WEBVTT - Go Fund Yourself with Erin Corbett

0:00:00.760 --> 0:00:05.400
<v Speaker 1>Talk Talk, talk to We're just two unapologetically black women

0:00:05.640 --> 0:00:07.520
<v Speaker 1>with an opinion to talk.

0:00:10.880 --> 0:00:12.600
<v Speaker 2>What's up, y'all? Thank you for tending in for a

0:00:12.640 --> 0:00:15.480
<v Speaker 2>new episode of We Talked Back, a show dedicated to

0:00:15.560 --> 0:00:22.880
<v Speaker 2>you naked, I mean you, what was that? And did

0:00:22.880 --> 0:00:25.520
<v Speaker 2>your co host AJ Holliday? What's up? Tom?

0:00:25.800 --> 0:00:29.680
<v Speaker 1>And it's dedicated to those blanks and everybody in between.

0:00:30.360 --> 0:00:33.760
<v Speaker 1>Hey gyll, Hey y'all. I love y'all once again this week,

0:00:33.840 --> 0:00:35.360
<v Speaker 1>I'm still coming with all the love.

0:00:35.720 --> 0:00:38.199
<v Speaker 2>How you doing, friends, I'm good. I met a couple, uh,

0:00:39.120 --> 0:00:41.640
<v Speaker 2>couple of beige guys this weekend, and I think that

0:00:41.840 --> 0:00:45.000
<v Speaker 2>maybe one might have listened to the show and he

0:00:45.120 --> 0:00:51.280
<v Speaker 2>curved me yesterday, So I mean yeah, so, but I'm

0:00:51.320 --> 0:00:54.400
<v Speaker 2>just saying maybe that maybe the intro scares people off,

0:00:55.400 --> 0:01:01.160
<v Speaker 2>because last night I was good, right, So fuck the period.

0:01:03.440 --> 0:01:06.160
<v Speaker 1>I can't Well, maybe we don't have to say to

0:01:06.319 --> 0:01:07.280
<v Speaker 1>niggas and hoes.

0:01:08.120 --> 0:01:11.440
<v Speaker 3>Maybe we could just say to ninjas and pros.

0:01:12.240 --> 0:01:13.400
<v Speaker 1>Ninjas and pros.

0:01:14.720 --> 0:01:16.600
<v Speaker 2>Yeah, so toutch your toes.

0:01:19.160 --> 0:01:22.240
<v Speaker 3>What you do this weekend besides meet some beige guys.

0:01:22.280 --> 0:01:25.680
<v Speaker 2>I was outside all weekend, like for real, outside.

0:01:26.319 --> 0:01:29.720
<v Speaker 3>Celebrating our wind. Yeah, celebrate your wins kind of.

0:01:29.959 --> 0:01:31.959
<v Speaker 2>I guess maybe that's what it was. I just started

0:01:31.959 --> 0:01:35.120
<v Speaker 2>wearing brunch every day and then then just didn't get

0:01:35.120 --> 0:01:38.240
<v Speaker 2>home till ten eleven o'clock at night, so brunch starts

0:01:38.240 --> 0:01:41.319
<v Speaker 2>at one time twelve. So I was doing twelve hour

0:01:41.400 --> 0:01:46.800
<v Speaker 2>shifts of ratchet shit this weekend. It was really fun, real,

0:01:46.880 --> 0:01:49.040
<v Speaker 2>real fun. You know, Charleston has a lot of nice places,

0:01:49.080 --> 0:01:52.200
<v Speaker 2>a lot of nice like rooftop bars, and it's always

0:01:52.240 --> 0:01:55.040
<v Speaker 2>sunny out and shit, and we got palm trees. I

0:01:55.120 --> 0:01:57.440
<v Speaker 2>just feel like niggas be hating because we got palm

0:01:57.440 --> 0:02:00.559
<v Speaker 2>trees and we got the beach and it just be nice.

0:02:00.880 --> 0:02:03.640
<v Speaker 2>All the Southern Charm characters are out this weekend too,

0:02:04.000 --> 0:02:07.640
<v Speaker 2>y'all know. We got the reality show in Charleston, Southern Charm,

0:02:07.640 --> 0:02:13.000
<v Speaker 2>that which highlights all the prominent elitists in the city,

0:02:14.200 --> 0:02:20.920
<v Speaker 2>you know, the slave owners descendants exactly, okay, and all

0:02:20.960 --> 0:02:25.200
<v Speaker 2>the generational wealth a couple of them. Not My favorite

0:02:25.280 --> 0:02:29.600
<v Speaker 2>character off that show is what's this girl's name? And

0:02:29.639 --> 0:02:32.200
<v Speaker 2>she was out as well. But she doesn't she didn't

0:02:32.200 --> 0:02:34.480
<v Speaker 2>come from money for real. She she's a she owns

0:02:34.520 --> 0:02:36.239
<v Speaker 2>the salon here now and I don't even think she

0:02:36.280 --> 0:02:39.560
<v Speaker 2>got the salon until she was on the show. Not Madelin.

0:02:40.639 --> 0:02:43.320
<v Speaker 2>I forgot her name anyway, she just got married, super

0:02:43.320 --> 0:02:47.400
<v Speaker 2>pretty white girl. But the rest of them follow Yeah,

0:02:47.480 --> 0:02:50.120
<v Speaker 2>the rest of them are mm hmm.

0:02:51.000 --> 0:02:54.440
<v Speaker 3>Said I stay home and cook meals for uh.

0:02:54.400 --> 0:02:56.280
<v Speaker 2>Uh, you was cooking for niggas this weekend.

0:02:56.760 --> 0:02:57.360
<v Speaker 1>Mm hmmm.

0:02:57.560 --> 0:02:59.600
<v Speaker 2>I hear that. You gotta you got a boyfriend.

0:03:00.840 --> 0:03:05.280
<v Speaker 1>Mm hmmm, a friend because I just had to let

0:03:05.280 --> 0:03:08.080
<v Speaker 1>these niggas know, you know, because they be thinking because

0:03:08.120 --> 0:03:10.400
<v Speaker 1>I make them take me to dinner all the time

0:03:10.400 --> 0:03:13.639
<v Speaker 1>that I don't know how to cook, but I can

0:03:13.720 --> 0:03:17.040
<v Speaker 1>get these pasta quaking what you cook? I had a

0:03:17.000 --> 0:03:22.760
<v Speaker 1>all right, So I made some steak, I made some rabbis,

0:03:23.480 --> 0:03:26.160
<v Speaker 1>and I made some lobster mac and cheese, and I

0:03:26.240 --> 0:03:30.160
<v Speaker 1>made some broccolini with some little honey. Honey but a

0:03:30.200 --> 0:03:34.480
<v Speaker 1>croissant's on ma sad sounds good like and some wine.

0:03:34.840 --> 0:03:37.000
<v Speaker 2>I heard you had that world where now mi mac

0:03:37.040 --> 0:03:39.120
<v Speaker 2>and cheese, like, I've made your mac and cheese, but

0:03:39.160 --> 0:03:41.400
<v Speaker 2>I've never actually tasted your mac and cheese. You know.

0:03:41.840 --> 0:03:44.520
<v Speaker 2>It's it's like a it's like a a like a

0:03:45.120 --> 0:03:47.320
<v Speaker 2>love spell or something. You put your own little mix

0:03:47.360 --> 0:03:49.480
<v Speaker 2>on this. I know mine's probably tastes different. I haven't

0:03:49.560 --> 0:03:51.960
<v Speaker 2>actually tasted yours, but I heard it was good.

0:03:52.600 --> 0:03:54.400
<v Speaker 3>Well, when you come to Charlotte, I'll make you a

0:03:54.400 --> 0:03:55.200
<v Speaker 3>little small pan.

0:03:55.720 --> 0:03:59.160
<v Speaker 2>I heard your mac was mac and bitch, it's it's

0:03:59.160 --> 0:04:02.280
<v Speaker 2>the bee's knees. People have been back too and be macing.

0:04:03.160 --> 0:04:05.400
<v Speaker 3>No, let me tell you what I love yours, red rice.

0:04:05.520 --> 0:04:08.160
<v Speaker 2>B Look, we had a trade recipes. You know, real

0:04:08.200 --> 0:04:10.320
<v Speaker 2>cooks don't be just giving our fucking recipes. So I

0:04:10.360 --> 0:04:11.600
<v Speaker 2>was like, all right, bitch, let me get the mac

0:04:11.600 --> 0:04:14.040
<v Speaker 2>and cheese. I'll send you the red the red rice recipes.

0:04:14.520 --> 0:04:18.080
<v Speaker 1>That red rice is so good. That's why I got

0:04:18.080 --> 0:04:19.360
<v Speaker 1>this little extra piece of hip.

0:04:21.920 --> 0:04:23.760
<v Speaker 2>You know, I can't even eat red rice like that

0:04:23.760 --> 0:04:26.120
<v Speaker 2>no more because it doesn't like taste the same without

0:04:26.160 --> 0:04:30.159
<v Speaker 2>all the meat, you know, cut it off. Yeah. I

0:04:30.200 --> 0:04:34.360
<v Speaker 2>haven't had red rice myself in a long time years.

0:04:34.760 --> 0:04:39.760
<v Speaker 1>But it's pointless if you just eating red rice, right, No,

0:04:39.760 --> 0:04:43.000
<v Speaker 1>no animals right, no animals cooked in the rice?

0:04:43.120 --> 0:04:44.200
<v Speaker 2>Is it's crazy.

0:04:44.760 --> 0:04:46.520
<v Speaker 3>Let's get into our stupid internet, nigga.

0:04:46.960 --> 0:04:50.400
<v Speaker 2>Let's see what's going on. So uh, I want to

0:04:50.440 --> 0:04:56.000
<v Speaker 2>start with Ebony K. Williams and Ayanaana. I can't say

0:04:56.000 --> 0:04:59.800
<v Speaker 2>her name, say it ian love on Zant got it okay,

0:05:00.080 --> 0:05:03.680
<v Speaker 2>which is not her real name, but let's start there. Yeah,

0:05:03.720 --> 0:05:06.440
<v Speaker 2>so I know you've probably seen it if you guys haven't,

0:05:06.560 --> 0:05:10.680
<v Speaker 2>So it's a viral video going on right now. So

0:05:10.720 --> 0:05:16.480
<v Speaker 2>ebide King Williams and essentially Ayanya Ayanya was.

0:05:16.400 --> 0:05:18.279
<v Speaker 3>Asked Ivy just call her by Ivy.

0:05:18.440 --> 0:05:22.200
<v Speaker 2>Ivy was asking her when she date a bus driver, right,

0:05:22.279 --> 0:05:26.360
<v Speaker 2>and she said, if he owned the bus, that's what

0:05:26.520 --> 0:05:30.640
<v Speaker 2>you know. Ebdy K Williams response was, I like comments.

0:05:31.000 --> 0:05:33.120
<v Speaker 2>I like to see what the people think. I really

0:05:33.120 --> 0:05:34.640
<v Speaker 2>don't give a fuck what the people think, but I

0:05:34.640 --> 0:05:36.680
<v Speaker 2>do like to see people's thought process and a lot

0:05:36.680 --> 0:05:40.160
<v Speaker 2>of people talking shit, especially the men. Oh she's forty

0:05:40.160 --> 0:05:43.240
<v Speaker 2>something still with no man, this and the third and

0:05:43.279 --> 0:05:47.520
<v Speaker 2>I'm like, after this weekend and being out a little bit,

0:05:48.480 --> 0:05:50.520
<v Speaker 2>is it possible that there are a lot of black

0:05:50.640 --> 0:05:54.160
<v Speaker 2>women that are single and haven't been wedded because or

0:05:54.360 --> 0:05:57.279
<v Speaker 2>I think she's been married before she's divorced, right, she

0:05:57.440 --> 0:05:59.960
<v Speaker 2>isn't married now, but I think a lot of Black

0:06:00.040 --> 0:06:03.200
<v Speaker 2>women are single because we choose to stay within our

0:06:03.240 --> 0:06:07.080
<v Speaker 2>own shit, right, you know, if she were to choose

0:06:07.120 --> 0:06:09.720
<v Speaker 2>to maybe date outside. She might be married.

0:06:11.640 --> 0:06:13.640
<v Speaker 3>What's wrong with her wanting him to own the bus?

0:06:13.800 --> 0:06:16.279
<v Speaker 2>I don't know. And I feel like, ma'am, you don't

0:06:16.320 --> 0:06:18.159
<v Speaker 2>compare me to you, Like you might be cool with

0:06:18.200 --> 0:06:20.239
<v Speaker 2>that shit, like you might have to get a bus driver,

0:06:20.279 --> 0:06:20.799
<v Speaker 2>but that's.

0:06:20.640 --> 0:06:25.000
<v Speaker 3>Not what I want, right aur Yalla was like, see,

0:06:25.040 --> 0:06:26.159
<v Speaker 3>that's your problem, bit.

0:06:33.160 --> 0:06:35.920
<v Speaker 2>And there's nothing wrong with a bus driver, but you

0:06:36.040 --> 0:06:40.120
<v Speaker 2>don't go through life being a super accomplished woman right

0:06:40.760 --> 0:06:42.640
<v Speaker 2>to not at least want somebody. And I hate to

0:06:42.720 --> 0:06:45.120
<v Speaker 2>use the term equal, but that's what it is. I

0:06:45.160 --> 0:06:49.520
<v Speaker 2>feel like in a black community, black men are hypergamous.

0:06:49.880 --> 0:06:53.160
<v Speaker 2>Black men date up all day long, like you got

0:06:53.200 --> 0:06:56.320
<v Speaker 2>to come with all the shits, right, But for the

0:06:56.400 --> 0:06:58.960
<v Speaker 2>black women, like it's almost like, oh, I can't believe

0:06:59.000 --> 0:07:04.960
<v Speaker 2>you bitches who are quiet. Stuff, that's a problem. Like

0:07:05.200 --> 0:07:07.440
<v Speaker 2>they want us to date down so that they have

0:07:07.520 --> 0:07:10.400
<v Speaker 2>access to the best of the best, right.

0:07:10.640 --> 0:07:13.080
<v Speaker 1>I agree, But no, because a black man will grab

0:07:13.080 --> 0:07:15.520
<v Speaker 1>a woman out of target skin and stuff.

0:07:15.960 --> 0:07:20.560
<v Speaker 2>Yes she's if she's a hispanic, yeah, with a big booty,

0:07:20.680 --> 0:07:25.160
<v Speaker 2>with all our with all our characteristics, right, all our

0:07:25.520 --> 0:07:30.800
<v Speaker 2>physical characteristics and aesthetics, but just not on a black woman.

0:07:33.040 --> 0:07:38.760
<v Speaker 2>Is that fair to say, Oh, successful black men I've

0:07:38.760 --> 0:07:43.320
<v Speaker 2>seen I've seen successful black men grab black women out

0:07:43.320 --> 0:07:46.040
<v Speaker 2>of the strip club dancing on a pole.

0:07:46.480 --> 0:07:48.160
<v Speaker 1>So I mean that's not really hypergamy?

0:07:48.320 --> 0:07:51.680
<v Speaker 2>Is it? That is hypergny? That woman on the pole

0:07:51.760 --> 0:07:54.560
<v Speaker 2>is dating up. Yes, that's hYP for her, but it's

0:07:54.560 --> 0:07:58.800
<v Speaker 2>not hypergammy right for the man? Right? Yeah? I don't know.

0:07:58.880 --> 0:08:00.840
<v Speaker 1>So, I mean, I guess it's a craw shot. Honestly,

0:08:01.160 --> 0:08:04.040
<v Speaker 1>I just don't like people being angry with a woman

0:08:04.120 --> 0:08:05.320
<v Speaker 1>for wanting.

0:08:06.160 --> 0:08:08.720
<v Speaker 3>Better for herself, Like, why are you upset about that?

0:08:08.840 --> 0:08:10.000
<v Speaker 1>I just don't get that right.

0:08:10.600 --> 0:08:12.800
<v Speaker 2>And now it's like a trending topic online and it

0:08:12.840 --> 0:08:17.920
<v Speaker 2>puts black women Now it's like, I'm sorry, Ivy gives

0:08:17.960 --> 0:08:24.160
<v Speaker 2>me pick me energy. I'm sorry, she just does. And

0:08:24.240 --> 0:08:26.560
<v Speaker 2>I don't think we should be shunning any other black

0:08:26.560 --> 0:08:29.040
<v Speaker 2>women for her preference. Men get to have preferences all

0:08:29.120 --> 0:08:32.440
<v Speaker 2>day long or what they prefer in relationships. Why is

0:08:32.480 --> 0:08:34.640
<v Speaker 2>it like a death sentence when we do, Like, oh,

0:08:34.679 --> 0:08:38.400
<v Speaker 2>you just automatically get super shamed for you know, putting

0:08:38.400 --> 0:08:42.559
<v Speaker 2>out there what you want. Why not, right, that's how

0:08:42.600 --> 0:08:48.000
<v Speaker 2>you get what you want? You have to fucking speak it.

0:08:48.120 --> 0:08:54.640
<v Speaker 1>So I just thought about oh boy friend uh with

0:08:54.960 --> 0:08:57.040
<v Speaker 1>Jada Pinkett when he was driving the bus.

0:08:57.280 --> 0:09:00.559
<v Speaker 3>He took her to the feeling and fucked her. Who

0:09:00.720 --> 0:09:01.280
<v Speaker 3>what's his name?

0:09:01.320 --> 0:09:01.880
<v Speaker 2>What movie?

0:09:02.000 --> 0:09:07.559
<v Speaker 1>Alan Payne, Allen Payne and Jada Pinkett on Jason's lyric.

0:09:07.840 --> 0:09:10.120
<v Speaker 1>He got her, he picked up on the bus. It

0:09:10.240 --> 0:09:12.200
<v Speaker 1>was nobody else on it, and he took it to

0:09:12.240 --> 0:09:14.559
<v Speaker 1>their feeling fucked her. I might do that with a

0:09:14.600 --> 0:09:22.560
<v Speaker 1>bus driver if he was fine. Yo, No, fucked me

0:09:22.600 --> 0:09:24.080
<v Speaker 1>in some roadses, big daddy.

0:09:24.240 --> 0:09:26.560
<v Speaker 2>The thing is, it's okay if we're in our twenties,

0:09:27.000 --> 0:09:30.760
<v Speaker 2>right and we're growing and building together. But we're talking

0:09:30.800 --> 0:09:33.880
<v Speaker 2>about forty year old women and up we're not the

0:09:33.920 --> 0:09:36.079
<v Speaker 2>only single ones. Black men are single too, Like, it's

0:09:36.080 --> 0:09:37.960
<v Speaker 2>a lot of Black single men, it's a lot of

0:09:37.960 --> 0:09:40.760
<v Speaker 2>Black single women. I just think that oftentimes in the

0:09:40.800 --> 0:09:43.800
<v Speaker 2>black community, we don't put as much emphasis on marriage.

