1 00:00:16,560 --> 00:00:20,799 Speaker 1: Hey, hey, hey, I'm back and I'm feeling great. 2 00:00:21,280 --> 00:00:25,400 Speaker 2: It's Tiffany and it's Mandy. Hey guys, and this is 3 00:00:26,440 --> 00:00:27,360 Speaker 2: Brown Ambition. 4 00:00:28,080 --> 00:00:29,640 Speaker 3: Yes, look at about professional. 5 00:00:32,080 --> 00:00:34,159 Speaker 2: I got the results of my DNA test that I 6 00:00:34,600 --> 00:00:41,159 Speaker 2: that I sent to twenty three and me. No, my 7 00:00:41,280 --> 00:00:43,080 Speaker 2: husband said we might have to change the name of 8 00:00:43,120 --> 00:00:44,199 Speaker 2: the show to Beijes Ambition. 9 00:00:45,159 --> 00:00:45,919 Speaker 3: Why. 10 00:00:46,200 --> 00:00:51,960 Speaker 2: It turns out I'm fifty four percent European and forty 11 00:00:52,040 --> 00:00:58,520 Speaker 2: three percent sub Saharan African. I'm only forty three percent black. Yay, Like, so. 12 00:00:58,480 --> 00:01:00,480 Speaker 3: What because so your father like because. 13 00:01:00,240 --> 00:01:03,280 Speaker 2: I was saying, like it's so funny. I mean I 14 00:01:03,280 --> 00:01:06,720 Speaker 2: guess that means maybe my dad. I mean, yeah, I 15 00:01:06,760 --> 00:01:09,080 Speaker 2: had a little bit of European. Who knows. It was interesting. 16 00:01:09,360 --> 00:01:11,200 Speaker 2: I mean there was nothing too shocking. That was just 17 00:01:11,240 --> 00:01:12,040 Speaker 2: really hilarious. 18 00:01:12,400 --> 00:01:15,880 Speaker 3: Yeah. Also sub Saharan African, that's like what Ethiopia? Like, 19 00:01:15,920 --> 00:01:16,319 Speaker 3: what's that? 20 00:01:16,520 --> 00:01:16,679 Speaker 4: Oh? 21 00:01:16,800 --> 00:01:19,480 Speaker 2: Actually did I say sub Saharan? Sorry, I met Western Africa. 22 00:01:19,520 --> 00:01:21,640 Speaker 2: I'm a little bit Subsaharan. It was the same thing, 23 00:01:21,680 --> 00:01:23,800 Speaker 2: you know. I shared my dad's results a little while ago. 24 00:01:23,880 --> 00:01:26,560 Speaker 2: He was he did ancestry dot Com. I did twenty 25 00:01:26,560 --> 00:01:29,240 Speaker 2: three and me and his results were all the you know, 26 00:01:29,319 --> 00:01:34,000 Speaker 2: the the main you know, Ghana, Nigeria, all those West 27 00:01:34,040 --> 00:01:39,399 Speaker 2: African countries, African countries, and I basically had the same. Yeah, 28 00:01:39,480 --> 00:01:43,920 Speaker 2: I'm way more British and Irish than I thought. I mean, 29 00:01:43,959 --> 00:01:46,040 Speaker 2: I guess that makes sense. I knew my I knew 30 00:01:46,080 --> 00:01:49,160 Speaker 2: my mom's side came from Ireland. I didn't know all 31 00:01:49,200 --> 00:01:51,520 Speaker 2: the all the all the British side too. 32 00:01:51,560 --> 00:01:54,960 Speaker 1: But interesting, did your dad when he did his did 33 00:01:55,000 --> 00:01:58,320 Speaker 1: any like European things pop up, even in the smallest. 34 00:01:58,040 --> 00:02:00,960 Speaker 2: I should go back and look now and see, because 35 00:02:00,960 --> 00:02:03,160 Speaker 2: I didn't really, I didn't even look that hard at 36 00:02:03,200 --> 00:02:05,200 Speaker 2: my dad's results. I just looked at, you know, like 37 00:02:05,280 --> 00:02:09,320 Speaker 2: what we're in Africa, my people came from. But yeah, 38 00:02:09,160 --> 00:02:13,000 Speaker 2: a thirty nine point eight percent West African I am 39 00:02:13,200 --> 00:02:17,320 Speaker 2: and two point five percent whatever broadly sub Saharan Africa means. 40 00:02:17,320 --> 00:02:19,640 Speaker 2: I don't know, that's that's the other two percent. 41 00:02:19,720 --> 00:02:23,040 Speaker 1: Well, I if I can speak for the Black delegation, 42 00:02:23,280 --> 00:02:26,280 Speaker 1: we certainly would love for you to maintain your membership. 43 00:02:27,200 --> 00:02:29,200 Speaker 1: There are things you're gonna have to say every year 44 00:02:29,240 --> 00:02:31,880 Speaker 1: you will have to renew to watch good Times. 45 00:02:33,280 --> 00:02:35,959 Speaker 2: You have to pay the extra dues. 46 00:02:36,639 --> 00:02:38,800 Speaker 1: Yeah, the extra dues, You're going to have to wear 47 00:02:38,840 --> 00:02:42,160 Speaker 1: your curly hair at least I would say one or 48 00:02:42,200 --> 00:02:43,200 Speaker 1: two months out of the year. 49 00:02:43,480 --> 00:02:46,560 Speaker 2: Are you kidding? I haven't straightened this hair in two 50 00:02:46,639 --> 00:02:48,000 Speaker 2: years exactly. 51 00:02:48,040 --> 00:02:50,160 Speaker 3: This is why we're allowed you to maintain your membership. 52 00:02:50,520 --> 00:02:52,680 Speaker 2: It's a mess now for real. My hair has turned 53 00:02:52,680 --> 00:02:55,560 Speaker 2: into like a chia pet gone wrong. Really, but I 54 00:02:55,560 --> 00:02:59,079 Speaker 2: love your hair, I know, but like it's bad. It's 55 00:02:59,120 --> 00:03:01,320 Speaker 2: like an overgrown head right now. And I keep trying 56 00:03:01,320 --> 00:03:03,160 Speaker 2: to trim it. I keep saying, like, oh, I can 57 00:03:03,200 --> 00:03:05,240 Speaker 2: just trim my own hair, and I mean, I call 58 00:03:05,320 --> 00:03:06,880 Speaker 2: it a hedge. I'm just making fun of my hair 59 00:03:06,919 --> 00:03:09,000 Speaker 2: because it's just, you know, I really do trim it 60 00:03:09,080 --> 00:03:11,120 Speaker 2: like a hedge. I just snip, snip, snipped, like around 61 00:03:11,800 --> 00:03:14,639 Speaker 2: till it's shaped roughly, like evenly. But I haven't been 62 00:03:14,639 --> 00:03:18,160 Speaker 2: to a real salon in two years now, so I 63 00:03:18,160 --> 00:03:20,320 Speaker 2: need I need an actual haircut. I'm like, because I 64 00:03:20,360 --> 00:03:23,880 Speaker 2: turn around and there are long strands of curly hair 65 00:03:23,960 --> 00:03:25,920 Speaker 2: that are like that are way longer than the rest 66 00:03:25,960 --> 00:03:28,240 Speaker 2: of it. I slick in a little ratchet like you know. 67 00:03:28,320 --> 00:03:30,720 Speaker 2: I saw my nineteen year old cousin yesterday and she 68 00:03:30,800 --> 00:03:35,000 Speaker 2: was like it don't look right, like, you know what. 69 00:03:35,400 --> 00:03:37,440 Speaker 3: Once the kids start telling me, you're like, you know what. 70 00:03:38,360 --> 00:03:41,240 Speaker 2: That was my real rude awakening. I was like, oh, yeah, 71 00:03:41,280 --> 00:03:41,960 Speaker 2: I can't. 72 00:03:42,960 --> 00:03:45,440 Speaker 3: Start saying stuffing. You're like, you know what, let me adjust. 73 00:03:45,600 --> 00:03:47,160 Speaker 2: She's just say it doesn't look right. 74 00:03:48,680 --> 00:03:49,680 Speaker 3: So I was. 75 00:03:49,760 --> 00:03:52,200 Speaker 1: I went to I had my two week update with 76 00:03:52,200 --> 00:03:55,320 Speaker 1: the doctor. Everything is great. I told her my plans 77 00:03:55,320 --> 00:03:58,840 Speaker 1: of trying to have twins, and she said, she's like, 78 00:03:58,880 --> 00:04:01,440 Speaker 1: I want you to try naturally first. There's some tests 79 00:04:01,440 --> 00:04:03,800 Speaker 1: you can take apparently where they like sir die inside 80 00:04:03,840 --> 00:04:06,040 Speaker 1: you and they kind of follow the path of the 81 00:04:06,040 --> 00:04:06,880 Speaker 1: way an egg would go. 82 00:04:07,800 --> 00:04:09,320 Speaker 3: And she was like, yeah, I know. 83 00:04:09,480 --> 00:04:12,360 Speaker 1: She's like it's kind of unpleasant, so take motrid ahead 84 00:04:12,360 --> 00:04:15,480 Speaker 1: of time. I'm like, great, but basically it'll it'll show 85 00:04:15,560 --> 00:04:18,920 Speaker 1: to make sure that my tubes and everything are flowing fully. 86 00:04:18,960 --> 00:04:21,520 Speaker 1: But she said she suspects they are, and she doesn't 87 00:04:21,560 --> 00:04:23,080 Speaker 1: want me to go through IVF. 88 00:04:23,160 --> 00:04:25,480 Speaker 3: She really wants me to do natural first. And I'm like, 89 00:04:25,520 --> 00:04:26,559 Speaker 3: but what if I want twins. 90 00:04:26,600 --> 00:04:29,560 Speaker 1: She's like, the female body is really meant to carry 91 00:04:29,600 --> 00:04:31,360 Speaker 1: one baby at a time, although it does happen that 92 00:04:31,400 --> 00:04:34,040 Speaker 1: people carry two, but that's not really what the uterus 93 00:04:34,120 --> 00:04:37,680 Speaker 1: is for. And I'm like, so now I'm torn. So 94 00:04:37,839 --> 00:04:40,880 Speaker 1: I'm definitely open to brown ambition and feedback. 95 00:04:41,360 --> 00:04:43,080 Speaker 2: She said, I get those babies in bulk. 96 00:04:44,040 --> 00:04:44,320 Speaker 4: I know. 97 00:04:44,520 --> 00:04:45,919 Speaker 3: Well she said that, you know, it's not me. 98 00:04:46,000 --> 00:04:48,520 Speaker 1: She's like, obviously people do it, but she's just like, well, 99 00:04:49,120 --> 00:04:51,520 Speaker 1: I would prefer now if I was like thirty, I 100 00:04:51,560 --> 00:04:54,120 Speaker 1: would definitely be like, sure, girl, But I'm thirty eight, 101 00:04:54,120 --> 00:04:55,920 Speaker 1: and so I guess I'm a little nervous that what if, 102 00:04:56,040 --> 00:05:00,279 Speaker 1: like I can't, like I really would like my my 103 00:05:00,360 --> 00:05:03,760 Speaker 1: baby to have a sister or a brother, and I'm nervous. 104 00:05:03,760 --> 00:05:06,960 Speaker 1: I mean, Supergirl is obviously it's gonna be her sister, 105 00:05:07,000 --> 00:05:09,599 Speaker 1: but Supergirl is already eleven. And I'm like, you know, 106 00:05:09,680 --> 00:05:11,359 Speaker 1: like a playmate, so like, because I know what it 107 00:05:11,400 --> 00:05:14,279 Speaker 1: was like growing up with like somebody in my age range, 108 00:05:14,320 --> 00:05:16,400 Speaker 1: you know, yeah, well, I. 109 00:05:16,320 --> 00:05:19,680 Speaker 2: Mean you can only plan so much. And what I 110 00:05:19,680 --> 00:05:22,120 Speaker 2: would say is, you know you're gonna have what you're 111 00:05:22,160 --> 00:05:24,520 Speaker 2: gonna have, and you know you are friends who have kids, 112 00:05:24,600 --> 00:05:25,520 Speaker 2: and like I. 113 00:05:25,680 --> 00:05:26,720 Speaker 3: Have a these to a nephew. 114 00:05:26,880 --> 00:05:28,440 Speaker 1: So I just said, well, at the very least, I'm 115 00:05:28,440 --> 00:05:31,440 Speaker 1: at least gonna take do the test to see if 116 00:05:31,960 --> 00:05:34,840 Speaker 1: she was like, if you flow freely, then there, then 117 00:05:34,920 --> 00:05:37,279 Speaker 1: you can decide after that. So my mom told me 118 00:05:37,279 --> 00:05:38,760 Speaker 1: she was gonna say, my mom is off for go 119 00:05:38,800 --> 00:05:42,960 Speaker 1: get your twins, girl. But that's because every every grandma, 120 00:05:43,080 --> 00:05:45,440 Speaker 1: potential grandma is always like more than marrier, the more 121 00:05:45,480 --> 00:05:45,960 Speaker 1: the marrier. 122 00:05:46,839 --> 00:05:49,320 Speaker 3: So but she told me, she's like, your doctor's gonna 123 00:05:49,360 --> 00:05:52,120 Speaker 3: tell you shouldn't, but it's not like you can't. 124 00:05:52,120 --> 00:05:54,560 Speaker 1: So I'm gonna just gather as much information as I 125 00:05:54,600 --> 00:05:57,680 Speaker 1: can and make the best decision possible. Superman is getting 126 00:05:57,680 --> 00:06:00,000 Speaker 1: nervous now because he's like, I can't raise these babies 127 00:06:00,160 --> 00:06:02,560 Speaker 1: on my own. I'm like, you are so dramatic. He's 128 00:06:02,600 --> 00:06:05,440 Speaker 1: just he's worried that like something would happen to me 129 00:06:05,480 --> 00:06:07,599 Speaker 1: and like childbirth. I'm like, oh my god, please don't, 130 00:06:07,640 --> 00:06:09,160 Speaker 1: let's not go that far just yet. 131 00:06:09,839 --> 00:06:13,039 Speaker 2: Well, I mean that's a that's a sweet inclination. Yeah, 132 00:06:13,080 --> 00:06:15,479 Speaker 2: I mean, did you see Actually that reminds me. On 133 00:06:15,560 --> 00:06:19,120 Speaker 2: a sad note, there was this this viral. This guy 134 00:06:19,160 --> 00:06:21,680 Speaker 2: on Instagram is going viral because he's been posting about 135 00:06:21,720 --> 00:06:23,920 Speaker 2: he lost his wife and childbirth. It's amazing to think 136 00:06:23,920 --> 00:06:26,440 Speaker 2: that still happens. In like twenty eighteen, I know, right 137 00:06:27,080 --> 00:06:30,839 Speaker 2: in America. Yeah, so he lost his wife and it's 138 00:06:30,880 --> 00:06:33,000 Speaker 2: just like this video of him dancing with his newborn 139 00:06:33,600 --> 00:06:36,679 Speaker 2: and like the internet is just eating I'm not eating 140 00:06:36,680 --> 00:06:40,840 Speaker 2: it up. That sounds like cheap, but it's so sad. 141 00:06:40,200 --> 00:06:41,440 Speaker 3: I see that. 142 00:06:41,760 --> 00:06:44,599 Speaker 2: It's like sharing his pain. It's it's the most It's 143 00:06:44,680 --> 00:06:47,120 Speaker 2: what social media. It's when I like social media for once, 144 00:06:47,160 --> 00:06:49,240 Speaker 2: I'm like, Okay, someone's sharing something real, but it's just 145 00:06:49,279 --> 00:06:53,400 Speaker 2: so sad, like he's really working through the grief and 146 00:06:53,640 --> 00:06:54,480 Speaker 2: the public eye. 147 00:06:55,440 --> 00:06:57,279 Speaker 3: Yeah, he's probably therapeutic for him. 148 00:06:58,600 --> 00:07:01,440 Speaker 2: I don't know. I mean it's it's definitely. I feel 149 00:07:01,480 --> 00:07:05,240 Speaker 2: like he's probably getting a lot of support and yeah, 150 00:07:05,240 --> 00:07:08,240 Speaker 2: it must be really hard, but someone did. We did 151 00:07:08,240 --> 00:07:10,200 Speaker 2: get an email from someone who reached out and just 152 00:07:10,240 --> 00:07:11,920 Speaker 2: wanted to check on you after your surgery. 