WEBVTT - Ep. 189 — Tiffany's Goal for The Big 4-0

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<v Speaker 1>Hey, hey, hey, we're black, we're brown ambush. I feel

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<v Speaker 1>like that didn't have the soul that it was supposed

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<v Speaker 1>to have, but you know it's close enough.

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<v Speaker 2>Hey, managa, we're in between seasons right now. You know,

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<v Speaker 2>it's like throws things off.

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<v Speaker 3>I get it, you know, I don't have the soul.

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<v Speaker 1>I feel like that was like it was rock salt

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<v Speaker 1>and not lowries. But you know, sometimes, you know, sometimes

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<v Speaker 1>you need salts, regular salt.

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<v Speaker 4>A little bit of salt. How are things going?

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<v Speaker 3>They're going good. I am planning like a fortieth birthday party.

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<v Speaker 1>Well, you know what, maybe I don't believe in dragging

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<v Speaker 1>our businesses, So I'm gonna leave a light down mine.

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<v Speaker 4>Wait dragging up?

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<v Speaker 3>What?

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<v Speaker 1>No, Because I've been planning a fortieth birthday party, which

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<v Speaker 1>could coincidentally is the same day as your your baby shower.

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<v Speaker 3>Solf.

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<v Speaker 4>I No, that's like a milestone. Are you gonna do

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<v Speaker 4>it up? Big?

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<v Speaker 3>Yeah?

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<v Speaker 1>Well, I'm just gonna because I feel like we're gonna

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<v Speaker 1>do like a housewarming slash forty years so because we

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<v Speaker 1>haven't had anyone really at the house. I mean people

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<v Speaker 1>have come by, but not like an official capacity, you know,

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<v Speaker 1>And so we had some vendors like you know, like,

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<v Speaker 1>because I not vendors, I'm trying not to be as

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<v Speaker 1>specific because I'm like she might listen.

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<v Speaker 3>And it didn't go well.

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<v Speaker 1>And it just was a really good, well, you know, athic,

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<v Speaker 1>I'm gonna say it. So we're testing out some different

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<v Speaker 1>people for food, and one of the vendors we had,

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<v Speaker 1>like her, their food was, you know, on the saltier side,

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<v Speaker 1>Like by saltier side, I mean like a seven out

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<v Speaker 1>of ten.

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<v Speaker 3>And so I gave a little feedback and it just.

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<v Speaker 1>Didn't see I don't know if she didn't realize, but

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<v Speaker 1>it was not really well received. And I thought, that's

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<v Speaker 1>what tastings are for, to say, And I said it

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<v Speaker 1>in like the most passive aggress the way it's possible

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<v Speaker 1>because you.

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<v Speaker 4>Know me, because we know you.

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<v Speaker 2>It took you like five minutes to come around to

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<v Speaker 2>what you wanted to say.

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<v Speaker 3>Just that I said it.

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<v Speaker 1>I was like, so, there are people in my family

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<v Speaker 1>that have diabetes, so we just want to be careful

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<v Speaker 1>about the sugar. So I named every illness that does

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<v Speaker 1>not exist, and then I got around the hypertension and said,

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<v Speaker 1>so we just want to be mindful about the salt.

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<v Speaker 3>That's how I did it like that.

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<v Speaker 1>I mean you would think, like I try to keep

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<v Speaker 1>it really light, but it wasn't well received.

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<v Speaker 3>And it's like instantly, energy like turned off.

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<v Speaker 1>She started watching TV instead of talking, and I was like,

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<v Speaker 1>what's happening?

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<v Speaker 3>Wait?

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<v Speaker 2>Were you did you go? Is this a friend or

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<v Speaker 2>did you go to the like went to the restaurant

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<v Speaker 2>for tasting?

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<v Speaker 1>Yeah, I just went to there with whatever restaurant they

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<v Speaker 1>were using for tasting. And I don't know, you know

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<v Speaker 1>how sometimes you she might not have even realized that

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<v Speaker 1>her energy turned off. So she might not have because

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<v Speaker 1>she was really friendly and amazing in the beginning.

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<v Speaker 3>But and I get it.

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<v Speaker 1>I don't know if she's a new business but I

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<v Speaker 1>know sometimes people it's like I'm an artist and I'm

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<v Speaker 1>sensitive about my ish.

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<v Speaker 2>Then you're in the service industry, the customer should be right.

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<v Speaker 1>It was so because so I came with a friend

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<v Speaker 1>of mine who's similar to like I always say I

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<v Speaker 1>have people in my life that are like either me

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<v Speaker 1>or like similar to like you Adrina.

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<v Speaker 3>Who were like, well you know what it is? What

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<v Speaker 3>it is?

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<v Speaker 1>I don't you know, like, and so I brought a

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<v Speaker 1>friend with like Rihanna with me, who was you know,

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<v Speaker 1>very much like I said what I said, I wasn't

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<v Speaker 1>rude about it, and so I was so like, Rihanna

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<v Speaker 1>was just watching me like tap dance.

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<v Speaker 3>Like because I was.

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<v Speaker 1>I was so comfortable that she was clearly upset and

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<v Speaker 1>I want.

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<v Speaker 3>Her to be happy. And I was like, Rihanna was

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<v Speaker 3>like we left.

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<v Speaker 1>She's like typically, I was like what, She's like what

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<v Speaker 1>I was like, I just feel really bad that she

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<v Speaker 1>she seemed to be upset. She's like, typically, you could

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<v Speaker 1>not have said it lighter, Like you literally could not

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<v Speaker 1>have said it. She's like, I'm looking at you like

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<v Speaker 1>you have family protection.

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<v Speaker 4>I was, this is your fortieth birthday. You need the

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<v Speaker 4>food to be on point, yes.

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<v Speaker 1>And she said that She's like, you were really kind.

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<v Speaker 1>You could not have said it lighter. She was like,

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<v Speaker 1>you know, I just some people just don't receive feedback

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<v Speaker 1>very well. And you know, but she's like it was

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<v Speaker 1>clear that she shut down. Like I said, it wasn't

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<v Speaker 1>she wasn't nasty, but it was very clear that she

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<v Speaker 1>just shut down. So I had me thinking to myself,

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<v Speaker 1>with one, have you even heard my feedback? Are you

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<v Speaker 1>going to come with salty food still? Or two, if

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<v Speaker 1>I give you feedback on the day of my party,

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<v Speaker 1>are you going to make it uncomfortable?

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<v Speaker 3>You know, because you know, some people don't mind.

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<v Speaker 1>They're like, whatever, girl, I said what I said, but

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<v Speaker 1>that's not me, And I'm like, I don't want to

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<v Speaker 1>have to bat all these emotions on like my big

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<v Speaker 1>fortieth birthday, you know. So yeah, but it was a

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<v Speaker 1>good lesson for like sometimes, like whenever that happens, I

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<v Speaker 1>always think, what's a good entrepreneur lesson in this?

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<v Speaker 3>And for me, the good lesson.

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<v Speaker 1>Was that sometimes you get feedback that feels uncomfortable and

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<v Speaker 1>you might subconsciously shut down. She probably didn't think, like

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<v Speaker 1>I said, she wasn't nasty, so I likely if I

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<v Speaker 1>were to share this feedback with her, she probably be like, no,

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<v Speaker 1>I didn't, So she probably didn't didn't think that she

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<v Speaker 1>had created a very uncomfortable environment. But it taught me

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<v Speaker 1>to like, Okay, Tiffany, this might happen where someone gives

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<v Speaker 1>you a couple of feedback and you might subconsciously shut down,

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<v Speaker 1>and to be mindful of creating energy and space where

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<v Speaker 1>people can tell you when something is not right. So yeah,

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<v Speaker 1>it was just really like when I tell you. It

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<v Speaker 1>was like dead silent. Are you gonna dropped the pin?

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<v Speaker 1>I was like, so guess we should leave.

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<v Speaker 4>So are you definitely using her as a caterer?

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<v Speaker 3>No?

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<v Speaker 4>Okay? I I was.

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<v Speaker 1>Like, well maybe if she we got to look at

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<v Speaker 1>me like, are you kidding me? Tiffany, I was like okay.

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<v Speaker 3>I was like, that's why I brought you.

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<v Speaker 1>I always need my like my you know, my friend

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<v Speaker 1>who is not afraid of like like you know, confrontation

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<v Speaker 1>to be like.

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<v Speaker 3>No, Tiffan A, so you're gonna use her? So that way.

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<v Speaker 1>I mean I've made decisions like that where I'm like,

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<v Speaker 1>this is an important day and because I didn't want

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<v Speaker 1>the person to be upset with them even though I

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<v Speaker 1>didn't like the service or the product, I've used it anyway,

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<v Speaker 1>and I'm like, Tiffany, it's.

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<v Speaker 3>Your big advanced age. We gotta break free.

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<v Speaker 1>Like so like sometimes people please and just take take

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<v Speaker 1>it to the next level.

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<v Speaker 2>So, oh, you're smart to bring people who have the

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<v Speaker 2>other side. I mean, it's not like you need to change.

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<v Speaker 2>I'm sure your people pleasing nature is why you're so

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<v Speaker 2>successful in other ways. So it's not like you need

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<v Speaker 2>to learn how to be a jerk. You just bring

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<v Speaker 2>the jerks.

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<v Speaker 1>With you, Like, you know what I said, what I said,

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<v Speaker 1>I wasn't rude because if you can stand in it,

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<v Speaker 1>because I knew I wasn't rude.

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<v Speaker 3>But I'm like, I hate that sense.

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<v Speaker 1>Of like I don't know, I'm like, Tiany, why are

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<v Speaker 1>you afraid she got to beat you up?

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<v Speaker 3>Like what is happening?

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<v Speaker 1>And so I just wish that's something that like I'm

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<v Speaker 1>really trying to work on to be like more assertive.

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<v Speaker 3>In this is what I like.

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<v Speaker 1>This is what I said, and I'm not saying it

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<v Speaker 1>in a rude way, but I am firm about it

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<v Speaker 1>because if I honestly, I'm not gonna lie. If I

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<v Speaker 1>went by myself, she probably would have had deposit.

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<v Speaker 2>Yeah, that's a good resolution for your fortieth, your fourth decade.

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<v Speaker 2>Own own your feelings and your opinions and don't don't

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<v Speaker 2>apologize for them.

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<v Speaker 4>A badass business lady, I know.

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<v Speaker 3>And yet I'm you know, you know it's a crazy

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<v Speaker 3>because you know what it is.