0:09:43.920 --> 0:09:46.760
<v Speaker 2>Black men in particular don't put that much emphasis on marriage.

0:09:46.800 --> 0:09:49.520
<v Speaker 2>They don't see the benefit of value. Yeah, they don't

0:09:49.559 --> 0:09:52.559
<v Speaker 2>see the benefit in having a wife and building, like

0:09:52.720 --> 0:09:54.760
<v Speaker 2>for real, building a legacy and not just saying it.

0:09:55.160 --> 0:09:57.520
<v Speaker 2>They don't see the value in it. So that's why

0:09:57.559 --> 0:09:59.560
<v Speaker 2>we single. It ain't because it's not men out here,

0:10:00.040 --> 0:10:01.840
<v Speaker 2>you know what I'm saying. They just don't have they

0:10:01.840 --> 0:10:04.040
<v Speaker 2>don't just don't put the value on marriage, same way

0:10:04.040 --> 0:10:06.320
<v Speaker 2>we don't put value on education. And a lot of

0:10:06.320 --> 0:10:08.880
<v Speaker 2>other things were actually going to get into in this

0:10:08.920 --> 0:10:13.959
<v Speaker 2>particular episode. But yeah, I'm with uh, I'm definitely with

0:10:14.160 --> 0:10:18.119
<v Speaker 2>F D. K. Williams. Sorry too, Okay, sorry.

0:10:19.120 --> 0:10:21.200
<v Speaker 1>Unless one of y'all got a bus, it could take

0:10:21.240 --> 0:10:24.760
<v Speaker 1>me to a patch of flowers and you find somewhere

0:10:24.760 --> 0:10:32.239
<v Speaker 1>every k. Tony Braxton revealed that she went underwent emergency

0:10:32.240 --> 0:10:36.560
<v Speaker 1>heart surgery in September to treat a life threatening lupus complication.

0:10:37.520 --> 0:10:39.840
<v Speaker 1>My good sister's going through it with her lupus, And

0:10:39.920 --> 0:10:42.199
<v Speaker 1>you know, shout out to all the lupus warriors out

0:10:42.200 --> 0:10:45.800
<v Speaker 1>there that's you know, battling silently or publicly.

0:10:46.720 --> 0:10:50.880
<v Speaker 2>You know my niece say that my niece has lupis.

0:10:53.240 --> 0:10:54.600
<v Speaker 1>Yeah, shout out to your niece.

0:10:54.679 --> 0:10:56.600
<v Speaker 2>And sometimes I wish I can like take it from

0:10:56.640 --> 0:10:59.439
<v Speaker 2>her because I know I'd be able to manage it better,

0:10:59.800 --> 0:11:02.200
<v Speaker 2>you know what I'm saying. Like I tell her oftentimes,

0:11:02.240 --> 0:11:04.520
<v Speaker 2>like maybe you might have to do vegan for a

0:11:04.559 --> 0:11:06.760
<v Speaker 2>little while when I was living in Saint Louis, I

0:11:06.840 --> 0:11:10.959
<v Speaker 2>used to get calonics done every week, and the lady

0:11:11.000 --> 0:11:13.199
<v Speaker 2>who was doing it was this African woman. She said,

0:11:13.320 --> 0:11:17.240
<v Speaker 2>she showed me pictures of her wheelchair bed redding. She

0:11:17.400 --> 0:11:21.080
<v Speaker 2>was sick. Lupe is supposed to be dead, essentially, and

0:11:21.200 --> 0:11:24.720
<v Speaker 2>she started she started doing colonics, getting colonics, and she

0:11:24.840 --> 0:11:27.880
<v Speaker 2>went vegan healthy, healthy.

0:11:28.520 --> 0:11:30.320
<v Speaker 1>It's all you know. A lot of it has to

0:11:30.360 --> 0:11:32.360
<v Speaker 1>do with what you put in your body, but sometimes

0:11:32.400 --> 0:11:38.760
<v Speaker 1>it takes more than that. Tony Braxton said, I kept

0:11:38.760 --> 0:11:41.400
<v Speaker 1>putting the test off, thinking oh, I'm fine, I'll be okay.

0:11:41.440 --> 0:11:43.840
<v Speaker 1>But my doctor was persistent and I went to get tested.

0:11:43.880 --> 0:11:46.440
<v Speaker 1>In the last week of September. I did a specialized

0:11:46.480 --> 0:11:49.120
<v Speaker 1>test and they looked at my heart and saw some abnormalties.

0:11:49.520 --> 0:11:52.559
<v Speaker 1>Braxton told People Magazine. I found out that I needed

0:11:52.600 --> 0:11:55.680
<v Speaker 1>a coronary stint. My left main corodinary alreaty was eighty

0:11:55.720 --> 0:11:58.160
<v Speaker 1>percent block. The doctors told me I could have had

0:11:58.200 --> 0:12:01.360
<v Speaker 1>a massive heart attack. I wouldn't I have survived. There

0:12:01.440 --> 0:12:03.480
<v Speaker 1>was a traumatic moment for me. I was in shock.

0:12:03.920 --> 0:12:07.000
<v Speaker 1>She underwent emergency surgery two days later and had a

0:12:07.040 --> 0:12:09.760
<v Speaker 1>stint inserted into the artery to keep it from narrowing

0:12:09.880 --> 0:12:11.240
<v Speaker 1>or closing day.

0:12:11.640 --> 0:12:16.080
<v Speaker 2>How does that? How does that cause via lupus? I

0:12:16.080 --> 0:12:19.640
<v Speaker 2>know La shows up different for everybody, but I wonder

0:12:19.640 --> 0:12:22.200
<v Speaker 2>if she's ever had any heart issues prior to now,

0:12:22.480 --> 0:12:26.760
<v Speaker 2>that's right, that's weird. Yeah, lupas affects everybody differently because

0:12:26.760 --> 0:12:30.600
<v Speaker 2>some people are like for real, like bedridden, can't walk,

0:12:30.760 --> 0:12:34.160
<v Speaker 2>skin crazy, like like is your body like for real?

0:12:34.280 --> 0:12:35.080
<v Speaker 2>Turning it against you?

0:12:37.000 --> 0:12:37.240
<v Speaker 1>Yeah?

0:12:37.320 --> 0:12:39.880
<v Speaker 2>Yeah, you know what I want to talk about. Also

0:12:41.280 --> 0:12:45.720
<v Speaker 2>prose prose. Michael from the from the Fujis so Praz

0:12:45.800 --> 0:12:49.199
<v Speaker 2>was the founder of the Fujis, but he got convicted

0:12:49.400 --> 0:12:56.360
<v Speaker 2>of ten counts of conspiracy essentially last week he was

0:12:56.400 --> 0:13:00.040
<v Speaker 2>in federal court. You even had Leonardo DiCaprio DiCaprio so

0:13:00.440 --> 0:13:04.960
<v Speaker 2>testify against him. But I don't think people understand what

0:13:05.040 --> 0:13:06.800
<v Speaker 2>the fuck is really going on with that, And maybe

0:13:07.040 --> 0:13:08.720
<v Speaker 2>I'll try to convey it a little bit.

0:13:09.000 --> 0:13:09.200
<v Speaker 1>Right.

0:13:09.840 --> 0:13:12.000
<v Speaker 2>I feel like the headlines have been trying to throw

0:13:12.080 --> 0:13:17.480
<v Speaker 2>in our previous president, which is Trump. But this just

0:13:17.600 --> 0:13:21.480
<v Speaker 2>started with the Obama administration. Essentially, they had been funneling

0:13:21.520 --> 0:13:28.360
<v Speaker 2>money to the Obama administration, like you know, during the

0:13:28.360 --> 0:13:37.200
<v Speaker 2>twenty twelve election by way of this this Chinese businessman. Essentially,

0:13:37.320 --> 0:13:44.240
<v Speaker 2>they stole billions of dollars from a Chinese fund and

0:13:44.679 --> 0:13:47.800
<v Speaker 2>they were funneling money like illegal lobbying and shit like that.

0:13:47.960 --> 0:13:53.640
<v Speaker 2>So the complaint reads that federal jury convicted US entertainer

0:13:53.679 --> 0:13:58.320
<v Speaker 2>and businessman today of orchestrating an unregistered back channel campaign

0:13:58.440 --> 0:14:02.199
<v Speaker 2>beginning in or about twenty seventeen to influence the then

0:14:02.240 --> 0:14:06.160
<v Speaker 2>administration of the President of the United States and Department

0:14:06.200 --> 0:14:10.439
<v Speaker 2>of Justice to drop the investigations of Joe Lo jh

0:14:10.600 --> 0:14:15.240
<v Speaker 2>or Is a Jayo Jayo Ho j Ho Loo is

0:14:15.280 --> 0:14:18.760
<v Speaker 2>his name, j Lo j lo Is j Ho Lo

0:14:18.960 --> 0:14:24.200
<v Speaker 2>though and others for embezzlement and other offenses in connection

0:14:24.280 --> 0:14:29.400
<v Speaker 2>with the international strategic and development company known as One

0:14:29.480 --> 0:14:35.720
<v Speaker 2>Malaysia Development berhad it's one m d B and to

0:14:35.760 --> 0:14:38.560
<v Speaker 2>send a Chinese national back to China, as well as

0:14:38.600 --> 0:14:44.320
<v Speaker 2>inspiring to make and conco foreign and conduit campaign contributions

0:14:44.400 --> 0:14:47.840
<v Speaker 2>during the twenty twelve US presidential elections. So that's when

0:14:48.200 --> 0:14:51.240
<v Speaker 2>Obama would have been in office. So, according to the

0:14:51.280 --> 0:14:56.560
<v Speaker 2>documents and evidence presented at trial, Praz Michael fifty of

0:14:56.600 --> 0:15:03.400
<v Speaker 2>Coconut Creek, Florida, conspired with Low Tech Jyho Aka Jho

0:15:03.560 --> 0:15:06.440
<v Speaker 2>Low of Malaysia, and then they have all these other

0:15:06.480 --> 0:15:10.160
<v Speaker 2>people listed and others to engage in undisclosed lobbying campaigns

0:15:10.200 --> 0:15:13.160
<v Speaker 2>at the direction of Low and the Vice Minister of

0:15:13.160 --> 0:15:17.080
<v Speaker 2>Public Security for the People's Republic of China, respectively, to

0:15:17.200 --> 0:15:21.400
<v Speaker 2>have the one mdb em bezzlman investigate investigation and forfeiture

0:15:21.440 --> 0:15:25.600
<v Speaker 2>proceedings including Low and others dropped, and have Chinese national

0:15:25.680 --> 0:15:30.960
<v Speaker 2>sent back to China. So essentially he was give him money,

0:15:31.000 --> 0:15:34.280
<v Speaker 2>trying to funnel money to the campaign, right, and then

0:15:34.360 --> 0:15:38.640
<v Speaker 2>also trying to convince the Trump administration to stop investigating

0:15:39.000 --> 0:15:41.200
<v Speaker 2>the shit they did in twenty twelve. Ah, while y'all

0:15:41.240 --> 0:15:43.440
<v Speaker 2>got Trump fucked up for giving a bitch one hundred

0:15:43.440 --> 0:15:46.960
<v Speaker 2>and thirty dollars for one hundred and thirty thousand dollars

0:15:47.280 --> 0:15:47.680
<v Speaker 2>to come.

0:15:47.720 --> 0:15:52.000
<v Speaker 1>Sure, if we investigated any all of them, all of them,

0:15:52.520 --> 0:15:55.440
<v Speaker 1>I'll have some money that came from somewhere that didn't

0:15:55.480 --> 0:15:56.760
<v Speaker 1>belong all of them.

0:15:56.880 --> 0:15:59.400
<v Speaker 2>Because that's how we get in trouble with these other countries,

0:15:59.480 --> 0:16:02.160
<v Speaker 2>Like people are doing backdoor deals and shit like that,

0:16:02.680 --> 0:16:05.520
<v Speaker 2>swapping money. It happens all the time. I just hate

0:16:05.520 --> 0:16:08.920
<v Speaker 2>how this black man this one lone black man is

0:16:08.960 --> 0:16:14.200
<v Speaker 2>about to take the fall for a major criminal enterprise.

0:16:14.280 --> 0:16:17.800
<v Speaker 2>At this point, this shit is, this shit is way

0:16:17.800 --> 0:16:20.200
<v Speaker 2>bigger than these little, small, little headlines. This shit is

0:16:20.200 --> 0:16:23.400
<v Speaker 2>real serious. I don't think people know how serious it

0:16:23.480 --> 0:16:25.040
<v Speaker 2>is though, because.

0:16:24.880 --> 0:16:27.920
<v Speaker 1>Yeah, I don't think people understand how serious this is.

0:16:28.000 --> 0:16:30.840
<v Speaker 1>But I cannot wait for it to be adapted into

0:16:30.920 --> 0:16:31.720
<v Speaker 1>a movie.

0:16:32.160 --> 0:16:37.160
<v Speaker 2>So you can get the summary. Oh la la la,

0:16:37.320 --> 0:16:43.160
<v Speaker 2>I hate you out. That's just fucking senious. We're in

0:16:43.240 --> 0:16:46.840
<v Speaker 2>trouble right now. Our country has literally been sold. Our

0:16:46.880 --> 0:16:49.520
<v Speaker 2>country has been bought and fucking sold, and people don't

0:16:49.560 --> 0:16:54.160
<v Speaker 2>see that. They don't see that we fucked up right now,

0:16:54.200 --> 0:16:57.080
<v Speaker 2>Like do y'all see bricks? Is like this is basically

0:16:57.160 --> 0:17:03.320
<v Speaker 2>essentially like you're all these other countries are coming together

0:17:03.400 --> 0:17:05.560
<v Speaker 2>now and they're like, fuck the United States, Fuck the US.

0:17:06.480 --> 0:17:11.439
<v Speaker 2>That's a problem. It's no more United Nations. We like

0:17:11.600 --> 0:17:14.320
<v Speaker 2>literally now on an island by ourselves. And I don't

0:17:14.359 --> 0:17:17.639
<v Speaker 2>really blame these other countries, like America does some fucked

0:17:17.680 --> 0:17:21.440
<v Speaker 2>up stuff to other people. I hate the term destabilized,

0:17:21.440 --> 0:17:24.920
<v Speaker 2>like you're running up in other people's countries to destabilize

0:17:24.960 --> 0:17:28.879
<v Speaker 2>some stable shit like the main thing that the United

0:17:28.880 --> 0:17:33.760
<v Speaker 2>States produces. It's like warshit, war tools, guns, ammunition, big

0:17:33.800 --> 0:17:36.400
<v Speaker 2>stupid ass missiles and shit like that. That's our main

0:17:36.480 --> 0:17:40.560
<v Speaker 2>industry here, and that's all like makings of a fucking bully.

0:17:42.720 --> 0:17:44.480
<v Speaker 2>So yeah, this shit is fucking serious.

0:17:44.480 --> 0:17:44.680
<v Speaker 1>Man.

0:17:44.800 --> 0:17:46.920
<v Speaker 2>I wish more people would look into what's really going

0:17:46.920 --> 0:17:48.719
<v Speaker 2>on with Prouse and it's it's terrible that he's going

0:17:48.760 --> 0:17:50.000
<v Speaker 2>to take the fall. And they said he was a

0:17:50.800 --> 0:17:55.480
<v Speaker 2>US informant for twenty years, a federal informer for twenty years.

0:17:55.480 --> 0:17:58.040
<v Speaker 2>But what he informed on was the fact that that

0:17:58.440 --> 0:18:02.480
<v Speaker 2>China had an America citizen and the Chinese national like

0:18:02.560 --> 0:18:05.560
<v Speaker 2>hell captive at some point. That's what he informed the

0:18:05.640 --> 0:18:11.600
<v Speaker 2>US government of nobody's talking about that that part. But yeah,

0:18:12.280 --> 0:18:13.000
<v Speaker 2>that's that's well.

0:18:13.080 --> 0:18:14.639
<v Speaker 1>I can't wait for the minutes.

0:18:14.800 --> 0:18:23.600
<v Speaker 2>So crazy ass, y'all. Rip to Jerry Springer, Yes, Rip

0:18:24.000 --> 0:18:25.880
<v Speaker 2>to Harry Belafonte.

0:18:26.720 --> 0:18:30.080
<v Speaker 1>Yes, both of those people. I feel like it's certain

0:18:30.119 --> 0:18:34.399
<v Speaker 1>to be like, if there is a heaven, there's a

0:18:34.400 --> 0:18:36.760
<v Speaker 1>lot more cool people in heaven than still on the earth.

0:18:38.680 --> 0:18:43.240
<v Speaker 2>This is hell. Like, this shit is so fucking stressful. Yeah,

0:18:43.440 --> 0:18:46.960
<v Speaker 2>I remember I was an angueola talking shit about America

0:18:47.119 --> 0:18:49.960
<v Speaker 2>We was like sit at the bar and my homegirl

0:18:50.000 --> 0:18:51.840
<v Speaker 2>her phone was on the bar and were just like, man,

0:18:51.880 --> 0:18:54.360
<v Speaker 2>America so stressful, Like yeah, these people might have less

0:18:54.400 --> 0:18:56.240
<v Speaker 2>over here, but they chilling like they live on the beach.

0:18:56.280 --> 0:18:59.080
<v Speaker 2>That girl, why the fuck SERI came on and started

0:18:59.080 --> 0:19:02.280
<v Speaker 2>calling the police on us. That bitch started calling nine

0:19:02.400 --> 0:19:06.000
<v Speaker 2>one one on us for talking shit about America. Here.

0:19:06.000 --> 0:19:12.600
<v Speaker 2>We don't play by her, Like what what the hell

0:19:13.080 --> 0:19:16.679
<v Speaker 2>they be listening? They be listening, man, all this AI

0:19:16.840 --> 0:19:20.600
<v Speaker 2>shit that's happening. If you're reading this, it's too late.

0:19:21.440 --> 0:19:23.080
<v Speaker 2>If you're listening to this, it's too late.

0:19:24.160 --> 0:19:25.840
<v Speaker 1>You had to put me on some I just want

0:19:25.880 --> 0:19:27.560
<v Speaker 1>my man to get some land at this point and

0:19:27.600 --> 0:19:28.239
<v Speaker 1>put me on it.