153 00:07:12,480 --> 00:07:14,200 Speaker 1: Oh a lot of people have hit me up on 154 00:07:14,280 --> 00:07:17,880 Speaker 1: social Just thank you guys. Honestly, I feel really like 155 00:07:18,000 --> 00:07:19,760 Speaker 1: last week was like kind of like the last week 156 00:07:19,760 --> 00:07:22,600 Speaker 1: where I was like, oh, my stitches. I feel I mean, 157 00:07:22,640 --> 00:07:24,560 Speaker 1: it's deceptive because you want to be careful, but I 158 00:07:25,160 --> 00:07:28,400 Speaker 1: have to say I feel like eighty five maybe even 159 00:07:28,680 --> 00:07:32,680 Speaker 1: I would say eighty five percent myself. Like I'm sleeping normally. 160 00:07:33,000 --> 00:07:35,040 Speaker 1: You know, I'm not carrying anything heavy or anything like that. 161 00:07:35,080 --> 00:07:38,720 Speaker 1: But I'm not in pain at all. Sometimes I feel 162 00:07:38,720 --> 00:07:40,680 Speaker 1: a little tight and it's down there just to remind me, 163 00:07:40,800 --> 00:07:41,640 Speaker 1: like slow down. 164 00:07:42,480 --> 00:07:43,600 Speaker 3: But other than that, I feel good. 165 00:07:43,640 --> 00:07:46,680 Speaker 1: I've been I'm back to quote unquote work, you know, 166 00:07:46,800 --> 00:07:49,720 Speaker 1: as far as meanings, back to sitting at my computer. 167 00:07:51,240 --> 00:07:51,960 Speaker 3: I'm not gonna lie. 168 00:07:51,960 --> 00:07:54,360 Speaker 1: It's been at It's been hard to jump start because 169 00:07:54,400 --> 00:07:56,240 Speaker 1: I literally took off like a week and a half 170 00:07:56,280 --> 00:07:58,880 Speaker 1: and I'm like, all right, Tiffany, come on, Tiffany, come on, 171 00:07:59,120 --> 00:08:01,840 Speaker 1: you know. But yeah, if you guys have reached out 172 00:08:01,880 --> 00:08:03,640 Speaker 1: to me on social and just hit me up in 173 00:08:03,640 --> 00:08:05,880 Speaker 1: the inbox, and I just want to say thank you, 174 00:08:05,880 --> 00:08:06,160 Speaker 1: you know. 175 00:08:07,360 --> 00:08:08,880 Speaker 3: It's and it was. 176 00:08:08,960 --> 00:08:11,720 Speaker 1: It's what's so crazy is how many women are like 177 00:08:11,880 --> 00:08:14,880 Speaker 1: I had the surgery or I have fiboids, and somebody 178 00:08:14,920 --> 00:08:16,320 Speaker 1: hit me that I thought was great. She was like, 179 00:08:16,360 --> 00:08:19,240 Speaker 1: thank you so much for talking about how your insurance 180 00:08:19,280 --> 00:08:19,640 Speaker 1: covered it. 181 00:08:19,720 --> 00:08:20,400 Speaker 3: I didn't know that. 182 00:08:20,600 --> 00:08:22,880 Speaker 1: She's like, I checked, and my insurance covers my surgery. 183 00:08:22,920 --> 00:08:26,679 Speaker 1: I'm getting mine too, And I was like, yes, that's awesome. 184 00:08:27,360 --> 00:08:30,440 Speaker 2: Thanks. Oh relation. That just reminds me tomorrow was Valentine's Day. 185 00:08:30,840 --> 00:08:31,960 Speaker 2: I'll me Valentine's Day. 186 00:08:32,000 --> 00:08:34,959 Speaker 1: Everybody listen, and if you're with somebody who's called a 187 00:08:35,040 --> 00:08:38,520 Speaker 1: Valentine's Day, break up with them. 188 00:08:39,240 --> 00:08:42,520 Speaker 2: Oh god, man, someone misspelled definitely today and I just 189 00:08:42,559 --> 00:08:47,760 Speaker 2: got the shivers. I was in that word. 190 00:08:50,640 --> 00:08:52,719 Speaker 3: Like pacific and specific. 191 00:08:53,080 --> 00:08:54,600 Speaker 2: Oh lord, I can go, we can go. 192 00:08:55,000 --> 00:08:55,360 Speaker 3: I don't. 193 00:08:55,920 --> 00:08:57,480 Speaker 1: Let's not do that mean while I'm the word like, 194 00:08:57,559 --> 00:09:00,440 Speaker 1: I don't even judge because when like, in my head, 195 00:09:00,480 --> 00:09:02,840 Speaker 1: I type correctly, But then I reread some of my 196 00:09:02,880 --> 00:09:05,880 Speaker 1: Facebook statuses and I'm like, so there's no spell check 197 00:09:05,880 --> 00:09:08,360 Speaker 1: anywhere on your computer, Tiffany, because this is horrendous. 198 00:09:09,360 --> 00:09:10,000 Speaker 3: I'm just not a. 199 00:09:09,960 --> 00:09:12,360 Speaker 1: Good like typer, although in my head I know the 200 00:09:12,440 --> 00:09:13,400 Speaker 1: right things to say. 201 00:09:13,640 --> 00:09:15,160 Speaker 2: That's okay, we forgive you. 202 00:09:15,320 --> 00:09:19,280 Speaker 1: Are you guys gonna do anything I told I told Superman, like, eh, 203 00:09:19,559 --> 00:09:21,640 Speaker 1: I don't you know, I don't care. 204 00:09:21,880 --> 00:09:25,040 Speaker 2: It's a nice excuse to actually it's a nice excuse 205 00:09:25,080 --> 00:09:26,760 Speaker 2: to do something nice if you want to. But I 206 00:09:26,760 --> 00:09:29,839 Speaker 2: don't feel pressure. We we're you know, we're in the 207 00:09:29,880 --> 00:09:31,760 Speaker 2: middle of this house process and we're both just like 208 00:09:31,760 --> 00:09:34,600 Speaker 2: a bundle of nerves. So we are going to see 209 00:09:34,640 --> 00:09:39,040 Speaker 2: Black Panther on Friday, not technically a Valentine's Day date, 210 00:09:39,080 --> 00:09:41,240 Speaker 2: but I'm excited. It looks really good. I got these 211 00:09:41,240 --> 00:09:42,280 Speaker 2: tickets like a month ago. 212 00:09:42,800 --> 00:09:45,720 Speaker 1: It does look I honestly, everyone keeps saying I have 213 00:09:45,880 --> 00:09:47,920 Speaker 1: not seen one negative review, which is. 214 00:09:47,880 --> 00:09:49,160 Speaker 3: Like unheard of. Yeah. 215 00:09:49,200 --> 00:09:53,120 Speaker 2: The soundtrack is amazing. Kendrick Lamard did the soundtrack. It 216 00:09:53,200 --> 00:09:55,680 Speaker 2: is like the blackest I mean, first of all, like 217 00:09:55,760 --> 00:09:58,040 Speaker 2: to have the first. This is this is the first 218 00:09:58,080 --> 00:10:01,480 Speaker 2: all black superhero movie, right or primarily black, right. I 219 00:10:01,480 --> 00:10:04,000 Speaker 2: can't think of another one. Maybe that one on Netflix 220 00:10:04,040 --> 00:10:06,200 Speaker 2: with Luthor or whatever it is. But this is like 221 00:10:06,280 --> 00:10:10,079 Speaker 2: a Marvel movie. Yeah, And I just love that they 222 00:10:10,679 --> 00:10:13,040 Speaker 2: they are doing the most with it and really embracing it. 223 00:10:13,080 --> 00:10:15,440 Speaker 2: And they got they got Ryan Kugler to direct, like 224 00:10:15,480 --> 00:10:19,960 Speaker 2: he directed? Did he direct Fruitvale Station in Rocky? 225 00:10:20,120 --> 00:10:22,240 Speaker 3: I don't know. I'm not a good director. 226 00:10:22,440 --> 00:10:26,160 Speaker 2: Okay, I'm pretty sure that's right. And they got Kendrick 227 00:10:26,200 --> 00:10:29,080 Speaker 2: Lamargin to the soundtrack, like you know, I don't know. 228 00:10:29,280 --> 00:10:29,840 Speaker 2: It's amazing. 229 00:10:29,880 --> 00:10:32,000 Speaker 3: It's black on black on black, black and. 230 00:10:32,160 --> 00:10:32,800 Speaker 2: Black by black. 231 00:10:43,120 --> 00:10:46,720 Speaker 3: All right, are you ready for some brown break? 232 00:10:46,720 --> 00:10:52,920 Speaker 5: Brown booth always well, I am going to take a 233 00:10:52,960 --> 00:10:57,280 Speaker 5: brown break from the people who are going a little 234 00:10:57,320 --> 00:11:00,920 Speaker 5: bit too hard against these new presidential the first Lady 235 00:11:01,320 --> 00:11:05,199 Speaker 5: and President Barack Obama their their new official portraits. 236 00:11:05,320 --> 00:11:08,240 Speaker 3: Oh lord, I'm gonna take a brown I mean. 237 00:11:08,160 --> 00:11:09,319 Speaker 2: I'm not the break. 238 00:11:09,760 --> 00:11:12,400 Speaker 1: Yes, Like, so, when I first saw, I'm very familiar 239 00:11:12,520 --> 00:11:16,280 Speaker 1: with let me you know, let me portraits because I'm gonna. 240 00:11:16,280 --> 00:11:17,760 Speaker 1: I don't want to say their name is wrong because 241 00:11:18,000 --> 00:11:23,319 Speaker 1: especially since the young man who painted it is is Nigerian. 242 00:11:24,040 --> 00:11:25,840 Speaker 2: So then was it a young because I've only seen 243 00:11:25,840 --> 00:11:28,480 Speaker 2: the woman who painted Michelle. So two separate artists did 244 00:11:28,480 --> 00:11:29,119 Speaker 2: the portraits. 245 00:11:29,760 --> 00:11:32,199 Speaker 3: So it's like, let me see, but. 246 00:11:32,200 --> 00:11:34,040 Speaker 2: They selected them personally, right. 247 00:11:34,559 --> 00:11:39,599 Speaker 1: Yeah, so and and and the portraits are honestly, the 248 00:11:40,360 --> 00:11:45,079 Speaker 1: portraits are perfect representations of like their work, you know 249 00:11:45,120 --> 00:11:49,880 Speaker 1: what I mean. And so it's like, Okay, it's Cayenne 250 00:11:49,880 --> 00:11:52,160 Speaker 1: Dee Wiley. I believe he's Nigerian and at least I 251 00:11:52,200 --> 00:11:55,400 Speaker 1: think he's West African. So and then Amy Sheryld who's 252 00:11:55,400 --> 00:11:57,959 Speaker 1: from Detroit, So Kayne Wiley, Like. 253 00:11:58,320 --> 00:12:01,880 Speaker 2: Sorry, people are already messing with this one of Obama 254 00:12:01,920 --> 00:12:04,480 Speaker 2: because you know he's in like the bushes it's beautiful. 255 00:12:04,960 --> 00:12:07,800 Speaker 2: They put like Sean Spicer creeping out from behind the bushes. 256 00:12:07,960 --> 00:12:10,320 Speaker 6: All right, sorry, but people are going so hard and 257 00:12:10,360 --> 00:12:16,280 Speaker 6: I'm like, so most people liked the President Obama's his portrait, 258 00:12:16,559 --> 00:12:18,240 Speaker 6: but I mean that's how and some people don't. 259 00:12:18,240 --> 00:12:20,240 Speaker 1: But that's if you look at Cayenne's and stuff, it's 260 00:12:20,400 --> 00:12:22,600 Speaker 1: it's larger than life. I've seen it at the Brooklyn Museum. 261 00:12:22,640 --> 00:12:26,040 Speaker 1: It's beautiful and like his stuff always has his background 262 00:12:26,080 --> 00:12:26,240 Speaker 1: like this. 263 00:12:26,280 --> 00:12:29,199 Speaker 3: So it's not a huge surprise. They clearly knew. It 264 00:12:29,240 --> 00:12:31,160 Speaker 3: wasn't like, oh my god, I've never seen it before. 265 00:12:31,760 --> 00:12:33,920 Speaker 1: Like you know, anybody who's an artist knows that that 266 00:12:33,960 --> 00:12:35,800 Speaker 1: you do a sketch and then the color sketch. There's 267 00:12:35,840 --> 00:12:38,360 Speaker 1: all of these processes that go along. So these weren't 268 00:12:38,440 --> 00:12:41,160 Speaker 1: unveiled like oh my god, what is this? And then 269 00:12:41,360 --> 00:12:43,560 Speaker 1: Amy Cheryl that's the one that people are having the 270 00:12:43,600 --> 00:12:49,800 Speaker 1: biggest pushback with because so she is the first lady 271 00:12:49,920 --> 00:12:54,000 Speaker 1: is kind of gray tone, which is typical of her paintings. 272 00:12:55,000 --> 00:12:58,200 Speaker 1: And then but her dress has a lot of meaning 273 00:12:58,280 --> 00:13:03,040 Speaker 1: that there's different take cloth and can't take cloth. It 274 00:13:03,160 --> 00:13:07,320 Speaker 1: was meant to give different messages, like different patterns that 275 00:13:07,360 --> 00:13:09,600 Speaker 1: you wove into can't take cloth. We'd give different messages 276 00:13:09,880 --> 00:13:14,160 Speaker 1: so that way slaves could communicate with each other without 277 00:13:15,000 --> 00:13:19,240 Speaker 1: their master's knowing. And so she, yeah, she embedded all 278 00:13:19,240 --> 00:13:21,160 Speaker 1: that in there. And so when I first saw the 279 00:13:21,160 --> 00:13:23,560 Speaker 1: first ladies, I wasn't in love, I will be honest, 280 00:13:23,679 --> 00:13:25,960 Speaker 1: but it's definitely grown on me, especially as I've looked 281 00:13:26,000 --> 00:13:29,760 Speaker 1: up this woman's her her work, and I'm like, you know, it's. 282 00:13:29,640 --> 00:13:32,000 Speaker 3: Grown on me. But people are really like, I mean, 283 00:13:32,000 --> 00:13:32,920 Speaker 3: this is historic. 284 00:13:33,440 --> 00:13:38,840 Speaker 1: This is two black artists drawing the first black president 285 00:13:38,960 --> 00:13:45,319 Speaker 1: and his first lady, who is also African American, and 286 00:13:45,320 --> 00:13:47,800 Speaker 1: and they're black artists, and this stuff was gonna live 287 00:13:47,840 --> 00:13:49,760 Speaker 1: in history forever and ever. I don't know if you've 288 00:13:49,760 --> 00:13:53,320 Speaker 1: seen the lineup of like the last ten presidentss their 289 00:13:54,120 --> 00:13:57,960 Speaker 1: their portraits, it's like gray and brown and black tones. 290 00:13:57,960 --> 00:14:00,000 Speaker 1: They're all beautiful and then all of a sudden boom 291 00:14:00,600 --> 00:14:05,120 Speaker 1: present Obama's portrait, which is like beautifully lush and green 292 00:14:05,160 --> 00:14:07,840 Speaker 1: and full of life. And they will go down in history. 293 00:14:07,880 --> 00:14:12,840 Speaker 1: And you cannot like the art itself because it's super subjective. 