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Speaker 1: Hey, hey, he.

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Speaker 2: I wish you could see me, like the way my

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Speaker 2: arms move when I said so, it totally affects the

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Speaker 2: way we like what comes out.

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Speaker 1: Of my mouth. Hey, we're back, We're black, We're brown ambition. Hey, Manda,

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Speaker 1: what's up?

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Speaker 3: How's it going, Miss TIFFs?

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Speaker 1: I am akay. I have an ear infection? Like I'm five.

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Speaker 3: Isn't that what babies get?

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Speaker 2: Yes, it is.

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Speaker 1: I don't know. I'm like a little woke up one day.

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Speaker 1: I said, my ear feels funny.

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Speaker 3: Did one of your little nieces or nephew's coughing your

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Speaker 3: ear or something?

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Speaker 1: Right?

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Speaker 2: And honestly, I don't think it's I don't have ear infections.

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Speaker 2: So I let like a week go by, and I

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Speaker 2: was like, and then I went away to Colorado. Oh

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Speaker 2: my god, it was like I took a hammer. It

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Speaker 2: was like, here, let me bang it against your ear

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Speaker 2: because I guess the high elevation.

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Speaker 1: And then the flight, Oh, I thought I was gonna like.

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Speaker 1: I was like, don't weep? Do not weep on this flight?

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Speaker 1: It was so bad, and didn't.

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Speaker 2: I didn't bring in the ear drops or anything, because,

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Speaker 2: like I said, it was like adult ache, and I'm

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Speaker 2: like it I'll go because I did a little Google search,

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Speaker 2: of course, and I was like, oh, your infections typically

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Speaker 2: go away on their own. I got back and now

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Speaker 2: it's like it's turned up. It turned so now I

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Speaker 2: have to go to the doctor. I guess to just

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Speaker 2: get some real drops because I've been using like drops

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Speaker 2: that I got, like you know, like the CBS or whatever,

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Speaker 2: and it's taken down the taken the pain down to

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Speaker 2: like a mild war versus like kill me now, but

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Speaker 2: fun times.

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Speaker 1: What about you?

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Speaker 3: I mean, your ear is awfully close to your brain,

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Speaker 3: so I feel like you should get on that.

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Speaker 1: Yeah, I want to go tomorrow.

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Speaker 2: I'm actually gonna go to like one of those city

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Speaker 2: city MD places or whatever, you know, like the urgent cares,

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Speaker 2: because it's not like I just need someone to say,

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Speaker 2: here's a prescription for ear drops.

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Speaker 3: I really appreciate those little urgent care centers before that reason,

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Speaker 3: because you know, you know, when you need antibiotics and

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Speaker 3: you just like wait all day in the doctor's office

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Speaker 3: and they make you weigh yourself and it's like depressing

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Speaker 3: and take your blood pressure and then you finally get

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Speaker 3: back there and you're still waiting and he's like, oh,

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Speaker 3: you know.

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Speaker 1: I got an a infection.

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Speaker 2: I already know already. It's like I know it's clogged up.

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Speaker 2: I could barely hear to this one. And that's like,

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Speaker 2: you know, I should call my mom. You know what

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Speaker 2: my mom she's she's a nurse. Well she's retired now,

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Speaker 2: but she's a nurse. Nurses are so extra. She's gonna

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Speaker 2: be like, oh my god, go to the mergency room

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Speaker 2: right now.

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Speaker 1: Right now. I'm headed there.

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Speaker 2: I'm gonna be there, I'm gonna be you there, and

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Speaker 2: I'm like, Mommy, I'm not. One time, I remember, I

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Speaker 2: was like, let me.

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Speaker 1: I was like throwing up and I had like diary

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Speaker 1: at the same time, and she made me call an ambulance. Girl.

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Speaker 2: They came to my condo. I had to walk today

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Speaker 2: like they were looking at me like what has happened?

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Speaker 1: I'm sitting in it back.

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Speaker 2: We're chopping it up, like hey girl, yeah, And she

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Speaker 2: was like, well, the reason why is because there was

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Speaker 2: some Remember there was like some like weird flu going around, but.

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Speaker 1: Like you know, one of those linelue. It's one of

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Speaker 1: these like deadly flu.

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Speaker 2: So she was worried that it might be this like

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Speaker 2: like swine or whatever. Fleu was happening at that moment

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Speaker 2: because it was like really going around and she was like,

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Speaker 2: and when you when you go in an ambulance, they

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Speaker 2: must push you to.

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Speaker 1: The front of the line. So I was like, ooh,

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Speaker 1: you line cutter. So I get there.

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Speaker 2: She gets there and I was like, mommy, it was

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Speaker 2: not this serious, but she she was adamant. It was

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Speaker 2: one of those things where you know where you know

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Speaker 2: you could push back to your mom like no, but

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Speaker 2: it was one of those moments where it's like, no,

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Speaker 2: you are even though you're twenty five, you're five years

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Speaker 2: old right now.

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Speaker 1: You better do what she says.

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Speaker 2: So I've learned not to tell her, and that's something

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Speaker 2: is really wrong because her her answers always go to

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Speaker 2: the hospital.

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Speaker 3: That is I feel like I said, mommy answer not

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Speaker 3: just a nurse answer, but like when your mom's also

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Speaker 3: a nurse, it just heightens that. I don't we I

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Speaker 3: don't know if any of you guys are listening, but

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Speaker 3: I definitely just selectively choose what to tell my mother.

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Speaker 3: I'll tell her I was sick like a month after

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Speaker 3: I recovered, Yeah, last month, I was a little down,

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Speaker 3: and she's like, what I'm like, no, it's too late.

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Speaker 3: I've already recovered. There's no need for you to like

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Speaker 3: you just steal the moment from them to freak out.

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Speaker 1: Yeah. Nice, My mom.

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Speaker 2: Stays at the hospital. I'm like, I'll call like, oh dad,

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Speaker 2: he whe's Mommy, Oh at the hospital. I'm like, what happened?

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Speaker 1: Oh? I don't know. She says she woke up, she

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Speaker 1: wasn't feeling right.

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Speaker 3: I'm like, mommy, why is that her hobby?

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Speaker 1: Now?

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Speaker 2: Oh? No, mom, Well, because as a nurse, she always

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Speaker 2: jumps from It could be a cult, it could be death,

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Speaker 2: it could be I have seen death walk into the hospital,

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Speaker 2: and so in her like I remember we were at

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Speaker 2: the hospital one time and this guy came in because

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Speaker 2: he he was like barbecuing with the friends and he

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Speaker 2: was only like forty years old. He's like, I wasn't

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Speaker 2: feeling so great. My wife made me come here to

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Speaker 2: the mercery room. Turns out he had a stroke and

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Speaker 2: he did not even realize it and had he not come,

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Speaker 2: his body was gearing up for another one.

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Speaker 1: And so she was like.

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Speaker 2: Yes, say yes, say I'm like, but mommy.

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Speaker 3: That's no way to live.

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Speaker 1: No.

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Speaker 2: But so because she because my mom worked in like

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Speaker 2: I said, in the hospital, as a nurse for like

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Speaker 2: over thirty years, I think that she's always worried, like

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Speaker 2: this could be the big one. I'm like, Mommy, yes exactly.

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Speaker 1: She had seen too much.

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Speaker 2: So I mean, like I said, right now, it's not

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Speaker 2: It's just weird because I feel like there's like an

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Speaker 2: echo in my head because one year is like, yeah,

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Speaker 2: we're not participating today, so.

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Speaker 3: We'll hope you get better, so at least get it

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Speaker 3: checked out before it gets any worse.

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Speaker 1: No, I am, I'm going to go tomorrow.

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Speaker 2: But so before we got in the call today, I

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Speaker 2: was like, hmmm, I should Randomly I decided I should

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Speaker 2: raise the credit credit limits on two of my credit cards.

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Speaker 1: Because I use them a lot for business and marketing.

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Speaker 2: So we tend to like charge a lot, and so

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Speaker 2: we have a new marketing person that does our YouTube ads.

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Speaker 2: And I was like, m the limit on my Bank

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Speaker 2: of America card. I think it was like I want

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Speaker 2: to say, thirty eight thousand, and I was like, let's

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Speaker 2: see if you can get it to sixty.

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Speaker 1: Call Bank of America. Within five minutes.

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Speaker 2: You know, they they were able to get me to

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Speaker 2: forty eight, which I was like fine, it close enough,

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Speaker 2: And then I called the Chase card. Remember that Chase

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Speaker 2: gotta go on.

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Speaker 3: The run Chase good Time card.

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Speaker 1: So I called Chase and they denied me. I was like,

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Speaker 1: I'm not sure why. I'm like, what why, I'm not there?

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Speaker 3: Can you tell them how you are?

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Speaker 1: But I was just like, I don't get it.

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Speaker 3: Why is this your personal credit card or is it

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Speaker 3: like that you use for business or are these business?

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Speaker 3: Well you the Chase card. I know it's like a

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Speaker 3: personal one, but it's to be a card.

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Speaker 1: Yeah, I'm trying to figure out why.

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Speaker 2: I guess I'm assuming they're gonna, you know, send me

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Speaker 2: like a they said, she says she's gonna send me

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Speaker 2: like I don't know if it's an email or just

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Speaker 2: a letter saying why. But my credit score is like

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Speaker 2: a eight hundred I think, like last of my checker

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Speaker 2: was like seven eighty nine or something like that for

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Speaker 2: you know, so I've got great credit. My my my

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Speaker 2: income is like like.

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Speaker 3: On the flex no, but like you know, I was like,

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Speaker 3: I honestly on the phone, I was like, well, I

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Speaker 3: don't want to say I make mid six figures.

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Speaker 2: And I'm like and then on top of that, adding

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Speaker 2: Superman's income and that like you know, like I pay

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Speaker 2: the card off, like I pay it regularly. So I'm

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Speaker 2: really I'm curious and I'll let.