0:19:29.320 --> 0:19:29.439
<v Speaker 2>Now.

0:19:29.560 --> 0:19:33.120
<v Speaker 1>Had that put me on some land so I can

0:19:33.160 --> 0:19:36.160
<v Speaker 1>just raise some animals and grow my own food.

0:19:36.200 --> 0:19:38.320
<v Speaker 2>You're that homestead and it's fucking hard. I got a

0:19:38.359 --> 0:19:42.360
<v Speaker 2>few homestead books I ordered off Amazon, like when shit

0:19:42.520 --> 0:19:44.680
<v Speaker 2>really gets stupid, I'll know how to make a windmill

0:19:44.800 --> 0:19:47.520
<v Speaker 2>and shit and how to generate enemy from water.

0:19:48.600 --> 0:19:51.879
<v Speaker 1>I need to learn how to make preserves. My grandma

0:19:51.920 --> 0:19:53.480
<v Speaker 1>got a recipe book. I need to look at it.

0:19:53.560 --> 0:19:55.440
<v Speaker 1>I need to dust it off and look at how

0:19:55.560 --> 0:19:58.960
<v Speaker 1>she used to have like a cabinet full of preservatives,

0:19:59.000 --> 0:20:02.720
<v Speaker 1>like just jars and jars and stuff. And I can't

0:20:02.840 --> 0:20:07.560
<v Speaker 1>I can preserve. I can't keep nothing living right now

0:20:07.560 --> 0:20:12.720
<v Speaker 1>but myself. But we're gonna work on it.

0:20:12.960 --> 0:20:15.960
<v Speaker 2>Shame my plants so thriving. My little money plant, g

0:20:16.080 --> 0:20:17.720
<v Speaker 2>I got her sitting by the door right now. I'd

0:20:17.720 --> 0:20:19.440
<v Speaker 2>be kissing that plant all the type of shit. I'm

0:20:19.440 --> 0:20:21.000
<v Speaker 2>so proud that I've been able to keep that plan

0:20:21.080 --> 0:20:22.160
<v Speaker 2>alive for about a year now.

0:20:22.760 --> 0:20:26.000
<v Speaker 1>I mean that's good. Mine lasted like two months, two

0:20:26.119 --> 0:20:30.080
<v Speaker 1>three months. I I think I overloved it.

0:20:31.800 --> 0:20:33.240
<v Speaker 2>You probably put too much on it.

0:20:33.680 --> 0:20:34.399
<v Speaker 1>Yeah, that's what I think.

0:20:34.440 --> 0:20:35.560
<v Speaker 3>And I overwater it.

0:20:35.600 --> 0:20:38.159
<v Speaker 1>I talk to it every day, and I used to

0:20:38.240 --> 0:20:41.720
<v Speaker 1>be like, why is you looking like that?

0:20:41.720 --> 0:20:44.000
<v Speaker 2>That should only need like minimal light and like six

0:20:44.080 --> 0:20:46.640
<v Speaker 2>ounces of water every three weeks is what you're supposed

0:20:46.640 --> 0:20:49.919
<v Speaker 2>to give it. I put coconut water on my plant

0:20:50.160 --> 0:20:53.560
<v Speaker 2>so she'd be like, well, bitch, thank you, but y'all

0:20:53.640 --> 0:20:58.600
<v Speaker 2>like again. Rip to Jerry Springer and Harry Belafonte. Halle

0:20:58.600 --> 0:21:02.440
<v Speaker 2>and Harry Belafonte was ninety. Jerry Springer died at seventy nine,

0:21:03.160 --> 0:21:06.840
<v Speaker 2>and this is a great segue into what we want

0:21:06.840 --> 0:21:12.760
<v Speaker 2>to talk about today, life insurance, health insurance. We're gonna

0:21:12.800 --> 0:21:16.240
<v Speaker 2>make sure we aside from talk about relationships and shit

0:21:16.320 --> 0:21:18.480
<v Speaker 2>like that all the damn time, we do have other

0:21:18.560 --> 0:21:22.119
<v Speaker 2>things that we're capable of speaking on. Right, So we

0:21:22.160 --> 0:21:24.600
<v Speaker 2>do have a special guest on we Talked Back this week.

0:21:24.840 --> 0:21:28.280
<v Speaker 2>Who's gonna give us and our listeners more information? I mean,

0:21:28.320 --> 0:21:30.200
<v Speaker 2>we're all at that age you don't wanna wait until

0:21:30.720 --> 0:21:33.879
<v Speaker 2>something bad happens to think about these things. Get on

0:21:33.880 --> 0:21:39.000
<v Speaker 2>top of it today, all right.

0:21:39.000 --> 0:21:41.439
<v Speaker 1>Y'all, Thank y'all for joining we talk Back TV. All right,

0:21:41.520 --> 0:21:43.879
<v Speaker 1>So we have a special guest on today. It is

0:21:43.920 --> 0:21:46.320
<v Speaker 1>actually my cousin, And the reason why I wanted to

0:21:46.359 --> 0:21:49.679
<v Speaker 1>bring her on is y'all will be having these gofundmes

0:21:49.760 --> 0:21:53.480
<v Speaker 1>every time someone passes away, someone's sick. That is just

0:21:53.520 --> 0:21:56.440
<v Speaker 1>seems like to be the black way to handle things

0:21:56.440 --> 0:21:59.560
<v Speaker 1>when it comes to health care and paying for death.

0:22:00.160 --> 0:22:01.600
<v Speaker 1>And we all got to go up out of here,

0:22:01.640 --> 0:22:03.880
<v Speaker 1>so we need to get in front of that. So

0:22:03.920 --> 0:22:06.800
<v Speaker 1>I got my cousin, Aaron Corbett on and she's a

0:22:06.880 --> 0:22:10.159
<v Speaker 1>licensed insurance professional. She's been in the industry for almost

0:22:10.240 --> 0:22:13.560
<v Speaker 1>ten years. And she has a lot of experience, tons

0:22:13.560 --> 0:22:15.959
<v Speaker 1>of experience, and she's literally helped me so much when

0:22:16.000 --> 0:22:18.879
<v Speaker 1>it comes to my health insurance and my health care.

0:22:19.080 --> 0:22:20.959
<v Speaker 1>So I wanted to have a conversation with her so

0:22:21.000 --> 0:22:23.119
<v Speaker 1>we can get some knowledge for y'all on how to

0:22:23.200 --> 0:22:24.760
<v Speaker 1>get on top of that, so we can start with

0:22:24.800 --> 0:22:29.840
<v Speaker 1>this gofunmy shit. Hey eron, girl, thank you for joining us.

0:22:31.880 --> 0:22:34.760
<v Speaker 2>Yeah black for you guys to have me here today.

0:22:34.920 --> 0:22:35.919
<v Speaker 2>It's a family affair.

0:22:36.560 --> 0:22:39.679
<v Speaker 1>I wanna get some real information to our listeners that

0:22:39.760 --> 0:22:42.560
<v Speaker 1>can help, because you know, I was out here running

0:22:42.560 --> 0:22:44.800
<v Speaker 1>around here, Like I know a lot of people they

0:22:44.920 --> 0:22:49.240
<v Speaker 1>use the emergency room as their only source of health care.

0:22:49.280 --> 0:22:51.679
<v Speaker 1>Like they wait till they almost half did, right, and

0:22:51.720 --> 0:22:53.560
<v Speaker 1>they just go to the emergency room and then they

0:22:53.600 --> 0:22:57.240
<v Speaker 1>have these astronomical bills that they never plan to pay.

0:22:58.119 --> 0:23:00.440
<v Speaker 1>And you know that's just not the health healthy way

0:23:00.480 --> 0:23:03.199
<v Speaker 1>to do it. First, you tell everybody about yourself and

0:23:03.240 --> 0:23:05.840
<v Speaker 1>your your career. Sure.

0:23:06.040 --> 0:23:08.320
<v Speaker 4>So again, my name is Aaron Corbett.

0:23:09.000 --> 0:23:11.879
<v Speaker 5>Like I said, I've been in the insurance industry almost

0:23:11.920 --> 0:23:15.359
<v Speaker 5>ten years. I do carry three licenses. I'll do health,

0:23:15.400 --> 0:23:19.159
<v Speaker 5>life and supplementals, So basically I work with everything that

0:23:20.119 --> 0:23:22.440
<v Speaker 5>deals with whatever can happen to you while you're alive

0:23:23.160 --> 0:23:24.520
<v Speaker 5>or after someone passes away.

0:23:25.000 --> 0:23:28.240
<v Speaker 2>Okay, so life insurance is not just for the dad,

0:23:28.359 --> 0:23:34.800
<v Speaker 2>y'all like and while you're living for the living, So.

0:23:34.840 --> 0:23:38.399
<v Speaker 1>Have life insurance for the living, because don't like you

0:23:38.440 --> 0:23:39.600
<v Speaker 1>don't get paid out to you.

0:23:39.720 --> 0:23:40.760
<v Speaker 4>No, that's not true.

0:23:40.800 --> 0:23:44.679
<v Speaker 2>So let's talk about whole life insurance, for instance, in

0:23:44.760 --> 0:23:47.800
<v Speaker 2>different different ways people actually build wealth. We can start there,

0:23:48.080 --> 0:23:50.520
<v Speaker 2>build wealth from having life insurance policies. I think a

0:23:50.520 --> 0:23:52.680
<v Speaker 2>lot of black people are they miss that because they

0:23:52.720 --> 0:23:54.680
<v Speaker 2>just don't know because they only think about life insurance

0:23:54.680 --> 0:23:56.240
<v Speaker 2>when it's when somebody dies.

0:23:56.560 --> 0:23:57.280
<v Speaker 4>That's correct.

0:23:57.800 --> 0:24:02.000
<v Speaker 5>Life insurance it's a tool for finance, right, because if

0:24:02.040 --> 0:24:04.800
<v Speaker 5>you buy whole life policies that you were speaking of,

0:24:05.280 --> 0:24:09.360
<v Speaker 5>what it does is it generates your own.

0:24:09.200 --> 0:24:09.960
<v Speaker 4>Source of a loan.

0:24:10.280 --> 0:24:10.560
<v Speaker 2>Right.

0:24:10.960 --> 0:24:14.200
<v Speaker 5>And if there's different variations of life insurances. But let's say,

0:24:14.200 --> 0:24:17.000
<v Speaker 5>for example, you have like a twenty pay life insurance.

0:24:17.040 --> 0:24:19.359
<v Speaker 5>It'll be paid off in twenty years. Let's say it

0:24:19.400 --> 0:24:22.080
<v Speaker 5>was fifty thousand, but you only put twenty thousand in it.

0:24:22.280 --> 0:24:25.280
<v Speaker 5>So if you started at thirty, paid it off by fifty,

0:24:25.359 --> 0:24:27.560
<v Speaker 5>now you have fifty thousand dollars just sitting there for

0:24:27.600 --> 0:24:29.640
<v Speaker 5>whatever you want. You can purchase a home within cash

0:24:29.680 --> 0:24:31.680
<v Speaker 5>it out. You can use it to pay down debt

0:24:31.680 --> 0:24:34.200
<v Speaker 5>if that's something that you had going on, pay for

0:24:34.280 --> 0:24:37.000
<v Speaker 5>children's college and different things like that, start your own business.

0:24:37.000 --> 0:24:39.600
<v Speaker 5>But it becomes your own source of money to borrow

0:24:39.640 --> 0:24:43.160
<v Speaker 5>from cash out without taking out a loan that has interests,

0:24:43.800 --> 0:24:44.520
<v Speaker 5>different things like that.

0:24:44.600 --> 0:24:46.280
<v Speaker 4>So that is a way that they do use it

0:24:46.320 --> 0:24:47.080
<v Speaker 4>to build wealth.

0:24:47.480 --> 0:24:49.480
<v Speaker 2>So, you know, we talk about reparations a lot, like

0:24:49.480 --> 0:24:51.520
<v Speaker 2>Black people, Oh, we need to get paid for slaveryness

0:24:51.520 --> 0:24:52.639
<v Speaker 2>in a third, but I think that a lot of

0:24:52.680 --> 0:24:55.760
<v Speaker 2>people don't have deliverables. Like if we were to actually

0:24:55.760 --> 0:24:58.520
<v Speaker 2>acts for reparations, what are some of the deliverables? And

0:24:58.600 --> 0:25:00.400
<v Speaker 2>whole life insurance is one of the things I would

0:25:00.400 --> 0:25:03.200
<v Speaker 2>ask for. We need whole life assurance free tuition.

0:25:03.359 --> 0:25:05.560
<v Speaker 1>When you say whole life insurance is.

0:25:05.720 --> 0:25:08.360
<v Speaker 2>Because it's a tool to build wealth. Right, So imagine

0:25:08.359 --> 0:25:10.840
<v Speaker 2>if every black person, this is my one thought process

0:25:10.840 --> 0:25:14.000
<v Speaker 2>of life assurance. There's not enough black people with life assurance.

0:25:14.000 --> 0:25:16.760
<v Speaker 2>So we think about how the police keep killing black people. Right,

0:25:17.400 --> 0:25:20.680
<v Speaker 2>If more black people have life insurance, the police would

0:25:20.680 --> 0:25:23.880
<v Speaker 2>be less likely to kill us. There's just no repercussions

0:25:23.920 --> 0:25:26.040
<v Speaker 2>for killing black people. They literally have a license to

0:25:26.119 --> 0:25:28.960
<v Speaker 2>kill black people, and your family can't benefit from the

0:25:29.040 --> 0:25:31.960
<v Speaker 2>death either because you don't have life assurance. If more

0:25:32.040 --> 0:25:35.080
<v Speaker 2>black people had life insurance, it would probably be less

0:25:35.200 --> 0:25:38.640
<v Speaker 2>police killings because the insurance companies going to start suing

0:25:38.920 --> 0:25:40.959
<v Speaker 2>the police departments if they have to keep paying out

0:25:41.000 --> 0:25:44.640
<v Speaker 2>on these loans. Well, I'm sorry on these policies. Paying

0:25:44.640 --> 0:25:46.200
<v Speaker 2>out on the policies, not the loans.

0:25:47.200 --> 0:25:49.080
<v Speaker 5>It could make higher risk rading. So it might just

0:25:49.119 --> 0:25:53.600
<v Speaker 5>cost more for black people to get life insurance for

0:25:53.720 --> 0:25:56.480
<v Speaker 5>us to live anyway. Yes, but I just to kind

0:25:56.480 --> 0:25:59.720
<v Speaker 5>of touch on something that you said. I think that

0:26:00.080 --> 0:26:03.080
<v Speaker 5>we just don't prepare or value certain things in the

0:26:03.160 --> 0:26:08.000
<v Speaker 5>right way. When we talk about the difference between black

0:26:08.640 --> 0:26:13.320
<v Speaker 5>people and other ethnicities. What they do is they prepare,

0:26:14.400 --> 0:26:17.960
<v Speaker 5>so there's common conversations in a white household to have

0:26:18.440 --> 0:26:21.560
<v Speaker 5>life insurance, to have short term disability, to make sure

0:26:21.600 --> 0:26:25.040
<v Speaker 5>they have these different policies like cancer policies, critical illness

0:26:25.240 --> 0:26:28.679
<v Speaker 5>just in case, right, because the thing that happens is

0:26:29.600 --> 0:26:32.040
<v Speaker 5>something's going to happen to you, when it's going to

0:26:32.080 --> 0:26:34.440
<v Speaker 5>happen to you, is what you don't know, and how

0:26:34.480 --> 0:26:37.520
<v Speaker 5>do you prepare to not ruin everything that you built

0:26:38.040 --> 0:26:42.200
<v Speaker 5>your whole life around your house, right, all the savings

0:26:42.200 --> 0:26:45.159
<v Speaker 5>that you may have saved, didn't go on vacations just

0:26:45.200 --> 0:26:47.160
<v Speaker 5>to have this sit in here? How do you protect

0:26:47.160 --> 0:26:49.119
<v Speaker 5>yourself in that way? And we just don't do a

0:26:49.119 --> 0:26:50.879
<v Speaker 5>good job of that. We'll go buy one hundred and

0:26:50.960 --> 0:26:53.600
<v Speaker 5>twenty dollars, Jordan's two hundred and fifty dollars, Jordan's the

0:26:53.640 --> 0:26:55.679
<v Speaker 5>new Yeezy's on the drop for four hundred dollars on

0:26:55.680 --> 0:26:59.000
<v Speaker 5>a resale, and a policy like this in the right

0:26:59.000 --> 0:27:03.760
<v Speaker 5>age range's about dollars a month. You know, we just

0:27:03.800 --> 0:27:07.080
<v Speaker 5>do not prepare in the right way. The way we

0:27:07.119 --> 0:27:09.640
<v Speaker 5>spend our money is not for the right things, so

0:27:09.720 --> 0:27:12.160
<v Speaker 5>when things do happen, we're ill prepared.

0:27:12.520 --> 0:27:14.120
<v Speaker 1>So let me ask you this. To get a life

0:27:14.160 --> 0:27:16.119
<v Speaker 1>insurance policy, do you have to go get like a

0:27:16.119 --> 0:27:19.479
<v Speaker 1>physical examination to see like what your health is in

0:27:19.560 --> 0:27:21.240
<v Speaker 1>order to be eligible.

0:27:22.040 --> 0:27:26.440
<v Speaker 4>Well, that actually depends on the amount that you want.

0:27:27.600 --> 0:27:32.680
<v Speaker 2>It also depends on your health. So some policies are.

0:27:32.600 --> 0:27:36.080
<v Speaker 5>Guaranteed issue, which means you don't have to go through

0:27:36.080 --> 0:27:39.400
<v Speaker 5>a health exam. You just have to pass the underwriting

0:27:39.480 --> 0:27:42.480
<v Speaker 5>questions or whatever they may be. When you start getting

0:27:42.480 --> 0:27:45.360
<v Speaker 5>over a certain dollar amount, like one hundred thousand, then

0:27:45.400 --> 0:27:47.640
<v Speaker 5>they become more underwriting questions.

0:27:48.040 --> 0:27:48.880
<v Speaker 4>And I know in our.

0:27:48.760 --> 0:27:50.520
<v Speaker 5>Community we like say I just got a little bit

0:27:50.520 --> 0:27:53.440
<v Speaker 5>of diabetes, a little bit of high blood pressure, right,

0:27:53.480 --> 0:27:55.520
<v Speaker 5>But those are actually things that can knock you out

0:27:55.960 --> 0:27:59.520
<v Speaker 5>or put you in a clause. And that clause could

0:27:59.520 --> 0:28:01.480
<v Speaker 5>be two three years, but god forbid you had a

0:28:01.480 --> 0:28:02.480
<v Speaker 5>heart attacking that two.

