Speaker 1: Talk Talk, talk to We're just two unapologetically black women
Speaker 1: with an opinion to talk.
Speaker 2: What's up, y'all? Thank you for tending in for a
Speaker 2: new episode of We Talked Back, a show dedicated to
Speaker 2: you naked, I mean you, what was that? And did
Speaker 2: your co host AJ Holliday? What's up? Tom?
Speaker 1: And it's dedicated to those blanks and everybody in between.
Speaker 1: Hey gyll, Hey y'all. I love y'all once again this week,
Speaker 1: I'm still coming with all the love.
Speaker 2: How you doing, friends, I'm good. I met a couple, uh,
Speaker 2: couple of beige guys this weekend, and I think that
Speaker 2: maybe one might have listened to the show and he
Speaker 2: curved me yesterday, So I mean yeah, so, but I'm
Speaker 2: just saying maybe that maybe the intro scares people off,
Speaker 2: because last night I was good, right, So fuck the period.
Speaker 1: I can't Well, maybe we don't have to say to
Speaker 1: niggas and hoes.
Speaker 3: Maybe we could just say to ninjas and pros.
Speaker 1: Ninjas and pros.
Speaker 2: Yeah, so toutch your toes.
Speaker 3: What you do this weekend besides meet some beige guys.
Speaker 2: I was outside all weekend, like for real, outside.
Speaker 3: Celebrating our wind. Yeah, celebrate your wins kind of.
Speaker 2: I guess maybe that's what it was. I just started
Speaker 2: wearing brunch every day and then then just didn't get
Speaker 2: home till ten eleven o'clock at night, so brunch starts
Speaker 2: at one time twelve. So I was doing twelve hour
Speaker 2: shifts of ratchet shit this weekend. It was really fun, real,
Speaker 2: real fun. You know, Charleston has a lot of nice places,
Speaker 2: a lot of nice like rooftop bars, and it's always
Speaker 2: sunny out and shit, and we got palm trees. I
Speaker 2: just feel like niggas be hating because we got palm
Speaker 2: trees and we got the beach and it just be nice.
Speaker 2: All the Southern Charm characters are out this weekend too,
Speaker 2: y'all know. We got the reality show in Charleston, Southern Charm,
Speaker 2: that which highlights all the prominent elitists in the city,
Speaker 2: you know, the slave owners descendants exactly, okay, and all
Speaker 2: the generational wealth a couple of them. Not My favorite
Speaker 2: character off that show is what's this girl's name? And
Speaker 2: she was out as well. But she doesn't she didn't
Speaker 2: come from money for real. She she's a she owns
Speaker 2: the salon here now and I don't even think she
Speaker 2: got the salon until she was on the show. Not Madelin.
Speaker 2: I forgot her name anyway, she just got married, super
Speaker 2: pretty white girl. But the rest of them follow Yeah,
Speaker 2: the rest of them are mm hmm.
Speaker 3: Said I stay home and cook meals for uh.
Speaker 2: Uh, you was cooking for niggas this weekend.
Speaker 1: Mm hmmm.
Speaker 2: I hear that. You gotta you got a boyfriend.
Speaker 1: Mm hmmm, a friend because I just had to let
Speaker 1: these niggas know, you know, because they be thinking because
Speaker 1: I make them take me to dinner all the time
Speaker 1: that I don't know how to cook, but I can
Speaker 1: get these pasta quaking what you cook? I had a
Speaker 1: all right, So I made some steak, I made some rabbis,
Speaker 1: and I made some lobster mac and cheese, and I
Speaker 1: made some broccolini with some little honey. Honey but a
Speaker 1: croissant's on ma sad sounds good like and some wine.
Speaker 2: I heard you had that world where now mi mac
Speaker 2: and cheese, like, I've made your mac and cheese, but
Speaker 2: I've never actually tasted your mac and cheese. You know.
Speaker 2: It's it's like a it's like a a like a
Speaker 2: love spell or something. You put your own little mix
Speaker 2: on this. I know mine's probably tastes different. I haven't
Speaker 2: actually tasted yours, but I heard it was good.
Speaker 3: Well, when you come to Charlotte, I'll make you a
Speaker 3: little small pan.
Speaker 2: I heard your mac was mac and bitch, it's it's
Speaker 2: the bee's knees. People have been back too and be macing.
Speaker 3: No, let me tell you what I love yours, red rice.
Speaker 2: B Look, we had a trade recipes. You know, real
Speaker 2: cooks don't be just giving our fucking recipes. So I
Speaker 2: was like, all right, bitch, let me get the mac
Speaker 2: and cheese. I'll send you the red the red rice recipes.
Speaker 1: That red rice is so good. That's why I got
Speaker 1: this little extra piece of hip.
Speaker 2: You know, I can't even eat red rice like that
Speaker 2: no more because it doesn't like taste the same without
Speaker 2: all the meat, you know, cut it off. Yeah. I
Speaker 2: haven't had red rice myself in a long time years.
Speaker 1: But it's pointless if you just eating red rice, right, No,
Speaker 1: no animals right, no animals cooked in the rice?
Speaker 2: Is it's crazy.
Speaker 3: Let's get into our stupid internet, nigga.
Speaker 2: Let's see what's going on. So uh, I want to
Speaker 2: start with Ebony K. Williams and Ayanaana. I can't say
Speaker 2: her name, say it ian love on Zant got it okay,
Speaker 2: which is not her real name, but let's start there. Yeah,
Speaker 2: so I know you've probably seen it if you guys haven't,
Speaker 2: So it's a viral video going on right now. So
Speaker 2: ebide King Williams and essentially Ayanya Ayanya was.
Speaker 3: Asked Ivy just call her by Ivy.
Speaker 2: Ivy was asking her when she date a bus driver, right,
Speaker 2: and she said, if he owned the bus, that's what
Speaker 2: you know. Ebdy K Williams response was, I like comments.
Speaker 2: I like to see what the people think. I really
Speaker 2: don't give a fuck what the people think, but I
Speaker 2: do like to see people's thought process and a lot
Speaker 2: of people talking shit, especially the men. Oh she's forty
Speaker 2: something still with no man, this and the third and
Speaker 2: I'm like, after this weekend and being out a little bit,
Speaker 2: is it possible that there are a lot of black
Speaker 2: women that are single and haven't been wedded because or
Speaker 2: I think she's been married before she's divorced, right, she
Speaker 2: isn't married now, but I think a lot of Black
Speaker 2: women are single because we choose to stay within our
Speaker 2: own shit, right, you know, if she were to choose
Speaker 2: to maybe date outside. She might be married.
Speaker 3: What's wrong with her wanting him to own the bus?
Speaker 2: I don't know. And I feel like, ma'am, you don't
Speaker 2: compare me to you, Like you might be cool with
Speaker 2: that shit, like you might have to get a bus driver,
Speaker 2: but that's.
Speaker 3: Not what I want, right aur Yalla was like, see,
Speaker 3: that's your problem, bit.
Speaker 2: And there's nothing wrong with a bus driver, but you
Speaker 2: don't go through life being a super accomplished woman right
Speaker 2: to not at least want somebody. And I hate to
Speaker 2: use the term equal, but that's what it is. I
Speaker 2: feel like in a black community, black men are hypergamous.
Speaker 2: Black men date up all day long, like you got
Speaker 2: to come with all the shits, right, But for the
Speaker 2: black women, like it's almost like, oh, I can't believe
Speaker 2: you bitches who are quiet. Stuff, that's a problem. Like
Speaker 2: they want us to date down so that they have
Speaker 2: access to the best of the best, right.
Speaker 1: I agree, But no, because a black man will grab
Speaker 1: a woman out of target skin and stuff.
Speaker 2: Yes she's if she's a hispanic, yeah, with a big booty,
Speaker 2: with all our with all our characteristics, right, all our
Speaker 2: physical characteristics and aesthetics, but just not on a black woman.
Speaker 2: Is that fair to say, Oh, successful black men I've
Speaker 2: seen I've seen successful black men grab black women out
Speaker 2: of the strip club dancing on a pole.
Speaker 1: So I mean that's not really hypergamy?
Speaker 2: Is it? That is hypergny? That woman on the pole
Speaker 2: is dating up. Yes, that's hYP for her, but it's
Speaker 2: not hypergammy right for the man? Right? Yeah? I don't know.
Speaker 1: So, I mean, I guess it's a craw shot. Honestly,
Speaker 1: I just don't like people being angry with a woman
Speaker 1: for wanting.
Speaker 3: Better for herself, Like, why are you upset about that?
Speaker 1: I just don't get that right.
Speaker 2: And now it's like a trending topic online and it
Speaker 2: puts black women Now it's like, I'm sorry, Ivy gives
Speaker 2: me pick me energy. I'm sorry, she just does. And
Speaker 2: I don't think we should be shunning any other black
Speaker 2: women for her preference. Men get to have preferences all
Speaker 2: day long or what they prefer in relationships. Why is
Speaker 2: it like a death sentence when we do, Like, oh,
Speaker 2: you just automatically get super shamed for you know, putting
Speaker 2: out there what you want. Why not, right, that's how
Speaker 2: you get what you want? You have to fucking speak it.
Speaker 1: So I just thought about oh boy friend uh with
Speaker 1: Jada Pinkett when he was driving the bus.
Speaker 3: He took her to the feeling and fucked her. Who
Speaker 3: what's his name?
Speaker 2: What movie?
Speaker 1: Alan Payne, Allen Payne and Jada Pinkett on Jason's lyric.
Speaker 1: He got her, he picked up on the bus. It
Speaker 1: was nobody else on it, and he took it to
Speaker 1: their feeling fucked her. I might do that with a
Speaker 1: bus driver if he was fine. Yo, No, fucked me
Speaker 1: in some roadses, big daddy.