294 00:14:13,080 --> 00:14:15,520 Speaker 1: But people are like just dragging almost like the artists, 295 00:14:15,520 --> 00:14:19,000 Speaker 1: which I'm just like really like I'm just over it, Like. 296 00:14:18,960 --> 00:14:21,440 Speaker 3: I get it. You don't like it. Honestly, I don't care. 297 00:14:22,400 --> 00:14:24,560 Speaker 2: I think people are too quick to judge. I mean, 298 00:14:24,560 --> 00:14:26,440 Speaker 2: if you ever go to first of all, I think 299 00:14:26,840 --> 00:14:29,120 Speaker 2: seeing a little tiny image on your computer or your 300 00:14:29,160 --> 00:14:31,080 Speaker 2: phone is not the same thing as being in front 301 00:14:31,080 --> 00:14:33,840 Speaker 2: of this massive work of art. And if you've ever 302 00:14:33,840 --> 00:14:36,000 Speaker 2: gone to a museum, you mean, the whole point of 303 00:14:36,040 --> 00:14:38,080 Speaker 2: those benches in a museum is to sit with it 304 00:14:38,120 --> 00:14:40,000 Speaker 2: and to look at it and let it wash over you. 305 00:14:40,680 --> 00:14:43,640 Speaker 2: And some art isn't necessarily as easy to digest as 306 00:14:43,680 --> 00:14:46,920 Speaker 2: others because it challenges you because it doesn't look easy 307 00:14:47,040 --> 00:14:51,680 Speaker 2: and palatable. And I'm not This is not to shade 308 00:14:52,600 --> 00:14:55,160 Speaker 2: the man who did Obama's portrait, because it's beautiful and lush, 309 00:14:55,160 --> 00:14:56,920 Speaker 2: and I think that's maybe a little bit more appealing 310 00:14:57,040 --> 00:14:59,240 Speaker 2: just because the color is used. They're just easy to 311 00:14:59,280 --> 00:15:04,440 Speaker 2: digest and they're they're so clearly vibrant, and Michelle's is quieter. 312 00:15:04,640 --> 00:15:06,240 Speaker 2: I mean, I think that you just have to give 313 00:15:06,240 --> 00:15:09,320 Speaker 2: it a chance. It's regal, it's elegant. To me, it's 314 00:15:09,320 --> 00:15:11,320 Speaker 2: like it's almost like a black and white image with 315 00:15:11,360 --> 00:15:14,320 Speaker 2: a little bit of saturation added. And I just think 316 00:15:14,360 --> 00:15:17,120 Speaker 2: it's I loved it and I don't see anything like 317 00:15:17,160 --> 00:15:19,600 Speaker 2: I just think people are just First of all, I 318 00:15:19,600 --> 00:15:21,920 Speaker 2: think it's a great headline. Michelle Obama's portra doesn't look 319 00:15:21,920 --> 00:15:25,200 Speaker 2: anything like her. I mean, whether it's a magazine cover 320 00:15:25,560 --> 00:15:28,640 Speaker 2: or you know, an Instagram post. Michelle Obama's appearance from 321 00:15:28,800 --> 00:15:31,480 Speaker 2: the second you know, they hit the national stage has 322 00:15:31,520 --> 00:15:33,680 Speaker 2: been like picked apart. And to me it's kind of 323 00:15:33,720 --> 00:15:37,800 Speaker 2: sad but not surprising that the same as happening with this, 324 00:15:38,240 --> 00:15:40,280 Speaker 2: you know, this work of art maide in her image. 325 00:15:41,000 --> 00:15:44,680 Speaker 1: Yeah and yeah, and like you said, and art doesn't 326 00:15:44,680 --> 00:15:46,600 Speaker 1: have to look like a photograph, like it's. 327 00:15:46,400 --> 00:15:52,080 Speaker 2: Not yah interpretation and it's yeah, the only person who 328 00:15:52,080 --> 00:15:54,160 Speaker 2: really knows it is the artist and whoever's looking at it. 329 00:15:54,200 --> 00:15:56,800 Speaker 2: You know, what does it say to you exactly? 330 00:15:56,880 --> 00:16:01,320 Speaker 1: And from what I understand, you know, first Lady Michelle Obama, 331 00:16:01,480 --> 00:16:04,200 Speaker 1: she picked the artist like seeing some of her work 332 00:16:04,280 --> 00:16:06,920 Speaker 1: like this is this is indicative of her work, like 333 00:16:07,280 --> 00:16:10,040 Speaker 1: gray tones for the skin like it just. 334 00:16:10,280 --> 00:16:12,400 Speaker 3: It looks like her work. I mean some of her 335 00:16:12,400 --> 00:16:14,000 Speaker 3: work is a little bit more colorful, but the. 336 00:16:13,960 --> 00:16:17,000 Speaker 1: Skin of all of her, of all of her people 337 00:16:17,040 --> 00:16:19,920 Speaker 1: are always this color. So I'm just like, and people 338 00:16:19,960 --> 00:16:22,080 Speaker 1: are like putting brown on to talking about I fixed it, 339 00:16:22,120 --> 00:16:23,480 Speaker 1: and I'm like, oh, I don't know. 340 00:16:23,600 --> 00:16:26,320 Speaker 2: Oh that is soone. That's the worst insult I know 341 00:16:27,120 --> 00:16:27,440 Speaker 2: to her. 342 00:16:29,040 --> 00:16:30,840 Speaker 1: Yeah, I it does me because I know what it 343 00:16:30,880 --> 00:16:32,800 Speaker 1: is to like and I think we all know what 344 00:16:32,840 --> 00:16:35,360 Speaker 1: it is to put your heart and soul into something 345 00:16:36,080 --> 00:16:38,800 Speaker 1: and then the reception. It's one thing, like you don't 346 00:16:38,840 --> 00:16:40,480 Speaker 1: have to like everything I do, but then the reception 347 00:16:40,600 --> 00:16:44,440 Speaker 1: to be you know, just levels of disrespect that's just unnecessary, 348 00:16:44,560 --> 00:16:47,320 Speaker 1: like I fixed it, Like girl, this is like my 349 00:16:47,400 --> 00:16:50,000 Speaker 1: life's work, Like to be able to to work with, 350 00:16:50,160 --> 00:16:52,320 Speaker 1: you know, the first black president and his wife, and 351 00:16:52,640 --> 00:16:54,880 Speaker 1: for my things to sit in the Smithsonian as a 352 00:16:54,880 --> 00:16:57,000 Speaker 1: black artist. Do you even know what that means for 353 00:16:57,080 --> 00:17:00,120 Speaker 1: you to say I fixed it or I just so 354 00:17:00,160 --> 00:17:01,000 Speaker 1: you don't have to like it? 355 00:17:01,080 --> 00:17:01,840 Speaker 3: But I don't. 356 00:17:02,200 --> 00:17:05,120 Speaker 1: I think we live in the social media age has 357 00:17:05,119 --> 00:17:07,960 Speaker 1: made everybody think that disrespect is cute. 358 00:17:08,119 --> 00:17:09,119 Speaker 3: Yeah and funny. 359 00:17:09,160 --> 00:17:11,399 Speaker 1: It's like we're all bad three year olds, you know, 360 00:17:11,440 --> 00:17:13,480 Speaker 1: like the three year old that's like listen, Linda, listen. 361 00:17:13,240 --> 00:17:15,360 Speaker 3: Remember that video with that little boy was telling his mother. 362 00:17:15,680 --> 00:17:17,400 Speaker 2: I still quote that video to this day. 363 00:17:17,840 --> 00:17:20,119 Speaker 3: Listen, listen, listen. Okay, listen, listen listen. 364 00:17:20,400 --> 00:17:22,959 Speaker 1: Like we all are like bad three year olds getting 365 00:17:23,000 --> 00:17:26,679 Speaker 1: like high fives for being like disrespectful and unruly. But 366 00:17:26,680 --> 00:17:29,399 Speaker 1: they're like, oh, but it's so funny, like okay, until 367 00:17:29,400 --> 00:17:31,119 Speaker 1: you grow up, but you see people in person and 368 00:17:31,119 --> 00:17:32,240 Speaker 1: you wouldn't say it's in my face. 369 00:17:32,240 --> 00:17:35,480 Speaker 2: Though. Yeah, everyone wants everyone wants a funny hot take 370 00:17:35,560 --> 00:17:39,200 Speaker 2: the most retweets, But this is going to stand through history. Tweets, 371 00:17:39,240 --> 00:17:42,399 Speaker 2: don't you know? Tweets are nothing. This is gonna you know, 372 00:17:42,840 --> 00:17:45,119 Speaker 2: decades from now, kids are going to be passing this 373 00:17:45,200 --> 00:17:47,879 Speaker 2: portrait and they won't think anything of it exactly. 374 00:17:47,960 --> 00:17:51,119 Speaker 1: So that is my brown break from the negativity about 375 00:17:51,119 --> 00:17:53,200 Speaker 1: the portraits. Whether you like it or not, They're here 376 00:17:53,240 --> 00:17:55,399 Speaker 1: to stay. And I'm proud of the two artists. 377 00:17:55,960 --> 00:17:58,520 Speaker 2: Absolutely. Oh I just find anything with their faces on 378 00:17:58,600 --> 00:18:02,439 Speaker 2: and comforting. I'm gonna buy some Michelle Obama socks or something, 379 00:18:02,960 --> 00:18:08,600 Speaker 2: just so I want to do a brown boost this week. 380 00:18:08,920 --> 00:18:11,920 Speaker 2: I actually was hanging out with a couple of friends, 381 00:18:12,359 --> 00:18:14,720 Speaker 2: not this a couple of weekends ago, and I meant 382 00:18:14,720 --> 00:18:16,240 Speaker 2: to do this break this boost last week, but the 383 00:18:16,240 --> 00:18:19,359 Speaker 2: whole lasting took over. So I need to do a 384 00:18:19,400 --> 00:18:22,919 Speaker 2: boost for Sesame Street, the wokest show on the war 385 00:18:23,040 --> 00:18:25,159 Speaker 2: in the world right now. Because I was I was, 386 00:18:25,200 --> 00:18:26,720 Speaker 2: I happen to stay over at their house and they 387 00:18:26,720 --> 00:18:28,840 Speaker 2: have a young daughter, she's a year and a half 388 00:18:28,920 --> 00:18:31,679 Speaker 2: and she loves Sesame Street. And it was Sunday morning, 389 00:18:31,720 --> 00:18:33,960 Speaker 2: and I guess a new, a new hot Sesame Street 390 00:18:34,000 --> 00:18:37,160 Speaker 2: episode drops on HBO every every Sunday at like nine am. 391 00:18:37,240 --> 00:18:39,280 Speaker 2: I didn't know it, but I found out, and so 392 00:18:39,440 --> 00:18:41,600 Speaker 2: when we were all watching it, and it was this, 393 00:18:41,760 --> 00:18:44,639 Speaker 2: it was the cutest little episode it was about. It 394 00:18:44,680 --> 00:18:48,679 Speaker 2: was one muppet with with the curly natural hair and 395 00:18:48,760 --> 00:18:50,800 Speaker 2: two poofs on either side, like the same way I 396 00:18:50,800 --> 00:18:52,320 Speaker 2: wore my hair, and a lot of black girls wore 397 00:18:52,320 --> 00:18:55,080 Speaker 2: their hair on their little kids and sometimes still now. 398 00:18:55,600 --> 00:18:59,000 Speaker 2: And then a little muppet with like blonde hair and 399 00:18:59,119 --> 00:19:01,880 Speaker 2: they were they were damn and the blonde hair girl. 400 00:19:01,920 --> 00:19:04,240 Speaker 2: It was all about teaching about self love and how 401 00:19:04,280 --> 00:19:07,360 Speaker 2: different hair textures are beautiful. But they told the story 402 00:19:07,440 --> 00:19:08,160 Speaker 2: like for children. 403 00:19:08,160 --> 00:19:08,320 Speaker 1: You know. 404 00:19:08,400 --> 00:19:10,159 Speaker 2: The way that they did it is the girl with 405 00:19:10,240 --> 00:19:12,800 Speaker 2: the blonde hair was like whipping her hair back and forth, 406 00:19:12,800 --> 00:19:14,440 Speaker 2: and she was like whip your hair, whip your hair 407 00:19:14,480 --> 00:19:16,320 Speaker 2: and the other girl's like, well, my hair doesn't whip 408 00:19:16,400 --> 00:19:19,920 Speaker 2: like that. We can't dance together. And then the the end, 409 00:19:19,960 --> 00:19:22,600 Speaker 2: the story ending was like, we can dance together. Your hair, 410 00:19:22,720 --> 00:19:25,360 Speaker 2: I think. I think her hair bounced and her her 411 00:19:25,359 --> 00:19:28,159 Speaker 2: hair bounced and the other girl's hair whipped, and they 412 00:19:28,160 --> 00:19:30,800 Speaker 2: made like a dance about you know, hair that bounces 413 00:19:30,880 --> 00:19:32,800 Speaker 2: versus hair that whips. And I just thought it was 414 00:19:32,840 --> 00:19:36,040 Speaker 2: so cute and I was she says to me Street 415 00:19:36,080 --> 00:19:38,119 Speaker 2: like this is amazing. You can just tell they are 416 00:19:38,160 --> 00:19:41,479 Speaker 2: really like whoever's writing this show that you don't think 417 00:19:41,520 --> 00:19:45,159 Speaker 2: about children's television, but and how important it is, you know. 418 00:19:45,240 --> 00:19:47,639 Speaker 2: But I don't know. I just I just loved it. 419 00:19:47,680 --> 00:19:49,280 Speaker 2: And to see their little brown baby watching them and 420 00:19:49,320 --> 00:19:50,000 Speaker 2: me so happy. 421 00:19:50,400 --> 00:19:51,880 Speaker 3: Ah, I love that. Honestly. 422 00:19:52,040 --> 00:19:57,160 Speaker 1: That's me ses Me Place right or Sesame streetest Street. 423 00:19:57,160 --> 00:19:58,359 Speaker 3: I think it's Street right. 424 00:19:58,400 --> 00:19:59,600 Speaker 2: I mean it was Stree when I was a kid. 425 00:19:59,640 --> 00:20:01,600 Speaker 2: Maybe it changed that, I don't know. 426 00:20:02,119 --> 00:20:03,280 Speaker 3: No, I think it is Time Street. 427 00:20:03,280 --> 00:20:05,360 Speaker 1: I think Sessy Place is like the actual like there's 428 00:20:05,359 --> 00:20:08,720 Speaker 1: a physical like location where like an amusement park. 429 00:20:09,280 --> 00:20:10,840 Speaker 3: But yeah, Sesame Street is the best. 430 00:20:11,520 --> 00:20:17,840 Speaker 2: I had no idea. Mm hmmm, did get it all? 431 00:20:24,240 --> 00:20:26,840 Speaker 3: Do we have any good questions we do? 432 00:20:26,880 --> 00:20:29,000 Speaker 2: I was saving this one from last week. Let me 433 00:20:29,040 --> 00:20:29,960 Speaker 2: go find it real quick. 434 00:20:30,400 --> 00:20:34,520 Speaker 1: I'm gonna say yes iTunes for that Black History Month. 435 00:20:36,440 --> 00:20:37,919 Speaker 2: My wind. 436 00:20:39,880 --> 00:20:42,239 Speaker 1: That next week we're gonna see if we're gonna say, 437 00:20:42,280 --> 00:20:44,640 Speaker 1: we're gonna save it never mine rewind. 438 00:20:45,720 --> 00:20:49,640 Speaker 3: So do we have any questions this week? It's fine sidebar. 439 00:20:49,840 --> 00:20:54,600 Speaker 1: My friend Libriya Jones I posted like about Black Ambition 440 00:20:54,720 --> 00:20:55,560 Speaker 1: on my Facebook page. 441 00:20:55,600 --> 00:20:58,280 Speaker 3: She was like, oh my god, tell your co host Manny, 442 00:20:58,359 --> 00:20:59,520 Speaker 3: she's got a great voice. 