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Speaker 1: Holiday holiday is Monday?

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Speaker 2: Is that okay?

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Speaker 3: That's a holiday, Madonna? Come on, I was.

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Speaker 2: Gonna say it would be it would be so nice.

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Speaker 3: That's the right, that's the right song. Y'all got us

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Speaker 3: working on a holiday.

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Speaker 2: Yes see, the love that love.

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Speaker 3: You are laboring, it's the labor of love. On this

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Speaker 3: labor day, I.

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Speaker 2: Have to come to my old echoey office just to

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Speaker 2: get away from all the bumping sounds of Newark, of

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Speaker 2: people playing their amazing music and cooking their delicious food refuge.

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Speaker 2: I know. I mean, I'm not even gonna lie. I'm like,

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Speaker 2: I'm all right, but I'm like, I'm not. I mean,

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Speaker 2: I put on like two pounds from the ten that

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Speaker 2: I lost, and I'm like, but why I'm eating grass?

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Speaker 3: Listen? I was. I almost was glad to tell you

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Speaker 3: the story of the ribs that I had this weekend.

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Speaker 3: And then I remember who I was talking to.

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Speaker 2: And I love watching the Food Channel. You should just

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Speaker 2: see me looking mouth a gape, like, oh it looks

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Speaker 2: so good. Oh, but I'm holding on. I'm holding on,

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Speaker 2: Oh holding on. I mean, I do have way more energy.

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Speaker 2: My skin is on fleak. My sister's like, what is

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Speaker 2: going on? With your skin. It looks amazing. I'm like,

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Speaker 2: I know, but like gaining the two pounds was very

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Speaker 2: discouraging because I'm like, why, I'm literally not eating anything.

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Speaker 2: I mean I'm eating, but you know, like I'm not,

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Speaker 2: and I'm I don't know. Maybe it's the carves I don't.

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Speaker 2: I mean, well, I'm carving out.

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Speaker 3: You can weigh two pounds less in the morning, and

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Speaker 3: the end of the day you'll like gain four pounds,

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Speaker 3: like the body just just maybe you just need to

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Speaker 3: go to the bathroom and then like it'll be down

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Speaker 3: like two two rounds. I feel like, I feel like

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Speaker 3: weighing yourself is almost like googling yourself. Like if you're

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Speaker 3: gonna weigh yourself and you see the good news, you

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Speaker 3: have to always be prepared for like the bad news too,

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Speaker 3: Like for every good headline about yourself, you're gonna read

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Speaker 3: something terrible and it's just like the gamble, the risk

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Speaker 3: you take when you get on that scale.

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Speaker 2: No, you're right though, because every day I'm like, come on,

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Speaker 2: come on, come on, scale, and I'm like, they get

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Speaker 2: off the scale.

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Speaker 3: I mean really, like for me, it's more about can

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Speaker 3: I get in these pants? Can I get in those pants.

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Speaker 3: This is a good day. I certainly can't get into

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Speaker 3: any pants because this Labor Day weekend. We came back early,

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Speaker 3: but we went to a friend's place who has this

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Speaker 3: really nice, really nice home on a lake like upstate

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Speaker 3: close to Syracuse, and they had been talking about going

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Speaker 3: to this fair and I wasn't really paying attention because

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Speaker 3: work was kind of all over the place, and I

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Speaker 3: was like, yeah, yeah, yeah, I'll be there, I'll be

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Speaker 3: there whatever. I had no idea. It was like the

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Speaker 3: New York State Fair. This thing was massive. It was

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Speaker 3: like three football fields wide. There wasn't just one ferris wheel,

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Speaker 3: that were three ferris wheels. There were giraffes. I fed.

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Speaker 3: I fed a giraffe at the fair. It was the

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Speaker 3: coolest thing ever. Yeah you could. I felt really bad, Okay,

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Speaker 3: I felt I stole some kids. Joy It's just a

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Speaker 3: little bit because I had an advantage being a tall

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Speaker 3: person in a crowd of children and children I can't

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Speaker 3: and you know, you spend your two dollars, you get

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Speaker 3: a little bag of corn, I mean a little bag

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Speaker 3: of carrot sticks, and everyone else seemed to get the

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Speaker 3: bag with like the big carrot sticks, the long ones

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Speaker 3: and I got the little like the baby carrot sticks

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Speaker 3: and I was like, damn, I gotta get really close

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Speaker 3: to this giraffe now. But yeah, the giraffe he leaned

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Speaker 3: over and their tongues are so long and yeah there

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Speaker 3: so long and they're like black and anyway, it was awesome.

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Speaker 3: But I guess after I finished my bag of carrots,

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Speaker 3: he got really full and he just like sat down and.

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Speaker 2: Was not I'm good. I know they're like, I hate

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Speaker 2: that girl.

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Speaker 3: No, it was the best. We were the rides and

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Speaker 3: ate the funnel cake and got dinosaur barbecue and it

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Speaker 3: was just like a It was like a six hour,

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Speaker 3: eight hour day at the which I haven't done that ever.

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Speaker 2: Like country fairs, they're really big. Like we were talking about.

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Speaker 3: The was it Montana, Minnesota?

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Speaker 2: Minnesota. I know it's an m but like they have

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Speaker 2: a huge fair and people are like it's an event

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Speaker 2: I've always wanted to go to, like you know, like

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Speaker 2: one of the fingers that you see on TV where

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Speaker 2: it's like this huge event.

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Speaker 3: They had butter sculptures, They had a dare there was

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Speaker 3: like one hole. Yeah, there was like a butter sculpture

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Speaker 3: exhibit where they had the butter. It was a scene

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Speaker 3: all carved out of butter life sized men. They were

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Speaker 3: like dairy farmers. Yeah I'm not kidding. And that was

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Speaker 3: in the middle of a giant like expo for milk.

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Speaker 3: So they had like all the ice cream. There's like

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Speaker 3: a chocolate milk bar, like they literally had chocolate milk

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Speaker 3: on tap and then you can go from there to

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Speaker 3: the real dairy bar in which was like all these

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Speaker 3: prize winning cows. I know, you think of like cows

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Speaker 3: being like the stinky like spotted cows you see on

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Speaker 3: the side of the road or whatever. I want. Beautiful

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Speaker 3: cows exist and they were in this. They were like gorgeous.

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Speaker 3: They all had nice like reddish brown coats and they

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Speaker 3: were just like, oh.

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Speaker 2: These are the the supermata cows.

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Speaker 3: Yeah, theah Victoria's secret counts.

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Speaker 2: Wow, just walk up these cows out like you could

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Speaker 2: never your cow could never.

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Speaker 3: And it didn't even smell that bad. They were like

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Speaker 3: being groomed and like all their you know, their droppings

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Speaker 3: were being carted away because.

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Speaker 2: Wow, these cows are live in a live These are

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Speaker 2: those privileged cows that talk about cow lives matter. We're like,

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Speaker 2: we do cow lives matter.

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Speaker 3: This is the one percent. You came to brand ambition

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Speaker 3: to learn about uh both big phones and dairy cows. No,

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Speaker 3: it was. It was a great time at a good time.

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Speaker 3: And now I'm so worn out. I don't have any

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Speaker 3: plans for the actual Labor Day holiday.

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Speaker 2: I don't know me either, really, honestly, my plans are

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Speaker 2: too I guess I'll make myself a veggie burger because

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Speaker 2: everybody else is going to be eating delicious charred meat

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Speaker 2: that I had to buy from the supermarket, but in exchange,

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Speaker 2: Superman did all the cleaning. I hate cleaning, honestly. One

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Speaker 2: of the things when I finally get this house, I'll

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Speaker 2: give you guys an update soon. But when I finally

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Speaker 2: get this house, man, one of the first things I'm

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Speaker 2: gonna do is get myself a not a housekeeper, but

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Speaker 2: like a cleaning service at least twice a month.

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Speaker 3: That's a nice treat for yourself.

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Speaker 2: I am because honestly, I hate I mean, I don't

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Speaker 2: the dishes are but I hate. I'm not gonna mop,

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Speaker 2: It's not gonna happen. I don't like sweeping. I hate

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Speaker 2: doing the bathroom like I hate cleaning, So I'm always

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Speaker 2: like switching off with Superman, because yeah, he actually is,

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Speaker 2: like he enjoys like cleaning. Well, I mean it's like therapeutic,

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Speaker 2: Like I like cooking, And although I don't like food shopping,

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Speaker 2: I will exchange food shopping for cleaning. I'm like, well

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Speaker 2: I'll food shop. He's like all right, because he hates

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Speaker 2: food shopping. So you know, we're trying to make it

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Speaker 2: work over here at the Super's house.

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Speaker 3: Do you feel like you're supposed to get You feel

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Speaker 3: like by the time you get married, you're supposed to

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Speaker 3: have the rhythm in place over who does what, and

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Speaker 3: like how the chores are divided. I don't really have

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Speaker 3: a blueprint for this because my parents flit when I

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Speaker 3: was so young. But like, and I am being married now,

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Speaker 3: Like I'm like, why are we bickering over the dishes?

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Speaker 3: It's your turn? No, it's your turn, Like we're literally

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Speaker 3: having but I did it this week, but the trash

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Speaker 3: is stinky. But I didn't put the I didn't put

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Speaker 3: I didn't through the food in the trash. That was you, Like,

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Speaker 3: why can't you put your shoes on the shoe rack? Waddy?

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Speaker 3: You know, like those ridiculous conversations.

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Speaker 2: Yes, yeah, no, you're right. That's why I was like,

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Speaker 2: I'm getting myself well and not that every two weeks

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Speaker 2: it's going to be, but at least it'll take care

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Speaker 2: of like the heavy lifting, you know, like the day

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Speaker 2: to day stuff, Like I don't mind straightening up, like

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Speaker 2: he always says, like whenever it's my time to clean,

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Speaker 2: he's like, you don't clean, you straighten up, And I.

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Speaker 3: Do, like you put all the pile of mail in

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Speaker 3: a little smaller pile.

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Speaker 2: Yes, I straighten everything up. Everything looks all. So if

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Speaker 2: at first you're like, oh, what's me down here, then

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Speaker 2: you realize, wait, it's still the same stuff. It's just

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Speaker 2: well organized. And I'm like, really, well, maybe you could

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Speaker 2: show me how again.

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Speaker 3: As I watched were you a messy? I feel like

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Speaker 3: the big lie of adulthood as well is that you'll

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Speaker 3: get better at stuff as you get older. I've always

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Speaker 3: been a messy kid, and I'm a messy grown up

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Speaker 3: and I am and I.

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Speaker 2: Swear like like my dad is like like Superman, and

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Speaker 2: I'm like my mom, Like my dad used to always

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Speaker 2: fuss with My mom had so much stuff and it

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Speaker 2: was everywhere. My dad was just secretly like throwing stuff

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Speaker 2: away that she wouldn't even miss anywhere until ten years later.

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Speaker 2: She's like, have you seen my lipstick? You know? Ten

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Speaker 2: years later He's like, whatever, I threw that away ten

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Speaker 2: years ago, you didn't even need it. And so that's

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Speaker 2: him now because I'm like, where's my book bag, where's

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Speaker 2: my this? He's like, Tiffany, I like, do those things away?

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Speaker 2: Like three months ago, I'm like, you're doing away? That

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Speaker 2: was my favorite, peeling, skunky book bag. I was gonna

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Speaker 2: wash it. And so I'm trying to do bad. That's

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Speaker 2: so I'm like, you know what if I hire help, like,

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Speaker 2: for example, laundry, I refuse. I hate doing laundry. Not

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Speaker 2: gonna do it, not gonna fold it, no, no, no.

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Speaker 2: The most you can get me to do is put

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Speaker 2: it away. So I've invested, and even though we have

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Speaker 2: a washer dryer, when it's my turn to do the

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Speaker 2: mounds of laundry that three people mysteriously produce, I take

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Speaker 2: it right to the washing fold and I pay my

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Speaker 2: little thirty dollars and kidding me.

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Speaker 3: Yo, I know, oh, I remember you said you you

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Speaker 3: like you had your grand plan to make your sister

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Speaker 3: your personal assistant, and she was gonna do.

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Speaker 2: Your weekend and she was like, and I never got

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Speaker 2: my money back, Eddie change if I would give her

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Speaker 2: like twenty bucks or something and something costs five. I'm like,

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Speaker 2: so Lisa my change. She's like what I mean, but gas,

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Speaker 2: I'm like, it was down the street. And then she

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Speaker 2: wouldn't even bring me my stuff. I'm like, where's my

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Speaker 2: dry cleaning? I got tired, so I'm home, so I'm

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Speaker 2: going to try to bring about tomorrow. I'm like, literally,

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Speaker 2: the dry clean is around the corner, so I could

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Speaker 2: have just gone to get it. So she lasted all

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Speaker 2: of a weekend. So yeah, no, no personal assistant for me,

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Speaker 2: Like I haven't admin for emails, but nobody to run

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Speaker 2: Errand's And honestly it's fine because it was actually more

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Speaker 2: stressed than to do that myself. But yeah, no, I

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Speaker 2: love my They know me. At the washing fold. I'm like,

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Speaker 2: she's like, is you're turning again?

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Speaker 3: I'm like, sure, is, Well, you have a you have

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Speaker 3: a daughter or stepdaughter, and that adds a particular layer

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Speaker 3: to the mix that we don't have to deal with

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Speaker 3: here because we still do or like I do my laundry.

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Speaker 3: He has his hamper, I have my hand. But when

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Speaker 3: you have kids. You're right. My mom would literally spend

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Speaker 3: weekends just doing laundry. It was a never ending thing.

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Speaker 2: It's not even so much her stuff. I find it's

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Speaker 2: mostly like his stuff because he, like what he does

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Speaker 2: for a living is like physical, you know, like flipping

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Speaker 2: apartments and stuff. So it's mostly and I'm usually home

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Speaker 2: in my pj's all day working, so when you really

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Speaker 2: look at the laundry and that sect like, it's mostly

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Speaker 2: his stuff. And like I said, since he does most

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Speaker 2: of the cleaning, I'm like, okay, I'll take care of

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Speaker 2: the laundry. And for the He's always like, isn't that

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Speaker 2: a waste of money? I'm like, uh, for the three

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Speaker 2: hours I didn't have to do laundry, you know what,

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Speaker 2: thirty dollars I'm willing to pay, and I might. I

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Speaker 2: might do that maybe twice a month, so it's not

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Speaker 2: to me. The price is worth it, like sixty bucks

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Speaker 2: a month to not have to like and they fold

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Speaker 2: so well, Like I just picked up today. I was like,

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Speaker 2: thank Sylvia, how did you.

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Speaker 3: Get it all the same size? And the little bag it's.

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Speaker 2: Magical, magical? And then Sylvia knows that there's three but

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Speaker 2: I don't even know halfs I know, like I've never

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Speaker 2: told her, like I've got a husband and a daughter

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Speaker 2: and so but everything she separates all of our things.

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Speaker 2: So it's so great. So like her bag, Like I

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Speaker 2: give Supergirl her bag, I put it in her room

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Speaker 2: so she knows to put her own things away. And

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Speaker 2: so typically I'll put away my things and Superman's things,

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Speaker 2: and if I'm feeling really lazy, I'll put away my things.

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Speaker 2: But it's just it's magical. I look at the bag today,

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Speaker 2: I'm like, look at these perfectly rectangular shaped bags. Oh

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Speaker 2: but yeah, so yeah, I'm not the I realize I'm

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Speaker 2: never going to be super Sussie homemaker. Although I do cook,

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Speaker 2: and I enjoy cooking, but other than that, that's the

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Speaker 2: only thing that I do that's like.

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Speaker 3: Me, you enjoy making a mess, but not because we

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Speaker 3: already have a cookie.

