1 00:00:16,360 --> 00:00:20,880 Speaker 1: Hey, hey, hey, I'm back. Sorry guys, last week I 2 00:00:20,880 --> 00:00:21,960 Speaker 1: got my days confused. 3 00:00:22,840 --> 00:00:25,000 Speaker 2: Thanks for I was trying to like play it off 4 00:00:25,000 --> 00:00:28,160 Speaker 2: for you, like, oh, she's just you know, being fabulous 5 00:00:28,240 --> 00:00:30,240 Speaker 2: and taping. I wasn't gonna tell them that you forgot 6 00:00:30,240 --> 00:00:30,720 Speaker 2: about me. 7 00:00:31,200 --> 00:00:33,960 Speaker 1: No, I honestly I was. It was I was in 8 00:00:34,159 --> 00:00:37,520 Speaker 1: LA and I honestly was like, oh, it's Monday, yes, 9 00:00:37,760 --> 00:00:40,160 Speaker 1: And then you texted me like hey girl. Later today, 10 00:00:40,159 --> 00:00:43,880 Speaker 1: I'm like, it's just Tuesday. Oh my god. And I'm 11 00:00:43,920 --> 00:00:45,920 Speaker 1: so glad that you text me, because honestly, I was 12 00:00:45,920 --> 00:00:47,199 Speaker 1: about to get on a plane and you would have 13 00:00:47,240 --> 00:00:49,960 Speaker 1: been like where in the world of siphany because I 14 00:00:49,960 --> 00:00:52,519 Speaker 1: didn't get off until like ten, So I'd been like. 15 00:00:53,280 --> 00:00:56,160 Speaker 2: Maybe I forgive you. I forgive you. 16 00:00:56,720 --> 00:00:58,840 Speaker 1: Everyone say, Mama, I can tell I'm gonna forget my 17 00:00:58,920 --> 00:00:59,560 Speaker 1: kid at school. 18 00:01:00,560 --> 00:01:03,160 Speaker 2: Listen. I forgot which way to like leave out of 19 00:01:03,160 --> 00:01:05,640 Speaker 2: my own driveway today because I have a driveway now 20 00:01:05,760 --> 00:01:07,399 Speaker 2: that's like a thing that you park a car on. 21 00:01:08,640 --> 00:01:12,000 Speaker 2: I didn't anticipate so moving into this house this past week, 22 00:01:12,000 --> 00:01:16,240 Speaker 2: and I didn't anticipate like just how disoriented I would be. 23 00:01:16,720 --> 00:01:18,679 Speaker 2: The first day here, people were knocking on our door 24 00:01:18,800 --> 00:01:22,440 Speaker 2: packages being delivered, so much human interaction, which is weird 25 00:01:22,920 --> 00:01:25,319 Speaker 2: because you think we're so far from humans, being kind 26 00:01:25,319 --> 00:01:27,440 Speaker 2: of in the suburbs. But I have had more face 27 00:01:27,480 --> 00:01:29,480 Speaker 2: to face conversations with people than I ever had in 28 00:01:29,520 --> 00:01:33,720 Speaker 2: my apartment in Jersey, which is just a I don't know, 29 00:01:33,760 --> 00:01:36,360 Speaker 2: but that mixed with like the new commute, I'm just 30 00:01:36,440 --> 00:01:39,640 Speaker 2: like I'm adjusting. I'm in that adjusting face. You guys 31 00:01:39,680 --> 00:01:41,480 Speaker 2: haven't moved in yet, have you. 32 00:01:41,560 --> 00:01:45,399 Speaker 1: No, No, we're gonna. We've been like finding somebody to 33 00:01:45,440 --> 00:01:49,400 Speaker 1: abate the lead, and the asbestis has been a pain 34 00:01:49,480 --> 00:01:53,520 Speaker 1: in the butt because I don't know contractor sometimes they 35 00:01:53,600 --> 00:01:55,480 Speaker 1: just don't show up. You're like, Okay, yes, you're gonna 36 00:01:55,520 --> 00:01:56,960 Speaker 1: come on Monday, do a walk through and give us 37 00:01:56,960 --> 00:02:00,680 Speaker 1: a price. Monday comes, Tuesday comes, Whenesday come. Tech text 38 00:02:00,760 --> 00:02:03,320 Speaker 1: called calm nothing. So we've only had one guy walk 39 00:02:03,360 --> 00:02:05,240 Speaker 1: through and I don't know if what he's charging is 40 00:02:05,240 --> 00:02:08,480 Speaker 1: a lot or little. And so you know, our project 41 00:02:08,480 --> 00:02:10,960 Speaker 1: managers like, you need at least one other person to 42 00:02:11,040 --> 00:02:14,160 Speaker 1: give you, you know, a price range. And some people 43 00:02:14,200 --> 00:02:16,400 Speaker 1: were like, oh, we'll just email your price, and I'm like, 44 00:02:16,440 --> 00:02:18,720 Speaker 1: but you haven't even seen one person emailed us, Uh, 45 00:02:18,720 --> 00:02:23,239 Speaker 1: it's looking around thirty thousand. I'm like, are you meanwhile, 46 00:02:23,320 --> 00:02:25,480 Speaker 1: the guy that walked through told is twenty five hundred? 47 00:02:27,400 --> 00:02:29,840 Speaker 1: What are you doing based upon what it sounds like? 48 00:02:29,880 --> 00:02:32,040 Speaker 1: I'm like, sir, can you come to that house? 49 00:02:32,639 --> 00:02:35,160 Speaker 2: Well, I can tell you twenty five hundred is reasonable 50 00:02:35,200 --> 00:02:37,440 Speaker 2: because we got an estimate for that much this weekend. 51 00:02:37,720 --> 00:02:39,600 Speaker 1: But it all depends like so, but are you guys 52 00:02:39,600 --> 00:02:41,320 Speaker 1: that's just for the asbestos right. 53 00:02:41,600 --> 00:02:44,160 Speaker 2: Well, yes, just for asbestos, not for lead paint. But 54 00:02:44,480 --> 00:02:46,960 Speaker 2: I just real quick, I was gonna do my break 55 00:02:47,000 --> 00:02:49,720 Speaker 2: about this. But I think the whole advice around getting 56 00:02:49,760 --> 00:02:52,840 Speaker 2: quotes like so for I've been writing about personal finance 57 00:02:52,960 --> 00:02:56,040 Speaker 2: and we all been talking about get quotes. See many 58 00:02:56,080 --> 00:02:59,480 Speaker 2: experts compare, compare, compare that shit is hard to do 59 00:02:59,600 --> 00:03:02,600 Speaker 2: in real life. It is hard. Like it's your time, 60 00:03:02,840 --> 00:03:05,280 Speaker 2: it's your energy. So I feel you one hundred percent. 61 00:03:05,400 --> 00:03:08,240 Speaker 2: I am like, we are trying to get three quotes 62 00:03:08,280 --> 00:03:11,080 Speaker 2: per project and it is such a pain. 63 00:03:11,240 --> 00:03:12,840 Speaker 1: I'm not gonna lie now that you just said. I'm like, 64 00:03:13,000 --> 00:03:15,360 Speaker 1: that's quote enough for me. I'm about to tell Superman like, 65 00:03:15,480 --> 00:03:19,480 Speaker 1: oh yeah, so I think because because that's that's literally, 66 00:03:19,480 --> 00:03:22,040 Speaker 1: what's courts for the asbestos? He said twenty five hundred. 67 00:03:22,080 --> 00:03:23,880 Speaker 1: And I'm like, okay, that sounds good, but I don't 68 00:03:24,200 --> 00:03:26,080 Speaker 1: I didn't. I don't have a point of reference. So 69 00:03:27,000 --> 00:03:29,360 Speaker 1: you know, that's why it was concerning. And so our 70 00:03:29,400 --> 00:03:32,080 Speaker 1: project manager was like, you know, he was like, you know, 71 00:03:32,160 --> 00:03:35,000 Speaker 1: every project is different because some people have a big 72 00:03:35,040 --> 00:03:37,640 Speaker 1: asbestis like you know issue, some people have a little. 73 00:03:37,640 --> 00:03:39,680 Speaker 1: So he's like, I can't tell you because you I 74 00:03:39,720 --> 00:03:42,080 Speaker 1: don't abate asbestos, so I don't want you to get 75 00:03:42,080 --> 00:03:44,560 Speaker 1: in the habit of just taking someone and then finding 76 00:03:44,600 --> 00:03:46,280 Speaker 1: out that it was really a five hundred dollars job. 77 00:03:46,320 --> 00:03:49,240 Speaker 1: And I'm like, this is true. Huh. So it's just 78 00:03:49,280 --> 00:03:53,440 Speaker 1: annoying because you know, that part is just hard. But 79 00:03:54,240 --> 00:03:56,840 Speaker 1: you know, we're because I feel like once the asbestos 80 00:03:56,840 --> 00:04:00,080 Speaker 1: and the lead is done, we will be able to 81 00:04:00,080 --> 00:04:04,600 Speaker 1: to then we have to now find a contractor, which 82 00:04:04,640 --> 00:04:06,680 Speaker 1: I'm not nervous about it, but I'm like, oh god, 83 00:04:06,720 --> 00:04:08,800 Speaker 1: that's gonna be a task and the stuff. But at 84 00:04:08,880 --> 00:04:09,640 Speaker 1: least we're not alone. 85 00:04:10,040 --> 00:04:10,720 Speaker 3: Hello, I'm here. 86 00:04:10,760 --> 00:04:12,600 Speaker 2: I had to mute it for two seconds because some 87 00:04:12,680 --> 00:04:16,120 Speaker 2: of car alarm went off. Oh god, why is it 88 00:04:16,200 --> 00:04:19,919 Speaker 2: louder in the burbs than in the city. It's like 89 00:04:20,040 --> 00:04:26,839 Speaker 2: in my closet right now. Yeah, anyway, what's happening outside 90 00:04:26,839 --> 00:04:27,840 Speaker 2: of like home ownership? 