443 00:21:00,400 --> 00:21:06,680 Speaker 2: Oh wow, thank you you think so? Oh I can't 444 00:21:06,720 --> 00:21:10,399 Speaker 2: leave to Oh really sorry, thank you? 445 00:21:10,880 --> 00:21:11,200 Speaker 3: Uh. 446 00:21:11,359 --> 00:21:14,240 Speaker 2: I will tell my siblings who constantly told me how 447 00:21:14,280 --> 00:21:15,879 Speaker 2: annoying it was when I talked all the time as 448 00:21:15,880 --> 00:21:19,800 Speaker 2: a kid. So, yeah, we have a good question and 449 00:21:19,840 --> 00:21:22,119 Speaker 2: you guys, thanks for sending. We got actually quite a 450 00:21:22,119 --> 00:21:23,520 Speaker 2: few questions a week, but I have to go back 451 00:21:23,560 --> 00:21:26,359 Speaker 2: to those from this one from last week. But just 452 00:21:26,440 --> 00:21:28,000 Speaker 2: as a reminder, you know, you can go to Brown 453 00:21:28,040 --> 00:21:32,120 Speaker 2: Ambition Podcast dot com dot com to drop us a question. 454 00:21:32,200 --> 00:21:35,080 Speaker 2: Just click on ask us anything, or you can hit 455 00:21:35,160 --> 00:21:38,880 Speaker 2: us up directly via email at Brown Ambition Podcast at 456 00:21:38,880 --> 00:21:39,640 Speaker 2: gmail dot. 457 00:21:39,480 --> 00:21:41,560 Speaker 3: Com dot com. 458 00:21:41,720 --> 00:21:43,840 Speaker 2: All right, so this question I thought it was funny. 459 00:21:44,080 --> 00:21:46,720 Speaker 2: This is from Jamishia. I think I'm pronouncing that right, 460 00:21:46,800 --> 00:21:51,199 Speaker 2: Jamisha or Jamisia. She says, is there a harm to 461 00:21:51,280 --> 00:21:55,200 Speaker 2: getting rental cars for other people? My two brothers are 462 00:21:55,280 --> 00:21:58,000 Speaker 2: constantly asking me to rent cars for them. I always 463 00:21:58,040 --> 00:22:00,239 Speaker 2: say no because I don't want my name attached to 464 00:22:00,320 --> 00:22:02,640 Speaker 2: it and if anything happens, it could it could fall 465 00:22:02,720 --> 00:22:04,879 Speaker 2: on me. Correct. I told them I don't want to 466 00:22:04,960 --> 00:22:07,080 Speaker 2: lend out my name, and they're insisting that I'm not. 467 00:22:07,320 --> 00:22:10,959 Speaker 2: And uh they're insisting that of blah blah blah, uh 468 00:22:11,000 --> 00:22:13,080 Speaker 2: and try to guilt me, saying you never want to 469 00:22:13,080 --> 00:22:15,240 Speaker 2: help me, blah blah blah. What do you guys think? 470 00:22:15,280 --> 00:22:17,720 Speaker 2: Am I being too harsh? They have their own cars, 471 00:22:17,760 --> 00:22:19,879 Speaker 2: but they're always selling them for some reason or another, 472 00:22:19,920 --> 00:22:22,200 Speaker 2: and in between they drive rentals. 473 00:22:22,840 --> 00:22:26,640 Speaker 3: So why that's such a young guy thing? Right? 474 00:22:27,080 --> 00:22:30,480 Speaker 2: I could get the car selling it, right, get the 475 00:22:30,520 --> 00:22:32,439 Speaker 2: car sell it. I don't. It's probably they're leasing it 476 00:22:32,480 --> 00:22:34,520 Speaker 2: and their leases are up and then they're like renting 477 00:22:34,520 --> 00:22:36,639 Speaker 2: in between or something like that. I don't know. That 478 00:22:36,760 --> 00:22:40,240 Speaker 2: sounds some shady is happening. I think your spidy senses 479 00:22:40,280 --> 00:22:43,520 Speaker 2: are correct, Jamisia Jamisha, I would say no in a 480 00:22:43,560 --> 00:22:47,520 Speaker 2: heartbeat too, But I actually just had this happen my baby, 481 00:22:47,600 --> 00:22:49,440 Speaker 2: my baby cousin who told me my hair ain't right. 482 00:22:50,520 --> 00:22:52,400 Speaker 2: I'm gonna put her I'm gonna put her business out there. 483 00:22:52,440 --> 00:22:57,119 Speaker 2: So she's nineteen, and she's lived, you know, having having 484 00:22:57,119 --> 00:22:59,199 Speaker 2: seen her grow ups. I used to live with my 485 00:22:59,480 --> 00:23:02,920 Speaker 2: between college and getting a grown adult job. I live 486 00:23:03,000 --> 00:23:06,119 Speaker 2: with my uncle and his basement for like two months, 487 00:23:06,160 --> 00:23:09,119 Speaker 2: and I live with my baby cousins and I, you know, 488 00:23:09,160 --> 00:23:10,840 Speaker 2: in the same house with them. They were twelve and 489 00:23:10,920 --> 00:23:12,760 Speaker 2: six and Anna was a twelve year old. So I've 490 00:23:12,760 --> 00:23:15,360 Speaker 2: seen them grow up and they, you know, their parents 491 00:23:16,040 --> 00:23:18,520 Speaker 2: were always there for them whatever they wanted. They had, 492 00:23:18,760 --> 00:23:21,240 Speaker 2: you know, lived like a but a very loving, like 493 00:23:21,320 --> 00:23:24,120 Speaker 2: supported kind of household. Never had to you know, never 494 00:23:24,160 --> 00:23:27,920 Speaker 2: wanted for anything like solid middle class. And now Ann 495 00:23:27,960 --> 00:23:31,280 Speaker 2: a Banana as I call her, is in college and 496 00:23:31,320 --> 00:23:33,560 Speaker 2: she wants to get a wants to get her first apartment. 497 00:23:33,640 --> 00:23:35,639 Speaker 2: You know, she's working the job, she's got the school 498 00:23:35,640 --> 00:23:39,200 Speaker 2: going on, but they require a co signer, and her dad, 499 00:23:39,280 --> 00:23:41,439 Speaker 2: for whatever reason, doesn't want to co sign. So I 500 00:23:41,440 --> 00:23:44,160 Speaker 2: get this like frantic test from text from her, maybe 501 00:23:44,240 --> 00:23:46,520 Speaker 2: I need a co signer, please co sign my apartment. 502 00:23:46,720 --> 00:23:48,879 Speaker 2: And I'm like and this is the first time, but 503 00:23:48,920 --> 00:23:51,480 Speaker 2: I'm like, I love this is my baby, like I 504 00:23:51,520 --> 00:23:53,720 Speaker 2: love Anna to like I would do anything for her. 505 00:23:54,000 --> 00:23:56,280 Speaker 2: But I had to check myself because I was reaching 506 00:23:56,280 --> 00:23:59,800 Speaker 2: for the pen and I'm like, like, what would you 507 00:23:59,840 --> 00:24:03,720 Speaker 2: tell a brown ambition listener, Mandy, don't do it? Like, 508 00:24:03,920 --> 00:24:06,600 Speaker 2: don't do it. And I feel like this is what 509 00:24:06,640 --> 00:24:08,960 Speaker 2: happens when like your siblings or someone comes to you 510 00:24:09,680 --> 00:24:11,439 Speaker 2: and they give you those big puppy dog eyes and 511 00:24:11,480 --> 00:24:12,680 Speaker 2: ask for something like this. 512 00:24:13,480 --> 00:24:15,679 Speaker 3: And honestly, the truth is you might not even be 513 00:24:15,720 --> 00:24:16,080 Speaker 3: able to. 514 00:24:16,119 --> 00:24:20,640 Speaker 1: So I'm on Enterprise's site and Enterprise is a major 515 00:24:20,680 --> 00:24:24,400 Speaker 1: car rental company and they have on their faques can 516 00:24:24,440 --> 00:24:27,800 Speaker 1: I pay for a rental of a car for another individual? 517 00:24:28,520 --> 00:24:30,840 Speaker 1: And it says that the renter of the vehicle must 518 00:24:30,880 --> 00:24:35,200 Speaker 1: be present to sign the rental agreement and provide their 519 00:24:35,200 --> 00:24:38,720 Speaker 1: credit card at the time of pickup. The renter cannot 520 00:24:38,720 --> 00:24:42,160 Speaker 1: provide a credit card or debit card belonging to someone else. 521 00:24:42,760 --> 00:24:44,920 Speaker 1: And if you wish to pay for a rental car 522 00:24:45,160 --> 00:24:47,840 Speaker 1: but have someone else drive it, you can rent the 523 00:24:47,920 --> 00:24:50,919 Speaker 1: vehicle in your name and add them as an additional driver. 524 00:24:51,080 --> 00:24:53,760 Speaker 1: That so that is possible, yep. And in order to 525 00:24:53,760 --> 00:24:56,160 Speaker 1: add an additional driver, the driver would have to meet 526 00:24:56,520 --> 00:24:59,040 Speaker 1: all of their additional driver requirements and you just have 527 00:24:59,119 --> 00:25:02,159 Speaker 1: to figure out what that is so you can. 528 00:25:02,640 --> 00:25:04,160 Speaker 3: But you have to ask. 529 00:25:04,280 --> 00:25:07,600 Speaker 1: So my worry is that what requirements are they not? 530 00:25:07,680 --> 00:25:10,919 Speaker 1: Are they just looking for your financial support or are 531 00:25:10,920 --> 00:25:14,880 Speaker 1: there's some requirements that they're not able to. 532 00:25:13,760 --> 00:25:14,760 Speaker 3: Reach, you know? 533 00:25:14,880 --> 00:25:17,680 Speaker 1: And so I would just be nervous because if something happens, 534 00:25:18,119 --> 00:25:21,320 Speaker 1: you know, that's your your name and your you know, 535 00:25:21,400 --> 00:25:24,840 Speaker 1: potentially your money. And so the answer would be, like 536 00:25:24,880 --> 00:25:27,840 Speaker 1: if my sister asked me to rent a car, it's 537 00:25:27,880 --> 00:25:29,800 Speaker 1: hard when it's like your you know, your baby sister 538 00:25:29,800 --> 00:25:30,120 Speaker 1: and brother. 539 00:25:30,200 --> 00:25:33,119 Speaker 2: I mean, I mean a judgment call based on what 540 00:25:33,240 --> 00:25:33,920 Speaker 2: you know about them. 541 00:25:34,240 --> 00:25:36,280 Speaker 1: Yes, I was gonna say that, Like if baby Lisa 542 00:25:36,320 --> 00:25:40,359 Speaker 1: asked me, the answer is no, I love baby Lisa. 543 00:25:41,040 --> 00:25:41,560 Speaker 3: Sorryly. 544 00:25:41,880 --> 00:25:45,280 Speaker 1: But now if my sister Tracy asked me, who's two 545 00:25:45,320 --> 00:25:48,320 Speaker 1: years younger, she's super responsible, and let's just say she's like, 546 00:25:48,359 --> 00:25:49,680 Speaker 1: I just need it for a week because my car's 547 00:25:49,720 --> 00:25:50,080 Speaker 1: in the shop. 548 00:25:50,080 --> 00:25:51,240 Speaker 3: Blah blah, blah. 549 00:25:51,560 --> 00:25:54,639 Speaker 1: I might say yes because Tracy is the most responsible 550 00:25:54,640 --> 00:25:57,280 Speaker 1: well out of all of my sisters, you know, although 551 00:25:57,400 --> 00:26:00,639 Speaker 1: it's not the best idea just based upon our history, 552 00:26:00,760 --> 00:26:01,520 Speaker 1: I might say yes. 553 00:26:01,600 --> 00:26:03,679 Speaker 2: So, oh, I know what it might be. What if 554 00:26:03,680 --> 00:26:04,680 Speaker 2: they're under twenty five? 555 00:26:05,359 --> 00:26:07,879 Speaker 1: Oh well, then if they're under twenty five, then you 556 00:26:07,920 --> 00:26:09,480 Speaker 1: would want to And that's what I was thinking, That's 557 00:26:09,480 --> 00:26:13,000 Speaker 1: what it sounded like. Still, you'd want to add them 558 00:26:13,040 --> 00:26:15,200 Speaker 1: on as an additional driver, and you'd want to make 559 00:26:15,240 --> 00:26:19,040 Speaker 1: sure that they could legally drive that car because they 560 00:26:19,040 --> 00:26:22,000 Speaker 1: would have to still meet whatever requirements are required as 561 00:26:22,040 --> 00:26:22,880 Speaker 1: an additional driver. 562 00:26:23,040 --> 00:26:24,240 Speaker 3: So you'd have to fire. 563 00:26:23,960 --> 00:26:26,440 Speaker 2: Still have to show the rental agency their driver's license 564 00:26:27,400 --> 00:26:29,680 Speaker 2: at them, right, Yeah. 565 00:26:29,520 --> 00:26:31,840 Speaker 1: For sure, because I hope what they're not trying to 566 00:26:31,840 --> 00:26:33,600 Speaker 1: do is get you to rent it as as if 567 00:26:33,600 --> 00:26:35,919 Speaker 1: you're driving it and they're they're going to drive Oh no, no. 568 00:26:35,760 --> 00:26:37,520 Speaker 2: No, yeah, because you can get even more trouble for that. 569 00:26:37,920 --> 00:26:40,040 Speaker 3: What super trouble, super trouble. 570 00:26:41,840 --> 00:26:44,159 Speaker 2: Yeah, Jamisha, I'm going to support I'm gonna back you 571 00:26:44,240 --> 00:26:47,280 Speaker 2: up on this one. Hold your ground. Don't let your 572 00:26:47,280 --> 00:26:51,120 Speaker 2: shady brothers use your name. First of all, this requires 573 00:26:51,160 --> 00:26:53,080 Speaker 2: you going down to the rental agency, take a time 574 00:26:53,119 --> 00:26:55,119 Speaker 2: out of your day. I mean, this is a lot 575 00:26:55,119 --> 00:26:56,600 Speaker 2: of trouble for you. They need to get their act 576 00:26:56,640 --> 00:26:59,680 Speaker 2: together exactly. I'm kind of talking to myself and trying 577 00:26:59,680 --> 00:27:01,200 Speaker 2: to like build my because I still kind of feel 578 00:27:01,200 --> 00:27:04,159 Speaker 2: bad for saying no but tonight to baby Anna. But 579 00:27:04,240 --> 00:27:06,000 Speaker 2: I'm in the middle of the mortgage process. I can't 580 00:27:06,040 --> 00:27:09,800 Speaker 2: be co signing, you know, an apartment. And also, I mean, 581 00:27:09,840 --> 00:27:11,760 Speaker 2: if anyone have you ever been asked by like a 582 00:27:12,320 --> 00:27:15,119 Speaker 2: sibling or like a cousin or something friend to co sign? 583 00:27:16,359 --> 00:27:19,359 Speaker 1: Thank thank goodness, no now as yet, because I literally 584 00:27:19,359 --> 00:27:21,160 Speaker 1: remember that when I was in high school, my dad 585 00:27:21,200 --> 00:27:24,399 Speaker 1: sitting my sisters and I and all down forbidding us 586 00:27:24,400 --> 00:27:26,160 Speaker 1: to co sign for each other or to ask each 587 00:27:26,200 --> 00:27:28,000 Speaker 1: other to co sign and telling us why, like we 588 00:27:28,080 --> 00:27:31,439 Speaker 1: had real money lessons and so like that's never and 589 00:27:31,480 --> 00:27:34,879 Speaker 1: I don't have any cousins my age, like our age range, 590 00:27:34,960 --> 00:27:37,240 Speaker 1: so it was mostly like us growing up together, and 591 00:27:37,280 --> 00:27:40,480 Speaker 1: so we've never asked each other to uh to co 592 00:27:40,600 --> 00:27:43,960 Speaker 1: sign because we've you know, we kind of grew up 593 00:27:43,960 --> 00:27:46,240 Speaker 1: with that lesson of like my dad's like don't ask 594 00:27:46,320 --> 00:27:47,800 Speaker 1: me and don't ask your sisters. 