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Speaker 1: Talk Talk, talk to We're just two unapologetically black women

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Speaker 1: with an opinion to talk.

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Speaker 2: What's up, y'all? Thank you for tending in for a

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Speaker 2: new episode of We Talked Back, a show dedicated to

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Speaker 2: you naked, I mean you, what was that? And did

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Speaker 2: your co host AJ Holliday? What's up? Tom?

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Speaker 1: And it's dedicated to those blanks and everybody in between.

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Speaker 1: Hey gyll, Hey y'all. I love y'all once again this week,

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Speaker 1: I'm still coming with all the love.

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Speaker 2: How you doing, friends, I'm good. I met a couple, uh,

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Speaker 2: couple of beige guys this weekend, and I think that

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Speaker 2: maybe one might have listened to the show and he

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Speaker 2: curved me yesterday, So I mean yeah, so, but I'm

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Speaker 2: just saying maybe that maybe the intro scares people off,

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Speaker 2: because last night I was good, right, So fuck the period.

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Speaker 1: I can't Well, maybe we don't have to say to

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Speaker 1: niggas and hoes.

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Speaker 3: Maybe we could just say to ninjas and pros.

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Speaker 1: Ninjas and pros.

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Speaker 2: Yeah, so toutch your toes.

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Speaker 3: What you do this weekend besides meet some beige guys.

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Speaker 2: I was outside all weekend, like for real, outside.

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Speaker 3: Celebrating our wind. Yeah, celebrate your wins kind of.

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Speaker 2: I guess maybe that's what it was. I just started

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Speaker 2: wearing brunch every day and then then just didn't get

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Speaker 2: home till ten eleven o'clock at night, so brunch starts

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Speaker 2: at one time twelve. So I was doing twelve hour

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Speaker 2: shifts of ratchet shit this weekend. It was really fun, real,

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Speaker 2: real fun. You know, Charleston has a lot of nice places,

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Speaker 2: a lot of nice like rooftop bars, and it's always

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Speaker 2: sunny out and shit, and we got palm trees. I

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Speaker 2: just feel like niggas be hating because we got palm

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Speaker 2: trees and we got the beach and it just be nice.

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Speaker 2: All the Southern Charm characters are out this weekend too,

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Speaker 2: y'all know. We got the reality show in Charleston, Southern Charm,

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Speaker 2: that which highlights all the prominent elitists in the city,

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Speaker 2: you know, the slave owners descendants exactly, okay, and all

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Speaker 2: the generational wealth a couple of them. Not My favorite

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Speaker 2: character off that show is what's this girl's name? And

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Speaker 2: she was out as well. But she doesn't she didn't

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Speaker 2: come from money for real. She she's a she owns

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Speaker 2: the salon here now and I don't even think she

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Speaker 2: got the salon until she was on the show. Not Madelin.

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Speaker 2: I forgot her name anyway, she just got married, super

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Speaker 2: pretty white girl. But the rest of them follow Yeah,

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Speaker 2: the rest of them are mm hmm.

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Speaker 3: Said I stay home and cook meals for uh.

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Speaker 2: Uh, you was cooking for niggas this weekend.

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Speaker 1: Mm hmmm.

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Speaker 2: I hear that. You gotta you got a boyfriend.

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Speaker 1: Mm hmmm, a friend because I just had to let

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Speaker 1: these niggas know, you know, because they be thinking because

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Speaker 1: I make them take me to dinner all the time

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Speaker 1: that I don't know how to cook, but I can

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Speaker 1: get these pasta quaking what you cook? I had a

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Speaker 1: all right, So I made some steak, I made some rabbis,

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Speaker 1: and I made some lobster mac and cheese, and I

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Speaker 1: made some broccolini with some little honey. Honey but a

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Speaker 1: croissant's on ma sad sounds good like and some wine.

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Speaker 2: I heard you had that world where now mi mac

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Speaker 2: and cheese, like, I've made your mac and cheese, but

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Speaker 2: I've never actually tasted your mac and cheese. You know.

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Speaker 2: It's it's like a it's like a a like a

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Speaker 2: love spell or something. You put your own little mix

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Speaker 2: on this. I know mine's probably tastes different. I haven't

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Speaker 2: actually tasted yours, but I heard it was good.

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Speaker 3: Well, when you come to Charlotte, I'll make you a

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Speaker 3: little small pan.

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Speaker 2: I heard your mac was mac and bitch, it's it's

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Speaker 2: the bee's knees. People have been back too and be macing.

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Speaker 3: No, let me tell you what I love yours, red rice.

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Speaker 2: B Look, we had a trade recipes. You know, real

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Speaker 2: cooks don't be just giving our fucking recipes. So I

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Speaker 2: was like, all right, bitch, let me get the mac

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Speaker 2: and cheese. I'll send you the red the red rice recipes.

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Speaker 1: That red rice is so good. That's why I got

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Speaker 1: this little extra piece of hip.

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Speaker 2: You know, I can't even eat red rice like that

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Speaker 2: no more because it doesn't like taste the same without

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Speaker 2: all the meat, you know, cut it off. Yeah. I

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Speaker 2: haven't had red rice myself in a long time years.

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Speaker 1: But it's pointless if you just eating red rice, right, No,

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Speaker 1: no animals right, no animals cooked in the rice?

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Speaker 2: Is it's crazy.

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Speaker 3: Let's get into our stupid internet, nigga.

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Speaker 2: Let's see what's going on. So uh, I want to

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Speaker 2: start with Ebony K. Williams and Ayanaana. I can't say

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Speaker 2: her name, say it ian love on Zant got it okay,

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Speaker 2: which is not her real name, but let's start there. Yeah,

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Speaker 2: so I know you've probably seen it if you guys haven't,

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Speaker 2: So it's a viral video going on right now. So

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Speaker 2: ebide King Williams and essentially Ayanya Ayanya was.

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Speaker 3: Asked Ivy just call her by Ivy.

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Speaker 2: Ivy was asking her when she date a bus driver, right,

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Speaker 2: and she said, if he owned the bus, that's what

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Speaker 2: you know. Ebdy K Williams response was, I like comments.

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Speaker 2: I like to see what the people think. I really

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Speaker 2: don't give a fuck what the people think, but I

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Speaker 2: do like to see people's thought process and a lot

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Speaker 2: of people talking shit, especially the men. Oh she's forty

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Speaker 2: something still with no man, this and the third and

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Speaker 2: I'm like, after this weekend and being out a little bit,

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Speaker 2: is it possible that there are a lot of black

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Speaker 2: women that are single and haven't been wedded because or

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Speaker 2: I think she's been married before she's divorced, right, she

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Speaker 2: isn't married now, but I think a lot of Black

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Speaker 2: women are single because we choose to stay within our

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Speaker 2: own shit, right, you know, if she were to choose

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Speaker 2: to maybe date outside. She might be married.

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Speaker 3: What's wrong with her wanting him to own the bus?

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Speaker 2: I don't know. And I feel like, ma'am, you don't

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Speaker 2: compare me to you, Like you might be cool with

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Speaker 2: that shit, like you might have to get a bus driver,

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Speaker 2: but that's.

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Speaker 3: Not what I want, right aur Yalla was like, see,

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Speaker 3: that's your problem, bit.

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Speaker 2: And there's nothing wrong with a bus driver, but you

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Speaker 2: don't go through life being a super accomplished woman right

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Speaker 2: to not at least want somebody. And I hate to

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Speaker 2: use the term equal, but that's what it is. I

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Speaker 2: feel like in a black community, black men are hypergamous.

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Speaker 2: Black men date up all day long, like you got

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Speaker 2: to come with all the shits, right, But for the

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Speaker 2: black women, like it's almost like, oh, I can't believe

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Speaker 2: you bitches who are quiet. Stuff, that's a problem. Like

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Speaker 2: they want us to date down so that they have

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Speaker 2: access to the best of the best, right.

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Speaker 1: I agree, But no, because a black man will grab

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Speaker 1: a woman out of target skin and stuff.

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Speaker 2: Yes she's if she's a hispanic, yeah, with a big booty,

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Speaker 2: with all our with all our characteristics, right, all our

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Speaker 2: physical characteristics and aesthetics, but just not on a black woman.

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Speaker 2: Is that fair to say, Oh, successful black men I've

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Speaker 2: seen I've seen successful black men grab black women out

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Speaker 2: of the strip club dancing on a pole.

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Speaker 1: So I mean that's not really hypergamy?

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Speaker 2: Is it? That is hypergny? That woman on the pole

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Speaker 2: is dating up. Yes, that's hYP for her, but it's

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Speaker 2: not hypergammy right for the man? Right? Yeah? I don't know.

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Speaker 1: So, I mean, I guess it's a craw shot. Honestly,

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Speaker 1: I just don't like people being angry with a woman

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Speaker 1: for wanting.

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Speaker 3: Better for herself, Like, why are you upset about that?

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Speaker 1: I just don't get that right.

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Speaker 2: And now it's like a trending topic online and it

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Speaker 2: puts black women Now it's like, I'm sorry, Ivy gives

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Speaker 2: me pick me energy. I'm sorry, she just does. And

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Speaker 2: I don't think we should be shunning any other black

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Speaker 2: women for her preference. Men get to have preferences all

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Speaker 2: day long or what they prefer in relationships. Why is

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Speaker 2: it like a death sentence when we do, Like, oh,

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Speaker 2: you just automatically get super shamed for you know, putting

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Speaker 2: out there what you want. Why not, right, that's how

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Speaker 2: you get what you want? You have to fucking speak it.

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Speaker 1: So I just thought about oh boy friend uh with

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Speaker 1: Jada Pinkett when he was driving the bus.

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Speaker 3: He took her to the feeling and fucked her. Who

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Speaker 3: what's his name?

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Speaker 2: What movie?

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Speaker 1: Alan Payne, Allen Payne and Jada Pinkett on Jason's lyric.

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Speaker 1: He got her, he picked up on the bus. It

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Speaker 1: was nobody else on it, and he took it to

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Speaker 1: their feeling fucked her. I might do that with a

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Speaker 1: bus driver if he was fine. Yo, No, fucked me

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Speaker 1: in some roadses, big daddy.

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Speaker 2: The thing is, it's okay if we're in our twenties,

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Speaker 2: right and we're growing and building together. But we're talking

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Speaker 2: about forty year old women and up we're not the

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Speaker 2: only single ones. Black men are single too, Like, it's

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Speaker 2: a lot of Black single men, it's a lot of

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Speaker 2: Black single women. I just think that oftentimes in the

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Speaker 2: black community, we don't put as much emphasis on marriage.

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Speaker 2: Black men in particular don't put that much emphasis on marriage.

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Speaker 2: They don't see the benefit of value. Yeah, they don't

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Speaker 2: see the benefit in having a wife and building, like

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Speaker 2: for real, building a legacy and not just saying it.

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Speaker 2: They don't see the value in it. So that's why

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Speaker 2: we single. It ain't because it's not men out here,

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Speaker 2: you know what I'm saying. They just don't have they

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Speaker 2: don't just don't put the value on marriage, same way

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Speaker 2: we don't put value on education. And a lot of

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Speaker 2: other things were actually going to get into in this

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Speaker 2: particular episode. But yeah, I'm with uh, I'm definitely with

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Speaker 2: F D. K. Williams. Sorry too, Okay, sorry.

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Speaker 1: Unless one of y'all got a bus, it could take

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Speaker 1: me to a patch of flowers and you find somewhere

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Speaker 1: every k. Tony Braxton revealed that she went underwent emergency

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Speaker 1: heart surgery in September to treat a life threatening lupus complication.

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Speaker 1: My good sister's going through it with her lupus, And

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Speaker 1: you know, shout out to all the lupus warriors out

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Speaker 1: there that's you know, battling silently or publicly.

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Speaker 2: You know my niece say that my niece has lupis.

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Speaker 1: Yeah, shout out to your niece.

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Speaker 2: And sometimes I wish I can like take it from

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Speaker 2: her because I know I'd be able to manage it better,

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Speaker 2: you know what I'm saying. Like I tell her oftentimes,

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Speaker 2: like maybe you might have to do vegan for a

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Speaker 2: little while when I was living in Saint Louis, I

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Speaker 2: used to get calonics done every week, and the lady

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Speaker 2: who was doing it was this African woman. She said,

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Speaker 2: she showed me pictures of her wheelchair bed redding. She

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Speaker 2: was sick. Lupe is supposed to be dead, essentially, and

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Speaker 2: she started she started doing colonics, getting colonics, and she

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Speaker 2: went vegan healthy, healthy.

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Speaker 1: It's all you know. A lot of it has to

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Speaker 1: do with what you put in your body, but sometimes

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Speaker 1: it takes more than that. Tony Braxton said, I kept

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Speaker 1: putting the test off, thinking oh, I'm fine, I'll be okay.

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Speaker 1: But my doctor was persistent and I went to get tested.

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Speaker 1: In the last week of September. I did a specialized

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Speaker 1: test and they looked at my heart and saw some abnormalties.

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Speaker 1: Braxton told People Magazine. I found out that I needed

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Speaker 1: a coronary stint. My left main corodinary alreaty was eighty

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Speaker 1: percent block. The doctors told me I could have had

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Speaker 1: a massive heart attack. I wouldn't I have survived. There

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Speaker 1: was a traumatic moment for me. I was in shock.

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Speaker 1: She underwent emergency surgery two days later and had a

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Speaker 1: stint inserted into the artery to keep it from narrowing

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Speaker 1: or closing day.

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Speaker 2: How does that? How does that cause via lupus? I

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Speaker 2: know La shows up different for everybody, but I wonder

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Speaker 2: if she's ever had any heart issues prior to now,

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Speaker 2: that's right, that's weird. Yeah, lupas affects everybody differently because

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Speaker 2: some people are like for real, like bedridden, can't walk,

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Speaker 2: skin crazy, like like is your body like for real?

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Speaker 2: Turning it against you?

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Speaker 1: Yeah?

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Speaker 2: Yeah, you know what I want to talk about. Also

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Speaker 2: prose prose. Michael from the from the Fujis so Praz

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Speaker 2: was the founder of the Fujis, but he got convicted

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Speaker 2: of ten counts of conspiracy essentially last week he was

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Speaker 2: in federal court. You even had Leonardo DiCaprio DiCaprio so

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Speaker 2: testify against him. But I don't think people understand what

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Speaker 2: the fuck is really going on with that, And maybe

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Speaker 2: I'll try to convey it a little bit.

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Speaker 1: Right.

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Speaker 2: I feel like the headlines have been trying to throw

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Speaker 2: in our previous president, which is Trump. But this just

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Speaker 2: started with the Obama administration. Essentially, they had been funneling

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Speaker 2: money to the Obama administration, like you know, during the

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Speaker 2: twenty twelve election by way of this this Chinese businessman. Essentially,

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Speaker 2: they stole billions of dollars from a Chinese fund and

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Speaker 2: they were funneling money like illegal lobbying and shit like that.

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Speaker 2: So the complaint reads that federal jury convicted US entertainer

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Speaker 2: and businessman today of orchestrating an unregistered back channel campaign

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Speaker 2: beginning in or about twenty seventeen to influence the then

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Speaker 2: administration of the President of the United States and Department

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Speaker 2: of Justice to drop the investigations of Joe Lo jh

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Speaker 2: or Is a Jayo Jayo Ho j Ho Loo is

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Speaker 2: his name, j Lo j lo Is j Ho Lo

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Speaker 2: though and others for embezzlement and other offenses in connection

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Speaker 2: with the international strategic and development company known as One

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Speaker 2: Malaysia Development berhad it's one m d B and to

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Speaker 2: send a Chinese national back to China, as well as

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Speaker 2: inspiring to make and conco foreign and conduit campaign contributions

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Speaker 2: during the twenty twelve US presidential elections. So that's when

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Speaker 2: Obama would have been in office. So, according to the

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Speaker 2: documents and evidence presented at trial, Praz Michael fifty of

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Speaker 2: Coconut Creek, Florida, conspired with Low Tech Jyho Aka Jho

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Speaker 2: Low of Malaysia, and then they have all these other

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Speaker 2: people listed and others to engage in undisclosed lobbying campaigns

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Speaker 2: at the direction of Low and the Vice Minister of

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Speaker 2: Public Security for the People's Republic of China, respectively, to

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Speaker 2: have the one mdb em bezzlman investigate investigation and forfeiture

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Speaker 2: proceedings including Low and others dropped, and have Chinese national

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Speaker 2: sent back to China. So essentially he was give him money,

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Speaker 2: trying to funnel money to the campaign, right, and then

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Speaker 2: also trying to convince the Trump administration to stop investigating

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Speaker 2: the shit they did in twenty twelve. Ah, while y'all

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Speaker 2: got Trump fucked up for giving a bitch one hundred

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Speaker 2: and thirty dollars for one hundred and thirty thousand dollars

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Speaker 2: to come.

