WEBVTT - How to Pay off $11,000 of Credit Card Debt [BA QA]

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<v Speaker 1>If you haven't solved the root issue why you were

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<v Speaker 1>racking up credit or turning to credit cards in general,

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<v Speaker 1>then it's very likely that you will consolidate it and

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<v Speaker 1>shift it onto a personal loan that you can focus on,

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<v Speaker 1>but that you may just recreate the same problem a

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<v Speaker 1>year from now or even less with how expensive things are. Hey,

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<v Speaker 1>aba fan, what's up? It's your girl, Mandy Woodriff Santos

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<v Speaker 1>aka Mandy Money, your host hostess with the Mostess. I'm

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<v Speaker 1>actually here for a classic, a classic Brown Ambition episode,

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<v Speaker 1>the Baqa where y'all got questions. I'm going to take

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<v Speaker 1>them and give y'all some answers. But just a reminder

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<v Speaker 1>if you're new here, this is answers with a lowercase A,

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<v Speaker 1>meaning I am not your personal financial advisor. Don't sue me,

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<v Speaker 1>don't come for me, don't say well Mandy said I

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<v Speaker 1>should do. I am giving you like a besties perspective,

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<v Speaker 1>like a really smart, financially savvy financial journalist for over

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<v Speaker 1>a decade, podcast host for also a decade, knows a

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<v Speaker 1>lot of stuff about money and career, like That's where

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<v Speaker 1>I'm coming from here, But at the end of the day,

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<v Speaker 1>I don't have all your info. I don't even I

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<v Speaker 1>don't you know, I may not know you one hundred percent.

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<v Speaker 1>So just take this with a huge grain of salt.

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<v Speaker 1>Get your salt shakers out. Okay, now that I've covered

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<v Speaker 1>myself legally, let's get into the real real because y'all's

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<v Speaker 1>questions are becoming increasingly stressed, increasingly intense. And I got

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<v Speaker 1>a question this week from a listener called A n

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<v Speaker 1>and she emailed me directly, which, by the way, if

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<v Speaker 1>you want to get your questions financial investing, career, whatever

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<v Speaker 1>it may be, you can email me Browdambition Podcast at

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<v Speaker 1>gmail dot com or slide into my DMS. I'm at

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<v Speaker 1>Brown Ambition Podcast on ig. If you want to be anonymous,

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<v Speaker 1>that's cool. If you want to use a pseudonym, also great.

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<v Speaker 1>If you want me to say your full name so

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<v Speaker 1>everybody knows who it is that's asking the question. You know,

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<v Speaker 1>it's a to y'all. The point is I want to

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<v Speaker 1>give y'all a chance who may not be able to

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<v Speaker 1>get access to my coaching program to me one on

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<v Speaker 1>one ask your questions. You don't have to go through

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<v Speaker 1>hardshit alone, and that is what I'm here for. Okay, Okay,

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<v Speaker 1>BA fan, stay tuned. We'll be right back now. Other

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<v Speaker 1>housekeeping stuff, what else is going on? We have a

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<v Speaker 1>new intern, a new producer intern, BA fan. We want

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<v Speaker 1>to say hello to our brand new producer intern, Miss Gabrielle.

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<v Speaker 1>Welcome her. And Gabrielle is a upcoming college sophomore at

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<v Speaker 1>Syracuse University, which is an incredible journalism program. And this

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<v Speaker 1>is a really good example of how if you want

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<v Speaker 1>to know, if you want to put yourself in the

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<v Speaker 1>room where opportunities can happen to you. Gabrielle is an

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<v Speaker 1>incredible example of that because I ran into her. I

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<v Speaker 1>met her because she asked a question at an event

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<v Speaker 1>that I went to for an author and former guest

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<v Speaker 1>of the show, Alencia Johnson, when her book came out

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<v Speaker 1>Flip the Tables. Both me and Gabrielle happened to go

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<v Speaker 1>downtown to the Barnes and Noble in the Upper West

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<v Speaker 1>Side where Alencia was giving a talk, and Gabrielle raised

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<v Speaker 1>her hand also she went with her mom, which is

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<v Speaker 1>just adorable. She raised her hand, she asked a great question,

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<v Speaker 1>and I was at that point where I'm like, I

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<v Speaker 1>would love to work with a college student to give

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<v Speaker 1>them some real hands on experience in you know, podcasting,

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<v Speaker 1>and to be able to help with this brand and

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<v Speaker 1>also the youths. I need to connect with the youths.

