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Speaker 1: And now it's time for the b a qa a,

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Speaker 1: the b a qaa, the b a qami. Question and answer.

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Speaker 1: Y'all have questions, We have answers that cannot be taken

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Speaker 1: as legal advice lowercase a answers.

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Speaker 2: We have ideas and thoughts, and you cannot see us

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Speaker 2: for any of them.

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Speaker 1: Yes, because you got to ask your peoples, the people

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Speaker 1: that you give money to as financial advisor in them

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Speaker 1: your attorney, a doctor, your lawyer, whomever. But certainly take

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Speaker 1: what we stay with the green of salt, which is

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Speaker 1: two smart girls, two smart, smart brown girls on the internet,

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Speaker 1: just you know, given our thoughts. You know so. But

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Speaker 1: it's not a substitute for legal advice.

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Speaker 2: Yeah, absolutely not. Although this first one, I feel like

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Speaker 2: you could be a certified credit expert. I mean, this

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Speaker 2: is like you could probably give this kind of advice

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Speaker 2: in your sleep. That this comes from listener Regina, who

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Speaker 2: had a question about credit scores. Regina says, good evening.

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Speaker 2: I'm an avid listener of your show. I am learning

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Speaker 2: how my credit scores for Experience, TransUnion, and Equifax are

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Speaker 2: significantly higher than my Fyco score. How do I better

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Speaker 2: my Fyco score? Since it's used to measure so many

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Speaker 2: important things. Please advise when you can. Thank you so much.

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Speaker 1: Regina, Hey, Reggie, hope you don't mind to call you

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Speaker 1: that Gina. No, actually, Gina like Gina better.

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Speaker 2: I feel like she probably would mind if you called

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Speaker 2: her Reggie.

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Speaker 1: Reggie, that's kind of cue, right, Okay, whatever, Right, we're

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Speaker 1: just gonna call you Regina. Right. So Regina, Well, first

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Speaker 1: you have to just understand that there's five components to

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Speaker 1: your credit score. Actually had to pull this stuff because

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Speaker 1: my granny old mind can never remember the percentages except

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Speaker 1: for the first two. So thirty five percent is amount, No,

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Speaker 1: thirty five percent sorryest payment history. So that's the biggest

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Speaker 1: meaning do you pay the people, Regina or time Virginia

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Speaker 1: meaning they just want to know, like, are you a

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Speaker 1: regular on time payment person? And one of the ways

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Speaker 1: you can offset that, Regina, is to automate as many

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Speaker 1: bills as possible so you don't forget and you're not late.

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Speaker 1: I was late again this week for something I totally forgot.

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Speaker 1: My credit score is just going to look like I

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Speaker 1: don't know what I'm doing. Because there's a credit card

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Speaker 1: that I never use unless I travel, and then I

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Speaker 1: swiped it when I was overseas and I forgot because

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Speaker 1: I never use it, so I don't have automatic payment

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Speaker 1: on it and I forgot, So down goes my score temporarily.

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Speaker 1: So payment history thirty five percent automate payments to affect that.

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Speaker 1: Part of your Freyco score thirty percent of your Freight

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Speaker 1: Go score is amounts owed, often referred to to as

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Speaker 1: utilization that month means how much could you borrow versus

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Speaker 1: how much you actually borrowed. But they basically want to

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Speaker 1: look at your limits versus your balances. So if you

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Speaker 1: have a hundred dollars limit credit card, ideally you want

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Speaker 1: to keep the balance under thirty dollars dollars under thirty percent,

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Speaker 1: So they look at each individual card, but also cumulatively

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Speaker 1: at your cards, so the average. So if you've got

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Speaker 1: one card that you've got one hundred dollars limit on,

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Speaker 1: and another card that you have one hundred dollars limit on,

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Speaker 1: and one you're not using it all, and one you're using,

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Speaker 1: say like one hundred dollars balance on, So this card

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Speaker 1: you're maxed out, this one you're not using it all.