Speaker 2: The thing is, it's okay if we're in our twenties,
Speaker 2: right and we're growing and building together. But we're talking
Speaker 2: about forty year old women and up we're not the
Speaker 2: only single ones. Black men are single too, Like, it's
Speaker 2: a lot of Black single men, it's a lot of
Speaker 2: Black single women. I just think that oftentimes in the
Speaker 2: black community, we don't put as much emphasis on marriage.
Speaker 2: Black men in particular don't put that much emphasis on marriage.
Speaker 2: They don't see the benefit of value. Yeah, they don't
Speaker 2: see the benefit in having a wife and building, like
Speaker 2: for real, building a legacy and not just saying it.
Speaker 2: They don't see the value in it. So that's why
Speaker 2: we single. It ain't because it's not men out here,
Speaker 2: you know what I'm saying. They just don't have they
Speaker 2: don't just don't put the value on marriage, same way
Speaker 2: we don't put value on education. And a lot of
Speaker 2: other things were actually going to get into in this
Speaker 2: particular episode. But yeah, I'm with uh, I'm definitely with
Speaker 2: F D. K. Williams. Sorry too, Okay, sorry.
Speaker 1: Unless one of y'all got a bus, it could take
Speaker 1: me to a patch of flowers and you find somewhere
Speaker 1: every k. Tony Braxton revealed that she went underwent emergency
Speaker 1: heart surgery in September to treat a life threatening lupus complication.
Speaker 1: My good sister's going through it with her lupus, And
Speaker 1: you know, shout out to all the lupus warriors out
Speaker 1: there that's you know, battling silently or publicly.
Speaker 2: You know my niece say that my niece has lupis.
Speaker 1: Yeah, shout out to your niece.
Speaker 2: And sometimes I wish I can like take it from
Speaker 2: her because I know I'd be able to manage it better,
Speaker 2: you know what I'm saying. Like I tell her oftentimes,
Speaker 2: like maybe you might have to do vegan for a
Speaker 2: little while when I was living in Saint Louis, I
Speaker 2: used to get calonics done every week, and the lady
Speaker 2: who was doing it was this African woman. She said,
Speaker 2: she showed me pictures of her wheelchair bed redding. She
Speaker 2: was sick. Lupe is supposed to be dead, essentially, and
Speaker 2: she started she started doing colonics, getting colonics, and she
Speaker 2: went vegan healthy, healthy.
Speaker 1: It's all you know. A lot of it has to
Speaker 1: do with what you put in your body, but sometimes
Speaker 1: it takes more than that. Tony Braxton said, I kept
Speaker 1: putting the test off, thinking oh, I'm fine, I'll be okay.
Speaker 1: But my doctor was persistent and I went to get tested.
Speaker 1: In the last week of September. I did a specialized
Speaker 1: test and they looked at my heart and saw some abnormalties.
Speaker 1: Braxton told People Magazine. I found out that I needed
Speaker 1: a coronary stint. My left main corodinary alreaty was eighty
Speaker 1: percent block. The doctors told me I could have had
Speaker 1: a massive heart attack. I wouldn't I have survived. There
Speaker 1: was a traumatic moment for me. I was in shock.
Speaker 1: She underwent emergency surgery two days later and had a
Speaker 1: stint inserted into the artery to keep it from narrowing
Speaker 1: or closing day.
Speaker 2: How does that? How does that cause via lupus? I
Speaker 2: know La shows up different for everybody, but I wonder
Speaker 2: if she's ever had any heart issues prior to now,
Speaker 2: that's right, that's weird. Yeah, lupas affects everybody differently because
Speaker 2: some people are like for real, like bedridden, can't walk,
Speaker 2: skin crazy, like like is your body like for real?
Speaker 2: Turning it against you?
Speaker 1: Yeah?
Speaker 2: Yeah, you know what I want to talk about. Also
Speaker 2: prose prose. Michael from the from the Fujis so Praz
Speaker 2: was the founder of the Fujis, but he got convicted
Speaker 2: of ten counts of conspiracy essentially last week he was
Speaker 2: in federal court. You even had Leonardo DiCaprio DiCaprio so
Speaker 2: testify against him. But I don't think people understand what
Speaker 2: the fuck is really going on with that, And maybe
Speaker 2: I'll try to convey it a little bit.
Speaker 1: Right.
Speaker 2: I feel like the headlines have been trying to throw
Speaker 2: in our previous president, which is Trump. But this just
Speaker 2: started with the Obama administration. Essentially, they had been funneling
Speaker 2: money to the Obama administration, like you know, during the
Speaker 2: twenty twelve election by way of this this Chinese businessman. Essentially,
Speaker 2: they stole billions of dollars from a Chinese fund and
Speaker 2: they were funneling money like illegal lobbying and shit like that.
Speaker 2: So the complaint reads that federal jury convicted US entertainer
Speaker 2: and businessman today of orchestrating an unregistered back channel campaign
Speaker 2: beginning in or about twenty seventeen to influence the then
Speaker 2: administration of the President of the United States and Department
Speaker 2: of Justice to drop the investigations of Joe Lo jh
Speaker 2: or Is a Jayo Jayo Ho j Ho Loo is
Speaker 2: his name, j Lo j lo Is j Ho Lo
Speaker 2: though and others for embezzlement and other offenses in connection
Speaker 2: with the international strategic and development company known as One
Speaker 2: Malaysia Development berhad it's one m d B and to
Speaker 2: send a Chinese national back to China, as well as
Speaker 2: inspiring to make and conco foreign and conduit campaign contributions
Speaker 2: during the twenty twelve US presidential elections. So that's when
Speaker 2: Obama would have been in office. So, according to the
Speaker 2: documents and evidence presented at trial, Praz Michael fifty of
Speaker 2: Coconut Creek, Florida, conspired with Low Tech Jyho Aka Jho
Speaker 2: Low of Malaysia, and then they have all these other
Speaker 2: people listed and others to engage in undisclosed lobbying campaigns
Speaker 2: at the direction of Low and the Vice Minister of
Speaker 2: Public Security for the People's Republic of China, respectively, to
Speaker 2: have the one mdb em bezzlman investigate investigation and forfeiture
Speaker 2: proceedings including Low and others dropped, and have Chinese national
Speaker 2: sent back to China. So essentially he was give him money,
Speaker 2: trying to funnel money to the campaign, right, and then
Speaker 2: also trying to convince the Trump administration to stop investigating
Speaker 2: the shit they did in twenty twelve. Ah, while y'all
Speaker 2: got Trump fucked up for giving a bitch one hundred
Speaker 2: and thirty dollars for one hundred and thirty thousand dollars
Speaker 2: to come.
Speaker 1: Sure, if we investigated any all of them, all of them,
Speaker 1: I'll have some money that came from somewhere that didn't
Speaker 1: belong all of them.
Speaker 2: Because that's how we get in trouble with these other countries,
Speaker 2: Like people are doing backdoor deals and shit like that,
Speaker 2: swapping money. It happens all the time. I just hate
Speaker 2: how this black man this one lone black man is
Speaker 2: about to take the fall for a major criminal enterprise.
Speaker 2: At this point, this shit is, this shit is way
Speaker 2: bigger than these little, small, little headlines. This shit is
Speaker 2: real serious. I don't think people know how serious it
Speaker 2: is though, because.
Speaker 1: Yeah, I don't think people understand how serious this is.
Speaker 1: But I cannot wait for it to be adapted into
Speaker 1: a movie.
Speaker 2: So you can get the summary. Oh la la la,
Speaker 2: I hate you out. That's just fucking senious. We're in
Speaker 2: trouble right now. Our country has literally been sold. Our
Speaker 2: country has been bought and fucking sold, and people don't
Speaker 2: see that. They don't see that we fucked up right now,
Speaker 2: Like do y'all see bricks? Is like this is basically
Speaker 2: essentially like you're all these other countries are coming together
Speaker 2: now and they're like, fuck the United States, Fuck the US.
Speaker 2: That's a problem. It's no more United Nations. We like
Speaker 2: literally now on an island by ourselves. And I don't
Speaker 2: really blame these other countries, like America does some fucked
Speaker 2: up stuff to other people. I hate the term destabilized,
Speaker 2: like you're running up in other people's countries to destabilize
Speaker 2: some stable shit like the main thing that the United
Speaker 2: States produces. It's like warshit, war tools, guns, ammunition, big
Speaker 2: stupid ass missiles and shit like that. That's our main
Speaker 2: industry here, and that's all like makings of a fucking bully.
Speaker 2: So yeah, this shit is fucking serious.
Speaker 1: Man.
Speaker 2: I wish more people would look into what's really going
Speaker 2: on with Prouse and it's it's terrible that he's going
Speaker 2: to take the fall. And they said he was a
Speaker 2: US informant for twenty years, a federal informer for twenty years.
Speaker 2: But what he informed on was the fact that that
Speaker 2: China had an America citizen and the Chinese national like
Speaker 2: hell captive at some point. That's what he informed the
Speaker 2: US government of nobody's talking about that that part. But yeah,
Speaker 2: that's that's well.
Speaker 1: I can't wait for the minutes.
Speaker 2: So crazy ass, y'all. Rip to Jerry Springer, Yes, Rip
Speaker 2: to Harry Belafonte.
Speaker 1: Yes, both of those people. I feel like it's certain
Speaker 1: to be like, if there is a heaven, there's a
Speaker 1: lot more cool people in heaven than still on the earth.
Speaker 2: This is hell. Like, this shit is so fucking stressful. Yeah,
Speaker 2: I remember I was an angueola talking shit about America
Speaker 2: We was like sit at the bar and my homegirl
Speaker 2: her phone was on the bar and were just like, man,
Speaker 2: America so stressful, Like yeah, these people might have less
Speaker 2: over here, but they chilling like they live on the beach.
