1
00:00:16,360 --> 00:00:21,680
Speaker 1: Hey, hey, hey, well back, we're black and brown.

2
00:00:23,079 --> 00:00:25,480
Speaker 2: Last time I checked. Oh you know what I found out?

3
00:00:26,079 --> 00:00:29,040
Speaker 2: My brother texted me, so this Hi, I'm Mandy. This

4
00:00:29,120 --> 00:00:34,199
Speaker 2: is brown ambition. You're here. You made it? Yes, that's Tiffany.

5
00:00:35,120 --> 00:00:37,760
Speaker 2: So my little brother had got my dad a DNA

6
00:00:37,880 --> 00:00:42,160
Speaker 2: test for Christmas. You know, it's ancestry dot com DNA test.

7
00:00:42,200 --> 00:00:46,040
Speaker 2: And actually my husband got me one from the other

8
00:00:46,200 --> 00:00:52,280
Speaker 2: DNA test. It's called the Google one twenty three and me, okay, anyway,

9
00:00:52,400 --> 00:00:55,200
Speaker 2: I was like, okay, great, I'll see if these are accurate.

10
00:00:55,240 --> 00:00:56,840
Speaker 2: I'll see what my dad says and then compare it

11
00:00:56,880 --> 00:00:59,160
Speaker 2: to mine. I don't have mine yet. But my my

12
00:00:59,160 --> 00:01:01,960
Speaker 2: brother texted me and he's meanwhile, we all know my

13
00:01:02,000 --> 00:01:05,400
Speaker 2: father's black, right, Yeah. He's like, so dad is African.

14
00:01:05,840 --> 00:01:12,800
Speaker 2: I'm like, yeah, not surprising. And he's like, he's West African. Yeah,

15
00:01:12,880 --> 00:01:18,319
Speaker 2: so is like anybody who descended from slaves, right, So

16
00:01:18,400 --> 00:01:21,360
Speaker 2: it's pretty funny he actually has he's like nineteen percent

17
00:01:21,400 --> 00:01:26,520
Speaker 2: and Nigerian. Yeah, okay, what does that make me? Like

18
00:01:26,560 --> 00:01:30,120
Speaker 2: twenty five I don't know, fifteen no, ten percent Nigerian.

19
00:01:30,160 --> 00:01:32,679
Speaker 2: I don't know how that works out like that. And

20
00:01:32,720 --> 00:01:36,880
Speaker 2: then he's twenty percent Senegalese okay, and the rest of

21
00:01:36,920 --> 00:01:43,800
Speaker 2: them ben In, Thanks beanin fourteen percent, Cameroon, ten percent,

22
00:01:43,880 --> 00:01:48,240
Speaker 2: Ivory Coast, Ghana, and then ten percent it says Africa

23
00:01:48,400 --> 00:01:51,400
Speaker 2: Southeastern Bantu. What is that. I think it's like maybe

24
00:01:51,400 --> 00:01:54,920
Speaker 2: a region that might I don't know, I might cover

25
00:01:55,000 --> 00:01:58,680
Speaker 2: part of South Africa. Anyhow, what I found hilarious, well

26
00:01:58,680 --> 00:02:02,360
Speaker 2: not hilarious, kind of sad, was so obviously my dad's

27
00:02:02,360 --> 00:02:06,880
Speaker 2: people defense descended from slaves and when they got to America,

28
00:02:06,880 --> 00:02:09,160
Speaker 2: because it shows like how far his lineage just has

29
00:02:09,320 --> 00:02:12,600
Speaker 2: his lineage has moved. We haven't gotten further than like Louisiana.

30
00:02:13,200 --> 00:02:16,760
Speaker 2: It's like Georgia, the Carolina's, it's very much like in

31
00:02:16,800 --> 00:02:22,160
Speaker 2: the southeastern part of the US. So that's my that's

32
00:02:22,200 --> 00:02:22,680
Speaker 2: my people.

33
00:02:23,480 --> 00:02:27,040
Speaker 1: Wow, that's awesome. I can't wait to hear your results.

34
00:02:27,040 --> 00:02:28,640
Speaker 1: I'm actually really curious. I kind of want to do

35
00:02:28,720 --> 00:02:33,120
Speaker 1: mine just to see like is it true, you know,

36
00:02:33,320 --> 00:02:37,880
Speaker 1: because I mean according to my people, like you know,

37
00:02:38,160 --> 00:02:42,240
Speaker 1: like we're Nigerian and but I do know like for example,

38
00:02:42,280 --> 00:02:44,400
Speaker 1: Lovey did I think she did twenty three and me

39
00:02:44,760 --> 00:02:49,399
Speaker 1: and she found out actually that she was more. Oh,

40
00:02:49,480 --> 00:02:53,160
Speaker 1: what's the neighboring country. I don't know if it was Cameroonian,

41
00:02:53,600 --> 00:02:56,680
Speaker 1: but she was more of the more of the neighboring country.

42
00:02:56,720 --> 00:02:59,320
Speaker 1: I can't remember what country she said. Then she was

43
00:02:59,360 --> 00:03:02,440
Speaker 1: actually Nigeria and she was trying to figure out, oh why.

44
00:03:02,639 --> 00:03:09,040
Speaker 1: But because here's the thing, Like Lovey is Uraba. And

45
00:03:09,160 --> 00:03:12,360
Speaker 1: we have to remember that during the Council of Whatever

46
00:03:12,520 --> 00:03:16,440
Speaker 1: like or the at some point European countries sliced and

47
00:03:16,480 --> 00:03:22,399
Speaker 1: diced up Africa and they created these countries. But if

48
00:03:22,400 --> 00:03:25,240
Speaker 1: you look at Lovey and you know like what she is,

49
00:03:25,360 --> 00:03:29,000
Speaker 1: which is African and Yorba, what you will find is

50
00:03:29,040 --> 00:03:34,440
Speaker 1: that there is Yorba. The real country or land of

51
00:03:34,560 --> 00:03:40,000
Speaker 1: Yurba overlaps those two countries. So it's not that it's like, oh,

52
00:03:40,040 --> 00:03:42,520
Speaker 1: you know, you're not Nigerian. No, she's truly Yourba. Like

53
00:03:42,880 --> 00:03:46,160
Speaker 1: it it like so if these two countries are neighboring,

54
00:03:46,560 --> 00:03:49,320
Speaker 1: Yorba land is on both sides of the country, and

55
00:03:49,440 --> 00:03:51,160
Speaker 1: just the line was drawn and all of a sudden,

56
00:03:51,200 --> 00:03:53,840
Speaker 1: you're Nigerian. But it's like no, I'm just so. And

57
00:03:53,920 --> 00:03:57,800
Speaker 1: what they found too is that she's very very Urba,

58
00:03:57,920 --> 00:04:00,840
Speaker 1: meaning like they were really excited to get her DNA

59
00:04:00,880 --> 00:04:03,960
Speaker 1: into the system because her DNA is now a marker

60
00:04:04,400 --> 00:04:07,600
Speaker 1: to set for other people to see how you're about

61
00:04:07,640 --> 00:04:10,440
Speaker 1: or how Nigerian or how Cameronian and whatever they are.

62
00:04:11,320 --> 00:04:13,800
Speaker 1: Because it's like your mom is, you're about your dad is,

63
00:04:13,800 --> 00:04:15,880
Speaker 1: you're about your grandparents and your grandparents and your grandparents

64
00:04:15,920 --> 00:04:17,000
Speaker 1: and your grand you know what I mean, Like you

65
00:04:17,000 --> 00:04:20,320
Speaker 1: don't get too many people. Yeah, so I'm really curious

66
00:04:20,360 --> 00:04:23,320
Speaker 1: to see with my people, like I know that like

67
00:04:23,400 --> 00:04:25,240
Speaker 1: on at least on my dad's side, I know, like

68
00:04:25,880 --> 00:04:27,880
Speaker 1: my dad can go back up at four generations, like

69
00:04:27,920 --> 00:04:30,160
Speaker 1: when Aliche, which is my last thing, well not so

70
00:04:30,279 --> 00:04:34,880
Speaker 1: much anymore, but Aliche was like like was just one name,

71
00:04:35,120 --> 00:04:37,400
Speaker 1: like when my great great great great grandfather his name

72
00:04:37,440 --> 00:04:40,760
Speaker 1: was Alich, and then when our village was founded by

73
00:04:40,760 --> 00:04:44,279
Speaker 1: four brothers, and so it's just like he could go

74
00:04:44,360 --> 00:04:46,719
Speaker 1: back that far because we have like African telling oral

75
00:04:46,760 --> 00:04:48,440
Speaker 1: history and so every kid in the village can go

76
00:04:48,480 --> 00:04:50,960
Speaker 1: back that far. But so it would be interesting to

77
00:04:51,000 --> 00:04:54,400
Speaker 1: see if there's like any deviation or are we just

78
00:04:54,560 --> 00:04:55,720
Speaker 1: super Ebo you.

79
00:04:55,680 --> 00:04:59,680
Speaker 2: Know, yeah, I mean it's also every country I listen

80
00:04:59,720 --> 00:05:02,440
Speaker 2: to my that is from, they're all basically neighboring countries

81
00:05:02,480 --> 00:05:05,600
Speaker 2: on the West coast. You know, one of the origins

82
00:05:05,640 --> 00:05:08,520
Speaker 2: of the slave trade. And you know, if you ever

83
00:05:08,520 --> 00:05:11,560
Speaker 2: read the book Homegoing, I had talked about it before

84
00:05:11,720 --> 00:05:15,080
Speaker 2: on the show. It's by yag Yasi. I learned more

85
00:05:15,160 --> 00:05:17,960
Speaker 2: about the slave trade and the history of West Africa

86
00:05:18,040 --> 00:05:20,040
Speaker 2: from that book than I ever learned in school. And

87
00:05:20,080 --> 00:05:23,719
Speaker 2: it is. It is a fantastic book. It tells it

88
00:05:23,839 --> 00:05:26,360
Speaker 2: starts at the beginning. It starts I think in Ghana.

89
00:05:26,800 --> 00:05:28,960
Speaker 2: The author is Ghandian, and it starts with the tribe

90
00:05:29,000 --> 00:05:31,840
Speaker 2: in Ghana, the very first tribe who selled their people

91
00:05:31,960 --> 00:05:36,560
Speaker 2: to the Europeans as slaves. And it tells one story,

92
00:05:36,600 --> 00:05:40,039
Speaker 2: one person's story, from every descendant of that family through

93
00:05:40,080 --> 00:05:41,640
Speaker 2: the books all the way up until I think the

94
00:05:41,720 --> 00:05:46,560
Speaker 2: nineteen eighties. Is just like phenomenal that I highly recommend it.

95
00:05:46,560 --> 00:05:48,520
Speaker 2: It's awesome. I have a little bit of read it too.

96
00:05:48,560 --> 00:05:49,600
Speaker 1: What is it.

97
00:05:49,600 --> 00:05:53,680
Speaker 2: It's called Homegoing by yah Kyasi. Let me look it up.

98
00:05:55,440 --> 00:05:57,320
Speaker 1: That sounds interesting, Yeah.

99
00:05:57,160 --> 00:06:02,360
Speaker 2: Yah Yasi, it's y Aa g y A s I

100
00:06:02,360 --> 00:06:05,320
Speaker 2: I'll post a Lincoln and the show notes too, because

101
00:06:06,200 --> 00:06:08,960
Speaker 2: me by the have me by it was like squeezing

102
00:06:08,960 --> 00:06:10,640
Speaker 2: my heart the entire time reading that book.