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Speaker 2: Really is exactly, it's a mess making. And then I'm like,

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Speaker 2: why should I have to wash the dishes? I made

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Speaker 2: the food? Oh my life for Superman.

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Speaker 3: Sure, you guys have a barbecue today?

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Speaker 2: Yeah, I love a mini barbecue. He's like, I mean, honestly,

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Speaker 2: it's just his excuse to feed the neighborhood kids that

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Speaker 2: don't always get to eat, like, but all the stuff

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Speaker 2: that I bought, I'm like, this is all kids stuff.

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Speaker 2: Because he's like, baby, can you get juice boxes? Can

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Speaker 2: you get this? Can you get that? I'm like, who

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Speaker 2: are we feeding? Because he's adults out here have food,

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Speaker 2: and so he really likes making sure like the kids

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Speaker 2: in the neighborhood. I told you he's the he's the black.

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Speaker 3: Mister rogers're thinking of analogy. I was like, Willy Wonka,

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Speaker 3: what do we call it.

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Speaker 2: Now, mister Rogers. Every time we walk, like if I

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Speaker 2: walk with him or he walked me to the car

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Speaker 2: or whatever. Everyone Hey, Superman, Hey some man, how you

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Speaker 2: doing here? Man? Superman? Like the kids, everyone, And I'm like, meanwhile,

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Speaker 2: no one's like hey hey Superwoman or hey you know.

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Speaker 2: Everything is like yeah, and that person with you my

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Speaker 2: go on, I'm not, well it was you know what,

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Speaker 2: I'm not I'm friendly, but I'm not. I don't know,

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Speaker 2: I'm not really wanted to say hi to stranger, you know. So,

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Speaker 2: but he's you know, he goes out of his way

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Speaker 2: to be extra engaging, and so where I'm like, hey,

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Speaker 2: I mean, if you're in my vicinity. You know, I'm

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Speaker 2: definitely going to be polite, but I'm not. I don't

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Speaker 2: know as much as like I talk as a live

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Speaker 2: for a living once, I'm like in my own private space,

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Speaker 2: I'm actually on kind of like a quieter, shyer side.

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Speaker 3: That's okay. Yeah, introvert, extrovert, exactly, exactly, exactly. Well, I'm

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Speaker 3: looking forward to this week. It's going to be a wait,

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Speaker 3: how many Monday, Tuesday, three day week for me because

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Speaker 3: my mom is getting married on Friday. Oh, miss Lorie Jane. Yeah,

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Speaker 3: her wedding. She's marrying. My mom's marrying her high school sweetheart.

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Speaker 3: It's all very romantic. So they met in high school

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Speaker 3: in Wisconsin on Alaska, Wisconsin, and they dated all through

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Speaker 3: high school and then he was off in the military

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Speaker 3: and he was gonna propose to her, or he did

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Speaker 3: propose to her, and she broke his little heart and

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Speaker 3: said no. This was like nineteen seventy eight, I want

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Speaker 3: to say. And then she moved from Wisconsin to Atlanta

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Speaker 3: with her brothers. Atlanta for some reason, people were like

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Speaker 3: moving there, and she never saw him again until she

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Speaker 3: moved back to Wisconsin to retire a few years ago,

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Speaker 3: and they just rekindled their relationship and now they're getting

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Speaker 3: married and it's all going to be very cool, and

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Speaker 3: so that I have to look forward to.

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Speaker 2: Oh yeah, I'm at your mama. I told you your

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Speaker 2: mom needs to teach lessons how to how to get

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Speaker 2: a man to ask.

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Speaker 3: Yeah, she's a She's like, I tease her and I'm like, okay,

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Speaker 3: j lo ai. Yeah, she's like, that ain't her first rodeo.

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Speaker 3: With all due respect, it ain't her first rodeo. It's

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Speaker 3: not even it's not even my first rodeo with her.

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Speaker 3: So we'll see.

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Speaker 2: Some women are like have been like with the same

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Speaker 2: due for like twelve years and they're like, s wait,

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Speaker 2: you know your mom's like I know how to get

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Speaker 2: them to ask? For real. I really feel like there

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Speaker 2: are some women who I don't know what it is

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Speaker 2: that have a knack for like men wanting to Like

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Speaker 2: I don't know, Like, I don't know what it is.

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Speaker 3: I honestly wait, what women you have a knack for

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Speaker 3: men wanting to marry them?

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Speaker 2: Yeah? But like because it's like what is it? I

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Speaker 2: wonder like what is it? Because I'm not a man.

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Speaker 2: So when a man is like, you know what this is?

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Speaker 2: The woman I want to marry. There's like a switch,

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Speaker 2: and I find that there are some women who, like

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Speaker 2: I have a number of friends who they might not

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Speaker 2: have married them all, but have been asked numerous times,

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Speaker 2: you know. And then I have other friends who you know,

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Speaker 2: been in long term relationships and have never been asked

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Speaker 2: or you know what I mean. So I'm like, well,

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Speaker 2: what is that, like, what is that trait that makes

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Speaker 2: a man say I want to be with this one

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Speaker 2: for the rest of my life or at least try

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Speaker 2: you know.

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Speaker 3: Yeah, her lasagna is really good. I don't know, Well,

337
00:15:31,840 --> 00:15:33,920
Speaker 3: it's just it's really sweet because you know, he wanted

338
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Speaker 3: to marry her forty years ago and he's I know,

339
00:15:36,360 --> 00:15:38,840
Speaker 3: they're finally getting to do it, and she's just so like,

340
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Speaker 3: it's a little weird to see your mom. You know,

341
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Speaker 3: I had a stepdad and it was whatever, that was

342
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Speaker 3: more normal. But now she's just like really like giddy

343
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Speaker 3: and giggly and it's all the first time again, and

344
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Speaker 3: she's really you know, she's planning all the details. It's

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Speaker 3: going to be like a small, you know, like fifty

346
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Speaker 3: people wedding, but they're getting married on this really pretty

347
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Speaker 3: like like a bluff and on a mountain in the area,

348
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Speaker 3: and they're they're actually having their reception the same place

349
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Speaker 3: where they had their high school prom.

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Speaker 2: Oh that is awesome. So has he ever been married before? Oh?

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Speaker 3: Yeah, yeah, he's divorced and she was recently. She was

352
00:16:12,960 --> 00:16:16,360
Speaker 3: divorced a couple of years ago, so they're both he

353
00:16:16,480 --> 00:16:18,040
Speaker 3: was divorced a little bit longer. I'm putting all their

354
00:16:18,040 --> 00:16:20,200
Speaker 3: business out there, but yeah, they both had prior marriages,

355
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Speaker 3: they both have had children, and.

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Speaker 2: Oh, this is good. This is just them.

357
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Speaker 3: This is literally just them, none of the baggage that

358
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Speaker 3: you get when you marry with young kids.

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Speaker 1: Yeah.

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Speaker 3: And also for me too, I'm like, yeah, cool, Greg, nice,

361
00:16:33,120 --> 00:16:35,240
Speaker 3: just hang out with mom. That's nice. You know. I

362
00:16:35,240 --> 00:16:39,680
Speaker 3: don't feel any like pressure to have a relationship or like,

363
00:16:39,760 --> 00:16:41,040
Speaker 3: you know what I mean when you're a kid and

364
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Speaker 3: like you're yeah you know if you yeah, if you

365
00:16:43,720 --> 00:16:45,240
Speaker 3: mean you have a stepdaughter, but like if you are

366
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Speaker 3: also like the child a parent who've remarried when you

367
00:16:48,960 --> 00:16:51,320
Speaker 3: were younger, you know how it's like, you know, there's

368
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Speaker 3: all that that that tension in the background, if like

369
00:16:53,960 --> 00:16:56,040
Speaker 3: the anxiety of like are they going to get along

370
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Speaker 3: and are they going to have a relationship and so

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Speaker 3: there's none of that pressure, which I think is making

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Speaker 3: everything a lot easier.

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Speaker 2: Yeah, I was gonna say because it's dope, because it's like,

374
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Speaker 2: you know, it's really like it's just us. We don't

375
00:17:06,800 --> 00:17:08,840
Speaker 2: have to you know, she doesn't have to take into

376
00:17:08,840 --> 00:17:11,000
Speaker 2: consideration like I mean it was there was we had

377
00:17:11,040 --> 00:17:14,480
Speaker 2: a rough patch, like in our household with Supergirl adjusting.

378
00:17:14,920 --> 00:17:17,879
Speaker 2: You know, everything was awesome until like we got engaged

379
00:17:17,880 --> 00:17:20,400
Speaker 2: and she was like, wait, she's staying. I was like, wait,

380
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Speaker 2: I thought you liked me. She's like yeah, but like

381
00:17:23,359 --> 00:17:27,800
Speaker 2: that as like a permanent member. She literally said, I

382
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Speaker 2: thought you were gonna be like here today, gone tomorrow.

383
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Speaker 3: I was like, what, it's hurtful. No, I've been I've

384
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Speaker 3: been wondering how things were going, because you did say

385
00:17:36,119 --> 00:17:38,280
Speaker 3: there was a little bit rough stuff.

386
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Speaker 2: Honestly, I would like, it's I don't know what happened

387
00:17:41,520 --> 00:17:45,840
Speaker 2: and what shifted. But she's been like I would say,

388
00:17:45,920 --> 00:17:48,080
Speaker 2: we are eighty five percent back, because at one point,

389
00:17:48,160 --> 00:17:50,080
Speaker 2: you know, that was like my little buddy. We hung

390
00:17:50,119 --> 00:17:52,640
Speaker 2: out like we both have similar interests in Staples and

391
00:17:53,000 --> 00:17:55,479
Speaker 2: Barnes and Nobles, and we would going to museums together.

392
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Speaker 2: So we hung out, you know, almost more than me

393
00:17:58,560 --> 00:18:01,000
Speaker 2: and her father because we had so much, so much

394
00:18:01,040 --> 00:18:03,639
Speaker 2: in common, and so everything was great. And then we

395
00:18:03,640 --> 00:18:07,480
Speaker 2: got engaged, and she took it not so great because

396
00:18:07,520 --> 00:18:08,960
Speaker 2: I guess she was still trying to figure out, well,

397
00:18:08,960 --> 00:18:11,080
Speaker 2: where does that put me? Because in her mind, you know,

398
00:18:11,160 --> 00:18:13,959
Speaker 2: a wife is bigger than a daughter. That's what she

399
00:18:14,000 --> 00:18:17,600
Speaker 2: had convinced herself, you know. And so you know, we

400
00:18:17,640 --> 00:18:21,439
Speaker 2: really tried really hard, like between myself, her father, and

401
00:18:21,440 --> 00:18:23,320
Speaker 2: her mom because we have a great relationship to three

402
00:18:23,320 --> 00:18:25,960
Speaker 2: of us, to really reassure her that like nothing's going

403
00:18:26,000 --> 00:18:29,320
Speaker 2: to change, like it's the same, but it it. You know.

404
00:18:29,440 --> 00:18:31,639
Speaker 2: It was a year and then we got married and

405
00:18:31,640 --> 00:18:34,399
Speaker 2: then things really took a down. She barely spoke to

406
00:18:34,440 --> 00:18:38,520
Speaker 2: me like good morning, and I'll be like okay. And

407
00:18:38,560 --> 00:18:41,400
Speaker 2: then it became the like Tiffany's so mean, and her

408
00:18:41,400 --> 00:18:43,240
Speaker 2: mom and her dad being like, well, that's what I

409
00:18:43,240 --> 00:18:46,040
Speaker 2: love is that they've got great communication with her, Like well,

410
00:18:46,040 --> 00:18:49,040
Speaker 2: how was she mean? I mean, she's say good morning

411
00:18:49,520 --> 00:18:51,320
Speaker 2: and I didn't say good morning, and then she say

412
00:18:51,320 --> 00:18:54,680
Speaker 2: good morning again. I heard her, and I'm like okay,

413
00:18:55,080 --> 00:18:58,080
Speaker 2: you know, so it was like really grasping for straws

414
00:18:58,480 --> 00:19:01,760
Speaker 2: or like, I remember, nobody had given her something and

415
00:19:01,800 --> 00:19:03,440
Speaker 2: she didn't say thank you, and I said, Alyssa, what

416
00:19:03,480 --> 00:19:05,520
Speaker 2: do you say? And then she told her mom Tiffany

417
00:19:05,560 --> 00:19:07,320
Speaker 2: saw me, I was gonna say you. I was just

418
00:19:07,359 --> 00:19:10,920
Speaker 2: thinking about it. I was like, wait, how does that mean? Well, like,

419
00:19:11,000 --> 00:19:13,159
Speaker 2: cause honestly, I've talked long enough like I you know,

420
00:19:13,200 --> 00:19:17,040
Speaker 2: I don't. I'm good at like, even if I'm frustrated

421
00:19:17,160 --> 00:19:19,879
Speaker 2: at like not letting it show in my tone. I

422
00:19:19,920 --> 00:19:21,639
Speaker 2: mean literally, I talked three and four year olds, So

423
00:19:21,640 --> 00:19:23,920
Speaker 2: there's nobody more frustrating on this planet than three and

424
00:19:23,920 --> 00:19:26,520
Speaker 2: four year olds. But you learn how to, you know,

425
00:19:26,720 --> 00:19:28,679
Speaker 2: to still be patient and still be kind despite that.

426
00:19:28,760 --> 00:19:30,880
Speaker 2: So I'm I'm pretty good with that. And like her mom,

427
00:19:31,000 --> 00:19:32,639
Speaker 2: that's one thing I have to say. I'm really grateful

428
00:19:32,680 --> 00:19:36,520
Speaker 2: because her mom never once was like Tiffany, what are

429
00:19:36,520 --> 00:19:39,240
Speaker 2: you doing to my daughter? You know? Never it's you know,

430
00:19:39,320 --> 00:19:41,439
Speaker 2: So that's that's what helped a lot. And I don't know,

431
00:19:41,560 --> 00:19:42,800
Speaker 2: I'm not how to lie. I don't know what the

432
00:19:42,800 --> 00:19:46,919
Speaker 2: shift was. I don't know if she finally realized post marriage.

433
00:19:47,000 --> 00:19:49,520
Speaker 2: It's been like what three months now, almost three months

434
00:19:49,600 --> 00:19:51,800
Speaker 2: that like nothing has changed, because in the last couple

435
00:19:51,840 --> 00:19:55,280
Speaker 2: of weeks, like it's been like she'll come in, Hey, Tiffy,

436
00:19:55,320 --> 00:19:59,560
Speaker 2: and I'm like, who MEI hi, you know, And like

437
00:19:59,600 --> 00:20:01,480
Speaker 2: the other day, I was going to Barnes and Nobles

438
00:20:01,520 --> 00:20:03,120
Speaker 2: and I always asked her because I know she likes it,

439
00:20:03,200 --> 00:20:05,000
Speaker 2: but she would say no, even though I know she

440
00:20:05,040 --> 00:20:06,800
Speaker 2: loves Barnes and Nobles. And so I said, I'm going

441
00:20:06,840 --> 00:20:08,360
Speaker 2: to Barnes and Nobles. I'll see you later. She's like, wait,

442
00:20:08,400 --> 00:20:12,040
Speaker 2: I want to go, and I look like with me, okay,

443
00:20:12,480 --> 00:20:15,200
Speaker 2: And so she's back to like talking my ear off,

444
00:20:15,200 --> 00:20:18,000
Speaker 2: which is awesome because like ten year olds are, you know,

445
00:20:18,040 --> 00:20:19,800
Speaker 2: they have this whole drama at school that you know,

446
00:20:19,880 --> 00:20:22,719
Speaker 2: she has to explain every single piece of it, and

447
00:20:22,760 --> 00:20:25,560
Speaker 2: I'm like, wow, it's like like almost like old times. So,

448
00:20:25,880 --> 00:20:28,399
Speaker 2: like I said, I'm not sure what the shift was,

449
00:20:29,160 --> 00:20:31,240
Speaker 2: but I'm really happy about it because it's nice to

450
00:20:31,280 --> 00:20:33,359
Speaker 2: have my it's nice to have my friend back, you know.