0:28:02.480 --> 0:28:03.119
<v Speaker 2>Or three years.

0:28:04.280 --> 0:28:05.520
<v Speaker 1>Then you don't get shit.

0:28:05.680 --> 0:28:07.159
<v Speaker 4>You just getting the money you're paying into it.

0:28:07.320 --> 0:28:10.399
<v Speaker 1>Okay, So and that could be very small. If you're

0:28:10.400 --> 0:28:12.840
<v Speaker 1>saying it's something like twenty thirty dollars a month, yes,

0:28:12.920 --> 0:28:16.720
<v Speaker 1>you're gonna check for four hundred dollars absolutely.

0:28:16.560 --> 0:28:18.520
<v Speaker 2>So how do you determine what type of life insurance

0:28:18.560 --> 0:28:23.040
<v Speaker 2>policy you need? So if I'm I'm thirty eight, right,

0:28:23.119 --> 0:28:27.200
<v Speaker 2>no kids at my age, what type of policy would

0:28:27.200 --> 0:28:29.160
<v Speaker 2>you suggest at your age?

0:28:29.200 --> 0:28:32.960
<v Speaker 5>I absolutely suggest a whole life because it's affordable for you.

0:28:33.080 --> 0:28:36.760
<v Speaker 5>So the problem that happens is, you know a lot

0:28:36.800 --> 0:28:39.360
<v Speaker 5>of individuals start looking at these things at fifty wrong

0:28:39.440 --> 0:28:43.000
<v Speaker 5>move right, that's absolutely the wrong move. Age is your

0:28:43.200 --> 0:28:46.720
<v Speaker 5>benefit and with younger age, you also have better health,

0:28:47.320 --> 0:28:53.160
<v Speaker 5>so you can get more coverage for cheaper cheaper, So

0:28:53.400 --> 0:28:57.160
<v Speaker 5>whole life for sure. And then you also have to

0:28:57.200 --> 0:28:59.600
<v Speaker 5>start thinking about like what's your like, what are you

0:28:59.640 --> 0:29:01.960
<v Speaker 5>trying to cover in the event that I'm not here?

0:29:02.040 --> 0:29:06.440
<v Speaker 5>So someone is self employed, has a business, you know,

0:29:06.680 --> 0:29:09.200
<v Speaker 5>you should start the stack policies. And what I mean

0:29:09.240 --> 0:29:11.840
<v Speaker 5>by stack policies you should always have like a whole

0:29:11.840 --> 0:29:14.560
<v Speaker 5>life policy as a base, but then have a term

0:29:14.640 --> 0:29:18.320
<v Speaker 5>life that's high limit over it, right, because.

0:29:18.120 --> 0:29:20.800
<v Speaker 1>So explain that in a way. So tell people like

0:29:20.960 --> 0:29:23.040
<v Speaker 1>what is a term life mean?

0:29:23.200 --> 0:29:25.160
<v Speaker 4>Like sure, so let's go back.

0:29:25.200 --> 0:29:29.040
<v Speaker 5>So term life policy is a life policy that expires

0:29:29.080 --> 0:29:32.760
<v Speaker 5>after a certain amount of time, so it's ten, fifteen, twenty,

0:29:32.840 --> 0:29:36.920
<v Speaker 5>twenty five years, right. But with those type of policies,

0:29:36.920 --> 0:29:40.480
<v Speaker 5>they bet on your life expectancy, so most people outlive

0:29:40.520 --> 0:29:41.160
<v Speaker 5>those policies.

0:29:41.200 --> 0:29:43.040
<v Speaker 2>So if you've ever seen where your.

0:29:43.160 --> 0:29:45.120
<v Speaker 5>Grandparents are to say, I had this policy but it

0:29:45.120 --> 0:29:47.360
<v Speaker 5>didn't pay out and then they find out it's a

0:29:47.440 --> 0:29:49.920
<v Speaker 5>term life. It happened a lot in the black community, right,

0:29:50.320 --> 0:29:53.760
<v Speaker 5>So they had all this insurance and then they let

0:29:53.840 --> 0:29:56.240
<v Speaker 5>us sit there for twenty thirty forty years. So when

0:29:56.240 --> 0:29:58.160
<v Speaker 5>they go to pass away and I'm like, oh, they

0:29:58.200 --> 0:30:01.239
<v Speaker 5>have this policy. They realize it's only term life, and

0:30:01.520 --> 0:30:04.920
<v Speaker 5>term life policies are cheap, it's more economical, so yes,

0:30:05.000 --> 0:30:07.920
<v Speaker 5>that's what the people go for. However, they never understand

0:30:07.920 --> 0:30:10.560
<v Speaker 5>the fact that it's almost like a waste of money.

0:30:11.160 --> 0:30:13.040
<v Speaker 2>So they pay into this thing the whole time, and

0:30:13.080 --> 0:30:15.960
<v Speaker 2>then when you try to draw there's nothing there. It

0:30:16.120 --> 0:30:18.840
<v Speaker 2>ends at a certain amount of time, Okay.

0:30:18.520 --> 0:30:20.640
<v Speaker 1>So you have to pull it out when it ends, or.

0:30:21.080 --> 0:30:25.239
<v Speaker 5>There's no value in a term life policy. So what

0:30:25.320 --> 0:30:28.120
<v Speaker 5>I was saying about stacking benefits, right, So, say you

0:30:28.200 --> 0:30:33.200
<v Speaker 5>have a young family. You know you need five hundred thousand.

0:30:33.640 --> 0:30:35.240
<v Speaker 5>You know that you want to leave to your family

0:30:35.240 --> 0:30:38.600
<v Speaker 5>any event that something happens between the age of thirty

0:30:38.960 --> 0:30:41.400
<v Speaker 5>to fifty five, you can still have a whole life

0:30:41.400 --> 0:30:43.880
<v Speaker 5>policy as a base and a certain amount maybe say

0:30:43.880 --> 0:30:46.040
<v Speaker 5>one hundred thousand, But then you can get a higher

0:30:46.080 --> 0:30:47.240
<v Speaker 5>level term life which.

0:30:47.080 --> 0:30:49.360
<v Speaker 2>Is cheaper to carry for five hundred k.

0:30:49.480 --> 0:30:51.600
<v Speaker 4>So saying that any event that I'm not here to

0:30:51.640 --> 0:30:54.840
<v Speaker 4>take care of my kids schooling, or i need this

0:30:54.880 --> 0:30:56.200
<v Speaker 4>mortgage to be paid off. If I'm not here, I

0:30:56.200 --> 0:30:57.520
<v Speaker 4>don't want to leave it on my wife.

0:30:57.880 --> 0:31:00.880
<v Speaker 5>That's what I mean by stacking policies because it's gonna expire.

0:31:01.160 --> 0:31:02.680
<v Speaker 5>But what you want to do is be able to

0:31:02.720 --> 0:31:05.240
<v Speaker 5>get any event that something happens in the age where

0:31:05.400 --> 0:31:09.960
<v Speaker 5>you're gonna leave your family or a business you want

0:31:09.960 --> 0:31:11.200
<v Speaker 5>to have both.

0:31:12.400 --> 0:31:12.720
<v Speaker 2>Got in.

0:31:13.400 --> 0:31:16.560
<v Speaker 1>I'm confused as fuck. So all right, the whole life

0:31:16.560 --> 0:31:19.440
<v Speaker 1>policy is the policy that you were saying that you

0:31:19.440 --> 0:31:21.360
<v Speaker 1>can pull out of, and it's kind of like almost

0:31:21.360 --> 0:31:23.800
<v Speaker 1>like an investment. It's an investment, yes, right, But then

0:31:23.840 --> 0:31:27.120
<v Speaker 1>the term life is the one that you would want

0:31:27.160 --> 0:31:29.360
<v Speaker 1>to have just in case you die within that period.

0:31:29.560 --> 0:31:33.120
<v Speaker 5>Yeah, so say, like your example, thirty will use this

0:31:33.960 --> 0:31:36.719
<v Speaker 5>as we age, we know that you'd start to develop

0:31:36.800 --> 0:31:40.240
<v Speaker 5>health issues. Right, So let's just say someone got diagnosed

0:31:40.240 --> 0:31:43.800
<v Speaker 5>with cancer at forty five, right, they got two kids,

0:31:44.480 --> 0:31:47.959
<v Speaker 5>ones in college, ones in high school, get married, have

0:31:48.000 --> 0:31:52.800
<v Speaker 5>a brand new home. Say this person doesn't make it through. Right,

0:31:53.320 --> 0:31:56.240
<v Speaker 5>That term life is actually good in that sense because

0:31:57.800 --> 0:32:00.400
<v Speaker 5>a five hundred thousand dollars policy is very and so VIVI,

0:32:00.440 --> 0:32:02.400
<v Speaker 5>it's a whole life. So it becomes about what you

0:32:02.400 --> 0:32:03.120
<v Speaker 5>can actually.

0:32:03.000 --> 0:32:07.400
<v Speaker 2>Your whole life. Right, So you that's older the longer

0:32:07.440 --> 0:32:10.360
<v Speaker 2>you live it's good to have a whole life insurance

0:32:10.760 --> 0:32:13.960
<v Speaker 2>as opposed to term well because it's shorter.

0:32:14.080 --> 0:32:16.880
<v Speaker 1>Right, let me with the whole life.

0:32:16.880 --> 0:32:20.480
<v Speaker 2>So let me get the whole life you have forty five,

0:32:20.680 --> 0:32:25.080
<v Speaker 2>But it ain't that whole half, No guys, hold a wait,

0:32:25.080 --> 0:32:28.240
<v Speaker 2>hold on, hold on, Let me explain, Let me explain,

0:32:28.280 --> 0:32:30.720
<v Speaker 2>Let me clarify really quick. So what I'm saying is like,

0:32:30.720 --> 0:32:33.240
<v Speaker 2>you should always have a whole life policy. Right. That's

0:32:33.280 --> 0:32:37.840
<v Speaker 2>your cash, that's your equity, that's your asset. But to

0:32:38.440 --> 0:32:44.000
<v Speaker 2>afford a five hundred k whole life policy, it's a

0:32:44.000 --> 0:32:45.440
<v Speaker 2>few thousand a month. You have to be in a

0:32:45.480 --> 0:32:51.360
<v Speaker 2>certain tax bracket for that. Most average folks cannot afford that, right.

0:32:51.600 --> 0:32:54.040
<v Speaker 2>But what they can afford, maybe is one hundred thousand,

0:32:54.240 --> 0:32:57.840
<v Speaker 2>one hundred and fifty thousand whole life policy that they'll

0:32:58.080 --> 0:33:00.440
<v Speaker 2>that they can have there. But let's they have a

0:33:00.440 --> 0:33:04.080
<v Speaker 2>three hundred thousand dollar home, right and they passed away

0:33:04.080 --> 0:33:08.000
<v Speaker 2>at forty five. Somebody has to pay that off still, right.

0:33:08.440 --> 0:33:10.440
<v Speaker 5>So and that's why you put that term life on top,

0:33:10.760 --> 0:33:14.600
<v Speaker 5>because what it is doing is carrying your bigger assets

0:33:14.640 --> 0:33:17.320
<v Speaker 5>or debts, let me say correctly, debts that you may

0:33:17.360 --> 0:33:21.240
<v Speaker 5>have to pay right if you have medical expenses that

0:33:21.400 --> 0:33:23.240
<v Speaker 5>need to be paid off in a certain amount and

0:33:23.280 --> 0:33:25.000
<v Speaker 5>you pass away within that time frame.

0:33:25.440 --> 0:33:28.880
<v Speaker 1>So if I die, knock on, would my debt don't

0:33:28.920 --> 0:33:29.440
<v Speaker 1>die with me?

0:33:29.640 --> 0:33:33.640
<v Speaker 2>Knock care bitch, I can do it.

0:33:36.720 --> 0:33:40.880
<v Speaker 4>So for someone that's married, it doesn't. It goes to

0:33:40.960 --> 0:33:41.480
<v Speaker 4>the spouse.

0:33:41.840 --> 0:33:44.360
<v Speaker 2>Someone that's single, it is what it is.

0:33:44.680 --> 0:33:47.000
<v Speaker 5>So that's why I said, especially when someone that's married

0:33:47.040 --> 0:33:49.360
<v Speaker 5>with kids, you definitely want to put something over that

0:33:49.440 --> 0:33:50.600
<v Speaker 5>because your spouse is now on.

0:33:50.560 --> 0:33:53.479
<v Speaker 4>The hook for everything that happened to you.

0:33:53.600 --> 0:33:56.960
<v Speaker 1>Right, Damn, that's crazy. Yeah, I didn't know that. Yeah,

0:33:57.000 --> 0:33:59.000
<v Speaker 1>I saw a lady posting about a nigga who died

0:33:59.040 --> 0:34:02.160
<v Speaker 1>and owe him fourth thou over four thousand dollars. Did

0:34:02.200 --> 0:34:04.360
<v Speaker 1>y'all see that. It was circulating like she was mad

0:34:04.400 --> 0:34:05.400
<v Speaker 1>about it.

0:34:05.200 --> 0:34:07.920
<v Speaker 2>Now there is the state. Shit you might just put

0:34:07.920 --> 0:34:10.280
<v Speaker 2>a lean against. She couldn't put a lean against the state.

0:34:10.800 --> 0:34:15.239
<v Speaker 5>No, if there's no if there was no document that said, well.

0:34:15.160 --> 0:34:15.920
<v Speaker 2>They had a document.

0:34:15.960 --> 0:34:18.040
<v Speaker 1>Now this is a street nigga. She was like, give

0:34:18.080 --> 0:34:20.160
<v Speaker 1>me some of that go fund me because I.

0:34:20.160 --> 0:34:24.399
<v Speaker 2>Want my go get your money then, but I good

0:34:25.600 --> 0:34:27.680
<v Speaker 2>gave me back in blood in the beginning, we were

0:34:27.680 --> 0:34:30.680
<v Speaker 2>talking about how life insurance is not just for the dead,

0:34:30.719 --> 0:34:33.319
<v Speaker 2>so we talked about the investment portion of it. What

0:34:33.520 --> 0:34:37.600
<v Speaker 2>other benefits does life insurance provide.

0:34:37.600 --> 0:34:38.160
<v Speaker 1>For the living?

0:34:38.920 --> 0:34:42.080
<v Speaker 4>You can also again, and you can also borrow against.

0:34:41.640 --> 0:34:44.439
<v Speaker 2>It aside from that. Yes, So those are the two

0:34:44.480 --> 0:34:45.360
<v Speaker 2>biggest leverages.

0:34:45.400 --> 0:34:47.680
<v Speaker 5>It's just a financial tool in general, because when you

0:34:47.719 --> 0:34:51.520
<v Speaker 5>think about, like right now, if you had to go borrow,

0:34:51.640 --> 0:34:54.080
<v Speaker 5>go to the bank to borrow ten thousand dollars, you

0:34:54.120 --> 0:34:58.680
<v Speaker 5>have to be at a certain tax bracket or monthly

0:34:58.760 --> 0:35:02.160
<v Speaker 5>income for that at a maybe twenty five, twenty four,

0:35:02.360 --> 0:35:09.279
<v Speaker 5>seventeen percent interest rate. I mean, it almost becomes a

0:35:09.320 --> 0:35:11.479
<v Speaker 5>financial burden to even do that, even if you needed

0:35:11.480 --> 0:35:11.880
<v Speaker 5>the money.

0:35:11.960 --> 0:35:13.160
<v Speaker 1>Right but say.

0:35:13.040 --> 0:35:16.160
<v Speaker 5>You had, you know, a life insurance, you can borrow

0:35:16.160 --> 0:35:18.799
<v Speaker 5>that money from it, and the interest that's on it

0:35:18.840 --> 0:35:21.480
<v Speaker 5>is like very minimal, like point zero one percent. It

0:35:21.520 --> 0:35:24.960
<v Speaker 5>doesn't do anything, and every time you make a payment,

0:35:25.000 --> 0:35:27.279
<v Speaker 5>it's putting the money back into it. And it's something

0:35:27.320 --> 0:35:29.320
<v Speaker 5>that you're going to maintain naturally because you want to

0:35:29.360 --> 0:35:32.960
<v Speaker 5>have it. So it's just a it's a leverage tool

0:35:33.000 --> 0:35:36.120
<v Speaker 5>in all ways. If you can afford it to have

0:35:36.160 --> 0:35:41.120
<v Speaker 5>a whole life policy just as that backup do a.

0:35:41.120 --> 0:35:41.680
<v Speaker 4>Lot with it.

0:35:42.280 --> 0:35:44.560
<v Speaker 1>So as let's say it's a listener and they're like,

0:35:44.600 --> 0:35:46.360
<v Speaker 1>I wouldn't even know the first place to go to

0:35:46.400 --> 0:35:49.440
<v Speaker 1>get a life insurance policy. What would they need to do? Like,

0:35:49.760 --> 0:35:51.239
<v Speaker 1>how would they go navigate? That?

0:35:52.160 --> 0:35:52.480
<v Speaker 4>Man?

0:35:53.360 --> 0:35:56.960
<v Speaker 5>Well, how it depends, right, because everybody's of different health

0:35:57.080 --> 0:36:03.200
<v Speaker 5>and different different means, like monetarily, right, So you should

0:36:03.200 --> 0:36:03.920
<v Speaker 5>do your research.

0:36:04.040 --> 0:36:04.239
<v Speaker 4>Right.

0:36:05.520 --> 0:36:09.239
<v Speaker 5>Unfortunately, somebody that does have presisting conditions, just know you're

0:36:09.280 --> 0:36:10.200
<v Speaker 5>about to pay more.

0:36:10.760 --> 0:36:14.800
<v Speaker 2>Right, what if your health changes after you get the policy,

0:36:14.880 --> 0:36:15.560
<v Speaker 2>doesn't matter.

0:36:15.480 --> 0:36:16.200
<v Speaker 4>That doesn't matter.

0:36:16.719 --> 0:36:19.799
<v Speaker 5>But if you're coming in with pre existing conditions, you

0:36:19.880 --> 0:36:23.960
<v Speaker 5>are absolutely gonna pay more, no matter your age bracket.

