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Speaker 1: Welcome. You are now listening to the Professional profession. Hey,

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Speaker 1: Professional home Girls is the kid of a name from

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Speaker 1: the PSD podcast, the only place where you would hear

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Speaker 1: interviews from black women an honestly on stories that will

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Speaker 1: enlighten and expand on taboo topics. Now, if you hear

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Speaker 1: someone that sounds familiar, mind the business that pays you child.

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Speaker 1: If you like the PhD podcast, please rate, review and

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Speaker 1: subscribe on Apple Podcasts. Please five star reviews only hold

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Speaker 1: me down, don't hold me up. Merchants now enveloped on

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Speaker 1: the site as well as my book list, so please

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Speaker 1: make sure you visit the link in the show notes below.

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Speaker 1: You can connect with the kid on Instagram at the

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Speaker 1: Professional home Girl and at the PhD podcast. If you

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Speaker 1: are on Twitter, please follow me at the PhD podcast now.

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Speaker 1: If you are all caught up with episode, listen to

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Speaker 1: the bonus episodes by supporting the PSD podcast Patreon account.

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Speaker 1: To support, please visit www dot patreon dot com. Forward

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Speaker 1: slash the PSG podcast now. Please keep in mind that

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Speaker 1: all of my guests are Nonna, So let's again this

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Speaker 1: week's episode. So I am super excited to be speaking

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Speaker 1: to my guest today as she will be sharing her

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Speaker 1: story on purchasing her home at twenty four. So to

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Speaker 1: my guests, how are you doing? I'm good sins how

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Speaker 1: you doing? You know, I'm a little tired. Can relate?

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Speaker 1: Can relate? Yeah, I mean, y'all. I would just she

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Speaker 1: was just telling me all things that she was doing.

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Speaker 1: I'm my god, damn, like the busiest twenty four you

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Speaker 1: all I've ever met. The crazy thing is, this is

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Speaker 1: how it's been my entire life. Like I'm always booked

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Speaker 1: and busy and something that has been on purpose. So

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Speaker 1: when I look at my calendar and I'm like, I

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Speaker 1: have free time, it's like the best thing ever. I'm

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Speaker 1: telling you, like, you're gonna be a millionaire real soon

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Speaker 1: because the way you're moving. Listen, listen speak it. We're

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Speaker 1: speaking it yea. So we actually met volunteering and a

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Speaker 1: podcast festival and we were like a matchmate in heaven.

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Speaker 1: And I thought that it would be amazing to have

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Speaker 1: her on the show because I think it's amazing that

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Speaker 1: you were twenty four years old and you purchase your home.

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Speaker 1: So thank you so much for coming on the show. Yeah,

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Speaker 1: thanks so much for having me, of course, So why

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Speaker 1: do you think some parents fail to teach their children

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Speaker 1: about money. Getting right on in there, all right, Well,

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Speaker 1: I think for a lot of families, especially once coming

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Speaker 1: from black household, Um, it's just it's they weren't taught themselves,

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Speaker 1: so they can only pass down what they know, which

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Speaker 1: I think it is like your own personal responsibility to

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Speaker 1: like there's so many resources out there now, like there's

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Speaker 1: almost no excuse to not be able to like go

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Speaker 1: learn it for yourself. Like my dad's favorite line to

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Speaker 1: use when I asked him any type of question, no

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Speaker 1: matter how simple it is. Like I could be like, hey, Dad,

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Speaker 1: what time is the game this weekend? And he'd be like,

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Speaker 1: google it. Yeah, that's me. Like my best friend here

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Speaker 1: asked where he asked me questions all day. I'm like,

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Speaker 1: did you google it? Literally? Yeah? Google has taught me

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Speaker 1: so much. So yeah, I'm right with your dad. Mmm

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Speaker 1: so yeah. So I think that's definitely one two things,

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Speaker 1: like you know, you can't really teach somebody but you

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Speaker 1: don't know, and you know, we can get all deep

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Speaker 1: into the systematic racism of it all, but I think

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Speaker 1: that's really it. It's just if it's not passed down

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Speaker 1: to you, how are you gonna know, right, But I

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Speaker 1: also feel like you made a good point where it

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Speaker 1: comes to a lot take an accountability for your future,

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Speaker 1: like if you don't know, research google acts, find out,

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Speaker 1: like take some type of initiative and be proactive, right,

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Speaker 1: because you're only hurting yourself at the end of the

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Speaker 1: day if you don't exactly, because we're not in the fifties,

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Speaker 1: are the sixties no? More? Like technology is so advanced.

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Speaker 1: So I hate people like, well, I don't know what

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Speaker 1: you mean, you don't know, right, or even things like TikTok.

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Speaker 1: I'm quick to do a TikTok search on yeah, yeah, thanks.

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Speaker 1: So growing up, what did you notice about your parents

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Speaker 1: relationship with money? Let's start with your mother. Okay, my

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Speaker 1: mom's relationship with money, Well, my mom was a single

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Speaker 1: mom raising gosh, I always have to count one, two, three,

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Speaker 1: three kids by herself, and so you know, she was

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Speaker 1: always managing her money in a way of like, okay,

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Speaker 1: what do we need versus once always made sure we

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Speaker 1: had the needs first. And of course it's the thing

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Speaker 1: of a parent. You never want to tell your child no,

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Speaker 1: or you want to be able to give them the

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Speaker 1: best of the best. So I did see my mom,

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Speaker 1: you know, experienced some hardships with dad. And you know

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Speaker 1: what are they called payday loans? And when I was younger,

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Speaker 1: like when we go to this, like when we go

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Speaker 1: to those places, I didn't know where we were. And

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Speaker 1: then I got older and I saw them, I'm like, oh,

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Speaker 1: like that's what that was, And just like hearing stories

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Speaker 1: about it as I got older. So I think it

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Speaker 1: was because you know, she didn't grow up with a lot,

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Speaker 1: so she was trying just to do the best that

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Speaker 1: she could. But almost in a way that hurt herself

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Speaker 1: in a sense because then she went into debt and

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Speaker 1: then you know, it's just trying to climb out of

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Speaker 1: debt already being in a tough situation. It's just not ideal, um,

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Speaker 1: which later in lird, Yeah it's hard, but it's right,

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Speaker 1: it's all. It's just all hard um. And later in life,

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Speaker 1: you know, she told, she told me, she said, don't

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Speaker 1: do that, just don't do it. Just do what you

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Speaker 1: can with what you have, and the rest will come

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Speaker 1: as it needs to. M about her dad, my dad,

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Speaker 1: he's my finance guy. He is very ry. Um. People

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Speaker 1: call him frugal man, just because he is very particular

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Speaker 1: about the ways in which he spends his money. Like

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Speaker 1: he's the one who taught me how to make a

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Speaker 1: budget and how to invest in the stock market and

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Speaker 1: all of those types of things. So he's really good

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Speaker 1: about money. He's really the one who showed me like

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Speaker 1: even not paying retail for things just because I didn't

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Speaker 1: even you know. I was like, whatever, it's just what

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Speaker 1: it is. And he's like, no, look at how much

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Speaker 1: you could be saving if you really looked at this

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Speaker 1: or coupon or all those types of things. So he

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Speaker 1: was more of the stickler on money. M So, what

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Speaker 1: was your living situation, Like, did you grow up in

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Speaker 1: the house? And I was thinking about asking this question,

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Speaker 1: but I feel like this question is important for our

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Speaker 1: conversation because a lot of people don't grow up in houses. Yeah. No,

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Speaker 1: I didn't grow up in a house. Well, I like,

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Speaker 1: I grew up in an apartment with my mom for

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Speaker 1: the majority of my life. But my and my dad

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Speaker 1: had an apart me too, but once he remarried, they

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Speaker 1: lived in the house. Um, so I kind of and

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Speaker 1: then my mom eventually moved to a house, so I

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Speaker 1: kind of did like the split thing, like I know,

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Speaker 1: the apartment life and I know, like growing up in

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Speaker 1: a home. But I don't know, like I think what

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Speaker 1: you're getting at like the cookie cutter lifestyle where all

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Speaker 1: you remember is growing up in your child home And yeah,

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Speaker 1: no that's not my experience out What could you tell

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Speaker 1: a difference from from like living in the I mean

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Speaker 1: obviously from living in an apartment and living in the house.

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Speaker 1: Oh yeah, like even space, just having the amount of

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Speaker 1: space that you can have in a house and not

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Speaker 1: having to be all up under people. Like when we

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Speaker 1: were in our last apartment before we moved in the

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Speaker 1: house and I lived with my mom. Uh, I had

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Speaker 1: my own room, like she made she kind of scold me.

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Speaker 1: She I had my own room and my sister slept

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Speaker 1: in her room and they had beds in there. And

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Speaker 1: we were in a two bedroom to bath house and

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Speaker 1: I had my own room in the apartment and bathroom

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Speaker 1: right off of my rooms. Are you the oldest? I

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Speaker 1: am the oldest, so that that's also kind of why

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Speaker 1: because I was the oldest and there was, you know,

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Speaker 1: an age difference between me and my siblings, So just

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Speaker 1: to kind of give myself that space that I needed. Um,

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Speaker 1: But I will say I like home life obviously, a

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Speaker 1: lot better than apartment life, especially when you're dealing with

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Speaker 1: the family. Now, if you're just buy yourself an apartment's fine,

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Speaker 1: I think. Right. So, have you always been financially stable,

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Speaker 1: because I feel like you are a very responsible twenty

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Speaker 1: four you all. No, I mean I feel like I

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Speaker 1: was your typical like when I got to college, you know,

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Speaker 1: taking money out of your savings to put into the

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Speaker 1: you know that that Kevin Hart thing where he was like, well,

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Speaker 1: you know, I gotta take money out of my savings

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Speaker 1: because the way my bank account is set up, checking

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Speaker 1: in my savings, that would be like every now and

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Speaker 1: then like, okay, let me, I don't I shouldn't be

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Speaker 1: doing this, but I'll just put ten dollars, take ten

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Speaker 1: dollars out, and I'll put it right back to yeah. Yeah.

