WEBVTT - Ep. 158 — Fertility Chronicles & Credit Repair

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<v Speaker 1>Hey, hey, Hey, it's up.

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<v Speaker 2>I sound way more cheerful than I feel. I feel

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<v Speaker 2>so run down.

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<v Speaker 3>It's that mid January, holidays are over. What's the lead

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<v Speaker 3>to look forward to in life? Still getting dark at

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<v Speaker 3>four pm and it's negative million degrees type of vibe?

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<v Speaker 3>Is that what I'm feeling?

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<v Speaker 1>Yes?

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<v Speaker 2>Plus taxis it's coming. I paid taxes today and I

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<v Speaker 2>was like, wait what. I had a big scare, but

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<v Speaker 2>then turned I didn't know as much as I thought,

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<v Speaker 2>but still it's like I can't even shake that big scare.

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<v Speaker 2>It's almost like, you know, you think there's like a

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<v Speaker 2>monster in your closet and your parents turns on the light.

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<v Speaker 2>It's like there's no monster, but you're still looking at

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<v Speaker 2>the clost like there was a monster. I just feel like, ah,

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<v Speaker 2>I feel you.

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<v Speaker 1>I know, it's just uh.

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<v Speaker 2>And then I started my IVS, so I feel like

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<v Speaker 2>I'm on an emotional roller coaster.

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<v Speaker 1>But it took me a while to realize. I'm like,

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<v Speaker 1>why am I so wild?

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<v Speaker 3>Because you're being pumped full of hormones?

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<v Speaker 1>Right? Yes, it took me a minute to realize until

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<v Speaker 1>until Superman was like, what is your deal?

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<v Speaker 2>I'm like nothing, nothing, And then I was like, wait,

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<v Speaker 2>isn't the shots? And I was reading he was like,

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<v Speaker 2>I'm pretty sure it's the shots. So yeah, so I

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<v Speaker 2>was first of all, I was scared to death because

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<v Speaker 2>I'm not scared of needles, like but I mean, no

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<v Speaker 2>one says, yeah, a needle, right.

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<v Speaker 1>I mean you know, unless you know, I don't know, unless.

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<v Speaker 3>You're I did when I got milkshakes afterward, but no

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<v Speaker 3>one gives me those anymore.

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<v Speaker 2>But like, so the way it works is that they

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<v Speaker 2>have me on like these two types of medicine, so

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<v Speaker 2>I have to take you have to be a chemist.

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<v Speaker 1>I'm like, oh my god.

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<v Speaker 2>I was so nervous about the first one. I actually

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<v Speaker 2>drove to the doctor's office early morning to just do

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<v Speaker 2>it in front of them, because you have to like

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<v Speaker 2>mix the sailing mixture with just four vials of powder,

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<v Speaker 2>like mix it yourself, wait really yes, and then pull

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<v Speaker 2>it out like I mean you literally are like a chemist.

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<v Speaker 2>And then after all of that, then you have to

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<v Speaker 2>poke yourself. And so it was I'm not gonna lie.

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<v Speaker 2>Every morning I get a little bit of anxiety about

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<v Speaker 2>doing the mixture right and then and then at night

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<v Speaker 2>it's really easy, like the I guess whatever the medicine

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<v Speaker 2>is like almost like in a pen pen form, so

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<v Speaker 2>literally just kind of like put the pen against your

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<v Speaker 2>stomach and push your medicine in the needles self actually

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<v Speaker 2>doesn't really hurt. I would say on the scale of

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<v Speaker 2>one to ten, it's a two. But just the fact

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<v Speaker 2>of like you know, sticking a needle in your belly,

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<v Speaker 2>it's like, yay, not fun.

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<v Speaker 3>Times kind of goes against that base human instincts not

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<v Speaker 3>to impale oneself.

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<v Speaker 2>So yeah, but but yeah, so we'll see. So I

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<v Speaker 2>guess from what I understand, which I probably should know more,

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<v Speaker 2>but honestly, I just I'm tired that I think what

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<v Speaker 2>this medicine is doing is actually lowering my hormones on purpose.

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<v Speaker 2>So basically this medicine is pulling the rubber band back.

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<v Speaker 2>And then I'm gonna take a slingshot medicine like you know,

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<v Speaker 2>like I don't.

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<v Speaker 1>Know, like I don't know a week where it's actually.

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<v Speaker 2>Gonna like pop me forward, like you know, you let

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<v Speaker 2>go of the yeah and then all of a sudden

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<v Speaker 2>like because normally, as a woman, you know, you produce

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<v Speaker 2>one egg a month, so the pop forward is to say.

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<v Speaker 1>Ovulate and then hopefully you produce a ton of eggs.

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<v Speaker 2>You know, I don't know anywhere from I don't know

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<v Speaker 2>more than one to like ten fifteen.

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<v Speaker 1>I don't know how many women can produce.

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<v Speaker 2>So then from those eggs, so you know, at least

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<v Speaker 2>for me, they'll you know, they'll teak the eggs out,

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<v Speaker 2>you know, combine it with Superman his sperm, and then

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<v Speaker 2>like hopefully embryos grow, and then they'll choose you know,

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<v Speaker 2>up to two healthy embryos, because you still have the

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<v Speaker 2>there's still a chance that one of them is not

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<v Speaker 2>gonna make it, and they'll put two inside. Well, she's

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<v Speaker 2>gonna put two, and then it may be twins, it

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<v Speaker 2>may not.

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<v Speaker 3>You're gonna go for two, Okay.

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<v Speaker 2>Well she said, well not because she was like, honestly,

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<v Speaker 2>I'm not trying to for it's not for you to

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<v Speaker 2>have twins. It's just that there's a there's always a

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<v Speaker 2>high likelihood of one not making it. So it's really

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<v Speaker 2>so you can be guaranteed, like, you know, not guaranteed,

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<v Speaker 2>but you have a you know, a higher chance of

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<v Speaker 2>one making it.

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<v Speaker 1>But I don't hope it for twins, even though I'm

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<v Speaker 1>kind of.

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<v Speaker 3>Not Oh my god, yeah, we're gonna have to cancel

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<v Speaker 3>the show. If you have twins, I know you're gonna

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<v Speaker 3>do that.

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<v Speaker 2>I'm gonna have to take like a month because not

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<v Speaker 2>even a month month.

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<v Speaker 3>Okay, we'll cross that bridge it comes to.

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<v Speaker 2>And then from there so I don't know, I mean

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<v Speaker 2>so what So typically what happens is so you go

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<v Speaker 2>through the cycle of like shot shot shots, fulling shot,

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<v Speaker 2>pull the eggs, you know, mix it with with with

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<v Speaker 2>your partner's sperm, grow, grow, grow embryos, put one inside,

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<v Speaker 2>hope it grows.

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<v Speaker 1>If it doesn't, then you start all over. Shot shot shot.

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<v Speaker 1>So some people are like on their fifth or six, seventh,

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<v Speaker 1>tenth cycle, you know.

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<v Speaker 3>That's what they consider like a round of ibs. It's

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<v Speaker 3>from the hormones to the insemination and then like the

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<v Speaker 3>incubating of the embryos.

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<v Speaker 2>Yeah for the most part, and so and then if

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<v Speaker 2>it you know, if it doesn't, then you.

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<v Speaker 1>Go for another round. So that's a full round.

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<v Speaker 2>So this is my very So those of you who

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<v Speaker 2>have been following my journey, you're like, you're just now

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<v Speaker 2>getting to it. Yes, I had fibroids, and then I

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<v Speaker 2>had so many that they removed them. It's called scar

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<v Speaker 2>tissue and I had to have two surgeries to move that,

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<v Speaker 2>and it was just all of this this full year

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<v Speaker 2>and some change. But I think I had my fibward

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<v Speaker 2>search I want to say, like January, which like actually

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<v Speaker 2>right like right about now, January twenty fifth, I think,

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<v Speaker 2>And and now it's January twenty second, so literally almost

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<v Speaker 2>a year to date.

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<v Speaker 1>So it took a.

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<v Speaker 2>Year of like preparing my uterus for to be able

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<v Speaker 2>to carry babies. So that's why I'm just now getting

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<v Speaker 2>because most people don't have to go through all this,

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<v Speaker 2>like if they're getting IBF, they might not have a

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<v Speaker 2>fiber issue, so they just kind of go and start

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<v Speaker 2>the process.

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<v Speaker 1>But it's been a long time of preparation for me.

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<v Speaker 3>Man weill fingers no, and.

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<v Speaker 1>Who would have thought.

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<v Speaker 2>Meanwhile, you know, and when you're young, you're like, oh,

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<v Speaker 2>please don't be PREGGI good, Please do't get pressure plae

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<v Speaker 2>to get pregnant. Meanwhile, now it's like you bending over

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<v Speaker 2>backwards doing hulu oups, you know.

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<v Speaker 1>To get pregnant. It's so strange how life happens, because you.

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<v Speaker 2>Know, you could be fifteen and you're like, no, I

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<v Speaker 2>just looked at a penis and now I'm pregnant and

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<v Speaker 2>as a thirty nine year old woman, I'm like, please

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<v Speaker 2>come on, overes. So yeah, I mean, like I said,

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<v Speaker 2>it's I didn't realize it's not until you start talking

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<v Speaker 2>about IVA that you find out just how many women.

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<v Speaker 1>My doctor told me that that it.

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<v Speaker 2>Concerns the fertility industry that how how our fertility men

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<v Speaker 2>and women has significantly dropped over the years, that it's much, yeah,

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<v Speaker 2>much lower. Like there's a trend of it just going down, down, down,

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<v Speaker 2>And I'm like, wow, why do you think that is?

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<v Speaker 1>She was like, I don't know.

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<v Speaker 2>Honestly, they don't know is it's stress, is a diet.

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<v Speaker 2>They don't know why less and less women are fertile

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<v Speaker 2>and less and less men honestly are fertile.

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<v Speaker 3>Because that's interesting, Like that's the first time I've heard

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<v Speaker 3>fertility being down, because you hear like birth spain down,

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<v Speaker 3>which I think is a symptom of just people getting

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<v Speaker 3>married older and not wanting kids, in the economy and

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<v Speaker 3>all kinds of stuff. But fertility, Wait, are we are

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<v Speaker 3>we actually gonna be end up in the Handmaid's tail?

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<v Speaker 1>No?

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<v Speaker 2>Right, She was like, honestly, that you know that there's

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<v Speaker 2>an overall fertility issue happening. And I don't know if

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<v Speaker 2>she met in the United States or like worldwide, but yeah,

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<v Speaker 2>so she was like, you know, more and more folks

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<v Speaker 2>that you wouldn't expect to have, you know, a fertility

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<v Speaker 2>issue are She's like, like, you two, like, I don't drink.

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<v Speaker 2>I've never had. I don't smoke, I never have. You know,

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<v Speaker 2>I exercised fairly, you know, I mean, well, let me

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<v Speaker 2>not lie. I don't but I don't drink it, I

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<v Speaker 2>don't smoke, okay, but but yeah, so you know, I

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<v Speaker 2>don't know.

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<v Speaker 1>I just feel I'm not gonna lie.

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<v Speaker 2>I am scared because I'm feeling overwhelmed by business right now,

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<v Speaker 2>and I'm like, oh, how does the baby fitness all this?

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<v Speaker 3>Well I'm doing when you've got two of them in

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<v Speaker 3>your arms, you just make room. You'll you'll do it.

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<v Speaker 3>You're not the first working mom. You can do it.

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<v Speaker 3>You can do it. You'll find a way. Yeah, you'll

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<v Speaker 3>find me.

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<v Speaker 1>Williams can win a Grand Slam and have a baby.

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<v Speaker 3>Well, I mean, that's just don't compare yourself to her,

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<v Speaker 3>because she seriously she's got Beyonce's nanny on speed dial.

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<v Speaker 3>That's different.

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<v Speaker 1>Sure, but you.

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<v Speaker 3>Really, You've made me think about my own fertility. I

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<v Speaker 3>need to you guys know, I need to see some

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<v Speaker 3>doctors in my life. But I'm really it's not like

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<v Speaker 3>it's an immediate plan, but I'm definitely i'd rather know

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<v Speaker 3>now so I can because you know, I'm thirty one

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<v Speaker 3>right now, and I feel like I'm at a point

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<v Speaker 3>where I should at least see what's happening under the

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<v Speaker 3>hood a little bit more than I have. It's been Yeah,

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<v Speaker 3>it's been over a year since I went back to

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<v Speaker 3>the gynecologist. So that's not healthy. I'm going to do better.

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<v Speaker 1>It's good.

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<v Speaker 2>Like, you know, you don't want to find out you

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<v Speaker 2>have fibroids from randomly like wait what and so or

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<v Speaker 2>not you. But I'm just saying in general, like I

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<v Speaker 2>never I never thought about checking my fertility, you know,

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<v Speaker 2>like you just you know, as a woman, you just assume, like, well,

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<v Speaker 2>of course I could have a baby, it's just whether

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<v Speaker 2>or not do I want to or not. But I

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<v Speaker 2>never thought because I'm like, I'm one of five girls,

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<v Speaker 2>you know, Like I was like, uh, I come from

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<v Speaker 2>a fertile family, like my grandma had like you know,

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<v Speaker 2>eight children or whatever, and so but that's not you know,

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<v Speaker 2>one she didn't have them as late as I'm having

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<v Speaker 2>my first, you know, so it sometimes there's a fertility

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<v Speaker 2>issue that only that only comes up if you wait.

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<v Speaker 2>So like my my younger sister, she had two kids

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<v Speaker 2>boom boom, you know, back to but like like she

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<v Speaker 2>got married and literally within a year had her first

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<v Speaker 2>and then a year later had her second. But she

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<v Speaker 2>also had them in her like in her early thirties.

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<v Speaker 2>So maybe if I would have, you know, had my

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<v Speaker 2>first kid at thirty, it wouldn't I wouldn't have had

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<v Speaker 2>an issue.

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<v Speaker 1>So but yeah, so it's just good to.

