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Speaker 1: Hey, hey, Hey, it's up.

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Speaker 2: I sound way more cheerful than I feel. I feel

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Speaker 2: so run down.

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Speaker 3: It's that mid January, holidays are over. What's the lead

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Speaker 3: to look forward to in life? Still getting dark at

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Speaker 3: four pm and it's negative million degrees type of vibe?

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Speaker 3: Is that what I'm feeling?

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Speaker 1: Yes?

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Speaker 2: Plus taxis it's coming. I paid taxes today and I

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Speaker 2: was like, wait what. I had a big scare, but

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Speaker 2: then turned I didn't know as much as I thought,

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Speaker 2: but still it's like I can't even shake that big scare.

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Speaker 2: It's almost like, you know, you think there's like a

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Speaker 2: monster in your closet and your parents turns on the light.

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Speaker 2: It's like there's no monster, but you're still looking at

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Speaker 2: the clost like there was a monster. I just feel like, ah,

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Speaker 2: I feel you.

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Speaker 1: I know, it's just uh.

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Speaker 2: And then I started my IVS, so I feel like

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Speaker 2: I'm on an emotional roller coaster.

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Speaker 1: But it took me a while to realize. I'm like,

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Speaker 1: why am I so wild?

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Speaker 3: Because you're being pumped full of hormones?

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Speaker 1: Right? Yes, it took me a minute to realize until

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Speaker 1: until Superman was like, what is your deal?

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Speaker 2: I'm like nothing, nothing, And then I was like, wait,

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Speaker 2: isn't the shots? And I was reading he was like,

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Speaker 2: I'm pretty sure it's the shots. So yeah, so I

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Speaker 2: was first of all, I was scared to death because

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Speaker 2: I'm not scared of needles, like but I mean, no

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Speaker 2: one says, yeah, a needle, right.

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Speaker 1: I mean you know, unless you know, I don't know, unless.

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Speaker 3: You're I did when I got milkshakes afterward, but no

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Speaker 3: one gives me those anymore.

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Speaker 2: But like, so the way it works is that they

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Speaker 2: have me on like these two types of medicine, so

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Speaker 2: I have to take you have to be a chemist.

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Speaker 1: I'm like, oh my god.

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Speaker 2: I was so nervous about the first one. I actually

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Speaker 2: drove to the doctor's office early morning to just do

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Speaker 2: it in front of them, because you have to like

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Speaker 2: mix the sailing mixture with just four vials of powder,

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Speaker 2: like mix it yourself, wait really yes, and then pull

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Speaker 2: it out like I mean you literally are like a chemist.

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Speaker 2: And then after all of that, then you have to

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Speaker 2: poke yourself. And so it was I'm not gonna lie.

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Speaker 2: Every morning I get a little bit of anxiety about

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Speaker 2: doing the mixture right and then and then at night

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Speaker 2: it's really easy, like the I guess whatever the medicine

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Speaker 2: is like almost like in a pen pen form, so

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Speaker 2: literally just kind of like put the pen against your

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Speaker 2: stomach and push your medicine in the needles self actually

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Speaker 2: doesn't really hurt. I would say on the scale of

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Speaker 2: one to ten, it's a two. But just the fact

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Speaker 2: of like you know, sticking a needle in your belly,

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Speaker 2: it's like, yay, not fun.

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Speaker 3: Times kind of goes against that base human instincts not

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Speaker 3: to impale oneself.

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Speaker 2: So yeah, but but yeah, so we'll see. So I

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Speaker 2: guess from what I understand, which I probably should know more,

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Speaker 2: but honestly, I just I'm tired that I think what

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Speaker 2: this medicine is doing is actually lowering my hormones on purpose.

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Speaker 2: So basically this medicine is pulling the rubber band back.

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Speaker 2: And then I'm gonna take a slingshot medicine like you know,

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Speaker 2: like I don't.

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Speaker 1: Know, like I don't know a week where it's actually.

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Speaker 2: Gonna like pop me forward, like you know, you let

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Speaker 2: go of the yeah and then all of a sudden

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Speaker 2: like because normally, as a woman, you know, you produce

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Speaker 2: one egg a month, so the pop forward is to say.

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Speaker 1: Ovulate and then hopefully you produce a ton of eggs.

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Speaker 2: You know, I don't know anywhere from I don't know

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Speaker 2: more than one to like ten fifteen.

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Speaker 1: I don't know how many women can produce.

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Speaker 2: So then from those eggs, so you know, at least

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Speaker 2: for me, they'll you know, they'll teak the eggs out,

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Speaker 2: you know, combine it with Superman his sperm, and then

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Speaker 2: like hopefully embryos grow, and then they'll choose you know,

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Speaker 2: up to two healthy embryos, because you still have the

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Speaker 2: there's still a chance that one of them is not

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Speaker 2: gonna make it, and they'll put two inside. Well, she's

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Speaker 2: gonna put two, and then it may be twins, it

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Speaker 2: may not.

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Speaker 3: You're gonna go for two, Okay.

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Speaker 2: Well she said, well not because she was like, honestly,

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Speaker 2: I'm not trying to for it's not for you to

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Speaker 2: have twins. It's just that there's a there's always a

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Speaker 2: high likelihood of one not making it. So it's really

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Speaker 2: so you can be guaranteed, like, you know, not guaranteed,

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Speaker 2: but you have a you know, a higher chance of

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Speaker 2: one making it.

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Speaker 1: But I don't hope it for twins, even though I'm

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Speaker 1: kind of.

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Speaker 3: Not Oh my god, yeah, we're gonna have to cancel

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Speaker 3: the show. If you have twins, I know you're gonna

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Speaker 3: do that.

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Speaker 2: I'm gonna have to take like a month because not

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Speaker 2: even a month month.

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Speaker 3: Okay, we'll cross that bridge it comes to.

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Speaker 2: And then from there so I don't know, I mean

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Speaker 2: so what So typically what happens is so you go

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Speaker 2: through the cycle of like shot shot shots, fulling shot,

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Speaker 2: pull the eggs, you know, mix it with with with

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Speaker 2: your partner's sperm, grow, grow, grow embryos, put one inside,

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Speaker 2: hope it grows.

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Speaker 1: If it doesn't, then you start all over. Shot shot shot.

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Speaker 1: So some people are like on their fifth or six, seventh,

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Speaker 1: tenth cycle, you know.

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Speaker 3: That's what they consider like a round of ibs. It's

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Speaker 3: from the hormones to the insemination and then like the

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Speaker 3: incubating of the embryos.

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Speaker 2: Yeah for the most part, and so and then if

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Speaker 2: it you know, if it doesn't, then you.

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Speaker 1: Go for another round. So that's a full round.

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Speaker 2: So this is my very So those of you who

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Speaker 2: have been following my journey, you're like, you're just now

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Speaker 2: getting to it. Yes, I had fibroids, and then I

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Speaker 2: had so many that they removed them. It's called scar

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Speaker 2: tissue and I had to have two surgeries to move that,

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Speaker 2: and it was just all of this this full year

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Speaker 2: and some change. But I think I had my fibward

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Speaker 2: search I want to say, like January, which like actually

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Speaker 2: right like right about now, January twenty fifth, I think,

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Speaker 2: And and now it's January twenty second, so literally almost

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Speaker 2: a year to date.

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Speaker 1: So it took a.

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Speaker 2: Year of like preparing my uterus for to be able

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Speaker 2: to carry babies. So that's why I'm just now getting

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Speaker 2: because most people don't have to go through all this,

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Speaker 2: like if they're getting IBF, they might not have a

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Speaker 2: fiber issue, so they just kind of go and start

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Speaker 2: the process.

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Speaker 1: But it's been a long time of preparation for me.

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Speaker 3: Man weill fingers no, and.

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Speaker 1: Who would have thought.

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Speaker 2: Meanwhile, you know, and when you're young, you're like, oh,

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Speaker 2: please don't be PREGGI good, Please do't get pressure plae

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Speaker 2: to get pregnant. Meanwhile, now it's like you bending over

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Speaker 2: backwards doing hulu oups, you know.

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Speaker 1: To get pregnant. It's so strange how life happens, because you.

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Speaker 2: Know, you could be fifteen and you're like, no, I

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Speaker 2: just looked at a penis and now I'm pregnant and

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Speaker 2: as a thirty nine year old woman, I'm like, please

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Speaker 2: come on, overes. So yeah, I mean, like I said,

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Speaker 2: it's I didn't realize it's not until you start talking

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Speaker 2: about IVA that you find out just how many women.

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Speaker 1: My doctor told me that that it.

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Speaker 2: Concerns the fertility industry that how how our fertility men

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Speaker 2: and women has significantly dropped over the years, that it's much, yeah,

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Speaker 2: much lower. Like there's a trend of it just going down, down, down,

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Speaker 2: And I'm like, wow, why do you think that is?

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Speaker 1: She was like, I don't know.

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Speaker 2: Honestly, they don't know is it's stress, is a diet.

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Speaker 2: They don't know why less and less women are fertile

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Speaker 2: and less and less men honestly are fertile.

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Speaker 3: Because that's interesting, Like that's the first time I've heard

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Speaker 3: fertility being down, because you hear like birth spain down,

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Speaker 3: which I think is a symptom of just people getting

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Speaker 3: married older and not wanting kids, in the economy and

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Speaker 3: all kinds of stuff. But fertility, Wait, are we are

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Speaker 3: we actually gonna be end up in the Handmaid's tail?

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Speaker 1: No?

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Speaker 2: Right, She was like, honestly, that you know that there's

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Speaker 2: an overall fertility issue happening. And I don't know if

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Speaker 2: she met in the United States or like worldwide, but yeah,

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Speaker 2: so she was like, you know, more and more folks

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Speaker 2: that you wouldn't expect to have, you know, a fertility

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Speaker 2: issue are She's like, like, you two, like, I don't drink.

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Speaker 2: I've never had. I don't smoke, I never have. You know,

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Speaker 2: I exercised fairly, you know, I mean, well, let me

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Speaker 2: not lie. I don't but I don't drink it, I

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Speaker 2: don't smoke, okay, but but yeah, so you know, I

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Speaker 2: don't know.

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Speaker 1: I just feel I'm not gonna lie.

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Speaker 2: I am scared because I'm feeling overwhelmed by business right now,

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Speaker 2: and I'm like, oh, how does the baby fitness all this?

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Speaker 3: Well I'm doing when you've got two of them in

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Speaker 3: your arms, you just make room. You'll you'll do it.

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Speaker 3: You're not the first working mom. You can do it.

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Speaker 3: You can do it. You'll find a way. Yeah, you'll

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Speaker 3: find me.

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Speaker 1: Williams can win a Grand Slam and have a baby.

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Speaker 3: Well, I mean, that's just don't compare yourself to her,

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Speaker 3: because she seriously she's got Beyonce's nanny on speed dial.

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Speaker 3: That's different.

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Speaker 1: Sure, but you.

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Speaker 3: Really, You've made me think about my own fertility. I

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Speaker 3: need to you guys know, I need to see some

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Speaker 3: doctors in my life. But I'm really it's not like

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Speaker 3: it's an immediate plan, but I'm definitely i'd rather know

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Speaker 3: now so I can because you know, I'm thirty one

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Speaker 3: right now, and I feel like I'm at a point

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Speaker 3: where I should at least see what's happening under the

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Speaker 3: hood a little bit more than I have. It's been Yeah,

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Speaker 3: it's been over a year since I went back to

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Speaker 3: the gynecologist. So that's not healthy. I'm going to do better.

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Speaker 1: It's good.

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Speaker 2: Like, you know, you don't want to find out you

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Speaker 2: have fibroids from randomly like wait what and so or

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Speaker 2: not you. But I'm just saying in general, like I

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Speaker 2: never I never thought about checking my fertility, you know,

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Speaker 2: like you just you know, as a woman, you just assume, like, well,

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Speaker 2: of course I could have a baby, it's just whether

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Speaker 2: or not do I want to or not. But I

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Speaker 2: never thought because I'm like, I'm one of five girls,

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Speaker 2: you know, Like I was like, uh, I come from

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Speaker 2: a fertile family, like my grandma had like you know,

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Speaker 2: eight children or whatever, and so but that's not you know,

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Speaker 2: one she didn't have them as late as I'm having

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Speaker 2: my first, you know, so it sometimes there's a fertility

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Speaker 2: issue that only that only comes up if you wait.

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Speaker 2: So like my my younger sister, she had two kids

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Speaker 2: boom boom, you know, back to but like like she

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Speaker 2: got married and literally within a year had her first

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Speaker 2: and then a year later had her second. But she

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Speaker 2: also had them in her like in her early thirties.

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Speaker 2: So maybe if I would have, you know, had my

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Speaker 2: first kid at thirty, it wouldn't I wouldn't have had

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Speaker 2: an issue.

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Speaker 1: So but yeah, so it's just good to.

