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Speaker 1: Hey, hey, I'm married.

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Speaker 2: Now welcome to Brian Ambition where we're two married old lady.

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Speaker 3: Two married fuddy duddies.

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Speaker 2: I know all the picture came out, Mandy, I have

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Speaker 2: to show you the picture where we were holding up

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Speaker 2: our rings at my reception.

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Speaker 3: Oh it's so cute.

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Speaker 1: I'm like, oh, look at this.

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Speaker 3: That's the kind of picture people are gonna like hate us.

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Speaker 3: I want say see it. Oh wow, well, congratulations officially,

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Speaker 3: I know missus superwoman.

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Speaker 1: I know you know, everyone keeps saying that, hey, miss

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Speaker 1: is super, Hey miss is super.

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Speaker 3: I mean I'm not unique and hilarious.

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Speaker 2: Ah, the exact same, Like he is definitely different.

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Speaker 1: I'm like, why are you so protective?

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Speaker 3: I told you, yes he did. The man feels different?

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Speaker 1: Yes, yeah, because I asked him. I'm like, do you

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Speaker 1: feel different? He's like I do. I'm more worried. Now

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Speaker 1: are you okay? Is everything okay?

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Speaker 2: And meanwhile I'm like, dude, do do Someone said to

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Speaker 2: me like something something your husband, and I started laughing

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Speaker 2: because I thought, oh, that's cute.

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Speaker 1: You trying to be funny and I was like, wait, no,

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Speaker 1: wait that's really my husband. Wait.

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Speaker 2: So it hits me like sometimes like wow, I'm actually

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Speaker 2: like married for real, you know, excuse me, versus shocking up,

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Speaker 2: no judgment.

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Speaker 3: I'm living in sen church.

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Speaker 1: Excuse me.

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Speaker 3: What have you made any changes financially since you've been

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Speaker 3: married before or after? Yeah, schedule stuff.

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Speaker 2: Well, up until now, it was like so he paid

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Speaker 2: the rent, and then I paid all the smaller bill

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Speaker 2: like I paid like the PC and G bill and

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Speaker 2: like our capable bill. So that's I think that's the

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Speaker 2: only two real bills that we had. And so and

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Speaker 2: then we didn't really have a joint account. We had

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Speaker 2: a joint savings account that at first was like our

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Speaker 2: vacation account and then became our house account.

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Speaker 1: And other than that, like our.

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Speaker 2: Money was pretty separate, so like no joint checking or

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Speaker 2: anything like that. So I'm trying to figure out, like,

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Speaker 2: like do we continue that. I feel I feel like

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Speaker 2: a little bit disjointed. So we're you know, you know,

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Speaker 2: I you know, I still want to maintain obviously some

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Speaker 2: like at least a personal savings.

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Speaker 1: He can maintain a personal savings. But we're just trying to.

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Speaker 2: Figure out what's the system that we want to use.

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Speaker 2: What about you and and Husban, Like what systems do

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Speaker 2: you guys use.

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Speaker 3: I mean, I don't want to say that we have

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Speaker 3: a system, but we we keep our checking account separate.

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Speaker 3: We don't have a joint debit account, but we have

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Speaker 3: the same bank, so it's it's really easy just to like,

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Speaker 3: you know, give me this money and give me that

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Speaker 3: money whenever you know, Yeah, we have.

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Speaker 1: To say bank too, that's good. Yeah, we do too.

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Speaker 3: We definitely have a joint savings account, which we started

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Speaker 3: when we were saving up for the wedding. We just

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Speaker 3: started putting everything in one pot. Actually, he might have

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Speaker 3: a little side account that he's still I don't I don't,

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Speaker 3: honestly don't know, but it doesn't matter as long as

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Speaker 3: he's saving in it, you know, for like gifts and

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Speaker 3: stuff that he wants to pay for. And we share

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Speaker 3: credit a couple of different credit cards. Although I am

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Speaker 3: it's got a little too. You know how when one

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Speaker 3: of you is a I'm gonna mess this up. I

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Speaker 3: always get confused if joined or authorized, But anyway, one

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Speaker 3: of those statuses gives you access to the other person's

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Speaker 3: accounts you can see everything, and the other one you

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Speaker 3: don't have any access. So really you have access to

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Speaker 3: the credit card, but you can't see what's being charged

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Speaker 3: on it.

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Speaker 2: Yes, it's one is like you're a co You're basically

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Speaker 2: like a co user. So that's like both of you

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Speaker 2: guys have full access and then authorized user. One of

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Speaker 2: you has full access and one can use it but

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Speaker 2: can't really see anything else other than what you do.

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Speaker 3: Right. That's so we're joined on one and then authorized

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Speaker 3: on another, and the authorized one, I just I just

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Speaker 3: was losing track of it because I couldn't see what

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Speaker 3: was on there. And so we're okay, just moved to

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Speaker 3: one where we can see's. You know, we both kind

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Speaker 3: of see what's what's on it, and no one has

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Speaker 3: to be like, can I have the past word, you

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Speaker 3: know whatever, because we're paying we're paying bills together. But

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Speaker 3: we have the opposite situation and we've kept it. I

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Speaker 3: still pay the rent, and then he pays on all

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Speaker 3: the little bills, okay, and well there's a couple of

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Speaker 3: less a couple of fewer bills to pay these days

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Speaker 3: because we paid off his student loan debt look at y'all,

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Speaker 3: and the car debt, the last credit card debt. So

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Speaker 3: we are officially, we are officially like capital D debt free,

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Speaker 3: not just like credit card debt free, but no debt

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Speaker 3: I can I wait.

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Speaker 1: Like, honestly, he's been debt free.

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Speaker 2: I mean, like, you know, like little credit card here

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Speaker 2: and there, like, oh, you know, I've got a thousand

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Speaker 2: dollars on my whatever card and it's paid off in

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Speaker 2: two months. But he's for the most part has almost

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Speaker 2: always kind of been debt free. But me, I've been

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Speaker 2: lugging around the student loan debt that at the end

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Speaker 2: of the year I just submitted some form to kind

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Speaker 2: of like to get rid of at least twenty thousand

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Speaker 2: dollars or like eighteen thousand dollars of it, based upon

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Speaker 2: the fact that like I was in the teacher teacher

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Speaker 2: forgiveness program, but I didn't fully get like what I

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Speaker 2: was doing. So a friend of mine helped me, and

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Speaker 2: she was basically like, girl, this could be a RaSE,

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Speaker 2: not all of it, but a significant portion, like oh

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Speaker 2: about fifty, so about twenty will be erased, and so

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Speaker 2: the thirty I can pay off by the end of

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Speaker 2: the year. So then I'll be capital D DAPT free

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Speaker 2: and we'll be both debt free, which would be awesome.

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Speaker 3: Okay, I'm gonna make you slow down because I know

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Speaker 3: this whole public student loan forgiveness situation is such a

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Speaker 3: it's so up in the air. Trump's education budget would

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Speaker 3: do away with it, and either people would do a

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Speaker 3: way for it would do away with it with people

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Speaker 3: as of next July twenty eighteen, I believe, and even

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Speaker 3: before that, people who even knew that they qualified didn't

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Speaker 3: really know if they qualified, because the very first people

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Speaker 3: who would have qualified would have become eligible in this October.

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Speaker 1: So I'm not gonna lie.

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Speaker 2: It's been very if it wasn't for the fact, like

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Speaker 2: one of my friends, you know, like all of our

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Speaker 2: like so many of our friends are financial educators. So

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Speaker 2: her specialty is student loans. So how to get your

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Speaker 2: child to school for free? What to do when you're

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Speaker 2: in school so you can go to school for free?

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Speaker 2: And once you graduate, how do you get rid of

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Speaker 2: this student loan that? So that's her specialty. Her name

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Speaker 2: is Angela. Wh I know, I talked about her before,

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Speaker 2: and I keep saying I'm going to have her on

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Speaker 2: and we don't. So I was telling Angela Angela, I said, hey, Angela,

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Speaker 2: you know, I was a school teacher in Newark for

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Speaker 2: a number of years. I don't know if I took

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Speaker 2: advantage of the program?

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Speaker 1: Is it too late?

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Speaker 2: So she basically looked at my my, you know, like

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Speaker 2: when I was working as a teacher, it wasn't in

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Speaker 2: the in the right area because you have to work

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Speaker 2: in a specific like zone or whatever.

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Speaker 1: And I was.

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Speaker 2: And then she also we called the federal like I

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Speaker 2: had direct loans. We called them together to see where

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Speaker 2: there was there something I can do, and they basically

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Speaker 2: were like, yes, like that when Tiffany was working, because

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Speaker 2: I worked for over ten years, which is the requirement.

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Speaker 1: And when I was working, did I was making payments?

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Speaker 1: And I did? I think I made four years of payments.

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Speaker 2: So that they kind of assigned a number to what

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Speaker 2: four years of payments would mean in forgiveness. Now had

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Speaker 2: I known better, but because there were moments when I

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Speaker 2: couldn't afford payments, had I signed up for the income

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Speaker 2: based for payment program, my payments would.

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Speaker 1: Have been really nominal.

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Speaker 2: And even if you paid zero dollars a month in

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Speaker 2: your income based for payment program, that still counted the pament.

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Speaker 2: So had I stayed and paid for the full ten years,

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Speaker 2: many of my fifty thousand.

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Speaker 1: Dollars would have been forgiven. Right now, I didn't know.

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Speaker 2: So I'm like, well, so basically for the years that

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Speaker 2: I put in and the years that I made payments,

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Speaker 2: they're going to forgive about eighteen thousand dollars.

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Speaker 1: So this is like we call federal.

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Speaker 2: Because there's so many questions I didn't know to ask gus.

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Speaker 2: Even when we were first asking, the person on the

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Speaker 2: other line wasn't fully.

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Speaker 3: Well, did you ask your loan servicer?

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Speaker 2: Yes, So first we called nan Vent and then we

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Speaker 2: called Direct Loan because I had both, and I think

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Speaker 2: we took my nan Vent and a loan and brought

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Speaker 2: it to Direct Loan because they were both Federal loan,

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Speaker 2: but one was Namby and one was like direct Loan,

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Speaker 2: and it was Direct Loan. Those are the people that

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Speaker 2: were really instrumental in Okay, Tiffany like, yes, you you

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Speaker 2: fulfill the requirements.

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Speaker 1: And this is what you could be forgiven.

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Speaker 2: And then even then, because my school was such a

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Speaker 2: small school, they couldn't find it.

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Speaker 1: So I actually had to go back.

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Speaker 2: I think, goodness, my dad was the director and get

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Speaker 2: like a like an a notarized letter saying yes, this

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Speaker 2: school was a real school. I was a director. Then

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Speaker 2: I also had to bring my my taxes from back

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Speaker 2: then to say, look, I was paid by the school

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Speaker 2: for those ten years, so it was like a whole

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Speaker 2: it's not a it was for me. It was not

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Speaker 2: an easy process. It's been months and so basically we

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Speaker 2: submitted everything. They're like, okay, yes, you proved it into

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Speaker 2: real school, to the schools in Newark, which is a

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Speaker 2: zone or wherever that that qualified. Three you qualified as

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Speaker 2: a teacher. So all of those things are in order.

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Speaker 2: And so now I'm just kind of waiting for the

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Speaker 2: Hey one, We'll take eighteen thousand dollars awful what you owe,

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Speaker 2: and then if I can pay in cash and full,

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Speaker 2: which I'm going to, they'll take another fifteen percent off.

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Speaker 3: That's interesting. So this is just it's so different from

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Speaker 3: what you hear, because I mean, I write stories about this,

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Speaker 3: My writers write story about this, and your experience is

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Speaker 3: so unique, and I feel like this is just this

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Speaker 3: is just proof that if you're confused about it, at

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Speaker 3: least call, like at least call and ask the questions

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Speaker 3: and figure it out. And because I don't know, it

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Speaker 3: seems like it seems like even some of the servicers

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Speaker 3: are as confused as we are. And then they kind

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Speaker 3: of just have to work out something.

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Speaker 2: And honestly, it wasn't and I didn't find the server

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Speaker 2: to be like rude or not. She really didn't know.

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Speaker 2: Because Angela was so well versed. She was like, well,

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Speaker 2: isn't it true that if she you know so? And

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Speaker 2: she'd be like, oh, well, let me ask my supervis

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Speaker 2: Oh yeah, you're right. So we were on the phone

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Speaker 2: with the servicer a good twenty five minutes, where Angela

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Speaker 2: was basically coaching her through. Well, that's not necessarily true

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Speaker 2: because if you look, Tiffany does qualify or you know.

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Speaker 2: And so if I'd call him my own, I would

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Speaker 2: have got to know, and then I would have went

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Speaker 2: about my business. And so it's not easy to find,

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Speaker 2: you know. I mean, Angela doesn't do too many one

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Speaker 2: on ones anymore because it's really time consuming. Because we

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Speaker 2: must have been I must have called the servicer with

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Speaker 2: my quote unquote aunt Angela for like, you know, three

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Speaker 2: or four times so and a lot of these providers

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Speaker 2: that help you with the service are not always very reputable.

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Speaker 2: But actually I actually told Angela because she's so knowledgeable,

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Speaker 2: she actually just went to I think she went to

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Speaker 2: go say before Senate or Congress or whatever. So just

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Speaker 2: to she's fighting basically for reform because it's so complicated.

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Speaker 2: I told her, I want to figure out a way

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Speaker 2: to do like a series of like online web classes

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Speaker 2: just so she can walk people through what the general

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Speaker 2: process looks like and what questions they need to ask

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Speaker 2: to advocate for themselves because it is very confusing, and

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Speaker 2: so like look forward to that hopefully, because I know

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Speaker 2: if it wasn't for her, honestly, I would not be

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Speaker 2: saving this. I didn't even know that like one that

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Speaker 2: you know that they were like, I'm like, I was

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Speaker 2: a teacher so long ago, but that they were like, yes,

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Speaker 2: well honor that. Two that if I paid off the

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Speaker 2: rest in full, I could get a fifteen percent discount.

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Speaker 2: And even then even the money that they that they excuse,

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Speaker 2: you know, technically I have to pay taxes on it.

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Speaker 2: And even then Angela says, there's a form that you

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Speaker 2: could fill out where you can basically request for that

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Speaker 2: could be waighed for you not to have to pay

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Speaker 2: taxes on the student loans that were forgiven.

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Speaker 3: So I'm gonna ask you to slow to dial back

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Speaker 3: a bit. So are you talking about two different things.

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Speaker 3: On the one hand, you're you're qualifying for public student

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Speaker 3: loan forgiveness. On the other hand, you're going to settle

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Speaker 3: your debt for less and they're giving you a discount

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Speaker 3: for that.

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Speaker 2: Well, even anytime you don't have to pay anything in full.

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Speaker 2: That they look at it like, Okay, it's not the

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Speaker 2: fifteen percent discount, it's the fact that my loans are forgiven,

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Speaker 2: so that eighteen thousand dollars that it's forgiven. You know,

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Speaker 2: the federal government looks at that like you were forgiven.

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Speaker 2: That's the money you made, right, it's so regardless. So

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Speaker 2: like if I if the whole fifty thousand was forgiven,

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Speaker 2: that's the money they considered that I made, so that

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Speaker 2: I could be on the hook for taxes for that.

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Speaker 1: And she was like, yes, you can't, but there's.

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Speaker 2: A form called the nine to ninety form, and she

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Speaker 2: was like, you know, she filled it out several times

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Speaker 2: with her clients, and she was like, you know, we

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Speaker 2: haven't been denied yet that we can get that that

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Speaker 2: your taxes waived on that, And so there's just so

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Speaker 2: many little nuances that I was just like, Wow, it's

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Speaker 2: like a whole science onto itself.