451
00:20:34,040 --> 00:20:36,320
Speaker 3: I think the key with young kids and like preteens

452
00:20:36,359 --> 00:20:38,359
Speaker 3: is like just leave them and go, like leave them be,

453
00:20:38,720 --> 00:20:43,320
Speaker 3: and they'll come them back around or they'll start slitting

454
00:20:43,359 --> 00:20:45,320
Speaker 3: their wrists and like get tattoos and stuff. They can

455
00:20:45,359 --> 00:20:45,960
Speaker 3: go either way.

456
00:20:46,600 --> 00:20:49,080
Speaker 2: I was very I was like, dang, I already heard

457
00:20:49,080 --> 00:20:51,439
Speaker 2: teenagers are hard, especially for girls. I was like, I

458
00:20:51,440 --> 00:20:54,960
Speaker 2: wanted at least a few years of like goodness before

459
00:20:54,960 --> 00:20:59,800
Speaker 2: it turns dark, because I heard by the time twelve,

460
00:21:00,400 --> 00:21:03,560
Speaker 2: thirteen and fourteen overline, they're like show, I don't care

461
00:21:03,600 --> 00:21:08,199
Speaker 2: how great she is. Those teenagers are something else. So

462
00:21:08,240 --> 00:21:10,000
Speaker 2: I'm like, well, I want to at least say, a couple

463
00:21:10,000 --> 00:21:12,400
Speaker 2: of years to like really develop a strong relationship with.

464
00:21:12,359 --> 00:21:14,960
Speaker 3: Her, you know, yeah, so yeah, yeah, it's a good

465
00:21:15,040 --> 00:21:18,480
Speaker 3: lookin now.

466
00:21:19,440 --> 00:21:27,800
Speaker 2: Oo chawd. Well, it's that time to break or boost

467
00:21:28,280 --> 00:21:32,080
Speaker 2: break or boost boost or a break. What you're gonna do?

468
00:21:32,200 --> 00:21:36,440
Speaker 3: Boost a break, I'm gonna boost. That was actually really good.

469
00:21:37,920 --> 00:21:40,000
Speaker 3: I'm gonna boost. I read a really cool story. So

470
00:21:40,040 --> 00:21:44,639
Speaker 3: we all remember phill Indo Castile, the gentleman who was

471
00:21:44,840 --> 00:21:48,359
Speaker 3: shot while selling CDs. What was it a gas station

472
00:21:48,520 --> 00:21:51,520
Speaker 3: or somewhere anyway, He was shot by a shot and

473
00:21:51,560 --> 00:21:53,800
Speaker 3: killed by a police officer back a little over a

474
00:21:53,880 --> 00:21:57,439
Speaker 3: year ago, July twenty sixteen, and he worked at a school.

475
00:21:57,520 --> 00:21:59,640
Speaker 3: At the time, he worked in the school cafeteria. Right

476
00:21:59,760 --> 00:22:03,000
Speaker 3: and after his death, people came out saying that when

477
00:22:03,000 --> 00:22:05,320
Speaker 3: he worked at the school, he would always make sure

478
00:22:05,320 --> 00:22:07,080
Speaker 3: the kids, you know, when you forget your lunch money,

479
00:22:07,359 --> 00:22:09,680
Speaker 3: like you have to get the crappy you know, forget

480
00:22:09,680 --> 00:22:11,560
Speaker 3: your lunch money sandwich or whatever, and he would make

481
00:22:11,560 --> 00:22:13,280
Speaker 3: sure that the kids who forgot their money still got

482
00:22:13,320 --> 00:22:16,600
Speaker 3: to eat. And apparently in the wake of his death,

483
00:22:17,080 --> 00:22:18,560
Speaker 3: now that it's been a year, there's been a new

484
00:22:18,600 --> 00:22:23,120
Speaker 3: fund created that wants to carry on that legacy by

485
00:22:23,119 --> 00:22:25,640
Speaker 3: paying for student lunches, which he would, you know, he'd

486
00:22:25,680 --> 00:22:27,639
Speaker 3: dip into his own pockets sometimes to make sure that

487
00:22:27,720 --> 00:22:31,360
Speaker 3: kids got fed. So this is happening. He was, Oh,

488
00:22:31,400 --> 00:22:36,879
Speaker 3: he was a school nutrition service, a supervisor in Saint Paul, Minnesota.

489
00:22:37,480 --> 00:22:41,840
Speaker 3: And the fund is called Filando feeds the Children. And yeah,

490
00:22:42,119 --> 00:22:43,760
Speaker 3: it's really it's just really sweet. And I think that's

491
00:22:43,800 --> 00:22:47,080
Speaker 3: just a you know, you don't really hear I don't know,

492
00:22:47,440 --> 00:22:49,359
Speaker 3: you know, you hear about memorial funds and stuff. But

493
00:22:49,400 --> 00:22:51,119
Speaker 3: I think that this is in terms of like carrying

494
00:22:51,119 --> 00:22:53,879
Speaker 3: on the legacy of who this person was, Yeah, and

495
00:22:54,720 --> 00:22:58,280
Speaker 3: like actually putting like making people making sure that people

496
00:22:58,320 --> 00:23:00,240
Speaker 3: know he's not just a murder he was and just

497
00:23:00,280 --> 00:23:02,600
Speaker 3: a black man killed, you know, in a spate of

498
00:23:02,640 --> 00:23:05,760
Speaker 3: police violence. But he was a man who had like

499
00:23:05,920 --> 00:23:09,399
Speaker 3: unique skills and was really special and you know, would

500
00:23:09,680 --> 00:23:11,960
Speaker 3: spend his own money to make sure that kids were fed.

501
00:23:12,920 --> 00:23:16,199
Speaker 3: It's just really sweet and it's nice. So yeah, that

502
00:23:16,359 --> 00:23:19,040
Speaker 3: is really sweet and nice. Honestly, I'm boosting that. And

503
00:23:19,080 --> 00:23:21,280
Speaker 3: I wonder if they have if they have a website.

504
00:23:21,320 --> 00:23:25,840
Speaker 3: So far they've raised they set let's see, Oh yeah

505
00:23:25,840 --> 00:23:29,040
Speaker 3: they've so they set a goal of fund raising five

506
00:23:29,080 --> 00:23:31,919
Speaker 3: thousand dollars and they've already raised over sixteen thousand dollars.

507
00:23:31,920 --> 00:23:33,320
Speaker 2: So donate.

508
00:23:34,040 --> 00:23:35,840
Speaker 3: Yeah, I'm gonna. I'll check out the link and make

509
00:23:35,880 --> 00:23:39,719
Speaker 3: sure people can. I'll post it on the Brown Ambition

510
00:23:39,800 --> 00:23:44,359
Speaker 3: Podcast website, which is Brown Ambition Podcast dot com dot com.

511
00:23:45,280 --> 00:23:47,560
Speaker 2: No, I think that, honestly, I would love to donate

512
00:23:47,600 --> 00:23:49,840
Speaker 2: because I love the babies, and I know how that

513
00:23:49,920 --> 00:23:52,920
Speaker 2: used to be, like like well, I like, we never

514
00:23:52,960 --> 00:23:54,840
Speaker 2: bought lunch at school. My mom would always send us

515
00:23:55,000 --> 00:23:57,240
Speaker 2: to school with lunch because we didn't have, you know,

516
00:23:57,359 --> 00:24:00,280
Speaker 2: a ton of money to buy lunch at school. But

517
00:24:01,119 --> 00:24:03,600
Speaker 2: I do remember, like, you know, friends who were like

518
00:24:03,640 --> 00:24:06,000
Speaker 2: didn't have or just even when I talked when I

519
00:24:06,080 --> 00:24:09,600
Speaker 2: was a school teacher kids that thankfully our kids they

520
00:24:09,640 --> 00:24:12,680
Speaker 2: would send lunch to was like the board or whoever.

521
00:24:13,040 --> 00:24:15,439
Speaker 2: And so the kids got breakfast and lunch and snack

522
00:24:15,680 --> 00:24:17,600
Speaker 2: because a lot of the kids otherwise wouldn't be able

523
00:24:17,640 --> 00:24:19,959
Speaker 2: to eat. And then we used to get so much excess.

524
00:24:19,960 --> 00:24:22,080
Speaker 2: I would send it even home with the parents, like

525
00:24:22,119 --> 00:24:23,679
Speaker 2: I would pack up certain parents I knew that were

526
00:24:23,720 --> 00:24:26,199
Speaker 2: kind of struggling. And now I remember, I don't know

527
00:24:26,200 --> 00:24:27,800
Speaker 2: if it was the board or who came in they

528
00:24:27,800 --> 00:24:29,119
Speaker 2: saw me do that once They're like, oh, you're not

529
00:24:29,160 --> 00:24:32,560
Speaker 2: allowed to give away the food. It's a liability, you

530
00:24:32,600 --> 00:24:34,880
Speaker 2: know that. You know they if they get sick at home,

531
00:24:34,920 --> 00:24:37,000
Speaker 2: they could come and sue and da dah. And I

532
00:24:37,040 --> 00:24:40,040
Speaker 2: was like, oh, yeah, okay, yeah. So for ten years

533
00:24:40,040 --> 00:24:41,560
Speaker 2: I packed up the lunch and sent Are you crazy,

534
00:24:41,600 --> 00:24:44,320
Speaker 2: I'm not throwing away gallons of milk and food like

535
00:24:45,080 --> 00:24:47,040
Speaker 2: we And we never got sued. I mean, I guess

536
00:24:47,080 --> 00:24:49,480
Speaker 2: I get it, but there's no way, cause they wanted

537
00:24:49,520 --> 00:24:51,320
Speaker 2: you to throw out the excess food for the day

538
00:24:51,359 --> 00:24:53,440
Speaker 2: and then pour bleach on it. I'm like, what.

539
00:24:53,560 --> 00:24:55,159
Speaker 3: Kind of poor bleach on it?

540
00:24:55,440 --> 00:24:57,119
Speaker 2: So bad way people wouldn't go and eat it and

541
00:24:57,160 --> 00:25:00,399
Speaker 2: then sue you, Oh lord, yeah, But I never did that.

542
00:25:00,400 --> 00:25:03,480
Speaker 2: We always gave it away because I'm like, what I mean,

543
00:25:03,520 --> 00:25:05,480
Speaker 2: I guess I got it in theory, but I'm like,

544
00:25:06,640 --> 00:25:10,000
Speaker 2: so no, so we're so somebody other parents. I remember that.

545
00:25:10,080 --> 00:25:12,359
Speaker 2: That's what was so sad about closing the center, because

546
00:25:12,760 --> 00:25:15,439
Speaker 2: the center was like the daycare center was really the

547
00:25:15,480 --> 00:25:18,399
Speaker 2: center of this community. It was at the bottom of

548
00:25:18,400 --> 00:25:22,119
Speaker 2: this project building, the thirteen story high project building, where

549
00:25:22,600 --> 00:25:25,119
Speaker 2: every type of age lived there. People were struggling with

550
00:25:25,160 --> 00:25:28,000
Speaker 2: drug addiction and poverty, and but the center was like

551
00:25:28,040 --> 00:25:31,760
Speaker 2: this bright this bright light. The kids were awesome and

552
00:25:31,760 --> 00:25:33,960
Speaker 2: beautiful and smart. And the food that we got we

553
00:25:34,000 --> 00:25:35,840
Speaker 2: got such extra that we used to give to people

554
00:25:35,880 --> 00:25:38,480
Speaker 2: in the building too, And so people thought that I

555
00:25:38,560 --> 00:25:40,920
Speaker 2: was actually I was like the leader of a food program.

556
00:25:41,240 --> 00:25:43,520
Speaker 2: They didn't know because I would every day, knew every day,

557
00:25:43,640 --> 00:25:46,080
Speaker 2: and there were certain people, certain elderly people that would

558
00:25:46,080 --> 00:25:48,320
Speaker 2: like really look forward to the They'd be like, oh, that's

559
00:25:48,320 --> 00:25:50,080
Speaker 2: the food program, lady. I'm like, oh no, no, I'm just

560
00:25:50,080 --> 00:25:51,439
Speaker 2: a teacher. And there They're like, yeah, okay, but do

561
00:25:51,440 --> 00:25:52,280
Speaker 2: you have the milk today?

562
00:25:52,400 --> 00:25:55,720
Speaker 3: And I'm like okay, Well, we talked about this before,

563
00:25:55,760 --> 00:25:58,239
Speaker 3: like kids can actually get into debt, Like there's such

564
00:25:58,320 --> 00:26:01,320
Speaker 3: thing as school lunch debt, where like if you you

565
00:26:01,359 --> 00:26:03,840
Speaker 3: know you you if you don't have money for lunch

566
00:26:03,880 --> 00:26:05,320
Speaker 3: and your parents won't have money and actually send you

567
00:26:05,359 --> 00:26:07,480
Speaker 3: to food, send you to school with anything. You know,

568
00:26:07,520 --> 00:26:09,880
Speaker 3: you're still I think you're still have to get something.

569
00:26:09,960 --> 00:26:12,440
Speaker 3: But they can actually charge like put on your account

570
00:26:12,440 --> 00:26:14,520
Speaker 3: you know how much in debt you are, and at

571
00:26:14,520 --> 00:26:16,480
Speaker 3: the beginning of the school year, like ask your parents

572
00:26:16,480 --> 00:26:19,639
Speaker 3: for all those fees. So the Fialando Fund, like it's

573
00:26:19,680 --> 00:26:21,800
Speaker 3: part of just like this growing movement to pay off

574
00:26:21,920 --> 00:26:24,920
Speaker 3: children's school lunch debt, and I just I just want

575
00:26:25,000 --> 00:26:27,240
Speaker 3: I just double checked their website. They've actually raised over

576
00:26:27,359 --> 00:26:31,359
Speaker 3: fifty five thousand dollars now and the fundraiser put up

577
00:26:31,400 --> 00:26:34,000
Speaker 3: a message saying that with fifty thousand dollars they should

578
00:26:34,000 --> 00:26:36,040
Speaker 3: be able to pay off all the lunch debt for

579
00:26:36,320 --> 00:26:41,560
Speaker 3: children in Philando Castile School District, which is pretty and

580
00:26:41,640 --> 00:26:43,840
Speaker 3: it's also pretty freakin sad that there's such thing as

581
00:26:44,119 --> 00:26:48,199
Speaker 3: school lunch debt, but that is the world.

582
00:26:48,640 --> 00:26:51,240
Speaker 2: Well, I'm not going to be so sunshiny. I'm going

583
00:26:51,320 --> 00:26:52,480
Speaker 2: to break.

584
00:26:53,520 --> 00:26:55,520
Speaker 3: And a dark cloud has come over.