0:36:24.520 --> 0:36:26.560
<v Speaker 5>So say, for example, you're in your thirties and you

0:36:26.600 --> 0:36:30.560
<v Speaker 5>have pre existing conditions. This person that's healthy at thirties

0:36:30.680 --> 0:36:33.920
<v Speaker 5>might pay twenty dollars, you might pay sixty. That's just

0:36:34.000 --> 0:36:36.160
<v Speaker 5>how it goes. And typically that's going to have a clause,

0:36:36.200 --> 0:36:38.720
<v Speaker 5>so god forbid if you pass within that clause, again,

0:36:39.760 --> 0:36:41.120
<v Speaker 5>it's probably not going to be payable.

0:36:42.239 --> 0:36:44.759
<v Speaker 4>So you just have to do your research. You also, too,

0:36:44.840 --> 0:36:48.200
<v Speaker 4>you want to make sure that you know if you're

0:36:48.280 --> 0:36:50.120
<v Speaker 4>gone what you want to have paid off and what

0:36:50.160 --> 0:36:52.000
<v Speaker 4>you want to do with that money, because then you

0:36:52.040 --> 0:36:54.880
<v Speaker 4>can say, I need this amount of money that I

0:36:54.920 --> 0:36:57.640
<v Speaker 4>want to leave to cover me if I'm not here.

0:36:57.880 --> 0:37:00.640
<v Speaker 2>I'm so grateful for my mom because she is like

0:37:00.680 --> 0:37:03.400
<v Speaker 2>one of them people. She got like a Manila folder

0:37:04.000 --> 0:37:08.759
<v Speaker 2>with her policies, where the money at how she wanted,

0:37:08.840 --> 0:37:11.000
<v Speaker 2>like she already got her plots, all that stuff. One

0:37:11.040 --> 0:37:14.280
<v Speaker 2>of my best friends just lost her mom and her

0:37:14.360 --> 0:37:17.440
<v Speaker 2>sister are having to cover the cost of her mom's funeral,

0:37:17.960 --> 0:37:20.200
<v Speaker 2>which you know and debth and death. I don't want

0:37:20.239 --> 0:37:21.480
<v Speaker 2>to be a burden to anybody.

0:37:21.800 --> 0:37:25.239
<v Speaker 5>Nobody wants that burden. But again a lot of people

0:37:25.280 --> 0:37:26.879
<v Speaker 5>in our community are faced with that. And you see

0:37:26.920 --> 0:37:30.800
<v Speaker 5>gofundmes and these different fundraisers, the church plates on the

0:37:30.840 --> 0:37:34.080
<v Speaker 5>corner because Bobby just died, And again it just goes

0:37:34.120 --> 0:37:36.239
<v Speaker 5>back to that we just don't spend our money in

0:37:36.280 --> 0:37:36.920
<v Speaker 5>the right way.

0:37:37.520 --> 0:37:37.719
<v Speaker 4>You know.

0:37:38.680 --> 0:37:41.000
<v Speaker 5>We'll go to the bar by one hundred dollars worth

0:37:41.000 --> 0:37:43.600
<v Speaker 5>of drinks and still ain't got no life insurance, you know,

0:37:43.880 --> 0:37:45.239
<v Speaker 5>or health insurance for that matter.

0:37:45.400 --> 0:37:47.360
<v Speaker 1>What is death insurance, because that's.

0:37:47.200 --> 0:37:52.960
<v Speaker 5>The thing too, right, it's burial funeral, burial insurance which

0:37:52.960 --> 0:37:57.279
<v Speaker 5>is still another form of life insurance, but it's just

0:37:57.320 --> 0:37:59.680
<v Speaker 5>only goes up to a certain amount, like fifty thousand,

0:38:00.600 --> 0:38:04.120
<v Speaker 5>and as you age, that's the things that become only

0:38:04.160 --> 0:38:05.960
<v Speaker 5>available for people if they didn't get it when they

0:38:06.000 --> 0:38:07.799
<v Speaker 5>were young. They will only be able to get over

0:38:08.000 --> 0:38:10.120
<v Speaker 5>a certain amount, maybe forty thousand and fifty thousand at

0:38:10.120 --> 0:38:13.000
<v Speaker 5>the max. You know, I talked about I wanted to

0:38:13.200 --> 0:38:14.800
<v Speaker 5>It's not really a company because I don't even know

0:38:14.800 --> 0:38:18.640
<v Speaker 5>if it's legal or not, but door to door in

0:38:18.719 --> 0:38:21.920
<v Speaker 5>the hood, like hey, like, can I put life insurance

0:38:21.960 --> 0:38:24.440
<v Speaker 5>on your son? I'll pay the premium and bust it

0:38:24.480 --> 0:38:25.239
<v Speaker 5>down the middle when.

0:38:25.160 --> 0:38:28.239
<v Speaker 2>He dies, you know what I'm saying. Like, you know,

0:38:32.000 --> 0:38:33.600
<v Speaker 2>but I think the problem would come in because it's

0:38:33.640 --> 0:38:37.279
<v Speaker 2>coming in families, right. One person's paying a policy and

0:38:37.320 --> 0:38:39.560
<v Speaker 2>everybody wanting what the money at when this person died?

0:38:39.560 --> 0:38:41.200
<v Speaker 4>Did you help pay that policy at all?

0:38:41.600 --> 0:38:43.120
<v Speaker 2>Why are you concerned about what they're doing with the

0:38:43.120 --> 0:38:44.560
<v Speaker 2>money if you didn't help pay the policy?

0:38:45.760 --> 0:38:46.280
<v Speaker 4>Correct?

0:38:46.360 --> 0:38:52.120
<v Speaker 5>But you know, I think that when people die, you're

0:38:53.040 --> 0:38:56.040
<v Speaker 5>I think it's just a poor feeling that people have

0:38:56.120 --> 0:38:59.120
<v Speaker 5>in general that you should get something.

0:38:59.160 --> 0:39:00.560
<v Speaker 4>Now this person's not here.

0:39:00.840 --> 0:39:03.200
<v Speaker 2>Right, so I want to assure that the niggas in

0:39:03.239 --> 0:39:07.120
<v Speaker 2>the hood kids are being taken care of and somebody's

0:39:07.200 --> 0:39:09.959
<v Speaker 2>benefiting from your death. You're dying at thirty years old

0:39:09.920 --> 0:39:11.600
<v Speaker 2>and no life insurance, but you got all these kids

0:39:11.640 --> 0:39:14.920
<v Speaker 2>out here, and then somebody has to do GoFundMe or whatever.

0:39:15.000 --> 0:39:16.960
<v Speaker 2>But what if there was someone? I feel like white

0:39:16.960 --> 0:39:18.840
<v Speaker 2>people do that all the time. Remember those two old ladies.

0:39:18.920 --> 0:39:22.640
<v Speaker 2>So let me killing homeless men. Let me tell you why.

0:39:22.640 --> 0:39:24.040
<v Speaker 1>I remember, I don't want to kill him.

0:39:24.120 --> 0:39:25.759
<v Speaker 2>I mean, pook, you gonna do well?

0:39:26.000 --> 0:39:28.239
<v Speaker 5>I think it was something on Netflix about that. But

0:39:28.360 --> 0:39:30.399
<v Speaker 5>let me tell you why that's illegal. Because it's about

0:39:30.440 --> 0:39:32.799
<v Speaker 5>insurable interests, right, So like.

0:39:32.840 --> 0:39:34.440
<v Speaker 4>I don't know these niggas.

0:39:34.719 --> 0:39:37.399
<v Speaker 2>Yeah, if you don't know these niggas, then they were

0:39:37.440 --> 0:39:40.880
<v Speaker 2>like you don't know these niggas, Like I seen you.

0:39:42.040 --> 0:39:44.080
<v Speaker 5>I paid into the pos matter. It's all about an

0:39:44.080 --> 0:39:47.040
<v Speaker 5>insurable interest, right. So let me give you examples of

0:39:47.120 --> 0:39:49.680
<v Speaker 5>people that you have in shurable interests on. You would

0:39:49.719 --> 0:39:53.040
<v Speaker 5>have insurable interest on your mom. You're her daughter, right,

0:39:53.440 --> 0:39:56.359
<v Speaker 5>you and Tammy actually having shurable interests on each other

0:39:56.400 --> 0:39:57.800
<v Speaker 5>because you guys have a business together.

0:39:58.440 --> 0:39:58.680
<v Speaker 2>Right.

0:40:00.239 --> 0:40:02.200
<v Speaker 4>Let me tell you who you don't have insurable interests

0:40:02.200 --> 0:40:05.560
<v Speaker 4>over nobody else in here, right, nobody else in here.

0:40:05.640 --> 0:40:07.839
<v Speaker 2>It's my friend. He signed it. He let me sign

0:40:07.840 --> 0:40:13.440
<v Speaker 2>it up. Like why not. Watch he can do the policy.

0:40:13.880 --> 0:40:16.440
<v Speaker 5>He can do the policy and leave you as a beneficiary.

0:40:16.480 --> 0:40:19.160
<v Speaker 5>But you cannot sign him up for a policy.

0:40:19.640 --> 0:40:20.280
<v Speaker 4>It's illegal.

0:40:20.360 --> 0:40:24.200
<v Speaker 2>It's about what about with him knowing I can do it? Right? No, No,

0:40:24.560 --> 0:40:26.239
<v Speaker 2>it's all about in.

0:40:26.480 --> 0:40:29.279
<v Speaker 1>So what about like these record labels, Like there's all

0:40:29.280 --> 0:40:31.399
<v Speaker 1>these stories about record labels, like.

0:40:31.320 --> 0:40:35.200
<v Speaker 5>That's the Gucci Man story, right, Yeah, and they said

0:40:35.200 --> 0:40:37.280
<v Speaker 5>there was a life policy somewhere of a certain amount.

0:40:37.480 --> 0:40:40.000
<v Speaker 4>Everybody was mad. The reason why he could do that,

0:40:41.440 --> 0:40:44.000
<v Speaker 4>or even young Dolf, right, But the reason why Gucci

0:40:44.000 --> 0:40:45.640
<v Speaker 4>Man could do that because again it goes back to

0:40:45.680 --> 0:40:49.120
<v Speaker 4>the conversation, we're just having it's insurable interest. Now I

0:40:49.239 --> 0:40:52.239
<v Speaker 4>have this artist is underneath me. I have invested in

0:40:52.239 --> 0:40:54.719
<v Speaker 4>this person. This person is now my business.

0:40:55.080 --> 0:40:57.680
<v Speaker 5>So if all the money I invest in this person,

0:40:57.760 --> 0:41:00.920
<v Speaker 5>this person shall pass away before I cool my advances.

0:41:01.680 --> 0:41:05.879
<v Speaker 1>Then But wouldn't it be like a scheme to, you know,

0:41:06.320 --> 0:41:09.439
<v Speaker 1>get these rappers who have like a like a dark

0:41:09.560 --> 0:41:14.640
<v Speaker 1>sound and get insurance policy on them, put their music

0:41:14.680 --> 0:41:17.120
<v Speaker 1>out for a year and then get them killed so

0:41:17.160 --> 0:41:19.360
<v Speaker 1>you can get insurance for the money.

0:41:19.560 --> 0:41:21.719
<v Speaker 5>I mean, it could be, but you know I wasn't.

0:41:21.760 --> 0:41:24.080
<v Speaker 5>I'm not thinking that far. But you know, if we're

0:41:24.080 --> 0:41:26.040
<v Speaker 5>gonna be honest, you know who are.

0:41:25.960 --> 0:41:27.839
<v Speaker 1>Who are thinking who's it is? But you know who

0:41:28.000 --> 0:41:28.719
<v Speaker 1>is thinking that far?

0:41:29.160 --> 0:41:32.839
<v Speaker 2>These motherfuckers right here, they way more cerebral than us.

0:41:32.840 --> 0:41:35.680
<v Speaker 2>So anything they do they really using their mind. Okay,

0:41:38.000 --> 0:41:40.640
<v Speaker 2>when Alia died, they said her uncle like had some

0:41:40.840 --> 0:41:43.320
<v Speaker 2>crazy ass policy on her when she's out of that

0:41:43.360 --> 0:41:44.680
<v Speaker 2>plane because she's a business.

0:41:44.680 --> 0:41:49.800
<v Speaker 5>Because again, but again again, these artists are become a business,

0:41:50.480 --> 0:41:52.960
<v Speaker 5>right and so that's how Gucci man, I think that

0:41:53.160 --> 0:41:54.719
<v Speaker 5>I don't know the boy named that just die can't

0:41:54.760 --> 0:41:58.640
<v Speaker 5>remember he was able to do that because this person

0:41:58.719 --> 0:42:00.239
<v Speaker 5>is now a business.

0:42:00.040 --> 0:42:00.560
<v Speaker 4>It's for him.

0:42:00.600 --> 0:42:06.880
<v Speaker 2>But that they may not know absolutely yes, So okay,

0:42:06.920 --> 0:42:08.719
<v Speaker 2>so if it's ensurable interest, and you can write it

0:42:08.760 --> 0:42:13.520
<v Speaker 2>into a contract without the person knowing, they.

0:42:13.400 --> 0:42:15.160
<v Speaker 5>Have to have lawyers to vet these things. And if

0:42:15.160 --> 0:42:18.360
<v Speaker 5>you're signing something without vetting it. And again it makes

0:42:18.360 --> 0:42:21.560
<v Speaker 5>sense if I just invested one hundred thousand dollars in

0:42:21.600 --> 0:42:24.600
<v Speaker 5>you and you die, and you die, I'm going with

0:42:24.760 --> 0:42:27.560
<v Speaker 5>wherever that debt comes from, Like, I'm still responsible for it,

0:42:27.640 --> 0:42:30.920
<v Speaker 5>so yes, I should have something that protects me in

0:42:30.960 --> 0:42:32.920
<v Speaker 5>the in that event, it makes sense.

0:42:33.080 --> 0:42:35.359
<v Speaker 2>Yeah, absolutely it does. It does.

0:42:35.680 --> 0:42:37.480
<v Speaker 1>But it's just crazy. You can see how I could

0:42:37.480 --> 0:42:38.440
<v Speaker 1>be a scam though.

0:42:38.320 --> 0:42:41.759
<v Speaker 2>One exactly in one Regulabel in particular, which people say

0:42:41.840 --> 0:42:44.040
<v Speaker 2>is not a regulator. It's just they have partnerships with

0:42:44.080 --> 0:42:48.600
<v Speaker 2>these people. But Empire Records is one of those places

0:42:48.600 --> 0:42:51.799
<v Speaker 2>where there's been so many different artists that have passed away.

0:42:51.880 --> 0:42:53.560
<v Speaker 2>Who's on Empire Records.

0:42:53.560 --> 0:42:54.000
<v Speaker 4>I don't know.

0:42:54.160 --> 0:43:00.239
<v Speaker 2>Dolph is on there. Yeah, a few of them that

0:43:00.320 --> 0:43:01.120
<v Speaker 2>have passed away.

0:43:01.120 --> 0:43:02.480
<v Speaker 1>We're all on.

0:43:02.640 --> 0:43:06.000
<v Speaker 2>So it's supposedly supposedly a distribution company, but they also

0:43:06.800 --> 0:43:10.319
<v Speaker 2>have record deals with people. Right, So I'm giving you

0:43:10.400 --> 0:43:14.959
<v Speaker 2>upfront money, right, and something happens to you, my life

0:43:14.960 --> 0:43:17.239
<v Speaker 2>insurance policy on you is bigger than the money I

0:43:17.280 --> 0:43:19.879
<v Speaker 2>gave you. Why not get you to because you gotta

0:43:19.920 --> 0:43:24.320
<v Speaker 2>think like they also, yes, I gave you this amount,

0:43:24.320 --> 0:43:26.640
<v Speaker 2>but I have to make a certain amount back, right,

0:43:26.719 --> 0:43:27.200
<v Speaker 2>So they.

0:43:27.120 --> 0:43:29.560
<v Speaker 5>Didn't just give these people money. They always gave them

0:43:29.640 --> 0:43:31.600
<v Speaker 5>money with the intent of making a certain amount. So

0:43:31.640 --> 0:43:33.920
<v Speaker 5>I'm sure those policies.

0:43:33.480 --> 0:43:38.000
<v Speaker 4>Match whatever they said they were supposed to make back

0:43:38.120 --> 0:43:41.759
<v Speaker 4>or expected to make back if things went well. So

0:43:42.080 --> 0:43:43.440
<v Speaker 4>it makes again, it makes sense.

0:43:43.880 --> 0:43:46.200
<v Speaker 1>But I could have I spent one hundred thousand, but

0:43:46.280 --> 0:43:48.680
<v Speaker 1>I expect to make a million with ain't.

0:43:48.680 --> 0:43:51.080
<v Speaker 2>Howgo and you didn't make me a million, so let

0:43:51.120 --> 0:43:51.640
<v Speaker 2>me go ahead.

0:43:51.640 --> 0:43:55.160
<v Speaker 5>And here, I mean, you know, I hate to say

0:43:55.200 --> 0:43:58.040
<v Speaker 5>it like that, but sorry that somebody passed away.

0:43:58.120 --> 0:44:00.560
<v Speaker 4>But there's still expectations on other side of that.

0:44:00.680 --> 0:44:09.320
<v Speaker 1>So fortunately, yeah, can we get into health insurance?

0:44:09.400 --> 0:44:09.600
<v Speaker 4>Yes?

0:44:09.600 --> 0:44:11.640
<v Speaker 2>Please go on, because I paid seven dollars a month,

0:44:12.080 --> 0:44:13.719
<v Speaker 2>and don't be hating. I want to talk.

0:44:13.800 --> 0:44:19.399
<v Speaker 1>I want to Obamacare. Yeah, so weaven Obamacare. So there

0:44:19.400 --> 0:44:21.919
<v Speaker 1>were a lot of people like upset when Obamacare came

0:44:21.960 --> 0:44:24.680
<v Speaker 1>out and they felt like it was like a problem

0:44:24.719 --> 0:44:28.200
<v Speaker 1>for our American economy for that to happen. What are

0:44:28.239 --> 0:44:30.800
<v Speaker 1>your thoughts on Affordable Health Care Act?

0:44:31.040 --> 0:44:34.960
<v Speaker 5>I think it's a great thing because if you guys

0:44:35.000 --> 0:44:38.640
<v Speaker 5>remember some of you guys remember over a little bit

0:44:38.640 --> 0:44:41.680
<v Speaker 5>over ten years ago, if you had presistant conditions, you

0:44:41.680 --> 0:44:44.520
<v Speaker 5>didn't qualify for health insurance, right, so all these people

0:44:44.560 --> 0:44:47.880
<v Speaker 5>with chronic illnesses like MS, you know, for example, or

0:44:47.920 --> 0:44:51.200
<v Speaker 5>loopis God forbid, you got diagnosed with cancer, you were

0:44:51.239 --> 0:44:54.840
<v Speaker 5>now unensurable for health care. That's the biggest deal about

0:44:55.200 --> 0:44:59.319
<v Speaker 5>the Affordable Care Act. It gave the opportunity for individuals

0:44:59.320 --> 0:45:01.839
<v Speaker 5>to have insurance that actually needed the care.