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Speaker 1: Sure, if we investigated any all of them, all of them,

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Speaker 1: I'll have some money that came from somewhere that didn't

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Speaker 1: belong all of them.

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Speaker 2: Because that's how we get in trouble with these other countries,

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Speaker 2: Like people are doing backdoor deals and shit like that,

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Speaker 2: swapping money. It happens all the time. I just hate

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Speaker 2: how this black man this one lone black man is

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Speaker 2: about to take the fall for a major criminal enterprise.

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Speaker 2: At this point, this shit is, this shit is way

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Speaker 2: bigger than these little, small, little headlines. This shit is

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Speaker 2: real serious. I don't think people know how serious it

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Speaker 2: is though, because.

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Speaker 1: Yeah, I don't think people understand how serious this is.

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Speaker 1: But I cannot wait for it to be adapted into

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Speaker 1: a movie.

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Speaker 2: So you can get the summary. Oh la la la,

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Speaker 2: I hate you out. That's just fucking senious. We're in

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Speaker 2: trouble right now. Our country has literally been sold. Our

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Speaker 2: country has been bought and fucking sold, and people don't

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Speaker 2: see that. They don't see that we fucked up right now,

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Speaker 2: Like do y'all see bricks? Is like this is basically

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Speaker 2: essentially like you're all these other countries are coming together

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Speaker 2: now and they're like, fuck the United States, Fuck the US.

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Speaker 2: That's a problem. It's no more United Nations. We like

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Speaker 2: literally now on an island by ourselves. And I don't

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Speaker 2: really blame these other countries, like America does some fucked

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Speaker 2: up stuff to other people. I hate the term destabilized,

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Speaker 2: like you're running up in other people's countries to destabilize

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Speaker 2: some stable shit like the main thing that the United

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Speaker 2: States produces. It's like warshit, war tools, guns, ammunition, big

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Speaker 2: stupid ass missiles and shit like that. That's our main

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Speaker 2: industry here, and that's all like makings of a fucking bully.

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Speaker 2: So yeah, this shit is fucking serious.

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Speaker 1: Man.

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Speaker 2: I wish more people would look into what's really going

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Speaker 2: on with Prouse and it's it's terrible that he's going

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Speaker 2: to take the fall. And they said he was a

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Speaker 2: US informant for twenty years, a federal informer for twenty years.

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Speaker 2: But what he informed on was the fact that that

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Speaker 2: China had an America citizen and the Chinese national like

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Speaker 2: hell captive at some point. That's what he informed the

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Speaker 2: US government of nobody's talking about that that part. But yeah,

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Speaker 2: that's that's well.

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Speaker 1: I can't wait for the minutes.

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Speaker 2: So crazy ass, y'all. Rip to Jerry Springer, Yes, Rip

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Speaker 2: to Harry Belafonte.

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Speaker 1: Yes, both of those people. I feel like it's certain

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Speaker 1: to be like, if there is a heaven, there's a

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Speaker 1: lot more cool people in heaven than still on the earth.

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Speaker 2: This is hell. Like, this shit is so fucking stressful. Yeah,

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Speaker 2: I remember I was an angueola talking shit about America

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Speaker 2: We was like sit at the bar and my homegirl

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Speaker 2: her phone was on the bar and were just like, man,

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Speaker 2: America so stressful, Like yeah, these people might have less

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Speaker 2: over here, but they chilling like they live on the beach.

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Speaker 2: That girl, why the fuck SERI came on and started

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Speaker 2: calling the police on us. That bitch started calling nine

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Speaker 2: one one on us for talking shit about America. Here.

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Speaker 2: We don't play by her, Like what what the hell

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Speaker 2: they be listening? They be listening, man, all this AI

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Speaker 2: shit that's happening. If you're reading this, it's too late.

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Speaker 2: If you're listening to this, it's too late.

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Speaker 1: You had to put me on some I just want

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Speaker 1: my man to get some land at this point and

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Speaker 1: put me on it.

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Speaker 2: Now.

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Speaker 1: Had that put me on some land so I can

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Speaker 1: just raise some animals and grow my own food.

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Speaker 2: You're that homestead and it's fucking hard. I got a

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Speaker 2: few homestead books I ordered off Amazon, like when shit

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Speaker 2: really gets stupid, I'll know how to make a windmill

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Speaker 2: and shit and how to generate enemy from water.

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Speaker 1: I need to learn how to make preserves. My grandma

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Speaker 1: got a recipe book. I need to look at it.

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Speaker 1: I need to dust it off and look at how

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Speaker 1: she used to have like a cabinet full of preservatives,

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Speaker 1: like just jars and jars and stuff. And I can't

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Speaker 1: I can preserve. I can't keep nothing living right now

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Speaker 1: but myself. But we're gonna work on it.

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Speaker 2: Shame my plants so thriving. My little money plant, g

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Speaker 2: I got her sitting by the door right now. I'd

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Speaker 2: be kissing that plant all the type of shit. I'm

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Speaker 2: so proud that I've been able to keep that plan

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Speaker 2: alive for about a year now.

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Speaker 1: I mean that's good. Mine lasted like two months, two

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Speaker 1: three months. I I think I overloved it.

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Speaker 2: You probably put too much on it.

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Speaker 1: Yeah, that's what I think.

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Speaker 3: And I overwater it.

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Speaker 1: I talk to it every day, and I used to

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Speaker 1: be like, why is you looking like that?

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Speaker 2: That should only need like minimal light and like six

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Speaker 2: ounces of water every three weeks is what you're supposed

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Speaker 2: to give it. I put coconut water on my plant

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Speaker 2: so she'd be like, well, bitch, thank you, but y'all

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Speaker 2: like again. Rip to Jerry Springer and Harry Belafonte. Halle

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Speaker 2: and Harry Belafonte was ninety. Jerry Springer died at seventy nine,

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Speaker 2: and this is a great segue into what we want

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Speaker 2: to talk about today, life insurance, health insurance. We're gonna

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Speaker 2: make sure we aside from talk about relationships and shit

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Speaker 2: like that all the damn time, we do have other

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Speaker 2: things that we're capable of speaking on. Right, So we

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Speaker 2: do have a special guest on we Talked Back this week.

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Speaker 2: Who's gonna give us and our listeners more information? I mean,

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Speaker 2: we're all at that age you don't wanna wait until

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Speaker 2: something bad happens to think about these things. Get on

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Speaker 2: top of it today, all right.

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Speaker 1: Y'all, Thank y'all for joining we talk Back TV. All right,

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Speaker 1: So we have a special guest on today. It is

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Speaker 1: actually my cousin, And the reason why I wanted to

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Speaker 1: bring her on is y'all will be having these gofundmes

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Speaker 1: every time someone passes away, someone's sick. That is just

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Speaker 1: seems like to be the black way to handle things

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Speaker 1: when it comes to health care and paying for death.

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Speaker 1: And we all got to go up out of here,

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Speaker 1: so we need to get in front of that. So

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Speaker 1: I got my cousin, Aaron Corbett on and she's a

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Speaker 1: licensed insurance professional. She's been in the industry for almost

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Speaker 1: ten years. And she has a lot of experience, tons

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Speaker 1: of experience, and she's literally helped me so much when

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Speaker 1: it comes to my health insurance and my health care.

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Speaker 1: So I wanted to have a conversation with her so

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Speaker 1: we can get some knowledge for y'all on how to

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Speaker 1: get on top of that, so we can start with

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Speaker 1: this gofunmy shit. Hey eron, girl, thank you for joining us.

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Speaker 2: Yeah black for you guys to have me here today.

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Speaker 2: It's a family affair.

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Speaker 1: I wanna get some real information to our listeners that

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Speaker 1: can help, because you know, I was out here running

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Speaker 1: around here, Like I know a lot of people they

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Speaker 1: use the emergency room as their only source of health care.

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Speaker 1: Like they wait till they almost half did, right, and

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Speaker 1: they just go to the emergency room and then they

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Speaker 1: have these astronomical bills that they never plan to pay.

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Speaker 1: And you know that's just not the health healthy way

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Speaker 1: to do it. First, you tell everybody about yourself and

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Speaker 1: your your career. Sure.

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Speaker 4: So again, my name is Aaron Corbett.

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Speaker 5: Like I said, I've been in the insurance industry almost

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Speaker 5: ten years. I do carry three licenses. I'll do health,

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Speaker 5: life and supplementals, So basically I work with everything that

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Speaker 5: deals with whatever can happen to you while you're alive

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Speaker 5: or after someone passes away.

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Speaker 2: Okay, so life insurance is not just for the dad,

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Speaker 2: y'all like and while you're living for the living, So.

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Speaker 1: Have life insurance for the living, because don't like you

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Speaker 1: don't get paid out to you.

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Speaker 4: No, that's not true.

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Speaker 2: So let's talk about whole life insurance, for instance, in

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Speaker 2: different different ways people actually build wealth. We can start there,

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Speaker 2: build wealth from having life insurance policies. I think a

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Speaker 2: lot of black people are they miss that because they

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Speaker 2: just don't know because they only think about life insurance

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Speaker 2: when it's when somebody dies.

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Speaker 4: That's correct.

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Speaker 5: Life insurance it's a tool for finance, right, because if

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Speaker 5: you buy whole life policies that you were speaking of,

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Speaker 5: what it does is it generates your own.

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Speaker 4: Source of a loan.

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Speaker 2: Right.

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Speaker 5: And if there's different variations of life insurances. But let's say,

434
00:24:14,200 --> 00:24:17,000
Speaker 5: for example, you have like a twenty pay life insurance.

435
00:24:17,040 --> 00:24:19,359
Speaker 5: It'll be paid off in twenty years. Let's say it

436
00:24:19,400 --> 00:24:22,080
Speaker 5: was fifty thousand, but you only put twenty thousand in it.

437
00:24:22,280 --> 00:24:25,280
Speaker 5: So if you started at thirty, paid it off by fifty,

438
00:24:25,359 --> 00:24:27,560
Speaker 5: now you have fifty thousand dollars just sitting there for

439
00:24:27,600 --> 00:24:29,640
Speaker 5: whatever you want. You can purchase a home within cash

440
00:24:29,680 --> 00:24:31,680
Speaker 5: it out. You can use it to pay down debt

441
00:24:31,680 --> 00:24:34,200
Speaker 5: if that's something that you had going on, pay for

442
00:24:34,280 --> 00:24:37,000
Speaker 5: children's college and different things like that, start your own business.

443
00:24:37,000 --> 00:24:39,600
Speaker 5: But it becomes your own source of money to borrow

444
00:24:39,640 --> 00:24:43,160
Speaker 5: from cash out without taking out a loan that has interests,

445
00:24:43,800 --> 00:24:44,520
Speaker 5: different things like that.

446
00:24:44,600 --> 00:24:46,280
Speaker 4: So that is a way that they do use it

447
00:24:46,320 --> 00:24:47,080
Speaker 4: to build wealth.

448
00:24:47,480 --> 00:24:49,480
Speaker 2: So, you know, we talk about reparations a lot, like

449
00:24:49,480 --> 00:24:51,520
Speaker 2: Black people, Oh, we need to get paid for slaveryness

450
00:24:51,520 --> 00:24:52,639
Speaker 2: in a third, but I think that a lot of

451
00:24:52,680 --> 00:24:55,760
Speaker 2: people don't have deliverables. Like if we were to actually

452
00:24:55,760 --> 00:24:58,520
Speaker 2: acts for reparations, what are some of the deliverables? And

453
00:24:58,600 --> 00:25:00,400
Speaker 2: whole life insurance is one of the things I would

454
00:25:00,400 --> 00:25:03,200
Speaker 2: ask for. We need whole life assurance free tuition.

455
00:25:03,359 --> 00:25:05,560
Speaker 1: When you say whole life insurance is.

456
00:25:05,720 --> 00:25:08,360
Speaker 2: Because it's a tool to build wealth. Right, So imagine

457
00:25:08,359 --> 00:25:10,840
Speaker 2: if every black person, this is my one thought process

458
00:25:10,840 --> 00:25:14,000
Speaker 2: of life assurance. There's not enough black people with life assurance.

459
00:25:14,000 --> 00:25:16,760
Speaker 2: So we think about how the police keep killing black people. Right,

460
00:25:17,400 --> 00:25:20,680
Speaker 2: If more black people have life insurance, the police would

461
00:25:20,680 --> 00:25:23,880
Speaker 2: be less likely to kill us. There's just no repercussions

462
00:25:23,920 --> 00:25:26,040
Speaker 2: for killing black people. They literally have a license to

463
00:25:26,119 --> 00:25:28,960
Speaker 2: kill black people, and your family can't benefit from the

464
00:25:29,040 --> 00:25:31,960
Speaker 2: death either because you don't have life assurance. If more

465
00:25:32,040 --> 00:25:35,080
Speaker 2: black people had life insurance, it would probably be less

466
00:25:35,200 --> 00:25:38,640
Speaker 2: police killings because the insurance companies going to start suing

467
00:25:38,920 --> 00:25:40,959
Speaker 2: the police departments if they have to keep paying out

468
00:25:41,000 --> 00:25:44,640
Speaker 2: on these loans. Well, I'm sorry on these policies. Paying

469
00:25:44,640 --> 00:25:46,200
Speaker 2: out on the policies, not the loans.

470
00:25:47,200 --> 00:25:49,080
Speaker 5: It could make higher risk rading. So it might just

471
00:25:49,119 --> 00:25:53,600
Speaker 5: cost more for black people to get life insurance for

472
00:25:53,720 --> 00:25:56,480
Speaker 5: us to live anyway. Yes, but I just to kind

473
00:25:56,480 --> 00:25:59,720
Speaker 5: of touch on something that you said. I think that

474
00:26:00,080 --> 00:26:03,080
Speaker 5: we just don't prepare or value certain things in the

475
00:26:03,160 --> 00:26:08,000
Speaker 5: right way. When we talk about the difference between black

476
00:26:08,640 --> 00:26:13,320
Speaker 5: people and other ethnicities. What they do is they prepare,

477
00:26:14,400 --> 00:26:17,960
Speaker 5: so there's common conversations in a white household to have

478
00:26:18,440 --> 00:26:21,560
Speaker 5: life insurance, to have short term disability, to make sure

479
00:26:21,600 --> 00:26:25,040
Speaker 5: they have these different policies like cancer policies, critical illness

480
00:26:25,240 --> 00:26:28,679
Speaker 5: just in case, right, because the thing that happens is

481
00:26:29,600 --> 00:26:32,040
Speaker 5: something's going to happen to you, when it's going to

482
00:26:32,080 --> 00:26:34,440
Speaker 5: happen to you, is what you don't know, and how

483
00:26:34,480 --> 00:26:37,520
Speaker 5: do you prepare to not ruin everything that you built

484
00:26:38,040 --> 00:26:42,200
Speaker 5: your whole life around your house, right, all the savings

485
00:26:42,200 --> 00:26:45,159
Speaker 5: that you may have saved, didn't go on vacations just

486
00:26:45,200 --> 00:26:47,160
Speaker 5: to have this sit in here? How do you protect

487
00:26:47,160 --> 00:26:49,119
Speaker 5: yourself in that way? And we just don't do a

488
00:26:49,119 --> 00:26:50,879
Speaker 5: good job of that. We'll go buy one hundred and

489
00:26:50,960 --> 00:26:53,600
Speaker 5: twenty dollars, Jordan's two hundred and fifty dollars, Jordan's the

490
00:26:53,640 --> 00:26:55,679
Speaker 5: new Yeezy's on the drop for four hundred dollars on

491
00:26:55,680 --> 00:26:59,000
Speaker 5: a resale, and a policy like this in the right

492
00:26:59,000 --> 00:27:03,760
Speaker 5: age range's about dollars a month. You know, we just

493
00:27:03,800 --> 00:27:07,080
Speaker 5: do not prepare in the right way. The way we

494
00:27:07,119 --> 00:27:09,640
Speaker 5: spend our money is not for the right things, so

495
00:27:09,720 --> 00:27:12,160
Speaker 5: when things do happen, we're ill prepared.