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<v Speaker 1>What I've learned about myself is that when it comes

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<v Speaker 1>to me, I'm like, ah, but let it be like

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<v Speaker 1>someone on the team, family, friends, whatever, Like it's a

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<v Speaker 1>different tipany. So I think the reason why it's like

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<v Speaker 1>it's because when I'm doing things for my audience, like

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<v Speaker 1>these are my dream catchers, like I'm very protective over

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<v Speaker 1>them and their journey, and so nothing stands in the

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<v Speaker 1>way of that. So when a bank or a brand

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<v Speaker 1>or whoever, I feel like it is doing something that

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<v Speaker 1>is not helpful and purposely harmful. So like a different

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<v Speaker 1>tipany comes out. So I think that's what it is,

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<v Speaker 1>is that I've learned that if I'm working in service

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<v Speaker 1>of others, oh, then all bets are off. But when

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<v Speaker 1>it comes to me personally, that's where I have a

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<v Speaker 1>hard time.

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<v Speaker 3>And that's why.

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<v Speaker 1>Honestly, I remember like a few episodes, not a few,

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<v Speaker 1>but probably like a year so ago, we talked about

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<v Speaker 1>the bully friend. Yes, right, and so like, I'm very

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<v Speaker 1>conscious now because I'd hired a bully friend and.

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<v Speaker 3>She was brilliant, but she was indeed a bully friend.

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<v Speaker 1>And I realize now that I'm really really careful because

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<v Speaker 1>I'm looking for a new admin and I interviewed a

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<v Speaker 1>few women and one of them gave me bully friend vibes.

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<v Speaker 3>I said, absolutely not. Now, Meanwhile, she was brilliant like

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<v Speaker 3>I could tell she was great, she would.

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<v Speaker 1>Have been awesome, but I also knew that there was

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<v Speaker 1>that little like inkling of she's a bully friend and

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<v Speaker 1>she's gonna make like her personality is going to make

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<v Speaker 1>you feel uncomfortable.

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<v Speaker 3>You're gonna be afraid to ask her things.

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<v Speaker 1>I can't have that in my admin, So I chose

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<v Speaker 1>someone instead that I knew that, you know, our personalities

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<v Speaker 1>where she was like really warm and welcoming, and that

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<v Speaker 1>even when I was like deferential, that she didn't take

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<v Speaker 1>advantage of that. And so I've learned that, like the

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<v Speaker 1>parts of my personality, I don't know that they'll change,

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<v Speaker 1>but I've also learned to offset it by not surrounding

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<v Speaker 1>myself with people that are going to put me in

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<v Speaker 1>a position to feel bullied, you know. So yeah, so

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<v Speaker 1>that's I mean, honestly, that's really I think why I've

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<v Speaker 1>like the business has done well is because when it

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<v Speaker 1>comes to other people, I'm a beast, but when it

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<v Speaker 1>comes to me, I'm like, so heard, you want to fight,

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<v Speaker 1>let's go.

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<v Speaker 2>Like that makes sense, that makes sense, I get it,

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<v Speaker 2>but still something to work on.

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<v Speaker 1>Yeah, it is definitely because I want to And now

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<v Speaker 1>I say I feel like that's why I like, I

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<v Speaker 1>look for people like you and Drina and Rihanna, because

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<v Speaker 1>I'm like, so teach me your ways.

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<v Speaker 2>Yeah, And then that's the reason my husband is the

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<v Speaker 2>one like Mandy put down the gloves, like it's not

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<v Speaker 2>the moment we would always This is a good example.

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<v Speaker 4>We went to see Hustlers this weekend and it was

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<v Speaker 4>pretty good. It was pretty good.

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<v Speaker 2>I love j Lo, like, I just feel like she's

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<v Speaker 2>so underrated. I want her to get all.

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<v Speaker 4>She never won.

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<v Speaker 2>Anything for Selena, which I think is a damn crime.

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<v Speaker 2>She doesn't have any Grammys. I'm just like, it's it's

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<v Speaker 2>appalling that we have not, you know, given her her due. Anyways,

0:09:46.160 --> 0:09:47.880
<v Speaker 2>so I'm happy that she's getting great reviews. But we

0:09:48.160 --> 0:09:50.440
<v Speaker 2>saw it and it was like a late Sunday night showing,

0:09:50.480 --> 0:09:52.040
<v Speaker 2>so it wasn't a pack theater. But there are these

0:09:52.080 --> 0:09:55.520
<v Speaker 2>girls who were just like yapping through the entire movie.

0:09:55.520 --> 0:09:58.200
<v Speaker 2>They got up and were talking to each other, and

0:09:59.040 --> 0:10:02.400
<v Speaker 2>I mean, I I really desperately wanted to say something

0:10:02.400 --> 0:10:05.120
<v Speaker 2>to them, like snarky or like, you know, get them

0:10:05.120 --> 0:10:07.000
<v Speaker 2>to be quiet. But then I thought, and I looked

0:10:07.000 --> 0:10:08.520
<v Speaker 2>at and Enrique. He knew what I was gonna do.

0:10:08.600 --> 0:10:10.599
<v Speaker 2>He's like, not today. We don't want to get in

0:10:10.640 --> 0:10:13.400
<v Speaker 2>a fight. These girls sound like they would fight you.

0:10:14.640 --> 0:10:16.680
<v Speaker 2>It's like you're pregnant. Let's just like let it go.

0:10:17.200 --> 0:10:20.280
<v Speaker 2>And I let it go. A younger Mandy may not

0:10:20.320 --> 0:10:20.640
<v Speaker 2>have let.

0:10:20.640 --> 0:10:20.840
<v Speaker 3>It go.

0:10:22.520 --> 0:10:23.840
<v Speaker 4>Because I like to poke the beast.

0:10:24.360 --> 0:10:26.120
<v Speaker 3>Yeah, that's so supermad.

0:10:26.280 --> 0:10:28.840
<v Speaker 1>I mean he's like, I mean he's pretty chill until

0:10:29.679 --> 0:10:31.240
<v Speaker 1>and so, but he's not like if we would have went,

0:10:31.280 --> 0:10:31.679
<v Speaker 1>he'd be like.

0:10:31.640 --> 0:10:33.920
<v Speaker 3>Oh, this was saucy. He would have just said it

0:10:33.920 --> 0:10:38.559
<v Speaker 3>and I would have looked at him like, but I find.

0:10:38.280 --> 0:10:40.720
<v Speaker 1>That people like, I feel like people respect that, like

0:10:41.440 --> 0:10:44.800
<v Speaker 1>you know that it's crazy because when you dance around it.

0:10:44.880 --> 0:10:48.920
<v Speaker 1>I feel like people like I found that when I'm

0:10:48.920 --> 0:10:52.079
<v Speaker 1>my most passive is when it brings out the aggression

0:10:52.120 --> 0:10:53.400
<v Speaker 1>in others more so, you know.

0:10:54.040 --> 0:10:56.199
<v Speaker 4>Yeah, it's like that, it's just a balance.

0:10:56.280 --> 0:10:58.320
<v Speaker 1>Yes and so like yeah, cause I remember, like it

0:10:58.360 --> 0:11:00.000
<v Speaker 1>wasn't until like I learned to stand up for myself.

0:11:00.000 --> 0:11:02.200
<v Speaker 1>When I was teaching preschool in Newark. It was like

0:11:02.200 --> 0:11:03.960
<v Speaker 1>my first year and I was such a punk and

0:11:03.960 --> 0:11:07.160
<v Speaker 1>the parents she used to treat me like tirash Like

0:11:07.200 --> 0:11:07.559
<v Speaker 1>I'd be.

0:11:07.520 --> 0:11:09.760
<v Speaker 3>Like oh, excuse me, miss ma'am. You really can't come.

0:11:09.840 --> 0:11:11.640
<v Speaker 3>Let shut up. I'm like, okay.

0:11:12.280 --> 0:11:14.120
<v Speaker 1>And then one day, one day, I was sick of

0:11:14.160 --> 0:11:16.719
<v Speaker 1>it and I told the biggest bad parent, I never

0:11:16.760 --> 0:11:19.440
<v Speaker 1>forget that year. I was like, it was like ten

0:11:19.440 --> 0:11:21.599
<v Speaker 1>o'clock and I think we didn't take kids past like

0:11:21.679 --> 0:11:23.840
<v Speaker 1>nine thirty, and but she was always late, like willfully late,

0:11:23.840 --> 0:11:26.040
<v Speaker 1>even though she lived across the street. And I was like,

0:11:26.040 --> 0:11:28.120
<v Speaker 1>and it was raining. I remember I had like the

0:11:28.160 --> 0:11:30.400
<v Speaker 1>little chain on the door. We had this big metal

0:11:30.400 --> 0:11:32.400
<v Speaker 1>door and I opened it and I was like, yeah,

0:11:32.400 --> 0:11:35.120
<v Speaker 1>bast year. So I told you that from now on,

0:11:35.320 --> 0:11:37.760
<v Speaker 1>you have to be here by nine thirty or you know,

0:11:38.800 --> 0:11:42.040
<v Speaker 1>your daughter Zanaya can't come, So see you tomorrow.

0:11:42.080 --> 0:11:44.920
<v Speaker 3>She's like, what open the door? I said, see you tomorrow, biz,

0:11:44.920 --> 0:11:47.480
<v Speaker 3>and I and see you tomorrow. This Tippy's gonna miss you.

0:11:47.520 --> 0:11:49.959
<v Speaker 4>Click close ooh savage?

0:11:50.000 --> 0:11:53.360
<v Speaker 1>Are you The other teachers looked at me like that's

0:11:53.400 --> 0:11:57.080
<v Speaker 1>how you're gonna start this. My heart was racing. I

0:11:57.120 --> 0:11:58.680
<v Speaker 1>was like, oh my gosh, she's gonna beat me up tomorrow.

0:11:58.960 --> 0:12:03.640
<v Speaker 1>I'm gonna die. My car is gonna be torched. Because

0:12:03.640 --> 0:12:06.880
<v Speaker 1>Basheer was like that parent like you could tell Baschier

0:12:07.000 --> 0:12:07.760
<v Speaker 1>spent all her high.

0:12:07.600 --> 0:12:09.600
<v Speaker 3>School years boxing and always right.

0:12:09.679 --> 0:12:10.199
<v Speaker 4>Yeah.

0:12:10.240 --> 0:12:12.920
<v Speaker 3>And so she came the next day and she came

0:12:12.920 --> 0:12:15.640
<v Speaker 3>at like nine twenty early. I opened the door. I

0:12:15.679 --> 0:12:16.040
<v Speaker 3>looked at her.

0:12:16.040 --> 0:12:17.640
<v Speaker 1>She said, miss Tiffany. I said yeah, she said, you

0:12:17.679 --> 0:12:20.920
<v Speaker 1>got that. I was mad at first, but you know what,

0:12:21.000 --> 0:12:25.480
<v Speaker 1>I'm wild disrespectful. I did say lead and I was like, okay.