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<v Speaker 2>Know where you stay and like going if you're thinking

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<v Speaker 2>that you might want to have kids in the future.

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<v Speaker 1>Because honestly, my doctor was like.

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<v Speaker 2>Uh, Tiffany, you know, like you like, she was like,

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<v Speaker 2>you should have been here yesterday. I was like, oh, thanks,

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<v Speaker 2>because apparently I guess what is it called?

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<v Speaker 1>Is it called follicles?

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<v Speaker 3>That's a word, but how are you using it?

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<v Speaker 2>I know, I'm like, there are I think, don't quote me.

0:10:22.600 --> 0:10:26.960
<v Speaker 2>So anyway, like inside, like I guess attached to your

0:10:28.440 --> 0:10:29.840
<v Speaker 2>you TuS, I want to say.

0:10:29.720 --> 0:10:30.560
<v Speaker 1>I'm probably wrong, but.

0:10:32.120 --> 0:10:35.800
<v Speaker 2>Right, So women have a number of follicles, So I

0:10:35.800 --> 0:10:37.640
<v Speaker 2>think you can have like I don't know how many

0:10:37.640 --> 0:10:40.360
<v Speaker 2>you can have on each side, you know, but each

0:10:40.360 --> 0:10:42.800
<v Speaker 2>of those fonnicles produces an egg. But some women have

0:10:42.880 --> 0:10:46.600
<v Speaker 2>like ten, you know. And so for me, I'm down

0:10:46.640 --> 0:10:49.040
<v Speaker 2>to four. If you don't have any follicles, you cannot

0:10:49.040 --> 0:10:52.040
<v Speaker 2>produce any egg, then you are truly you're truly not fertile.

0:10:52.600 --> 0:10:53.360
<v Speaker 1>No more eggs.

0:10:53.559 --> 0:10:55.240
<v Speaker 2>And so when I was like wow, when she said

0:10:55.280 --> 0:10:56.240
<v Speaker 2>I was down the four, I didn't know if I

0:10:56.320 --> 0:10:58.800
<v Speaker 2>was like, okay, so four compared to what And she

0:10:58.960 --> 0:11:00.360
<v Speaker 2>was like, you know, I would have to go to

0:11:00.360 --> 0:11:03.040
<v Speaker 2>see like the most women have. But she said, for example,

0:11:03.040 --> 0:11:05.600
<v Speaker 2>women can have ten, and I was like okay. And

0:11:05.679 --> 0:11:09.120
<v Speaker 2>for my age, although I'm thirty nine. At thirty nine,

0:11:09.559 --> 0:11:11.720
<v Speaker 2>I guess a typical thirty nine year old would have

0:11:11.840 --> 0:11:14.080
<v Speaker 2>more than four. So I don't know why it could

0:11:14.080 --> 0:11:17.160
<v Speaker 2>be hereditary. It could be, but see, like I wish

0:11:17.200 --> 0:11:18.679
<v Speaker 2>if I would have known, I mean, I don't know

0:11:18.720 --> 0:11:20.600
<v Speaker 2>that I would have been like, hey, Superman, let's get

0:11:20.600 --> 0:11:21.280
<v Speaker 2>this baby pop in.

0:11:21.360 --> 0:11:23.400
<v Speaker 1>I don't know what I would have sided.

0:11:23.360 --> 0:11:27.040
<v Speaker 2>But let's just say I waited another two years, you know,

0:11:27.480 --> 0:11:30.640
<v Speaker 2>and I lost two more follicles. You know, I don't

0:11:30.760 --> 0:11:32.840
<v Speaker 2>know if I was born with a lot a little

0:11:32.840 --> 0:11:35.800
<v Speaker 2>because I've never checked my follicles or whatever before. So

0:11:35.880 --> 0:11:38.320
<v Speaker 2>when she said that, I was like wow. So basically,

0:11:38.679 --> 0:11:41.160
<v Speaker 2>for me, time is of the essence. You know, men

0:11:41.200 --> 0:11:42.800
<v Speaker 2>can have like kids until they're like, you know, one

0:11:42.880 --> 0:11:43.480
<v Speaker 2>hundred and one.

0:11:43.800 --> 0:11:45.240
<v Speaker 1>But how do you mean?

0:11:46.120 --> 0:11:47.640
<v Speaker 3>Oh, sorry to interrupt, but I was going to ask

0:11:47.679 --> 0:11:49.680
<v Speaker 3>how do you? And I wonder if other women listening

0:11:49.840 --> 0:11:52.800
<v Speaker 3>have the same fear. But I've had friends, you've had miscarriages,

0:11:52.840 --> 0:11:55.240
<v Speaker 3>and I almost feel like preparing to have a kid

0:11:55.360 --> 0:11:57.680
<v Speaker 3>is also like mentally preparing for what can go wrong.

0:11:57.840 --> 0:11:59.880
<v Speaker 3>I mean, I'm a natural pessimist and it's not always

0:11:59.880 --> 0:12:02.200
<v Speaker 3>a good thing, but I wonder if that's crossed your mind,

0:12:02.200 --> 0:12:04.079
<v Speaker 3>and if you have like a plan for how you

0:12:04.200 --> 0:12:06.560
<v Speaker 3>might handle it, or if your doctor has talked about

0:12:06.559 --> 0:12:08.360
<v Speaker 3>that possibility at all.

0:12:08.960 --> 0:12:09.240
<v Speaker 1>Well.

0:12:09.360 --> 0:12:11.520
<v Speaker 2>I haven't mentioned this before, but actually I had a

0:12:11.520 --> 0:12:13.840
<v Speaker 2>miscarriage a year ago. That's how I found out that

0:12:13.880 --> 0:12:18.240
<v Speaker 2>I had five words, and so it was like it

0:12:18.280 --> 0:12:20.520
<v Speaker 2>was only I was only like two months in two

0:12:20.559 --> 0:12:23.600
<v Speaker 2>and a half, so I knew I was having like

0:12:23.760 --> 0:12:27.120
<v Speaker 2>crazy pains. It was like Superman and I had just

0:12:27.240 --> 0:12:30.120
<v Speaker 2>gotten married. Not even it wasn't a year ago, it

0:12:30.280 --> 0:12:32.440
<v Speaker 2>was you know, no, no, it was because I had

0:12:32.440 --> 0:12:35.280
<v Speaker 2>the five words surgery not that long after, but I

0:12:35.720 --> 0:12:36.640
<v Speaker 2>found out I was pregnant.

0:12:36.640 --> 0:12:40.439
<v Speaker 1>I was like, what, Okay, it's good.

0:12:41.200 --> 0:12:45.440
<v Speaker 2>But then like soon after, like you know, only like

0:12:45.440 --> 0:12:48.600
<v Speaker 2>like a month or two in, I just was having

0:12:48.640 --> 0:12:53.240
<v Speaker 2>like really terrible stomach pains and it was like, I

0:12:53.240 --> 0:12:55.920
<v Speaker 2>don't know, I felt like I was getting kicked in

0:12:55.960 --> 0:13:02.280
<v Speaker 2>the stomach, and so I went to the emergency room and.

0:13:00.000 --> 0:13:03.280
<v Speaker 1>And she was like, uh, are you shying? You're pregnant.

0:13:03.280 --> 0:13:04.880
<v Speaker 2>I'm like, well, I took like a number of test

0:13:05.320 --> 0:13:07.640
<v Speaker 2>I had so many five boards they couldn't even see.

0:13:08.400 --> 0:13:11.160
<v Speaker 1>And I didn't even know that I had five words.

0:13:11.200 --> 0:13:14.400
<v Speaker 2>And I was like what And I lost the baby

0:13:14.640 --> 0:13:16.360
<v Speaker 2>and I was I mean, it was like a mix

0:13:16.440 --> 0:13:19.280
<v Speaker 2>between like I don't want to I felt like I

0:13:19.320 --> 0:13:22.880
<v Speaker 2>felt it more after than during, because I was more shocked,

0:13:22.920 --> 0:13:26.240
<v Speaker 2>like I have five woids, you know, and so but he.

0:13:27.160 --> 0:13:31.560
<v Speaker 1>Oh, I'm sorry, that's my IVF shot reminder.

0:13:32.080 --> 0:13:34.120
<v Speaker 3>Okay, I'm keeping that in you.

0:13:37.120 --> 0:13:40.559
<v Speaker 2>So, so what I what I learned was like I

0:13:40.840 --> 0:13:43.679
<v Speaker 2>had so many five woords so here's the thing that

0:13:44.440 --> 0:13:47.840
<v Speaker 2>even it was better for me to have had that mischaracter,

0:13:48.000 --> 0:13:50.040
<v Speaker 2>like you know, I was like, like I said, a

0:13:50.080 --> 0:13:53.880
<v Speaker 2>little under three months because my all the five boids

0:13:53.960 --> 0:13:56.920
<v Speaker 2>combined were like the size of me being like four

0:13:56.960 --> 0:14:00.280
<v Speaker 2>months pregnant, meaning that that those fibers are taking so

0:14:00.360 --> 0:14:02.520
<v Speaker 2>much space the baby would not have been able to

0:14:02.559 --> 0:14:06.360
<v Speaker 2>grow past six months, like as far as size, you know,

0:14:07.320 --> 0:14:11.920
<v Speaker 2>So imagine having a miscaracter at six months, you know.

0:14:12.640 --> 0:14:16.040
<v Speaker 1>So that's what I found out, and so of course

0:14:16.040 --> 0:14:18.520
<v Speaker 1>I right away it was like, well I want to

0:14:18.520 --> 0:14:19.080
<v Speaker 1>get rid of them.

0:14:19.160 --> 0:14:21.120
<v Speaker 2>I mean, there's all these natural remedies and things that

0:14:21.160 --> 0:14:23.440
<v Speaker 2>you can you could try, but I was like I

0:14:23.440 --> 0:14:26.080
<v Speaker 2>didn't want to wait like two years for something to work,

0:14:26.400 --> 0:14:27.920
<v Speaker 2>and so you know, I decided to have the five

0:14:27.960 --> 0:14:31.200
<v Speaker 2>word surgery. It actually went really really well. I had

0:14:31.240 --> 0:14:34.240
<v Speaker 2>a really good doctor. My recovery was I mean, I

0:14:34.240 --> 0:14:36.200
<v Speaker 2>thought everyone's five word surgery was kind of like that.

0:14:36.240 --> 0:14:38.120
<v Speaker 2>And so a number of my friends had it after me,

0:14:38.480 --> 0:14:41.120
<v Speaker 2>and they didn't have as their.

0:14:40.760 --> 0:14:43.360
<v Speaker 1>Recovery was much harder. For My recovery was really.

0:14:43.160 --> 0:14:45.320
<v Speaker 2>Like after a couple of days, I felt like almost

0:14:45.320 --> 0:14:47.520
<v Speaker 2>myself again. I had to remind myself you have stitches

0:14:47.560 --> 0:14:50.360
<v Speaker 2>like sit, you know, settle down. So the surgery was fine,

0:14:50.400 --> 0:14:53.320
<v Speaker 2>but then I kept getting the scar tissue because I

0:14:53.320 --> 0:14:57.280
<v Speaker 2>had so many fibers removed. And so finally I think

0:14:57.360 --> 0:14:59.840
<v Speaker 2>I mentioned like in a previous episode they had to

0:14:59.840 --> 0:15:03.080
<v Speaker 2>put with that the iud into me like the thing

0:15:03.080 --> 0:15:05.520
<v Speaker 2>that you normally put in with Yeah, just basically the

0:15:05.560 --> 0:15:08.480
<v Speaker 2>whole by us open. And also I didn't realize and

0:15:08.520 --> 0:15:11.720
<v Speaker 2>so I recently spoke to my doctor to release medicine

0:15:11.800 --> 0:15:15.000
<v Speaker 2>so the five boids wouldn't grow back, because you know,

0:15:15.000 --> 0:15:17.120
<v Speaker 2>five boards are not something that you can you can

0:15:17.160 --> 0:15:19.400
<v Speaker 2>remove them, but they can come back. And since she

0:15:19.480 --> 0:15:21.040
<v Speaker 2>knew I was gonna be recovering for a long time,

0:15:21.080 --> 0:15:24.120
<v Speaker 2>I could a year later be back with five boids.

0:15:24.120 --> 0:15:25.360
<v Speaker 2>So I don't have five boys and out.

0:15:25.400 --> 0:15:25.800
<v Speaker 1>Thank god.

0:15:26.640 --> 0:15:28.920
<v Speaker 2>I just got checked maybe like a week ago. But yeah,

0:15:28.960 --> 0:15:31.200
<v Speaker 2>so now that's why for me, time is really of

0:15:31.240 --> 0:15:34.960
<v Speaker 2>the essence. It's like Tiffany now, like everything has to

0:15:34.960 --> 0:15:36.280
<v Speaker 2>be on hold. If you want to have a kid,

0:15:36.360 --> 0:15:39.600
<v Speaker 2>you basically have to, you know, do it now. And

0:15:39.720 --> 0:15:42.960
<v Speaker 2>so yeah, it's so, I mean, I can't say I'm

0:15:43.000 --> 0:15:48.040
<v Speaker 2>prepared for a miscarag but I know that it's possible,

0:15:48.520 --> 0:15:50.400
<v Speaker 2>and I don't know. I know people who are like

0:15:50.520 --> 0:15:53.160
<v Speaker 2>on cycle seven. I don't know what that must feel like,

0:15:53.200 --> 0:15:55.800
<v Speaker 2>where you try again and you.

0:15:55.440 --> 0:15:57.240
<v Speaker 1>You know, you go again and put the embrys. I

0:15:57.280 --> 0:15:58.240
<v Speaker 1>don't know what that must feel like.

0:15:58.280 --> 0:16:00.000
<v Speaker 2>So I just you know, one cycle at a time,

0:16:00.600 --> 0:16:04.040
<v Speaker 2>and you know, prayerfully that this is my this is it.

0:16:04.240 --> 0:16:05.240
<v Speaker 1>You know, I do this cycle.