496
00:27:12,520 --> 00:27:14,120
Speaker 1: So let me ask you this. To get a life

497
00:27:14,160 --> 00:27:16,119
Speaker 1: insurance policy, do you have to go get like a

498
00:27:16,119 --> 00:27:19,479
Speaker 1: physical examination to see like what your health is in

499
00:27:19,560 --> 00:27:21,240
Speaker 1: order to be eligible.

500
00:27:22,040 --> 00:27:26,440
Speaker 4: Well, that actually depends on the amount that you want.

501
00:27:27,600 --> 00:27:32,680
Speaker 2: It also depends on your health. So some policies are.

502
00:27:32,600 --> 00:27:36,080
Speaker 5: Guaranteed issue, which means you don't have to go through

503
00:27:36,080 --> 00:27:39,400
Speaker 5: a health exam. You just have to pass the underwriting

504
00:27:39,480 --> 00:27:42,480
Speaker 5: questions or whatever they may be. When you start getting

505
00:27:42,480 --> 00:27:45,360
Speaker 5: over a certain dollar amount, like one hundred thousand, then

506
00:27:45,400 --> 00:27:47,640
Speaker 5: they become more underwriting questions.

507
00:27:48,040 --> 00:27:48,880
Speaker 4: And I know in our.

508
00:27:48,760 --> 00:27:50,520
Speaker 5: Community we like say I just got a little bit

509
00:27:50,520 --> 00:27:53,440
Speaker 5: of diabetes, a little bit of high blood pressure, right,

510
00:27:53,480 --> 00:27:55,520
Speaker 5: But those are actually things that can knock you out

511
00:27:55,960 --> 00:27:59,520
Speaker 5: or put you in a clause. And that clause could

512
00:27:59,520 --> 00:28:01,480
Speaker 5: be two three years, but god forbid you had a

513
00:28:01,480 --> 00:28:02,480
Speaker 5: heart attacking that two.

514
00:28:02,480 --> 00:28:03,119
Speaker 2: Or three years.

515
00:28:04,280 --> 00:28:05,520
Speaker 1: Then you don't get shit.

516
00:28:05,680 --> 00:28:07,159
Speaker 4: You just getting the money you're paying into it.

517
00:28:07,320 --> 00:28:10,399
Speaker 1: Okay, So and that could be very small. If you're

518
00:28:10,400 --> 00:28:12,840
Speaker 1: saying it's something like twenty thirty dollars a month, yes,

519
00:28:12,920 --> 00:28:16,720
Speaker 1: you're gonna check for four hundred dollars absolutely.

520
00:28:16,560 --> 00:28:18,520
Speaker 2: So how do you determine what type of life insurance

521
00:28:18,560 --> 00:28:23,040
Speaker 2: policy you need? So if I'm I'm thirty eight, right,

522
00:28:23,119 --> 00:28:27,200
Speaker 2: no kids at my age, what type of policy would

523
00:28:27,200 --> 00:28:29,160
Speaker 2: you suggest at your age?

524
00:28:29,200 --> 00:28:32,960
Speaker 5: I absolutely suggest a whole life because it's affordable for you.

525
00:28:33,080 --> 00:28:36,760
Speaker 5: So the problem that happens is, you know a lot

526
00:28:36,800 --> 00:28:39,360
Speaker 5: of individuals start looking at these things at fifty wrong

527
00:28:39,440 --> 00:28:43,000
Speaker 5: move right, that's absolutely the wrong move. Age is your

528
00:28:43,200 --> 00:28:46,720
Speaker 5: benefit and with younger age, you also have better health,

529
00:28:47,320 --> 00:28:53,160
Speaker 5: so you can get more coverage for cheaper cheaper, So

530
00:28:53,400 --> 00:28:57,160
Speaker 5: whole life for sure. And then you also have to

531
00:28:57,200 --> 00:28:59,600
Speaker 5: start thinking about like what's your like, what are you

532
00:28:59,640 --> 00:29:01,960
Speaker 5: trying to cover in the event that I'm not here?

533
00:29:02,040 --> 00:29:06,440
Speaker 5: So someone is self employed, has a business, you know,

534
00:29:06,680 --> 00:29:09,200
Speaker 5: you should start the stack policies. And what I mean

535
00:29:09,240 --> 00:29:11,840
Speaker 5: by stack policies you should always have like a whole

536
00:29:11,840 --> 00:29:14,560
Speaker 5: life policy as a base, but then have a term

537
00:29:14,640 --> 00:29:18,320
Speaker 5: life that's high limit over it, right, because.

538
00:29:18,120 --> 00:29:20,800
Speaker 1: So explain that in a way. So tell people like

539
00:29:20,960 --> 00:29:23,040
Speaker 1: what is a term life mean?

540
00:29:23,200 --> 00:29:25,160
Speaker 4: Like sure, so let's go back.

541
00:29:25,200 --> 00:29:29,040
Speaker 5: So term life policy is a life policy that expires

542
00:29:29,080 --> 00:29:32,760
Speaker 5: after a certain amount of time, so it's ten, fifteen, twenty,

543
00:29:32,840 --> 00:29:36,920
Speaker 5: twenty five years, right. But with those type of policies,

544
00:29:36,920 --> 00:29:40,480
Speaker 5: they bet on your life expectancy, so most people outlive

545
00:29:40,520 --> 00:29:41,160
Speaker 5: those policies.

546
00:29:41,200 --> 00:29:43,040
Speaker 2: So if you've ever seen where your.

547
00:29:43,160 --> 00:29:45,120
Speaker 5: Grandparents are to say, I had this policy but it

548
00:29:45,120 --> 00:29:47,360
Speaker 5: didn't pay out and then they find out it's a

549
00:29:47,440 --> 00:29:49,920
Speaker 5: term life. It happened a lot in the black community, right,

550
00:29:50,320 --> 00:29:53,760
Speaker 5: So they had all this insurance and then they let

551
00:29:53,840 --> 00:29:56,240
Speaker 5: us sit there for twenty thirty forty years. So when

552
00:29:56,240 --> 00:29:58,160
Speaker 5: they go to pass away and I'm like, oh, they

553
00:29:58,200 --> 00:30:01,239
Speaker 5: have this policy. They realize it's only term life, and

554
00:30:01,520 --> 00:30:04,920
Speaker 5: term life policies are cheap, it's more economical, so yes,

555
00:30:05,000 --> 00:30:07,920
Speaker 5: that's what the people go for. However, they never understand

556
00:30:07,920 --> 00:30:10,560
Speaker 5: the fact that it's almost like a waste of money.

557
00:30:11,160 --> 00:30:13,040
Speaker 2: So they pay into this thing the whole time, and

558
00:30:13,080 --> 00:30:15,960
Speaker 2: then when you try to draw there's nothing there. It

559
00:30:16,120 --> 00:30:18,840
Speaker 2: ends at a certain amount of time, Okay.

560
00:30:18,520 --> 00:30:20,640
Speaker 1: So you have to pull it out when it ends, or.

561
00:30:21,080 --> 00:30:25,239
Speaker 5: There's no value in a term life policy. So what

562
00:30:25,320 --> 00:30:28,120
Speaker 5: I was saying about stacking benefits, right, So, say you

563
00:30:28,200 --> 00:30:33,200
Speaker 5: have a young family. You know you need five hundred thousand.

564
00:30:33,640 --> 00:30:35,240
Speaker 5: You know that you want to leave to your family

565
00:30:35,240 --> 00:30:38,600
Speaker 5: any event that something happens between the age of thirty

566
00:30:38,960 --> 00:30:41,400
Speaker 5: to fifty five, you can still have a whole life

567
00:30:41,400 --> 00:30:43,880
Speaker 5: policy as a base and a certain amount maybe say

568
00:30:43,880 --> 00:30:46,040
Speaker 5: one hundred thousand, But then you can get a higher

569
00:30:46,080 --> 00:30:47,240
Speaker 5: level term life which.

570
00:30:47,080 --> 00:30:49,360
Speaker 2: Is cheaper to carry for five hundred k.

571
00:30:49,480 --> 00:30:51,600
Speaker 4: So saying that any event that I'm not here to

572
00:30:51,640 --> 00:30:54,840
Speaker 4: take care of my kids schooling, or i need this

573
00:30:54,880 --> 00:30:56,200
Speaker 4: mortgage to be paid off. If I'm not here, I

574
00:30:56,200 --> 00:30:57,520
Speaker 4: don't want to leave it on my wife.

575
00:30:57,880 --> 00:31:00,880
Speaker 5: That's what I mean by stacking policies because it's gonna expire.

576
00:31:01,160 --> 00:31:02,680
Speaker 5: But what you want to do is be able to

577
00:31:02,720 --> 00:31:05,240
Speaker 5: get any event that something happens in the age where

578
00:31:05,400 --> 00:31:09,960
Speaker 5: you're gonna leave your family or a business you want

579
00:31:09,960 --> 00:31:11,200
Speaker 5: to have both.

580
00:31:12,400 --> 00:31:12,720
Speaker 2: Got in.

581
00:31:13,400 --> 00:31:16,560
Speaker 1: I'm confused as fuck. So all right, the whole life

582
00:31:16,560 --> 00:31:19,440
Speaker 1: policy is the policy that you were saying that you

583
00:31:19,440 --> 00:31:21,360
Speaker 1: can pull out of, and it's kind of like almost

584
00:31:21,360 --> 00:31:23,800
Speaker 1: like an investment. It's an investment, yes, right, But then

585
00:31:23,840 --> 00:31:27,120
Speaker 1: the term life is the one that you would want

586
00:31:27,160 --> 00:31:29,360
Speaker 1: to have just in case you die within that period.

587
00:31:29,560 --> 00:31:33,120
Speaker 5: Yeah, so say, like your example, thirty will use this

588
00:31:33,960 --> 00:31:36,719
Speaker 5: as we age, we know that you'd start to develop

589
00:31:36,800 --> 00:31:40,240
Speaker 5: health issues. Right, So let's just say someone got diagnosed

590
00:31:40,240 --> 00:31:43,800
Speaker 5: with cancer at forty five, right, they got two kids,

591
00:31:44,480 --> 00:31:47,959
Speaker 5: ones in college, ones in high school, get married, have

592
00:31:48,000 --> 00:31:52,800
Speaker 5: a brand new home. Say this person doesn't make it through. Right,

593
00:31:53,320 --> 00:31:56,240
Speaker 5: That term life is actually good in that sense because

594
00:31:57,800 --> 00:32:00,400
Speaker 5: a five hundred thousand dollars policy is very and so VIVI,

595
00:32:00,440 --> 00:32:02,400
Speaker 5: it's a whole life. So it becomes about what you

596
00:32:02,400 --> 00:32:03,120
Speaker 5: can actually.

597
00:32:03,000 --> 00:32:07,400
Speaker 2: Your whole life. Right, So you that's older the longer

598
00:32:07,440 --> 00:32:10,360
Speaker 2: you live it's good to have a whole life insurance

599
00:32:10,760 --> 00:32:13,960
Speaker 2: as opposed to term well because it's shorter.

600
00:32:14,080 --> 00:32:16,880
Speaker 1: Right, let me with the whole life.

601
00:32:16,880 --> 00:32:20,480
Speaker 2: So let me get the whole life you have forty five,

602
00:32:20,680 --> 00:32:25,080
Speaker 2: But it ain't that whole half, No guys, hold a wait,

603
00:32:25,080 --> 00:32:28,240
Speaker 2: hold on, hold on, Let me explain, Let me explain,

604
00:32:28,280 --> 00:32:30,720
Speaker 2: Let me clarify really quick. So what I'm saying is like,

605
00:32:30,720 --> 00:32:33,240
Speaker 2: you should always have a whole life policy. Right. That's

606
00:32:33,280 --> 00:32:37,840
Speaker 2: your cash, that's your equity, that's your asset. But to

607
00:32:38,440 --> 00:32:44,000
Speaker 2: afford a five hundred k whole life policy, it's a

608
00:32:44,000 --> 00:32:45,440
Speaker 2: few thousand a month. You have to be in a

609
00:32:45,480 --> 00:32:51,360
Speaker 2: certain tax bracket for that. Most average folks cannot afford that, right.

610
00:32:51,600 --> 00:32:54,040
Speaker 2: But what they can afford, maybe is one hundred thousand,

611
00:32:54,240 --> 00:32:57,840
Speaker 2: one hundred and fifty thousand whole life policy that they'll

612
00:32:58,080 --> 00:33:00,440
Speaker 2: that they can have there. But let's they have a

613
00:33:00,440 --> 00:33:04,080
Speaker 2: three hundred thousand dollar home, right and they passed away

614
00:33:04,080 --> 00:33:08,000
Speaker 2: at forty five. Somebody has to pay that off still, right.

615
00:33:08,440 --> 00:33:10,440
Speaker 5: So and that's why you put that term life on top,

616
00:33:10,760 --> 00:33:14,600
Speaker 5: because what it is doing is carrying your bigger assets

617
00:33:14,640 --> 00:33:17,320
Speaker 5: or debts, let me say correctly, debts that you may

618
00:33:17,360 --> 00:33:21,240
Speaker 5: have to pay right if you have medical expenses that

619
00:33:21,400 --> 00:33:23,240
Speaker 5: need to be paid off in a certain amount and

620
00:33:23,280 --> 00:33:25,000
Speaker 5: you pass away within that time frame.

621
00:33:25,440 --> 00:33:28,880
Speaker 1: So if I die, knock on, would my debt don't

622
00:33:28,920 --> 00:33:29,440
Speaker 1: die with me?

623
00:33:29,640 --> 00:33:33,640
Speaker 2: Knock care bitch, I can do it.

624
00:33:36,720 --> 00:33:40,880
Speaker 4: So for someone that's married, it doesn't. It goes to

625
00:33:40,960 --> 00:33:41,480
Speaker 4: the spouse.

626
00:33:41,840 --> 00:33:44,360
Speaker 2: Someone that's single, it is what it is.

627
00:33:44,680 --> 00:33:47,000
Speaker 5: So that's why I said, especially when someone that's married

628
00:33:47,040 --> 00:33:49,360
Speaker 5: with kids, you definitely want to put something over that

629
00:33:49,440 --> 00:33:50,600
Speaker 5: because your spouse is now on.

630
00:33:50,560 --> 00:33:53,479
Speaker 4: The hook for everything that happened to you.

631
00:33:53,600 --> 00:33:56,960
Speaker 1: Right, Damn, that's crazy. Yeah, I didn't know that. Yeah,

632
00:33:57,000 --> 00:33:59,000
Speaker 1: I saw a lady posting about a nigga who died

633
00:33:59,040 --> 00:34:02,160
Speaker 1: and owe him fourth thou over four thousand dollars. Did

634
00:34:02,200 --> 00:34:04,360
Speaker 1: y'all see that. It was circulating like she was mad

635
00:34:04,400 --> 00:34:05,400
Speaker 1: about it.

636
00:34:05,200 --> 00:34:07,920
Speaker 2: Now there is the state. Shit you might just put

637
00:34:07,920 --> 00:34:10,280
Speaker 2: a lean against. She couldn't put a lean against the state.

638
00:34:10,800 --> 00:34:15,239
Speaker 5: No, if there's no if there was no document that said, well.

639
00:34:15,160 --> 00:34:15,920
Speaker 2: They had a document.