91 00:04:30,839 --> 00:04:33,240 Speaker 1: So I am not gonna lie. I mean, I guess 92 00:04:33,279 --> 00:04:35,320 Speaker 1: because I wasn't watching it live. I mean I watched 93 00:04:35,520 --> 00:04:37,760 Speaker 1: a lot of it, and I definitely was like, Wow, 94 00:04:37,839 --> 00:04:41,440 Speaker 1: this woman is amazing. I mean she just is, you know, 95 00:04:41,920 --> 00:04:44,880 Speaker 1: just the attention to detail. And I saw this posts 96 00:04:44,880 --> 00:04:46,200 Speaker 1: and tell me what you think about it. Someone was like, 97 00:04:46,240 --> 00:04:48,120 Speaker 1: I'm so sick of tired. I'm in this entrepreneur group 98 00:04:48,320 --> 00:04:51,320 Speaker 1: on Facebook and somebody wrote, you know, you've ever seen 99 00:04:51,320 --> 00:04:53,520 Speaker 1: those memes? You have the same twenty four hours that 100 00:04:53,560 --> 00:04:54,240 Speaker 1: Beyonce has. 101 00:04:54,960 --> 00:04:56,080 Speaker 2: No, have you. 102 00:04:56,000 --> 00:04:56,680 Speaker 1: Ever seen that meme? 103 00:04:56,839 --> 00:04:57,039 Speaker 2: No? 104 00:04:58,279 --> 00:05:00,599 Speaker 1: Basically it's like get your life together. So it's just 105 00:05:00,640 --> 00:05:02,880 Speaker 1: a funny meme that people post. And so an entrepreneur 106 00:05:03,000 --> 00:05:05,760 Speaker 1: posted you, I'm so sick of those you have the 107 00:05:05,800 --> 00:05:08,120 Speaker 1: same twenty four hours as Beyonce has. She posted a 108 00:05:08,120 --> 00:05:10,720 Speaker 1: picture of Beyonce sitting like I guess and like, I 109 00:05:10,760 --> 00:05:12,480 Speaker 1: don't know, like a session where like all of these 110 00:05:12,480 --> 00:05:15,040 Speaker 1: people are like She's like, I guess, I don't know 111 00:05:15,080 --> 00:05:16,679 Speaker 1: what it is, but you could tell it's a planning session. 112 00:05:16,720 --> 00:05:18,839 Speaker 1: It's maybe like four or five people around her. And 113 00:05:18,920 --> 00:05:20,960 Speaker 1: she was like, you know, as an entrepreneur, I don't 114 00:05:20,960 --> 00:05:22,760 Speaker 1: have a team like Beyonce. I don't have the same 115 00:05:22,839 --> 00:05:25,280 Speaker 1: twenty four hours. That's not fair to say that, Like 116 00:05:25,720 --> 00:05:28,240 Speaker 1: I could be getting as much done as she is, right, 117 00:05:28,320 --> 00:05:32,520 Speaker 1: And I was like, I mean, my first, like, you know, 118 00:05:32,560 --> 00:05:34,120 Speaker 1: at first, I mean, I understand what she was saying, 119 00:05:34,120 --> 00:05:36,000 Speaker 1: but I'm also like crimea River. It wasn't like Beyonce 120 00:05:36,160 --> 00:05:39,559 Speaker 1: was born with a team, Like I think, I guess 121 00:05:39,600 --> 00:05:42,000 Speaker 1: that you have the same amount of hours as Beyonce has. 122 00:05:42,000 --> 00:05:44,840 Speaker 1: One it's tongue in cheek, and two I feel like 123 00:05:44,839 --> 00:05:46,880 Speaker 1: you're supposed to work your way up to a team. 124 00:05:47,520 --> 00:05:49,719 Speaker 1: And you know, like when I first started, it was 125 00:05:49,800 --> 00:05:51,680 Speaker 1: me for the first like four years, and then I 126 00:05:51,680 --> 00:05:54,680 Speaker 1: got some interns and then you know, I had like 127 00:05:54,880 --> 00:05:57,279 Speaker 1: ten dollars an hour to give to some poor soul 128 00:05:57,480 --> 00:05:59,719 Speaker 1: to be like my helper, and then it grew and 129 00:05:59,720 --> 00:06:02,320 Speaker 1: it grew to grow. Yeah, So I just thought, like, 130 00:06:02,320 --> 00:06:03,760 Speaker 1: I'm like, I wonder what if somebody else would think 131 00:06:03,760 --> 00:06:05,760 Speaker 1: about that that you have the same twenty four hours 132 00:06:05,760 --> 00:06:06,640 Speaker 1: that Beyonce has. 133 00:06:06,800 --> 00:06:09,719 Speaker 2: I think that's ridiculous. I mean, it wouldn't bother me 134 00:06:09,760 --> 00:06:11,839 Speaker 2: because I'm just like, oh, Beyonce's the bar I have 135 00:06:11,920 --> 00:06:13,640 Speaker 2: to meet. I'm just gonna quit life then and go 136 00:06:13,839 --> 00:06:16,240 Speaker 2: live on a beach because ain't gonna happen because of 137 00:06:16,279 --> 00:06:19,599 Speaker 2: biology out the gate working against me. I don't have 138 00:06:19,640 --> 00:06:24,159 Speaker 2: those genes or those that talent. I think you're just 139 00:06:24,279 --> 00:06:26,240 Speaker 2: I think at that point you're taking stuff a little 140 00:06:26,279 --> 00:06:28,880 Speaker 2: bit too seriously. But it does speak to like social 141 00:06:28,920 --> 00:06:31,360 Speaker 2: media and the pressure you feel when you see so 142 00:06:31,400 --> 00:06:34,680 Speaker 2: and so doing this or having this or accomplishing X 143 00:06:34,839 --> 00:06:37,440 Speaker 2: y Z, and just the pressure of all this constant, 144 00:06:38,440 --> 00:06:41,800 Speaker 2: these constant visuals of our colleagues, our friends or family 145 00:06:42,320 --> 00:06:44,839 Speaker 2: living their lives, you know, and highlighting the best of 146 00:06:44,839 --> 00:06:48,120 Speaker 2: their lives that can make you feel inadequate that I'm 147 00:06:48,160 --> 00:06:51,039 Speaker 2: all about taking a break from that. Just don't delete 148 00:06:51,040 --> 00:06:53,520 Speaker 2: your Instagram account because it'll take you two months to 149 00:06:53,560 --> 00:06:55,840 Speaker 2: get it back. As I learned, you want to take 150 00:06:55,839 --> 00:06:57,520 Speaker 2: a break, just move the app over. 151 00:06:57,720 --> 00:07:01,080 Speaker 1: I guess whenever I see your you post on Instagram, 152 00:07:01,360 --> 00:07:03,440 Speaker 1: all in advantage's just happy to be back, Like, hey. 153 00:07:03,440 --> 00:07:06,440 Speaker 2: Guys, you know Beyonce, Like whatever, I'm not mad. I mean, 154 00:07:06,480 --> 00:07:09,880 Speaker 2: Beyonce is just like she's she's just she's like, you 155 00:07:09,880 --> 00:07:12,520 Speaker 2: can't compare yourself to a superstar, you know, compare yourself 156 00:07:12,560 --> 00:07:15,320 Speaker 2: if you're an accountant to the account next to you. 157 00:07:15,320 --> 00:07:17,000 Speaker 2: You know, if Beyonce had a nine to five job 158 00:07:17,280 --> 00:07:19,680 Speaker 2: and no nanny and like, yeah, no staff, then of 159 00:07:19,720 --> 00:07:22,200 Speaker 2: course she wouldn't be accomplishing that much. But she made 160 00:07:22,200 --> 00:07:24,480 Speaker 2: some decisions early in her life, from like the age 161 00:07:24,480 --> 00:07:27,360 Speaker 2: of five that led her to where she is now. So, 162 00:07:27,960 --> 00:07:29,640 Speaker 2: you know, five, I was playing with barbies and now 163 00:07:29,640 --> 00:07:33,880 Speaker 2: I'm paying the price, and I'm okay with that exactly. 164 00:07:33,960 --> 00:07:35,960 Speaker 2: This is my life I played with. I chose barbies 165 00:07:36,000 --> 00:07:38,360 Speaker 2: instead of dance class and star search. So I guess 166 00:07:38,360 --> 00:07:39,120 Speaker 2: that's my life now. 167 00:07:40,280 --> 00:07:42,360 Speaker 1: And I don't yet and I just yeah, like you said, 168 00:07:42,360 --> 00:07:44,240 Speaker 1: I think that she was taking it really seriously. I 169 00:07:44,240 --> 00:07:47,080 Speaker 1: don't know, maybe she just got pissed and also too that, 170 00:07:47,400 --> 00:07:50,320 Speaker 1: you know, one, everyone doesn't want Beyonce's life like that, 171 00:07:50,440 --> 00:07:52,840 Speaker 1: quite honestly, I don't want that like it's it's it 172 00:07:52,920 --> 00:07:55,080 Speaker 1: seems like a lot of pressure and a lot more 173 00:07:55,080 --> 00:07:57,200 Speaker 1: work than I'm willing to put in a lot of 174 00:07:57,240 --> 00:07:59,440 Speaker 1: time away, you know, and not to say that life. 175 00:07:59,600 --> 00:08:01,200 Speaker 1: You know, it's seems cool. 176 00:08:01,280 --> 00:08:02,200 Speaker 3: So much pressure. 177 00:08:02,680 --> 00:08:05,440 Speaker 1: Yeah, I don't want that. Like I it's enough pressure 178 00:08:05,600 --> 00:08:10,040 Speaker 1: being the budgeteesa in Newark. I didn't even imagine like 179 00:08:10,080 --> 00:08:13,080 Speaker 1: baby Beyonce for the world. So yeah, I'm just like. 180 00:08:13,080 --> 00:08:25,320 Speaker 3: Oh, girl, let's just jump into brown breaks. Yes? Why wait? 181 00:08:25,400 --> 00:08:26,400 Speaker 2: Why keep the people waiting? 182 00:08:26,680 --> 00:08:28,720 Speaker 1: Yes? So let's brown break by brown break. It's going 183 00:08:28,800 --> 00:08:32,280 Speaker 1: to be not Facebook groups as a whole, but Facebook 184 00:08:32,280 --> 00:08:36,559 Speaker 1: groups that where members take themselves entirely too seriously. You're like, girl, 185 00:08:36,679 --> 00:08:39,640 Speaker 1: like I actually left all my vegan groups. I don't 186 00:08:39,720 --> 00:08:42,320 Speaker 1: know anybody any group of people that is more judgmental 187 00:08:42,360 --> 00:08:44,120 Speaker 1: than a vegan I'm not mean. 188 00:08:44,040 --> 00:08:46,960 Speaker 2: What either so angry? 