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Speaker 1: But now I'm like, I don't even touch my savings

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Speaker 1: if I don't have to, like unless it's a true emergency,

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Speaker 1: right just But that's also I feel like that's privilege,

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Speaker 1: like being able to do that because some people have

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Speaker 1: no choice. And that's also what the savings is for.

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Speaker 1: I feel like a lot of people look at the

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Speaker 1: savings as you put that money in there and you

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Speaker 1: never touch its kind of but like if you need it,

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Speaker 1: use it, right, have you or your mom never talked

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Speaker 1: about because I feel like like the only person who

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Speaker 1: really talked to me about finances was like my grandmother,

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Speaker 1: So I had to learn the hard way. I'm now, Yeah,

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Speaker 1: I'm just now like like I'm in a really great space.

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Speaker 1: I'm so thankful, but it's a lot of hard work.

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Speaker 1: Especially after my grandmother passed away, I went through like

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Speaker 1: a serious depression. So my credit went down to the

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Speaker 1: four hundred. That's how Like, yeah, yeah, it was really bad.

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Speaker 1: So like, did your mom ever had a conversation with you?

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Speaker 1: Was like her looking back, like I know she told you,

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Speaker 1: like don't do this, but like did she ever like

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Speaker 1: go in debt like they anybody have a conversation and her, No,

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Speaker 1: she never really talked to me about it, And I

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Speaker 1: think it was kind of that thing of wanting to

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Speaker 1: shield your child from that type of thing, you know.

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Speaker 1: But I mean I knew what was going on obviously

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Speaker 1: once I got older, but you know, we never really

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Speaker 1: talked about it or sat down and talked about it

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Speaker 1: or anything. But like I said, my dad was really

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Speaker 1: the one who talked to like straight up nobleshit right,

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Speaker 1: so that you always want to purchase the house and

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Speaker 1: what made you want to do it? So, I know,

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Speaker 1: I keep talking about my dad, but when he was

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Speaker 1: the one who influenced me to buy a house or

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Speaker 1: looking to buying a house. Which it's really funny because

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Speaker 1: when I first got my job, I was like, Okay,

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Speaker 1: I'm going to get an apartment and out and he

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Speaker 1: was like an apartment, No, You're gonna buy a house,

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Speaker 1: And I was like, why would I buy a house?

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Speaker 1: You know, you just listed off all the benefits of

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Speaker 1: buying a house. You know, you own it. You're not

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Speaker 1: just putting because you know, a lot of people look

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Speaker 1: at it as if you get an apartment, it you're

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Speaker 1: just kind of throwing money away because none of it's

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Speaker 1: yours at the end of the day. Um, which is true.

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Speaker 1: But I think there's also a thing whether you live

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Speaker 1: in an apartment or a house, of what lifestyle are

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Speaker 1: you trying to live? So like, now that I have

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Speaker 1: my house, I do see the benefits of being able

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Speaker 1: to live in an apartment of like not hav any

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Speaker 1: take care of your maintenance or you know, lawn care,

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Speaker 1: like these things that I just didn't even think about

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Speaker 1: at first, which I thought about once I was in

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Speaker 1: the home buying process obviously, but before that, I was like,

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Speaker 1: oh yeah, I didn't even think about all these things,

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Speaker 1: like you know, your heater goes out, that's all you.

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Speaker 1: There's nobody that's going to come from maintenance to fix

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Speaker 1: that for you. So yeah, my dad was the one

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Speaker 1: who definitely swayed my opinion on buying a house, and

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Speaker 1: then I was and then the pandemic happened and I

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Speaker 1: was living at home and I said, well, mineus, well

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Speaker 1: save up for one thing. I have the funds to

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Speaker 1: do it, and who knows about ever be in this

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Speaker 1: place financially ever again, right, you also make another good

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Speaker 1: point because I feel like there's such um, there's a

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Speaker 1: negative connotation when it comes to like written yeah, yeah,

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Speaker 1: compared to like buying a house, and it's like everybody

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Speaker 1: doesn't have the same desires as buying a house, Like

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Speaker 1: that's not at the top of everybody list, especially when

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Speaker 1: it's just you by yourself. Right, No, exactly, Like I

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Speaker 1: look back on it and I said, you know, again,

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Speaker 1: I have no regret to bying my house. But parton

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Speaker 1: there was always that part of me. That was like, man,

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Speaker 1: I wish I kind of would have waited until I

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Speaker 1: had a partner because also splitting bills. Man, I look

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Speaker 1: at my mortgage and I'm like, of course I can

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Speaker 1: afford it, but I'm like, if I had somebody to

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Speaker 1: split this with your money and having my pocket, yeah,

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Speaker 1: having a home this ghetto, Like it is ghetto and

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Speaker 1: nobody wants to talk about that. But it is like

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Speaker 1: I screaming from the rooftops all the time. All my

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Speaker 1: friends are like, girl, really, and I'm like, yes, ghetto,

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Speaker 1: no it is. And I felt like a lot of

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Speaker 1: people are not being honest about it. Like homeownership, don't

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Speaker 1: get me wrong, Like that's my next goal. Like I

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Speaker 1: want to own something because it's a beautiful thing exactly,

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Speaker 1: but it's a big responsibility, huge yeah. Like and and again,

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Speaker 1: if I didn't have my dad living up the street,

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Speaker 1: like my dad is my lawn man, the one who

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Speaker 1: comes and cuts my grass or if I have a problem,

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Speaker 1: he's the first person I call. And if he can't

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Speaker 1: fix it, then I have to hire somebody to fix it.

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Speaker 1: Um that's money, yeah, yeah, that's support. And I think

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Speaker 1: that's another thing, like if you don't have the support

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Speaker 1: buying a house, like obviously you can still do it,

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Speaker 1: but just know like it's gonna be a lot. Yeah yeah,

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Speaker 1: but it gets ducks in the road house. That's what

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Speaker 1: if you're going and do not go into buying a

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Speaker 1: house like quickly or not, Like if you don't feel

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Speaker 1: fully prepared to do so, don't do it. You don't know. Funny,

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Speaker 1: this girl I have to be cool with because like

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Speaker 1: I was like, this is probably like a year or

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Speaker 1: two ago. Probably were just in the height of the pandemic,

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Speaker 1: and like my cradive score was good. I was deck

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Speaker 1: in my corner. I wasn't a good space, and I

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Speaker 1: was preparing for the next chapter in my life. And

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Speaker 1: she was just going so hard for me to get

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Speaker 1: a house. And I'm said, you got your credit is

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Speaker 1: above six fifty, you got moneyset, you can get a

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Speaker 1: house this net. And I'm just like, and I kept

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Speaker 1: going back and focus. I'm like, I don't know if

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Speaker 1: I want to get a house or not, because I

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Speaker 1: don't know what my wife is gonna take me, Like

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Speaker 1: I don't know if I want to have a bigger responsibility.

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Speaker 1: And then I thought, but I'm like, how care you

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Speaker 1: telling me get the house and you're a damn apartment

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Speaker 1: making no sense. I'm I'm given the benefit the doubt.

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Speaker 1: Maybe she was just trying to look out for you

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Speaker 1: because in her mind like having a house, like you're

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Speaker 1: doing good things. So she's like, you know what, I

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Speaker 1: want my friend to have a house, and you're in

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Speaker 1: that position to do it, so I want to see

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Speaker 1: you do it and succeed. So I'm ben give it

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Speaker 1: the bet of it of the doubt on that one girl.

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Speaker 1: I just thought about that damn story, like maybe she

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Speaker 1: wanted at the position of the house. Yeah, but you

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Speaker 1: know what I always tell people, you just got a

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Speaker 1: mind where the information is coming from. That's true. There's

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Speaker 1: nothing wrong with the messages, and sometimes it's just the messenger. Yeah,

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Speaker 1: it's definitely can be the messenger because I remember I

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Speaker 1: thought my dad tooth and nail on the whole house

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Speaker 1: and apartment debate, and he stood his ground hard. He

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Speaker 1: was like, if I were in your position when I

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Speaker 1: was your age, I would have never bought an apartment.

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Speaker 1: I would have immediately gotten to a house. If I

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Speaker 1: would have had the support system like have you had.

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Speaker 1: If my grandma was still alive, I would have thought it,

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Speaker 1: I would have definitely probably got a house or something

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Speaker 1: because even if things what it went the way it's

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Speaker 1: going now, I probably would have just rented out. Right, Yeah,

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Speaker 1: because it's yours. You can do what you want with it.

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Speaker 1: At the end of the day, you get it or

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Speaker 1: run it out like you said. So, there's just so

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Speaker 1: many options once you have the house, right, So tell

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Speaker 1: us about the process, because we all know you are

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Speaker 1: first time home byre Yes, Yes, it scetto it was

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Speaker 1: log and well, it wasn't that long. Honestly, I think

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Speaker 1: the planning phase was long, but the process of like

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Speaker 1: once I started looking to when I got my house,

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Speaker 1: it really wasn't that long. It was a couple of

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Speaker 1: months probably, So I had started, like I so, I

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Speaker 1: set a goal for myself. I said, Okay, I want

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Speaker 1: this amount of money to be in my savings, and

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Speaker 1: this amount is going towards my down payment. This is

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Speaker 1: a the amount that's going towards, you know, furnishing the house,

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Speaker 1: because that's another thing that people don't think about it

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Speaker 1: how to buy furniture. M And I've seen all these

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Speaker 1: all these six ticks of people in houses and apartments

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Speaker 1: being like when you save enough for the down payment,

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Speaker 1: but don't save enough furniture, and it's just open spaces.

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Speaker 1: And then what they laptop and they dogged or whatever,

325
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Speaker 1: and I'm just like that, it's hilarious, but it's true.

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Speaker 1: So I had a whole budget just for furniture and

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Speaker 1: you know, like little things. And so I set that goal,

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Speaker 1: and you know, I set aside that money every month

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Speaker 1: that I didn't touch it, didn't look at it. And

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Speaker 1: once they got closer to you know, being like, all right,

331
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Speaker 1: we're getting there, let's start looking at real estate agents.

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Speaker 1: What area of the city do you want to live in?