640
00:34:15,960 --> 00:34:18,040
Speaker 1: Now this is a street nigga. She was like, give

641
00:34:18,080 --> 00:34:20,160
Speaker 1: me some of that go fund me because I.

642
00:34:20,160 --> 00:34:24,399
Speaker 2: Want my go get your money then, but I good

643
00:34:25,600 --> 00:34:27,680
Speaker 2: gave me back in blood in the beginning, we were

644
00:34:27,680 --> 00:34:30,680
Speaker 2: talking about how life insurance is not just for the dead,

645
00:34:30,719 --> 00:34:33,319
Speaker 2: so we talked about the investment portion of it. What

646
00:34:33,520 --> 00:34:37,600
Speaker 2: other benefits does life insurance provide.

647
00:34:37,600 --> 00:34:38,160
Speaker 1: For the living?

648
00:34:38,920 --> 00:34:42,080
Speaker 4: You can also again, and you can also borrow against.

649
00:34:41,640 --> 00:34:44,439
Speaker 2: It aside from that. Yes, So those are the two

650
00:34:44,480 --> 00:34:45,360
Speaker 2: biggest leverages.

651
00:34:45,400 --> 00:34:47,680
Speaker 5: It's just a financial tool in general, because when you

652
00:34:47,719 --> 00:34:51,520
Speaker 5: think about, like right now, if you had to go borrow,

653
00:34:51,640 --> 00:34:54,080
Speaker 5: go to the bank to borrow ten thousand dollars, you

654
00:34:54,120 --> 00:34:58,680
Speaker 5: have to be at a certain tax bracket or monthly

655
00:34:58,760 --> 00:35:02,160
Speaker 5: income for that at a maybe twenty five, twenty four,

656
00:35:02,360 --> 00:35:09,279
Speaker 5: seventeen percent interest rate. I mean, it almost becomes a

657
00:35:09,320 --> 00:35:11,479
Speaker 5: financial burden to even do that, even if you needed

658
00:35:11,480 --> 00:35:11,880
Speaker 5: the money.

659
00:35:11,960 --> 00:35:13,160
Speaker 1: Right but say.

660
00:35:13,040 --> 00:35:16,160
Speaker 5: You had, you know, a life insurance, you can borrow

661
00:35:16,160 --> 00:35:18,799
Speaker 5: that money from it, and the interest that's on it

662
00:35:18,840 --> 00:35:21,480
Speaker 5: is like very minimal, like point zero one percent. It

663
00:35:21,520 --> 00:35:24,960
Speaker 5: doesn't do anything, and every time you make a payment,

664
00:35:25,000 --> 00:35:27,279
Speaker 5: it's putting the money back into it. And it's something

665
00:35:27,320 --> 00:35:29,320
Speaker 5: that you're going to maintain naturally because you want to

666
00:35:29,360 --> 00:35:32,960
Speaker 5: have it. So it's just a it's a leverage tool

667
00:35:33,000 --> 00:35:36,120
Speaker 5: in all ways. If you can afford it to have

668
00:35:36,160 --> 00:35:41,120
Speaker 5: a whole life policy just as that backup do a.

669
00:35:41,120 --> 00:35:41,680
Speaker 4: Lot with it.

670
00:35:42,280 --> 00:35:44,560
Speaker 1: So as let's say it's a listener and they're like,

671
00:35:44,600 --> 00:35:46,360
Speaker 1: I wouldn't even know the first place to go to

672
00:35:46,400 --> 00:35:49,440
Speaker 1: get a life insurance policy. What would they need to do? Like,

673
00:35:49,760 --> 00:35:51,239
Speaker 1: how would they go navigate? That?

674
00:35:52,160 --> 00:35:52,480
Speaker 4: Man?

675
00:35:53,360 --> 00:35:56,960
Speaker 5: Well, how it depends, right, because everybody's of different health

676
00:35:57,080 --> 00:36:03,200
Speaker 5: and different different means, like monetarily, right, So you should

677
00:36:03,200 --> 00:36:03,920
Speaker 5: do your research.

678
00:36:04,040 --> 00:36:04,239
Speaker 4: Right.

679
00:36:05,520 --> 00:36:09,239
Speaker 5: Unfortunately, somebody that does have presisting conditions, just know you're

680
00:36:09,280 --> 00:36:10,200
Speaker 5: about to pay more.

681
00:36:10,760 --> 00:36:14,800
Speaker 2: Right, what if your health changes after you get the policy,

682
00:36:14,880 --> 00:36:15,560
Speaker 2: doesn't matter.

683
00:36:15,480 --> 00:36:16,200
Speaker 4: That doesn't matter.

684
00:36:16,719 --> 00:36:19,799
Speaker 5: But if you're coming in with pre existing conditions, you

685
00:36:19,880 --> 00:36:23,960
Speaker 5: are absolutely gonna pay more, no matter your age bracket.

686
00:36:24,520 --> 00:36:26,560
Speaker 5: So say, for example, you're in your thirties and you

687
00:36:26,600 --> 00:36:30,560
Speaker 5: have pre existing conditions. This person that's healthy at thirties

688
00:36:30,680 --> 00:36:33,920
Speaker 5: might pay twenty dollars, you might pay sixty. That's just

689
00:36:34,000 --> 00:36:36,160
Speaker 5: how it goes. And typically that's going to have a clause,

690
00:36:36,200 --> 00:36:38,720
Speaker 5: so god forbid if you pass within that clause, again,

691
00:36:39,760 --> 00:36:41,120
Speaker 5: it's probably not going to be payable.

692
00:36:42,239 --> 00:36:44,759
Speaker 4: So you just have to do your research. You also, too,

693
00:36:44,840 --> 00:36:48,200
Speaker 4: you want to make sure that you know if you're

694
00:36:48,280 --> 00:36:50,120
Speaker 4: gone what you want to have paid off and what

695
00:36:50,160 --> 00:36:52,000
Speaker 4: you want to do with that money, because then you

696
00:36:52,040 --> 00:36:54,880
Speaker 4: can say, I need this amount of money that I

697
00:36:54,920 --> 00:36:57,640
Speaker 4: want to leave to cover me if I'm not here.

698
00:36:57,880 --> 00:37:00,640
Speaker 2: I'm so grateful for my mom because she is like

699
00:37:00,680 --> 00:37:03,400
Speaker 2: one of them people. She got like a Manila folder

700
00:37:04,000 --> 00:37:08,759
Speaker 2: with her policies, where the money at how she wanted,

701
00:37:08,840 --> 00:37:11,000
Speaker 2: like she already got her plots, all that stuff. One

702
00:37:11,040 --> 00:37:14,280
Speaker 2: of my best friends just lost her mom and her

703
00:37:14,360 --> 00:37:17,440
Speaker 2: sister are having to cover the cost of her mom's funeral,

704
00:37:17,960 --> 00:37:20,200
Speaker 2: which you know and debth and death. I don't want

705
00:37:20,239 --> 00:37:21,480
Speaker 2: to be a burden to anybody.

706
00:37:21,800 --> 00:37:25,239
Speaker 5: Nobody wants that burden. But again a lot of people

707
00:37:25,280 --> 00:37:26,879
Speaker 5: in our community are faced with that. And you see

708
00:37:26,920 --> 00:37:30,800
Speaker 5: gofundmes and these different fundraisers, the church plates on the

709
00:37:30,840 --> 00:37:34,080
Speaker 5: corner because Bobby just died, And again it just goes

710
00:37:34,120 --> 00:37:36,239
Speaker 5: back to that we just don't spend our money in

711
00:37:36,280 --> 00:37:36,920
Speaker 5: the right way.

712
00:37:37,520 --> 00:37:37,719
Speaker 4: You know.

713
00:37:38,680 --> 00:37:41,000
Speaker 5: We'll go to the bar by one hundred dollars worth

714
00:37:41,000 --> 00:37:43,600
Speaker 5: of drinks and still ain't got no life insurance, you know,

715
00:37:43,880 --> 00:37:45,239
Speaker 5: or health insurance for that matter.

716
00:37:45,400 --> 00:37:47,360
Speaker 1: What is death insurance, because that's.

717
00:37:47,200 --> 00:37:52,960
Speaker 5: The thing too, right, it's burial funeral, burial insurance which

718
00:37:52,960 --> 00:37:57,279
Speaker 5: is still another form of life insurance, but it's just

719
00:37:57,320 --> 00:37:59,680
Speaker 5: only goes up to a certain amount, like fifty thousand,

720
00:38:00,600 --> 00:38:04,120
Speaker 5: and as you age, that's the things that become only

721
00:38:04,160 --> 00:38:05,960
Speaker 5: available for people if they didn't get it when they

722
00:38:06,000 --> 00:38:07,799
Speaker 5: were young. They will only be able to get over

723
00:38:08,000 --> 00:38:10,120
Speaker 5: a certain amount, maybe forty thousand and fifty thousand at

724
00:38:10,120 --> 00:38:13,000
Speaker 5: the max. You know, I talked about I wanted to

725
00:38:13,200 --> 00:38:14,800
Speaker 5: It's not really a company because I don't even know

726
00:38:14,800 --> 00:38:18,640
Speaker 5: if it's legal or not, but door to door in

727
00:38:18,719 --> 00:38:21,920
Speaker 5: the hood, like hey, like, can I put life insurance

728
00:38:21,960 --> 00:38:24,440
Speaker 5: on your son? I'll pay the premium and bust it

729
00:38:24,480 --> 00:38:25,239
Speaker 5: down the middle when.

730
00:38:25,160 --> 00:38:28,239
Speaker 2: He dies, you know what I'm saying. Like, you know,

731
00:38:32,000 --> 00:38:33,600
Speaker 2: but I think the problem would come in because it's

732
00:38:33,640 --> 00:38:37,279
Speaker 2: coming in families, right. One person's paying a policy and

733
00:38:37,320 --> 00:38:39,560
Speaker 2: everybody wanting what the money at when this person died?

734
00:38:39,560 --> 00:38:41,200
Speaker 4: Did you help pay that policy at all?

735
00:38:41,600 --> 00:38:43,120
Speaker 2: Why are you concerned about what they're doing with the

736
00:38:43,120 --> 00:38:44,560
Speaker 2: money if you didn't help pay the policy?

737
00:38:45,760 --> 00:38:46,280
Speaker 4: Correct?

738
00:38:46,360 --> 00:38:52,120
Speaker 5: But you know, I think that when people die, you're

739
00:38:53,040 --> 00:38:56,040
Speaker 5: I think it's just a poor feeling that people have

740
00:38:56,120 --> 00:38:59,120
Speaker 5: in general that you should get something.

741
00:38:59,160 --> 00:39:00,560
Speaker 4: Now this person's not here.

742
00:39:00,840 --> 00:39:03,200
Speaker 2: Right, so I want to assure that the niggas in

743
00:39:03,239 --> 00:39:07,120
Speaker 2: the hood kids are being taken care of and somebody's

744
00:39:07,200 --> 00:39:09,959
Speaker 2: benefiting from your death. You're dying at thirty years old

745
00:39:09,920 --> 00:39:11,600
Speaker 2: and no life insurance, but you got all these kids

746
00:39:11,640 --> 00:39:14,920
Speaker 2: out here, and then somebody has to do GoFundMe or whatever.

747
00:39:15,000 --> 00:39:16,960
Speaker 2: But what if there was someone? I feel like white

748
00:39:16,960 --> 00:39:18,840
Speaker 2: people do that all the time. Remember those two old ladies.

749
00:39:18,920 --> 00:39:22,640
Speaker 2: So let me killing homeless men. Let me tell you why.

750
00:39:22,640 --> 00:39:24,040
Speaker 1: I remember, I don't want to kill him.

751
00:39:24,120 --> 00:39:25,759
Speaker 2: I mean, pook, you gonna do well?

752
00:39:26,000 --> 00:39:28,239
Speaker 5: I think it was something on Netflix about that. But

753
00:39:28,360 --> 00:39:30,399
Speaker 5: let me tell you why that's illegal. Because it's about

754
00:39:30,440 --> 00:39:32,799
Speaker 5: insurable interests, right, So like.

755
00:39:32,840 --> 00:39:34,440
Speaker 4: I don't know these niggas.

756
00:39:34,719 --> 00:39:37,399
Speaker 2: Yeah, if you don't know these niggas, then they were

757
00:39:37,440 --> 00:39:40,880
Speaker 2: like you don't know these niggas, Like I seen you.

758
00:39:42,040 --> 00:39:44,080
Speaker 5: I paid into the pos matter. It's all about an

759
00:39:44,080 --> 00:39:47,040
Speaker 5: insurable interest, right. So let me give you examples of

760
00:39:47,120 --> 00:39:49,680
Speaker 5: people that you have in shurable interests on. You would

761
00:39:49,719 --> 00:39:53,040
Speaker 5: have insurable interest on your mom. You're her daughter, right,

762
00:39:53,440 --> 00:39:56,359
Speaker 5: you and Tammy actually having shurable interests on each other

763
00:39:56,400 --> 00:39:57,800
Speaker 5: because you guys have a business together.

764
00:39:58,440 --> 00:39:58,680
Speaker 2: Right.

765
00:40:00,239 --> 00:40:02,200
Speaker 4: Let me tell you who you don't have insurable interests

766
00:40:02,200 --> 00:40:05,560
Speaker 4: over nobody else in here, right, nobody else in here.

767
00:40:05,640 --> 00:40:07,839
Speaker 2: It's my friend. He signed it. He let me sign

768
00:40:07,840 --> 00:40:13,440
Speaker 2: it up. Like why not. Watch he can do the policy.

769
00:40:13,880 --> 00:40:16,440
Speaker 5: He can do the policy and leave you as a beneficiary.

770
00:40:16,480 --> 00:40:19,160
Speaker 5: But you cannot sign him up for a policy.

771
00:40:19,640 --> 00:40:20,280
Speaker 4: It's illegal.

772
00:40:20,360 --> 00:40:24,200
Speaker 2: It's about what about with him knowing I can do it? Right? No, No,

773
00:40:24,560 --> 00:40:26,239
Speaker 2: it's all about in.

774
00:40:26,480 --> 00:40:29,279
Speaker 1: So what about like these record labels, Like there's all

775
00:40:29,280 --> 00:40:31,399
Speaker 1: these stories about record labels, like.

776
00:40:31,320 --> 00:40:35,200
Speaker 5: That's the Gucci Man story, right, Yeah, and they said

777
00:40:35,200 --> 00:40:37,280
Speaker 5: there was a life policy somewhere of a certain amount.

778
00:40:37,480 --> 00:40:40,000
Speaker 4: Everybody was mad. The reason why he could do that,

779
00:40:41,440 --> 00:40:44,000
Speaker 4: or even young Dolf, right, But the reason why Gucci

780
00:40:44,000 --> 00:40:45,640
Speaker 4: Man could do that because again it goes back to

781
00:40:45,680 --> 00:40:49,120
Speaker 4: the conversation, we're just having it's insurable interest. Now I

782
00:40:49,239 --> 00:40:52,239
Speaker 4: have this artist is underneath me. I have invested in

783
00:40:52,239 --> 00:40:54,719
Speaker 4: this person. This person is now my business.

784
00:40:55,080 --> 00:40:57,680
Speaker 5: So if all the money I invest in this person,

785
00:40:57,760 --> 00:41:00,920
Speaker 5: this person shall pass away before I cool my advances.

786
00:41:01,680 --> 00:41:05,879
Speaker 1: Then But wouldn't it be like a scheme to, you know,

787
00:41:06,320 --> 00:41:09,439
Speaker 1: get these rappers who have like a like a dark

788
00:41:09,560 --> 00:41:14,640
Speaker 1: sound and get insurance policy on them, put their music

789
00:41:14,680 --> 00:41:17,120
Speaker 1: out for a year and then get them killed so

790
00:41:17,160 --> 00:41:19,360
Speaker 1: you can get insurance for the money.

791
00:41:19,560 --> 00:41:21,719
Speaker 5: I mean, it could be, but you know I wasn't.

792
00:41:21,760 --> 00:41:24,080
Speaker 5: I'm not thinking that far. But you know, if we're

793
00:41:24,080 --> 00:41:26,040
Speaker 5: gonna be honest, you know who are.

