WEBVTT - The Debt Consolidation Cycle 0:00:16.360 --> 0:00:20.880 Hey, hey, hey, I'm back. Sorry guys, last week I 0:00:20.880 --> 0:00:21.960 got my days confused. 0:00:22.840 --> 0:00:25.000 Thanks for I was trying to like play it off 0:00:25.000 --> 0:00:28.160 for you, like, oh, she's just you know, being fabulous 0:00:28.240 --> 0:00:30.240 and taping. I wasn't gonna tell them that you forgot 0:00:30.240 --> 0:00:30.720 about me. 0:00:31.200 --> 0:00:33.960 No, I honestly I was. It was I was in 0:00:34.159 --> 0:00:37.520 LA and I honestly was like, oh, it's Monday, yes, 0:00:37.760 --> 0:00:40.160 And then you texted me like hey girl. Later today, 0:00:40.159 --> 0:00:43.880 I'm like, it's just Tuesday. Oh my god. And I'm 0:00:43.920 --> 0:00:45.920 so glad that you text me, because honestly, I was 0:00:45.920 --> 0:00:47.199 about to get on a plane and you would have 0:00:47.240 --> 0:00:49.960 been like where in the world of siphany because I 0:00:49.960 --> 0:00:52.519 didn't get off until like ten, So I'd been like. 0:00:53.280 --> 0:00:56.160 Maybe I forgive you. I forgive you. 0:00:56.720 --> 0:00:58.840 Everyone say, Mama, I can tell I'm gonna forget my 0:00:58.920 --> 0:00:59.560 kid at school. 0:01:00.560 --> 0:01:03.160 Listen. I forgot which way to like leave out of 0:01:03.160 --> 0:01:05.640 my own driveway today because I have a driveway now 0:01:05.760 --> 0:01:07.399 that's like a thing that you park a car on. 0:01:08.640 --> 0:01:12.000 I didn't anticipate so moving into this house this past week, 0:01:12.000 --> 0:01:16.240 and I didn't anticipate like just how disoriented I would be. 0:01:16.720 --> 0:01:18.679 The first day here, people were knocking on our door 0:01:18.800 --> 0:01:22.440 packages being delivered, so much human interaction, which is weird 0:01:22.920 --> 0:01:25.319 because you think we're so far from humans, being kind 0:01:25.319 --> 0:01:27.440 of in the suburbs. But I have had more face 0:01:27.480 --> 0:01:29.480 to face conversations with people than I ever had in 0:01:29.520 --> 0:01:33.720 my apartment in Jersey, which is just a I don't know, 0:01:33.760 --> 0:01:36.360 but that mixed with like the new commute, I'm just 0:01:36.440 --> 0:01:39.640 like I'm adjusting. I'm in that adjusting face. You guys 0:01:39.680 --> 0:01:41.480 haven't moved in yet, have you. 0:01:41.560 --> 0:01:45.399 No, No, we're gonna. We've been like finding somebody to 0:01:45.440 --> 0:01:49.400 abate the lead, and the asbestis has been a pain 0:01:49.480 --> 0:01:53.520 in the butt because I don't know contractor sometimes they 0:01:53.600 --> 0:01:55.480 just don't show up. You're like, Okay, yes, you're gonna 0:01:55.520 --> 0:01:56.960 come on Monday, do a walk through and give us 0:01:56.960 --> 0:02:00.680 a price. Monday comes, Tuesday comes, Whenesday come. Tech text 0:02:00.760 --> 0:02:03.320 called calm nothing. So we've only had one guy walk 0:02:03.360 --> 0:02:05.240 through and I don't know if what he's charging is 0:02:05.240 --> 0:02:08.480 a lot or little. And so you know, our project 0:02:08.480 --> 0:02:10.960 managers like, you need at least one other person to 0:02:11.040 --> 0:02:14.160 give you, you know, a price range. And some people 0:02:14.200 --> 0:02:16.400 were like, oh, we'll just email your price, and I'm like, 0:02:16.440 --> 0:02:18.720 but you haven't even seen one person emailed us, Uh, 0:02:18.720 --> 0:02:23.239 it's looking around thirty thousand. I'm like, are you meanwhile, 0:02:23.320 --> 0:02:25.480 the guy that walked through told is twenty five hundred? 0:02:27.400 --> 0:02:29.840 What are you doing based upon what it sounds like? 0:02:29.880 --> 0:02:32.040 I'm like, sir, can you come to that house? 0:02:32.639 --> 0:02:35.160 Well, I can tell you twenty five hundred is reasonable 0:02:35.200 --> 0:02:37.440 because we got an estimate for that much this weekend. 