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<v Speaker 1>So I heard Gabrielle's question. I walked up to her.

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<v Speaker 1>I was like, okay, tell me about yourself. You said

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<v Speaker 1>you went to Syracuse. What's all going on? Do you

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<v Speaker 1>want an internship? This was maybe back in February March,

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<v Speaker 1>I want to say. So she's like, well, I have school,

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<v Speaker 1>but let's talk. And so we talked. You know, she

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<v Speaker 1>sent me her resume, her clips. I got to know

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<v Speaker 1>her a little bit better, and then I was like,

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<v Speaker 1>you know, when do your finals over, can you start then?

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<v Speaker 1>And that's exactly what's happened. So she's going to be

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<v Speaker 1>with us for the summer and we'll see about the future.

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<v Speaker 1>But very excited to give her this opportunity, and I

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<v Speaker 1>know she's gonna smash it. All right, So let's get

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<v Speaker 1>into today's question, y'all. This is from a listener who

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<v Speaker 1>wants me to call her a ny and she has

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<v Speaker 1>a question about credit card debt. And I says, first

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<v Speaker 1>and foremost, Mandy, I want to let you know I

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<v Speaker 1>have been a huge fan of the brown Envision podcast,

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<v Speaker 1>a dedicated listener for the past six years. Y'all have

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<v Speaker 1>helped me so much with valuable information throughout the years.

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<v Speaker 1>I could really use some solid financial advice right now.

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<v Speaker 1>I'm carrying a total of eleven thousand, five hundred and

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<v Speaker 1>fifty seven dollars and twenty six cents of credit card debt.

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<v Speaker 1>I have an American Express card with a twenty nine

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<v Speaker 1>point nine to nine percent interest rate, a Capital One

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<v Speaker 1>card at twenty eight point twenty four percent, another one

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<v Speaker 1>at thirty one point two percent, and my PayPal credit

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<v Speaker 1>is at thirty point thirty nine percent. With these high rates,

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<v Speaker 1>it feels like I'm barely making a dent in these balances.

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<v Speaker 1>Would it be wise to take out a personal loan

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<v Speaker 1>with a lo interest rate to consolidate and pay off

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<v Speaker 1>these cards and then focus on paying down that loan instead.

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<v Speaker 1>I also have student loans, but that's a whole separate conversation.

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<v Speaker 1>Thank you, all right, And I that's really expensive debt.

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<v Speaker 1>I'm glad that you only have eleven thousand. I know

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<v Speaker 1>that that number seems really high, and it is. I mean,

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<v Speaker 1>it's a lot of debt, right, but I'm glad it's

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<v Speaker 1>not worse, because that can easily double. Like with these

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<v Speaker 1>interest rates. There are some interest calculators that you can use.

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<v Speaker 1>I know bank rate has one investor dot gov. You

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<v Speaker 1>can put this into a calculator and see what's going

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<v Speaker 1>to happen to those credit card balances. If you continue

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<v Speaker 1>to just pay you the monthly payment and you're not

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<v Speaker 1>actually chipping away at that principal amount, it can really balloon.

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<v Speaker 1>I actually do think, in my personal opinion, that it

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<v Speaker 1>would be wise to take out a debt consolidation loan. Now.