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Speaker 2: Know where you stay and like going if you're thinking

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Speaker 2: that you might want to have kids in the future.

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Speaker 1: Because honestly, my doctor was like.

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Speaker 2: Uh, Tiffany, you know, like you like, she was like,

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Speaker 2: you should have been here yesterday. I was like, oh, thanks,

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Speaker 2: because apparently I guess what is it called?

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Speaker 1: Is it called follicles?

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Speaker 3: That's a word, but how are you using it?

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Speaker 2: I know, I'm like, there are I think, don't quote me.

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Speaker 2: So anyway, like inside, like I guess attached to your

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Speaker 2: you TuS, I want to say.

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Speaker 1: I'm probably wrong, but.

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Speaker 2: Right, So women have a number of follicles, So I

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Speaker 2: think you can have like I don't know how many

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Speaker 2: you can have on each side, you know, but each

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Speaker 2: of those fonnicles produces an egg. But some women have

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Speaker 2: like ten, you know. And so for me, I'm down

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Speaker 2: to four. If you don't have any follicles, you cannot

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Speaker 2: produce any egg, then you are truly you're truly not fertile.

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Speaker 1: No more eggs.

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Speaker 2: And so when I was like wow, when she said

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Speaker 2: I was down the four, I didn't know if I

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Speaker 2: was like, okay, so four compared to what And she

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Speaker 2: was like, you know, I would have to go to

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Speaker 2: see like the most women have. But she said, for example,

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Speaker 2: women can have ten, and I was like okay. And

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Speaker 2: for my age, although I'm thirty nine. At thirty nine,

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Speaker 2: I guess a typical thirty nine year old would have

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Speaker 2: more than four. So I don't know why it could

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Speaker 2: be hereditary. It could be, but see, like I wish

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Speaker 2: if I would have known, I mean, I don't know

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Speaker 2: that I would have been like, hey, Superman, let's get

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Speaker 2: this baby pop in.

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Speaker 1: I don't know what I would have sided.

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Speaker 2: But let's just say I waited another two years, you know,

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Speaker 2: and I lost two more follicles. You know, I don't

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Speaker 2: know if I was born with a lot a little

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Speaker 2: because I've never checked my follicles or whatever before. So

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Speaker 2: when she said that, I was like wow. So basically,

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Speaker 2: for me, time is of the essence. You know, men

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Speaker 2: can have like kids until they're like, you know, one

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Speaker 2: hundred and one.

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Speaker 1: But how do you mean?

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Speaker 3: Oh, sorry to interrupt, but I was going to ask

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Speaker 3: how do you? And I wonder if other women listening

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Speaker 3: have the same fear. But I've had friends, you've had miscarriages,

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Speaker 3: and I almost feel like preparing to have a kid

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Speaker 3: is also like mentally preparing for what can go wrong.

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Speaker 3: I mean, I'm a natural pessimist and it's not always

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Speaker 3: a good thing, but I wonder if that's crossed your mind,

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Speaker 3: and if you have like a plan for how you

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Speaker 3: might handle it, or if your doctor has talked about

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Speaker 3: that possibility at all.

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Speaker 1: Well.

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Speaker 2: I haven't mentioned this before, but actually I had a

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Speaker 2: miscarriage a year ago. That's how I found out that

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Speaker 2: I had five words, and so it was like it

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Speaker 2: was only I was only like two months in two

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Speaker 2: and a half, so I knew I was having like

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Speaker 2: crazy pains. It was like Superman and I had just

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Speaker 2: gotten married. Not even it wasn't a year ago, it

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Speaker 2: was you know, no, no, it was because I had

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Speaker 2: the five words surgery not that long after, but I

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Speaker 2: found out I was pregnant.

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Speaker 1: I was like, what, Okay, it's good.

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Speaker 2: But then like soon after, like you know, only like

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Speaker 2: like a month or two in, I just was having

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Speaker 2: like really terrible stomach pains and it was like, I

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Speaker 2: don't know, I felt like I was getting kicked in

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Speaker 2: the stomach, and so I went to the emergency room and.

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Speaker 1: And she was like, uh, are you shying? You're pregnant.

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Speaker 2: I'm like, well, I took like a number of test

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Speaker 2: I had so many five boards they couldn't even see.

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Speaker 1: And I didn't even know that I had five words.

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Speaker 2: And I was like what And I lost the baby

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Speaker 2: and I was I mean, it was like a mix

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Speaker 2: between like I don't want to I felt like I

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Speaker 2: felt it more after than during, because I was more shocked,

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Speaker 2: like I have five woids, you know, and so but he.

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Speaker 1: Oh, I'm sorry, that's my IVF shot reminder.

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Speaker 3: Okay, I'm keeping that in you.

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Speaker 2: So, so what I what I learned was like I

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Speaker 2: had so many five woords so here's the thing that

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Speaker 2: even it was better for me to have had that mischaracter,

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Speaker 2: like you know, I was like, like I said, a

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Speaker 2: little under three months because my all the five boids

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Speaker 2: combined were like the size of me being like four

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Speaker 2: months pregnant, meaning that that those fibers are taking so

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Speaker 2: much space the baby would not have been able to

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Speaker 2: grow past six months, like as far as size, you know,

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Speaker 2: So imagine having a miscaracter at six months, you know.

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Speaker 1: So that's what I found out, and so of course

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Speaker 1: I right away it was like, well I want to

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Speaker 1: get rid of them.

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Speaker 2: I mean, there's all these natural remedies and things that

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Speaker 2: you can you could try, but I was like I

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Speaker 2: didn't want to wait like two years for something to work,

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Speaker 2: and so you know, I decided to have the five

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Speaker 2: word surgery. It actually went really really well. I had

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Speaker 2: a really good doctor. My recovery was I mean, I

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Speaker 2: thought everyone's five word surgery was kind of like that.

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Speaker 2: And so a number of my friends had it after me,

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Speaker 2: and they didn't have as their.

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Speaker 1: Recovery was much harder. For My recovery was really.

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Speaker 2: Like after a couple of days, I felt like almost

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Speaker 2: myself again. I had to remind myself you have stitches

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Speaker 2: like sit, you know, settle down. So the surgery was fine,

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Speaker 2: but then I kept getting the scar tissue because I

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Speaker 2: had so many fibers removed. And so finally I think

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Speaker 2: I mentioned like in a previous episode they had to

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Speaker 2: put with that the iud into me like the thing

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Speaker 2: that you normally put in with Yeah, just basically the

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Speaker 2: whole by us open. And also I didn't realize and

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Speaker 2: so I recently spoke to my doctor to release medicine

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Speaker 2: so the five boids wouldn't grow back, because you know,

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Speaker 2: five boards are not something that you can you can

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Speaker 2: remove them, but they can come back. And since she

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Speaker 2: knew I was gonna be recovering for a long time,

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Speaker 2: I could a year later be back with five boids.

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Speaker 2: So I don't have five boys and out.

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Speaker 1: Thank god.

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Speaker 2: I just got checked maybe like a week ago. But yeah,

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Speaker 2: so now that's why for me, time is really of

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Speaker 2: the essence. It's like Tiffany now, like everything has to

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Speaker 2: be on hold. If you want to have a kid,

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Speaker 2: you basically have to, you know, do it now. And

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Speaker 2: so yeah, it's so, I mean, I can't say I'm

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Speaker 2: prepared for a miscarag but I know that it's possible,

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Speaker 2: and I don't know. I know people who are like

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Speaker 2: on cycle seven. I don't know what that must feel like,

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Speaker 2: where you try again and you.

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Speaker 1: You know, you go again and put the embrys. I

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Speaker 1: don't know what that must feel like.

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Speaker 2: So I just you know, one cycle at a time,

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Speaker 2: and you know, prayerfully that this is my this is it.

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Speaker 1: You know, I do this cycle.

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Speaker 2: It takes really well, and I don't have to do

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Speaker 2: it like, you know, again and again. That's why I'm

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Speaker 2: kind of hoping for twins because I'm not gonna lie.

360
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Speaker 2: I do not want to go through this process again.

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Speaker 2: And I think I really would like to have like

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Speaker 2: more than one kid because we have Supergirl, but she's twelve,

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Speaker 2: and I feel like there's nothing like growing up with

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Speaker 2: a sibling close in age. Yeah, and so I would like,

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Speaker 2: you know, if I have the opportunity, I want to

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Speaker 2: give that, you know, to my child because they'll have

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Speaker 2: a sister. But you know, I know, like Lisa, I

368
00:16:32,760 --> 00:16:34,760
Speaker 2: was nine when my baby sister, Lisa was born, so

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Speaker 2: I was like, I'm an adult.

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Speaker 1: You know, we didn't actually grow up playing together, you know.

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Speaker 3: Yeah, I mean Supergirl's a lost cause anyway.

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Speaker 1: She is ready supergirls, like bring the baby.

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Speaker 3: Home for now, for now. You know when she when

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Speaker 3: when you came home his wife, she reacted so well

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Speaker 3: to that.

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Speaker 1: No, I know, yeah yeah, but yeah, so I mean.

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Speaker 3: Wait, do you need to do you need to go

378
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Speaker 3: take shot or something? I heard that job.

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Speaker 2: No, I have, like I put it, you have a

380
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Speaker 2: two hour window, so I have plenty. Okay, yeah, but

381
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Speaker 2: I'm like, yeah, whenever I hear it, I'm.

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Speaker 1: Like, no, no more shot. It's something else being a woman,

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Speaker 1: I tell you.

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Speaker 3: Listen. I was just complaining to my husband, like I

385
00:17:15,200 --> 00:17:17,320
Speaker 3: haven't talked to my mother in law since Christmas. And

386
00:17:17,359 --> 00:17:19,600
Speaker 3: I was adding, you know, a week after Christmas. I

387
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Speaker 3: was like, well it's been a week. And now I'm

388
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Speaker 3: thinking it's been a month and I haven't called her.

389
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Speaker 3: And I was just like, man, you know, do you

390
00:17:25,640 --> 00:17:28,000
Speaker 3: feel guilty for not talking to my dad or my mom?

391
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Speaker 3: And am I? And He's like, what, I don't think

392
00:17:31,160 --> 00:17:33,160
Speaker 3: he even texts either of them, Like, no one, there's

393
00:17:33,200 --> 00:17:36,520
Speaker 3: no expectation for him to visit them or call them.

394
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Speaker 3: And I'm like, do you see what's happening here? Like

395
00:17:38,720 --> 00:17:41,199
Speaker 3: I'm actually stressed out, and she's mad at me for

396
00:17:41,320 --> 00:17:44,280
Speaker 3: not communicating more. And it's just like such a double standard.

397
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Speaker 3: So I know that's it's different than you know, the

398
00:17:47,400 --> 00:17:49,480
Speaker 3: fertility things, but yes, it is something being a woman.

399
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Speaker 3: There's just such it's just such a different game, such

400
00:17:52,240 --> 00:17:54,800
Speaker 3: a different game because.

401
00:17:54,600 --> 00:17:56,760
Speaker 1: You're expected to still like do everything.

402
00:17:56,840 --> 00:17:58,640
Speaker 2: It's like, oh, you took a shot, okay, so you're

403
00:17:58,680 --> 00:18:01,359
Speaker 2: gonna show up and still come to work. Oh you

404
00:18:01,600 --> 00:18:03,560
Speaker 2: like you know, Oh yeah, a miscarriage, oh you know,

405
00:18:04,000 --> 00:18:06,640
Speaker 2: but you still have to like show up. And it's

406
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Speaker 2: just like, oh, it's just.

407
00:18:08,760 --> 00:18:10,600
Speaker 3: What Superman going through? What's he up to?

408
00:18:11,000 --> 00:18:12,040
Speaker 1: For real? You know?

409
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Speaker 2: Like I mean honestly, I mean obviously we have amazing husbands,

410
00:18:16,200 --> 00:18:17,680
Speaker 2: but it's not the same.

411
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Speaker 1: Like today, I literally was.

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Speaker 2: Like, like I came from the accountant. I was feeling

413
00:18:22,680 --> 00:18:24,879
Speaker 2: so overwhelmed, and I was like, oh, man, like I

414
00:18:24,920 --> 00:18:27,000
Speaker 2: have to make dinner when I come home, and then

415
00:18:27,040 --> 00:18:28,119
Speaker 2: I have to take front of me.

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Speaker 1: So I came home and he saw my face. He's like,

417
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Speaker 1: are you okay? I was like, what do you want

418
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Speaker 1: with your chicken? He was like, man, I can make dinner.

419
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Speaker 1: I was like, no, it's fine because it's said.

420
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Speaker 2: I'm gonna make dinner more often, you know, And he

421
00:18:43,640 --> 00:18:45,439
Speaker 2: was like, honestly, I really I'm not.

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Speaker 1: I don't want to eat your dinner, right.

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Speaker 3: I'll just.