595 00:27:47,880 --> 00:27:48,640 Speaker 3: The answer is now. 596 00:27:48,800 --> 00:27:50,879 Speaker 1: If you want to give your sister money or if 597 00:27:50,880 --> 00:27:52,960 Speaker 1: you only want to lend her money, that's another thing. 598 00:27:53,080 --> 00:27:54,960 Speaker 3: But to co sign your name, don't never do that. 599 00:27:55,760 --> 00:27:58,720 Speaker 2: And I wish everyone had your dad to like give them, 600 00:27:58,880 --> 00:28:02,320 Speaker 2: give them the talk. You know, I didn't. Yeah, I 601 00:28:02,320 --> 00:28:04,600 Speaker 2: said I should actually just talk to Anna and explain 602 00:28:04,640 --> 00:28:07,399 Speaker 2: to her more reasons, like what cosigning means, and like 603 00:28:07,480 --> 00:28:11,360 Speaker 2: why you know, why I was hesitant, and and why 604 00:28:11,400 --> 00:28:13,600 Speaker 2: she should think she should find other ways to get 605 00:28:13,600 --> 00:28:15,240 Speaker 2: that apartment. I think you can put that a bigger 606 00:28:15,320 --> 00:28:18,879 Speaker 2: deposit or or something like that, or just plead your 607 00:28:18,920 --> 00:28:22,119 Speaker 2: case because I you know, I don't know, But that 608 00:28:22,240 --> 00:28:24,320 Speaker 2: just kind of goes back to I feel like growing 609 00:28:24,400 --> 00:28:26,200 Speaker 2: up sort of always kind of getting what you want 610 00:28:26,240 --> 00:28:27,720 Speaker 2: the first time. You know, that first time when you're 611 00:28:27,760 --> 00:28:29,680 Speaker 2: like a teenager and you don't get something that you want, 612 00:28:29,720 --> 00:28:32,280 Speaker 2: like a teenager trying to be an adult. Yes, you're like, 613 00:28:32,320 --> 00:28:34,119 Speaker 2: what do you mean? I can't do this thing? But 614 00:28:34,160 --> 00:28:35,800 Speaker 2: I had an idea. I was going to, like, you know, 615 00:28:35,880 --> 00:28:39,080 Speaker 2: have my own apartment. I kind of it's hard for me, 616 00:28:39,120 --> 00:28:42,440 Speaker 2: but I want her to feel that frustration and then 617 00:28:42,440 --> 00:28:43,640 Speaker 2: find a solution on her own. 618 00:28:44,280 --> 00:28:46,800 Speaker 1: Yeah, yeah, and it's good. But like you said, it's 619 00:28:46,800 --> 00:28:47,840 Speaker 1: a great teach of a moment. 620 00:28:48,960 --> 00:28:52,640 Speaker 2: Definitely. Well. Thanks for your question, Jamisha, and good luck 621 00:28:52,720 --> 00:28:53,400 Speaker 2: with them brothers. 622 00:28:53,760 --> 00:28:55,880 Speaker 3: Yeah, Wucha, do you want to take another question? 623 00:28:56,600 --> 00:28:58,920 Speaker 2: We could give me a second. I'll find another one, 624 00:28:59,760 --> 00:29:00,360 Speaker 2: all right. 625 00:29:00,600 --> 00:29:03,120 Speaker 3: In the meantime, I'll keep you guys company. So hey, 626 00:29:03,560 --> 00:29:04,320 Speaker 3: come here often. 627 00:29:07,800 --> 00:29:10,480 Speaker 1: Oh, I'm so happy it's not been a terrible winter 628 00:29:10,800 --> 00:29:12,840 Speaker 1: in the Northeast. I mean, we've had a little snow, 629 00:29:12,880 --> 00:29:15,440 Speaker 1: a little cold, but it has not been We have 630 00:29:15,520 --> 00:29:19,600 Speaker 1: definitely have way worse winters, and so I'm glad that 631 00:29:19,760 --> 00:29:22,800 Speaker 1: although the flu season has been at its worst. 632 00:29:24,720 --> 00:29:30,600 Speaker 2: I'm just talking talking about the weather. Everyone's like, stay 633 00:29:30,640 --> 00:29:33,000 Speaker 2: with me, stay with me. I have another question. 634 00:29:33,520 --> 00:29:36,280 Speaker 3: Yeah. I was like, I'm gonna start singing in a minute. 635 00:29:36,440 --> 00:29:38,200 Speaker 2: I had to save you. So Tho's question is from 636 00:29:38,240 --> 00:29:40,960 Speaker 2: listener Wanna. She says, I was wondering if you guys 637 00:29:40,960 --> 00:29:43,520 Speaker 2: can talk about paying a car or mortgage off sooner? 638 00:29:44,040 --> 00:29:46,680 Speaker 2: Is it possible to double up on payments each year? 639 00:29:47,080 --> 00:29:48,640 Speaker 2: Thank you for your time, Wanna. 640 00:29:49,520 --> 00:29:51,440 Speaker 3: Wanna you wanna pay it all? 641 00:29:51,480 --> 00:29:53,640 Speaker 1: I know you probably hear that a lot. Sorry, what 642 00:29:54,480 --> 00:29:56,360 Speaker 1: no I was saying? Wana I was using her name like, 643 00:29:56,360 --> 00:29:57,840 Speaker 1: ah ya want to pay it off early? 644 00:29:57,920 --> 00:30:00,520 Speaker 3: Huh. But I'm sure people use her name Wana like 645 00:30:00,600 --> 00:30:01,360 Speaker 3: that all the time. 646 00:30:01,480 --> 00:30:02,080 Speaker 2: Super clever. 647 00:30:02,400 --> 00:30:05,360 Speaker 3: Yes, exactly, I'm sure she's like super original. 648 00:30:06,960 --> 00:30:09,200 Speaker 2: Good quest. I was actually just asking myself the sorry 649 00:30:09,240 --> 00:30:11,520 Speaker 2: to cut you off, Yeah, go ahead, this is good 650 00:30:11,520 --> 00:30:13,400 Speaker 2: for you, my babe, because I was because you know, 651 00:30:13,400 --> 00:30:15,760 Speaker 2: we're getting a mortgage for this house, and I was 652 00:30:15,760 --> 00:30:18,800 Speaker 2: looking at the amortization schedule. I had to practice saying 653 00:30:18,800 --> 00:30:23,400 Speaker 2: that amortization schedule and this is basically if you've heard 654 00:30:23,440 --> 00:30:26,400 Speaker 2: of this phrase before the mortgage, this is the schedule 655 00:30:26,440 --> 00:30:29,440 Speaker 2: of how much of your payments will go toward your principle, 656 00:30:29,680 --> 00:30:32,680 Speaker 2: which is your actual loan balance versus the interest that 657 00:30:32,720 --> 00:30:35,400 Speaker 2: you're paying on your loan balance over time. And I 658 00:30:35,440 --> 00:30:37,880 Speaker 2: looked up I just you know, did that there's like amateurs, 659 00:30:37,960 --> 00:30:42,960 Speaker 2: Oh god, I can't say it. Amortization calculators on the 660 00:30:43,000 --> 00:30:44,520 Speaker 2: internet that you can use and you can put in 661 00:30:44,560 --> 00:30:46,840 Speaker 2: your loan amount and it can give you an example 662 00:30:46,880 --> 00:30:50,000 Speaker 2: of what your schedule might be. And I was astounded 663 00:30:50,240 --> 00:30:52,800 Speaker 2: because banks set it up. Maybe this isn't news to everybody, 664 00:30:52,880 --> 00:30:54,360 Speaker 2: but it was like news to me to see this 665 00:30:55,520 --> 00:30:57,960 Speaker 2: that how much of your first mortgage payments, like for 666 00:30:58,000 --> 00:31:01,320 Speaker 2: the first five years go toward intra Oh my god, 667 00:31:01,520 --> 00:31:04,760 Speaker 2: I'm like, I'm going to pay how much money and interest? 668 00:31:04,840 --> 00:31:07,680 Speaker 2: And how little? I think it was. I don't even remember. 669 00:31:07,760 --> 00:31:10,120 Speaker 2: It was like it was over one hundred thousand in 670 00:31:10,280 --> 00:31:12,760 Speaker 2: interest and less than one hundred, like less than fifty 671 00:31:12,760 --> 00:31:15,600 Speaker 2: thousand in principal payments in the first five years. I 672 00:31:15,760 --> 00:31:19,360 Speaker 2: was like, oh nah, So naturally, I'm like, how do 673 00:31:19,440 --> 00:31:24,520 Speaker 2: I avoid this? And you can make additional principal payments 674 00:31:24,520 --> 00:31:27,960 Speaker 2: on your mortgage. There's typically I mean, I haven't gotten 675 00:31:27,960 --> 00:31:30,120 Speaker 2: my first mortgage bill yet, but I've read that there's 676 00:31:30,120 --> 00:31:33,000 Speaker 2: typically a box you can check when you're paying your 677 00:31:33,000 --> 00:31:35,560 Speaker 2: bill online or even I don't even know if people 678 00:31:35,560 --> 00:31:37,480 Speaker 2: mail checks anymore, but online you should be able to 679 00:31:37,520 --> 00:31:40,840 Speaker 2: say I want to make an additional principal payment and 680 00:31:40,880 --> 00:31:43,080 Speaker 2: make sure you check that box and submit a payment 681 00:31:43,120 --> 00:31:46,280 Speaker 2: toward your principle whenever you want. I think there's no 682 00:31:47,360 --> 00:31:50,560 Speaker 2: unless your mortgage loan has some sort of pre payment penalty, 683 00:31:50,600 --> 00:31:53,360 Speaker 2: which is a thing lenders can do penalize you for 684 00:31:53,400 --> 00:31:55,920 Speaker 2: paying your loan off early, which is shisty to the 685 00:31:56,000 --> 00:31:59,880 Speaker 2: ninth degree. Nth degree. Yeah, so just keep that in. 686 00:32:00,200 --> 00:32:03,640 Speaker 2: But yeah, you can totally pay your make additional payments 687 00:32:03,680 --> 00:32:05,239 Speaker 2: towards a loan, and you don't have to do it 688 00:32:05,280 --> 00:32:07,200 Speaker 2: just once a year, I think she said, doubling up 689 00:32:07,240 --> 00:32:09,440 Speaker 2: on payments once a year. No, you can. You can 690 00:32:09,480 --> 00:32:11,400 Speaker 2: double up once a month. You can take an extra 691 00:32:11,480 --> 00:32:14,640 Speaker 2: fifty dollars that you get from you know, doing something 692 00:32:14,640 --> 00:32:16,520 Speaker 2: like getting a rebate or something and put it towards 693 00:32:16,520 --> 00:32:20,920 Speaker 2: your mortgage. And I'm thinking, I'm like already strategizing, how 694 00:32:21,000 --> 00:32:25,200 Speaker 2: can I beat this memortization schedule? Because nah, like how. 695 00:32:25,920 --> 00:32:29,320 Speaker 3: I can't go out like that? No, it's true. Yeah, 696 00:32:29,560 --> 00:32:31,560 Speaker 3: and be just be more mindful. 697 00:32:31,560 --> 00:32:33,840 Speaker 1: So Mandy said everything that I would say, I want 698 00:32:33,840 --> 00:32:35,840 Speaker 1: you to just be more mindful, because she said car 699 00:32:35,880 --> 00:32:39,640 Speaker 1: and home that you're more likely to find if you're 700 00:32:39,640 --> 00:32:43,480 Speaker 1: financing a car, you're more likely to find that they 701 00:32:43,560 --> 00:32:46,440 Speaker 1: have that pre payment, that you're not able to make 702 00:32:46,480 --> 00:32:48,040 Speaker 1: a pre payment, because I've seen a lot of people 703 00:32:48,160 --> 00:32:52,920 Speaker 1: not really read their finance contract when they when they 704 00:32:52,960 --> 00:32:55,800 Speaker 1: finance a car, should just be really careful about that. 705 00:32:55,960 --> 00:32:59,640 Speaker 1: Like homes these days, they typically don't have that. But 706 00:33:00,040 --> 00:33:02,800 Speaker 1: obviously you want to ask that question like, well, am 707 00:33:02,800 --> 00:33:06,080 Speaker 1: I able to prepay this mortgage and the car? The 708 00:33:06,120 --> 00:33:08,440 Speaker 1: best thing to do, truthfully is to bring your own 709 00:33:08,440 --> 00:33:11,800 Speaker 1: financing from like your own bank or even better credit union, 710 00:33:11,880 --> 00:33:13,440 Speaker 1: so you know everything. And you're like, no, no, I 711 00:33:13,480 --> 00:33:15,560 Speaker 1: actually came with my own I don't you don't have 712 00:33:15,560 --> 00:33:20,000 Speaker 1: to worry about that. Yeah, no, I think did you 713 00:33:20,080 --> 00:33:21,760 Speaker 1: see that? More and more, I don't know if you've 714 00:33:21,760 --> 00:33:24,640 Speaker 1: seen this. This is in alignment with home buying, Like 715 00:33:24,680 --> 00:33:26,560 Speaker 1: I've been seeing more and more videos, like the guy 716 00:33:26,600 --> 00:33:29,040 Speaker 1: from Shark Tank said this. Another guy said this, that 717 00:33:29,080 --> 00:33:32,280 Speaker 1: they're really telling people not to buy homes. 718 00:33:33,320 --> 00:33:35,960 Speaker 2: What do you mean like on the so. 719 00:33:36,000 --> 00:33:37,880 Speaker 1: Just saying like I was watching the guy I don't 720 00:33:37,920 --> 00:33:40,880 Speaker 1: remember his name, but the bald guy from shark Tank 721 00:33:41,400 --> 00:33:44,479 Speaker 1: was like, unless you're married with kids, he does not 722 00:33:44,480 --> 00:33:45,520 Speaker 1: suggest you buy a home. 723 00:33:46,320 --> 00:33:48,239 Speaker 3: And his name is Kevin. I think his name is. 724 00:33:48,360 --> 00:33:49,920 Speaker 2: Oh the guy from Fubu. 725 00:33:50,520 --> 00:33:53,640 Speaker 3: No no, no, no, no. 726 00:33:51,960 --> 00:33:55,560 Speaker 2: Not mister wonderful, mister wonderful. Yeah yeah, by the old guy. 727 00:33:55,880 --> 00:33:58,240 Speaker 3: Yeah, the old guy. Yeah, it's before him. 728 00:33:58,320 --> 00:34:00,640 Speaker 1: He's like some probably multi billionaire and there made all 729 00:34:00,680 --> 00:34:02,640 Speaker 1: these great moves and we're like he's relegated to the 730 00:34:02,720 --> 00:34:07,160 Speaker 1: old guy on the shark pit, so he was saying that. 731 00:34:07,280 --> 00:34:09,319 Speaker 1: But that's not the first time, Like I've been seeing 732 00:34:09,400 --> 00:34:11,200 Speaker 1: it more and more pop up as I read, like 733 00:34:11,440 --> 00:34:13,440 Speaker 1: I like to read like a lot of like financial 734 00:34:13,520 --> 00:34:17,359 Speaker 1: like articles and magazines and stuff. And really they've been 735 00:34:17,400 --> 00:34:20,120 Speaker 1: talking about and even now with the new tax plan, 736 00:34:20,680 --> 00:34:26,640 Speaker 1: how like that your your your standard deductions are going 737 00:34:26,719 --> 00:34:30,120 Speaker 1: to actually outpace what you'd get if you would itemize 738 00:34:30,160 --> 00:34:33,279 Speaker 1: your income tax. I'm not your income tax, your your 739 00:34:33,400 --> 00:34:35,760 Speaker 1: your mortgage tax, and so. 740 00:34:37,280 --> 00:34:39,600 Speaker 3: Yes, thank you. I'm like, come on on that. 741 00:34:39,680 --> 00:34:42,239 Speaker 2: I'm here, I'm with the layup. I got to you 742 00:34:42,280 --> 00:34:44,080 Speaker 2: knows the finish line. 743 00:34:44,520 --> 00:34:45,720 Speaker 3: And so I'm just like wow. 744 00:34:45,880 --> 00:34:48,960 Speaker 1: So it's it's it's a weird not by house movement 745 00:34:49,000 --> 00:34:54,480 Speaker 1: that seems to be brewing, and I don't necessarily to me, 746 00:34:54,560 --> 00:34:58,399 Speaker 1: there's benefits obviously to both, but I'm just wondering why 747 00:34:58,480 --> 00:35:00,399 Speaker 1: that's happening. Why people are telling you not to buy 748 00:35:00,400 --> 00:35:04,880 Speaker 1: a home and that renting is better unless you have like, 749 00:35:04,960 --> 00:35:06,680 Speaker 1: you know, like a family. 