0:16:05.600 --> 0:16:08.200
<v Speaker 2>It takes really well, and I don't have to do

0:16:08.240 --> 0:16:09.800
<v Speaker 2>it like, you know, again and again. That's why I'm

0:16:09.840 --> 0:16:11.560
<v Speaker 2>kind of hoping for twins because I'm not gonna lie.

0:16:11.560 --> 0:16:13.720
<v Speaker 2>I do not want to go through this process again.

0:16:14.160 --> 0:16:16.080
<v Speaker 2>And I think I really would like to have like

0:16:16.440 --> 0:16:19.120
<v Speaker 2>more than one kid because we have Supergirl, but she's twelve,

0:16:19.440 --> 0:16:22.400
<v Speaker 2>and I feel like there's nothing like growing up with

0:16:22.440 --> 0:16:26.040
<v Speaker 2>a sibling close in age. Yeah, and so I would like,

0:16:26.120 --> 0:16:28.360
<v Speaker 2>you know, if I have the opportunity, I want to

0:16:28.400 --> 0:16:30.080
<v Speaker 2>give that, you know, to my child because they'll have

0:16:30.080 --> 0:16:32.680
<v Speaker 2>a sister. But you know, I know, like Lisa, I

0:16:32.760 --> 0:16:34.760
<v Speaker 2>was nine when my baby sister, Lisa was born, so

0:16:34.800 --> 0:16:36.000
<v Speaker 2>I was like, I'm an adult.

0:16:36.400 --> 0:16:38.600
<v Speaker 1>You know, we didn't actually grow up playing together, you know.

0:16:39.240 --> 0:16:45.680
<v Speaker 3>Yeah, I mean Supergirl's a lost cause anyway.

0:16:43.440 --> 0:16:46.800
<v Speaker 1>She is ready supergirls, like bring the baby.

0:16:46.480 --> 0:16:49.920
<v Speaker 3>Home for now, for now. You know when she when

0:16:50.000 --> 0:16:53.440
<v Speaker 3>when you came home his wife, she reacted so well

0:16:53.440 --> 0:16:53.720
<v Speaker 3>to that.

0:16:53.920 --> 0:16:57.840
<v Speaker 1>No, I know, yeah yeah, but yeah, so I mean.

0:16:57.920 --> 0:16:59.720
<v Speaker 3>Wait, do you need to do you need to go

0:16:59.760 --> 0:17:01.320
<v Speaker 3>take shot or something? I heard that job.

0:17:02.000 --> 0:17:03.440
<v Speaker 2>No, I have, like I put it, you have a

0:17:03.440 --> 0:17:06.159
<v Speaker 2>two hour window, so I have plenty. Okay, yeah, but

0:17:06.200 --> 0:17:07.840
<v Speaker 2>I'm like, yeah, whenever I hear it, I'm.

0:17:07.680 --> 0:17:11.240
<v Speaker 1>Like, no, no more shot. It's something else being a woman,

0:17:11.280 --> 0:17:11.679
<v Speaker 1>I tell you.

0:17:12.280 --> 0:17:14.800
<v Speaker 3>Listen. I was just complaining to my husband, like I

0:17:15.200 --> 0:17:17.320
<v Speaker 3>haven't talked to my mother in law since Christmas. And

0:17:17.359 --> 0:17:19.600
<v Speaker 3>I was adding, you know, a week after Christmas. I

0:17:19.600 --> 0:17:21.240
<v Speaker 3>was like, well it's been a week. And now I'm

0:17:21.240 --> 0:17:23.439
<v Speaker 3>thinking it's been a month and I haven't called her.

0:17:23.480 --> 0:17:25.600
<v Speaker 3>And I was just like, man, you know, do you

0:17:25.640 --> 0:17:28.000
<v Speaker 3>feel guilty for not talking to my dad or my mom?

0:17:28.320 --> 0:17:31.160
<v Speaker 3>And am I? And He's like, what, I don't think

0:17:31.160 --> 0:17:33.160
<v Speaker 3>he even texts either of them, Like, no one, there's

0:17:33.200 --> 0:17:36.520
<v Speaker 3>no expectation for him to visit them or call them.

0:17:36.560 --> 0:17:38.359
<v Speaker 3>And I'm like, do you see what's happening here? Like

0:17:38.720 --> 0:17:41.199
<v Speaker 3>I'm actually stressed out, and she's mad at me for

0:17:41.320 --> 0:17:44.280
<v Speaker 3>not communicating more. And it's just like such a double standard.

0:17:44.359 --> 0:17:47.359
<v Speaker 3>So I know that's it's different than you know, the

0:17:47.400 --> 0:17:49.480
<v Speaker 3>fertility things, but yes, it is something being a woman.

0:17:49.560 --> 0:17:52.240
<v Speaker 3>There's just such it's just such a different game, such

0:17:52.240 --> 0:17:54.800
<v Speaker 3>a different game because.

0:17:54.600 --> 0:17:56.760
<v Speaker 1>You're expected to still like do everything.

0:17:56.840 --> 0:17:58.640
<v Speaker 2>It's like, oh, you took a shot, okay, so you're

0:17:58.680 --> 0:18:01.359
<v Speaker 2>gonna show up and still come to work. Oh you

0:18:01.600 --> 0:18:03.560
<v Speaker 2>like you know, Oh yeah, a miscarriage, oh you know,

0:18:04.000 --> 0:18:06.640
<v Speaker 2>but you still have to like show up. And it's

0:18:06.680 --> 0:18:08.240
<v Speaker 2>just like, oh, it's just.

0:18:08.760 --> 0:18:10.600
<v Speaker 3>What Superman going through? What's he up to?

0:18:11.000 --> 0:18:12.040
<v Speaker 1>For real? You know?

0:18:12.480 --> 0:18:16.160
<v Speaker 2>Like I mean honestly, I mean obviously we have amazing husbands,

0:18:16.200 --> 0:18:17.680
<v Speaker 2>but it's not the same.

0:18:17.800 --> 0:18:19.000
<v Speaker 1>Like today, I literally was.

0:18:19.040 --> 0:18:22.639
<v Speaker 2>Like, like I came from the accountant. I was feeling

0:18:22.680 --> 0:18:24.879
<v Speaker 2>so overwhelmed, and I was like, oh, man, like I

0:18:24.920 --> 0:18:27.000
<v Speaker 2>have to make dinner when I come home, and then

0:18:27.040 --> 0:18:28.119
<v Speaker 2>I have to take front of me.

0:18:28.400 --> 0:18:30.080
<v Speaker 1>So I came home and he saw my face. He's like,

0:18:30.119 --> 0:18:32.160
<v Speaker 1>are you okay? I was like, what do you want

0:18:32.200 --> 0:18:38.000
<v Speaker 1>with your chicken? He was like, man, I can make dinner.

0:18:38.000 --> 0:18:40.920
<v Speaker 1>I was like, no, it's fine because it's said.

0:18:40.720 --> 0:18:43.520
<v Speaker 2>I'm gonna make dinner more often, you know, And he

0:18:43.640 --> 0:18:45.439
<v Speaker 2>was like, honestly, I really I'm not.

0:18:45.640 --> 0:18:46.880
<v Speaker 1>I don't want to eat your dinner, right.

0:18:46.880 --> 0:18:47.240
<v Speaker 3>I'll just.

0:18:49.119 --> 0:18:52.399
<v Speaker 1>Take But it's like, you know cause I feel guilty

0:18:52.440 --> 0:18:53.240
<v Speaker 1>about that too.

0:18:53.240 --> 0:18:55.240
<v Speaker 2>Because I'm like, oh, I don't make dinner as much

0:18:55.240 --> 0:18:57.760
<v Speaker 2>as I should. And my good step mom, I feel

0:18:57.760 --> 0:18:59.760
<v Speaker 2>like Supergirl still hates me half the time.

0:19:00.200 --> 0:19:01.679
<v Speaker 1>Some days she's like, hey, taping.

0:19:01.800 --> 0:19:04.280
<v Speaker 2>Other days I'm like, good morning, and it's crickd So

0:19:04.280 --> 0:19:05.520
<v Speaker 2>I'm like, what have I done to you?

0:19:06.720 --> 0:19:08.640
<v Speaker 1>Oh, I'm just like and then I'm like, I want

0:19:08.640 --> 0:19:10.280
<v Speaker 1>to be a good donner. You want to be a

0:19:10.280 --> 0:19:10.880
<v Speaker 1>good friend.

0:19:11.359 --> 0:19:12.960
<v Speaker 3>You're starting Yeah, okay.

0:19:12.920 --> 0:19:13.520
<v Speaker 1>I know that.

0:19:15.560 --> 0:19:18.440
<v Speaker 2>Say, And to be fair, I'm like, yo, these shots

0:19:18.480 --> 0:19:20.400
<v Speaker 2>are something else because I'm like, Tetha, you weren't wild

0:19:20.560 --> 0:19:21.119
<v Speaker 2>like this before.

0:19:21.520 --> 0:19:22.920
<v Speaker 1>And it's not until I was talking to my best

0:19:22.920 --> 0:19:26.440
<v Speaker 1>friend Drina. She was like, so I think the shots

0:19:26.680 --> 0:19:32.480
<v Speaker 1>aren't and now I'm laughing. I am truly feeling crazy.

0:19:32.560 --> 0:19:35.040
<v Speaker 2>So yes, so if i'm you could feel free to

0:19:35.080 --> 0:19:36.879
<v Speaker 2>really be on in because I know the shots definitely

0:19:36.880 --> 0:19:38.280
<v Speaker 2>have me on a roller coaster ride.

0:19:38.560 --> 0:19:40.560
<v Speaker 3>No, well, I'm really happy that you're sharing, and I

0:19:40.600 --> 0:19:43.400
<v Speaker 3>mean come on, we I think everyone listening can relate,

0:19:43.440 --> 0:19:46.280
<v Speaker 3>at least in some parts what you're going through. So well,

0:19:46.520 --> 0:19:49.640
<v Speaker 3>good vibes, nothing but good vibes, good baby vibes, and

0:19:49.840 --> 0:19:51.080
<v Speaker 3>uh yeah, keep us posted.

0:19:51.960 --> 0:19:53.440
<v Speaker 1>We'll do now.

0:19:53.440 --> 0:19:56.520
<v Speaker 3>For my Debbie Downer segue, I feel like we need

0:19:56.520 --> 0:19:59.359
<v Speaker 3>some kind of sad gong or something. Day thirty three

0:19:59.760 --> 0:20:04.760
<v Speaker 3>of the government shut down. Yeah, my husband's contributing nothing

0:20:04.760 --> 0:20:06.480
<v Speaker 3>to the household, and yet he's still having to go

0:20:06.520 --> 0:20:09.640
<v Speaker 3>to work every day. It sucks. Like there's people who

0:20:09.720 --> 0:20:11.720
<v Speaker 3>if you're if you're considered non essentially, you don't have

0:20:11.760 --> 0:20:13.920
<v Speaker 3>to go to work, and yes, that sucks because you

0:20:14.000 --> 0:20:15.720
<v Speaker 3>know you're not working, you're not getting paid. But he's

0:20:15.760 --> 0:20:17.440
<v Speaker 3>considered essential, so he still has to go to work

0:20:17.480 --> 0:20:19.680
<v Speaker 3>and still isn't getting paid. And he's like it's never

0:20:19.720 --> 0:20:21.840
<v Speaker 3>been busier, so he's still working late. He had to

0:20:21.840 --> 0:20:24.640
<v Speaker 3>go to work on Saturday. Like, when is this madness

0:20:24.640 --> 0:20:29.080
<v Speaker 3>gonna end? I read some article about a guy who's

0:20:29.119 --> 0:20:32.040
<v Speaker 3>like making Star Wars figurines to make extra income and

0:20:32.080 --> 0:20:34.679
<v Speaker 3>how people are trying to find side hustles just to

0:20:34.960 --> 0:20:36.800
<v Speaker 3>just to kind of make ends meet, and I just

0:20:37.160 --> 0:20:39.359
<v Speaker 3>I can't. I can't take it much longer.

0:20:39.520 --> 0:20:42.240
<v Speaker 2>No, you know, it's so crazy because having a government

0:20:42.280 --> 0:20:44.000
<v Speaker 2>job was supposed to be like the safest job you

0:20:44.040 --> 0:20:48.120
<v Speaker 2>can get, like that, you know, super secure, great insurance,

0:20:48.200 --> 0:20:50.320
<v Speaker 2>and now it's like is it you know.

0:20:50.840 --> 0:20:54.359
<v Speaker 3>Yeah, tax sis is going to be interesting. You mentioned

0:20:54.400 --> 0:20:56.119
<v Speaker 3>that earlier. I don't even know. I mean with the

0:20:56.119 --> 0:20:59.280
<v Speaker 3>irs already being like kind of a shit show. Now

0:20:59.280 --> 0:21:02.800
<v Speaker 3>when you consider the I mean, they're saying that they're

0:21:02.800 --> 0:21:04.560
<v Speaker 3>going to do their best to get everything out on

0:21:04.640 --> 0:21:06.920
<v Speaker 3>time per usual. But they're saying that, but I don't

0:21:06.960 --> 0:21:09.240
<v Speaker 3>know if it all you know, things will actually happen,

0:21:09.280 --> 0:21:11.680
<v Speaker 3>because what are we supposed to start getting w well,

0:21:11.800 --> 0:21:15.200
<v Speaker 3>you don't know, but the end of Jenny right.

0:21:15.160 --> 0:21:19.359
<v Speaker 4>Right, yeah, yeah, and it even affects everyone, like I

0:21:19.640 --> 0:21:21.680
<v Speaker 4>two of my companies, I switched from an ES Corp

0:21:21.720 --> 0:21:25.080
<v Speaker 4>to a SA corp that's different that that means I'll

0:21:25.119 --> 0:21:26.080
<v Speaker 4>be taxed differently.