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<v Speaker 1>It's not going to eliminate your debt, right and I

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<v Speaker 1>don't want you to. This is the hard part when

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<v Speaker 1>you pay down those credit cards. If you haven't solved

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<v Speaker 1>the root issue, like if you haven't gotten to the

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<v Speaker 1>bottom of why you were racking up credit or turning

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<v Speaker 1>to credit cards in general, then it's very likely that

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<v Speaker 1>you will consolidate it and shift it onto a personal

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<v Speaker 1>loan that you can focus on, but that you may

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<v Speaker 1>just recreate the same problem a year from now or

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<v Speaker 1>even less with how expensive things are. So that's something

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<v Speaker 1>to consider for right now when you do feel like

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<v Speaker 1>you are bleeding from these high interest rates. I would

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<v Speaker 1>start shopping for a debt consolidation loan. I recommend starting

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<v Speaker 1>with your local credit union. I recommend shopping around online,

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<v Speaker 1>looking for some online lenders because they tend to have

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<v Speaker 1>fewer fees and be more affordable. Obviously, read reviews, read

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<v Speaker 1>the fine print. There's a lot of great content out

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<v Speaker 1>there where people you know will rigorously test and vet

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<v Speaker 1>these different products for consumers. I used to work at

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<v Speaker 1>a website called lending Tree, Magnify Money, you know Value Penguin,

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<v Speaker 1>where it was our job to really like drill into

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<v Speaker 1>the fine print of these types of products and help

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<v Speaker 1>consumers make educated decisions when they're comparing. So do your

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<v Speaker 1>due diligence. The one great thing about credit unions is

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<v Speaker 1>they have an eighteen percent cap on their credit cards,

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<v Speaker 1>and I believe it applies to loans as well. Also,

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<v Speaker 1>credit unions may be more willing to work with you

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<v Speaker 1>if you don't have the most, you know, the greatest credit.

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<v Speaker 1>And what I want to avoid is, you know, with

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<v Speaker 1>these high interest rates, I'm going to guess your credit

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<v Speaker 1>score is probably in like the fair category, maybe like six'

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<v Speaker 1>eighty mid six hundreds. And it doesn't mean it's impossible

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<v Speaker 1>to get a debt consolidation loan, it just means that

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<v Speaker 1>you may not save as much as you were hoping. Yeah,

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<v Speaker 1>that can be kind of disappointing. And if you get

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<v Speaker 1>a debt consolidation loan and the interest rate is maybe

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<v Speaker 1>not even that much better than the interest rate you

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<v Speaker 1>have in your credit card debt right now, then it

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<v Speaker 1>becomes a decision about simplicity and also a fixed rate

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<v Speaker 1>versus a variable rate. One of the key differences with

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<v Speaker 1>a person alone is that you have a fixed interest rate.

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<v Speaker 1>Credit cards have a variable interest rate, and the more

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<v Speaker 1>the Fed, you know, tweaks the interest rate and raises

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<v Speaker 1>it lowers it, that can impact the interest rate on

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<v Speaker 1>our credit cards. It's very well likely possible that when

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<v Speaker 1>you first took out these credit cards, your interest rate

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<v Speaker 1>was better than it is now, but rates have been

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<v Speaker 1>rising and here we are, so with a personal loan,

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<v Speaker 1>like let's say it's high twenties in terms of like APR,

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<v Speaker 1>which doesn't sound great, but you're not just but at

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<v Speaker 1>least you know then the interest rate is going to

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<v Speaker 1>be fixed and no matter what the Fed does, it'll stay.

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<v Speaker 1>You're also going to get a fixed repayment term, which

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<v Speaker 1>means they're going to give you a loan for like

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<v Speaker 1>thirty six months, forty eight months, whatever it may be.

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<v Speaker 1>And then you know, by the time this time is over,

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<v Speaker 1>I'm going to have one monthly payment. It's going to

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<v Speaker 1>be a fixed rate, and I know when I'm going

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<v Speaker 1>to have this debt paid off. And then you don't

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<v Speaker 1>have four different credit cards to keep track of, right

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<v Speaker 1>you have like four or five different credit cards to

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<v Speaker 1>keep track of. You have that one payment. But I

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<v Speaker 1>really encourage you, like to get rigorous and get really

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<v Speaker 1>diligent with your tracking of your expenses and your overall

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<v Speaker 1>budget because getting to the root cause of what's caught,

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<v Speaker 1>what's led to this, you know, five figure credit card debt,

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<v Speaker 1>that is what's going to help you prevented from happening now.