0:12:26.120 --> 0:12:28.280
<v Speaker 3>But it taught me such a valuable lesson about standing

0:12:28.360 --> 0:12:29.000
<v Speaker 3>up for yourself.

0:12:29.080 --> 0:12:30.960
<v Speaker 1>And to this day, it's funny because she works at

0:12:31.000 --> 0:12:32.960
<v Speaker 1>city Hall and I was trying to get some permit

0:12:33.040 --> 0:12:35.800
<v Speaker 1>or something and it was she was there and she's like, oh,

0:12:35.880 --> 0:12:37.679
<v Speaker 1>let's go, comes to the front of the line and

0:12:37.720 --> 0:12:39.640
<v Speaker 1>we had a good key key and she was showing

0:12:39.640 --> 0:12:43.040
<v Speaker 1>me pictures of Zanayah, who is now like sixteen, which

0:12:43.080 --> 0:12:44.120
<v Speaker 1>makes me feel extra old.

0:12:44.120 --> 0:12:45.280
<v Speaker 3>I'm like, are you kidding me? Her?

0:12:45.360 --> 0:12:45.560
<v Speaker 4>Damn.

0:12:46.280 --> 0:12:47.480
<v Speaker 3>But it was just like such a good.

0:12:47.400 --> 0:12:50.440
<v Speaker 1>Lesson in standing up for myself, and like you know

0:12:50.679 --> 0:12:55.800
<v Speaker 1>that oftentimes it generate respect rather than whatever fearful thing

0:12:55.840 --> 0:12:59.720
<v Speaker 1>I'm waiting on. But yeah, I just remember thinking, well,

0:12:59.840 --> 0:14:09.640
<v Speaker 1>I guess I'll be fighting after school today.

0:13:36.000 --> 0:13:39.520
<v Speaker 3>All right, y'all. So it is time for one of

0:13:39.559 --> 0:13:41.200
<v Speaker 3>my favorite parts of the shows.

0:13:41.200 --> 0:13:41.520
<v Speaker 4>Cool.

0:13:41.600 --> 0:13:44.000
<v Speaker 1>You know what? It was funny because I remember I

0:13:44.040 --> 0:13:45.400
<v Speaker 1>took that picture with Usher and it looked like a

0:13:45.400 --> 0:13:48.839
<v Speaker 1>wax figure. Because I had gone to Atlanta to do

0:13:48.880 --> 0:13:53.040
<v Speaker 1>his Oh what is this thing called New Journey? He

0:13:53.080 --> 0:13:55.280
<v Speaker 1>has a nonprofit which of course I'm forgetting the name of,

0:13:55.640 --> 0:13:57.679
<v Speaker 1>and I went to go, like teach a session. I

0:13:57.720 --> 0:13:59.920
<v Speaker 1>can't see has like an annual kind of like calm

0:14:00.080 --> 0:14:04.400
<v Speaker 1>friends for the young people his nonprofit, So so I went.

0:14:04.480 --> 0:14:05.720
<v Speaker 1>I took a picture with him, but it was so

0:14:05.760 --> 0:14:07.880
<v Speaker 1>weird because in the picture he looks like a wax figure.

0:14:08.360 --> 0:14:10.280
<v Speaker 1>And someone in the comments and I just saw this

0:14:10.320 --> 0:14:12.480
<v Speaker 1>like last night and had me roll. And someone in

0:14:12.520 --> 0:14:14.720
<v Speaker 1>the comments said, did you tell him that you always

0:14:14.720 --> 0:14:16.920
<v Speaker 1>mess up his confession song for the question song?

0:14:17.400 --> 0:14:21.120
<v Speaker 3>I was like, I totally forgot that I do, so

0:14:21.280 --> 0:14:24.640
<v Speaker 3>this is out to us. These are our co questions.

0:14:24.760 --> 0:14:26.840
<v Speaker 1>I do also know the words, so I don't know

0:14:26.920 --> 0:14:30.120
<v Speaker 1>what to say. Well, she said, it would have me

0:14:30.200 --> 0:14:32.160
<v Speaker 1>rolling because I do keep messing up the confession song.

0:14:32.600 --> 0:14:35.480
<v Speaker 1>Either way, it's time for questions, and I am excited

0:14:35.520 --> 0:14:38.360
<v Speaker 1>because you guys always have amazing questions. If you like

0:14:38.400 --> 0:14:40.200
<v Speaker 1>to submit a question, Maddie will tell you how.

0:14:41.040 --> 0:14:43.720
<v Speaker 2>Yes, well, thank you, I'm sure will You can go

0:14:43.800 --> 0:14:46.720
<v Speaker 2>to brandabissionpodcast dot com. He'd ask us anything. To send

0:14:46.760 --> 0:14:49.280
<v Speaker 2>us a question, hit us up on Instagram at brand

0:14:49.360 --> 0:14:52.440
<v Speaker 2>Ambison Podcast. You can hit us up in our dms

0:14:52.440 --> 0:14:56.320
<v Speaker 2>there please be detailed but brief, or you can email

0:14:56.360 --> 0:14:59.760
<v Speaker 2>us directly at Brandambission Podcast at gmail dot com.

0:15:01.120 --> 0:15:03.640
<v Speaker 3>That car, do we have a bunch?

0:15:03.640 --> 0:15:05.520
<v Speaker 2>We have too many questions today, so I'm gonna save

0:15:05.560 --> 0:15:09.080
<v Speaker 2>some for next week. But hey, okay, I love some questions,

0:15:09.120 --> 0:15:12.000
<v Speaker 2>a lot of credit related questions too. Let's take this

0:15:12.040 --> 0:15:15.320
<v Speaker 2>one from our email inbox this week from listeners Chanel,

0:15:16.240 --> 0:15:17.960
<v Speaker 2>who says I've used a bunch of what I've learned

0:15:17.960 --> 0:15:21.520
<v Speaker 2>through this podcast to be successful during my home buying process.

0:15:21.840 --> 0:15:23.880
<v Speaker 2>My question is what's a good resource to find a

0:15:23.880 --> 0:15:26.200
<v Speaker 2>credit card for new homeowners. We have a couple of

0:15:26.240 --> 0:15:28.760
<v Speaker 2>things that we need to purchase, like our fridge, blinds, etc.

0:15:29.320 --> 0:15:31.120
<v Speaker 2>I want to use a rewards credit card so I

0:15:31.120 --> 0:15:34.960
<v Speaker 2>can reap some benefits. Help assist out Oooooo.

0:15:35.920 --> 0:15:38.080
<v Speaker 1>I think, actually, Mander, you had a really good credit

0:15:38.080 --> 0:15:39.480
<v Speaker 1>card that you guys used, right.

0:15:39.720 --> 0:15:42.720
<v Speaker 2>Yeah, right, So of course we can recommend some credit cards,

0:15:42.720 --> 0:15:45.160
<v Speaker 2>but read the fine print, read the terms and conditions

0:15:45.160 --> 0:15:46.640
<v Speaker 2>on the card, make sure that the right card for

0:15:46.720 --> 0:15:50.280
<v Speaker 2>you personally. When we were doing our renovation, we decided

0:15:50.280 --> 0:15:52.800
<v Speaker 2>to sign up with the City Double Cash card because

0:15:52.840 --> 0:15:55.240
<v Speaker 2>it was basically the max cash back you can get

0:15:55.240 --> 0:15:58.440
<v Speaker 2>on like any purchase, and there aren't that many cards

0:15:58.440 --> 0:16:01.280
<v Speaker 2>that have a flat cash back great on anything that

0:16:01.320 --> 0:16:04.360
<v Speaker 2>are higher than like one percent, so two percent was

0:16:04.400 --> 0:16:06.000
<v Speaker 2>the best we could do. And the way the City

0:16:06.000 --> 0:16:08.640
<v Speaker 2>Double Cash works is that it gives you one percent

0:16:08.760 --> 0:16:10.640
<v Speaker 2>cash back when you make the purchase, and it gives

0:16:10.680 --> 0:16:13.000
<v Speaker 2>you another one percent when you pay it off, so

0:16:13.040 --> 0:16:15.040
<v Speaker 2>you only get the full two percent if you're paying

0:16:15.040 --> 0:16:18.880
<v Speaker 2>off the card in full. We also took advantage of

0:16:18.920 --> 0:16:22.440
<v Speaker 2>a zero percent intro APR offer. I forget the name

0:16:22.480 --> 0:16:25.360
<v Speaker 2>of a credit card. It was a Chase card and

0:16:25.760 --> 0:16:28.560
<v Speaker 2>it was zero percent for twelve months or something like that,

0:16:29.120 --> 0:16:32.120
<v Speaker 2>and we use that for some larger purchases and we

0:16:32.320 --> 0:16:35.400
<v Speaker 2>just paid that off this summer, which felt great, and

0:16:35.440 --> 0:16:38.200
<v Speaker 2>that allowed us to have no interest for you know,

0:16:38.240 --> 0:16:41.160
<v Speaker 2>twelve months. The risk with those types of cards is

0:16:41.160 --> 0:16:44.160
<v Speaker 2>that often they have deferred interest clauses, which means if

0:16:44.160 --> 0:16:47.240
<v Speaker 2>we had left even like one dollar on that credit card.

0:16:47.320 --> 0:16:50.440
<v Speaker 2>After that promo period ended, they could have been like, oh,

0:16:50.480 --> 0:16:52.720
<v Speaker 2>you were charged interest this entire year, and we're going

0:16:52.760 --> 0:16:54.800
<v Speaker 2>to slap it on. We're going to slap it onto

0:16:54.840 --> 0:16:55.560
<v Speaker 2>your card right now.

0:16:55.600 --> 0:16:57.920
<v Speaker 4>So I was dead. I was adamant that we were

0:16:57.960 --> 0:17:01.320
<v Speaker 4>not going to, you know, let that happen. So that

0:17:01.480 --> 0:17:04.400
<v Speaker 4>was our strategy. Did you guys use any We did.

0:17:04.480 --> 0:17:06.800
<v Speaker 1>Honestly, looking back at it now, I wish I would

0:17:06.840 --> 0:17:08.400
<v Speaker 1>have gotten that credit card, like you said.

0:17:08.400 --> 0:17:11.000
<v Speaker 3>But oddly enough, so Superman was trying.