424
00:18:49,119 --> 00:18:52,399
Speaker 1: Take But it's like, you know cause I feel guilty

425
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Speaker 1: about that too.

426
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Speaker 2: Because I'm like, oh, I don't make dinner as much

427
00:18:55,240 --> 00:18:57,760
Speaker 2: as I should. And my good step mom, I feel

428
00:18:57,760 --> 00:18:59,760
Speaker 2: like Supergirl still hates me half the time.

429
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Speaker 1: Some days she's like, hey, taping.

430
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Speaker 2: Other days I'm like, good morning, and it's crickd So

431
00:19:04,280 --> 00:19:05,520
Speaker 2: I'm like, what have I done to you?

432
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Speaker 1: Oh, I'm just like and then I'm like, I want

433
00:19:08,640 --> 00:19:10,280
Speaker 1: to be a good donner. You want to be a

434
00:19:10,280 --> 00:19:10,880
Speaker 1: good friend.

435
00:19:11,359 --> 00:19:12,960
Speaker 3: You're starting Yeah, okay.

436
00:19:12,920 --> 00:19:13,520
Speaker 1: I know that.

437
00:19:15,560 --> 00:19:18,440
Speaker 2: Say, And to be fair, I'm like, yo, these shots

438
00:19:18,480 --> 00:19:20,400
Speaker 2: are something else because I'm like, Tetha, you weren't wild

439
00:19:20,560 --> 00:19:21,119
Speaker 2: like this before.

440
00:19:21,520 --> 00:19:22,920
Speaker 1: And it's not until I was talking to my best

441
00:19:22,920 --> 00:19:26,440
Speaker 1: friend Drina. She was like, so I think the shots

442
00:19:26,680 --> 00:19:32,480
Speaker 1: aren't and now I'm laughing. I am truly feeling crazy.

443
00:19:32,560 --> 00:19:35,040
Speaker 2: So yes, so if i'm you could feel free to

444
00:19:35,080 --> 00:19:36,879
Speaker 2: really be on in because I know the shots definitely

445
00:19:36,880 --> 00:19:38,280
Speaker 2: have me on a roller coaster ride.

446
00:19:38,560 --> 00:19:40,560
Speaker 3: No, well, I'm really happy that you're sharing, and I

447
00:19:40,600 --> 00:19:43,400
Speaker 3: mean come on, we I think everyone listening can relate,

448
00:19:43,440 --> 00:19:46,280
Speaker 3: at least in some parts what you're going through. So well,

449
00:19:46,520 --> 00:19:49,640
Speaker 3: good vibes, nothing but good vibes, good baby vibes, and

450
00:19:49,840 --> 00:19:51,080
Speaker 3: uh yeah, keep us posted.

451
00:19:51,960 --> 00:19:53,440
Speaker 1: We'll do now.

452
00:19:53,440 --> 00:19:56,520
Speaker 3: For my Debbie Downer segue, I feel like we need

453
00:19:56,520 --> 00:19:59,359
Speaker 3: some kind of sad gong or something. Day thirty three

454
00:19:59,760 --> 00:20:04,760
Speaker 3: of the government shut down. Yeah, my husband's contributing nothing

455
00:20:04,760 --> 00:20:06,480
Speaker 3: to the household, and yet he's still having to go

456
00:20:06,520 --> 00:20:09,640
Speaker 3: to work every day. It sucks. Like there's people who

457
00:20:09,720 --> 00:20:11,720
Speaker 3: if you're if you're considered non essentially, you don't have

458
00:20:11,760 --> 00:20:13,920
Speaker 3: to go to work, and yes, that sucks because you

459
00:20:14,000 --> 00:20:15,720
Speaker 3: know you're not working, you're not getting paid. But he's

460
00:20:15,760 --> 00:20:17,440
Speaker 3: considered essential, so he still has to go to work

461
00:20:17,480 --> 00:20:19,680
Speaker 3: and still isn't getting paid. And he's like it's never

462
00:20:19,720 --> 00:20:21,840
Speaker 3: been busier, so he's still working late. He had to

463
00:20:21,840 --> 00:20:24,640
Speaker 3: go to work on Saturday. Like, when is this madness

464
00:20:24,640 --> 00:20:29,080
Speaker 3: gonna end? I read some article about a guy who's

465
00:20:29,119 --> 00:20:32,040
Speaker 3: like making Star Wars figurines to make extra income and

466
00:20:32,080 --> 00:20:34,679
Speaker 3: how people are trying to find side hustles just to

467
00:20:34,960 --> 00:20:36,800
Speaker 3: just to kind of make ends meet, and I just

468
00:20:37,160 --> 00:20:39,359
Speaker 3: I can't. I can't take it much longer.

469
00:20:39,520 --> 00:20:42,240
Speaker 2: No, you know, it's so crazy because having a government

470
00:20:42,280 --> 00:20:44,000
Speaker 2: job was supposed to be like the safest job you

471
00:20:44,040 --> 00:20:48,120
Speaker 2: can get, like that, you know, super secure, great insurance,

472
00:20:48,200 --> 00:20:50,320
Speaker 2: and now it's like is it you know.

473
00:20:50,840 --> 00:20:54,359
Speaker 3: Yeah, tax sis is going to be interesting. You mentioned

474
00:20:54,400 --> 00:20:56,119
Speaker 3: that earlier. I don't even know. I mean with the

475
00:20:56,119 --> 00:20:59,280
Speaker 3: irs already being like kind of a shit show. Now

476
00:20:59,280 --> 00:21:02,800
Speaker 3: when you consider the I mean, they're saying that they're

477
00:21:02,800 --> 00:21:04,560
Speaker 3: going to do their best to get everything out on

478
00:21:04,640 --> 00:21:06,920
Speaker 3: time per usual. But they're saying that, but I don't

479
00:21:06,960 --> 00:21:09,240
Speaker 3: know if it all you know, things will actually happen,

480
00:21:09,280 --> 00:21:11,680
Speaker 3: because what are we supposed to start getting w well,

481
00:21:11,800 --> 00:21:15,200
Speaker 3: you don't know, but the end of Jenny right.

482
00:21:15,160 --> 00:21:19,359
Speaker 4: Right, yeah, yeah, and it even affects everyone, like I

483
00:21:19,640 --> 00:21:21,680
Speaker 4: two of my companies, I switched from an ES Corp

484
00:21:21,720 --> 00:21:25,080
Speaker 4: to a SA corp that's different that that means I'll

485
00:21:25,119 --> 00:21:26,080
Speaker 4: be taxed differently.

486
00:21:26,800 --> 00:21:30,040
Speaker 2: Submitted this stuff in November through my account. Of course

487
00:21:30,040 --> 00:21:34,239
Speaker 2: he did it December. They were like closed, and so

488
00:21:34,800 --> 00:21:36,560
Speaker 2: now he's trying to call because we have to do

489
00:21:36,600 --> 00:21:39,000
Speaker 2: our taxes and so we don't know how to file

490
00:21:39,119 --> 00:21:40,840
Speaker 2: am I an escorp, am I a C Corp.

491
00:21:41,040 --> 00:21:43,520
Speaker 1: And there's nobody to ask. That's totally.

492
00:21:43,800 --> 00:21:46,680
Speaker 2: That's the difference is like tens of thousands of dollars

493
00:21:46,720 --> 00:21:49,639
Speaker 2: in taxes because if they say no, we're not going

494
00:21:49,680 --> 00:21:50,960
Speaker 2: to allow you to be a sea corp, then I

495
00:21:51,000 --> 00:21:53,240
Speaker 2: owe more. And if they say yes, you could be

496
00:21:53,280 --> 00:21:56,399
Speaker 2: a sea corp, than I owe less, and so you

497
00:21:56,440 --> 00:22:00,600
Speaker 2: know it, even though well, yeah, no, oh, there's no

498
00:22:00,720 --> 00:22:01,800
Speaker 2: there's no one to answer.

499
00:22:01,880 --> 00:22:03,600
Speaker 1: He's called and.

500
00:22:04,040 --> 00:22:06,040
Speaker 2: Yeah, because you have to be you know, you have

501
00:22:06,080 --> 00:22:08,760
Speaker 2: to be approved. And he's like, well, we're gonna we're

502
00:22:08,760 --> 00:22:11,960
Speaker 2: gonna move forward with the thinking that you're a CE corp.

503
00:22:12,040 --> 00:22:13,760
Speaker 2: But they might come back and say otherwise, or they

504
00:22:13,800 --> 00:22:15,919
Speaker 2: might say, hey, you could be a sea corp, but

505
00:22:15,960 --> 00:22:18,560
Speaker 2: you can't. It can't be since January first. We'll only

506
00:22:18,640 --> 00:22:21,359
Speaker 2: let you since when you're filed in November. So there's

507
00:22:21,400 --> 00:22:24,600
Speaker 2: no it could be three different answers and so that

508
00:22:24,760 --> 00:22:28,040
Speaker 2: so it affects, It affects let's shut down. It's affecting everyone,

509
00:22:28,160 --> 00:22:30,640
Speaker 2: even if you don't directly work for the federal government.

510
00:22:30,680 --> 00:22:34,320
Speaker 2: And it's just I don't I don't like what's the

511
00:22:34,480 --> 00:22:36,119
Speaker 2: end goal here? You know, well, I know what the

512
00:22:36,160 --> 00:22:36,800
Speaker 2: end goal is.

513
00:22:36,680 --> 00:22:42,840
Speaker 3: But the wall chaos distraction. Well, it's also impacting people

514
00:22:42,920 --> 00:22:45,080
Speaker 3: in the mortgage process. We've heard about that recently. So

515
00:22:45,080 --> 00:22:47,320
Speaker 3: if you're like a federal worker and your bank is

516
00:22:47,359 --> 00:22:49,760
Speaker 3: asking you for, you know, records of your payment in

517
00:22:49,840 --> 00:22:52,359
Speaker 3: the middle of an underwriting phase. They don't just do

518
00:22:52,400 --> 00:22:54,239
Speaker 3: that at the beginning of a loan application. They'll come

519
00:22:54,280 --> 00:22:56,119
Speaker 3: at the very end too. If you're like closing and

520
00:22:56,160 --> 00:22:58,879
Speaker 3: do another check of all your records, and if all

521
00:22:58,920 --> 00:23:02,040
Speaker 3: of a sudden you know you've been furloughed, that could

522
00:23:02,080 --> 00:23:05,520
Speaker 3: that could you know, throw a wrench in your plan

523
00:23:05,600 --> 00:23:07,679
Speaker 3: unless you kind of talk to your lender. But on

524
00:23:07,720 --> 00:23:10,199
Speaker 3: the on the bright side, we did recently write a

525
00:23:10,240 --> 00:23:13,320
Speaker 3: story about a bunch of banks kind of offering assistance

526
00:23:13,359 --> 00:23:16,440
Speaker 3: to federal workers who've been furloughed. So if you've got

527
00:23:16,480 --> 00:23:18,359
Speaker 3: loan payments due, or you're going to miss your credit

528
00:23:18,359 --> 00:23:20,880
Speaker 3: card payment or something like that, call up your bank

529
00:23:20,920 --> 00:23:22,640
Speaker 3: and check out their website and see if they offer

530
00:23:22,640 --> 00:23:26,920
Speaker 3: any kind of financial hardship program. They're typically used after

531
00:23:27,000 --> 00:23:30,639
Speaker 3: like natural disasters. But it's been good to see banks

532
00:23:30,680 --> 00:23:33,320
Speaker 3: doing the right thing and agreeing to work with workers,

533
00:23:33,359 --> 00:23:36,480
Speaker 3: because this is seriously out of anybody's hands except for

534
00:23:37,119 --> 00:23:38,560
Speaker 3: our elected officials.

535
00:23:38,880 --> 00:23:40,520
Speaker 1: Yeah. No, that has been really good to see.

536
00:23:40,520 --> 00:23:41,879
Speaker 2: I've seen a lot, and I've seen a lot of

537
00:23:41,920 --> 00:23:46,080
Speaker 2: people giving and like restaurants like offering free lunches, and

538
00:23:46,160 --> 00:23:49,119
Speaker 2: it's just you know, there's been a lot of just

539
00:23:49,400 --> 00:23:50,600
Speaker 2: like heartwarming things.

540
00:23:50,680 --> 00:23:52,639
Speaker 1: But it would just be nice for people.

541
00:23:52,720 --> 00:23:55,399
Speaker 2: I honestly, I can't imagine, you know, when I was

542
00:23:55,440 --> 00:23:56,400
Speaker 2: a preschool teacher.

543
00:23:56,240 --> 00:23:57,840
Speaker 1: Being like, oh, no check for no check for the

544
00:23:57,840 --> 00:23:58,919
Speaker 1: whole month. I don't even know.

545
00:24:00,160 --> 00:24:31,480
Speaker 5: Yeah, that's crazy.