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Speaker 1: If you close then not used card, you went from

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Speaker 1: fifty percent utilization because you're only using half the money

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Speaker 1: that you have available to one hundred percent utilization, which

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Speaker 1: is going to bring your score down, down, down, down,

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Speaker 1: down down. So keep your utilization low. Basically, pay off

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Speaker 1: your debt. Okay, fifteen percent is length of credit history.

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Speaker 1: You just got to live a little longer and keep

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Speaker 1: your older cards open, you know, like if you have

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Speaker 1: one old card, that's what I like to just keep

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Speaker 1: one old card open. Ten percent is new credit, also

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Speaker 1: called inquiries. That just means the next time you go

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Speaker 1: to Marshalls, don't let them people run your credit just

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Speaker 1: to see if you can save ten percent on that.

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Speaker 1: You know, And in career, is anybody other than you

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Speaker 1: who looks into your credit and it brings down your score.

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Speaker 1: And then last is a credit mix. They just like

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Speaker 1: to see a mix that you have some like installment

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Speaker 1: loans like student loans, car no blah blah blah, and

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Speaker 1: also revolving debt like credit card debt. They just like

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Speaker 1: to see you have experience. You don't have to do

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Speaker 1: anything there, just live longer and as an adult you

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Speaker 1: have more of that. So ultimately, you want to pay

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Speaker 1: down debt and you want to be on time. So

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Speaker 1: here's a little trick that I found out how you

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Speaker 1: can trick the credit scoring system in a way that's

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Speaker 1: super legal. I call it my jump like Jordan method

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Speaker 1: because I'm forty two, so Jordan was the lebron of

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Speaker 1: the day. Actually, let me not even say that Jordan

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Speaker 1: was the Jordan's child. So here's what you do. You

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Speaker 1: go to your cheapest bill. For me, it was my

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Speaker 1: gym membership that I was never using at what's that place?

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Speaker 1: The gym membership is only ten bucks, Mandy, Planet Fitness. Yes,

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Speaker 1: Planet Fitness, that nine ninety nine gym membership that don't

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Speaker 1: nobody ever use. So I had that membership, and normally

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Speaker 1: that membership was just pulling the money directly from my

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Speaker 1: bank account. But I put a credit card that I

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Speaker 1: had a zero balance on in between. I said, Planet Fitness,

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Speaker 1: charge this card, and then I said, bank account, automatically

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Speaker 1: pay off the card every month. Something magical happens when

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Speaker 1: you pay off a debt in full every month. The

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Speaker 1: amount doesn't matter. It's the habit of paying off. They

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Speaker 1: like to see. That's that payment history. You paid off

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Speaker 1: a debt, even if it's five dollars five hundred five thousand,

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Speaker 1: five million, ideally five dollars, So you create that automatic

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Speaker 1: loop and you will start to see your credit score

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Speaker 1: start to jump like Jordan. Because your credit score is

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Speaker 1: your GPA. It is an average of your grades of

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Speaker 1: how you handle your money. So every time you pay

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Speaker 1: off your card in full, even if it's only five dollars,

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Speaker 1: you get an A. So the more age you get,

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Speaker 1: the more it will offset any of the bad grades

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Speaker 1: you got in the past. So if you do that,

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Speaker 1: Regina girl, you should be fine.

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Speaker 2: I think in Regina, George, you know what I was

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Speaker 2: wondering about her question too with fight Oh, there's like

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Speaker 2: a billion different FICO scores, So I'm wondering which Fyco

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Speaker 2: score she may be referring to here, because I mean

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Speaker 2: the FICO company or whatever, like, they sell their scores

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Speaker 2: to lenders as a way of like figuring out if

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Speaker 2: borrowers you know, or trustworthier which interest rate to give them.

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Speaker 2: In all of that, there's auto Fyco scores. There's I mean,

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Speaker 2: obviously we all know FICO is like the main score

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Speaker 2: used for mortgage lending, but there's an auto version of

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Speaker 2: your score. I was just looking it up. There's versions

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Speaker 2: of your score for.

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Speaker 1: Just like SPYCO eight FEL nine Yes.