0:17:10.800 --> 0:17:12.320
<v Speaker 1>To convince me that we need to get a Home

0:17:12.359 --> 0:17:14.800
<v Speaker 1>Depot card, and I was like, no, we're down now down. No,

0:17:14.880 --> 0:17:18.159
<v Speaker 1>wa Actually, with the amount of money we spent at

0:17:18.160 --> 0:17:20.080
<v Speaker 1>Home Depot, we should have got we should have got

0:17:20.080 --> 0:17:20.920
<v Speaker 1>a Home Deeper card.

0:17:20.960 --> 0:17:22.600
<v Speaker 3>He was right. I just didn't think we were going

0:17:22.680 --> 0:17:24.119
<v Speaker 3>to need that much stuff from Home Deepot.

0:17:24.160 --> 0:17:26.399
<v Speaker 1>We got a I mean like just thousands of thousands

0:17:26.440 --> 0:17:29.200
<v Speaker 1>of dollars we spent at Home Depot during the renovation.

0:17:30.160 --> 0:17:32.240
<v Speaker 3>But I will say it wasn't like all I didn't.

0:17:32.400 --> 0:17:33.359
<v Speaker 3>It wasn't all for nothing.

0:17:33.440 --> 0:17:35.720
<v Speaker 1>So what I ended up using was our travel card

0:17:36.720 --> 0:17:38.560
<v Speaker 1>as like our as our go to credit card and

0:17:38.600 --> 0:17:42.800
<v Speaker 1>we whoo, let's just say my like, we have so

0:17:42.840 --> 0:17:45.400
<v Speaker 1>many trips spending because I also use my travel card

0:17:45.400 --> 0:17:49.800
<v Speaker 1>for marketing spend and I've got I mean, I could

0:17:49.880 --> 0:17:52.800
<v Speaker 1>go to Zimbabwe and stay like in the President's suite

0:17:53.240 --> 0:17:55.679
<v Speaker 1>at the President's house or as many points as we have,

0:17:56.400 --> 0:17:58.280
<v Speaker 1>so I mean, so it wasn't for nothing. But I

0:17:58.440 --> 0:18:02.120
<v Speaker 1>thinking about it now, because I use my travel card

0:18:02.119 --> 0:18:04.840
<v Speaker 1>for marketing, I really didn't need the additional travel points,

0:18:04.840 --> 0:18:07.400
<v Speaker 1>and I really wish I would have because you told

0:18:07.400 --> 0:18:09.600
<v Speaker 1>me about that card in the beginning, and honestly, I

0:18:09.640 --> 0:18:12.359
<v Speaker 1>wish I would have gone and gotten it because I

0:18:12.359 --> 0:18:15.280
<v Speaker 1>would have much rather the cash back than additional because

0:18:15.359 --> 0:18:17.520
<v Speaker 1>we have so many travel points now that like, I'm

0:18:17.560 --> 0:18:19.720
<v Speaker 1>just like my whole family just comes to me. They're like,

0:18:19.800 --> 0:18:22.200
<v Speaker 1>so I got a trip, now you got some points.

0:18:22.359 --> 0:18:24.880
<v Speaker 2>Well, those travel cards don't give you the same rate

0:18:25.040 --> 0:18:28.119
<v Speaker 2>for like a purchase at a department store or like

0:18:28.800 --> 0:18:31.760
<v Speaker 2>on furniture as they would on travel expenses. Like the

0:18:32.400 --> 0:18:35.040
<v Speaker 2>most lucrative travel cards really only give you the high

0:18:35.080 --> 0:18:37.479
<v Speaker 2>cash back rate if you're paying for travel purchases. So

0:18:37.960 --> 0:18:39.800
<v Speaker 2>that's what that's why we ended up getting the city

0:18:39.840 --> 0:18:41.600
<v Speaker 2>card because we knew we were only going to get

0:18:41.600 --> 0:18:44.680
<v Speaker 2>one percent back if we used our travel card.

0:18:45.320 --> 0:18:47.760
<v Speaker 4>Home depot card be looked at. I don't remember it.

0:18:47.720 --> 0:18:49.880
<v Speaker 2>Having any like cash back benefits. I think it's more

0:18:49.880 --> 0:18:53.720
<v Speaker 2>that it offers it offers different like financing options, like

0:18:53.800 --> 0:18:57.320
<v Speaker 2>zero percent or whatever, depending up. I don't think they

0:18:57.359 --> 0:18:59.439
<v Speaker 2>do like you guys could check, But I don't know

0:18:59.440 --> 0:19:01.800
<v Speaker 2>that they have like a cash back card. That'd be

0:19:01.960 --> 0:19:02.400
<v Speaker 2>nice though.

0:19:03.119 --> 0:19:03.479
<v Speaker 3>Yeah.

0:19:03.520 --> 0:19:06.320
<v Speaker 1>So so I say go with the card that Bandy suggests,

0:19:06.320 --> 0:19:07.760
<v Speaker 1>because it's just, I mean, cash bag.

0:19:07.800 --> 0:19:09.920
<v Speaker 3>You can't ever go wrong. Cash is queen.

0:19:11.119 --> 0:19:11.840
<v Speaker 4>Cash is queen.

0:19:12.119 --> 0:19:13.639
<v Speaker 2>And see if there's any you know, I'll put a

0:19:13.640 --> 0:19:15.760
<v Speaker 2>link to the Magnifying Money credit card tool. There's new

0:19:15.800 --> 0:19:18.359
<v Speaker 2>credit cards. I can't even keep up anymore all the time.

0:19:19.200 --> 0:19:20.760
<v Speaker 2>And one of the other reasons I love the City

0:19:20.800 --> 0:19:23.320
<v Speaker 2>Double Cash card is not it doesn't even exist anymore.

0:19:23.359 --> 0:19:25.639
<v Speaker 2>They got rid of this program where they were doing.

0:19:27.560 --> 0:19:28.280
<v Speaker 4>What do you call it?

0:19:28.840 --> 0:19:33.360
<v Speaker 2>No, I forget, oh baby brain no. A program basically

0:19:33.400 --> 0:19:36.119
<v Speaker 2>where if we made a purchase with our City Double

0:19:36.119 --> 0:19:39.240
<v Speaker 2>Cash card and the price dropped after we'd made the purchase,

0:19:39.280 --> 0:19:42.200
<v Speaker 2>they would actually go back and refund us. I remember

0:19:42.480 --> 0:19:44.439
<v Speaker 2>they got rid of that program. If you guys, notice

0:19:44.480 --> 0:19:46.760
<v Speaker 2>like some of the rewards cards out there have been

0:19:46.800 --> 0:19:49.720
<v Speaker 2>so lucrative and they're starting to scale back their programs

0:19:49.760 --> 0:19:52.280
<v Speaker 2>to make them well. They're very expensive for the companies

0:19:52.320 --> 0:19:54.320
<v Speaker 2>to keep up, so some of them have been scaling

0:19:54.320 --> 0:19:57.439
<v Speaker 2>them back, so they're not as lucrative as they used

0:19:57.480 --> 0:20:00.240
<v Speaker 2>to be. Sadly, but we took Hella advantage of that

0:20:00.320 --> 0:20:04.600
<v Speaker 2>perk while it was there. All right, cool, thank you, Chanel.

0:20:04.680 --> 0:20:06.399
<v Speaker 2>Good luck with the home buying per And just make

0:20:06.440 --> 0:20:08.480
<v Speaker 2>sure if you take out credit have the plan to

0:20:08.480 --> 0:20:10.400
<v Speaker 2>pay it back. You do not want to start your

0:20:10.400 --> 0:20:12.520
<v Speaker 2>home ownership journey with a ton of credit card debt

0:20:13.080 --> 0:20:15.359
<v Speaker 2>and be house poor and it's just going to be sad.

0:20:15.440 --> 0:20:18.520
<v Speaker 2>So take your time making if you don't have the

0:20:18.520 --> 0:20:20.200
<v Speaker 2>money to pay it off, just like take your time.

0:20:20.520 --> 0:20:23.120
<v Speaker 2>You don't need the fancy blinds or the fancy couch

0:20:23.200 --> 0:20:25.840
<v Speaker 2>right now, take your time getting that stuff over the

0:20:25.880 --> 0:20:27.000
<v Speaker 2>next few months if you can.

0:20:27.640 --> 0:20:29.960
<v Speaker 4>M Okay, who's next? Okay?

0:20:30.000 --> 0:20:34.840
<v Speaker 2>So we got a question from Instagram user whose name

0:20:34.920 --> 0:20:37.800
<v Speaker 2>is Tea T says, I need some advice. I have

0:20:37.840 --> 0:20:40.960
<v Speaker 2>a rental property that's increased in value. I paid ninety

0:20:41.000 --> 0:20:43.400
<v Speaker 2>eight thousand dollars, and the exact same type of house

0:20:43.400 --> 0:20:45.920
<v Speaker 2>in my neighborhood just sold for one hundred and thirty

0:20:46.000 --> 0:20:49.080
<v Speaker 2>nine thousand dollars. So I'm wondering should I sell my

0:20:49.080 --> 0:20:50.919
<v Speaker 2>rental property when of my tenants move out in a

0:20:50.920 --> 0:20:53.320
<v Speaker 2>few months. I'm planning to put in a new carpet

0:20:53.320 --> 0:20:55.320
<v Speaker 2>and lamit it flooring, as well as build a deck

0:20:55.400 --> 0:20:58.920
<v Speaker 2>on the back of the house. And that's it. Oh

0:20:58.960 --> 0:21:02.399
<v Speaker 2>and so her house is she's paid ninety eight thousand dollars,

0:21:02.480 --> 0:21:05.480
<v Speaker 2>she still owes ninety one thousand dollar mortgage. If you're

0:21:05.600 --> 0:21:07.880
<v Speaker 2>hundering so much. Was a recent purchase.

0:21:08.520 --> 0:21:12.040
<v Speaker 1>And so she's asking, and she after renovating the property,

0:21:12.040 --> 0:21:13.200
<v Speaker 1>if she should sell it.

0:21:13.200 --> 0:21:14.920
<v Speaker 2>Sounds like she wants to do a couple of upgrades,

0:21:14.960 --> 0:21:18.119
<v Speaker 2>new carpet, laminate flooring, and build a deck, and then

0:21:18.119 --> 0:21:20.080
<v Speaker 2>she wants to try and sell it because she's seen

0:21:20.119 --> 0:21:22.920
<v Speaker 2>this other house that she thinks is comparable that's sold

0:21:23.000 --> 0:21:25.960
<v Speaker 2>for nearly like forty thousand dollars more than what she

0:21:26.000 --> 0:21:26.879
<v Speaker 2>paid for her house.

0:21:27.560 --> 0:21:29.040
<v Speaker 1>Well, I'll say this, one of the things I learned

0:21:29.040 --> 0:21:32.720
<v Speaker 1>about like deeper renovations is that you don't you don't

0:21:32.760 --> 0:21:33.880
<v Speaker 1>get back dollar for dollar.