103
00:06:11,200 --> 00:06:18,800
Speaker 1: That's like the book by uh Chimamanda. Oh yeah, she

104
00:06:18,880 --> 00:06:23,280
Speaker 1: wrote this book called Half a Yellow Sun, and you know,

105
00:06:23,400 --> 00:06:25,360
Speaker 1: for most people of the context, it's like, oh okay,

106
00:06:25,400 --> 00:06:29,200
Speaker 1: but it was crazy because it's that book talks about

107
00:06:29,320 --> 00:06:34,120
Speaker 1: the Nigerian Civil War, which put Ebos, who live in

108
00:06:34,120 --> 00:06:36,760
Speaker 1: the south and kind of west against the rest of

109
00:06:36,800 --> 00:06:40,880
Speaker 1: the country. And my parents lived through that and to read,

110
00:06:40,960 --> 00:06:42,240
Speaker 1: I mean because my dad used to tell the stories

111
00:06:42,240 --> 00:06:45,520
Speaker 1: when we were younger, but to read it and like

112
00:06:45,640 --> 00:06:47,919
Speaker 1: knowing and like putting things together, Like I remember, they

113
00:06:47,960 --> 00:06:50,440
Speaker 1: didn't go to school for a few years. Like my mom,

114
00:06:50,520 --> 00:06:53,039
Speaker 1: who grew up as a city girl. All these Ebos

115
00:06:53,080 --> 00:06:55,800
Speaker 1: had to leave major cities because they're being literally killed

116
00:06:56,040 --> 00:06:58,240
Speaker 1: and had to go back to their ancestral lands, which

117
00:06:58,279 --> 00:06:59,960
Speaker 1: is the village. And that's where my mom and dad

118
00:07:00,440 --> 00:07:03,039
Speaker 1: met because my mom was you know, although they had

119
00:07:03,120 --> 00:07:05,240
Speaker 1: land in the village, she wasn't a village girl, but

120
00:07:05,320 --> 00:07:07,880
Speaker 1: my dad was a village guy. So it's almost like

121
00:07:08,760 --> 00:07:11,320
Speaker 1: if a civil war were to hit and like you

122
00:07:11,400 --> 00:07:13,120
Speaker 1: had to go back down south to like you know,

123
00:07:13,160 --> 00:07:16,480
Speaker 1: where your people are from, you know, to not be

124
00:07:16,640 --> 00:07:18,640
Speaker 1: killed because right now in the big city, if they

125
00:07:18,720 --> 00:07:21,280
Speaker 1: find out that you're evil, Like there were stories of

126
00:07:21,680 --> 00:07:24,280
Speaker 1: a plane being about to take off people like evils

127
00:07:24,280 --> 00:07:27,160
Speaker 1: were trying to leave and them stopping the plane and

128
00:07:27,240 --> 00:07:30,840
Speaker 1: having people say certain words in Urbi and other languages

129
00:07:30,960 --> 00:07:32,600
Speaker 1: to see if you said it with an evil accent

130
00:07:32,600 --> 00:07:36,160
Speaker 1: and killing you right there. It was crazy times and starving,

131
00:07:36,600 --> 00:07:40,480
Speaker 1: like starving like the South, and to try to make

132
00:07:40,480 --> 00:07:42,960
Speaker 1: them to submit. It was just to read it though

133
00:07:43,240 --> 00:07:45,760
Speaker 1: and know like asking my parents like that happened, and

134
00:07:45,800 --> 00:07:48,640
Speaker 1: like seeing like my aunts and my uncles and asking

135
00:07:48,680 --> 00:07:51,280
Speaker 1: them because you know, my dad is in his seventies,

136
00:07:51,320 --> 00:07:53,240
Speaker 1: my mom is in her sixties and so it's not

137
00:07:53,360 --> 00:07:57,040
Speaker 1: that long ago, and just being able to kind of say, Daddy,

138
00:07:57,080 --> 00:07:59,240
Speaker 1: did you know did this happen? Did you live through this?

139
00:07:59,360 --> 00:08:01,760
Speaker 1: And so it was really now that had me like

140
00:08:02,040 --> 00:08:04,240
Speaker 1: in tears, like I can't believe you live through that?

141
00:08:04,480 --> 00:08:07,520
Speaker 1: How did you even live? You know? Yeah, that's such

142
00:08:07,520 --> 00:08:10,120
Speaker 1: a great book, but I think even more so it

143
00:08:10,320 --> 00:08:14,080
Speaker 1: just touched me just being ebo and reading like, you know,

144
00:08:14,400 --> 00:08:17,240
Speaker 1: this history of my people and just just you know,

145
00:08:17,360 --> 00:08:22,720
Speaker 1: how what a devastating time that was. Yes, some books

146
00:08:22,720 --> 00:08:25,040
Speaker 1: have you like on your back, like lot.

147
00:08:24,720 --> 00:08:28,320
Speaker 2: You know the best. Those are two great recommendations. I've

148
00:08:28,320 --> 00:08:30,200
Speaker 2: had Half a Yellow Son on my bookshelf for a

149
00:08:30,200 --> 00:08:33,559
Speaker 2: while and I haven't read it yet. I've read Americana

150
00:08:33,840 --> 00:08:37,079
Speaker 2: and then we should all be feminists. By I think

151
00:08:37,120 --> 00:08:40,200
Speaker 2: I butchered her last name. It's Ngozi and g Ozi

152
00:08:40,440 --> 00:08:43,800
Speaker 2: Jim in London and Gozi Adichi excellent.

153
00:08:44,559 --> 00:08:49,800
Speaker 1: Yes, okay, So for those of you who know my surgeries,

154
00:08:49,880 --> 00:08:53,000
Speaker 1: in a couple of days, I'm both nervous and relieved.

155
00:08:53,000 --> 00:08:55,480
Speaker 1: I'm like, I'm so I'm ready, but I'm so glad

156
00:08:55,480 --> 00:08:57,199
Speaker 1: they're gonna be knocking me out because I was worried.

157
00:08:57,360 --> 00:09:00,280
Speaker 1: I mean, I guess I figured, but they it's imilar

158
00:09:00,360 --> 00:09:03,400
Speaker 1: to like fibroid surgery. From what I understand, the one

159
00:09:03,400 --> 00:09:06,080
Speaker 1: I'm getting is like similar to like a C section,

160
00:09:06,760 --> 00:09:08,679
Speaker 1: so I know during a C section, they don't knock

161
00:09:08,720 --> 00:09:10,040
Speaker 1: you out. So I was like, wait, you're gonna knock

162
00:09:10,080 --> 00:09:11,880
Speaker 1: me out right because I don't want to be like awake,

163
00:09:11,960 --> 00:09:14,199
Speaker 1: and they're like, yes, Tiffany, you will not be awake.

164
00:09:15,040 --> 00:09:19,120
Speaker 1: So I'm like, eh, so I'm curious. Part of me

165
00:09:19,160 --> 00:09:21,320
Speaker 1: wants to be like so I want to see what

166
00:09:21,320 --> 00:09:26,760
Speaker 1: it looks like when you take them out. No, because

167
00:09:26,760 --> 00:09:29,240
Speaker 1: a friend of mine just posted on Facebook she actually

168
00:09:29,320 --> 00:09:32,280
Speaker 1: has two days worth of fiveboards, so she has seventeen.

169
00:09:32,480 --> 00:09:34,440
Speaker 2: Oh my god, I didn't realize.

170
00:09:34,520 --> 00:09:37,280
Speaker 1: You know, it's not until like you share that you're

171
00:09:37,320 --> 00:09:39,600
Speaker 1: going through something that you realize how many people are

172
00:09:39,640 --> 00:09:42,840
Speaker 1: going through. I would I could honestly say, if I've

173
00:09:42,840 --> 00:09:46,839
Speaker 1: told ten women that I'm getting fibroid surgery, at least

174
00:09:46,920 --> 00:09:49,959
Speaker 1: I would say four have said, oh I have five

175
00:09:50,000 --> 00:09:52,000
Speaker 1: words too, or I had the surgery, or you know,

176
00:09:52,360 --> 00:09:55,640
Speaker 1: like it's so just the amount of women that and

177
00:09:55,679 --> 00:09:57,520
Speaker 1: have just listened to the podcast. So many of you

178
00:09:57,559 --> 00:09:59,120
Speaker 1: have reached out to me, thank you so much.

179
00:10:00,400 --> 00:10:02,560
Speaker 2: Who are like, yeah, me too, don't google it. Who

180
00:10:02,600 --> 00:10:08,319
Speaker 2: that was a mistake, you know, like a fleshy grapefruit.

181
00:10:08,800 --> 00:10:10,440
Speaker 1: Yeah, that's basically what it looks like. It's like just

182
00:10:10,440 --> 00:10:12,959
Speaker 1: this fleshy ball and they cannot figure out why they grow,

183
00:10:13,640 --> 00:10:16,000
Speaker 1: and they're really prevalent, and women in their like thirties

184
00:10:16,000 --> 00:10:21,559
Speaker 1: and forties, and so yeah, it's just I mean, and

185
00:10:21,760 --> 00:10:23,640
Speaker 1: it's pretty common surgery. You don't really you know, so

186
00:10:23,679 --> 00:10:26,600
Speaker 1: I'm you know, I can honestly say I'm not nervous

187
00:10:26,640 --> 00:10:29,120
Speaker 1: just because it's not I'm like my husband had and

188
00:10:29,240 --> 00:10:32,440
Speaker 1: yours in brain surgery. Now that's you know, like, ah,

189
00:10:32,600 --> 00:10:34,720
Speaker 1: super risky because you know, one false move. But I

190
00:10:34,720 --> 00:10:37,600
Speaker 1: feel like the surgery is common enough, but still it's surgery,

191
00:10:37,640 --> 00:10:39,720
Speaker 1: and when they put you under, there's always a risk

192
00:10:39,760 --> 00:10:42,760
Speaker 1: of not coming back. And you know, they were like

193
00:10:43,240 --> 00:10:45,600
Speaker 1: they're asking all these questions with beforehand, like a week

194
00:10:45,640 --> 00:10:48,560
Speaker 1: before you have to kind of go through prep where

195
00:10:48,559 --> 00:10:51,200
Speaker 1: they tell you like they'll eat for a certain time

196
00:10:51,640 --> 00:10:54,440
Speaker 1: and what not to take, and don't worry, you know,

197
00:10:54,440 --> 00:10:56,040
Speaker 1: don't worry the jewelry when you come in, just like

198
00:10:56,040 --> 00:10:58,120
Speaker 1: all these different things. And she was like, is there

199
00:10:58,120 --> 00:11:01,199
Speaker 1: anything that would prevent you from like you know, religious

200
00:11:01,240 --> 00:11:03,360
Speaker 1: for religious reasons whatever, for you not to get like

201
00:11:03,360 --> 00:11:06,520
Speaker 1: a blood transfusion. I'm like, wait, what just in case,

202
00:11:06,720 --> 00:11:08,800
Speaker 1: like you know that they're doing surgery and you start

203
00:11:08,840 --> 00:11:12,520
Speaker 1: bleeding uncontrollably, I'm like, yikes. I was like, give me

204
00:11:12,559 --> 00:11:17,199
Speaker 1: blaed I'm fine. Girls. Just stuff like that. But I'm

205
00:11:17,200 --> 00:11:21,120
Speaker 1: also really excited to finally move past this part and

206
00:11:21,200 --> 00:11:25,520
Speaker 1: just be like who we sigh and oh and good

207
00:11:25,559 --> 00:11:27,920
Speaker 1: news about the house, I finally can share we are

208
00:11:27,960 --> 00:11:33,640
Speaker 1: ready to close, but I decided we're actually gonna push

209
00:11:33,679 --> 00:11:36,400
Speaker 1: to closing because I'm like, well, I don't so two things.

210
00:11:37,000 --> 00:11:39,800
Speaker 1: The bank has been just like h just a mess.

211
00:11:39,840 --> 00:11:42,959
Speaker 1: But we finally have to deed and my realtors that

212
00:11:43,000 --> 00:11:44,960
Speaker 1: we can close anytime. But I told her, you know,

213
00:11:44,960 --> 00:11:46,480
Speaker 1: I'm having a surgery, and she's like, well, how long

214
00:11:46,480 --> 00:11:47,679
Speaker 1: would you have to be in the house. I said

215
00:11:47,920 --> 00:11:49,720
Speaker 1: for about the month of February for the bolt part.

216
00:11:49,920 --> 00:11:51,600
Speaker 1: So she was like, well, how about this. It doesn't

217
00:11:51,600 --> 00:11:53,760
Speaker 1: make sense to close now because I was going to

218
00:11:53,800 --> 00:11:55,880
Speaker 1: close before, she said, because you won't be able to

219
00:11:55,880 --> 00:11:58,120
Speaker 1: get to the house for a month. If you close

220
00:11:58,559 --> 00:12:02,240
Speaker 1: first thing in March one, it gives them time to

221
00:12:02,520 --> 00:12:04,400
Speaker 1: because of the trouble that they've put us through of

222
00:12:04,400 --> 00:12:08,640
Speaker 1: getting the house. She requested what's called the seller's concession,

223
00:12:09,480 --> 00:12:11,880
Speaker 1: where the seller can sde something to you. So we

224
00:12:11,960 --> 00:12:14,040
Speaker 1: asked for money off. They said no because they had

225
00:12:14,080 --> 00:12:16,040
Speaker 1: already given us five thousand dollars off when we put

226
00:12:16,040 --> 00:12:17,640
Speaker 1: the initial bid in. We got the house for one

227
00:12:17,720 --> 00:12:20,000
Speaker 1: eighty instead of one eighty five. So she said, well,

228
00:12:20,040 --> 00:12:22,880
Speaker 1: at least will you deliver the house broom swept because

229
00:12:22,880 --> 00:12:25,040
Speaker 1: the house is a foreclosure. So there's still a ton

230
00:12:25,080 --> 00:12:27,360
Speaker 1: of furniture and stuff in there, which we would have

231
00:12:27,400 --> 00:12:29,880
Speaker 1: to get a dumpster for and a permit, and we

232
00:12:30,000 --> 00:12:33,080
Speaker 1: have to pay to have the garbage remove whatever. And

233
00:12:33,080 --> 00:12:35,920
Speaker 1: they said, yeah, so they will pay for someone to

234
00:12:36,960 --> 00:12:39,160
Speaker 1: clean the house and bring it to us empty, which

235
00:12:39,160 --> 00:12:41,240
Speaker 1: is a you know, that could be a few thousand dollars.