0:45:02.080 --> 0:45:03.560
<v Speaker 4>M Yeah. You know.

0:45:04.280 --> 0:45:07.000
<v Speaker 5>Unfortunately, my mom she passed away before there was anything

0:45:07.080 --> 0:45:08.640
<v Speaker 5>like that, and she had a heart condition. She did

0:45:08.680 --> 0:45:12.040
<v Speaker 5>not qualify for health insurance, so everything was out of pocket.

0:45:13.680 --> 0:45:16.600
<v Speaker 5>So being in that type of situation and seeing s

0:45:16.880 --> 0:45:21.680
<v Speaker 5>f firsthand somebody who could have benefited from that because

0:45:21.680 --> 0:45:23.279
<v Speaker 5>she couldn't even afford the prescriptions there were like a

0:45:23.360 --> 0:45:24.440
<v Speaker 5>hundred dollars a month.

0:45:24.760 --> 0:45:28.800
<v Speaker 2>You know, or more with four kids. Four kids, Yeah,

0:45:28.920 --> 0:45:32.560
<v Speaker 2>that's unfortunate. Yeah, I I mean, I agree that most countries,

0:45:32.840 --> 0:45:35.320
<v Speaker 2>you know, people act like America's just such this great place.

0:45:36.600 --> 0:45:38.680
<v Speaker 2>You know, in other countries, you got eighteen year olds

0:45:38.680 --> 0:45:40.719
<v Speaker 2>at ride Rod and Lambow's. That's just regular day to

0:45:40.760 --> 0:45:43.680
<v Speaker 2>day business for them. America is not that fucking great.

0:45:43.680 --> 0:45:45.920
<v Speaker 2>We do not have universal health care. Oh, we do

0:45:46.000 --> 0:45:49.000
<v Speaker 2>have Obama Care now or what is the it's called

0:45:49.000 --> 0:45:51.440
<v Speaker 2>the Affordable Care Affordable Care Act. So the only thing

0:45:51.480 --> 0:45:53.520
<v Speaker 2>I didn't like about the Affordable Care Act is where

0:45:53.960 --> 0:45:57.680
<v Speaker 2>you were penalized for uh, for not having insurance in

0:45:57.719 --> 0:45:59.240
<v Speaker 2>your taxes like you had to file.

0:45:59.719 --> 0:46:01.920
<v Speaker 5>Because it was forcing people to do something for themselves

0:46:02.000 --> 0:46:07.440
<v Speaker 5>because and the reason why is preventive health. Some of

0:46:07.480 --> 0:46:11.879
<v Speaker 5>those plans were not affordable. Now it's not affordable, right,

0:46:11.960 --> 0:46:15.920
<v Speaker 5>but go ahead and thank your former president for that.

0:46:16.000 --> 0:46:17.600
<v Speaker 4>He broke a tax law.

0:46:18.080 --> 0:46:21.880
<v Speaker 5>And so the insurance companies because they're having a higher

0:46:21.960 --> 0:46:24.239
<v Speaker 5>risk rate and they have to up the money where

0:46:24.280 --> 0:46:26.560
<v Speaker 5>they're getting it from because now they have to ensure

0:46:26.600 --> 0:46:29.640
<v Speaker 5>these people. Before they would just deny them no cancer

0:46:29.719 --> 0:46:32.720
<v Speaker 5>treatment for you, right, So they still have to recoup

0:46:32.760 --> 0:46:34.440
<v Speaker 5>the money for spending on all these people that have

0:46:34.440 --> 0:46:35.320
<v Speaker 5>different conditions.

0:46:35.520 --> 0:46:37.920
<v Speaker 4>You know a lot of our people have diabetes, right.

0:46:38.320 --> 0:46:41.919
<v Speaker 5>That's a very expensive disease, and they have to cover

0:46:41.960 --> 0:46:44.000
<v Speaker 5>these people when they did not have to do that. So,

0:46:44.600 --> 0:46:48.160
<v Speaker 5>I mean it makes sense. But you know, even though

0:46:48.280 --> 0:46:51.239
<v Speaker 5>given an example of my father, right he was under

0:46:51.239 --> 0:46:56.000
<v Speaker 5>the ACA, his job didn't have insurance and anyway he

0:46:56.040 --> 0:47:00.480
<v Speaker 5>went into the hospital for or whatever, his AD was

0:47:00.480 --> 0:47:02.640
<v Speaker 5>twenty five hundred. He hit the deductible, but the bill

0:47:02.680 --> 0:47:05.080
<v Speaker 5>was almost forty thousand. The only thing he was required

0:47:05.080 --> 0:47:07.759
<v Speaker 5>to pay was the twenty five hundred deductible, it has

0:47:07.800 --> 0:47:10.279
<v Speaker 5>a benefit, and everything after that was paid for one

0:47:10.360 --> 0:47:14.280
<v Speaker 5>hundred percent underneath the Affordable Care Act. So absolutely it's great,

0:47:14.680 --> 0:47:17.520
<v Speaker 5>right because the number one debt that most of us

0:47:17.600 --> 0:47:20.799
<v Speaker 5>carry is a medical debt. It's not from credit cards,

0:47:20.800 --> 0:47:22.600
<v Speaker 5>it's not from car notes, it's not from homes the

0:47:22.680 --> 0:47:25.920
<v Speaker 5>student loans. It's actually medical debt. So this is helping

0:47:25.960 --> 0:47:28.160
<v Speaker 5>people not get into medical debt.

0:47:28.400 --> 0:47:30.800
<v Speaker 2>I feel like as a whole, it's medical tyranty anyway.

0:47:30.840 --> 0:47:34.719
<v Speaker 2>It's just like the doctor's office. The hospitals are overcharging

0:47:35.160 --> 0:47:38.160
<v Speaker 2>insurance companies, so that's driving rates up and stuff like that,

0:47:38.200 --> 0:47:41.920
<v Speaker 2>like the amount you pay for health care in America.

0:47:42.000 --> 0:47:44.240
<v Speaker 2>Just like a simple procedure, you can go to another

0:47:44.280 --> 0:47:46.279
<v Speaker 2>country and get the same procedure at half the price.

0:47:46.360 --> 0:47:47.520
<v Speaker 2>What will it be quality of care?

0:47:48.000 --> 0:47:51.480
<v Speaker 1>Yeah, And I'll speak to that because when I was

0:47:51.520 --> 0:47:54.320
<v Speaker 1>living in England's when I got diagnosed with my MS

0:47:54.360 --> 0:47:56.600
<v Speaker 1>and I was in the hospital there for two weeks

0:47:56.840 --> 0:48:00.719
<v Speaker 1>and it's free, but baby, that shit feel every bit

0:48:00.760 --> 0:48:03.759
<v Speaker 1>of free. I was ready to come home and just

0:48:03.840 --> 0:48:05.800
<v Speaker 1>take my chances there because they was feeding me the

0:48:05.920 --> 0:48:08.120
<v Speaker 1>rice Chrispy trees. Here here, in the morning. But no, right,

0:48:08.200 --> 0:48:09.080
<v Speaker 1>it wasn't the treats.

0:48:09.360 --> 0:48:13.399
<v Speaker 2>It was just a little bitch. I was like, give

0:48:13.440 --> 0:48:14.040
<v Speaker 2>me the fuck out.

0:48:15.400 --> 0:48:18.040
<v Speaker 1>It's just like the dry little rice pieces with like

0:48:18.080 --> 0:48:21.440
<v Speaker 1>some water milk. I was like, is this breakfast? Is

0:48:21.480 --> 0:48:23.759
<v Speaker 1>there no eggs and bacon in this motherfucker like it?

0:48:23.800 --> 0:48:28.520
<v Speaker 1>And then it was like literally six of us, six

0:48:28.560 --> 0:48:31.160
<v Speaker 1>beds lined up on one side and six beds lined

0:48:31.200 --> 0:48:33.040
<v Speaker 1>up on the other side, and we're all in the

0:48:33.080 --> 0:48:40.520
<v Speaker 1>same room. And there was there was a woman across

0:48:40.520 --> 0:48:42.960
<v Speaker 1>from me. It was an all white lady, and she

0:48:43.040 --> 0:48:45.960
<v Speaker 1>said her name was Miss Showing and I was miss Bowing.

0:48:46.080 --> 0:48:47.960
<v Speaker 1>So every now when they were coming in and hollering

0:48:48.000 --> 0:48:50.640
<v Speaker 1>at people, she would be screaming for my medication and

0:48:50.640 --> 0:48:54.000
<v Speaker 1>I'd be like, that's my mad stop. She's like, I'm

0:48:54.040 --> 0:48:59.480
<v Speaker 1>the white one. But and then people would be in

0:48:59.520 --> 0:49:02.560
<v Speaker 1>there moaning night. It was just a miserable experience. And

0:49:02.640 --> 0:49:05.319
<v Speaker 1>I think it's because it's free, So it is we

0:49:05.360 --> 0:49:06.840
<v Speaker 1>got to find a balance, you know.

0:49:07.719 --> 0:49:10.879
<v Speaker 5>I think, you know, from a professional lens, I think

0:49:10.920 --> 0:49:13.479
<v Speaker 5>there is a balance. I think people just make poor

0:49:13.560 --> 0:49:17.200
<v Speaker 5>choices with the health insurance that they choose, right, So

0:49:17.320 --> 0:49:22.359
<v Speaker 5>like it's confusing, right, it's meant to be sometimes. No,

0:49:22.480 --> 0:49:26.080
<v Speaker 5>think about what you need, right, think about where you

0:49:26.120 --> 0:49:30.480
<v Speaker 5>are with your health with if something happened to you,

0:49:30.520 --> 0:49:33.279
<v Speaker 5>what you were comfortable paying for, like really think about

0:49:33.320 --> 0:49:35.200
<v Speaker 5>it before you go. Just sign up for a plan

0:49:35.239 --> 0:49:37.400
<v Speaker 5>because it's seven dollars, because.

0:49:38.960 --> 0:49:44.120
<v Speaker 2>You know, I know that's typically the bottom level bronze plan.

0:49:44.239 --> 0:49:46.919
<v Speaker 2>It got a ten thousand dollars deductible. Can you really

0:49:46.960 --> 0:49:49.560
<v Speaker 2>afford log? And can you really afford to pay that

0:49:49.640 --> 0:49:52.040
<v Speaker 2>if something happens? No? And ten thousand dollars.

0:49:51.880 --> 0:49:52.520
<v Speaker 1>A long way.

0:49:52.920 --> 0:49:54.279
<v Speaker 2>If it's like what if?

0:49:54.440 --> 0:49:57.719
<v Speaker 4>Yeah, right, listen, you pay for the car insurance each

0:49:57.880 --> 0:49:59.600
<v Speaker 4>month for years on a what if?

0:49:59.640 --> 0:50:02.680
<v Speaker 2>You don't question it? It's the same thing, can you not?

0:50:03.239 --> 0:50:03.600
<v Speaker 4>Okay?

0:50:03.760 --> 0:50:05.040
<v Speaker 2>Just like anything else, any other debt.

0:50:05.080 --> 0:50:05.440
<v Speaker 4>I feel like.

0:50:05.440 --> 0:50:08.120
<v Speaker 2>Everything in life is negotiable, right, So yes, I go

0:50:08.239 --> 0:50:10.440
<v Speaker 2>to the doctor, I get this crazy ass bill. I

0:50:10.480 --> 0:50:13.280
<v Speaker 2>can't call and negotiate this debt with the insurance company,

0:50:13.280 --> 0:50:15.520
<v Speaker 2>I mean not insurance company, but with the hospital because

0:50:15.560 --> 0:50:18.879
<v Speaker 2>I know they literally I know I have some MD friends, right,

0:50:18.920 --> 0:50:21.759
<v Speaker 2>and they tell me they overcharge and then they negotiated

0:50:21.800 --> 0:50:24.759
<v Speaker 2>with the insurance company. They do, but then that has

0:50:24.760 --> 0:50:27.160
<v Speaker 2>paid out of pocket, but that's on you. Like so

0:50:27.360 --> 0:50:30.560
<v Speaker 2>for example I did that before, you know where my

0:50:30.640 --> 0:50:33.879
<v Speaker 2>insurance was not worth me filing it because I would

0:50:33.880 --> 0:50:36.439
<v Speaker 2>pay more money, Like I could pay fifty dollars every

0:50:36.440 --> 0:50:39.120
<v Speaker 2>time I can't win, or I could pay a battery

0:50:39.160 --> 0:50:42.360
<v Speaker 2>of test and it cost me seven hundred underneath my insurance.

0:50:42.400 --> 0:50:45.400
<v Speaker 2>Sometimes you just got to ask more questions, right, you know,

0:50:46.360 --> 0:50:50.239
<v Speaker 2>it's not always beneficial to foul certain things underneath your

0:50:50.280 --> 0:50:51.520
<v Speaker 2>health insurance.

0:50:51.080 --> 0:50:53.319
<v Speaker 4>If you have the cash to pay for it.

0:50:54.160 --> 0:50:54.440
<v Speaker 2>Right.

0:50:55.080 --> 0:50:57.920
<v Speaker 5>But you also, again going back to what I'm saying,

0:50:58.600 --> 0:51:01.840
<v Speaker 5>instead of taking a cheap route, get you a quality

0:51:01.880 --> 0:51:04.480
<v Speaker 5>plan that may cost you a little bit more money.

0:51:04.520 --> 0:51:07.120
<v Speaker 5>And you know, yes, you might have a thousand dollars

0:51:07.160 --> 0:51:10.640
<v Speaker 5>two thousand dollars deductible, but that'll go quick. You don't

0:51:10.640 --> 0:51:12.600
<v Speaker 5>want to be in a money pit of something that

0:51:12.840 --> 0:51:15.960
<v Speaker 5>a ten thousand dollars deductible. God forbid, that's surgeries, that's

0:51:16.040 --> 0:51:19.400
<v Speaker 5>days in the hospital. You know, that's prescriptions and you

0:51:19.440 --> 0:51:21.160
<v Speaker 5>still might not hit it, and you gotta start over

0:51:21.200 --> 0:51:23.680
<v Speaker 5>each year on that. It's just not worth it. So

0:51:23.760 --> 0:51:30.360
<v Speaker 5>you should always think about that, weighing the benefits are

0:51:30.400 --> 0:51:32.680
<v Speaker 5>paying a little bit more, but paying a little bit

0:51:32.719 --> 0:51:33.520
<v Speaker 5>less on the back end.

0:51:33.560 --> 0:51:34.960
<v Speaker 4>And I think that's where people mess up.

0:51:35.480 --> 0:51:37.400
<v Speaker 1>What is supplemental insurance.

0:51:37.960 --> 0:51:41.200
<v Speaker 5>Supplemental insurance is everything else is what I call it.

0:51:41.200 --> 0:51:45.040
<v Speaker 5>It's all your living benefits, right, so it's things.

0:51:44.760 --> 0:51:46.200
<v Speaker 4>That pay you while you're here.

0:51:46.719 --> 0:51:49.840
<v Speaker 5>So it's more of like, you know, God forbid you

0:51:49.840 --> 0:51:52.640
<v Speaker 5>got diagnosed with a major condition, say for example, you

0:51:52.640 --> 0:51:55.960
<v Speaker 5>had a heart attack. You know, it might pay twenty

0:51:56.000 --> 0:51:58.600
<v Speaker 5>thousand dollars thirty thousand dollars to you directly. And most

0:51:58.600 --> 0:52:01.279
<v Speaker 5>of these people they're eventually gonna go back to work, right,

0:52:01.360 --> 0:52:06.120
<v Speaker 5>but it helps cover medical expenses, it can go towards mortgages, rents,

0:52:06.160 --> 0:52:08.200
<v Speaker 5>your daily expenses until you're.

0:52:08.040 --> 0:52:08.919
<v Speaker 4>Able to go back.

0:52:09.680 --> 0:52:12.600
<v Speaker 5>A lot of people that you know, have things happen,

0:52:12.800 --> 0:52:16.719
<v Speaker 5>do not have the appropriate savings to cover themselves.

0:52:16.920 --> 0:52:20.919
<v Speaker 1>So the FLAC insurance policy that got me to get

0:52:21.920 --> 0:52:22.120
<v Speaker 1>it is.

0:52:22.120 --> 0:52:23.520
<v Speaker 4>A form of supplemental insurances.

0:52:23.520 --> 0:52:28.080
<v Speaker 5>They have different types, so they have, you know, accidental coverage,

0:52:28.080 --> 0:52:30.040
<v Speaker 5>which will cover somebody if they're injured on or off

0:52:30.040 --> 0:52:33.719
<v Speaker 5>the job. Typically those covers, those coverages also have an

0:52:33.760 --> 0:52:36.120
<v Speaker 5>accidental death benefit in it as well, so if someone

0:52:36.160 --> 0:52:39.080
<v Speaker 5>died from an injury that money isn't built into that

0:52:39.120 --> 0:52:42.520
<v Speaker 5>type of policy. You know, they got cancer coverages, so

0:52:42.600 --> 0:52:45.640
<v Speaker 5>god forbid someone got diagnosed with cancer. You can be

0:52:45.760 --> 0:52:50.000
<v Speaker 5>paid out for the treatments, for being diagnosed, everything like that.

0:52:50.120 --> 0:52:53.760
<v Speaker 1>So cancer coverage you would get that after you get cancer.

0:52:55.000 --> 0:52:57.120
<v Speaker 1>The condition conversations wearing to be like, hey, I'm gonna

0:52:57.120 --> 0:52:59.439
<v Speaker 1>get cancer coverage just in case. That's kind of where

0:52:59.520 --> 0:52:59.840
<v Speaker 1>Why is it?

0:53:00.000 --> 0:53:03.600
<v Speaker 2>Why does that even exist in America? I understand why. Okay,

0:53:03.800 --> 0:53:06.680
<v Speaker 2>so I understand why exists because obviously people get cancer, right,

0:53:07.200 --> 0:53:11.839
<v Speaker 2>but could you imagine them creating these cancers to then

0:53:11.920 --> 0:53:13.520
<v Speaker 2>have to get insurance for it.

0:53:13.520 --> 0:53:15.920
<v Speaker 4>It's just really weird. You don't have to, but if

0:53:15.960 --> 0:53:17.759
<v Speaker 4>you're smart, you would because.