0:21:26.800 --> 0:21:30.040
<v Speaker 2>Submitted this stuff in November through my account. Of course

0:21:30.040 --> 0:21:34.239
<v Speaker 2>he did it December. They were like closed, and so

0:21:34.800 --> 0:21:36.560
<v Speaker 2>now he's trying to call because we have to do

0:21:36.600 --> 0:21:39.000
<v Speaker 2>our taxes and so we don't know how to file

0:21:39.119 --> 0:21:40.840
<v Speaker 2>am I an escorp, am I a C Corp.

0:21:41.040 --> 0:21:43.520
<v Speaker 1>And there's nobody to ask. That's totally.

0:21:43.800 --> 0:21:46.680
<v Speaker 2>That's the difference is like tens of thousands of dollars

0:21:46.720 --> 0:21:49.639
<v Speaker 2>in taxes because if they say no, we're not going

0:21:49.680 --> 0:21:50.960
<v Speaker 2>to allow you to be a sea corp, then I

0:21:51.000 --> 0:21:53.240
<v Speaker 2>owe more. And if they say yes, you could be

0:21:53.280 --> 0:21:56.399
<v Speaker 2>a sea corp, than I owe less, and so you

0:21:56.440 --> 0:22:00.600
<v Speaker 2>know it, even though well, yeah, no, oh, there's no

0:22:00.720 --> 0:22:01.800
<v Speaker 2>there's no one to answer.

0:22:01.880 --> 0:22:03.600
<v Speaker 1>He's called and.

0:22:04.040 --> 0:22:06.040
<v Speaker 2>Yeah, because you have to be you know, you have

0:22:06.080 --> 0:22:08.760
<v Speaker 2>to be approved. And he's like, well, we're gonna we're

0:22:08.760 --> 0:22:11.960
<v Speaker 2>gonna move forward with the thinking that you're a CE corp.

0:22:12.040 --> 0:22:13.760
<v Speaker 2>But they might come back and say otherwise, or they

0:22:13.800 --> 0:22:15.919
<v Speaker 2>might say, hey, you could be a sea corp, but

0:22:15.960 --> 0:22:18.560
<v Speaker 2>you can't. It can't be since January first. We'll only

0:22:18.640 --> 0:22:21.359
<v Speaker 2>let you since when you're filed in November. So there's

0:22:21.400 --> 0:22:24.600
<v Speaker 2>no it could be three different answers and so that

0:22:24.760 --> 0:22:28.040
<v Speaker 2>so it affects, It affects let's shut down. It's affecting everyone,

0:22:28.160 --> 0:22:30.640
<v Speaker 2>even if you don't directly work for the federal government.

0:22:30.680 --> 0:22:34.320
<v Speaker 2>And it's just I don't I don't like what's the

0:22:34.480 --> 0:22:36.119
<v Speaker 2>end goal here? You know, well, I know what the

0:22:36.160 --> 0:22:36.800
<v Speaker 2>end goal is.

0:22:36.680 --> 0:22:42.840
<v Speaker 3>But the wall chaos distraction. Well, it's also impacting people

0:22:42.920 --> 0:22:45.080
<v Speaker 3>in the mortgage process. We've heard about that recently. So

0:22:45.080 --> 0:22:47.320
<v Speaker 3>if you're like a federal worker and your bank is

0:22:47.359 --> 0:22:49.760
<v Speaker 3>asking you for, you know, records of your payment in

0:22:49.840 --> 0:22:52.359
<v Speaker 3>the middle of an underwriting phase. They don't just do

0:22:52.400 --> 0:22:54.239
<v Speaker 3>that at the beginning of a loan application. They'll come

0:22:54.280 --> 0:22:56.119
<v Speaker 3>at the very end too. If you're like closing and

0:22:56.160 --> 0:22:58.879
<v Speaker 3>do another check of all your records, and if all

0:22:58.920 --> 0:23:02.040
<v Speaker 3>of a sudden you know you've been furloughed, that could

0:23:02.080 --> 0:23:05.520
<v Speaker 3>that could you know, throw a wrench in your plan

0:23:05.600 --> 0:23:07.679
<v Speaker 3>unless you kind of talk to your lender. But on

0:23:07.720 --> 0:23:10.199
<v Speaker 3>the on the bright side, we did recently write a

0:23:10.240 --> 0:23:13.320
<v Speaker 3>story about a bunch of banks kind of offering assistance

0:23:13.359 --> 0:23:16.440
<v Speaker 3>to federal workers who've been furloughed. So if you've got

0:23:16.480 --> 0:23:18.359
<v Speaker 3>loan payments due, or you're going to miss your credit

0:23:18.359 --> 0:23:20.880
<v Speaker 3>card payment or something like that, call up your bank

0:23:20.920 --> 0:23:22.640
<v Speaker 3>and check out their website and see if they offer

0:23:22.640 --> 0:23:26.920
<v Speaker 3>any kind of financial hardship program. They're typically used after

0:23:27.000 --> 0:23:30.639
<v Speaker 3>like natural disasters. But it's been good to see banks

0:23:30.680 --> 0:23:33.320
<v Speaker 3>doing the right thing and agreeing to work with workers,

0:23:33.359 --> 0:23:36.480
<v Speaker 3>because this is seriously out of anybody's hands except for

0:23:37.119 --> 0:23:38.560
<v Speaker 3>our elected officials.

0:23:38.880 --> 0:23:40.520
<v Speaker 1>Yeah. No, that has been really good to see.

0:23:40.520 --> 0:23:41.879
<v Speaker 2>I've seen a lot, and I've seen a lot of

0:23:41.920 --> 0:23:46.080
<v Speaker 2>people giving and like restaurants like offering free lunches, and

0:23:46.160 --> 0:23:49.119
<v Speaker 2>it's just you know, there's been a lot of just

0:23:49.400 --> 0:23:50.600
<v Speaker 2>like heartwarming things.

0:23:50.680 --> 0:23:52.639
<v Speaker 1>But it would just be nice for people.

0:23:52.720 --> 0:23:55.399
<v Speaker 2>I honestly, I can't imagine, you know, when I was

0:23:55.440 --> 0:23:56.400
<v Speaker 2>a preschool teacher.

0:23:56.240 --> 0:23:57.840
<v Speaker 1>Being like, oh, no check for no check for the

0:23:57.840 --> 0:23:58.919
<v Speaker 1>whole month. I don't even know.

0:24:00.160 --> 0:24:31.480
<v Speaker 5>Yeah, that's crazy.

0:24:35.359 --> 0:24:41.800
<v Speaker 6>It's time for questions. I guess guess the song ah

0:24:42.760 --> 0:24:46.480
<v Speaker 6>was it's time for questions?

0:24:47.160 --> 0:24:49.200
<v Speaker 3>I yeah, I don't do it again, but I don't.

0:24:49.040 --> 0:24:56.320
<v Speaker 2>Know, oh, because you know, I was trying to think, like,

0:24:56.359 --> 0:24:58.240
<v Speaker 2>what's the second part of the melody?

0:24:59.440 --> 0:25:00.159
<v Speaker 1>Oh, I get a I went.

0:25:00.280 --> 0:25:03.000
<v Speaker 2>For those of you guests, I want you to tweet

0:25:03.080 --> 0:25:06.639
<v Speaker 2>us at the BA podcast and let us know if

0:25:06.680 --> 0:25:09.800
<v Speaker 2>you know what that tune is, the questions tune.

0:25:10.880 --> 0:25:12.840
<v Speaker 3>You can rewind it to hear it again, but don't

0:25:13.000 --> 0:25:14.080
<v Speaker 3>actually do it again.

0:25:17.080 --> 0:25:20.080
<v Speaker 1>All right, so you could email us your questions.

0:25:20.160 --> 0:25:25.800
<v Speaker 3>Ask Brown Ambition Podcasts at gmail dot com.

0:25:25.840 --> 0:25:30.400
<v Speaker 2>I'm actually gonna dig into the Dreamcatchers group on Facebook Extreamcatchers,

0:25:30.480 --> 0:25:33.920
<v Speaker 2>Colon Live Richer with a bunch Ofista. This question comes

0:25:33.960 --> 0:25:35.840
<v Speaker 2>from Well, because this is a private group, I'm not

0:25:35.880 --> 0:25:38.520
<v Speaker 2>going to say her her name. I'm going to say

0:25:38.520 --> 0:25:42.600
<v Speaker 2>her name is Maria. Maria says, what are you?

0:25:42.880 --> 0:25:43.520
<v Speaker 1>What is your thought?

0:25:43.560 --> 0:25:46.760
<v Speaker 2>What are your thoughts on paying a credit prepare agency

0:25:46.800 --> 0:25:50.679
<v Speaker 2>monthly to clean up your credit compared to doing it yourself? Also,

0:25:51.160 --> 0:25:55.160
<v Speaker 2>is it better to dispute items or negotiate a settlement

0:25:55.200 --> 0:25:59.520
<v Speaker 2>for deletion? So credit pair versus doing yourself dispute or

0:25:59.560 --> 0:26:01.119
<v Speaker 2>negotiat a settlement for deletion?

0:26:02.359 --> 0:26:04.360
<v Speaker 1>This is Maria? What say you, Manadra?

0:26:05.080 --> 0:26:05.320
<v Speaker 2>Yeah?

0:26:05.480 --> 0:26:07.560
<v Speaker 3>Credit repair, I mean this is one of those topics

0:26:07.600 --> 0:26:11.280
<v Speaker 3>that or one of those things that isn't necessarily nefarious

0:26:11.600 --> 0:26:15.560
<v Speaker 3>or predatory but easily can get into that can get

0:26:15.600 --> 0:26:17.359
<v Speaker 3>into that lane. So you have to really be careful

0:26:17.359 --> 0:26:20.680
<v Speaker 3>when you're vetting, when you're vetting a credit repair firm,

0:26:20.800 --> 0:26:24.320
<v Speaker 3>and make sure that your expectations of them are realistic

0:26:24.920 --> 0:26:27.720
<v Speaker 3>and that the value of them taking the time to

0:26:27.760 --> 0:26:30.320
<v Speaker 3>do something that you could do yourself is worth it

0:26:30.359 --> 0:26:33.560
<v Speaker 3>to you to pay for it. That would be my warning.

0:26:34.240 --> 0:26:36.560
<v Speaker 3>So read reviews, you know, check see if there there

0:26:36.600 --> 0:26:40.479
<v Speaker 3>have been complaints about them online. The Consumer Financial Protection

0:26:40.600 --> 0:26:44.919
<v Speaker 3>Bureau still publishes a report where they track, you know,

0:26:45.040 --> 0:26:51.280
<v Speaker 3>complaints against different financial institutions. Uh, you know, and and yeah,

0:26:51.320 --> 0:26:53.719
<v Speaker 3>I just have a hard time saying it's it's it

0:26:53.800 --> 0:26:57.040
<v Speaker 3>can help, and I think it can be helpful in

0:26:57.080 --> 0:27:00.440
<v Speaker 3>certain situations, especially for people who just feel over whelmed.

0:27:00.640 --> 0:27:04.119
<v Speaker 3>But it's not like it's not like the panacea to

0:27:04.160 --> 0:27:06.320
<v Speaker 3>all your problems. It won't solve everything. It's not a

0:27:06.320 --> 0:27:09.800
<v Speaker 3>magic pill that'll remove all your debt and save all

0:27:09.840 --> 0:27:13.720
<v Speaker 3>your woes. Like Tiffany always says, like, if poor credit

0:27:13.800 --> 0:27:17.040
<v Speaker 3>histories on your report and it's true, it's it'll stay there.

0:27:16.960 --> 0:27:17.159
<v Speaker 1>You know.

0:27:17.320 --> 0:27:19.879
<v Speaker 2>Yeah, And that's the thing about when you're like this,

0:27:20.119 --> 0:27:25.000
<v Speaker 2>uh Maria saying, dispute items and negotiate a settlement for deletion.

0:27:25.680 --> 0:27:28.080
<v Speaker 2>But here's the thing, and this is the thing that

0:27:28.160 --> 0:27:32.280
<v Speaker 2>sometimes the disreputable credit repair agencies do. And I hate

0:27:32.320 --> 0:27:35.720
<v Speaker 2>that so honestly that sometimes dream catches that they've got

0:27:35.800 --> 0:27:39.159
<v Speaker 2>you thinking that disputing true items is the way to

0:27:39.160 --> 0:27:41.960
<v Speaker 2>clean up your credit report. It's true, like when you

0:27:42.040 --> 0:27:45.800
<v Speaker 2>dispute something, you're saying, hey, this is not true, but

0:27:46.119 --> 0:27:49.800
<v Speaker 2>if you did indeed swipe your visa and oh, visa,

0:27:50.359 --> 0:27:53.480
<v Speaker 2>that's true. So you're really not supposed to dispute that

0:27:53.520 --> 0:27:56.920
<v Speaker 2>because and less visa says you owe five hundred when

0:27:56.960 --> 0:27:57.639
<v Speaker 2>you know you only.

0:27:57.520 --> 0:27:58.520
<v Speaker 1>Owe two hundred. You know.

0:27:59.160 --> 0:28:02.320
<v Speaker 2>Yeah, So to me saying should you dispute items, will

0:28:02.359 --> 0:28:05.280
<v Speaker 2>only dispute it if it's not true, or negotiate a

0:28:05.280 --> 0:28:08.880
<v Speaker 2>settlement for a deletion. Now, negotiating a settlement, I mean

0:28:09.320 --> 0:28:11.640
<v Speaker 2>to me, here's the thing. It really kind of depends

0:28:11.680 --> 0:28:14.040
<v Speaker 2>on what it's worth to you. Now, if you owe

0:28:14.080 --> 0:28:16.400
<v Speaker 2>fifty thousand dollars and you want to negotiate a settlement

0:28:16.480 --> 0:28:18.639
<v Speaker 2>down to ten, it's going to be worth to me

0:28:18.800 --> 0:28:21.359
<v Speaker 2>that's probably worth the hit to your credit report.

0:28:21.480 --> 0:28:22.760
<v Speaker 1>But no, that.