750 00:35:07,280 --> 00:35:09,759 Speaker 2: Yeah, I've actually been, you know, because I started So 751 00:35:09,800 --> 00:35:13,120 Speaker 2: it's funny, not funny, but I started covering personal finance 752 00:35:13,120 --> 00:35:17,279 Speaker 2: as a journalist in twenty ten, right at the you know, 753 00:35:17,360 --> 00:35:20,120 Speaker 2: the the economy was kind of like falling apart, and 754 00:35:20,160 --> 00:35:23,600 Speaker 2: the housing crisis obviously had already happened and was dragging 755 00:35:23,600 --> 00:35:26,279 Speaker 2: people down, you know, for years to come after that. 756 00:35:27,600 --> 00:35:30,279 Speaker 2: And at the time, there was this huge movement, you know, 757 00:35:30,480 --> 00:35:32,960 Speaker 2: the idea of the American dream being get a house, 758 00:35:33,080 --> 00:35:35,560 Speaker 2: you know, with the backyard and the picket fence and 759 00:35:35,600 --> 00:35:37,600 Speaker 2: all that kind of stuff. There were you know, a 760 00:35:37,640 --> 00:35:40,320 Speaker 2: ton of articles being written back then about how that 761 00:35:40,400 --> 00:35:43,200 Speaker 2: dream has been destroyed by this housing crisis and ever 762 00:35:43,239 --> 00:35:45,880 Speaker 2: since then that, I mean, the most common one of 763 00:35:45,920 --> 00:35:48,560 Speaker 2: the most common headlines I've written and seen in personal 764 00:35:48,560 --> 00:35:51,080 Speaker 2: finance news is buy versus rent? When does it make sense? 765 00:35:51,200 --> 00:35:51,480 Speaker 3: Was it not? 766 00:35:51,560 --> 00:35:54,600 Speaker 2: When does it not make sense? And I think and 767 00:35:54,640 --> 00:35:57,600 Speaker 2: also among millennials, the idea of buying a house. This 768 00:35:57,640 --> 00:35:59,719 Speaker 2: is why I struggle with it for so long. And 769 00:36:00,120 --> 00:36:02,840 Speaker 2: you know, I really resisted my husband, who wanted to 770 00:36:02,840 --> 00:36:06,400 Speaker 2: buy a house. I kept saying, why why throw all 771 00:36:06,440 --> 00:36:08,960 Speaker 2: this money into a you know, a house that could 772 00:36:09,160 --> 00:36:13,080 Speaker 2: any day now be worth nothing? Why do that to ourselves? 773 00:36:13,080 --> 00:36:16,280 Speaker 2: And also renting is you know, so much more freeing, 774 00:36:16,480 --> 00:36:20,040 Speaker 2: Like we don't have to worry about maintenance or you know, 775 00:36:20,880 --> 00:36:24,080 Speaker 2: just that's actually just it maintenance, you know, pipes that 776 00:36:24,080 --> 00:36:27,000 Speaker 2: are bursting, and all the responsibilities that go with home ownership. 777 00:36:27,040 --> 00:36:30,000 Speaker 2: Like there's I've definitely heard this argument, and I think 778 00:36:30,080 --> 00:36:33,280 Speaker 2: what's I think what's making it like maybe a little 779 00:36:33,280 --> 00:36:36,520 Speaker 2: bit more common now is the fact that we are 780 00:36:36,520 --> 00:36:38,920 Speaker 2: in a very like we're the market is going up, 781 00:36:38,960 --> 00:36:41,040 Speaker 2: I mean not just going up, but the housing market 782 00:36:41,080 --> 00:36:44,520 Speaker 2: is insane that the supply of housing, the supply of 783 00:36:44,600 --> 00:36:49,080 Speaker 2: houses is so not keeping pace with demand that that's 784 00:36:49,120 --> 00:36:51,959 Speaker 2: why housing values are just going insanely high right now, 785 00:36:52,000 --> 00:36:55,000 Speaker 2: Like in Atlanta, for example. Atlanta is one of these cities. 786 00:36:55,280 --> 00:36:57,360 Speaker 2: You know, we we just did a study of competitive 787 00:36:57,360 --> 00:37:00,279 Speaker 2: housing markets and Atlanta is one of those cities. I've 788 00:37:00,280 --> 00:37:03,160 Speaker 2: been looking at. My brother just bought there where I'm wondering, 789 00:37:03,200 --> 00:37:05,719 Speaker 2: are is there like a mini housing bubble happening in 790 00:37:05,760 --> 00:37:09,160 Speaker 2: Atlanta and these other cities where people are just like 791 00:37:09,280 --> 00:37:12,640 Speaker 2: rushing to buy houses and it's driving up prices because 792 00:37:12,640 --> 00:37:16,080 Speaker 2: there's not enough inventory. And I actually asked my buddy 793 00:37:16,120 --> 00:37:20,320 Speaker 2: Tenda are chief Economists about this, and he explained the 794 00:37:20,360 --> 00:37:23,000 Speaker 2: whole the reason sort of why we have this lack 795 00:37:23,040 --> 00:37:27,360 Speaker 2: of supply and why that's driving housing prices so high, 796 00:37:27,400 --> 00:37:29,319 Speaker 2: and he explained, and it makes a lot of sense. So, 797 00:37:29,560 --> 00:37:32,600 Speaker 2: you know, leading up to the recession, you saw a 798 00:37:32,680 --> 00:37:36,880 Speaker 2: ton of people building developments and speculating and buying up 799 00:37:36,920 --> 00:37:40,279 Speaker 2: homes and buying up lots of land to build houses on. 800 00:37:40,360 --> 00:37:43,320 Speaker 2: You know, all these developers, all these construction companies building 801 00:37:43,360 --> 00:37:45,440 Speaker 2: these developments. And then the housing crash happened and there 802 00:37:45,480 --> 00:37:49,040 Speaker 2: was all these empty houses, never sold. People lost jillions 803 00:37:49,040 --> 00:37:51,800 Speaker 2: of billions of dollars, and so there was this fear 804 00:37:52,000 --> 00:37:55,120 Speaker 2: around the same thing happening again. So people weren't building 805 00:37:55,120 --> 00:37:59,640 Speaker 2: as many homes, and so there just isn't naturally enough 806 00:37:59,680 --> 00:38:03,120 Speaker 2: home now to meet demand in every city. Some cities 807 00:38:03,160 --> 00:38:05,040 Speaker 2: it's not that bad. Some cities it's way worse. New 808 00:38:05,120 --> 00:38:06,840 Speaker 2: York City is ridiculous right now. 809 00:38:06,960 --> 00:38:07,560 Speaker 3: Ridiculous. 810 00:38:07,680 --> 00:38:11,640 Speaker 2: Yeah, So there's this artificial price increase that's happening just 811 00:38:11,680 --> 00:38:15,799 Speaker 2: because of natural supply versus demand. Okay, And actually, my 812 00:38:15,880 --> 00:38:18,840 Speaker 2: financial planner, when we talked to her last week, I 813 00:38:18,880 --> 00:38:21,279 Speaker 2: needed someone to tell me that I was not making 814 00:38:21,320 --> 00:38:23,799 Speaker 2: an insane choice because I was worried about it too. 815 00:38:23,840 --> 00:38:26,040 Speaker 2: You know, it is a hot market and I was 816 00:38:26,080 --> 00:38:27,840 Speaker 2: looking at I mean, if you look at if you 817 00:38:27,840 --> 00:38:30,000 Speaker 2: go to Zillo or Trulyia or realtor dot com, and 818 00:38:30,040 --> 00:38:33,239 Speaker 2: you can look at housing values in your neighborhood over 819 00:38:33,280 --> 00:38:37,160 Speaker 2: the last you know, ten years, and across the board. 820 00:38:37,200 --> 00:38:41,399 Speaker 2: What I've seen is this very big dip around two 821 00:38:41,400 --> 00:38:44,759 Speaker 2: thousand and eight twenty twelve, and then this huge incline 822 00:38:44,840 --> 00:38:46,840 Speaker 2: since then. And I was like, damn, I wish I 823 00:38:46,840 --> 00:38:48,439 Speaker 2: could have bought during the dip. 824 00:38:48,600 --> 00:38:50,360 Speaker 3: Yeah, And I thought like that. 825 00:38:50,480 --> 00:38:55,120 Speaker 1: Yet when I was stalking like Zillo and Trulyia and 826 00:38:55,200 --> 00:38:57,840 Speaker 1: Realtor dot Com, I remember looking like, ah, man, I 827 00:38:57,840 --> 00:39:00,520 Speaker 1: could have got the same house for like twenty thousand 828 00:39:00,560 --> 00:39:02,280 Speaker 1: dollars less as I was looking. 829 00:39:02,880 --> 00:39:04,560 Speaker 2: But at the end of the so one of the 830 00:39:04,600 --> 00:39:06,759 Speaker 2: things that I did with my planner and I'm glad 831 00:39:06,760 --> 00:39:08,719 Speaker 2: she asked that. She what she said is, you know, 832 00:39:08,719 --> 00:39:10,440 Speaker 2: I think you guys are thinking about this. You know, 833 00:39:10,480 --> 00:39:12,440 Speaker 2: you have a you have a healthy size down payment. 834 00:39:12,800 --> 00:39:15,000 Speaker 2: I think you're thinking things through. But I am concerned 835 00:39:15,040 --> 00:39:17,160 Speaker 2: because you're buying at the height of the market. And 836 00:39:17,680 --> 00:39:20,120 Speaker 2: together we looked at housing values where we were, the 837 00:39:20,160 --> 00:39:23,400 Speaker 2: county where we're buying, specifically the county where we're buying, 838 00:39:23,680 --> 00:39:28,680 Speaker 2: and the house that we're getting is one hundred thousand dollars. 839 00:39:28,719 --> 00:39:32,239 Speaker 2: I don't know what percentage it is lower less. The 840 00:39:32,280 --> 00:39:36,239 Speaker 2: sales price is about one hundred thousand dollars less than 841 00:39:36,280 --> 00:39:40,720 Speaker 2: the average sales price of a comparable home in this county, Okay. 842 00:39:41,239 --> 00:39:43,160 Speaker 2: And like I said, I got very fortunate. I'm just 843 00:39:43,280 --> 00:39:46,520 Speaker 2: I'm just explaining my thought process because I think, you know, 844 00:39:46,560 --> 00:39:48,600 Speaker 2: I think everyone situation is different. But here's why I 845 00:39:48,600 --> 00:39:51,120 Speaker 2: thought it was a good deal for us. One, the 846 00:39:51,520 --> 00:39:55,360 Speaker 2: it's right place for us for our commute and our lifestyles. Two, 847 00:39:55,440 --> 00:39:57,880 Speaker 2: we're getting it because the couple who's selling the house 848 00:39:57,960 --> 00:40:01,560 Speaker 2: are really eager to retire there eager to sell. We 849 00:40:01,560 --> 00:40:03,759 Speaker 2: were fortunate to even find this house on a whim 850 00:40:03,800 --> 00:40:07,640 Speaker 2: by checking the Zillo app and they slash the price 851 00:40:07,800 --> 00:40:09,640 Speaker 2: because of how eager they are. So we're getting it 852 00:40:09,760 --> 00:40:14,040 Speaker 2: under market value, significant only undermarket value. And I actually 853 00:40:14,040 --> 00:40:16,720 Speaker 2: went back and I looked at where the housing prices 854 00:40:16,719 --> 00:40:18,680 Speaker 2: in this neighborhood were at the bottom of the market 855 00:40:18,719 --> 00:40:20,799 Speaker 2: in twenty twelve, that's when the bottom was for the 856 00:40:20,840 --> 00:40:24,360 Speaker 2: county we're purchasing in. And the house is only slightly 857 00:40:24,400 --> 00:40:27,440 Speaker 2: more than it was than the average or the media 858 00:40:27,440 --> 00:40:30,279 Speaker 2: and whatever it is sales price of a comparable home 859 00:40:30,760 --> 00:40:33,640 Speaker 2: in twenty twelve, and I recommend if you're thinking about 860 00:40:33,640 --> 00:40:35,520 Speaker 2: buying and you want to know is this market is 861 00:40:35,520 --> 00:40:38,080 Speaker 2: this a bubble? I would go back and see, you know, 862 00:40:38,160 --> 00:40:40,759 Speaker 2: definitely look at the comps. You might hear that if 863 00:40:40,760 --> 00:40:44,160 Speaker 2: you'd like watch any HGTV shows, but like, see what 864 00:40:44,400 --> 00:40:47,520 Speaker 2: a comparable house meaning, like single family, how many bedrooms, 865 00:40:47,560 --> 00:40:50,640 Speaker 2: how many bath in the same zip code, same city 866 00:40:50,719 --> 00:40:53,719 Speaker 2: or whatever town county is selling for and then you 867 00:40:53,760 --> 00:40:56,440 Speaker 2: might get a better idea if you are if you're 868 00:40:56,440 --> 00:40:59,840 Speaker 2: really buying the tip of a potential bubble or whatever. 869 00:41:01,160 --> 00:41:03,160 Speaker 1: And as the key is, you want to like if 870 00:41:03,480 --> 00:41:07,760 Speaker 1: like Mandy and I are buying in, we're thinking like investors, 871 00:41:08,040 --> 00:41:12,000 Speaker 1: and so even though we're gonna live in these homes, 872 00:41:12,239 --> 00:41:15,279 Speaker 1: you still want to think of your house as an investment. 