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Speaker 1: You guys know, I'm curious to know, like why why

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Speaker 1: was I tonight? Like you know, I don't and honestly

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Speaker 1: I have no I and I asked her.

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Speaker 2: I was like, well, I know it's not income. I

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Speaker 2: know it's not credit score. The thing is, what it

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Speaker 2: could be is that we use the card a lot,

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Speaker 2: and even though we pay it off.

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Speaker 1: If you you could.

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Speaker 2: Catch me on a day where we're where we're like

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Speaker 2: like we have a high limit, you high balance, you

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Speaker 2: know what I.

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Speaker 3: Mean, sometimes that will actually encourage issuers to increase your

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Speaker 3: credit limit, I think. But I'm actually thinking it's because

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Speaker 3: your limits are already high, Like what was the limit

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Speaker 3: on the.

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Speaker 2: The limit on the on the Chase card is a

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Speaker 2: fifty three thousand, So maybe.

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Speaker 3: They're like, girl, we're here, yeah, then maybe they have

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Speaker 3: like a max limit that And also I know with

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Speaker 3: Chase especially, they they will and when they're they're looking

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Speaker 3: at you know, credit limit increases, they'll look at your

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Speaker 3: other limits on your other cards and how much available

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Speaker 3: credit is, you know, how much credit is available to you,

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Speaker 3: and maybe they're just deciding you got enough temptation as

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Speaker 3: it is.

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Speaker 1: Oh how much avail?

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Speaker 2: I was gonna say, because honestly, like like, we pay

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Speaker 2: the cards off full, Like all the business and my

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Speaker 2: personal cards, I pay them off in full every month,

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Speaker 2: so I don't have Like I was looking at my

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Speaker 2: Bank of American card, even though the limit was thirty

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Speaker 2: eight thousand, I think my balance was like two thousand,

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Speaker 2: and the chase was.

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Speaker 1: A little bit high.

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Speaker 2: That's why that's the only thing I was thinking of.

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Speaker 2: The fifty fifty three thousand. Currently the balance is like

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Speaker 2: twenty three thousand, but that'll be paid off today, so

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Speaker 2: I'm like, I wonder if that's it. So either way,

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Speaker 2: I'm curious to see what the when the letter comes

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Speaker 2: in and may I'll share because like I said, I

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Speaker 2: know it's not credit score, I know it's not income,

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Speaker 2: and I know it's not paym in history because we're

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Speaker 2: just not late.

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Speaker 1: So I'm just well, you know, I don't think we've

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Speaker 1: been late.

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Speaker 2: I don't know, but I definitely was like, wait what

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Speaker 2: she was like, I mean, I asked the Bank of

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Speaker 2: America for sixty they gave me forty eight. I figured

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Speaker 2: they weren't going to give me like one hundred thousand.

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Speaker 2: What I really need to do, honestly, is I need

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Speaker 2: to get an American Express card.

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Speaker 3: Yeah, if you're using it for business. I feel like

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Speaker 3: business lines are credit for like a business credit card

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Speaker 3: might have that high limit that.

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Speaker 1: You actually surprisingly they don't.

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Speaker 2: The reason why we use like the other cards is

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Speaker 2: because like the business cards that we have right now,

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Speaker 2: maybe because we just we like in the last year

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Speaker 2: or so is when I got a business, cause we

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Speaker 2: never really needed credit cards.

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Speaker 1: And the one thing I'll tell y'all if.

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Speaker 2: Y'all have businesses is to ride away straight away, go

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Speaker 2: get a secured card straight away.

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Speaker 1: Because you don't want to wait until you needue.

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Speaker 2: Credit before you know you go you ask for it.

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Speaker 2: Because now the limit right now for my business cards,

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Speaker 2: because they're fairly new, it is ten thousand dollars and

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Speaker 2: that's not enough. That's why we've been using off setting

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Speaker 2: with mine, you know what I mean, Because technically I

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Speaker 2: really should have used my card, but or whatever.

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Speaker 1: Well, the benefit is that.

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Speaker 2: The Bank of America card points. I have six hundred

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Speaker 2: and eighty nine thousand points on Chase. I have four

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Speaker 2: hundred and twenty thousand points. I can go to Zimbabwe

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Speaker 2: and get a zebra and come back.

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Speaker 3: Okay, I can't. Can I have some Can I get

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Speaker 3: some of them points on? Don't you don't tell people that?

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Speaker 3: Like my little brother travels for work. He uses his

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Speaker 3: personal card and like all of us know about it.

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Speaker 3: And I'm like, so you're gonna fly mom and sister

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Speaker 3: out for the baby toower right.

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Speaker 2: Is already half My sister Karen was like, so trying

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Speaker 2: to go to dream this wedding need some point and

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Speaker 2: I was like, sure, a girl, but yeah, I'm definitely

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Speaker 2: the go to because most of my travel is like

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Speaker 2: paid for by a client, So I honestly don't even

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Speaker 2: get to use my points as much. Although I'm going

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Speaker 2: to a wedding at the end of this month in Chicago,

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Speaker 2: so finally Superman and I will be able to use

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Speaker 2: some points.

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Speaker 3: But can you take a vacation or something?

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Speaker 1: I know I do? I want to I told them,

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Speaker 1: I'm like, I actually want.

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Speaker 2: To do like a do it up vacation, Like I

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Speaker 2: want to use like six hundred thousand points on one vacation,

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Speaker 2: you know, like something really like fancy that we wouldn't

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Speaker 2: pay out of pocket normally.

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Speaker 3: Like use the points on a hotel, which I would

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Speaker 3: never do.

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Speaker 2: Yeah, norm because honestly, they they're they're racking me up,

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Speaker 2: and I'm like, at this point, is this is it's

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Speaker 2: it's just an empire.

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Speaker 3: You have to think about that too.

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Speaker 2: Yeah, So some I don't. They don't expire like as

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Speaker 2: one lump sum. But sometimes they'll be like if you

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Speaker 2: don't if you don't book something or whatever within this month, whatever.

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Speaker 1: Tift, you're gonna lose a hundred point.

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Speaker 2: So it's almost like they expire rotationally on one of

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Speaker 2: the cards, I believe. I think I saw like an

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Speaker 2: email like that from Back of America, but don't quote me,

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Speaker 2: but yeah, so.

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Speaker 1: We shall see.

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Speaker 2: But I do think it's time for like an American

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Speaker 2: Express card because we need a card where we don't

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Speaker 2: have to worry about limits because there's always this like

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Speaker 2: ever we close, ever we're close, and I'm not gonna lie,

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Speaker 2: Like my credit score was the mid like you know,

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Speaker 2: like maybe like at eight ten, eight twenty, but it

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Speaker 2: dropped a little bit because you know, sometimes the credit card,

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Speaker 2: our balance will be high in comparison to the limit

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Speaker 2: even though we're paying it off. I mean, I don't

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Speaker 2: necessarily meeed credit right now, and my credit score is

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Speaker 2: still considered it in the perfect credit range. But that

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Speaker 2: is definitely something that I'm mindful of, Like, oh, could

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Speaker 2: y'all pay this card off because the finance team, because

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Speaker 2: right now the bounds a little.

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Speaker 1: Yeah.

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Speaker 3: And it could be also that you had a you know,

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Speaker 3: you were half utilized on that card when you ask

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Speaker 3: for the credit limit increase.

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Speaker 1: I was thinking, yeah, I wonder if it's.

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Speaker 3: Better to wait until you've paid it off.

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Speaker 1: And then I saw it she could care less you

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Speaker 1: know what, something called the request.

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Speaker 3: Sorry, did you call the request or did you do online?

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Speaker 1: I called? I was like, hey, so can I She

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Speaker 1: was like yeah, no, she like that she you know,

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Speaker 1: but basically her tone was I.

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Speaker 2: Was liked, but I don't understand, you know, I just

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Speaker 2: at this, this, this, this, and she's like, well, we'll

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Speaker 2: send an email or a letter saying why. I said

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Speaker 2: but I don't understand. She's like, we'll send a letter.

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Speaker 2: Like girl, Her tone was like this, I'm not going

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Speaker 2: to do this with you. I already told you a

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Speaker 2: letter will be said.

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Speaker 1: I was like, okay, So.

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Speaker 2: Shout out to the chaste girl. I wasn't trying to

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Speaker 2: get attitude. I just was confused.

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Speaker 3: Do you know did I say tif my full name

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Speaker 3: Tiffany the budget style?

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Speaker 1: You know, it was so so big of America l

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Speaker 1: It was so cute. She was like. Because when I

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Speaker 1: told her like, oh, this is my score, this is

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Speaker 1: when I make she was like, well, what do you

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Speaker 1: do baby?

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Speaker 2: I'm pretty s then aspect and I was like, oh,

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Speaker 2: you know. I was like, I have an online school.

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Speaker 2: She's like, you're a teacher.

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Speaker 1: At an online school. I was like, no, I own

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Speaker 1: the all LIGHTE school. She's like, oh, okay, ye that

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Speaker 1: makes work.

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Speaker 2: But I'm like, uh, is this part of the script

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Speaker 2: because YouTube?

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Speaker 3: Baby?

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Speaker 1: I love it.

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Speaker 2: Yes.

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Speaker 1: It was clear an older black lady, and I was

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Speaker 1: just like loving it. She was so cute.

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Speaker 2: She was like and then then on when I hung up,

345
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Speaker 2: and she was like, cause you know online school. I

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Speaker 2: guess she was thinking kids. She's like, well, I just

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Speaker 2: want to thank you for what you're doing for the

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Speaker 2: kids out there, because clearly doing well.

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Speaker 1: I'm so proud of you. I was like, oh, thank you,

350
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Speaker 1: thank you, miss Mayam, and thank you for my increase.