0:28:22.800 --> 0:28:27.639
<v Speaker 2>Because if basically they've forgiven forty thousand dollars worth of debt,

0:28:27.800 --> 0:28:30.080
<v Speaker 2>you're likely going to have to pay taxes on what

0:28:30.200 --> 0:28:33.560
<v Speaker 2>was not paid because what's not paid is considered income

0:28:33.920 --> 0:28:36.359
<v Speaker 2>to the federal government, right, So that's one you have

0:28:36.400 --> 0:28:38.560
<v Speaker 2>to keep that in mind. So you might have to pay,

0:28:38.600 --> 0:28:42.120
<v Speaker 2>you know, twenty five thirty percent on that money that

0:28:42.280 --> 0:28:43.480
<v Speaker 2>wasn't paid.

0:28:43.720 --> 0:28:46.000
<v Speaker 1>But sometimes that's still worth it to some folks.

0:28:46.120 --> 0:28:49.600
<v Speaker 2>But I've seen people settle, like, you know, five hundred

0:28:49.600 --> 0:28:51.760
<v Speaker 2>dollars worth of debt, and it's not necessarily worth it

0:28:51.800 --> 0:28:54.320
<v Speaker 2>if you can pay that off, because like having a

0:28:54.360 --> 0:28:57.960
<v Speaker 2>settlement on your credit report can really give you a

0:28:58.080 --> 0:29:00.720
<v Speaker 2>nasty thing. And I don't know that it's worth it

0:29:00.760 --> 0:29:03.440
<v Speaker 2>for five hundred dollars, you know, So it's really up

0:29:03.480 --> 0:29:04.360
<v Speaker 2>to you to decide.

0:29:04.600 --> 0:29:07.920
<v Speaker 3>Is that being like more painful than or worse for

0:29:07.960 --> 0:29:10.959
<v Speaker 3>your credit than just the continuous you know, non payment

0:29:10.960 --> 0:29:13.200
<v Speaker 3>of debt, like if you're not being able to make

0:29:13.240 --> 0:29:15.480
<v Speaker 3>your payments and finally you just settle it.

0:29:15.720 --> 0:29:18.080
<v Speaker 1>Yeah, so I say this, So this is what was

0:29:18.120 --> 0:29:18.960
<v Speaker 1>told to share it with me.

0:29:19.080 --> 0:29:21.120
<v Speaker 2>Like I remember I was deciding whether it's to settle,

0:29:21.120 --> 0:29:23.040
<v Speaker 2>and I and had already not. This is like when

0:29:23.280 --> 0:29:25.120
<v Speaker 2>my mortgage I had already not paid for a longer

0:29:25.160 --> 0:29:27.760
<v Speaker 2>period of time, and my friend MICHAELA who's a lawyer,

0:29:27.840 --> 0:29:30.040
<v Speaker 2>was like, we're here now, Tiffany.

0:29:29.680 --> 0:29:31.280
<v Speaker 1>Like I was like, oh no, no, I don't want it

0:29:31.320 --> 0:29:34.040
<v Speaker 1>to because I was talking about foreclosure. And she's like, uh,

0:29:34.120 --> 0:29:35.720
<v Speaker 1>you haven't paid your mortgage in a year.

0:29:36.760 --> 0:29:39.680
<v Speaker 2>It was basically like your credit score is already in

0:29:39.680 --> 0:29:41.760
<v Speaker 2>the gutter. This is just you kicking the can in

0:29:41.800 --> 0:29:45.400
<v Speaker 2>the gutter. I was like, okay, So so basically, yes,

0:29:45.480 --> 0:29:50.960
<v Speaker 2>if you are behind for a long time, then settling

0:29:51.160 --> 0:29:53.120
<v Speaker 2>is not a huge thing. But let's just say I

0:29:53.120 --> 0:29:55.280
<v Speaker 2>wouldn't come out the gate settling if you don't have

0:29:55.360 --> 0:29:57.880
<v Speaker 2>to unless you're really going to save a significant amount

0:29:57.920 --> 0:29:59.000
<v Speaker 2>of money that's worth.

0:29:58.760 --> 0:30:00.240
<v Speaker 1>It because settling.

0:30:00.840 --> 0:30:02.280
<v Speaker 2>Think you have to think about this way which you're

0:30:02.280 --> 0:30:04.880
<v Speaker 2>telling future lenders, is I don't pay back, Like, if

0:30:04.880 --> 0:30:06.920
<v Speaker 2>you lends to me, there's a high likelihood that I'm

0:30:06.960 --> 0:30:08.400
<v Speaker 2>only going to give you some of your money back,

0:30:08.560 --> 0:30:09.960
<v Speaker 2>and no lender wants to see that.

0:30:10.560 --> 0:30:14.200
<v Speaker 3>Yeah, and when you settle too, like, lenders typically won't

0:30:14.200 --> 0:30:17.240
<v Speaker 3>settle with you unless you're really delinquent already, Like you

0:30:17.440 --> 0:30:19.880
<v Speaker 3>your months behind on payments, so I would you know,

0:30:19.920 --> 0:30:21.920
<v Speaker 3>if you miss one payment or you know, a few

0:30:21.960 --> 0:30:24.680
<v Speaker 3>months of your payments, a lender may not be prepared

0:30:24.720 --> 0:30:28.239
<v Speaker 3>to settle with you until it gets really bad. So

0:30:29.080 --> 0:30:32.200
<v Speaker 3>you have to understand you maybe, like if you plan

0:30:32.280 --> 0:30:34.560
<v Speaker 3>on settling, you you would have to have the stomach

0:30:34.640 --> 0:30:36.640
<v Speaker 3>to watch your credit score tank because it takes a

0:30:36.680 --> 0:30:38.840
<v Speaker 3>long time of non payment for them to be to

0:30:38.920 --> 0:30:43.280
<v Speaker 3>consider settling that debt. But you know, and often with

0:30:43.320 --> 0:30:45.920
<v Speaker 3>settling debt. Even if a credit repair gets you a

0:30:45.960 --> 0:30:48.560
<v Speaker 3>debt settlement deal, which honestly you can do yourself simply

0:30:48.560 --> 0:30:50.840
<v Speaker 3>by asking, you know, I can't pay ten, but I

0:30:50.880 --> 0:30:54.760
<v Speaker 3>have six. Even if they did, often they require a

0:30:54.800 --> 0:30:57.880
<v Speaker 3>lump sum payment right away. So if you don't have

0:30:57.960 --> 0:31:01.040
<v Speaker 3>the money up front, that can be bad. I mean,

0:31:01.240 --> 0:31:03.600
<v Speaker 3>it can be worthless because yes, they've negotiated for you,

0:31:03.640 --> 0:31:04.920
<v Speaker 3>but you don't have the money to pay it off,

0:31:04.920 --> 0:31:06.920
<v Speaker 3>so you're back where you started. That's one of the

0:31:06.920 --> 0:31:09.840
<v Speaker 3>reasons why we recommend reaching out to agencies like the

0:31:09.960 --> 0:31:14.400
<v Speaker 3>National Foundation for Credit Counseling. They have sort of a

0:31:14.440 --> 0:31:16.480
<v Speaker 3>lift of you can they'll match you with a credit

0:31:16.520 --> 0:31:18.840
<v Speaker 3>counselor and they can help you set aside money to

0:31:18.840 --> 0:31:20.440
<v Speaker 3>pay off your debt and get you on a debt

0:31:20.480 --> 0:31:23.960
<v Speaker 3>repayment plan through their system. And it's it can be

0:31:24.160 --> 0:31:26.720
<v Speaker 3>I believe, like twenty five dollars a month to get

0:31:26.720 --> 0:31:29.320
<v Speaker 3>that type of support from the NFCC. And they're a

0:31:29.360 --> 0:31:33.200
<v Speaker 3>nonprofit and highly reputable, reputable, and I can I'm happy

0:31:33.240 --> 0:31:35.480
<v Speaker 3>to share a link to their their site in the

0:31:35.680 --> 0:31:36.760
<v Speaker 3>in the notes.

0:31:36.840 --> 0:31:39.560
<v Speaker 1>Yeah, I like them, And so it's a NFCC dot org.

0:31:39.720 --> 0:31:43.320
<v Speaker 3>Right, ORG, I believe, So let mean I can check,

0:31:43.680 --> 0:31:45.640
<v Speaker 3>I'll send I'll put a link in the show notes.

0:31:45.720 --> 0:31:45.960
<v Speaker 1>Yep.

0:31:46.560 --> 0:31:48.640
<v Speaker 2>And then because to me, the only the only kind

0:31:48.640 --> 0:31:54.160
<v Speaker 2>of entity that you can settle without taking like like

0:31:54.200 --> 0:31:56.040
<v Speaker 2>this immediate hit that I've seen is like when I

0:31:56.280 --> 0:32:00.600
<v Speaker 2>settled my my my hospital bill and so it didn't

0:32:00.640 --> 0:32:03.160
<v Speaker 2>actually it went to like internal collections at the hospital,

0:32:03.200 --> 0:32:05.160
<v Speaker 2>so they hadn't, like sad it to like the credit bureaus.

0:32:06.120 --> 0:32:07.200
<v Speaker 1>So I was able to settle.

0:32:07.240 --> 0:32:09.120
<v Speaker 2>But when I looked on my credit score, it didn't

0:32:09.160 --> 0:32:11.000
<v Speaker 2>it didn't go on my credit report because they had

0:32:11.040 --> 0:32:13.000
<v Speaker 2>not reported it yet that they sent it to their

0:32:13.040 --> 0:32:16.400
<v Speaker 2>internal collections versus like the you know, the normal collections

0:32:16.400 --> 0:32:21.800
<v Speaker 2>bureaus that report to you know, like Experience Equifacts, TransUnion,

0:32:22.040 --> 0:32:23.760
<v Speaker 2>so hospital bills.

0:32:23.800 --> 0:32:26.120
<v Speaker 1>There's a lot more flexibility when it comes to settling.

0:32:26.880 --> 0:32:30.280
<v Speaker 3>Yeah, I've definitely settled some. It's not that I didn't pay.

0:32:30.320 --> 0:32:32.680
<v Speaker 3>I just forgot I didn't they had sent a bill

0:32:32.760 --> 0:32:34.280
<v Speaker 3>for like you know how you go the doctor and

0:32:34.320 --> 0:32:36.480
<v Speaker 3>you get some lab tests and then yeah, you get

0:32:36.520 --> 0:32:38.560
<v Speaker 3>bills from like these random labs and you forget what

0:32:38.600 --> 0:32:41.240
<v Speaker 3>they are because it's like two months later anyway, that

0:32:41.320 --> 0:32:44.040
<v Speaker 3>happened and I ended up just I just kept being

0:32:44.040 --> 0:32:45.640
<v Speaker 3>so frustrated, and she was like, look, do you want

0:32:45.640 --> 0:32:46.960
<v Speaker 3>to just get rid of this for forty dollars? And

0:32:47.000 --> 0:32:50.960
<v Speaker 3>I was like sure, and that was that was easy.

0:32:51.040 --> 0:32:53.720
<v Speaker 3>So good question. Just watch out for credit repair firms

0:32:53.800 --> 0:32:57.200
<v Speaker 3>up for instead a credit counseling nonprofit if you can

0:32:57.680 --> 0:32:58.200
<v Speaker 3>start there.

0:32:59.640 --> 0:33:01.800
<v Speaker 2>We have a good question, do you want to I

0:33:01.800 --> 0:33:04.200
<v Speaker 2>want to ask another one. This one is nice and light,

0:33:05.560 --> 0:33:09.120
<v Speaker 2>so I'm gonna say. Her name is Tiara. Sierra says,

0:33:09.160 --> 0:33:11.400
<v Speaker 2>what are your What are some of your financial goals

0:33:11.440 --> 0:33:15.840
<v Speaker 2>for twenty nineteen? Mine is to start saving for a

0:33:15.840 --> 0:33:18.160
<v Speaker 2>down payment for a house and to take this IT

0:33:18.480 --> 0:33:22.320
<v Speaker 2>class and start making some real money. Okay, Tiara, So

0:33:22.400 --> 0:33:24.920
<v Speaker 2>what are your financial goals for twenty nineteen?

0:33:25.640 --> 0:33:31.400
<v Speaker 3>Recover from home ownership in twenty eighteen. Yeah, rebuild back

0:33:31.480 --> 0:33:33.760
<v Speaker 3>up my emergency fund to a place where I'm really

0:33:33.800 --> 0:33:38.520
<v Speaker 3>happy and feeling confident. I would say, also, I know

0:33:38.600 --> 0:33:40.600
<v Speaker 3>I have my own goals for my health. I think

0:33:40.600 --> 0:33:43.000
<v Speaker 3>that's also tied up in financial wellness somehow. I mean

0:33:43.040 --> 0:33:45.680
<v Speaker 3>I feel like if I'm not well and I can't work,

0:33:45.720 --> 0:33:48.800
<v Speaker 3>then that puts my family at a disadvantage in my

0:33:48.840 --> 0:33:52.960
<v Speaker 3>household at a disadvantage. So I'm working on that, yeah,

0:33:53.000 --> 0:33:56.880
<v Speaker 3>And I I think career wise, I always think about

0:33:56.880 --> 0:33:59.440
<v Speaker 3>those types of goals. I'm fortunate to be in a

0:33:59.520 --> 0:34:03.120
<v Speaker 3>position where I feel like every other month there's new

0:34:03.200 --> 0:34:06.720
<v Speaker 3>challenges and new things to sink my teeth into it.

0:34:06.800 --> 0:34:10.560
<v Speaker 3>I'm always feeling challenged by the work. And one of

0:34:10.600 --> 0:34:13.359
<v Speaker 3>the things that I've recognized though in the last sort

0:34:13.400 --> 0:34:15.560
<v Speaker 3>of few months or not a few months, but the

0:34:15.640 --> 0:34:19.240
<v Speaker 3>last year, is that I could definitely learn some skills

0:34:19.239 --> 0:34:21.759
<v Speaker 3>that other people that I work with know instead of

0:34:21.800 --> 0:34:23.680
<v Speaker 3>having to rely on them to do things for me.