546
00:24:35,359 --> 00:24:41,800
Speaker 6: It's time for questions. I guess guess the song ah

547
00:24:42,760 --> 00:24:46,480
Speaker 6: was it's time for questions?

548
00:24:47,160 --> 00:24:49,200
Speaker 3: I yeah, I don't do it again, but I don't.

549
00:24:49,040 --> 00:24:56,320
Speaker 2: Know, oh, because you know, I was trying to think, like,

550
00:24:56,359 --> 00:24:58,240
Speaker 2: what's the second part of the melody?

551
00:24:59,440 --> 00:25:00,159
Speaker 1: Oh, I get a I went.

552
00:25:00,280 --> 00:25:03,000
Speaker 2: For those of you guests, I want you to tweet

553
00:25:03,080 --> 00:25:06,639
Speaker 2: us at the BA podcast and let us know if

554
00:25:06,680 --> 00:25:09,800
Speaker 2: you know what that tune is, the questions tune.

555
00:25:10,880 --> 00:25:12,840
Speaker 3: You can rewind it to hear it again, but don't

556
00:25:13,000 --> 00:25:14,080
Speaker 3: actually do it again.

557
00:25:17,080 --> 00:25:20,080
Speaker 1: All right, so you could email us your questions.

558
00:25:20,160 --> 00:25:25,800
Speaker 3: Ask Brown Ambition Podcasts at gmail dot com.

559
00:25:25,840 --> 00:25:30,400
Speaker 2: I'm actually gonna dig into the Dreamcatchers group on Facebook Extreamcatchers,

560
00:25:30,480 --> 00:25:33,920
Speaker 2: Colon Live Richer with a bunch Ofista. This question comes

561
00:25:33,960 --> 00:25:35,840
Speaker 2: from Well, because this is a private group, I'm not

562
00:25:35,880 --> 00:25:38,520
Speaker 2: going to say her her name. I'm going to say

563
00:25:38,520 --> 00:25:42,600
Speaker 2: her name is Maria. Maria says, what are you?

564
00:25:42,880 --> 00:25:43,520
Speaker 1: What is your thought?

565
00:25:43,560 --> 00:25:46,760
Speaker 2: What are your thoughts on paying a credit prepare agency

566
00:25:46,800 --> 00:25:50,679
Speaker 2: monthly to clean up your credit compared to doing it yourself? Also,

567
00:25:51,160 --> 00:25:55,160
Speaker 2: is it better to dispute items or negotiate a settlement

568
00:25:55,200 --> 00:25:59,520
Speaker 2: for deletion? So credit pair versus doing yourself dispute or

569
00:25:59,560 --> 00:26:01,119
Speaker 2: negotiat a settlement for deletion?

570
00:26:02,359 --> 00:26:04,360
Speaker 1: This is Maria? What say you, Manadra?

571
00:26:05,080 --> 00:26:05,320
Speaker 2: Yeah?

572
00:26:05,480 --> 00:26:07,560
Speaker 3: Credit repair, I mean this is one of those topics

573
00:26:07,600 --> 00:26:11,280
Speaker 3: that or one of those things that isn't necessarily nefarious

574
00:26:11,600 --> 00:26:15,560
Speaker 3: or predatory but easily can get into that can get

575
00:26:15,600 --> 00:26:17,359
Speaker 3: into that lane. So you have to really be careful

576
00:26:17,359 --> 00:26:20,680
Speaker 3: when you're vetting, when you're vetting a credit repair firm,

577
00:26:20,800 --> 00:26:24,320
Speaker 3: and make sure that your expectations of them are realistic

578
00:26:24,920 --> 00:26:27,720
Speaker 3: and that the value of them taking the time to

579
00:26:27,760 --> 00:26:30,320
Speaker 3: do something that you could do yourself is worth it

580
00:26:30,359 --> 00:26:33,560
Speaker 3: to you to pay for it. That would be my warning.

581
00:26:34,240 --> 00:26:36,560
Speaker 3: So read reviews, you know, check see if there there

582
00:26:36,600 --> 00:26:40,479
Speaker 3: have been complaints about them online. The Consumer Financial Protection

583
00:26:40,600 --> 00:26:44,919
Speaker 3: Bureau still publishes a report where they track, you know,

584
00:26:45,040 --> 00:26:51,280
Speaker 3: complaints against different financial institutions. Uh, you know, and and yeah,

585
00:26:51,320 --> 00:26:53,719
Speaker 3: I just have a hard time saying it's it's it

586
00:26:53,800 --> 00:26:57,040
Speaker 3: can help, and I think it can be helpful in

587
00:26:57,080 --> 00:27:00,440
Speaker 3: certain situations, especially for people who just feel over whelmed.

588
00:27:00,640 --> 00:27:04,119
Speaker 3: But it's not like it's not like the panacea to

589
00:27:04,160 --> 00:27:06,320
Speaker 3: all your problems. It won't solve everything. It's not a

590
00:27:06,320 --> 00:27:09,800
Speaker 3: magic pill that'll remove all your debt and save all

591
00:27:09,840 --> 00:27:13,720
Speaker 3: your woes. Like Tiffany always says, like, if poor credit

592
00:27:13,800 --> 00:27:17,040
Speaker 3: histories on your report and it's true, it's it'll stay there.

593
00:27:16,960 --> 00:27:17,159
Speaker 1: You know.

594
00:27:17,320 --> 00:27:19,879
Speaker 2: Yeah, And that's the thing about when you're like this,

595
00:27:20,119 --> 00:27:25,000
Speaker 2: uh Maria saying, dispute items and negotiate a settlement for deletion.

596
00:27:25,680 --> 00:27:28,080
Speaker 2: But here's the thing, and this is the thing that

597
00:27:28,160 --> 00:27:32,280
Speaker 2: sometimes the disreputable credit repair agencies do. And I hate

598
00:27:32,320 --> 00:27:35,720
Speaker 2: that so honestly that sometimes dream catches that they've got

599
00:27:35,800 --> 00:27:39,159
Speaker 2: you thinking that disputing true items is the way to

600
00:27:39,160 --> 00:27:41,960
Speaker 2: clean up your credit report. It's true, like when you

601
00:27:42,040 --> 00:27:45,800
Speaker 2: dispute something, you're saying, hey, this is not true, but

602
00:27:46,119 --> 00:27:49,800
Speaker 2: if you did indeed swipe your visa and oh, visa,

603
00:27:50,359 --> 00:27:53,480
Speaker 2: that's true. So you're really not supposed to dispute that

604
00:27:53,520 --> 00:27:56,920
Speaker 2: because and less visa says you owe five hundred when

605
00:27:56,960 --> 00:27:57,639
Speaker 2: you know you only.

606
00:27:57,520 --> 00:27:58,520
Speaker 1: Owe two hundred. You know.

607
00:27:59,160 --> 00:28:02,320
Speaker 2: Yeah, So to me saying should you dispute items, will

608
00:28:02,359 --> 00:28:05,280
Speaker 2: only dispute it if it's not true, or negotiate a

609
00:28:05,280 --> 00:28:08,880
Speaker 2: settlement for a deletion. Now, negotiating a settlement, I mean

610
00:28:09,320 --> 00:28:11,640
Speaker 2: to me, here's the thing. It really kind of depends

611
00:28:11,680 --> 00:28:14,040
Speaker 2: on what it's worth to you. Now, if you owe

612
00:28:14,080 --> 00:28:16,400
Speaker 2: fifty thousand dollars and you want to negotiate a settlement

613
00:28:16,480 --> 00:28:18,639
Speaker 2: down to ten, it's going to be worth to me

614
00:28:18,800 --> 00:28:21,359
Speaker 2: that's probably worth the hit to your credit report.

615
00:28:21,480 --> 00:28:22,760
Speaker 1: But no, that.

616
00:28:22,800 --> 00:28:27,639
Speaker 2: Because if basically they've forgiven forty thousand dollars worth of debt,

617
00:28:27,800 --> 00:28:30,080
Speaker 2: you're likely going to have to pay taxes on what

618
00:28:30,200 --> 00:28:33,560
Speaker 2: was not paid because what's not paid is considered income

619
00:28:33,920 --> 00:28:36,359
Speaker 2: to the federal government, right, So that's one you have

620
00:28:36,400 --> 00:28:38,560
Speaker 2: to keep that in mind. So you might have to pay,

621
00:28:38,600 --> 00:28:42,120
Speaker 2: you know, twenty five thirty percent on that money that

622
00:28:42,280 --> 00:28:43,480
Speaker 2: wasn't paid.

623
00:28:43,720 --> 00:28:46,000
Speaker 1: But sometimes that's still worth it to some folks.

624
00:28:46,120 --> 00:28:49,600
Speaker 2: But I've seen people settle, like, you know, five hundred

625
00:28:49,600 --> 00:28:51,760
Speaker 2: dollars worth of debt, and it's not necessarily worth it

626
00:28:51,800 --> 00:28:54,320
Speaker 2: if you can pay that off, because like having a

627
00:28:54,360 --> 00:28:57,960
Speaker 2: settlement on your credit report can really give you a

628
00:28:58,080 --> 00:29:00,720
Speaker 2: nasty thing. And I don't know that it's worth it

629
00:29:00,760 --> 00:29:03,440
Speaker 2: for five hundred dollars, you know, So it's really up

630
00:29:03,480 --> 00:29:04,360
Speaker 2: to you to decide.

631
00:29:04,600 --> 00:29:07,920
Speaker 3: Is that being like more painful than or worse for

632
00:29:07,960 --> 00:29:10,959
Speaker 3: your credit than just the continuous you know, non payment

633
00:29:10,960 --> 00:29:13,200
Speaker 3: of debt, like if you're not being able to make

634
00:29:13,240 --> 00:29:15,480
Speaker 3: your payments and finally you just settle it.

635
00:29:15,720 --> 00:29:18,080
Speaker 1: Yeah, so I say this, So this is what was

636
00:29:18,120 --> 00:29:18,960
Speaker 1: told to share it with me.

637
00:29:19,080 --> 00:29:21,120
Speaker 2: Like I remember I was deciding whether it's to settle,

638
00:29:21,120 --> 00:29:23,040
Speaker 2: and I and had already not. This is like when

639
00:29:23,280 --> 00:29:25,120
Speaker 2: my mortgage I had already not paid for a longer

640
00:29:25,160 --> 00:29:27,760
Speaker 2: period of time, and my friend MICHAELA who's a lawyer,

641
00:29:27,840 --> 00:29:30,040
Speaker 2: was like, we're here now, Tiffany.

642
00:29:29,680 --> 00:29:31,280
Speaker 1: Like I was like, oh no, no, I don't want it

643
00:29:31,320 --> 00:29:34,040
Speaker 1: to because I was talking about foreclosure. And she's like, uh,

644
00:29:34,120 --> 00:29:35,720
Speaker 1: you haven't paid your mortgage in a year.

645
00:29:36,760 --> 00:29:39,680
Speaker 2: It was basically like your credit score is already in

646
00:29:39,680 --> 00:29:41,760
Speaker 2: the gutter. This is just you kicking the can in

647
00:29:41,800 --> 00:29:45,400
Speaker 2: the gutter. I was like, okay, So so basically, yes,

648
00:29:45,480 --> 00:29:50,960
Speaker 2: if you are behind for a long time, then settling

649
00:29:51,160 --> 00:29:53,120
Speaker 2: is not a huge thing. But let's just say I

650
00:29:53,120 --> 00:29:55,280
Speaker 2: wouldn't come out the gate settling if you don't have

651
00:29:55,360 --> 00:29:57,880
Speaker 2: to unless you're really going to save a significant amount

652
00:29:57,920 --> 00:29:59,000
Speaker 2: of money that's worth.

653
00:29:58,760 --> 00:30:00,240
Speaker 1: It because settling.

654
00:30:00,840 --> 00:30:02,280
Speaker 2: Think you have to think about this way which you're

655
00:30:02,280 --> 00:30:04,880
Speaker 2: telling future lenders, is I don't pay back, Like, if

656
00:30:04,880 --> 00:30:06,920
Speaker 2: you lends to me, there's a high likelihood that I'm

657
00:30:06,960 --> 00:30:08,400
Speaker 2: only going to give you some of your money back,

658
00:30:08,560 --> 00:30:09,960
Speaker 2: and no lender wants to see that.