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Speaker 2: Yeah, like right now, Auto score, bank cards score ten,

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Speaker 2: T score ten score nine score eight score eight. I

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Speaker 2: guess is the yeah. This this article says there's sixteen different,

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Speaker 2: sixteen distinct versions of the FICO score used by creditors.

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Speaker 2: And this is experience itself. And if you're using you

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Speaker 2: know those like credit score estimate apps like you men

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Speaker 2: one called score sense and your question. Also there's like

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Speaker 2: Credit Karma, credit Sesame. There's probably more that I don't remember,

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Speaker 2: and you know those are estimates and there if there's

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Speaker 2: significant differences between age, like I don't know, how could

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Speaker 2: I define significant like twenty five points or more, thirty

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Speaker 2: point points or more, then maybe there's something amiss with

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Speaker 2: one of your credit reports. And it's good to keep

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Speaker 2: tabs on all three of her credit reports that you

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Speaker 2: get from the three different bureaus that could explain what

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Speaker 2: Maybe one of your scores is a little bit different,

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Speaker 2: Like for example, if credit sess Tome is pulling your

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Speaker 2: score from a certain credit bureau and Credit Karma is

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Speaker 2: pulling it from another one and they're very different, then

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Speaker 2: I would check the one that's different and see if

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Speaker 2: something on your report that they're pulling it from. Has

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Speaker 2: there's an error or something hasn't fallen off quite yet.

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Speaker 2: But yeah, I just keep that in mind. And you know,

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Speaker 2: at the end of the day, if they're like close

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Speaker 2: enough to one another, I wouldn't stress out. I feel

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Speaker 2: like too much about it and like obsess over them

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Speaker 2: every sing on one matching.

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Speaker 1: I think they're never it's never all going to match.

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Speaker 1: And the truth is I have been like, you know,

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Speaker 1: a fifty point difference between my experience vers micro effects

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Speaker 1: versus I, you know, because the reason why there are

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Speaker 1: a number of FCO scores like eight, nine, ten, twelve

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Speaker 1: is that some of those scores have a heavier leaning

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Speaker 1: on different types of debt and activity than other scores don't.

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Speaker 1: So like the auto loan people might want to know, well,

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Speaker 1: I want to see how much that they have in

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Speaker 1: installment loans because auto payments tend to be installment loan.

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Speaker 1: So I want this type of FYCO score. And the

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Speaker 1: credit card people are like, well, we want to see

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Speaker 1: like a FIGHTO score that leans heavily on revolving debt

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Speaker 1: because we're revolving debt, because credit cards are revolving debt.

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Speaker 1: So ultimately your job is not to know all the

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Speaker 1: nuance is just to have a decent score in general,

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Speaker 1: and you should be fine across the board. I don't

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Speaker 1: worry about my score, like honestly, I'm probably gonna drop

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Speaker 1: like thirty stinking points for forgetting to pay make that payment,

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Speaker 1: But what do I care?

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Speaker 2: IM just call them and get them to like, not,

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Speaker 2: how do when is it?

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Speaker 1: So now it wasn't. I'm going to probably call Bank

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Speaker 1: of America and just say, oh, girl, I forgot. But

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Speaker 1: I never forget because I don't use the card. But

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Speaker 1: you're right. I could probably call them and say you

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Speaker 1: didn't report it, did you? Because they didn't say I

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Speaker 1: just logged on randomly No. I got an email. Bank

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Speaker 1: of America was like, girl, make a payment. I'm like

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Speaker 1: a payment and if my first instant was soone stole

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Speaker 1: my car and I was like, oh that's right, that

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Speaker 1: was me in Jordian. So but I went to make

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Speaker 1: a payment. It was like, girl, you're late, and I

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Speaker 1: was like, damn, So you're right. I probably will call

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Speaker 1: Bank of America and be like, don't tell all me.