0:02:37.720 --> 0:02:39.600 But it all depends like so, but are you guys 0:02:39.600 --> 0:02:41.320 that's just for the asbestos right. 0:02:41.600 --> 0:02:44.160 Well, yes, just for asbestos, not for lead paint. But 0:02:44.480 --> 0:02:46.960 I just real quick, I was gonna do my break 0:02:47.000 --> 0:02:49.720 about this. But I think the whole advice around getting 0:02:49.760 --> 0:02:52.840 quotes like so for I've been writing about personal finance 0:02:52.960 --> 0:02:56.040 and we all been talking about get quotes. See many 0:02:56.080 --> 0:02:59.480 experts compare, compare, compare that shit is hard to do 0:02:59.600 --> 0:03:02.600 in real life. It is hard. Like it's your time, 0:03:02.840 --> 0:03:05.280 it's your energy. So I feel you one hundred percent. 0:03:05.400 --> 0:03:08.240 I am like, we are trying to get three quotes 0:03:08.280 --> 0:03:11.080 per project and it is such a pain. 0:03:11.240 --> 0:03:12.840 I'm not gonna lie now that you just said. I'm like, 0:03:13.000 --> 0:03:15.360 that's quote enough for me. I'm about to tell Superman like, 0:03:15.480 --> 0:03:19.480 oh yeah, so I think because because that's that's literally, 0:03:19.480 --> 0:03:22.040 what's courts for the asbestos? He said twenty five hundred. 0:03:22.080 --> 0:03:23.880 And I'm like, okay, that sounds good, but I don't 0:03:24.200 --> 0:03:26.080 I didn't. I don't have a point of reference. So 0:03:27.000 --> 0:03:29.360 you know, that's why it was concerning. And so our 0:03:29.400 --> 0:03:32.080 project manager was like, you know, he was like, you know, 0:03:32.160 --> 0:03:35.000 every project is different because some people have a big 0:03:35.040 --> 0:03:37.640 asbestis like you know issue, some people have a little. 0:03:37.640 --> 0:03:39.680 So he's like, I can't tell you because you I 0:03:39.720 --> 0:03:42.080 don't abate asbestos, so I don't want you to get 0:03:42.080 --> 0:03:44.560 in the habit of just taking someone and then finding 0:03:44.600 --> 0:03:46.280 out that it was really a five hundred dollars job. 0:03:46.320 --> 0:03:49.240 And I'm like, this is true. Huh. So it's just 0:03:49.280 --> 0:03:53.440 annoying because you know, that part is just hard. But 0:03:54.240 --> 0:03:56.840 you know, we're because I feel like once the asbestos 0:03:56.840 --> 0:04:00.080 and the lead is done, we will be able to 0:04:00.080 --> 0:04:04.600 to then we have to now find a contractor, which 0:04:04.640 --> 0:04:06.680 I'm not nervous about it, but I'm like, oh god, 0:04:06.720 --> 0:04:08.800 that's gonna be a task and the stuff. But at 0:04:08.880 --> 0:04:09.640 least we're not alone. 0:04:10.040 --> 0:04:10.720 Hello, I'm here. 0:04:10.760 --> 0:04:12.600 I had to mute it for two seconds because some 0:04:12.680 --> 0:04:16.120 of car alarm went off. Oh god, why is it 0:04:16.200 --> 0:04:19.919 louder in the burbs than in the city. It's like 0:04:20.040 --> 0:04:26.839 in my closet right now. Yeah, anyway, what's happening outside 0:04:26.839 --> 0:04:27.840 of like home ownership? 0:04:30.839 --> 0:04:33.240 So I am not gonna lie. I mean, I guess 0:04:33.279 --> 0:04:35.320 because I wasn't watching it live. I mean I watched 0:04:35.520 --> 0:04:37.760 a lot of it, and I definitely was like, Wow, 0:04:37.839 --> 0:04:41.440 this woman is amazing. I mean she just is, you know, 0:04:41.920 --> 0:04:44.880 just the attention to detail. And I saw this posts 0:04:44.880 --> 0:04:46.200 and tell me what you think about it. Someone was like, 0:04:46.240 --> 0:04:48.120 I'm so sick of tired. I'm in this entrepreneur group 0:04:48.320 --> 0:04:51.320 on Facebook and somebody wrote, you know, you've ever seen 0:04:51.320 --> 0:04:53.520 those memes? You have the same twenty four hours that 0:04:53.560 --> 0:04:54.240 Beyonce