0:53:17.640 --> 0:53:19.960
<v Speaker 1>You feel like all of us should just have coverage.

0:53:20.200 --> 0:53:22.759
<v Speaker 5>Absolutely, I have one. I don't have cancer history in

0:53:22.800 --> 0:53:25.239
<v Speaker 5>my family right, but being in the field that I am,

0:53:25.280 --> 0:53:29.000
<v Speaker 5>I'm telling you guys, it's simple. As I went to

0:53:29.000 --> 0:53:32.719
<v Speaker 5>a doctor to go get my regular mammoground, you're doing

0:53:32.719 --> 0:53:34.680
<v Speaker 5>something that you would have done every time they're like, ah,

0:53:34.719 --> 0:53:38.000
<v Speaker 5>wes see something here. You need to get into other testing.

0:53:39.560 --> 0:53:42.359
<v Speaker 5>You get diagnosed that quick, you're not thinking of it.

0:53:43.239 --> 0:53:45.920
<v Speaker 5>Somebody that had a heart attack. Didn't I think they

0:53:46.000 --> 0:53:47.160
<v Speaker 5>was going to have a heart attack in the day

0:53:47.160 --> 0:53:50.319
<v Speaker 5>that they had the heart attack. You know, you don't

0:53:50.360 --> 0:53:51.360
<v Speaker 5>know what's gonna happen.

0:53:51.480 --> 0:53:56.000
<v Speaker 2>That's manifested some bullshit. I don't want it or or

0:53:56.480 --> 0:53:58.560
<v Speaker 2>or it's being prevented here and yet and it's preparing

0:53:58.560 --> 0:54:00.240
<v Speaker 2>yourself for whatever it may come your way.

0:54:00.960 --> 0:54:05.640
<v Speaker 4>Again, we just don't know what it is vegan way,

0:54:06.600 --> 0:54:08.479
<v Speaker 4>You don't. You don't know where it.

0:54:08.440 --> 0:54:10.640
<v Speaker 2>Is because there's a food that's causing people to have.

0:54:10.880 --> 0:54:12.799
<v Speaker 4>But we can say that, but then you can think

0:54:12.800 --> 0:54:14.840
<v Speaker 4>about all the buildings that had the best deciding that

0:54:14.880 --> 0:54:15.520
<v Speaker 4>we were in.

0:54:15.600 --> 0:54:18.440
<v Speaker 2>The best those bestest.

0:54:18.840 --> 0:54:21.360
<v Speaker 5>I can't say, but that you know, I went to,

0:54:21.560 --> 0:54:26.080
<v Speaker 5>you know, the university I went to had you know, uh,

0:54:26.719 --> 0:54:27.320
<v Speaker 5>the classrooms.

0:54:27.360 --> 0:54:29.400
<v Speaker 2>The classrooms were the best in it.

0:54:30.040 --> 0:54:31.480
<v Speaker 4>And guess what they want to cut on the A C.

0:54:31.640 --> 0:54:33.880
<v Speaker 4>But we were still in those classrooms and you know

0:54:34.160 --> 0:54:39.160
<v Speaker 4>that's school probably, But I improve.

0:54:40.840 --> 0:54:42.680
<v Speaker 5>Class action is good and everything, but I got to

0:54:42.719 --> 0:54:44.759
<v Speaker 5>get through this cancer treatment hopefully to make it to

0:54:44.800 --> 0:54:48.360
<v Speaker 5>the class action suit. You know, like this life is

0:54:48.440 --> 0:54:52.080
<v Speaker 5>fucking stressful, it is, but you know, it's just being

0:54:52.120 --> 0:54:57.480
<v Speaker 5>preventive and to be quite honest. Like, the more I'm

0:54:57.520 --> 0:55:04.080
<v Speaker 5>in this business, younger people are getting diagnosed thirties, thirties, twenties, passing.

0:55:03.760 --> 0:55:06.320
<v Speaker 2>A wet year alone. I know so many people, and

0:55:06.360 --> 0:55:09.000
<v Speaker 2>I don't know. If I don't know, isn't normal? Could

0:55:09.040 --> 0:55:11.400
<v Speaker 2>because we are getting old, right, but I just feel

0:55:11.400 --> 0:55:15.359
<v Speaker 2>like dying in your forties. It's fucking weird. How many

0:55:15.400 --> 0:55:18.760
<v Speaker 2>people are dropping dead from strokes, heart attacks?

0:55:18.800 --> 0:55:20.960
<v Speaker 4>What they say, we live differently than our parents did,

0:55:21.000 --> 0:55:21.960
<v Speaker 4>so we actually.

0:55:21.640 --> 0:55:24.400
<v Speaker 1>Do more walk enough, We're probably under more stress.

0:55:24.920 --> 0:55:29.680
<v Speaker 4>We do more at risk behaviors as well, yep, than

0:55:29.719 --> 0:55:30.439
<v Speaker 4>our parents did.

0:55:30.920 --> 0:55:36.640
<v Speaker 2>Who thought that was smoking crack? Yeah, but they crack

0:55:36.719 --> 0:55:39.120
<v Speaker 2>really didn't kill people. Yeah, it's just I know a

0:55:39.120 --> 0:55:41.120
<v Speaker 2>lot of crack hands died. It just cancer, like they

0:55:41.160 --> 0:55:42.960
<v Speaker 2>just ended up with cancer or something later on. But

0:55:43.280 --> 0:55:44.520
<v Speaker 2>crack really didn't kill.

0:55:44.400 --> 0:55:47.320
<v Speaker 4>Him, No, it wasn't. But so yeah, we're at more risks,

0:55:47.440 --> 0:55:47.680
<v Speaker 4>you know.

0:55:47.760 --> 0:55:50.960
<v Speaker 2>So now, meth your ass ain't living past thirty dollars

0:55:51.040 --> 0:55:52.799
<v Speaker 2>whatever the age you start, you're gonna be dead in

0:55:52.800 --> 0:55:55.080
<v Speaker 2>a few years. And I don't even know what that calls,

0:55:55.200 --> 0:55:56.880
<v Speaker 2>but I don't want nothing. They started turning to a

0:55:57.000 --> 0:55:59.759
<v Speaker 2>zombie after six months there's a folk if you go

0:55:59.760 --> 0:56:02.520
<v Speaker 2>Google like before and after math. I remember I looked

0:56:02.520 --> 0:56:04.560
<v Speaker 2>at this lady. They had like some pictures like this

0:56:04.680 --> 0:56:10.120
<v Speaker 2>thing right here, like all her the progression m m,

0:56:10.200 --> 0:56:12.200
<v Speaker 2>this ship is fucking wild. Like six months, you just

0:56:12.239 --> 0:56:14.040
<v Speaker 2>start looking like somebody somebody different.

0:56:14.080 --> 0:56:16.080
<v Speaker 1>It's a sad thing. Well, they got a lot.

0:56:15.920 --> 0:56:17.120
<v Speaker 4>Of chemicals in it, like.

0:56:18.880 --> 0:56:21.560
<v Speaker 1>Po HMO.

0:56:22.400 --> 0:56:27.000
<v Speaker 5>Plans require you to stay in network, so everywhere that

0:56:27.080 --> 0:56:29.640
<v Speaker 5>you go it has to be referred. So typically your

0:56:29.640 --> 0:56:32.600
<v Speaker 5>referral comes from your primary care physician and then they'll

0:56:32.600 --> 0:56:34.879
<v Speaker 5>refer you if you need to go see whatever specialists

0:56:35.000 --> 0:56:36.440
<v Speaker 5>or testing.

0:56:37.520 --> 0:56:38.520
<v Speaker 4>It's referral based.

0:56:38.680 --> 0:56:42.759
<v Speaker 5>But typically that's a cheaper plan because you don't have

0:56:42.800 --> 0:56:45.080
<v Speaker 5>as much freedom just to go where you want to go,

0:56:45.280 --> 0:56:46.960
<v Speaker 5>but it's still a good plan.

0:56:47.480 --> 0:56:47.879
<v Speaker 1>And then.

0:56:49.880 --> 0:56:51.680
<v Speaker 4>It gives you freedom of choice if you want to

0:56:51.719 --> 0:56:54.720
<v Speaker 4>go in yes, typically.

0:56:56.280 --> 0:56:59.640
<v Speaker 5>Lets you go in network, our network on your own whim.

0:57:00.239 --> 0:57:02.319
<v Speaker 5>But typically when you go out a network, still you're

0:57:02.320 --> 0:57:04.160
<v Speaker 5>gonna pay more money. But it just gives you freedom

0:57:04.200 --> 0:57:06.640
<v Speaker 5>of choice. So say there's a place that you want

0:57:06.640 --> 0:57:08.840
<v Speaker 5>to go that may not be in your state or whatever.

0:57:08.920 --> 0:57:10.359
<v Speaker 5>It just gives you freedom of choice for the care

0:57:10.440 --> 0:57:10.919
<v Speaker 5>that you want.

0:57:12.239 --> 0:57:17.480
<v Speaker 1>I feel like Loki sad right now. I don't know.

0:57:17.520 --> 0:57:20.840
<v Speaker 1>I guess it just I mean, it's important, but it

0:57:20.880 --> 0:57:23.200
<v Speaker 1>just makes you so aware of your own mortality. When

0:57:23.200 --> 0:57:24.080
<v Speaker 1>you think about.

0:57:23.800 --> 0:57:26.520
<v Speaker 5>These things, or if you think about it the right way,

0:57:26.680 --> 0:57:29.280
<v Speaker 5>it makes you want to be as preventive as possible.

0:57:29.880 --> 0:57:34.600
<v Speaker 5>You know, for me, I'm so comfortable with this conversation

0:57:34.720 --> 0:57:38.520
<v Speaker 5>because I know at this point that I have what

0:57:38.600 --> 0:57:40.640
<v Speaker 5>I need. If something happens to me, I'm not a

0:57:40.800 --> 0:57:44.240
<v Speaker 5>debt or burdens to anybody else, whether I'm here or

0:57:44.280 --> 0:57:44.680
<v Speaker 5>not here.

0:57:45.440 --> 0:57:46.800
<v Speaker 4>And that makes me feel good.

0:57:47.040 --> 0:57:48.840
<v Speaker 5>It makes me feel like I did something right, and

0:57:48.880 --> 0:57:52.720
<v Speaker 5>I did something that my parents didn't do right. And

0:57:52.800 --> 0:57:55.040
<v Speaker 5>you know, that's the enjoyable part about being in this field.

0:57:55.320 --> 0:57:58.120
<v Speaker 5>When someone walks away and says, you made me this

0:57:58.320 --> 0:58:02.240
<v Speaker 5>so easy. You know, I was just so scared of insurance.

0:58:03.160 --> 0:58:05.640
<v Speaker 5>I was so scared of this conversation, and you made

0:58:05.640 --> 0:58:07.520
<v Speaker 5>it so easy. That's the joyful part of it.

0:58:08.200 --> 0:58:10.680
<v Speaker 1>So with that being said, how can people like who's

0:58:10.760 --> 0:58:13.560
<v Speaker 1>listening like reach out to you, like they need a liaison,

0:58:13.640 --> 0:58:16.320
<v Speaker 1>they need someone to get information from. How can they

0:58:16.360 --> 0:58:18.360
<v Speaker 1>contact you so you can help them further?

0:58:18.600 --> 0:58:21.680
<v Speaker 5>Sure reach out to me on my IG shannee Rockett

0:58:21.920 --> 0:58:25.040
<v Speaker 5>s H A W N I E R O C

0:58:25.240 --> 0:58:28.959
<v Speaker 5>K E T DM me. I'm always open to answer

0:58:29.040 --> 0:58:32.120
<v Speaker 5>your questions if you have concerns. I'm also licensed in

0:58:32.120 --> 0:58:34.480
<v Speaker 5>thirty five states. I can help you just about wherever

0:58:34.520 --> 0:58:39.120
<v Speaker 5>you are, even if it's just simple questions. Right, help

0:58:39.200 --> 0:58:41.600
<v Speaker 5>you or your family navigate wherever you guys are trying

0:58:41.640 --> 0:58:44.600
<v Speaker 5>to go. The biggest takeaway I want you guys have

0:58:44.720 --> 0:58:45.640
<v Speaker 5>is just be prepared.

0:58:46.240 --> 0:58:46.439
<v Speaker 1>Right.

0:58:47.520 --> 0:58:50.400
<v Speaker 5>We spend money in all kinds of ways. We travel

0:58:50.440 --> 0:58:53.520
<v Speaker 5>as much as we want to, and take one hundred

0:58:53.520 --> 0:58:55.080
<v Speaker 5>dollars a month and just break it up and get

0:58:55.120 --> 0:58:58.480
<v Speaker 5>you a few extra policies sold on.

0:58:58.520 --> 0:59:00.040
<v Speaker 1>You can get a few policies with a.

0:59:00.880 --> 0:59:05.080
<v Speaker 5>Yeah, I got a cancer policy, an accident on policy,

0:59:05.360 --> 0:59:08.040
<v Speaker 5>a critical owns policy, and I'll pay about ninety eight

0:59:08.080 --> 0:59:08.720
<v Speaker 5>dollars a month.

0:59:09.000 --> 0:59:11.240
<v Speaker 1>Mm. See that's not yeah, that's affordable.

0:59:11.440 --> 0:59:12.560
<v Speaker 2>I'm well.

0:59:13.200 --> 0:59:15.000
<v Speaker 4>Insurance is insurance.

0:59:15.040 --> 0:59:17.320
<v Speaker 5>However, there are better companies than the other own pain

0:59:17.680 --> 0:59:21.080
<v Speaker 5>on their insurances. So like you always want to go

0:59:21.120 --> 0:59:24.320
<v Speaker 5>with something that's reputable. So I'm licensed with a flax.

0:59:24.360 --> 0:59:29.400
<v Speaker 5>So that's who I.

0:59:27.480 --> 0:59:29.760
<v Speaker 1>That's all she's gonna say. Because that's who pay her text,

0:59:29.760 --> 0:59:30.720
<v Speaker 1>so don't ask her a value.

0:59:30.840 --> 0:59:33.840
<v Speaker 5>Well, aflic that's a good one. But you know a

0:59:33.880 --> 0:59:35.840
<v Speaker 5>lot of people in Georgia have because the home office

0:59:35.920 --> 0:59:38.760
<v Speaker 5>is here. So it's very common in this state for

0:59:38.840 --> 0:59:41.240
<v Speaker 5>a flag, right, But there's other brands, like if you're

0:59:41.240 --> 0:59:43.760
<v Speaker 5>looking for life insurance, like met Life, they're very reputable.

0:59:44.000 --> 0:59:46.320
<v Speaker 5>You'll be surprised that State Farm is very competitive on

0:59:46.360 --> 0:59:49.000
<v Speaker 5>life insurance as well. That's who I got mine from, right,

0:59:49.360 --> 0:59:51.680
<v Speaker 5>So just do your research, right, and that's what I'm saying.

0:59:52.000 --> 0:59:54.400
<v Speaker 5>There also are exchanges.

0:59:53.880 --> 0:59:58.360
<v Speaker 4>Right where they'll be broker or brokers for multiple carriers.

0:59:59.040 --> 1:00:01.080
<v Speaker 2>Yeah, so you can kind of to shop around. It

1:00:01.120 --> 1:00:03.120
<v Speaker 2>look like they're all the same because even with the

1:00:03.120 --> 1:00:05.040
<v Speaker 2>help with the car insurance, like you go through one

1:00:05.040 --> 1:00:07.840
<v Speaker 2>company like I went through I had Geicode, but somehow

1:00:07.920 --> 1:00:11.240
<v Speaker 2>I was talking to Progressive. They're beause because you're like

1:00:11.280 --> 1:00:14.280
<v Speaker 2>a broker basically is a broker.

1:00:14.360 --> 1:00:16.640
<v Speaker 4>Yeah, you don't tell me so because I ain't know.

1:00:19.040 --> 1:00:19.760
<v Speaker 4>I didn't know that.

1:00:21.040 --> 1:00:23.439
<v Speaker 5>Yeah, Well, State Farm always runs on its own though

1:00:24.520 --> 1:00:26.040
<v Speaker 5>they they just work differently, but.

1:00:26.040 --> 1:00:28.640
<v Speaker 4>They actually got like life insurance and stuff like.

1:00:30.040 --> 1:00:33.880
<v Speaker 5>Competitive rates, good policies like I thought I was gonna

1:00:33.880 --> 1:00:35.479
<v Speaker 5>go with Met Life, and I called a State Farm

1:00:35.520 --> 1:00:36.800
<v Speaker 5>and I was like just talking to I'm like, oh,

1:00:36.800 --> 1:00:38.800
<v Speaker 5>we got life insurance. I was like, oh you do,

1:00:39.240 --> 1:00:40.800
<v Speaker 5>and come to find out it was actually cheaper than

1:00:40.840 --> 1:00:41.400
<v Speaker 5>Met Life.

1:00:41.480 --> 1:00:43.280
<v Speaker 1>I wonder if we can get a state Farm discount

1:00:43.360 --> 1:00:44.960
<v Speaker 1>since we've been doing commercials.

1:00:44.520 --> 1:00:47.960
<v Speaker 2>For that right period. Discount is your age.

1:00:47.760 --> 1:00:51.560
<v Speaker 1>Baby, The discount is your age, So start down, especially

1:00:51.560 --> 1:00:52.640
<v Speaker 1>if you're younger, get it.

1:00:52.680 --> 1:00:55.600
<v Speaker 2>Get it as please. This is the message.

1:00:55.640 --> 1:00:59.200
<v Speaker 5>If you're young, if you're healthy, don't wait, do not wait.

1:00:59.320 --> 1:01:01.440
<v Speaker 5>This is absolute the best time to do it, and

1:01:01.480 --> 1:01:04.120
<v Speaker 5>thank me later. Period y'all.

1:01:04.360 --> 1:01:08.160
<v Speaker 1>Hurry up, hold on. So we talked about that. That

1:01:08.240 --> 1:01:10.960
<v Speaker 1>was good information. I'm sure people really enjoy this episode

1:01:10.960 --> 1:01:12.720
<v Speaker 1>because they got you dropped some jewels for them and

1:01:12.760 --> 1:01:14.680
<v Speaker 1>for me. I need to add some more policies to

1:01:15.000 --> 1:01:16.520
<v Speaker 1>I have a few. Let me tell y'all. When I

1:01:16.560 --> 1:01:18.560
<v Speaker 1>bought that policy from her, I just bought it on

1:01:18.760 --> 1:01:19.760
<v Speaker 1>like she would.