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Speaker 1: So I live in the suburbs kind of um, like

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Speaker 1: fifteen minutes outside of the city, and that was really

335
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Speaker 1: important to me because everything I do is downtown. So

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Speaker 1: I was like, I don't want to have to drive

337
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Speaker 1: thirty minutes to do something. Um And plus, the property

338
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Speaker 1: taxes out in the suburbs is way lower than if

339
00:17:34,720 --> 00:17:36,560
Speaker 1: you're in the city, so that's another thing you gotta

340
00:17:36,560 --> 00:17:39,080
Speaker 1: think about. But it is nice that you get a

341
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Speaker 1: tax credit if you own a house. I did not

342
00:17:41,200 --> 00:17:43,480
Speaker 1: know that until last taxes and I said, oh, this

343
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Speaker 1: is Bob, you know you really are I feel like

344
00:17:47,840 --> 00:17:55,240
Speaker 1: you're growner than me. No, let's start calling I'm about

345
00:17:55,240 --> 00:18:00,399
Speaker 1: to start calling you, big sist. Got us switch your positions,

346
00:18:00,400 --> 00:18:03,200
Speaker 1: something like damn, my bitch is really out here. Ex

347
00:18:03,320 --> 00:18:10,760
Speaker 1: Credit credit. Really things are things that when you get

348
00:18:10,760 --> 00:18:15,240
Speaker 1: a house, you're like, oh shit, um so yeah, I'm

349
00:18:15,240 --> 00:18:17,439
Speaker 1: just doing all of that. Really, I did a lot

350
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Speaker 1: of research, like even looking into things of like home maintenance.

351
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Speaker 1: How often should you have your air conditioner looked at,

352
00:18:25,000 --> 00:18:28,080
Speaker 1: because you know it would suck to be out of

353
00:18:28,119 --> 00:18:32,120
Speaker 1: it when it's the summertime to making sure you keep

354
00:18:32,119 --> 00:18:35,159
Speaker 1: it up. How much does that cause? What's nearby do

355
00:18:35,240 --> 00:18:39,400
Speaker 1: you have that do those types of services? And having cable,

356
00:18:39,520 --> 00:18:43,800
Speaker 1: like I still have cable, yeah, which I think is

357
00:18:43,840 --> 00:18:46,159
Speaker 1: more of a thing because I didn't have cable when

358
00:18:46,200 --> 00:18:48,600
Speaker 1: I was younger, because I've been looking at my cable

359
00:18:48,640 --> 00:18:50,480
Speaker 1: bill and I'm like, you know, that's a little hot,

360
00:18:51,160 --> 00:18:53,200
Speaker 1: So I see I don't have cable. I just got

361
00:18:53,240 --> 00:18:57,440
Speaker 1: my my new smart TVs and I love smart TVs.

362
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Speaker 1: Oh my god, I have a smart TV. And the

363
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Speaker 1: thing is that bear Like the only real reason that

364
00:19:04,040 --> 00:19:06,360
Speaker 1: I love having my cables because I can record things,

365
00:19:06,400 --> 00:19:11,480
Speaker 1: which you can do on some girl down cable bill. Listen, listen, listen.

366
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Speaker 1: They don't have Lifetime and I gotta watch my married

367
00:19:14,960 --> 00:19:19,280
Speaker 1: at first sight. They got Lifetime on the app, but

368
00:19:19,320 --> 00:19:21,240
Speaker 1: you don't. You have to have a cable provider to

369
00:19:21,280 --> 00:19:26,200
Speaker 1: log into it. No, I don't think. So I'm a

370
00:19:26,240 --> 00:19:31,679
Speaker 1: look at it. I'm a look at Lifetime. I know

371
00:19:31,760 --> 00:19:35,199
Speaker 1: it's so stupid, and it's I think. I think it

372
00:19:35,280 --> 00:19:37,320
Speaker 1: is that thing that you know when you're younger, you

373
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Speaker 1: couldn't have something, and now you have the money to

374
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Speaker 1: have it, but then you realize and you're like, wait,

375
00:19:42,000 --> 00:19:44,240
Speaker 1: but now I realized why we didn't have this because

376
00:19:44,280 --> 00:19:48,720
Speaker 1: it's not in a semptony exactly. It's a one. It's

377
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Speaker 1: a one. It's definitely a one. And in these times,

378
00:19:52,119 --> 00:19:57,600
Speaker 1: the ones we gotta we gotta cut some of them loose, right. Um.

379
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Speaker 1: But yeah, like I said, just a lot of research

380
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Speaker 1: and then I um the perfect real estate agent. That

381
00:20:03,080 --> 00:20:05,080
Speaker 1: was something really important to me because I was like,

382
00:20:05,359 --> 00:20:07,520
Speaker 1: I don't know what I'm doing, Like my my dad

383
00:20:07,600 --> 00:20:10,240
Speaker 1: knew what he was doing, but I was like, this

384
00:20:10,320 --> 00:20:12,359
Speaker 1: is mine, though, I want to know what's going on.

385
00:20:12,440 --> 00:20:15,840
Speaker 1: What were you looking for in a person? Definitely I

386
00:20:15,920 --> 00:20:19,240
Speaker 1: wanted somebody who's black, because I just think it's just

387
00:20:19,280 --> 00:20:21,480
Speaker 1: more relatable when you have somebody who looks like you

388
00:20:21,560 --> 00:20:25,359
Speaker 1: helping you with something like this, who understands the struggle

389
00:20:25,640 --> 00:20:28,360
Speaker 1: and you know what this means to be a young

390
00:20:28,440 --> 00:20:34,080
Speaker 1: black homeowner. Um, and somebody who was experienced and knew

391
00:20:34,119 --> 00:20:35,399
Speaker 1: what they were talking about, and some of that I

392
00:20:35,480 --> 00:20:37,280
Speaker 1: could relate to, and just you know, if I had

393
00:20:37,320 --> 00:20:38,800
Speaker 1: any type of question, I didn't feel like it was

394
00:20:38,800 --> 00:20:42,320
Speaker 1: a dumb question. M So I found my real estate agent.

395
00:20:42,359 --> 00:20:47,480
Speaker 1: She was a black woman, and she was great. She

396
00:20:47,680 --> 00:20:50,240
Speaker 1: walked me through the whole process, showing me all my listings.

397
00:20:50,520 --> 00:20:52,280
Speaker 1: And when I was looking for a house, this was

398
00:20:52,320 --> 00:20:55,560
Speaker 1: in the time where it was a heavy buyer's market,

399
00:20:56,440 --> 00:20:59,800
Speaker 1: so um, you know, I was just it was fast.

400
00:21:00,080 --> 00:21:01,919
Speaker 1: Everything that we did was fast. It was like we

401
00:21:01,960 --> 00:21:04,199
Speaker 1: looked at a listing one day and I was putting up.

402
00:21:04,280 --> 00:21:05,880
Speaker 1: Had to decide if I wanted to put an offer

403
00:21:05,920 --> 00:21:07,960
Speaker 1: on it the next day. And then if I did

404
00:21:08,040 --> 00:21:09,479
Speaker 1: want to put an offer on it, did I want

405
00:21:09,520 --> 00:21:12,639
Speaker 1: to go over asking price? Because back then there was

406
00:21:12,680 --> 00:21:15,159
Speaker 1: no thing is offering asking Bruce, you had to go

407
00:21:15,240 --> 00:21:18,400
Speaker 1: over asking price. So then that's another thing of finances

408
00:21:18,400 --> 00:21:20,160
Speaker 1: where I had to be like, Okay, but I can't

409
00:21:20,200 --> 00:21:23,480
Speaker 1: go over too much of this because I have my

410
00:21:23,560 --> 00:21:25,800
Speaker 1: own budget of you know what I am able to

411
00:21:25,920 --> 00:21:28,040
Speaker 1: afford to spend on this house, and you know, if

412
00:21:28,080 --> 00:21:29,959
Speaker 1: I can't meet that, then this is just not the

413
00:21:29,960 --> 00:21:34,199
Speaker 1: house for me. That's another thing that I think a

414
00:21:34,200 --> 00:21:36,280
Speaker 1: lot of people, you know, my you know, you watch

415
00:21:36,280 --> 00:21:38,679
Speaker 1: house hunters and stuff like that on HGTV, and you

416
00:21:38,680 --> 00:21:42,520
Speaker 1: see these people getting these places that are above their budgets,

417
00:21:42,520 --> 00:21:45,800
Speaker 1: and it's just like, but is that gonna be okay

418
00:21:45,800 --> 00:21:48,920
Speaker 1: in the long run, Like, because I always think about

419
00:21:48,960 --> 00:21:52,400
Speaker 1: what happens if I lose my job tomorrow. Yeah, can

420
00:21:52,440 --> 00:21:55,760
Speaker 1: I still afford to live where I live? Because ain't

421
00:21:55,760 --> 00:22:00,200
Speaker 1: nobody's trying to be poor and house rich right exactly act.

422
00:22:00,240 --> 00:22:02,240
Speaker 1: And I think that's a big problem with that needs

423
00:22:02,320 --> 00:22:05,200
Speaker 1: to be addressed more So, that was a lot of

424
00:22:05,240 --> 00:22:08,200
Speaker 1: the search for me. So I started looking, like actively

425
00:22:08,280 --> 00:22:14,359
Speaker 1: looking in May and finally found my house and I

426
00:22:14,440 --> 00:22:19,600
Speaker 1: believe June and closed in July. Did you notice the

427
00:22:19,600 --> 00:22:21,119
Speaker 1: house that you wanted? Like, he was like, this is

428
00:22:21,160 --> 00:22:23,879
Speaker 1: my home. When I walked in, I was I just

429
00:22:23,920 --> 00:22:26,040
Speaker 1: had this feeling. I was like, I think this is it?

430
00:22:26,400 --> 00:22:29,280
Speaker 1: Like it was just checking off all of my boxes.