794
00:41:25,960 --> 00:41:27,839
Speaker 1: Who are thinking who's it is? But you know who

795
00:41:28,000 --> 00:41:28,719
Speaker 1: is thinking that far?

796
00:41:29,160 --> 00:41:32,839
Speaker 2: These motherfuckers right here, they way more cerebral than us.

797
00:41:32,840 --> 00:41:35,680
Speaker 2: So anything they do they really using their mind. Okay,

798
00:41:38,000 --> 00:41:40,640
Speaker 2: when Alia died, they said her uncle like had some

799
00:41:40,840 --> 00:41:43,320
Speaker 2: crazy ass policy on her when she's out of that

800
00:41:43,360 --> 00:41:44,680
Speaker 2: plane because she's a business.

801
00:41:44,680 --> 00:41:49,800
Speaker 5: Because again, but again again, these artists are become a business,

802
00:41:50,480 --> 00:41:52,960
Speaker 5: right and so that's how Gucci man, I think that

803
00:41:53,160 --> 00:41:54,719
Speaker 5: I don't know the boy named that just die can't

804
00:41:54,760 --> 00:41:58,640
Speaker 5: remember he was able to do that because this person

805
00:41:58,719 --> 00:42:00,239
Speaker 5: is now a business.

806
00:42:00,040 --> 00:42:00,560
Speaker 4: It's for him.

807
00:42:00,600 --> 00:42:06,880
Speaker 2: But that they may not know absolutely yes, So okay,

808
00:42:06,920 --> 00:42:08,719
Speaker 2: so if it's ensurable interest, and you can write it

809
00:42:08,760 --> 00:42:13,520
Speaker 2: into a contract without the person knowing, they.

810
00:42:13,400 --> 00:42:15,160
Speaker 5: Have to have lawyers to vet these things. And if

811
00:42:15,160 --> 00:42:18,360
Speaker 5: you're signing something without vetting it. And again it makes

812
00:42:18,360 --> 00:42:21,560
Speaker 5: sense if I just invested one hundred thousand dollars in

813
00:42:21,600 --> 00:42:24,600
Speaker 5: you and you die, and you die, I'm going with

814
00:42:24,760 --> 00:42:27,560
Speaker 5: wherever that debt comes from, Like, I'm still responsible for it,

815
00:42:27,640 --> 00:42:30,920
Speaker 5: so yes, I should have something that protects me in

816
00:42:30,960 --> 00:42:32,920
Speaker 5: the in that event, it makes sense.

817
00:42:33,080 --> 00:42:35,359
Speaker 2: Yeah, absolutely it does. It does.

818
00:42:35,680 --> 00:42:37,480
Speaker 1: But it's just crazy. You can see how I could

819
00:42:37,480 --> 00:42:38,440
Speaker 1: be a scam though.

820
00:42:38,320 --> 00:42:41,759
Speaker 2: One exactly in one Regulabel in particular, which people say

821
00:42:41,840 --> 00:42:44,040
Speaker 2: is not a regulator. It's just they have partnerships with

822
00:42:44,080 --> 00:42:48,600
Speaker 2: these people. But Empire Records is one of those places

823
00:42:48,600 --> 00:42:51,799
Speaker 2: where there's been so many different artists that have passed away.

824
00:42:51,880 --> 00:42:53,560
Speaker 2: Who's on Empire Records.

825
00:42:53,560 --> 00:42:54,000
Speaker 4: I don't know.

826
00:42:54,160 --> 00:43:00,239
Speaker 2: Dolph is on there. Yeah, a few of them that

827
00:43:00,320 --> 00:43:01,120
Speaker 2: have passed away.

828
00:43:01,120 --> 00:43:02,480
Speaker 1: We're all on.

829
00:43:02,640 --> 00:43:06,000
Speaker 2: So it's supposedly supposedly a distribution company, but they also

830
00:43:06,800 --> 00:43:10,319
Speaker 2: have record deals with people. Right, So I'm giving you

831
00:43:10,400 --> 00:43:14,959
Speaker 2: upfront money, right, and something happens to you, my life

832
00:43:14,960 --> 00:43:17,239
Speaker 2: insurance policy on you is bigger than the money I

833
00:43:17,280 --> 00:43:19,879
Speaker 2: gave you. Why not get you to because you gotta

834
00:43:19,920 --> 00:43:24,320
Speaker 2: think like they also, yes, I gave you this amount,

835
00:43:24,320 --> 00:43:26,640
Speaker 2: but I have to make a certain amount back, right,

836
00:43:26,719 --> 00:43:27,200
Speaker 2: So they.

837
00:43:27,120 --> 00:43:29,560
Speaker 5: Didn't just give these people money. They always gave them

838
00:43:29,640 --> 00:43:31,600
Speaker 5: money with the intent of making a certain amount. So

839
00:43:31,640 --> 00:43:33,920
Speaker 5: I'm sure those policies.

840
00:43:33,480 --> 00:43:38,000
Speaker 4: Match whatever they said they were supposed to make back

841
00:43:38,120 --> 00:43:41,759
Speaker 4: or expected to make back if things went well. So

842
00:43:42,080 --> 00:43:43,440
Speaker 4: it makes again, it makes sense.

843
00:43:43,880 --> 00:43:46,200
Speaker 1: But I could have I spent one hundred thousand, but

844
00:43:46,280 --> 00:43:48,680
Speaker 1: I expect to make a million with ain't.

845
00:43:48,680 --> 00:43:51,080
Speaker 2: Howgo and you didn't make me a million, so let

846
00:43:51,120 --> 00:43:51,640
Speaker 2: me go ahead.

847
00:43:51,640 --> 00:43:55,160
Speaker 5: And here, I mean, you know, I hate to say

848
00:43:55,200 --> 00:43:58,040
Speaker 5: it like that, but sorry that somebody passed away.

849
00:43:58,120 --> 00:44:00,560
Speaker 4: But there's still expectations on other side of that.

850
00:44:00,680 --> 00:44:09,320
Speaker 1: So fortunately, yeah, can we get into health insurance?

851
00:44:09,400 --> 00:44:09,600
Speaker 4: Yes?

852
00:44:09,600 --> 00:44:11,640
Speaker 2: Please go on, because I paid seven dollars a month,

853
00:44:12,080 --> 00:44:13,719
Speaker 2: and don't be hating. I want to talk.

854
00:44:13,800 --> 00:44:19,399
Speaker 1: I want to Obamacare. Yeah, so weaven Obamacare. So there

855
00:44:19,400 --> 00:44:21,919
Speaker 1: were a lot of people like upset when Obamacare came

856
00:44:21,960 --> 00:44:24,680
Speaker 1: out and they felt like it was like a problem

857
00:44:24,719 --> 00:44:28,200
Speaker 1: for our American economy for that to happen. What are

858
00:44:28,239 --> 00:44:30,800
Speaker 1: your thoughts on Affordable Health Care Act?

859
00:44:31,040 --> 00:44:34,960
Speaker 5: I think it's a great thing because if you guys

860
00:44:35,000 --> 00:44:38,640
Speaker 5: remember some of you guys remember over a little bit

861
00:44:38,640 --> 00:44:41,680
Speaker 5: over ten years ago, if you had presistant conditions, you

862
00:44:41,680 --> 00:44:44,520
Speaker 5: didn't qualify for health insurance, right, so all these people

863
00:44:44,560 --> 00:44:47,880
Speaker 5: with chronic illnesses like MS, you know, for example, or

864
00:44:47,920 --> 00:44:51,200
Speaker 5: loopis God forbid, you got diagnosed with cancer, you were

865
00:44:51,239 --> 00:44:54,840
Speaker 5: now unensurable for health care. That's the biggest deal about

866
00:44:55,200 --> 00:44:59,319
Speaker 5: the Affordable Care Act. It gave the opportunity for individuals

867
00:44:59,320 --> 00:45:01,839
Speaker 5: to have insurance that actually needed the care.

868
00:45:02,080 --> 00:45:03,560
Speaker 4: M Yeah. You know.

869
00:45:04,280 --> 00:45:07,000
Speaker 5: Unfortunately, my mom she passed away before there was anything

870
00:45:07,080 --> 00:45:08,640
Speaker 5: like that, and she had a heart condition. She did

871
00:45:08,680 --> 00:45:12,040
Speaker 5: not qualify for health insurance, so everything was out of pocket.

872
00:45:13,680 --> 00:45:16,600
Speaker 5: So being in that type of situation and seeing s

873
00:45:16,880 --> 00:45:21,680
Speaker 5: f firsthand somebody who could have benefited from that because

874
00:45:21,680 --> 00:45:23,279
Speaker 5: she couldn't even afford the prescriptions there were like a

875
00:45:23,360 --> 00:45:24,440
Speaker 5: hundred dollars a month.

876
00:45:24,760 --> 00:45:28,800
Speaker 2: You know, or more with four kids. Four kids, Yeah,

877
00:45:28,920 --> 00:45:32,560
Speaker 2: that's unfortunate. Yeah, I I mean, I agree that most countries,

878
00:45:32,840 --> 00:45:35,320
Speaker 2: you know, people act like America's just such this great place.

879
00:45:36,600 --> 00:45:38,680
Speaker 2: You know, in other countries, you got eighteen year olds

880
00:45:38,680 --> 00:45:40,719
Speaker 2: at ride Rod and Lambow's. That's just regular day to

881
00:45:40,760 --> 00:45:43,680
Speaker 2: day business for them. America is not that fucking great.

882
00:45:43,680 --> 00:45:45,920
Speaker 2: We do not have universal health care. Oh, we do

883
00:45:46,000 --> 00:45:49,000
Speaker 2: have Obama Care now or what is the it's called

884
00:45:49,000 --> 00:45:51,440
Speaker 2: the Affordable Care Affordable Care Act. So the only thing

885
00:45:51,480 --> 00:45:53,520
Speaker 2: I didn't like about the Affordable Care Act is where

886
00:45:53,960 --> 00:45:57,680
Speaker 2: you were penalized for uh, for not having insurance in

887
00:45:57,719 --> 00:45:59,240
Speaker 2: your taxes like you had to file.

888
00:45:59,719 --> 00:46:01,920
Speaker 5: Because it was forcing people to do something for themselves

889
00:46:02,000 --> 00:46:07,440
Speaker 5: because and the reason why is preventive health. Some of

890
00:46:07,480 --> 00:46:11,879
Speaker 5: those plans were not affordable. Now it's not affordable, right,

891
00:46:11,960 --> 00:46:15,920
Speaker 5: but go ahead and thank your former president for that.

892
00:46:16,000 --> 00:46:17,600
Speaker 4: He broke a tax law.

893
00:46:18,080 --> 00:46:21,880
Speaker 5: And so the insurance companies because they're having a higher

894
00:46:21,960 --> 00:46:24,239
Speaker 5: risk rate and they have to up the money where

895
00:46:24,280 --> 00:46:26,560
Speaker 5: they're getting it from because now they have to ensure

896
00:46:26,600 --> 00:46:29,640
Speaker 5: these people. Before they would just deny them no cancer

897
00:46:29,719 --> 00:46:32,720
Speaker 5: treatment for you, right, So they still have to recoup

898
00:46:32,760 --> 00:46:34,440
Speaker 5: the money for spending on all these people that have

899
00:46:34,440 --> 00:46:35,320
Speaker 5: different conditions.

900
00:46:35,520 --> 00:46:37,920
Speaker 4: You know a lot of our people have diabetes, right.

901
00:46:38,320 --> 00:46:41,919
Speaker 5: That's a very expensive disease, and they have to cover

902
00:46:41,960 --> 00:46:44,000
Speaker 5: these people when they did not have to do that. So,

903
00:46:44,600 --> 00:46:48,160
Speaker 5: I mean it makes sense. But you know, even though

904
00:46:48,280 --> 00:46:51,239
Speaker 5: given an example of my father, right he was under

905
00:46:51,239 --> 00:46:56,000
Speaker 5: the ACA, his job didn't have insurance and anyway he

906
00:46:56,040 --> 00:47:00,480
Speaker 5: went into the hospital for or whatever, his AD was

907
00:47:00,480 --> 00:47:02,640
Speaker 5: twenty five hundred. He hit the deductible, but the bill

908
00:47:02,680 --> 00:47:05,080
Speaker 5: was almost forty thousand. The only thing he was required

909
00:47:05,080 --> 00:47:07,759
Speaker 5: to pay was the twenty five hundred deductible, it has

910
00:47:07,800 --> 00:47:10,279
Speaker 5: a benefit, and everything after that was paid for one

911
00:47:10,360 --> 00:47:14,280
Speaker 5: hundred percent underneath the Affordable Care Act. So absolutely it's great,

912
00:47:14,680 --> 00:47:17,520
Speaker 5: right because the number one debt that most of us

913
00:47:17,600 --> 00:47:20,799
Speaker 5: carry is a medical debt. It's not from credit cards,

914
00:47:20,800 --> 00:47:22,600
Speaker 5: it's not from car notes, it's not from homes the

915
00:47:22,680 --> 00:47:25,920
Speaker 5: student loans. It's actually medical debt. So this is helping

916
00:47:25,960 --> 00:47:28,160
Speaker 5: people not get into medical debt.

917
00:47:28,400 --> 00:47:30,800
Speaker 2: I feel like as a whole, it's medical tyranty anyway.

918
00:47:30,840 --> 00:47:34,719
Speaker 2: It's just like the doctor's office. The hospitals are overcharging

919
00:47:35,160 --> 00:47:38,160
Speaker 2: insurance companies, so that's driving rates up and stuff like that,

920
00:47:38,200 --> 00:47:41,920
Speaker 2: like the amount you pay for health care in America.

921
00:47:42,000 --> 00:47:44,240
Speaker 2: Just like a simple procedure, you can go to another

922
00:47:44,280 --> 00:47:46,279
Speaker 2: country and get the same procedure at half the price.

923
00:47:46,360 --> 00:47:47,520
Speaker 2: What will it be quality of care?

924
00:47:48,000 --> 00:47:51,480
Speaker 1: Yeah, And I'll speak to that because when I was

925
00:47:51,520 --> 00:47:54,320
Speaker 1: living in England's when I got diagnosed with my MS

926
00:47:54,360 --> 00:47:56,600
Speaker 1: and I was in the hospital there for two weeks

927
00:47:56,840 --> 00:48:00,719
Speaker 1: and it's free, but baby, that shit feel every bit

928
00:48:00,760 --> 00:48:03,759
Speaker 1: of free. I was ready to come home and just

929
00:48:03,840 --> 00:48:05,800
Speaker 1: take my chances there because they was feeding me the

930
00:48:05,920 --> 00:48:08,120
Speaker 1: rice Chrispy trees. Here here, in the morning. But no, right,

931
00:48:08,200 --> 00:48:09,080
Speaker 1: it wasn't the treats.

932
00:48:09,360 --> 00:48:13,399
Speaker 2: It was just a little bitch. I was like, give

933
00:48:13,440 --> 00:48:14,040
Speaker 2: me the fuck out.

934
00:48:15,400 --> 00:48:18,040
Speaker 1: It's just like the dry little rice pieces with like

935
00:48:18,080 --> 00:48:21,440
Speaker 1: some water milk. I was like, is this breakfast? Is

936
00:48:21,480 --> 00:48:23,759
Speaker 1: there no eggs and bacon in this motherfucker like it?

937
00:48:23,800 --> 00:48:28,520
Speaker 1: And then it was like literally six of us, six

938
00:48:28,560 --> 00:48:31,160
Speaker 1: beds lined up on one side and six beds lined

939
00:48:31,200 --> 00:48:33,040
Speaker 1: up on the other side, and we're all in the

940
00:48:33,080 --> 00:48:40,520
Speaker 1: same room. And there was there was a woman across

941
00:48:40,520 --> 00:48:42,960
Speaker 1: from me. It was an all white lady, and she

942
00:48:43,040 --> 00:48:45,960
Speaker 1: said her name was Miss Showing and I was miss Bowing.