has. 0:04:54.960 --> 0:04:56.080 No, have you. 0:04:56.000 --> 0:04:56.680 Ever seen that meme? 0:04:56.839 --> 0:04:57.039 No? 0:04:58.279 --> 0:05:00.599 Basically it's like get your life together. So it's just 0:05:00.640 --> 0:05:02.880 a funny meme that people post. And so an entrepreneur 0:05:03.000 --> 0:05:05.760 posted you, I'm so sick of those you have the 0:05:05.800 --> 0:05:08.120 same twenty four hours as Beyonce has. She posted a 0:05:08.120 --> 0:05:10.720 picture of Beyonce sitting like I guess and like, I 0:05:10.760 --> 0:05:12.480 don't know, like a session where like all of these 0:05:12.480 --> 0:05:15.040 people are like She's like, I guess, I don't know 0:05:15.080 --> 0:05:16.679 what it is, but you could tell it's a planning session. 0:05:16.720 --> 0:05:18.839 It's maybe like four or five people around her. And 0:05:18.920 --> 0:05:20.960 she was like, you know, as an entrepreneur, I don't 0:05:20.960 --> 0:05:22.760 have a team like Beyonce. I don't have the same 0:05:22.839 --> 0:05:25.280 twenty four hours. That's not fair to say that, Like 0:05:25.720 --> 0:05:28.240 I could be getting as much done as she is, right, 0:05:28.320 --> 0:05:32.520 And I was like, I mean, my first, like, you know, 0:05:32.560 --> 0:05:34.120 at first, I mean, I understand what she was saying, 0:05:34.120 --> 0:05:36.000 but I'm also like crimea River. It wasn't like Beyonce 0:05:36.160 --> 0:05:39.559 was born with a team, Like I think, I guess 0:05:39.600 --> 0:05:42.000 that you have the same amount of hours as Beyonce has. 0:05:42.000 --> 0:05:44.840 One it's tongue in cheek, and two I feel like 0:05:44.839 --> 0:05:46.880 you're supposed to work your way up to a team. 0:05:47.520 --> 0:05:49.719 And you know, like when I first started, it was 0:05:49.800 --> 0:05:51.680 me for the first like four years, and then I 0:05:51.680 --> 0:05:54.680 got some interns and then you know, I had like 0:05:54.880 --> 0:05:57.279 ten dollars an hour to give to some poor soul 0:05:57.480 --> 0:05:59.719 to be like my helper, and then it grew and 0:05:59.720 --> 0:06:02.320 it grew to grow. Yeah, So I just thought, like, 0:06:02.320 --> 0:06:03.760 I'm like, I wonder what if somebody else would think 0:06:03.760 --> 0:06:05.760 about that that you have the same twenty four hours 0:06:05.760 --> 0:06:06.640 that Beyonce has. 0:06:06.800 --> 0:06:09.719 I think that's ridiculous. I mean, it wouldn't bother me 0:06:09.760 --> 0:06:11.839 because I'm just like, oh, Beyonce's the bar I have 0:06:11.920 --> 0:06:13.640 to meet. I'm just gonna quit life then and go 0:06:13.839 --> 0:06:16.240 live on a beach because ain't gonna happen because of 0:06:16.279 --> 0:06:19.599 biology out the gate working against me. I don't have 0:06:19.640 --> 0:06:24.159 those genes or those that talent. I think you're just 0:06:24.279 --> 0:06:26.240 I think at that point you're taking stuff a little 0:06:26.279 --> 0:06:28.880 bit too seriously. But it does speak to like social 0:06:28.920 --> 0:06:31.360 media and the pressure you feel when you see so 0:06:31.400 --> 0:06:34.680 and so doing this or having this or accomplishing X 0:06:34.839 --> 0:06:37.440 y Z, and just the pressure of all this constant, 0:06:38.440 --> 0:06:41.800 these constant visuals of our colleagues, our friends or family 0:06:42.320 --> 0:06:44.839 living their lives, you know, and highlighting the best of 0:06:44.839 --> 0:06:48.120 their lives that can make you feel inadequate that I'm 0:06:48.160 --> 0:06:51.039 all about taking a break from that. Just don't delete 0:06:51.040 --> 0:06:53.520 your Instagram account because it'll take you two months to 0:06:53.560 --> 0:06:55.840 get it back. As I learned, you want to take 0:06:55.839 --> 0:06:57.520 a break, just move the app over. 0:06:57.720 --> 0:07:01.080 I guess whenever I see