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Speaker 3: And it's like the government runs our student loan system.

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Speaker 3: I convoluted it is.

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Speaker 2: Honestly, and honestly, there were times I'm not gonna lie

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Speaker 2: I've been working with I mean, I haven't always been

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Speaker 2: like as president like SA I should. But me and

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Speaker 2: Angela have been working on this for like at minimum

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Speaker 2: six to seven months.

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Speaker 3: You know, you've been Yeah, you've given little updates here

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Speaker 3: and there.

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Speaker 2: So it's not been a smooth Like I said, my

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Speaker 2: process is a little bit different because my school was

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Speaker 2: so little so that they just had a hard time

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Speaker 2: finding it. So you you know, if you work at

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Speaker 2: a regular school, they won't have that trouble. But like,

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Speaker 2: oftentimes the loan processors don't even know what you're talking about.

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Speaker 2: Because there were multiple times where she had to be

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Speaker 2: like she'd have to walk them through and say.

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Speaker 1: Go to your system, look for code. And I'm like, wow, Angela,

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Speaker 1: what in the world. How do you know these things?

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Speaker 1: And she was like, this is what I do with

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Speaker 1: my life.

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Speaker 2: Like she's dedicated to this whole student loan reform and

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Speaker 2: waits for people to go to school without having to pay.

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Speaker 1: Angela has nine children and all of them went to school.

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Speaker 3: Whoa whoa nine?

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Speaker 1: Okay and so they all went to school for free.

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Speaker 3: Oh amazing. Okay, So we are definitely going to have

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Speaker 3: Angela on the show. We're we're gonna make it happen.

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Speaker 3: I'll make it happen. I'll make sure I'll make it happen.

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Speaker 3: You give me your information, So what I want you

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Speaker 3: guys to do. We get so many questions from you guys.

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Speaker 3: We love them. So if you have a student loan question,

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Speaker 3: if you have a question about your debt, about loan forgiveness,

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Speaker 3: about whatever's happening, send us your questions now and then

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Speaker 3: in preparation for the show with Angela and we can

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Speaker 3: maybe have her some have her answer some of your

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Speaker 3: your your questions. So to send us a question, you

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Speaker 3: can go to broad Ambition podcast dot com and there's

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Speaker 3: a tab that says ask us anything, or you can

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Speaker 3: just email us at Brown Ambition Podcast at gmail dot com.

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Speaker 3: And I was trying to think of like I know,

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Speaker 3: we talked of you know, this was fascinating, but there's

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Speaker 3: I'm trying to think of like a few takeaways. So

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Speaker 3: one definitely, if you are overwhelmed by your federal debt

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Speaker 3: and you're in the public ser sector and you're confused

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Speaker 3: about this at the very list, at the very least,

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Speaker 3: be making payments on time, or enroll and enroll in

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Speaker 3: in cume based repayment.

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Speaker 1: Well, I don't know that.

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Speaker 2: I'm not sure if you have to be enrolled, but

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Speaker 2: I do know that you have to be making payments.

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Speaker 2: If you're not making payments, and then two forgiveness. Remember

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Speaker 2: it does not happen until after ten years, so one

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Speaker 2: hundred and twenty payments. So so just know that, like,

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Speaker 2: you can enroll now, but you know it's not until

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Speaker 2: after ten years.

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Speaker 1: In that public sector. You're a teacher, you work for bank.

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Speaker 2: Even some people don't realize, like if like a liquor store.

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Speaker 2: She was saying, like our state are they state run state? Oh,

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Speaker 2: that would be considered the public sector. She was like, there,

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Speaker 2: you can actually call w REC loan and say, you know,

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Speaker 2: where's the list or so I can see if my

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Speaker 2: job qualifies for the public sector, because it's not just

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Speaker 2: teacher student loan forgiveness.

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Speaker 1: There's public service. Is it public service? I think it's

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Speaker 1: called public service.

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Speaker 3: Yeah, I'm sorry. If I said teacher, I meant public

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Speaker 3: service loan forgiveness. So we're talking about anyone working for

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Speaker 3: the government, like my husband was considering qualifying or enrolling

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Speaker 3: in public service loan forgiveness. If you're like, I don't know,

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Speaker 3: firefire policeman, any of these, like public service jobs, nonprofits

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Speaker 3: five o' one c three nonprofits. So at least be

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Speaker 3: making payments on time. Call your server to ask about

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Speaker 3: it and ask them to enroll you. This whole Trump

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Speaker 3: this this education proposal is just a proposal. It hasn't

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Speaker 3: been said, It hasn't been voted on at all, I

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Speaker 3: don't think, And they're saying it probably won't pass Congress,

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Speaker 3: so I know people were worried about that, but it

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Speaker 3: may not even happen. So I feel like if you

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Speaker 3: at least take the steps now to prepare yourself to

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Speaker 3: be eligible for it, that's better than like putting your

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Speaker 3: head in the sand and doing nothing.

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Speaker 2: Yeah it is, and you know you can't get you know,

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Speaker 2: forgiveness if you're d what is the word, uh, not defrauded, defunded,

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Speaker 2: the oh it's been a long day, you know what

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Speaker 2: I mean? When you're defaulted, there you go.

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Speaker 3: So when you've missed several payments, basically yeah, yeah, so.

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Speaker 2: You want to make sure because honestly, it's just really scary,

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Speaker 2: like what's really happening out there, what they're pushing for

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Speaker 2: That default used to.

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Speaker 1: Be what ninety days and now.

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Speaker 2: Really the current administration is pushing for default to be

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Speaker 2: after the first payment is missed, which never you know,

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Speaker 2: which never was so for for federal student loans.

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Speaker 3: Man. You know, I don't want to confuse people, but

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Speaker 3: I've heard with some servicers default is two hundred and

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Speaker 3: seventy days, but they have been trying to like keep

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Speaker 3: it lower and lower and lower and lower. It's just

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Speaker 3: so confusing. I mean, I like having I mean, on

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Speaker 3: the one hand, it's great to have the federal government overseeing.

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Speaker 3: I don't want to get into like a political thing,

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Speaker 3: but it's great to have them oversee that. You know,

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Speaker 3: have uh, the student loan program because you get low

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Speaker 3: interest rates, it's guaranteed, you have flexible repayment. But it's

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Speaker 3: just when politics get involved, it's just so complicated for people,

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Speaker 3: and it just makes our job so much harder to

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Speaker 3: try and explain. But we will give you guys a

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Speaker 3: great student loan episode. I promise it is time, and

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Speaker 3: it is time. We promise, So this will be your

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Speaker 3: teaser and then we'll have another show. We'll have Angela,

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Speaker 3: maybe someone else. Come on. Send us your your student

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Speaker 3: loan questions again, Brian Ambition podcast dot Com ask us

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Speaker 3: anything what Fest?

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Speaker 1: I it was lytty. You know, I'm young, naso.

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Speaker 3: It's a thing.

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Speaker 1: I think so, but you know it was it was

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Speaker 1: the time.

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Speaker 2: You know what I really liked about Well, first of all,

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Speaker 2: I was crazy because I got married on Wednesday and

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Speaker 2: flew to Essence Press on Thursday, and I was like,

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Speaker 2: why did I why?

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Speaker 1: It was too much honesty.

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Speaker 2: I was overwhelmed and so but Essence Fest was great

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Speaker 2: because it's just always it's like big black family reunion,

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Speaker 2: so like look at cousin Mary, look at cousin India.

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Speaker 2: What I loved most about Essence Fest was the people

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Speaker 2: are just always really it's such.

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Speaker 1: A great, awesome vibe. So I got to speak for

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Speaker 1: Essence themselves and that went really well. We had like

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Speaker 1: a packed room.

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Speaker 2: And then I also got to speak for Ford and

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Speaker 2: that went really well. But what was really cool was

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Speaker 2: I got to meet up with so there's this secret

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Speaker 2: group which is probably like tippy hush, but you know,

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Speaker 2: I don't know if I mentioned it, did I mention

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Speaker 2: it last year, the West African Vultron Group.

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Speaker 3: You did, yes, oh yes.

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Speaker 2: So it's just a group of super duper amazing West

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Speaker 2: African superstars, like people who are doing like like lovey,

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Speaker 2: you know, people who are doing really well.

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Speaker 1: I mean people who.

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Speaker 2: Are like top folks at major companies and brands like

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Speaker 2: Uber and Apple and the Ibiola from Okay Okay Africa,

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Speaker 2: which is like the number one site for like all

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Speaker 2: Africans to like go to for music and all this

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Speaker 2: so other kind of stuff. So it was great because

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Speaker 2: we have this uh like WhatsApp group and it was

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Speaker 2: like kind of the first time that a lot of

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Speaker 2: a lot of us had actually met in person and

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Speaker 2: so and everybody was so chilling down to earth. We

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Speaker 2: had such a good time and and like just the

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Speaker 2: like the hookups were awesome. Like one of the women

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Speaker 2: were like, hey, who wants you know, we're having brunch

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Speaker 2: with Mary J.

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Speaker 1: Blige. Who wants to go? I'm like, uh, I want

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Speaker 1: to go? And so there was Mary crying on stage.

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Speaker 2: I was like yates And then like uh well, one

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Speaker 2: of the other girls was like, hey, I'm having We're

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Speaker 2: doing the Salon talk with Indie. I read it's gonna

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Speaker 2: be like fifteen people in the room who wants to

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Speaker 2: go much. Indie, I re is my spirit of animal. Well,

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Speaker 2: I got to hug Indie and me or I talked

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Speaker 2: to her, I was like, oh my God, to me,

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Speaker 2: don't freak out.

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Speaker 1: And so it was just really awesome.

438
00:20:05,080 --> 00:20:07,720
Speaker 2: But honestly, the biggest lessons I learned from from Essence

439
00:20:07,920 --> 00:20:09,639
Speaker 2: was I'm not gonna lie. I met a lot of

440
00:20:09,760 --> 00:20:15,080
Speaker 2: top level folks and the happiness level is not that

441
00:20:15,200 --> 00:20:20,720
Speaker 2: high up there. I was so shocked at how many sad,

442
00:20:21,200 --> 00:20:23,960
Speaker 2: unhappy people I'd met at the top of their game.

443
00:20:24,480 --> 00:20:27,879
Speaker 3: Wow. And I think it was tell me because I'm interested.

444
00:20:27,920 --> 00:20:28,840
Speaker 3: I'm fascinated by that.

445
00:20:29,320 --> 00:20:33,320
Speaker 1: Yeah, Honestly, it was that they had allowed.

446
00:20:34,320 --> 00:20:36,600
Speaker 2: They had allowed life to get away from them, meaning

447
00:20:36,720 --> 00:20:41,320
Speaker 2: that the success was rolling in so fast that they

448
00:20:41,400 --> 00:20:43,960
Speaker 2: forgot to protect their happiness. So for example, you know,

449
00:20:44,440 --> 00:20:46,359
Speaker 2: I'll just give Mary for exaple, because everybody knows Mary's

450
00:20:46,359 --> 00:20:48,760
Speaker 2: going through a divorce, right, So here's Mary J. Blige,

451
00:20:48,800 --> 00:20:52,640
Speaker 2: you know, hip hop R and B goddess that she is.

452
00:20:52,720 --> 00:20:56,040
Speaker 2: You know, she's number one in that genre. And she

453
00:20:56,480 --> 00:20:58,159
Speaker 2: spoke and this is what she said, Like, you know,

454
00:20:58,240 --> 00:21:01,280
Speaker 2: she they had recorded, and I recorded it too, that

455
00:21:01,640 --> 00:21:05,840
Speaker 2: for ten years she's been unhappy ten years because of

456
00:21:05,880 --> 00:21:08,160
Speaker 2: the marriage that she was in, and she was afraid

457
00:21:08,160 --> 00:21:10,159
Speaker 2: to kind of like let people know that she had

458
00:21:10,160 --> 00:21:12,480
Speaker 2: made a mistake and this was not the person that

459
00:21:12,520 --> 00:21:15,640
Speaker 2: she wanted to be with because of where the position

460
00:21:15,720 --> 00:21:17,359
Speaker 2: she was in in life, and not wanted to be

461
00:21:17,400 --> 00:21:20,639
Speaker 2: embarrassed and not wanted And I just thought, like allowing

462
00:21:21,920 --> 00:21:27,280
Speaker 2: the outside perception to overshadow the inward reality.

463
00:21:27,320 --> 00:21:29,440
Speaker 1: And that's what I saw over and over and over

464
00:21:30,000 --> 00:21:31,120
Speaker 1: that I'm.

465
00:21:30,960 --> 00:21:35,639
Speaker 2: The president of you know, XYZ Huge Corporation, but honestly,

466
00:21:35,960 --> 00:21:37,760
Speaker 2: I kind of wish I spent more time at home

467
00:21:37,760 --> 00:21:39,840
Speaker 2: with my kids, but I can't say that because as

468
00:21:39,920 --> 00:21:42,719
Speaker 2: president of XYZ Corporation and a woman, you know, if

469
00:21:42,720 --> 00:21:44,680
Speaker 2: you say that, that's weakness. So instead, I just won't

470
00:21:44,680 --> 00:21:47,600
Speaker 2: see my kids and I'll just be miserable at work, crying.

471
00:21:48,280 --> 00:21:52,439
Speaker 2: And You're like, what, Like, it's the pressure of keeping

472
00:21:52,560 --> 00:21:55,359
Speaker 2: up with what you've created on the outside, even if

473
00:21:55,359 --> 00:21:57,560
Speaker 2: it's no longer match what you wanted on the inside.

474
00:21:58,000 --> 00:22:02,600
Speaker 2: And it was such a eye opening experience, Mandy. Honestly,

475
00:22:02,760 --> 00:22:04,440
Speaker 2: I was like, whoa, whoa, whoa, whoa whoa.

476
00:22:04,560 --> 00:22:04,920
Speaker 1: It was.

477
00:22:05,160 --> 00:22:08,160
Speaker 2: It came at perfect timing because as my businesses start

478
00:22:08,200 --> 00:22:12,520
Speaker 2: to grow, I'm at the tipping point of like next

479
00:22:12,640 --> 00:22:15,399
Speaker 2: level for myself and my businesses, and and now I

480
00:22:15,440 --> 00:22:17,800
Speaker 2: just got married, and it was literally like, Tiffany, what

481
00:22:17,840 --> 00:22:20,040
Speaker 2: are you going to choose? And it was such a

482
00:22:20,119 --> 00:22:23,600
Speaker 2: such a great time for that lesson to be relearned

483
00:22:23,640 --> 00:22:27,120
Speaker 2: because obviously I'm choosing Boo and Superman and like like,

484
00:22:28,000 --> 00:22:30,119
Speaker 2: even if it means taking a step back and making

485
00:22:30,200 --> 00:22:32,200
Speaker 2: less and doing less, I'm okay with that now.

486
00:22:32,240 --> 00:22:32,720
Speaker 1: I don't you know.

487
00:22:32,760 --> 00:22:34,720
Speaker 2: I'm still gonna go for my goals and stuff like that,

488
00:22:34,760 --> 00:22:38,840
Speaker 2: but not I'm not going to sacrifice what truly makes

489
00:22:38,880 --> 00:22:41,320
Speaker 2: me happy for what looks good on the outside, because

490
00:22:41,359 --> 00:22:43,040
Speaker 2: I've seen what it looks like. I mean, some of

491
00:22:43,080 --> 00:22:44,800
Speaker 2: these people are like when I say top of their game,

492
00:22:45,040 --> 00:22:49,000
Speaker 2: chief marketing officer of X y Z, like CEO, I

493
00:22:49,040 --> 00:22:52,359
Speaker 2: mean major positions. And most of these were women, obviously,

494
00:22:52,359 --> 00:22:55,080
Speaker 2: because it's essence and the sadness there. I mean like

495
00:22:55,119 --> 00:22:57,200
Speaker 2: literally we were I was in a room of these

496
00:22:57,240 --> 00:22:59,680
Speaker 2: top level women and they were commiserating together and.