0:21:34.200 --> 0:21:36.159
<v Speaker 3>I thought that you did, and I was like, oh.

0:21:36.160 --> 0:21:39.240
<v Speaker 1>That's not true, not bro, So yeah, meaning that let's

0:21:39.240 --> 0:21:41.640
<v Speaker 1>just say the deck costs you ten thousand dollars, just

0:21:41.680 --> 0:21:44.720
<v Speaker 1>like for math's sake, right, and you think like, oh,

0:21:44.920 --> 0:21:47.160
<v Speaker 1>so now that's going to make my house worth ten

0:21:47.160 --> 0:21:51.239
<v Speaker 1>thousand dollars more new, and like maybe it'll make your

0:21:51.280 --> 0:21:53.120
<v Speaker 1>house be worth five thousand dollars more.

0:21:53.320 --> 0:21:55.919
<v Speaker 3>That's why people don't get that upgrades. You don't what

0:21:56.080 --> 0:21:57.520
<v Speaker 3>you put out for the upgrade.

0:21:58.160 --> 0:22:00.000
<v Speaker 1>Very rarely, if at all, do you ever get that

0:22:00.119 --> 0:22:03.560
<v Speaker 1>exact number back, like on a good like like on

0:22:03.600 --> 0:22:06.520
<v Speaker 1>a good trade, it's sixty percent back, like like Manny

0:22:06.520 --> 0:22:08.639
<v Speaker 1>and I both got like AC's in our house and

0:22:09.080 --> 0:22:13.199
<v Speaker 1>AC like Central AC or like a split system. You

0:22:13.440 --> 0:22:15.840
<v Speaker 1>it's pretty good, like you get like sixty to sixty

0:22:15.880 --> 0:22:17.679
<v Speaker 1>five percent back, but that's not one hundred percent. So

0:22:17.680 --> 0:22:21.240
<v Speaker 1>if you spend thirty thousand dollars on you know, because

0:22:21.240 --> 0:22:23.120
<v Speaker 1>that's like what you're looking at. If you're putting in

0:22:25.200 --> 0:22:28.680
<v Speaker 1>a split system for AC's in your home, you're looking anywhere.

0:22:28.800 --> 0:22:33.120
<v Speaker 1>It could be twenty thirty, sixty, seventy thousand dollars or more.

0:22:33.520 --> 0:22:35.840
<v Speaker 1>You're not going to get thirty thousand dollars back. Maybe

0:22:35.840 --> 0:22:38.520
<v Speaker 1>you'll get twenty. So just be mindful that if that

0:22:38.680 --> 0:22:42.439
<v Speaker 1>house is comparable to your house as it stands and

0:22:42.480 --> 0:22:45.280
<v Speaker 1>you're wanting to sell, I would not make I would

0:22:45.280 --> 0:22:48.320
<v Speaker 1>not except for like small things like paint.

0:22:48.200 --> 0:22:50.119
<v Speaker 3>And you know, things like that.

0:22:50.240 --> 0:22:53.800
<v Speaker 1>Yeah, but I wouldn't make these big changes because you're

0:22:53.840 --> 0:22:55.600
<v Speaker 1>not going to get that money back. Unless you're saying

0:22:56.040 --> 0:22:59.199
<v Speaker 1>that that that the other house has the deck and

0:22:59.240 --> 0:23:01.240
<v Speaker 1>all these other things, then that's what you're wanting to add.

0:23:01.280 --> 0:23:06.560
<v Speaker 1>But yeah, I mean renovating to the you know, because

0:23:06.600 --> 0:23:11.160
<v Speaker 1>also sound like pretty big renovations or moderate renovations. You're

0:23:11.200 --> 0:23:12.760
<v Speaker 1>not going to see that money back. And you might

0:23:12.840 --> 0:23:14.760
<v Speaker 1>just get your money back with the house as it

0:23:14.800 --> 0:23:19.200
<v Speaker 1>stands down And if your neighborhood is on the way up,

0:23:19.359 --> 0:23:21.280
<v Speaker 1>meaning like you know, you're watching month to month and

0:23:21.320 --> 0:23:23.240
<v Speaker 1>you saw I don't know how long you've had the house,

0:23:23.480 --> 0:23:26.440
<v Speaker 1>then you might want to wait, Like you is your

0:23:26.480 --> 0:23:31.359
<v Speaker 1>tenant paying the mortgage? If so, it's not necessarily costing

0:23:31.359 --> 0:23:33.920
<v Speaker 1>you anything. And there's a little bit of tax break,

0:23:33.960 --> 0:23:35.240
<v Speaker 1>not as much as there used to be, but there's

0:23:35.240 --> 0:23:37.119
<v Speaker 1>a little bit of a tax break So I don't know,

0:23:37.200 --> 0:23:39.720
<v Speaker 1>I probably, I mean, I don't know that I would

0:23:39.760 --> 0:23:43.800
<v Speaker 1>sell if it's making me money and and the neighborhood

0:23:43.840 --> 0:23:45.959
<v Speaker 1>is on its way up, because five years from now,

0:23:46.000 --> 0:23:49.520
<v Speaker 1>maybe you get you know, two hundred or two twenty

0:23:49.520 --> 0:23:50.320
<v Speaker 1>five for that house.

0:23:50.359 --> 0:23:53.600
<v Speaker 3>You're like, damn, I should have waited. So yeah, I'm wondering.

0:23:53.720 --> 0:23:56.399
<v Speaker 2>I'm wondering why she's other than the value of a

0:23:56.440 --> 0:23:58.960
<v Speaker 2>house being sold. Like I wonder if she needs some money,

0:23:59.160 --> 0:24:03.080
<v Speaker 2>or if she's looking to take this take the money

0:24:03.080 --> 0:24:06.080
<v Speaker 2>she earnso this house and flip it into another rental property.

0:24:06.280 --> 0:24:08.920
<v Speaker 1>Yeah, maybe, or like, let's just say this, if you're

0:24:08.920 --> 0:24:11.800
<v Speaker 1>putting it into the market, Say, for example, you do

0:24:11.920 --> 0:24:15.679
<v Speaker 1>the math of what percentage has the house grown in

0:24:15.800 --> 0:24:18.280
<v Speaker 1>value in what in that year? So let's just say

0:24:18.320 --> 0:24:22.320
<v Speaker 1>it's grown I don't know, you know, fifteen percent in

0:24:22.359 --> 0:24:25.160
<v Speaker 1>one year. I mean, that's better than the market.

0:24:25.200 --> 0:24:26.120
<v Speaker 4>That would be crazy.

0:24:26.520 --> 0:24:30.040
<v Speaker 3>Yeah, I'm just saying, you know, like, can I move there? Exactly?

0:24:30.119 --> 0:24:30.399
<v Speaker 3>But no.

0:24:30.480 --> 0:24:33.000
<v Speaker 1>But honestly, Mandy, I can tell you, like in Newark,

0:24:33.680 --> 0:24:37.480
<v Speaker 1>that's exactly what's happening. Because so Newark is for those

0:24:37.520 --> 0:24:39.800
<v Speaker 1>of you who like don't live in this area, of

0:24:39.840 --> 0:24:42.679
<v Speaker 1>the of the country. New York is super close to

0:24:42.720 --> 0:24:46.280
<v Speaker 1>New York, which is a really expensive place to live,

0:24:46.320 --> 0:24:48.639
<v Speaker 1>and people want to live next to New York because

0:24:49.480 --> 0:24:51.280
<v Speaker 1>that's what the funds that but also a lot of jobs.

0:24:51.680 --> 0:24:56.000
<v Speaker 1>And so what happened is Midtown, which is basically like

0:24:56.320 --> 0:24:59.960
<v Speaker 1>the like the hub of New York, is super expensive

0:25:00.359 --> 0:25:01.879
<v Speaker 1>and so people couldn't afford in the town. So they

0:25:01.880 --> 0:25:04.520
<v Speaker 1>started branching off the plants whose places like Harlem, which

0:25:04.560 --> 0:25:08.920
<v Speaker 1>is uptown like and so Harlem, these brownstones that these

0:25:08.960 --> 0:25:12.080
<v Speaker 1>older brown folks owned, they were buying them up for

0:25:12.200 --> 0:25:14.320
<v Speaker 1>pennies and now they were like two million dollars, like

0:25:14.320 --> 0:25:16.240
<v Speaker 1>literally they're buying them for ten thousand, and now they

0:25:16.280 --> 0:25:18.080
<v Speaker 1>worth two million, which is disheartening when you find out

0:25:18.119 --> 0:25:22.399
<v Speaker 1>so many people lost their homes to in that trade.

0:25:22.480 --> 0:25:24.840
<v Speaker 1>That was unfair. And then nobody used to want to

0:25:24.840 --> 0:25:26.840
<v Speaker 1>live in Brooklyn. It used to literally be Brooklyn has

0:25:26.880 --> 0:25:29.880
<v Speaker 1>a section called Bedstide. It would be Bedstide, do or die,

0:25:30.080 --> 0:25:33.960
<v Speaker 1>and you're likely to die. And now Bedside, they gave

0:25:34.000 --> 0:25:37.520
<v Speaker 1>it another name, is fancy and expensive and people can't

0:25:37.560 --> 0:25:40.440
<v Speaker 1>afford Brooklyn. And so as a result of New York

0:25:40.480 --> 0:25:44.200
<v Speaker 1>spreading out, now now they're looking over the water to Newark.

0:25:44.440 --> 0:25:48.359
<v Speaker 1>Who before think Newark, Think Oakland, think I'm trying to

0:25:48.400 --> 0:25:51.679
<v Speaker 1>think with some other places like oh, think Detroit. You know,

0:25:51.840 --> 0:25:54.280
<v Speaker 1>Like so Newark had that kind of connotation of being

0:25:54.320 --> 0:25:58.000
<v Speaker 1>economically depressed. But because people can't afford Manhattan, they can't

0:25:58.040 --> 0:26:00.760
<v Speaker 1>afford Harlem anymore, they can't affer Brooklyn. They've already moved

0:26:00.760 --> 0:26:03.040
<v Speaker 1>to Jersey City, which is even the closest kind of

0:26:03.080 --> 0:26:07.000
<v Speaker 1>like city in New Jersey to New York. Now they've

0:26:07.000 --> 0:26:09.800
<v Speaker 1>looked at Newark. And so when Superman and I were

0:26:09.800 --> 0:26:12.159
<v Speaker 1>looking two years ago, Mandy literally a house would be

0:26:12.240 --> 0:26:14.920
<v Speaker 1>on the market for two hundred thousand and it would

0:26:14.960 --> 0:26:16.320
<v Speaker 1>go for two fifty.