your you post on Instagram, 0:07:01.360 --> 0:07:03.440 all in advantage's just happy to be back, Like, hey. 0:07:03.440 --> 0:07:06.440 Guys, you know Beyonce, Like whatever, I'm not mad. I mean, 0:07:06.480 --> 0:07:09.880 Beyonce is just like she's she's just she's like, you 0:07:09.880 --> 0:07:12.520 can't compare yourself to a superstar, you know, compare yourself 0:07:12.560 --> 0:07:15.320 if you're an accountant to the account next to you. 0:07:15.320 --> 0:07:17.000 You know, if Beyonce had a nine to five job 0:07:17.280 --> 0:07:19.680 and no nanny and like, yeah, no staff, then of 0:07:19.720 --> 0:07:22.200 course she wouldn't be accomplishing that much. But she made 0:07:22.200 --> 0:07:24.480 some decisions early in her life, from like the age 0:07:24.480 --> 0:07:27.360 of five that led her to where she is now. So, 0:07:27.960 --> 0:07:29.640 you know, five, I was playing with barbies and now 0:07:29.640 --> 0:07:33.880 I'm paying the price, and I'm okay with that exactly. 0:07:33.960 --> 0:07:35.960 This is my life I played with. I chose barbies 0:07:36.000 --> 0:07:38.360 instead of dance class and star search. So I guess 0:07:38.360 --> 0:07:39.120 that's my life now. 0:07:40.280 --> 0:07:42.360 And I don't yet and I just yeah, like you said, 0:07:42.360 --> 0:07:44.240 I think that she was taking it really seriously. I 0:07:44.240 --> 0:07:47.080 don't know, maybe she just got pissed and also too that, 0:07:47.400 --> 0:07:50.320 you know, one, everyone doesn't want Beyonce's life like that, 0:07:50.440 --> 0:07:52.840 quite honestly, I don't want that like it's it's it 0:07:52.920 --> 0:07:55.080 seems like a lot of pressure and a lot more 0:07:55.080 --> 0:07:57.200 work than I'm willing to put in a lot of 0:07:57.240 --> 0:07:59.440 time away, you know, and not to say that life. 0:07:59.600 --> 0:08:01.200 You know, it's seems cool. 0:08:01.280 --> 0:08:02.200 So much pressure. 0:08:02.680 --> 0:08:05.440 Yeah, I don't want that. Like I it's enough pressure 0:08:05.600 --> 0:08:10.040 being the budgeteesa in Newark. I didn't even imagine like 0:08:10.080 --> 0:08:13.080 baby Beyonce for the world. So yeah, I'm just like. 0:08:13.080 --> 0:08:25.320 Oh, girl, let's just jump into brown breaks. Yes? Why wait? 0:08:25.400 --> 0:08:26.400 Why keep the people waiting? 0:08:26.680 --> 0:08:28.720 Yes? So let's brown break by brown break. It's going 0:08:28.800 --> 0:08:32.280 to be not Facebook groups as a whole, but Facebook 0:08:32.280 --> 0:08:36.559 groups that where members take themselves entirely too seriously. You're like, girl, 0:08:36.679 --> 0:08:39.640 like I actually left all my vegan groups. I don't 0:08:39.720 --> 0:08:42.320 know anybody any group of people that is more judgmental 0:08:42.360 --> 0:08:44.120 than a vegan I'm not mean. 0:08:44.040 --> 0:08:46.960 What either so angry? 0:08:47.160 --> 0:08:49.920 I'm like from people who don't eat me and love animals, 0:08:49.920 --> 0:08:53.640 you really hate people like I. There's literally I was 0:08:53.679 --> 0:08:55.720 following vegan accounts. You really trying to, like, you know, 0:08:56.040 --> 0:08:58.200 figure out this who vegan lifestyle and I found that, 0:08:58.320 --> 0:09:01.360 Like it'll be like somebody will something like hey, somebody 0:09:01.360 --> 0:09:03.679 today at work said, hey, I notice you don't eat 0:09:03.720 --> 0:09:05.640 me meat, and I told her to leave me the 0:09:05.760 --> 0:09:10.560 heck alone. I'm like, girl, but they'll be like, people 0:09:10.600 --> 0:09:14.200 are so concerned about my meat they need to worry about, 0:09:14.240 --> 0:09:16.480 like the poison they're putting in their bodies. There's just 0:09:16.520 --> 0:09:18.520 so much aggression, and I'm like, where is this coming 0:09:18.559 --> 0:09:21.480 from the vegetables you're eating? But yeah, I feel like, 0:09:21.640 --> 0:09:22.280 isn't hungry? 