585
00:26:56,160 --> 00:26:58,639
Speaker 2: Well, it's not really crazy, it's just so I'm still,

586
00:26:58,680 --> 00:27:01,680
Speaker 2: you know, looking for a house. I know it's crazy,

587
00:27:02,000 --> 00:27:07,640
Speaker 2: but I'm going to break on bad service because as

588
00:27:07,680 --> 00:27:10,600
Speaker 2: I've been looking, it has taught me a lot, especially

589
00:27:10,640 --> 00:27:14,080
Speaker 2: like dealing with all the people that are involved when

590
00:27:14,119 --> 00:27:17,840
Speaker 2: you're buying a house. Mortgage people, lawyer, realtors, all that

591
00:27:17,920 --> 00:27:21,119
Speaker 2: kind of stuff. And so you know, because you know,

592
00:27:21,200 --> 00:27:25,560
Speaker 2: this home buying is really like a service business because

593
00:27:25,600 --> 00:27:28,320
Speaker 2: you yourself don't own the home. You know, you're you're

594
00:27:28,359 --> 00:27:32,840
Speaker 2: instead creating or making the transaction possible for the two

595
00:27:32,880 --> 00:27:36,159
Speaker 2: parties that want to connect, connect and exchange of property

596
00:27:36,160 --> 00:27:40,560
Speaker 2: for money. And so I've had really amazing service providers

597
00:27:40,560 --> 00:27:44,680
Speaker 2: in this process. Like my mortgage guy, David is amazing.

598
00:27:45,400 --> 00:27:48,000
Speaker 2: I mean, like one I just love because if I

599
00:27:48,000 --> 00:27:49,480
Speaker 2: get on the phone with David, ask him a question.

600
00:27:49,520 --> 00:27:52,200
Speaker 2: He's really an educator. So like, you know, I don't

601
00:27:52,200 --> 00:27:53,879
Speaker 2: know all the ins and outs of every mortgage, but

602
00:27:53,920 --> 00:27:56,920
Speaker 2: he sits down and takes the time and explains, like well,

603
00:27:56,920 --> 00:27:58,440
Speaker 2: why I think this choice is best, and why I

604
00:27:58,440 --> 00:28:00,520
Speaker 2: think this choice is best. And so David's been amazing.

605
00:28:01,440 --> 00:28:04,399
Speaker 2: I've definitely had some realtors that have been great, like

606
00:28:04,440 --> 00:28:06,320
Speaker 2: one realtor. She was pretty good, but she was eight

607
00:28:06,359 --> 00:28:08,439
Speaker 2: months pregnant, so after like you know, a month, I

608
00:28:08,480 --> 00:28:11,240
Speaker 2: was like, girl, you need to sit down, like you

609
00:28:11,280 --> 00:28:13,239
Speaker 2: can't keep coming up and down the stairs. And then

610
00:28:13,280 --> 00:28:16,239
Speaker 2: I definitely had some realtors that weren't so great, like

611
00:28:16,280 --> 00:28:20,040
Speaker 2: I had one. Although she was really nice, she wasn't timely.

612
00:28:20,280 --> 00:28:22,680
Speaker 2: So I would ask her like, hey, is this property available,

613
00:28:22,920 --> 00:28:24,320
Speaker 2: and it would take her two days to get back

614
00:28:24,320 --> 00:28:26,320
Speaker 2: to me. By then it was sold because Newark is

615
00:28:26,359 --> 00:28:29,840
Speaker 2: hot right now. But just most recently I had a

616
00:28:29,840 --> 00:28:31,280
Speaker 2: real I hope she doesn't listen. If she does, I

617
00:28:31,320 --> 00:28:35,159
Speaker 2: don't even care. I had a realtor and I'm like,

618
00:28:35,200 --> 00:28:38,160
Speaker 2: what is happening because and I'm not certain if she's

619
00:28:38,160 --> 00:28:40,760
Speaker 2: just not being truthful or maybe she's just not effective.

620
00:28:40,800 --> 00:28:43,760
Speaker 2: She's younger like in her I would say, late twenties,

621
00:28:43,840 --> 00:28:47,680
Speaker 2: early thirties. So you know, I've been she's been sending

622
00:28:47,720 --> 00:28:51,240
Speaker 2: me properties and I've been expressing interest, but nothing's been happening.

623
00:28:51,520 --> 00:28:53,840
Speaker 2: So I sent her one property in particular, and I said, hey,

624
00:28:54,360 --> 00:28:56,520
Speaker 2: I want to see this property. I called the guy.

625
00:28:57,320 --> 00:29:00,000
Speaker 2: It was for sale by owner, and we were texting

626
00:29:00,080 --> 00:29:01,520
Speaker 2: back and forth and he said, yes, the property is

627
00:29:01,520 --> 00:29:04,520
Speaker 2: still available. So I called her and said, hey, the

628
00:29:04,520 --> 00:29:07,400
Speaker 2: property is available, make you know can you make an appointment?

629
00:29:08,040 --> 00:29:10,120
Speaker 2: So two days later, I'm hitting her up like, hey,

630
00:29:10,240 --> 00:29:12,760
Speaker 2: you know any any movement on this property? And she'said oh,

631
00:29:12,800 --> 00:29:15,400
Speaker 2: I called him, but he didn't. He didn't respond, and

632
00:29:15,440 --> 00:29:17,840
Speaker 2: I said, well sometimes with him as best to text.

633
00:29:18,480 --> 00:29:20,720
Speaker 2: So I saw her again a day later and she

634
00:29:20,840 --> 00:29:22,920
Speaker 2: was like, oh, I text him and he didn't respond.

635
00:29:23,000 --> 00:29:24,920
Speaker 2: Little does she know that? Literally, while I was waiting

636
00:29:25,080 --> 00:29:28,080
Speaker 2: for her because she was late for our meeting. While

637
00:29:28,080 --> 00:29:30,680
Speaker 2: I was waiting for her, I text him and I said, hey,

638
00:29:31,120 --> 00:29:34,040
Speaker 2: it's me again. Property is still available. He said yep, he said.

639
00:29:34,080 --> 00:29:35,440
Speaker 2: I said, what do you need for me to come

640
00:29:35,440 --> 00:29:37,000
Speaker 2: see it? He just said proof of income. So I

641
00:29:37,040 --> 00:29:39,720
Speaker 2: sent him a bank statement, like literally standing on the

642
00:29:39,760 --> 00:29:41,720
Speaker 2: corner waiting for her, and he said, you want to

643
00:29:41,760 --> 00:29:44,280
Speaker 2: see it now? And I'm like, so, she's just not

644
00:29:44,320 --> 00:29:47,680
Speaker 2: being truthful because you just told me that. Like, I

645
00:29:47,680 --> 00:29:49,680
Speaker 2: can't get in contact with him. It's been a week.

646
00:29:49,760 --> 00:29:51,920
Speaker 2: I've been calling, texting, and every time I've text and

647
00:29:51,960 --> 00:29:55,880
Speaker 2: called him, he's been super responsive. And so I was

648
00:29:55,880 --> 00:29:57,480
Speaker 2: like well, I couldn't obviously see it then, and so

649
00:29:57,520 --> 00:29:59,480
Speaker 2: I said, so I scheduled it for the next morning.

650
00:29:59,640 --> 00:30:01,760
Speaker 2: So I just went with me and Superman went by ourselves.

651
00:30:01,800 --> 00:30:03,360
Speaker 2: We looked at it, we decided we didn't like it.

652
00:30:03,760 --> 00:30:06,800
Speaker 2: And just most recently, there's the property she'd sent me,

653
00:30:06,840 --> 00:30:08,600
Speaker 2: and I said, I drove by. I said, oh, it's nice.

654
00:30:08,640 --> 00:30:10,800
Speaker 2: I'd like to see it. And she was just like, oh,

655
00:30:10,800 --> 00:30:12,840
Speaker 2: I can't figure out who owns it. We can't cause

656
00:30:12,880 --> 00:30:15,920
Speaker 2: it was foreclosed. We can't figure out. I've been calling

657
00:30:15,920 --> 00:30:17,960
Speaker 2: the banks and this and that, and you know, and

658
00:30:18,000 --> 00:30:21,280
Speaker 2: I was just like, okay, you know, even if it's

659
00:30:21,320 --> 00:30:23,400
Speaker 2: sight unseen, because it's such a great deal, I would

660
00:30:23,400 --> 00:30:26,800
Speaker 2: even be willing to possibly purchase this without seeing the

661
00:30:26,840 --> 00:30:31,160
Speaker 2: inside because of the location and the price cash and so,

662
00:30:31,520 --> 00:30:33,280
Speaker 2: you know, it's been two weeks of like, oh, I

663
00:30:33,280 --> 00:30:36,840
Speaker 2: still can't figure out, and then maybe two A few

664
00:30:36,880 --> 00:30:38,520
Speaker 2: days ago, I saw that it was on an auction

665
00:30:38,640 --> 00:30:40,760
Speaker 2: site and I said, hey, I see it on this

666
00:30:40,800 --> 00:30:43,560
Speaker 2: auction site. Did you know that it was here? And

667
00:30:43,600 --> 00:30:45,360
Speaker 2: she was like oh no, And I'm like, well, then

668
00:30:45,440 --> 00:30:47,600
Speaker 2: how do we bid? And she said, I'll get back

669
00:30:47,600 --> 00:30:49,400
Speaker 2: to you. So by now, I'm just frustrated. I'm like,

670
00:30:49,440 --> 00:30:50,840
Speaker 2: I don't even know what's happening. So I called a

671
00:30:50,840 --> 00:30:53,160
Speaker 2: friend of mine, Mark, who's one of my best friends,

672
00:30:53,160 --> 00:30:55,479
Speaker 2: and I said, Mark, I need a good realtor because

673
00:30:55,560 --> 00:30:57,600
Speaker 2: I just can't. And so he's like, well, my realtor

674
00:30:57,680 --> 00:30:59,520
Speaker 2: is a beast. I was like, yeah, people everybody said that.

675
00:30:59,520 --> 00:31:03,760
Speaker 2: He's like, no, no, no, she is a beast. Like if

676
00:31:03,800 --> 00:31:05,320
Speaker 2: I text her three o'clock in the morning, she texted

677
00:31:05,320 --> 00:31:07,040
Speaker 2: me back. I'm like what, I'm like, all right, connect

678
00:31:07,040 --> 00:31:09,960
Speaker 2: you with her. So that day I text her. She said,

679
00:31:09,960 --> 00:31:11,960
Speaker 2: can I call you back in ten minutes. We got

680
00:31:12,000 --> 00:31:15,120
Speaker 2: on the phone, and within thirty minutes of me speaking

681
00:31:15,120 --> 00:31:19,160
Speaker 2: to her, I was inside of that house and had

682
00:31:19,200 --> 00:31:21,400
Speaker 2: already put a bid in on the auction. I couldn't

683
00:31:21,440 --> 00:31:26,240
Speaker 2: believe it. She was phenomenal. That was like, because I

684
00:31:26,280 --> 00:31:27,600
Speaker 2: told her, I was like, oh, we can't get in

685
00:31:27,640 --> 00:31:29,520
Speaker 2: the house. She's like, who's that? You know what? She called?

686
00:31:29,560 --> 00:31:31,920
Speaker 2: She called around and she said, you know what, I'm

687
00:31:31,960 --> 00:31:34,680
Speaker 2: just gonna drive there and the owner. I didn't realize this,

688
00:31:34,720 --> 00:31:36,880
Speaker 2: but you know, when these houses are foreclosed, the bank

689
00:31:36,960 --> 00:31:40,160
Speaker 2: information is like staple to the door. And she was

690
00:31:40,200 --> 00:31:42,520
Speaker 2: able to reach out to them. Able to get the cold.

691
00:31:42,640 --> 00:31:44,480
Speaker 2: There's a lock box on the house. Get the cold.

692
00:31:44,640 --> 00:31:46,680
Speaker 2: She said, I'm here, come on down. The house is

693
00:31:46,680 --> 00:31:48,840
Speaker 2: only a few minutes from my house now, so Superman

694
00:31:48,840 --> 00:31:50,280
Speaker 2: and I drove by. We were able to walk to

695
00:31:50,320 --> 00:31:52,680
Speaker 2: the house. It's gorgeous. We wanted to get it. She

696
00:31:52,760 --> 00:31:56,840
Speaker 2: was like the other woman that had actually the old

697
00:31:56,880 --> 00:31:58,600
Speaker 2: realtor had told me that, like, if you put a

698
00:31:58,600 --> 00:32:00,160
Speaker 2: bid in, every time you put a bid in two

699
00:32:00,280 --> 00:32:02,800
Speaker 2: hundred and fifty dollars. So I suggest you don't bid.

700
00:32:03,040 --> 00:32:05,120
Speaker 2: It's going to go back to the to the bank

701
00:32:05,320 --> 00:32:07,520
Speaker 2: because these bidding sites are not real, and it's going

702
00:32:07,600 --> 00:32:09,280
Speaker 2: to go back to the bank, and then you could

703
00:32:09,280 --> 00:32:10,680
Speaker 2: buy it when the bank gets it back. But it's

704
00:32:10,680 --> 00:32:12,680
Speaker 2: two hundred and fifty dollars every time you bid. And

705
00:32:12,720 --> 00:32:14,160
Speaker 2: I was like, really, because I can read and I

706
00:32:14,160 --> 00:32:16,080
Speaker 2: didn't see that on the site. But maybe I'm missing something.

707
00:32:16,240 --> 00:32:20,640
Speaker 2: So I asked the new realtor, Amina, you know, I

708
00:32:20,640 --> 00:32:22,240
Speaker 2: don't know if I want to use this site because

709
00:32:22,240 --> 00:32:23,840
Speaker 2: I heard it's two hundred fifty dollars. She's like, who

710
00:32:23,840 --> 00:32:25,560
Speaker 2: told you that it's not on the site. And then

711
00:32:25,600 --> 00:32:28,800
Speaker 2: she called them and they were like no, And since then,

712
00:32:28,800 --> 00:32:30,960
Speaker 2: I like, because you know, when you bid, everybody else's bidet,

713
00:32:31,000 --> 00:32:32,520
Speaker 2: so you're trying to outfit each other. I've bid like

714
00:32:32,720 --> 00:32:36,600
Speaker 2: eight times no charges, and so I'm like, what is happening?

715
00:32:36,920 --> 00:32:41,880
Speaker 2: So either you're untruthful or you're just incompetent. I don't

716
00:32:41,920 --> 00:32:43,760
Speaker 2: either way, I'm like so over it. But I'm just

717
00:32:43,800 --> 00:32:47,040
Speaker 2: really grateful because all of these realtors that I've gone through,

718
00:32:48,920 --> 00:32:51,920
Speaker 2: it's led me to Amina, who is a beast. This

719
00:32:52,000 --> 00:32:54,440
Speaker 2: is a woman who has three jobs. She owns this

720
00:32:54,480 --> 00:32:59,239
Speaker 2: brokerage realtor like this firm with her family. She works well,

721
00:32:59,320 --> 00:33:02,080
Speaker 2: I won't say, but she has two other jobs, and

722
00:33:02,400 --> 00:33:06,360
Speaker 2: she's got five kids, girls, all under the age of seven.

723
00:33:07,960 --> 00:33:09,640
Speaker 2: And mean, while she looked twelve years old, you're like,

724
00:33:09,680 --> 00:33:11,720
Speaker 2: I mean, she's like twelve years old and like one

725
00:33:11,800 --> 00:33:14,800
Speaker 2: hundred pounds soaking wet. But met me out there and

726
00:33:14,840 --> 00:33:16,920
Speaker 2: she was like, Honestly, I've learned to be very efficient

727
00:33:17,000 --> 00:33:18,720
Speaker 2: because I like to spend time with my daughters and

728
00:33:18,760 --> 00:33:21,560
Speaker 2: my family and so you know, I don't waste any time.