0:26:16.800 --> 0:26:18.400
<v Speaker 3>There was one three.

0:26:18.200 --> 0:26:22.880
<v Speaker 1>Family house that was fairly priced at two eighty and

0:26:22.920 --> 0:26:25.720
<v Speaker 1>we lost it to someone who bid three twenty.

0:26:26.440 --> 0:26:28.360
<v Speaker 3>And I was like, what I.

0:26:28.280 --> 0:26:30.399
<v Speaker 1>Mean, these were houses maybe two or three years prior

0:26:30.680 --> 0:26:32.359
<v Speaker 1>that you couldn't even get like, you know, one hundred

0:26:32.359 --> 0:26:34.120
<v Speaker 1>and fifty one hundred eighty thousand dollars for the house.

0:26:34.760 --> 0:26:39.159
<v Speaker 1>So there are sections of the country where because of

0:26:40.040 --> 0:26:43.960
<v Speaker 1>just big okay, it's gone. There are sections of the

0:26:43.960 --> 0:26:48.760
<v Speaker 1>country because of like just like it's just so expensive

0:26:48.800 --> 0:26:51.320
<v Speaker 1>to live here, that people are willing to move further

0:26:51.359 --> 0:26:53.280
<v Speaker 1>and further away from the desired place, which is New

0:26:53.359 --> 0:26:56.800
<v Speaker 1>York City. That like, housing costs are like jumping up,

0:26:56.880 --> 0:27:00.880
<v Speaker 1>like jumping beans. Honestly, So if you than someplace like that,

0:27:01.000 --> 0:27:03.600
<v Speaker 1>I would wait. But if you live someplace where it's

0:27:03.640 --> 0:27:05.040
<v Speaker 1>just creeping up and you're just like, I don't want

0:27:05.080 --> 0:27:07.040
<v Speaker 1>to deal with tenants anymore. I'm over it. I just

0:27:07.080 --> 0:27:08.880
<v Speaker 1>won't give you my money. Well, then get your money

0:27:08.920 --> 0:27:10.640
<v Speaker 1>and but invested someplace else.

0:27:11.359 --> 0:27:13.639
<v Speaker 2>Yeah, I agree, And I'll put a link actually use this.

0:27:13.720 --> 0:27:16.639
<v Speaker 2>There's like a website remodeling. I think it's I forget

0:27:16.640 --> 0:27:19.720
<v Speaker 2>the name of remodel something, but they put out annually

0:27:19.960 --> 0:27:22.880
<v Speaker 2>a list of like the ROI the return on investment

0:27:22.880 --> 0:27:25.480
<v Speaker 2>of certain how home improvement projects. And I think one

0:27:25.480 --> 0:27:27.359
<v Speaker 2>of the most like lucrative ones you can do is

0:27:27.400 --> 0:27:29.879
<v Speaker 2>replacing a garage door. Last time I read, it's like

0:27:29.960 --> 0:27:30.960
<v Speaker 2>random stuff like that.

0:27:31.160 --> 0:27:31.880
<v Speaker 4>Wow, that is.

0:27:33.960 --> 0:27:34.240
<v Speaker 1>OK.

0:27:34.880 --> 0:27:37.359
<v Speaker 2>Yeah, So I'll post the link in there. And you know,

0:27:37.480 --> 0:27:39.879
<v Speaker 2>especially if if you're selling to people who might want

0:27:39.880 --> 0:27:41.280
<v Speaker 2>to rent it out themselves, they're not going to want

0:27:41.280 --> 0:27:42.760
<v Speaker 2>to pay for a lot of upgrades, like they're going

0:27:42.800 --> 0:27:45.199
<v Speaker 2>to want the bare minimum so they can rent it

0:27:45.200 --> 0:27:48.880
<v Speaker 2>out as well. So yep, interesting, and congrats on having

0:27:48.880 --> 0:27:49.600
<v Speaker 2>a rental property.

0:27:49.600 --> 0:27:54.160
<v Speaker 4>That's cool. Goals goals, goals, goals. Yes, would you think

0:27:54.200 --> 0:27:55.800
<v Speaker 4>we're more sure?

0:27:56.119 --> 0:27:57.680
<v Speaker 3>Let's see, all.

0:27:57.640 --> 0:28:00.000
<v Speaker 2>Right, Thanks for your question, Tee. Here's another one from

0:28:00.119 --> 0:28:02.400
<v Speaker 2>the gram. I don't know how to pronounce this, let's

0:28:02.400 --> 0:28:05.800
<v Speaker 2>just go with Breezy. So Instagram user Breeze says, Hello,

0:28:05.840 --> 0:28:08.320
<v Speaker 2>I've got eleven thousand, five hundred dollars in credit card

0:28:08.320 --> 0:28:11.040
<v Speaker 2>debt and I just received five thousand dollars from a settlement.

0:28:11.400 --> 0:28:13.360
<v Speaker 2>Should I use it to pay off some credit card

0:28:13.440 --> 0:28:16.879
<v Speaker 2>debt to get my utilization below thirty percent? Or should

0:28:16.920 --> 0:28:18.680
<v Speaker 2>I use it? Or should I use a zero percent

0:28:18.760 --> 0:28:21.640
<v Speaker 2>transfer a balance transfer credit card to pay them off?

0:28:23.040 --> 0:28:23.399
<v Speaker 4>Thank you?

0:28:24.760 --> 0:28:27.960
<v Speaker 2>So five thousand dollars would knock out little less than

0:28:28.080 --> 0:28:32.639
<v Speaker 2>half of that eleven thousand dollars, so she wouldn't quite

0:28:32.720 --> 0:28:36.160
<v Speaker 2>get to thirty percent utilization.

0:28:36.960 --> 0:28:37.360
<v Speaker 3>Idea.

0:28:38.080 --> 0:28:39.480
<v Speaker 2>Is this the part where you ask her if she

0:28:39.480 --> 0:28:42.480
<v Speaker 2>has emergency savings?

0:28:41.040 --> 0:28:43.840
<v Speaker 4>I know where you're about to go.

0:28:45.920 --> 0:28:49.240
<v Speaker 3>You already know. I was like, oh, wait a minute,

0:28:49.280 --> 0:28:52.520
<v Speaker 3>back up, did you have yoh, Manny, that's so crazy.

0:28:52.520 --> 0:28:55.920
<v Speaker 1>I was literally thinking that Yes, I would say, Breezy, Breezy,

0:28:56.240 --> 0:28:59.240
<v Speaker 1>do you have emergency savings because it sounds like she

0:28:59.440 --> 0:29:02.880
<v Speaker 1>might not, so I would be hesitant to put all

0:29:02.920 --> 0:29:04.200
<v Speaker 1>this money toward debt.

0:29:04.800 --> 0:29:06.840
<v Speaker 2>Yeah, if you've got eleven grand and credit debt, it's

0:29:06.880 --> 0:29:08.880
<v Speaker 2>could be a sign that you have been turning to

0:29:08.960 --> 0:29:12.120
<v Speaker 2>credit every once in a while when you run short

0:29:12.120 --> 0:29:14.760
<v Speaker 2>on cash, and it's kind of become your emergency funds.

0:29:14.840 --> 0:29:17.920
<v Speaker 2>So tip's right, I mean, like putting that five thousand

0:29:17.960 --> 0:29:20.880
<v Speaker 2>dollars in the bank so you create emergency fund could

0:29:20.920 --> 0:29:24.560
<v Speaker 2>be one step. And then from there if your if

0:29:24.600 --> 0:29:26.200
<v Speaker 2>your credit is good. You don't mention what your credit

0:29:26.240 --> 0:29:29.080
<v Speaker 2>score is, but let's say it's above six eighty six seventy.

0:29:29.280 --> 0:29:31.280
<v Speaker 2>That's usually about what it takes to qualify for the

0:29:31.280 --> 0:29:34.640
<v Speaker 2>best zero percent interest balance transfer cards. Let's say you

0:29:34.680 --> 0:29:37.240
<v Speaker 2>can qualify for one of those, and you can transfer

0:29:37.280 --> 0:29:40.480
<v Speaker 2>your balances onto those cards that card and pay them

0:29:40.480 --> 0:29:43.160
<v Speaker 2>off slowly over time. That could be a great That

0:29:43.200 --> 0:29:46.600
<v Speaker 2>could be a smart strategy because then you can slowly

0:29:46.600 --> 0:29:49.160
<v Speaker 2>pay off that credit card debt and you have money

0:29:49.200 --> 0:29:52.800
<v Speaker 2>in the bank in case another unexpected you know, expense

0:29:52.960 --> 0:29:53.400
<v Speaker 2>pops out.

0:29:53.560 --> 0:29:56.760
<v Speaker 1>Path it I think that's probably the way. My only

0:29:56.800 --> 0:30:00.320
<v Speaker 1>concern is that if you I don't know how much

0:30:00.320 --> 0:30:03.000
<v Speaker 1>of the of what your limited for that with the

0:30:03.040 --> 0:30:05.760
<v Speaker 1>balance where you have the eleven thousand, so if you

0:30:05.800 --> 0:30:08.880
<v Speaker 1>are over thirty which well you say basically you are

0:30:08.920 --> 0:30:11.920
<v Speaker 1>over thirty percent, then my concern is that maybe your

0:30:11.920 --> 0:30:13.920
<v Speaker 1>credit score is going to be reflective of that, because

0:30:13.920 --> 0:30:17.680
<v Speaker 1>you know you're amounts old. It's thirty percent of your

0:30:17.680 --> 0:30:19.719
<v Speaker 1>credit score, so it's a significant a part of your

0:30:19.720 --> 0:30:22.720
<v Speaker 1>credit score is being negatively affected because you have a

0:30:22.760 --> 0:30:27.400
<v Speaker 1>balance over thirty percent of that credit card limits. So

0:30:27.480 --> 0:30:29.280
<v Speaker 1>that would just be my only concern that would she

0:30:29.520 --> 0:30:32.040
<v Speaker 1>qualify for a balanced transfer card?

0:30:32.040 --> 0:30:32.680
<v Speaker 3>But I mean I don't know.

0:30:32.840 --> 0:30:34.800
<v Speaker 1>I mean you might have some excellent other credit things

0:30:34.800 --> 0:30:36.600
<v Speaker 1>happening that this is offset by that.

0:30:37.920 --> 0:30:39.240
<v Speaker 3>So yeah, I would say Plan B.