873 00:41:15,760 --> 00:41:18,600 Speaker 1: And so like I, you know, I'm so glad that 874 00:41:18,680 --> 00:41:22,640 Speaker 1: I got outbid on the other homes, because honestly, they 875 00:41:22,680 --> 00:41:25,600 Speaker 1: were the houses the help. The homes that I didn't 876 00:41:25,600 --> 00:41:28,480 Speaker 1: get were really super inflated because they would be listed 877 00:41:28,520 --> 00:41:31,480 Speaker 1: for two hundred maybe two hundred and twenty thousand, and 878 00:41:31,520 --> 00:41:35,680 Speaker 1: then go for sixty two eighty two weeks later. And 879 00:41:35,760 --> 00:41:38,000 Speaker 1: so if I would have gotten one of those homes, 880 00:41:38,040 --> 00:41:42,239 Speaker 1: who knows if once the housing markets markets settled down 881 00:41:42,239 --> 00:41:46,120 Speaker 1: in Newark, if I was if I overpaid. Whereas now 882 00:41:47,040 --> 00:41:49,239 Speaker 1: with this house that we're getting, because it's a foreclosure 883 00:41:49,560 --> 00:41:52,560 Speaker 1: and the house and the copperper houses in the neighborhood 884 00:41:52,600 --> 00:41:55,840 Speaker 1: are worth three sixty this house is worth three sixty 885 00:41:55,920 --> 00:41:58,160 Speaker 1: six at its current state. Me getting it for one 886 00:41:58,320 --> 00:42:01,200 Speaker 1: eighty guarantees, it's like, I mean, it would have to 887 00:42:01,280 --> 00:42:04,520 Speaker 1: drop so significantly in order for this not to be 888 00:42:04,560 --> 00:42:07,000 Speaker 1: a good deal, even with us gonna put like we're 889 00:42:07,000 --> 00:42:09,000 Speaker 1: gonna put maybe like up to fifty thousand dollars worth 890 00:42:09,040 --> 00:42:11,000 Speaker 1: of work into the house to get like the bathroom 891 00:42:11,040 --> 00:42:13,799 Speaker 1: in the kitchen that I want. And so even with that, 892 00:42:14,080 --> 00:42:16,840 Speaker 1: we still come out on top. So if you're buying 893 00:42:16,840 --> 00:42:19,360 Speaker 1: a home to live in, to still think about it 894 00:42:19,400 --> 00:42:22,839 Speaker 1: as a as an investment, like you know, like Mandy said, 895 00:42:22,880 --> 00:42:25,839 Speaker 1: she did her due diligence to say, Okay, despite us 896 00:42:25,880 --> 00:42:28,279 Speaker 1: buying like during a time when we're at the top 897 00:42:28,320 --> 00:42:32,200 Speaker 1: of the housing market, this house is still a good buy, yep. 898 00:42:32,560 --> 00:42:35,640 Speaker 2: And and you know, investment not in the sense that oh, 899 00:42:35,640 --> 00:42:37,480 Speaker 2: I'm gonna this is gonna be my nest egg one year. 900 00:42:37,840 --> 00:42:39,440 Speaker 2: You know, I feel bad for the couple because this 901 00:42:39,600 --> 00:42:41,560 Speaker 2: really you can tell this is their nest egg. You know, 902 00:42:41,600 --> 00:42:43,680 Speaker 2: they bought this house in seventy nine for forty five 903 00:42:43,680 --> 00:42:46,879 Speaker 2: thousand dollars. You know, they've made a ton of money, 904 00:42:46,920 --> 00:42:49,680 Speaker 2: but this is their retirement. And I, you know, and 905 00:42:51,040 --> 00:42:53,319 Speaker 2: I understand why they want to why they want to sell. Now. 906 00:42:53,360 --> 00:42:55,880 Speaker 2: It's great seller's market, you know, there's tons of hours, 907 00:42:56,520 --> 00:42:58,640 Speaker 2: but I'm not thinking that way. I really do. I 908 00:42:58,760 --> 00:43:01,880 Speaker 2: just want to not lose money on this house. I 909 00:43:01,880 --> 00:43:03,279 Speaker 2: don't want to lose a lot of money in this house. 910 00:43:03,480 --> 00:43:03,759 Speaker 3: You're not. 911 00:43:04,600 --> 00:43:06,920 Speaker 2: But it's also you know, another thing is you know 912 00:43:06,960 --> 00:43:09,120 Speaker 2: the you know, I don't know if well you bought 913 00:43:09,239 --> 00:43:11,880 Speaker 2: you paid for your house in cash. Most people use 914 00:43:11,920 --> 00:43:14,080 Speaker 2: a mortgage. And the mortgage lender I was, you know, 915 00:43:14,080 --> 00:43:16,320 Speaker 2: I've interviewed, like I felt like I was interviewing. I 916 00:43:16,360 --> 00:43:18,560 Speaker 2: really was interviewing three different lenders to see what they 917 00:43:18,560 --> 00:43:20,680 Speaker 2: had on offer. And they'd be like, oh, you can 918 00:43:20,719 --> 00:43:22,680 Speaker 2: qualify r way more than this, don't you worry. You're like, 919 00:43:22,680 --> 00:43:24,920 Speaker 2: we can get you up to this, and I'm like, no, no, no, no, no, 920 00:43:25,040 --> 00:43:28,040 Speaker 2: here's what I want. I don't want that. I want 921 00:43:28,120 --> 00:43:30,200 Speaker 2: half of that. This is how much I need to 922 00:43:30,280 --> 00:43:32,560 Speaker 2: loan for because I do not want my expenses to 923 00:43:32,560 --> 00:43:34,480 Speaker 2: be any higher than they are right now as I'm renting, 924 00:43:34,880 --> 00:43:38,440 Speaker 2: and that's been my goal and I'm so far. I mean, 925 00:43:38,480 --> 00:43:42,000 Speaker 2: I really had to put a roof a ceiling on 926 00:43:42,000 --> 00:43:46,440 Speaker 2: my own budget, and with my budget, we really weren't 927 00:43:46,440 --> 00:43:48,279 Speaker 2: supposed to be able to get a house. It's only 928 00:43:48,320 --> 00:43:51,040 Speaker 2: because we got this deal. We saw happened to see this, 929 00:43:51,239 --> 00:43:53,759 Speaker 2: you know, this house right when it sort of hit 930 00:43:53,840 --> 00:43:56,120 Speaker 2: the market, that we were able to get it because 931 00:43:56,160 --> 00:43:58,759 Speaker 2: I and thank god, they like us enough. I mean, 932 00:43:58,760 --> 00:44:00,719 Speaker 2: who knows not gone a million pieces of wood because 933 00:44:00,719 --> 00:44:03,319 Speaker 2: we're still in contract. I know, anybody can come and 934 00:44:03,360 --> 00:44:06,400 Speaker 2: outfit us. You know, anybody could you know, I'm going 935 00:44:06,440 --> 00:44:09,840 Speaker 2: to knock on all the wood, all of it. But 936 00:44:10,520 --> 00:44:12,600 Speaker 2: you know, that's that's I think that's you know, if 937 00:44:12,600 --> 00:44:15,120 Speaker 2: you're thinking about buying, definitely don't get caught up in 938 00:44:15,120 --> 00:44:17,560 Speaker 2: the emotion of it, or oh, Mandy and Tiffany are 939 00:44:17,600 --> 00:44:19,520 Speaker 2: buying a house, like and my cousin just bought a 940 00:44:19,520 --> 00:44:21,000 Speaker 2: house and I should buy a house, and you really 941 00:44:21,040 --> 00:44:24,200 Speaker 2: have to look at your own situation and where you're 942 00:44:24,239 --> 00:44:25,920 Speaker 2: buying and what's happening in your market and what you 943 00:44:25,960 --> 00:44:29,600 Speaker 2: can afford. Because, Yeah, if anything positive came from the 944 00:44:29,640 --> 00:44:32,000 Speaker 2: housing crisis, I think it was that breakdown of this 945 00:44:32,200 --> 00:44:34,080 Speaker 2: myth that you need a home. You need a house 946 00:44:34,080 --> 00:44:36,840 Speaker 2: to be successful or to be seen as successful. No, 947 00:44:37,040 --> 00:44:39,359 Speaker 2: you just need a high you know, a positive net 948 00:44:39,400 --> 00:44:41,000 Speaker 2: worth and exactly. 949 00:44:40,640 --> 00:44:41,080 Speaker 1: What you're doing. 950 00:44:41,160 --> 00:44:42,920 Speaker 3: I got my home, I thought I was so grown 951 00:44:42,960 --> 00:44:43,400 Speaker 3: and cute. 952 00:44:43,600 --> 00:44:47,839 Speaker 1: I said, I'm twenty five, kindo with the house, kind 953 00:44:47,880 --> 00:44:50,279 Speaker 1: of a check me out, and then a few years later, 954 00:44:50,480 --> 00:44:54,319 Speaker 1: I'm twenty five with a closure twenty nine. 955 00:44:55,040 --> 00:44:56,680 Speaker 3: It's that grand opening, grand clothing. 956 00:44:56,800 --> 00:45:00,200 Speaker 1: So yes, if I could talk to that Tiffany back then, 957 00:45:00,760 --> 00:45:03,440 Speaker 1: I had like forty thousand dollars saves, I could have 958 00:45:03,560 --> 00:45:07,319 Speaker 1: invested and done something different, And yeah, there was just 959 00:45:07,360 --> 00:45:09,719 Speaker 1: a lot I didn't know. So definitely buying a house 960 00:45:09,880 --> 00:45:13,560 Speaker 1: is not the cure all. Anytime you're spending a lot 961 00:45:13,600 --> 00:45:15,359 Speaker 1: of money, you just want to be mindful that you're 962 00:45:15,400 --> 00:45:19,200 Speaker 1: adding to your lifestyle and you're adding to your net worth. 963 00:45:20,200 --> 00:45:22,000 Speaker 2: Yeah, I'll let you know how it all works out. 964 00:45:22,719 --> 00:45:25,439 Speaker 1: Yeah, we're rooting for you so hopefully, Like I said, 965 00:45:25,719 --> 00:45:29,719 Speaker 1: May nineteenth, it's our closing date, which is just you know, 966 00:45:30,000 --> 00:45:31,960 Speaker 1: we've been through a lot, like we've been through a 967 00:45:31,960 --> 00:45:33,240 Speaker 1: lot with this you have. 968 00:45:33,239 --> 00:45:35,920 Speaker 2: And I'm in that mode where I'm like, something's gonna happen. 969 00:45:36,480 --> 00:45:37,560 Speaker 3: No, don't claim it. 970 00:45:37,600 --> 00:45:41,040 Speaker 1: You guys have, you gonna have smooth sailing. It's gonna 971 00:45:41,080 --> 00:45:43,759 Speaker 1: be great. Like I told myself, even if the bank 972 00:45:43,760 --> 00:45:45,520 Speaker 1: doesn't clean out the house that they promised, because that's 973 00:45:45,520 --> 00:45:47,520 Speaker 1: what we're waiting on now, then the good thing is 974 00:45:47,520 --> 00:45:50,080 Speaker 1: we have all the paperwork. We'll just close because we've 975 00:45:50,160 --> 00:45:53,520 Speaker 1: got the closing agent and they have all the paper 976 00:45:53,520 --> 00:45:55,239 Speaker 1: where we can close today. That's the only reason why 977 00:45:55,239 --> 00:45:57,600 Speaker 1: I feel really confident is that we can close today 978 00:45:57,640 --> 00:46:00,560 Speaker 1: where we are. But you know, they promised to clean 979 00:46:00,600 --> 00:46:02,600 Speaker 1: out the house, and honestly, it'd be a few hundred dollars, 980 00:46:02,680 --> 00:46:06,200 Speaker 1: if not a thousand or so plus dollars to rent 981 00:46:06,200 --> 00:46:07,800 Speaker 1: the dumpster and all that stuff to get rid of 982 00:46:07,880 --> 00:46:09,839 Speaker 1: all the crap in the house. So I much rather 983 00:46:09,960 --> 00:46:12,680 Speaker 1: be patient and let them take care of it. But 984 00:46:13,440 --> 00:46:15,400 Speaker 1: they promised a month ago, so this is like their 985 00:46:15,480 --> 00:46:16,200 Speaker 1: last month. 986 00:46:16,040 --> 00:46:17,520 Speaker 3: To kind of get it together. 987 00:46:18,080 --> 00:46:20,319 Speaker 1: Yeah, and if not I just told super Man, let's 988 00:46:20,360 --> 00:46:22,560 Speaker 1: just whatever if that's what it takes. I mean, we'll 989 00:46:22,600 --> 00:46:24,520 Speaker 1: just get our friends together to help us out, because 990 00:46:24,520 --> 00:46:25,920 Speaker 1: I just don't want to wait forever, you know. 991 00:46:26,880 --> 00:46:29,799 Speaker 2: Yeah, so yeah, oh, one one quick thing I didn't mention. 992 00:46:30,280 --> 00:46:32,160 Speaker 2: I actually, you know, one of the reasons I talked 993 00:46:32,160 --> 00:46:34,400 Speaker 2: about on the show. It's an early stage. You might 994 00:46:34,400 --> 00:46:36,239 Speaker 2: be wondering, why is she talking about it out loud, 995 00:46:36,280 --> 00:46:38,160 Speaker 2: like what if something happens, you know, to be terrible 996 00:46:38,400 --> 00:46:41,319 Speaker 2: that it falls through. But I'm so I'm kind of 997 00:46:41,360 --> 00:46:44,200 Speaker 2: like so fascinated by the whole mortgage lending process itself 998 00:46:44,200 --> 00:46:46,480 Speaker 2: because I've written about it for so long and now 999 00:46:46,520 --> 00:46:49,040 Speaker 2: I'm living it, and I'm really excited to be able 1000 00:46:49,080 --> 00:46:53,279 Speaker 2: to share some some like actual first person experience with this, 1001 00:46:53,400 --> 00:46:55,879 Speaker 2: with this shadiness, like the like the one thing I'm 1002 00:46:55,920 --> 00:46:59,520 Speaker 2: excited slash nervous about is so we've put in our 1003 00:46:59,640 --> 00:47:02,440 Speaker 2: We've got and pre approved for a loan from different lenders. 1004 00:47:02,440 --> 00:47:07,200 Speaker 2: We chose our lender. You'll be excited. It's ally they 1005 00:47:07,200 --> 00:47:12,319 Speaker 2: do mortgages and their customer service is great. So so 1006 00:47:12,760 --> 00:47:16,160 Speaker 2: we've gotten approved, we're in contract, but the lender now 1007 00:47:16,280 --> 00:47:18,480 Speaker 2: is going to do an appraisal. And this is one 1008 00:47:18,480 --> 00:47:20,480 Speaker 2: thing to keep in mind when you're buying at market. 