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<v Speaker 1>And listen, I am not here to judge. It is

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<v Speaker 1>so expensive in these streets, and as an entrepreneur, as

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<v Speaker 1>a mom, you know, with a mortgage, and y'all know,

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<v Speaker 1>I got these kids in daycare and after school activities

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<v Speaker 1>and summer camps is coming up. My goodness, I one

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<v Speaker 1>hundred percent can see how in just a few months

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<v Speaker 1>you can have this much credit card debt and then

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<v Speaker 1>it becomes really stressful and it weighs on you. Hey,

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<v Speaker 1>ba fam, we got to take a quick break, pay

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<v Speaker 1>some bills, and we'll be right back. All right, ba fam,

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<v Speaker 1>We're back. So I just want you to know it's

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<v Speaker 1>not at all something that you know. And I just

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<v Speaker 1>had Asia Evans, a financial therapist, on the show. If

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<v Speaker 1>y'all haven't listened to that episode from Wednesday, please go

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<v Speaker 1>check it out because we talk about mindset around debt

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<v Speaker 1>and how it's important not to put so much focus

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<v Speaker 1>or like really like get down on yourself on a

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<v Speaker 1>personal level because you have this debt. Like I'm dumb,

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<v Speaker 1>I'm you know, I made some poor choices. What's wrong

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<v Speaker 1>with me? I should know better. That's not helpful. It's

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<v Speaker 1>not helpful. You're probably making the best decision with the

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<v Speaker 1>options that you have. And there's this famous quote, at

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<v Speaker 1>least for me. In this series Little Fires Everywhere, where,

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<v Speaker 1>Carrie Washington's character is talking to Reese Witherspoon's wasp neighbor

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<v Speaker 1>character and she's like, Reese Witherspoon's character is judging Carrie's

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<v Speaker 1>character for the choices she made about her daughter, and

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<v Speaker 1>Carrie Washington is like, you didn't make good choices. You

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<v Speaker 1>had good choices, And that says so much about privilege

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<v Speaker 1>and about just the fact that we're all out here

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<v Speaker 1>doing our best with the plate we have, like the

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<v Speaker 1>lot we have in life. And yeah, unfortunately that does

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<v Speaker 1>look like putting things on credit that you may not

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<v Speaker 1>be able to pay off right away. But let's just

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<v Speaker 1>like set that aside. You know, acknowledge that you're doing

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<v Speaker 1>the best you can. You're listening to Brown Ambition. You

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<v Speaker 1>sent me your question. You know, I really hope that

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<v Speaker 1>this is helpful for you and that you can start

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<v Speaker 1>chipping away at that debt. And another good thing about

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<v Speaker 1>a debt consolidation loan is when you take out that

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<v Speaker 1>loan and use that money to pay off these credit

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<v Speaker 1>card balances immediately, your credit score should go way up

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<v Speaker 1>because your credit score, yes, you still have the same

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<v Speaker 1>amount of debt, you haven't eliminated that debt. That personal

0:11:43.760 --> 0:11:46.920
<v Speaker 1>loan will appear on your credit report, but it's not

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<v Speaker 1>a line of credit. It is a fixed term loan.

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<v Speaker 1>It's not a revolving credit line like your credit card

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<v Speaker 1>debt was, and your credit score should benefit from that

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<v Speaker 1>because revolving high interest debt can drag down your score,

0:12:01.600 --> 0:12:04.120
<v Speaker 1>especially when you have a lot of it, you know,

0:12:04.240 --> 0:12:08.160
<v Speaker 1>compared to your total available limit you know, utilization rate.