659
00:30:10,560 --> 00:30:14,200
Speaker 3: Yeah, and when you settle too, like, lenders typically won't

660
00:30:14,200 --> 00:30:17,240
Speaker 3: settle with you unless you're really delinquent already, Like you

661
00:30:17,440 --> 00:30:19,880
Speaker 3: your months behind on payments, so I would you know,

662
00:30:19,920 --> 00:30:21,920
Speaker 3: if you miss one payment or you know, a few

663
00:30:21,960 --> 00:30:24,680
Speaker 3: months of your payments, a lender may not be prepared

664
00:30:24,720 --> 00:30:28,239
Speaker 3: to settle with you until it gets really bad. So

665
00:30:29,080 --> 00:30:32,200
Speaker 3: you have to understand you maybe, like if you plan

666
00:30:32,280 --> 00:30:34,560
Speaker 3: on settling, you you would have to have the stomach

667
00:30:34,640 --> 00:30:36,640
Speaker 3: to watch your credit score tank because it takes a

668
00:30:36,680 --> 00:30:38,840
Speaker 3: long time of non payment for them to be to

669
00:30:38,920 --> 00:30:43,280
Speaker 3: consider settling that debt. But you know, and often with

670
00:30:43,320 --> 00:30:45,920
Speaker 3: settling debt. Even if a credit repair gets you a

671
00:30:45,960 --> 00:30:48,560
Speaker 3: debt settlement deal, which honestly you can do yourself simply

672
00:30:48,560 --> 00:30:50,840
Speaker 3: by asking, you know, I can't pay ten, but I

673
00:30:50,880 --> 00:30:54,760
Speaker 3: have six. Even if they did, often they require a

674
00:30:54,800 --> 00:30:57,880
Speaker 3: lump sum payment right away. So if you don't have

675
00:30:57,960 --> 00:31:01,040
Speaker 3: the money up front, that can be bad. I mean,

676
00:31:01,240 --> 00:31:03,600
Speaker 3: it can be worthless because yes, they've negotiated for you,

677
00:31:03,640 --> 00:31:04,920
Speaker 3: but you don't have the money to pay it off,

678
00:31:04,920 --> 00:31:06,920
Speaker 3: so you're back where you started. That's one of the

679
00:31:06,920 --> 00:31:09,840
Speaker 3: reasons why we recommend reaching out to agencies like the

680
00:31:09,960 --> 00:31:14,400
Speaker 3: National Foundation for Credit Counseling. They have sort of a

681
00:31:14,440 --> 00:31:16,480
Speaker 3: lift of you can they'll match you with a credit

682
00:31:16,520 --> 00:31:18,840
Speaker 3: counselor and they can help you set aside money to

683
00:31:18,840 --> 00:31:20,440
Speaker 3: pay off your debt and get you on a debt

684
00:31:20,480 --> 00:31:23,960
Speaker 3: repayment plan through their system. And it's it can be

685
00:31:24,160 --> 00:31:26,720
Speaker 3: I believe, like twenty five dollars a month to get

686
00:31:26,720 --> 00:31:29,320
Speaker 3: that type of support from the NFCC. And they're a

687
00:31:29,360 --> 00:31:33,200
Speaker 3: nonprofit and highly reputable, reputable, and I can I'm happy

688
00:31:33,240 --> 00:31:35,480
Speaker 3: to share a link to their their site in the

689
00:31:35,680 --> 00:31:36,760
Speaker 3: in the notes.

690
00:31:36,840 --> 00:31:39,560
Speaker 1: Yeah, I like them, And so it's a NFCC dot org.

691
00:31:39,720 --> 00:31:43,320
Speaker 3: Right, ORG, I believe, So let mean I can check,

692
00:31:43,680 --> 00:31:45,640
Speaker 3: I'll send I'll put a link in the show notes.

693
00:31:45,720 --> 00:31:45,960
Speaker 1: Yep.

694
00:31:46,560 --> 00:31:48,640
Speaker 2: And then because to me, the only the only kind

695
00:31:48,640 --> 00:31:54,160
Speaker 2: of entity that you can settle without taking like like

696
00:31:54,200 --> 00:31:56,040
Speaker 2: this immediate hit that I've seen is like when I

697
00:31:56,280 --> 00:32:00,600
Speaker 2: settled my my my hospital bill and so it didn't

698
00:32:00,640 --> 00:32:03,160
Speaker 2: actually it went to like internal collections at the hospital,

699
00:32:03,200 --> 00:32:05,160
Speaker 2: so they hadn't, like sad it to like the credit bureaus.

700
00:32:06,120 --> 00:32:07,200
Speaker 1: So I was able to settle.

701
00:32:07,240 --> 00:32:09,120
Speaker 2: But when I looked on my credit score, it didn't

702
00:32:09,160 --> 00:32:11,000
Speaker 2: it didn't go on my credit report because they had

703
00:32:11,040 --> 00:32:13,000
Speaker 2: not reported it yet that they sent it to their

704
00:32:13,040 --> 00:32:16,400
Speaker 2: internal collections versus like the you know, the normal collections

705
00:32:16,400 --> 00:32:21,800
Speaker 2: bureaus that report to you know, like Experience Equifacts, TransUnion,

706
00:32:22,040 --> 00:32:23,760
Speaker 2: so hospital bills.

707
00:32:23,800 --> 00:32:26,120
Speaker 1: There's a lot more flexibility when it comes to settling.

708
00:32:26,880 --> 00:32:30,280
Speaker 3: Yeah, I've definitely settled some. It's not that I didn't pay.

709
00:32:30,320 --> 00:32:32,680
Speaker 3: I just forgot I didn't they had sent a bill

710
00:32:32,760 --> 00:32:34,280
Speaker 3: for like you know how you go the doctor and

711
00:32:34,320 --> 00:32:36,480
Speaker 3: you get some lab tests and then yeah, you get

712
00:32:36,520 --> 00:32:38,560
Speaker 3: bills from like these random labs and you forget what

713
00:32:38,600 --> 00:32:41,240
Speaker 3: they are because it's like two months later anyway, that

714
00:32:41,320 --> 00:32:44,040
Speaker 3: happened and I ended up just I just kept being

715
00:32:44,040 --> 00:32:45,640
Speaker 3: so frustrated, and she was like, look, do you want

716
00:32:45,640 --> 00:32:46,960
Speaker 3: to just get rid of this for forty dollars? And

717
00:32:47,000 --> 00:32:50,960
Speaker 3: I was like sure, and that was that was easy.

718
00:32:51,040 --> 00:32:53,720
Speaker 3: So good question. Just watch out for credit repair firms

719
00:32:53,800 --> 00:32:57,200
Speaker 3: up for instead a credit counseling nonprofit if you can

720
00:32:57,680 --> 00:32:58,200
Speaker 3: start there.

721
00:32:59,640 --> 00:33:01,800
Speaker 2: We have a good question, do you want to I

722
00:33:01,800 --> 00:33:04,200
Speaker 2: want to ask another one. This one is nice and light,

723
00:33:05,560 --> 00:33:09,120
Speaker 2: so I'm gonna say. Her name is Tiara. Sierra says,

724
00:33:09,160 --> 00:33:11,400
Speaker 2: what are your What are some of your financial goals

725
00:33:11,440 --> 00:33:15,840
Speaker 2: for twenty nineteen? Mine is to start saving for a

726
00:33:15,840 --> 00:33:18,160
Speaker 2: down payment for a house and to take this IT

727
00:33:18,480 --> 00:33:22,320
Speaker 2: class and start making some real money. Okay, Tiara, So

728
00:33:22,400 --> 00:33:24,920
Speaker 2: what are your financial goals for twenty nineteen?

729
00:33:25,640 --> 00:33:31,400
Speaker 3: Recover from home ownership in twenty eighteen. Yeah, rebuild back

730
00:33:31,480 --> 00:33:33,760
Speaker 3: up my emergency fund to a place where I'm really

731
00:33:33,800 --> 00:33:38,520
Speaker 3: happy and feeling confident. I would say, also, I know

732
00:33:38,600 --> 00:33:40,600
Speaker 3: I have my own goals for my health. I think

733
00:33:40,600 --> 00:33:43,000
Speaker 3: that's also tied up in financial wellness somehow. I mean

734
00:33:43,040 --> 00:33:45,680
Speaker 3: I feel like if I'm not well and I can't work,

735
00:33:45,720 --> 00:33:48,800
Speaker 3: then that puts my family at a disadvantage in my

736
00:33:48,840 --> 00:33:52,960
Speaker 3: household at a disadvantage. So I'm working on that, yeah,

737
00:33:53,000 --> 00:33:56,880
Speaker 3: And I I think career wise, I always think about

738
00:33:56,880 --> 00:33:59,440
Speaker 3: those types of goals. I'm fortunate to be in a

739
00:33:59,520 --> 00:34:03,120
Speaker 3: position where I feel like every other month there's new

740
00:34:03,200 --> 00:34:06,720
Speaker 3: challenges and new things to sink my teeth into it.

741
00:34:06,800 --> 00:34:10,560
Speaker 3: I'm always feeling challenged by the work. And one of

742
00:34:10,600 --> 00:34:13,359
Speaker 3: the things that I've recognized though in the last sort

743
00:34:13,400 --> 00:34:15,560
Speaker 3: of few months or not a few months, but the

744
00:34:15,640 --> 00:34:19,240
Speaker 3: last year, is that I could definitely learn some skills

745
00:34:19,239 --> 00:34:21,759
Speaker 3: that other people that I work with know instead of

746
00:34:21,800 --> 00:34:23,680
Speaker 3: having to rely on them to do things for me.

747
00:34:24,360 --> 00:34:25,759
Speaker 3: And it's not that I want to do their job,

748
00:34:25,800 --> 00:34:28,799
Speaker 3: but I want to better educate myself about a particular

749
00:34:28,840 --> 00:34:31,480
Speaker 3: strategy that feeds a lot of the direction of what

750
00:34:31,520 --> 00:34:35,400
Speaker 3: we do here. Andy. I've already set up kind of

751
00:34:35,400 --> 00:34:38,399
Speaker 3: conversations with the person who leads the team that does

752
00:34:38,400 --> 00:34:41,040
Speaker 3: this part of the strategy for our company, and he's

753
00:34:41,600 --> 00:34:43,759
Speaker 3: going to help me learn so that I can sort

754
00:34:43,800 --> 00:34:46,120
Speaker 3: of walk into meetings feeling more confident in my own

755
00:34:46,160 --> 00:34:48,719
Speaker 3: knowledge about the subject matter and then be able to

756
00:34:48,719 --> 00:34:50,680
Speaker 3: call people on their bs when they're not, you know,

757
00:34:50,840 --> 00:34:52,440
Speaker 3: doing what they say they're going to do or they're not,

758
00:34:52,760 --> 00:34:54,960
Speaker 3: you know, giving us the direction that we need. And

759
00:34:55,000 --> 00:34:56,840
Speaker 3: that's actually going to be a big game changer for me,

760
00:34:56,920 --> 00:34:59,319
Speaker 3: I feel like in my career, because it'll make me

761
00:34:59,560 --> 00:35:02,279
Speaker 3: even more valuable if I speak that, if I'm just

762
00:35:02,480 --> 00:35:06,200
Speaker 3: multi lingual and other sort of types of strategies and

763
00:35:06,239 --> 00:35:11,440
Speaker 3: conversations at the company smartiatti, I'm trying.

764
00:35:13,040 --> 00:35:14,280
Speaker 1: Mine, honestly.

765
00:35:14,360 --> 00:35:17,560
Speaker 2: I just I still feel like I'm not doing right

766
00:35:17,640 --> 00:35:19,160
Speaker 2: by my retirement plan.

767
00:35:20,040 --> 00:35:22,959
Speaker 1: And so one of my that's one of my.

768
00:35:22,880 --> 00:35:26,760
Speaker 2: Big goals, is to one really feel comfortable like and like, Okay,

769
00:35:26,800 --> 00:35:29,719
Speaker 2: this is my clear retirement plan. This is how much

770
00:35:29,920 --> 00:35:32,000
Speaker 2: I'm going to have by this date, and you know,

771
00:35:32,320 --> 00:35:34,320
Speaker 2: because right now I just feel like I'm throwing money

772
00:35:34,320 --> 00:35:36,360
Speaker 2: in there and I'm like, I don't know what's happening.

773
00:35:36,400 --> 00:35:39,560
Speaker 2: I'm just making money as a budgetista. But I feel

774
00:35:39,560 --> 00:35:41,760
Speaker 2: like on the back end, I'm not quite as secure,

775
00:35:41,840 --> 00:35:44,480
Speaker 2: like I'm good at savings, yes, and you know, we

776
00:35:44,680 --> 00:35:47,839
Speaker 2: invested by purchasing you know, our house in the way

777
00:35:47,880 --> 00:35:50,880
Speaker 2: that we did, but I don't feel like I'm solid

778
00:35:50,920 --> 00:35:55,799
Speaker 2: in my retirement planning. And two, I I've already had

779
00:35:55,800 --> 00:35:58,520
Speaker 2: like to talk with my parents, but I really want

780
00:35:58,560 --> 00:35:59,600
Speaker 2: to sit down and like.

781
00:36:01,040 --> 00:36:02,160
Speaker 1: Make sure that.