Speaker 2: That girl, why the fuck SERI came on and started
Speaker 2: calling the police on us. That bitch started calling nine
Speaker 2: one one on us for talking shit about America. Here.
Speaker 2: We don't play by her, Like what what the hell
Speaker 2: they be listening? They be listening, man, all this AI
Speaker 2: shit that's happening. If you're reading this, it's too late.
Speaker 2: If you're listening to this, it's too late.
Speaker 1: You had to put me on some I just want
Speaker 1: my man to get some land at this point and
Speaker 1: put me on it.
Speaker 2: Now.
Speaker 1: Had that put me on some land so I can
Speaker 1: just raise some animals and grow my own food.
Speaker 2: You're that homestead and it's fucking hard. I got a
Speaker 2: few homestead books I ordered off Amazon, like when shit
Speaker 2: really gets stupid, I'll know how to make a windmill
Speaker 2: and shit and how to generate enemy from water.
Speaker 1: I need to learn how to make preserves. My grandma
Speaker 1: got a recipe book. I need to look at it.
Speaker 1: I need to dust it off and look at how
Speaker 1: she used to have like a cabinet full of preservatives,
Speaker 1: like just jars and jars and stuff. And I can't
Speaker 1: I can preserve. I can't keep nothing living right now
Speaker 1: but myself. But we're gonna work on it.
Speaker 2: Shame my plants so thriving. My little money plant, g
Speaker 2: I got her sitting by the door right now. I'd
Speaker 2: be kissing that plant all the type of shit. I'm
Speaker 2: so proud that I've been able to keep that plan
Speaker 2: alive for about a year now.
Speaker 1: I mean that's good. Mine lasted like two months, two
Speaker 1: three months. I I think I overloved it.
Speaker 2: You probably put too much on it.
Speaker 1: Yeah, that's what I think.
Speaker 3: And I overwater it.
Speaker 1: I talk to it every day, and I used to
Speaker 1: be like, why is you looking like that?
Speaker 2: That should only need like minimal light and like six
Speaker 2: ounces of water every three weeks is what you're supposed
Speaker 2: to give it. I put coconut water on my plant
Speaker 2: so she'd be like, well, bitch, thank you, but y'all
Speaker 2: like again. Rip to Jerry Springer and Harry Belafonte. Halle
Speaker 2: and Harry Belafonte was ninety. Jerry Springer died at seventy nine,
Speaker 2: and this is a great segue into what we want
Speaker 2: to talk about today, life insurance, health insurance. We're gonna
Speaker 2: make sure we aside from talk about relationships and shit
Speaker 2: like that all the damn time, we do have other
Speaker 2: things that we're capable of speaking on. Right, So we
Speaker 2: do have a special guest on we Talked Back this week.
Speaker 2: Who's gonna give us and our listeners more information? I mean,
Speaker 2: we're all at that age you don't wanna wait until
Speaker 2: something bad happens to think about these things. Get on
Speaker 2: top of it today, all right.
Speaker 1: Y'all, Thank y'all for joining we talk Back TV. All right,
Speaker 1: So we have a special guest on today. It is
Speaker 1: actually my cousin, And the reason why I wanted to
Speaker 1: bring her on is y'all will be having these gofundmes
Speaker 1: every time someone passes away, someone's sick. That is just
Speaker 1: seems like to be the black way to handle things
Speaker 1: when it comes to health care and paying for death.
Speaker 1: And we all got to go up out of here,
Speaker 1: so we need to get in front of that. So
Speaker 1: I got my cousin, Aaron Corbett on and she's a
Speaker 1: licensed insurance professional. She's been in the industry for almost
Speaker 1: ten years. And she has a lot of experience, tons
Speaker 1: of experience, and she's literally helped me so much when
Speaker 1: it comes to my health insurance and my health care.
Speaker 1: So I wanted to have a conversation with her so
Speaker 1: we can get some knowledge for y'all on how to
Speaker 1: get on top of that, so we can start with
Speaker 1: this gofunmy shit. Hey eron, girl, thank you for joining us.
Speaker 2: Yeah black for you guys to have me here today.
Speaker 2: It's a family affair.
Speaker 1: I wanna get some real information to our listeners that
Speaker 1: can help, because you know, I was out here running
Speaker 1: around here, Like I know a lot of people they
Speaker 1: use the emergency room as their only source of health care.
Speaker 1: Like they wait till they almost half did, right, and
Speaker 1: they just go to the emergency room and then they
Speaker 1: have these astronomical bills that they never plan to pay.
Speaker 1: And you know that's just not the health healthy way
Speaker 1: to do it. First, you tell everybody about yourself and
Speaker 1: your your career. Sure.
Speaker 4: So again, my name is Aaron Corbett.
Speaker 5: Like I said, I've been in the insurance industry almost
Speaker 5: ten years. I do carry three licenses. I'll do health,
Speaker 5: life and supplementals, So basically I work with everything that
Speaker 5: deals with whatever can happen to you while you're alive
Speaker 5: or after someone passes away.
Speaker 2: Okay, so life insurance is not just for the dad,
Speaker 2: y'all like and while you're living for the living, So.
Speaker 1: Have life insurance for the living, because don't like you
Speaker 1: don't get paid out to you.
Speaker 4: No, that's not true.
Speaker 2: So let's talk about whole life insurance, for instance, in
Speaker 2: different different ways people actually build wealth. We can start there,
Speaker 2: build wealth from having life insurance policies. I think a
Speaker 2: lot of black people are they miss that because they
Speaker 2: just don't know because they only think about life insurance
Speaker 2: when it's when somebody dies.
Speaker 4: That's correct.
Speaker 5: Life insurance it's a tool for finance, right, because if
Speaker 5: you buy whole life policies that you were speaking of,
Speaker 5: what it does is it generates your own.
Speaker 4: Source of a loan.
Speaker 2: Right.
Speaker 5: And if there's different variations of life insurances. But let's say,
Speaker 5: for example, you have like a twenty pay life insurance.
Speaker 5: It'll be paid off in twenty years. Let's say it
Speaker 5: was fifty thousand, but you only put twenty thousand in it.
Speaker 5: So if you started at thirty, paid it off by fifty,
Speaker 5: now you have fifty thousand dollars just sitting there for
Speaker 5: whatever you want. You can purchase a home within cash
Speaker 5: it out. You can use it to pay down debt
Speaker 5: if that's something that you had going on, pay for
Speaker 5: children's college and different things like that, start your own business.
Speaker 5: But it becomes your own source of money to borrow
Speaker 5: from cash out without taking out a loan that has interests,
Speaker 5: different things like that.
Speaker 4: So that is a way that they do use it
Speaker 4: to build wealth.
Speaker 2: So, you know, we talk about reparations a lot, like
Speaker 2: Black people, Oh, we need to get paid for slaveryness
Speaker 2: in a third, but I think that a lot of
Speaker 2: people don't have deliverables. Like if we were to actually
Speaker 2: acts for reparations, what are some of the deliverables? And
Speaker 2: whole life insurance is one of the things I would
Speaker 2: ask for. We need whole life assurance free tuition.
Speaker 1: When you say whole life insurance is.
Speaker 2: Because it's a tool to build wealth. Right, So imagine
Speaker 2: if every black person, this is my one thought process
Speaker 2: of life assurance. There's not enough black people with life assurance.
Speaker 2: So we think about how the police keep killing black people. Right,
Speaker 2: If more black people have life insurance, the police would
Speaker 2: be less likely to kill us. There's just no repercussions
Speaker 2: for killing black people. They literally have a license to
Speaker 2: kill black people, and your family can't benefit from the
Speaker 2: death either because you don't have life assurance. If more
Speaker 2: black people had life insurance, it would probably be less
Speaker 2: police killings because the insurance companies going to start suing
Speaker 2: the police departments if they have to keep paying out
Speaker 2: on these loans. Well, I'm sorry on these policies. Paying
Speaker 2: out on the policies, not the loans.
Speaker 5: It could make higher risk rading. So it might just
Speaker 5: cost more for black people to get life insurance for
Speaker 5: us to live anyway. Yes, but I just to kind
Speaker 5: of touch on something that you said. I think that
Speaker 5: we just don't prepare or value certain things in the
Speaker 5: right way. When we talk about the difference between black
Speaker 5: people and other ethnicities. What they do is they prepare,
Speaker 5: so there's common conversations in a white household to have
Speaker 5: life insurance, to have short term disability, to make sure
Speaker 5: they have these different policies like cancer policies, critical illness
Speaker 5: just in case, right, because the thing that happens is
Speaker 5: something's going to happen to you, when it's going to
Speaker 5: happen to you, is what you don't know, and how
Speaker 5: do you prepare to not ruin everything that you built
Speaker 5: your whole life around your house, right, all the savings
Speaker 5: that you may have saved, didn't go on vacations just
Speaker 5: to have this sit in here? How do you protect
Speaker 5: yourself in that way? And we just don't do a
Speaker 5: good job of that. We'll go buy one hundred and
Speaker 5: twenty dollars, Jordan's two hundred and fifty dollars, Jordan's the
Speaker 5: new Yeezy's on the drop for four hundred dollars on
Speaker 5: a resale, and a policy like this in the right
Speaker 5: age range's about dollars a month. You know, we just
Speaker 5: do not prepare in the right way. The way we
Speaker 5: spend our money is not for the right things, so
Speaker 5: when things do happen, we're ill prepared.
Speaker 1: So let me ask you this. To get a life
Speaker 1: insurance policy, do you have to go get like a
Speaker 1: physical examination to see like what your health is in
Speaker 1: order to be eligible.
Speaker 4: Well, that actually depends on the amount that you want.
Speaker 2: It also depends on your health. So some policies are.