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Speaker 3: Oh that every customer service rep could be a nice

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Speaker 3: old black lady. Yes, just my aunt Brendan. Every every

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Speaker 3: customer service call. Well, first of all, they would never end,

354
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Speaker 3: like you never got that'd be the downside.

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Speaker 1: She's proudly all thanks.

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Speaker 3: I was like, okay, well over here in my credit world,

357
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Speaker 3: so I have been considering shutting down some of our

358
00:13:53,960 --> 00:13:58,320
Speaker 3: credit cards, even though that goes against general wisdom. One,

359
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Speaker 3: it would reduce the age of our credit. It to

360
00:14:01,280 --> 00:14:04,120
Speaker 3: in my credit age of my credit, which can hit

361
00:14:04,160 --> 00:14:06,720
Speaker 3: my score, and to it would reduce the available credit

362
00:14:06,720 --> 00:14:10,160
Speaker 3: limit that I have, which could reduce my score even more.

363
00:14:10,360 --> 00:14:14,200
Speaker 3: But I just like I've been getting mail like letters

364
00:14:14,200 --> 00:14:16,959
Speaker 3: in the mail recently, fred from credit cards that I've

365
00:14:16,960 --> 00:14:18,520
Speaker 3: had for a long time, saying, you know, we're going

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00:14:18,600 --> 00:14:20,840
Speaker 3: to close your card because you haven't used it. And

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00:14:20,920 --> 00:14:22,640
Speaker 3: I know what you're supposed to do. You're supposed to

368
00:14:22,680 --> 00:14:25,000
Speaker 3: like put the Netflix account on those old cards and

369
00:14:25,040 --> 00:14:27,120
Speaker 3: just keep them going so that you have them forever.

370
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Speaker 3: But I don't know, I've been lazy. I've just been

371
00:14:29,360 --> 00:14:32,520
Speaker 3: letting cards close on their own and it hasn't you know,

372
00:14:32,560 --> 00:14:35,840
Speaker 3: my score hasn't gone down because I've recently had a

373
00:14:35,840 --> 00:14:39,360
Speaker 3: couple cards from like two thousand and nine, two thousand

374
00:14:39,400 --> 00:14:41,680
Speaker 3: and eight that have been closed because I just haven't

375
00:14:41,760 --> 00:14:45,000
Speaker 3: used them, And I'm thinking I wouldn't mind simplifying our

376
00:14:45,000 --> 00:14:47,960
Speaker 3: wallet a little bit. And honestly, if our score does

377
00:14:48,000 --> 00:14:51,000
Speaker 3: go down, it'll come back up. And we don't necessarily

378
00:14:51,080 --> 00:14:55,360
Speaker 3: need have a big need for like like we're not

379
00:14:55,400 --> 00:14:57,480
Speaker 3: applying for a mortgage right now or alone, or have

380
00:14:57,520 --> 00:15:00,480
Speaker 3: any plans to apply for or borrow any thing right now.

381
00:15:00,520 --> 00:15:02,120
Speaker 3: So do I really need to be obsessing over my

382
00:15:02,160 --> 00:15:04,720
Speaker 3: credit score as much? That's kind of like where I'm at.

383
00:15:04,920 --> 00:15:07,240
Speaker 3: Got any advice that's a that's a question from a listener,

384
00:15:08,160 --> 00:15:10,720
Speaker 3: Mandy Woodruff tiffinanciality advice for.

385
00:15:12,040 --> 00:15:14,040
Speaker 1: Well, I mean, to me, here's the thing.

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Speaker 2: I mean, if you don't need the card, if there's

387
00:15:15,680 --> 00:15:18,640
Speaker 2: nothing necessarily wrong, well one.

388
00:15:18,640 --> 00:15:20,480
Speaker 1: Is it the cars that you are going to close?

389
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Speaker 2: Are they Are they your oldest like like what's the

390
00:15:23,360 --> 00:15:26,400
Speaker 2: what's the like how long ago did you get them?

391
00:15:26,440 --> 00:15:28,960
Speaker 3: I would say they're not They're not old. They're probably

392
00:15:28,960 --> 00:15:31,600
Speaker 3: in the last three years. Because you know, I got

393
00:15:31,920 --> 00:15:33,920
Speaker 3: like I got, you know, a card, a cash back

394
00:15:33,960 --> 00:15:36,040
Speaker 3: card that at the time was the best, all in

395
00:15:36,240 --> 00:15:39,080
Speaker 3: the best everything cash back card. At the time, it's

396
00:15:39,120 --> 00:15:41,560
Speaker 3: like one percent on, one point five percent on everything.

397
00:15:41,760 --> 00:15:43,480
Speaker 3: But now I've got the City Double Cash Car which

398
00:15:43,520 --> 00:15:45,800
Speaker 3: gives me two percent cash back, So I don't really

399
00:15:45,880 --> 00:15:47,200
Speaker 3: need that one. And I opened that one a few

400
00:15:47,280 --> 00:15:49,360
Speaker 3: years ago and I'm not using it, and I'm like,

401
00:15:49,400 --> 00:15:51,040
Speaker 3: it's only a matter of time before they tell me

402
00:15:51,080 --> 00:15:54,040
Speaker 3: they're going to shut it down. Probably yes, So.

403
00:15:53,720 --> 00:15:54,840
Speaker 1: So that's one thing to consider.

404
00:15:54,920 --> 00:15:56,680
Speaker 2: So since they're not like, for example, I'm not going

405
00:15:56,680 --> 00:15:58,320
Speaker 2: to ever close my Bank of America card. This is

406
00:15:58,360 --> 00:16:00,640
Speaker 2: the very first card I ever got. I was eighteen,

407
00:16:00,720 --> 00:16:03,360
Speaker 2: so it's like twenty years old. So I'm like, sis

408
00:16:03,400 --> 00:16:05,160
Speaker 2: were rocking out because it helps with my length of

409
00:16:05,200 --> 00:16:08,160
Speaker 2: credit history. So that's one if it's three years old, okay,

410
00:16:08,200 --> 00:16:10,320
Speaker 2: And then two, you said all the rest of your

411
00:16:10,360 --> 00:16:11,480
Speaker 2: cards are basically paid.

412
00:16:11,240 --> 00:16:14,960
Speaker 3: Off, right, Yeah, we're not carrying death months a month.

413
00:16:15,880 --> 00:16:17,640
Speaker 2: So then that means that, like it's not going to

414
00:16:17,680 --> 00:16:21,200
Speaker 2: negatively affect your utilization. So for those listening, what that

415
00:16:21,240 --> 00:16:23,720
Speaker 2: means is, so let's just say Mandy has one card

416
00:16:23,880 --> 00:16:25,920
Speaker 2: and it's one hundred dollars limit, and she's got another

417
00:16:25,920 --> 00:16:30,360
Speaker 2: card it's one hundred dollars limit card number one, she's

418
00:16:30,400 --> 00:16:32,640
Speaker 2: not using it, so one hundred dollars limit zero balance.

419
00:16:32,680 --> 00:16:36,080
Speaker 2: Card number two she has a fifty dollars ballance. So

420
00:16:36,120 --> 00:16:38,440
Speaker 2: card number two is she's using half a bit. So

421
00:16:38,480 --> 00:16:41,840
Speaker 2: what that means is right now, collectively, on average between

422
00:16:41,840 --> 00:16:45,280
Speaker 2: the two cards, Mandy has a twenty five percent utilization

423
00:16:45,480 --> 00:16:47,200
Speaker 2: because one card is not used at all and one

424
00:16:47,240 --> 00:16:49,680
Speaker 2: card is only half used. The average of those two

425
00:16:49,880 --> 00:16:53,680
Speaker 2: twenty five percent. Mandy closes the not used card.

426
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Speaker 1: Because she's not using it.

427
00:16:54,560 --> 00:16:56,960
Speaker 2: Now all of a sudden, she has one card carrying

428
00:16:57,640 --> 00:17:00,640
Speaker 2: her utilization, and now she went from twenty five utilization

429
00:17:00,800 --> 00:17:04,240
Speaker 2: to fifty percent because that card was half being used,

430
00:17:04,520 --> 00:17:07,280
Speaker 2: and so she took her utilization and doubled it, which

431
00:17:07,320 --> 00:17:10,000
Speaker 2: is not good. You want to keep your utilization ideally

432
00:17:10,200 --> 00:17:13,080
Speaker 2: under thirty percent of the average of your cards.

433
00:17:13,080 --> 00:17:15,440
Speaker 1: But if you've got two cards.

434
00:17:15,200 --> 00:17:17,320
Speaker 2: With zero percent utilization and you get rid of one,

435
00:17:17,320 --> 00:17:18,760
Speaker 2: you're still at zero percent utilization.

436
00:17:19,160 --> 00:17:20,800
Speaker 1: So honestly, I don't think it's going to be And

437
00:17:20,840 --> 00:17:22,240
Speaker 1: also too, credit is.

438
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Speaker 2: One of those things where if you were eighty and

439
00:17:25,480 --> 00:17:27,760
Speaker 2: you were like, oh my credit score, I'm manxist.

440
00:17:27,880 --> 00:17:29,040
Speaker 1: Are you trying to buy a house? Like what are

441
00:17:29,080 --> 00:17:29,360
Speaker 1: we doing.

442
00:17:29,520 --> 00:17:32,680
Speaker 2: Your credit to me is really only as important as

443
00:17:32,760 --> 00:17:34,960
Speaker 2: the situation demands. You're looking to buy a house, you

444
00:17:34,960 --> 00:17:36,800
Speaker 2: guys bought one. Look at to buy a pot card,

445
00:17:36,800 --> 00:17:39,200
Speaker 2: you guys bought one. You know, you're looking for a job,

446
00:17:39,280 --> 00:17:41,760
Speaker 2: you guys have one. These are things that your credit

447
00:17:41,800 --> 00:17:44,720
Speaker 2: score are affected by, and you're going to rebound fairly

448
00:17:44,800 --> 00:17:47,320
Speaker 2: quickly anyway, because you're responsible with your credit if you

449
00:17:47,359 --> 00:17:49,000
Speaker 2: do take a dip. So I don't think it's going

450
00:17:49,080 --> 00:17:51,840
Speaker 2: to be some some huge dip, not one that you

451
00:17:52,160 --> 00:17:54,439
Speaker 2: can't recover from. So I say, you know, cut them

452
00:17:54,440 --> 00:17:55,240
Speaker 2: if you don't need them.