0:34:24.360 --> 0:34:25.759
<v Speaker 3>And it's not that I want to do their job,

0:34:25.800 --> 0:34:28.799
<v Speaker 3>but I want to better educate myself about a particular

0:34:28.840 --> 0:34:31.480
<v Speaker 3>strategy that feeds a lot of the direction of what

0:34:31.520 --> 0:34:35.400
<v Speaker 3>we do here. Andy. I've already set up kind of

0:34:35.400 --> 0:34:38.399
<v Speaker 3>conversations with the person who leads the team that does

0:34:38.400 --> 0:34:41.040
<v Speaker 3>this part of the strategy for our company, and he's

0:34:41.600 --> 0:34:43.759
<v Speaker 3>going to help me learn so that I can sort

0:34:43.800 --> 0:34:46.120
<v Speaker 3>of walk into meetings feeling more confident in my own

0:34:46.160 --> 0:34:48.719
<v Speaker 3>knowledge about the subject matter and then be able to

0:34:48.719 --> 0:34:50.680
<v Speaker 3>call people on their bs when they're not, you know,

0:34:50.840 --> 0:34:52.440
<v Speaker 3>doing what they say they're going to do or they're not,

0:34:52.760 --> 0:34:54.960
<v Speaker 3>you know, giving us the direction that we need. And

0:34:55.000 --> 0:34:56.840
<v Speaker 3>that's actually going to be a big game changer for me,

0:34:56.920 --> 0:34:59.319
<v Speaker 3>I feel like in my career, because it'll make me

0:34:59.560 --> 0:35:02.279
<v Speaker 3>even more valuable if I speak that, if I'm just

0:35:02.480 --> 0:35:06.200
<v Speaker 3>multi lingual and other sort of types of strategies and

0:35:06.239 --> 0:35:11.440
<v Speaker 3>conversations at the company smartiatti, I'm trying.

0:35:13.040 --> 0:35:14.280
<v Speaker 1>Mine, honestly.

0:35:14.360 --> 0:35:17.560
<v Speaker 2>I just I still feel like I'm not doing right

0:35:17.640 --> 0:35:19.160
<v Speaker 2>by my retirement plan.

0:35:20.040 --> 0:35:22.959
<v Speaker 1>And so one of my that's one of my.

0:35:22.880 --> 0:35:26.760
<v Speaker 2>Big goals, is to one really feel comfortable like and like, Okay,

0:35:26.800 --> 0:35:29.719
<v Speaker 2>this is my clear retirement plan. This is how much

0:35:29.920 --> 0:35:32.000
<v Speaker 2>I'm going to have by this date, and you know,

0:35:32.320 --> 0:35:34.320
<v Speaker 2>because right now I just feel like I'm throwing money

0:35:34.320 --> 0:35:36.360
<v Speaker 2>in there and I'm like, I don't know what's happening.

0:35:36.400 --> 0:35:39.560
<v Speaker 2>I'm just making money as a budgetista. But I feel

0:35:39.560 --> 0:35:41.760
<v Speaker 2>like on the back end, I'm not quite as secure,

0:35:41.840 --> 0:35:44.480
<v Speaker 2>like I'm good at savings, yes, and you know, we

0:35:44.680 --> 0:35:47.839
<v Speaker 2>invested by purchasing you know, our house in the way

0:35:47.880 --> 0:35:50.880
<v Speaker 2>that we did, but I don't feel like I'm solid

0:35:50.920 --> 0:35:55.799
<v Speaker 2>in my retirement planning. And two, I I've already had

0:35:55.800 --> 0:35:58.520
<v Speaker 2>like to talk with my parents, but I really want

0:35:58.560 --> 0:35:59.600
<v Speaker 2>to sit down and like.

0:36:01.040 --> 0:36:02.160
<v Speaker 1>Make sure that.

0:36:02.040 --> 0:36:05.160
<v Speaker 2>There you know that their will is where it's supposed

0:36:05.160 --> 0:36:08.120
<v Speaker 2>to be, and you know their long term health care

0:36:08.160 --> 0:36:11.080
<v Speaker 2>plans they're supposed to be. So thankfully we're in a

0:36:11.120 --> 0:36:14.480
<v Speaker 2>space where, you know, after talking with them for like

0:36:14.480 --> 0:36:16.920
<v Speaker 2>like about a year, they're really comfortable. They're like, yes,

0:36:17.280 --> 0:36:18.840
<v Speaker 2>So a friend of mine who's a lawyer and she

0:36:18.920 --> 0:36:19.480
<v Speaker 2>does this.

0:36:19.440 --> 0:36:24.040
<v Speaker 1>Is actually gonna come. I'm hoping by the beginning of February.

0:36:24.040 --> 0:36:26.439
<v Speaker 2>That's why I asked her, and she's going to sit

0:36:26.440 --> 0:36:28.319
<v Speaker 2>down with my parents and start the process of just

0:36:28.320 --> 0:36:33.279
<v Speaker 2>having these things together. My dad had a really bad

0:36:33.320 --> 0:36:35.560
<v Speaker 2>cough the other day and it wasn't anything because crazy,

0:36:35.640 --> 0:36:38.719
<v Speaker 2>But my dad has never been like he's not. He

0:36:38.760 --> 0:36:41.680
<v Speaker 2>doesn't have high blood pressure, he doesn't have diabetes, he

0:36:41.719 --> 0:36:45.359
<v Speaker 2>doesn't like the stuff that plagues older people. My dad's

0:36:45.360 --> 0:36:47.360
<v Speaker 2>in his seventies, does not plague and he plays tennis

0:36:47.360 --> 0:36:49.560
<v Speaker 2>three times a week. I mean, I didn't even know

0:36:49.560 --> 0:36:51.160
<v Speaker 2>what wheat bread was when I was a kid, but

0:36:51.200 --> 0:36:52.920
<v Speaker 2>we just knew Daddy ate brown bread. That's what I

0:36:52.960 --> 0:36:57.840
<v Speaker 2>used to call it, like, eh, brown bread. He's always

0:36:57.840 --> 0:36:59.200
<v Speaker 2>been really, really healthy, so.

0:36:59.239 --> 0:37:01.479
<v Speaker 1>When he had a call old. We were all like, wait,

0:37:02.040 --> 0:37:05.279
<v Speaker 1>why is daddy coughing? No. Meanwhile, the doctor was like,

0:37:05.560 --> 0:37:07.640
<v Speaker 1>you know, we poor man. We took that man to

0:37:07.680 --> 0:37:13.040
<v Speaker 1>the murderer. Your doctor, no im because we have never

0:37:13.120 --> 0:37:15.239
<v Speaker 1>when I I'm never. I was like, we were like,

0:37:15.239 --> 0:37:18.160
<v Speaker 1>we don't know what's wrong. They were like, he has

0:37:18.200 --> 0:37:22.040
<v Speaker 1>a cold. He's gonna be fine. My dad was not

0:37:22.280 --> 0:37:24.520
<v Speaker 1>happy with us, Like I told you, I was fine.

0:37:24.560 --> 0:37:27.200
<v Speaker 1>I was like, but that we definite see you sick.

0:37:28.760 --> 0:37:31.040
<v Speaker 1>And so yeah, he's more than fine. He had a cold.

0:37:31.040 --> 0:37:33.759
<v Speaker 2>They literally gave him like flow naise and like he's

0:37:33.800 --> 0:37:36.040
<v Speaker 2>like allergies and a cold, flow naise and like us next.

0:37:36.080 --> 0:37:39.200
<v Speaker 1>And I was like, oh god, I know.

0:37:40.120 --> 0:37:41.759
<v Speaker 2>But what it made me think of though, because like

0:37:41.800 --> 0:37:43.480
<v Speaker 2>I said, you know, my dad's in the mid seventies.

0:37:43.520 --> 0:37:45.799
<v Speaker 2>What it made me think of is that are we

0:37:46.120 --> 0:37:49.239
<v Speaker 2>you know, prepared prepared? You know, like I said, he's

0:37:49.239 --> 0:37:51.799
<v Speaker 2>in really good health. And you know, the doctor was

0:37:51.800 --> 0:37:53.080
<v Speaker 2>like because I was like, oh, but he's getting a

0:37:53.080 --> 0:37:55.319
<v Speaker 2>little skinny and my dad's like my doctor was like,

0:37:55.440 --> 0:37:58.400
<v Speaker 2>when's the last time you saw an obese.

0:37:57.960 --> 0:38:00.600
<v Speaker 1>You know, eighty year old. No. I was like, hmm,

0:38:00.800 --> 0:38:01.440
<v Speaker 1>this is true.

0:38:02.200 --> 0:38:04.360
<v Speaker 2>He was like, people get a little CLIBBERTI but he's fine.

0:38:04.560 --> 0:38:08.319
<v Speaker 2>He plays tennis, he's healthy, he's happy, nothing's wrong. But

0:38:08.360 --> 0:38:10.799
<v Speaker 2>it did make me think about the future. So I'm

0:38:10.840 --> 0:38:13.680
<v Speaker 2>having my attorney and my friend Tony come and drop

0:38:13.760 --> 0:38:14.080
<v Speaker 2>some paper.

0:38:14.120 --> 0:38:15.319
<v Speaker 1>So that's like a big goal for me.

0:38:15.520 --> 0:38:18.200
<v Speaker 2>I've really been thinking about like future planning and future

0:38:18.239 --> 0:38:22.680
<v Speaker 2>planning for my family, like myself, my husband, a bonus

0:38:22.840 --> 0:38:26.480
<v Speaker 2>bonus daughter, and then also planning for like my parents

0:38:26.480 --> 0:38:29.840
<v Speaker 2>and making sure that like their wishes are fully expressive.

0:38:29.880 --> 0:38:31.799
<v Speaker 1>We all know what that is, so that those are like,

0:38:31.840 --> 0:38:33.840
<v Speaker 1>really my big main goals for twenty nineteen.

0:38:36.120 --> 0:38:39.440
<v Speaker 2>Stop harassing my poor father, Yo, you have no idea.

0:38:39.440 --> 0:38:44.280
<v Speaker 2>When they when they told us flown AI's and mucinex,

0:38:44.960 --> 0:38:45.800
<v Speaker 2>the look he gave.

0:38:45.719 --> 0:38:49.120
<v Speaker 3>I was like, They're like, thank you for giving us

0:38:49.120 --> 0:38:52.880
<v Speaker 3>an opportunity to bill your insurance multiple thousands of dollars.

0:38:53.480 --> 0:38:55.480
<v Speaker 1>I know, I was like, yikes.

0:38:55.520 --> 0:38:56.920
<v Speaker 2>If I was like, darn it, if my dad ever

0:38:56.920 --> 0:38:58.440
<v Speaker 2>really gets sick, he's never gonna want to go to

0:38:58.480 --> 0:38:59.040
<v Speaker 2>the hospital.

0:39:00.840 --> 0:39:02.680
<v Speaker 1>But still I had to. We had ten now.

0:39:03.560 --> 0:39:04.920
<v Speaker 2>But it's just good to know that, like he's in

0:39:05.000 --> 0:39:07.040
<v Speaker 2>great health, and it just goes to show you when

0:39:07.080 --> 0:39:09.319
<v Speaker 2>you take care of yourself, you know, you know, if

0:39:09.360 --> 0:39:12.480
<v Speaker 2>you're fortunate enough to live this to be a little older,

0:39:12.520 --> 0:39:13.960
<v Speaker 2>that your body will take care of you.

0:39:14.920 --> 0:39:17.440
<v Speaker 3>Yeah, we should set some brown ambition goals.

0:39:18.000 --> 0:39:18.720
<v Speaker 1>Yeah we should.

0:39:18.840 --> 0:39:20.600
<v Speaker 3>I mean I think we need to be at Essence

0:39:20.640 --> 0:39:23.120
<v Speaker 3>Fest recording this year. You always go without me because

0:39:23.160 --> 0:39:25.400
<v Speaker 3>I always forget until it's like the week of essence

0:39:25.400 --> 0:39:27.680
<v Speaker 3>Fest and you're like brown boosts and going to essence Fest.

0:39:29.200 --> 0:39:31.280
<v Speaker 2>But you know what to be all the way, honest,

0:39:31.640 --> 0:39:33.840
<v Speaker 2>essence is extra brown.

0:39:34.560 --> 0:39:36.480
<v Speaker 1>And usually they're like, what are you doing tomorrow? I'm like,

0:39:36.600 --> 0:39:37.480
<v Speaker 1>essence Fest, don't do this.

0:39:37.520 --> 0:39:43.160
<v Speaker 2>They're like, hopefully so we Yeah, so, I mean definitely

0:39:43.560 --> 0:39:45.400
<v Speaker 2>we're gonna work. Like you know, Dreina, I've got the

0:39:45.400 --> 0:39:48.439
<v Speaker 2>best publicist in the world, but every year she does

0:39:48.560 --> 0:39:51.400
<v Speaker 2>definitely does push early, and it's always me.

0:39:51.560 --> 0:39:54.400
<v Speaker 1>I don't know, I don't know that it's like side come.

0:39:55.680 --> 0:39:58.719
<v Speaker 2>So hopefully we'll get like a little bit more notice.

0:39:59.000 --> 0:40:00.640
<v Speaker 2>Well maybe we'll be able to go like a with

0:40:00.719 --> 0:40:02.759
<v Speaker 2>a brand who's already going to be there, So.

0:40:02.760 --> 0:40:04.680
<v Speaker 1>We'll we'll work. We'll work both angles.

0:40:04.680 --> 0:40:06.440
<v Speaker 3>Oh yeah, I don't need like an invitation I'll just

0:40:06.440 --> 0:40:08.040
<v Speaker 3>show up. All we need is, like, you know, a

0:40:08.080 --> 0:40:10.800
<v Speaker 3>mic and a computer. We can just hang outside the

0:40:10.880 --> 0:40:12.799
<v Speaker 3>front entrance and just pull people in. I'll be like

0:40:12.800 --> 0:40:16.840
<v Speaker 3>Oprah Gale, turn down Ambition. What can go wrong? What

0:40:16.960 --> 0:40:17.439
<v Speaker 3>can go wrong?