Speaker 5: Guaranteed issue, which means you don't have to go through
Speaker 5: a health exam. You just have to pass the underwriting
Speaker 5: questions or whatever they may be. When you start getting
Speaker 5: over a certain dollar amount, like one hundred thousand, then
Speaker 5: they become more underwriting questions.
Speaker 4: And I know in our.
Speaker 5: Community we like say I just got a little bit
Speaker 5: of diabetes, a little bit of high blood pressure, right,
Speaker 5: But those are actually things that can knock you out
Speaker 5: or put you in a clause. And that clause could
Speaker 5: be two three years, but god forbid you had a
Speaker 5: heart attacking that two.
Speaker 2: Or three years.
Speaker 1: Then you don't get shit.
Speaker 4: You just getting the money you're paying into it.
Speaker 1: Okay, So and that could be very small. If you're
Speaker 1: saying it's something like twenty thirty dollars a month, yes,
Speaker 1: you're gonna check for four hundred dollars absolutely.
Speaker 2: So how do you determine what type of life insurance
Speaker 2: policy you need? So if I'm I'm thirty eight, right,
Speaker 2: no kids at my age, what type of policy would
Speaker 2: you suggest at your age?
Speaker 5: I absolutely suggest a whole life because it's affordable for you.
Speaker 5: So the problem that happens is, you know a lot
Speaker 5: of individuals start looking at these things at fifty wrong
Speaker 5: move right, that's absolutely the wrong move. Age is your
Speaker 5: benefit and with younger age, you also have better health,
Speaker 5: so you can get more coverage for cheaper cheaper, So
Speaker 5: whole life for sure. And then you also have to
Speaker 5: start thinking about like what's your like, what are you
Speaker 5: trying to cover in the event that I'm not here?
Speaker 5: So someone is self employed, has a business, you know,
Speaker 5: you should start the stack policies. And what I mean
Speaker 5: by stack policies you should always have like a whole
Speaker 5: life policy as a base, but then have a term
Speaker 5: life that's high limit over it, right, because.
Speaker 1: So explain that in a way. So tell people like
Speaker 1: what is a term life mean?
Speaker 4: Like sure, so let's go back.
Speaker 5: So term life policy is a life policy that expires
Speaker 5: after a certain amount of time, so it's ten, fifteen, twenty,
Speaker 5: twenty five years, right. But with those type of policies,
Speaker 5: they bet on your life expectancy, so most people outlive
Speaker 5: those policies.
Speaker 2: So if you've ever seen where your.
Speaker 5: Grandparents are to say, I had this policy but it
Speaker 5: didn't pay out and then they find out it's a
Speaker 5: term life. It happened a lot in the black community, right,
Speaker 5: So they had all this insurance and then they let
Speaker 5: us sit there for twenty thirty forty years. So when
Speaker 5: they go to pass away and I'm like, oh, they
Speaker 5: have this policy. They realize it's only term life, and
Speaker 5: term life policies are cheap, it's more economical, so yes,
Speaker 5: that's what the people go for. However, they never understand
Speaker 5: the fact that it's almost like a waste of money.
Speaker 2: So they pay into this thing the whole time, and
Speaker 2: then when you try to draw there's nothing there. It
Speaker 2: ends at a certain amount of time, Okay.
Speaker 1: So you have to pull it out when it ends, or.
Speaker 5: There's no value in a term life policy. So what
Speaker 5: I was saying about stacking benefits, right, So, say you
Speaker 5: have a young family. You know you need five hundred thousand.
Speaker 5: You know that you want to leave to your family
Speaker 5: any event that something happens between the age of thirty
Speaker 5: to fifty five, you can still have a whole life
Speaker 5: policy as a base and a certain amount maybe say
Speaker 5: one hundred thousand, But then you can get a higher
Speaker 5: level term life which.
Speaker 2: Is cheaper to carry for five hundred k.
Speaker 4: So saying that any event that I'm not here to
Speaker 4: take care of my kids schooling, or i need this
Speaker 4: mortgage to be paid off. If I'm not here, I
Speaker 4: don't want to leave it on my wife.
Speaker 5: That's what I mean by stacking policies because it's gonna expire.
Speaker 5: But what you want to do is be able to
Speaker 5: get any event that something happens in the age where
Speaker 5: you're gonna leave your family or a business you want
Speaker 5: to have both.
Speaker 2: Got in.
Speaker 1: I'm confused as fuck. So all right, the whole life
Speaker 1: policy is the policy that you were saying that you
Speaker 1: can pull out of, and it's kind of like almost
Speaker 1: like an investment. It's an investment, yes, right, But then
Speaker 1: the term life is the one that you would want
Speaker 1: to have just in case you die within that period.
Speaker 5: Yeah, so say, like your example, thirty will use this
Speaker 5: as we age, we know that you'd start to develop
Speaker 5: health issues. Right, So let's just say someone got diagnosed
Speaker 5: with cancer at forty five, right, they got two kids,
Speaker 5: ones in college, ones in high school, get married, have
Speaker 5: a brand new home. Say this person doesn't make it through. Right,
Speaker 5: That term life is actually good in that sense because
Speaker 5: a five hundred thousand dollars policy is very and so VIVI,
Speaker 5: it's a whole life. So it becomes about what you
Speaker 5: can actually.
Speaker 2: Your whole life. Right, So you that's older the longer
Speaker 2: you live it's good to have a whole life insurance
Speaker 2: as opposed to term well because it's shorter.
Speaker 1: Right, let me with the whole life.
Speaker 2: So let me get the whole life you have forty five,
Speaker 2: But it ain't that whole half, No guys, hold a wait,
Speaker 2: hold on, hold on, Let me explain, Let me explain,
Speaker 2: Let me clarify really quick. So what I'm saying is like,
Speaker 2: you should always have a whole life policy. Right. That's
Speaker 2: your cash, that's your equity, that's your asset. But to
Speaker 2: afford a five hundred k whole life policy, it's a
Speaker 2: few thousand a month. You have to be in a
Speaker 2: certain tax bracket for that. Most average folks cannot afford that, right.
Speaker 2: But what they can afford, maybe is one hundred thousand,
Speaker 2: one hundred and fifty thousand whole life policy that they'll
Speaker 2: that they can have there. But let's they have a
Speaker 2: three hundred thousand dollar home, right and they passed away
Speaker 2: at forty five. Somebody has to pay that off still, right.
Speaker 5: So and that's why you put that term life on top,
Speaker 5: because what it is doing is carrying your bigger assets
Speaker 5: or debts, let me say correctly, debts that you may
Speaker 5: have to pay right if you have medical expenses that
Speaker 5: need to be paid off in a certain amount and
Speaker 5: you pass away within that time frame.
Speaker 1: So if I die, knock on, would my debt don't
Speaker 1: die with me?
Speaker 2: Knock care bitch, I can do it.
Speaker 4: So for someone that's married, it doesn't. It goes to
Speaker 4: the spouse.
Speaker 2: Someone that's single, it is what it is.
Speaker 5: So that's why I said, especially when someone that's married
Speaker 5: with kids, you definitely want to put something over that
Speaker 5: because your spouse is now on.
Speaker 4: The hook for everything that happened to you.
Speaker 1: Right, Damn, that's crazy. Yeah, I didn't know that. Yeah,
Speaker 1: I saw a lady posting about a nigga who died
Speaker 1: and owe him fourth thou over four thousand dollars. Did
Speaker 1: y'all see that. It was circulating like she was mad
Speaker 1: about it.
Speaker 2: Now there is the state. Shit you might just put
Speaker 2: a lean against. She couldn't put a lean against the state.
Speaker 5: No, if there's no if there was no document that said, well.
Speaker 2: They had a document.
Speaker 1: Now this is a street nigga. She was like, give
Speaker 1: me some of that go fund me because I.
Speaker 2: Want my go get your money then, but I good
Speaker 2: gave me back in blood in the beginning, we were
Speaker 2: talking about how life insurance is not just for the dead,
Speaker 2: so we talked about the investment portion of it. What
Speaker 2: other benefits does life insurance provide.
Speaker 1: For the living?
Speaker 4: You can also again, and you can also borrow against.
Speaker 2: It aside from that. Yes, So those are the two
Speaker 2: biggest leverages.
Speaker 5: It's just a financial tool in general, because when you
Speaker 5: think about, like right now, if you had to go borrow,
Speaker 5: go to the bank to borrow ten thousand dollars, you
Speaker 5: have to be at a certain tax bracket or monthly
Speaker 5: income for that at a maybe twenty five, twenty four,
Speaker 5: seventeen percent interest rate. I mean, it almost becomes a
Speaker 5: financial burden to even do that, even if you needed
Speaker 5: the money.
Speaker 1: Right but say.
Speaker 5: You had, you know, a life insurance, you can borrow
Speaker 5: that money from it, and the interest that's on it
Speaker 5: is like very minimal, like point zero one percent. It
Speaker 5: doesn't do anything, and every time you make a payment,
Speaker 5: it's putting the money back into it. And it's something
Speaker 5: that you're going to maintain naturally because you want to
Speaker 5: have it. So it's just a it's a leverage tool
Speaker 5: in all ways. If you can afford it to have
Speaker 5: a whole life policy just as that backup do a.
Speaker 4: Lot with it.
Speaker 1: So as let's say it's a listener and they're like,
Speaker 1: I wouldn't even know the first place to go to
Speaker 1: get a life insurance policy. What would they need to do? Like,
Speaker 1: how would they go navigate? That?
Speaker 4: Man?
Speaker 5: Well, how it depends, right, because everybody's of different health
Speaker 5: and different different means, like monetarily, right, So you should
Speaker 5: do your research.
Speaker 4: Right.
Speaker 5: Unfortunately, somebody that does have presisting conditions, just know you're
Speaker 5: about to pay more.