0:09:23.720 --> 0:09:23.920 Yeah? 0:09:26.120 --> 0:09:30.280 Yes, honestly, yeah, I just I yes, I'm bron breaking 0:09:30.360 --> 0:09:34.040 from angry Facebook groups, especially the vegan groups. I literally 0:09:34.120 --> 0:09:36.480 left all of them because it was just too much. 0:09:36.520 --> 0:09:38.880 I'm like, girl, just don't eat to meat. I can 0:09:38.920 --> 0:09:41.680 honestly say, nobody cares. Like I have not met anyone 0:09:41.720 --> 0:09:43.559 who was like, like, my mom is so cute. I 0:09:43.600 --> 0:09:46.439 told her I was vegan and she's like, okay, so 0:09:46.480 --> 0:09:49.000 she made me like a salad with like the weirdest elements. 0:09:49.000 --> 0:09:50.640 I'm like, mommy, what is in this salad? She's like, 0:09:50.679 --> 0:09:52.480 I don't know. You said you don't eat meat, so 0:09:52.600 --> 0:09:57.480 I want you to. But nobody, nobody is has come 0:09:57.480 --> 0:09:59.439 for me. No one has said what are you doing 0:09:59.480 --> 0:10:01.840 with your life? No one? So I'm like, I feel 0:10:01.840 --> 0:10:03.400 like a lot of beacons are making that up that 0:10:03.440 --> 0:10:07.000 most people don't care. And I still make food for 0:10:07.320 --> 0:10:10.400 my husband and my bonus daughter, and sometimes it's meat, 0:10:10.440 --> 0:10:12.640 and sometimes I find really great things that don't have me, 0:10:12.720 --> 0:10:14.400 and they don't mind as long as it tastes good. 0:10:14.800 --> 0:10:19.680 But yeah, definitely roundbreaking from all of that high unnecessary energy. 0:10:19.960 --> 0:10:21.280 What do you break it? What are you boosting? 0:10:21.679 --> 0:10:24.679 I was just going on a rant to Husby earlier 0:10:24.720 --> 0:10:28.160 on the way home from work about immediately the cost 0:10:28.200 --> 0:10:31.960 of home ownership, which I anticipated obviously all the repairs 0:10:31.960 --> 0:10:35.520 and stuff. But our commute, I cannot even sugarcoat it. 0:10:35.559 --> 0:10:37.800 Our commute is way more expensive than it's ever been 0:10:38.280 --> 0:10:40.440 because we now live in the suburbs of New York 0:10:40.440 --> 0:10:44.080 City and you pay for a different train line now, 0:10:44.160 --> 0:10:46.920 and my costs went from eighty nine dollars a month 0:10:47.360 --> 0:10:50.920 on Jersey Path train transit to per person two hundred 0:10:50.920 --> 0:10:55.960 and seventy dollars for a monthly train pass, which is 0:10:56.120 --> 0:10:58.439 just I mean, that's you know, one thing, and I 0:10:58.480 --> 0:11:02.360 have thankfully used up by transit benefit, which I it's 0:11:02.400 --> 0:11:04.439 a benefit you can sometimes get through work where you 0:11:04.480 --> 0:11:08.080 can put pre tax dollars aside. Okay, oh okay, which 0:11:08.120 --> 0:11:10.560 is nice. So I'm saving whatever my tax rate is 0:11:10.600 --> 0:11:13.600 like twenty something percent, who knows, there's like seventeen of 0:11:13.640 --> 0:11:17.240 them now, so you're putting in pre tax dollars and 0:11:17.240 --> 0:11:19.000 then you get a debit card and you can use 0:11:19.040 --> 0:11:22.840 that card to pay for your ticket, which which is nice. 0:11:22.880 --> 0:11:24.800 So it's not like I'm feeling the hit to my 0:11:24.880 --> 0:11:27.240 credit card or my debit account because I'm just swiping 0:11:27.280 --> 0:11:29.520 that card. It's money I've already had set aside from 0:11:29.559 --> 0:11:32.040 my paycheck, the same way you set aside money for 0:11:32.080 --> 0:11:35.600 like an FSA card flex savings account for health care needs. 