0:12:08.240 --> 0:12:11.440
<v Speaker 1>That's how much of your credit card limit you're using

0:12:11.800 --> 0:12:16.000
<v Speaker 1>versus how much your limit is. And another sneaky thing

0:12:16.000 --> 0:12:18.240
<v Speaker 1>that credit cards do that you may not even realize

0:12:18.520 --> 0:12:22.640
<v Speaker 1>when you're someone who is continually racking up and adding

0:12:22.679 --> 0:12:26.640
<v Speaker 1>more to your credit card is they will adjust your balance.

0:12:26.640 --> 0:12:28.480
<v Speaker 1>So you may think you have like a twenty thousand

0:12:28.520 --> 0:12:31.360
<v Speaker 1>dollars limit, but if they see that you are getting

0:12:31.360 --> 0:12:33.520
<v Speaker 1>close to hitting that limit and you're not paying it

0:12:33.600 --> 0:12:36.760
<v Speaker 1>down in full each month, they can of their own

0:12:36.800 --> 0:12:40.800
<v Speaker 1>will just go in there and reduce your your limit

0:12:40.960 --> 0:12:44.240
<v Speaker 1>because they're afraid that it's looking like an I may

0:12:44.240 --> 0:12:46.640
<v Speaker 1>not be able to pay this off, so let's actually

0:12:46.720 --> 0:12:49.960
<v Speaker 1>decrease her limit so she doesn't take on even more

0:12:50.000 --> 0:12:51.760
<v Speaker 1>debt that we're not going to get paid back for.

0:12:52.360 --> 0:12:55.280
<v Speaker 1>So that can hinder your credit score, because all of

0:12:55.280 --> 0:12:58.040
<v Speaker 1>a sudden, you may have five K, you know, on

0:12:58.920 --> 0:13:00.800
<v Speaker 1>a ten K card, which which gives you a fifty

0:13:00.840 --> 0:13:04.360
<v Speaker 1>percent utilization rate, and that's not great, but it's not terrible.

0:13:04.960 --> 0:13:07.440
<v Speaker 1>Then they maybe they chop that limit in half and

0:13:07.520 --> 0:13:09.559
<v Speaker 1>now that five k is on a card that has

0:13:09.559 --> 0:13:13.079
<v Speaker 1>a five five hundred dollars limit, and now your utilization

0:13:13.200 --> 0:13:15.800
<v Speaker 1>is almost at one hundred percent. And so that is

0:13:15.840 --> 0:13:18.440
<v Speaker 1>how you know, even these like little things behind the

0:13:18.480 --> 0:13:21.960
<v Speaker 1>scenes can be impacting your credit as you are relying

0:13:21.960 --> 0:13:25.000
<v Speaker 1>more on credit cards and using those on a revolving

0:13:25.040 --> 0:13:28.120
<v Speaker 1>basis and not paying them down in full. So and

0:13:28.240 --> 0:13:30.960
<v Speaker 1>I hope this is helpful. I also like, if it

0:13:30.960 --> 0:13:33.680
<v Speaker 1>comes down to being a budget issue and you have

0:13:33.840 --> 0:13:36.440
<v Speaker 1>cut everything that you can possibly cut from your budget,

0:13:36.440 --> 0:13:38.040
<v Speaker 1>then I would say it's time to start looking for

0:13:38.080 --> 0:13:41.520
<v Speaker 1>additional sources of income. And maybe once you have a

0:13:41.600 --> 0:13:45.120
<v Speaker 1>one fixed rate debt consolidation loan payment to worry about

0:13:45.120 --> 0:13:47.600
<v Speaker 1>each month, you can come up with a side hustle,

0:13:48.040 --> 0:13:49.760
<v Speaker 1>you know, a way to bring an extra income and

0:13:49.920 --> 0:13:52.040
<v Speaker 1>just use that money and say this is going to

0:13:52.040 --> 0:13:55.080
<v Speaker 1>be to pay on this debt consolidation loan. And that's