Speaker 2: Right, what if your health changes after you get the policy,
Speaker 2: doesn't matter.
Speaker 4: That doesn't matter.
Speaker 5: But if you're coming in with pre existing conditions, you
Speaker 5: are absolutely gonna pay more, no matter your age bracket.
Speaker 5: So say, for example, you're in your thirties and you
Speaker 5: have pre existing conditions. This person that's healthy at thirties
Speaker 5: might pay twenty dollars, you might pay sixty. That's just
Speaker 5: how it goes. And typically that's going to have a clause,
Speaker 5: so god forbid if you pass within that clause, again,
Speaker 5: it's probably not going to be payable.
Speaker 4: So you just have to do your research. You also, too,
Speaker 4: you want to make sure that you know if you're
Speaker 4: gone what you want to have paid off and what
Speaker 4: you want to do with that money, because then you
Speaker 4: can say, I need this amount of money that I
Speaker 4: want to leave to cover me if I'm not here.
Speaker 2: I'm so grateful for my mom because she is like
Speaker 2: one of them people. She got like a Manila folder
Speaker 2: with her policies, where the money at how she wanted,
Speaker 2: like she already got her plots, all that stuff. One
Speaker 2: of my best friends just lost her mom and her
Speaker 2: sister are having to cover the cost of her mom's funeral,
Speaker 2: which you know and debth and death. I don't want
Speaker 2: to be a burden to anybody.
Speaker 5: Nobody wants that burden. But again a lot of people
Speaker 5: in our community are faced with that. And you see
Speaker 5: gofundmes and these different fundraisers, the church plates on the
Speaker 5: corner because Bobby just died, And again it just goes
Speaker 5: back to that we just don't spend our money in
Speaker 5: the right way.
Speaker 4: You know.
Speaker 5: We'll go to the bar by one hundred dollars worth
Speaker 5: of drinks and still ain't got no life insurance, you know,
Speaker 5: or health insurance for that matter.
Speaker 1: What is death insurance, because that's.
Speaker 5: The thing too, right, it's burial funeral, burial insurance which
Speaker 5: is still another form of life insurance, but it's just
Speaker 5: only goes up to a certain amount, like fifty thousand,
Speaker 5: and as you age, that's the things that become only
Speaker 5: available for people if they didn't get it when they
Speaker 5: were young. They will only be able to get over
Speaker 5: a certain amount, maybe forty thousand and fifty thousand at
Speaker 5: the max. You know, I talked about I wanted to
Speaker 5: It's not really a company because I don't even know
Speaker 5: if it's legal or not, but door to door in
Speaker 5: the hood, like hey, like, can I put life insurance
Speaker 5: on your son? I'll pay the premium and bust it
Speaker 5: down the middle when.
Speaker 2: He dies, you know what I'm saying. Like, you know,
Speaker 2: but I think the problem would come in because it's
Speaker 2: coming in families, right. One person's paying a policy and
Speaker 2: everybody wanting what the money at when this person died?
Speaker 4: Did you help pay that policy at all?
Speaker 2: Why are you concerned about what they're doing with the
Speaker 2: money if you didn't help pay the policy?
Speaker 4: Correct?
Speaker 5: But you know, I think that when people die, you're
Speaker 5: I think it's just a poor feeling that people have
Speaker 5: in general that you should get something.
Speaker 4: Now this person's not here.
Speaker 2: Right, so I want to assure that the niggas in
Speaker 2: the hood kids are being taken care of and somebody's
Speaker 2: benefiting from your death. You're dying at thirty years old
Speaker 2: and no life insurance, but you got all these kids
Speaker 2: out here, and then somebody has to do GoFundMe or whatever.
Speaker 2: But what if there was someone? I feel like white
Speaker 2: people do that all the time. Remember those two old ladies.
Speaker 2: So let me killing homeless men. Let me tell you why.
Speaker 1: I remember, I don't want to kill him.
Speaker 2: I mean, pook, you gonna do well?
Speaker 5: I think it was something on Netflix about that. But
Speaker 5: let me tell you why that's illegal. Because it's about
Speaker 5: insurable interests, right, So like.
Speaker 4: I don't know these niggas.
Speaker 2: Yeah, if you don't know these niggas, then they were
Speaker 2: like you don't know these niggas, Like I seen you.
Speaker 5: I paid into the pos matter. It's all about an
Speaker 5: insurable interest, right. So let me give you examples of
Speaker 5: people that you have in shurable interests on. You would
Speaker 5: have insurable interest on your mom. You're her daughter, right,
Speaker 5: you and Tammy actually having shurable interests on each other
Speaker 5: because you guys have a business together.
Speaker 2: Right.
Speaker 4: Let me tell you who you don't have insurable interests
Speaker 4: over nobody else in here, right, nobody else in here.
Speaker 2: It's my friend. He signed it. He let me sign
Speaker 2: it up. Like why not. Watch he can do the policy.
Speaker 5: He can do the policy and leave you as a beneficiary.
Speaker 5: But you cannot sign him up for a policy.
Speaker 4: It's illegal.
Speaker 2: It's about what about with him knowing I can do it? Right? No, No,
Speaker 2: it's all about in.
Speaker 1: So what about like these record labels, Like there's all
Speaker 1: these stories about record labels, like.
Speaker 5: That's the Gucci Man story, right, Yeah, and they said
Speaker 5: there was a life policy somewhere of a certain amount.
Speaker 4: Everybody was mad. The reason why he could do that,
Speaker 4: or even young Dolf, right, But the reason why Gucci
Speaker 4: Man could do that because again it goes back to
Speaker 4: the conversation, we're just having it's insurable interest. Now I
Speaker 4: have this artist is underneath me. I have invested in
Speaker 4: this person. This person is now my business.
Speaker 5: So if all the money I invest in this person,
Speaker 5: this person shall pass away before I cool my advances.
Speaker 1: Then But wouldn't it be like a scheme to, you know,
Speaker 1: get these rappers who have like a like a dark
Speaker 1: sound and get insurance policy on them, put their music
Speaker 1: out for a year and then get them killed so
Speaker 1: you can get insurance for the money.
Speaker 5: I mean, it could be, but you know I wasn't.
Speaker 5: I'm not thinking that far. But you know, if we're
Speaker 5: gonna be honest, you know who are.
Speaker 1: Who are thinking who's it is? But you know who
Speaker 1: is thinking that far?
Speaker 2: These motherfuckers right here, they way more cerebral than us.
Speaker 2: So anything they do they really using their mind. Okay,
Speaker 2: when Alia died, they said her uncle like had some
Speaker 2: crazy ass policy on her when she's out of that
Speaker 2: plane because she's a business.
Speaker 5: Because again, but again again, these artists are become a business,
Speaker 5: right and so that's how Gucci man, I think that
Speaker 5: I don't know the boy named that just die can't
Speaker 5: remember he was able to do that because this person
Speaker 5: is now a business.
Speaker 4: It's for him.
Speaker 2: But that they may not know absolutely yes, So okay,
Speaker 2: so if it's ensurable interest, and you can write it
Speaker 2: into a contract without the person knowing, they.
Speaker 5: Have to have lawyers to vet these things. And if
Speaker 5: you're signing something without vetting it. And again it makes
Speaker 5: sense if I just invested one hundred thousand dollars in
Speaker 5: you and you die, and you die, I'm going with
Speaker 5: wherever that debt comes from, Like, I'm still responsible for it,
Speaker 5: so yes, I should have something that protects me in
Speaker 5: the in that event, it makes sense.
Speaker 2: Yeah, absolutely it does. It does.
Speaker 1: But it's just crazy. You can see how I could
Speaker 1: be a scam though.
Speaker 2: One exactly in one Regulabel in particular, which people say
Speaker 2: is not a regulator. It's just they have partnerships with
Speaker 2: these people. But Empire Records is one of those places
Speaker 2: where there's been so many different artists that have passed away.
Speaker 2: Who's on Empire Records.
Speaker 4: I don't know.
Speaker 2: Dolph is on there. Yeah, a few of them that
Speaker 2: have passed away.
Speaker 1: We're all on.
Speaker 2: So it's supposedly supposedly a distribution company, but they also
Speaker 2: have record deals with people. Right, So I'm giving you
Speaker 2: upfront money, right, and something happens to you, my life
Speaker 2: insurance policy on you is bigger than the money I
Speaker 2: gave you. Why not get you to because you gotta
Speaker 2: think like they also, yes, I gave you this amount,
Speaker 2: but I have to make a certain amount back, right,
Speaker 2: So they.
Speaker 5: Didn't just give these people money. They always gave them
Speaker 5: money with the intent of making a certain amount. So
Speaker 5: I'm sure those policies.
Speaker 4: Match whatever they said they were supposed to make back
Speaker 4: or expected to make back if things went well. So
Speaker 4: it makes again, it makes sense.
Speaker 1: But I could have I spent one hundred thousand, but
Speaker 1: I expect to make a million with ain't.
Speaker 2: Howgo and you didn't make me a million, so let
Speaker 2: me go ahead.
Speaker 5: And here, I mean, you know, I hate to say
Speaker 5: it like that, but sorry that somebody passed away.
Speaker 4: But there's still expectations on other side of that.
Speaker 1: So fortunately, yeah, can we get into health insurance?
Speaker 4: Yes?
Speaker 2: Please go on, because I paid seven dollars a month,
Speaker 2: and don't be hating. I want to talk.
Speaker 1: I want to Obamacare. Yeah, so weaven Obamacare. So there
Speaker 1: were a lot of people like upset when Obamacare came
Speaker 1: out and they felt like it was like a problem
Speaker 1: for our American economy for that to happen. What are
Speaker 1: your thoughts on Affordable Health Care Act?