729
00:33:21,840 --> 00:33:24,200
Speaker 2: And so I sent her a list of foreclosure properties

730
00:33:24,280 --> 00:33:26,760
Speaker 2: that I was interested in looking at. I had sent

731
00:33:26,800 --> 00:33:29,160
Speaker 2: this list to the other girl a while ago, because

732
00:33:29,320 --> 00:33:31,800
Speaker 2: the other girl had sent me maybe like a link

733
00:33:31,840 --> 00:33:34,040
Speaker 2: to like two hundred foreclosure properties. She said, I'll go

734
00:33:34,080 --> 00:33:35,840
Speaker 2: through them, but she was dragging her feet. So I

735
00:33:35,880 --> 00:33:38,240
Speaker 2: went through them all, got it down to twenty, and

736
00:33:38,240 --> 00:33:41,000
Speaker 2: then highlighted the six I like best. I heard nothing

737
00:33:41,040 --> 00:33:44,280
Speaker 2: back from the other girl Amina day two of our interaction,

738
00:33:44,560 --> 00:33:46,120
Speaker 2: she said, I drove by all the properties on the

739
00:33:46,120 --> 00:33:48,720
Speaker 2: list that you sent me. Here are my favorites, and

740
00:33:48,800 --> 00:33:50,680
Speaker 2: I created a spreadsheet of when they're going to be

741
00:33:50,680 --> 00:33:52,480
Speaker 2: auctioned off and when we can hit the auction. This

742
00:33:52,520 --> 00:33:55,240
Speaker 2: is day two. Day one, we're bidding on a house,

743
00:33:55,280 --> 00:33:58,520
Speaker 2: and inside this property, day two, she's creating spreadsheets. I

744
00:33:58,560 --> 00:34:01,200
Speaker 2: could cry with relief. And so it's almost like a

745
00:34:01,200 --> 00:34:03,680
Speaker 2: boost break, a break from people who do not deliver.

746
00:34:03,840 --> 00:34:06,080
Speaker 2: I don't think I even ask for that much. Truthfully.

747
00:34:06,280 --> 00:34:10,000
Speaker 2: I like to I personally that when I'm working with someone,

748
00:34:10,120 --> 00:34:12,160
Speaker 2: I like to meet you seventy percent. All I need

749
00:34:12,239 --> 00:34:15,239
Speaker 2: is thirty from you. Like I'm a doer, you know,

750
00:34:15,360 --> 00:34:18,520
Speaker 2: so if I'm hiring for something like I, you know,

751
00:34:18,520 --> 00:34:21,400
Speaker 2: and I'm also pretty anal about the way I like

752
00:34:21,440 --> 00:34:22,719
Speaker 2: things done. So I like to do a lot of

753
00:34:22,760 --> 00:34:24,319
Speaker 2: the work. And I told her that, like, I'm going

754
00:34:24,400 --> 00:34:25,960
Speaker 2: to do a lot of the heavy lifting. I just

755
00:34:26,000 --> 00:34:27,680
Speaker 2: need you to do the stuff that I can't legally

756
00:34:27,680 --> 00:34:30,760
Speaker 2: do because I'm not I'm not a realtor. And so

757
00:34:30,800 --> 00:34:32,680
Speaker 2: she has I mean, she doesn't even realize she's fired.

758
00:34:32,960 --> 00:34:35,640
Speaker 2: But Amina, I'm like, thank you, girl. I'm pretty sure

759
00:34:35,640 --> 00:34:38,280
Speaker 2: Amina doesn't listen, but I'm like, girl, you have restored

760
00:34:38,320 --> 00:34:43,080
Speaker 2: my faith and rilters. You are amazing. I have never

761
00:34:43,160 --> 00:34:45,759
Speaker 2: seen yo, Amina hustles harder than me. And I'm like,

762
00:34:45,840 --> 00:34:48,640
Speaker 2: that doesn't really happen. When I work with certain people

763
00:34:48,680 --> 00:34:50,520
Speaker 2: that are like usually they're like vactively leave me with

764
00:34:50,600 --> 00:34:53,759
Speaker 2: something to do. And I'm like, so yeah, So for

765
00:34:53,840 --> 00:34:56,759
Speaker 2: those of you who are like, you know, in service businesses,

766
00:34:57,000 --> 00:35:01,920
Speaker 2: like like, please deliver at the very least the bare minimum.

767
00:35:02,280 --> 00:35:03,759
Speaker 2: I don't even know what the other girl was thinking,

768
00:35:03,760 --> 00:35:04,799
Speaker 2: Like I said, I don't know if she was just

769
00:35:04,800 --> 00:35:07,520
Speaker 2: being untruthful or maybe she was trying and she just

770
00:35:07,600 --> 00:35:10,160
Speaker 2: wasn't affected. I don't know which is worth, you know,

771
00:35:10,239 --> 00:35:13,600
Speaker 2: being unaffective or being untruthful. Budd Either way, you gone, girl, gown.

772
00:35:14,400 --> 00:35:16,799
Speaker 2: You know, I wish you luck, but not with me.

773
00:35:17,120 --> 00:35:20,920
Speaker 2: I mean egg girl. We're betties now. So that is

774
00:35:20,920 --> 00:35:21,959
Speaker 2: my brown booth break.

775
00:35:31,719 --> 00:35:33,719
Speaker 3: Well, it's kind of a good segue for the questions

776
00:35:34,160 --> 00:35:37,200
Speaker 3: that we have for today. O God, because we have

777
00:35:37,239 --> 00:35:40,200
Speaker 3: a question I can really identify with this young lady.

778
00:35:40,239 --> 00:35:43,440
Speaker 3: So question from Ashley. She's thirty four years old and

779
00:35:43,480 --> 00:35:46,359
Speaker 3: she has a question about how do you decide when

780
00:35:46,440 --> 00:35:49,480
Speaker 3: it makes sense to relocate when you're doing okay in

781
00:35:49,520 --> 00:35:53,560
Speaker 3: a certain area already. So here's her situation. Ashley says,

782
00:35:53,560 --> 00:35:55,399
Speaker 3: my fiancee and I are both thirty four years old

783
00:35:55,440 --> 00:35:58,399
Speaker 3: and we currently live in Virginia Beach. We've lived here

784
00:35:58,400 --> 00:36:00,759
Speaker 3: for less than six years. He has good job and

785
00:36:00,800 --> 00:36:03,680
Speaker 3: I'm doing decently well in my career. We're both working

786
00:36:03,680 --> 00:36:06,480
Speaker 3: to pay off debt and to eventually invest in residential

787
00:36:06,480 --> 00:36:09,920
Speaker 3: real estate. We own our primary residence right now, but

788
00:36:09,960 --> 00:36:11,880
Speaker 3: the issue is that we don't really love the area

789
00:36:11,960 --> 00:36:14,400
Speaker 3: so much. We enjoy being close to the beach and

790
00:36:14,440 --> 00:36:17,040
Speaker 3: the cost of living is very reasonable, but we don't

791
00:36:17,040 --> 00:36:20,439
Speaker 3: have a lot of close friends. The area is politically conservative,

792
00:36:20,840 --> 00:36:24,120
Speaker 3: and it doesn't offer the best job opportunities in my field.

793
00:36:24,480 --> 00:36:28,279
Speaker 3: We're considering relocating to the DC metro area. We both

794
00:36:28,280 --> 00:36:31,359
Speaker 3: have close friends and family there. It's more liberal, there

795
00:36:31,360 --> 00:36:34,080
Speaker 3: are better job opportunities, and there's a great arts and

796
00:36:34,080 --> 00:36:37,839
Speaker 3: culture scene. The downside is the traffic and the high

797
00:36:37,880 --> 00:36:41,400
Speaker 3: cost of living, and of course the expense of buying

798
00:36:41,440 --> 00:36:43,800
Speaker 3: a home there, which they'd like to invest in real estate.

799
00:36:43,920 --> 00:36:47,640
Speaker 3: So what is your advice on making this decision? Does

800
00:36:47,680 --> 00:36:49,759
Speaker 3: it make sense to leave or stay where we are

801
00:36:49,760 --> 00:36:52,280
Speaker 3: comfortable and living beneath our means?

802
00:36:53,440 --> 00:36:55,279
Speaker 2: Well, I wonder is there a way to rent out

803
00:36:55,280 --> 00:36:58,000
Speaker 2: where you live now? You know, so that way it

804
00:36:58,000 --> 00:36:59,839
Speaker 2: can help with your if you decide to move.

805
00:37:00,719 --> 00:37:03,120
Speaker 3: Yeah, that'd be that'd be like the first logical step,

806
00:37:03,160 --> 00:37:06,279
Speaker 3: Like if you want extra income to go toward your

807
00:37:06,320 --> 00:37:09,960
Speaker 3: life in Washington, Yeah, renting out the house that you

808
00:37:10,040 --> 00:37:13,680
Speaker 3: live in seems like a smart way to go. Then

809
00:37:13,719 --> 00:37:16,800
Speaker 3: you become a landlord. Then it's like that's an extra layer.

810
00:37:17,600 --> 00:37:19,279
Speaker 3: That's the kind of thing that always sounds to me

811
00:37:19,440 --> 00:37:21,840
Speaker 3: really like it makes perfect sentence on paper, like I

812
00:37:21,880 --> 00:37:24,000
Speaker 3: would just buy something and then I'll rent it out

813
00:37:24,000 --> 00:37:26,000
Speaker 3: and I'll get income from that, But like what actually

814
00:37:26,000 --> 00:37:30,000
Speaker 3: goes into that and how complex can that be to

815
00:37:30,080 --> 00:37:31,560
Speaker 3: be a landlord?

816
00:37:31,719 --> 00:37:34,279
Speaker 2: Yeah, Well I've been a landlord and it could be

817
00:37:34,320 --> 00:37:37,120
Speaker 2: as simple as, honestly, if you've got a great tenant,

818
00:37:37,440 --> 00:37:39,239
Speaker 2: like I had an awesome tenant when I rented out

819
00:37:39,280 --> 00:37:41,279
Speaker 2: my condo. She used to literally write me out her

820
00:37:41,360 --> 00:37:43,120
Speaker 2: checks for the year. We would meet once a year

821
00:37:43,760 --> 00:37:45,279
Speaker 2: and she would write me all the checks like you know,

822
00:37:45,600 --> 00:37:49,839
Speaker 2: January first, Jebruary second, you know first, and then if

823
00:37:49,880 --> 00:37:52,399
Speaker 2: anything broke in the house, she would get like two

824
00:37:52,520 --> 00:37:54,960
Speaker 2: quotes and then pay for and then set me out

825
00:37:55,000 --> 00:37:58,319
Speaker 2: a replacement check minus what she paid. So she was amazing.

826
00:37:58,760 --> 00:38:01,480
Speaker 2: Although she was young, she used to have like I

827
00:38:01,480 --> 00:38:03,440
Speaker 2: don't know, the neighbors would complain she was like in

828
00:38:03,480 --> 00:38:05,839
Speaker 2: her like mid twenties, early twenties. I guess, I don't

829
00:38:05,880 --> 00:38:07,800
Speaker 2: know that she would have wild parties, but she definitely

830
00:38:07,920 --> 00:38:10,160
Speaker 2: was like, you know, had friends over, and so it

831
00:38:10,280 --> 00:38:12,200
Speaker 2: sucked because the neighbors chased her away even though she

832
00:38:12,239 --> 00:38:14,600
Speaker 2: was an awesome because it had always complained like you

833
00:38:14,600 --> 00:38:18,160
Speaker 2: always have too many friends over, So it could be that,

834
00:38:18,320 --> 00:38:19,680
Speaker 2: and it was like next to night I didn't you know,

835
00:38:19,719 --> 00:38:22,120
Speaker 2: there was no I didn't have to do anything. But

836
00:38:22,120 --> 00:38:24,120
Speaker 2: then you can also get like the nightmare tenant that's

837
00:38:24,160 --> 00:38:27,239
Speaker 2: not taking care of your things. But then you can

838
00:38:27,239 --> 00:38:31,000
Speaker 2: also think about maybe getting a one of those property managers.

839
00:38:31,040 --> 00:38:34,160
Speaker 3: I mean, yeah, typically those they charged like like my

840
00:38:34,239 --> 00:38:37,440
Speaker 3: uncle runs that business where he manages rental properties and

841
00:38:37,520 --> 00:38:40,760
Speaker 3: does does all like the the commo pair and stuff

842
00:38:40,760 --> 00:38:44,239
Speaker 3: for pairs, turning over the apartments like and I think

843
00:38:44,280 --> 00:38:47,400
Speaker 3: they charged like five percent of the rent or something

844
00:38:47,440 --> 00:38:50,160
Speaker 3: like that. And then my one of my colleagues also

845
00:38:50,200 --> 00:38:52,759
Speaker 3: has a place and he just runs a like he

846
00:38:52,880 --> 00:38:55,359
Speaker 3: it's in Long Island. He lives in Manhattan, and he

847
00:38:55,440 --> 00:38:57,319
Speaker 3: just has this company and they do everything and it's

848
00:38:57,400 --> 00:38:58,239
Speaker 3: very easy for him.

849
00:38:59,640 --> 00:39:02,319
Speaker 2: So and if you, I mean, you just want to

850
00:39:02,320 --> 00:39:04,800
Speaker 2: make sure obviously that what you're what you're being charged

851
00:39:04,800 --> 00:39:08,480
Speaker 2: by them is not eating up all of the income

852
00:39:09,320 --> 00:39:12,840
Speaker 2: that you're making. But to me, it sounds like to me,

853
00:39:13,120 --> 00:39:16,040
Speaker 2: I'd rather live someplace where I'm going to be happy,

854
00:39:16,680 --> 00:39:19,560
Speaker 2: you know, because I mean I get it, like living

855
00:39:19,600 --> 00:39:22,479
Speaker 2: below your means, but it doesn't mean that you can't

856
00:39:22,480 --> 00:39:25,319
Speaker 2: get there, meaning that like you can be creative with

857
00:39:25,400 --> 00:39:28,839
Speaker 2: your finances living in a in a maybe right outside DC,

858
00:39:29,200 --> 00:39:32,280
Speaker 2: like for example, like I live right outside right outside

859
00:39:32,880 --> 00:39:34,840
Speaker 2: New York, but I still enjoy a lot of the

860
00:39:34,840 --> 00:39:37,280
Speaker 2: benefits of New York at a lower way lower cost,

861
00:39:37,400 --> 00:39:40,200
Speaker 2: you know, and who's to say you have to get

862
00:39:40,200 --> 00:39:42,520
Speaker 2: like a you know, a brand new home maybe like

863
00:39:42,520 --> 00:39:45,560
Speaker 2: they're like these auction houses are, and then I'll give

864
00:39:45,600 --> 00:39:47,719
Speaker 2: more feedback, you know, next week about how it went.

865
00:39:48,239 --> 00:39:51,640
Speaker 2: But they're popping up and they're becoming more and more legitimate.

866
00:39:51,640 --> 00:39:54,319
Speaker 2: Like banks are really not wanting to go through the

867
00:39:54,360 --> 00:39:56,279
Speaker 2: process of selling a house, so they give it to

868
00:39:56,320 --> 00:39:58,359
Speaker 2: the auction house, and the auction house gets a percentage.

869
00:39:58,719 --> 00:40:02,879
Speaker 2: And so so you're able to find these homes then

870
00:40:02,920 --> 00:40:05,080
Speaker 2: do a drive by see if you like them, and

871
00:40:05,120 --> 00:40:08,840
Speaker 2: then you put a bit in and possibly pay way

872
00:40:08,960 --> 00:40:11,360
Speaker 2: less than what the house is actually worth, so you

873
00:40:11,400 --> 00:40:18,439
Speaker 2: can be creative about your new living digs. But yeah,

874
00:40:18,480 --> 00:40:20,960
Speaker 2: I don't think i'd stay someplace where I was unhappy

875
00:40:21,280 --> 00:40:25,239
Speaker 2: just for the savings, because I feel like savings can

876
00:40:25,280 --> 00:40:27,240
Speaker 2: be found other places in other ways.