782
00:36:02,040 --> 00:36:05,160
Speaker 2: There you know that their will is where it's supposed

783
00:36:05,160 --> 00:36:08,120
Speaker 2: to be, and you know their long term health care

784
00:36:08,160 --> 00:36:11,080
Speaker 2: plans they're supposed to be. So thankfully we're in a

785
00:36:11,120 --> 00:36:14,480
Speaker 2: space where, you know, after talking with them for like

786
00:36:14,480 --> 00:36:16,920
Speaker 2: like about a year, they're really comfortable. They're like, yes,

787
00:36:17,280 --> 00:36:18,840
Speaker 2: So a friend of mine who's a lawyer and she

788
00:36:18,920 --> 00:36:19,480
Speaker 2: does this.

789
00:36:19,440 --> 00:36:24,040
Speaker 1: Is actually gonna come. I'm hoping by the beginning of February.

790
00:36:24,040 --> 00:36:26,439
Speaker 2: That's why I asked her, and she's going to sit

791
00:36:26,440 --> 00:36:28,319
Speaker 2: down with my parents and start the process of just

792
00:36:28,320 --> 00:36:33,279
Speaker 2: having these things together. My dad had a really bad

793
00:36:33,320 --> 00:36:35,560
Speaker 2: cough the other day and it wasn't anything because crazy,

794
00:36:35,640 --> 00:36:38,719
Speaker 2: But my dad has never been like he's not. He

795
00:36:38,760 --> 00:36:41,680
Speaker 2: doesn't have high blood pressure, he doesn't have diabetes, he

796
00:36:41,719 --> 00:36:45,359
Speaker 2: doesn't like the stuff that plagues older people. My dad's

797
00:36:45,360 --> 00:36:47,360
Speaker 2: in his seventies, does not plague and he plays tennis

798
00:36:47,360 --> 00:36:49,560
Speaker 2: three times a week. I mean, I didn't even know

799
00:36:49,560 --> 00:36:51,160
Speaker 2: what wheat bread was when I was a kid, but

800
00:36:51,200 --> 00:36:52,920
Speaker 2: we just knew Daddy ate brown bread. That's what I

801
00:36:52,960 --> 00:36:57,840
Speaker 2: used to call it, like, eh, brown bread. He's always

802
00:36:57,840 --> 00:36:59,200
Speaker 2: been really, really healthy, so.

803
00:36:59,239 --> 00:37:01,479
Speaker 1: When he had a call old. We were all like, wait,

804
00:37:02,040 --> 00:37:05,279
Speaker 1: why is daddy coughing? No. Meanwhile, the doctor was like,

805
00:37:05,560 --> 00:37:07,640
Speaker 1: you know, we poor man. We took that man to

806
00:37:07,680 --> 00:37:13,040
Speaker 1: the murderer. Your doctor, no im because we have never

807
00:37:13,120 --> 00:37:15,239
Speaker 1: when I I'm never. I was like, we were like,

808
00:37:15,239 --> 00:37:18,160
Speaker 1: we don't know what's wrong. They were like, he has

809
00:37:18,200 --> 00:37:22,040
Speaker 1: a cold. He's gonna be fine. My dad was not

810
00:37:22,280 --> 00:37:24,520
Speaker 1: happy with us, Like I told you, I was fine.

811
00:37:24,560 --> 00:37:27,200
Speaker 1: I was like, but that we definite see you sick.

812
00:37:28,760 --> 00:37:31,040
Speaker 1: And so yeah, he's more than fine. He had a cold.

813
00:37:31,040 --> 00:37:33,759
Speaker 2: They literally gave him like flow naise and like he's

814
00:37:33,800 --> 00:37:36,040
Speaker 2: like allergies and a cold, flow naise and like us next.

815
00:37:36,080 --> 00:37:39,200
Speaker 1: And I was like, oh god, I know.

816
00:37:40,120 --> 00:37:41,759
Speaker 2: But what it made me think of though, because like

817
00:37:41,800 --> 00:37:43,480
Speaker 2: I said, you know, my dad's in the mid seventies.

818
00:37:43,520 --> 00:37:45,799
Speaker 2: What it made me think of is that are we

819
00:37:46,120 --> 00:37:49,239
Speaker 2: you know, prepared prepared? You know, like I said, he's

820
00:37:49,239 --> 00:37:51,799
Speaker 2: in really good health. And you know, the doctor was

821
00:37:51,800 --> 00:37:53,080
Speaker 2: like because I was like, oh, but he's getting a

822
00:37:53,080 --> 00:37:55,319
Speaker 2: little skinny and my dad's like my doctor was like,

823
00:37:55,440 --> 00:37:58,400
Speaker 2: when's the last time you saw an obese.

824
00:37:57,960 --> 00:38:00,600
Speaker 1: You know, eighty year old. No. I was like, hmm,

825
00:38:00,800 --> 00:38:01,440
Speaker 1: this is true.

826
00:38:02,200 --> 00:38:04,360
Speaker 2: He was like, people get a little CLIBBERTI but he's fine.

827
00:38:04,560 --> 00:38:08,319
Speaker 2: He plays tennis, he's healthy, he's happy, nothing's wrong. But

828
00:38:08,360 --> 00:38:10,799
Speaker 2: it did make me think about the future. So I'm

829
00:38:10,840 --> 00:38:13,680
Speaker 2: having my attorney and my friend Tony come and drop

830
00:38:13,760 --> 00:38:14,080
Speaker 2: some paper.

831
00:38:14,120 --> 00:38:15,319
Speaker 1: So that's like a big goal for me.

832
00:38:15,520 --> 00:38:18,200
Speaker 2: I've really been thinking about like future planning and future

833
00:38:18,239 --> 00:38:22,680
Speaker 2: planning for my family, like myself, my husband, a bonus

834
00:38:22,840 --> 00:38:26,480
Speaker 2: bonus daughter, and then also planning for like my parents

835
00:38:26,480 --> 00:38:29,840
Speaker 2: and making sure that like their wishes are fully expressive.

836
00:38:29,880 --> 00:38:31,799
Speaker 1: We all know what that is, so that those are like,

837
00:38:31,840 --> 00:38:33,840
Speaker 1: really my big main goals for twenty nineteen.

838
00:38:36,120 --> 00:38:39,440
Speaker 2: Stop harassing my poor father, Yo, you have no idea.

839
00:38:39,440 --> 00:38:44,280
Speaker 2: When they when they told us flown AI's and mucinex,

840
00:38:44,960 --> 00:38:45,800
Speaker 2: the look he gave.

841
00:38:45,719 --> 00:38:49,120
Speaker 3: I was like, They're like, thank you for giving us

842
00:38:49,120 --> 00:38:52,880
Speaker 3: an opportunity to bill your insurance multiple thousands of dollars.

843
00:38:53,480 --> 00:38:55,480
Speaker 1: I know, I was like, yikes.

844
00:38:55,520 --> 00:38:56,920
Speaker 2: If I was like, darn it, if my dad ever

845
00:38:56,920 --> 00:38:58,440
Speaker 2: really gets sick, he's never gonna want to go to

846
00:38:58,480 --> 00:38:59,040
Speaker 2: the hospital.

847
00:39:00,840 --> 00:39:02,680
Speaker 1: But still I had to. We had ten now.

848
00:39:03,560 --> 00:39:04,920
Speaker 2: But it's just good to know that, like he's in

849
00:39:05,000 --> 00:39:07,040
Speaker 2: great health, and it just goes to show you when

850
00:39:07,080 --> 00:39:09,319
Speaker 2: you take care of yourself, you know, you know, if

851
00:39:09,360 --> 00:39:12,480
Speaker 2: you're fortunate enough to live this to be a little older,

852
00:39:12,520 --> 00:39:13,960
Speaker 2: that your body will take care of you.

853
00:39:14,920 --> 00:39:17,440
Speaker 3: Yeah, we should set some brown ambition goals.

854
00:39:18,000 --> 00:39:18,720
Speaker 1: Yeah we should.

855
00:39:18,840 --> 00:39:20,600
Speaker 3: I mean I think we need to be at Essence

856
00:39:20,640 --> 00:39:23,120
Speaker 3: Fest recording this year. You always go without me because

857
00:39:23,160 --> 00:39:25,400
Speaker 3: I always forget until it's like the week of essence

858
00:39:25,400 --> 00:39:27,680
Speaker 3: Fest and you're like brown boosts and going to essence Fest.

859
00:39:29,200 --> 00:39:31,280
Speaker 2: But you know what to be all the way, honest,

860
00:39:31,640 --> 00:39:33,840
Speaker 2: essence is extra brown.

861
00:39:34,560 --> 00:39:36,480
Speaker 1: And usually they're like, what are you doing tomorrow? I'm like,

862
00:39:36,600 --> 00:39:37,480
Speaker 1: essence Fest, don't do this.

863
00:39:37,520 --> 00:39:43,160
Speaker 2: They're like, hopefully so we Yeah, so, I mean definitely

864
00:39:43,560 --> 00:39:45,400
Speaker 2: we're gonna work. Like you know, Dreina, I've got the

865
00:39:45,400 --> 00:39:48,439
Speaker 2: best publicist in the world, but every year she does

866
00:39:48,560 --> 00:39:51,400
Speaker 2: definitely does push early, and it's always me.

867
00:39:51,560 --> 00:39:54,400
Speaker 1: I don't know, I don't know that it's like side come.

868
00:39:55,680 --> 00:39:58,719
Speaker 2: So hopefully we'll get like a little bit more notice.

869
00:39:59,000 --> 00:40:00,640
Speaker 2: Well maybe we'll be able to go like a with

870
00:40:00,719 --> 00:40:02,759
Speaker 2: a brand who's already going to be there, So.

871
00:40:02,760 --> 00:40:04,680
Speaker 1: We'll we'll work. We'll work both angles.

872
00:40:04,680 --> 00:40:06,440
Speaker 3: Oh yeah, I don't need like an invitation I'll just

873
00:40:06,440 --> 00:40:08,040
Speaker 3: show up. All we need is, like, you know, a

874
00:40:08,080 --> 00:40:10,800
Speaker 3: mic and a computer. We can just hang outside the

875
00:40:10,880 --> 00:40:12,799
Speaker 3: front entrance and just pull people in. I'll be like

876
00:40:12,800 --> 00:40:16,840
Speaker 3: Oprah Gale, turn down Ambition. What can go wrong? What

877
00:40:16,960 --> 00:40:17,439
Speaker 3: can go wrong?

878
00:40:20,040 --> 00:40:22,279
Speaker 1: Yeah? So are we good on questions?

879
00:40:22,400 --> 00:40:22,600
Speaker 2: Hey?

880
00:40:22,640 --> 00:40:25,520
Speaker 1: Guys, did I forget ask your questions? Please? We love

881
00:40:25,560 --> 00:40:26,239
Speaker 1: your questions.

882
00:40:26,360 --> 00:40:28,560
Speaker 3: Go ahead and email us at Brown Ambition Podcast at

883
00:40:28,560 --> 00:40:31,000
Speaker 3: gmail dot com. You can also send us a message

884
00:40:31,040 --> 00:40:34,359
Speaker 3: on Facebook, on Instagram, on Twitter. We're at the BA

885
00:40:34,440 --> 00:40:37,359
Speaker 3: podcast on Twitter and Brown Ambition on Facebook.

886
00:40:38,000 --> 00:40:45,080
Speaker 2: Yes, now it's time for a booster break or booster break.

887
00:40:46,719 --> 00:40:50,239
Speaker 2: I'm gonna go first, and I'm going to take a break.

888
00:40:51,000 --> 00:40:53,480
Speaker 2: Have you seen I mean everyone's talking about it on

889
00:40:53,560 --> 00:40:54,520
Speaker 2: the instagrams?

890
00:40:55,400 --> 00:40:59,160
Speaker 1: The fire Festival? Oh document, which one? So?

891
00:40:59,239 --> 00:41:02,160
Speaker 3: Yes, I've watched the one and I've yeah, I died

892
00:41:02,200 --> 00:41:03,120
Speaker 3: it was so funny.

893
00:41:03,360 --> 00:41:06,320
Speaker 1: You if you've watched the Hulu you will love the Netflix.

894
00:41:06,560 --> 00:41:07,040
Speaker 1: Watch both.

895
00:41:07,280 --> 00:41:08,920
Speaker 3: That's what I've heard. The Netflix one's supposed to be

896
00:41:08,920 --> 00:41:09,439
Speaker 3: really good.

897
00:41:09,960 --> 00:41:12,680
Speaker 2: Yeah, it is beyond And I don't even know if

898
00:41:12,719 --> 00:41:14,360
Speaker 2: I want to break it or boost it.

899
00:41:14,360 --> 00:41:16,480
Speaker 3: I don't know either way, you want to like boost

900
00:41:16,800 --> 00:41:20,000
Speaker 3: the you want to like boost the poor people who

901
00:41:20,040 --> 00:41:23,279
Speaker 3: were you know, the poor local Bahamians who were you know,

902
00:41:23,840 --> 00:41:26,280
Speaker 3: left it broke by this whole festival, and then.