236
00:12:41,559 --> 00:12:43,640
Speaker 1: It costs depending on how much stuff it is, because

237
00:12:43,679 --> 00:12:46,400
Speaker 1: sometimes make you pay for trash by the pound if

238
00:12:46,400 --> 00:12:48,319
Speaker 1: you're taking a dumbster away. So she said, if I

239
00:12:48,360 --> 00:12:49,800
Speaker 1: are you, I will go in there, rip up any

240
00:12:49,800 --> 00:12:53,000
Speaker 1: carpet you don't want, and just like get all anything

241
00:12:53,000 --> 00:12:54,400
Speaker 1: that you don't want in the house let them take

242
00:12:54,400 --> 00:12:56,120
Speaker 1: it out. So I said okay, And then she said

243
00:12:56,120 --> 00:13:00,800
Speaker 1: two February quarter one taxes are due, and I think

244
00:13:00,840 --> 00:13:03,719
Speaker 1: our taxes are like six hundred something bucks a month

245
00:13:03,800 --> 00:13:06,040
Speaker 1: or whatever. So she was like, let them pay Q

246
00:13:06,240 --> 00:13:08,720
Speaker 1: on taxes. That's your concession right there that way, because

247
00:13:08,760 --> 00:13:10,520
Speaker 1: you don't own the house yet, since you know, you

248
00:13:10,520 --> 00:13:13,080
Speaker 1: can decide you're closing later. So I was like, woo woo.

249
00:13:13,120 --> 00:13:15,160
Speaker 1: My realtor is the bomb dot com. So we're gonna

250
00:13:15,200 --> 00:13:17,840
Speaker 1: let them pay taxes, let them clean it out and

251
00:13:18,280 --> 00:13:21,400
Speaker 1: we'll close the first thing in March and to a

252
00:13:21,480 --> 00:13:23,520
Speaker 1: clean house and we can do whatever we want with

253
00:13:23,559 --> 00:13:24,080
Speaker 1: it from there.

254
00:13:25,120 --> 00:13:31,200
Speaker 2: That makes sense. Oh yeah, I'm excited springtime a new house, I.

255
00:13:31,240 --> 00:13:33,640
Speaker 1: Know, and like the weather, like hopefully it'll break because

256
00:13:33,640 --> 00:13:35,240
Speaker 1: that was my concern. I'm like, oh, no one wants

257
00:13:35,240 --> 00:13:38,240
Speaker 1: to do any like work, construction stuff whatever and when

258
00:13:38,240 --> 00:13:41,400
Speaker 1: it's cold. And she told us, she was like, she

259
00:13:41,520 --> 00:13:43,960
Speaker 1: just texted me a little while ago. She said, just

260
00:13:44,040 --> 00:13:47,640
Speaker 1: so you know, I got the updated comp for your

261
00:13:47,640 --> 00:13:49,599
Speaker 1: house about like what your house is currently worth in

262
00:13:49,640 --> 00:13:52,880
Speaker 1: its current state, and it's currently worth about three hundred

263
00:13:52,880 --> 00:13:55,920
Speaker 1: and sixty six thousand dollars. She was like, give her take,

264
00:13:56,200 --> 00:13:57,839
Speaker 1: and I was like wow. She was like, but I

265
00:13:57,880 --> 00:14:00,800
Speaker 1: think with the with whatever audition, in whatever you know,

266
00:14:00,840 --> 00:14:02,360
Speaker 1: you fix it up to. She's like, I really can

267
00:14:02,440 --> 00:14:04,520
Speaker 1: see your house being worth more than four hundred thousand.

268
00:14:04,640 --> 00:14:07,760
Speaker 1: And meanwhile, we bought it for one eighty and we

269
00:14:07,760 --> 00:14:11,760
Speaker 1: were really fortunate because doing foreclosures, you just never know

270
00:14:11,880 --> 00:14:14,400
Speaker 1: like when when the house was being foreclosed upon, I

271
00:14:14,440 --> 00:14:16,560
Speaker 1: don't know what the original people bought it for, but

272
00:14:16,840 --> 00:14:19,640
Speaker 1: they owed three seventy on the house when they bought it,

273
00:14:19,840 --> 00:14:21,760
Speaker 1: and the bank really wanted two twenty. They wanted to

274
00:14:21,760 --> 00:14:24,040
Speaker 1: recoup at least through twenty, but we got it for,

275
00:14:24,760 --> 00:14:26,760
Speaker 1: like I said, one eighty. So they're going that's why

276
00:14:26,760 --> 00:14:28,840
Speaker 1: they were like Salad's concession of five thousand, and we're

277
00:14:28,880 --> 00:14:33,200
Speaker 1: already losing body, you know. So yeah, so they wanted

278
00:14:33,200 --> 00:14:34,680
Speaker 1: to two twenty. We got it for one eighty and

279
00:14:34,680 --> 00:14:37,520
Speaker 1: they were old three seventy, which just goes to show

280
00:14:37,560 --> 00:14:40,160
Speaker 1: you like, yeah, there's deals out there. It's I mean,

281
00:14:40,160 --> 00:14:41,800
Speaker 1: they're not you know, people will make you think like, oh,

282
00:14:41,800 --> 00:14:44,880
Speaker 1: there's foreclosures everywhere that aren't like are great. But with

283
00:14:44,960 --> 00:14:47,320
Speaker 1: the little patients, you can find a deal out there

284
00:14:47,000 --> 00:14:50,080
Speaker 1: if you're willing. When you're looking for a home.

285
00:14:50,360 --> 00:14:52,520
Speaker 2: Yeah, a lot of patients. You guys started this process

286
00:14:52,640 --> 00:14:54,040
Speaker 2: back in what like.

287
00:14:54,840 --> 00:14:57,200
Speaker 1: A year ago? Yeah, no, well further than that, like

288
00:14:57,240 --> 00:14:59,800
Speaker 1: it's been more than a year. Like we started this

289
00:15:00,000 --> 00:15:02,920
Speaker 1: particular house process back in September, but before that, we

290
00:15:02,920 --> 00:15:06,000
Speaker 1: were looking for a house for almost a year. Before that,

291
00:15:06,040 --> 00:15:09,360
Speaker 1: we were trying everything like maybe a multi family regular mortgage.

292
00:15:09,400 --> 00:15:12,280
Speaker 1: Remember we were talking about that then. But you know,

293
00:15:12,440 --> 00:15:12,960
Speaker 1: with do you.

294
00:15:12,920 --> 00:15:15,360
Speaker 2: Think the fact that you paid cash all cash, that

295
00:15:15,360 --> 00:15:17,240
Speaker 2: that helped you as well get a better deal than

296
00:15:17,280 --> 00:15:18,680
Speaker 2: someone who may be with financing.

297
00:15:19,560 --> 00:15:22,760
Speaker 1: Oh yeah, for sure, because the we got this house

298
00:15:22,840 --> 00:15:26,240
Speaker 1: on a it's called like realty bid or something like that.

299
00:15:26,240 --> 00:15:28,600
Speaker 1: That was the website. And so when you go on

300
00:15:28,640 --> 00:15:32,600
Speaker 1: some of these auction websites, sometimes the people selling it

301
00:15:32,640 --> 00:15:35,680
Speaker 1: will stipulate will only sell. Sometimes they'll say, you know,

302
00:15:35,720 --> 00:15:37,840
Speaker 1: we'll take all kinds of financing, and sometimes like if

303
00:15:37,840 --> 00:15:40,560
Speaker 1: it's like lots of times, banks are like, we're selling

304
00:15:40,560 --> 00:15:43,040
Speaker 1: it so cheap, we'll only take cash. So that definitely,

305
00:15:43,920 --> 00:15:47,200
Speaker 1: that definitely helped. But you can find or foreclosure that

306
00:15:47,560 --> 00:15:50,440
Speaker 1: is that you can finance. That's definitely out there. It's

307
00:15:50,520 --> 00:15:53,640
Speaker 1: just about it. With foreclosures, there's so many things that

308
00:15:53,640 --> 00:15:56,040
Speaker 1: can go wrong because there has to be a shift

309
00:15:56,080 --> 00:15:58,640
Speaker 1: in ownership. So if at any time the ball was dropped,

310
00:15:58,640 --> 00:16:00,880
Speaker 1: it's like who actually owns a house And when the

311
00:16:00,920 --> 00:16:03,000
Speaker 1: bank put it on the website, they didn't even own

312
00:16:03,040 --> 00:16:05,200
Speaker 1: the house yet because they didn't have the deed. Yes,

313
00:16:05,240 --> 00:16:07,520
Speaker 1: they might have taken the house back, but if the

314
00:16:07,560 --> 00:16:10,080
Speaker 1: deed is still in the previous owner's name, they still

315
00:16:10,120 --> 00:16:13,000
Speaker 1: had ownership. So that process of switching the deep over

316
00:16:13,520 --> 00:16:15,560
Speaker 1: can take months and then they have to switched the

317
00:16:15,560 --> 00:16:17,600
Speaker 1: deed over now to us, you know. So it was

318
00:16:17,800 --> 00:16:20,400
Speaker 1: for a lot of realtors won't do foreclosures because of

319
00:16:20,400 --> 00:16:24,080
Speaker 1: this this long drawn out pop process. And I have

320
00:16:24,160 --> 00:16:27,480
Speaker 1: to say, like, my for what she's getting paid, you know,

321
00:16:27,560 --> 00:16:30,440
Speaker 1: because she gets her three percent or whatever commission it's

322
00:16:30,800 --> 00:16:32,640
Speaker 1: for and for the work that she did, it's not

323
00:16:32,760 --> 00:16:36,200
Speaker 1: net net even. But my realtor, Ameana, is smart because

324
00:16:36,240 --> 00:16:38,520
Speaker 1: my parents are now selling their house and it's worth

325
00:16:39,240 --> 00:16:41,040
Speaker 1: I don't know, seven hundred eight hundred thousand dollars and

326
00:16:41,080 --> 00:16:44,240
Speaker 1: they want to buy a small like a condo. So

327
00:16:44,440 --> 00:16:46,560
Speaker 1: guess who I said, mommy, daddy, this is who you

328
00:16:46,600 --> 00:16:48,440
Speaker 1: need to use. So she's not making a whole lot

329
00:16:48,440 --> 00:16:50,240
Speaker 1: of commission off of me, but now you have a

330
00:16:50,280 --> 00:16:52,920
Speaker 1: commission off of seven hundred thousand plus whatever three or

331
00:16:52,920 --> 00:16:55,760
Speaker 1: four hundred thousand dollars condo they get in exchange. Plus

332
00:16:55,760 --> 00:16:57,960
Speaker 1: they're you know, their friends who are wanting to down

333
00:16:58,240 --> 00:17:02,080
Speaker 1: that are wanting to downgrade. So you know, she's just

334
00:17:02,160 --> 00:17:05,439
Speaker 1: really smart because it's you learn sometimes in business that

335
00:17:05,440 --> 00:17:07,080
Speaker 1: you don't make your money with the first thing, but

336
00:17:07,119 --> 00:17:08,000
Speaker 1: the second thing you do.

337
00:17:08,119 --> 00:17:11,119
Speaker 2: You know, definitely, I mean That's the biggest lesson I

338
00:17:11,160 --> 00:17:13,440
Speaker 2: think I've learned in my career is I mean, I

339
00:17:13,480 --> 00:17:15,280
Speaker 2: can trace the first two jobs I had back to

340
00:17:15,320 --> 00:17:18,120
Speaker 2: a thank you note. You never know, you never know

341
00:17:18,400 --> 00:17:21,080
Speaker 2: who you're handings are, like, who you're interacting with, now

342
00:17:21,119 --> 00:17:22,800
Speaker 2: what kind of power they'll have in your life later.

343
00:17:23,520 --> 00:17:26,000
Speaker 2: Didn't mean to get deeper on your real estate.

344
00:17:25,800 --> 00:17:27,840
Speaker 1: Story, but no, I think you're right though.

345
00:17:29,480 --> 00:17:33,600
Speaker 2: Yeah, well I had a women I had a girl

346
00:17:33,640 --> 00:17:36,200
Speaker 2: power moment this weekend. I went to the Women's March,

347
00:17:36,320 --> 00:17:38,120
Speaker 2: which I was finally. I wasn't able to go last

348
00:17:38,160 --> 00:17:40,600
Speaker 2: year because I was sick of a dog, but this

349
00:17:40,680 --> 00:17:44,280
Speaker 2: year I went and it was awesome. Really, Yeah, I

350
00:17:44,320 --> 00:17:47,960
Speaker 2: went to the obviously the one in Manhattan. Yeah, it was.