497
00:22:59,640 --> 00:23:04,360
Speaker 1: Crying, Mandy a rying, and I was like, what is happening.

498
00:23:05,520 --> 00:23:07,800
Speaker 3: I feel like you and I. I don't know. I've

499
00:23:07,840 --> 00:23:11,080
Speaker 3: been having the exact same thoughts with my career as

500
00:23:11,080 --> 00:23:13,760
Speaker 3: you just talked about. Like I've been thinking a lot

501
00:23:13,840 --> 00:23:17,760
Speaker 3: about my happiness level. I've had a really good few

502
00:23:17,840 --> 00:23:21,760
Speaker 3: years and I'm making triple what I was making a

503
00:23:21,760 --> 00:23:26,400
Speaker 3: couple of years ago, and that is fantastic and it's exciting,

504
00:23:26,920 --> 00:23:29,720
Speaker 3: and in my head, I've been you know how they

505
00:23:29,720 --> 00:23:31,399
Speaker 3: have those studies that come out where it's like the

506
00:23:31,440 --> 00:23:36,320
Speaker 3: happiness the peak happiness salary, Like after a certain salary,

507
00:23:36,359 --> 00:23:39,600
Speaker 3: here's where happiness seems to level off. I think it's

508
00:23:39,640 --> 00:23:42,840
Speaker 3: around seventy thousand dollars. I feel like that's true. I

509
00:23:42,840 --> 00:23:45,800
Speaker 3: don't think. I mean, it's just shocking to me. You know,

510
00:23:45,840 --> 00:23:50,280
Speaker 3: I had a great year financially, and I'm sitting here

511
00:23:50,320 --> 00:23:52,879
Speaker 3: and I'm like, I'm not any happier because of the money,

512
00:23:54,720 --> 00:23:57,480
Speaker 3: and I'm not getting any happier. I've had two really

513
00:23:57,480 --> 00:23:59,639
Speaker 3: successful years and I thought was like, oh, this is

514
00:23:59,680 --> 00:24:01,560
Speaker 3: amazing last year, and now it's like it's even more

515
00:24:01,560 --> 00:24:05,880
Speaker 3: amazing this year, and I personally haven't felt like happier

516
00:24:05,960 --> 00:24:09,239
Speaker 3: on the inside, and so it's made me think, what

517
00:24:09,359 --> 00:24:12,840
Speaker 3: is making me happier. It is my relationships. I mean,

518
00:24:12,880 --> 00:24:15,680
Speaker 3: it's simple stuff, but to actually think about it, it's

519
00:24:15,720 --> 00:24:18,000
Speaker 3: the fact that I still take trips. It's the fact

520
00:24:18,000 --> 00:24:19,679
Speaker 3: that I still see my friends all the time, and

521
00:24:19,720 --> 00:24:22,639
Speaker 3: I spend money on you know, going to see my

522
00:24:22,680 --> 00:24:26,679
Speaker 3: friends and spending you know, spending time with with my

523
00:24:26,800 --> 00:24:30,040
Speaker 3: husband and his family, and it's just so simple. And

524
00:24:30,080 --> 00:24:32,680
Speaker 3: you're right, it's so easy to let things get away

525
00:24:32,680 --> 00:24:34,480
Speaker 3: from you. And I feel like I'm at the point

526
00:24:34,520 --> 00:24:36,560
Speaker 3: in my career with this. You know, we were recently

527
00:24:36,600 --> 00:24:39,040
Speaker 3: acquired and it's really exciting and it means that my

528
00:24:39,160 --> 00:24:42,040
Speaker 3: job gets bigger and more. There's a lot more pressure,

529
00:24:42,520 --> 00:24:46,320
Speaker 3: and I am like so cognizant of the fact that

530
00:24:46,560 --> 00:24:49,400
Speaker 3: I need to hire the best team I can possibly

531
00:24:49,480 --> 00:24:52,520
Speaker 3: hire because they need to be there to support me

532
00:24:52,600 --> 00:24:56,360
Speaker 3: because I cannot. I don't want to be. I don't

533
00:24:56,400 --> 00:24:58,520
Speaker 3: want to. It's almost like I have the opportunity to

534
00:24:58,560 --> 00:25:02,000
Speaker 3: either build the best career for myself, the best sort

535
00:25:02,000 --> 00:25:04,920
Speaker 3: of team, or I can build my own coffin. Basically, yeah,

536
00:25:05,359 --> 00:25:07,720
Speaker 3: I can just bury myself. I can hire bad people

537
00:25:07,800 --> 00:25:10,119
Speaker 3: or be too proud to hire anybody at all and

538
00:25:10,240 --> 00:25:12,920
Speaker 3: try and do it all myself, and I don't know.

539
00:25:13,320 --> 00:25:15,159
Speaker 3: I'm in a unique position. I feel like because I

540
00:25:15,640 --> 00:25:19,679
Speaker 3: I can sort of, I can, I don't know, create

541
00:25:19,720 --> 00:25:25,639
Speaker 3: my own work schedule, create my own work environment in

542
00:25:25,680 --> 00:25:28,480
Speaker 3: a way that I haven't been able to before. And

543
00:25:28,520 --> 00:25:30,639
Speaker 3: I want it to be one. I want it to

544
00:25:30,680 --> 00:25:32,160
Speaker 3: be one where I can still leave it at a

545
00:25:32,200 --> 00:25:34,600
Speaker 3: decent hour. I want it to be one where I

546
00:25:34,600 --> 00:25:37,040
Speaker 3: still don't have to check email at like nine o'clock

547
00:25:37,040 --> 00:25:42,080
Speaker 3: at night and deal with corporate crap. And I don't know,

548
00:25:42,160 --> 00:25:46,760
Speaker 3: I'm just I'm not afraid, but I'm nervous. It makes

549
00:25:46,840 --> 00:25:49,600
Speaker 3: me nervous. It makes me feel like it could all

550
00:25:50,080 --> 00:25:52,320
Speaker 3: it could all go another way, and I could end

551
00:25:52,400 --> 00:25:56,720
Speaker 3: up like you said, those people who are you know, promoted, promoted, promoted, promoted,

552
00:25:56,760 --> 00:25:59,600
Speaker 3: and then reach the top level and are I don't know,

553
00:25:59,640 --> 00:26:00,800
Speaker 3: sobbing in a room full of.

554
00:26:02,920 --> 00:26:05,960
Speaker 2: Yo It was so crazy. I remember one of you know.

555
00:26:06,520 --> 00:26:08,480
Speaker 2: It struck me because like, of course, who didn't want

556
00:26:08,480 --> 00:26:10,040
Speaker 2: a picture of Mary? Because we were all able to

557
00:26:10,040 --> 00:26:12,359
Speaker 2: get in a picture. She got up on stage explained

558
00:26:12,359 --> 00:26:14,199
Speaker 2: how she was like because it was a brunch for

559
00:26:14,240 --> 00:26:18,239
Speaker 2: a plant parenthood and because Mary supports plant parenthood and

560
00:26:18,320 --> 00:26:18,680
Speaker 2: so they.

561
00:26:18,560 --> 00:26:21,439
Speaker 1: Were honoring her, you know, and she got up on stage.

562
00:26:21,440 --> 00:26:23,760
Speaker 2: She starts to talk, you know, and starts to cry,

563
00:26:23,800 --> 00:26:25,720
Speaker 2: and basically to be honest and say, you know, I'm

564
00:26:25,760 --> 00:26:28,240
Speaker 2: tired of living this fake life. I'm just gonna be honest.

565
00:26:28,280 --> 00:26:31,359
Speaker 2: I know I might look crazy. I don't even care anymore, right, Like,

566
00:26:31,480 --> 00:26:34,000
Speaker 2: I'd rather just be actually happy on the inside, even

567
00:26:34,000 --> 00:26:36,239
Speaker 2: if it looks crazy on the outside. And so and

568
00:26:36,280 --> 00:26:38,199
Speaker 2: so she gets off stage. She has her glasses on.

569
00:26:38,440 --> 00:26:40,919
Speaker 2: She's for rail and I mean, I've never seen Mary

570
00:26:40,960 --> 00:26:43,600
Speaker 2: in person before, you know, so I don't know if

571
00:26:43,600 --> 00:26:45,359
Speaker 2: this is but you know how you look at someone,

572
00:26:45,480 --> 00:26:50,240
Speaker 2: And it seemed sad frail, not like snatched frail, you

573
00:26:50,240 --> 00:26:52,000
Speaker 2: know what I mean, like I'm losing weight, you know.

574
00:26:52,520 --> 00:26:54,199
Speaker 2: And because she was there with her sister, who they

575
00:26:54,240 --> 00:26:57,240
Speaker 2: looked so much alike, and her sister was also slim,

576
00:26:57,359 --> 00:26:59,800
Speaker 2: but like this like happy, you know, kind of like, oh,

577
00:26:59,840 --> 00:27:00,680
Speaker 2: I'm snatch slim.

578
00:27:01,040 --> 00:27:04,840
Speaker 1: So she seemed so frail and fragile. And everyone was.

579
00:27:04,800 --> 00:27:07,480
Speaker 2: Still lined up for a picture. And here she was

580
00:27:07,560 --> 00:27:10,439
Speaker 2: with her glasses on, tears dripping underneath it, smiling, and

581
00:27:10,480 --> 00:27:13,760
Speaker 2: I thought to myself, she is still caught in the

582
00:27:13,800 --> 00:27:16,040
Speaker 2: matrix and because someone said to me, oh, you want to,

583
00:27:16,080 --> 00:27:17,080
Speaker 2: you know, get in lin with me to get a

584
00:27:17,119 --> 00:27:19,960
Speaker 2: picture of Mary, And I said, uh, how can I

585
00:27:20,000 --> 00:27:22,000
Speaker 2: in good conscience? The woman just got off stage crying,

586
00:27:22,160 --> 00:27:25,240
Speaker 2: why are we still asking her to perform for us?

587
00:27:25,280 --> 00:27:27,320
Speaker 1: Like she's not you know, And I just, I mean,

588
00:27:27,320 --> 00:27:28,080
Speaker 1: I get it, you know, I was not.

589
00:27:28,119 --> 00:27:30,920
Speaker 2: Obviously I'm not judging anyone because it's Mary who doesn't

590
00:27:30,960 --> 00:27:32,280
Speaker 2: want to get a picture, you know, with Mary.

591
00:27:32,640 --> 00:27:34,440
Speaker 1: But I just thought to myself.

592
00:27:34,160 --> 00:27:37,400
Speaker 2: Like, yikes, I don't want to live that life, even

593
00:27:37,400 --> 00:27:40,560
Speaker 2: if it means less. I don't care, because you're right,

594
00:27:40,640 --> 00:27:42,840
Speaker 2: I mean, like I make, I mean, I can't even

595
00:27:43,640 --> 00:27:44,920
Speaker 2: in comparison to what I made when I was a

596
00:27:44,920 --> 00:27:48,400
Speaker 2: school teacher. It's ridiculous, Like what I make in comparison

597
00:27:48,440 --> 00:27:50,560
Speaker 2: to them, Like literally what I used to make a year,

598
00:27:50,640 --> 00:27:52,679
Speaker 2: I make a month, sometimes even in a week, what

599
00:27:52,720 --> 00:27:54,199
Speaker 2: I used to make as a school teacher for the

600
00:27:54,240 --> 00:27:57,000
Speaker 2: whole year. And yet when I was a school teacher,

601
00:27:57,040 --> 00:28:00,080
Speaker 2: I was happy. Honestly, I love the babies and I'm happy.

602
00:28:00,440 --> 00:28:03,719
Speaker 2: But I'm not gonna lie. My budget has probably changed

603
00:28:03,720 --> 00:28:06,240
Speaker 2: by like if my life probably cost me maybe maybe

604
00:28:06,240 --> 00:28:08,800
Speaker 2: about one thousand dollars more month than when I was

605
00:28:08,840 --> 00:28:10,840
Speaker 2: a school teacher, because I'm still like a cheap bob.

606
00:28:10,880 --> 00:28:13,600
Speaker 1: That's just like my nature. So the money.

607
00:28:13,320 --> 00:28:15,800
Speaker 2: Hasn't shifted anything. I mean, you see me, I just

608
00:28:15,840 --> 00:28:17,359
Speaker 2: finally got a cars so I could not die in

609
00:28:17,400 --> 00:28:21,320
Speaker 2: my own one. So the money hasn't shifted my happiness

610
00:28:21,359 --> 00:28:24,040
Speaker 2: quoting up, So I just want to be really mindful,

611
00:28:24,480 --> 00:28:28,760
Speaker 2: you know of like really protecting my happiness, even if

612
00:28:28,760 --> 00:28:32,440
Speaker 2: that means pushing other opportunities away, because at the end,

613
00:28:32,480 --> 00:28:33,359
Speaker 2: what does it all mean?

614
00:28:34,359 --> 00:28:36,560
Speaker 1: So yeah, Essence, best fool cha child. It was a

615
00:28:36,560 --> 00:28:38,640
Speaker 1: great lesson. I mean, you know, I also got to

616
00:28:38,640 --> 00:28:41,000
Speaker 1: see have do you watch Insecure?

617
00:28:41,040 --> 00:28:44,800
Speaker 3: And Mandy do I did? I? Yes, wasn't I just

618
00:28:44,880 --> 00:28:49,240
Speaker 3: spanning fangirling out over Avida because she said that foreviy

619
00:28:49,320 --> 00:28:51,360
Speaker 3: that she said that she worked on the show. She's

620
00:28:51,400 --> 00:28:52,520
Speaker 3: like an executive producer.

621
00:28:52,880 --> 00:28:55,160
Speaker 2: Yes, no, no, no, no, no, Avida is not. She

622
00:28:55,280 --> 00:28:56,680
Speaker 2: was like, I think she just like got like a

623
00:28:56,680 --> 00:28:59,280
Speaker 2: little spot like she went to go visit Lisa and

624
00:28:59,440 --> 00:29:02,000
Speaker 2: got like, you know, they taped her. But no, actually

625
00:29:02,000 --> 00:29:03,280
Speaker 2: I saw a Veto on the plane to Essence.

626
00:29:03,320 --> 00:29:06,000
Speaker 1: It was funny. We sat next to each other and so.

627
00:29:06,520 --> 00:29:09,360
Speaker 2: But when we were down there, Isa Ray had two

628
00:29:09,520 --> 00:29:14,120
Speaker 2: viewings to see the next episode shot it is lit, lit, lit.

629
00:29:14,480 --> 00:29:16,120
Speaker 3: I thought you were gonna come me. She's very unhappy

630
00:29:16,120 --> 00:29:17,040
Speaker 3: and I was like, no, not.

631
00:29:18,200 --> 00:29:20,360
Speaker 1: Well, no, honestly, it's just seemed like cool.

632
00:29:20,360 --> 00:29:21,840
Speaker 2: I don't know, you know, her energy seemed up and

633
00:29:21,840 --> 00:29:23,960
Speaker 2: happy and it was the room was just so great.

634
00:29:24,040 --> 00:29:26,760
Speaker 1: Solange was watching with us. I said, look at this life.

635
00:29:27,160 --> 00:29:30,280
Speaker 1: Solane seems happy like I would be happy.

636
00:29:30,280 --> 00:29:32,239
Speaker 2: Her Boo was with her, who like was funny, were

637
00:29:32,280 --> 00:29:34,160
Speaker 2: not funny, but he was like walking down the steps

638
00:29:34,200 --> 00:29:34,920
Speaker 2: and he tripped and fell.