453
00:17:55,720 --> 00:17:57,200
Speaker 3: Yeah, I think what I'm gonna do too. And those

454
00:17:57,200 --> 00:17:59,280
Speaker 3: are all good points. I think they have like credit

455
00:17:59,320 --> 00:18:02,480
Speaker 3: cards simula tools. I think Credit Karma has one. I

456
00:18:02,560 --> 00:18:05,480
Speaker 3: think even Chase has one through their Credit Journey platform.

457
00:18:05,560 --> 00:18:07,199
Speaker 3: And I can just see what would happen if I

458
00:18:07,280 --> 00:18:10,000
Speaker 3: closed a couple of my I like that newer cards,

459
00:18:10,080 --> 00:18:12,520
Speaker 3: just to take a little look see. But our credit's

460
00:18:12,560 --> 00:18:14,359
Speaker 3: in great shape. And I just, you know, I just

461
00:18:14,400 --> 00:18:16,160
Speaker 3: feel like there's just I don't know, I just want

462
00:18:16,200 --> 00:18:18,600
Speaker 3: to I'm just in like a maybe it's just the

463
00:18:18,680 --> 00:18:21,040
Speaker 3: nesting thing. I'm in a very like Marie condo mode

464
00:18:21,119 --> 00:18:25,840
Speaker 3: right now, just look at the clutter out man. I'm

465
00:18:25,880 --> 00:18:29,240
Speaker 3: just like, clutter is dry. Clutter is my trigger right now,

466
00:18:29,280 --> 00:18:31,800
Speaker 3: it is just drive any clutter ice. I just had

467
00:18:31,800 --> 00:18:34,399
Speaker 3: my assistant reorganize our snack drawer at the office, and

468
00:18:34,400 --> 00:18:39,320
Speaker 3: she's like, I'm entertaining you because of the fetus. I

469
00:18:39,320 --> 00:18:41,439
Speaker 3: I really could have better things to do than organize

470
00:18:41,440 --> 00:18:44,520
Speaker 3: our snackdrawer, but like it's driving me nuts. Yeah, so

471
00:18:44,560 --> 00:18:47,320
Speaker 3: I'm like, my wallet, how can I simplify my financial

472
00:18:47,320 --> 00:18:47,960
Speaker 3: life right now?

473
00:18:48,240 --> 00:18:48,720
Speaker 1: I love that?

474
00:18:49,520 --> 00:18:52,080
Speaker 3: Yes, Well, let's change the subject real quick, because I

475
00:18:52,119 --> 00:18:55,359
Speaker 3: got a question from one of my uh like a

476
00:18:55,400 --> 00:18:57,720
Speaker 3: couple of friends over the weekend, who got emails about

477
00:18:57,720 --> 00:18:59,000
Speaker 3: this Equifax settlement.

478
00:19:00,080 --> 00:19:01,159
Speaker 1: You get an equofax email.

479
00:19:01,240 --> 00:19:03,560
Speaker 3: So this is all How long has it been since

480
00:19:03,560 --> 00:19:05,960
Speaker 3: that massive data breach? Was that like a year two

481
00:19:06,040 --> 00:19:08,080
Speaker 3: years ago? It was two years ago, right, it was

482
00:19:08,080 --> 00:19:10,840
Speaker 3: a long time ago. So finally they've reached this big

483
00:19:10,880 --> 00:19:15,159
Speaker 3: settlements like seven hundred million dollars and hundreds of millions,

484
00:19:15,200 --> 00:19:19,639
Speaker 3: like tens of millions of consumers impacted are eligible or

485
00:19:19,800 --> 00:19:22,639
Speaker 3: you know, have been said that they're eligible for up

486
00:19:22,720 --> 00:19:24,960
Speaker 3: to one hundred and twenty five dollars in cash to

487
00:19:25,000 --> 00:19:27,240
Speaker 3: pay for, you know, the wrongdoing of Equifax in the

488
00:19:27,359 --> 00:19:29,880
Speaker 3: data breach. Well, it turns out, of course, there's all

489
00:19:29,880 --> 00:19:32,760
Speaker 3: these asterisks with that one hundred and twenty five dollars,

490
00:19:33,000 --> 00:19:36,200
Speaker 3: and one of them is that so when the breach happened,

491
00:19:36,359 --> 00:19:40,280
Speaker 3: victims were offered free credit monitoring service, and in order

492
00:19:40,359 --> 00:19:42,680
Speaker 3: to qualify for the one hundred and twenty five dollars,

493
00:19:42,760 --> 00:19:46,600
Speaker 3: apparently you have to show that you've already participated in

494
00:19:46,640 --> 00:19:48,840
Speaker 3: some form of credit monitoring or have some kind of

495
00:19:48,840 --> 00:19:52,399
Speaker 3: production protection in place to stand any chance at actually

496
00:19:52,400 --> 00:19:56,520
Speaker 3: getting that cash. The alternative is you could either either

497
00:19:56,560 --> 00:19:59,840
Speaker 3: outqualify for the one twenty five or you can ex

498
00:20:00,000 --> 00:20:03,960
Speaker 3: accept free credit monitoring from Equifax. So if you were

499
00:20:04,000 --> 00:20:07,159
Speaker 3: expecting an easy hundred bucks, you ain't go and get it.

500
00:20:07,280 --> 00:20:08,480
Speaker 3: Probably what you would.

501
00:20:08,320 --> 00:20:09,680
Speaker 1: Like, what if you like? If you signed?

502
00:20:09,720 --> 00:20:12,080
Speaker 2: What if you does it have to be with Equifax

503
00:20:12,080 --> 00:20:14,840
Speaker 2: the credit monitoring to prove that? Could you do like

504
00:20:14,880 --> 00:20:18,080
Speaker 2: credit creditsess me, credit credit karma?

505
00:20:18,680 --> 00:20:20,760
Speaker 3: That's what this I'm reading this on market Watch. It

506
00:20:20,800 --> 00:20:22,800
Speaker 3: seems like if you were in if you were enrolled

507
00:20:22,800 --> 00:20:25,520
Speaker 3: in any kind of credit monitoring since the data breach happened,

508
00:20:25,520 --> 00:20:27,520
Speaker 3: then you could qualify for the one twenty five. But

509
00:20:27,560 --> 00:20:30,000
Speaker 3: if you didn't, if you like refuse their credit monitoring,

510
00:20:30,040 --> 00:20:33,040
Speaker 3: didn't do other credit monitoring yourself, which I'm assuming a

511
00:20:33,040 --> 00:20:36,240
Speaker 3: lot of people did, then you may not be eligible

512
00:20:36,280 --> 00:20:39,720
Speaker 3: for the for the one twenty five. And I wanted

513
00:20:39,760 --> 00:20:41,320
Speaker 3: to also take this chance because you know, when these

514
00:20:41,320 --> 00:20:44,359
Speaker 3: big settlements go out sometimes scammers can use it as

515
00:20:44,400 --> 00:20:48,160
Speaker 3: an opportunity to send out phishing scams, things like ooh,

516
00:20:48,240 --> 00:20:50,120
Speaker 3: did you know that you may be eligible for five

517
00:20:50,200 --> 00:20:52,879
Speaker 3: hundred dollars in the Equifax data breach settlement? You know,

518
00:20:52,960 --> 00:20:55,080
Speaker 3: click this link and give me your Social Security number.

519
00:20:55,440 --> 00:20:57,760
Speaker 3: Don't fall for those types of scams. I haven't seen.

520
00:20:58,080 --> 00:21:00,240
Speaker 3: I haven't seen articles or anything written about any of

521
00:21:00,280 --> 00:21:02,760
Speaker 3: these scams popping up. But since these emails are now

522
00:21:02,800 --> 00:21:05,280
Speaker 3: going out to people, they started going out this past week,

523
00:21:06,040 --> 00:21:08,200
Speaker 3: just be on alert and I will put the link

524
00:21:08,280 --> 00:21:11,199
Speaker 3: in the show notes. But you can go to equifaxbreech

525
00:21:11,240 --> 00:21:15,600
Speaker 3: Settlement dot com to find information on how you can

526
00:21:15,640 --> 00:21:17,760
Speaker 3: file a claim receive you're eligible for something. And I

527
00:21:17,840 --> 00:21:22,120
Speaker 3: also post a link to the FTC dot gov case

528
00:21:22,160 --> 00:21:23,960
Speaker 3: page as well, where you can follow updates.

529
00:21:24,000 --> 00:21:59,920
Speaker 2: So these are our questions something? So I still don't

530
00:21:59,920 --> 00:22:01,080
Speaker 2: know that Dagon confession song.

531
00:22:01,119 --> 00:22:01,960
Speaker 1: Isn't that the same.

532
00:22:03,240 --> 00:22:05,720
Speaker 2: These for those of you, I'm trying to do the

533
00:22:05,760 --> 00:22:08,479
Speaker 2: confession song by Usher and I still don't know the words.

534
00:22:08,480 --> 00:22:10,919
Speaker 3: We're here for you. We'll let you work through it, right.

535
00:22:13,000 --> 00:22:15,600
Speaker 1: Man of something? You know, I'm the worst. I could

536
00:22:15,600 --> 00:22:17,000
Speaker 1: never do name that tune.