351
00:17:48,080 --> 00:17:50,240
Speaker 2: It was. It took place right outside of Central Park,

352
00:17:50,240 --> 00:17:53,240
Speaker 2: and I went with a couple of girlfriends. I made

353
00:17:53,240 --> 00:17:56,359
Speaker 2: some signs and just kept it really simple. Yeah. It

354
00:17:56,440 --> 00:17:58,080
Speaker 2: was just I don't know, it just it was really

355
00:17:58,119 --> 00:18:01,119
Speaker 2: good vibes, and you know, I was a little bit like,

356
00:18:01,160 --> 00:18:03,000
Speaker 2: I mean, I wanted to go and I wanted to

357
00:18:03,040 --> 00:18:05,720
Speaker 2: feel the crowd and it was whatever. We had to

358
00:18:05,760 --> 00:18:08,480
Speaker 2: wait for about an hour before we could actually march

359
00:18:08,520 --> 00:18:11,200
Speaker 2: because it was that crowded, so and it was actually

360
00:18:11,240 --> 00:18:13,720
Speaker 2: really well organized. They were letting people go in in

361
00:18:13,800 --> 00:18:19,240
Speaker 2: spurts instead of just like you know, mobbing sixth Avenue.

362
00:18:20,200 --> 00:18:22,960
Speaker 2: But aren't when we when we finally, because you know,

363
00:18:23,000 --> 00:18:25,520
Speaker 2: you go, you start at like seventy second in Central Park.

364
00:18:25,560 --> 00:18:27,480
Speaker 2: And for those of you who aren't familiar with New

365
00:18:27,600 --> 00:18:30,760
Speaker 2: York City, once you get to fifty ninth Street and

366
00:18:30,920 --> 00:18:34,159
Speaker 2: Central Park, you're right in front of the Trump International Hotel.

367
00:18:34,640 --> 00:18:37,200
Speaker 2: It's a giant building. It's one of Trump's many sized

368
00:18:37,240 --> 00:18:40,400
Speaker 2: skycraper skyscrapers in the city, but it has his name

369
00:18:40,480 --> 00:18:42,720
Speaker 2: on it. And when you get to when you get

370
00:18:42,720 --> 00:18:45,359
Speaker 2: to that building, people will stop and they had music

371
00:18:45,400 --> 00:18:48,520
Speaker 2: and drums and you know, people would stop there and

372
00:18:48,920 --> 00:18:53,159
Speaker 2: chant and sing, and it really like you felt it.

373
00:18:53,280 --> 00:18:56,679
Speaker 2: You felt people's energy and you felt like, I don't know,

374
00:18:56,800 --> 00:18:58,560
Speaker 2: it was weird. I felt like I was really sending

375
00:18:58,560 --> 00:19:01,800
Speaker 2: the president a message in a weird way. I'm like,

376
00:19:01,840 --> 00:19:04,720
Speaker 2: he's going to hear this, Like I don't know, it

377
00:19:04,760 --> 00:19:07,320
Speaker 2: felt like I was doing something. It felt like so

378
00:19:07,440 --> 00:19:09,800
Speaker 2: much better because you know, I feel like the past year,

379
00:19:09,880 --> 00:19:12,439
Speaker 2: especially you know, I'm a journalist, I don't like to

380
00:19:12,680 --> 00:19:15,600
Speaker 2: air my political beliefs on Twitter. Not that I I mean,

381
00:19:15,800 --> 00:19:18,000
Speaker 2: I'm not a political journalist. It doesn't really matter. You know,

382
00:19:18,040 --> 00:19:21,080
Speaker 2: I don't have the same standards as other political journalists.

383
00:19:21,080 --> 00:19:23,639
Speaker 2: But I really hold back. I mean, I represent a company,

384
00:19:23,640 --> 00:19:26,840
Speaker 2: a YadA YadA, so I don't I'm not so public

385
00:19:26,880 --> 00:19:29,920
Speaker 2: with my feelings about politics on Twitter and other social media.

386
00:19:30,400 --> 00:19:32,600
Speaker 2: So I felt like, I know, I hold it in

387
00:19:33,000 --> 00:19:35,280
Speaker 2: except for in my social circles, hold it in throughout

388
00:19:35,280 --> 00:19:37,240
Speaker 2: the year. I also have a lot of family who

389
00:19:37,240 --> 00:19:40,960
Speaker 2: supports him, so you know, it really felt like for me,

390
00:19:40,960 --> 00:19:42,600
Speaker 2: I've been holding this in for the past year, and

391
00:19:42,640 --> 00:19:45,400
Speaker 2: it felt good to really just be in that moment

392
00:19:45,440 --> 00:19:47,920
Speaker 2: and say no, I don't accept this president and here's why,

393
00:19:48,040 --> 00:19:49,919
Speaker 2: and you know, just to be with a couple of

394
00:19:49,920 --> 00:19:53,120
Speaker 2: my close girlfriends and do that. It was. It felt good,

395
00:19:53,840 --> 00:19:55,560
Speaker 2: not a bad way to spend a couple hours on

396
00:19:55,600 --> 00:19:56,120
Speaker 2: a Saturday.

397
00:19:56,560 --> 00:19:58,280
Speaker 1: And the weather was great, wasn't it.

398
00:19:58,480 --> 00:20:00,720
Speaker 2: Weather was perfect. Yeah, I was like it was in

399
00:20:00,760 --> 00:20:03,359
Speaker 2: the fifties, I want to say, in the sun. And

400
00:20:03,960 --> 00:20:05,600
Speaker 2: I made I made a few signs. One of my

401
00:20:05,680 --> 00:20:09,480
Speaker 2: signs was the Solange. I had lyrics from the Solange song.

402
00:20:10,560 --> 00:20:12,600
Speaker 2: We got a lot to be Mad About, which is

403
00:20:12,600 --> 00:20:14,880
Speaker 2: one of my favorite songs from her record, A seat

404
00:20:14,880 --> 00:20:19,000
Speaker 2: at the Table, I would have. Yeah, I had a

405
00:20:19,040 --> 00:20:19,440
Speaker 2: good time.

406
00:20:20,240 --> 00:20:23,159
Speaker 1: Oh that sounds honestly that it looked. I saw the pictures.

407
00:20:23,160 --> 00:20:25,320
Speaker 1: I was said, look at Mandy, curls are flowing.

408
00:20:25,600 --> 00:20:28,879
Speaker 2: Yes, well, there's a lot of natural hair out there.

409
00:20:29,119 --> 00:20:32,560
Speaker 2: That wasn't the only one in my little pocket. It

410
00:20:32,960 --> 00:20:35,280
Speaker 2: definitely felt because you know, people talk about that diversity

411
00:20:35,280 --> 00:20:38,680
Speaker 2: of these movements, and there's controversy over whether, you know,

412
00:20:38,840 --> 00:20:42,040
Speaker 2: the Women's movement, the Women's March anyway has been welcoming

413
00:20:42,080 --> 00:20:44,880
Speaker 2: to different to women of color and sexualities and stuff.

414
00:20:46,080 --> 00:20:48,960
Speaker 2: You know, it did feel like I mean I didn't

415
00:20:49,040 --> 00:20:52,000
Speaker 2: take a poll or survey the entire crowd. I was

416
00:20:52,040 --> 00:20:55,639
Speaker 2: in a very tight little group. I saw some. I

417
00:20:55,680 --> 00:20:58,040
Speaker 2: definitely saw women of color, but there it definitely felt

418
00:20:58,080 --> 00:21:00,919
Speaker 2: like it was more white women than anything who were

419
00:21:00,960 --> 00:21:04,040
Speaker 2: out there. I couldn't help but notice that. But I

420
00:21:04,080 --> 00:21:06,879
Speaker 2: did see a lot of I did see definitely, I

421
00:21:06,920 --> 00:21:08,640
Speaker 2: mean every time I looked at the crowd, I could

422
00:21:08,640 --> 00:21:11,359
Speaker 2: point out people of color, but it certainly wasn't you know,

423
00:21:11,480 --> 00:21:14,800
Speaker 2: split down the middle, but people different ages. I saw

424
00:21:14,880 --> 00:21:19,640
Speaker 2: kids and grandmas and you know, young old. I think

425
00:21:19,680 --> 00:21:21,840
Speaker 2: it's it's sad that it has to happen. But at

426
00:21:21,840 --> 00:21:24,480
Speaker 2: the same time, you know, I think it's great to

427
00:21:24,480 --> 00:21:27,480
Speaker 2: see parents like taking their kids out and showing them

428
00:21:27,480 --> 00:21:31,679
Speaker 2: how to be involved and just that you can come

429
00:21:31,720 --> 00:21:34,119
Speaker 2: together as a group, you know, and it's beautiful that

430
00:21:34,160 --> 00:21:35,760
Speaker 2: we can even do this in our country at all.

431
00:21:36,560 --> 00:21:38,240
Speaker 2: So I sort of I just felt grateful for that.

432
00:21:39,040 --> 00:21:41,920
Speaker 1: Yeah, now, honestly I love that. I mean, as much

433
00:21:41,960 --> 00:21:44,679
Speaker 1: as you know, this current administration has been, like you

434
00:21:44,720 --> 00:21:47,240
Speaker 1: guys are like the worst. What it has brought out

435
00:21:47,400 --> 00:21:51,320
Speaker 1: is like I was talking to my accountant today and

436
00:21:51,440 --> 00:21:53,439
Speaker 1: he was like, you know, it's so crazy. He was like,

437
00:21:53,600 --> 00:21:56,840
Speaker 1: I mean, he's like, I'm like a Civics lesson. He's like,

438
00:21:56,880 --> 00:21:59,320
Speaker 1: I'm more woke. I'm like, wait, whoa, whoa. He's like

439
00:21:59,320 --> 00:22:02,560
Speaker 1: my six year old like, so, Dad, how did he

440
00:22:02,680 --> 00:22:05,800
Speaker 1: win when when Hillary Clinton had more of the votes?

441
00:22:05,840 --> 00:22:08,520
Speaker 1: Why is this electoral college stick at six? And he

442
00:22:08,560 --> 00:22:10,280
Speaker 1: was I went with you to the voting booths and

443
00:22:10,280 --> 00:22:13,359
Speaker 1: we voted in school, and the most votes one And

444
00:22:13,400 --> 00:22:16,639
Speaker 1: he was just saying how this has really forced him

445
00:22:16,720 --> 00:22:19,679
Speaker 1: and people around him to really pay more attention to

446
00:22:19,720 --> 00:22:20,960
Speaker 1: what's happening politically.

447
00:22:21,320 --> 00:22:25,000
Speaker 2: Yeah, we can't. We can't unsee this, like we can't

448
00:22:25,119 --> 00:22:28,000
Speaker 2: unlive it.

449
00:22:30,600 --> 00:22:34,960
Speaker 1: Yeah. So speaking of this dang administration, So I remember

450
00:22:35,000 --> 00:22:36,920
Speaker 1: I said before I had a budget aist the bills

451
00:22:36,920 --> 00:22:39,440
Speaker 1: that I helped my friend, right, Yeah, And they passed

452
00:22:39,440 --> 00:22:40,960
Speaker 1: the House to House the Senate and it's sitting on

453
00:22:41,000 --> 00:22:43,679
Speaker 1: Governor Christie's desk and all he has to do is

454
00:22:43,720 --> 00:22:48,359
Speaker 1: sign it, and all literally every single uh political Republican

455
00:22:48,400 --> 00:22:51,959
Speaker 1: and Democratic senator said yes, and he didn't sign it.

456
00:22:52,400 --> 00:22:55,280
Speaker 1: Oh no, we have a new governor, Film Murphy.

457
00:22:55,400 --> 00:22:58,080
Speaker 2: And so right now he starts, like when does he start?

458
00:22:58,640 --> 00:23:01,160
Speaker 1: I don't know now basically, And so when the governor's

459
00:23:01,160 --> 00:23:02,639
Speaker 1: on his way out, he had about one hundred and

460
00:23:02,640 --> 00:23:05,800
Speaker 1: sixty bills on his desk, and out of one hundred

461
00:23:05,840 --> 00:23:09,240
Speaker 1: and sixty he either signed or actively veatoled one hundred

462
00:23:09,280 --> 00:23:10,120
Speaker 1: and fifty.

463
00:23:11,280 --> 00:23:13,200
Speaker 2: And the other ten he just didn't look.