0:30:40.440 --> 0:30:41.640
<v Speaker 1>You know, you don't have to say if you don't

0:30:41.640 --> 0:30:45.200
<v Speaker 1>feel comfortable saving the whole five thousand, fine, But if

0:30:45.240 --> 0:30:49.520
<v Speaker 1>you don't have a yes emergency savings, then you're going

0:30:49.560 --> 0:30:51.240
<v Speaker 1>to be right back in debt because you're an adult,

0:30:51.600 --> 0:30:54.480
<v Speaker 1>and then things happen unexpectedly to adults, and if you

0:30:54.520 --> 0:30:57.520
<v Speaker 1>don't have the cash to handle what happens unexpectedly, you're

0:30:57.560 --> 0:31:00.320
<v Speaker 1>just going to end up swiping your card again anyway, yep.

0:31:01.000 --> 0:31:04.000
<v Speaker 2>And with that easier percent interest promotion period, even for

0:31:04.040 --> 0:31:07.480
<v Speaker 2>a balance transfer, just beware that it may have a

0:31:07.560 --> 0:31:09.640
<v Speaker 2>deferred interest clause, which means if you don't pay it

0:31:09.680 --> 0:31:12.840
<v Speaker 2>off one hundred percent before that twelve month or eighteen

0:31:12.880 --> 0:31:15.320
<v Speaker 2>month periods over, they could just slap you with all

0:31:15.320 --> 0:31:19.200
<v Speaker 2>the interest all over again. So have a plan, you know,

0:31:19.280 --> 0:31:22.000
<v Speaker 2>be realistic. Can you actually make enough payments throughout the

0:31:22.080 --> 0:31:24.240
<v Speaker 2>year to pay it off before the promo period ends.

0:31:24.280 --> 0:31:28.320
<v Speaker 2>And another option besides balanced transfer is if you don't

0:31:28.320 --> 0:31:30.320
<v Speaker 2>feel confident one if you can't get approved for a

0:31:30.320 --> 0:31:32.040
<v Speaker 2>balanced transfer, or too if you don't think you have

0:31:32.080 --> 0:31:34.720
<v Speaker 2>the confident that you can pay you know, that much

0:31:34.760 --> 0:31:37.600
<v Speaker 2>money over the course of however many months to pay

0:31:37.600 --> 0:31:41.360
<v Speaker 2>it off in full before the promotion period ends. You

0:31:41.400 --> 0:31:44.040
<v Speaker 2>could also look at consolidating your credit card debt with

0:31:44.080 --> 0:31:47.760
<v Speaker 2>a personal loan, especially if you can get a personal

0:31:47.840 --> 0:31:50.840
<v Speaker 2>loan that has a lower APR than what your credit

0:31:50.840 --> 0:31:53.560
<v Speaker 2>cards may offer you. And with a personal loan you

0:31:54.120 --> 0:31:57.880
<v Speaker 2>have a fixed monthly payment a fixed term, there's no

0:31:58.240 --> 0:32:00.800
<v Speaker 2>risk of having deferred interest get you know, getting hit

0:32:00.840 --> 0:32:03.480
<v Speaker 2>with that if you don't pay it off, because they

0:32:03.520 --> 0:32:05.160
<v Speaker 2>create a plan for you to pay it off in

0:32:05.200 --> 0:32:06.080
<v Speaker 2>a certain amount of time.

0:32:07.400 --> 0:32:13.440
<v Speaker 4>So that's another another option for you. And hopefully that

0:32:13.520 --> 0:32:14.040
<v Speaker 4>was helpful.

0:32:14.520 --> 0:32:16.360
<v Speaker 2>Thank you very much for your question, Miss Breezy.

0:32:17.280 --> 0:32:20.200
<v Speaker 4>Yes Breezy, sorry for I just made that up. I'm

0:32:20.200 --> 0:32:23.120
<v Speaker 4>sorry for mispronounced your actual name. My bad.

0:32:39.600 --> 0:32:43.760
<v Speaker 3>Now it's time for boothe their break for all our family.

0:32:44.440 --> 0:32:48.920
<v Speaker 3>Will you booze? Will you break? Are you gonna boost

0:32:48.920 --> 0:32:51.520
<v Speaker 3>their break? Mandy?

0:32:51.880 --> 0:32:53.360
<v Speaker 1>You saw that repicks at the end because I'm like,

0:32:53.360 --> 0:32:56.240
<v Speaker 1>you know what I'm gonna sway. You know, I'm someone

0:32:56.280 --> 0:32:57.840
<v Speaker 1>you know I can't always do the same.

0:32:58.000 --> 0:32:59.960
<v Speaker 2>That's like when you're that's like when you're in the club,

0:33:00.080 --> 0:33:01.640
<v Speaker 2>been your showing off thing in the words and it's

0:33:01.640 --> 0:33:03.440
<v Speaker 2>the remix and you like, don't know the remix yet

0:33:03.480 --> 0:33:07.400
<v Speaker 2>because I was ready to like break it. Oh oh,

0:33:07.920 --> 0:33:10.520
<v Speaker 2>I don't know the words. I'm going to do a

0:33:10.600 --> 0:33:14.280
<v Speaker 2>break this week because it's been driving me a little nuts.

0:33:14.280 --> 0:33:16.600
<v Speaker 2>So I'm going to take a break from engaging with

0:33:16.640 --> 0:33:20.000
<v Speaker 2>the rumor mill at the office. Whether it can be

0:33:20.080 --> 0:33:23.480
<v Speaker 2>about anything you know about someone's personal business or about

0:33:23.480 --> 0:33:27.200
<v Speaker 2>someone's professional business, but I'm just at a point where

0:33:27.240 --> 0:33:30.760
<v Speaker 2>I just feel like there's people, certain people in offices

0:33:30.800 --> 0:33:34.880
<v Speaker 2>that really get off on like gossiping and spreading rumors

0:33:34.960 --> 0:33:37.880
<v Speaker 2>or not just even spreading rumors, but just like engaging

0:33:38.400 --> 0:33:41.600
<v Speaker 2>in rumors or trying to start rumors, and it's just

0:33:41.640 --> 0:33:44.520
<v Speaker 2>so much loss. It's like wasted energy because it can

0:33:44.560 --> 0:33:46.920
<v Speaker 2>cause people to stress out about things that don't even

0:33:47.440 --> 0:33:49.960
<v Speaker 2>that aren't even going to happen, or it can cause

0:33:49.960 --> 0:33:52.040
<v Speaker 2>people to feel bad about things that may not even

0:33:52.080 --> 0:33:52.520
<v Speaker 2>be true.

0:33:53.040 --> 0:33:55.160
<v Speaker 4>And I feel like.

0:33:56.120 --> 0:33:58.560
<v Speaker 2>As adults, we should just as much as you can

0:33:59.160 --> 0:34:03.000
<v Speaker 2>avoid And honestly, as a manager, vermer mills drive me

0:34:03.080 --> 0:34:09.160
<v Speaker 2>nuts because I feel like they undermine sometimes like as

0:34:09.160 --> 0:34:10.919
<v Speaker 2>a manager, you don't always want to tell you don't

0:34:10.960 --> 0:34:13.400
<v Speaker 2>you can't always tell people exactly what's going on because

0:34:13.400 --> 0:34:15.920
<v Speaker 2>you don't want to get people and I and I

0:34:15.960 --> 0:34:19.279
<v Speaker 2>purposefully do this. I'll withhold information if I'm worried that

0:34:19.800 --> 0:34:22.120
<v Speaker 2>there's not enough information, and it can just cause more

0:34:22.200 --> 0:34:26.399
<v Speaker 2>uncertainty because that will just like vermur Mills live on uncertainty.

0:34:26.600 --> 0:34:29.440
<v Speaker 2>They thrive on like the not having the full information.

0:34:29.560 --> 0:34:32.560
<v Speaker 2>So I'll like purposefully wait if I know there's like

0:34:32.600 --> 0:34:35.080
<v Speaker 2>people who gossip on the team because I don't want

0:34:35.120 --> 0:34:39.000
<v Speaker 2>to give them any fuel to flame fires of you know,

0:34:39.200 --> 0:34:42.680
<v Speaker 2>uncertainty or questioning you know what the bigger mission is.

0:34:42.719 --> 0:34:46.600
<v Speaker 2>So that's my break. I don't know if I'll ever

0:34:46.680 --> 0:34:50.560
<v Speaker 2>cure office gossip. Probably not, but it kind of just

0:34:50.640 --> 0:34:51.239
<v Speaker 2>drives me nuts.

0:34:52.080 --> 0:34:55.160
<v Speaker 3>There's there's like this. It's funny. It's like a gospel

0:34:55.320 --> 0:34:58.600
<v Speaker 3>rendition where it's like mind of business. Have you seen it?

0:34:59.280 --> 0:35:05.280
<v Speaker 3>Mind Business? It's hilarious. It's like mind business.

0:35:05.480 --> 0:35:08.560
<v Speaker 1>It's a gospel choir but singing like what you got

0:35:08.560 --> 0:35:11.959
<v Speaker 1>a mind to business? But it's hilarious and I think

0:35:12.560 --> 0:35:13.480
<v Speaker 1>everyone should do so.

0:35:13.640 --> 0:35:14.840
<v Speaker 3>And it's funny. Used to say that because I was

0:35:14.880 --> 0:35:17.840
<v Speaker 3>watching Joe Ostine last Sunday.

0:35:17.920 --> 0:35:20.040
<v Speaker 1>It was weird because I like literally went to sit

0:35:20.080 --> 0:35:21.000
<v Speaker 1>in the bed and like turned on.

0:35:21.080 --> 0:35:22.560
<v Speaker 3>I'm like, God, are you trying to tell me something?

0:35:22.760 --> 0:35:25.400
<v Speaker 1>And he came on and that one the one of

0:35:25.440 --> 0:35:28.759
<v Speaker 1>his closing messages was basically he literally said, mind your business.

0:35:28.880 --> 0:35:31.440
<v Speaker 3>I was like, oh, Joelah spicy this Sunday.

0:35:32.719 --> 0:35:36.480
<v Speaker 1>Yeah, It's it's very easy to get cart especially in

0:35:36.520 --> 0:35:38.880
<v Speaker 1>the social media world, you know, like the way we

0:35:38.920 --> 0:35:41.560
<v Speaker 1>live in social media, sometimes people take that offline, especially

0:35:41.600 --> 0:35:43.799
<v Speaker 1>as if they have access. Remember I told you that

0:35:44.320 --> 0:35:47.560
<v Speaker 1>a friend of a friend was like, ooh, Timmy doesn't

0:35:47.560 --> 0:35:50.480
<v Speaker 1>post by her husband like she used to, and like

0:35:50.520 --> 0:35:51.560
<v Speaker 1>I hope everything's okay.