639
00:29:35,080 --> 00:29:38,320
Speaker 1: I mean I didn't. I didn't giggle only on the inside.

640
00:29:38,360 --> 00:29:41,440
Speaker 3: He needs to protect their brand. Does he not know

641
00:29:41,520 --> 00:29:43,400
Speaker 3: that he needs? He has a lot to live up to.

642
00:29:45,400 --> 00:29:47,520
Speaker 2: I found no, but it was like, it's such a

643
00:29:47,560 --> 00:29:50,680
Speaker 2: great So for those of you who watched Insecure, honestly,

644
00:29:51,040 --> 00:29:53,920
Speaker 2: the next episode I guess for season two is gonna

645
00:29:53,960 --> 00:29:59,320
Speaker 2: be amazing. It's a great episode. It's just so well done. Yeah, no, no, no,

646
00:29:59,240 --> 00:30:00,640
Speaker 2: it's just a great. I mean, I'm not gonna lie.

647
00:30:00,680 --> 00:30:02,800
Speaker 2: I didn't really watch all of episode one. What I

648
00:30:02,840 --> 00:30:04,760
Speaker 2: mean not watch, I mean I didn't watch any of it.

649
00:30:04,840 --> 00:30:07,560
Speaker 2: But I caught up in that one little episode because

650
00:30:07,560 --> 00:30:09,320
Speaker 2: everybody was like kind of sharing. I was like, Oh,

651
00:30:09,400 --> 00:30:11,120
Speaker 2: I see what's happening here, and this is amazing.

652
00:30:11,520 --> 00:30:14,320
Speaker 3: Even the promo for season two is amazing got me

653
00:30:14,400 --> 00:30:19,440
Speaker 3: so excited. Yeah, well that's great. Yeah, I feel like, yeah,

654
00:30:21,520 --> 00:30:24,440
Speaker 3: I don't want to be miserable. And oh here's what

655
00:30:24,480 --> 00:30:27,800
Speaker 3: I was gonna say. I think this is the reason

656
00:30:27,920 --> 00:30:33,160
Speaker 3: why I've I've I struggle, like we have a podcast,

657
00:30:33,320 --> 00:30:36,360
Speaker 3: I am a public figure in media quote unquote, but

658
00:30:36,400 --> 00:30:39,600
Speaker 3: I've never really like leaned into the whole, you know,

659
00:30:39,680 --> 00:30:42,120
Speaker 3: being a personality on social media and stuff, because it

660
00:30:42,200 --> 00:30:44,720
Speaker 3: just felt so fake, Like I don't want I don't

661
00:30:44,720 --> 00:30:47,640
Speaker 3: want my Instagram to just be like, you know, inspirational

662
00:30:47,760 --> 00:30:49,880
Speaker 3: quotes and look at me being this fabulous and look

663
00:30:49,920 --> 00:30:51,320
Speaker 3: at me here and look at me, you know, like

664
00:30:51,600 --> 00:30:54,880
Speaker 3: it just drives me nuts. And so I constantly go

665
00:30:55,000 --> 00:30:56,920
Speaker 3: public and private on my Instagram feed. Maybe if you

666
00:30:56,960 --> 00:30:58,280
Speaker 3: tried to follow me and it was like, oh it's

667
00:30:58,320 --> 00:31:00,880
Speaker 3: closed account, just wait a few days, I'm not open it.

668
00:31:01,400 --> 00:31:03,280
Speaker 3: I go back and forth because I want to I

669
00:31:03,280 --> 00:31:05,080
Speaker 3: want to keep something for myself, and I feel like

670
00:31:05,120 --> 00:31:09,040
Speaker 3: social media can be so depressing, and I've unfollowed a

671
00:31:09,040 --> 00:31:10,880
Speaker 3: lot of people who I feel like this person is

672
00:31:10,920 --> 00:31:13,480
Speaker 3: just being fake. This person is just posting the most

673
00:31:13,520 --> 00:31:16,880
Speaker 3: fabulous you know, it just doesn't feel real and I

674
00:31:17,040 --> 00:31:19,920
Speaker 3: and I think that's okay. I'm just gonna like I

675
00:31:19,920 --> 00:31:22,239
Speaker 3: don't know that. You kind of feel sometimes like oh

676
00:31:22,280 --> 00:31:23,920
Speaker 3: I should be doing this because this is what everyone

677
00:31:23,960 --> 00:31:26,960
Speaker 3: else is doing. Yeah, you know, and I just it's

678
00:31:27,000 --> 00:31:28,760
Speaker 3: not making me happy. So I'm just not doing it,

679
00:31:28,840 --> 00:31:30,720
Speaker 3: you know, And I think that's going to be okay.

680
00:31:31,360 --> 00:31:33,400
Speaker 2: No, But you're right though social media is very it's

681
00:31:33,560 --> 00:31:37,320
Speaker 2: very a weird space because you're like, do I be

682
00:31:37,320 --> 00:31:39,520
Speaker 2: a debbie down and say today's sucking? Sometimes I'll write that,

683
00:31:39,600 --> 00:31:43,160
Speaker 2: I'll say, oh, today was a hard entrepreneur day. In general, yes,

684
00:31:43,240 --> 00:31:45,640
Speaker 2: do I like be an entrepreneur, but today I didn't.

685
00:31:45,880 --> 00:31:48,480
Speaker 2: So I try to share sometimes those sides because I

686
00:31:48,520 --> 00:31:51,000
Speaker 2: like for people to see. I posted my essence lesson,

687
00:31:51,240 --> 00:31:53,280
Speaker 2: you know, I was like, yeah, all this fabulous stuff happened,

688
00:31:53,280 --> 00:31:56,000
Speaker 2: but let me let you know, folks are meageerable, because

689
00:31:56,040 --> 00:31:58,680
Speaker 2: I wanted people to see like, uh, don't be fooled.

690
00:31:58,800 --> 00:32:02,440
Speaker 1: Like it's crazy in these streets because you know, I think.

691
00:32:03,800 --> 00:32:06,080
Speaker 2: I you know, I like to lean on the side

692
00:32:06,120 --> 00:32:10,120
Speaker 2: of positivity, but I also like transparency so people can

693
00:32:10,160 --> 00:32:11,520
Speaker 2: see and choose for themselves.

694
00:32:11,560 --> 00:32:14,320
Speaker 1: Like if you're waiting like for that like.

695
00:32:14,240 --> 00:32:16,720
Speaker 2: You know, that extra ten thousand dollars, or if you're

696
00:32:16,760 --> 00:32:19,080
Speaker 2: waiting for that cute outfit in order for you to

697
00:32:19,080 --> 00:32:21,680
Speaker 2: feel joy, girl, you better get your joy now, because

698
00:32:22,160 --> 00:32:23,760
Speaker 2: it's that's not where it's gonna come from.

699
00:32:23,840 --> 00:32:24,440
Speaker 1: You better hug.

700
00:32:24,840 --> 00:32:26,920
Speaker 2: Like, like today, I was having like a rough day,

701
00:32:27,000 --> 00:32:29,040
Speaker 2: and I was like, you know, I need I need

702
00:32:29,160 --> 00:32:31,600
Speaker 2: Roman and Amelia. That's my niece and my nephew and

703
00:32:31,720 --> 00:32:33,200
Speaker 2: Roman's one and a half and a Milia is like

704
00:32:33,280 --> 00:32:35,160
Speaker 2: four months. And sure enough, as soon as I opened

705
00:32:35,160 --> 00:32:37,880
Speaker 2: the door, he was jumping up and down, clapping like hode,

706
00:32:38,880 --> 00:32:41,760
Speaker 2: you know, and like instantly, whatever it is that I

707
00:32:41,760 --> 00:32:44,440
Speaker 2: was stressed out about went away as I played with

708
00:32:44,520 --> 00:32:47,840
Speaker 2: him and held her. And so that's my happy space.

709
00:32:47,880 --> 00:32:50,080
Speaker 2: And so finding kind of like what your happy space

710
00:32:50,160 --> 00:32:53,680
Speaker 2: kind of looks like outside of you know, these external

711
00:32:54,160 --> 00:32:56,400
Speaker 2: kind of like you know, whatever fame or fortune or

712
00:32:56,440 --> 00:32:57,600
Speaker 2: whatever that kind of looks like.

713
00:32:58,040 --> 00:32:59,880
Speaker 3: I'm glad they we're calling a happy space. No more,

714
00:33:00,080 --> 00:33:03,600
Speaker 3: no more. Freaking balance. Let's ban the word balance. Yeah,

715
00:33:03,720 --> 00:33:08,400
Speaker 3: there's no such thing. There's no such thing. But yeah, well,

716
00:33:08,440 --> 00:33:10,400
Speaker 3: if you guys, I don't know, if you guys want

717
00:33:10,400 --> 00:33:14,840
Speaker 3: to share mh something that you feel makes you happy,

718
00:33:15,000 --> 00:33:19,560
Speaker 3: advice on how you find your little happiness in life.

719
00:33:20,760 --> 00:33:23,320
Speaker 3: Let us know. I'm always open to. Just don't tell

720
00:33:23,320 --> 00:33:27,480
Speaker 3: me it's yoga because I hate yoga. Never going to

721
00:33:27,520 --> 00:33:30,280
Speaker 3: be a yo a yoga person. I started my book

722
00:33:30,280 --> 00:33:32,760
Speaker 3: club this summer. It's made me so happy. I started

723
00:33:32,800 --> 00:33:37,000
Speaker 3: my own book club of one. I have no other members.

724
00:33:37,200 --> 00:33:37,720
Speaker 3: It's a clue.

725
00:33:39,360 --> 00:33:42,080
Speaker 1: I say, what do you guys, what are you personally reading?

726
00:33:42,440 --> 00:33:45,080
Speaker 3: There's thirty books. Oh well, you know how I used

727
00:33:45,080 --> 00:33:47,040
Speaker 3: to get summer assignments. I used to love reading books

728
00:33:47,040 --> 00:33:48,680
Speaker 3: in the summer. That's all I would do because I

729
00:33:48,720 --> 00:33:52,560
Speaker 3: was so bored in Fayetteville, Georgia. But I just haven't

730
00:33:52,560 --> 00:33:54,280
Speaker 3: done it in so long. And I've tried to join

731
00:33:54,320 --> 00:33:56,440
Speaker 3: book clubs, but they're not serious enough for me. They

732
00:33:56,520 --> 00:33:58,600
Speaker 3: just takes you long. They give you like two months

733
00:33:58,600 --> 00:34:00,840
Speaker 3: to read one book, and then it's always like not

734
00:34:00,920 --> 00:34:03,520
Speaker 3: the greatest book. So I'm just doing it for myself.

735
00:34:03,600 --> 00:34:05,640
Speaker 3: And I spent a lot of money on books and

736
00:34:05,880 --> 00:34:07,800
Speaker 3: I feel like that I don't know, that's something I

737
00:34:07,840 --> 00:34:09,799
Speaker 3: haven't spent money on in a while that I that

738
00:34:09,880 --> 00:34:12,160
Speaker 3: I feel good about. That's just one small thing I

739
00:34:12,160 --> 00:34:14,960
Speaker 3: feel like I've done this summer. And I'll know that

740
00:34:15,040 --> 00:34:16,800
Speaker 3: works getting too out of control. When I feel like

741
00:34:16,840 --> 00:34:19,160
Speaker 3: I can't read a book a week. That's what I'll

742
00:34:19,200 --> 00:34:20,480
Speaker 3: know something is off.

743
00:34:21,080 --> 00:34:23,040
Speaker 1: Yeah, that's good. That's a good like measuring stick.

744
00:34:23,120 --> 00:34:25,840
Speaker 2: Like I like just I like I like living Extra

745
00:34:25,920 --> 00:34:27,719
Speaker 2: Park because it's just like sometimes I'll just drive and

746
00:34:27,880 --> 00:34:29,719
Speaker 2: sit in a car with the windows down, and like

747
00:34:30,360 --> 00:34:32,920
Speaker 2: I actually watched it like a oh, I don't want

748
00:34:32,920 --> 00:34:36,520
Speaker 2: to call a documentary, but kind of a docu video

749
00:34:36,680 --> 00:34:40,520
Speaker 2: that it's on iTunes called Can't Stop, Won't Stop. It

750
00:34:40,640 --> 00:34:43,880
Speaker 2: kind of shows like uh Puffy p Diddy like in

751
00:34:43,920 --> 00:34:47,600
Speaker 2: the beginning and him preparing for the bad board world towards.

752
00:34:47,400 --> 00:34:49,520
Speaker 1: That he had. So that was kind of cool.

753
00:34:49,600 --> 00:34:51,840
Speaker 2: Like literally, I took my laptop to the park and

754
00:34:51,880 --> 00:34:53,319
Speaker 2: watched it in the park, and I was like, why

755
00:34:53,320 --> 00:34:54,960
Speaker 2: are you always in the house. Get out of the house,

756
00:34:55,560 --> 00:34:57,640
Speaker 2: you know, because honestly, it's.

757
00:34:57,160 --> 00:34:58,200
Speaker 3: Just a change of scenery.

758
00:34:58,239 --> 00:34:58,600
Speaker 1: Yeah.

759
00:34:58,719 --> 00:35:01,000
Speaker 2: Yeah, so everybody has to little thing you should figure

760
00:35:01,000 --> 00:35:02,600
Speaker 2: you should kind of have a list of a mental

761
00:35:02,640 --> 00:35:05,640
Speaker 2: list of kind of like your your little like happiness

762
00:35:05,640 --> 00:35:07,360
Speaker 2: points and you're like, oh, I love India, re I

763
00:35:07,400 --> 00:35:09,799
Speaker 2: play her music. You know, maybe it's a walk, maybe

764
00:35:09,840 --> 00:35:12,640
Speaker 2: it's a friend that you call. Everybody should have something

765
00:35:12,680 --> 00:35:14,800
Speaker 2: that they can kind of lean into because.

766
00:35:14,960 --> 00:35:17,200
Speaker 1: Show this world is life.

767
00:35:17,840 --> 00:35:28,200
Speaker 4: It ain't easy.

768
00:35:29,040 --> 00:35:33,040
Speaker 3: All right, let's move on to some questions. We have

769
00:35:33,120 --> 00:35:37,120
Speaker 3: to answer questions in a long time. I know if

770
00:35:37,120 --> 00:35:38,839
Speaker 3: you guys have questions, you know where to send them.

771
00:35:38,840 --> 00:35:41,160
Speaker 3: We want your student loan questions specifically, but any old

772
00:35:41,239 --> 00:35:44,040
Speaker 3: question will do. You can go to broad Ambition Podcast

773
00:35:44,239 --> 00:35:47,279
Speaker 3: at gmail dot com to email us directly, or broad

774
00:35:47,280 --> 00:35:50,319
Speaker 3: Ambition podcast dot com if you want to do things

775
00:35:50,320 --> 00:35:54,000
Speaker 3: a hard way and uh, hit the ask us anything

776
00:35:54,080 --> 00:35:56,719
Speaker 3: tab on top of the site. Oh we didn't even

777
00:35:56,840 --> 00:35:58,799
Speaker 3: mention we're gonna have this on the site soon. But

778
00:35:59,440 --> 00:36:01,920
Speaker 3: we had a we had a bit of a media

779
00:36:02,000 --> 00:36:04,960
Speaker 3: moment a couple of weeks ago when you were featured

780
00:36:05,040 --> 00:36:08,440
Speaker 3: in a little magazine called Fast Company. Have you heard

781
00:36:08,440 --> 00:36:08,719
Speaker 3: of it?