464
00:23:13,280 --> 00:23:16,680
Speaker 1: He just he beatoed by. They call it beatle. It's

465
00:23:16,720 --> 00:23:18,680
Speaker 1: like saying no by not saying no, you know what

466
00:23:18,720 --> 00:23:21,159
Speaker 1: I mean, but not saying anything. It's like it's a

467
00:23:21,200 --> 00:23:22,600
Speaker 1: weak way because it's like I don't want to be

468
00:23:22,640 --> 00:23:24,800
Speaker 1: the one to veto to say no, no financial literacy

469
00:23:24,840 --> 00:23:28,959
Speaker 1: for kids, but for whatever reason, he didn't sign. So

470
00:23:29,119 --> 00:23:32,120
Speaker 1: it's a no just because by default, because you didn't

471
00:23:32,160 --> 00:23:35,359
Speaker 1: say yes. Oh a real punk move. But you know what,

472
00:23:35,400 --> 00:23:37,800
Speaker 1: that's exactly what he is. So we have to start

473
00:23:37,840 --> 00:23:41,119
Speaker 1: all over literally from committee to House to House, Senate

474
00:23:41,160 --> 00:23:42,840
Speaker 1: to Senate and back up to the governor.

475
00:23:43,400 --> 00:23:46,800
Speaker 2: Oh, I'm so sorry. You were so excited the last time,

476
00:23:47,080 --> 00:23:47,639
Speaker 2: I know.

477
00:23:47,640 --> 00:23:50,000
Speaker 1: And cause I was like, who's gonna say no financial

478
00:23:50,080 --> 00:23:52,960
Speaker 1: education for kids? I mean, how is this a bad thing? So,

479
00:23:53,119 --> 00:23:56,119
Speaker 1: but you know what, it won't be part of his legacy.

480
00:23:56,119 --> 00:23:59,000
Speaker 1: It'll be part of hopefully governor film work He's legacy,

481
00:23:59,080 --> 00:24:03,320
Speaker 1: and it'll will go hopefully faster because we've already have

482
00:24:03,480 --> 00:24:05,000
Speaker 1: like all these people who are kind of on board,

483
00:24:05,080 --> 00:24:08,000
Speaker 1: and so it is what it is.

484
00:24:09,080 --> 00:24:12,719
Speaker 2: Well, fight the good fight. Yeah, so you're gonna try

485
00:24:12,720 --> 00:24:14,560
Speaker 2: to get next season or next.

486
00:24:14,600 --> 00:24:16,680
Speaker 1: No, she said, honestly, she's like, let's see what she's like.

487
00:24:16,720 --> 00:24:18,199
Speaker 1: I want to see we could push this through in

488
00:24:18,240 --> 00:24:22,119
Speaker 1: like six months. This is Assembly Women. Angela Vie McKnight,

489
00:24:22,200 --> 00:24:24,600
Speaker 1: she said, because now that we have everyone on board,

490
00:24:24,640 --> 00:24:27,440
Speaker 1: it shouldn't it shouldn't be hard to because it was

491
00:24:27,480 --> 00:24:30,239
Speaker 1: like explaining to people what it meant and tweaking it

492
00:24:30,280 --> 00:24:33,320
Speaker 1: to make sure both sides felt comfortable. But now it's like, hey, guys,

493
00:24:33,320 --> 00:24:35,680
Speaker 1: he didn't sign it. We're just let's just everybody vote

494
00:24:35,720 --> 00:24:37,320
Speaker 1: just like I did last time. Yes, yes, yes, yes.

495
00:24:37,600 --> 00:24:39,800
Speaker 1: So I'm hoping that so she doesn't have to do

496
00:24:39,960 --> 00:24:42,800
Speaker 1: quite as much politicking in between each vote. So I'm

497
00:24:42,840 --> 00:24:45,560
Speaker 1: hoping that it'll go much faster because this last round

498
00:24:45,600 --> 00:24:46,760
Speaker 1: took two years to get here.

499
00:24:47,160 --> 00:24:47,760
Speaker 2: Yeah.

500
00:24:48,000 --> 00:24:49,960
Speaker 1: Yeah, So, I mean, but I feel confident in it

501
00:24:50,000 --> 00:24:51,920
Speaker 1: because it's a it's a good bill. Like it's not

502
00:24:51,960 --> 00:24:55,000
Speaker 1: like we're saying, hey, should we give riddling to kids?

503
00:24:55,040 --> 00:24:57,920
Speaker 1: Should we teach them financial education? I mean, like, why

504
00:24:57,960 --> 00:24:58,400
Speaker 1: is that bad?

505
00:24:59,640 --> 00:25:03,399
Speaker 2: People? Well, you know, people will find a way, you know,

506
00:25:03,960 --> 00:25:07,680
Speaker 2: especially in schools. It's so touchy. There's so much there's

507
00:25:07,680 --> 00:25:09,960
Speaker 2: so much controversy in schools right now. And I feel like,

508
00:25:10,119 --> 00:25:13,000
Speaker 2: and I've written about financial literacy in schools, and I

509
00:25:13,040 --> 00:25:16,119
Speaker 2: know that the standard conservative response to these types of

510
00:25:16,160 --> 00:25:19,720
Speaker 2: programs it's just giving more. It's giving teachers in schools

511
00:25:19,720 --> 00:25:24,320
Speaker 2: more stuff to do. Government, it's government influencing schools and education.

512
00:25:24,480 --> 00:25:26,920
Speaker 2: And you know that Conservatives are all against that, and

513
00:25:27,000 --> 00:25:30,000
Speaker 2: Chris Christy being a conservative, it seemed in line with

514
00:25:30,080 --> 00:25:32,960
Speaker 2: his party stance. I wonder if the next governor since

515
00:25:32,960 --> 00:25:33,960
Speaker 2: he's Democrat, right.

516
00:25:34,160 --> 00:25:37,400
Speaker 1: Yeah, he's Democrat. And honestly, that was when we first met.

517
00:25:37,400 --> 00:25:39,879
Speaker 1: We met with some sort of education committee and it

518
00:25:40,040 --> 00:25:43,160
Speaker 1: was full of teachers and educators and women who Angela

519
00:25:43,200 --> 00:25:45,600
Speaker 1: asked me to come to her office to speak with them,

520
00:25:45,760 --> 00:25:47,640
Speaker 1: and they said the same thing. And I can honestly

521
00:25:47,680 --> 00:25:49,920
Speaker 1: say I sat with them and I said, I agree

522
00:25:50,320 --> 00:25:53,160
Speaker 1: that there shouldn't be a large place that makes teachers

523
00:25:53,200 --> 00:25:55,280
Speaker 1: have more grounds. Like I was a teacher for ten years,

524
00:25:55,400 --> 00:25:57,840
Speaker 1: so I know what those changes feel like in the

525
00:25:57,840 --> 00:26:00,840
Speaker 1: classroom where you're like really another thing. And so when

526
00:26:00,880 --> 00:26:03,600
Speaker 1: we really worked out the bill, it was so that

527
00:26:04,160 --> 00:26:07,520
Speaker 1: it wouldn't add additional work. It wasn't like stop its

528
00:26:07,560 --> 00:26:11,120
Speaker 1: financial literacy time. That instead it would be infused into

529
00:26:11,160 --> 00:26:14,680
Speaker 1: what you're already doing. So if today is counting day,

530
00:26:14,920 --> 00:26:17,600
Speaker 1: then we might say, hey, here's some ways to infuse

531
00:26:17,640 --> 00:26:20,000
Speaker 1: counting money into today's lesson. You see what I mean.

532
00:26:20,040 --> 00:26:22,800
Speaker 1: So I really worked hard to make sure because I

533
00:26:22,880 --> 00:26:25,320
Speaker 1: totally get it, because that's true, it's too much to

534
00:26:25,359 --> 00:26:27,560
Speaker 1: ask a teacher to put aside another two or three

535
00:26:27,640 --> 00:26:30,120
Speaker 1: or five minutes for something else, because I've been there.

536
00:26:30,320 --> 00:26:32,960
Speaker 1: And so that's why I honestly the bill started to

537
00:26:33,000 --> 00:26:36,720
Speaker 1: really pick up traction because people were like, okay, good

538
00:26:37,440 --> 00:26:39,159
Speaker 1: because you're right at the conservative side. That was a

539
00:26:39,200 --> 00:26:41,960
Speaker 1: little bit of the pushback. But once we tweaked it

540
00:26:42,000 --> 00:26:44,399
Speaker 1: and edited it, everybody was like, love it. I love it,

541
00:26:44,480 --> 00:26:47,160
Speaker 1: you know, And so that's why I'm just like this guy.

542
00:26:47,280 --> 00:26:59,320
Speaker 1: But whatever. On that note, are you ready to break

543
00:26:59,400 --> 00:27:01,480
Speaker 1: or boothe I'm ready.

544
00:27:01,560 --> 00:27:05,880
Speaker 2: I'm gonna break. Are you ready for I haven't break

545
00:27:06,000 --> 00:27:07,120
Speaker 2: break broken in a while.

546
00:27:07,359 --> 00:27:09,080
Speaker 1: I'm gonna I'm gonna booth. I'm gonna booth.

547
00:27:09,560 --> 00:27:12,040
Speaker 2: Okay, let me go first and we can end on

548
00:27:12,040 --> 00:27:12,679
Speaker 2: a high note.

549
00:27:12,760 --> 00:27:13,640
Speaker 1: Okay.

550
00:27:13,800 --> 00:27:15,840
Speaker 2: So I want to take a break from if I

551
00:27:15,840 --> 00:27:17,840
Speaker 2: if I could take any more, if I had any

552
00:27:17,920 --> 00:27:19,960
Speaker 2: more breaks to give, I would give my last break

553
00:27:20,000 --> 00:27:24,800
Speaker 2: to Bank of America, Everyone's least favorite bank, my least

554
00:27:24,800 --> 00:27:27,080
Speaker 2: favorite bank, I'll just put it that way. I broke

555
00:27:27,160 --> 00:27:30,560
Speaker 2: up with them like five six years ago, finally, and

556
00:27:30,680 --> 00:27:32,760
Speaker 2: they just announced today that they are getting rid of

557
00:27:34,000 --> 00:27:37,840
Speaker 2: low fee checking accounts for oh sorry, low balance free

558
00:27:37,920 --> 00:27:40,920
Speaker 2: checking accounts. So if you're the kind of person who

559
00:27:41,240 --> 00:27:43,480
Speaker 2: carries a low balance, you live paycheck to paycheck, which

560
00:27:43,520 --> 00:27:45,560
Speaker 2: is a lot of people in the US. There just

561
00:27:45,600 --> 00:27:48,119
Speaker 2: aren't that many great There aren't a lot of great,

562
00:27:48,160 --> 00:27:52,119
Speaker 2: big bank checking accounts that actually don't charge fees. And

563
00:27:52,160 --> 00:27:55,480
Speaker 2: Bank of America was like sticking its tongue out to

564
00:27:55,520 --> 00:27:58,440
Speaker 2: those people and just took away. It's a low feed

565
00:27:58,520 --> 00:28:01,040
Speaker 2: checking account if you have a low balance. So if

566
00:28:01,040 --> 00:28:02,959
Speaker 2: you have a Bank of America account and you're like

567
00:28:03,000 --> 00:28:06,840
Speaker 2: what I described, you your balance as close to zero.

568
00:28:06,920 --> 00:28:09,960
Speaker 2: Sometimes maybe have had a few overdraft charges the last year,

569
00:28:10,000 --> 00:28:11,800
Speaker 2: it is time to get out.

570
00:28:12,119 --> 00:28:13,560
Speaker 1: Get out out of that.

571
00:28:15,040 --> 00:28:17,240
Speaker 2: They don't have free checking anymore, if you could even

572
00:28:17,240 --> 00:28:19,720
Speaker 2: call it that, because they still charge things like overdraft

573
00:28:19,760 --> 00:28:23,880
Speaker 2: fees and whatnot. There's just so many better options out there.

574
00:28:23,920 --> 00:28:26,600
Speaker 2: So if you have Bank of America or any other

575
00:28:26,640 --> 00:28:29,760
Speaker 2: sort of big, big brand bank, I guarantee you can

576
00:28:29,800 --> 00:28:35,320
Speaker 2: find better services for better rates, better fees at other banks.

577
00:28:35,800 --> 00:28:37,720
Speaker 2: In fact, I can. I'm going to put in the

578
00:28:37,760 --> 00:28:39,720
Speaker 2: show notes because I want you guys to just see

579
00:28:39,720 --> 00:28:43,200
Speaker 2: what's out there. Magnify Money has a great page where

580
00:28:43,240 --> 00:28:45,640
Speaker 2: you can review checking accounts and you put your zip

581
00:28:45,640 --> 00:28:49,120
Speaker 2: code in and then you put in how often you

582
00:28:49,160 --> 00:28:51,880
Speaker 2: make overdraft during the year, so that you can get

583
00:28:52,160 --> 00:28:54,479
Speaker 2: a list of banks that are probably best for you

584
00:28:54,520 --> 00:28:57,000
Speaker 2: in the way you use your checking account.