431
00:22:29,400 --> 00:22:32,080
Speaker 1: You know, I had looked at homes before, and some

432
00:22:32,200 --> 00:22:34,800
Speaker 1: of them child I was like, y'all want to pay

433
00:22:34,880 --> 00:22:42,760
Speaker 1: how much it is? What are y'all smoking? That's amazing,

434
00:22:42,840 --> 00:22:46,760
Speaker 1: that's amazing. Once you made the offer, I talk about

435
00:22:46,760 --> 00:22:49,240
Speaker 1: that price. Oh yeah, oh my gosh, making the offer

436
00:22:49,280 --> 00:22:52,040
Speaker 1: because there was this one house that oh my gosh.

437
00:22:52,080 --> 00:22:54,240
Speaker 1: I still think about it today, but I'm still like, no,

438
00:22:54,320 --> 00:22:57,040
Speaker 1: I'm glad I went with my house. Um. It was

439
00:22:57,240 --> 00:23:00,479
Speaker 1: part like when I tell you the pictures and on

440
00:23:00,520 --> 00:23:03,639
Speaker 1: the inside it was beautiful. I was like, this is it.

441
00:23:03,880 --> 00:23:07,240
Speaker 1: This is luxury right here. Oh, send me to picture

442
00:23:07,920 --> 00:23:09,400
Speaker 1: and girl, if I can find I was gonna say,

443
00:23:09,400 --> 00:23:12,199
Speaker 1: if I can find them, I'll send them. Um. And

444
00:23:12,280 --> 00:23:14,720
Speaker 1: I remember we were on a beach vacation when I

445
00:23:14,720 --> 00:23:16,520
Speaker 1: put in the offer, or I had to decide to

446
00:23:16,520 --> 00:23:17,959
Speaker 1: put an offer on the house, and this was one

447
00:23:17,960 --> 00:23:19,800
Speaker 1: where I had to go over the asking and just

448
00:23:19,840 --> 00:23:22,639
Speaker 1: get a little too close for comfort on where I

449
00:23:22,640 --> 00:23:25,960
Speaker 1: wanted my budget to be. Um. And so I put

450
00:23:26,000 --> 00:23:28,960
Speaker 1: in the offer and I think I was the middle

451
00:23:29,040 --> 00:23:31,800
Speaker 1: offer that would have been accepted. So there was somebody

452
00:23:31,920 --> 00:23:34,560
Speaker 1: who outbid me and somebody who was right below me.

453
00:23:35,240 --> 00:23:37,920
Speaker 1: Um So I ended up not getting that house, and

454
00:23:38,080 --> 00:23:40,600
Speaker 1: I was pretty upset about. I was like, dang. And

455
00:23:40,640 --> 00:23:42,280
Speaker 1: I had been looking for a few like a few

456
00:23:42,280 --> 00:23:45,280
Speaker 1: weeks at that point, and it's a very tedious process,

457
00:23:46,640 --> 00:23:48,480
Speaker 1: especially like when you're looking at houses and you're like,

458
00:23:48,480 --> 00:23:50,080
Speaker 1: all right, no, this is not for me, and then

459
00:23:50,160 --> 00:23:52,439
Speaker 1: you find one where you're like, oh my gosh, I

460
00:23:52,480 --> 00:23:57,000
Speaker 1: want this so bad. So I think that was the

461
00:23:57,040 --> 00:23:59,480
Speaker 1: second house I had put an offer on and didn't

462
00:23:59,480 --> 00:24:02,919
Speaker 1: get it. Um In every single time, it was just

463
00:24:03,000 --> 00:24:07,280
Speaker 1: I was this close, just off by a hair of

464
00:24:07,880 --> 00:24:10,679
Speaker 1: reaching whatever the highest bitter words or you know. There

465
00:24:10,760 --> 00:24:15,440
Speaker 1: was people putting in cash offers for these houses, all cash.

466
00:24:15,600 --> 00:24:19,800
Speaker 1: I said, what banker, are y'all robbing? It's kind of

467
00:24:19,800 --> 00:24:24,720
Speaker 1: funny in cash. So anyho. But once I finally put

468
00:24:24,720 --> 00:24:26,639
Speaker 1: an offer on my house, and I think it was

469
00:24:26,680 --> 00:24:29,639
Speaker 1: like a couple of days later because with this this house,

470
00:24:29,880 --> 00:24:33,320
Speaker 1: it was all divine, I believe, because I was going

471
00:24:33,359 --> 00:24:35,000
Speaker 1: in the day I found it was I was going

472
00:24:35,040 --> 00:24:38,000
Speaker 1: to look at another house and I had was like,

473
00:24:38,040 --> 00:24:39,479
Speaker 1: all right, let me just look at the app just

474
00:24:39,520 --> 00:24:41,800
Speaker 1: one more time, so there's anything else that catches my

475
00:24:41,840 --> 00:24:44,800
Speaker 1: e and this one did. The pictures did not do

476
00:24:44,840 --> 00:24:46,639
Speaker 1: it justice at all. But I was like, okay, but

477
00:24:46,680 --> 00:24:48,480
Speaker 1: it has potential, so I could go look at it.

478
00:24:48,520 --> 00:24:51,800
Speaker 1: We're already going to look at houses. And in the

479
00:24:51,840 --> 00:24:54,679
Speaker 1: description it was like, you know, they wanted a fast turnaround,

480
00:24:54,720 --> 00:24:59,719
Speaker 1: like thirty day closing, like in twenty four hours, like

481
00:25:00,280 --> 00:25:03,600
Speaker 1: it was all really fast. So we came and I

482
00:25:03,640 --> 00:25:05,520
Speaker 1: was like, oh my gosh, this is it, this is

483
00:25:05,560 --> 00:25:10,320
Speaker 1: what I want. Immediately put my offer in and uh.

484
00:25:10,560 --> 00:25:12,840
Speaker 1: Then the next day I found out that I got it.

485
00:25:12,880 --> 00:25:14,479
Speaker 1: I got the phone call from my real intorn. I

486
00:25:14,520 --> 00:25:18,080
Speaker 1: was just so excited. It was the best feeling ever.

487
00:25:18,400 --> 00:25:20,399
Speaker 1: Oh my god, what was your friends and your family?

488
00:25:21,600 --> 00:25:23,679
Speaker 1: Oh my gosh, they were so pumped. My friends are

489
00:25:23,680 --> 00:25:26,639
Speaker 1: so funny though, because I have a third bedroom and

490
00:25:26,680 --> 00:25:28,840
Speaker 1: like I have my main bedroom in my office and

491
00:25:28,840 --> 00:25:31,000
Speaker 1: then I have a guest room. All of them claim

492
00:25:31,080 --> 00:25:37,600
Speaker 1: that that's their room, so you know, they love it.

493
00:25:38,240 --> 00:25:40,520
Speaker 1: My parents love it. I'm six minutes up the street

494
00:25:40,560 --> 00:25:43,200
Speaker 1: from my parents, so they love that. My dad is like,

495
00:25:43,520 --> 00:25:47,679
Speaker 1: oh yeah, it gives them great comfort that I'm right there.

496
00:25:47,280 --> 00:25:50,959
Speaker 1: Your mom lived in an area too, no, so my

497
00:25:51,000 --> 00:25:55,240
Speaker 1: mom lives in Texas. When I say my parents, I

498
00:25:55,280 --> 00:26:00,560
Speaker 1: mean my stepmom and my dad. Okay, nice, nice, nice, amazing.

499
00:26:00,560 --> 00:26:02,399
Speaker 1: I know people be like, yo, this is a boss

500
00:26:02,480 --> 00:26:07,560
Speaker 1: bitch like a Nika I come to you. Correct, But listen, listen.

501
00:26:07,720 --> 00:26:10,200
Speaker 1: I have been told I'm very intimidating, and I'm like,

502
00:26:10,720 --> 00:26:13,760
Speaker 1: I don't feel like I am. I'm just another is

503
00:26:13,840 --> 00:26:17,720
Speaker 1: just weak, That's what I said. I said, listen, and

504
00:26:17,800 --> 00:26:21,000
Speaker 1: you're scared to approach me. You're not the guy for me? Yeah,

505
00:26:21,200 --> 00:26:24,480
Speaker 1: because not every woman can't be intimidating, Like we got

506
00:26:24,480 --> 00:26:28,359
Speaker 1: to stop that, Like niggas are just weak. Yeah. And

507
00:26:28,400 --> 00:26:30,919
Speaker 1: then there are people be like, oh, well, you know

508
00:26:31,080 --> 00:26:33,320
Speaker 1: because usually I go out with my friends or whatever,

509
00:26:33,440 --> 00:26:36,320
Speaker 1: and they're like, y'all as a whole are intimidating because

510
00:26:36,320 --> 00:26:39,560
Speaker 1: we're just you know, strong independent women. I'm like, okay,

511
00:26:39,560 --> 00:26:44,720
Speaker 1: am boss up over by all of us a drink? Right?