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Speaker 1: But the truth is, I don't worry about my credit score,

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Speaker 1: like for real, unless I'm like I think to myself,

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Speaker 1: in the future, I need to borrow something, because that's

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Speaker 1: the purpose of it. Your credit score is so you

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Speaker 1: can qualify to borrow something at a good rate. I

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Speaker 1: don't like the car I have is paid off. I

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Speaker 1: don't have a mortgage, and so I'm not going to

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Speaker 1: be renting an apartment anytime soon. But certainly you want

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Speaker 1: to keep a decent credit score just in case. But

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Speaker 1: I wouldn't stress so much over him and just continue

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Speaker 1: to collect good quote unquote grades to off at that

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Speaker 1: credit GPA your score, so the more age you can get.

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Speaker 1: When my score felt significantly in my twenties, I actually

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Speaker 1: did that with two cards where I paid it off

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Speaker 1: every month in full, and that really helped to expedite

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Speaker 1: bringing my score up. So good good luck to you, Regina.

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Speaker 2: Good luck Regina. Thank you for your question, and we're

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Speaker 2: actually going to take a quick break when we come back.

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Speaker 2: We have another question that is just to your point, Tiffany,

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Speaker 2: talking about that delicate timeline when you want to do

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Speaker 2: something that you know is a little credit noddy that

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Speaker 2: could impact your chances of getting a good rate on

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Speaker 2: a future purchase.

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Speaker 1: Not naughty creditor.

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Speaker 2: We'll take a quick break and be right back with

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Speaker 2: more y'all's questions. All right, b a qa, we are

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Speaker 2: back with another one of your questions. Hit us up

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Speaker 2: at Brandanbission podcast dot com if you'd like to submit

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Speaker 2: a question. You can ask us anything there. You can

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Speaker 2: also slide into our dms on ig. We are at

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Speaker 2: brand Ambission Podcast on Instagram, or you can email us

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Speaker 2: Brandonbission Podcast at gmail dot com. All right, this one

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Speaker 2: comes from Yordiana. Yodiana says I was just or I

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Speaker 2: just recently got approved for an FAHA loan. The problem

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Speaker 2: is that for the market I got the loan in

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Speaker 2: the loan, which is four hundred and twenty thousand dollars,

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Speaker 2: is not enough for my big family. As an immigrant,

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Speaker 2: I'm the only one that qualifies at this point to

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Speaker 2: make this stream come true for my parents. I make

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Speaker 2: mid income at one hundred and sixty K, but I'm

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Speaker 2: not approved for a higher loan than what Fight goes

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Speaker 2: offering because my credit score is pretty low it's six

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Speaker 2: point fifty. I also got in a car accident back

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Speaker 2: in November, so I need to get a new car

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Speaker 2: and was waiting on purchasing a home until after the home. However,

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Speaker 2: now I'm thinking I should buy the car and wait

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Speaker 2: for the credit score to qualify me for a bigger loan. However,

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Speaker 2: would it be better to get the car and use

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Speaker 2: the down payment for that or hold on? Interest rates

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Speaker 2: are going up and gas prices are ridiculous. Thank you

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Speaker 2: so much for some contact. I work from home, so

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Speaker 2: I don't need a car, but maybe if I bought

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Speaker 2: a car it could help my credit score to Oh

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Speaker 2: this is juicy and juicy, where do we even start,

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Speaker 2: my goodness, Well.

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Speaker 1: One thing I think that she made a misstep on

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Speaker 1: is that your credit score is not the thing that's

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Speaker 1: affecting how much you can borrow. Your credit score is

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Speaker 1: really going to affect the rate at what you can borrow.

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Speaker 1: So I wanted to just for her for some clarity

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Speaker 1: that even if you got your credit score to eight fifty,

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Speaker 1: it doesn't mean they're going to let you borrow more

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Speaker 1: necessarily because you're borrowing the amount is really based upon

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Speaker 1: another score called your debt to income ratio, meaning how

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Speaker 1: much do you make versus how much do you spend

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Speaker 1: on debt every month? They want to just kind of

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Speaker 1: know do you have enough money to pay for this house.