782
00:36:09,600 --> 00:36:10,319
Speaker 4: Have you heard of it?

783
00:36:10,400 --> 00:36:13,480
Speaker 3: I've heard of it. It was freaking awesome. I have

784
00:36:13,520 --> 00:36:15,000
Speaker 3: a copy for you. By the way, I like, I

785
00:36:15,040 --> 00:36:16,879
Speaker 3: got them to send me a couple of copies because

786
00:36:16,880 --> 00:36:18,359
Speaker 3: I'm old school and I want to clip it out

787
00:36:18,400 --> 00:36:19,160
Speaker 3: and put it on the fridge.

788
00:36:19,880 --> 00:36:20,080
Speaker 1: Yeah.

789
00:36:20,120 --> 00:36:23,399
Speaker 3: They named us the top five or in the top

790
00:36:23,480 --> 00:36:26,200
Speaker 3: five of their business podcast.

791
00:36:25,760 --> 00:36:28,200
Speaker 1: To listen to freaking awesome, which.

792
00:36:28,040 --> 00:36:31,000
Speaker 3: Is freaking awesome. And it's not like we knew anybody there.

793
00:36:31,080 --> 00:36:33,160
Speaker 3: It's not like anyone gave us the wink wink will

794
00:36:33,200 --> 00:36:35,520
Speaker 3: put you on the list. It just happened organically, and

795
00:36:35,560 --> 00:36:36,600
Speaker 3: that's how I like it.

796
00:36:36,320 --> 00:36:39,080
Speaker 1: It just shows maybe you listening.

797
00:36:39,320 --> 00:36:42,279
Speaker 3: Maybe listening. You guys have supported us. Thank you so

798
00:36:42,680 --> 00:36:46,200
Speaker 3: much and keep the love coming. Go to iTunes and

799
00:36:46,280 --> 00:36:49,520
Speaker 3: leave us a review. The more reviews we have, the

800
00:36:49,520 --> 00:36:52,439
Speaker 3: more love iTunes will give us, and the more likely

801
00:36:52,480 --> 00:36:55,560
Speaker 3: it is for folks to find our show. So thank you,

802
00:36:55,760 --> 00:36:59,080
Speaker 3: thank you, thank you, thank you. Okay, now it's about you, guys.

803
00:36:59,239 --> 00:37:02,800
Speaker 3: We have a question. This question our first one. Actually

804
00:37:03,200 --> 00:37:05,400
Speaker 3: I love this question because I get this a lot

805
00:37:05,440 --> 00:37:09,479
Speaker 3: Magnify money. It's from listener Ayana, who has a question

806
00:37:09,520 --> 00:37:20,560
Speaker 3: about co signing. She says, no, sorry, go ahead and

807
00:37:20,600 --> 00:37:23,160
Speaker 3: we're done. There you go, Ayana. No, this is another

808
00:37:23,920 --> 00:37:26,560
Speaker 3: this isn't should I this is she's already done it. Okay,

809
00:37:27,160 --> 00:37:29,359
Speaker 3: she says, I co signed on a car loan. It's

810
00:37:29,400 --> 00:37:31,480
Speaker 3: too late for her. I co signed on a car

811
00:37:31,560 --> 00:37:33,920
Speaker 3: loan a few years ago for a family member. He

812
00:37:33,960 --> 00:37:36,359
Speaker 3: can't pay off the loan, and I'm stuck with his

813
00:37:36,840 --> 00:37:39,960
Speaker 3: debt on my report? How can I be removed as

814
00:37:39,960 --> 00:37:42,520
Speaker 3: a co signer? Payments have not been made for a

815
00:37:42,560 --> 00:37:45,360
Speaker 3: long time, so he's not in good standing, and selling

816
00:37:45,360 --> 00:37:48,359
Speaker 3: the car isn't an option because he doesn't know where

817
00:37:48,360 --> 00:37:48,680
Speaker 3: it is.

818
00:37:49,040 --> 00:37:49,320
Speaker 1: Help.

819
00:37:50,000 --> 00:37:53,520
Speaker 3: Okay, so we'll just forget the part where the car

820
00:37:53,600 --> 00:37:55,680
Speaker 3: is lost somehow.

821
00:37:56,239 --> 00:38:02,400
Speaker 5: Yeah, because typically the only kind of two ways that

822
00:38:02,440 --> 00:38:04,319
Speaker 5: I've heard of people getting out of co signing is

823
00:38:04,360 --> 00:38:07,480
Speaker 5: one basically selling the whatever the thing is that you

824
00:38:07,560 --> 00:38:08,359
Speaker 5: have co signed for.

825
00:38:09,080 --> 00:38:12,560
Speaker 2: Or two, Sometimes the reason why someone needs a co

826
00:38:12,680 --> 00:38:16,920
Speaker 2: signer is because the bank or whoever's loading them the

827
00:38:16,960 --> 00:38:20,080
Speaker 2: money doesn't feel like they can trust them to make

828
00:38:20,080 --> 00:38:23,160
Speaker 2: on time payments. So if they've made a series of

829
00:38:23,320 --> 00:38:27,200
Speaker 2: significant on time and in full payments, then at some

830
00:38:27,320 --> 00:38:29,920
Speaker 2: point you can kind of say, hey, I'm no longer

831
00:38:29,960 --> 00:38:31,719
Speaker 2: needed in this process because they've shown you for the

832
00:38:31,760 --> 00:38:34,160
Speaker 2: last year that they pay and oftentimes they'll do like

833
00:38:34,760 --> 00:38:37,120
Speaker 2: you can request to be taken off because this person

834
00:38:37,120 --> 00:38:39,160
Speaker 2: has paid for the last two years, so two of

835
00:38:39,200 --> 00:38:41,120
Speaker 2: those things are not working in your favor right now.

836
00:38:41,680 --> 00:38:46,880
Speaker 2: So I'm not gonna lie. I don't I s.

837
00:38:47,640 --> 00:38:49,400
Speaker 3: This is a good example of why it's not a

838
00:38:49,400 --> 00:38:52,200
Speaker 3: good idea to co sign unless you're one hundred percent sure,

839
00:38:53,400 --> 00:38:55,359
Speaker 3: even it's a family member, that they're going to pay

840
00:38:55,360 --> 00:38:58,680
Speaker 3: it off. There's a third option though, for getting removed

841
00:38:58,680 --> 00:39:02,160
Speaker 3: as a co signer, which is to get the loan refinanced.

842
00:39:02,920 --> 00:39:06,040
Speaker 3: If they can get the loan refinance, that means basically,

843
00:39:06,040 --> 00:39:07,759
Speaker 3: they're going to take a new loan, use it to

844
00:39:07,760 --> 00:39:10,200
Speaker 3: pay off their existing loan, and when they do, they'll

845
00:39:10,239 --> 00:39:12,839
Speaker 3: be the only ones on the new loan. But that

846
00:39:12,840 --> 00:39:14,680
Speaker 3: doesn't seem like it's going to be a good option either.

847
00:39:14,800 --> 00:39:18,120
Speaker 3: Why because in order to get a loan refinanced, you're

848
00:39:18,120 --> 00:39:20,839
Speaker 3: gonna have to have good credit, decent credit at least

849
00:39:20,920 --> 00:39:24,960
Speaker 3: high six hundreds low seven hundreds at the minimum. And

850
00:39:25,000 --> 00:39:27,120
Speaker 3: it sounds like he's been missing payments, which tells me

851
00:39:27,160 --> 00:39:30,080
Speaker 3: his credit card his credit score is probably not high enough.

852
00:39:31,480 --> 00:39:34,719
Speaker 3: That being said, you could I don't really know his

853
00:39:34,800 --> 00:39:37,200
Speaker 3: credit score. I don't know how many miss payments he's had.

854
00:39:37,239 --> 00:39:40,640
Speaker 3: Maybe there's a chance, so maybe talk to him, see

855
00:39:40,640 --> 00:39:43,680
Speaker 3: if he'll go to a credit union or shop around

856
00:39:43,680 --> 00:39:47,239
Speaker 3: for a refi loan and see if that can be

857
00:39:47,320 --> 00:39:52,680
Speaker 3: an option. Or unfortunately, maybe try and help him make

858
00:39:52,719 --> 00:39:55,279
Speaker 3: some on time payments. I know that sucks, but it's

859
00:39:55,360 --> 00:39:56,960
Speaker 3: like what else? What else do you have to do?

860
00:39:57,000 --> 00:40:00,279
Speaker 3: I mean, if you help him make payments, you're at

861
00:40:00,320 --> 00:40:03,319
Speaker 3: least helping him get towards some good standing at the bank.

862
00:40:03,360 --> 00:40:07,279
Speaker 3: And then maybe you can do like Test suggested, which

863
00:40:07,320 --> 00:40:10,160
Speaker 3: is to ask them for good behavior to remove you.

864
00:40:11,200 --> 00:40:13,080
Speaker 3: But I don't know, it's not looking too good, especially

865
00:40:13,120 --> 00:40:15,279
Speaker 3: if you can't find the car. Yeah, how are you

866
00:40:15,360 --> 00:40:17,560
Speaker 3: gonna lose a car? Is it stolen? You report it?

867
00:40:18,360 --> 00:40:18,520
Speaker 1: Right?

868
00:40:18,560 --> 00:40:22,080
Speaker 2: Well, it sounds like to mensurance, did they repoet because

869
00:40:22,080 --> 00:40:22,640
Speaker 2: he didn't pay?

870
00:40:24,280 --> 00:40:25,080
Speaker 1: That's possible.

871
00:40:25,640 --> 00:40:27,359
Speaker 3: I feel like we're missing some information.

872
00:40:28,200 --> 00:40:29,719
Speaker 1: Yeah, so let that be a lesson.

873
00:40:29,800 --> 00:40:31,600
Speaker 2: I'm not gonna lie one of the because me and

874
00:40:31,680 --> 00:40:35,960
Speaker 2: Superman don't really get into like confrontations, but one of

875
00:40:36,000 --> 00:40:37,799
Speaker 2: the ones that we had. One one kind of big

876
00:40:37,880 --> 00:40:39,920
Speaker 2: challenge that we had was that he'd asked me to

877
00:40:40,040 --> 00:40:42,520
Speaker 2: co sign and I said, uh no, like right, away,

878
00:40:42,920 --> 00:40:45,760
Speaker 2: and he was like right, and meanwhile, we were living together.

879
00:40:45,800 --> 00:40:49,200
Speaker 2: It wasn't like, oh, he's like my new boo. It's like, no,

880
00:40:49,280 --> 00:40:51,319
Speaker 2: we were together for like two years already, we were

881
00:40:51,320 --> 00:40:51,920
Speaker 2: living together.

882
00:40:52,520 --> 00:40:53,799
Speaker 1: He couldn't believe. I said no.

883
00:40:53,880 --> 00:40:55,760
Speaker 2: I was like, now, if I can know you money,

884
00:40:56,160 --> 00:40:57,960
Speaker 2: but my father always taught me. And I said that

885
00:40:58,040 --> 00:41:00,399
Speaker 2: my father always taught me that money you could get

886
00:41:00,400 --> 00:41:02,880
Speaker 2: back your name. It's very difficult too, so I won't

887
00:41:02,880 --> 00:41:05,520
Speaker 2: co sign. You know, you're not my husband yet. And

888
00:41:05,560 --> 00:41:08,960
Speaker 2: so it didn't go over well. But now that we're like,

889
00:41:09,040 --> 00:41:11,960
Speaker 2: you know, like two more years in, he understands Now

890
00:41:11,960 --> 00:41:14,840
Speaker 2: why I said that, because you know, he's like, well, Tiffany,

891
00:41:14,880 --> 00:41:16,799
Speaker 2: I mean we look together. Of course I'm gonna pay. Yeah,

892
00:41:16,840 --> 00:41:18,520
Speaker 2: but things happen. You can lose your job, you can

893
00:41:18,520 --> 00:41:19,479
Speaker 2: get sick, you can.

894
00:41:19,840 --> 00:41:22,439
Speaker 1: I just didn't. It's not a good habit to have,

895
00:41:22,600 --> 00:41:22,799
Speaker 1: you know.

896
00:41:22,880 --> 00:41:25,239
Speaker 2: And so I'm glad that I did it because we're

897
00:41:25,239 --> 00:41:26,279
Speaker 2: in a better position now.

898
00:41:26,320 --> 00:41:27,359
Speaker 1: And you know, but.

899
00:41:27,960 --> 00:41:30,719
Speaker 2: Yeah, so co signing, my dad told me, he said,

900
00:41:30,719 --> 00:41:32,640
Speaker 2: not even for your sisters. He said, if they want

901
00:41:32,640 --> 00:41:33,839
Speaker 2: to borrow money, give it to them.

902
00:41:34,080 --> 00:41:41,439
Speaker 3: He's like, but your name, keep that absolutely great lesson. Yeah, sorry, Anna,

903
00:41:41,680 --> 00:41:43,799
Speaker 3: I hope things work out. I hope he finds that car.

904
00:41:44,080 --> 00:41:46,760
Speaker 3: The least he can do is sell it and maybe

905
00:41:46,880 --> 00:41:49,480
Speaker 3: you know, here's the situation people find themselves in there

906
00:41:49,480 --> 00:41:52,840
Speaker 3: when they especially now when these subprime auto loans, I

907
00:41:52,840 --> 00:41:55,360
Speaker 3: cannot there's the interest rates on these subprime loans. I

908
00:41:55,440 --> 00:41:57,320
Speaker 3: swere you get a loan if you have bad credit.

909
00:41:58,400 --> 00:42:02,760
Speaker 3: Car dealerships and car financing or auto financing lenders, banks

910
00:42:02,800 --> 00:42:05,040
Speaker 3: and stuff. They're totally willing to give you an auto

911
00:42:05,040 --> 00:42:06,840
Speaker 3: loan if you have terrible credit, but it's going to

912
00:42:06,920 --> 00:42:09,399
Speaker 3: be a significantly higher interest rate.

913
00:42:09,920 --> 00:42:11,440
Speaker 1: It's going to cost you to the.

914
00:42:11,719 --> 00:42:14,680
Speaker 3: In an extremely low a long term So you may

915
00:42:14,800 --> 00:42:17,200
Speaker 3: because this is what people do. They they get a

916
00:42:17,239 --> 00:42:19,480
Speaker 3: car loan and they only focus on the monthly payment.

917
00:42:20,040 --> 00:42:22,200
Speaker 3: Sometimes get we hear from people who go to a

918
00:42:22,239 --> 00:42:24,080
Speaker 3: dealer and they're like, I only want I can only

919
00:42:24,120 --> 00:42:26,399
Speaker 3: afford to pay two fifty a month, give me a loan.

920
00:42:26,400 --> 00:42:27,680
Speaker 3: Where that's going to be the case, And what that

921
00:42:27,719 --> 00:42:29,080
Speaker 3: means is they're going to give you like a seventy

922
00:42:29,080 --> 00:42:32,160
Speaker 3: two month loan at like a nine percent interest rate

923
00:42:32,200 --> 00:42:34,920
Speaker 3: or higher, and you're going to put yourself in a

924
00:42:34,920 --> 00:42:37,040
Speaker 3: situation where you're going to put more money into the

925
00:42:37,080 --> 00:42:37,799
Speaker 3: car than it's worse.

926
00:42:38,160 --> 00:42:40,279
Speaker 1: Yep, way more money into the way more so.

927
00:42:40,239 --> 00:42:41,839
Speaker 3: If you sell, If you try and sell that car

928
00:42:41,880 --> 00:42:43,080
Speaker 3: to pay off your loan, you're not going to be

929
00:42:43,080 --> 00:42:45,520
Speaker 3: able to You may even go ahead.

930
00:42:45,800 --> 00:42:47,319
Speaker 1: I'm going to say they call that upside down.