0:11:35.679 --> 0:11:38.199 So but yeah, two seventy times too, that's like five 0:11:38.320 --> 0:11:39.200 hundred and I'm just. 0:11:39.080 --> 0:11:39.640 Doing the math. 0:11:39.640 --> 0:11:41.120 I'm like, damn, we don't Thank god, we don't have 0:11:41.160 --> 0:11:44.120 a car payment because our car is paid off, so 0:11:44.120 --> 0:11:46.920 it's not so that expense we have to kind of 0:11:46.960 --> 0:11:51.199 factor into our budget now. And then I can walk 0:11:51.320 --> 0:11:54.280 from the train when I get to the city, or 0:11:54.320 --> 0:11:56.480 I can take a city bike, which is the great 0:11:56.640 --> 0:11:59.480 bike share program that we have, but that's an additional 0:11:59.559 --> 0:12:02.200 like on no, twelve bucks a month, not that much more. 0:12:02.240 --> 0:12:05.920 But again, like my commute has gone from has basically tripled. 0:12:07.400 --> 0:12:09.880 But then of course my husband is like, well, we 0:12:09.920 --> 0:12:11.480 get a yard, and we get this, we get that, 0:12:11.559 --> 0:12:15.319 and meda. It's just pros and cons. But yeah, I'm 0:12:15.360 --> 0:12:17.880 already thinking like, damn, man, that's like tickets to a 0:12:17.920 --> 0:12:23.440 Broadway show or half a refrigerator. I don't know, everything 0:12:23.480 --> 0:12:24.440 seems like an appliance. 0:12:24.480 --> 0:12:28.800 Now, yeah, don't you think it that way. I totally 0:12:28.840 --> 0:12:31.880 think my friend is like my best friend in and 0:12:31.960 --> 0:12:33.720 like a group of like other couples are all going 0:12:33.760 --> 0:12:35.560 to Cuba, and she's like, you want to go? I 0:12:35.600 --> 0:12:37.240 was like, ah man, no, I got to do the bathroom. 0:12:39.080 --> 0:12:42.120 Everything is yeah, ah man, those are counters. I wish 0:12:42.160 --> 0:12:44.800 I could go everything I think of. She's like, really, 0:12:45.360 --> 0:12:47.520 I'm like, honestly, like by the time we get the 0:12:47.559 --> 0:12:50.160 flight and they she rented like a really big house 0:12:50.240 --> 0:12:53.160 and all of that. Honestly, it's gonna be probably a 0:12:53.160 --> 0:12:55.800 few thousand dollars between the two of us. And I'm like, honestly, 0:12:55.960 --> 0:12:58.680 that's literally like the difference between the towns that I 0:12:58.720 --> 0:13:00.600 want in a towe. But you know. 0:13:02.080 --> 0:13:05.440 What I'm what I'm really, what I'm really glad about 0:13:05.520 --> 0:13:08.160 is that I pre paid for and pre planned a 0:13:08.200 --> 0:13:10.480 couple of things. Like this week, I have two Broadway 0:13:10.520 --> 0:13:12.120 shows I'm going to because I booked them and paid 0:13:12.120 --> 0:13:14.840 for them like months ago. And I have a vacation, 0:13:15.080 --> 0:13:17.480 well a three day vacation that we're taking in May 0:13:17.920 --> 0:13:21.559 for a wedding to Puntakana, Go Maria, Dominican. You get 0:13:21.600 --> 0:13:23.160 to go to dr all the time for weddings. 0:13:23.200 --> 0:13:23.680 It's great. 0:13:25.120 --> 0:13:27.760 So I have that coming up, which is nice, But 0:13:28.080 --> 0:13:29.839 other than that, I'm like, oh God, what else did 0:13:29.840 --> 0:13:32.680 I pre planned I can look forward to, because yeah, 0:13:32.720 --> 0:13:33.960 I don't. I just don't want to get to a 0:13:34.000 --> 0:13:36.400 place where the house and I don't think that we will. 0:13:37.200 --> 0:13:39.160 I think we're we're both in the same page about 0:13:39.200 --> 0:13:43.040 budgeting for that kind of thing, thank god, because neither 0:13:43.080 --> 0:13:45.360 of us wants to become, like get in a situation 0:13:45.400 --> 0:13:48.000 where we're spending way too much on you know, repairs, 0:13:48.040 --> 0:13:50.640 that our entire life is just one big, like the 0:13:50.760 --> 0:13:54.360 never ending, you know, expensive home improvement project. Like we 0:13:54.520 --> 0:13:57.280 just want to do things quickly and you know, do 0:13:57.320 --> 0:13:58.679 what we need to do to make the house what 0:13:58.800 --> 0:14:00.720 we want it and then move on with our lives, 0:14:00.720 --> 0:14:04.840 hopefully keeping aside some money for the you know, the 0:14:04.920 --> 0:14:07.640 everyday repair you know, like a little house, like a 0:14:07.640 --> 0:14:10.240 little house ready day fund, separate from our personal ready 0:14:10.280 --> 0:14:13.200 day fund, like that I want to be prepared for. 0:14:13.320 --> 0:14:16.360 But I can't live in a home improvement project for months. 