943
00:48:46,080 --> 00:48:47,960
Speaker 1: So every now when they were coming in and hollering

944
00:48:48,000 --> 00:48:50,640
Speaker 1: at people, she would be screaming for my medication and

945
00:48:50,640 --> 00:48:54,000
Speaker 1: I'd be like, that's my mad stop. She's like, I'm

946
00:48:54,040 --> 00:48:59,480
Speaker 1: the white one. But and then people would be in

947
00:48:59,520 --> 00:49:02,560
Speaker 1: there moaning night. It was just a miserable experience. And

948
00:49:02,640 --> 00:49:05,319
Speaker 1: I think it's because it's free, So it is we

949
00:49:05,360 --> 00:49:06,840
Speaker 1: got to find a balance, you know.

950
00:49:07,719 --> 00:49:10,879
Speaker 5: I think, you know, from a professional lens, I think

951
00:49:10,920 --> 00:49:13,479
Speaker 5: there is a balance. I think people just make poor

952
00:49:13,560 --> 00:49:17,200
Speaker 5: choices with the health insurance that they choose, right, So

953
00:49:17,320 --> 00:49:22,359
Speaker 5: like it's confusing, right, it's meant to be sometimes. No,

954
00:49:22,480 --> 00:49:26,080
Speaker 5: think about what you need, right, think about where you

955
00:49:26,120 --> 00:49:30,480
Speaker 5: are with your health with if something happened to you,

956
00:49:30,520 --> 00:49:33,279
Speaker 5: what you were comfortable paying for, like really think about

957
00:49:33,320 --> 00:49:35,200
Speaker 5: it before you go. Just sign up for a plan

958
00:49:35,239 --> 00:49:37,400
Speaker 5: because it's seven dollars, because.

959
00:49:38,960 --> 00:49:44,120
Speaker 2: You know, I know that's typically the bottom level bronze plan.

960
00:49:44,239 --> 00:49:46,919
Speaker 2: It got a ten thousand dollars deductible. Can you really

961
00:49:46,960 --> 00:49:49,560
Speaker 2: afford log? And can you really afford to pay that

962
00:49:49,640 --> 00:49:52,040
Speaker 2: if something happens? No? And ten thousand dollars.

963
00:49:51,880 --> 00:49:52,520
Speaker 1: A long way.

964
00:49:52,920 --> 00:49:54,279
Speaker 2: If it's like what if?

965
00:49:54,440 --> 00:49:57,719
Speaker 4: Yeah, right, listen, you pay for the car insurance each

966
00:49:57,880 --> 00:49:59,600
Speaker 4: month for years on a what if?

967
00:49:59,640 --> 00:50:02,680
Speaker 2: You don't question it? It's the same thing, can you not?

968
00:50:03,239 --> 00:50:03,600
Speaker 4: Okay?

969
00:50:03,760 --> 00:50:05,040
Speaker 2: Just like anything else, any other debt.

970
00:50:05,080 --> 00:50:05,440
Speaker 4: I feel like.

971
00:50:05,440 --> 00:50:08,120
Speaker 2: Everything in life is negotiable, right, So yes, I go

972
00:50:08,239 --> 00:50:10,440
Speaker 2: to the doctor, I get this crazy ass bill. I

973
00:50:10,480 --> 00:50:13,280
Speaker 2: can't call and negotiate this debt with the insurance company,

974
00:50:13,280 --> 00:50:15,520
Speaker 2: I mean not insurance company, but with the hospital because

975
00:50:15,560 --> 00:50:18,879
Speaker 2: I know they literally I know I have some MD friends, right,

976
00:50:18,920 --> 00:50:21,759
Speaker 2: and they tell me they overcharge and then they negotiated

977
00:50:21,800 --> 00:50:24,759
Speaker 2: with the insurance company. They do, but then that has

978
00:50:24,760 --> 00:50:27,160
Speaker 2: paid out of pocket, but that's on you. Like so

979
00:50:27,360 --> 00:50:30,560
Speaker 2: for example I did that before, you know where my

980
00:50:30,640 --> 00:50:33,879
Speaker 2: insurance was not worth me filing it because I would

981
00:50:33,880 --> 00:50:36,439
Speaker 2: pay more money, Like I could pay fifty dollars every

982
00:50:36,440 --> 00:50:39,120
Speaker 2: time I can't win, or I could pay a battery

983
00:50:39,160 --> 00:50:42,360
Speaker 2: of test and it cost me seven hundred underneath my insurance.

984
00:50:42,400 --> 00:50:45,400
Speaker 2: Sometimes you just got to ask more questions, right, you know,

985
00:50:46,360 --> 00:50:50,239
Speaker 2: it's not always beneficial to foul certain things underneath your

986
00:50:50,280 --> 00:50:51,520
Speaker 2: health insurance.

987
00:50:51,080 --> 00:50:53,319
Speaker 4: If you have the cash to pay for it.

988
00:50:54,160 --> 00:50:54,440
Speaker 2: Right.

989
00:50:55,080 --> 00:50:57,920
Speaker 5: But you also, again going back to what I'm saying,

990
00:50:58,600 --> 00:51:01,840
Speaker 5: instead of taking a cheap route, get you a quality

991
00:51:01,880 --> 00:51:04,480
Speaker 5: plan that may cost you a little bit more money.

992
00:51:04,520 --> 00:51:07,120
Speaker 5: And you know, yes, you might have a thousand dollars

993
00:51:07,160 --> 00:51:10,640
Speaker 5: two thousand dollars deductible, but that'll go quick. You don't

994
00:51:10,640 --> 00:51:12,600
Speaker 5: want to be in a money pit of something that

995
00:51:12,840 --> 00:51:15,960
Speaker 5: a ten thousand dollars deductible. God forbid, that's surgeries, that's

996
00:51:16,040 --> 00:51:19,400
Speaker 5: days in the hospital. You know, that's prescriptions and you

997
00:51:19,440 --> 00:51:21,160
Speaker 5: still might not hit it, and you gotta start over

998
00:51:21,200 --> 00:51:23,680
Speaker 5: each year on that. It's just not worth it. So

999
00:51:23,760 --> 00:51:30,360
Speaker 5: you should always think about that, weighing the benefits are

1000
00:51:30,400 --> 00:51:32,680
Speaker 5: paying a little bit more, but paying a little bit

1001
00:51:32,719 --> 00:51:33,520
Speaker 5: less on the back end.

1002
00:51:33,560 --> 00:51:34,960
Speaker 4: And I think that's where people mess up.

1003
00:51:35,480 --> 00:51:37,400
Speaker 1: What is supplemental insurance.

1004
00:51:37,960 --> 00:51:41,200
Speaker 5: Supplemental insurance is everything else is what I call it.

1005
00:51:41,200 --> 00:51:45,040
Speaker 5: It's all your living benefits, right, so it's things.

1006
00:51:44,760 --> 00:51:46,200
Speaker 4: That pay you while you're here.

1007
00:51:46,719 --> 00:51:49,840
Speaker 5: So it's more of like, you know, God forbid you

1008
00:51:49,840 --> 00:51:52,640
Speaker 5: got diagnosed with a major condition, say for example, you

1009
00:51:52,640 --> 00:51:55,960
Speaker 5: had a heart attack. You know, it might pay twenty

1010
00:51:56,000 --> 00:51:58,600
Speaker 5: thousand dollars thirty thousand dollars to you directly. And most

1011
00:51:58,600 --> 00:52:01,279
Speaker 5: of these people they're eventually gonna go back to work, right,

1012
00:52:01,360 --> 00:52:06,120
Speaker 5: but it helps cover medical expenses, it can go towards mortgages, rents,

1013
00:52:06,160 --> 00:52:08,200
Speaker 5: your daily expenses until you're.

1014
00:52:08,040 --> 00:52:08,919
Speaker 4: Able to go back.

1015
00:52:09,680 --> 00:52:12,600
Speaker 5: A lot of people that you know, have things happen,

1016
00:52:12,800 --> 00:52:16,719
Speaker 5: do not have the appropriate savings to cover themselves.

1017
00:52:16,920 --> 00:52:20,919
Speaker 1: So the FLAC insurance policy that got me to get

1018
00:52:21,920 --> 00:52:22,120
Speaker 1: it is.

1019
00:52:22,120 --> 00:52:23,520
Speaker 4: A form of supplemental insurances.

1020
00:52:23,520 --> 00:52:28,080
Speaker 5: They have different types, so they have, you know, accidental coverage,

1021
00:52:28,080 --> 00:52:30,040
Speaker 5: which will cover somebody if they're injured on or off

1022
00:52:30,040 --> 00:52:33,719
Speaker 5: the job. Typically those covers, those coverages also have an

1023
00:52:33,760 --> 00:52:36,120
Speaker 5: accidental death benefit in it as well, so if someone

1024
00:52:36,160 --> 00:52:39,080
Speaker 5: died from an injury that money isn't built into that

1025
00:52:39,120 --> 00:52:42,520
Speaker 5: type of policy. You know, they got cancer coverages, so

1026
00:52:42,600 --> 00:52:45,640
Speaker 5: god forbid someone got diagnosed with cancer. You can be

1027
00:52:45,760 --> 00:52:50,000
Speaker 5: paid out for the treatments, for being diagnosed, everything like that.

1028
00:52:50,120 --> 00:52:53,760
Speaker 1: So cancer coverage you would get that after you get cancer.

1029
00:52:55,000 --> 00:52:57,120
Speaker 1: The condition conversations wearing to be like, hey, I'm gonna

1030
00:52:57,120 --> 00:52:59,439
Speaker 1: get cancer coverage just in case. That's kind of where

1031
00:52:59,520 --> 00:52:59,840
Speaker 1: Why is it?

1032
00:53:00,000 --> 00:53:03,600
Speaker 2: Why does that even exist in America? I understand why. Okay,

1033
00:53:03,800 --> 00:53:06,680
Speaker 2: so I understand why exists because obviously people get cancer, right,

1034
00:53:07,200 --> 00:53:11,839
Speaker 2: but could you imagine them creating these cancers to then

1035
00:53:11,920 --> 00:53:13,520
Speaker 2: have to get insurance for it.

1036
00:53:13,520 --> 00:53:15,920
Speaker 4: It's just really weird. You don't have to, but if

1037
00:53:15,960 --> 00:53:17,759
Speaker 4: you're smart, you would because.

1038
00:53:17,640 --> 00:53:19,960
Speaker 1: You feel like all of us should just have coverage.

1039
00:53:20,200 --> 00:53:22,759
Speaker 5: Absolutely, I have one. I don't have cancer history in

1040
00:53:22,800 --> 00:53:25,239
Speaker 5: my family right, but being in the field that I am,

1041
00:53:25,280 --> 00:53:29,000
Speaker 5: I'm telling you guys, it's simple. As I went to

1042
00:53:29,000 --> 00:53:32,719
Speaker 5: a doctor to go get my regular mammoground, you're doing

1043
00:53:32,719 --> 00:53:34,680
Speaker 5: something that you would have done every time they're like, ah,

1044
00:53:34,719 --> 00:53:38,000
Speaker 5: wes see something here. You need to get into other testing.

1045
00:53:39,560 --> 00:53:42,359
Speaker 5: You get diagnosed that quick, you're not thinking of it.

1046
00:53:43,239 --> 00:53:45,920
Speaker 5: Somebody that had a heart attack. Didn't I think they

1047
00:53:46,000 --> 00:53:47,160
Speaker 5: was going to have a heart attack in the day

1048
00:53:47,160 --> 00:53:50,319
Speaker 5: that they had the heart attack. You know, you don't

1049
00:53:50,360 --> 00:53:51,360
Speaker 5: know what's gonna happen.

1050
00:53:51,480 --> 00:53:56,000
Speaker 2: That's manifested some bullshit. I don't want it or or

1051
00:53:56,480 --> 00:53:58,560
Speaker 2: or it's being prevented here and yet and it's preparing

1052
00:53:58,560 --> 00:54:00,240
Speaker 2: yourself for whatever it may come your way.

1053
00:54:00,960 --> 00:54:05,640
Speaker 4: Again, we just don't know what it is vegan way,

1054
00:54:06,600 --> 00:54:08,479
Speaker 4: You don't. You don't know where it.

1055
00:54:08,440 --> 00:54:10,640
Speaker 2: Is because there's a food that's causing people to have.

1056
00:54:10,880 --> 00:54:12,799
Speaker 4: But we can say that, but then you can think

1057
00:54:12,800 --> 00:54:14,840
Speaker 4: about all the buildings that had the best deciding that

1058
00:54:14,880 --> 00:54:15,520
Speaker 4: we were in.

1059
00:54:15,600 --> 00:54:18,440
Speaker 2: The best those bestest.

1060
00:54:18,840 --> 00:54:21,360
Speaker 5: I can't say, but that you know, I went to,

1061
00:54:21,560 --> 00:54:26,080
Speaker 5: you know, the university I went to had you know, uh,

1062
00:54:26,719 --> 00:54:27,320
Speaker 5: the classrooms.

1063
00:54:27,360 --> 00:54:29,400
Speaker 2: The classrooms were the best in it.

1064
00:54:30,040 --> 00:54:31,480
Speaker 4: And guess what they want to cut on the A C.

1065
00:54:31,640 --> 00:54:33,880
Speaker 4: But we were still in those classrooms and you know

1066
00:54:34,160 --> 00:54:39,160
Speaker 4: that's school probably, But I improve.

1067
00:54:40,840 --> 00:54:42,680
Speaker 5: Class action is good and everything, but I got to

1068
00:54:42,719 --> 00:54:44,759
Speaker 5: get through this cancer treatment hopefully to make it to

1069
00:54:44,800 --> 00:54:48,360
Speaker 5: the class action suit. You know, like this life is

1070
00:54:48,440 --> 00:54:52,080
Speaker 5: fucking stressful, it is, but you know, it's just being

1071
00:54:52,120 --> 00:54:57,480
Speaker 5: preventive and to be quite honest. Like, the more I'm

1072
00:54:57,520 --> 00:55:04,080
Speaker 5: in this business, younger people are getting diagnosed thirties, thirties, twenties, passing.

1073
00:55:03,760 --> 00:55:06,320
Speaker 2: A wet year alone. I know so many people, and

1074
00:55:06,360 --> 00:55:09,000
Speaker 2: I don't know. If I don't know, isn't normal? Could

1075
00:55:09,040 --> 00:55:11,400
Speaker 2: because we are getting old, right, but I just feel

1076
00:55:11,400 --> 00:55:15,359
Speaker 2: like dying in your forties. It's fucking weird. How many

1077
00:55:15,400 --> 00:55:18,760
Speaker 2: people are dropping dead from strokes, heart attacks?

1078
00:55:18,800 --> 00:55:20,960
Speaker 4: What they say, we live differently than our parents did,

1079
00:55:21,000 --> 00:55:21,960
Speaker 4: so we actually.

1080
00:55:21,640 --> 00:55:24,400
Speaker 1: Do more walk enough, We're probably under more stress.

1081
00:55:24,920 --> 00:55:29,680
Speaker 4: We do more at risk behaviors as well, yep, than

1082
00:55:29,719 --> 00:55:30,439
Speaker 4: our parents did.

1083
00:55:30,920 --> 00:55:36,640
Speaker 2: Who thought that was smoking crack? Yeah, but they crack

1084
00:55:36,719 --> 00:55:39,120
Speaker 2: really didn't kill people. Yeah, it's just I know a

1085
00:55:39,120 --> 00:55:41,120
Speaker 2: lot of crack hands died. It just cancer, like they

1086
00:55:41,160 --> 00:55:42,960
Speaker 2: just ended up with cancer or something later on. But

1087
00:55:43,280 --> 00:55:44,520
Speaker 2: crack really didn't kill.

1088
00:55:44,400 --> 00:55:47,320
Speaker 4: Him, No, it wasn't. But so yeah, we're at more risks,

1089
00:55:47,440 --> 00:55:47,680
Speaker 4: you know.