931
00:42:47,360 --> 00:42:48,800
Speaker 2: That's when they say you have upside down in a

932
00:42:48,840 --> 00:42:51,239
Speaker 2: loan when you actually owe more than what the car

933
00:42:51,320 --> 00:42:52,080
Speaker 2: is worth or whatever.

934
00:42:52,120 --> 00:42:52,640
Speaker 1: The thing is.

935
00:42:52,960 --> 00:42:56,080
Speaker 3: Absolutely so when you're shopping for a loan, always always

936
00:42:56,120 --> 00:42:59,400
Speaker 3: shop for your financing outside before you even step into

937
00:42:59,400 --> 00:43:02,000
Speaker 3: a dealership. That's the best thing we did when we

938
00:43:02,040 --> 00:43:04,560
Speaker 3: got our loan was shopping around and then the dealer

939
00:43:06,000 --> 00:43:09,040
Speaker 3: offered to match our interest rate because we came in

940
00:43:09,080 --> 00:43:11,440
Speaker 3: with financing already or just you know, do you like

941
00:43:11,480 --> 00:43:14,520
Speaker 3: tifted and pick cash and go on with your life?

942
00:43:14,719 --> 00:43:20,640
Speaker 3: Exactly car you can afford? Okay, Next question, where did

943
00:43:20,640 --> 00:43:23,640
Speaker 3: it go? This question is from code name ten ADP

944
00:43:24,440 --> 00:43:27,880
Speaker 3: good code name. She says, I currently have two credit

945
00:43:27,880 --> 00:43:31,000
Speaker 3: cards she or he. I currently have two credit cards

946
00:43:31,000 --> 00:43:33,480
Speaker 3: through my credit union, and I'm looking to apply for

947
00:43:33,520 --> 00:43:36,160
Speaker 3: another one because I want one to give me more rewards.

948
00:43:36,760 --> 00:43:39,040
Speaker 3: Would it be better for me to apply somewhere else,

949
00:43:39,360 --> 00:43:41,560
Speaker 3: even though my credit union seems to have a good

950
00:43:41,600 --> 00:43:44,720
Speaker 3: rate and rewards for what I'm looking for. Any feedback

951
00:43:44,719 --> 00:43:46,680
Speaker 3: would be appreciated.

952
00:43:46,680 --> 00:43:49,520
Speaker 1: So she said she currently has she currently.

953
00:43:49,120 --> 00:43:51,720
Speaker 3: Has two credit cards to her current her credit union,

954
00:43:51,920 --> 00:43:54,640
Speaker 3: but she wants to get a rewards card. Basically, is

955
00:43:54,640 --> 00:43:57,120
Speaker 3: it smarter to stick with her credit union because she's,

956
00:43:57,239 --> 00:43:58,960
Speaker 3: you know, already has two cards, or should she likes

957
00:43:59,000 --> 00:43:59,839
Speaker 3: shop somewhere else?

958
00:44:00,840 --> 00:44:03,560
Speaker 2: I say, so, I've done this where one of my

959
00:44:03,640 --> 00:44:06,840
Speaker 2: credit cards is like because it's because it's just a

960
00:44:06,880 --> 00:44:09,680
Speaker 2: lower interest rate or whatever. But I also remember Mandy,

961
00:44:09,719 --> 00:44:12,120
Speaker 2: like I jumped on that Chase was it Chase Venture?

962
00:44:12,200 --> 00:44:13,879
Speaker 1: Is that what that was? Oh?

963
00:44:13,920 --> 00:44:15,040
Speaker 3: No, Chase a fire reserve.

964
00:44:15,120 --> 00:44:15,839
Speaker 1: Yeah. Yeah.

965
00:44:15,880 --> 00:44:17,880
Speaker 2: So when you were like, uh, today's the last day

966
00:44:17,920 --> 00:44:19,680
Speaker 2: to get your hundred thousand points, I got it.

967
00:44:19,719 --> 00:44:21,760
Speaker 1: And honestly, I've already flown.

968
00:44:21,800 --> 00:44:24,479
Speaker 2: I think I've got I've already earned like three three

969
00:44:24,520 --> 00:44:28,040
Speaker 2: flights with like aside from the one hundred thousand points.

970
00:44:28,280 --> 00:44:30,600
Speaker 2: And so I have a regular credit card that I

971
00:44:30,600 --> 00:44:33,239
Speaker 2: was using, but I use my Chase Sapphire a lot

972
00:44:33,360 --> 00:44:36,719
Speaker 2: more now because I like to travel, and so I

973
00:44:36,800 --> 00:44:38,719
Speaker 2: let it pay for travel, and so I don't think

974
00:44:38,760 --> 00:44:41,000
Speaker 2: there's if you're responsible, I don't think there's anything wrong

975
00:44:41,040 --> 00:44:45,440
Speaker 2: with getting right a rewards card, especially if the reward

976
00:44:45,520 --> 00:44:48,400
Speaker 2: is something that you use frequently, like if you're you know,

977
00:44:48,440 --> 00:44:50,879
Speaker 2: a big grocery shopper, so you're getting a grocery card,

978
00:44:51,000 --> 00:44:53,040
Speaker 2: or you spend a lot of money on gas, so

979
00:44:53,080 --> 00:44:55,839
Speaker 2: you get a gas rewards card. As long as you're

980
00:44:55,880 --> 00:44:58,040
Speaker 2: responsible with your credit cards, it can be a great tool.

981
00:44:58,840 --> 00:45:02,360
Speaker 3: Yeah, And I mean, don't be loyal to your bank

982
00:45:02,840 --> 00:45:05,400
Speaker 3: if it's not giving you the best product. Like I

983
00:45:05,440 --> 00:45:08,280
Speaker 3: think people feel it's this weird loyalty to the bank,

984
00:45:08,400 --> 00:45:10,360
Speaker 3: and it's something that's attached to it, like a brand

985
00:45:10,360 --> 00:45:13,279
Speaker 3: loyalty or something. But there's there's more. We just did

986
00:45:13,280 --> 00:45:16,479
Speaker 3: a study at Magnify Money that found that credit card

987
00:45:16,520 --> 00:45:21,120
Speaker 3: rewards have quintupled or tripled or something crazy over the

988
00:45:21,239 --> 00:45:24,040
Speaker 3: last ten years because banks are competing for business more

989
00:45:24,040 --> 00:45:26,080
Speaker 3: than ever with credit cards, so the rewards that the

990
00:45:26,120 --> 00:45:28,040
Speaker 3: rewards out there are a lot sweeter. If you haven't

991
00:45:28,040 --> 00:45:30,520
Speaker 3: gotten a credit card in the last five to ten years,

992
00:45:30,760 --> 00:45:34,000
Speaker 3: there's bound to be a better deal out there, and

993
00:45:34,080 --> 00:45:36,040
Speaker 3: you should take advantage of it. There's no reason not

994
00:45:36,080 --> 00:45:38,279
Speaker 3: to have a credit card where you're not getting rewards. Now,

995
00:45:39,320 --> 00:45:42,520
Speaker 3: I mean, I'll go ahead and I'll post a link

996
00:45:42,560 --> 00:45:46,160
Speaker 3: to our credit card comparison page because I think it's

997
00:45:46,200 --> 00:45:48,960
Speaker 3: one of the best ones out there. It's totally unbiased ratings.

998
00:45:49,000 --> 00:45:52,719
Speaker 3: We don't rank them based on you know, with like

999
00:45:52,760 --> 00:45:54,960
Speaker 3: affiliate agreements and stuff like that. But it's just an

1000
00:45:54,960 --> 00:45:56,920
Speaker 3: easy way to see what are the offers out there.

1001
00:45:57,600 --> 00:45:59,680
Speaker 3: And you can even put in how much debt you have,

1002
00:46:00,040 --> 00:46:01,759
Speaker 3: what kind of credit card you want, where you live,

1003
00:46:01,800 --> 00:46:03,920
Speaker 3: and they'll give you a list of like banks and

1004
00:46:04,280 --> 00:46:07,560
Speaker 3: credit card offers out there today.

1005
00:46:07,719 --> 00:46:09,799
Speaker 1: Good luck, Yeah, go for a girl.

1006
00:46:10,120 --> 00:46:16,319
Speaker 3: Ten, Let's do one more, Okay, because I'm enjoying this.

1007
00:46:16,320 --> 00:46:18,920
Speaker 3: This question is from Chantelle, and it's actually we were

1008
00:46:18,920 --> 00:46:21,680
Speaker 3: talking a little bit about this earlier, about relationships and

1009
00:46:21,680 --> 00:46:24,040
Speaker 3: money and how you split your finances. I'm only going

1010
00:46:24,080 --> 00:46:26,000
Speaker 3: to tackle one part of your question, Chantelle, because the

1011
00:46:26,040 --> 00:46:29,720
Speaker 3: other one's a bit complicated. But Chantelle says, I'm thirty

1012
00:46:29,760 --> 00:46:32,279
Speaker 3: five years old and I'm married for five years and

1013
00:46:32,320 --> 00:46:35,480
Speaker 3: have two daughters. My husband and I are currently preparing

1014
00:46:35,520 --> 00:46:38,959
Speaker 3: to build or purchase a home. This involves paying down

1015
00:46:39,080 --> 00:46:42,600
Speaker 3: credit card debt first and saving some money. So I

1016
00:46:42,600 --> 00:46:47,040
Speaker 3: have two questions, how do you fairly split a mortgage

1017
00:46:47,080 --> 00:46:51,000
Speaker 3: with a spouse that makes significantly less money? And number two,

1018
00:46:51,040 --> 00:46:53,800
Speaker 3: do you have opinions about building a home versus buying

1019
00:46:53,800 --> 00:46:54,160
Speaker 3: a home?

1020
00:46:57,280 --> 00:46:59,279
Speaker 1: Yeah? I was gonna say number two, I don't.

1021
00:46:59,320 --> 00:47:02,200
Speaker 3: I don't have it pay on that build versus buy.

1022
00:47:02,280 --> 00:47:04,840
Speaker 3: I mean whatever you can afford. I don't know. For me,

1023
00:47:05,680 --> 00:47:08,200
Speaker 3: I mean it depends. She says. She moved from Brooklyn

1024
00:47:08,239 --> 00:47:10,880
Speaker 3: to Delaware three years ago, and in her state it's

1025
00:47:10,880 --> 00:47:12,799
Speaker 3: affordable to build a home. I mean you have to

1026
00:47:12,800 --> 00:47:15,880
Speaker 3: sit down and work out the out of finances and

1027
00:47:15,880 --> 00:47:18,239
Speaker 3: the numbers. I mean maybe if you can wait that long,

1028
00:47:18,280 --> 00:47:21,680
Speaker 3: maybe it's cheaper to build versus I.

1029
00:47:21,680 --> 00:47:23,320
Speaker 2: Will say one of a friend of mine, Well, you

1030
00:47:23,400 --> 00:47:27,120
Speaker 2: know Jason be too, mister Frugo himself, so his best

1031
00:47:27,160 --> 00:47:29,600
Speaker 2: friend is a major contractor that I'm working with.

1032
00:47:29,840 --> 00:47:30,799
Speaker 1: And he was.

1033
00:47:30,920 --> 00:47:34,680
Speaker 2: He did say that oftentimes it's cheaper and actually a

1034
00:47:34,680 --> 00:47:37,920
Speaker 2: better investment to build. He said, because the materials and

1035
00:47:37,960 --> 00:47:42,920
Speaker 2: the labor will often end up costing less. And then

1036
00:47:43,160 --> 00:47:44,719
Speaker 2: like say, like you might spend one hundred and fifty

1037
00:47:44,719 --> 00:47:46,840
Speaker 2: dollars to build this beautiful home, but then when it

1038
00:47:46,840 --> 00:47:49,520
Speaker 2: gets assessed later because of everything, all of the pieces

1039
00:47:49,560 --> 00:47:52,480
Speaker 2: combined together, it might be worth two hundred thousand. So

1040
00:47:53,280 --> 00:47:56,080
Speaker 2: finding like you know, like like what does the type

1041
00:47:56,120 --> 00:47:58,040
Speaker 2: of house in your area that you know, what would

1042
00:47:58,280 --> 00:48:00,120
Speaker 2: normally sell for the type of house, and you're looking

1043
00:48:00,120 --> 00:48:02,479
Speaker 2: to build and see how much your builder can build

1044
00:48:02,520 --> 00:48:05,319
Speaker 2: it for. So it might be financially wise to build

1045
00:48:05,320 --> 00:48:08,359
Speaker 2: a house for less innative praises for more later.

1046
00:48:08,440 --> 00:48:09,080
Speaker 1: So that's that.

1047
00:48:09,760 --> 00:48:14,440
Speaker 2: But the splitting of the bills, yike, I mean I

1048
00:48:14,520 --> 00:48:16,960
Speaker 2: think Mandy, we're built in that kind of position, right,

1049
00:48:17,000 --> 00:48:18,600
Speaker 2: like making a little bit more than our booze.

1050
00:48:19,000 --> 00:48:22,520
Speaker 3: Yeah, I mean we've always we used to Okay, before

1051
00:48:22,560 --> 00:48:24,680
Speaker 3: we just did it. Now well now it's not really

1052
00:48:24,719 --> 00:48:26,799
Speaker 3: we haven't done any math. It's just like, okay, the

1053
00:48:26,840 --> 00:48:28,600
Speaker 3: rent is the bigger bill, so I'll cover the rent.

1054
00:48:29,440 --> 00:48:31,719
Speaker 3: I don't know what percentage of my income that is.

1055
00:48:33,120 --> 00:48:35,960
Speaker 3: But anyway, before, when we were making you know a

1056
00:48:35,960 --> 00:48:38,200
Speaker 3: little bit less, I just did it. I think I

1057
00:48:38,280 --> 00:48:40,600
Speaker 3: did it. So I was paying eighty percent of the

1058
00:48:40,640 --> 00:48:44,320
Speaker 3: rent and he was paying twenty. I think we decrease

1059
00:48:44,440 --> 00:48:48,520
Speaker 3: that eventually, or I mean, that's one way to do it.

1060
00:48:48,560 --> 00:48:52,880
Speaker 3: You can just say I'm making you're making sixty percent

1061
00:48:52,920 --> 00:48:56,439
Speaker 3: of what I'm making, so you'll you'll pay that much

1062
00:48:56,520 --> 00:48:59,880
Speaker 3: less of the mortgage, or you could.

1063
00:48:59,680 --> 00:49:02,280
Speaker 1: Just like, I mean, this is what I'm considering with Superman.

1064
00:49:02,480 --> 00:49:04,520
Speaker 2: We haven't, like, you know, we still are just we've

1065
00:49:04,520 --> 00:49:06,080
Speaker 2: had a couple of talks, but we're just trying to

1066
00:49:06,080 --> 00:49:09,239
Speaker 2: figure it out that putting both of us putting a

1067
00:49:09,280 --> 00:49:11,880
Speaker 2: percentage of money into a joint account, that that's just

1068
00:49:11,880 --> 00:49:14,920
Speaker 2: going to like that account pays the bills. So it's like,

1069
00:49:15,040 --> 00:49:16,839
Speaker 2: let's just say, you know, we both say fifty percent

1070
00:49:16,880 --> 00:49:19,840
Speaker 2: of our income goes into this account and that's the

1071
00:49:19,880 --> 00:49:20,600
Speaker 2: bills account.

1072
00:49:20,600 --> 00:49:21,040
Speaker 1: That's the book.

1073
00:49:21,080 --> 00:49:23,799
Speaker 2: You know, I'm I'm not gonna lie, And still I'm

1074
00:49:23,840 --> 00:49:27,440
Speaker 2: reading a lot of articles to see which way suits

1075
00:49:27,520 --> 00:49:28,120
Speaker 2: us best.