0:14:16.360 --> 0:14:17.720 I can't do it. I need to live. 0:14:18.640 --> 0:14:21.240 Yeah, I never you know, I've never done a home improvement. 0:14:21.280 --> 0:14:24.720 That's why we were like, we're not moving until this 0:14:24.800 --> 0:14:27.320 place is mostly done, because I just can't even. I 0:14:27.440 --> 0:14:30.680 just you hear just too many horror stories and because 0:14:30.720 --> 0:14:33.800 we're literally doing so many things where we're not doing 0:14:33.920 --> 0:14:36.800 like major constructions just in the bathroom, but in the kitchen, 0:14:36.840 --> 0:14:39.200 but like I want to refinish the floors and repaint 0:14:39.240 --> 0:14:41.440 here and da da da da. And I was just like, 0:14:41.480 --> 0:14:44.520 I just can't imagine because I wanted be impossible. I 0:14:44.560 --> 0:14:47.200 work from home largely. That's one good thing I'm excited 0:14:47.200 --> 0:14:49.760 about is like dropping the pretense of my office that 0:14:49.800 --> 0:14:50.360 I never go to. 0:14:50.880 --> 0:14:54.000 Yeah, get rid of that that you're still paying for. 0:14:54.640 --> 0:14:56.080 I you know. So what I decided is like I'm 0:14:56.080 --> 0:14:58.200 going to offer my sweet mate, Drina, who's also my 0:14:58.240 --> 0:14:59.680 public is like fifty bucks a month so I can 0:14:59.720 --> 0:15:04.000 still get my mail there and just be like, which 0:15:04.040 --> 0:15:06.160 is basically what I do now, and just be like, 0:15:06.160 --> 0:15:08.120 because you know, I don't want like my professional mail 0:15:08.120 --> 0:15:10.320 to come to my house and people to like show 0:15:10.360 --> 0:15:11.520 up in the middle of the night. So I'm like 0:15:11.560 --> 0:15:13.720 I just want to be like, hey, here's fifty bucks. 0:15:13.760 --> 0:15:15.040 Let me just skip my mail. 0:15:16.080 --> 0:15:19.200 Or you can get a box. Yeah, I know that's 0:15:19.240 --> 0:15:19.960 about the same rate. 0:15:20.000 --> 0:15:22.600 I guess, yeah probably, But it's nice to be like, hey, 0:15:22.640 --> 0:15:40.200 I have office, I'm official. Yeah, right, exactly. Man, Well, 0:15:40.520 --> 0:15:42.040 do we have any questions? 0:15:42.680 --> 0:15:45.160 We do have some good questions. If you guys want 0:15:45.160 --> 0:15:46.640 to send us a question, hit us up at Bran 0:15:46.720 --> 0:15:51.960 and Brown Ambition Podcast. Let me do that again. If 0:15:51.960 --> 0:15:53.960 you guys have any questions, hit us up at Brown 0:15:54.000 --> 0:15:59.440 Ambition podcast dot com. Oh you did it, yeah and 0:15:59.560 --> 0:16:01.880 click ask us anything, or you can email us directly 0:16:01.880 --> 0:16:06.240 at Brand Ambition Podcast at gmail dot com. Now we 0:16:06.320 --> 0:16:08.440 have a few questions. I think we might get through these. 0:16:08.480 --> 0:16:10.720 Some of these are simple from a few listeners. And 0:16:10.760 --> 0:16:13.560 thank you guys again for all of your amazing questions 0:16:13.560 --> 0:16:15.320 and not just your questions. You guys take the time 0:16:15.360 --> 0:16:18.440 to send so many sweet notes and Instagram comments and 0:16:18.480 --> 0:16:20.880 Twitter comments and all that, so thank you for that. 0:16:21.160 --> 0:16:23.600 If you haven't yet, definitely go to iTunes and leave 0:16:23.640 --> 0:16:26.120 us a review. Let the world know what you think, 0:16:26.880 --> 0:16:30.560 because those reviews are really important in terms of how 0:16:30.640 --> 0:16:33.680 people can find our shows on iTunes and very little 0:16:33.680 --> 0:16:37.560 bit help. So thank you guys. Our first question, let's 0:16:37.560 --> 0:16:39.520 do an easy one first. This one comes from Yo 0:16:39.600 --> 0:16:42.840 Maida or it's either Yo Maria, which I love, or 0:16:42.960 --> 0:16:47.640 is Yo Madia. She says, Mandy, my husband and I 0:16:47.760 --> 0:16:49.520 need your financial planner desperately. 