0:40:20.040 --> 0:40:22.279
<v Speaker 1>Yeah? So are we good on questions?

0:40:22.400 --> 0:40:22.600
<v Speaker 2>Hey?

0:40:22.640 --> 0:40:25.520
<v Speaker 1>Guys, did I forget ask your questions? Please? We love

0:40:25.560 --> 0:40:26.239
<v Speaker 1>your questions.

0:40:26.360 --> 0:40:28.560
<v Speaker 3>Go ahead and email us at Brown Ambition Podcast at

0:40:28.560 --> 0:40:31.000
<v Speaker 3>gmail dot com. You can also send us a message

0:40:31.040 --> 0:40:34.359
<v Speaker 3>on Facebook, on Instagram, on Twitter. We're at the BA

0:40:34.440 --> 0:40:37.359
<v Speaker 3>podcast on Twitter and Brown Ambition on Facebook.

0:40:38.000 --> 0:40:45.080
<v Speaker 2>Yes, now it's time for a booster break or booster break.

0:40:46.719 --> 0:40:50.239
<v Speaker 2>I'm gonna go first, and I'm going to take a break.

0:40:51.000 --> 0:40:53.480
<v Speaker 2>Have you seen I mean everyone's talking about it on

0:40:53.560 --> 0:40:54.520
<v Speaker 2>the instagrams?

0:40:55.400 --> 0:40:59.160
<v Speaker 1>The fire Festival? Oh document, which one? So?

0:40:59.239 --> 0:41:02.160
<v Speaker 3>Yes, I've watched the one and I've yeah, I died

0:41:02.200 --> 0:41:03.120
<v Speaker 3>it was so funny.

0:41:03.360 --> 0:41:06.320
<v Speaker 1>You if you've watched the Hulu you will love the Netflix.

0:41:06.560 --> 0:41:07.040
<v Speaker 1>Watch both.

0:41:07.280 --> 0:41:08.920
<v Speaker 3>That's what I've heard. The Netflix one's supposed to be

0:41:08.920 --> 0:41:09.439
<v Speaker 3>really good.

0:41:09.960 --> 0:41:12.680
<v Speaker 2>Yeah, it is beyond And I don't even know if

0:41:12.719 --> 0:41:14.360
<v Speaker 2>I want to break it or boost it.

0:41:14.360 --> 0:41:16.480
<v Speaker 3>I don't know either way, you want to like boost

0:41:16.800 --> 0:41:20.000
<v Speaker 3>the you want to like boost the poor people who

0:41:20.040 --> 0:41:23.279
<v Speaker 3>were you know, the poor local Bahamians who were you know,

0:41:23.840 --> 0:41:26.280
<v Speaker 3>left it broke by this whole festival, and then.

0:41:26.160 --> 0:41:28.080
<v Speaker 2>Like and poor not asn't poor as in like this

0:41:28.200 --> 0:41:30.360
<v Speaker 2>in case they all start reading, that's like not poor,

0:41:30.400 --> 0:41:33.040
<v Speaker 2>like no money poor poor, like this is an unfortunate

0:41:33.080 --> 0:41:34.120
<v Speaker 2>thing that happened to them poor.

0:41:34.239 --> 0:41:36.600
<v Speaker 3>Just to be clear, money many people lost lots of

0:41:36.640 --> 0:41:39.919
<v Speaker 3>money like I had. I heard one restaurant owner lost

0:41:40.000 --> 0:41:41.960
<v Speaker 3>like tens of thousands of dollars, Like she took it

0:41:41.960 --> 0:41:44.399
<v Speaker 3>out of her Yeah, out of her own nest egg.

0:41:44.440 --> 0:41:47.880
<v Speaker 3>I'm totally just stomping all over your boost. Sorry, I'll stop.

0:41:48.800 --> 0:41:50.920
<v Speaker 1>No, it's no, no, you're right no, but the thank goodness.

0:41:50.920 --> 0:41:52.920
<v Speaker 2>So they had her do an actual go fund me

0:41:53.040 --> 0:41:54.359
<v Speaker 2>go fund me that they're going to work to make

0:41:54.360 --> 0:41:56.040
<v Speaker 2>sure it's really herd, that she's going to get it.

0:41:56.239 --> 0:41:58.120
<v Speaker 2>Last time I checked it was upward. It was up

0:41:58.160 --> 0:42:01.239
<v Speaker 2>to one fifty, but she put up fifty thousand. So

0:42:01.600 --> 0:42:03.440
<v Speaker 2>for those of you who haven't watched, the Fire Festival

0:42:03.560 --> 0:42:06.160
<v Speaker 2>was supposed to be this big, huge music so think Coachella,

0:42:06.239 --> 0:42:09.520
<v Speaker 2>but upscale. It was supposed to take place in the Bahamas.

0:42:09.520 --> 0:42:12.560
<v Speaker 2>But there's a scam artist named Billy.

0:42:14.080 --> 0:42:18.240
<v Speaker 1>I forget his last name, but anyway, he and jar Rule, which.

0:42:18.040 --> 0:42:20.520
<v Speaker 3>Is how random I know hip hop mogul.

0:42:22.160 --> 0:42:25.759
<v Speaker 2>Mogul is a stretch we'll just say former hip hop

0:42:25.840 --> 0:42:27.160
<v Speaker 2>rapper or hip hop star.

0:42:28.160 --> 0:42:31.120
<v Speaker 1>So they got together and well, what was I didn't

0:42:31.120 --> 0:42:31.319
<v Speaker 1>know this.

0:42:31.400 --> 0:42:35.920
<v Speaker 2>Originally Fire was an app so you can book like

0:42:36.760 --> 0:42:41.240
<v Speaker 2>just like musical acts, and they wanted to promote the app,

0:42:41.440 --> 0:42:45.360
<v Speaker 2>and someone suggested a festival, so they decided to have

0:42:45.400 --> 0:42:46.040
<v Speaker 2>it in the Bahamas.

0:42:46.080 --> 0:42:47.960
<v Speaker 1>But from the very beginning it was clear that it

0:42:48.000 --> 0:42:48.520
<v Speaker 1>was a scam.

0:42:48.680 --> 0:42:52.799
<v Speaker 2>So apparently this Billy guy is a master scammer that

0:42:52.840 --> 0:42:55.560
<v Speaker 2>he's been scamming his whole life. And I don't think

0:42:55.560 --> 0:42:57.600
<v Speaker 2>he thought that it would go as big because normally

0:42:57.600 --> 0:43:00.440
<v Speaker 2>what he did would was that he scam and be

0:43:00.480 --> 0:43:02.160
<v Speaker 2>able to easily keep the money because there was no

0:43:02.200 --> 0:43:05.120
<v Speaker 2>real recourse. But this grew so big, so many people

0:43:05.160 --> 0:43:07.760
<v Speaker 2>wanted to go to the Fire festival that they paid

0:43:07.800 --> 0:43:10.520
<v Speaker 2>a ton of money, and it just grew, and because

0:43:10.560 --> 0:43:12.719
<v Speaker 2>of social media and people, you know, he had people

0:43:12.719 --> 0:43:17.160
<v Speaker 2>come to other countries and so he got investors involved,

0:43:17.160 --> 0:43:20.959
<v Speaker 2>and he was like forging wire transfers to tell people

0:43:21.000 --> 0:43:22.600
<v Speaker 2>that they were he sent the money. It was just

0:43:22.640 --> 0:43:24.719
<v Speaker 2>a whole bunch of stuff that he did. And so

0:43:24.760 --> 0:43:27.560
<v Speaker 2>he's now saving serving six years in federal prison as

0:43:27.560 --> 0:43:32.160
<v Speaker 2>he should, if not longer. And yeah, so many people

0:43:32.800 --> 0:43:35.120
<v Speaker 2>lost a ton of money or didn't get paid at all.

0:43:35.880 --> 0:43:37.960
<v Speaker 2>But what it really was interesting was to see the

0:43:38.000 --> 0:43:41.000
<v Speaker 2>power of social media and influencers, because that's why so

0:43:41.040 --> 0:43:44.879
<v Speaker 2>many people like Kendall Jenner posted about fire, all these

0:43:44.880 --> 0:43:48.239
<v Speaker 2>models posted about fire, and as a result, you know,

0:43:48.320 --> 0:43:48.880
<v Speaker 2>it made.

0:43:48.800 --> 0:43:50.239
<v Speaker 1>Like, you know, all these people want to go.

0:43:50.440 --> 0:43:54.160
<v Speaker 2>But it's a really good like I would say, if

0:43:54.200 --> 0:43:56.760
<v Speaker 2>it was me, I would say, hmm, watch the Hulu

0:43:56.800 --> 0:44:00.160
<v Speaker 2>one first, because well maybe it depends because and the

0:44:00.200 --> 0:44:02.080
<v Speaker 2>Holy one you get to really see how crazy this

0:44:02.160 --> 0:44:02.600
<v Speaker 2>guy is.

0:44:02.800 --> 0:44:04.319
<v Speaker 1>But in the Netflix one, it is.

0:44:04.280 --> 0:44:07.840
<v Speaker 2>Both hilarious and ghastly.

0:44:08.000 --> 0:44:10.600
<v Speaker 1>It's they're both really good though, But I definitely spent like.

0:44:10.560 --> 0:44:13.200
<v Speaker 2>Two nights watching it, and I was just like, Wow,

0:44:13.480 --> 0:44:16.799
<v Speaker 2>the audacity, the unmitigated goal of this guy.

0:44:16.880 --> 0:44:19.799
<v Speaker 1>And then even after that, Mandy, even.

0:44:19.840 --> 0:44:23.880
<v Speaker 2>After that he was out on bail and started a

0:44:23.920 --> 0:44:26.000
<v Speaker 2>new scam while on bail.

0:44:26.960 --> 0:44:29.279
<v Speaker 3>That kind of is like a pathological liar. He needs

0:44:29.280 --> 0:44:30.240
<v Speaker 3>to be in jail forever.

0:44:30.760 --> 0:44:32.719
<v Speaker 2>Yeah, and that's what they said, that they're a psychologist,

0:44:32.760 --> 0:44:34.920
<v Speaker 2>was like, you know, he's someone who will always be scamming.

0:44:34.960 --> 0:44:35.839
<v Speaker 1>It's just part of him.

0:44:36.239 --> 0:44:37.880
<v Speaker 2>And so yeah, it was, like I said, it was

0:44:37.960 --> 0:44:40.040
<v Speaker 2>really good. So it's kind of like a boost break.

0:44:40.040 --> 0:44:43.360
<v Speaker 2>It was like, there were really interesting documentaries and everyone's

0:44:43.400 --> 0:44:44.120
<v Speaker 2>been talking about it.

0:44:44.160 --> 0:44:46.160
<v Speaker 1>So I definitely highly recommend them both.

0:44:47.160 --> 0:44:51.439
<v Speaker 3>Highly recommend yeah to do i'mb you say you're gonna

0:44:51.440 --> 0:44:53.400
<v Speaker 3>boost a break, I'm gonna do it. I'm gonna do

0:44:53.520 --> 0:44:55.799
<v Speaker 3>a break and a boost. So the break, I mean,

0:44:55.840 --> 0:44:57.479
<v Speaker 3>it's a break and a boost at the same time.

0:44:57.800 --> 0:45:00.399
<v Speaker 3>But I I've been living under a rock. And there's

0:45:00.440 --> 0:45:05.440
<v Speaker 3>this reporter in Mississippi, Jackson, Mississippi, who she claims was

0:45:05.480 --> 0:45:08.440
<v Speaker 3>told her natural hair was unprofessional she was wearing. She

0:45:08.480 --> 0:45:11.080
<v Speaker 3>started wearing her hair natural on the air and her

0:45:11.120 --> 0:45:13.520
<v Speaker 3>news director pulled her aside and said that it was unprofessional,

0:45:13.600 --> 0:45:15.920
<v Speaker 3>aster to change it back, and then later on she

0:45:16.040 --> 0:45:18.040
<v Speaker 3>was fired. And I'm brushing up on the details of

0:45:18.080 --> 0:45:20.120
<v Speaker 3>the story, but it sounds like she's fouled a complaint

0:45:20.239 --> 0:45:26.760
<v Speaker 3>with the EEOC. What does that stanforget? Equal Employment Opportunity Commission.

0:45:27.400 --> 0:45:31.600
<v Speaker 3>Okay EEOC, But anyhow, EEOC handles a lot of workplace

0:45:32.960 --> 0:45:36.440
<v Speaker 3>litigation fouled by employees who have been wronged on you know,

0:45:37.120 --> 0:45:41.959
<v Speaker 3>matters of inequality, so gender discrimination, race discrimination. So yeah,

0:45:41.960 --> 0:45:44.960
<v Speaker 3>this story is really, uh, really shocking. I think it's

0:45:44.960 --> 0:45:46.960
<v Speaker 3>not unusual because we've seen in the news lately, like

0:45:47.160 --> 0:45:49.319
<v Speaker 3>you know, if you're a news reporter and a black

0:45:49.360 --> 0:45:51.400
<v Speaker 3>woman as a news reporter, if you wear your her

0:45:51.520 --> 0:45:54.480
<v Speaker 3>natural like, we've seen women get called out by callers,

0:45:54.560 --> 0:45:56.959
<v Speaker 3>like to the show. There was that one viral clip

0:45:57.000 --> 0:46:01.160
<v Speaker 3>of some like a voicemail that some uh news viewer

0:46:01.320 --> 0:46:03.759
<v Speaker 3>like left this poor reporter because you changed her hair.