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Speaker 1: And so even if you have an eight to fifty

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Speaker 1: credit score but you make two dollars a month, they're

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Speaker 1: not gonna be like, oh my god, with this eight

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Speaker 1: to fifty girl, were going you can buy a million

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Speaker 1: dollar house. It's like, no, you don't make enough. So

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Speaker 1: I just want to just make that clarity that, like,

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Speaker 1: they're not gonna let you necessarily borrow more because you

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Speaker 1: have a better credit score, but you will borrow at

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Speaker 1: a better rate, and you know it might bump you

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Speaker 1: up a little bit, like you know, because the rate

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Speaker 1: is better that you can afford to, like like your

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Speaker 1: your mortgage payment would be lower, and maybe you could

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Speaker 1: afford a little bit more house, but it won't make

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Speaker 1: it as significant as much of a difference as like

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Speaker 1: just making more. But I will say this what you

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Speaker 1: can think about since you have a big family. This

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Speaker 1: is what my husband and I and the time we're

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Speaker 1: thinking about is to get a multi family house because

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Speaker 1: what they will let you do is because for example,

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Speaker 1: same thing with Jarell. We were looking for a home

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Speaker 1: and I could not because I had a foreclosure that

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Speaker 1: was still active on my credit score. So they're like, girl,

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Speaker 1: kick Tiffany off this mortgage application. So what he was

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Speaker 1: able to afford wasn't as much as we wanted to

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Speaker 1: in order to purchase a home. But they're like, if

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Speaker 1: you get a multi family house, they will take the

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Speaker 1: rent that you'll get into consideration for more income. I

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Speaker 1: think it was about sixty percent. So let's just say,

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Speaker 1: let's just for easy numbers, at my house with making

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Speaker 1: one hundred thousand dollars a year, and they were like,

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Speaker 1: your rent was going to pay you for the house

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Speaker 1: one hundred and fifty thousand dollars. They would take sixty

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Speaker 1: percent of that and add it to his income to say,

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Speaker 1: when you live in this house, this rent is going

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Speaker 1: to help increase his income, and so we can include

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Speaker 1: that to allow you to afford more house. So consider

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Speaker 1: a multi family house and that rent might be able

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Speaker 1: to boost up what you could afford as far as

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Speaker 1: the house was concerned. So that's just something to think about.

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Speaker 2: Yeah, especially if she's like purchasing it sounds like a

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Speaker 2: house for her big family, Yeah, like multi generational. First

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Speaker 2: of all, I feel like my heart goes out to

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Speaker 2: her because that's a lot of burden, Yeah, for your shoulders,

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Speaker 2: And I feel like one sixty k sounds like so much,

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Speaker 2: but we know in this economy, like she mentions gas prices,

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Speaker 2: interest rates going up on mortgages, it's really freaking hard.

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Speaker 2: I question though, I'm like going back to her question

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Speaker 2: four hundred and twenty K, so I was just quickly

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Speaker 2: doing some googles to see so that's like the minimum

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Speaker 2: well faha loans again, like they're meant for the first

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Speaker 2: time home buyers. People with lower income and lower credit

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Speaker 2: scores can qualify, and you know, they're a great entryway

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Speaker 2: into home ownership, but because they are federally backed, they

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Speaker 2: have some limitations, and depending on where you live, the

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Speaker 2: limit for how much you can borrow can be capped.

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Speaker 2: So four twenty is at the lower side of that limit.

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Speaker 2: I wonder if she's not asking about what if she

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Speaker 2: wants to borrow additional on top of that four twenty,

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Speaker 2: because it's not enough to afford the like the size

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Speaker 2: of a home that she's wanting. And if that's the case,

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Speaker 2: that may explain where her credit score comes in, because

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Speaker 2: if you're getting like a jumbo faha, like that's actually possible.

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Speaker 2: So that's like when you there's a cap on how

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Speaker 2: much you can borrow with the product the faha loan

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Speaker 2: and if you want more because the home is do

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Speaker 2: you want four family members to live with? You need

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Speaker 2: to bring her home. It costs more than four twenty,

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Speaker 2: which Jesus like, you can't even get homes in my

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Speaker 2: neighbor for four twenty right now, is nuts? And anyway,

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Speaker 2: you talk.