189 00:08:47,160 --> 00:08:49,920 Speaker 1: I'm like from people who don't eat me and love animals, 190 00:08:49,920 --> 00:08:53,640 Speaker 1: you really hate people like I. There's literally I was 191 00:08:53,679 --> 00:08:55,720 Speaker 1: following vegan accounts. You really trying to, like, you know, 192 00:08:56,040 --> 00:08:58,200 Speaker 1: figure out this who vegan lifestyle and I found that, 193 00:08:58,320 --> 00:09:01,360 Speaker 1: Like it'll be like somebody will something like hey, somebody 194 00:09:01,360 --> 00:09:03,679 Speaker 1: today at work said, hey, I notice you don't eat 195 00:09:03,720 --> 00:09:05,640 Speaker 1: me meat, and I told her to leave me the 196 00:09:05,760 --> 00:09:10,560 Speaker 1: heck alone. I'm like, girl, but they'll be like, people 197 00:09:10,600 --> 00:09:14,200 Speaker 1: are so concerned about my meat they need to worry about, 198 00:09:14,240 --> 00:09:16,480 Speaker 1: like the poison they're putting in their bodies. There's just 199 00:09:16,520 --> 00:09:18,520 Speaker 1: so much aggression, and I'm like, where is this coming 200 00:09:18,559 --> 00:09:21,480 Speaker 1: from the vegetables you're eating? But yeah, I feel like, 201 00:09:21,640 --> 00:09:22,280 Speaker 1: isn't hungry? 202 00:09:23,720 --> 00:09:23,920 Speaker 3: Yeah? 203 00:09:26,120 --> 00:09:30,280 Speaker 1: Yes, honestly, yeah, I just I yes, I'm bron breaking 204 00:09:30,360 --> 00:09:34,040 Speaker 1: from angry Facebook groups, especially the vegan groups. I literally 205 00:09:34,120 --> 00:09:36,480 Speaker 1: left all of them because it was just too much. 206 00:09:36,520 --> 00:09:38,880 Speaker 1: I'm like, girl, just don't eat to meat. I can 207 00:09:38,920 --> 00:09:41,680 Speaker 1: honestly say, nobody cares. Like I have not met anyone 208 00:09:41,720 --> 00:09:43,559 Speaker 1: who was like, like, my mom is so cute. I 209 00:09:43,600 --> 00:09:46,439 Speaker 1: told her I was vegan and she's like, okay, so 210 00:09:46,480 --> 00:09:49,000 Speaker 1: she made me like a salad with like the weirdest elements. 211 00:09:49,000 --> 00:09:50,640 Speaker 1: I'm like, mommy, what is in this salad? She's like, 212 00:09:50,679 --> 00:09:52,480 Speaker 1: I don't know. You said you don't eat meat, so 213 00:09:52,600 --> 00:09:57,480 Speaker 1: I want you to. But nobody, nobody is has come 214 00:09:57,480 --> 00:09:59,439 Speaker 1: for me. No one has said what are you doing 215 00:09:59,480 --> 00:10:01,840 Speaker 1: with your life? No one? So I'm like, I feel 216 00:10:01,840 --> 00:10:03,400 Speaker 1: like a lot of beacons are making that up that 217 00:10:03,440 --> 00:10:07,000 Speaker 1: most people don't care. And I still make food for 218 00:10:07,320 --> 00:10:10,400 Speaker 1: my husband and my bonus daughter, and sometimes it's meat, 219 00:10:10,440 --> 00:10:12,640 Speaker 1: and sometimes I find really great things that don't have me, 220 00:10:12,720 --> 00:10:14,400 Speaker 1: and they don't mind as long as it tastes good. 221 00:10:14,800 --> 00:10:19,680 Speaker 1: But yeah, definitely roundbreaking from all of that high unnecessary energy. 222 00:10:19,960 --> 00:10:21,280 Speaker 1: What do you break it? What are you boosting? 223 00:10:21,679 --> 00:10:24,679 Speaker 2: I was just going on a rant to Husby earlier 224 00:10:24,720 --> 00:10:28,160 Speaker 2: on the way home from work about immediately the cost 225 00:10:28,200 --> 00:10:31,960 Speaker 2: of home ownership, which I anticipated obviously all the repairs 226 00:10:31,960 --> 00:10:35,520 Speaker 2: and stuff. But our commute, I cannot even sugarcoat it. 227 00:10:35,559 --> 00:10:37,800 Speaker 2: Our commute is way more expensive than it's ever been 228 00:10:38,280 --> 00:10:40,440 Speaker 2: because we now live in the suburbs of New York 229 00:10:40,440 --> 00:10:44,080 Speaker 2: City and you pay for a different train line now, 230 00:10:44,160 --> 00:10:46,920 Speaker 2: and my costs went from eighty nine dollars a month 231 00:10:47,360 --> 00:10:50,920 Speaker 2: on Jersey Path train transit to per person two hundred 232 00:10:50,920 --> 00:10:55,960 Speaker 2: and seventy dollars for a monthly train pass, which is 233 00:10:56,120 --> 00:10:58,439 Speaker 2: just I mean, that's you know, one thing, and I 234 00:10:58,480 --> 00:11:02,360 Speaker 2: have thankfully used up by transit benefit, which I it's 235 00:11:02,400 --> 00:11:04,439 Speaker 2: a benefit you can sometimes get through work where you 236 00:11:04,480 --> 00:11:08,080 Speaker 2: can put pre tax dollars aside. Okay, oh okay, which 237 00:11:08,120 --> 00:11:10,560 Speaker 2: is nice. So I'm saving whatever my tax rate is 238 00:11:10,600 --> 00:11:13,600 Speaker 2: like twenty something percent, who knows, there's like seventeen of 239 00:11:13,640 --> 00:11:17,240 Speaker 2: them now, so you're putting in pre tax dollars and 240 00:11:17,240 --> 00:11:19,000 Speaker 2: then you get a debit card and you can use 241 00:11:19,040 --> 00:11:22,840 Speaker 2: that card to pay for your ticket, which which is nice. 242 00:11:22,880 --> 00:11:24,800 Speaker 2: So it's not like I'm feeling the hit to my 243 00:11:24,880 --> 00:11:27,240 Speaker 2: credit card or my debit account because I'm just swiping 244 00:11:27,280 --> 00:11:29,520 Speaker 2: that card. It's money I've already had set aside from 245 00:11:29,559 --> 00:11:32,040 Speaker 2: my paycheck, the same way you set aside money for 246 00:11:32,080 --> 00:11:35,600 Speaker 2: like an FSA card flex savings account for health care needs. 247 00:11:35,679 --> 00:11:38,199 Speaker 2: So but yeah, two seventy times too, that's like five 248 00:11:38,320 --> 00:11:39,200 Speaker 2: hundred and I'm just. 249 00:11:39,080 --> 00:11:39,640 Speaker 3: Doing the math. 250 00:11:39,640 --> 00:11:41,120 Speaker 2: I'm like, damn, we don't Thank god, we don't have 251 00:11:41,160 --> 00:11:44,120 Speaker 2: a car payment because our car is paid off, so 252 00:11:44,120 --> 00:11:46,920 Speaker 2: it's not so that expense we have to kind of 253 00:11:46,960 --> 00:11:51,199 Speaker 2: factor into our budget now. And then I can walk 254 00:11:51,320 --> 00:11:54,280 Speaker 2: from the train when I get to the city, or 255 00:11:54,320 --> 00:11:56,480 Speaker 2: I can take a city bike, which is the great 256 00:11:56,640 --> 00:11:59,480 Speaker 2: bike share program that we have, but that's an additional 257 00:11:59,559 --> 00:12:02,200 Speaker 2: like on no, twelve bucks a month, not that much more. 258 00:12:02,240 --> 00:12:05,920 Speaker 2: But again, like my commute has gone from has basically tripled. 259 00:12:07,400 --> 00:12:09,880 Speaker 2: But then of course my husband is like, well, we 260 00:12:09,920 --> 00:12:11,480 Speaker 2: get a yard, and we get this, we get that, 261 00:12:11,559 --> 00:12:15,319 Speaker 2: and meda. It's just pros and cons. But yeah, I'm 262 00:12:15,360 --> 00:12:17,880 Speaker 2: already thinking like, damn, man, that's like tickets to a 263 00:12:17,920 --> 00:12:23,440 Speaker 2: Broadway show or half a refrigerator. I don't know, everything 264 00:12:23,480 --> 00:12:24,440 Speaker 2: seems like an appliance. 265 00:12:24,480 --> 00:12:28,800 Speaker 1: Now, yeah, don't you think it that way. I totally 266 00:12:28,840 --> 00:12:31,880 Speaker 1: think my friend is like my best friend in and 267 00:12:31,960 --> 00:12:33,720 Speaker 1: like a group of like other couples are all going 268 00:12:33,760 --> 00:12:35,560 Speaker 1: to Cuba, and she's like, you want to go? I 269 00:12:35,600 --> 00:12:37,240 Speaker 1: was like, ah man, no, I got to do the bathroom. 270 00:12:39,080 --> 00:12:42,120 Speaker 1: Everything is yeah, ah man, those are counters. I wish 271 00:12:42,160 --> 00:12:44,800 Speaker 1: I could go everything I think of. She's like, really, 272 00:12:45,360 --> 00:12:47,520 Speaker 1: I'm like, honestly, like by the time we get the 273 00:12:47,559 --> 00:12:50,160 Speaker 1: flight and they she rented like a really big house 274 00:12:50,240 --> 00:12:53,160 Speaker 1: and all of that. Honestly, it's gonna be probably a 275 00:12:53,160 --> 00:12:55,800 Speaker 1: few thousand dollars between the two of us. And I'm like, honestly, 276 00:12:55,960 --> 00:12:58,680 Speaker 1: that's literally like the difference between the towns that I 277 00:12:58,720 --> 00:13:00,600 Speaker 1: want in a towe. But you know. 278 00:13:02,080 --> 00:13:05,440 Speaker 2: What I'm what I'm really, what I'm really glad about 279 00:13:05,520 --> 00:13:08,160 Speaker 2: is that I pre paid for and pre planned a 280 00:13:08,200 --> 00:13:10,480 Speaker 2: couple of things. Like this week, I have two Broadway 281 00:13:10,520 --> 00:13:12,120 Speaker 2: shows I'm going to because I booked them and paid 282 00:13:12,120 --> 00:13:14,840 Speaker 2: for them like months ago. And I have a vacation, 283 00:13:15,080 --> 00:13:17,480 Speaker 2: well a three day vacation that we're taking in May 284 00:13:17,920 --> 00:13:21,559 Speaker 2: for a wedding to Puntakana, Go Maria, Dominican. You get 285 00:13:21,600 --> 00:13:23,160 Speaker 2: to go to dr all the time for weddings. 