0:46:04.040 --> 0:46:07.240
<v Speaker 3>That was really racist, and people will flood the comments

0:46:07.280 --> 0:46:09.120
<v Speaker 3>and leave for you know, racist remarks or whatever. I

0:46:09.200 --> 0:46:10.880
<v Speaker 3>used to do videos at Yahoo, and when I started

0:46:10.880 --> 0:46:14.040
<v Speaker 3>transitioning my hair, you get like hair comments in the

0:46:14.600 --> 0:46:17.160
<v Speaker 3>in the comments. Yeah, it was just like par for

0:46:17.200 --> 0:46:20.000
<v Speaker 3>the course. However, like to actually get fired, I thought

0:46:20.000 --> 0:46:23.319
<v Speaker 3>we were just beyond this. So it's just shocking to

0:46:23.360 --> 0:46:25.319
<v Speaker 3>me to hear if these allegations are true that she

0:46:25.400 --> 0:46:27.880
<v Speaker 3>might have been let go because of her appearance, and

0:46:27.920 --> 0:46:31.160
<v Speaker 3>if her natural hair played a role in it, and

0:46:31.200 --> 0:46:33.080
<v Speaker 3>she talks about how when she was hired, you know,

0:46:33.160 --> 0:46:35.200
<v Speaker 3>she was wearing her hair straight and pressing it with

0:46:35.280 --> 0:46:37.080
<v Speaker 3>flat iron, and you know what it takes, we all know,

0:46:37.520 --> 0:46:39.759
<v Speaker 3>burning your hair to no end to get it to

0:46:39.800 --> 0:46:44.080
<v Speaker 3>lay flat, and how you know, changing it halfway into

0:46:44.120 --> 0:46:46.680
<v Speaker 3>her role or however long it was, you know, to

0:46:46.760 --> 0:46:50.399
<v Speaker 3>have that pushback from her manager. Like I just yeah,

0:46:50.640 --> 0:46:56.200
<v Speaker 3>it's like some it's like some traditional corporate environments. It's

0:46:56.200 --> 0:47:00.399
<v Speaker 3>still like you're stuck in nineteen, you know, fifteen, which

0:47:00.440 --> 0:47:02.960
<v Speaker 3>is just super super sad. But she's getting a lot

0:47:02.960 --> 0:47:05.520
<v Speaker 3>of attention. So hopefully something good comes of it.

0:47:05.800 --> 0:47:09.320
<v Speaker 1>Yeah, hopefully that would be honestly, yeah, because.

0:47:10.719 --> 0:47:14.919
<v Speaker 2>I just yea, it's just unfortunate, and I just can't

0:47:14.960 --> 0:47:17.040
<v Speaker 2>imagine because, like you said, I need too Like I

0:47:17.080 --> 0:47:19.480
<v Speaker 2>you know, when I taught preschool, I had a fro

0:47:19.640 --> 0:47:22.040
<v Speaker 2>or once I'm like a little Michael Jackson afro. But

0:47:22.080 --> 0:47:24.279
<v Speaker 2>I was teaching preschool, no one was like hey, you know,

0:47:25.360 --> 0:47:28.000
<v Speaker 2>and then after that the fro, I had twists, I

0:47:28.040 --> 0:47:30.719
<v Speaker 2>had braids. But as a teacher, especially of little ones,

0:47:30.760 --> 0:47:34.000
<v Speaker 2>no one, and plus I taught in Newark, where you

0:47:34.000 --> 0:47:36.040
<v Speaker 2>know the majority of the kids look like me, so

0:47:36.880 --> 0:47:39.040
<v Speaker 2>parents weren't like, hey, what's that hair?

0:47:39.120 --> 0:47:40.880
<v Speaker 1>It's like you have the same hair as me, you know.

0:47:41.080 --> 0:47:43.600
<v Speaker 2>So then I became you know, I started a budgetista

0:47:43.680 --> 0:47:46.200
<v Speaker 2>where I could do whatever, but I mean to be

0:47:46.400 --> 0:47:49.799
<v Speaker 2>all the way honest. I'm thinking to myself, if like

0:47:50.080 --> 0:47:52.360
<v Speaker 2>my locks the way they are now, you know, they

0:47:52.480 --> 0:47:56.120
<v Speaker 2>lay quote unquote neat, you know, so I don't know

0:47:56.160 --> 0:47:59.200
<v Speaker 2>that I would be on TV with the fro, you

0:47:59.239 --> 0:48:00.920
<v Speaker 2>know what I mean, like like the real and like

0:48:00.920 --> 0:48:02.600
<v Speaker 2>the news and stuff that I don't know they would

0:48:03.120 --> 0:48:05.080
<v Speaker 2>they would accept me or allow me to be on

0:48:05.120 --> 0:48:07.440
<v Speaker 2>if I really think about it, Like I'm wearing my

0:48:07.480 --> 0:48:09.200
<v Speaker 2>locks the way I'm wearing them now because I like them.

0:48:09.480 --> 0:48:12.200
<v Speaker 1>But you know, I mean I realize now that like you.

0:48:12.160 --> 0:48:16.000
<v Speaker 2>Know, it's it's in alignment what with like you know what,

0:48:16.080 --> 0:48:18.600
<v Speaker 2>even though their locks they look really neat. I've heard

0:48:18.600 --> 0:48:21.000
<v Speaker 2>people say that like, oh my gosh, like you hair

0:48:21.040 --> 0:48:24.040
<v Speaker 2>are locks, but they're really neat, And I'm like, and

0:48:24.360 --> 0:48:26.719
<v Speaker 2>you know, it's almost like code for they almost look

0:48:26.760 --> 0:48:27.959
<v Speaker 2>like regular hair, you.

0:48:27.840 --> 0:48:31.000
<v Speaker 1>Know, pretty good for black hair exactly.

0:48:31.200 --> 0:48:32.720
<v Speaker 3>So the coded language.

0:48:32.800 --> 0:48:37.080
<v Speaker 2>Yeah, I mean it is and it's hard, because yeah,

0:48:37.400 --> 0:48:38.040
<v Speaker 2>it's hard.

0:48:38.760 --> 0:48:39.040
<v Speaker 1>It is.

0:48:39.080 --> 0:48:40.960
<v Speaker 3>But I'll tell you one thing. You know, put me

0:48:41.000 --> 0:48:42.760
<v Speaker 3>in the place of her news director, and it wouldn't

0:48:42.760 --> 0:48:45.399
<v Speaker 3>have been an issue. Like, we need people who look

0:48:45.520 --> 0:48:48.160
<v Speaker 3>like us and go, you know, identify with us to

0:48:48.200 --> 0:48:50.720
<v Speaker 3>be in places of power, because then it becomes normal.

0:48:50.960 --> 0:48:54.680
<v Speaker 3>It's unusual because and I'm not saying that we shouldn't

0:48:54.760 --> 0:48:57.000
<v Speaker 3>have white people in leadership roles, like that's not at

0:48:57.000 --> 0:48:58.520
<v Speaker 3>all what I'm saying. I don't want to be misconmistry,

0:48:58.560 --> 0:49:00.719
<v Speaker 3>but we need to have more people sitting around the

0:49:00.719 --> 0:49:02.560
<v Speaker 3>table having those types of conversations.

0:49:03.040 --> 0:49:05.919
<v Speaker 2>Yeah, because people like you said, it must be really

0:49:05.960 --> 0:49:08.040
<v Speaker 2>hard to walk the line when you're like, okay, so

0:49:08.560 --> 0:49:09.759
<v Speaker 2>this is what she means by that.

0:49:09.800 --> 0:49:12.040
<v Speaker 1>Okay, So but it's also good.

0:49:11.800 --> 0:49:14.920
<v Speaker 2>Because I mean, I don't believe, I don't believe in coincidences,

0:49:14.920 --> 0:49:15.680
<v Speaker 2>and that you.

0:49:15.640 --> 0:49:17.960
<v Speaker 1>Know who you are, who you came from.

0:49:18.080 --> 0:49:20.719
<v Speaker 2>All of those things are critical components of where you

0:49:20.760 --> 0:49:22.920
<v Speaker 2>are now and your ability to be where you are

0:49:22.960 --> 0:49:26.480
<v Speaker 2>because one, you know, like people can just look at

0:49:26.480 --> 0:49:28.200
<v Speaker 2>you and be like, oh wow, man, it's in a

0:49:28.200 --> 0:49:29.000
<v Speaker 2>position to power.

0:49:29.080 --> 0:49:31.680
<v Speaker 1>And she wears her hair like big and beautiful.

0:49:31.680 --> 0:49:34.200
<v Speaker 3>They don't always say that I will tell you people,

0:49:34.360 --> 0:49:36.560
<v Speaker 3>but I will I will say one thing that I've

0:49:36.560 --> 0:49:38.720
<v Speaker 3>struggled with. I haven't really struggled with anything on my team,

0:49:38.719 --> 0:49:41.400
<v Speaker 3>but I do get people don't assume that I'm the

0:49:41.440 --> 0:49:45.160
<v Speaker 3>boss sometimes and it's not like I let it bother me,

0:49:45.200 --> 0:49:50.040
<v Speaker 3>but it does happen. I noticed the front desk person

0:49:50.280 --> 0:49:52.920
<v Speaker 3>there was a new one recently, and she made a

0:49:52.920 --> 0:49:55.160
<v Speaker 3>comment that led me to believe that, oh, she doesn't

0:49:55.160 --> 0:49:57.000
<v Speaker 3>know that I run the whole team, you know, And

0:49:57.080 --> 0:49:59.120
<v Speaker 3>it's it's just interesting. You have to kind of clock

0:49:59.200 --> 0:50:03.359
<v Speaker 3>those types of assumptions. It's it's like it's the same

0:50:03.400 --> 0:50:05.040
<v Speaker 3>thing like if a black woman tells you she's going

0:50:05.120 --> 0:50:07.879
<v Speaker 3>to be a character in a movie and she wants

0:50:07.880 --> 0:50:09.160
<v Speaker 3>you to guess who she's going to be, a lot

0:50:09.160 --> 0:50:11.000
<v Speaker 3>of times people might guess like, oh, you're the villain,

0:50:11.120 --> 0:50:13.080
<v Speaker 3>or oh you're the you know, you're like the rookie

0:50:13.160 --> 0:50:15.360
<v Speaker 3>or whatever. Would you guess that they're the main character

0:50:15.440 --> 0:50:18.080
<v Speaker 3>of the movie, like the lead in the film. Yeah,

0:50:18.120 --> 0:50:19.920
<v Speaker 3>it's just just interesting.

0:50:20.440 --> 0:50:28.319
<v Speaker 1>Yeah, it's very very very fascinating. That's code for it

0:50:28.320 --> 0:50:29.520
<v Speaker 1>gets on my freaking.

0:50:29.280 --> 0:50:32.600
<v Speaker 3>Mare sometimes sometimes.

0:50:33.160 --> 0:50:38.239
<v Speaker 1>No, this has been awesome though, but yeah, well one

0:50:38.360 --> 0:50:40.520
<v Speaker 1>last little boost. Did I talk about really want to

0:50:40.560 --> 0:50:42.920
<v Speaker 1>see that movie Little with Marseilles.

0:50:43.440 --> 0:50:47.800
<v Speaker 2>Yes, first of all, Marseille Martin.

0:50:47.960 --> 0:50:50.680
<v Speaker 1>Right, it's a ray and is a Virginia King.

0:50:51.320 --> 0:50:51.680
<v Speaker 3>No, no, no.

0:50:54.160 --> 0:50:57.000
<v Speaker 1>It's Regina. I don't kill me black people.

0:51:00.000 --> 0:51:05.000
<v Speaker 3>I'm gonna claim fifty percent white right now. I'm leaving

0:51:05.040 --> 0:51:10.160
<v Speaker 3>you under the under the bus. Bye, I forget.

0:51:10.719 --> 0:51:15.239
<v Speaker 1>Oh man, I'm like, it's the other Regina. Don't kill me,

0:51:15.280 --> 0:51:16.759
<v Speaker 1>I know, just take my black card right now.

0:51:16.920 --> 0:51:20.120
<v Speaker 3>Regina Hall, Regina Hall, you know, Okay, okay.

0:51:19.960 --> 0:51:21.400
<v Speaker 2>You see you brought it back in. You brought it

0:51:21.480 --> 0:51:24.200
<v Speaker 2>back in. So yeah, so that's just it just looks

0:51:24.200 --> 0:51:25.719
<v Speaker 2>like a dope movie. And I just love all that

0:51:25.719 --> 0:51:27.520
<v Speaker 2>black girl magic. So that's a nice little boost.

0:51:28.040 --> 0:51:30.560
<v Speaker 3>I love it. Yeah, it looks really cute. I'll definitely

0:51:30.560 --> 0:51:32.080
<v Speaker 3>see it.

0:51:32.520 --> 0:51:35.400
<v Speaker 1>Ten husband, Wow, we went from everywhere. Isn't that so crazy?

0:51:35.440 --> 0:51:41.440
<v Speaker 2>I went from overwhelmy, so like, I swear, now I

0:51:41.480 --> 0:51:42.520
<v Speaker 2>got to take another shot.

0:51:42.640 --> 0:51:43.200
<v Speaker 1>I'm like, I.

0:51:43.160 --> 0:51:46.359
<v Speaker 3>Can't, man, I can do this for the twyms tip.

0:51:47.480 --> 0:51:49.440
<v Speaker 1>My emotions are all over the place.

0:51:49.480 --> 0:51:51.400
<v Speaker 2>It's it's the worst when you don't even know that

0:51:51.440 --> 0:51:53.520
<v Speaker 2>your emotions until you realize you're like, wait.

0:51:53.360 --> 0:51:56.880
<v Speaker 1>I'm not getting crazy. Oh okay, okay, okay.

0:51:57.440 --> 0:52:01.919
<v Speaker 3>So yeah, of course you are a vessel of life.

0:52:02.840 --> 0:52:04.040
<v Speaker 1>That's crazy.

0:52:05.120 --> 0:52:08.160
<v Speaker 3>Surround yourself in flowers and get it. Do a Beyonce

0:52:08.360 --> 0:52:09.560
<v Speaker 3>photo shoot or something.

0:52:09.520 --> 0:52:12.760
<v Speaker 1>Just like I haven't listened to a indie irey lately. Oh,