537
00:22:17,760 --> 00:22:20,200
Speaker 2: Anyway, It's time for questions by Paper part of the show,

538
00:22:20,200 --> 00:22:23,679
Speaker 2: because you guys ask amazing questions that stretch us, make

539
00:22:23,760 --> 00:22:25,520
Speaker 2: us grow most of the time.

540
00:22:25,520 --> 00:22:27,720
Speaker 1: Manager are now on the same page. Sometimes we have

541
00:22:27,760 --> 00:22:30,679
Speaker 1: differences of opinion, then we back it out to the

542
00:22:30,800 --> 00:22:38,200
Speaker 1: death and whoever wins that I know, just joking, Yes, questions.

543
00:22:37,720 --> 00:22:40,040
Speaker 3: Questions, So we've I'm going to hit up Instagram first

544
00:22:40,080 --> 00:22:42,000
Speaker 3: because you've got a couple of good questions there. And again,

545
00:22:42,040 --> 00:22:44,560
Speaker 3: you guys can send us your questions on by a

546
00:22:44,560 --> 00:22:49,040
Speaker 3: direct message on Instagram at Brand Ambition Podcast on Instagram,

547
00:22:49,160 --> 00:22:52,000
Speaker 3: or you can email us directly at Brandambisson Podcast at

548
00:22:52,040 --> 00:22:55,720
Speaker 3: gmail dot com. You can also go to brannibisionpodcast dot

549
00:22:55,760 --> 00:22:59,879
Speaker 3: com and click ask us anything. So let's go with listener.

550
00:23:00,400 --> 00:23:04,040
Speaker 3: She's at Katrine Katrine on Instagram and this is a

551
00:23:04,160 --> 00:23:07,280
Speaker 3: creepy financial advisor question. She says, So, I know this

552
00:23:07,320 --> 00:23:09,879
Speaker 3: person who's a financial advisor. He's helped me invest in

553
00:23:09,880 --> 00:23:12,800
Speaker 3: a mutual fund. He's been pressing me lately for a

554
00:23:12,800 --> 00:23:14,840
Speaker 3: bit to look at my life insurance. So I let

555
00:23:14,920 --> 00:23:16,520
Speaker 3: him see it, and he told me there were other

556
00:23:16,560 --> 00:23:19,879
Speaker 3: insurance policies that he could provide with better benefits. He

557
00:23:19,920 --> 00:23:21,919
Speaker 3: followed up and I told him I wasn't ready to

558
00:23:21,920 --> 00:23:24,480
Speaker 3: make any changes. He pretty much sent me a message

559
00:23:24,480 --> 00:23:26,439
Speaker 3: saying what do I need more time to think about,

560
00:23:26,520 --> 00:23:29,240
Speaker 3: and that it's a no brainer. I always feel pressured

561
00:23:29,240 --> 00:23:31,280
Speaker 3: by him, and I don't feel comfortable when he does that.

562
00:23:31,640 --> 00:23:34,399
Speaker 3: I've had this issue before, feeling like he's being pushy

563
00:23:34,440 --> 00:23:37,040
Speaker 3: to get me to do certain things. My question is

564
00:23:37,040 --> 00:23:37,719
Speaker 3: is this normal?

565
00:23:37,960 --> 00:23:41,480
Speaker 1: Honestly? Well, I don't know, honestly.

566
00:23:43,480 --> 00:23:49,639
Speaker 2: You know that sound honestly anyway? Focus I know, so

567
00:23:50,359 --> 00:23:53,560
Speaker 2: I wouldn't say honestly. Most financial advisors of planners. I

568
00:23:53,600 --> 00:23:55,720
Speaker 2: don't find them to be terrible people, but every once

569
00:23:55,760 --> 00:23:57,880
Speaker 2: in a while you get one. He sounds like one

570
00:23:57,880 --> 00:24:04,040
Speaker 2: of them. You should not feel pressured by any service provider, doctor, lawyer,

571
00:24:04,680 --> 00:24:08,840
Speaker 2: You know a financial plan advisor. Here's the reason why

572
00:24:08,880 --> 00:24:11,800
Speaker 2: he's pressuring you is because he gets paid when you

573
00:24:11,840 --> 00:24:14,960
Speaker 2: buy things from him. And that's a huge red flag

574
00:24:15,280 --> 00:24:18,639
Speaker 2: because if he's pressuring you, are you looking how is

575
00:24:18,680 --> 00:24:21,399
Speaker 2: that in your best interest? It sounds like he's just

576
00:24:21,440 --> 00:24:24,080
Speaker 2: trying to make a sale and you're not wanting that.

577
00:24:24,119 --> 00:24:25,160
Speaker 1: You should always find.

578
00:24:24,960 --> 00:24:28,440
Speaker 2: A financial planner that you get to drive the boat

579
00:24:28,960 --> 00:24:32,280
Speaker 2: and you never feel like this person is pushing you

580
00:24:32,520 --> 00:24:35,399
Speaker 2: towards something because it's in their best interest. Like honestly,

581
00:24:35,400 --> 00:24:38,960
Speaker 2: financial planners advisors are supposed to be fiduciaries, meaning that

582
00:24:39,000 --> 00:24:42,879
Speaker 2: they're supposed to put your interest above above profit and

583
00:24:42,920 --> 00:24:45,440
Speaker 2: their interest, but not everyone follows that rule.

584
00:24:45,480 --> 00:24:48,040
Speaker 1: So I would drop him like a hot cake sister child.

585
00:24:49,160 --> 00:24:52,240
Speaker 2: So, like I interviewed about thirteen fourteen, because I'm extra

586
00:24:52,600 --> 00:24:55,200
Speaker 2: financial planners before I found the financial planner that I'm

587
00:24:55,200 --> 00:24:57,840
Speaker 2: with now, And that's something I look out for because

588
00:24:58,160 --> 00:25:05,159
Speaker 2: I am a punk down side, and I'm someone who is, like,

589
00:25:05,240 --> 00:25:08,000
Speaker 2: you know, like if you like you could punk me,

590
00:25:08,480 --> 00:25:10,760
Speaker 2: like you know, like Tiffany, come on tepthy, and I'm like, well,

591
00:25:10,800 --> 00:25:14,240
Speaker 2: I just okay, I know that about myself, and so

592
00:25:14,400 --> 00:25:17,320
Speaker 2: I purposely don't surround myself with people that would put

593
00:25:17,359 --> 00:25:19,960
Speaker 2: me in that position, and so you know I wouldn't.

594
00:25:20,320 --> 00:25:21,520
Speaker 1: I would drop him like a hot cake.

595
00:25:21,560 --> 00:25:23,480
Speaker 2: And you don't have to explain, like there are financial

596
00:25:23,520 --> 00:25:25,720
Speaker 2: planners that have done that to me, and then I

597
00:25:25,760 --> 00:25:27,240
Speaker 2: literally just stop picking up the phone.

598
00:25:27,600 --> 00:25:29,800
Speaker 1: That like, because I don't even I'm not good at confrontation.

599
00:25:29,840 --> 00:25:32,439
Speaker 2: It's something I'm working on where I'm like, you know,

600
00:25:32,480 --> 00:25:34,720
Speaker 2: I've asked for something and they try to convince me

601
00:25:34,760 --> 00:25:36,120
Speaker 2: of something else, and I'm like, well, I don't feel

602
00:25:36,119 --> 00:25:38,560
Speaker 2: comfortable that they try to shame me, and I'm like,

603
00:25:38,600 --> 00:25:39,960
Speaker 2: you know what, why am I going back and forth?

604
00:25:40,359 --> 00:25:43,160
Speaker 2: I just will transfer my AC counselor to elsewhere once

605
00:25:43,280 --> 00:25:46,440
Speaker 2: once I find someone new. And then they call call, call, text, text, text,

606
00:25:46,520 --> 00:25:48,280
Speaker 2: and I just ignore it because honestly, I don't owe

607
00:25:48,320 --> 00:25:51,600
Speaker 2: you an explanation if you know, like, if someone treats

608
00:25:51,640 --> 00:25:54,679
Speaker 2: me well, then yes, but if someone's mistreated me, I

609
00:25:54,680 --> 00:25:57,200
Speaker 2: would run for the hills and find someone who is

610
00:25:57,280 --> 00:26:00,679
Speaker 2: not trying to, you know, basically just make money off

611
00:26:00,680 --> 00:26:03,439
Speaker 2: of you, because how do you even know that's the

612
00:26:03,480 --> 00:26:06,680
Speaker 2: right decision, Like, yeah, my financial planner, now I put

613
00:26:06,680 --> 00:26:09,399
Speaker 2: her through the ring. You're poor Angelae, Hey girl, I

614
00:26:09,440 --> 00:26:11,359
Speaker 2: was like and then, and then, and I don't want this,

615
00:26:11,400 --> 00:26:12,920
Speaker 2: and you better And I say that, bro, you better,

616
00:26:13,160 --> 00:26:14,080
Speaker 2: you know, because I was so.

617
00:26:14,119 --> 00:26:16,720
Speaker 1: Nervous because my last one was such a bully. And

618
00:26:16,800 --> 00:26:18,960
Speaker 1: she was like that's fine. Yeah sure. I was like, oh,

619
00:26:19,040 --> 00:26:20,359
Speaker 1: Angelae's nice. Okay.

620
00:26:20,840 --> 00:26:22,400
Speaker 2: So then I could let go of my like, let

621
00:26:22,440 --> 00:26:24,920
Speaker 2: down my guard, and I have not feel pressured, not once.

622
00:26:24,960 --> 00:26:27,719
Speaker 1: She's awesome. So find you with Angelie, okay.

623
00:26:28,320 --> 00:26:31,480
Speaker 3: And when you're vetting financial advisors, don't be afraid to

624
00:26:31,560 --> 00:26:34,280
Speaker 3: ask them how do you make money? Like, just ask that.