1009 00:47:21,160 --> 00:47:23,200 Speaker 2: So the bidding wars are happening, you know, you're putting 1010 00:47:23,200 --> 00:47:25,160 Speaker 2: in a higher offer. We didn't get into any you know, 1011 00:47:25,440 --> 00:47:27,520 Speaker 2: a serious bidding war. What was I going to say? Oh, 1012 00:47:27,520 --> 00:47:30,080 Speaker 2: the appraisal. So I was I'm worried. I was a 1013 00:47:30,080 --> 00:47:31,880 Speaker 2: little bit worried. I'm like, Okay, what if the appraisal 1014 00:47:31,920 --> 00:47:34,080 Speaker 2: comes in. You know, the bank wants to know that 1015 00:47:34,120 --> 00:47:36,080 Speaker 2: if they give you this loan, that they will be 1016 00:47:36,120 --> 00:47:38,200 Speaker 2: able to recoup it if something happens right, So that's 1017 00:47:38,200 --> 00:47:41,520 Speaker 2: why they do their own appraisal of the property and 1018 00:47:41,560 --> 00:47:43,640 Speaker 2: they get their own value of the house. And if 1019 00:47:43,680 --> 00:47:45,799 Speaker 2: you're in a in a hot market, you know, if 1020 00:47:45,800 --> 00:47:48,280 Speaker 2: that appraisal comes in lower than what you've been bidding, 1021 00:47:49,160 --> 00:47:51,200 Speaker 2: there is something written in our contract that gives us 1022 00:47:51,239 --> 00:47:53,640 Speaker 2: an out that we can you know, leave the table 1023 00:47:53,680 --> 00:47:56,520 Speaker 2: at that point because the bank isn't going to give 1024 00:47:56,600 --> 00:47:58,800 Speaker 2: us a loan for the amount that we need. You know, 1025 00:47:58,840 --> 00:48:01,080 Speaker 2: we'd have to basically make up the difference in cash. 1026 00:48:01,440 --> 00:48:04,160 Speaker 2: You know, Let's say the house we put in a 1027 00:48:04,200 --> 00:48:06,560 Speaker 2: bit of like five hundred thousand, but the appraisal says 1028 00:48:06,560 --> 00:48:08,600 Speaker 2: it's worth four twenty, then the bank would be like, 1029 00:48:08,640 --> 00:48:10,360 Speaker 2: we're only going to give you four twenty, so I 1030 00:48:10,400 --> 00:48:11,960 Speaker 2: have to come up with the other eighty grand And 1031 00:48:12,000 --> 00:48:14,160 Speaker 2: I'm you know, this is a hypothetical buying going to 1032 00:48:14,239 --> 00:48:16,840 Speaker 2: do that, so I would walk away. But that's you know, 1033 00:48:17,080 --> 00:48:19,560 Speaker 2: our lawyers, you know, made sure that clause was in 1034 00:48:19,600 --> 00:48:22,799 Speaker 2: our contracts. We can get out, and that's sort of 1035 00:48:22,840 --> 00:48:26,120 Speaker 2: my That's the question I have now is what's it 1036 00:48:26,160 --> 00:48:28,000 Speaker 2: going to appraise for? Because if it's not what we're 1037 00:48:28,000 --> 00:48:29,080 Speaker 2: buying it for, I am not. 1038 00:48:29,680 --> 00:48:31,960 Speaker 1: Of course, no, no, now here's the thing. This is 1039 00:48:31,960 --> 00:48:33,799 Speaker 1: the mistake that I made with a house that we 1040 00:48:33,880 --> 00:48:36,520 Speaker 1: loved in the beginning. That what I wish I would 1041 00:48:36,560 --> 00:48:42,719 Speaker 1: have gotten my inspection before the appraisal, because you have 1042 00:48:42,800 --> 00:48:45,799 Speaker 1: to pay for the inspection and the appraisal, and I 1043 00:48:45,880 --> 00:48:48,040 Speaker 1: had them both done on the same day. And I 1044 00:48:48,160 --> 00:48:51,120 Speaker 1: found out that the inspection that day, like our inspector 1045 00:48:51,200 --> 00:48:52,080 Speaker 1: was like, yo, this house. 1046 00:48:52,040 --> 00:48:53,040 Speaker 3: Is falling apart. 1047 00:48:53,239 --> 00:48:55,799 Speaker 1: And so now if I would have known that, I 1048 00:48:55,800 --> 00:48:58,239 Speaker 1: could have not had the appraisal. The appraisal was like, 1049 00:48:58,600 --> 00:49:00,960 Speaker 1: I don't know, maybe like nine hundred dollar. So I 1050 00:49:01,080 --> 00:49:04,160 Speaker 1: paid for that on a house that if I had 1051 00:49:04,200 --> 00:49:06,480 Speaker 1: just gotten inspected beforehand, I could say, you know what, 1052 00:49:06,520 --> 00:49:08,160 Speaker 1: no appraisal needed, We're not getting. 1053 00:49:07,880 --> 00:49:11,440 Speaker 3: This house, so that's just yeah, that's something go ahead. 1054 00:49:12,280 --> 00:49:14,839 Speaker 2: We actually got our inspection the same week or offer 1055 00:49:15,000 --> 00:49:15,520 Speaker 2: was accepted. 1056 00:49:15,760 --> 00:49:17,040 Speaker 3: Okay, I did it. 1057 00:49:17,560 --> 00:49:19,640 Speaker 1: Yes, the appraisal is not I mean expection. So but 1058 00:49:19,680 --> 00:49:21,880 Speaker 1: that's something I didn't realize. I'm like, oh, I should 1059 00:49:21,880 --> 00:49:25,080 Speaker 1: have had the inspection done ahead of time, so just 1060 00:49:25,120 --> 00:49:26,600 Speaker 1: so we don't have to even go through any of 1061 00:49:26,640 --> 00:49:28,799 Speaker 1: this stuff, because if the house wasn't gonna you know, 1062 00:49:28,840 --> 00:49:31,560 Speaker 1: if it didn't pass, I didn't have to spend all 1063 00:49:31,560 --> 00:49:34,360 Speaker 1: this extra money I ended up spending. Honestly, when it 1064 00:49:34,360 --> 00:49:36,640 Speaker 1: was all said and done, it was like over two 1065 00:49:36,680 --> 00:49:40,520 Speaker 1: thousand dollars in the process, to only find out later 1066 00:49:41,239 --> 00:49:43,640 Speaker 1: this house is not you know, livable basically, And I 1067 00:49:43,719 --> 00:49:45,759 Speaker 1: was like, oh, it was such I know, it was 1068 00:49:45,760 --> 00:49:47,279 Speaker 1: such a hard pulble swallow, but it was a good 1069 00:49:47,360 --> 00:49:49,560 Speaker 1: lesson because there's things you have to pay for along 1070 00:49:49,600 --> 00:49:52,600 Speaker 1: the way, like you know that you know, I you know, 1071 00:49:52,640 --> 00:49:55,279 Speaker 1: had I known, like I said, I wouldn't have done. 1072 00:49:55,400 --> 00:49:57,440 Speaker 1: But you know, you living with you learn And I 1073 00:49:57,520 --> 00:49:59,880 Speaker 1: was just like, ugh, just just as mindful for you 1074 00:50:00,120 --> 00:50:02,799 Speaker 1: who are thinking about purchasing a property, make sure you 1075 00:50:02,880 --> 00:50:04,799 Speaker 1: get your inspection first and foremost. 1076 00:50:05,120 --> 00:50:07,200 Speaker 2: And so far, I'm finding out all the averages you 1077 00:50:07,239 --> 00:50:09,839 Speaker 2: read on the internets are higher in real life, at 1078 00:50:09,920 --> 00:50:12,440 Speaker 2: least in New York. Like my inspection was six hundred dollars, 1079 00:50:12,920 --> 00:50:15,759 Speaker 2: but then once you factor in the pest inspection and 1080 00:50:15,840 --> 00:50:17,799 Speaker 2: this raid on test, which to this day, I don't 1081 00:50:17,800 --> 00:50:19,279 Speaker 2: know if you know I really needed it or not. 1082 00:50:19,560 --> 00:50:22,520 Speaker 2: We spent eight hundred dollars on the inspection and I 1083 00:50:22,600 --> 00:50:24,399 Speaker 2: was and I walked I don't know if you walked 1084 00:50:24,400 --> 00:50:27,799 Speaker 2: through with your inspection person, but I we walked the 1085 00:50:27,920 --> 00:50:29,440 Speaker 2: entire house with them, and it was a man and 1086 00:50:29,480 --> 00:50:31,680 Speaker 2: his son, and they were like incredibly thorough. It was 1087 00:50:31,680 --> 00:50:34,200 Speaker 2: like a two and a half hour, you know experience, 1088 00:50:34,239 --> 00:50:36,600 Speaker 2: and I felt really good and Solid's like I wanted 1089 00:50:36,600 --> 00:50:39,040 Speaker 2: the inspection right away and so fast because it wasn't 1090 00:50:39,080 --> 00:50:40,720 Speaker 2: it is an older house. It was built in nineteen 1091 00:50:40,760 --> 00:50:42,880 Speaker 2: forty seven, and I I just want a peace of 1092 00:50:42,880 --> 00:50:44,600 Speaker 2: mind that we were going to be, you know, not 1093 00:50:44,719 --> 00:50:47,200 Speaker 2: investing into something that was like you know, falling. 1094 00:50:46,960 --> 00:50:47,920 Speaker 3: Upon the part YEP. 1095 00:50:48,080 --> 00:50:50,120 Speaker 2: And then once we had that. Then we were like, okay, 1096 00:50:50,160 --> 00:50:54,319 Speaker 2: all systems go, let's do this thing. And the appraisal, Yeah, 1097 00:50:54,360 --> 00:50:57,920 Speaker 2: the appraisal, that's part of your closing costs down the line. 1098 00:50:58,000 --> 00:51:02,120 Speaker 2: I'm excited slash terrified. 1099 00:51:02,840 --> 00:51:05,879 Speaker 1: I know, no, I don't worry, like yeah, I mean 1100 00:51:05,960 --> 00:51:09,640 Speaker 1: if your if your inspection passed, then from what I've heard, 1101 00:51:09,640 --> 00:51:13,160 Speaker 1: appraisals usually like are in alignment. You know that's good though, 1102 00:51:13,239 --> 00:51:16,680 Speaker 1: keep us informed. I can't wait, broc here at your house. 1103 00:51:17,320 --> 00:51:21,240 Speaker 2: Oh don't chanse it, but yeah, for sure, all right. 1104 00:51:29,360 --> 00:51:32,720 Speaker 4: All right, it's time for Winds. 1105 00:51:32,760 --> 00:51:35,360 Speaker 3: Hallelujah. It's Wayne and Winds. 1106 00:51:38,600 --> 00:51:41,160 Speaker 2: Should we share this one or do you have you 1107 00:51:41,160 --> 00:51:43,399 Speaker 2: know I like, I would definitely like to share this one. 1108 00:51:43,760 --> 00:51:46,399 Speaker 2: We can share this one. So if you guys haven't 1109 00:51:46,480 --> 00:51:49,600 Speaker 2: checked your iTunes app lately, you might see some familiar faces. 1110 00:51:50,520 --> 00:51:52,960 Speaker 2: iTunes showing the love to brand ambition once again. They 1111 00:51:52,960 --> 00:51:56,440 Speaker 2: put us on the Black History Months featured list on 1112 00:51:56,600 --> 00:52:00,120 Speaker 2: the podcast page, which is so exciting. Yes, very exciting, 1113 00:52:00,480 --> 00:52:03,680 Speaker 2: so check it out. Well, you're already listening, so you 1114 00:52:03,719 --> 00:52:05,919 Speaker 2: know you probably saw it or you've already been a fan. 1115 00:52:06,040 --> 00:52:09,040 Speaker 2: But thank you for your support, and thank you to 1116 00:52:09,120 --> 00:52:12,560 Speaker 2: iTunes for the love anything you want to add. 1117 00:52:12,360 --> 00:52:14,439 Speaker 3: To No, it was just nice to see. 1118 00:52:14,480 --> 00:52:17,279 Speaker 1: I'm just like, wow, it's so weird, Like I like 1119 00:52:17,320 --> 00:52:19,080 Speaker 1: I say every week, I just feel like I'm just 1120 00:52:19,160 --> 00:52:21,799 Speaker 1: talking to you Manny like yeah, girl. And then so 1121 00:52:21,840 --> 00:52:23,400 Speaker 1: it's weird when someone's like, oh my god, I love 1122 00:52:23,440 --> 00:52:27,520 Speaker 1: my ambition. I'm like, that's right. It's recorded, it edited 1123 00:52:27,560 --> 00:52:32,040 Speaker 1: and shared, just because I'm just so like, you know, 1124 00:52:32,200 --> 00:52:35,480 Speaker 1: it just feels like us, like how we would talk 1125 00:52:35,520 --> 00:52:38,000 Speaker 1: if we see each other, hang out or whatever. So 1126 00:52:38,440 --> 00:52:41,960 Speaker 1: it's just dope that, you know. It's like our friendship 1127 00:52:42,320 --> 00:52:45,520 Speaker 1: is I don't know, interesting, and I just love that. 1128 00:52:45,640 --> 00:52:50,200 Speaker 2: And so entertainment that's what we are. We meet together. Money, 1129 00:52:51,760 --> 00:52:52,440 Speaker 2: but pot. 1130 00:52:52,480 --> 00:52:54,200 Speaker 3: So let's talk about how we can get Ally as 1131 00:52:54,239 --> 00:52:56,640 Speaker 3: a sponsor. We're putting it out there if you work 1132 00:52:56,680 --> 00:52:59,120 Speaker 3: for ALLYA. 1133 00:52:58,200 --> 00:52:59,680 Speaker 2: Wait, is that some sort am I gonna get A? 1134 00:52:59,719 --> 00:53:01,399 Speaker 2: I don't want to. I don't want to violate any 1135 00:53:01,920 --> 00:53:04,719 Speaker 2: Oh that's fine laws. I'm not trying to bribe anybody. 1136 00:53:05,160 --> 00:53:07,480 Speaker 1: No, I'm just saying no, no, no, I'm just saying, like, 1137 00:53:07,520 --> 00:53:09,520 Speaker 1: you know, because I love Ally, you love Ally. 1138 00:53:09,640 --> 00:53:11,360 Speaker 2: Hey, that's true, we're fans. 1139 00:53:11,640 --> 00:53:14,200 Speaker 3: Yeah, so you know I'm just putting it out there. 1140 00:53:14,320 --> 00:53:18,120 Speaker 1: If you know of any other brands that you're part of, 1141 00:53:18,160 --> 00:53:19,920 Speaker 1: they don't have to be financial brands. If you've heard 1142 00:53:19,960 --> 00:53:22,799 Speaker 1: us talk about something about our hair, nails, whatever, and 1143 00:53:22,840 --> 00:53:25,920 Speaker 1: you think that would be cute, cute little sponsorship opportunity, 1144 00:53:26,320 --> 00:53:30,440 Speaker 1: definitely hit us up on our website, which is brandabishoppodcast dot. 1145 00:53:30,280 --> 00:53:31,680 Speaker 3: Com dot com. 1146 00:53:31,840 --> 00:53:34,960 Speaker 1: Got it, Yeah, and then you know, because you just 1147 00:53:35,000 --> 00:53:38,000 Speaker 1: never know, You just never know what listeners are listening 1148 00:53:38,080 --> 00:53:41,560 Speaker 1: out there, So you could certainly contact us there and say, hey, 1149 00:53:41,719 --> 00:53:44,560 Speaker 1: my company would love to sponsor an episode or year 1150 00:53:44,640 --> 00:53:46,920 Speaker 1: or two for dollars. 1151 00:53:47,280 --> 00:53:50,760 Speaker 2: Yes, and thanks to everybody who filled out the listener survey. 1152 00:53:50,800 --> 00:53:53,000 Speaker 2: I'm going to post another link on well, you can 1153 00:53:53,040 --> 00:53:55,440 Speaker 2: still check it out on our Facebook page. It's just 1154 00:53:55,440 --> 00:53:57,360 Speaker 2: like eight or nine questions really quick for us to 1155 00:53:57,360 --> 00:53:59,719 Speaker 2: get to know you guys better. And I'll post a 1156 00:53:59,719 --> 00:54:02,239 Speaker 2: link on the website as well, so if you haven't 1157 00:54:02,239 --> 00:54:04,400 Speaker 2: filled it out, you still have time. And thank you 1158 00:54:04,480 --> 00:54:06,879 Speaker 2: for the couple hundred people who've already taken part. 1159 00:54:07,480 --> 00:54:08,520 Speaker 3: Yeah, we love you guys. 1160 00:54:09,440 --> 00:54:10,839 Speaker 2: Love Happy Valentine's Day. 1161 00:54:11,200 --> 00:54:14,040 Speaker 3: Oh yes, Happy balance Valentine. 1162 00:54:13,960 --> 00:54:29,239 Speaker 2: Galentine with the end, Happy Valentine, Oh, got it. Bye,