877
00:40:28,160 --> 00:40:29,520
Speaker 3: Yeah, it's a give and take. I mean, I have

878
00:40:29,640 --> 00:40:31,560
Speaker 3: yet to find a place that has every single thing.

879
00:40:31,600 --> 00:40:33,480
Speaker 3: It's affordable, and it has a great quality of life,

880
00:40:33,480 --> 00:40:35,560
Speaker 3: and it has a great scene and like there's amenities

881
00:40:35,600 --> 00:40:38,359
Speaker 3: and you know, you're close to activities and stuff. I mean,

882
00:40:39,000 --> 00:40:41,359
Speaker 3: if I I mean, you're speaking to two people who

883
00:40:41,360 --> 00:40:44,200
Speaker 3: live outside of New York City. So obviously we're on

884
00:40:44,239 --> 00:40:47,040
Speaker 3: the bandwagon of like live where you have the best,

885
00:40:47,280 --> 00:40:48,960
Speaker 3: you know, the life that you want, even though it's

886
00:40:49,000 --> 00:40:52,520
Speaker 3: not necessarily the most affordable location, and then find creative

887
00:40:52,520 --> 00:40:56,400
Speaker 3: ways to make it affordable. Like I live in Jersey City,

888
00:40:56,600 --> 00:40:59,480
Speaker 3: and I knew I had to move out of Manhattan

889
00:40:59,560 --> 00:41:03,280
Speaker 3: or out of the boroughs of Manhattan if I wanted

890
00:41:03,320 --> 00:41:05,880
Speaker 3: to get the kind of apartment that I wanted with

891
00:41:05,960 --> 00:41:08,799
Speaker 3: the amenities that I wanted without breaking my budget. And

892
00:41:08,840 --> 00:41:11,200
Speaker 3: I had to do it by moving to Jersey City.

893
00:41:11,200 --> 00:41:13,120
Speaker 3: And like, actually a lot of things got a little

894
00:41:13,120 --> 00:41:16,680
Speaker 3: bit better. My commute got a lot better, my quality

895
00:41:16,719 --> 00:41:18,399
Speaker 3: of life got a lot better. And I just had

896
00:41:18,440 --> 00:41:21,279
Speaker 3: to give up that invisible wall that I think block

897
00:41:21,320 --> 00:41:23,680
Speaker 3: people's blocked people off from wanting to live outside of

898
00:41:23,719 --> 00:41:26,880
Speaker 3: Manhattan because it's not like, you know, officially New York City.

899
00:41:28,160 --> 00:41:30,000
Speaker 3: But I also get benefits, like I don't have to

900
00:41:30,040 --> 00:41:32,920
Speaker 3: pay the New York City income tax anymore, which is great.

901
00:41:33,080 --> 00:41:35,000
Speaker 3: So when my paychecks got a little bit bigger and

902
00:41:35,160 --> 00:41:37,799
Speaker 3: I'm a lot happier. And the big secret is that

903
00:41:37,880 --> 00:41:40,279
Speaker 3: my commute is only half an hour, which is like

904
00:41:40,400 --> 00:41:42,640
Speaker 3: half of what it used to be. So at the

905
00:41:42,680 --> 00:41:44,840
Speaker 3: end of the day, like it's your life, Like Tiffany said,

906
00:41:45,040 --> 00:41:47,239
Speaker 3: you should live where you're happiest and you're living your

907
00:41:47,280 --> 00:41:50,440
Speaker 3: best life. But just be prepared to give up some

908
00:41:50,560 --> 00:41:53,160
Speaker 3: of the things for what you're gaining. So maybe fact

909
00:41:53,200 --> 00:41:56,120
Speaker 3: with sitting in traffic and paying higher mortgage, that kind

910
00:41:56,160 --> 00:41:58,120
Speaker 3: of stuff. But I mean, if you're happy, don't let

911
00:41:58,160 --> 00:41:59,719
Speaker 3: anybody else make you feel like you're making the bad

912
00:41:59,800 --> 00:42:03,440
Speaker 3: CHOI because they wouldn't do something. Who cares what they

913
00:42:03,440 --> 00:42:03,880
Speaker 3: wouldn't do.

914
00:42:04,280 --> 00:42:06,520
Speaker 2: And it's not like you and your husband are are

915
00:42:07,280 --> 00:42:09,880
Speaker 2: pretty savvy financially, meaning like that's not going to go

916
00:42:09,960 --> 00:42:11,920
Speaker 2: away because you live in a more expensive city. You

917
00:42:11,920 --> 00:42:14,879
Speaker 2: guys are going to figure out ways to live within

918
00:42:14,920 --> 00:42:16,120
Speaker 2: your means no matter where you live.

919
00:42:16,239 --> 00:42:19,080
Speaker 3: You know, absolutely, I hear it too. Two train.

920
00:42:19,520 --> 00:42:20,840
Speaker 2: I know, I don't know where that. That's like this

921
00:42:21,040 --> 00:42:23,520
Speaker 2: random train that never moves except for apparently when I

922
00:42:23,600 --> 00:42:31,959
Speaker 2: want to take the train's a hater? Hey, hata any

923
00:42:32,000 --> 00:42:32,680
Speaker 2: other questions?

924
00:42:32,880 --> 00:42:34,520
Speaker 3: Yeah, I have one more, we can do one more question.

925
00:42:34,560 --> 00:42:37,960
Speaker 3: This one's from Dominique. She has a question about a

926
00:42:38,000 --> 00:42:41,359
Speaker 3: car Loan and I think a lot of people will

927
00:42:41,360 --> 00:42:44,680
Speaker 3: probably well understand where she's coming from. So her question

928
00:42:44,760 --> 00:42:47,320
Speaker 3: is what is the best way to get out of

929
00:42:47,360 --> 00:42:50,400
Speaker 3: a bad car loan? My credit score is below six hundred,

930
00:42:50,480 --> 00:42:53,960
Speaker 3: so refinancing is not an option for me. I've considered

931
00:42:54,000 --> 00:42:56,279
Speaker 3: selling the vehicle, but I owe more on the loan

932
00:42:56,360 --> 00:42:58,759
Speaker 3: than what the car is worth. I have a twenty

933
00:42:58,800 --> 00:43:01,759
Speaker 3: fourteen to it a camera. My current payoff amount the

934
00:43:01,800 --> 00:43:04,160
Speaker 3: amount how much I would need to pay off the loan,

935
00:43:04,239 --> 00:43:06,520
Speaker 3: it would be about fourteen thousand dollars, but the car

936
00:43:06,640 --> 00:43:09,880
Speaker 3: is only worth ten thousand dollars. I don't have anyone

937
00:43:09,920 --> 00:43:12,000
Speaker 3: to borrow money from to help me, and with my

938
00:43:12,120 --> 00:43:14,720
Speaker 3: car note and insurance, I'm paying close to five hundred

939
00:43:14,719 --> 00:43:17,719
Speaker 3: and forty dollars a month. I purchased my first three

940
00:43:17,760 --> 00:43:19,680
Speaker 3: cars in cash. This is going to be my first

941
00:43:19,719 --> 00:43:22,799
Speaker 3: and last car note. What can I do to get

942
00:43:22,840 --> 00:43:25,200
Speaker 3: out of this car loan out?

943
00:43:26,640 --> 00:43:30,000
Speaker 2: You know, this is like perfect timing. My sister got

944
00:43:30,000 --> 00:43:32,920
Speaker 2: a lease, so she she I don't know if you remember,

945
00:43:33,000 --> 00:43:36,120
Speaker 2: like earlier, if you listened to BA you know the

946
00:43:36,160 --> 00:43:38,680
Speaker 2: BA podcast. Like earlier, when we started, I was talking

947
00:43:38,719 --> 00:43:40,799
Speaker 2: about my sister had made the transition from that big

948
00:43:40,840 --> 00:43:44,799
Speaker 2: financial company that she hated, and then she transitioned she

949
00:43:44,840 --> 00:43:47,720
Speaker 2: really wanted to be a stylist, and transitioned into working

950
00:43:47,880 --> 00:43:52,680
Speaker 2: for a like retail companies as buy as a buyer. No,

951
00:43:52,760 --> 00:43:54,200
Speaker 2: she really wants to be a buyer. That's what she's

952
00:43:54,239 --> 00:43:57,160
Speaker 2: doing now, so she like is enjoying that now. But

953
00:43:57,360 --> 00:44:00,360
Speaker 2: as a result, it was a huge pay cut, like huge,

954
00:44:00,400 --> 00:44:04,279
Speaker 2: you know, and so it took a toll on her

955
00:44:04,320 --> 00:44:06,760
Speaker 2: trying to figure out her finances. And she needed a car,

956
00:44:07,200 --> 00:44:10,800
Speaker 2: so she never she'd always bought her cars in cash,

957
00:44:11,000 --> 00:44:12,959
Speaker 2: you know, like I don't know, a few years old.

958
00:44:13,000 --> 00:44:15,640
Speaker 2: But she had to get to work. She needed something

959
00:44:15,680 --> 00:44:18,439
Speaker 2: reliable because she works an hour away from where she lives.

960
00:44:18,760 --> 00:44:21,520
Speaker 2: So she ended up going for a lease. But because

961
00:44:21,560 --> 00:44:25,040
Speaker 2: she works so far, the lease, she's already in two

962
00:44:25,200 --> 00:44:28,960
Speaker 2: years basically like used up all her miles. So we've

963
00:44:28,960 --> 00:44:31,399
Speaker 2: been going back and forth the last couple of weeks.

964
00:44:31,400 --> 00:44:33,359
Speaker 2: I've been trying to like help her figure out, so

965
00:44:33,400 --> 00:44:36,800
Speaker 2: what do I do now? Basically like because if she

966
00:44:36,840 --> 00:44:38,359
Speaker 2: if she tries to turn in the car, she's gonna

967
00:44:38,360 --> 00:44:40,759
Speaker 2: owe so much money. So she decided that she's going

968
00:44:40,800 --> 00:44:42,480
Speaker 2: to buy the car. But then it was like, Okay,

969
00:44:42,760 --> 00:44:44,680
Speaker 2: who do buy from. So this is this is what

970
00:44:45,040 --> 00:44:47,680
Speaker 2: she's learned, and I'm going to share it with you listener.

971
00:44:47,840 --> 00:44:50,160
Speaker 2: That so I told her, you know, one go to

972
00:44:50,239 --> 00:44:54,440
Speaker 2: a credit union to see the car company itself, you know,

973
00:44:54,640 --> 00:44:57,040
Speaker 2: was obviously wanted to lend her, and then the bank

974
00:44:57,080 --> 00:45:01,440
Speaker 2: that she already banks at. Her credit score is not terrible,

975
00:45:01,480 --> 00:45:03,600
Speaker 2: but it's not great. It's like in the low to

976
00:45:03,680 --> 00:45:07,600
Speaker 2: mid six hundred, so higher than yours, but not the greatest.

977
00:45:07,840 --> 00:45:10,400
Speaker 2: So but she got I told her, you know, she

978
00:45:10,760 --> 00:45:14,319
Speaker 2: asked them what, you know, what their interest rates would

979
00:45:14,320 --> 00:45:16,319
Speaker 2: look like and what her pavement would look like. But

980
00:45:16,360 --> 00:45:19,400
Speaker 2: get very clear what it would look like at her

981
00:45:19,520 --> 00:45:22,400
Speaker 2: interest rate and at her credit score, because you know,

982
00:45:22,440 --> 00:45:23,879
Speaker 2: they're going to give you like the best, like oh,

983
00:45:23,960 --> 00:45:26,160
Speaker 2: you know, it's only two percent or whatever it is.

984
00:45:26,400 --> 00:45:29,080
Speaker 2: And she was like, yeah, but like what credit score

985
00:45:29,120 --> 00:45:30,960
Speaker 2: do you have to have in order to get two percent?

986
00:45:31,120 --> 00:45:34,400
Speaker 2: That's really important. So she figured out for herself. I

987
00:45:34,440 --> 00:45:35,800
Speaker 2: think she was able to get an interest rate of

988
00:45:35,840 --> 00:45:37,400
Speaker 2: three point two percent. She decided to go with a

989
00:45:37,400 --> 00:45:41,359
Speaker 2: credit union after like going back and forth her personal bank.

990
00:45:41,400 --> 00:45:43,480
Speaker 2: I think they wanted like three point seven and the

991
00:45:43,880 --> 00:45:46,960
Speaker 2: car and the company wanted like they were. They said

992
00:45:46,960 --> 00:45:49,080
Speaker 2: they could get it down to three point nine. So

993
00:45:49,120 --> 00:45:52,480
Speaker 2: the credit union was better, even though she wasn't a

994
00:45:52,520 --> 00:45:55,120
Speaker 2: member of the credit union. She said, yeah, but I'm

995
00:45:55,160 --> 00:45:56,880
Speaker 2: a member of any credit unions. I said, yeah, but

996
00:45:56,920 --> 00:45:58,600
Speaker 2: a lot of credit unions you can literally join that

997
00:45:58,680 --> 00:46:00,920
Speaker 2: day and apply that day. So she called around and

998
00:46:00,960 --> 00:46:03,239
Speaker 2: she found one I think Alliance to something or they

999
00:46:03,239 --> 00:46:05,879
Speaker 2: allowed that where she could join and apply right away.

1000
00:46:07,160 --> 00:46:10,640
Speaker 2: So what I would suggest it might be, actually, I mean,

1001
00:46:10,680 --> 00:46:12,600
Speaker 2: I know it sucks, but you might have to wait

1002
00:46:12,640 --> 00:46:14,640
Speaker 2: a couple of months to get your credit score up

1003
00:46:15,600 --> 00:46:18,040
Speaker 2: in order to then do your research about So I

1004
00:46:18,080 --> 00:46:20,200
Speaker 2: would start to do the research now, like what is

1005
00:46:20,280 --> 00:46:22,279
Speaker 2: the bare minimum credit score that I have to have

1006
00:46:22,960 --> 00:46:25,520
Speaker 2: in order to be able to refinance out of this

1007
00:46:25,600 --> 00:46:29,840
Speaker 2: car with like a credit union or the bank, your

1008
00:46:29,880 --> 00:46:31,480
Speaker 2: bank that you have like all of your like you know,

1009
00:46:31,560 --> 00:46:34,359
Speaker 2: banking stuff with because you have a relationship there, and

1010
00:46:34,480 --> 00:46:36,960
Speaker 2: work toward that credit score. It might not take as

1011
00:46:37,000 --> 00:46:38,359
Speaker 2: long as you think. It might take just a couple

1012
00:46:38,360 --> 00:46:41,399
Speaker 2: of months, and then think about refinancing so that way

1013
00:46:41,440 --> 00:46:45,440
Speaker 2: you pay a lower interest rate, or your interest rate

1014
00:46:45,440 --> 00:46:47,440
Speaker 2: will be lowered than your monthly payment will be lower.

1015
00:46:48,080 --> 00:46:50,160
Speaker 3: Yeah, it's surprising. I mean, I wonder if she's done

1016
00:46:50,160 --> 00:46:53,160
Speaker 3: any research and to see what's available to her, because

1017
00:46:54,040 --> 00:46:59,160
Speaker 3: fortunately slash unfortunately lenders. There are lenders specifically who will

1018
00:46:59,200 --> 00:47:03,120
Speaker 3: cater to the prime meaning bad credit market and will

1019
00:47:03,200 --> 00:47:05,600
Speaker 3: extend auto loans to people even if they have bad credit.