1076
00:49:28,360 --> 00:49:31,160
Speaker 1: Ultimately, though, to me, when it comes to.

1077
00:49:31,400 --> 00:49:34,600
Speaker 2: Stuff that happens in your marriage, it's your rules, you know,

1078
00:49:34,840 --> 00:49:37,080
Speaker 2: like because people will tell you like, oh, well this

1079
00:49:37,200 --> 00:49:39,640
Speaker 2: is the best way, I mean, and maybe for their marriage,

1080
00:49:39,640 --> 00:49:42,799
Speaker 2: but ultimately you get to decide how you want things

1081
00:49:42,840 --> 00:49:44,359
Speaker 2: to go. So you just want to make sure that

1082
00:49:44,760 --> 00:49:48,000
Speaker 2: you and your husband are on the same page where

1083
00:49:48,000 --> 00:49:50,840
Speaker 2: you're like, we both feel right about this. So I

1084
00:49:50,880 --> 00:49:53,040
Speaker 2: don't know that there's a right or wrong, And I

1085
00:49:53,080 --> 00:49:56,279
Speaker 2: suspect that Superman and I will start off one way and.

1086
00:49:56,320 --> 00:49:59,040
Speaker 1: Slowly evolve until like, Okay, this feels right, you.

1087
00:49:59,000 --> 00:50:02,200
Speaker 3: Know, so iterating, and I feel, here's one thing my

1088
00:50:02,320 --> 00:50:04,279
Speaker 3: mindset when we got married. This is the one thing

1089
00:50:04,280 --> 00:50:06,239
Speaker 3: that did change for me. Is it really? I mean,

1090
00:50:06,280 --> 00:50:08,960
Speaker 3: I just told you we paid off his debt. It

1091
00:50:09,000 --> 00:50:13,400
Speaker 3: felt like and I'm surprised that even myself, I feel

1092
00:50:13,400 --> 00:50:16,200
Speaker 3: like our finances really are like it's we're in this together.

1093
00:50:16,360 --> 00:50:19,359
Speaker 3: His debt's mind debt. Our rent is our rent. So

1094
00:50:19,400 --> 00:50:21,040
Speaker 3: for me, it doesn't feel like I'm paying the rents

1095
00:50:21,040 --> 00:50:23,240
Speaker 3: and he's paying the utilities. We're just kind of taking

1096
00:50:23,239 --> 00:50:25,920
Speaker 3: care of It's all our money, you know, it's all

1097
00:50:26,120 --> 00:50:29,280
Speaker 3: coming from one household. I mean, it's different bank accounts.

1098
00:50:29,320 --> 00:50:31,280
Speaker 3: But for me, I don't think about it as much anymore.

1099
00:50:31,320 --> 00:50:34,920
Speaker 3: And since you guys are married, I don't know. I

1100
00:50:34,960 --> 00:50:37,440
Speaker 3: wonder if, I mean, I don't know, it could work

1101
00:50:37,480 --> 00:50:40,319
Speaker 3: for you to think of it as splitting it. Maybe it,

1102
00:50:40,600 --> 00:50:42,680
Speaker 3: you know, makes you guys feel better if you split

1103
00:50:42,719 --> 00:50:46,040
Speaker 3: it a certain way. I say, first, you got to

1104
00:50:46,040 --> 00:50:48,680
Speaker 3: figure out if you're really splitting your finances, you know,

1105
00:50:48,719 --> 00:50:51,280
Speaker 3: how much can he afford to pay and still feel comfortable.

1106
00:50:51,640 --> 00:50:53,799
Speaker 3: Find out how much he has coming in and how

1107
00:50:53,880 --> 00:50:56,319
Speaker 3: much he has going out, and how much he can

1108
00:50:56,360 --> 00:50:58,600
Speaker 3: afford to chip in, and then that's your number, you know,

1109
00:50:59,000 --> 00:51:01,840
Speaker 3: because there's no cents and saying he's gonna pay. You know,

1110
00:51:01,880 --> 00:51:03,879
Speaker 3: I'll pay seventy five percent of the mortgage and he'll

1111
00:51:03,920 --> 00:51:06,359
Speaker 3: pay twenty five percent if he can afford twenty five percent.

1112
00:51:06,600 --> 00:51:09,960
Speaker 2: Exactly exactly, so it doesn't also too, you don't want

1113
00:51:09,960 --> 00:51:10,279
Speaker 2: to leave.

1114
00:51:10,560 --> 00:51:12,440
Speaker 1: No one should be left with nothing at the end,

1115
00:51:12,560 --> 00:51:15,160
Speaker 1: you know, totally, like you know, because I've seen that before.

1116
00:51:15,160 --> 00:51:17,600
Speaker 2: Honestly, I've seen couples that are like, well, you know,

1117
00:51:17,600 --> 00:51:19,680
Speaker 2: we're both gonna put fifty percent, like you know, like

1118
00:51:20,000 --> 00:51:22,680
Speaker 2: you know, the the mortgages one thousand dollars. I put

1119
00:51:22,680 --> 00:51:25,400
Speaker 2: five hundred for five hundred, but they make five. I

1120
00:51:25,719 --> 00:51:27,719
Speaker 2: mean that's the only way that I'm kind of like,

1121
00:51:28,200 --> 00:51:29,919
Speaker 2: I don't know that's a good.

1122
00:51:30,000 --> 00:51:31,920
Speaker 1: Place to be, because no.

1123
00:51:31,840 --> 00:51:34,120
Speaker 2: One should be left with I don't have anything for

1124
00:51:34,239 --> 00:51:35,080
Speaker 2: myself at the end.

1125
00:51:36,440 --> 00:51:38,600
Speaker 3: But yeah, even it feels fair, you know.

1126
00:51:39,160 --> 00:51:41,680
Speaker 2: Yeah, exactly, whatever that looks like, it should feel fair.

1127
00:51:41,760 --> 00:51:44,080
Speaker 2: It should feel open. I thought about what you said,

1128
00:51:44,280 --> 00:51:47,800
Speaker 2: because I'm really good with my credit card superman. Although

1129
00:51:47,840 --> 00:51:51,479
Speaker 2: he pays it, I'm like you and this swiping problem. Yes,

1130
00:51:53,480 --> 00:51:54,960
Speaker 2: every time, like we went out to we had our

1131
00:51:54,960 --> 00:51:58,839
Speaker 2: first like grown couple like well not grown a couple,

1132
00:51:58,880 --> 00:52:01,120
Speaker 2: but married couple like days. Because I finally got back

1133
00:52:01,160 --> 00:52:03,279
Speaker 2: from Essence Fest and he was like, you know, we

1134
00:52:03,320 --> 00:52:05,080
Speaker 2: haven't gone on like a date, like you know, we

1135
00:52:05,120 --> 00:52:07,399
Speaker 2: got get dressed up and get cute dates. So there's

1136
00:52:07,440 --> 00:52:10,640
Speaker 2: this cute little restaurant in Newark called Allegro, and the

1137
00:52:10,680 --> 00:52:13,440
Speaker 2: outside it's so pretty you feel like you're in Jamaica

1138
00:52:13,640 --> 00:52:16,279
Speaker 2: or like some tropical island. It's it's in the Iron Bound,

1139
00:52:16,280 --> 00:52:19,759
Speaker 2: which is like largely Portuguese and yeah, largely Portuguese, the

1140
00:52:19,800 --> 00:52:23,400
Speaker 2: Ironbound section of Newark, and it's really beautiful. This the

1141
00:52:23,440 --> 00:52:27,799
Speaker 2: backyard of this of this uh restaurant. So we went

1142
00:52:27,920 --> 00:52:30,480
Speaker 2: and we're we're eating, and he paid and he took

1143
00:52:30,480 --> 00:52:32,400
Speaker 2: out his credit card. I'm looking at him lot, dude,

1144
00:52:32,480 --> 00:52:35,200
Speaker 2: because now I'm like before I feel like whatever, it's

1145
00:52:35,239 --> 00:52:37,120
Speaker 2: his credit card, but now I'm like, this is our day.

1146
00:52:37,200 --> 00:52:39,480
Speaker 1: I'm like, you don't have your debit card I forgot.

1147
00:52:39,280 --> 00:52:42,600
Speaker 2: It, and I'm like, oh, you know, and I was

1148
00:52:42,600 --> 00:52:45,360
Speaker 2: thinking to myself because like, like I just kept thinking,

1149
00:52:45,400 --> 00:52:47,719
Speaker 2: we're paying for this date, you know, like, and so

1150
00:52:48,000 --> 00:52:49,520
Speaker 2: I'm that's so annoying.

1151
00:52:49,560 --> 00:52:51,200
Speaker 3: There's no such thing as splitting anymore.

1152
00:52:51,440 --> 00:52:52,200
Speaker 1: Yes, it's not.

1153
00:52:52,880 --> 00:52:55,080
Speaker 2: And so I thought to myself, Okay, I think I

1154
00:52:55,200 --> 00:52:59,600
Speaker 2: like the idea of having like a joint card because

1155
00:52:59,800 --> 00:53:00,360
Speaker 2: I think it.

1156
00:53:00,360 --> 00:53:02,439
Speaker 1: Would help because a lot for him.

1157
00:53:02,520 --> 00:53:06,080
Speaker 2: It's I just think that he's not a big spender,

1158
00:53:06,440 --> 00:53:09,120
Speaker 2: but he's like, oh, I forgot my debit card and

1159
00:53:09,160 --> 00:53:11,759
Speaker 2: I'm like, oh, so it's always I'm always looking like

1160
00:53:12,040 --> 00:53:14,360
Speaker 2: you're swiping and then maybe it'll take you two or

1161
00:53:14,360 --> 00:53:16,319
Speaker 2: three payments to pay off this credit card. So you

1162
00:53:16,400 --> 00:53:18,279
Speaker 2: have the money, but you're not paying it off and

1163
00:53:18,320 --> 00:53:20,160
Speaker 2: full of every single month, so it's costing you more.

1164
00:53:20,280 --> 00:53:21,840
Speaker 1: So, you know, like the financial educating me.

1165
00:53:21,960 --> 00:53:24,480
Speaker 2: Is like, ah, so I'm trying out to be a

1166
00:53:24,520 --> 00:53:26,359
Speaker 2: control freak, but I'm always watching.

1167
00:53:26,040 --> 00:53:27,840
Speaker 1: Like is that your credit card?

1168
00:53:28,840 --> 00:53:31,960
Speaker 2: He's like, tiff, me, please don't budget these to me. Okay,

1169
00:53:32,360 --> 00:53:34,920
Speaker 2: so I have to figure out a way to to

1170
00:53:35,560 --> 00:53:38,160
Speaker 2: because I like for us to.

1171
00:53:37,360 --> 00:53:39,200
Speaker 1: To not have debt and.

1172
00:53:40,480 --> 00:53:43,840
Speaker 3: Yeah, so yeah, it's not the story of everyone's relationship.

1173
00:53:43,840 --> 00:53:46,959
Speaker 3: Though one person is suspender, the other one's not. Yeah,

1174
00:53:47,120 --> 00:53:49,200
Speaker 3: one's a little comfortable having a little bit of credit

1175
00:53:49,200 --> 00:53:51,200
Speaker 3: card debt. And meanwhile, I'm like, how do you always

1176
00:53:51,200 --> 00:53:52,560
Speaker 3: seem to have a little bit of credit?

1177
00:53:52,680 --> 00:53:52,839
Speaker 1: Yes?

1178
00:53:53,040 --> 00:53:54,399
Speaker 3: Can we just knit this in the bike?

1179
00:53:54,840 --> 00:53:57,000
Speaker 2: Yes, it's always it's never like it not like it's

1180
00:53:57,160 --> 00:53:59,120
Speaker 2: thousands of dollars, but it's always a little bit of

1181
00:53:59,160 --> 00:53:59,719
Speaker 2: credit card debt.

1182
00:53:59,719 --> 00:54:01,000
Speaker 1: And I'm like, how do you live like this?

1183
00:54:01,719 --> 00:54:05,160
Speaker 3: I will say though, when this was happening a few

1184
00:54:05,239 --> 00:54:07,000
Speaker 3: years ago, when we had just moved in together, it

1185
00:54:07,080 --> 00:54:09,680
Speaker 3: was because he was paying too much in the rent

1186
00:54:09,719 --> 00:54:11,400
Speaker 3: and I was like, well, why didn't you say something?

1187
00:54:11,719 --> 00:54:13,560
Speaker 3: And because he was like, you know, really cutting it

1188
00:54:13,600 --> 00:54:16,600
Speaker 3: close every month and then leaning on his credit card

1189
00:54:16,680 --> 00:54:18,680
Speaker 3: because he didn't want to not pay for dinner once

1190
00:54:18,719 --> 00:54:20,360
Speaker 3: in a while, and you know, there's all this like

1191
00:54:20,400 --> 00:54:22,800
Speaker 3: emotional stuff too, and we just had to have a

1192
00:54:22,840 --> 00:54:25,160
Speaker 3: conversation and I was like, Okay, we tried that for

1193
00:54:25,200 --> 00:54:28,440
Speaker 3: a few months. It's too much, so so let's iterate.

1194
00:54:28,640 --> 00:54:30,520
Speaker 3: And I but sometimes it's just like I forgot my

1195
00:54:30,600 --> 00:54:31,719
Speaker 3: debit card at home, and you're like.

1196
00:54:31,960 --> 00:54:33,040
Speaker 1: And You're right, it might be.

1197
00:54:33,600 --> 00:54:35,239
Speaker 2: I'm like, you know what, maybe I have to look

1198
00:54:35,239 --> 00:54:37,680
Speaker 2: at the bills to see is it is it because

1199
00:54:37,680 --> 00:54:39,319
Speaker 2: I set him up on a savings plan and I

1200
00:54:39,320 --> 00:54:44,600
Speaker 2: suspect that maybe I have him oversaving, and then and

1201
00:54:44,640 --> 00:54:46,560
Speaker 2: then you're paying the rent and then it's like, uh,

1202
00:54:47,440 --> 00:54:49,359
Speaker 2: I'm left with whatever it is and it's not quite

1203
00:54:49,440 --> 00:54:52,680
Speaker 2: enough to see me through. So it might be that

1204
00:54:52,719 --> 00:54:55,000
Speaker 2: because sometimes I'm overzealous. So I'm like, maybe let's re

1205
00:54:55,120 --> 00:54:58,280
Speaker 2: look at your budget. He probably doesn't want to say, like, Timmy,

1206
00:54:58,280 --> 00:54:59,440
Speaker 2: you have me over saving.

1207
00:55:00,200 --> 00:55:01,880
Speaker 1: I don't have enough body to live my life.

1208
00:55:02,960 --> 00:55:05,759
Speaker 3: That's a problem too. Over saving. It's a real thing.

1209
00:55:06,280 --> 00:55:06,600
Speaker 1: It is.

1210
00:55:06,640 --> 00:55:11,479
Speaker 3: I'm guilty of it. Not anymore. But yeah, all right, guys,

1211
00:55:11,520 --> 00:55:14,160
Speaker 3: thanks so much for your questions. Again, you can go

1212
00:55:14,200 --> 00:55:16,960
Speaker 3: to brand Ambition podcast dot com. You're like, I know, Mandy,

1213
00:55:17,000 --> 00:55:19,399
Speaker 3: I've heard it a million times, but there may be

1214
00:55:19,400 --> 00:55:23,799
Speaker 3: someone new. Brannambition podcast dot com. Don't forget to leave

1215
00:55:23,840 --> 00:55:27,440
Speaker 3: us a review on iTunes. Those are always nice. Send

1216
00:55:27,520 --> 00:55:32,319
Speaker 3: us some love on our Facebook page. Yeah, I love

1217
00:55:32,360 --> 00:55:32,880
Speaker 3: to hear from you.