286 00:13:23,200 --> 00:13:23,680 Speaker 3: It's great. 287 00:13:25,120 --> 00:13:27,760 Speaker 2: So I have that coming up, which is nice, But 288 00:13:28,080 --> 00:13:29,839 Speaker 2: other than that, I'm like, oh God, what else did 289 00:13:29,840 --> 00:13:32,680 Speaker 2: I pre planned I can look forward to, because yeah, 290 00:13:32,720 --> 00:13:33,960 Speaker 2: I don't. I just don't want to get to a 291 00:13:34,000 --> 00:13:36,400 Speaker 2: place where the house and I don't think that we will. 292 00:13:37,200 --> 00:13:39,160 Speaker 2: I think we're we're both in the same page about 293 00:13:39,200 --> 00:13:43,040 Speaker 2: budgeting for that kind of thing, thank god, because neither 294 00:13:43,080 --> 00:13:45,360 Speaker 2: of us wants to become, like get in a situation 295 00:13:45,400 --> 00:13:48,000 Speaker 2: where we're spending way too much on you know, repairs, 296 00:13:48,040 --> 00:13:50,640 Speaker 2: that our entire life is just one big, like the 297 00:13:50,760 --> 00:13:54,360 Speaker 2: never ending, you know, expensive home improvement project. Like we 298 00:13:54,520 --> 00:13:57,280 Speaker 2: just want to do things quickly and you know, do 299 00:13:57,320 --> 00:13:58,679 Speaker 2: what we need to do to make the house what 300 00:13:58,800 --> 00:14:00,720 Speaker 2: we want it and then move on with our lives, 301 00:14:00,720 --> 00:14:04,840 Speaker 2: hopefully keeping aside some money for the you know, the 302 00:14:04,920 --> 00:14:07,640 Speaker 2: everyday repair you know, like a little house, like a 303 00:14:07,640 --> 00:14:10,240 Speaker 2: little house ready day fund, separate from our personal ready 304 00:14:10,280 --> 00:14:13,200 Speaker 2: day fund, like that I want to be prepared for. 305 00:14:13,320 --> 00:14:16,360 Speaker 2: But I can't live in a home improvement project for months. 306 00:14:16,360 --> 00:14:17,720 Speaker 2: I can't do it. I need to live. 307 00:14:18,640 --> 00:14:21,240 Speaker 1: Yeah, I never you know, I've never done a home improvement. 308 00:14:21,280 --> 00:14:24,720 Speaker 1: That's why we were like, we're not moving until this 309 00:14:24,800 --> 00:14:27,320 Speaker 1: place is mostly done, because I just can't even. I 310 00:14:27,440 --> 00:14:30,680 Speaker 1: just you hear just too many horror stories and because 311 00:14:30,720 --> 00:14:33,800 Speaker 1: we're literally doing so many things where we're not doing 312 00:14:33,920 --> 00:14:36,800 Speaker 1: like major constructions just in the bathroom, but in the kitchen, 313 00:14:36,840 --> 00:14:39,200 Speaker 1: but like I want to refinish the floors and repaint 314 00:14:39,240 --> 00:14:41,440 Speaker 1: here and da da da da. And I was just like, 315 00:14:41,480 --> 00:14:44,520 Speaker 1: I just can't imagine because I wanted be impossible. I 316 00:14:44,560 --> 00:14:47,200 Speaker 1: work from home largely. That's one good thing I'm excited 317 00:14:47,200 --> 00:14:49,760 Speaker 1: about is like dropping the pretense of my office that 318 00:14:49,800 --> 00:14:50,360 Speaker 1: I never go to. 319 00:14:50,880 --> 00:14:54,000 Speaker 2: Yeah, get rid of that that you're still paying for. 320 00:14:54,640 --> 00:14:56,080 Speaker 1: I you know. So what I decided is like I'm 321 00:14:56,080 --> 00:14:58,200 Speaker 1: going to offer my sweet mate, Drina, who's also my 322 00:14:58,240 --> 00:14:59,680 Speaker 1: public is like fifty bucks a month so I can 323 00:14:59,720 --> 00:15:04,000 Speaker 1: still get my mail there and just be like, which 324 00:15:04,040 --> 00:15:06,160 Speaker 1: is basically what I do now, and just be like, 325 00:15:06,160 --> 00:15:08,120 Speaker 1: because you know, I don't want like my professional mail 326 00:15:08,120 --> 00:15:10,320 Speaker 1: to come to my house and people to like show 327 00:15:10,360 --> 00:15:11,520 Speaker 1: up in the middle of the night. So I'm like 328 00:15:11,560 --> 00:15:13,720 Speaker 1: I just want to be like, hey, here's fifty bucks. 329 00:15:13,760 --> 00:15:15,040 Speaker 1: Let me just skip my mail. 330 00:15:16,080 --> 00:15:19,200 Speaker 2: Or you can get a box. Yeah, I know that's 331 00:15:19,240 --> 00:15:19,960 Speaker 2: about the same rate. 332 00:15:20,000 --> 00:15:22,600 Speaker 1: I guess, yeah probably, But it's nice to be like, hey, 333 00:15:22,640 --> 00:15:40,200 Speaker 1: I have office, I'm official. Yeah, right, exactly. Man, Well, 334 00:15:40,520 --> 00:15:42,040 Speaker 1: do we have any questions? 335 00:15:42,680 --> 00:15:45,160 Speaker 2: We do have some good questions. If you guys want 336 00:15:45,160 --> 00:15:46,640 Speaker 2: to send us a question, hit us up at Bran 337 00:15:46,720 --> 00:15:51,960 Speaker 2: and Brown Ambition Podcast. Let me do that again. If 338 00:15:51,960 --> 00:15:53,960 Speaker 2: you guys have any questions, hit us up at Brown 339 00:15:54,000 --> 00:15:59,440 Speaker 2: Ambition podcast dot com. Oh you did it, yeah and 340 00:15:59,560 --> 00:16:01,880 Speaker 2: click ask us anything, or you can email us directly 341 00:16:01,880 --> 00:16:06,240 Speaker 2: at Brand Ambition Podcast at gmail dot com. Now we 342 00:16:06,320 --> 00:16:08,440 Speaker 2: have a few questions. I think we might get through these. 343 00:16:08,480 --> 00:16:10,720 Speaker 2: Some of these are simple from a few listeners. And 344 00:16:10,760 --> 00:16:13,560 Speaker 2: thank you guys again for all of your amazing questions 345 00:16:13,560 --> 00:16:15,320 Speaker 2: and not just your questions. You guys take the time 346 00:16:15,360 --> 00:16:18,440 Speaker 2: to send so many sweet notes and Instagram comments and 347 00:16:18,480 --> 00:16:20,880 Speaker 2: Twitter comments and all that, so thank you for that. 348 00:16:21,160 --> 00:16:23,600 Speaker 2: If you haven't yet, definitely go to iTunes and leave 349 00:16:23,640 --> 00:16:26,120 Speaker 2: us a review. Let the world know what you think, 350 00:16:26,880 --> 00:16:30,560 Speaker 2: because those reviews are really important in terms of how 351 00:16:30,640 --> 00:16:33,680 Speaker 2: people can find our shows on iTunes and very little 352 00:16:33,680 --> 00:16:37,560 Speaker 2: bit help. So thank you guys. Our first question, let's 353 00:16:37,560 --> 00:16:39,520 Speaker 2: do an easy one first. This one comes from Yo 354 00:16:39,600 --> 00:16:42,840 Speaker 2: Maida or it's either Yo Maria, which I love, or 355 00:16:42,960 --> 00:16:47,640 Speaker 2: is Yo Madia. She says, Mandy, my husband and I 356 00:16:47,760 --> 00:16:49,520 Speaker 2: need your financial planner desperately. 357 00:16:49,880 --> 00:16:52,040 Speaker 1: I know Yomaida. Oh my god, you chose her. She 358 00:16:52,120 --> 00:16:55,520 Speaker 1: used Omiyda sweet. That's like she's like my mentee. Oh 359 00:16:55,520 --> 00:16:57,440 Speaker 1: my gosh. 360 00:16:58,280 --> 00:16:58,680 Speaker 3: I don't know. 361 00:16:59,240 --> 00:17:04,040 Speaker 2: Oh, maybe this is a personal email. I'm gonna read it. 362 00:17:04,080 --> 00:17:04,320 Speaker 1: Girl. 363 00:17:04,359 --> 00:17:05,040 Speaker 3: We outed you. 364 00:17:07,200 --> 00:17:10,760 Speaker 2: Amia, So it is Eomida? Yes, okay. We view money 365 00:17:10,760 --> 00:17:13,560 Speaker 2: goals two different ways. And he is tripping, so before 366 00:17:13,600 --> 00:17:20,119 Speaker 2: I strangle him, help, before I strangle him help. We 367 00:17:20,200 --> 00:17:23,040 Speaker 2: have home renovations and a European trip coming up, and 368 00:17:23,080 --> 00:17:24,879 Speaker 2: he is on my last nerve. And that's where the 369 00:17:24,880 --> 00:17:29,920 Speaker 2: email ends. I can feel the desperation, so I don't wanna. 370 00:17:30,080 --> 00:17:32,000 Speaker 2: I don't I would say here. So what I'll say 371 00:17:32,040 --> 00:17:36,320 Speaker 2: is I found my financial planner through x Y Planning Network, 372 00:17:36,480 --> 00:17:39,560 Speaker 2: which is a network of fee only financial planners who 373 00:17:39,560 --> 00:17:44,119 Speaker 2: typically work with Generation X Generation Y individuals and couples. 