512
00:26:45,000 --> 00:26:48,520
Speaker 1: But you don't look your age either though, Yeah, I

513
00:26:48,560 --> 00:26:50,919
Speaker 1: get that a lot too, Like you have a grown

514
00:26:51,080 --> 00:26:56,200
Speaker 1: woman demeanor like yeah about you, which is a good thing. Yeah,

515
00:26:56,240 --> 00:26:58,560
Speaker 1: And I mean I've been told that since I was younger,

516
00:26:58,680 --> 00:27:02,480
Speaker 1: like I've always act and growner than my age. But

517
00:27:02,760 --> 00:27:05,800
Speaker 1: that's just because of you know, how I was raised

518
00:27:05,800 --> 00:27:08,960
Speaker 1: and how I was growing up and had to grow

519
00:27:09,040 --> 00:27:12,800
Speaker 1: up quickly, um with everything that I was facing and

520
00:27:12,840 --> 00:27:16,199
Speaker 1: going through. So it definitely helped in the end. Like

521
00:27:16,240 --> 00:27:20,240
Speaker 1: I was a very responsible young child, Like even other

522
00:27:20,240 --> 00:27:22,560
Speaker 1: people's parents would tell my mom and be like, wow,

523
00:27:22,560 --> 00:27:25,480
Speaker 1: she's so responsible for her age. I wish my kid

524
00:27:25,520 --> 00:27:28,159
Speaker 1: would act like that. Do you try to put your

525
00:27:28,200 --> 00:27:32,560
Speaker 1: siblings on game? Like for sure? Yeah, oh for sure,

526
00:27:32,640 --> 00:27:34,760
Speaker 1: Like one of them. She's actually getting ready to go

527
00:27:34,800 --> 00:27:38,440
Speaker 1: to college next year. So I have been like her

528
00:27:38,560 --> 00:27:42,760
Speaker 1: master of trying to like make sure everything all the

529
00:27:42,840 --> 00:27:44,960
Speaker 1: ducks are in her roles. She's taking her act, she's

530
00:27:44,960 --> 00:27:48,639
Speaker 1: starting her applications, she's starting you know, the essays and

531
00:27:48,760 --> 00:27:51,439
Speaker 1: all of that. So I am very heavily involved in

532
00:27:51,480 --> 00:27:56,720
Speaker 1: that process with her. You're like mother goose, like mom hand, Yes,

533
00:27:57,320 --> 00:28:01,199
Speaker 1: I am the mom friend, like even down to like

534
00:28:01,200 --> 00:28:03,359
Speaker 1: when we go on trips, they're like, I forgot, this

535
00:28:03,440 --> 00:28:09,639
Speaker 1: is not my back, said her name, y'all her like

536
00:28:09,720 --> 00:28:13,240
Speaker 1: if she planned there, like it's gonna be a great time.

537
00:28:13,320 --> 00:28:15,439
Speaker 1: Like they don't have to worry about nothing because I

538
00:28:15,480 --> 00:28:19,720
Speaker 1: don't play right, Like I'm not I am type A,

539
00:28:19,880 --> 00:28:23,560
Speaker 1: and I have learned to just accept it. But I'm not.

540
00:28:23,680 --> 00:28:26,680
Speaker 1: I'm not Type A to where I'm like a stickler,

541
00:28:26,720 --> 00:28:27,960
Speaker 1: you know what I mean. Like I can still have

542
00:28:28,000 --> 00:28:30,800
Speaker 1: fun and go with the flow, but I gotta have

543
00:28:30,880 --> 00:28:34,359
Speaker 1: some type of structure. See, I know I am Type A,

544
00:28:34,840 --> 00:28:37,479
Speaker 1: and I feel like when it's all my time, I

545
00:28:37,520 --> 00:28:40,360
Speaker 1: am a strickler, like this is what we're doing, like

546
00:28:40,880 --> 00:28:45,240
Speaker 1: my time and my money. Oh man, like my friends no,

547
00:28:45,880 --> 00:28:47,920
Speaker 1: like if this is my birthday trip, because I don't

548
00:28:47,920 --> 00:28:50,280
Speaker 1: like playing stuff. But if I'm playing something and I

549
00:28:50,400 --> 00:28:52,760
Speaker 1: plan it is for me, I need your holes to

550
00:28:52,840 --> 00:28:56,440
Speaker 1: be ready, like be off like I want her into

551
00:28:56,960 --> 00:29:00,360
Speaker 1: I would get so mad. It's funny you said that

552
00:29:00,360 --> 00:29:02,600
Speaker 1: because I just had my twenty fifth birthday trip and

553
00:29:02,640 --> 00:29:05,320
Speaker 1: I had an itinerary, I had D days, I had

554
00:29:05,320 --> 00:29:09,120
Speaker 1: a payment plan. Yes, my tripers in April, and they

555
00:29:09,160 --> 00:29:11,600
Speaker 1: had the whole power point slide show that I made.

556
00:29:11,640 --> 00:29:14,800
Speaker 1: That's how I feel. That's how I feel. Like. I

557
00:29:14,840 --> 00:29:19,000
Speaker 1: don't play no games like so i'd be telling these

558
00:29:19,040 --> 00:29:23,520
Speaker 1: bitches like, ill better come on if we miss whatever

559
00:29:23,560 --> 00:29:25,560
Speaker 1: we got going on, I am not gonna be a

560
00:29:25,560 --> 00:29:29,520
Speaker 1: happy camper right right exactly, And it's nothing wrong with that.

561
00:29:29,960 --> 00:29:31,800
Speaker 1: So do your friends, like, do they come to you

562
00:29:31,880 --> 00:29:35,320
Speaker 1: for advice on like if they should, because I'm assuming

563
00:29:35,320 --> 00:29:37,760
Speaker 1: most of them rent, right, yeah, most of it. I

564
00:29:37,760 --> 00:29:39,720
Speaker 1: have a few friends who have houses, but most of

565
00:29:39,760 --> 00:29:42,880
Speaker 1: them rent until they come to your advice about buying

566
00:29:42,880 --> 00:29:45,800
Speaker 1: a house or like what they should do. Oh yeah,

567
00:29:46,280 --> 00:29:48,920
Speaker 1: well one of my friends actually, she she was in

568
00:29:48,920 --> 00:29:51,120
Speaker 1: the mindset, She's like, I'm gonna buy a house, dada.

569
00:29:51,240 --> 00:29:54,040
Speaker 1: But then she watched My journey and my struggles and

570
00:29:54,120 --> 00:29:58,760
Speaker 1: she was like, uh no, she was like that I

571
00:29:58,800 --> 00:30:01,480
Speaker 1: can't handle that. But I think that's real, like you

572
00:30:01,520 --> 00:30:06,280
Speaker 1: get real with yourself. Uh because if I were watched,

573
00:30:06,480 --> 00:30:09,000
Speaker 1: like if I watched me, I would have been like, yeah,

574
00:30:09,000 --> 00:30:11,360
Speaker 1: it's not for me, Like I'm a girl. I'm talking

575
00:30:11,400 --> 00:30:15,720
Speaker 1: down even to the roaches, like because I live, like

576
00:30:15,760 --> 00:30:17,320
Speaker 1: I told you, I live in the suburbs, and there's

577
00:30:17,360 --> 00:30:21,320
Speaker 1: a lot of trees out here, a lot of nature

578
00:30:21,520 --> 00:30:24,520
Speaker 1: that you have to deal with, and so it's like

579
00:30:24,560 --> 00:30:26,920
Speaker 1: no matter how clean you are, And I hate that stereotype.

580
00:30:26,960 --> 00:30:30,320
Speaker 1: It's like, oh, if you've got roaches, you dirty, they

581
00:30:30,320 --> 00:30:32,120
Speaker 1: come where they want to come. Like I even have

582
00:30:32,200 --> 00:30:35,280
Speaker 1: I look at like spiders and what all this stuff

583
00:30:35,720 --> 00:30:38,640
Speaker 1: and having to kill it yourself and having nobody to

584
00:30:38,680 --> 00:30:41,760
Speaker 1: get it for you. When I tell you, I don't

585
00:30:41,800 --> 00:30:47,200
Speaker 1: like killing no bug, but I appreciate you being honest

586
00:30:47,240 --> 00:30:50,600
Speaker 1: because I feel like, like my apartment is beautiful. I

587
00:30:50,680 --> 00:30:53,480
Speaker 1: love my apartment. But every now and then I see

588
00:30:53,560 --> 00:30:56,280
Speaker 1: like a centipede or I see some type of bug,

589
00:30:56,720 --> 00:30:58,760
Speaker 1: and they just write all they want to. But it's

590
00:30:58,800 --> 00:31:01,200
Speaker 1: just like a I was gonna find his way, So

591
00:31:01,200 --> 00:31:03,960
Speaker 1: where you gotta go? Right Like I have past control,

592
00:31:04,120 --> 00:31:06,480
Speaker 1: so thankfully most of the time if I see a bug,

593
00:31:06,600 --> 00:31:09,960
Speaker 1: it's either dead or dying. But there are those times

594
00:31:09,960 --> 00:31:12,600
Speaker 1: where they get smarter than the past control, and you

595
00:31:12,640 --> 00:31:16,960
Speaker 1: know they avoid it and they still get inside well

596
00:31:17,040 --> 00:31:18,680
Speaker 1: and then you know what, like you said, being and

597
00:31:18,760 --> 00:31:21,320
Speaker 1: you're in your nature, I can't only imagine what we're

598
00:31:21,320 --> 00:31:24,080
Speaker 1: trying to come in your house. Listen. I don't listen

599
00:31:24,480 --> 00:31:27,680
Speaker 1: too much. I hadn't learned too many bug names, but

600
00:31:28,440 --> 00:31:31,120
Speaker 1: I did not know before, and I was like, this

601
00:31:31,200 --> 00:31:35,080
Speaker 1: is a what Oh my god, I know you need

602
00:31:35,080 --> 00:31:38,160
Speaker 1: about to lose your ship. But like I said, now

603
00:31:38,200 --> 00:31:41,480
Speaker 1: that I've got a good past control going, I really

604
00:31:41,480 --> 00:31:44,080
Speaker 1: don't see them that often, and and now that I've

605
00:31:44,080 --> 00:31:46,600
Speaker 1: got used to the fact that I might see them,

606
00:31:46,680 --> 00:31:48,840
Speaker 1: it doesn't scare me as much. So like when I

607
00:31:48,840 --> 00:31:51,240
Speaker 1: see something crawling on the corner of my eye, I

608
00:31:51,320 --> 00:31:54,480
Speaker 1: just quickly run and grab the raid spread till it

609
00:31:54,640 --> 00:31:57,720
Speaker 1: stops moving and move on. You know, don't you hate

610
00:31:57,760 --> 00:31:59,800
Speaker 1: when you see something at the corner of your eye?

611
00:31:59,880 --> 00:32:04,120
Speaker 1: I notice that, no fucking books, I'm like, You've got

612
00:32:04,160 --> 00:32:06,680
Speaker 1: to be shooting me. And it's always when I'm like, oh,

613
00:32:06,720 --> 00:32:09,720
Speaker 1: I haven't seen anything in a while, right, that's when

614
00:32:09,720 --> 00:32:13,040
Speaker 1: it happens. Are you the youngest in your family to

615
00:32:13,080 --> 00:32:17,240
Speaker 1: purchase at home? Yes, definitely, the gets for sure. Oh

616
00:32:17,280 --> 00:32:20,600
Speaker 1: my god, a lot of people in your family homes.