585
00:28:57,960 --> 00:29:00,320
Speaker 1: No, that's awesome, but yeah they can remember. Because so

586
00:29:00,320 --> 00:29:02,440
Speaker 1: I saw a lot of dreamcatchers posting about it. I'm like,

587
00:29:02,440 --> 00:29:04,080
Speaker 1: they've been trash.

588
00:29:04,040 --> 00:29:07,120
Speaker 2: Right, it's just one, it's just one other reminder. Why.

589
00:29:07,240 --> 00:29:11,000
Speaker 1: Yes, it's like she and boyfriend. Who oh, so you

590
00:29:11,040 --> 00:29:13,320
Speaker 1: got her pregnant? Okay, so you know what. I can't

591
00:29:13,320 --> 00:29:18,040
Speaker 1: do this. I can't do this, Okay, So mine is

592
00:29:18,040 --> 00:29:21,360
Speaker 1: a boost super simple light. So I was at the

593
00:29:21,400 --> 00:29:25,440
Speaker 1: mall with with Superman and I was like, our comforter

594
00:29:25,600 --> 00:29:29,880
Speaker 1: is shameful. I mean, honestly, we discomforter like a dog

595
00:29:29,960 --> 00:29:32,000
Speaker 1: wouldn't sleep on this comforter. It's just raggedy. You know,

596
00:29:32,000 --> 00:29:33,600
Speaker 1: you watched it too many times and the comforter is

597
00:29:33,600 --> 00:29:36,840
Speaker 1: just looking sad and raggedy. So he was like, I'm

598
00:29:36,880 --> 00:29:39,440
Speaker 1: gonna go. We were eating at Johnny Rockets. I got

599
00:29:39,440 --> 00:29:41,760
Speaker 1: a veggie burger for those of you who care, and

600
00:29:43,800 --> 00:29:47,200
Speaker 1: they do. I could have done without it, but either way,

601
00:29:47,240 --> 00:29:49,280
Speaker 1: we were at the mall at eating at Johnny Rockets,

602
00:29:49,280 --> 00:29:51,400
Speaker 1: and he was like, you know what, there's Marshalls. I'll

603
00:29:51,400 --> 00:29:53,600
Speaker 1: go buy a comfort while we wait for our food. So,

604
00:29:53,880 --> 00:29:56,719
Speaker 1: you know, I was nervous because I said, oh boy,

605
00:29:55,760 --> 00:30:00,680
Speaker 1: I know Superman is not known for his style. I

606
00:30:00,720 --> 00:30:04,880
Speaker 1: love him dearly. I was like yes, I was like.

607
00:30:05,120 --> 00:30:08,360
Speaker 2: Okay, it took us months to pick a comforter, like

608
00:30:08,400 --> 00:30:11,520
Speaker 2: I'm not kidding, And I was no nervous arms.

609
00:30:11,960 --> 00:30:14,480
Speaker 1: I didn't want to leave the table like with the food,

610
00:30:14,520 --> 00:30:15,560
Speaker 1: because I was like, I don't want them to think,

611
00:30:15,560 --> 00:30:17,800
Speaker 1: oh they ordered and they ran, you know, and so

612
00:30:18,440 --> 00:30:20,760
Speaker 1: I said, okay. He came back first of all with

613
00:30:20,760 --> 00:30:24,120
Speaker 1: a super cute comforter. It's like a gray and navy

614
00:30:24,200 --> 00:30:26,880
Speaker 1: stripe and actually I love it. And on the other side,

615
00:30:27,120 --> 00:30:32,200
Speaker 1: it's like shirling material, like like sheep swoop. When I

616
00:30:32,240 --> 00:30:34,240
Speaker 1: say this thing, I can't even get out of bad Mandy,

617
00:30:34,360 --> 00:30:37,520
Speaker 1: I cannot get out of bed. It is the best comforter.

618
00:30:37,680 --> 00:30:41,000
Speaker 1: I honestly, I'm rubbing it right now and I'm like, hey,

619
00:30:41,200 --> 00:30:43,120
Speaker 1: how you doing. I'm gonna see you in a minute.

620
00:30:43,160 --> 00:30:47,000
Speaker 1: Like it is. So it's transformed how we sleep because

621
00:30:47,000 --> 00:30:49,320
Speaker 1: we're always like, oh we get up. We're like no,

622
00:30:49,560 --> 00:30:51,440
Speaker 1: this thing, I'm gonna see if I can fride who

623
00:30:51,520 --> 00:30:56,280
Speaker 1: makes it? Who makes his dag on comforter eyezid hoo child,

624
00:30:56,880 --> 00:31:00,560
Speaker 1: this thing is zid you nd I will dedicate my

625
00:31:00,600 --> 00:31:04,479
Speaker 1: first I'm gonna call my first born eyesid. Okay, but

626
00:31:04,520 --> 00:31:07,520
Speaker 1: it's honestly, it's just an amazing conforter. It is so

627
00:31:07,760 --> 00:31:10,760
Speaker 1: comfortable and because it's it's winter, well you know, it's

628
00:31:10,800 --> 00:31:13,680
Speaker 1: weird winter, but it's weird winter in Jersey where it

629
00:31:13,720 --> 00:31:15,720
Speaker 1: gets you really cold at night sometimes, and this thing

630
00:31:15,840 --> 00:31:18,760
Speaker 1: is like sleeping literally in a cloud. And so that's

631
00:31:18,760 --> 00:31:22,600
Speaker 1: my boos. These izod shirling half shirling half whatever's on

632
00:31:22,600 --> 00:31:24,120
Speaker 1: the other the other side is actually really cute. But

633
00:31:24,760 --> 00:31:26,480
Speaker 1: the other side, the side that you put on your

634
00:31:26,480 --> 00:31:31,840
Speaker 1: body shut, oh, hal side. You want a sponsor?

635
00:31:42,160 --> 00:31:45,719
Speaker 2: It is time for questions, yes again. You guys can

636
00:31:45,760 --> 00:31:47,960
Speaker 2: go to Brannanbission podcast dot com.

637
00:31:48,840 --> 00:31:53,160
Speaker 1: Nope, okay, oh dot com, Sorry I'm late.

638
00:31:53,280 --> 00:31:56,320
Speaker 2: It's okay, and send us a question. Just click to

639
00:31:56,320 --> 00:31:59,000
Speaker 2: ask us anything tub or you can email us directly.

640
00:31:59,080 --> 00:32:02,720
Speaker 2: Brand Ambision podcas asked at gmail dot com to be

641
00:32:02,800 --> 00:32:05,440
Speaker 2: featured on the show. We got a lot of good

642
00:32:05,480 --> 00:32:07,560
Speaker 2: questions after last week, so I'm going to try to

643
00:32:07,600 --> 00:32:10,880
Speaker 2: get to a couple today. The first one is a

644
00:32:10,960 --> 00:32:13,719
Speaker 2: question about home ownership and a down payment on your

645
00:32:13,720 --> 00:32:18,720
Speaker 2: mortgage from listener named Kim. Kim says, Hi, guys, I

646
00:32:18,760 --> 00:32:21,440
Speaker 2: love you guys. Here's a home ownership question for you.

647
00:32:21,880 --> 00:32:24,720
Speaker 2: What is the benefit to putting twenty percent down on

648
00:32:24,760 --> 00:32:27,640
Speaker 2: a mortgage? Do you really save on your mortgage payments?

649
00:32:28,000 --> 00:32:30,320
Speaker 2: Can you put down less and not have to enroll

650
00:32:30,440 --> 00:32:33,160
Speaker 2: in a private mortgage insurance not to enroll in private

651
00:32:33,200 --> 00:32:36,360
Speaker 2: mortgage insurance for a new home? That is her question.

652
00:32:36,720 --> 00:32:37,560
Speaker 2: Excellent question.

653
00:32:38,040 --> 00:32:40,520
Speaker 1: It is an excellent question, and the benefit is just

654
00:32:40,560 --> 00:32:43,440
Speaker 1: as you said, the benefit is, well, there's a couple

655
00:32:43,440 --> 00:32:47,840
Speaker 1: of benefits. One, you can not pay PMI private mortgage insurance,

656
00:32:47,880 --> 00:32:50,800
Speaker 1: which is that insurance that you pay when you don't

657
00:32:50,840 --> 00:32:53,280
Speaker 1: have enough equity in the home when you first buy it.

658
00:32:53,320 --> 00:32:55,480
Speaker 1: So that makes you a risk. So basically what the

659
00:32:55,520 --> 00:32:57,920
Speaker 1: bank is doing is they're hedging against you. They're like, eh,

660
00:32:58,640 --> 00:33:01,000
Speaker 1: she don't have that much skin in the game. So

661
00:33:01,880 --> 00:33:04,800
Speaker 1: because you put down three percent or whatever, So I'm

662
00:33:04,800 --> 00:33:07,640
Speaker 1: going to charge you an extra fee every month just

663
00:33:07,680 --> 00:33:10,560
Speaker 1: in case you default on this loan. At least I

664
00:33:10,600 --> 00:33:14,280
Speaker 1: got a little extra money upfront from you. But also

665
00:33:14,320 --> 00:33:15,880
Speaker 1: to what I found though, like I mean, there are

666
00:33:15,920 --> 00:33:17,920
Speaker 1: ways to get around PMI and not put down the

667
00:33:17,960 --> 00:33:21,560
Speaker 1: full twenty percent. But what I found too is putting

668
00:33:21,600 --> 00:33:24,440
Speaker 1: down twenty percent also makes you a stronger buyer. So

669
00:33:24,680 --> 00:33:28,480
Speaker 1: take yourself out of the buyer's position, put yourself in

670
00:33:28,520 --> 00:33:32,080
Speaker 1: the sellers position. And two people want my house. One

671
00:33:32,120 --> 00:33:35,440
Speaker 1: person says I've got three percent to put down and

672
00:33:35,480 --> 00:33:38,840
Speaker 1: all this financing, and one person says I've got twenty

673
00:33:38,880 --> 00:33:41,320
Speaker 1: percent to put down in their financing. Which one are

674
00:33:41,320 --> 00:33:43,040
Speaker 1: you gonna go with? Even though it's the same amount

675
00:33:43,040 --> 00:33:45,160
Speaker 1: of money that they're both gonna give you. I'm going

676
00:33:45,200 --> 00:33:47,200
Speaker 1: with a stronger buyer because what it tells me is

677
00:33:47,240 --> 00:33:49,960
Speaker 1: that if you've got twenty percent to put down, you're

678
00:33:49,960 --> 00:33:52,800
Speaker 1: probably gonna have an easier time getting financing. And I'm

679
00:33:52,800 --> 00:33:54,240
Speaker 1: not gonna you know, it's going to be easier to

680
00:33:54,240 --> 00:33:57,280
Speaker 1: get to closing with you versus someone who can't put

681
00:33:57,320 --> 00:33:59,640
Speaker 1: down as much, because that maybe singles to me, signals

682
00:33:59,680 --> 00:34:01,720
Speaker 1: to me that maybe this is not as strong a

683
00:34:01,800 --> 00:34:05,960
Speaker 1: buyer as I would like. And so that's another reason

684
00:34:05,960 --> 00:34:08,120
Speaker 1: why you know, you don't have to put twenty percent down,

685
00:34:08,120 --> 00:34:10,200
Speaker 1: but it's another benefit to putting twenty percent down.

686
00:34:10,640 --> 00:34:13,040
Speaker 2: Absolutely. In fact, we just did a study on this.