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Speaker 1: About that later.

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Speaker 2: But so you would need an additional loan on top

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Speaker 2: of that four twenty And depending on the lender, they

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Speaker 2: may have credit score requirements to even approve you for

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Speaker 2: that loan. So I wonder if that's what she's saying. Okay,

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Speaker 2: but regardless like that, that would explain, you know, regardless

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Speaker 2: like getting a car, then for sure could hurt your

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Speaker 2: chances of getting approved for that higher loan. It's like

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Speaker 2: financial double dutch. I feel like every decision is financial

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Speaker 2: double dutch, Like when do I do this?

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Speaker 1: Like, well, no, I have to actually do it, like

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Speaker 1: really authentically. You gotta gotta hold your chest down. That's

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Speaker 1: how you knew you was grown. I want them to

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Speaker 1: be so bad. I wanted to be one of the

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Speaker 1: double chests girl because I had no chest and I

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Speaker 1: was like, oh my gosh, I mean you know they did. Yeah,

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Speaker 1: it was like because even though we had no chest

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Speaker 1: like this like a technique. No, it was like she's

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Speaker 1: supposed to be like, oh my god, I'm entering puberty

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Speaker 1: and like I have to hold my chest down. It's

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Speaker 1: too much. Meanwhile, we're all of eleven, like girl, what

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Speaker 1: are you doing? But no, you're right that that might

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Speaker 1: be the case, but consider multifamily, but also too The

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Speaker 1: problem is, like I said, that debt to income ratio,

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Speaker 1: purchasing a house is not just going I mean, purchasing

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Speaker 1: a car now is not just going to affect you know,

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Speaker 1: maybe your credit score, you know, because you're I'm assuming

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Speaker 1: you're gonna you know, finance and they're gonna have to

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Speaker 1: like run your credit that your credit score is going

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Speaker 1: to take a dip. But also now you are going

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Speaker 1: to affect your debt to income ratio because they're going

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Speaker 1: to say you owe someone else, Like mortgage companies are jealous.

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Speaker 1: They don't want you to have other booze. You have

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Speaker 1: to pay money to this, right, and so now you're

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Speaker 1: gonna oh, like, oh, you owe the car company tooown

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Speaker 1: no child. So I especially since you don't need a car,

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Speaker 1: you know, I would work really hard if if you're listening. Well,

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Speaker 1: obviously you're listening. The question before this talked about we

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Speaker 1: talked about how to raise your credit score. I would

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Speaker 1: lean into those techniques of raising my credit score and

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Speaker 1: work on the home. I would also consider like a

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Speaker 1: really great program. I like, I know you've been approved

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Speaker 1: for faha, but consider this program called NAKA. We talked

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Speaker 1: about it before. NACA's NACA NACA dot com stands for

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Speaker 1: the Neighborhood Assistance Corporation of America, and it sounds like

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Speaker 1: you're a first time home buyer. They will get you

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Speaker 1: even lower interest rates. It's a long process, but you

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Speaker 1: have to raise your credit score any races, so you

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Speaker 1: have SUN okay, but with NAKA you'll get like, you know,

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Speaker 1: I'll give you an example, maybe if interest rates were

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Speaker 1: currently So, my's brother in law is buying the house

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Speaker 1: that Drell and I purchased together for a rental property.

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Speaker 1: But I don't want to be a landlord. Drell wanted

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Speaker 1: to be a landlord, and so we're selling it to

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Speaker 1: his twin, which is awesome because he actually painted it

382
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Speaker 1: for us. He's a master painter, so it's like, you know,

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Speaker 1: this is great. The house gets to stay in a family.

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Speaker 1: He loves that house, but he was going for the

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Speaker 1: FAHA loan route, which he's got a good credit score.

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Speaker 1: And then my sister was like, don't forget about NACA.

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Speaker 1: Right now, interest rates are like five and a half

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Speaker 1: six percent. NACA is offering three and a half percent,

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Speaker 1: significantly lower. It's going to lower his monthly payments significantly.