617
00:32:21,920 --> 00:32:24,080
Speaker 1: Now that I'm older, there's a lot more who own

618
00:32:24,120 --> 00:32:28,040
Speaker 1: homes now, so I'd say the majority. Yeah, the vast

619
00:32:28,040 --> 00:32:31,480
Speaker 1: majority of my family all owned homes. It's like probably

620
00:32:31,560 --> 00:32:33,480
Speaker 1: you know the ones that are around my age, which

621
00:32:33,520 --> 00:32:36,280
Speaker 1: is very few of us have apartments. It's all the

622
00:32:36,320 --> 00:32:40,240
Speaker 1: adults have homes, so which is a blessing. That is

623
00:32:40,280 --> 00:32:42,960
Speaker 1: a blessing. So there's not a lot of key key

624
00:32:43,080 --> 00:32:45,680
Speaker 1: on whether a woman should purchase at home before she

625
00:32:45,720 --> 00:32:52,120
Speaker 1: gets married. So what are your thoughts on that check Listen,

626
00:32:53,400 --> 00:32:56,040
Speaker 1: it is really nice because when you think about it,

627
00:32:56,440 --> 00:32:58,680
Speaker 1: one of the things that you know, another conversation people

628
00:32:58,720 --> 00:33:01,520
Speaker 1: have is, you know weddings, have a wedding or buy

629
00:33:01,520 --> 00:33:04,720
Speaker 1: a house. Like my parents even told me. They were like, listen,

630
00:33:04,880 --> 00:33:07,120
Speaker 1: we could either give you ten thousand dollars for a

631
00:33:07,200 --> 00:33:11,120
Speaker 1: down payment or pay for a wedding. Well, no, I

632
00:33:11,200 --> 00:33:13,000
Speaker 1: have my house already, so I get to have the

633
00:33:13,040 --> 00:33:16,800
Speaker 1: wedding that I want, right right, Um, So I think

634
00:33:16,800 --> 00:33:18,840
Speaker 1: it's again, it's just a matter of choice and what

635
00:33:19,000 --> 00:33:22,480
Speaker 1: lifestyle you want to live. If you are not ready

636
00:33:22,560 --> 00:33:26,760
Speaker 1: to handle all the maintenance and the upkeeping, the bills

637
00:33:26,800 --> 00:33:30,080
Speaker 1: that come with owning a home, even oh girl, even

638
00:33:30,160 --> 00:33:33,400
Speaker 1: down to a damn hr way. I hate this ship.

639
00:33:33,520 --> 00:33:38,120
Speaker 1: Oh my gosh, they are so unknowing. Wait it's like

640
00:33:38,480 --> 00:33:40,760
Speaker 1: h is but else I don't know. So A way

641
00:33:40,880 --> 00:33:43,960
Speaker 1: is a homeowners association and basically you pay them a

642
00:33:44,040 --> 00:33:47,640
Speaker 1: fee every year to keep up with the community. Make

643
00:33:47,640 --> 00:33:50,040
Speaker 1: sure everything's looking good. Make sure it don't look like

644
00:33:50,080 --> 00:33:52,760
Speaker 1: you live in and you know, not the best area

645
00:33:52,840 --> 00:33:55,640
Speaker 1: or anything like that. Make sure that everybody's lawns, moode

646
00:33:55,720 --> 00:33:58,400
Speaker 1: houses is keeped up, kept up all of that type

647
00:33:58,400 --> 00:34:02,200
Speaker 1: of stuff. But so another thing that I learned when

648
00:34:02,240 --> 00:34:06,040
Speaker 1: I purchased my home, the owners before me did not

649
00:34:06,120 --> 00:34:07,800
Speaker 1: do the best job keeping up with this place. And

650
00:34:07,880 --> 00:34:10,040
Speaker 1: I'm having to reverse a lot of the stuff that

651
00:34:10,080 --> 00:34:13,040
Speaker 1: they did. And one of those things is I have

652
00:34:13,320 --> 00:34:16,759
Speaker 1: these weeds. They're called Dallas grass weeds, which they are

653
00:34:16,800 --> 00:34:19,840
Speaker 1: the hardest weeds to kill. You know. I know this

654
00:34:19,960 --> 00:34:21,600
Speaker 1: is going on your nerves because the thing that you know,

655
00:34:21,680 --> 00:34:27,520
Speaker 1: what type of weeds like what? Yeah, because you have

656
00:34:27,760 --> 00:34:29,560
Speaker 1: to know how to kill and get rid of it.

657
00:34:30,480 --> 00:34:33,080
Speaker 1: Um So, I have Dallas grass weeds. And there was

658
00:34:33,120 --> 00:34:36,200
Speaker 1: a professional who was coming and sprang for you know,

659
00:34:36,280 --> 00:34:39,839
Speaker 1: the weeds, but they just were not dying. And with

660
00:34:39,920 --> 00:34:43,720
Speaker 1: these weeds, if you just mow over them, it's there.

661
00:34:43,760 --> 00:34:45,680
Speaker 1: You're just spreading it all over the place. So that's

662
00:34:45,680 --> 00:34:48,839
Speaker 1: what they did. It's all over my lawn. So my

663
00:34:48,920 --> 00:34:52,440
Speaker 1: dad can spray on Sunday and the stuff is growing

664
00:34:52,480 --> 00:34:56,400
Speaker 1: back by Monday or Tuesday. Oh my god. Yeah, they're

665
00:34:56,480 --> 00:35:01,160
Speaker 1: as they are an invasive species. Like the stuff they

666
00:35:01,239 --> 00:35:03,759
Speaker 1: used to kill it professionally. They can't even use it

667
00:35:03,800 --> 00:35:07,960
Speaker 1: anymore because of the toxins and whatever whatever. Um So,

668
00:35:08,000 --> 00:35:10,640
Speaker 1: we're just constantly just trying to figure out different ways

669
00:35:10,680 --> 00:35:14,359
Speaker 1: to treat it, to kill it and get it down. Um.

670
00:35:14,400 --> 00:35:17,480
Speaker 1: And so it's a process. And so there's I've gotten

671
00:35:17,560 --> 00:35:19,840
Speaker 1: letters from the h A being like, please mow your lawn,

672
00:35:19,960 --> 00:35:22,880
Speaker 1: take care of your weeds, and I had to call

673
00:35:22,920 --> 00:35:25,839
Speaker 1: and tell them, listen, this is what I'm dealing with.

674
00:35:25,960 --> 00:35:28,960
Speaker 1: I am not intentionally not keeping my lawn kept up

675
00:35:28,960 --> 00:35:32,120
Speaker 1: at a you know, at a normal basis, which is impossible,

676
00:35:32,200 --> 00:35:34,239
Speaker 1: Like if you come on the wrong day, it's gonna

677
00:35:34,239 --> 00:35:37,399
Speaker 1: look like trash. How did they get there? Like they

678
00:35:37,400 --> 00:35:41,200
Speaker 1: have somebody who comes to patrol and look at each house. No,

679
00:35:41,360 --> 00:35:43,759
Speaker 1: it's not like the weeds, like because the weeds, like

680
00:35:43,920 --> 00:35:45,600
Speaker 1: it had to come how did you, like, where did

681
00:35:45,600 --> 00:35:48,640
Speaker 1: it grow from? Like I have no idea. They had

682
00:35:48,640 --> 00:35:51,040
Speaker 1: to they had to have been here already, and since

683
00:35:51,080 --> 00:35:53,160
Speaker 1: they weren't taken care of when it was probably at

684
00:35:53,160 --> 00:35:56,080
Speaker 1: a more minor state, and they just kept mowing over it.

685
00:35:56,120 --> 00:35:59,160
Speaker 1: And so when you mow over it, it's just spreading

686
00:35:59,200 --> 00:36:05,120
Speaker 1: the seedlings all over they as hell. Yeah. But so

687
00:36:05,160 --> 00:36:07,439
Speaker 1: when my dad's been doing to try to prevent them

688
00:36:07,480 --> 00:36:11,640
Speaker 1: growing even more, is he actually bags all every time

689
00:36:11,640 --> 00:36:13,680
Speaker 1: he mows, so instead of the grass being spread out

690
00:36:13,680 --> 00:36:16,239
Speaker 1: into the lawn, it goes into a trash bag as

691
00:36:16,239 --> 00:36:18,400
Speaker 1: he's mowing. And you know, every so often he has

692
00:36:18,440 --> 00:36:20,560
Speaker 1: to change the bag out. But that's just so that

693
00:36:20,600 --> 00:36:25,600
Speaker 1: it doesn't get worse than it all. So that's the process. Um.

694
00:36:25,680 --> 00:36:29,120
Speaker 1: And so he mows it every other week. You're really

695
00:36:29,120 --> 00:36:30,840
Speaker 1: not supposed to mow it every week because you know,

696
00:36:30,840 --> 00:36:34,200
Speaker 1: you gotta let your grasp kind of breathe. Um. So

697
00:36:34,239 --> 00:36:36,640
Speaker 1: by the time he comes back, it's like it's time

698
00:36:36,880 --> 00:36:39,080
Speaker 1: to get mowed. And so if they come and look

699
00:36:39,080 --> 00:36:43,120
Speaker 1: on the wrong day, yeah, it's gonna look trash. And

700
00:36:43,160 --> 00:36:45,880
Speaker 1: I explained it to them and told them, listen, if

701
00:36:45,920 --> 00:36:47,800
Speaker 1: I need to go talk to a neighbor who's complaining

702
00:36:47,840 --> 00:36:51,439
Speaker 1: about it, like let me know, like because it's really

703
00:36:51,520 --> 00:36:53,399
Speaker 1: it's really not that deep. I've never let it get

704
00:36:53,440 --> 00:36:57,879
Speaker 1: too bad. Like it's what it is, nothing I can

705
00:36:57,920 --> 00:37:01,000
Speaker 1: do about it. So one of the many things again

706
00:37:01,080 --> 00:37:03,239
Speaker 1: that you learn in homeownership like this, that's like the

707
00:37:03,320 --> 00:37:05,239
Speaker 1: small stuff like that, Like you said, like I had

708
00:37:05,239 --> 00:37:07,319
Speaker 1: to learn what the whole damn name of the weed is.