1090
00:55:47,760 --> 00:55:50,960
Speaker 2: So now, meth your ass ain't living past thirty dollars

1091
00:55:51,040 --> 00:55:52,799
Speaker 2: whatever the age you start, you're gonna be dead in

1092
00:55:52,800 --> 00:55:55,080
Speaker 2: a few years. And I don't even know what that calls,

1093
00:55:55,200 --> 00:55:56,880
Speaker 2: but I don't want nothing. They started turning to a

1094
00:55:57,000 --> 00:55:59,759
Speaker 2: zombie after six months there's a folk if you go

1095
00:55:59,760 --> 00:56:02,520
Speaker 2: Google like before and after math. I remember I looked

1096
00:56:02,520 --> 00:56:04,560
Speaker 2: at this lady. They had like some pictures like this

1097
00:56:04,680 --> 00:56:10,120
Speaker 2: thing right here, like all her the progression m m,

1098
00:56:10,200 --> 00:56:12,200
Speaker 2: this ship is fucking wild. Like six months, you just

1099
00:56:12,239 --> 00:56:14,040
Speaker 2: start looking like somebody somebody different.

1100
00:56:14,080 --> 00:56:16,080
Speaker 1: It's a sad thing. Well, they got a lot.

1101
00:56:15,920 --> 00:56:17,120
Speaker 4: Of chemicals in it, like.

1102
00:56:18,880 --> 00:56:21,560
Speaker 1: Po HMO.

1103
00:56:22,400 --> 00:56:27,000
Speaker 5: Plans require you to stay in network, so everywhere that

1104
00:56:27,080 --> 00:56:29,640
Speaker 5: you go it has to be referred. So typically your

1105
00:56:29,640 --> 00:56:32,600
Speaker 5: referral comes from your primary care physician and then they'll

1106
00:56:32,600 --> 00:56:34,879
Speaker 5: refer you if you need to go see whatever specialists

1107
00:56:35,000 --> 00:56:36,440
Speaker 5: or testing.

1108
00:56:37,520 --> 00:56:38,520
Speaker 4: It's referral based.

1109
00:56:38,680 --> 00:56:42,759
Speaker 5: But typically that's a cheaper plan because you don't have

1110
00:56:42,800 --> 00:56:45,080
Speaker 5: as much freedom just to go where you want to go,

1111
00:56:45,280 --> 00:56:46,960
Speaker 5: but it's still a good plan.

1112
00:56:47,480 --> 00:56:47,879
Speaker 1: And then.

1113
00:56:49,880 --> 00:56:51,680
Speaker 4: It gives you freedom of choice if you want to

1114
00:56:51,719 --> 00:56:54,720
Speaker 4: go in yes, typically.

1115
00:56:56,280 --> 00:56:59,640
Speaker 5: Lets you go in network, our network on your own whim.

1116
00:57:00,239 --> 00:57:02,319
Speaker 5: But typically when you go out a network, still you're

1117
00:57:02,320 --> 00:57:04,160
Speaker 5: gonna pay more money. But it just gives you freedom

1118
00:57:04,200 --> 00:57:06,640
Speaker 5: of choice. So say there's a place that you want

1119
00:57:06,640 --> 00:57:08,840
Speaker 5: to go that may not be in your state or whatever.

1120
00:57:08,920 --> 00:57:10,359
Speaker 5: It just gives you freedom of choice for the care

1121
00:57:10,440 --> 00:57:10,919
Speaker 5: that you want.

1122
00:57:12,239 --> 00:57:17,480
Speaker 1: I feel like Loki sad right now. I don't know.

1123
00:57:17,520 --> 00:57:20,840
Speaker 1: I guess it just I mean, it's important, but it

1124
00:57:20,880 --> 00:57:23,200
Speaker 1: just makes you so aware of your own mortality. When

1125
00:57:23,200 --> 00:57:24,080
Speaker 1: you think about.

1126
00:57:23,800 --> 00:57:26,520
Speaker 5: These things, or if you think about it the right way,

1127
00:57:26,680 --> 00:57:29,280
Speaker 5: it makes you want to be as preventive as possible.

1128
00:57:29,880 --> 00:57:34,600
Speaker 5: You know, for me, I'm so comfortable with this conversation

1129
00:57:34,720 --> 00:57:38,520
Speaker 5: because I know at this point that I have what

1130
00:57:38,600 --> 00:57:40,640
Speaker 5: I need. If something happens to me, I'm not a

1131
00:57:40,800 --> 00:57:44,240
Speaker 5: debt or burdens to anybody else, whether I'm here or

1132
00:57:44,280 --> 00:57:44,680
Speaker 5: not here.

1133
00:57:45,440 --> 00:57:46,800
Speaker 4: And that makes me feel good.

1134
00:57:47,040 --> 00:57:48,840
Speaker 5: It makes me feel like I did something right, and

1135
00:57:48,880 --> 00:57:52,720
Speaker 5: I did something that my parents didn't do right. And

1136
00:57:52,800 --> 00:57:55,040
Speaker 5: you know, that's the enjoyable part about being in this field.

1137
00:57:55,320 --> 00:57:58,120
Speaker 5: When someone walks away and says, you made me this

1138
00:57:58,320 --> 00:58:02,240
Speaker 5: so easy. You know, I was just so scared of insurance.

1139
00:58:03,160 --> 00:58:05,640
Speaker 5: I was so scared of this conversation, and you made

1140
00:58:05,640 --> 00:58:07,520
Speaker 5: it so easy. That's the joyful part of it.

1141
00:58:08,200 --> 00:58:10,680
Speaker 1: So with that being said, how can people like who's

1142
00:58:10,760 --> 00:58:13,560
Speaker 1: listening like reach out to you, like they need a liaison,

1143
00:58:13,640 --> 00:58:16,320
Speaker 1: they need someone to get information from. How can they

1144
00:58:16,360 --> 00:58:18,360
Speaker 1: contact you so you can help them further?

1145
00:58:18,600 --> 00:58:21,680
Speaker 5: Sure reach out to me on my IG shannee Rockett

1146
00:58:21,920 --> 00:58:25,040
Speaker 5: s H A W N I E R O C

1147
00:58:25,240 --> 00:58:28,959
Speaker 5: K E T DM me. I'm always open to answer

1148
00:58:29,040 --> 00:58:32,120
Speaker 5: your questions if you have concerns. I'm also licensed in

1149
00:58:32,120 --> 00:58:34,480
Speaker 5: thirty five states. I can help you just about wherever

1150
00:58:34,520 --> 00:58:39,120
Speaker 5: you are, even if it's just simple questions. Right, help

1151
00:58:39,200 --> 00:58:41,600
Speaker 5: you or your family navigate wherever you guys are trying

1152
00:58:41,640 --> 00:58:44,600
Speaker 5: to go. The biggest takeaway I want you guys have

1153
00:58:44,720 --> 00:58:45,640
Speaker 5: is just be prepared.

1154
00:58:46,240 --> 00:58:46,439
Speaker 1: Right.

1155
00:58:47,520 --> 00:58:50,400
Speaker 5: We spend money in all kinds of ways. We travel

1156
00:58:50,440 --> 00:58:53,520
Speaker 5: as much as we want to, and take one hundred

1157
00:58:53,520 --> 00:58:55,080
Speaker 5: dollars a month and just break it up and get

1158
00:58:55,120 --> 00:58:58,480
Speaker 5: you a few extra policies sold on.

1159
00:58:58,520 --> 00:59:00,040
Speaker 1: You can get a few policies with a.

1160
00:59:00,880 --> 00:59:05,080
Speaker 5: Yeah, I got a cancer policy, an accident on policy,

1161
00:59:05,360 --> 00:59:08,040
Speaker 5: a critical owns policy, and I'll pay about ninety eight

1162
00:59:08,080 --> 00:59:08,720
Speaker 5: dollars a month.

1163
00:59:09,000 --> 00:59:11,240
Speaker 1: Mm. See that's not yeah, that's affordable.

1164
00:59:11,440 --> 00:59:12,560
Speaker 2: I'm well.

1165
00:59:13,200 --> 00:59:15,000
Speaker 4: Insurance is insurance.

1166
00:59:15,040 --> 00:59:17,320
Speaker 5: However, there are better companies than the other own pain

1167
00:59:17,680 --> 00:59:21,080
Speaker 5: on their insurances. So like you always want to go

1168
00:59:21,120 --> 00:59:24,320
Speaker 5: with something that's reputable. So I'm licensed with a flax.

1169
00:59:24,360 --> 00:59:29,400
Speaker 5: So that's who I.

1170
00:59:27,480 --> 00:59:29,760
Speaker 1: That's all she's gonna say. Because that's who pay her text,

1171
00:59:29,760 --> 00:59:30,720
Speaker 1: so don't ask her a value.

1172
00:59:30,840 --> 00:59:33,840
Speaker 5: Well, aflic that's a good one. But you know a

1173
00:59:33,880 --> 00:59:35,840
Speaker 5: lot of people in Georgia have because the home office

1174
00:59:35,920 --> 00:59:38,760
Speaker 5: is here. So it's very common in this state for

1175
00:59:38,840 --> 00:59:41,240
Speaker 5: a flag, right, But there's other brands, like if you're

1176
00:59:41,240 --> 00:59:43,760
Speaker 5: looking for life insurance, like met Life, they're very reputable.

1177
00:59:44,000 --> 00:59:46,320
Speaker 5: You'll be surprised that State Farm is very competitive on

1178
00:59:46,360 --> 00:59:49,000
Speaker 5: life insurance as well. That's who I got mine from, right,

1179
00:59:49,360 --> 00:59:51,680
Speaker 5: So just do your research, right, and that's what I'm saying.

1180
00:59:52,000 --> 00:59:54,400
Speaker 5: There also are exchanges.

1181
00:59:53,880 --> 00:59:58,360
Speaker 4: Right where they'll be broker or brokers for multiple carriers.

1182
00:59:59,040 --> 01:00:01,080
Speaker 2: Yeah, so you can kind of to shop around. It

1183
01:00:01,120 --> 01:00:03,120
Speaker 2: look like they're all the same because even with the

1184
01:00:03,120 --> 01:00:05,040
Speaker 2: help with the car insurance, like you go through one

1185
01:00:05,040 --> 01:00:07,840
Speaker 2: company like I went through I had Geicode, but somehow

1186
01:00:07,920 --> 01:00:11,240
Speaker 2: I was talking to Progressive. They're beause because you're like

1187
01:00:11,280 --> 01:00:14,280
Speaker 2: a broker basically is a broker.

1188
01:00:14,360 --> 01:00:16,640
Speaker 4: Yeah, you don't tell me so because I ain't know.

1189
01:00:19,040 --> 01:00:19,760
Speaker 4: I didn't know that.

1190
01:00:21,040 --> 01:00:23,439
Speaker 5: Yeah, Well, State Farm always runs on its own though

1191
01:00:24,520 --> 01:00:26,040
Speaker 5: they they just work differently, but.

1192
01:00:26,040 --> 01:00:28,640
Speaker 4: They actually got like life insurance and stuff like.

1193
01:00:30,040 --> 01:00:33,880
Speaker 5: Competitive rates, good policies like I thought I was gonna

1194
01:00:33,880 --> 01:00:35,479
Speaker 5: go with Met Life, and I called a State Farm

1195
01:00:35,520 --> 01:00:36,800
Speaker 5: and I was like just talking to I'm like, oh,

1196
01:00:36,800 --> 01:00:38,800
Speaker 5: we got life insurance. I was like, oh you do,

1197
01:00:39,240 --> 01:00:40,800
Speaker 5: and come to find out it was actually cheaper than

1198
01:00:40,840 --> 01:00:41,400
Speaker 5: Met Life.

1199
01:00:41,480 --> 01:00:43,280
Speaker 1: I wonder if we can get a state Farm discount

1200
01:00:43,360 --> 01:00:44,960
Speaker 1: since we've been doing commercials.

1201
01:00:44,520 --> 01:00:47,960
Speaker 2: For that right period. Discount is your age.

1202
01:00:47,760 --> 01:00:51,560
Speaker 1: Baby, The discount is your age, So start down, especially

1203
01:00:51,560 --> 01:00:52,640
Speaker 1: if you're younger, get it.

1204
01:00:52,680 --> 01:00:55,600
Speaker 2: Get it as please. This is the message.

1205
01:00:55,640 --> 01:00:59,200
Speaker 5: If you're young, if you're healthy, don't wait, do not wait.

1206
01:00:59,320 --> 01:01:01,440
Speaker 5: This is absolute the best time to do it, and

1207
01:01:01,480 --> 01:01:04,120
Speaker 5: thank me later. Period y'all.

1208
01:01:04,360 --> 01:01:08,160
Speaker 1: Hurry up, hold on. So we talked about that. That

1209
01:01:08,240 --> 01:01:10,960
Speaker 1: was good information. I'm sure people really enjoy this episode

1210
01:01:10,960 --> 01:01:12,720
Speaker 1: because they got you dropped some jewels for them and

1211
01:01:12,760 --> 01:01:14,680
Speaker 1: for me. I need to add some more policies to

1212
01:01:15,000 --> 01:01:16,520
Speaker 1: I have a few. Let me tell y'all. When I

1213
01:01:16,560 --> 01:01:18,560
Speaker 1: bought that policy from her, I just bought it on

1214
01:01:18,760 --> 01:01:19,760
Speaker 1: like she would.

1215
01:01:19,760 --> 01:01:21,960
Speaker 2: I say, I need one more selle to make this money.

1216
01:01:22,600 --> 01:01:24,320
Speaker 2: She's like, I got you.

1217
01:01:24,440 --> 01:01:27,040
Speaker 1: Yeah, that's how it really even about my health. And

1218
01:01:27,200 --> 01:01:28,080
Speaker 1: I've been paying.

1219
01:01:27,920 --> 01:01:30,600
Speaker 2: It for years now, about three or.

1220
01:01:30,560 --> 01:01:33,280
Speaker 1: Four years now. But I mean, I now I feel

1221
01:01:33,320 --> 01:01:35,520
Speaker 1: like I need to add more at that information, and

1222
01:01:35,560 --> 01:01:37,439
Speaker 1: I know it's gonna be probably more. It's probably gonna

1223
01:01:37,480 --> 01:01:40,360
Speaker 1: be double for me, you know, No, with me having

1224
01:01:40,360 --> 01:01:42,440
Speaker 1: a pre existing condition, it might be a little.

1225
01:01:42,240 --> 01:01:46,960
Speaker 5: Bit more sometimes, but it depends on the underwriting, right,

1226
01:01:47,000 --> 01:01:49,360
Speaker 5: And that sometimes means why I say, you gotta do

1227
01:01:49,360 --> 01:01:52,040
Speaker 5: your research because some policies may ask a question that

1228
01:01:52,080 --> 01:01:56,440
Speaker 5: another one won't right. So you know, I know how

1229
01:01:56,440 --> 01:01:59,080
Speaker 5: to navigate, Like I wouldn't put somebody in a policy

1230
01:01:59,120 --> 01:02:00,960
Speaker 5: for twenty thousand dollars and I know they asked, did

1231
01:02:01,040 --> 01:02:03,480
Speaker 5: you just take chemotherapy? But I know I got this

1232
01:02:03,600 --> 01:02:07,360
Speaker 5: other one for ten thousand that don't ask right.

1233
01:02:07,720 --> 01:02:09,400
Speaker 1: So well, I'm gonna get with you so you can

1234
01:02:09,400 --> 01:02:12,760
Speaker 1: hook it up, you know, yea get it together. This

1235
01:02:13,320 --> 01:02:15,760
Speaker 1: episode would not be right if we didn't get a

1236
01:02:15,840 --> 01:02:17,680
Speaker 1: dumb bitch story from you. You know, we gotta get

1237
01:02:17,720 --> 01:02:22,200
Speaker 1: a dumb You thought it was just gonna be help

1238
01:02:22,240 --> 01:02:24,920
Speaker 1: caring insurance. Did you know we need to d me

1239
01:02:25,000 --> 01:02:30,440
Speaker 1: story for you dumb bitch stories because we've all been

1240
01:02:30,440 --> 01:02:33,080
Speaker 1: a dumb bitch at least once or twice.

1241
01:02:33,840 --> 01:02:39,560
Speaker 2: My god, y'allsch Harry up okay.