0:16:49.880 --> 0:16:52.040 I know Yomaida. Oh my god, you chose her. She 0:16:52.120 --> 0:16:55.520 used Omiyda sweet. That's like she's like my mentee. Oh 0:16:55.520 --> 0:16:57.440 my gosh. 0:16:58.280 --> 0:16:58.680 I don't know. 0:16:59.240 --> 0:17:04.040 Oh, maybe this is a personal email. I'm gonna read it. 0:17:04.080 --> 0:17:04.320 Girl. 0:17:04.359 --> 0:17:05.040 We outed you. 0:17:07.200 --> 0:17:10.760 Amia, So it is Eomida? Yes, okay. We view money 0:17:10.760 --> 0:17:13.560 goals two different ways. And he is tripping, so before 0:17:13.600 --> 0:17:20.119 I strangle him, help, before I strangle him help. We 0:17:20.200 --> 0:17:23.040 have home renovations and a European trip coming up, and 0:17:23.080 --> 0:17:24.879 he is on my last nerve. And that's where the 0:17:24.880 --> 0:17:29.920 email ends. I can feel the desperation, so I don't wanna. 0:17:30.080 --> 0:17:32.000 I don't I would say here. So what I'll say 0:17:32.040 --> 0:17:36.320 is I found my financial planner through x Y Planning Network, 0:17:36.480 --> 0:17:39.560 which is a network of fee only financial planners who 0:17:39.560 --> 0:17:44.119 typically work with Generation X Generation Y individuals and couples. 0:17:44.119 --> 0:17:46.639 A lot of them specialize in couples and relationships. So 0:17:46.960 --> 0:17:48.960 I highly recommend going through that. And what I did 0:17:48.960 --> 0:17:52.040 from there is I found three or four different financial 0:17:52.040 --> 0:17:55.199 planners and I interviewed them so I had, like a 0:17:55.600 --> 0:17:57.639 many of them do like a free consultation and you 0:17:57.760 --> 0:17:59.879 and it's all about learning about their fees and all 0:18:00.080 --> 0:18:02.080 so getting a sense of whether you like them or not. 0:18:03.119 --> 0:18:04.800 And that's how we chose the planner we went with. 0:18:04.920 --> 0:18:08.320 And I actually work with a planner. We don't use her. 0:18:08.840 --> 0:18:12.480 We don't use this planner. We were using her every month, 0:18:12.520 --> 0:18:14.320 like monthly, for a year. And that was the year 0:18:14.359 --> 0:18:16.120 when we were playing the wedding and we were IVI 0:18:16.160 --> 0:18:18.200 was swooping jobs and figuring out what to do with 0:18:18.240 --> 0:18:20.639 equity and all this kind of stuff. So it was 0:18:20.640 --> 0:18:22.439 really important to have her for that year. And then 0:18:22.480 --> 0:18:24.959 we slowed down now to just once every six months. 0:18:26.320 --> 0:18:28.440 And she works for like we work with her remotely. 0:18:28.480 --> 0:18:30.880 She's based in Atlanta, and I haven't had any issues 0:18:30.920 --> 0:18:33.919 with it being you know, from a different state. And 0:18:33.960 --> 0:18:37.880 I think you might even find more affordable rates if 0:18:37.920 --> 0:18:41.440 you live in a high cost state like New York City. 0:18:41.600 --> 0:18:43.480 I found that her rates were a lot more reasonable 0:18:43.480 --> 0:18:46.240 for the same amount of work. So x Y planning, 0:18:46.280 --> 0:18:49.080 and there's another. I think that's the main one I 0:18:49.119 --> 0:18:52.520 think of when I when I refer people to fee 0:18:52.640 --> 0:18:55.560 only financial planner networks. And then you have like the 0:18:55.600 --> 0:18:58.720 mother of all places to go to, which is the 0:18:58.800 --> 0:19:03.439