709
00:37:09,520 --> 00:37:12,400
Speaker 1: So wait, so would you let if you meet somebody,

710
00:37:12,800 --> 00:37:16,319
Speaker 1: would you let them move in with you? Yeah, I

711
00:37:16,360 --> 00:37:19,040
Speaker 1: think so. I used to be like, no, I'm not

712
00:37:19,080 --> 00:37:21,640
Speaker 1: moving in with anybody until we're married. But as I've

713
00:37:21,680 --> 00:37:26,600
Speaker 1: grown older, you gotta figure out how other people live too, though, uh,

714
00:37:26,840 --> 00:37:29,640
Speaker 1: like how your partner lives, And so I would let

715
00:37:29,719 --> 00:37:32,240
Speaker 1: them move in with me. And even after we got married,

716
00:37:32,600 --> 00:37:35,280
Speaker 1: you know, I would say, let's move into my house

717
00:37:35,719 --> 00:37:38,280
Speaker 1: until we found the house that we wanted to get together.

718
00:37:38,320 --> 00:37:42,279
Speaker 1: And even then I wouldn't sell my house because I

719
00:37:42,280 --> 00:37:44,400
Speaker 1: would just run it out or make it an airbnb

720
00:37:44,520 --> 00:37:47,520
Speaker 1: or something like that. So so the goal for you

721
00:37:47,640 --> 00:37:50,080
Speaker 1: is to keep this house and your family, oh for sure,

722
00:37:50,120 --> 00:37:53,799
Speaker 1: and pass it down. That's what's up, man. I'm just

723
00:37:53,880 --> 00:37:59,200
Speaker 1: so proud of you, Bixis, Hey, thank you. I'm just

724
00:37:59,239 --> 00:38:01,600
Speaker 1: like you know, I'm just blessed and humble to be

725
00:38:01,719 --> 00:38:03,520
Speaker 1: in the position that I am to be able to

726
00:38:03,560 --> 00:38:06,440
Speaker 1: do this. And they give about my future kids and

727
00:38:06,480 --> 00:38:08,480
Speaker 1: all of that stuff, like if they decided to go

728
00:38:08,520 --> 00:38:12,160
Speaker 1: to college here, they can live in this house right right.

729
00:38:12,680 --> 00:38:14,480
Speaker 1: So what would you say is the biggest lesson you

730
00:38:14,600 --> 00:38:20,280
Speaker 1: learned during this process? Mm hmm, be patient and trust

731
00:38:20,320 --> 00:38:26,080
Speaker 1: your good mm hmm facts, And would you do it

732
00:38:26,120 --> 00:38:28,840
Speaker 1: all over again, and if so, what would you do differently?

733
00:38:30,000 --> 00:38:33,040
Speaker 1: I would definitely do it all over again the next time.

734
00:38:33,640 --> 00:38:36,960
Speaker 1: I would actually be patient and trust my gut, which

735
00:38:37,000 --> 00:38:38,919
Speaker 1: I'd feel like towards the end is what I did.

736
00:38:39,400 --> 00:38:41,640
Speaker 1: But in the beginning, you know, it's stressed me out,

737
00:38:42,040 --> 00:38:46,040
Speaker 1: Like it's a very stressful process, and there are sometimes

738
00:38:46,080 --> 00:38:47,759
Speaker 1: when you're like, I want to give up and I

739
00:38:47,760 --> 00:38:50,920
Speaker 1: don't want to do this anymore, like and choices you're around,

740
00:38:51,000 --> 00:38:53,680
Speaker 1: just go get an apartment. But I really think at

741
00:38:53,680 --> 00:38:54,960
Speaker 1: the end of the day, I would do this all

742
00:38:54,960 --> 00:38:58,120
Speaker 1: over again for sure for this outcome and oh my gosh,

743
00:38:58,200 --> 00:39:02,319
Speaker 1: the peace, the peace it brings me to be able

744
00:39:02,360 --> 00:39:08,759
Speaker 1: to come home to my home. You know. Facts, what

745
00:39:08,920 --> 00:39:10,920
Speaker 1: is some tips you would give to the listeners on

746
00:39:11,640 --> 00:39:17,160
Speaker 1: home ownership? Some tips on home ownership. Now, it's a

747
00:39:17,200 --> 00:39:20,440
Speaker 1: little because my situation is very different and unique, I

748
00:39:20,480 --> 00:39:23,200
Speaker 1: think because like I said, I was living at home

749
00:39:23,360 --> 00:39:26,439
Speaker 1: when the pandemic started, and so all that extra money

750
00:39:26,480 --> 00:39:28,799
Speaker 1: that I wasn't spending going out or driving to work

751
00:39:28,880 --> 00:39:30,879
Speaker 1: or doing anything, it went into my savings. And that's

752
00:39:30,880 --> 00:39:33,560
Speaker 1: how I was able to save enough to have a

753
00:39:33,560 --> 00:39:36,719
Speaker 1: down payment from my house. But everybody's not in that position.

754
00:39:37,800 --> 00:39:41,319
Speaker 1: Um and even sometimes girl, my mental health food chout.

755
00:39:41,560 --> 00:39:45,200
Speaker 1: Towards the end, I was like, it's time to go

756
00:39:45,440 --> 00:39:49,640
Speaker 1: with mental health like you was like just being being

757
00:39:49,719 --> 00:39:54,600
Speaker 1: under the roof with your parents after you've lived alone before,

758
00:39:54,800 --> 00:39:56,640
Speaker 1: like because you know, I used to live on campus

759
00:39:56,719 --> 00:40:00,640
Speaker 1: and then I moved back home. It's a transition because

760
00:40:00,640 --> 00:40:03,520
Speaker 1: you can't you can't do what you want, but you

761
00:40:03,640 --> 00:40:08,840
Speaker 1: also can't do what you want, so it is mentally taxing.

762
00:40:08,880 --> 00:40:10,640
Speaker 1: And especially in the pandemic when we were all in

763
00:40:10,640 --> 00:40:12,680
Speaker 1: the same roof and couldn't go anywhere, we were all

764
00:40:12,719 --> 00:40:17,120
Speaker 1: abunder each other, like I gonna lose it, right right.

765
00:40:18,400 --> 00:40:20,680
Speaker 1: I never rent before. This is your first time, like

766
00:40:20,760 --> 00:40:24,560
Speaker 1: ever living by yourself. Yeah yeah, outside of living on campus.

767
00:40:24,600 --> 00:40:26,360
Speaker 1: When I was in l A, I lived by myself.

768
00:40:26,400 --> 00:40:30,200
Speaker 1: But other than that, yeah, oh wow. Campus life is

769
00:40:30,239 --> 00:40:33,200
Speaker 1: so much fun though it is, and being a r

770
00:40:33,239 --> 00:40:37,759
Speaker 1: A was fun too because I knew all the tea.

771
00:40:38,920 --> 00:40:44,279
Speaker 1: I can see your ass now, what happened those resids?

772
00:40:44,400 --> 00:40:48,000
Speaker 1: You worked out at that front dast They'll tell you everything.

773
00:40:50,440 --> 00:40:52,200
Speaker 1: So what would you say is untils, you will give

774
00:40:52,280 --> 00:40:54,400
Speaker 1: up to the listeners who are not in your position,

775
00:40:54,400 --> 00:40:56,400
Speaker 1: because I do think that since you did have a

776
00:40:57,760 --> 00:41:00,000
Speaker 1: I think that having support is like a luxury because

777
00:41:00,000 --> 00:41:01,440
Speaker 1: a lot of people don't have it. So I think

778
00:41:01,480 --> 00:41:04,000
Speaker 1: that's amazing that your parents were able to assist you

779
00:41:04,040 --> 00:41:07,160
Speaker 1: on this journey. But for those who don't have it,

780
00:41:07,160 --> 00:41:08,919
Speaker 1: it would be some advice or some tips you would

781
00:41:08,960 --> 00:41:11,880
Speaker 1: give them. I would say, be honest with yourself, be

782
00:41:12,040 --> 00:41:16,000
Speaker 1: honest with your budget and what your goals are, and

783
00:41:16,239 --> 00:41:18,920
Speaker 1: follow through with that. Like if you're like, all right,

784
00:41:19,040 --> 00:41:20,680
Speaker 1: I want to move into a house and you're currently

785
00:41:20,719 --> 00:41:23,560
Speaker 1: living in an apartment, you're gonna have to adjust your

786
00:41:23,600 --> 00:41:27,000
Speaker 1: lifestyle to be able to, say, for a down payment, Uh,

787
00:41:27,040 --> 00:41:29,000
Speaker 1: you're not gonna be able to go on trips like that.

788
00:41:29,000 --> 00:41:30,879
Speaker 1: That trip money is gonna have to go into your

789
00:41:30,920 --> 00:41:33,360
Speaker 1: down payment money. Like it's just you're just gonna have

790
00:41:33,400 --> 00:41:36,640
Speaker 1: to be realistic with it. Um. And I think another

791
00:41:36,680 --> 00:41:39,160
Speaker 1: thing is looking into the different types of loans that

792
00:41:39,239 --> 00:41:42,799
Speaker 1: you can get. So since my credit score was what

793
00:41:42,840 --> 00:41:45,720
Speaker 1: it was and I already had the down payment cash

794
00:41:46,000 --> 00:41:49,280
Speaker 1: waiting in the bank, I didn't have to use first

795
00:41:49,280 --> 00:41:52,680
Speaker 1: time homeowners loan. I got to be used a conventional

796
00:41:52,719 --> 00:41:57,000
Speaker 1: loan um. But there are options where you don't even

797
00:41:57,040 --> 00:41:59,759
Speaker 1: have to put it down payment down. There are those options.

798
00:42:00,120 --> 00:42:03,640
Speaker 1: Your monthly payment might be a little bit higher, but

799
00:42:04,040 --> 00:42:06,080
Speaker 1: you won't have to put all that money up front.