374 00:17:44,119 --> 00:17:46,639 Speaker 2: A lot of them specialize in couples and relationships. So 375 00:17:46,960 --> 00:17:48,960 Speaker 2: I highly recommend going through that. And what I did 376 00:17:48,960 --> 00:17:52,040 Speaker 2: from there is I found three or four different financial 377 00:17:52,040 --> 00:17:55,199 Speaker 2: planners and I interviewed them so I had, like a 378 00:17:55,600 --> 00:17:57,639 Speaker 2: many of them do like a free consultation and you 379 00:17:57,760 --> 00:17:59,879 Speaker 2: and it's all about learning about their fees and all 380 00:18:00,080 --> 00:18:02,080 Speaker 2: so getting a sense of whether you like them or not. 381 00:18:03,119 --> 00:18:04,800 Speaker 2: And that's how we chose the planner we went with. 382 00:18:04,920 --> 00:18:08,320 Speaker 2: And I actually work with a planner. We don't use her. 383 00:18:08,840 --> 00:18:12,480 Speaker 2: We don't use this planner. We were using her every month, 384 00:18:12,520 --> 00:18:14,320 Speaker 2: like monthly, for a year. And that was the year 385 00:18:14,359 --> 00:18:16,120 Speaker 2: when we were playing the wedding and we were IVI 386 00:18:16,160 --> 00:18:18,200 Speaker 2: was swooping jobs and figuring out what to do with 387 00:18:18,240 --> 00:18:20,639 Speaker 2: equity and all this kind of stuff. So it was 388 00:18:20,640 --> 00:18:22,439 Speaker 2: really important to have her for that year. And then 389 00:18:22,480 --> 00:18:24,959 Speaker 2: we slowed down now to just once every six months. 390 00:18:26,320 --> 00:18:28,440 Speaker 2: And she works for like we work with her remotely. 391 00:18:28,480 --> 00:18:30,880 Speaker 2: She's based in Atlanta, and I haven't had any issues 392 00:18:30,920 --> 00:18:33,919 Speaker 2: with it being you know, from a different state. And 393 00:18:33,960 --> 00:18:37,880 Speaker 2: I think you might even find more affordable rates if 394 00:18:37,920 --> 00:18:41,440 Speaker 2: you live in a high cost state like New York City. 395 00:18:41,600 --> 00:18:43,480 Speaker 2: I found that her rates were a lot more reasonable 396 00:18:43,480 --> 00:18:46,240 Speaker 2: for the same amount of work. So x Y planning, 397 00:18:46,280 --> 00:18:49,080 Speaker 2: and there's another. I think that's the main one I 398 00:18:49,119 --> 00:18:52,520 Speaker 2: think of when I when I refer people to fee 399 00:18:52,640 --> 00:18:55,560 Speaker 2: only financial planner networks. And then you have like the 400 00:18:55,600 --> 00:18:58,720 Speaker 2: mother of all places to go to, which is the 401 00:18:58,800 --> 00:19:03,439 Speaker 2: National Association of Personal Financial Advisors. All right, So hopefully 402 00:19:03,480 --> 00:19:05,640 Speaker 2: that was helpful to you. And yeah, and I'll ask 403 00:19:05,680 --> 00:19:07,560 Speaker 2: my financial planner if she's if she doesn't mind, I'm 404 00:19:07,560 --> 00:19:10,480 Speaker 2: sure she won't mind. But there's so many great ones 405 00:19:10,480 --> 00:19:12,840 Speaker 2: on xby planning and everyone's different, so I don't want 406 00:19:12,880 --> 00:19:14,919 Speaker 2: anyone email me be like, hey, girl, you said that 407 00:19:15,200 --> 00:19:19,840 Speaker 2: she may you know, I feel you get your own, Okay. 408 00:19:20,600 --> 00:19:23,080 Speaker 2: And this one's from Anonymous, So uh, this is an 409 00:19:23,080 --> 00:19:26,080 Speaker 2: interesting question. This is about debt consolidation. I like this 410 00:19:26,160 --> 00:19:29,199 Speaker 2: question a lot. Anonymous says, first of all, I love 411 00:19:29,240 --> 00:19:32,119 Speaker 2: the podcast, Thank you very much. I have a loan 412 00:19:32,280 --> 00:19:35,840 Speaker 2: that I refinanced recently. Initially it was a car loan, 413 00:19:36,440 --> 00:19:39,200 Speaker 2: So once I refinanced it, I added my credit card 414 00:19:39,200 --> 00:19:41,760 Speaker 2: debt to it as well. So she's taken her auto 415 00:19:41,800 --> 00:19:44,320 Speaker 2: debt and credit card debt and consolidated it into one 416 00:19:44,400 --> 00:19:47,399 Speaker 2: loan with a new interest rate of four point seventy 417 00:19:47,400 --> 00:19:51,679 Speaker 2: four percent. Right now, the loan balance is at ten dollars. 418 00:19:52,560 --> 00:19:55,360 Speaker 2: In addition to that loan balance, she has also said 419 00:19:55,400 --> 00:19:58,320 Speaker 2: that she's managed to rack up about two thousand dollars 420 00:19:58,760 --> 00:20:04,040 Speaker 2: on oither on other active credit cards. Currently, she says, 421 00:20:04,240 --> 00:20:06,640 Speaker 2: I have a health credit card a little under five 422 00:20:06,680 --> 00:20:11,159 Speaker 2: thousand dollars that will start charging me interest this coming November. 423 00:20:11,680 --> 00:20:14,119 Speaker 2: Should I add this health credit card balance to my 424 00:20:14,240 --> 00:20:18,840 Speaker 2: current consolidated loan or take the money to pay off 425 00:20:18,840 --> 00:20:22,840 Speaker 2: this credit card out of my retirement account? Please help? 426 00:20:24,160 --> 00:20:26,920 Speaker 2: So lots of stuff happening here. 427 00:20:27,760 --> 00:20:29,359 Speaker 1: Does the health credit card that she give the interest 428 00:20:29,440 --> 00:20:30,520 Speaker 1: rate for the health credit. 429 00:20:30,280 --> 00:20:32,520 Speaker 2: Card so she's zero percent. She doesn't give what the 430 00:20:32,720 --> 00:20:34,760 Speaker 2: if it's the credit card I'm thinking of, because there's 431 00:20:34,760 --> 00:20:38,560 Speaker 2: the main The care Credit is one of the biggest 432 00:20:38,720 --> 00:20:41,400 Speaker 2: healthcare credit cards out there, so I'll use that as 433 00:20:41,440 --> 00:20:44,960 Speaker 2: an example. They often do these zero percent intro aprs 434 00:20:45,000 --> 00:20:47,719 Speaker 2: for six months, twelve months, eighteen months, depending on how 435 00:20:47,760 --> 00:20:50,480 Speaker 2: much you're putting on the card. The tricky thing with 436 00:20:50,560 --> 00:20:54,600 Speaker 2: care Credit is that after that period ends, not only 437 00:20:54,600 --> 00:20:58,040 Speaker 2: do they start charging you an interest rate, sometimes they 438 00:20:58,080 --> 00:21:01,120 Speaker 2: have a deferred interest clause, means that if you don't 439 00:21:01,160 --> 00:21:04,400 Speaker 2: actually pay off every penny of that debt. They're going 440 00:21:04,440 --> 00:21:06,840 Speaker 2: to actually charge you for all the interests you would 441 00:21:06,880 --> 00:21:09,280 Speaker 2: have owed if they had been charging interest from the beginning. 442 00:21:09,920 --> 00:21:12,840 Speaker 2: So that's a nasty surprise for a lot of people 443 00:21:13,480 --> 00:21:15,320 Speaker 2: who may not realize that when they see that zero 444 00:21:15,320 --> 00:21:17,520 Speaker 2: percent interest. So I think it's good that you're thinking 445 00:21:17,560 --> 00:21:20,320 Speaker 2: ahead because you know you have until December when that 446 00:21:20,400 --> 00:21:23,080 Speaker 2: zero percent interest changes. But it made you need to 447 00:21:23,119 --> 00:21:25,119 Speaker 2: read the fine print and see if there's a deferred 448 00:21:25,119 --> 00:21:27,639 Speaker 2: interest clause as well, because if there is, you're not 449 00:21:27,720 --> 00:21:30,560 Speaker 2: just worried about getting charged interest you're getting, you're worried 450 00:21:30,560 --> 00:21:34,880 Speaker 2: about getting charged back interest for all this time. So 451 00:21:34,960 --> 00:21:37,480 Speaker 2: I think it's it's smart you don't. I mean, I 452 00:21:37,680 --> 00:21:39,800 Speaker 2: would say, you know, continue trying to pay it down, 453 00:21:39,840 --> 00:21:42,880 Speaker 2: but look to consolidate it before you get to that 454 00:21:43,080 --> 00:21:47,919 Speaker 2: November mark and figure out what's like. What's really worrying 455 00:21:47,960 --> 00:21:50,480 Speaker 2: me is that she's consolidated, and this can happen with 456 00:21:50,560 --> 00:21:52,600 Speaker 2: a lot of people. You consolidate your debt and then 457 00:21:52,640 --> 00:21:55,440 Speaker 2: you feel comfortable like, oh, I have a new loan, 458 00:21:55,920 --> 00:21:58,520 Speaker 2: it's only four percent. I'm going to go ahead and 459 00:21:58,560 --> 00:22:01,040 Speaker 2: start adding, you know, racking up some debt on these 460 00:22:01,040 --> 00:22:04,560 Speaker 2: other credit cards because I feel better about myself or 461 00:22:04,600 --> 00:22:07,159 Speaker 2: like I feel more comfortable with my debt load, but 462 00:22:08,000 --> 00:22:10,000 Speaker 2: you still have the same amount of debt. You know, 463 00:22:10,520 --> 00:22:12,720 Speaker 2: maybe you bought yourself a little bit more time, and 464 00:22:12,760 --> 00:22:15,560 Speaker 2: of course you're spending less on interest. But the fact 465 00:22:15,560 --> 00:22:18,320 Speaker 2: that she's already put two thousand on other credit cards, 466 00:22:18,680 --> 00:22:21,879 Speaker 2: she's put a close to five thousand dollars on this 467 00:22:21,920 --> 00:22:26,080 Speaker 2: health credit card already, there may be just a larger 468 00:22:26,119 --> 00:22:30,680 Speaker 2: issue here. Not having enough savings obviously to cover expenses 469 00:22:30,720 --> 00:22:33,280 Speaker 2: you can afford, or maybe living beyond your means a 470 00:22:33,320 --> 00:22:33,639 Speaker 2: little bit. 471 00:22:34,280 --> 00:22:37,280 Speaker 1: Yeah, I would just say, like, I mean, I'm somebody 472 00:22:37,320 --> 00:22:39,760 Speaker 1: who took from my retirement account, but I honestly don't 473 00:22:39,760 --> 00:22:42,960 Speaker 1: recommend it because I'm like just now starting to catch 474 00:22:43,000 --> 00:22:45,639 Speaker 1: up and I was scared I wasn't going to be 475 00:22:45,680 --> 00:22:48,040 Speaker 1: able to. And you don't want to put yourself in 476 00:22:48,080 --> 00:22:51,520 Speaker 1: the position that, you know, when it's time to retire, 477 00:22:51,880 --> 00:22:54,199 Speaker 1: you don't feel like you can stop working because you 478 00:22:54,240 --> 00:22:56,800 Speaker 1: just don't have enough to support yourself. So that's a 479 00:22:56,840 --> 00:23:02,720 Speaker 1: short term problem to a long term like a long 480 00:23:02,800 --> 00:23:05,600 Speaker 1: term life, you know. So no, I would try to 481 00:23:05,640 --> 00:23:08,920 Speaker 1: get your spending it's under control as possible. Like Mandy said, 482 00:23:08,920 --> 00:23:12,639 Speaker 1: definitely pay off the the because if you have a 483 00:23:12,720 --> 00:23:14,320 Speaker 1: zero percent I would not want to switch to zero 484 00:23:14,400 --> 00:23:17,439 Speaker 1: to four percent until I absolutely had to exactly enough, 485 00:23:17,480 --> 00:23:19,520 Speaker 1: because then you'll you're literally going to be paying extra 486 00:23:19,560 --> 00:23:21,960 Speaker 1: money four percent for nothing, you know, because when you 487 00:23:21,960 --> 00:23:25,160 Speaker 1: could just pay the principle directly. So yeah, I would 488 00:23:25,240 --> 00:23:27,240 Speaker 1: wait and maybe like a month before. If you're not done, 489 00:23:27,440 --> 00:23:28,640 Speaker 1: then roll it on over. 490 00:23:29,080 --> 00:23:31,159 Speaker 2: And definitely read that fine print to see if you 491 00:23:31,200 --> 00:23:36,480 Speaker 2: have that deferred interest clause. Yeah, thanks, and work to 492 00:23:36,520 --> 00:23:38,160 Speaker 2: pay it off as soon as you can. Do whatever 493 00:23:38,200 --> 00:23:41,800 Speaker 2: you can to not to not rack up more credit 494 00:23:41,880 --> 00:23:45,120 Speaker 2: card debt, because yeah, some people will roll. And this 495 00:23:45,160 --> 00:23:46,879 Speaker 2: is a good tip for people to know if you have. 496 00:23:47,040 --> 00:23:49,639 Speaker 2: One of the questions I got recently, I did a 497 00:23:49,880 --> 00:23:52,520 Speaker 2: we do a lecture at Brooklyn College a couple times 498 00:23:52,560 --> 00:23:53,840 Speaker 2: a year. I just went down there. One of the 499 00:23:53,880 --> 00:23:56,720 Speaker 2: questions I got from someone was, I did a balance 500 00:23:56,720 --> 00:23:59,879 Speaker 2: transfer recently and it's coming up on the time when 501 00:24:00,119 --> 00:24:03,199 Speaker 2: zero percent interest rate period ends, the promotional rate ends. 502 00:24:03,240 --> 00:24:05,400 Speaker 2: What should I do because I still have money left 503 00:24:05,440 --> 00:24:07,240 Speaker 2: in the card. And I said, a lot of times 504 00:24:07,280 --> 00:24:10,359 Speaker 2: people will do a new balance transfer. Now you can't. 505 00:24:10,560 --> 00:24:12,320 Speaker 2: You can only do that for so long because you 506 00:24:12,359 --> 00:24:15,280 Speaker 2: can't transfer the same bank to the same bank, so 507 00:24:15,320 --> 00:24:18,760 Speaker 2: you have to keep finding new offers, but getting ahead 508 00:24:18,800 --> 00:24:22,280 Speaker 2: of it and like proactively transferring a balance to a 509 00:24:22,320 --> 00:24:25,680 Speaker 2: new balance transfer offers. It's one option, but you don't 510 00:24:25,680 --> 00:24:28,280 Speaker 2: want to keep chasing balance transfer offers forever. You need 511 00:24:28,320 --> 00:24:31,359 Speaker 2: to eventually be aggressive about paying this debt down. Yep, 512 00:24:31,600 --> 00:24:33,760 Speaker 2: and at four percent you're doing well. It's a lot 513 00:24:33,760 --> 00:24:35,800 Speaker 2: better than credit cards. But take this time to really 514 00:24:35,840 --> 00:24:40,720 Speaker 2: aggressively attack it. Don't like sit back and relax. Hope 515 00:24:40,720 --> 00:24:43,120 Speaker 2: I'm not coming across two judge, because I know things 516 00:24:43,160 --> 00:24:47,119 Speaker 2: can happen and health care costs are insane, But just 517 00:24:47,680 --> 00:24:49,720 Speaker 2: keep in mind what to watch out for anyone listening 518 00:24:49,760 --> 00:24:52,560 Speaker 2: when you look at those health credit cards, especially with 519 00:24:53,040 --> 00:24:55,080 Speaker 2: that deferred interest clause, because it's in there a lot 520 00:24:55,080 --> 00:24:56,320 Speaker 2: of times. So watch out for that. 521 00:24:56,760 --> 00:24:58,520 Speaker 1: Because I definitely did that when I had I had 522 00:24:58,520 --> 00:25:00,760 Speaker 1: to get dental work done, but I didn't have like 523 00:25:00,880 --> 00:25:02,800 Speaker 1: really any insurance and they're like, oh, I don't worry. 524 00:25:02,840 --> 00:25:04,919 Speaker 1: You didn't take that a loan it's zero percent interest 525 00:25:04,960 --> 00:25:07,720 Speaker 1: for twelve months, And I was like, okay, and near 526 00:25:07,920 --> 00:25:09,879 Speaker 1: the end that owed like, you know, a few hundred 527 00:25:09,920 --> 00:25:11,920 Speaker 1: dollars whatever, And I don't know who told me. I 528 00:25:11,920 --> 00:25:13,440 Speaker 1: don't know if it's the secretary. She kind of pulled 529 00:25:13,440 --> 00:25:15,280 Speaker 1: me to the side, was like, girl pays this off 530 00:25:15,359 --> 00:25:19,640 Speaker 1: because if not, it all comes up. Yeah, and Ily, wait. 531 00:25:20,680 --> 00:25:23,480 Speaker 2: Go ahead, John Not to bring it back to home ownership, 532 00:25:23,480 --> 00:25:25,000 Speaker 2: but I've been reading, you know, I was at home 533 00:25:25,040 --> 00:25:27,840 Speaker 2: Depot just reading some of the materials they had about 534 00:25:28,000 --> 00:25:30,800 Speaker 2: home improvement project financing, and I believe I saw a 535 00:25:30,800 --> 00:25:34,000 Speaker 2: deferred interest clause in that as well. So it's in 536 00:25:34,080 --> 00:25:36,440 Speaker 2: all these terms, all these you know, nice zero percent 537 00:25:36,480 --> 00:25:40,480 Speaker 2: interest promotional loans out there, just nothing. Sometimes if it's 538 00:25:40,480 --> 00:25:41,679 Speaker 2: too good to be true, it really is. 539 00:25:42,119 --> 00:25:42,359 Speaker 1: Yep. 540 00:25:43,840 --> 00:25:47,040 Speaker 2: Well, thank you for your question, Anonymous. Last question. We 541 00:25:47,040 --> 00:25:49,520 Speaker 2: have time for one more question, right, all right, This 542 00:25:49,560 --> 00:25:53,560 Speaker 2: comes from question This is a fun question from listener Kim. First, 543 00:25:53,560 --> 00:25:55,760 Speaker 2: she has a confession to make. She says, I've been 544 00:25:55,800 --> 00:25:59,199 Speaker 2: cheating on you. How dare you? With the camp with 545 00:25:59,720 --> 00:26:03,400 Speaker 2: some other podcasts talking about self care and beauty routines. 546 00:26:03,680 --> 00:26:06,440 Speaker 2: But she said she's come to us now because she 547 00:26:06,480 --> 00:26:11,600 Speaker 2: wants to know basically we all know that self care beauty. Sorry, 548 00:26:11,600 --> 00:26:14,479 Speaker 2: I just had a hiccup. Basically, we all know that 549 00:26:14,520 --> 00:26:18,560 Speaker 2: self care and beauty routines are really expensive. So Kim 550 00:26:18,640 --> 00:26:21,199 Speaker 2: wanted to know, Mandy and Tiffany, how much do we 551 00:26:21,280 --> 00:26:23,480 Speaker 2: spend on self care and would you be willing to 552 00:26:23,520 --> 00:26:25,680 Speaker 2: talk a little bit about that on your show. I'd 553 00:26:25,680 --> 00:26:27,640 Speaker 2: love to hear what some of your favorite products are 554 00:26:28,040 --> 00:26:30,800 Speaker 2: and how you budget those things into your life, because 555 00:26:30,800 --> 00:26:33,119 Speaker 2: she knows the struggle is real and this hair is expensive. 556 00:26:33,800 --> 00:26:38,000 Speaker 1: Yes, so I would have to say my vitia routine 557 00:26:38,119 --> 00:26:41,280 Speaker 1: is pretty low maintenance. I don't really do much. I'm 558 00:26:41,280 --> 00:26:44,080 Speaker 1: not gonna lie so like, I don't use like expensive 559 00:26:44,080 --> 00:26:47,480 Speaker 1: stuff for my hair because I found that with locks anyway, 560 00:26:47,480 --> 00:26:49,760 Speaker 1: when I had a fro, I needed a lot of products. 