390
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Speaker 1: And now it's a process because he won't be able

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Speaker 1: to close until like another like two or three months,

392
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Speaker 1: so it's like a six month process, but it's gonna

393
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Speaker 1: probably take you about six months to raise your credit score.

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Speaker 1: I would use that time sign up for NAKA now,

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Speaker 1: so maybe you can lock in an even lower interest rate.

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Speaker 1: I mean, I don't know what fat interest rates are

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Speaker 1: right now, but nacause are the lowest in the country.

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Speaker 1: So just consider NACA dot com. That's just not going

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Speaker 1: to offer their own type of loan.

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Speaker 2: Or is it like an FAH loan.

401
00:19:36,880 --> 00:19:39,320
Speaker 1: I've believe it's a they work with like cause it's

402
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Speaker 1: a it's a it's a federally back program. So I

403
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Speaker 1: think I'm like, is it an fat loan? I don't honestly,

404
00:19:43,600 --> 00:19:46,040
Speaker 1: I'm not sure who, how they or if they just

405
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Speaker 1: negotiate on your behalf, like you know, like, so I

406
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Speaker 1: don't know who the loan is through. If I'm being honest,

407
00:19:54,320 --> 00:19:55,720
Speaker 1: it's okay, yeah, but.

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Speaker 2: Still like worth looking into. And your credit score is

409
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Speaker 2: six fifty so you know, I feel like a hundred

410
00:20:00,359 --> 00:20:04,280
Speaker 2: points is your goal? Yep, right, seven fifty seven sixty.

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Speaker 1: Is it's perfect credit? Yep, perfect credit. It's the beginning

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Speaker 1: a perfect credit. You don't need to get the eight

413
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Speaker 1: hundred plus. Yeah, I mean, that's great if you do,

414
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Speaker 1: but it's not necessary. Yeah, it's great to brag.

415
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Speaker 2: My husband will just like turn his phone around sometimes

416
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Speaker 2: be like, look at this, you have a twelve concrat,

417
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Speaker 2: what are you going to do with it? But yodiyana,

418
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Speaker 2: you have a lot on your shoulders. Take your time, Okay.

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Speaker 2: At the end of the day, you're doing this great

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Speaker 2: thing for your family, but it's your finances on the line,

421
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Speaker 2: and it sounds like you are taking on a lot,

422
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Speaker 2: a lot, a lot, and in this market, it is

423
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Speaker 2: not easy, and I feel like you're definitely not alone.

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Speaker 2: My heart goes out to you. I wish someone who

425
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Speaker 2: making one to sixty would not have this kind of

426
00:20:45,880 --> 00:20:47,760
Speaker 2: issues buying a damn house in this country, but here

427
00:20:47,800 --> 00:20:49,399
Speaker 2: we are. But the best thing you can do is

428
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Speaker 2: to take your time and wait until it makes the

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Speaker 2: most financial sense for yourself. And I'm and sometimes it's

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00:20:55,359 --> 00:20:57,040
Speaker 2: frustrating because it's not like when you want it to be.

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00:20:57,080 --> 00:21:00,320
Speaker 2: And I get that, so thinking of you. Thank you

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00:21:00,400 --> 00:21:03,160
Speaker 2: so much for your question. Hope that's helped in some way.

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00:21:04,880 --> 00:21:07,280
Speaker 2: And we will see y'all next week from more b

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00:21:07,400 --> 00:21:08,159
Speaker 2: a Q and A.

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00:21:09,160 --> 00:21:11,560
Speaker 1: The b a q A is out b a u

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00:21:11,720 --> 00:21:16,400
Speaker 1: qu q. Oh they have questions? Where can they ask them?

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00:21:16,680 --> 00:21:21,040
Speaker 2: Brandivision podcast dot com or where else? Instagram, BRANDI Vision

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00:21:21,040 --> 00:21:26,760
Speaker 2: Podcast on i G BRANDI Vision Podcast at gmail dot com.

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00:21:26,800 --> 00:21:28,879
Speaker 2: You can find Tiffany what's your address?