Speaker 5: I think it's a great thing because if you guys
Speaker 5: remember some of you guys remember over a little bit
Speaker 5: over ten years ago, if you had presistant conditions, you
Speaker 5: didn't qualify for health insurance, right, so all these people
Speaker 5: with chronic illnesses like MS, you know, for example, or
Speaker 5: loopis God forbid, you got diagnosed with cancer, you were
Speaker 5: now unensurable for health care. That's the biggest deal about
Speaker 5: the Affordable Care Act. It gave the opportunity for individuals
Speaker 5: to have insurance that actually needed the care.
Speaker 4: M Yeah. You know.
Speaker 5: Unfortunately, my mom she passed away before there was anything
Speaker 5: like that, and she had a heart condition. She did
Speaker 5: not qualify for health insurance, so everything was out of pocket.
Speaker 5: So being in that type of situation and seeing s
Speaker 5: f firsthand somebody who could have benefited from that because
Speaker 5: she couldn't even afford the prescriptions there were like a
Speaker 5: hundred dollars a month.
Speaker 2: You know, or more with four kids. Four kids, Yeah,
Speaker 2: that's unfortunate. Yeah, I I mean, I agree that most countries,
Speaker 2: you know, people act like America's just such this great place.
Speaker 2: You know, in other countries, you got eighteen year olds
Speaker 2: at ride Rod and Lambow's. That's just regular day to
Speaker 2: day business for them. America is not that fucking great.
Speaker 2: We do not have universal health care. Oh, we do
Speaker 2: have Obama Care now or what is the it's called
Speaker 2: the Affordable Care Affordable Care Act. So the only thing
Speaker 2: I didn't like about the Affordable Care Act is where
Speaker 2: you were penalized for uh, for not having insurance in
Speaker 2: your taxes like you had to file.
Speaker 5: Because it was forcing people to do something for themselves
Speaker 5: because and the reason why is preventive health. Some of
Speaker 5: those plans were not affordable. Now it's not affordable, right,
Speaker 5: but go ahead and thank your former president for that.
Speaker 4: He broke a tax law.
Speaker 5: And so the insurance companies because they're having a higher
Speaker 5: risk rate and they have to up the money where
Speaker 5: they're getting it from because now they have to ensure
Speaker 5: these people. Before they would just deny them no cancer
Speaker 5: treatment for you, right, So they still have to recoup
Speaker 5: the money for spending on all these people that have
Speaker 5: different conditions.
Speaker 4: You know a lot of our people have diabetes, right.
Speaker 5: That's a very expensive disease, and they have to cover
Speaker 5: these people when they did not have to do that. So,
Speaker 5: I mean it makes sense. But you know, even though
Speaker 5: given an example of my father, right he was under
Speaker 5: the ACA, his job didn't have insurance and anyway he
Speaker 5: went into the hospital for or whatever, his AD was
Speaker 5: twenty five hundred. He hit the deductible, but the bill
Speaker 5: was almost forty thousand. The only thing he was required
Speaker 5: to pay was the twenty five hundred deductible, it has
Speaker 5: a benefit, and everything after that was paid for one
Speaker 5: hundred percent underneath the Affordable Care Act. So absolutely it's great,
Speaker 5: right because the number one debt that most of us
Speaker 5: carry is a medical debt. It's not from credit cards,
Speaker 5: it's not from car notes, it's not from homes the
Speaker 5: student loans. It's actually medical debt. So this is helping
Speaker 5: people not get into medical debt.
Speaker 2: I feel like as a whole, it's medical tyranty anyway.
Speaker 2: It's just like the doctor's office. The hospitals are overcharging
Speaker 2: insurance companies, so that's driving rates up and stuff like that,
Speaker 2: like the amount you pay for health care in America.
Speaker 2: Just like a simple procedure, you can go to another
Speaker 2: country and get the same procedure at half the price.
Speaker 2: What will it be quality of care?
Speaker 1: Yeah, And I'll speak to that because when I was
Speaker 1: living in England's when I got diagnosed with my MS
Speaker 1: and I was in the hospital there for two weeks
Speaker 1: and it's free, but baby, that shit feel every bit
Speaker 1: of free. I was ready to come home and just
Speaker 1: take my chances there because they was feeding me the
Speaker 1: rice Chrispy trees. Here here, in the morning. But no, right,
Speaker 1: it wasn't the treats.
Speaker 2: It was just a little bitch. I was like, give
Speaker 2: me the fuck out.
Speaker 1: It's just like the dry little rice pieces with like
Speaker 1: some water milk. I was like, is this breakfast? Is
Speaker 1: there no eggs and bacon in this motherfucker like it?
Speaker 1: And then it was like literally six of us, six
Speaker 1: beds lined up on one side and six beds lined
Speaker 1: up on the other side, and we're all in the
Speaker 1: same room. And there was there was a woman across
Speaker 1: from me. It was an all white lady, and she
Speaker 1: said her name was Miss Showing and I was miss Bowing.
Speaker 1: So every now when they were coming in and hollering
Speaker 1: at people, she would be screaming for my medication and
Speaker 1: I'd be like, that's my mad stop. She's like, I'm
Speaker 1: the white one. But and then people would be in
Speaker 1: there moaning night. It was just a miserable experience. And
Speaker 1: I think it's because it's free, So it is we
Speaker 1: got to find a balance, you know.
Speaker 5: I think, you know, from a professional lens, I think
Speaker 5: there is a balance. I think people just make poor
Speaker 5: choices with the health insurance that they choose, right, So
Speaker 5: like it's confusing, right, it's meant to be sometimes. No,
Speaker 5: think about what you need, right, think about where you
Speaker 5: are with your health with if something happened to you,
Speaker 5: what you were comfortable paying for, like really think about
Speaker 5: it before you go. Just sign up for a plan
Speaker 5: because it's seven dollars, because.
Speaker 2: You know, I know that's typically the bottom level bronze plan.
Speaker 2: It got a ten thousand dollars deductible. Can you really
Speaker 2: afford log? And can you really afford to pay that
Speaker 2: if something happens? No? And ten thousand dollars.
Speaker 1: A long way.
Speaker 2: If it's like what if?
Speaker 4: Yeah, right, listen, you pay for the car insurance each
Speaker 4: month for years on a what if?
Speaker 2: You don't question it? It's the same thing, can you not?
Speaker 4: Okay?
Speaker 2: Just like anything else, any other debt.
Speaker 4: I feel like.
Speaker 2: Everything in life is negotiable, right, So yes, I go
Speaker 2: to the doctor, I get this crazy ass bill. I
Speaker 2: can't call and negotiate this debt with the insurance company,
Speaker 2: I mean not insurance company, but with the hospital because
Speaker 2: I know they literally I know I have some MD friends, right,
Speaker 2: and they tell me they overcharge and then they negotiated
Speaker 2: with the insurance company. They do, but then that has
Speaker 2: paid out of pocket, but that's on you. Like so
Speaker 2: for example I did that before, you know where my
Speaker 2: insurance was not worth me filing it because I would
Speaker 2: pay more money, Like I could pay fifty dollars every
Speaker 2: time I can't win, or I could pay a battery
Speaker 2: of test and it cost me seven hundred underneath my insurance.
Speaker 2: Sometimes you just got to ask more questions, right, you know,
Speaker 2: it's not always beneficial to foul certain things underneath your
Speaker 2: health insurance.
Speaker 4: If you have the cash to pay for it.
Speaker 2: Right.
Speaker 5: But you also, again going back to what I'm saying,
Speaker 5: instead of taking a cheap route, get you a quality
Speaker 5: plan that may cost you a little bit more money.
Speaker 5: And you know, yes, you might have a thousand dollars
Speaker 5: two thousand dollars deductible, but that'll go quick. You don't
Speaker 5: want to be in a money pit of something that
Speaker 5: a ten thousand dollars deductible. God forbid, that's surgeries, that's
Speaker 5: days in the hospital. You know, that's prescriptions and you
Speaker 5: still might not hit it, and you gotta start over
Speaker 5: each year on that. It's just not worth it. So
Speaker 5: you should always think about that, weighing the benefits are
Speaker 5: paying a little bit more, but paying a little bit
Speaker 5: less on the back end.
Speaker 4: And I think that's where people mess up.
Speaker 1: What is supplemental insurance.
Speaker 5: Supplemental insurance is everything else is what I call it.
Speaker 5: It's all your living benefits, right, so it's things.
Speaker 4: That pay you while you're here.
Speaker 5: So it's more of like, you know, God forbid you
Speaker 5: got diagnosed with a major condition, say for example, you
Speaker 5: had a heart attack. You know, it might pay twenty
Speaker 5: thousand dollars thirty thousand dollars to you directly. And most
Speaker 5: of these people they're eventually gonna go back to work, right,
Speaker 5: but it helps cover medical expenses, it can go towards mortgages, rents,
Speaker 5: your daily expenses until you're.
Speaker 4: Able to go back.
Speaker 5: A lot of people that you know, have things happen,
Speaker 5: do not have the appropriate savings to cover themselves.
Speaker 1: So the FLAC insurance policy that got me to get
Speaker 1: it is.
Speaker 4: A form of supplemental insurances.
Speaker 5: They have different types, so they have, you know, accidental coverage,
Speaker 5: which will cover somebody if they're injured on or off
Speaker 5: the job. Typically those covers, those coverages also have an
Speaker 5: accidental death benefit in it as well, so if someone
Speaker 5: died from an injury that money isn't built into that
Speaker 5: type of policy. You know, they got cancer coverages, so
Speaker 5: god forbid someone got diagnosed with cancer. You can be
Speaker 5: paid out for the treatments, for being diagnosed, everything like that.
Speaker 1: So cancer coverage you would get that after you get cancer.
Speaker 1: The condition conversations wearing to be like, hey, I'm gonna
Speaker 1: get cancer coverage just in case. That's kind of where
Speaker 1: Why is it?