561 00:26:49,840 --> 00:26:51,719 Speaker 1: But locks actually do better with less products. 562 00:26:51,760 --> 00:26:54,080 Speaker 2: You're so smart. Locks are way less maintenance. 563 00:26:54,160 --> 00:26:55,960 Speaker 1: Oh my goodness, when I say, it's the best thing 564 00:26:56,040 --> 00:26:58,000 Speaker 1: ever happens in my life. And so the thing that 565 00:26:58,119 --> 00:27:01,040 Speaker 1: costs the most with my locks is that it's actually 566 00:27:01,040 --> 00:27:03,320 Speaker 1: get them retightened. So that's one hundred dollars, which I do, 567 00:27:03,400 --> 00:27:06,439 Speaker 1: like I would say every other month. So you know, 568 00:27:06,600 --> 00:27:08,159 Speaker 1: so I'm kind of spending like six hundred bucks a 569 00:27:08,240 --> 00:27:10,600 Speaker 1: year on my hair, and I mean I use like 570 00:27:10,640 --> 00:27:13,680 Speaker 1: regular like Suave shampoo. It doesn't need much. Like I said, 571 00:27:14,080 --> 00:27:15,840 Speaker 1: I don't want to get my nails done or like 572 00:27:16,040 --> 00:27:18,920 Speaker 1: my feet done unless like Superman is like, honestly. 573 00:27:19,359 --> 00:27:20,919 Speaker 2: Wait you let it get to that point when the 574 00:27:20,960 --> 00:27:24,200 Speaker 2: man notices, you know, because. 575 00:27:23,960 --> 00:27:26,000 Speaker 1: You know, I'm such a town boy, and he's like, babe, 576 00:27:26,600 --> 00:27:28,280 Speaker 1: is that the sound of your foot on the A. 577 00:27:28,440 --> 00:27:31,320 Speaker 2: I'm like, uh, sounds like a dog. 578 00:27:31,760 --> 00:27:35,280 Speaker 1: Like with the like the cash, You're like, wait, I 579 00:27:35,320 --> 00:27:38,439 Speaker 1: can start a fire. So but I will say this 580 00:27:38,520 --> 00:27:40,919 Speaker 1: about so and I don't, like I really don't wear 581 00:27:41,000 --> 00:27:44,000 Speaker 1: much makeup, so like I don't. I've actually stopped wearing 582 00:27:44,000 --> 00:27:47,080 Speaker 1: any makeup on my skin im unless it's for like 583 00:27:47,160 --> 00:27:50,800 Speaker 1: a TV or photo shoot because I found myself breaking out. 584 00:27:50,840 --> 00:27:52,880 Speaker 1: And then one day I was literally looking at Superman 585 00:27:53,000 --> 00:27:54,399 Speaker 1: skin and I was like, yo, your skin is like 586 00:27:54,440 --> 00:27:56,200 Speaker 1: perfect and we live in the same house. What's happened? 587 00:27:56,480 --> 00:27:58,000 Speaker 1: He's like, you put all that crap on it? And 588 00:27:58,000 --> 00:27:59,240 Speaker 1: I was like, you know what I do? 589 00:28:00,320 --> 00:28:03,479 Speaker 2: Also, the ovaries that we have pumpy hormones, that's not 590 00:28:03,520 --> 00:28:04,439 Speaker 2: something you can remove. 591 00:28:04,800 --> 00:28:08,679 Speaker 1: I know, So like I stopped, and honestly, not that 592 00:28:08,720 --> 00:28:10,560 Speaker 1: I ever had like terrible skin, but I found that 593 00:28:10,640 --> 00:28:13,840 Speaker 1: my skin was like way better. So I do spend 594 00:28:14,040 --> 00:28:18,000 Speaker 1: decent money on like like like lotion for my skin, 595 00:28:18,080 --> 00:28:21,160 Speaker 1: Like I use like a special really moisturizing motion because 596 00:28:21,160 --> 00:28:23,520 Speaker 1: my skin is dry. I spend like decent money on 597 00:28:23,640 --> 00:28:26,280 Speaker 1: like face stuff for my skin just to keep it 598 00:28:26,320 --> 00:28:29,399 Speaker 1: like healthy. But yeah, that's probably where I spend the most. 599 00:28:29,440 --> 00:28:33,480 Speaker 1: About it, if I'm gonna say beauty money, and yeah, 600 00:28:33,560 --> 00:28:36,840 Speaker 1: I'm honestly, I'm not gonna lie. I'm pretty low maintenance 601 00:28:36,880 --> 00:28:39,959 Speaker 1: and unless I'm like being the budget Nissa than it's hair, nails, 602 00:28:39,960 --> 00:28:42,600 Speaker 1: eyelashes and dresses and all that kind of stuff. But 603 00:28:42,640 --> 00:28:44,520 Speaker 1: me as Tiffany, I'm like, I still have the same 604 00:28:44,560 --> 00:28:46,760 Speaker 1: dirty pair of trucks that from three years ago that 605 00:28:46,880 --> 00:28:49,240 Speaker 1: I'm sure if I turn my back he would throw away. 606 00:28:49,480 --> 00:28:50,760 Speaker 2: Well, if you had to put a number on it, 607 00:28:50,800 --> 00:28:53,360 Speaker 2: how much do you think you spend on like self care? 608 00:28:53,400 --> 00:28:57,080 Speaker 2: And that can be anything from like beauty to work 609 00:28:57,160 --> 00:28:59,800 Speaker 2: fitness to anything that you. 610 00:28:59,760 --> 00:29:02,360 Speaker 1: Do a year, well I'll say this. 611 00:29:02,600 --> 00:29:03,440 Speaker 2: Or a month whatever. 612 00:29:04,320 --> 00:29:06,520 Speaker 1: Well, the thing is the biggest thing I do for 613 00:29:06,560 --> 00:29:10,120 Speaker 1: self care, honestly is to travel because I really enjoy 614 00:29:10,200 --> 00:29:12,360 Speaker 1: that when I do, you know, get like a chance 615 00:29:12,440 --> 00:29:15,440 Speaker 1: so that that's not necessarily obviously cheap. I mean, I 616 00:29:15,440 --> 00:29:18,120 Speaker 1: try to find a great deal, but I enjoy traveling 617 00:29:18,160 --> 00:29:22,200 Speaker 1: because other than that, it's it's taking a nap, reading 618 00:29:22,320 --> 00:29:24,720 Speaker 1: or traveling, and reading is pretty inexpensive. Taking a nap 619 00:29:24,800 --> 00:29:27,000 Speaker 1: is free, and travel is like, if I'm going to 620 00:29:27,080 --> 00:29:29,360 Speaker 1: splurge on something for myself, it's definitely travel. And I 621 00:29:29,400 --> 00:29:34,320 Speaker 1: would say I probably spend two to five thousand dollars 622 00:29:34,360 --> 00:29:37,080 Speaker 1: a year on travel. It depends because if I go 623 00:29:37,120 --> 00:29:39,400 Speaker 1: on an epic trip, then it might be more, because 624 00:29:39,400 --> 00:29:41,680 Speaker 1: I like up to five because you know, I'm like 625 00:29:41,720 --> 00:29:43,960 Speaker 1: going to multiple countries, like I went to India one 626 00:29:44,040 --> 00:29:47,960 Speaker 1: year and then Morocco and so. But yeah, so I 627 00:29:47,960 --> 00:29:53,000 Speaker 1: would say probably exactly collectively two to five thousand dollars 628 00:29:53,040 --> 00:29:56,600 Speaker 1: a year on all of my self care stuff, including 629 00:29:56,640 --> 00:29:58,360 Speaker 1: the gym membership that I never use. 630 00:30:00,040 --> 00:30:03,000 Speaker 2: You never use your gym membership, I was gonna see. 631 00:30:03,040 --> 00:30:06,760 Speaker 2: I hate that too. So for me, I like this 632 00:30:06,880 --> 00:30:10,320 Speaker 2: question because that movie Amy Schumer did and I haven't 633 00:30:10,320 --> 00:30:11,920 Speaker 2: honestly seen it at all. I don't know that I 634 00:30:11,960 --> 00:30:13,959 Speaker 2: intend to. But it's called I Feel Pretty and it's 635 00:30:14,000 --> 00:30:16,920 Speaker 2: about a woman who thinks that she's has like low 636 00:30:16,960 --> 00:30:18,800 Speaker 2: self esteem, and then she knocks her head at a 637 00:30:18,800 --> 00:30:21,680 Speaker 2: soul cycle class and she wakes up feeling super confident 638 00:30:22,200 --> 00:30:24,920 Speaker 2: and beautiful, and all of a sudden, she's changed her 639 00:30:24,920 --> 00:30:27,000 Speaker 2: mindset and she gets the main and the job and 640 00:30:27,040 --> 00:30:29,160 Speaker 2: the everything, the friends and the beauty and the money 641 00:30:29,160 --> 00:30:31,320 Speaker 2: and all that stuff. And there's been all these like 642 00:30:31,600 --> 00:30:35,760 Speaker 2: hatefolk think pieces written about it because beauty standards are 643 00:30:35,800 --> 00:30:40,120 Speaker 2: just so insane. And I was and like it's almost 644 00:30:40,160 --> 00:30:42,160 Speaker 2: like we've put the pressure on the woman. Oh, just 645 00:30:42,240 --> 00:30:45,040 Speaker 2: change your mindset and you know it's all gonna work 646 00:30:45,040 --> 00:30:47,440 Speaker 2: in your favor. But the way that the way the 647 00:30:47,560 --> 00:30:50,160 Speaker 2: world works right now is you do feel pressure to 648 00:30:50,200 --> 00:30:53,600 Speaker 2: look good, to like physically look good, and spend money 649 00:30:53,600 --> 00:30:55,440 Speaker 2: on yourself and to do the hair, of the nails, 650 00:30:55,480 --> 00:30:57,720 Speaker 2: the face, the fitness whatever, to look good, to beat 651 00:30:57,760 --> 00:30:58,640 Speaker 2: some sort of standard. 