0:13:55.080 --> 0:13:57.560
<v Speaker 1>how I'm going to you know, be able to move

0:13:57.600 --> 0:14:00.640
<v Speaker 1>forward and create that space in my budget for this

0:14:00.679 --> 0:14:05.600
<v Speaker 1>new expense. Hey, bafam, we got to take a quick break,

0:14:05.720 --> 0:14:09.160
<v Speaker 1>pay some bills and we'll be right back. Welcome back,

0:14:09.200 --> 0:14:11.160
<v Speaker 1>BA fam. Let's get back to the show, all right,

0:14:11.200 --> 0:14:14.040
<v Speaker 1>and I think I've said everything I possibly could say

0:14:14.040 --> 0:14:16.360
<v Speaker 1>on this. I want to wish you well. I want

0:14:16.400 --> 0:14:18.840
<v Speaker 1>to wish you luck, and to our listeners who are

0:14:18.840 --> 0:14:21.160
<v Speaker 1>also struggling with credit card debt, I want to hear

0:14:21.200 --> 0:14:23.680
<v Speaker 1>from y'all. Could you email me Brand Ambition Podcast at

0:14:23.680 --> 0:14:27.280
<v Speaker 1>gmail dot com or dm me at Brand Ambition Podcast

0:14:27.400 --> 0:14:30.320
<v Speaker 1>on Instagram and let me know how much debt you have,

0:14:30.760 --> 0:14:33.760
<v Speaker 1>how you're managing it, and even if that's the first

0:14:33.760 --> 0:14:35.840
<v Speaker 1>time in a long time you have gone and actually

0:14:35.880 --> 0:14:39.280
<v Speaker 1>looked at all of your accounts. And just because Mandy

0:14:39.400 --> 0:14:41.360
<v Speaker 1>asked you how much debt you have, you don't have

0:14:41.440 --> 0:14:44.320
<v Speaker 1>to tell me, but I at least want us together

0:14:44.480 --> 0:14:47.520
<v Speaker 1>to hold hands and like, go check our balances right now.

0:14:47.720 --> 0:14:50.720
<v Speaker 1>Check your balances, check your limit, see if it's been changing.

0:14:50.960 --> 0:14:54.040
<v Speaker 1>You know, it's so easy to get a free credit report,

0:14:54.120 --> 0:14:57.000
<v Speaker 1>a free credit score these days online. Probably all your

0:14:57.040 --> 0:15:00.560
<v Speaker 1>banks offer some version of that. So let's actually look

0:15:00.600 --> 0:15:03.760
<v Speaker 1>at it. I know better than anyone that it's really

0:15:03.800 --> 0:15:05.480
<v Speaker 1>easy to just like stick your head in the sand.

0:15:05.520 --> 0:15:08.080
<v Speaker 1>It's nice and dark in the sand. You don't have

0:15:08.160 --> 0:15:10.720
<v Speaker 1>to look at stuff that stresses you out. But now

0:15:10.760 --> 0:15:13.080
<v Speaker 1>I have one of my recent gas rokel Odin from

0:15:13.560 --> 0:15:16.360
<v Speaker 1>HSBC Bank. I have her voice in my head like,

0:15:17.000 --> 0:15:20.520
<v Speaker 1>look at it. You have to look at it, even

0:15:20.560 --> 0:15:22.720
<v Speaker 1>if it's scary. It's not going to go away just

0:15:22.760 --> 0:15:24.640
<v Speaker 1>because you're avoiding it, and in fact, it make it

0:15:24.640 --> 0:15:28.640
<v Speaker 1>even worse. So I encourage y'all go check out your balances.