Speaker 2: Why does that even exist in America? I understand why. Okay,
Speaker 2: so I understand why exists because obviously people get cancer, right,
Speaker 2: but could you imagine them creating these cancers to then
Speaker 2: have to get insurance for it.
Speaker 4: It's just really weird. You don't have to, but if
Speaker 4: you're smart, you would because.
Speaker 1: You feel like all of us should just have coverage.
Speaker 5: Absolutely, I have one. I don't have cancer history in
Speaker 5: my family right, but being in the field that I am,
Speaker 5: I'm telling you guys, it's simple. As I went to
Speaker 5: a doctor to go get my regular mammoground, you're doing
Speaker 5: something that you would have done every time they're like, ah,
Speaker 5: wes see something here. You need to get into other testing.
Speaker 5: You get diagnosed that quick, you're not thinking of it.
Speaker 5: Somebody that had a heart attack. Didn't I think they
Speaker 5: was going to have a heart attack in the day
Speaker 5: that they had the heart attack. You know, you don't
Speaker 5: know what's gonna happen.
Speaker 2: That's manifested some bullshit. I don't want it or or
Speaker 2: or it's being prevented here and yet and it's preparing
Speaker 2: yourself for whatever it may come your way.
Speaker 4: Again, we just don't know what it is vegan way,
Speaker 4: You don't. You don't know where it.
Speaker 2: Is because there's a food that's causing people to have.
Speaker 4: But we can say that, but then you can think
Speaker 4: about all the buildings that had the best deciding that
Speaker 4: we were in.
Speaker 2: The best those bestest.
Speaker 5: I can't say, but that you know, I went to,
Speaker 5: you know, the university I went to had you know, uh,
Speaker 5: the classrooms.
Speaker 2: The classrooms were the best in it.
Speaker 4: And guess what they want to cut on the A C.
Speaker 4: But we were still in those classrooms and you know
Speaker 4: that's school probably, But I improve.
Speaker 5: Class action is good and everything, but I got to
Speaker 5: get through this cancer treatment hopefully to make it to
Speaker 5: the class action suit. You know, like this life is
Speaker 5: fucking stressful, it is, but you know, it's just being
Speaker 5: preventive and to be quite honest. Like, the more I'm
Speaker 5: in this business, younger people are getting diagnosed thirties, thirties, twenties, passing.
Speaker 2: A wet year alone. I know so many people, and
Speaker 2: I don't know. If I don't know, isn't normal? Could
Speaker 2: because we are getting old, right, but I just feel
Speaker 2: like dying in your forties. It's fucking weird. How many
Speaker 2: people are dropping dead from strokes, heart attacks?
Speaker 4: What they say, we live differently than our parents did,
Speaker 4: so we actually.
Speaker 1: Do more walk enough, We're probably under more stress.
Speaker 4: We do more at risk behaviors as well, yep, than
Speaker 4: our parents did.
Speaker 2: Who thought that was smoking crack? Yeah, but they crack
Speaker 2: really didn't kill people. Yeah, it's just I know a
Speaker 2: lot of crack hands died. It just cancer, like they
Speaker 2: just ended up with cancer or something later on. But
Speaker 2: crack really didn't kill.
Speaker 4: Him, No, it wasn't. But so yeah, we're at more risks,
Speaker 4: you know.
Speaker 2: So now, meth your ass ain't living past thirty dollars
Speaker 2: whatever the age you start, you're gonna be dead in
Speaker 2: a few years. And I don't even know what that calls,
Speaker 2: but I don't want nothing. They started turning to a
Speaker 2: zombie after six months there's a folk if you go
Speaker 2: Google like before and after math. I remember I looked
Speaker 2: at this lady. They had like some pictures like this
Speaker 2: thing right here, like all her the progression m m,
Speaker 2: this ship is fucking wild. Like six months, you just
Speaker 2: start looking like somebody somebody different.
Speaker 1: It's a sad thing. Well, they got a lot.
Speaker 4: Of chemicals in it, like.
Speaker 1: Po HMO.
Speaker 5: Plans require you to stay in network, so everywhere that
Speaker 5: you go it has to be referred. So typically your
Speaker 5: referral comes from your primary care physician and then they'll
Speaker 5: refer you if you need to go see whatever specialists
Speaker 5: or testing.
Speaker 4: It's referral based.
Speaker 5: But typically that's a cheaper plan because you don't have
Speaker 5: as much freedom just to go where you want to go,
Speaker 5: but it's still a good plan.
Speaker 1: And then.
Speaker 4: It gives you freedom of choice if you want to
Speaker 4: go in yes, typically.
Speaker 5: Lets you go in network, our network on your own whim.
Speaker 5: But typically when you go out a network, still you're
Speaker 5: gonna pay more money. But it just gives you freedom
Speaker 5: of choice. So say there's a place that you want
Speaker 5: to go that may not be in your state or whatever.
Speaker 5: It just gives you freedom of choice for the care
Speaker 5: that you want.
Speaker 1: I feel like Loki sad right now. I don't know.
Speaker 1: I guess it just I mean, it's important, but it
Speaker 1: just makes you so aware of your own mortality. When
Speaker 1: you think about.
Speaker 5: These things, or if you think about it the right way,
Speaker 5: it makes you want to be as preventive as possible.
Speaker 5: You know, for me, I'm so comfortable with this conversation
Speaker 5: because I know at this point that I have what
Speaker 5: I need. If something happens to me, I'm not a
Speaker 5: debt or burdens to anybody else, whether I'm here or
Speaker 5: not here.
Speaker 4: And that makes me feel good.
Speaker 5: It makes me feel like I did something right, and
Speaker 5: I did something that my parents didn't do right. And
Speaker 5: you know, that's the enjoyable part about being in this field.
Speaker 5: When someone walks away and says, you made me this
Speaker 5: so easy. You know, I was just so scared of insurance.
Speaker 5: I was so scared of this conversation, and you made
Speaker 5: it so easy. That's the joyful part of it.
Speaker 1: So with that being said, how can people like who's
Speaker 1: listening like reach out to you, like they need a liaison,
Speaker 1: they need someone to get information from. How can they
Speaker 1: contact you so you can help them further?
Speaker 5: Sure reach out to me on my IG shannee Rockett
Speaker 5: s H A W N I E R O C
Speaker 5: K E T DM me. I'm always open to answer
Speaker 5: your questions if you have concerns. I'm also licensed in
Speaker 5: thirty five states. I can help you just about wherever
Speaker 5: you are, even if it's just simple questions. Right, help
Speaker 5: you or your family navigate wherever you guys are trying
Speaker 5: to go. The biggest takeaway I want you guys have
Speaker 5: is just be prepared.
Speaker 1: Right.
Speaker 5: We spend money in all kinds of ways. We travel
Speaker 5: as much as we want to, and take one hundred
Speaker 5: dollars a month and just break it up and get
Speaker 5: you a few extra policies sold on.
Speaker 1: You can get a few policies with a.
Speaker 5: Yeah, I got a cancer policy, an accident on policy,
Speaker 5: a critical owns policy, and I'll pay about ninety eight
Speaker 5: dollars a month.
Speaker 1: Mm. See that's not yeah, that's affordable.
Speaker 2: I'm well.
Speaker 4: Insurance is insurance.
Speaker 5: However, there are better companies than the other own pain
Speaker 5: on their insurances. So like you always want to go
Speaker 5: with something that's reputable. So I'm licensed with a flax.
Speaker 5: So that's who I.
Speaker 1: That's all she's gonna say. Because that's who pay her text,
Speaker 1: so don't ask her a value.
Speaker 5: Well, aflic that's a good one. But you know a
Speaker 5: lot of people in Georgia have because the home office
Speaker 5: is here. So it's very common in this state for
Speaker 5: a flag, right, But there's other brands, like if you're
Speaker 5: looking for life insurance, like met Life, they're very reputable.
Speaker 5: You'll be surprised that State Farm is very competitive on
Speaker 5: life insurance as well. That's who I got mine from, right,
Speaker 5: So just do your research, right, and that's what I'm saying.
Speaker 5: There also are exchanges.
Speaker 4: Right where they'll be broker or brokers for multiple carriers.
Speaker 2: Yeah, so you can kind of to shop around. It
Speaker 2: look like they're all the same because even with the
Speaker 2: help with the car insurance, like you go through one
Speaker 2: company like I went through I had Geicode, but somehow
Speaker 2: I was talking to Progressive. They're beause because you're like
Speaker 2: a broker basically is a broker.
Speaker 4: Yeah, you don't tell me so because I ain't know.
Speaker 4: I didn't know that.
Speaker 5: Yeah, Well, State Farm always runs on its own though
Speaker 5: they they just work differently, but.
Speaker 4: They actually got like life insurance and stuff like.
Speaker 5: Competitive rates, good policies like I thought I was gonna
Speaker 5: go with Met Life, and I called a State Farm
Speaker 5: and I was like just talking to I'm like, oh,
Speaker 5: we got life insurance. I was like, oh you do,
Speaker 5: and come to find out it was actually cheaper than
Speaker 5: Met Life.
Speaker 1: I wonder if we can get a state Farm discount
Speaker 1: since we've been doing commercials.
Speaker 2: For that right period. Discount is your age.
Speaker 1: Baby, The discount is your age, So start down, especially
Speaker 1: if you're younger, get it.
Speaker 2: Get it as please. This is the message.
Speaker 5: If you're young, if you're healthy, don't wait, do not wait.
Speaker 5: This is absolute the best time to do it, and
Speaker 5: thank me later. Period y'all.
Speaker 1: Hurry up, hold on. So we talked about that. That
Speaker 1: was good information. I'm sure people really enjoy this episode
Speaker 1: because they got you dropped some jewels for them and
Speaker 1: for me. I need to add some more policies to
Speaker 1: I have a few. Let me tell y'all. When I
Speaker 1: bought that policy from her, I just bought it on
Speaker 1: like she would.