652 00:30:58,640 --> 00:31:01,400 Speaker 3: And it's expensive for me. 653 00:31:01,760 --> 00:31:05,120 Speaker 2: I've always like for me, I hate in New York City. 654 00:31:05,160 --> 00:31:07,160 Speaker 2: I don't know if it's this way around the country, 655 00:31:07,200 --> 00:31:11,080 Speaker 2: but these like these fitness classes now are so effing expensive. 656 00:31:12,080 --> 00:31:14,360 Speaker 2: When I was in Jersey, I was spending I could 657 00:31:14,520 --> 00:31:17,080 Speaker 2: I spent one hundred and or no, close to two 658 00:31:17,200 --> 00:31:19,320 Speaker 2: hundred dollars a month just for this fitness class that 659 00:31:19,360 --> 00:31:21,480 Speaker 2: I liked, and they're all doing that now. It's like 660 00:31:21,520 --> 00:31:23,880 Speaker 2: two hundred dollars to go to the like the soul site. 661 00:31:23,880 --> 00:31:24,120 Speaker 3: I don't. 662 00:31:24,160 --> 00:31:27,360 Speaker 2: I didn't do soul Cycle, but soul cycle a peer bar. 663 00:31:27,560 --> 00:31:30,480 Speaker 2: These new trendy fitness classes are over two hundred dollars 664 00:31:30,520 --> 00:31:34,280 Speaker 2: sometimes or they want to charge you annually, and for me, 665 00:31:34,360 --> 00:31:36,400 Speaker 2: I just I just don't. I can't wrap my I 666 00:31:36,400 --> 00:31:41,479 Speaker 2: can't stomach spending that much money on pain and suffering. So, 667 00:31:41,880 --> 00:31:44,960 Speaker 2: which is what working out kind is. So one of 668 00:31:44,960 --> 00:31:47,600 Speaker 2: the reasons I like where I live now is that 669 00:31:47,720 --> 00:31:50,280 Speaker 2: I actually have an opportunity to be more active for free, 670 00:31:50,320 --> 00:31:52,000 Speaker 2: which is what I like. So I have a ten 671 00:31:52,040 --> 00:31:54,720 Speaker 2: minute walk to the train, and I have I could 672 00:31:54,760 --> 00:31:58,320 Speaker 2: walk fifteen minutes to my office, or I could take 673 00:31:58,320 --> 00:32:00,640 Speaker 2: a bike and bike to the office. It's like today 674 00:32:00,720 --> 00:32:03,280 Speaker 2: I did eight thousand steps and didn't pay a dime. 675 00:32:03,440 --> 00:32:05,400 Speaker 2: Eight thousand steps and I haven't done more than like 676 00:32:05,440 --> 00:32:08,040 Speaker 2: on a good day going back and forth from home 677 00:32:08,080 --> 00:32:09,760 Speaker 2: to work. Before where we used to live, I was 678 00:32:09,760 --> 00:32:12,480 Speaker 2: doing like twenty five hundred steps. It was pathetic. So 679 00:32:12,520 --> 00:32:14,240 Speaker 2: I would have to go to the gym to actually 680 00:32:14,240 --> 00:32:16,640 Speaker 2: get some workout in. But now I feel like my 681 00:32:16,760 --> 00:32:20,520 Speaker 2: life is naturally built around a little bit more activity, okay, 682 00:32:20,720 --> 00:32:22,920 Speaker 2: And I think that I'm going to be watching because 683 00:32:22,960 --> 00:32:25,600 Speaker 2: I have not been working out, and I'm going to 684 00:32:25,640 --> 00:32:28,160 Speaker 2: see if this makes a difference, if I start seeing 685 00:32:28,160 --> 00:32:30,320 Speaker 2: some results in terms of maintaining my weight, because I 686 00:32:30,320 --> 00:32:32,160 Speaker 2: have put on weight the last few months that I've 687 00:32:32,400 --> 00:32:34,600 Speaker 2: been focusing on work so much, which is not good. 688 00:32:35,680 --> 00:32:37,520 Speaker 2: But I'm hoping that this is just like an easy 689 00:32:37,560 --> 00:32:40,320 Speaker 2: freeway free ish because like I said, girl, I'm paying 690 00:32:40,360 --> 00:32:44,960 Speaker 2: more for my commute but low cost way to get 691 00:32:45,000 --> 00:32:48,840 Speaker 2: more fit. And I mean I'm guilty of spending probably 692 00:32:48,880 --> 00:32:52,960 Speaker 2: one hundred dollars a month, well yeah, on self care 693 00:32:53,000 --> 00:32:55,400 Speaker 2: and beauty and stuff only because this hair is just 694 00:32:55,440 --> 00:32:58,480 Speaker 2: so freaking high maintenance. It just needs so much product. 695 00:32:58,840 --> 00:33:02,200 Speaker 2: And girl, she loves loves, loves product, and she's very 696 00:33:02,240 --> 00:33:05,400 Speaker 2: moody and she doesn't get any and I go through 697 00:33:05,440 --> 00:33:05,760 Speaker 2: a lot. 698 00:33:06,600 --> 00:33:08,800 Speaker 1: Yes, when your hair's out like that, I'm telling you, 699 00:33:08,840 --> 00:33:10,840 Speaker 1: like by fro, people are like, oh my god, natural 700 00:33:10,880 --> 00:33:13,240 Speaker 1: hair so so much easier than when you had a 701 00:33:13,240 --> 00:33:16,280 Speaker 1: perm Are you kidding me? My fro was a demanding beast. 702 00:33:16,640 --> 00:33:19,600 Speaker 1: It was like, no, I blush your boring product. That's 703 00:33:19,680 --> 00:33:22,400 Speaker 1: more than it was so much work. I can't even 704 00:33:22,400 --> 00:33:24,240 Speaker 1: imagine with your hair out. Oh my gosh, it's like 705 00:33:24,440 --> 00:33:24,800 Speaker 1: a pet. 706 00:33:24,960 --> 00:33:26,960 Speaker 2: It's like having a pet. It honestly is like a 707 00:33:27,000 --> 00:33:29,280 Speaker 2: freaking plant or something. It's it's a lot, but I 708 00:33:29,280 --> 00:33:32,200 Speaker 2: love it. I worked hard, you know, it's it's what 709 00:33:32,240 --> 00:33:33,959 Speaker 2: I'm supposed to look like. But it's just, you know, 710 00:33:34,080 --> 00:33:35,800 Speaker 2: God just gave me an extra bill on the end 711 00:33:35,800 --> 00:33:38,920 Speaker 2: of my you know, just gave me some extra basically, 712 00:33:38,960 --> 00:33:40,480 Speaker 2: give me a hair bill of one hundred dollars a 713 00:33:40,480 --> 00:33:42,360 Speaker 2: month just to keep it, maintain it. 714 00:33:43,040 --> 00:33:44,640 Speaker 1: You know, how much do you think that you spend 715 00:33:44,680 --> 00:33:47,760 Speaker 1: like a year or like, yeah, a year, I would 716 00:33:47,760 --> 00:33:50,240 Speaker 1: say on beauty and self care. 717 00:33:50,480 --> 00:33:52,600 Speaker 2: That's probably way more than anyone ever wanted to know 718 00:33:52,600 --> 00:33:55,280 Speaker 2: about hair care. But I feel you because this stuff 719 00:33:55,360 --> 00:33:59,480 Speaker 2: is not cheap, not cheap at all. So thanks Kim 720 00:33:59,480 --> 00:34:12,480 Speaker 2: for your question that I'll love. 721 00:34:12,520 --> 00:34:15,440 Speaker 1: I'll do it for so many and I do want 722 00:34:15,480 --> 00:34:18,240 Speaker 1: to try something quickly. If you want a little shout 723 00:34:18,239 --> 00:34:20,600 Speaker 1: out on BA you know, if you head over to 724 00:34:20,680 --> 00:34:24,280 Speaker 1: Instagram and you follow us, what's our Instagram. 725 00:34:23,840 --> 00:34:28,200 Speaker 2: It's uh, brown Enbition podcast, hoof almost forgotten, so difficult 726 00:34:28,320 --> 00:34:32,880 Speaker 2: to remember Brown Ambition Podcast. Yes, please, I manage that account. 727 00:34:33,680 --> 00:34:36,880 Speaker 2: And you guys have been so nice about responding to 728 00:34:36,920 --> 00:34:39,320 Speaker 2: our posts and just you know, commenting on the shows 729 00:34:39,360 --> 00:34:42,080 Speaker 2: on Instagram. So I love it. Keep doing it, follow us. 730 00:34:42,400 --> 00:34:44,319 Speaker 1: And if you so, if you if you follow us 731 00:34:44,320 --> 00:34:46,440 Speaker 1: and you leave a comment, you know, we'll, you know, 732 00:34:46,520 --> 00:34:47,960 Speaker 1: try to do a little shout out once a week. 733 00:34:47,960 --> 00:34:51,200 Speaker 1: You'd be like, ow, I see you Maria, I see 734 00:34:51,200 --> 00:34:52,759 Speaker 1: you bought a house or whatever it is. Like, we'll 735 00:34:52,760 --> 00:34:54,840 Speaker 1: try to do a post then and to get some 736 00:34:55,840 --> 00:34:57,480 Speaker 1: feedback from you guys because we love to see you 737 00:34:57,520 --> 00:34:58,399 Speaker 1: on social as well. 738 00:34:58,680 --> 00:35:00,359 Speaker 2: That's how we want to end the show now. It's 739 00:35:00,360 --> 00:35:03,920 Speaker 2: by calling you guys out on some reading your comments, 740 00:35:04,000 --> 00:35:06,120 Speaker 2: leap reading your thoughts that we get on Instagram. So 741 00:35:06,400 --> 00:35:09,399 Speaker 2: start commenting. I guess I should start posting more. 742 00:35:11,840 --> 00:35:15,759 Speaker 1: Get on right, and with that, we bid you do too. 743 00:35:16,360 --> 00:35:18,640 Speaker 2: I guess I'm gonna go back to my house, all 744 00:35:18,680 --> 00:35:19,720 Speaker 2: these rooms. 745 00:35:20,960 --> 00:35:23,400 Speaker 1: And I will go back to uh, I don't know, 746 00:35:23,960 --> 00:35:25,000 Speaker 1: just taking a nap. 747 00:35:25,040 --> 00:35:25,400 Speaker 2: I don't know. 748 00:35:28,080 --> 00:35:29,120 Speaker 1: Somebody's gotta do it.