625
00:26:34,280 --> 00:26:36,920
Speaker 3: That's a fair question. It's an apps and everyone should

626
00:26:36,920 --> 00:26:39,680
Speaker 3: ask that question so you understand where their motivations are.

627
00:26:40,000 --> 00:26:42,600
Speaker 3: And that's why we're fans of fee only planners because

628
00:26:42,920 --> 00:26:45,119
Speaker 3: you usually pay an upfront fee for their services and

629
00:26:45,160 --> 00:26:47,159
Speaker 3: none of their advice comes with strings attached. They're not

630
00:26:47,240 --> 00:26:50,639
Speaker 3: going to be referring you to products or investments that

631
00:26:50,640 --> 00:26:52,840
Speaker 3: they make a kickback from, because that's kind of the

632
00:26:52,880 --> 00:26:55,280
Speaker 3: old school model of financial planning. You know, you buy

633
00:26:55,320 --> 00:26:57,639
Speaker 3: this insurance who I'm affiliated with, and I get a kickback,

634
00:26:57,760 --> 00:26:59,479
Speaker 3: or you invest in this fund and I get a

635
00:26:59,480 --> 00:27:02,880
Speaker 3: cut of, you know, the the fun fees that you pay.

636
00:27:03,560 --> 00:27:06,280
Speaker 3: So just ask that key question and like Tiff said,

637
00:27:07,160 --> 00:27:10,560
Speaker 3: be be confident in walking away when you're being mistreated.

638
00:27:10,640 --> 00:27:12,359
Speaker 3: And that sounds a little bit awkward because you know

639
00:27:12,440 --> 00:27:14,919
Speaker 3: this guy, but whatever, if he asks you why you

640
00:27:14,960 --> 00:27:17,200
Speaker 3: haven't responded, you know, he probably benefit from you telling

641
00:27:17,240 --> 00:27:18,719
Speaker 3: him the truth. Like he's too damn pushy.

642
00:27:19,280 --> 00:27:21,520
Speaker 1: Mm hm see that's Mandy. I'd be like, oh uh

643
00:27:21,680 --> 00:27:22,240
Speaker 1: so uh.

644
00:27:24,040 --> 00:27:26,600
Speaker 2: Aggressive, yes, I yeah, oh my god, I don't know

645
00:27:26,600 --> 00:27:28,240
Speaker 2: if it's going from a mint of chib, but I'm

646
00:27:28,280 --> 00:27:29,920
Speaker 2: definitely like, yeah, god it so yeah kind.

647
00:27:29,800 --> 00:27:32,520
Speaker 1: Of sort of maybe I was sick and the dog. Yeah,

648
00:27:32,560 --> 00:27:35,520
Speaker 1: so I don't even have a dog, but yeah.

649
00:27:34,800 --> 00:27:37,320
Speaker 2: So I just like I've learned about me that, like

650
00:27:37,359 --> 00:27:40,640
Speaker 2: I honestly don't I make sure that the service providers

651
00:27:40,680 --> 00:27:45,040
Speaker 2: like my doctor, my attorney, my my accountant, like I'm

652
00:27:45,080 --> 00:27:50,119
Speaker 2: really really careful about personality matches with them because I don't,

653
00:27:50,240 --> 00:27:51,760
Speaker 2: like I you know, there's enough in life that you

654
00:27:51,800 --> 00:27:52,520
Speaker 2: have to battle against.

655
00:27:52,520 --> 00:27:53,199
Speaker 1: I don't want to have to.

656
00:27:53,440 --> 00:27:55,359
Speaker 2: Some people aren't good at it, like I find like,

657
00:27:55,359 --> 00:27:57,920
Speaker 2: for example, my my my best friend Drina is really.

658
00:27:58,520 --> 00:28:00,960
Speaker 1: Good at like you know, people don't punk her.

659
00:28:01,280 --> 00:28:03,920
Speaker 2: But like I know me so knowing that and knowing you,

660
00:28:04,000 --> 00:28:07,360
Speaker 2: I mean, not that you're like me, but knowing yourself.

661
00:28:07,560 --> 00:28:09,399
Speaker 2: You have to just make sure that whoever that you

662
00:28:09,520 --> 00:28:11,920
Speaker 2: choose as who are going to offer you financial advice,

663
00:28:11,920 --> 00:28:14,120
Speaker 2: that you're gonna feel super comfortable with them, the same

664
00:28:14,160 --> 00:28:16,200
Speaker 2: way you want to feel super comfortable with your doctor,

665
00:28:16,640 --> 00:28:20,280
Speaker 2: because you basically have to tell them all your business

666
00:28:20,720 --> 00:28:22,360
Speaker 2: so they can fully help you. And if you don't

667
00:28:22,400 --> 00:28:24,639
Speaker 2: feel comfortable enough to do that, Like I was just

668
00:28:24,640 --> 00:28:26,800
Speaker 2: talking to Carlos who's my accountant, the other day and

669
00:28:26,840 --> 00:28:31,040
Speaker 2: he I'm introducing him and Angeline because it's important that

670
00:28:31,040 --> 00:28:33,320
Speaker 2: my accountant and my financial planner know, you know, know what's

671
00:28:33,320 --> 00:28:35,520
Speaker 2: going on in and Carlos text me He's like, hey,

672
00:28:35,920 --> 00:28:37,840
Speaker 2: you know, I'm about to send over your tax information

673
00:28:37,880 --> 00:28:41,320
Speaker 2: to Angeline as requested. You know, I have some like

674
00:28:42,000 --> 00:28:43,880
Speaker 2: feedback to share, but I don't want to seem like

675
00:28:43,880 --> 00:28:45,560
Speaker 2: i'mashking you. I said, Carlos, I know I'm a mess.

676
00:28:45,760 --> 00:28:47,920
Speaker 2: Tell my business tail it all, Carlos, And he was like, okay,

677
00:28:47,960 --> 00:28:49,960
Speaker 2: because I've already bett at Angelie. For you have to

678
00:28:49,960 --> 00:28:52,080
Speaker 2: be in a position where I'm like, he can share

679
00:28:52,360 --> 00:28:54,480
Speaker 2: the good, the bad, what he feels like I could

680
00:28:54,480 --> 00:28:57,800
Speaker 2: be doing better, because ultimately that's how both of them

681
00:28:57,840 --> 00:29:01,280
Speaker 2: are going to help me and and super Man do better.

682
00:29:01,640 --> 00:29:05,200
Speaker 2: But I only can open up to folks that I

683
00:29:05,200 --> 00:29:07,720
Speaker 2: can fully trust and they've earned my trust. So make

684
00:29:07,800 --> 00:29:09,920
Speaker 2: somebody work and earn your trust.

685
00:29:10,240 --> 00:29:13,160
Speaker 3: Yeah, yeah, all right, let's take one more question. This

686
00:29:13,240 --> 00:29:15,880
Speaker 3: one comes from an Instagram user who'd like to remain anonymous.

687
00:29:15,880 --> 00:29:18,720
Speaker 3: Perfectly fine, okay, She says, I have a question about

688
00:29:18,720 --> 00:29:21,120
Speaker 3: health insurance. I just turned twenty six, and I'm no

689
00:29:21,160 --> 00:29:24,200
Speaker 3: longer eligible for coverage under my mom's plan. I'm an

690
00:29:24,200 --> 00:29:27,640
Speaker 3: independent contractor, so I don't qualify for benefits with my job.

691
00:29:27,800 --> 00:29:29,920
Speaker 3: Should I shop for plans on my own? If so,

692
00:29:30,240 --> 00:29:32,120
Speaker 3: where do I start? How do you choose a plan?

693
00:29:32,720 --> 00:29:35,040
Speaker 3: Thank you for your time. Oh, turn in twenty six,

694
00:29:35,120 --> 00:29:38,120
Speaker 3: So this all ties back to the Affordable Care Act,

695
00:29:38,240 --> 00:29:42,640
Speaker 3: and thank goodness, you know the Republicans or Trump haven't

696
00:29:42,680 --> 00:29:45,960
Speaker 3: succeeded in dismantling it entirely. At this point in time,

697
00:29:46,000 --> 00:29:47,640
Speaker 3: if you're up to twenty six years old, you can

698
00:29:47,640 --> 00:29:51,000
Speaker 3: still piggyback on your parents health plan without you need

699
00:29:51,000 --> 00:29:53,760
Speaker 3: to get your own plan. But yeah, once you're twenty six,

700
00:29:53,800 --> 00:29:58,240
Speaker 3: it's time to grow up and find your own. If

701
00:29:58,280 --> 00:30:01,480
Speaker 3: you're looking at getting a help planned through the health

702
00:30:01,480 --> 00:30:05,000
Speaker 3: insurance marketplace, you can go to healthcare dot gov to

703
00:30:05,080 --> 00:30:09,040
Speaker 3: get started. Some states have their own marketplaces set up.

704
00:30:09,040 --> 00:30:11,320
Speaker 3: I think New York City is one of them, for example.

705
00:30:11,680 --> 00:30:13,920
Speaker 3: But it's basically the same thing. You can shop and

706
00:30:14,000 --> 00:30:18,160
Speaker 3: compare plans right there in their own little in their

707
00:30:18,160 --> 00:30:20,840
Speaker 3: own little system, and it should be relatively easy to do.

708
00:30:21,240 --> 00:30:23,000
Speaker 3: But that's maybe where I would start.

709
00:30:23,920 --> 00:30:26,400
Speaker 1: That's good and also too, there's that website.

710
00:30:26,480 --> 00:30:26,959
Speaker 2: Is it still a lot?

711
00:30:27,040 --> 00:30:29,280
Speaker 1: Let me check. It's Policy Genius.

712
00:30:30,200 --> 00:30:32,440
Speaker 3: Yeah, Policy Genius, Yeah, they still exist.