903
00:41:26,160 --> 00:41:28,080
Speaker 2: Like and poor not asn't poor as in like this

904
00:41:28,200 --> 00:41:30,360
Speaker 2: in case they all start reading, that's like not poor,

905
00:41:30,400 --> 00:41:33,040
Speaker 2: like no money poor poor, like this is an unfortunate

906
00:41:33,080 --> 00:41:34,120
Speaker 2: thing that happened to them poor.

907
00:41:34,239 --> 00:41:36,600
Speaker 3: Just to be clear, money many people lost lots of

908
00:41:36,640 --> 00:41:39,919
Speaker 3: money like I had. I heard one restaurant owner lost

909
00:41:40,000 --> 00:41:41,960
Speaker 3: like tens of thousands of dollars, Like she took it

910
00:41:41,960 --> 00:41:44,399
Speaker 3: out of her Yeah, out of her own nest egg.

911
00:41:44,440 --> 00:41:47,880
Speaker 3: I'm totally just stomping all over your boost. Sorry, I'll stop.

912
00:41:48,800 --> 00:41:50,920
Speaker 1: No, it's no, no, you're right no, but the thank goodness.

913
00:41:50,920 --> 00:41:52,920
Speaker 2: So they had her do an actual go fund me

914
00:41:53,040 --> 00:41:54,359
Speaker 2: go fund me that they're going to work to make

915
00:41:54,360 --> 00:41:56,040
Speaker 2: sure it's really herd, that she's going to get it.

916
00:41:56,239 --> 00:41:58,120
Speaker 2: Last time I checked it was upward. It was up

917
00:41:58,160 --> 00:42:01,239
Speaker 2: to one fifty, but she put up fifty thousand. So

918
00:42:01,600 --> 00:42:03,440
Speaker 2: for those of you who haven't watched, the Fire Festival

919
00:42:03,560 --> 00:42:06,160
Speaker 2: was supposed to be this big, huge music so think Coachella,

920
00:42:06,239 --> 00:42:09,520
Speaker 2: but upscale. It was supposed to take place in the Bahamas.

921
00:42:09,520 --> 00:42:12,560
Speaker 2: But there's a scam artist named Billy.

922
00:42:14,080 --> 00:42:18,240
Speaker 1: I forget his last name, but anyway, he and jar Rule, which.

923
00:42:18,040 --> 00:42:20,520
Speaker 3: Is how random I know hip hop mogul.

924
00:42:22,160 --> 00:42:25,759
Speaker 2: Mogul is a stretch we'll just say former hip hop

925
00:42:25,840 --> 00:42:27,160
Speaker 2: rapper or hip hop star.

926
00:42:28,160 --> 00:42:31,120
Speaker 1: So they got together and well, what was I didn't

927
00:42:31,120 --> 00:42:31,319
Speaker 1: know this.

928
00:42:31,400 --> 00:42:35,920
Speaker 2: Originally Fire was an app so you can book like

929
00:42:36,760 --> 00:42:41,240
Speaker 2: just like musical acts, and they wanted to promote the app,

930
00:42:41,440 --> 00:42:45,360
Speaker 2: and someone suggested a festival, so they decided to have

931
00:42:45,400 --> 00:42:46,040
Speaker 2: it in the Bahamas.

932
00:42:46,080 --> 00:42:47,960
Speaker 1: But from the very beginning it was clear that it

933
00:42:48,000 --> 00:42:48,520
Speaker 1: was a scam.

934
00:42:48,680 --> 00:42:52,799
Speaker 2: So apparently this Billy guy is a master scammer that

935
00:42:52,840 --> 00:42:55,560
Speaker 2: he's been scamming his whole life. And I don't think

936
00:42:55,560 --> 00:42:57,600
Speaker 2: he thought that it would go as big because normally

937
00:42:57,600 --> 00:43:00,440
Speaker 2: what he did would was that he scam and be

938
00:43:00,480 --> 00:43:02,160
Speaker 2: able to easily keep the money because there was no

939
00:43:02,200 --> 00:43:05,120
Speaker 2: real recourse. But this grew so big, so many people

940
00:43:05,160 --> 00:43:07,760
Speaker 2: wanted to go to the Fire festival that they paid

941
00:43:07,800 --> 00:43:10,520
Speaker 2: a ton of money, and it just grew, and because

942
00:43:10,560 --> 00:43:12,719
Speaker 2: of social media and people, you know, he had people

943
00:43:12,719 --> 00:43:17,160
Speaker 2: come to other countries and so he got investors involved,

944
00:43:17,160 --> 00:43:20,959
Speaker 2: and he was like forging wire transfers to tell people

945
00:43:21,000 --> 00:43:22,600
Speaker 2: that they were he sent the money. It was just

946
00:43:22,640 --> 00:43:24,719
Speaker 2: a whole bunch of stuff that he did. And so

947
00:43:24,760 --> 00:43:27,560
Speaker 2: he's now saving serving six years in federal prison as

948
00:43:27,560 --> 00:43:32,160
Speaker 2: he should, if not longer. And yeah, so many people

949
00:43:32,800 --> 00:43:35,120
Speaker 2: lost a ton of money or didn't get paid at all.

950
00:43:35,880 --> 00:43:37,960
Speaker 2: But what it really was interesting was to see the

951
00:43:38,000 --> 00:43:41,000
Speaker 2: power of social media and influencers, because that's why so

952
00:43:41,040 --> 00:43:44,879
Speaker 2: many people like Kendall Jenner posted about fire, all these

953
00:43:44,880 --> 00:43:48,239
Speaker 2: models posted about fire, and as a result, you know,

954
00:43:48,320 --> 00:43:48,880
Speaker 2: it made.

955
00:43:48,800 --> 00:43:50,239
Speaker 1: Like, you know, all these people want to go.

956
00:43:50,440 --> 00:43:54,160
Speaker 2: But it's a really good like I would say, if

957
00:43:54,200 --> 00:43:56,760
Speaker 2: it was me, I would say, hmm, watch the Hulu

958
00:43:56,800 --> 00:44:00,160
Speaker 2: one first, because well maybe it depends because and the

959
00:44:00,200 --> 00:44:02,080
Speaker 2: Holy one you get to really see how crazy this

960
00:44:02,160 --> 00:44:02,600
Speaker 2: guy is.

961
00:44:02,800 --> 00:44:04,319
Speaker 1: But in the Netflix one, it is.

962
00:44:04,280 --> 00:44:07,840
Speaker 2: Both hilarious and ghastly.

963
00:44:08,000 --> 00:44:10,600
Speaker 1: It's they're both really good though, But I definitely spent like.

964
00:44:10,560 --> 00:44:13,200
Speaker 2: Two nights watching it, and I was just like, Wow,

965
00:44:13,480 --> 00:44:16,799
Speaker 2: the audacity, the unmitigated goal of this guy.

966
00:44:16,880 --> 00:44:19,799
Speaker 1: And then even after that, Mandy, even.

967
00:44:19,840 --> 00:44:23,880
Speaker 2: After that he was out on bail and started a

968
00:44:23,920 --> 00:44:26,000
Speaker 2: new scam while on bail.

969
00:44:26,960 --> 00:44:29,279
Speaker 3: That kind of is like a pathological liar. He needs

970
00:44:29,280 --> 00:44:30,240
Speaker 3: to be in jail forever.

971
00:44:30,760 --> 00:44:32,719
Speaker 2: Yeah, and that's what they said, that they're a psychologist,

972
00:44:32,760 --> 00:44:34,920
Speaker 2: was like, you know, he's someone who will always be scamming.

973
00:44:34,960 --> 00:44:35,839
Speaker 1: It's just part of him.

974
00:44:36,239 --> 00:44:37,880
Speaker 2: And so yeah, it was, like I said, it was

975
00:44:37,960 --> 00:44:40,040
Speaker 2: really good. So it's kind of like a boost break.

976
00:44:40,040 --> 00:44:43,360
Speaker 2: It was like, there were really interesting documentaries and everyone's

977
00:44:43,400 --> 00:44:44,120
Speaker 2: been talking about it.

978
00:44:44,160 --> 00:44:46,160
Speaker 1: So I definitely highly recommend them both.

979
00:44:47,160 --> 00:44:51,439
Speaker 3: Highly recommend yeah to do i'mb you say you're gonna

980
00:44:51,440 --> 00:44:53,400
Speaker 3: boost a break, I'm gonna do it. I'm gonna do

981
00:44:53,520 --> 00:44:55,799
Speaker 3: a break and a boost. So the break, I mean,

982
00:44:55,840 --> 00:44:57,479
Speaker 3: it's a break and a boost at the same time.

983
00:44:57,800 --> 00:45:00,399
Speaker 3: But I I've been living under a rock. And there's

984
00:45:00,440 --> 00:45:05,440
Speaker 3: this reporter in Mississippi, Jackson, Mississippi, who she claims was

985
00:45:05,480 --> 00:45:08,440
Speaker 3: told her natural hair was unprofessional she was wearing. She

986
00:45:08,480 --> 00:45:11,080
Speaker 3: started wearing her hair natural on the air and her

987
00:45:11,120 --> 00:45:13,520
Speaker 3: news director pulled her aside and said that it was unprofessional,

988
00:45:13,600 --> 00:45:15,920
Speaker 3: aster to change it back, and then later on she

989
00:45:16,040 --> 00:45:18,040
Speaker 3: was fired. And I'm brushing up on the details of

990
00:45:18,080 --> 00:45:20,120
Speaker 3: the story, but it sounds like she's fouled a complaint

991
00:45:20,239 --> 00:45:26,760
Speaker 3: with the EEOC. What does that stanforget? Equal Employment Opportunity Commission.

992
00:45:27,400 --> 00:45:31,600
Speaker 3: Okay EEOC, But anyhow, EEOC handles a lot of workplace

993
00:45:32,960 --> 00:45:36,440
Speaker 3: litigation fouled by employees who have been wronged on you know,

994
00:45:37,120 --> 00:45:41,959
Speaker 3: matters of inequality, so gender discrimination, race discrimination. So yeah,

995
00:45:41,960 --> 00:45:44,960
Speaker 3: this story is really, uh, really shocking. I think it's

996
00:45:44,960 --> 00:45:46,960
Speaker 3: not unusual because we've seen in the news lately, like

997
00:45:47,160 --> 00:45:49,319
Speaker 3: you know, if you're a news reporter and a black

998
00:45:49,360 --> 00:45:51,400
Speaker 3: woman as a news reporter, if you wear your her

999
00:45:51,520 --> 00:45:54,480
Speaker 3: natural like, we've seen women get called out by callers,

1000
00:45:54,560 --> 00:45:56,959
Speaker 3: like to the show. There was that one viral clip

1001
00:45:57,000 --> 00:46:01,160
Speaker 3: of some like a voicemail that some uh news viewer

1002
00:46:01,320 --> 00:46:03,759
Speaker 3: like left this poor reporter because you changed her hair.

1003
00:46:04,040 --> 00:46:07,240
Speaker 3: That was really racist, and people will flood the comments

1004
00:46:07,280 --> 00:46:09,120
Speaker 3: and leave for you know, racist remarks or whatever. I

1005
00:46:09,200 --> 00:46:10,880
Speaker 3: used to do videos at Yahoo, and when I started

1006
00:46:10,880 --> 00:46:14,040
Speaker 3: transitioning my hair, you get like hair comments in the

1007
00:46:14,600 --> 00:46:17,160
Speaker 3: in the comments. Yeah, it was just like par for

1008
00:46:17,200 --> 00:46:20,000
Speaker 3: the course. However, like to actually get fired, I thought

1009
00:46:20,000 --> 00:46:23,319
Speaker 3: we were just beyond this. So it's just shocking to

1010
00:46:23,360 --> 00:46:25,319
Speaker 3: me to hear if these allegations are true that she

1011
00:46:25,400 --> 00:46:27,880
Speaker 3: might have been let go because of her appearance, and

1012
00:46:27,920 --> 00:46:31,160
Speaker 3: if her natural hair played a role in it, and

1013
00:46:31,200 --> 00:46:33,080
Speaker 3: she talks about how when she was hired, you know,

1014
00:46:33,160 --> 00:46:35,200
Speaker 3: she was wearing her hair straight and pressing it with

1015
00:46:35,280 --> 00:46:37,080
Speaker 3: flat iron, and you know what it takes, we all know,

1016
00:46:37,520 --> 00:46:39,759
Speaker 3: burning your hair to no end to get it to

1017
00:46:39,800 --> 00:46:44,080
Speaker 3: lay flat, and how you know, changing it halfway into

1018
00:46:44,120 --> 00:46:46,680
Speaker 3: her role or however long it was, you know, to

1019
00:46:46,760 --> 00:46:50,399
Speaker 3: have that pushback from her manager. Like I just yeah,

1020
00:46:50,640 --> 00:46:56,200
Speaker 3: it's like some it's like some traditional corporate environments. It's

1021
00:46:56,200 --> 00:47:00,399
Speaker 3: still like you're stuck in nineteen, you know, fifteen, which

1022
00:47:00,440 --> 00:47:02,960
Speaker 3: is just super super sad. But she's getting a lot

1023
00:47:02,960 --> 00:47:05,520
Speaker 3: of attention. So hopefully something good comes of it.