1020
00:47:05,640 --> 00:47:08,200
Speaker 3: You just have to be really careful because obviously those

1021
00:47:08,239 --> 00:47:12,920
Speaker 3: loans have high interest rates. So if you're looking to refinance,

1022
00:47:13,000 --> 00:47:15,560
Speaker 3: maybe at least do what tifany saysn't like, start shopping around,

1023
00:47:15,560 --> 00:47:18,359
Speaker 3: look for credit unions, look at local banks. There's some

1024
00:47:18,400 --> 00:47:22,760
Speaker 3: online lenders that also can offer some access to credit

1025
00:47:22,800 --> 00:47:24,760
Speaker 3: for people who may not have the greatest credit score.

1026
00:47:25,440 --> 00:47:27,919
Speaker 3: We just did a guide on auto loans for people

1027
00:47:27,920 --> 00:47:30,719
Speaker 3: who have bad credit, which has like really good information

1028
00:47:30,760 --> 00:47:32,239
Speaker 3: there that I can link to, and I'll send you

1029
00:47:32,239 --> 00:47:35,520
Speaker 3: a link to dominique to that guide to get started.

1030
00:47:37,080 --> 00:47:39,400
Speaker 3: But I think the key issue for her is that

1031
00:47:40,000 --> 00:47:42,959
Speaker 3: she is four thousand dollars in the red, like even

1032
00:47:43,000 --> 00:47:46,040
Speaker 3: if she sells the car. I mean, that's another option too.

1033
00:47:46,120 --> 00:47:48,120
Speaker 3: You could just cut your losses, sell the car, and

1034
00:47:48,120 --> 00:47:50,200
Speaker 3: then you have four thousand dollars and then just set

1035
00:47:50,200 --> 00:47:52,000
Speaker 3: yourself a goal to pay that off in a year

1036
00:47:52,520 --> 00:47:57,840
Speaker 3: and get debt free. That's honestly the hard, not great.

1037
00:47:57,920 --> 00:48:00,000
Speaker 3: I mean, that's the hard. I don't want to hear

1038
00:48:00,040 --> 00:48:03,439
Speaker 3: that advice advice because it's on it. I mean, four

1039
00:48:03,440 --> 00:48:06,279
Speaker 3: thousand dollars is I don't know what your situation is,

1040
00:48:06,320 --> 00:48:07,759
Speaker 3: but if you I feel like, if you just set

1041
00:48:07,800 --> 00:48:09,919
Speaker 3: a goal to pay that off in a year, get

1042
00:48:09,960 --> 00:48:13,160
Speaker 3: some side income, you know, scraight by, do whatever you

1043
00:48:13,200 --> 00:48:14,759
Speaker 3: can to pay that off, get debt free, then you've

1044
00:48:14,800 --> 00:48:17,880
Speaker 3: learn your lesson. You can start fresh.

1045
00:48:18,239 --> 00:48:21,160
Speaker 2: Yeah, no, I think that that And sometimes you have

1046
00:48:21,200 --> 00:48:23,160
Speaker 2: to take the l you know what I mean, Like,

1047
00:48:23,200 --> 00:48:25,080
Speaker 2: don't you just hate that? Sometimes you like, as an adult,

1048
00:48:25,160 --> 00:48:28,319
Speaker 2: you realize, oh, there there is no win loss. It's

1049
00:48:28,440 --> 00:48:32,520
Speaker 2: just loss or bigger loss. And sometimes that's how it

1050
00:48:32,640 --> 00:48:35,719
Speaker 2: like you have to just ask yourself, where where can

1051
00:48:35,760 --> 00:48:39,399
Speaker 2: I bleed less? Basically? And then you just you take

1052
00:48:39,680 --> 00:48:42,319
Speaker 2: the smallest l that you can. But then you move

1053
00:48:42,360 --> 00:48:45,120
Speaker 2: forward and you you know, you make different financial choices

1054
00:48:45,120 --> 00:48:46,120
Speaker 2: moving forward.

1055
00:48:46,400 --> 00:48:48,799
Speaker 3: And how you avoid that and going forward. I mean,

1056
00:48:49,080 --> 00:48:50,920
Speaker 3: you paid your first three cars in cash, that's one

1057
00:48:50,960 --> 00:48:53,600
Speaker 3: way to avoid it. But if you're we talk about

1058
00:48:53,600 --> 00:48:55,960
Speaker 3: the four to twenty ten role when it comes to

1059
00:48:56,000 --> 00:48:58,319
Speaker 3: car buying. And I love this rule because I think

1060
00:48:58,360 --> 00:49:00,839
Speaker 3: it establishes from the get go a really smart way

1061
00:49:00,880 --> 00:49:03,120
Speaker 3: to buy a car, so that you're not immediately kind

1062
00:49:03,120 --> 00:49:04,920
Speaker 3: of catching yourself in a situation where you're going to

1063
00:49:05,000 --> 00:49:07,920
Speaker 3: end up with a car that's worth less than what

1064
00:49:07,960 --> 00:49:10,320
Speaker 3: you owe on a loan. And the twenty part of

1065
00:49:10,360 --> 00:49:12,560
Speaker 3: the four to ten twenty rule is to put down

1066
00:49:12,600 --> 00:49:16,000
Speaker 3: at least twenty percent of a down payment. And this

1067
00:49:16,080 --> 00:49:18,120
Speaker 3: is to just get ahead of the problem with cars,

1068
00:49:18,160 --> 00:49:19,960
Speaker 3: which is that as soon as you drive off the lot,

1069
00:49:20,000 --> 00:49:22,759
Speaker 3: they lose like fifteen percent of their value, and after

1070
00:49:22,840 --> 00:49:25,560
Speaker 3: a year it's even more of their value it depreciates.

1071
00:49:26,200 --> 00:49:28,080
Speaker 3: So if you put down that much, at least you

1072
00:49:28,080 --> 00:49:30,480
Speaker 3: know you're financing the true value of the car, you know,

1073
00:49:30,520 --> 00:49:33,400
Speaker 3: a year from now, and that'll kind of prevent, you know,

1074
00:49:33,480 --> 00:49:35,640
Speaker 3: owing more than what the car is worth. And the

1075
00:49:36,160 --> 00:49:38,319
Speaker 3: ten the ten part of the four to twenty ten

1076
00:49:38,400 --> 00:49:41,560
Speaker 3: rule is to make sure that your transportation costs, the

1077
00:49:41,640 --> 00:49:44,040
Speaker 3: cost of owning that car is going to be less

1078
00:49:44,040 --> 00:49:46,520
Speaker 3: than ten percent of your gross income, you know, for

1079
00:49:46,560 --> 00:49:49,520
Speaker 3: a year for a month, which is one way to

1080
00:49:49,960 --> 00:49:52,319
Speaker 3: tell whether or not you know you're going to have

1081
00:49:52,360 --> 00:49:55,080
Speaker 3: payments that you can actually afford. And the four part

1082
00:49:55,320 --> 00:49:58,239
Speaker 3: is to make sure that you don't take out a

1083
00:49:58,320 --> 00:50:03,040
Speaker 3: loan with the term longer than four years. You see, now,

1084
00:50:02,640 --> 00:50:06,040
Speaker 3: some lenders will give loan terms for auto for cars

1085
00:50:06,440 --> 00:50:11,360
Speaker 3: over eighty months, like seventy six months, like eighty four months.

1086
00:50:11,360 --> 00:50:15,600
Speaker 3: It's crazy, and people will sign up for them because

1087
00:50:15,640 --> 00:50:17,640
Speaker 3: they they see, oh, that's a great way to get

1088
00:50:17,640 --> 00:50:20,759
Speaker 3: a lower monthly payment. But when you actually look at

1089
00:50:20,760 --> 00:50:24,040
Speaker 3: how much you're paying an interest over how many years

1090
00:50:24,120 --> 00:50:26,160
Speaker 3: is eighty four months? Like? What is that really bad?

1091
00:50:26,200 --> 00:50:29,600
Speaker 3: A month right now? Six? Seven years, eight years, eight years,

1092
00:50:29,640 --> 00:50:33,280
Speaker 3: I think, I don't know, a long, long freaking time.

1093
00:50:33,960 --> 00:50:35,840
Speaker 3: You're literally just handing money to the lendra at the

1094
00:50:35,880 --> 00:50:39,640
Speaker 3: end of the day. Yeah, and you're almost gonna certainly

1095
00:50:39,680 --> 00:50:42,319
Speaker 3: be paying more than the actual value of the car

1096
00:50:42,360 --> 00:50:43,160
Speaker 3: that you're purchasing.

1097
00:50:43,800 --> 00:50:46,439
Speaker 2: Yeah, well for sure, that's what interest is all about.

1098
00:50:47,360 --> 00:50:49,560
Speaker 3: I'm really really embarrassed. I don't know what eighty four

1099
00:50:49,560 --> 00:50:50,600
Speaker 3: are divided by twelve.

1100
00:50:51,800 --> 00:50:55,399
Speaker 2: Okay, I'm not a mather.

1101
00:50:55,719 --> 00:50:58,640
Speaker 3: It's seven. I knew that seven years.

1102
00:50:58,680 --> 00:50:59,120
Speaker 2: Sheesh.

1103
00:51:00,040 --> 00:51:02,920
Speaker 3: Fun in time, I won my multiplication competition in the

1104
00:51:02,920 --> 00:51:06,759
Speaker 3: third grade. Once upon a time, one of time, not

1105
00:51:07,000 --> 00:51:12,520
Speaker 3: long ago, but good luck Dominique. And uh, yeah, that's

1106
00:51:12,680 --> 00:51:14,960
Speaker 3: that's uh it's a rough it's a rough situation, and

1107
00:51:15,000 --> 00:51:17,960
Speaker 3: it's it's hard because so many, you know, people have

1108
00:51:18,040 --> 00:51:20,800
Speaker 3: been worried that like bad auto loans are gonna be

1109
00:51:20,840 --> 00:51:24,799
Speaker 3: the new housing crisis because so many, so many, so

1110
00:51:24,840 --> 00:51:27,759
Speaker 3: many banks were giving these crazy, big, huge loans to

1111
00:51:27,880 --> 00:51:30,319
Speaker 3: people that they can't afford. And you hear the same

1112
00:51:30,400 --> 00:51:34,560
Speaker 3: kind of thing like Santander, which was a big bank

1113
00:51:34,680 --> 00:51:37,719
Speaker 3: in the subprime model Ending Space was found to like

1114
00:51:37,840 --> 00:51:40,399
Speaker 3: be underwriting these like giving these loans to people without

1115
00:51:40,480 --> 00:51:43,760
Speaker 3: verifying their income, the same way that people were giving

1116
00:51:44,000 --> 00:51:47,480
Speaker 3: people houses without or mortgages without you know, verifying their income.

1117
00:51:47,520 --> 00:51:49,920
Speaker 3: And it's kind of it's a little bit troubling.

1118
00:51:50,040 --> 00:52:00,160
Speaker 1: So yeah, I know she's not alone.

1119
00:52:03,520 --> 00:52:08,600
Speaker 2: Well, now it's time to say almost goodbye to all

1120
00:52:08,760 --> 00:52:16,840
Speaker 2: our b A family bw R ow N And like

1121
00:52:16,960 --> 00:52:18,880
Speaker 2: that mean I should have said that for the end,

1122
00:52:18,880 --> 00:52:20,000
Speaker 2: because we still have to do wins.

1123
00:52:20,920 --> 00:52:22,840
Speaker 3: What even does b w R.

1124
00:52:29,040 --> 00:52:30,440
Speaker 2: You can't math, I can't spell.

1125
00:52:30,600 --> 00:52:33,160
Speaker 3: Oh lord, everyone's lost their faith in us.

1126
00:52:34,960 --> 00:52:38,040
Speaker 2: Oh so what you're going to win? All I do

1127
00:52:38,160 --> 00:52:41,440
Speaker 2: is when when win, no matter what, go ahead, you

1128
00:52:41,480 --> 00:52:42,359
Speaker 2: can go first with your win.

1129
00:52:43,320 --> 00:52:46,840
Speaker 3: I'm gonna do it advance when actually I'm really dreading

1130
00:52:46,880 --> 00:52:48,399
Speaker 3: this week so much I don't think I have any

1131
00:52:48,400 --> 00:52:50,200
Speaker 3: positive energy to leave on. Then a good note with

1132
00:52:50,719 --> 00:52:53,440
Speaker 3: like a three day work week sounds amazing, but I

1133
00:52:53,480 --> 00:52:55,640
Speaker 3: know I'm gonna have to work today to get ahead

1134
00:52:55,680 --> 00:52:58,040
Speaker 3: of the week, and I'm gonna have to probably work

1135
00:52:58,680 --> 00:53:01,160
Speaker 3: like before my mom's wedding to make sure that the

1136
00:53:01,600 --> 00:53:03,759
Speaker 3: that everything happens in a three day week that needs

1137
00:53:03,800 --> 00:53:05,880
Speaker 3: to happen in a five day week. I'm a little scared.

1138
00:53:06,239 --> 00:53:08,560
Speaker 3: Do you know? I had a dream this weekend. I

1139
00:53:08,960 --> 00:53:10,799
Speaker 3: know when people say I had a dream, everyone rolls

1140
00:53:10,800 --> 00:53:13,239
Speaker 3: your eyes. But anyway, I had a dream. If you're

1141
00:53:13,239 --> 00:53:16,000
Speaker 3: not Mlka Junior, if you say a dream is really annoying.

1142
00:53:16,600 --> 00:53:18,960
Speaker 3: I literally had a dream and it was an email exchange.

1143
00:53:19,600 --> 00:53:22,280
Speaker 3: Like it wasn't a scary email exchange. It was literally

1144
00:53:22,360 --> 00:53:24,040
Speaker 3: just like me sending a letter to one of my

1145
00:53:24,080 --> 00:53:26,439
Speaker 3: writer or email to one of my writers saying, oh

1146
00:53:26,480 --> 00:53:28,240
Speaker 3: did you get the outline for this story? That's great,

1147
00:53:28,480 --> 00:53:30,960
Speaker 3: and like back and forth. What does that say about me?

1148
00:53:31,920 --> 00:53:34,520
Speaker 2: Yeah? So I always do that, Like literally I will

1149
00:53:34,600 --> 00:53:36,440
Speaker 2: dream that just like I'm working. It just said that

1150
00:53:36,480 --> 00:53:37,879
Speaker 2: we're overworked.

1151
00:53:38,680 --> 00:53:41,960
Speaker 3: Over maybe I'm just thinking about work too much before

1152
00:53:41,960 --> 00:53:44,680
Speaker 3: I go to bed. So I guess my win is

1153
00:53:44,800 --> 00:53:46,319
Speaker 3: just going to be a cry for help to Lord

1154
00:53:46,360 --> 00:53:47,200
Speaker 3: get me through this week.

1155
00:53:48,239 --> 00:53:52,040
Speaker 2: This is true, my well, you know what this is

1156
00:53:52,120 --> 00:53:55,560
Speaker 2: kind of random? Is I want to shout out Jazz Daniel.

1157
00:53:55,680 --> 00:53:58,960
Speaker 2: He is. For those of you who've been following me,

1158
00:53:59,000 --> 00:54:00,879
Speaker 2: you know that I have been working on a children's book,

1159
00:54:00,960 --> 00:54:03,799
Speaker 2: like intermittently, not like you know, really putting in the work,

1160
00:54:04,080 --> 00:54:06,840
Speaker 2: but just I had this idea and I had this

1161
00:54:06,960 --> 00:54:09,279
Speaker 2: character that I really want to put out there, and

1162
00:54:09,719 --> 00:54:13,000
Speaker 2: finding an illustrator was not easy. So my wind this

1163
00:54:13,120 --> 00:54:16,560
Speaker 2: week is that I found an amazing brown man in

1164
00:54:16,600 --> 00:54:20,359
Speaker 2: the illustrator who has drawn the most delicious, cute little

1165
00:54:20,360 --> 00:54:26,000
Speaker 2: girl who is going to be, you know, the subject

1166
00:54:26,040 --> 00:54:28,480
Speaker 2: of these series of children's books that I want to write.