713
00:30:33,120 --> 00:30:35,880
Speaker 1: Yeah, So it's just this like free website. I remember

714
00:30:35,960 --> 00:30:38,719
Speaker 1: years ago when I was looking for insurance.

715
00:30:39,040 --> 00:30:40,800
Speaker 2: What I liked about it is that, like I kind

716
00:30:40,800 --> 00:30:43,640
Speaker 2: of because I went to the you know whatever the

717
00:30:43,720 --> 00:30:45,680
Speaker 2: affordable healthcare website was, and I.

718
00:30:45,640 --> 00:30:48,200
Speaker 1: Was like comb used. But one I did like the

719
00:30:48,240 --> 00:30:49,040
Speaker 1: fact that I did get on.

720
00:30:49,040 --> 00:30:51,720
Speaker 2: The phone with a like a woman who was super

721
00:30:51,840 --> 00:30:54,440
Speaker 2: nice and she really helped and helped me to like navigate.

722
00:30:54,720 --> 00:30:56,959
Speaker 2: But what I liked about Policy Genius is that I

723
00:30:56,960 --> 00:30:59,520
Speaker 2: put on all my stuff and it waded through for me.

724
00:30:59,600 --> 00:31:01,800
Speaker 2: It was like here, based upon what you said, tif

725
00:31:01,840 --> 00:31:04,480
Speaker 2: me here the three that will fit, and policy Genius

726
00:31:04,480 --> 00:31:05,000
Speaker 2: doesn't just do.

727
00:31:05,080 --> 00:31:07,239
Speaker 1: I'm just looking at it now. Back then it was

728
00:31:07,400 --> 00:31:08,200
Speaker 1: just health insurance.

729
00:31:08,200 --> 00:31:09,760
Speaker 2: But now it looks like they have life insurance, aren't

730
00:31:09,760 --> 00:31:12,640
Speaker 2: insurance disability, they can even they even do an insurance checkup.

731
00:31:12,640 --> 00:31:14,160
Speaker 1: I'm like, okay, Holsey genius.

732
00:31:14,320 --> 00:31:16,640
Speaker 2: But like I said, back then, I used it specifically

733
00:31:16,640 --> 00:31:18,880
Speaker 2: and I found this is before I got married and

734
00:31:18,880 --> 00:31:23,440
Speaker 2: I got my good insurance and so like my husband's

735
00:31:23,480 --> 00:31:26,560
Speaker 2: got great insurance because he works for the state, well

736
00:31:26,800 --> 00:31:29,280
Speaker 2: the city, but he's got state insurance.

737
00:31:29,320 --> 00:31:32,120
Speaker 1: But anyway, but before then, yeah, policy.

738
00:31:31,840 --> 00:31:34,040
Speaker 2: Genius was just an easy tool and it was easy

739
00:31:34,080 --> 00:31:36,240
Speaker 2: to navigate, and I wasn't so overwhelmed.

740
00:31:36,640 --> 00:31:39,400
Speaker 3: Well, one thing I wanted to clarify. I mentioned the

741
00:31:39,440 --> 00:31:43,440
Speaker 3: tax penalty. So one thing that the Republicans have done

742
00:31:43,640 --> 00:31:47,480
Speaker 3: in Congress or ALEXI officials have done is starting in

743
00:31:47,480 --> 00:31:50,200
Speaker 3: twenty nineteen, I'm getting this from Healthcare doc of right now,

744
00:31:50,480 --> 00:31:54,280
Speaker 3: starting in twenty nineteen, the tax penalty for not having

745
00:31:54,320 --> 00:31:57,680
Speaker 3: insurance no longer applies, which means, if you don't have

746
00:31:57,760 --> 00:31:59,680
Speaker 3: health insurance in twenty nineteen, when you go to file

747
00:31:59,720 --> 00:32:03,680
Speaker 3: tax in April twenty twenty for this tax year, you

748
00:32:03,720 --> 00:32:07,880
Speaker 3: won't have to worry about a tax penalty, so that

749
00:32:08,800 --> 00:32:11,920
Speaker 3: you know, doesn't quite incentivize people to have insurance anymore,

750
00:32:11,920 --> 00:32:14,200
Speaker 3: which kind of sucks, but it is what it is.

751
00:32:30,680 --> 00:32:34,800
Speaker 1: Now, it's time to boost a break for all our

752
00:32:34,960 --> 00:32:38,320
Speaker 1: vision family. Will you boost? Will you break well? Will

753
00:32:38,360 --> 00:32:40,840
Speaker 1: you do? Mandy Hey? Will you booster? Will you break well?

754
00:32:40,880 --> 00:32:44,120
Speaker 1: Will you do? Man d Hey? Will you boost? Or

755
00:32:44,200 --> 00:32:46,520
Speaker 1: will you break? What? Will you do? This is the

756
00:32:46,560 --> 00:32:47,920
Speaker 1: thing we need to name.

757
00:32:47,960 --> 00:32:49,960
Speaker 3: This is like singing double Dutch. I'm like, where do

758
00:32:50,040 --> 00:32:50,480
Speaker 3: I jump in?

759
00:32:51,440 --> 00:32:53,360
Speaker 2: I'm gonna call this album. We're gonna call this the

760
00:32:53,440 --> 00:32:55,480
Speaker 2: musical Edition. So are you gonna have the us that

761
00:32:55,520 --> 00:32:56,360
Speaker 2: you're gonna have a break.

762
00:32:56,640 --> 00:32:58,560
Speaker 3: I'm gonna do a boost. I'm gonna do a boost.

763
00:32:59,000 --> 00:33:00,959
Speaker 3: I saw this article, well, I don't know. It came up,

764
00:33:01,040 --> 00:33:03,280
Speaker 3: let me see, maybe a week ago in the Washington Post.

765
00:33:03,360 --> 00:33:05,680
Speaker 3: And actually a couple of our listeners sent it to

766
00:33:05,800 --> 00:33:07,800
Speaker 3: us on Twitter and through emails. So thank you guys

767
00:33:07,840 --> 00:33:11,000
Speaker 3: for sending us great reading material. But there's an article

768
00:33:11,000 --> 00:33:13,960
Speaker 3: in the Washington Post. The headline was is this isn't

769
00:33:14,000 --> 00:33:18,040
Speaker 3: another horror story about black motherhood? And it's by Helena

770
00:33:18,120 --> 00:33:21,000
Speaker 3: Andrews Dyer, who actually was one of the women who

771
00:33:21,040 --> 00:33:24,920
Speaker 3: apparently founded this conference called the Mom Frience, which is

772
00:33:24,960 --> 00:33:27,800
Speaker 3: a gathering. It just happened this past May, and they're

773
00:33:27,840 --> 00:33:30,040
Speaker 3: doing another one in twenty twenty. But it was meant

774
00:33:30,040 --> 00:33:33,040
Speaker 3: to be an opportunity in a place for women of

775
00:33:33,080 --> 00:33:36,600
Speaker 3: color who are either have kids or are expecting kids

776
00:33:36,680 --> 00:33:38,800
Speaker 3: or want kids or whatever to get together and be

777
00:33:39,400 --> 00:33:43,200
Speaker 3: just live in yourself, like just express yourselves, be in

778
00:33:43,200 --> 00:33:46,440
Speaker 3: one group together and kind of like get away from

779
00:33:46,440 --> 00:33:51,360
Speaker 3: the headlines around black mother mortality. Because a few years ago,

780
00:33:51,400 --> 00:33:54,760
Speaker 3: what prompted this is, you know, all those headlines there

781
00:33:54,840 --> 00:33:57,040
Speaker 3: was just like the headline after headline, story after a

782
00:33:57,040 --> 00:34:00,640
Speaker 3: story about how black women in America have higher mortality

783
00:34:00,720 --> 00:34:04,960
Speaker 3: rates and during childbirth have more complications, more likely to

784
00:34:04,960 --> 00:34:08,680
Speaker 3: die in child labor. You know, really really depressing statistics

785
00:34:08,719 --> 00:34:12,560
Speaker 3: and important statistics because it's important for us to understand

786
00:34:12,560 --> 00:34:16,040
Speaker 3: how our healthcare system mistreats women of color. But these

787
00:34:16,040 --> 00:34:18,920
Speaker 3: women essentially said, you know, let's let's get together and

788
00:34:19,000 --> 00:34:22,879
Speaker 3: celebrate black motherhood. Let's get together and celebrate black black

789
00:34:22,920 --> 00:34:26,640
Speaker 3: woman joy. And they created this conference called the Mom Friends.

790
00:34:26,680 --> 00:34:28,880
Speaker 3: So I wanted to give them a shout out and

791
00:34:29,040 --> 00:34:31,879
Speaker 3: get this article a shout out, because as a woman

792
00:34:31,920 --> 00:34:35,680
Speaker 3: of color who's having a child right now, they're going

793
00:34:35,719 --> 00:34:38,880
Speaker 3: to have a child soon, I just found this really heartening,

794
00:34:38,960 --> 00:34:41,399
Speaker 3: especially because, like I know, last week we were talking

795
00:34:41,400 --> 00:34:44,600
Speaker 3: about the isolation you can feel when you're about to

796
00:34:44,600 --> 00:34:47,120
Speaker 3: have a kid. I definitely feel a little isolated, you know,

797
00:34:47,200 --> 00:34:49,200
Speaker 3: being in my bubble in the suburbs, away from the

798
00:34:49,200 --> 00:34:51,919
Speaker 3: city now, away from a lot of my friends, and

799
00:34:52,000 --> 00:34:53,400
Speaker 3: I was like, damn, maybe I should go with the

800
00:34:53,440 --> 00:34:55,160
Speaker 3: mom friends. This sounds kind of dope.

801
00:34:55,719 --> 00:34:58,759
Speaker 1: That does sounds though, Yeah, so check it out.

802
00:34:59,040 --> 00:35:02,120
Speaker 3: The website is let me see the mom friends like

803
00:35:02,280 --> 00:35:06,959
Speaker 3: mom m M friends conference dot com. Check it out.