1218
00:55:33,600 --> 00:55:34,560
Speaker 1: Yeah, this is great.

1219
00:55:35,440 --> 00:55:37,160
Speaker 2: We always have such a good show. And if you're

1220
00:55:37,239 --> 00:55:39,600
Speaker 2: new and you're listening, you're joining us from Fast Company.

1221
00:55:39,880 --> 00:55:41,040
Speaker 1: Hey, family, I.

1222
00:55:40,960 --> 00:55:43,360
Speaker 2: Feel like we need to we need to come up

1223
00:55:43,360 --> 00:55:46,720
Speaker 2: with a cute little like, you know, like family, cousins,

1224
00:55:46,880 --> 00:55:49,920
Speaker 2: something I don't want to call the listeners, something besides

1225
00:55:49,920 --> 00:55:50,280
Speaker 2: the listeners.

1226
00:55:50,320 --> 00:55:52,440
Speaker 3: Oh, I always say ba fam ba fan.

1227
00:55:52,520 --> 00:55:55,960
Speaker 2: Oh that's true, ay baf fam ambitioners.

1228
00:55:56,560 --> 00:56:03,359
Speaker 3: No, that sounds weird, Lamily No.

1229
00:56:00,800 --> 00:56:02,480
Speaker 1: No, I think BA family is good.

1230
00:56:02,640 --> 00:56:05,359
Speaker 3: Any Do you want to close out with some wins? Though?

1231
00:56:06,160 --> 00:56:10,320
Speaker 1: Oh? Yes, there was something I saw and I forgot.

1232
00:56:10,600 --> 00:56:11,480
Speaker 1: Go ahead, Do you have a win?

1233
00:56:12,440 --> 00:56:15,200
Speaker 3: Yeah? Well we first of all, we missed both Obama

1234
00:56:15,239 --> 00:56:19,000
Speaker 3: girls birthdays. I kept putting it on my notes, and

1235
00:56:19,000 --> 00:56:21,080
Speaker 3: then we weren't having shows and I was like, oh Malia,

1236
00:56:21,239 --> 00:56:24,000
Speaker 3: Natasha got it, wished to have you birthday. Yes, her

1237
00:56:24,080 --> 00:56:26,799
Speaker 3: name was Natasha. People lost their minds when they found out.

1238
00:56:26,920 --> 00:56:30,719
Speaker 3: I know, I'm like, Sasha, Sasha's name is Natasha.

1239
00:56:30,920 --> 00:56:32,600
Speaker 1: Yeah, that feels a big deal. But okay.

1240
00:56:33,440 --> 00:56:36,759
Speaker 3: My second win was gonna be Kamala Harris. If you

1241
00:56:36,880 --> 00:56:41,320
Speaker 3: seen her so, she's a senator from California. I feel

1242
00:56:41,320 --> 00:56:43,080
Speaker 3: like I feel like I have a stake in her

1243
00:56:43,080 --> 00:56:45,239
Speaker 3: career because like a long time ago, I interviewed her

1244
00:56:45,280 --> 00:56:48,680
Speaker 3: first story I did when she was a district attorney

1245
00:56:48,880 --> 00:56:51,560
Speaker 3: in California and now she's in the Senate, and she

1246
00:56:51,760 --> 00:56:53,520
Speaker 3: was that you might have seen her on Facebook on

1247
00:56:53,560 --> 00:56:58,080
Speaker 3: your Facebook feed, because she's that the junior senator who

1248
00:56:58,280 --> 00:57:02,200
Speaker 3: was in some sort of hearing on Capitol Hill and

1249
00:57:02,760 --> 00:57:07,439
Speaker 3: she was interviewing the current Attorney General about this whole

1250
00:57:07,520 --> 00:57:10,440
Speaker 3: Russia investigation and all this stuff, and he was like

1251
00:57:10,520 --> 00:57:13,239
Speaker 3: talking over her, and then like someone else told her

1252
00:57:13,239 --> 00:57:15,640
Speaker 3: to let the guy speak, and she just like got

1253
00:57:15,680 --> 00:57:18,720
Speaker 3: all like basically she was getting like man explained at

1254
00:57:18,720 --> 00:57:20,520
Speaker 3: her own name and hearing where she was supposed to be.

1255
00:57:20,720 --> 00:57:24,680
Speaker 3: She was literally there to ask questions. And I feel

1256
00:57:24,720 --> 00:57:27,280
Speaker 3: like she's become like the new She's become like the

1257
00:57:27,320 --> 00:57:32,920
Speaker 3: new hope of Democrats, like a young, ambitious African American woman,

1258
00:57:33,000 --> 00:57:37,160
Speaker 3: I should say, in Senate. And so shout out six

1259
00:57:37,240 --> 00:57:38,920
Speaker 3: Kamala for having her a moment.

1260
00:57:39,640 --> 00:57:41,840
Speaker 2: Yes, Kamala, you better let them know I can't ask

1261
00:57:41,880 --> 00:57:45,840
Speaker 2: my questions and you will answer them. Yeah, So mine

1262
00:57:45,880 --> 00:57:50,760
Speaker 2: is a little bit shady, but I love it. So

1263
00:57:50,760 --> 00:57:53,840
Speaker 2: So if you did not know, Kylie and Kendall Jenner

1264
00:57:53,920 --> 00:57:56,360
Speaker 2: came up with these T shirts with their faces are

1265
00:57:56,400 --> 00:57:58,720
Speaker 2: superimposed on Biggie.

1266
00:57:59,200 --> 00:58:01,840
Speaker 1: This is one T shirt. Another one is Tupac, another

1267
00:58:01,880 --> 00:58:04,400
Speaker 1: one is Ozzy Osbourne. What memo?

1268
00:58:04,480 --> 00:58:07,160
Speaker 2: With no permission? And so Veletta Wallace got them all

1269
00:58:07,240 --> 00:58:10,240
Speaker 2: the way together. I'm gonna read verbat them her her Instagram.

1270
00:58:10,600 --> 00:58:12,480
Speaker 2: She said, I'm not sure, and I'm gonna give you know,

1271
00:58:12,520 --> 00:58:14,320
Speaker 2: the little attitude because I just feel like if Biletta

1272
00:58:14,360 --> 00:58:17,520
Speaker 2: Wallace had all of this, I'm not sure who told

1273
00:58:17,600 --> 00:58:20,720
Speaker 2: Kylie Jenner and Kendall Jenner that they had the right

1274
00:58:20,760 --> 00:58:23,920
Speaker 2: to do this. The disrespect of these girls to not

1275
00:58:24,000 --> 00:58:26,880
Speaker 2: even reach out to me or anyone connected to the

1276
00:58:27,000 --> 00:58:30,080
Speaker 2: Estates baffles me. I have no idea why they feel

1277
00:58:30,120 --> 00:58:32,560
Speaker 2: like they could exploit the deaths of Tupac and my

1278
00:58:32,680 --> 00:58:36,240
Speaker 2: son Christener to sell a T shirt. This is disrespectful,

1279
00:58:36,360 --> 00:58:39,680
Speaker 2: disgusting and exploitation at its first, I said, you better

1280
00:58:39,720 --> 00:58:42,520
Speaker 2: tell them, miss Wallace, but I just thought that was

1281
00:58:42,560 --> 00:58:44,959
Speaker 2: crazy because I'm like, so, I mean, at the level

1282
00:58:45,000 --> 00:58:47,160
Speaker 2: that they are like So it wasn't like I said,

1283
00:58:47,200 --> 00:58:49,600
Speaker 2: it wasn't just Tupac, it wasn't just Biggie, it was sharing.

1284
00:58:49,680 --> 00:58:51,840
Speaker 2: It was not also having that obviously with Ozzie. So

1285
00:58:51,880 --> 00:58:53,360
Speaker 2: I'm just like, And they were selling the T shirt

1286
00:58:53,400 --> 00:58:55,800
Speaker 2: for like one hundred and fifty dollars, So I'm.

1287
00:58:55,600 --> 00:58:57,920
Speaker 3: Making money out the backs of people who had talent.

1288
00:58:58,720 --> 00:59:00,800
Speaker 1: Yeah, but it's just so because I'm just like.

1289
00:59:00,840 --> 00:59:03,360
Speaker 2: But I mean, I feel like the average person knows

1290
00:59:03,680 --> 00:59:05,920
Speaker 2: I can't take someone else's image and do what I

1291
00:59:05,960 --> 00:59:08,960
Speaker 2: want with it, let alone someone super famous. So it's just,

1292
00:59:09,520 --> 00:59:11,720
Speaker 2: you know, I just got a little joy from Ms Wallace, like,

1293
00:59:11,760 --> 00:59:15,040
Speaker 2: you know, coming at it from her peaceful, fabulous life

1294
00:59:15,600 --> 00:59:18,480
Speaker 2: to you know, to give the black Mama Stern talk

1295
00:59:18,600 --> 00:59:21,680
Speaker 2: to these two young girls. And so they I've heard

1296
00:59:21,720 --> 00:59:23,560
Speaker 2: since then, obviously they've taken the T shirts down because

1297
00:59:23,560 --> 00:59:24,760
Speaker 2: obviously they don't want to get sued.

1298
00:59:24,880 --> 00:59:26,920
Speaker 3: No, they're getting sued it because just came out yesterday.

1299
00:59:26,920 --> 00:59:27,640
Speaker 3: They're getting sued.

1300
00:59:27,960 --> 00:59:29,160
Speaker 1: Yeah, even more of a win.

1301
00:59:29,280 --> 00:59:31,600
Speaker 2: I'm sorry, And not that I don't have a Kardashian like,

1302
00:59:32,120 --> 00:59:35,200
Speaker 2: but it's just a lesson learned in like, come on, girl,

1303
00:59:35,440 --> 00:59:37,960
Speaker 2: like this is it's just not right to take people's images.

1304
00:59:38,040 --> 00:59:40,200
Speaker 3: So he just get a good legal team. Who's not

1305
00:59:40,280 --> 00:59:43,320
Speaker 3: gonna you know, who's gonna who's gonna be like, hey, girl,

1306
00:59:43,560 --> 00:59:47,000
Speaker 3: perhaps you don't want to do that. It's maybe illegal. Yeah,

1307
00:59:47,320 --> 00:59:49,200
Speaker 3: like you could hire some better lawyers because I'm not

1308
00:59:49,200 --> 00:59:51,920
Speaker 3: expecting them to know the finer details of trademark and

1309
00:59:51,960 --> 00:59:55,200
Speaker 3: copyright law. I just feel like they shouldn't know how

1310
00:59:55,200 --> 00:59:56,160
Speaker 3: to hire the right people.

1311
00:59:56,480 --> 00:59:58,920
Speaker 2: Exactly what you're gonna learn today, you're gonna learn today.

1312
00:59:59,440 --> 01:00:01,400
Speaker 2: So yeah, that was my little shady wind.

1313
01:00:03,240 --> 01:00:04,080
Speaker 3: That was shady.

1314
01:00:04,480 --> 01:00:04,880
Speaker 1: I know.

1315
01:00:07,280 --> 01:00:10,840
Speaker 3: I'm glad to I'm glad to be back. Yes, I

1316
01:00:10,880 --> 01:00:14,560
Speaker 3: am too, And we'll be back next week with another

1317
01:00:14,640 --> 01:00:18,680
Speaker 3: show and another show and another show. T if you

1318
01:00:18,720 --> 01:00:20,480
Speaker 3: tell them where they can find us.

1319
01:00:20,440 --> 01:00:24,920
Speaker 2: You can find us at Brown Ambition Podcast at gmail

1320
01:00:24,960 --> 01:00:25,440
Speaker 2: dot com.

1321
01:00:25,480 --> 01:00:26,000
Speaker 1: Is that right?

1322
01:00:26,400 --> 01:00:30,760
Speaker 3: I can't believe two years and I said it seventeen

1323
01:00:30,800 --> 01:00:35,600
Speaker 3: times this episode, I can't out seventeen and a half times.

1324
01:00:35,840 --> 01:00:37,240
Speaker 3: But yeah, you're right, you're right, You're right.

1325
01:00:37,360 --> 01:00:39,520
Speaker 2: And then you can also find us at Brown Ambition

1326
01:00:39,760 --> 01:00:45,120
Speaker 2: podcast dot com. And we are bron Ambition on Facebook

1327
01:00:45,120 --> 01:00:46,640
Speaker 2: where You're Gonna get your life because we'd like to

1328
01:00:46,640 --> 01:00:51,720
Speaker 2: post both fun, shady, inspirational all things brown videos.

1329
01:00:52,360 --> 01:00:55,840
Speaker 1: And two we're on Twitter. Are we VBA podcast or BA.

1330
01:00:55,640 --> 01:00:57,960
Speaker 3: Podcast at the BA Podcast at the.

1331
01:00:57,920 --> 01:01:00,760
Speaker 2: BA podcast on Twitter so either wait, just reach out

1332
01:01:00,800 --> 01:01:02,920
Speaker 2: and then Mandy, you're Mandy Money on Twitter.

1333
01:01:03,280 --> 01:01:06,480
Speaker 3: Mandy Money on the Gram. Although you can't follow me.

1334
01:01:06,520 --> 01:01:07,880
Speaker 3: I'm in my private stage right now.

1335
01:01:09,360 --> 01:01:10,240
Speaker 1: Do you want Twitter? Girl?

1336
01:01:10,320 --> 01:01:12,520
Speaker 3: Find me on Twitter at Mandy Woodruff.

1337
01:01:14,040 --> 01:01:16,600
Speaker 2: And I'm the Budget Lista on Twitter and on Instagram

1338
01:01:16,600 --> 01:01:18,240
Speaker 2: and I'm I'm public, so.

1339
01:01:21,000 --> 01:01:22,000
Speaker 1: I can't.

1340
01:01:22,160 --> 01:01:23,800
Speaker 3: I'm just keeping my options open.

1341
01:01:26,040 --> 01:01:26,920
Speaker 1: She's said, good luck with that.

1342
01:01:27,160 --> 01:01:30,280
Speaker 3: No, didn't we talk about our own happiness today, Tiffany,

1343
01:01:30,280 --> 01:01:32,520
Speaker 3: It makes me happy to close. I just want to

1344
01:01:32,520 --> 01:01:36,200
Speaker 3: close the door sometime. Okay. Plus, it's weird when Rando's

1345
01:01:36,200 --> 01:01:38,280
Speaker 3: comments on pictures of your friends babies. That's what I

1346
01:01:38,280 --> 01:01:39,960
Speaker 3: found this weekend. I'm like, this is odd.

1347
01:01:40,520 --> 01:01:42,400
Speaker 1: You're right, like you baby, You're like, I don't know.

1348
01:01:42,320 --> 01:01:44,520
Speaker 3: You don't talk about my friend's baby.

1349
01:01:45,040 --> 01:01:47,400
Speaker 1: Meanwhile, you close the baby on social I know.

1350
01:01:48,960 --> 01:01:53,440
Speaker 3: It's such a such a hard situation, you know. Okay,

1351
01:01:53,560 --> 01:01:55,560
Speaker 3: we'll go have the rest, good rest of your week.

1352
01:01:57,120 --> 01:02:00,360
Speaker 3: Taste to your happiness and your marriage and any more

1353
01:02:00,480 --> 01:02:08,880
Speaker 3: date nights in your future. Keep it fresh, keep it spicy.

1354
01:02:07,040 --> 01:02:09,200
Speaker 1: You as well. You know we're newbies in this, so

1355
01:02:09,200 --> 01:02:11,000
Speaker 1: we'll be growing, growing again,