Speaker 2: I say, I need one more selle to make this money.
Speaker 2: She's like, I got you.
Speaker 1: Yeah, that's how it really even about my health. And
Speaker 1: I've been paying.
Speaker 2: It for years now, about three or.
Speaker 1: Four years now. But I mean, I now I feel
Speaker 1: like I need to add more at that information, and
Speaker 1: I know it's gonna be probably more. It's probably gonna
Speaker 1: be double for me, you know, No, with me having
Speaker 1: a pre existing condition, it might be a little.
Speaker 5: Bit more sometimes, but it depends on the underwriting, right,
Speaker 5: And that sometimes means why I say, you gotta do
Speaker 5: your research because some policies may ask a question that
Speaker 5: another one won't right. So you know, I know how
Speaker 5: to navigate, Like I wouldn't put somebody in a policy
Speaker 5: for twenty thousand dollars and I know they asked, did
Speaker 5: you just take chemotherapy? But I know I got this
Speaker 5: other one for ten thousand that don't ask right.
Speaker 1: So well, I'm gonna get with you so you can
Speaker 1: hook it up, you know, yea get it together. This
Speaker 1: episode would not be right if we didn't get a
Speaker 1: dumb bitch story from you. You know, we gotta get
Speaker 1: a dumb You thought it was just gonna be help
Speaker 1: caring insurance. Did you know we need to d me
Speaker 1: story for you dumb bitch stories because we've all been
Speaker 1: a dumb bitch at least once or twice.
Speaker 2: My god, y'allsch Harry up okay.
Speaker 4: So I was talking to this guy.
Speaker 2: They always talk talking to some guy. Go ahead. I
Speaker 2: was talking to this guy and he said, hey, come
Speaker 2: up here to see me. I said, okay, were.
Speaker 1: Is up here? Oh? You don't have to tell us.
Speaker 4: It's not lived in.
Speaker 5: So I went up there to see him, and he
Speaker 5: didn't answer the door.
Speaker 1: He left you outside outside.
Speaker 2: Wait a minute, okay, so how far did you travel?
Speaker 2: You have to tell us where, but how far did
Speaker 2: you travel? I drove?
Speaker 4: Okay, I drove?
Speaker 1: And how many hours? Was it?
Speaker 4: Six hours?
Speaker 1: Oh?
Speaker 2: Had you been with him before? Yes? And he told
Speaker 2: you to come up, that you plan to come, asking
Speaker 2: you to come.
Speaker 4: I don't just go anywhere. We don't do that. We
Speaker 4: were never that pressed, okay, right.
Speaker 2: Period, We were like, it's two of them talk about
Speaker 2: me a third person. I was never that pressed.
Speaker 4: But yes, did I answer the door?
Speaker 1: Did you kick the door in?
Speaker 2: I left a footprint on it. I was trying to
Speaker 2: get it down. Did y'all talk after that? At any point?
Speaker 2: Did he hit you up?
Speaker 1: No?
Speaker 5: He came and met me and was like, God, long
Speaker 5: story short, had a girl there. At some point it
Speaker 5: was just trash.
Speaker 4: He went out. I guess he wants have brought it
Speaker 4: back and forgot and got.
Speaker 1: Drawnk Like he what time you were going to get there?
Speaker 2: Yeah?
Speaker 1: Yeah, I remember that. Yo.
Speaker 4: That was the most tragic stuff in my life.
Speaker 2: I said, ooh, girl, it ain't never been like played
Speaker 2: with like that. No, but that don't make you really
Speaker 2: a dumb bitch, Like he's stupid, way y'all go, I'm dumb,
Speaker 2: but I came on there.
Speaker 4: On my like my gas, my money, my car, my hours, Like, yo, No,
Speaker 4: that's pretty stupid.
Speaker 1: So but you know what, a lot of the dumb
Speaker 1: stories don't always make us the dumb bitch. It always
Speaker 1: typically be the other person in the story as well.
Speaker 1: In the story, I guess you continue to funk with him.
Speaker 2: A little while. See that be the part, right, It'd
Speaker 2: be the aftermath that make you the dumb bitch, Cause
Speaker 2: it's cool to be stupid, right, But when you become
Speaker 2: a habitual bitch, when you just keep going with the ship, now,
Speaker 2: that's when, Yeah, this was a little while longer and
Speaker 2: I let him rise. We got to add that on.
Speaker 2: So how long did you continue to do this bitch? Ship?
Speaker 2: A month or two after he was counting?
Speaker 4: Yeah, I look back at that time of.
Speaker 2: My life, figures old life, Okay, out.
Speaker 1: Of the woods.
Speaker 2: Saw you got me? You wouldn't prepare for that.
Speaker 1: That's so funny because I told her like, all right,
Speaker 1: this is what we're gonna talk about. But I never
Speaker 1: but you had to know that it was cooming.
Speaker 2: You had to. No, I didn't think I was gonna
Speaker 2: have to provide that story. That's a good one. That's
Speaker 2: a little easy one. I feel like we can get
Speaker 2: another good one at you, though. That was by far
Speaker 2: my most embarrassing one, y'all because I was like, ain't
Speaker 2: nobody seen you though? Who knows? Everybody knows, bitch, Oh
Speaker 2: my goodness, Oh my goodness, Yeah, everybody know.
Speaker 4: Now, don't judge me.
Speaker 2: Y'all. Get the cash, app ladies, get the gas money
Speaker 2: up front, right.
Speaker 1: Well, Aaron, I really appreciate you. This was very last minute,
Speaker 1: but this was a great episode. So thank you for
Speaker 1: coming on with us.
Speaker 2: I really you're welcome health care life care in here.
Speaker 1: Yeah. See look dropping little cards.
Speaker 2: I don't radual business card again.
Speaker 4: My I g is Shawnee Rocket So s H A
Speaker 4: W N I E R O.
Speaker 1: C K E T.
Speaker 2: DMS like that should be we should do a challenge.
Speaker 2: We should do a life insurance challenge for the month
Speaker 2: of May. What for real? Get your stuff to get
Speaker 2: your stuff together right right, get.
Speaker 1: Your ship together.
Speaker 2: Well, we're about to run your check up for the
Speaker 2: month of man we need ten percent, bitch.
Speaker 1: Illegal, But ultimately we want to help people, you know, yeah,
Speaker 1: for sure, make sure sure people are on the right
Speaker 1: end of that. Because I ain't got no more go
Speaker 1: for me money for y'all. I really don't.
Speaker 2: I've never been. I don't never donate to go fund
Speaker 2: me any more ever since when I had the leader
Speaker 2: the old lady to living with me, paying for somebody
Speaker 2: to living with me out of my fucking pocket for
Speaker 2: over year, and I put up a goalfund me and
Speaker 2: get how much money? I got two hundred and fifty
Speaker 2: one dollars and I gave it to her for her birthday.
Speaker 2: But my thing is, bitches could put up a goalfund
Speaker 2: me because you went to I don't know, Memorial Weekend
Speaker 2: with no fucking money and got stranded, and people donate
Speaker 2: into that stupid shit. But I can't find housing for
Speaker 2: one little old lady, So I don't fuck with people
Speaker 2: go fund me, So maybe fuck y'all which y'all go
Speaker 2: get a little bitter. You probably should, I am. I
Speaker 2: know you have a way about that because people.
Speaker 1: Maybe because I went to bullshit. You donated to that
Speaker 1: goal fund me, So it's crazy that you only got
Speaker 1: two hundred and fifty one dollars because I think I
Speaker 1: gave it at least fifty myself.
Speaker 2: That's it.
Speaker 1: So we paying to bullshit.
Speaker 2: You see example, But you see that fifty dollars could
Speaker 2: have done.
Speaker 4: You would have had a policy.
Speaker 2: Well, you know, I wanted to put life insurance on her,
Speaker 2: but she was I waited long and I probably didn't
Speaker 2: have what is it called enshoreable interest on her because
Speaker 2: she wasn't a family member. She was a stranger I met.
Speaker 2: But I wanted to try to get like a burial
Speaker 2: And this bitch is still out here. Let's be clear,
Speaker 2: she's still outside. And she's eighty six now though. Yeah,
Speaker 2: so she's eighty three when I moved here, and she.
Speaker 5: Could get a policy, but it won't be she'll get
Speaker 5: a burial bury on thousand, yeah, something small.
Speaker 2: I feel like people should get cremated if they don't
Speaker 2: have policies like and which is seven thousand, you're still
Speaker 2: going seven thousand for creep. Why can't why they can't
Speaker 2: burn people in the backyard.
Speaker 1: Staying to put you in the paren boxes for free thought.
Speaker 5: Matter of fact, they give you two hundred and fifty
Speaker 5: dollars a month. I mean two hundred and fifty dollars.
Speaker 5: If someone passed away without.
Speaker 2: So I can turn the body in for two fifty
Speaker 2: that's how much it's worth. Yes, girl, I mean, but
Speaker 2: it's not enjoy We're not going there, hit ship friend.
Speaker 1: Any time to start going to that dark place. I
Speaker 1: know it's time to.
Speaker 2: Allright, y'all, no bitch be getting this check look the
Speaker 2: dad check. If you guys enjoyed this episode, please tune
Speaker 2: in every Thursday on your iHeart Radio Apple where the
Speaker 2: fuck you get your podcast at. This is your co
Speaker 2: host AJ Holiday two point oh on Instagram. Y'all follow
Speaker 2: me down if you won't get on. What's up?
Speaker 1: Tam y'all was official? Tam maam. I love y'all. Thank
Speaker 1: y'all for tuning in. Remember speak now.
Speaker 2: And never hold your peace.
Speaker 1: Des