804
00:35:07,560 --> 00:35:13,920
Speaker 2: Okay, well, I am going to boos just a simple booth. Lately,

805
00:35:14,000 --> 00:35:19,920
Speaker 2: my my designer is taking me round and round to

806
00:35:20,040 --> 00:35:22,560
Speaker 2: these kind of like mom and pop, like you know,

807
00:35:23,000 --> 00:35:26,880
Speaker 2: secondhand thrift stores. But they're like really beautiful, beautifully curated,

808
00:35:27,080 --> 00:35:28,319
Speaker 2: and I just want to shout out. When I went

809
00:35:28,360 --> 00:35:34,000
Speaker 2: to today, it's run by miss uh Ramea.

810
00:35:34,040 --> 00:35:36,319
Speaker 1: The her name, no, yeah, no, it is miss Ramea.

811
00:35:36,480 --> 00:35:37,560
Speaker 1: And she was just so nice.

812
00:35:37,600 --> 00:35:40,200
Speaker 2: So first of all, walked in, she's a woman of

813
00:35:40,239 --> 00:35:42,520
Speaker 2: a certain age and I walked.

814
00:35:42,239 --> 00:35:45,640
Speaker 1: In so and she was like, oh, but she needs that.

815
00:35:45,760 --> 00:35:48,360
Speaker 2: So it's so shocking because I was like, Okay, she

816
00:35:48,400 --> 00:35:50,120
Speaker 2: looks like like around my mom's age, so I thought

817
00:35:50,160 --> 00:35:52,480
Speaker 2: that was cute. And but honestly, her shop is so

818
00:35:52,520 --> 00:35:55,520
Speaker 2: beautiful and if this stuff is so curated and just

819
00:35:56,080 --> 00:36:00,840
Speaker 2: she loves mudcloth, which is a tradition no, like I

820
00:36:00,840 --> 00:36:03,040
Speaker 2: don't know if it's African American or African, but either way,

821
00:36:03,239 --> 00:36:05,440
Speaker 2: it's just a beautiful fabric that she gets a lot

822
00:36:05,440 --> 00:36:08,440
Speaker 2: of her things re upholstered in. But it just was

823
00:36:08,440 --> 00:36:10,600
Speaker 2: such such a happy, beautiful place she used to work on,

824
00:36:10,719 --> 00:36:14,160
Speaker 2: like Wall Street, super badass finance lady, I think for

825
00:36:14,200 --> 00:36:16,359
Speaker 2: a long time, and then was like, you know what,

826
00:36:16,520 --> 00:36:18,719
Speaker 2: y'all not going to kill me up in here. Got

827
00:36:18,760 --> 00:36:20,640
Speaker 2: to start my own thing where I can control my

828
00:36:20,680 --> 00:36:24,160
Speaker 2: own energy. And her place is absolutely gorgeous, and the

829
00:36:24,280 --> 00:36:27,279
Speaker 2: energy in her place is just absolutely gorgeous. And I

830
00:36:27,320 --> 00:36:29,799
Speaker 2: don't know, lately, I've just been really like enjoying, like, oh,

831
00:36:29,960 --> 00:36:33,640
Speaker 2: picking out like really personal pieces versus I mean, don't

832
00:36:33,640 --> 00:36:36,000
Speaker 2: get me wrong, Wayfair has held me down for like

833
00:36:36,000 --> 00:36:37,280
Speaker 2: the like you know, the big things.

834
00:36:37,640 --> 00:36:39,279
Speaker 1: But now I'm trying. I'm starting to get into.

835
00:36:39,200 --> 00:36:42,080
Speaker 2: The weeds of like a stool and a little tray,

836
00:36:42,360 --> 00:36:44,680
Speaker 2: you know, and those things that like make all the difference.

837
00:36:44,680 --> 00:36:47,919
Speaker 2: So just shouting her out. Her store is called may

838
00:36:48,040 --> 00:36:52,080
Speaker 2: Rou Amina Vintage Gallery, Vintage and Gallery, and she is

839
00:36:52,280 --> 00:36:55,440
Speaker 2: located in Balloomfield, New Jersey. So that's mayrou M e

840
00:36:55,600 --> 00:36:59,759
Speaker 2: are you Amina Vintage and Gallery and just you know,

841
00:37:00,040 --> 00:37:03,160
Speaker 2: and oh her her instagram in case you want to

842
00:37:03,200 --> 00:37:04,880
Speaker 2: see some of her things as they're beautiful.

843
00:37:04,920 --> 00:37:09,479
Speaker 1: Is a noura a and o a r a h

844
00:37:10,160 --> 00:37:10,520
Speaker 1: I m.

845
00:37:10,680 --> 00:37:13,680
Speaker 2: H a noura I mean Ramia, I'm like the worst,

846
00:37:13,840 --> 00:37:15,560
Speaker 2: like you would think I was never teaching preschool and

847
00:37:15,600 --> 00:37:16,040
Speaker 2: I could read.

848
00:37:16,080 --> 00:37:16,920
Speaker 1: I can read a spell.

849
00:37:17,480 --> 00:37:19,360
Speaker 2: But either way, I'm just sharing it just because I

850
00:37:19,440 --> 00:37:23,200
Speaker 2: just love to see another sister who has, you know,

851
00:37:23,440 --> 00:37:26,080
Speaker 2: like chosen how she wants her life to go and

852
00:37:26,120 --> 00:37:30,880
Speaker 2: it's not traditional and it's beautiful, you know. The environment

853
00:37:30,960 --> 00:37:33,279
Speaker 2: she's created is beautiful. The pieces she has and they

854
00:37:33,280 --> 00:37:35,279
Speaker 2: are beautiful. They're so well priced. I mean, I bought

855
00:37:35,320 --> 00:37:37,799
Speaker 2: some things today that I mean, I honestly probably bought

856
00:37:37,840 --> 00:37:40,520
Speaker 2: six things today three hundred dollars, and one of them

857
00:37:40,560 --> 00:37:43,239
Speaker 2: was a rug all together, a rug itself is usually

858
00:37:43,280 --> 00:37:46,760
Speaker 2: three hundred let alone a rug, two lamps, a tray.

859
00:37:47,360 --> 00:37:50,680
Speaker 2: I mean just yeah, the Budgetiza in me was gleeful

860
00:37:50,760 --> 00:37:53,000
Speaker 2: and jumping up and down. But then the Tiffany in me,

861
00:37:53,120 --> 00:37:55,120
Speaker 2: the African girl in me, was like, yes, but these

862
00:37:55,160 --> 00:37:58,920
Speaker 2: beautiful like items and things that people loved before you

863
00:37:58,920 --> 00:38:01,960
Speaker 2: could feel the love when you touch them. So that

864
00:38:02,160 --> 00:38:05,759
Speaker 2: is my best baboos or whatever, you know, just like

865
00:38:06,200 --> 00:38:10,120
Speaker 2: supporting local businesses, especially women owned businesses, especially women own

866
00:38:10,120 --> 00:38:10,960
Speaker 2: brown businesses.

867
00:38:12,440 --> 00:38:13,400
Speaker 1: So yeah, that's my boost.

868
00:38:13,800 --> 00:38:15,880
Speaker 3: Well, thanks for making me feel like crap because I

869
00:38:15,920 --> 00:38:18,680
Speaker 3: had a real I had a real bad emotional spending

870
00:38:18,680 --> 00:38:20,120
Speaker 3: sp your home goods last Friday.

871
00:38:21,680 --> 00:38:24,400
Speaker 1: But that's really you know, I live at home goods. Honestly.

872
00:38:24,440 --> 00:38:26,919
Speaker 2: That's why I said it's been nice because honestly it's

873
00:38:26,920 --> 00:38:31,040
Speaker 2: been home goods. It's been pottery, barn Way Fair, all modern.

874
00:38:31,040 --> 00:38:33,359
Speaker 2: They've gotten like most of my money, so it's been

875
00:38:33,440 --> 00:38:36,040
Speaker 2: nice to kind of, like I would say, the last week,

876
00:38:36,840 --> 00:38:41,719
Speaker 2: my designer Rihanna, she's remained home on Instagram. She has

877
00:38:41,719 --> 00:38:43,920
Speaker 2: been taking me to these like smaller places, which has

878
00:38:43,920 --> 00:38:46,120
Speaker 2: been nice because I've not This is like the first

879
00:38:46,120 --> 00:38:49,759
Speaker 2: time we've done that. So yeah, no, believe me, Home

880
00:38:49,760 --> 00:38:51,919
Speaker 2: Goods has gotten all my coin. I'm like, and here's

881
00:38:51,920 --> 00:38:53,880
Speaker 2: some more and some more. So, like I said, it

882
00:38:53,920 --> 00:38:57,320
Speaker 2: was nice to kind of go someplace where I got things, because, honestly,

883
00:38:57,360 --> 00:38:59,200
Speaker 2: the truth is, some of the things that I purchased

884
00:38:59,200 --> 00:39:01,399
Speaker 2: would be two or three times more if I would

885
00:39:01,400 --> 00:39:03,239
Speaker 2: to see them at Home good So to get a

886
00:39:03,239 --> 00:39:05,759
Speaker 2: good deal, to support a local business, and you know,

887
00:39:05,920 --> 00:39:08,000
Speaker 2: to bring some soul into the house is really nice.

888
00:39:08,520 --> 00:39:08,920
Speaker 1: Love it.

889
00:39:08,960 --> 00:39:10,279
Speaker 3: Shoot me the link and I'll put it in the

890
00:39:10,280 --> 00:39:10,800
Speaker 3: show notes.

891
00:39:11,840 --> 00:39:12,399
Speaker 2: I will.

892
00:39:13,200 --> 00:39:15,000
Speaker 3: That's the show. Thanks for coming