1:01:19.760 --> 1:01:21.960
<v Speaker 2>I say, I need one more selle to make this money.

1:01:22.600 --> 1:01:24.320
<v Speaker 2>She's like, I got you.

1:01:24.440 --> 1:01:27.040
<v Speaker 1>Yeah, that's how it really even about my health. And

1:01:27.200 --> 1:01:28.080
<v Speaker 1>I've been paying.

1:01:27.920 --> 1:01:30.600
<v Speaker 2>It for years now, about three or.

1:01:30.560 --> 1:01:33.280
<v Speaker 1>Four years now. But I mean, I now I feel

1:01:33.320 --> 1:01:35.520
<v Speaker 1>like I need to add more at that information, and

1:01:35.560 --> 1:01:37.439
<v Speaker 1>I know it's gonna be probably more. It's probably gonna

1:01:37.480 --> 1:01:40.360
<v Speaker 1>be double for me, you know, No, with me having

1:01:40.360 --> 1:01:42.440
<v Speaker 1>a pre existing condition, it might be a little.

1:01:42.240 --> 1:01:46.960
<v Speaker 5>Bit more sometimes, but it depends on the underwriting, right,

1:01:47.000 --> 1:01:49.360
<v Speaker 5>And that sometimes means why I say, you gotta do

1:01:49.360 --> 1:01:52.040
<v Speaker 5>your research because some policies may ask a question that

1:01:52.080 --> 1:01:56.440
<v Speaker 5>another one won't right. So you know, I know how

1:01:56.440 --> 1:01:59.080
<v Speaker 5>to navigate, Like I wouldn't put somebody in a policy

1:01:59.120 --> 1:02:00.960
<v Speaker 5>for twenty thousand dollars and I know they asked, did

1:02:01.040 --> 1:02:03.480
<v Speaker 5>you just take chemotherapy? But I know I got this

1:02:03.600 --> 1:02:07.360
<v Speaker 5>other one for ten thousand that don't ask right.

1:02:07.720 --> 1:02:09.400
<v Speaker 1>So well, I'm gonna get with you so you can

1:02:09.400 --> 1:02:12.760
<v Speaker 1>hook it up, you know, yea get it together. This

1:02:13.320 --> 1:02:15.760
<v Speaker 1>episode would not be right if we didn't get a

1:02:15.840 --> 1:02:17.680
<v Speaker 1>dumb bitch story from you. You know, we gotta get

1:02:17.720 --> 1:02:22.200
<v Speaker 1>a dumb You thought it was just gonna be help

1:02:22.240 --> 1:02:24.920
<v Speaker 1>caring insurance. Did you know we need to d me

1:02:25.000 --> 1:02:30.440
<v Speaker 1>story for you dumb bitch stories because we've all been

1:02:30.440 --> 1:02:33.080
<v Speaker 1>a dumb bitch at least once or twice.

1:02:33.840 --> 1:02:39.560
<v Speaker 2>My god, y'allsch Harry up okay.

1:02:39.600 --> 1:02:43.600
<v Speaker 4>So I was talking to this guy.

1:02:44.680 --> 1:02:48.480
<v Speaker 2>They always talk talking to some guy. Go ahead. I

1:02:48.560 --> 1:02:54.280
<v Speaker 2>was talking to this guy and he said, hey, come

1:02:54.360 --> 1:02:57.560
<v Speaker 2>up here to see me. I said, okay, were.

1:02:57.520 --> 1:03:00.200
<v Speaker 1>Is up here? Oh? You don't have to tell us.

1:03:00.040 --> 1:03:01.760
<v Speaker 4>It's not lived in.

1:03:02.520 --> 1:03:06.960
<v Speaker 5>So I went up there to see him, and he

1:03:07.000 --> 1:03:08.880
<v Speaker 5>didn't answer the door.

1:03:11.880 --> 1:03:13.680
<v Speaker 1>He left you outside outside.

1:03:14.520 --> 1:03:16.440
<v Speaker 2>Wait a minute, okay, so how far did you travel?

1:03:16.440 --> 1:03:18.680
<v Speaker 2>You have to tell us where, but how far did

1:03:18.680 --> 1:03:19.760
<v Speaker 2>you travel? I drove?

1:03:20.800 --> 1:03:21.560
<v Speaker 4>Okay, I drove?

1:03:22.720 --> 1:03:24.200
<v Speaker 1>And how many hours? Was it?

1:03:24.360 --> 1:03:25.320
<v Speaker 4>Six hours?

1:03:27.320 --> 1:03:27.560
<v Speaker 1>Oh?

1:03:28.440 --> 1:03:32.720
<v Speaker 2>Had you been with him before? Yes? And he told

1:03:32.800 --> 1:03:36.360
<v Speaker 2>you to come up, that you plan to come, asking

1:03:36.400 --> 1:03:37.080
<v Speaker 2>you to come.

1:03:37.640 --> 1:03:39.800
<v Speaker 4>I don't just go anywhere. We don't do that. We

1:03:39.800 --> 1:03:41.560
<v Speaker 4>were never that pressed, okay, right.

1:03:41.920 --> 1:03:45.520
<v Speaker 2>Period, We were like, it's two of them talk about

1:03:45.520 --> 1:03:49.000
<v Speaker 2>me a third person. I was never that pressed.

1:03:50.120 --> 1:03:52.160
<v Speaker 4>But yes, did I answer the door?

1:03:52.680 --> 1:03:53.640
<v Speaker 1>Did you kick the door in?

1:03:53.840 --> 1:03:56.880
<v Speaker 2>I left a footprint on it. I was trying to

1:03:56.880 --> 1:03:59.360
<v Speaker 2>get it down. Did y'all talk after that? At any point?

1:03:59.400 --> 1:04:00.000
<v Speaker 2>Did he hit you up?

1:04:00.680 --> 1:04:00.720
<v Speaker 1>No?

1:04:00.880 --> 1:04:03.400
<v Speaker 5>He came and met me and was like, God, long

1:04:03.440 --> 1:04:06.760
<v Speaker 5>story short, had a girl there. At some point it

1:04:06.800 --> 1:04:07.400
<v Speaker 5>was just trash.

1:04:07.680 --> 1:04:09.480
<v Speaker 4>He went out. I guess he wants have brought it

1:04:09.520 --> 1:04:10.720
<v Speaker 4>back and forgot and got.

1:04:10.640 --> 1:04:13.200
<v Speaker 1>Drawnk Like he what time you were going to get there?

1:04:13.280 --> 1:04:15.080
<v Speaker 2>Yeah?

1:04:15.520 --> 1:04:21.560
<v Speaker 1>Yeah, I remember that. Yo.

1:04:21.640 --> 1:04:23.640
<v Speaker 4>That was the most tragic stuff in my life.

1:04:23.720 --> 1:04:26.680
<v Speaker 2>I said, ooh, girl, it ain't never been like played

1:04:26.720 --> 1:04:29.000
<v Speaker 2>with like that. No, but that don't make you really

1:04:29.040 --> 1:04:32.720
<v Speaker 2>a dumb bitch, Like he's stupid, way y'all go, I'm dumb,

1:04:32.760 --> 1:04:33.560
<v Speaker 2>but I came on there.

1:04:33.440 --> 1:04:36.920
<v Speaker 4>On my like my gas, my money, my car, my hours, Like, yo, No,

1:04:37.080 --> 1:04:37.960
<v Speaker 4>that's pretty stupid.

1:04:38.000 --> 1:04:40.280
<v Speaker 1>So but you know what, a lot of the dumb

1:04:40.440 --> 1:04:43.200
<v Speaker 1>stories don't always make us the dumb bitch. It always

1:04:43.480 --> 1:04:45.560
<v Speaker 1>typically be the other person in the story as well.

1:04:46.200 --> 1:04:50.919
<v Speaker 1>In the story, I guess you continue to funk with him.

1:04:50.800 --> 1:04:54.160
<v Speaker 2>A little while. See that be the part, right, It'd

1:04:54.160 --> 1:04:56.600
<v Speaker 2>be the aftermath that make you the dumb bitch, Cause

1:04:56.600 --> 1:04:59.120
<v Speaker 2>it's cool to be stupid, right, But when you become

1:04:59.120 --> 1:05:02.720
<v Speaker 2>a habitual bitch, when you just keep going with the ship, now,

1:05:02.800 --> 1:05:05.040
<v Speaker 2>that's when, Yeah, this was a little while longer and

1:05:05.080 --> 1:05:07.360
<v Speaker 2>I let him rise. We got to add that on.

1:05:07.480 --> 1:05:09.919
<v Speaker 2>So how long did you continue to do this bitch? Ship?

1:05:10.120 --> 1:05:12.960
<v Speaker 2>A month or two after he was counting?

1:05:14.560 --> 1:05:15.880
<v Speaker 4>Yeah, I look back at that time of.

1:05:15.880 --> 1:05:20.560
<v Speaker 2>My life, figures old life, Okay, out.

1:05:20.400 --> 1:05:20.880
<v Speaker 1>Of the woods.

1:05:21.480 --> 1:05:25.200
<v Speaker 2>Saw you got me? You wouldn't prepare for that.

1:05:25.200 --> 1:05:26.920
<v Speaker 1>That's so funny because I told her like, all right,

1:05:26.920 --> 1:05:28.760
<v Speaker 1>this is what we're gonna talk about. But I never

1:05:28.800 --> 1:05:30.400
<v Speaker 1>but you had to know that it was cooming.

1:05:30.480 --> 1:05:31.960
<v Speaker 2>You had to. No, I didn't think I was gonna

1:05:31.960 --> 1:05:35.280
<v Speaker 2>have to provide that story. That's a good one. That's

1:05:35.320 --> 1:05:37.240
<v Speaker 2>a little easy one. I feel like we can get

1:05:37.240 --> 1:05:39.840
<v Speaker 2>another good one at you, though. That was by far

1:05:39.920 --> 1:05:42.560
<v Speaker 2>my most embarrassing one, y'all because I was like, ain't

1:05:42.560 --> 1:05:54.720
<v Speaker 2>nobody seen you though? Who knows? Everybody knows, bitch, Oh

1:05:54.760 --> 1:05:57.200
<v Speaker 2>my goodness, Oh my goodness, Yeah, everybody know.

1:05:57.320 --> 1:05:58.200
<v Speaker 4>Now, don't judge me.

1:05:58.280 --> 1:06:01.200
<v Speaker 2>Y'all. Get the cash, app ladies, get the gas money

1:06:01.280 --> 1:06:02.280
<v Speaker 2>up front, right.

1:06:02.880 --> 1:06:05.960
<v Speaker 1>Well, Aaron, I really appreciate you. This was very last minute,

1:06:06.000 --> 1:06:07.800
<v Speaker 1>but this was a great episode. So thank you for

1:06:07.840 --> 1:06:08.520
<v Speaker 1>coming on with us.

1:06:08.520 --> 1:06:12.160
<v Speaker 2>I really you're welcome health care life care in here.

1:06:13.320 --> 1:06:15.680
<v Speaker 1>Yeah. See look dropping little cards.

1:06:15.920 --> 1:06:18.280
<v Speaker 2>I don't radual business card again.

1:06:18.680 --> 1:06:22.200
<v Speaker 4>My I g is Shawnee Rocket So s H A

1:06:22.640 --> 1:06:24.200
<v Speaker 4>W N I E R O.

1:06:24.160 --> 1:06:24.919
<v Speaker 1>C K E T.

1:06:26.720 --> 1:06:30.320
<v Speaker 2>DMS like that should be we should do a challenge.

1:06:30.320 --> 1:06:33.160
<v Speaker 2>We should do a life insurance challenge for the month

1:06:33.200 --> 1:06:36.400
<v Speaker 2>of May. What for real? Get your stuff to get

1:06:36.400 --> 1:06:38.320
<v Speaker 2>your stuff together right right, get.

1:06:38.200 --> 1:06:38.800
<v Speaker 1>Your ship together.

1:06:38.880 --> 1:06:40.560
<v Speaker 2>Well, we're about to run your check up for the

1:06:40.600 --> 1:06:43.000
<v Speaker 2>month of man we need ten percent, bitch.

1:06:45.960 --> 1:06:51.720
<v Speaker 1>Illegal, But ultimately we want to help people, you know, yeah,

1:06:51.760 --> 1:06:53.640
<v Speaker 1>for sure, make sure sure people are on the right

1:06:53.680 --> 1:06:55.160
<v Speaker 1>end of that. Because I ain't got no more go

1:06:55.440 --> 1:06:57.680
<v Speaker 1>for me money for y'all. I really don't.

1:06:57.800 --> 1:06:59.720
<v Speaker 2>I've never been. I don't never donate to go fund

1:06:59.720 --> 1:07:01.520
<v Speaker 2>me any more ever since when I had the leader

1:07:01.560 --> 1:07:03.920
<v Speaker 2>the old lady to living with me, paying for somebody

1:07:03.920 --> 1:07:06.080
<v Speaker 2>to living with me out of my fucking pocket for

1:07:06.160 --> 1:07:08.320
<v Speaker 2>over year, and I put up a goalfund me and

1:07:08.320 --> 1:07:11.720
<v Speaker 2>get how much money? I got two hundred and fifty

1:07:11.800 --> 1:07:13.960
<v Speaker 2>one dollars and I gave it to her for her birthday.

1:07:14.640 --> 1:07:17.320
<v Speaker 2>But my thing is, bitches could put up a goalfund

1:07:17.400 --> 1:07:20.800
<v Speaker 2>me because you went to I don't know, Memorial Weekend

1:07:21.160 --> 1:07:23.640
<v Speaker 2>with no fucking money and got stranded, and people donate

1:07:23.680 --> 1:07:26.880
<v Speaker 2>into that stupid shit. But I can't find housing for

1:07:26.960 --> 1:07:29.160
<v Speaker 2>one little old lady, So I don't fuck with people

1:07:29.200 --> 1:07:31.240
<v Speaker 2>go fund me, So maybe fuck y'all which y'all go

1:07:31.280 --> 1:07:35.000
<v Speaker 2>get a little bitter. You probably should, I am. I

1:07:34.720 --> 1:07:36.920
<v Speaker 2>know you have a way about that because people.

1:07:36.600 --> 1:07:38.880
<v Speaker 1>Maybe because I went to bullshit. You donated to that

1:07:38.960 --> 1:07:40.760
<v Speaker 1>goal fund me, So it's crazy that you only got

1:07:40.800 --> 1:07:42.440
<v Speaker 1>two hundred and fifty one dollars because I think I

1:07:42.480 --> 1:07:44.600
<v Speaker 1>gave it at least fifty myself.

1:07:44.920 --> 1:07:45.360
<v Speaker 2>That's it.

1:07:46.600 --> 1:07:48.120
<v Speaker 1>So we paying to bullshit.

1:07:49.720 --> 1:07:52.840
<v Speaker 2>You see example, But you see that fifty dollars could

1:07:52.840 --> 1:07:53.160
<v Speaker 2>have done.

1:07:53.200 --> 1:07:54.200
<v Speaker 4>You would have had a policy.

1:07:55.320 --> 1:07:57.520
<v Speaker 2>Well, you know, I wanted to put life insurance on her,

1:07:57.600 --> 1:08:03.120
<v Speaker 2>but she was I waited long and I probably didn't

1:08:03.160 --> 1:08:05.840
<v Speaker 2>have what is it called enshoreable interest on her because

1:08:05.840 --> 1:08:08.160
<v Speaker 2>she wasn't a family member. She was a stranger I met.

1:08:08.360 --> 1:08:09.880
<v Speaker 2>But I wanted to try to get like a burial

1:08:09.880 --> 1:08:11.800
<v Speaker 2>And this bitch is still out here. Let's be clear,

1:08:11.800 --> 1:08:15.800
<v Speaker 2>she's still outside. And she's eighty six now though. Yeah,

1:08:16.000 --> 1:08:18.479
<v Speaker 2>so she's eighty three when I moved here, and she.

1:08:18.479 --> 1:08:21.320
<v Speaker 5>Could get a policy, but it won't be she'll get

1:08:21.360 --> 1:08:24.479
<v Speaker 5>a burial bury on thousand, yeah, something small.

1:08:25.320 --> 1:08:27.000
<v Speaker 2>I feel like people should get cremated if they don't

1:08:27.000 --> 1:08:31.160
<v Speaker 2>have policies like and which is seven thousand, you're still

1:08:31.160 --> 1:08:33.960
<v Speaker 2>going seven thousand for creep. Why can't why they can't

1:08:33.960 --> 1:08:35.400
<v Speaker 2>burn people in the backyard.

1:08:35.000 --> 1:08:39.080
<v Speaker 1>Staying to put you in the paren boxes for free thought.

1:08:39.200 --> 1:08:40.960
<v Speaker 5>Matter of fact, they give you two hundred and fifty

1:08:40.960 --> 1:08:43.280
<v Speaker 5>dollars a month. I mean two hundred and fifty dollars.

1:08:43.320 --> 1:08:44.640
<v Speaker 5>If someone passed away without.

1:08:45.880 --> 1:08:47.439
<v Speaker 2>So I can turn the body in for two fifty

1:08:47.520 --> 1:08:53.800
<v Speaker 2>that's how much it's worth. Yes, girl, I mean, but

1:08:53.800 --> 1:08:59.960
<v Speaker 2>it's not enjoy We're not going there, hit ship friend.

1:09:04.680 --> 1:09:06.760
<v Speaker 1>Any time to start going to that dark place. I

1:09:06.800 --> 1:09:07.400
<v Speaker 1>know it's time to.

1:09:09.400 --> 1:09:11.720
<v Speaker 2>Allright, y'all, no bitch be getting this check look the

1:09:11.840 --> 1:09:17.800
<v Speaker 2>dad check. If you guys enjoyed this episode, please tune

1:09:17.800 --> 1:09:20.080
<v Speaker 2>in every Thursday on your iHeart Radio Apple where the

1:09:20.080 --> 1:09:22.680
<v Speaker 2>fuck you get your podcast at. This is your co

1:09:22.840 --> 1:09:26.280
<v Speaker 2>host AJ Holiday two point oh on Instagram. Y'all follow

1:09:26.320 --> 1:09:28.200
<v Speaker 2>me down if you won't get on. What's up?

1:09:28.280 --> 1:09:30.760
<v Speaker 1>Tam y'all was official? Tam maam. I love y'all. Thank

1:09:30.800 --> 1:09:32.719
<v Speaker 1>y'all for tuning in. Remember speak now.

1:09:32.720 --> 1:09:34.120
<v Speaker 2>And never hold your peace.

1:09:34.720 --> 1:09:35.400
<v Speaker 1>Des