1167
00:54:28,640 --> 00:54:31,359
Speaker 2: I'm just super excited because I really want to one

1168
00:54:31,920 --> 00:54:36,040
Speaker 2: help parents have these pre financial conversations, That's what I

1169
00:54:36,120 --> 00:54:39,399
Speaker 2: call them, because I mean, at three and four, you're

1170
00:54:39,400 --> 00:54:41,560
Speaker 2: not you know, you're teaching kids about money. Doesn't make sense,

1171
00:54:41,760 --> 00:54:43,920
Speaker 2: But there are some conversations you can have to lay

1172
00:54:43,960 --> 00:54:48,120
Speaker 2: the groundwork, like about community, about sharing, about giving, about selfishness.

1173
00:54:48,239 --> 00:54:49,920
Speaker 2: So I really want to start creating a series of

1174
00:54:49,960 --> 00:54:53,880
Speaker 2: books that help parents have those conversations with kids, but

1175
00:54:53,920 --> 00:54:56,000
Speaker 2: in a way that's age appropriate because the preschool teacher

1176
00:54:56,000 --> 00:54:57,279
Speaker 2: in me is like, I know how to do that.

1177
00:54:57,960 --> 00:55:00,200
Speaker 2: And so but I wanted a character that was going

1178
00:55:00,239 --> 00:55:04,120
Speaker 2: to be reflective of the audience that I wanted to reach,

1179
00:55:04,440 --> 00:55:06,680
Speaker 2: well bigger than that. I wanted a character that was

1180
00:55:06,719 --> 00:55:11,240
Speaker 2: going to be like like like the Cosby's or Dora.

1181
00:55:11,440 --> 00:55:14,120
Speaker 2: Like when people think about Dora, they're just like, oh,

1182
00:55:14,160 --> 00:55:15,880
Speaker 2: this is just a great cartoon for kids, and she

1183
00:55:16,000 --> 00:55:19,000
Speaker 2: happens to be Latina, or this is a great family

1184
00:55:19,080 --> 00:55:21,160
Speaker 2: and they happen to be black. And that's what I wanted.

1185
00:55:21,400 --> 00:55:24,719
Speaker 2: Like this little girl's brown, she's got four sea hair,

1186
00:55:25,120 --> 00:55:29,080
Speaker 2: super cute. But I didn't want that. I wanted anyone

1187
00:55:29,120 --> 00:55:32,359
Speaker 2: who read it to resonate, for it to resonate with them,

1188
00:55:32,680 --> 00:55:35,400
Speaker 2: and but she happens to be black, you know. And

1189
00:55:35,480 --> 00:55:40,640
Speaker 2: so so that way it teaches these core lessons, but

1190
00:55:40,680 --> 00:55:43,959
Speaker 2: then there's also these secondary and like, you know, lessons

1191
00:55:44,000 --> 00:55:46,799
Speaker 2: about culture and about you know, and so I'm just

1192
00:55:46,840 --> 00:55:50,920
Speaker 2: really excited because I finally got like I finally approved

1193
00:55:50,920 --> 00:55:54,359
Speaker 2: the sketch of her, and she's so adorable and cute,

1194
00:55:54,400 --> 00:55:57,400
Speaker 2: and it's exactly what I wanted because sometimes when brown

1195
00:55:57,480 --> 00:56:01,040
Speaker 2: characters are made, it's like all of the all that

1196
00:56:01,040 --> 00:56:05,640
Speaker 2: that comes along with like sometimes brownness and blackness is

1197
00:56:05,680 --> 00:56:08,879
Speaker 2: a race or at least watered down, you know, And

1198
00:56:08,920 --> 00:56:11,920
Speaker 2: so I didn't want that. I wanted her to be like, no,

1199
00:56:12,280 --> 00:56:15,200
Speaker 2: she's black, you know, although she her family's gonna be

1200
00:56:15,200 --> 00:56:18,239
Speaker 2: definitely mixed, so like she'll have her white aunt and

1201
00:56:18,320 --> 00:56:21,160
Speaker 2: her Latina uncle and all that kind of stuff. But

1202
00:56:21,200 --> 00:56:25,239
Speaker 2: I wanted her, in particular to just be regular black,

1203
00:56:25,280 --> 00:56:28,040
Speaker 2: little cute little girl with her little chunky nose and

1204
00:56:28,040 --> 00:56:34,359
Speaker 2: her full lips and slightly slightly big belly. My team

1205
00:56:34,480 --> 00:56:36,239
Speaker 2: was like, I was like, I want her chunky, because

1206
00:56:36,280 --> 00:56:38,799
Speaker 2: every little girl is not super skinny. Like let her

1207
00:56:38,800 --> 00:56:40,319
Speaker 2: look like a little girl. I had a little belly

1208
00:56:40,320 --> 00:56:43,160
Speaker 2: when I was ten. I got a little belly now darted,

1209
00:56:44,360 --> 00:56:46,960
Speaker 2: and so I'm excited because it looks like the way

1210
00:56:47,000 --> 00:56:50,080
Speaker 2: I wanted it to look, and I just I feel

1211
00:56:50,080 --> 00:56:51,600
Speaker 2: good about it. I had a dream about her being

1212
00:56:51,600 --> 00:56:54,560
Speaker 2: on TV, Like I was watching her cartoon in my dream,

1213
00:56:54,840 --> 00:56:57,360
Speaker 2: and I was like oh maybe that's the next step, hey, Nickelodeon,

1214
00:56:58,200 --> 00:57:00,880
Speaker 2: But yeah, so that's my win. When is Jazz? You

1215
00:57:00,920 --> 00:57:03,799
Speaker 2: are awesome. Thank you for bringing my dream to life

1216
00:57:03,800 --> 00:57:07,359
Speaker 2: without watering it down and making this beautiful little brown girl.

1217
00:57:07,520 --> 00:57:11,440
Speaker 2: And who is she's her model is a Supergirl. So

1218
00:57:11,480 --> 00:57:13,880
Speaker 2: I gave him pictures of Supergirl to say, like, make

1219
00:57:13,960 --> 00:57:15,680
Speaker 2: her like this. And Supergirl has been great and her

1220
00:57:15,680 --> 00:57:18,320
Speaker 2: mom had been helping, like when stuff came back, they

1221
00:57:18,320 --> 00:57:19,520
Speaker 2: would both look at it and be like, oh, a

1222
00:57:19,560 --> 00:57:21,160
Speaker 2: little bit here, a little bit. They're a little taller,

1223
00:57:21,200 --> 00:57:23,480
Speaker 2: a little bit chunkier, a little bit, you know. So

1224
00:57:23,520 --> 00:57:25,360
Speaker 2: it's been awesome because it's been like a family affair,

1225
00:57:25,520 --> 00:57:31,760
Speaker 2: so you know, the new normal family where it's like stepmom, mom, dad, daughter,

1226
00:57:32,000 --> 00:57:32,200
Speaker 2: you know.

1227
00:57:32,600 --> 00:57:35,480
Speaker 3: So I love it. I love kids books and to

1228
00:57:35,480 --> 00:57:38,560
Speaker 3: have a book about like we just gave our my

1229
00:57:38,640 --> 00:57:41,280
Speaker 3: husband's scoped out our little personal finance book with like

1230
00:57:41,320 --> 00:57:43,840
Speaker 3: some we got our some stockpile gift cards. You know,

1231
00:57:43,880 --> 00:57:46,000
Speaker 3: it's like the you can give stock as a gift

1232
00:57:46,160 --> 00:57:48,880
Speaker 3: through a gift card now anyway. But I was like, man,

1233
00:57:48,920 --> 00:57:50,680
Speaker 3: let's find a good like money book for kids. And

1234
00:57:50,720 --> 00:57:52,640
Speaker 3: I just the book Shore. We went to there was

1235
00:57:52,640 --> 00:57:54,960
Speaker 3: nothing so to have like a cute little book for

1236
00:57:55,040 --> 00:57:57,920
Speaker 3: kids about money that's like the perfect gift. You got

1237
00:57:57,960 --> 00:58:01,640
Speaker 3: a baby shower or like whatever. So the excited, right.

1238
00:58:01,520 --> 00:58:03,600
Speaker 2: I'm excited too because I'm just like I just feel like,

1239
00:58:04,080 --> 00:58:06,640
Speaker 2: you know, you just when sometimes you're making a decision

1240
00:58:06,720 --> 00:58:10,360
Speaker 2: or a choice, you can feel like the shift. You know.

1241
00:58:10,360 --> 00:58:14,760
Speaker 2: I think everyone has like noted that ooh, this change

1242
00:58:14,840 --> 00:58:17,120
Speaker 2: is going to be a pivotal shift, and it's going

1243
00:58:17,160 --> 00:58:19,560
Speaker 2: to create a pivotal shift in my life. And I

1244
00:58:19,600 --> 00:58:22,360
Speaker 2: feel like this is one of those things like when

1245
00:58:22,360 --> 00:58:24,960
Speaker 2: I stopped teaching preschool, I knew, like, Okay, this is

1246
00:58:24,960 --> 00:58:27,200
Speaker 2: a pivotal shift. And for some reason, you know, and

1247
00:58:27,240 --> 00:58:29,320
Speaker 2: I've done other things before that been awesome and great,

1248
00:58:29,560 --> 00:58:31,880
Speaker 2: but for some reason, this little girl, this little character,

1249
00:58:32,440 --> 00:58:35,280
Speaker 2: she's been like it's been very clear to me that

1250
00:58:35,320 --> 00:58:38,640
Speaker 2: there's a shift, you know, happening with this character. So

1251
00:58:38,880 --> 00:58:41,200
Speaker 2: I'm excited to see like where this goes because I

1252
00:58:41,320 --> 00:58:43,760
Speaker 2: just have a feeling about it like that, you know.

1253
00:58:44,000 --> 00:58:46,080
Speaker 2: My goal is for her to be the next door

1254
00:58:46,160 --> 00:58:49,560
Speaker 2: the explorer that like you know, I was. If you

1255
00:58:49,760 --> 00:58:51,120
Speaker 2: when you don't you don't have the kids, but you do,

1256
00:58:51,120 --> 00:58:52,480
Speaker 2: you know, Nick Steppens.

1257
00:58:52,600 --> 00:58:54,680
Speaker 3: Oh, yeah, we talked about Doc mc steppens.

1258
00:58:54,920 --> 00:58:57,240
Speaker 2: So I was getting Chinese food from my sister and

1259
00:58:57,600 --> 00:59:02,560
Speaker 2: I was in there and the lady, assuming she's Chinese,

1260
00:59:02,680 --> 00:59:05,080
Speaker 2: and so her daughter was sitting at a table playing

1261
00:59:05,080 --> 00:59:07,880
Speaker 2: with her friend, and the little her daughter, who's obviously Chinese,

1262
00:59:08,200 --> 00:59:11,200
Speaker 2: had a little Docma Stefan's doll, and I was like,

1263
00:59:11,280 --> 00:59:14,440
Speaker 2: that's what I mean that, Like, it's not like this

1264
00:59:14,520 --> 00:59:17,240
Speaker 2: little girl's like, I'm playing with the black doll. She's like, no,

1265
00:59:17,360 --> 00:59:19,560
Speaker 2: I'm playing with a doll from a show that I enjoy,

1266
00:59:19,880 --> 00:59:22,720
Speaker 2: and that's what I want. But it's teaching her this

1267
00:59:22,920 --> 00:59:27,320
Speaker 2: secondary kind of like you know that, oh you know

1268
00:59:27,440 --> 00:59:30,680
Speaker 2: that she's not even realizing that it's normalizing a little

1269
00:59:30,680 --> 00:59:33,640
Speaker 2: brown girl as a doctor and part of my life,

1270
00:59:33,720 --> 00:59:35,560
Speaker 2: you know what I mean. And so that's what I'm wanting.

1271
00:59:35,560 --> 00:59:38,840
Speaker 2: I'm wanting that kind of door the explored Docmak Steffans

1272
00:59:39,440 --> 00:59:43,080
Speaker 2: Cosby show effect, where you know that it normalizes that

1273
00:59:44,200 --> 00:59:46,960
Speaker 2: all people can be all things and you know that

1274
00:59:47,000 --> 00:59:49,800
Speaker 2: they can also be a part of your life. So, yeah,

1275
00:59:50,480 --> 00:59:53,400
Speaker 2: good things. So some of your good good rais and

1276
00:59:53,440 --> 00:59:56,640
Speaker 2: good good if you have any vegan recipes some simple

1277
00:59:56,640 --> 00:59:59,800
Speaker 2: ones too. You can send those two some big d

1278
01:00:00,000 --> 01:00:02,280
Speaker 2: please yeah, telling them that they can send them if

1279
01:00:02,320 --> 01:00:04,480
Speaker 2: you have some simple like some of y'all send me

1280
01:00:04,560 --> 01:00:06,320
Speaker 2: some vegan stuff And I'm like child, anybody be in

1281
01:00:06,320 --> 01:00:08,240
Speaker 2: the kitchen for three hours cooking it up like that

1282
01:00:08,320 --> 01:00:10,120
Speaker 2: because it's only me. No one else is vegan in

1283
01:00:10,120 --> 01:00:14,080
Speaker 2: the house. So some simple, yummy vegan recipes that make

1284
01:00:14,160 --> 01:00:16,160
Speaker 2: me say mmm, Like, you know, I like cooking, but

1285
01:00:16,240 --> 01:00:19,360
Speaker 2: I'm not like super shechpholic, so I like to keep

1286
01:00:19,400 --> 01:00:20,680
Speaker 2: it down to just a few steps.

1287
01:00:21,200 --> 01:00:23,360
Speaker 3: Got it all right? Well, if you guys have any

1288
01:00:23,400 --> 01:00:26,280
Speaker 3: ideas for TIFT, you can go to non Ambition podcast

1289
01:00:26,360 --> 01:00:29,920
Speaker 3: dot com. You can send us a question at Brown

1290
01:00:29,960 --> 01:00:32,880
Speaker 3: Ambition podcast dot com or hit us up on Twitter

1291
01:00:32,920 --> 01:00:37,280
Speaker 3: at the BA podcast or on Facebook. Bro An Ambition

1292
01:00:38,200 --> 01:00:42,080
Speaker 3: and Real Quick courtesy announcement of a change coming to

1293
01:00:42,120 --> 01:00:45,000
Speaker 3: the show beginning the next Wednesday to celebrate our two

1294
01:00:45,080 --> 01:00:49,040
Speaker 3: year anniversary. One of the ways we're celebrating is to

1295
01:00:49,160 --> 01:00:51,960
Speaker 3: change up the publication of the show, so we're no

1296
01:00:52,040 --> 01:00:54,880
Speaker 3: longer be airing on Tuesday mornings. You will cantune into

1297
01:00:54,960 --> 01:00:59,760
Speaker 3: us on Wednesday mornings, So prepare yourself.

1298
01:01:00,560 --> 01:01:02,760
Speaker 2: Yes, I'm so glad you remember that I totally forgot,

1299
01:01:02,840 --> 01:01:06,400
Speaker 2: Yes Wednesday, I like Wedda's hump Day. Can we can

1300
01:01:06,440 --> 01:01:08,520
Speaker 2: help you get over the hump day?

1301
01:01:08,640 --> 01:01:13,720
Speaker 3: Yeah, many, many, many hump day jokes in your future.

1302
01:01:14,640 --> 01:01:15,640
Speaker 3: You're welcome in advance.

1303
01:01:16,280 --> 01:01:17,760
Speaker 2: I was thinking that, like, oh, I can't live with

1304
01:01:17,840 --> 01:01:18,840
Speaker 2: these updays jokes