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00:21:28,920 --> 00:21:29,120
Speaker 1: Again?

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00:21:30,400 --> 00:21:30,840
Speaker 2: Just kidding?

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00:21:31,720 --> 00:21:37,600
Speaker 1: Look, I'm the worst. You didn't invite me and come

443
00:21:37,640 --> 00:21:40,000
Speaker 1: and come and get me at do do do?

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00:21:40,200 --> 00:21:40,400
Speaker 2: Do?

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00:21:40,400 --> 00:21:41,880
Speaker 1: Do?

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00:21:40,600 --> 00:21:43,720
Speaker 2: Do you give any more hints about where you live?

447
00:21:43,880 --> 00:21:47,120
Speaker 2: I know yourself, I know, I know what neighborhood. She's

448
00:21:47,119 --> 00:21:48,280
Speaker 2: wearing a black hoodie? What else?

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00:21:48,920 --> 00:21:51,040
Speaker 1: I was walking the other day at like this car

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00:21:51,080 --> 00:21:52,920
Speaker 1: of like women pulled up. They're like, you know, sisters,

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00:21:52,920 --> 00:21:55,639
Speaker 1: They were like, but it is that when you live

452
00:21:55,720 --> 00:21:58,760
Speaker 1: right here? Girl? I said no, and I can't walking.

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00:21:59,080 --> 00:22:03,280
Speaker 1: I walked around the bosening a friend. I mean, they

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00:22:03,080 --> 00:22:05,680
Speaker 1: seem safe, but you know, you're right to be given

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00:22:05,680 --> 00:22:06,359
Speaker 1: to any hints.

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00:22:06,400 --> 00:22:09,240
Speaker 2: But meanwhile, though I had had some neighbor I had

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00:22:09,240 --> 00:22:11,600
Speaker 2: some like local moms over for cocktails on Friday, and

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00:22:11,640 --> 00:22:13,600
Speaker 2: a couple of them I could see that I could.

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00:22:13,720 --> 00:22:15,760
Speaker 2: I became a lot cooler to them when they found

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00:22:15,760 --> 00:22:19,040
Speaker 2: out that I knew you. No, like yeah, because I

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00:22:19,080 --> 00:22:20,800
Speaker 2: tell people what I do and then they are like,

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00:22:20,880 --> 00:22:23,040
Speaker 2: wait a second, here's that thing with Tiffany.

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00:22:23,720 --> 00:22:26,159
Speaker 1: I know Tiffany, Tiffany alish.

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00:22:26,200 --> 00:22:31,880
Speaker 2: I'm like, it's a little but yeah. So that was fun.

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00:22:31,920 --> 00:22:34,760
Speaker 2: It was fun for me. Thank you for it. Yeah,

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00:22:34,840 --> 00:22:37,200
Speaker 2: thanks for thanks for Thanks for you for I could

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00:22:37,240 --> 00:22:39,800
Speaker 2: know you so I can tell it our girls and

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00:22:39,920 --> 00:22:45,520
Speaker 2: to make the older mothers trust me. Until next week,

469
00:22:45,560 --> 00:22:48,840
Speaker 2: y'all be well. Hey ba fam, we could not do

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00:22:48,920 --> 00:22:51,439
Speaker 2: this show without your support or the support of our

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00:22:51,480 --> 00:22:54,960
Speaker 2: team behind the scenes. The Brown Ambission podcast is produced

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00:22:54,960 --> 00:22:56,600
Speaker 2: by Cumulus Podcast Network.

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00:22:56,680 --> 00:22:57,800
Speaker 1: It's edited by the.

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00:22:57,880 --> 00:23:02,480
Speaker 2: Wonderful Emani Crosby and produced by Tanya Bustos. Dennis Stimplinsky

475
00:23:02,600 --> 00:23:05,280
Speaker 2: is our in house tech curu, and I am Bandy

476
00:23:05,280 --> 00:23:08,399
Speaker 2: Woodard Santos, your co host, and I will see y'all

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00:23:08,440 --> 00:23:12,760
Speaker 2: next week.