687
00:34:13,120 --> 00:34:15,920
Speaker 2: We looked at we decided so right now it's competitive,

688
00:34:15,960 --> 00:34:18,160
Speaker 2: as if you're looking for a home, it's competitive out

689
00:34:18,160 --> 00:34:21,200
Speaker 2: there depending on where you're looking. Inventory is low, meaning

690
00:34:21,200 --> 00:34:23,600
Speaker 2: there's not a lot of new houses being built, and

691
00:34:23,640 --> 00:34:26,520
Speaker 2: there's more people who want houses, so supply and demand,

692
00:34:26,760 --> 00:34:28,680
Speaker 2: so the prices at home are going up. So it's

693
00:34:28,719 --> 00:34:31,000
Speaker 2: just it's really expensive to buy homes right now. But

694
00:34:31,080 --> 00:34:34,359
Speaker 2: also the buyers are what make it competitive. Like if

695
00:34:34,400 --> 00:34:36,640
Speaker 2: you're up against someone who not only comes with a

696
00:34:36,680 --> 00:34:39,600
Speaker 2: twenty percent down payment, but has a higher credit score

697
00:34:39,920 --> 00:34:42,520
Speaker 2: and comes pre approved for a mortgage, they're going to

698
00:34:42,640 --> 00:34:44,399
Speaker 2: knock you out of the race if you haven't come

699
00:34:44,440 --> 00:34:47,839
Speaker 2: with those similar characteristics. So we actually analyze like over

700
00:34:47,920 --> 00:34:52,000
Speaker 2: a million home purchase a mortgage loan requests through lending

701
00:34:52,040 --> 00:34:55,879
Speaker 2: tree dot Com recently and looks at one hundred different

702
00:34:55,920 --> 00:34:58,920
Speaker 2: cities and found the most competitive market. So if you're

703
00:34:59,000 --> 00:35:02,359
Speaker 2: shopping in a place like Denver, Colorado, the third most

704
00:35:02,360 --> 00:35:06,080
Speaker 2: competitive market. On average, people are putting down sixteen percent

705
00:35:06,560 --> 00:35:09,920
Speaker 2: over like nearly two thirds have been pre approved for

706
00:35:09,960 --> 00:35:14,160
Speaker 2: a mortgage San Francisco number one. The average there is

707
00:35:14,320 --> 00:35:17,600
Speaker 2: eighteen and nineteen percent for a down payment. I think

708
00:35:17,600 --> 00:35:19,719
Speaker 2: it's this is really help well. I'll post a link

709
00:35:19,760 --> 00:35:21,080
Speaker 2: to this in the show. So if you want to

710
00:35:21,080 --> 00:35:24,239
Speaker 2: look and see where your city falls, like, maybe you

711
00:35:24,280 --> 00:35:26,279
Speaker 2: can get a sense of who you're up against when

712
00:35:26,320 --> 00:35:29,600
Speaker 2: you're out there shopping for a home. Not only will

713
00:35:29,600 --> 00:35:31,960
Speaker 2: it make you more competitive, but like Kim you mentioned,

714
00:35:31,960 --> 00:35:34,759
Speaker 2: and like Tiffany said, you're going to avoid playing for

715
00:35:35,280 --> 00:35:40,000
Speaker 2: mortgage insurance. That being said, some people may choose to

716
00:35:41,440 --> 00:35:44,280
Speaker 2: maybe put down a lower down payment. There are loan

717
00:35:44,320 --> 00:35:47,239
Speaker 2: options if you have a low down payment, and even

718
00:35:47,280 --> 00:35:50,520
Speaker 2: some loan options that require no down payment. We did

719
00:35:50,520 --> 00:35:52,200
Speaker 2: a guide on this recently, so I just pulled it

720
00:35:52,280 --> 00:35:57,080
Speaker 2: up so Sofi. Sofi offers a mortgage, has no mortgage

721
00:35:57,080 --> 00:36:01,480
Speaker 2: insurance requirement and you only have to put down ten percent, okay,

722
00:36:01,719 --> 00:36:04,200
Speaker 2: and that Sofi is a new a new player in

723
00:36:04,239 --> 00:36:06,520
Speaker 2: the lender space. I like Sofi a lot. I think

724
00:36:06,520 --> 00:36:09,000
Speaker 2: they're a great lender. So write that down if you're

725
00:36:09,000 --> 00:36:11,319
Speaker 2: looking for a low down payment mortgage and you don't

726
00:36:11,320 --> 00:36:13,399
Speaker 2: want to have to deal with mortgage insurance. The thing

727
00:36:13,440 --> 00:36:15,759
Speaker 2: with Sofi is the reason they're able to do that

728
00:36:15,840 --> 00:36:19,560
Speaker 2: is because they have higher credit requirements, So you will

729
00:36:19,560 --> 00:36:22,560
Speaker 2: need a credit score of about seven hundred or higher

730
00:36:23,160 --> 00:36:26,719
Speaker 2: likely to qualify for SOFI. Then there's now there's like

731
00:36:26,760 --> 00:36:31,560
Speaker 2: federal programs. There's an FH loan if you put down

732
00:36:32,000 --> 00:36:34,360
Speaker 2: you can put down as little as three point five percent,

733
00:36:34,880 --> 00:36:38,720
Speaker 2: but you will have to pay mortgage and mortgage insurance premium.

734
00:36:38,719 --> 00:36:41,120
Speaker 2: I think it's called same thing as private mortgage insurance.

735
00:36:42,280 --> 00:36:44,680
Speaker 2: You can put down three and a half percent to

736
00:36:44,760 --> 00:36:50,319
Speaker 2: ten percent, depending on your FICO score. Then there's us

737
00:36:50,440 --> 00:36:53,520
Speaker 2: AD a us D A loan. So this is for

738
00:36:53,680 --> 00:36:56,439
Speaker 2: people who are buying homes in rural areas. And you'd

739
00:36:56,480 --> 00:37:00,160
Speaker 2: be surprised what the Department of Agriculture considers rule It

740
00:37:00,200 --> 00:37:03,279
Speaker 2: doesn't it doesn't mean out in the boonies necessarily. So

741
00:37:03,320 --> 00:37:06,120
Speaker 2: you can go to USDA dot gov and put in

742
00:37:06,160 --> 00:37:08,279
Speaker 2: your zip code for where you're thinking about buying and

743
00:37:08,320 --> 00:37:12,040
Speaker 2: they'll tell you if that's considered a rule environment and

744
00:37:12,200 --> 00:37:15,760
Speaker 2: that's no down payment required. There's also a Home Ready

745
00:37:15,800 --> 00:37:19,799
Speaker 2: program which is offered by fan EMA that's a three

746
00:37:19,840 --> 00:37:25,200
Speaker 2: percent down payment. There is a mortgage insurance requirement, and

747
00:37:25,239 --> 00:37:27,560
Speaker 2: the last one I was going to mention was VA loans.

748
00:37:27,560 --> 00:37:30,880
Speaker 2: So if you're a veteran, there's no down payment required

749
00:37:30,920 --> 00:37:34,040
Speaker 2: on a fur VA loan, and there's no mortgage insurance either.

750
00:37:34,880 --> 00:37:36,680
Speaker 1: And you want to make sure when it comes to

751
00:37:36,719 --> 00:37:39,520
Speaker 1: PMI because I believe don't quote me on a but

752
00:37:39,680 --> 00:37:43,239
Speaker 1: FAHA that there's no So if you get like a

753
00:37:43,280 --> 00:37:45,799
Speaker 1: regular loan and you put down less than twenty percent, right,

754
00:37:45,840 --> 00:37:48,640
Speaker 1: and then once you get to about twenty twenty two percent,

755
00:37:49,000 --> 00:37:51,600
Speaker 1: you can then have the PMI dropped. There are some

756
00:37:51,800 --> 00:37:55,000
Speaker 1: loan products that there is no dropping the PMI even

757
00:37:55,040 --> 00:37:57,439
Speaker 1: once you get to over twenty percent equity in the home.

758
00:37:58,120 --> 00:38:00,080
Speaker 2: Yeah. What a lot of people do with FAHA, and

759
00:38:00,160 --> 00:38:02,880
Speaker 2: specifically for that reason, is they'll refinance it into a

760
00:38:02,920 --> 00:38:06,080
Speaker 2: conventional loan. So when you get to a certain point,

761
00:38:06,160 --> 00:38:08,000
Speaker 2: you can say, Okay, I'm ready, I'm gonna I'm gonna

762
00:38:08,040 --> 00:38:10,160
Speaker 2: refinance out of my f h A loan to a

763
00:38:10,200 --> 00:38:12,799
Speaker 2: conventional loan with another lender. Once you've got up to

764
00:38:12,800 --> 00:38:16,279
Speaker 2: a certain amount of equity to where you qualify for refinance.

765
00:38:17,520 --> 00:38:18,000
Speaker 1: Yeah.

766
00:38:18,320 --> 00:38:20,000
Speaker 2: Yeah, And that's that's one thing you can do if

767
00:38:20,000 --> 00:38:21,759
Speaker 2: you if you if you put down a load down

768
00:38:21,800 --> 00:38:24,759
Speaker 2: payment too and you're paying mortgage insurance. Once you get

769
00:38:24,800 --> 00:38:28,200
Speaker 2: to that equity sweet spot where you have twenty percent equity,

770
00:38:29,160 --> 00:38:31,480
Speaker 2: you can try you can try to refinance out of

771
00:38:31,480 --> 00:38:35,239
Speaker 2: that loan to get rid of that PMI requirement.

772
00:38:35,960 --> 00:38:37,759
Speaker 1: And know too that they are banks that offer, like

773
00:38:37,880 --> 00:38:42,360
Speaker 1: right now, M and T like milk and tomatoes. I

774
00:38:42,360 --> 00:38:46,080
Speaker 1: don't know M and T. I didn't know what else

775
00:38:46,160 --> 00:38:50,080
Speaker 1: with that milk and tacos. So M and T Bank

776
00:38:50,239 --> 00:38:52,520
Speaker 1: is a bank that we were actually gonna use Superman

777
00:38:52,560 --> 00:38:55,000
Speaker 1: and I before we decided to pay cash because M

778
00:38:55,040 --> 00:38:59,120
Speaker 1: and T was offering uh, I want to say, uh

779
00:38:59,280 --> 00:39:05,000
Speaker 1: six percent or up to like eighteen or nineteen thousand

780
00:39:05,080 --> 00:39:10,399
Speaker 1: dollars toward closing costs because M ANDT was found doing

781
00:39:10,440 --> 00:39:13,080
Speaker 1: some like, you know, disreputable things to folks that are brown,

782
00:39:13,239 --> 00:39:18,480
Speaker 1: so Latina, Latino and black folks. And so if you

783
00:39:19,080 --> 00:39:22,000
Speaker 1: are a person of color and you're wanting to live

784
00:39:22,040 --> 00:39:24,200
Speaker 1: in a neighborhood which is fifty percent or more people

785
00:39:24,239 --> 00:39:27,400
Speaker 1: of color than M and T, if you get your

786
00:39:27,440 --> 00:39:31,160
Speaker 1: mortgage to them, they and that's literally it. There's no

787
00:39:31,280 --> 00:39:33,759
Speaker 1: other income requirement or whatever. Because we were looking at

788
00:39:33,800 --> 00:39:35,279
Speaker 1: a bunch of houses and we just gave them the

789
00:39:35,360 --> 00:39:37,839
Speaker 1: zip code and they say, yep, that fits the criteria

790
00:39:38,440 --> 00:39:41,160
Speaker 1: and we would we would get up to I think

791
00:39:41,200 --> 00:39:43,919
Speaker 1: it was like eighteen something, eighteen thousand something. So there

792
00:39:43,960 --> 00:39:46,279
Speaker 1: are you might be able to use that to help

793
00:39:46,320 --> 00:39:48,640
Speaker 1: you with that. So there are programs like that, and

794
00:39:48,760 --> 00:39:51,160
Speaker 1: they don't widely talk about that, like if you do

795
00:39:51,200 --> 00:39:53,600
Speaker 1: a Google search. It took me forever to find it

796
00:39:53,680 --> 00:39:55,680
Speaker 1: and I just called and they were like, yeah, we

797
00:39:55,680 --> 00:39:57,600
Speaker 1: do have that program.

798
00:39:57,680 --> 00:39:59,880
Speaker 2: Yeah, just doing a search for your city and then

799
00:40:00,080 --> 00:40:03,680
Speaker 2: down payment assistant programs or first time home buyer programs.

800
00:40:04,200 --> 00:40:06,080
Speaker 2: You never know what may be offered in your local

801
00:40:06,080 --> 00:40:11,040
Speaker 2: community by your local banks that are out there exactly.

802
00:40:11,200 --> 00:40:12,640
Speaker 1: We have one good question.

803
00:40:12,840 --> 00:40:15,880
Speaker 2: Yeah, let's do a quick question. This is from listener Asia.

804
00:40:16,480 --> 00:40:19,560
Speaker 2: Asia has a credit report question. She says, I just

805
00:40:19,640 --> 00:40:23,040
Speaker 2: requested my credit report from all three bureaus. After looking

806
00:40:23,040 --> 00:40:27,640
Speaker 2: it over, I've noticed there is thirteen inquiries, which none

807
00:40:27,640 --> 00:40:30,120
Speaker 2: of which not sure we're considered hard or not, but

808
00:40:30,200 --> 00:40:33,120
Speaker 2: thirteen inquiries that have posted in the past year, and

809
00:40:33,160 --> 00:40:36,279
Speaker 2: I only recognize two out of the thirteen inquiries. It's

810
00:40:36,320 --> 00:40:38,720
Speaker 2: clear to me that some sort of fraud has taken place.

811
00:40:38,800 --> 00:40:41,680
Speaker 2: I have a suspicion who it might be. My question

812
00:40:41,840 --> 00:40:44,680
Speaker 2: is what can I do to have these inquiries removed,

813
00:40:45,120 --> 00:40:47,799
Speaker 2: have a fraud alert placed at my credit reporter accounts,

814
00:40:47,840 --> 00:40:52,480
Speaker 2: and prevent this from happening in the future. Thanks in

815
00:40:52,520 --> 00:41:01,040
Speaker 2: advance Asia, Then there girl happened to me. Yes, question one,

816
00:41:01,080 --> 00:41:02,840
Speaker 2: have the inquiries removed?