800
00:42:06,440 --> 00:42:10,000
Speaker 1: So again, finding somebody who can walk you, A good

801
00:42:10,239 --> 00:42:15,160
Speaker 1: realtor is really key in this situation, um because they'll

802
00:42:15,200 --> 00:42:16,960
Speaker 1: be able to guide you through it and get you

803
00:42:17,120 --> 00:42:19,960
Speaker 1: connected with the right programs because there's so many different

804
00:42:20,160 --> 00:42:22,279
Speaker 1: I didn't even realize how many programs that were out

805
00:42:22,280 --> 00:42:25,680
Speaker 1: there for first time homebuyers, especially, like I said, if

806
00:42:25,719 --> 00:42:27,359
Speaker 1: you don't have the money for a downtatement or something

807
00:42:27,400 --> 00:42:29,919
Speaker 1: like that. There's so many programs, and I think that's

808
00:42:29,960 --> 00:42:32,960
Speaker 1: what scares people is the requirements. But it's like, there

809
00:42:32,960 --> 00:42:36,759
Speaker 1: are so many resources that you can use to like,

810
00:42:37,040 --> 00:42:41,200
Speaker 1: especially when you were first time HomeBuyer. Yeah. Absolutely, And

811
00:42:41,200 --> 00:42:43,000
Speaker 1: I would say get your credit up too, because the

812
00:42:43,080 --> 00:42:45,879
Speaker 1: higher your your higher your credit is, the lower your

813
00:42:45,920 --> 00:42:48,160
Speaker 1: interest rate it's going to be on that loan, which

814
00:42:48,200 --> 00:42:53,760
Speaker 1: is gonna reduce your monthly payment. Alright, pht's clubs, Now,

815
00:42:54,120 --> 00:42:58,120
Speaker 1: let's go, let's do it some seven fifties. Okay, let's

816
00:42:58,239 --> 00:43:00,839
Speaker 1: sy I just write report. I checked the other day

817
00:43:00,840 --> 00:43:03,680
Speaker 1: and mine was out of seven fifty I said, Okay,

818
00:43:04,000 --> 00:43:06,680
Speaker 1: mine is like a seven thirties, seven forties. I'm like,

819
00:43:06,880 --> 00:43:10,719
Speaker 1: come on, guy, come on, come on, it's come up

820
00:43:10,719 --> 00:43:14,520
Speaker 1: from a four credit escort seven thirties, So come on now,

821
00:43:15,120 --> 00:43:18,399
Speaker 1: it's possible. Oh, it's possible. It's just a lot of work.

822
00:43:18,480 --> 00:43:23,320
Speaker 1: But I think that by having these conversations, conversation conversations, conversations,

823
00:43:23,360 --> 00:43:26,759
Speaker 1: and like sharing these the knowledge between us can really

824
00:43:26,760 --> 00:43:29,000
Speaker 1: help because a lot, like you said, a lot of

825
00:43:29,000 --> 00:43:31,760
Speaker 1: parents don't talk to any kids about this. They don't.

826
00:43:32,000 --> 00:43:33,879
Speaker 1: And I've had a lot of you know, people reach

827
00:43:33,920 --> 00:43:35,799
Speaker 1: out to me who you know, saw that I bought

828
00:43:35,840 --> 00:43:38,040
Speaker 1: my house by myself at the age that I did,

829
00:43:38,080 --> 00:43:39,719
Speaker 1: and they were like, hey, I'm about to be in

830
00:43:39,760 --> 00:43:41,279
Speaker 1: the same boat as you. Can you give me some

831
00:43:41,360 --> 00:43:44,920
Speaker 1: tips and what you did. So I'm definitely open to that,

832
00:43:45,160 --> 00:43:47,759
Speaker 1: and I think everybody should be like, it shouldn't be

833
00:43:48,760 --> 00:43:51,400
Speaker 1: this thing where it's just all secret and you know,

834
00:43:51,560 --> 00:43:54,080
Speaker 1: it's just like spread the wealth. What's it gonna hurt.

835
00:43:54,840 --> 00:43:59,239
Speaker 1: I'm surprised, um, like like CNN or like four so

836
00:43:59,360 --> 00:44:02,040
Speaker 1: like people like different types of press haven't reached out

837
00:44:02,080 --> 00:44:05,400
Speaker 1: to you, because that's like a really big accomplishment. Girl,

838
00:44:05,440 --> 00:44:07,800
Speaker 1: they don't know who I am. Yeah, but you should

839
00:44:07,880 --> 00:44:09,759
Speaker 1: reach out and like say, oh no, I'm serious and

840
00:44:09,880 --> 00:44:13,640
Speaker 1: like picture story. Yeah, you know, I just I never

841
00:44:13,680 --> 00:44:17,160
Speaker 1: thought about it. It It I honest to god, I didn't realize,

842
00:44:17,400 --> 00:44:19,400
Speaker 1: Like I knew it would be a big deal buying

843
00:44:19,440 --> 00:44:21,640
Speaker 1: house at the age that I was, but I never

844
00:44:21,680 --> 00:44:23,920
Speaker 1: realized how big of a deal it was until other

845
00:44:23,920 --> 00:44:27,719
Speaker 1: people were like, yo, like this is mature. Yeah, this

846
00:44:27,840 --> 00:44:30,440
Speaker 1: is not normal, Like not everybody can say that, you know,

847
00:44:31,080 --> 00:44:33,560
Speaker 1: especially for a twenty four a black twenty four year

848
00:44:33,600 --> 00:44:37,720
Speaker 1: old like normally yeah, a black twenty four year a woman,

849
00:44:37,800 --> 00:44:40,279
Speaker 1: Like I don't know, I want to say, non talk

850
00:44:40,280 --> 00:44:43,239
Speaker 1: about attends either you come from money or your celebrity,

851
00:44:43,320 --> 00:44:46,560
Speaker 1: Like yeah, and they're doing like you don't really see

852
00:44:46,640 --> 00:44:49,919
Speaker 1: young women straight out of college doing that. Yeah, because

853
00:44:49,920 --> 00:44:51,759
Speaker 1: I mean everything it was by myself, Like you know,

854
00:44:51,800 --> 00:44:53,719
Speaker 1: I had my parents health, but all the money, like

855
00:44:53,800 --> 00:44:55,879
Speaker 1: it was me. It was all me. It was like

856
00:44:56,239 --> 00:44:58,759
Speaker 1: my destiny. It's so cheesy. My destiny was in my

857
00:44:58,840 --> 00:45:03,759
Speaker 1: Hams facts facts and last not at least what this

858
00:45:03,960 --> 00:45:08,600
Speaker 1: home ownership means to you. Oh that's a good one.

859
00:45:09,160 --> 00:45:15,280
Speaker 1: Homeownership to me means peace. Mm hmm. I have so

860
00:45:15,360 --> 00:45:18,040
Speaker 1: much peace being in my house. Like sometimes I'm just

861
00:45:18,080 --> 00:45:21,160
Speaker 1: sitting on my couch watching TV and I'm like, wow,

862
00:45:21,360 --> 00:45:25,719
Speaker 1: like I really did that. Or even when I'm down

863
00:45:25,760 --> 00:45:29,160
Speaker 1: sometimes in my therapy sessions, like when I'm complaining, when

864
00:45:29,160 --> 00:45:31,520
Speaker 1: I'm complaining about all the ghettleness there is to being

865
00:45:31,560 --> 00:45:35,000
Speaker 1: a homeowner, and you know they had to replace my

866
00:45:35,120 --> 00:45:38,279
Speaker 1: water whatever, you know what I mean. My therapist is

867
00:45:38,360 --> 00:45:40,600
Speaker 1: like listen. It's it's kind of like that thing when

868
00:45:40,600 --> 00:45:42,839
Speaker 1: they're like touch grass, go outside and touch grass. She's

869
00:45:42,880 --> 00:45:46,480
Speaker 1: like touch a wall in your house that you bought,

870
00:45:46,880 --> 00:45:50,480
Speaker 1: and like remember remember, just remember where you came from

871
00:45:50,520 --> 00:45:53,520
Speaker 1: basically and realize, you know how much of a privilege

872
00:45:53,520 --> 00:45:56,040
Speaker 1: it really is. It really is a privilege. Oh no,

873
00:45:56,120 --> 00:46:01,000
Speaker 1: it's a blessing for sure. Yeah. I would you think

874
00:46:01,040 --> 00:46:03,719
Speaker 1: you are bout another home soon? Not soon, But like

875
00:46:04,760 --> 00:46:07,400
Speaker 1: I would said, I probably won't buy another house until

876
00:46:07,480 --> 00:46:09,080
Speaker 1: I meet the person I'm going to spend the rest

877
00:46:09,120 --> 00:46:12,120
Speaker 1: of my life with because I just don't. Or you know,

878
00:46:12,160 --> 00:46:15,640
Speaker 1: if I get a really good job opportunity not here,

879
00:46:16,080 --> 00:46:18,560
Speaker 1: then that's even if I moved, I would get a house.

880
00:46:18,880 --> 00:46:21,640
Speaker 1: Still I would use the equity from this house to

881
00:46:21,719 --> 00:46:27,120
Speaker 1: buy my next house right well, professional home girls, I

882
00:46:27,160 --> 00:46:31,400
Speaker 1: hope you'll enjoy this inspiring conversation I have with my

883
00:46:31,480 --> 00:46:37,759
Speaker 1: bixis girl out it out um. If you have any

884
00:46:37,800 --> 00:46:40,280
Speaker 1: questions comments, I want to say, hey, girl, Hey, please

885
00:46:40,320 --> 00:46:42,560
Speaker 1: make sure to email me a hello at the PhD

886
00:46:42,600 --> 00:46:45,560
Speaker 1: podcast dot com. And I thought this was such a

887
00:46:45,680 --> 00:46:50,880
Speaker 1: delightful conversation. Yes, super excited to be here. And y'all

888
00:46:50,960 --> 00:46:53,920
Speaker 1: just keep going. That's all I happened. To keep going,

889
00:46:54,000 --> 00:46:59,719
Speaker 1: Professional home girls, And until next time, everyone, Later by