0:15:29.080 --> 0:15:31.040
<v Speaker 1>If you need a spreadsheet, you're going to use a

0:15:31.080 --> 0:15:33.520
<v Speaker 1>tracking app like I do. I use Rocket Money. Do

0:15:33.600 --> 0:15:35.400
<v Speaker 1>what you got to do to get all of your

0:15:35.680 --> 0:15:37.600
<v Speaker 1>ducks in a row, your financial ducks in a row,

0:15:38.080 --> 0:15:42.080
<v Speaker 1>and then we can start strategically paying them down. And

0:15:42.120 --> 0:15:43.960
<v Speaker 1>if you're wondering, like mey, hey, Mandy, why didn't you

0:15:43.960 --> 0:15:47.080
<v Speaker 1>recommend that? And I just did the debt snowball or

0:15:47.120 --> 0:15:51.000
<v Speaker 1>the debt avalanche method, that's also something like if you

0:15:51.080 --> 0:15:54.240
<v Speaker 1>really want to tackle this debt and you know you

0:15:54.280 --> 0:15:57.000
<v Speaker 1>don't want to take out that personal loan or an eye,

0:15:57.120 --> 0:15:59.520
<v Speaker 1>if you go and apply for a personal loan and

0:15:59.560 --> 0:16:01.760
<v Speaker 1>you find out that they're not going to give you

0:16:01.800 --> 0:16:04.120
<v Speaker 1>an APR that's any better than these credit cards, then

0:16:04.160 --> 0:16:06.400
<v Speaker 1>maybe at that point it's like, well, what's the point

0:16:06.800 --> 0:16:09.360
<v Speaker 1>I offered you all the pros of a personal loan?

0:16:09.480 --> 0:16:11.480
<v Speaker 1>So there still is a case to be made for

0:16:11.600 --> 0:16:13.480
<v Speaker 1>taking one out. But if you were just going to

0:16:13.520 --> 0:16:16.280
<v Speaker 1>tackle this one card at a time, the interest rates

0:16:16.280 --> 0:16:18.560
<v Speaker 1>are all so similar, it might make more sense for

0:16:18.600 --> 0:16:21.880
<v Speaker 1>you to take the debt snowball approach where you order

0:16:21.960 --> 0:16:24.440
<v Speaker 1>them from the highest to lowest balance or the lowest

0:16:24.440 --> 0:16:28.320
<v Speaker 1>to highest balances, and you pay down your smallest balance

0:16:28.400 --> 0:16:31.720
<v Speaker 1>first and then you just like let that. You know,

0:16:31.880 --> 0:16:33.840
<v Speaker 1>even though it's not going to save you the most

0:16:33.840 --> 0:16:37.920
<v Speaker 1>on interest technically over time, it does really help to

0:16:38.240 --> 0:16:42.000
<v Speaker 1>get that momentum going and to help give you a

0:16:42.040 --> 0:16:45.720
<v Speaker 1>bit of like positive reinforcement to see that progress being made.

0:16:46.040 --> 0:16:49.040
<v Speaker 1>I'm interested to hear what you do. Please follow up

0:16:49.080 --> 0:16:51.880
<v Speaker 1>with me and ba fan. Thank you so much for listening.

0:16:52.360 --> 0:16:54.320
<v Speaker 1>I would love if y'all could take a second to

0:16:54.440 --> 0:16:58.680
<v Speaker 1>leave me review on Spotify or Apple Podcasts. It's so important,

0:16:58.760 --> 0:17:01.720
<v Speaker 1>especially at its where everything in the economy is a

0:17:01.720 --> 0:17:05.000
<v Speaker 1>little Craig crag that includes the podcasting space, So your

0:17:05.000 --> 0:17:07.840
<v Speaker 1>support means so much to me. If you haven't left review,

0:17:07.880 --> 0:17:11.400
<v Speaker 1>it takes less than twenty seconds to do. You can

0:17:11.600 --> 0:17:13.560
<v Speaker 1>you scroll on your app right now find out where

0:17:13.560 --> 0:17:15.639
<v Speaker 1>you can leave the review. Leave some kind words. I

0:17:15.680 --> 0:17:18.639
<v Speaker 1>do love them. And I'm actually gonna shout out a

0:17:18.680 --> 0:17:23.160
<v Speaker 1>reviewer right now because I love reading y'all's reviews so much.