1242
01:02:39,600 --> 01:02:43,600
Speaker 4: So I was talking to this guy.

1243
01:02:44,680 --> 01:02:48,480
Speaker 2: They always talk talking to some guy. Go ahead. I

1244
01:02:48,560 --> 01:02:54,280
Speaker 2: was talking to this guy and he said, hey, come

1245
01:02:54,360 --> 01:02:57,560
Speaker 2: up here to see me. I said, okay, were.

1246
01:02:57,520 --> 01:03:00,200
Speaker 1: Is up here? Oh? You don't have to tell us.

1247
01:03:00,040 --> 01:03:01,760
Speaker 4: It's not lived in.

1248
01:03:02,520 --> 01:03:06,960
Speaker 5: So I went up there to see him, and he

1249
01:03:07,000 --> 01:03:08,880
Speaker 5: didn't answer the door.

1250
01:03:11,880 --> 01:03:13,680
Speaker 1: He left you outside outside.

1251
01:03:14,520 --> 01:03:16,440
Speaker 2: Wait a minute, okay, so how far did you travel?

1252
01:03:16,440 --> 01:03:18,680
Speaker 2: You have to tell us where, but how far did

1253
01:03:18,680 --> 01:03:19,760
Speaker 2: you travel? I drove?

1254
01:03:20,800 --> 01:03:21,560
Speaker 4: Okay, I drove?

1255
01:03:22,720 --> 01:03:24,200
Speaker 1: And how many hours? Was it?

1256
01:03:24,360 --> 01:03:25,320
Speaker 4: Six hours?

1257
01:03:27,320 --> 01:03:27,560
Speaker 1: Oh?

1258
01:03:28,440 --> 01:03:32,720
Speaker 2: Had you been with him before? Yes? And he told

1259
01:03:32,800 --> 01:03:36,360
Speaker 2: you to come up, that you plan to come, asking

1260
01:03:36,400 --> 01:03:37,080
Speaker 2: you to come.

1261
01:03:37,640 --> 01:03:39,800
Speaker 4: I don't just go anywhere. We don't do that. We

1262
01:03:39,800 --> 01:03:41,560
Speaker 4: were never that pressed, okay, right.

1263
01:03:41,920 --> 01:03:45,520
Speaker 2: Period, We were like, it's two of them talk about

1264
01:03:45,520 --> 01:03:49,000
Speaker 2: me a third person. I was never that pressed.

1265
01:03:50,120 --> 01:03:52,160
Speaker 4: But yes, did I answer the door?

1266
01:03:52,680 --> 01:03:53,640
Speaker 1: Did you kick the door in?

1267
01:03:53,840 --> 01:03:56,880
Speaker 2: I left a footprint on it. I was trying to

1268
01:03:56,880 --> 01:03:59,360
Speaker 2: get it down. Did y'all talk after that? At any point?

1269
01:03:59,400 --> 01:04:00,000
Speaker 2: Did he hit you up?

1270
01:04:00,680 --> 01:04:00,720
Speaker 1: No?

1271
01:04:00,880 --> 01:04:03,400
Speaker 5: He came and met me and was like, God, long

1272
01:04:03,440 --> 01:04:06,760
Speaker 5: story short, had a girl there. At some point it

1273
01:04:06,800 --> 01:04:07,400
Speaker 5: was just trash.

1274
01:04:07,680 --> 01:04:09,480
Speaker 4: He went out. I guess he wants have brought it

1275
01:04:09,520 --> 01:04:10,720
Speaker 4: back and forgot and got.

1276
01:04:10,640 --> 01:04:13,200
Speaker 1: Drawnk Like he what time you were going to get there?

1277
01:04:13,280 --> 01:04:15,080
Speaker 2: Yeah?

1278
01:04:15,520 --> 01:04:21,560
Speaker 1: Yeah, I remember that. Yo.

1279
01:04:21,640 --> 01:04:23,640
Speaker 4: That was the most tragic stuff in my life.

1280
01:04:23,720 --> 01:04:26,680
Speaker 2: I said, ooh, girl, it ain't never been like played

1281
01:04:26,720 --> 01:04:29,000
Speaker 2: with like that. No, but that don't make you really

1282
01:04:29,040 --> 01:04:32,720
Speaker 2: a dumb bitch, Like he's stupid, way y'all go, I'm dumb,

1283
01:04:32,760 --> 01:04:33,560
Speaker 2: but I came on there.

1284
01:04:33,440 --> 01:04:36,920
Speaker 4: On my like my gas, my money, my car, my hours, Like, yo, No,

1285
01:04:37,080 --> 01:04:37,960
Speaker 4: that's pretty stupid.

1286
01:04:38,000 --> 01:04:40,280
Speaker 1: So but you know what, a lot of the dumb

1287
01:04:40,440 --> 01:04:43,200
Speaker 1: stories don't always make us the dumb bitch. It always

1288
01:04:43,480 --> 01:04:45,560
Speaker 1: typically be the other person in the story as well.

1289
01:04:46,200 --> 01:04:50,919
Speaker 1: In the story, I guess you continue to funk with him.

1290
01:04:50,800 --> 01:04:54,160
Speaker 2: A little while. See that be the part, right, It'd

1291
01:04:54,160 --> 01:04:56,600
Speaker 2: be the aftermath that make you the dumb bitch, Cause

1292
01:04:56,600 --> 01:04:59,120
Speaker 2: it's cool to be stupid, right, But when you become

1293
01:04:59,120 --> 01:05:02,720
Speaker 2: a habitual bitch, when you just keep going with the ship, now,

1294
01:05:02,800 --> 01:05:05,040
Speaker 2: that's when, Yeah, this was a little while longer and

1295
01:05:05,080 --> 01:05:07,360
Speaker 2: I let him rise. We got to add that on.

1296
01:05:07,480 --> 01:05:09,919
Speaker 2: So how long did you continue to do this bitch? Ship?

1297
01:05:10,120 --> 01:05:12,960
Speaker 2: A month or two after he was counting?

1298
01:05:14,560 --> 01:05:15,880
Speaker 4: Yeah, I look back at that time of.

1299
01:05:15,880 --> 01:05:20,560
Speaker 2: My life, figures old life, Okay, out.

1300
01:05:20,400 --> 01:05:20,880
Speaker 1: Of the woods.

1301
01:05:21,480 --> 01:05:25,200
Speaker 2: Saw you got me? You wouldn't prepare for that.

1302
01:05:25,200 --> 01:05:26,920
Speaker 1: That's so funny because I told her like, all right,

1303
01:05:26,920 --> 01:05:28,760
Speaker 1: this is what we're gonna talk about. But I never

1304
01:05:28,800 --> 01:05:30,400
Speaker 1: but you had to know that it was cooming.

1305
01:05:30,480 --> 01:05:31,960
Speaker 2: You had to. No, I didn't think I was gonna

1306
01:05:31,960 --> 01:05:35,280
Speaker 2: have to provide that story. That's a good one. That's

1307
01:05:35,320 --> 01:05:37,240
Speaker 2: a little easy one. I feel like we can get

1308
01:05:37,240 --> 01:05:39,840
Speaker 2: another good one at you, though. That was by far

1309
01:05:39,920 --> 01:05:42,560
Speaker 2: my most embarrassing one, y'all because I was like, ain't

1310
01:05:42,560 --> 01:05:54,720
Speaker 2: nobody seen you though? Who knows? Everybody knows, bitch, Oh

1311
01:05:54,760 --> 01:05:57,200
Speaker 2: my goodness, Oh my goodness, Yeah, everybody know.

1312
01:05:57,320 --> 01:05:58,200
Speaker 4: Now, don't judge me.

1313
01:05:58,280 --> 01:06:01,200
Speaker 2: Y'all. Get the cash, app ladies, get the gas money

1314
01:06:01,280 --> 01:06:02,280
Speaker 2: up front, right.

1315
01:06:02,880 --> 01:06:05,960
Speaker 1: Well, Aaron, I really appreciate you. This was very last minute,

1316
01:06:06,000 --> 01:06:07,800
Speaker 1: but this was a great episode. So thank you for

1317
01:06:07,840 --> 01:06:08,520
Speaker 1: coming on with us.

1318
01:06:08,520 --> 01:06:12,160
Speaker 2: I really you're welcome health care life care in here.

1319
01:06:13,320 --> 01:06:15,680
Speaker 1: Yeah. See look dropping little cards.

1320
01:06:15,920 --> 01:06:18,280
Speaker 2: I don't radual business card again.

1321
01:06:18,680 --> 01:06:22,200
Speaker 4: My I g is Shawnee Rocket So s H A

1322
01:06:22,640 --> 01:06:24,200
Speaker 4: W N I E R O.

1323
01:06:24,160 --> 01:06:24,919
Speaker 1: C K E T.

1324
01:06:26,720 --> 01:06:30,320
Speaker 2: DMS like that should be we should do a challenge.

1325
01:06:30,320 --> 01:06:33,160
Speaker 2: We should do a life insurance challenge for the month

1326
01:06:33,200 --> 01:06:36,400
Speaker 2: of May. What for real? Get your stuff to get

1327
01:06:36,400 --> 01:06:38,320
Speaker 2: your stuff together right right, get.

1328
01:06:38,200 --> 01:06:38,800
Speaker 1: Your ship together.

1329
01:06:38,880 --> 01:06:40,560
Speaker 2: Well, we're about to run your check up for the

1330
01:06:40,600 --> 01:06:43,000
Speaker 2: month of man we need ten percent, bitch.

1331
01:06:45,960 --> 01:06:51,720
Speaker 1: Illegal, But ultimately we want to help people, you know, yeah,

1332
01:06:51,760 --> 01:06:53,640
Speaker 1: for sure, make sure sure people are on the right

1333
01:06:53,680 --> 01:06:55,160
Speaker 1: end of that. Because I ain't got no more go

1334
01:06:55,440 --> 01:06:57,680
Speaker 1: for me money for y'all. I really don't.

1335
01:06:57,800 --> 01:06:59,720
Speaker 2: I've never been. I don't never donate to go fund

1336
01:06:59,720 --> 01:07:01,520
Speaker 2: me any more ever since when I had the leader

1337
01:07:01,560 --> 01:07:03,920
Speaker 2: the old lady to living with me, paying for somebody

1338
01:07:03,920 --> 01:07:06,080
Speaker 2: to living with me out of my fucking pocket for

1339
01:07:06,160 --> 01:07:08,320
Speaker 2: over year, and I put up a goalfund me and

1340
01:07:08,320 --> 01:07:11,720
Speaker 2: get how much money? I got two hundred and fifty

1341
01:07:11,800 --> 01:07:13,960
Speaker 2: one dollars and I gave it to her for her birthday.

1342
01:07:14,640 --> 01:07:17,320
Speaker 2: But my thing is, bitches could put up a goalfund

1343
01:07:17,400 --> 01:07:20,800
Speaker 2: me because you went to I don't know, Memorial Weekend

1344
01:07:21,160 --> 01:07:23,640
Speaker 2: with no fucking money and got stranded, and people donate

1345
01:07:23,680 --> 01:07:26,880
Speaker 2: into that stupid shit. But I can't find housing for

1346
01:07:26,960 --> 01:07:29,160
Speaker 2: one little old lady, So I don't fuck with people

1347
01:07:29,200 --> 01:07:31,240
Speaker 2: go fund me, So maybe fuck y'all which y'all go

1348
01:07:31,280 --> 01:07:35,000
Speaker 2: get a little bitter. You probably should, I am. I

1349
01:07:34,720 --> 01:07:36,920
Speaker 2: know you have a way about that because people.

1350
01:07:36,600 --> 01:07:38,880
Speaker 1: Maybe because I went to bullshit. You donated to that

1351
01:07:38,960 --> 01:07:40,760
Speaker 1: goal fund me, So it's crazy that you only got

1352
01:07:40,800 --> 01:07:42,440
Speaker 1: two hundred and fifty one dollars because I think I

1353
01:07:42,480 --> 01:07:44,600
Speaker 1: gave it at least fifty myself.

1354
01:07:44,920 --> 01:07:45,360
Speaker 2: That's it.

1355
01:07:46,600 --> 01:07:48,120
Speaker 1: So we paying to bullshit.

1356
01:07:49,720 --> 01:07:52,840
Speaker 2: You see example, But you see that fifty dollars could

1357
01:07:52,840 --> 01:07:53,160
Speaker 2: have done.

1358
01:07:53,200 --> 01:07:54,200
Speaker 4: You would have had a policy.

1359
01:07:55,320 --> 01:07:57,520
Speaker 2: Well, you know, I wanted to put life insurance on her,

1360
01:07:57,600 --> 01:08:03,120
Speaker 2: but she was I waited long and I probably didn't

1361
01:08:03,160 --> 01:08:05,840
Speaker 2: have what is it called enshoreable interest on her because

1362
01:08:05,840 --> 01:08:08,160
Speaker 2: she wasn't a family member. She was a stranger I met.

1363
01:08:08,360 --> 01:08:09,880
Speaker 2: But I wanted to try to get like a burial

1364
01:08:09,880 --> 01:08:11,800
Speaker 2: And this bitch is still out here. Let's be clear,

1365
01:08:11,800 --> 01:08:15,800
Speaker 2: she's still outside. And she's eighty six now though. Yeah,

1366
01:08:16,000 --> 01:08:18,479
Speaker 2: so she's eighty three when I moved here, and she.

1367
01:08:18,479 --> 01:08:21,320
Speaker 5: Could get a policy, but it won't be she'll get

1368
01:08:21,360 --> 01:08:24,479
Speaker 5: a burial bury on thousand, yeah, something small.

1369
01:08:25,320 --> 01:08:27,000
Speaker 2: I feel like people should get cremated if they don't

1370
01:08:27,000 --> 01:08:31,160
Speaker 2: have policies like and which is seven thousand, you're still

1371
01:08:31,160 --> 01:08:33,960
Speaker 2: going seven thousand for creep. Why can't why they can't

1372
01:08:33,960 --> 01:08:35,400
Speaker 2: burn people in the backyard.

1373
01:08:35,000 --> 01:08:39,080
Speaker 1: Staying to put you in the paren boxes for free thought.

1374
01:08:39,200 --> 01:08:40,960
Speaker 5: Matter of fact, they give you two hundred and fifty

1375
01:08:40,960 --> 01:08:43,280
Speaker 5: dollars a month. I mean two hundred and fifty dollars.

1376
01:08:43,320 --> 01:08:44,640
Speaker 5: If someone passed away without.

1377
01:08:45,880 --> 01:08:47,439
Speaker 2: So I can turn the body in for two fifty

1378
01:08:47,520 --> 01:08:53,800
Speaker 2: that's how much it's worth. Yes, girl, I mean, but

1379
01:08:53,800 --> 01:08:59,960
Speaker 2: it's not enjoy We're not going there, hit ship friend.

1380
01:09:04,680 --> 01:09:06,760
Speaker 1: Any time to start going to that dark place. I

1381
01:09:06,800 --> 01:09:07,400
Speaker 1: know it's time to.

1382
01:09:09,400 --> 01:09:11,720
Speaker 2: Allright, y'all, no bitch be getting this check look the

1383
01:09:11,840 --> 01:09:17,800
Speaker 2: dad check. If you guys enjoyed this episode, please tune

1384
01:09:17,800 --> 01:09:20,080
Speaker 2: in every Thursday on your iHeart Radio Apple where the

1385
01:09:20,080 --> 01:09:22,680
Speaker 2: fuck you get your podcast at. This is your co

1386
01:09:22,840 --> 01:09:26,280
Speaker 2: host AJ Holiday two point oh on Instagram. Y'all follow

1387
01:09:26,320 --> 01:09:28,200
Speaker 2: me down if you won't get on. What's up?

1388
01:09:28,280 --> 01:09:30,760
Speaker 1: Tam y'all was official? Tam maam. I love y'all. Thank

1389
01:09:30,800 --> 01:09:32,719
Speaker 1: y'all for tuning in. Remember speak now.

1390
01:09:32,720 --> 01:09:34,120
Speaker 2: And never hold your peace.

1391
01:09:34,720 --> 01:09:35,400
Speaker 1: Des