1024
00:47:05,800 --> 00:47:09,320
Speaker 1: Yeah, hopefully that would be honestly, yeah, because.

1025
00:47:10,719 --> 00:47:14,919
Speaker 2: I just yea, it's just unfortunate, and I just can't

1026
00:47:14,960 --> 00:47:17,040
Speaker 2: imagine because, like you said, I need too Like I

1027
00:47:17,080 --> 00:47:19,480
Speaker 2: you know, when I taught preschool, I had a fro

1028
00:47:19,640 --> 00:47:22,040
Speaker 2: or once I'm like a little Michael Jackson afro. But

1029
00:47:22,080 --> 00:47:24,279
Speaker 2: I was teaching preschool, no one was like hey, you know,

1030
00:47:25,360 --> 00:47:28,000
Speaker 2: and then after that the fro, I had twists, I

1031
00:47:28,040 --> 00:47:30,719
Speaker 2: had braids. But as a teacher, especially of little ones,

1032
00:47:30,760 --> 00:47:34,000
Speaker 2: no one, and plus I taught in Newark, where you

1033
00:47:34,000 --> 00:47:36,040
Speaker 2: know the majority of the kids look like me, so

1034
00:47:36,880 --> 00:47:39,040
Speaker 2: parents weren't like, hey, what's that hair?

1035
00:47:39,120 --> 00:47:40,880
Speaker 1: It's like you have the same hair as me, you know.

1036
00:47:41,080 --> 00:47:43,600
Speaker 2: So then I became you know, I started a budgetista

1037
00:47:43,680 --> 00:47:46,200
Speaker 2: where I could do whatever, but I mean to be

1038
00:47:46,400 --> 00:47:49,799
Speaker 2: all the way honest. I'm thinking to myself, if like

1039
00:47:50,080 --> 00:47:52,360
Speaker 2: my locks the way they are now, you know, they

1040
00:47:52,480 --> 00:47:56,120
Speaker 2: lay quote unquote neat, you know, so I don't know

1041
00:47:56,160 --> 00:47:59,200
Speaker 2: that I would be on TV with the fro, you

1042
00:47:59,239 --> 00:48:00,920
Speaker 2: know what I mean, like like the real and like

1043
00:48:00,920 --> 00:48:02,600
Speaker 2: the news and stuff that I don't know they would

1044
00:48:03,120 --> 00:48:05,080
Speaker 2: they would accept me or allow me to be on

1045
00:48:05,120 --> 00:48:07,440
Speaker 2: if I really think about it, Like I'm wearing my

1046
00:48:07,480 --> 00:48:09,200
Speaker 2: locks the way I'm wearing them now because I like them.

1047
00:48:09,480 --> 00:48:12,200
Speaker 1: But you know, I mean I realize now that like you.

1048
00:48:12,160 --> 00:48:16,000
Speaker 2: Know, it's it's in alignment what with like you know what,

1049
00:48:16,080 --> 00:48:18,600
Speaker 2: even though their locks they look really neat. I've heard

1050
00:48:18,600 --> 00:48:21,000
Speaker 2: people say that like, oh my gosh, like you hair

1051
00:48:21,040 --> 00:48:24,040
Speaker 2: are locks, but they're really neat, And I'm like, and

1052
00:48:24,360 --> 00:48:26,719
Speaker 2: you know, it's almost like code for they almost look

1053
00:48:26,760 --> 00:48:27,959
Speaker 2: like regular hair, you.

1054
00:48:27,840 --> 00:48:31,000
Speaker 1: Know, pretty good for black hair exactly.

1055
00:48:31,200 --> 00:48:32,720
Speaker 3: So the coded language.

1056
00:48:32,800 --> 00:48:37,080
Speaker 2: Yeah, I mean it is and it's hard, because yeah,

1057
00:48:37,400 --> 00:48:38,040
Speaker 2: it's hard.

1058
00:48:38,760 --> 00:48:39,040
Speaker 1: It is.

1059
00:48:39,080 --> 00:48:40,960
Speaker 3: But I'll tell you one thing. You know, put me

1060
00:48:41,000 --> 00:48:42,760
Speaker 3: in the place of her news director, and it wouldn't

1061
00:48:42,760 --> 00:48:45,399
Speaker 3: have been an issue. Like, we need people who look

1062
00:48:45,520 --> 00:48:48,160
Speaker 3: like us and go, you know, identify with us to

1063
00:48:48,200 --> 00:48:50,720
Speaker 3: be in places of power, because then it becomes normal.

1064
00:48:50,960 --> 00:48:54,680
Speaker 3: It's unusual because and I'm not saying that we shouldn't

1065
00:48:54,760 --> 00:48:57,000
Speaker 3: have white people in leadership roles, like that's not at

1066
00:48:57,000 --> 00:48:58,520
Speaker 3: all what I'm saying. I don't want to be misconmistry,

1067
00:48:58,560 --> 00:49:00,719
Speaker 3: but we need to have more people sitting around the

1068
00:49:00,719 --> 00:49:02,560
Speaker 3: table having those types of conversations.

1069
00:49:03,040 --> 00:49:05,919
Speaker 2: Yeah, because people like you said, it must be really

1070
00:49:05,960 --> 00:49:08,040
Speaker 2: hard to walk the line when you're like, okay, so

1071
00:49:08,560 --> 00:49:09,759
Speaker 2: this is what she means by that.

1072
00:49:09,800 --> 00:49:12,040
Speaker 1: Okay, So but it's also good.

1073
00:49:11,800 --> 00:49:14,920
Speaker 2: Because I mean, I don't believe, I don't believe in coincidences,

1074
00:49:14,920 --> 00:49:15,680
Speaker 2: and that you.

1075
00:49:15,640 --> 00:49:17,960
Speaker 1: Know who you are, who you came from.

1076
00:49:18,080 --> 00:49:20,719
Speaker 2: All of those things are critical components of where you

1077
00:49:20,760 --> 00:49:22,920
Speaker 2: are now and your ability to be where you are

1078
00:49:22,960 --> 00:49:26,480
Speaker 2: because one, you know, like people can just look at

1079
00:49:26,480 --> 00:49:28,200
Speaker 2: you and be like, oh wow, man, it's in a

1080
00:49:28,200 --> 00:49:29,000
Speaker 2: position to power.

1081
00:49:29,080 --> 00:49:31,680
Speaker 1: And she wears her hair like big and beautiful.

1082
00:49:31,680 --> 00:49:34,200
Speaker 3: They don't always say that I will tell you people,

1083
00:49:34,360 --> 00:49:36,560
Speaker 3: but I will I will say one thing that I've

1084
00:49:36,560 --> 00:49:38,720
Speaker 3: struggled with. I haven't really struggled with anything on my team,

1085
00:49:38,719 --> 00:49:41,400
Speaker 3: but I do get people don't assume that I'm the

1086
00:49:41,440 --> 00:49:45,160
Speaker 3: boss sometimes and it's not like I let it bother me,

1087
00:49:45,200 --> 00:49:50,040
Speaker 3: but it does happen. I noticed the front desk person

1088
00:49:50,280 --> 00:49:52,920
Speaker 3: there was a new one recently, and she made a

1089
00:49:52,920 --> 00:49:55,160
Speaker 3: comment that led me to believe that, oh, she doesn't

1090
00:49:55,160 --> 00:49:57,000
Speaker 3: know that I run the whole team, you know, And

1091
00:49:57,080 --> 00:49:59,120
Speaker 3: it's it's just interesting. You have to kind of clock

1092
00:49:59,200 --> 00:50:03,359
Speaker 3: those types of assumptions. It's it's like it's the same

1093
00:50:03,400 --> 00:50:05,040
Speaker 3: thing like if a black woman tells you she's going

1094
00:50:05,120 --> 00:50:07,879
Speaker 3: to be a character in a movie and she wants

1095
00:50:07,880 --> 00:50:09,160
Speaker 3: you to guess who she's going to be, a lot

1096
00:50:09,160 --> 00:50:11,000
Speaker 3: of times people might guess like, oh, you're the villain,

1097
00:50:11,120 --> 00:50:13,080
Speaker 3: or oh you're the you know, you're like the rookie

1098
00:50:13,160 --> 00:50:15,360
Speaker 3: or whatever. Would you guess that they're the main character

1099
00:50:15,440 --> 00:50:18,080
Speaker 3: of the movie, like the lead in the film. Yeah,

1100
00:50:18,120 --> 00:50:19,920
Speaker 3: it's just just interesting.

1101
00:50:20,440 --> 00:50:28,319
Speaker 1: Yeah, it's very very very fascinating. That's code for it

1102
00:50:28,320 --> 00:50:29,520
Speaker 1: gets on my freaking.

1103
00:50:29,280 --> 00:50:32,600
Speaker 3: Mare sometimes sometimes.

1104
00:50:33,160 --> 00:50:38,239
Speaker 1: No, this has been awesome though, but yeah, well one

1105
00:50:38,360 --> 00:50:40,520
Speaker 1: last little boost. Did I talk about really want to

1106
00:50:40,560 --> 00:50:42,920
Speaker 1: see that movie Little with Marseilles.

1107
00:50:43,440 --> 00:50:47,800
Speaker 2: Yes, first of all, Marseille Martin.

1108
00:50:47,960 --> 00:50:50,680
Speaker 1: Right, it's a ray and is a Virginia King.

1109
00:50:51,320 --> 00:50:51,680
Speaker 3: No, no, no.

1110
00:50:54,160 --> 00:50:57,000
Speaker 1: It's Regina. I don't kill me black people.

1111
00:51:00,000 --> 00:51:05,000
Speaker 3: I'm gonna claim fifty percent white right now. I'm leaving

1112
00:51:05,040 --> 00:51:10,160
Speaker 3: you under the under the bus. Bye, I forget.

1113
00:51:10,719 --> 00:51:15,239
Speaker 1: Oh man, I'm like, it's the other Regina. Don't kill me,

1114
00:51:15,280 --> 00:51:16,759
Speaker 1: I know, just take my black card right now.

1115
00:51:16,920 --> 00:51:20,120
Speaker 3: Regina Hall, Regina Hall, you know, Okay, okay.

1116
00:51:19,960 --> 00:51:21,400
Speaker 2: You see you brought it back in. You brought it

1117
00:51:21,480 --> 00:51:24,200
Speaker 2: back in. So yeah, so that's just it just looks

1118
00:51:24,200 --> 00:51:25,719
Speaker 2: like a dope movie. And I just love all that

1119
00:51:25,719 --> 00:51:27,520
Speaker 2: black girl magic. So that's a nice little boost.

1120
00:51:28,040 --> 00:51:30,560
Speaker 3: I love it. Yeah, it looks really cute. I'll definitely

1121
00:51:30,560 --> 00:51:32,080
Speaker 3: see it.

1122
00:51:32,520 --> 00:51:35,400
Speaker 1: Ten husband, Wow, we went from everywhere. Isn't that so crazy?

1123
00:51:35,440 --> 00:51:41,440
Speaker 2: I went from overwhelmy, so like, I swear, now I

1124
00:51:41,480 --> 00:51:42,520
Speaker 2: got to take another shot.

1125
00:51:42,640 --> 00:51:43,200
Speaker 1: I'm like, I.

1126
00:51:43,160 --> 00:51:46,359
Speaker 3: Can't, man, I can do this for the twyms tip.

1127
00:51:47,480 --> 00:51:49,440
Speaker 1: My emotions are all over the place.

1128
00:51:49,480 --> 00:51:51,400
Speaker 2: It's it's the worst when you don't even know that

1129
00:51:51,440 --> 00:51:53,520
Speaker 2: your emotions until you realize you're like, wait.

1130
00:51:53,360 --> 00:51:56,880
Speaker 1: I'm not getting crazy. Oh okay, okay, okay.

1131
00:51:57,440 --> 00:52:01,919
Speaker 3: So yeah, of course you are a vessel of life.

1132
00:52:02,840 --> 00:52:04,040
Speaker 1: That's crazy.

1133
00:52:05,120 --> 00:52:08,160
Speaker 3: Surround yourself in flowers and get it. Do a Beyonce

1134
00:52:08,360 --> 00:52:09,560
Speaker 3: photo shoot or something.

1135
00:52:09,520 --> 00:52:12,760
Speaker 1: Just like I haven't listened to a indie irey lately. Oh,