817
00:41:03,600 --> 00:41:06,799
Speaker 1: Yes, she can have inquiries removed, but I will one

818
00:41:06,880 --> 00:41:08,800
Speaker 1: make sure that because sometimes you'll have an increy and

819
00:41:08,840 --> 00:41:11,040
Speaker 1: it's a soft inquiry, you know, so you want to

820
00:41:11,040 --> 00:41:14,520
Speaker 1: make sure that the thirteen are indeed like increase where

821
00:41:14,560 --> 00:41:18,399
Speaker 1: somebody gave your information in order to get you know,

822
00:41:18,840 --> 00:41:21,600
Speaker 1: credit or whatever in order to incur more debt, because

823
00:41:21,640 --> 00:41:23,440
Speaker 1: it could just be like if someone sends you like

824
00:41:23,480 --> 00:41:26,120
Speaker 1: a soft solicitation, like hey, you've been pre approofd for

825
00:41:26,160 --> 00:41:28,040
Speaker 1: a credit card. That's also an inquiry, but it's a

826
00:41:28,040 --> 00:41:30,239
Speaker 1: soft inquiry. It doesn't affect you. So I would just say,

827
00:41:30,280 --> 00:41:30,719
Speaker 1: first do.

828
00:41:30,719 --> 00:41:34,479
Speaker 2: That and if you if they really are a hard

829
00:41:34,520 --> 00:41:37,200
Speaker 2: inquiry and someone's actually open an account, she doesn't mention

830
00:41:37,239 --> 00:41:39,400
Speaker 2: if like they're actually tied to an account that's been opened,

831
00:41:40,320 --> 00:41:42,799
Speaker 2: you can dispute those through each You have to do

832
00:41:42,840 --> 00:41:44,759
Speaker 2: it through each of the three credit bureaus, but each

833
00:41:44,800 --> 00:41:47,560
Speaker 2: bureau will have a dispute form where you can say, hey,

834
00:41:47,560 --> 00:41:50,120
Speaker 2: I don't recognize this inquiry or I don't recognize this account,

835
00:41:50,239 --> 00:41:54,160
Speaker 2: it's fraudulent, and then they'll start the investigation. I think

836
00:41:54,200 --> 00:41:56,560
Speaker 2: they have like forty five days by law to get

837
00:41:56,600 --> 00:42:00,879
Speaker 2: back to you. Thirty or forty five days. Number two

838
00:42:01,200 --> 00:42:02,800
Speaker 2: she I think number two and number three maybe the

839
00:42:02,840 --> 00:42:04,680
Speaker 2: same thing. But she wants to know about adding a

840
00:42:04,719 --> 00:42:10,319
Speaker 2: fraud alert on her credit report. I think that I'm

841
00:42:10,320 --> 00:42:12,439
Speaker 2: pretty sure each of the three bureaus has some sort

842
00:42:12,480 --> 00:42:14,680
Speaker 2: of fraud alert system that you can sign up for

843
00:42:15,480 --> 00:42:18,279
Speaker 2: if you've been a victim of one of these data breaches, like,

844
00:42:18,320 --> 00:42:21,000
Speaker 2: for example, the Equifax data breach. They offer they actually

845
00:42:21,000 --> 00:42:25,680
Speaker 2: offered some free credit monitoring services, so you can actually

846
00:42:25,680 --> 00:42:28,640
Speaker 2: get it for free that way. Or you could do

847
00:42:28,719 --> 00:42:30,440
Speaker 2: what I did. Do what I did, which is to

848
00:42:30,480 --> 00:42:34,120
Speaker 2: put a credit freeze on my accounts on all three bureaus,

849
00:42:34,160 --> 00:42:36,799
Speaker 2: and that just means that nobody's allowed to open a

850
00:42:36,800 --> 00:42:39,759
Speaker 2: credit card or open an account. You know, I realized

851
00:42:39,840 --> 00:42:41,880
Speaker 2: I couldn't even open a CD because I had a

852
00:42:41,880 --> 00:42:44,319
Speaker 2: credit freeze. I had to thaw my report before I

853
00:42:44,320 --> 00:42:47,640
Speaker 2: could open up a CD account recently, which you know,

854
00:42:47,680 --> 00:42:50,680
Speaker 2: it was fine, but it just prevents that it prevents

855
00:42:50,719 --> 00:42:53,600
Speaker 2: anybody but you from opening up an account.

856
00:42:54,640 --> 00:42:56,160
Speaker 1: And so like I said, you know, I have a

857
00:42:57,120 --> 00:43:02,000
Speaker 1: LifeLock because I was having so much trouble with people like, well,

858
00:43:02,040 --> 00:43:04,520
Speaker 1: not me, but Superman was just I don't know, people

859
00:43:04,560 --> 00:43:06,960
Speaker 1: were stilling his identity left and right, like somebody bought

860
00:43:07,000 --> 00:43:09,480
Speaker 1: a car, just all of this stuff. So finally he

861
00:43:09,520 --> 00:43:13,040
Speaker 1: got LifeLock and then he's like he really should get

862
00:43:13,040 --> 00:43:15,040
Speaker 1: it too, And I've paid like what ten bucks a month,

863
00:43:15,520 --> 00:43:18,239
Speaker 1: and I get like a notification like if I try

864
00:43:18,239 --> 00:43:20,600
Speaker 1: to open up a bank account, even myself, I get

865
00:43:20,600 --> 00:43:23,080
Speaker 1: a notification like, hey, Tiffany, someone's at a bank trying

866
00:43:23,080 --> 00:43:25,000
Speaker 1: to open up a bank account. Is that you. They'll

867
00:43:25,000 --> 00:43:26,440
Speaker 1: text me and they'll email me and I have to

868
00:43:26,440 --> 00:43:29,040
Speaker 1: say yes or no. So it might just be worth

869
00:43:29,239 --> 00:43:31,319
Speaker 1: worth it, you know, to look into that as well.

870
00:43:32,520 --> 00:43:36,920
Speaker 2: Yeah, So those types of services are identity identity monitoring.

871
00:43:37,680 --> 00:43:40,720
Speaker 1: Yeah, not even monitoring, because the monitoring stuff is usually free.

872
00:43:41,000 --> 00:43:43,960
Speaker 1: It's literally a protection so it stops people. So like

873
00:43:44,400 --> 00:43:46,680
Speaker 1: for example, like this credit sess to me might have

874
00:43:46,760 --> 00:43:50,760
Speaker 1: identity monitoring, which means, you know, they'll show you, Hey,

875
00:43:51,120 --> 00:43:54,200
Speaker 1: these things are happening, but they won't stop people from

876
00:43:54,760 --> 00:43:57,600
Speaker 1: opening up account. So something like a LifeLock, Well, if

877
00:43:57,640 --> 00:44:00,399
Speaker 1: someone tries to open an account, even if it is you,

878
00:44:00,920 --> 00:44:04,160
Speaker 1: there's another firewall that pops up with you yourself. They'll

879
00:44:04,160 --> 00:44:07,320
Speaker 1: call you, they'll texture, they email you to have clear verification,

880
00:44:07,480 --> 00:44:20,200
Speaker 1: like yes, that's me. Continue all right, quick wins? Do

881
00:44:20,280 --> 00:44:20,759
Speaker 1: you have a win?

882
00:44:20,960 --> 00:44:23,880
Speaker 2: Quick? Quick? Quick? I cannot not give a win to

883
00:44:24,160 --> 00:44:26,359
Speaker 2: the cast of get Out and the director of get Out,

884
00:44:26,719 --> 00:44:30,279
Speaker 2: Jordan Peele, who was nominated for an Oscar Today, which

885
00:44:30,320 --> 00:44:34,200
Speaker 2: is like what a psychological thriller about race? Nominated for

886
00:44:34,200 --> 00:44:36,799
Speaker 2: an Oscar for Best Picture and Best Director, Like that

887
00:44:37,520 --> 00:44:41,160
Speaker 2: is amazing, and so was the actor Daniel Kalua who

888
00:44:41,560 --> 00:44:45,320
Speaker 2: started that movie was nominated as Best Actor alongside Denzel

889
00:44:45,440 --> 00:44:47,680
Speaker 2: A lot of a lot of like brown, brown girl,

890
00:44:47,719 --> 00:44:51,560
Speaker 2: brown guy. Magic. Yeah, they're listening, it's happening.

891
00:44:52,600 --> 00:44:57,120
Speaker 1: And so mine is just just a quick win from

892
00:44:57,160 --> 00:44:59,799
Speaker 1: miss Mary J. Blige because she she got nominated for

893
00:44:59,840 --> 00:45:01,719
Speaker 1: her role in Mudbound, which is I guess it's a

894
00:45:01,760 --> 00:45:04,360
Speaker 1: Netflix yes book.

895
00:45:04,640 --> 00:45:05,000
Speaker 2: I read that.

896
00:45:05,400 --> 00:45:08,160
Speaker 1: That's really good, you know, because Mary Mary's you know,

897
00:45:08,239 --> 00:45:10,839
Speaker 1: she's had a quite a rough year with with you know,

898
00:45:11,000 --> 00:45:14,160
Speaker 1: can do and all can't don't and you know all

899
00:45:14,200 --> 00:45:15,799
Speaker 1: that he's put her through. And I'm like, Mary right

900
00:45:15,840 --> 00:45:18,400
Speaker 1: now is winning on winning. She got her star, her

901
00:45:18,440 --> 00:45:21,799
Speaker 1: Walk of Fame, her you know, on her birthday. So

902
00:45:21,840 --> 00:45:24,879
Speaker 1: I hope he's over there getting his absolute worst life

903
00:45:24,880 --> 00:45:27,120
Speaker 1: as he watches his wife, his ex wife blow up.

904
00:45:27,280 --> 00:45:29,960
Speaker 1: He tried to tear my girl Mary down. And so

905
00:45:30,800 --> 00:45:33,600
Speaker 1: just a little extra grease for your elbow, Mary, That's

906
00:45:33,600 --> 00:45:35,560
Speaker 1: what Nigerians say when they were like, go, hey girl,

907
00:45:36,040 --> 00:45:39,239
Speaker 1: more grease to your elbow. And yeah, just it's it's

908
00:45:39,280 --> 00:45:42,399
Speaker 1: dope to see all of this Brown is shining during

909
00:45:42,440 --> 00:45:45,360
Speaker 1: the award season and and what was his sterling k Brown?

910
00:45:45,400 --> 00:45:47,480
Speaker 1: You know this is us Like, didn't he get the SAG.

911
00:45:47,400 --> 00:45:50,640
Speaker 2: Award continues making history as the first African American I

912
00:45:50,760 --> 00:45:52,000
Speaker 2: had to win all these awards.

913
00:45:52,200 --> 00:45:56,600
Speaker 1: Yeah, he cried and I was like yes, so yeah,

914
00:45:56,640 --> 00:46:00,719
Speaker 1: So that's winds good on good, And hopefully we have

915
00:46:00,719 --> 00:46:03,640
Speaker 1: a little surprise for you coming up right. We're you know,

916
00:46:03,640 --> 00:46:06,560
Speaker 1: we're gonna tease at it, but hopefully we'll have like

917
00:46:06,600 --> 00:46:08,680
Speaker 1: a really dope interview. You know, we don't do interviews

918
00:46:08,760 --> 00:46:10,960
Speaker 1: very often, but I think this person is gonna be amazing.

919
00:46:11,800 --> 00:46:13,800
Speaker 1: If I'm able to be here, I will. If not,

920
00:46:13,960 --> 00:46:18,920
Speaker 1: you already know, Mandy, got y'all and yes, and you

921
00:46:18,960 --> 00:46:20,920
Speaker 1: know I will be listening from my bed as I

922
00:46:21,040 --> 00:46:22,759
Speaker 1: order Superman around because I won't be able to get

923
00:46:22,840 --> 00:46:24,640
Speaker 1: up for two for a few days. Like give it,

924
00:46:24,960 --> 00:46:27,680
Speaker 1: give it X. Yeah, I have a bell. Oh, I

925
00:46:27,680 --> 00:46:31,880
Speaker 1: should get a bell. I would be divorced within a

926
00:46:31,920 --> 00:46:32,680
Speaker 1: week with the bell.

927
00:46:35,400 --> 00:46:39,239
Speaker 2: I'll just do what I do in text. Hello, sir

928
00:46:39,400 --> 00:46:45,200
Speaker 2: ten feet away. Well, everything is gonna go well, and

929
00:46:45,239 --> 00:46:48,879
Speaker 2: I wish you a speedy recovery. And I can't wait

930
00:46:48,920 --> 00:46:51,239
Speaker 2: to hear from you and hear that everything went perfectly

931
00:46:52,280 --> 00:46:55,360
Speaker 2: and you're well on your way to get them. Twins.

932
00:46:55,920 --> 00:46:58,880
Speaker 1: Twins, honey, twins, You just wait them. Twins are common