0:17:23.200 --> 0:17:26.879
<v Speaker 1>All right, let me go find one. There you go,

0:17:27.160 --> 0:17:32.119
<v Speaker 1>all right? From listener WGSSF, she says, yay Moms five stars, Mandy,

0:17:32.160 --> 0:17:35.240
<v Speaker 1>I love, love, love your Mother's Day episode with Moms

0:17:35.359 --> 0:17:38.240
<v Speaker 1>Reina and Jessica. I love how honest and thoughtful y'all were.

0:17:38.640 --> 0:17:42.040
<v Speaker 1>Your conversation was about the difficult balance that motherhood can bring.

0:17:42.400 --> 0:17:44.800
<v Speaker 1>Thank you for your candid takes on life and money.

0:17:45.280 --> 0:17:49.040
<v Speaker 1>And then listener are and Optional says so good, Thank

0:17:49.080 --> 0:17:52.200
<v Speaker 1>you five stars. Eal been listening for years. Mandy is

0:17:52.240 --> 0:17:55.639
<v Speaker 1>handling solo hosting with great Brown Tables and continues to

0:17:55.640 --> 0:17:58.760
<v Speaker 1>bring amazing guests. I also love how vulnerable she is

0:17:58.800 --> 0:18:01.119
<v Speaker 1>in her motherhood season. Keeping it real is how we

0:18:01.119 --> 0:18:05.560
<v Speaker 1>support each other. Thank you. That is so so kind.

0:18:06.119 --> 0:18:08.960
<v Speaker 1>Ba fam. I read all your reviews. I can't wait

0:18:08.960 --> 0:18:11.880
<v Speaker 1>to read some more. Thank you so much. And while

0:18:11.880 --> 0:18:14.159
<v Speaker 1>you're at it, shared this episode with someone who you

0:18:14.240 --> 0:18:16.919
<v Speaker 1>think might need to hear it and tell a friend,

0:18:17.080 --> 0:18:20.600
<v Speaker 1>Tell a friend. Until next time, I am your host.

0:18:20.640 --> 0:18:24.080
<v Speaker 1>Mandy Wichard Santos aka Mandy Money, and thanks so much

0:18:24.119 --> 0:18:28.760
<v Speaker 1>for listening. Bye okay va fam, thank you so much

0:18:28.800 --> 0:18:31.200
<v Speaker 1>for listening to this week's show. I want to shout

0:18:31.200 --> 0:18:35.639
<v Speaker 1>out to our production team, Courtney, our editor, Carla, our

0:18:35.720 --> 0:18:39.560
<v Speaker 1>fearless leader for idea to launch productions. I want to

0:18:39.560 --> 0:18:44.240
<v Speaker 1>shout out my assistant Lauda Escalante and Cameron McNair for

0:18:44.359 --> 0:18:46.960
<v Speaker 1>helping me put the show together. It is not a

0:18:47.160 --> 0:18:50.359
<v Speaker 1>one person project, as much as I have tried to

0:18:50.400 --> 0:18:53.800
<v Speaker 1>make it so these past ten years. I need help, y'all,

0:18:54.200 --> 0:18:56.440
<v Speaker 1>and thank goodness I've been able to put this team

0:18:56.560 --> 0:18:59.320
<v Speaker 1>around me to support me on this journey. And to

0:18:59.440 --> 0:19:02.480
<v Speaker 1>y'all be a I love you so so so so much.

0:19:03.160 --> 0:19:05.679
<v Speaker 1>Please rate, review, subscribe, make sure you sign up to

0:19:05.720 --> 0:19:09.320
<v Speaker 1>the newsletter to get all the latest updates on upcoming episodes,

0:19:09.400 --> 0:19:14.520
<v Speaker 1>our tenth year anniversary celebrations to come, and until next time,

0:19:14.920 --> 0:19:20.679
<v Speaker 1>talk to you soon via bye