0:35:51.840 --> 0:35:53.040
<v Speaker 3>She don't hope everything's.

0:35:52.719 --> 0:35:56.240
<v Speaker 1>Okay, Like you don't even know, you don't think okay,

0:35:56.400 --> 0:35:58.560
<v Speaker 1>that's just nosy, but you know, And the truth is,

0:35:58.600 --> 0:36:00.520
<v Speaker 1>I never I didn't even realize I had not posted

0:36:00.680 --> 0:36:03.040
<v Speaker 1>a supermanagement. I guess the truth is I don't engage

0:36:03.080 --> 0:36:04.600
<v Speaker 1>in social media like I used to. I used to

0:36:04.680 --> 0:36:07.440
<v Speaker 1>like live on social when I was really building my business,

0:36:07.480 --> 0:36:10.160
<v Speaker 1>and now I have a team that largely manages it.

0:36:10.280 --> 0:36:11.840
<v Speaker 3>So of course they're not posting my husband.

0:36:12.560 --> 0:36:15.839
<v Speaker 1>But we talked about Superman and Enrique all the time

0:36:15.920 --> 0:36:18.600
<v Speaker 1>here on the podcast, so it's not you know, but

0:36:18.680 --> 0:36:21.040
<v Speaker 1>I just thought that that was funny that, like, you know,

0:36:21.080 --> 0:36:24.560
<v Speaker 1>And it was funny because I posted for our second anniversary.

0:36:24.560 --> 0:36:26.160
<v Speaker 1>I posted, like, you know, just a quick like oh

0:36:26.440 --> 0:36:29.040
<v Speaker 1>second anniversary, love you babe. And then someone who listens

0:36:29.080 --> 0:36:31.319
<v Speaker 1>to Brown Ambition she wrote like, girl, you ain't have

0:36:31.360 --> 0:36:36.000
<v Speaker 1>to post this for hart like she could find it.

0:36:36.120 --> 0:36:37.320
<v Speaker 3>I love our listeners.

0:36:37.360 --> 0:36:41.799
<v Speaker 1>They're like, so yes, minding your business costs nothing. I mean,

0:36:41.840 --> 0:36:44.280
<v Speaker 1>we all could be a little nosy sometimes, but honestly,

0:36:44.360 --> 0:36:47.000
<v Speaker 1>it's really to your detriment when you mind someone else's business,

0:36:47.040 --> 0:36:50.760
<v Speaker 1>because you're taking away energy and time and effort from

0:36:50.760 --> 0:36:52.759
<v Speaker 1>some things that you can use to to grow your

0:36:52.800 --> 0:36:53.360
<v Speaker 1>own self.

0:36:54.560 --> 0:36:58.440
<v Speaker 2>Yep, all right, what about you booster break, I'm.

0:36:57.840 --> 0:37:00.000
<v Speaker 1>Gonna honestly, this is just random, but I'm gonna brand

0:37:00.520 --> 0:37:02.400
<v Speaker 1>I am so I don't know what's going on with Facebook,

0:37:02.440 --> 0:37:04.960
<v Speaker 1>so if anybody's a techie, so I was supposed to

0:37:04.960 --> 0:37:08.480
<v Speaker 1>go live, So I'm a what do they call it?

0:37:08.520 --> 0:37:09.240
<v Speaker 3>A brand?

0:37:10.080 --> 0:37:13.840
<v Speaker 1>And no, I'm financial wellness brand ambassador. I think that

0:37:13.880 --> 0:37:17.560
<v Speaker 1>they called me for Prudential Financial, which I love because

0:37:17.600 --> 0:37:20.720
<v Speaker 1>so many financial companies don't get that financial wellness should

0:37:20.760 --> 0:37:24.640
<v Speaker 1>be the should be the like the goal not having

0:37:24.640 --> 0:37:27.000
<v Speaker 1>a certain amount of money. As a prudential is really

0:37:27.040 --> 0:37:29.319
<v Speaker 1>starting to come around and understand that so much, so

0:37:29.400 --> 0:37:31.719
<v Speaker 1>they have this whole they have this whole push towards

0:37:31.760 --> 0:37:34.200
<v Speaker 1>financial wellness and how can we help you beyond just

0:37:34.640 --> 0:37:37.359
<v Speaker 1>retirement and insurance, but like, how can you be okay

0:37:37.400 --> 0:37:39.520
<v Speaker 1>as a person and how can you use your finances

0:37:39.560 --> 0:37:41.640
<v Speaker 1>to help support how you want to show up in

0:37:41.640 --> 0:37:42.000
<v Speaker 1>this world.

0:37:42.000 --> 0:37:45.200
<v Speaker 3>So I love being this brand ambassador for Prudential.

0:37:45.239 --> 0:37:47.759
<v Speaker 1>But anyway, I was supposed to go live because they

0:37:47.840 --> 0:37:51.120
<v Speaker 1>sponsored like a live class.

0:37:51.280 --> 0:37:52.799
<v Speaker 3>It was like, okay, this is It was like five

0:37:52.840 --> 0:37:53.839
<v Speaker 3>things to do to.

0:37:53.840 --> 0:37:58.000
<v Speaker 1>Prepare before the five things to do to prepare before

0:37:58.400 --> 0:38:00.440
<v Speaker 1>the new year, financially prepare the new year.

0:38:00.440 --> 0:38:02.719
<v Speaker 3>So I was excited. Supposed to go live. Click the

0:38:02.719 --> 0:38:03.640
<v Speaker 3>live button on my computer.

0:38:03.719 --> 0:38:06.920
<v Speaker 1>It says camera cannot connect and I was like what,

0:38:07.600 --> 0:38:10.120
<v Speaker 1>So I'm trying everything. So now I'm sweating bullets. Uh

0:38:10.239 --> 0:38:12.319
<v Speaker 1>you know, And I tried everything and it wouldn't work.

0:38:12.680 --> 0:38:14.399
<v Speaker 1>And I mean I got on the phone with every

0:38:14.400 --> 0:38:17.080
<v Speaker 1>tech person I could find. We ran through every single

0:38:17.120 --> 0:38:17.960
<v Speaker 1>scenario and.

0:38:17.880 --> 0:38:20.440
<v Speaker 3>It still doesn't work. So my brown break is like

0:38:20.520 --> 0:38:21.520
<v Speaker 3>freak and taken day.

0:38:21.760 --> 0:38:22.600
<v Speaker 1>I don't know.

0:38:22.840 --> 0:38:24.080
<v Speaker 3>So I'm supposed to go live tonight.

0:38:24.440 --> 0:38:26.040
<v Speaker 1>I'm gonna just do it for my phone, which is

0:38:26.080 --> 0:38:28.439
<v Speaker 1>not ideal because who wants to hold their phone because

0:38:28.719 --> 0:38:30.279
<v Speaker 1>I'm like a handsy person. I don't know if you

0:38:30.280 --> 0:38:31.719
<v Speaker 1>guys can tell. I know you can't hear me, but

0:38:31.880 --> 0:38:33.840
<v Speaker 1>even now I'm using my hands. I'm like, you know,

0:38:33.920 --> 0:38:37.920
<v Speaker 1>used to it to talk. But yeah, I just sometimes

0:38:38.000 --> 0:38:43.400
<v Speaker 1>it's like technology. Man, it's so convenient. It's inconvenient. But

0:38:43.440 --> 0:38:49.040
<v Speaker 1>if anyone is super tachy send me an Instagram, it'll.

0:38:48.840 --> 0:38:50.799
<v Speaker 4>Be too late tomorrow.

0:38:51.239 --> 0:38:53.479
<v Speaker 1>Well here's the thing, like in just in general, because

0:38:53.480 --> 0:38:55.399
<v Speaker 1>I go live like on Facebook and you know, all

0:38:55.400 --> 0:38:57.439
<v Speaker 1>the time, but I would say at least every month

0:38:57.560 --> 0:38:59.680
<v Speaker 1>or so, and so I don't know randomly why I can't.

0:38:59.680 --> 0:39:01.480
<v Speaker 3>So if someone's like, oh my gosh, I remember when

0:39:01.520 --> 0:39:02.799
<v Speaker 3>that happened to me, it's because of this.

0:39:03.320 --> 0:39:05.520
<v Speaker 1>I'm using Google Chrome. I reached out on my computer.

0:39:05.840 --> 0:39:07.799
<v Speaker 1>I cleared the history and the cookies and the cash

0:39:07.800 --> 0:39:09.680
<v Speaker 1>see and all that kind of stuff. Yes, I have

0:39:09.960 --> 0:39:13.440
<v Speaker 1>allowed like there's this button where you can allow Facebook

0:39:13.440 --> 0:39:15.440
<v Speaker 1>to have access to your computer and your microphone.

0:39:15.440 --> 0:39:17.239
<v Speaker 3>I did all of that. I did it all.

0:39:18.280 --> 0:39:20.920
<v Speaker 1>I did it all, and I still it's still not working.

0:39:20.960 --> 0:39:24.280
<v Speaker 1>So it's just frustrating. So that's my brown break because

0:39:24.280 --> 0:39:28.080
<v Speaker 1>it's started me from being great. So yeah, if anybody

0:39:28.200 --> 0:39:30.399
<v Speaker 1>you know, because I'm gonna likely go live next week,

0:39:30.440 --> 0:39:33.319
<v Speaker 1>So if anybody has any suggestions about what we can

0:39:33.360 --> 0:39:37.560
<v Speaker 1>do to get my computer camera, because like my camera,

0:39:38.000 --> 0:39:39.680
<v Speaker 1>like if I do FaceTime or anything, it works on

0:39:39.760 --> 0:39:42.480
<v Speaker 1>every other capacity. Just not with Facebook, and I do

0:39:42.520 --> 0:39:45.600
<v Speaker 1>not know why. Yeah, so just you know, I'd love

0:39:45.640 --> 0:39:48.480
<v Speaker 1>your feedback because it's breaking my spirits.

0:39:48.600 --> 0:39:51.080
<v Speaker 2>It is help Tiffany out all. Forward your response. It's

0:39:51.120 --> 0:39:53.239
<v Speaker 2>brandonbisionpodcast at gmail dot com.

0:39:53.120 --> 0:39:57.800
<v Speaker 3>Dot com. Well that was a good show. Those questions

0:39:57.800 --> 0:39:58.480
<v Speaker 3>were really great.

0:39:58.600 --> 0:40:00.840
<v Speaker 1>I love when you guys ask like now, well, you

0:40:00.840 --> 0:40:02.160
<v Speaker 1>guys always ask good questions.

0:40:02.320 --> 0:40:03.120
<v Speaker 4>Keep them coming.

0:40:11.600 --> 0:40:11.960
<v Speaker 2>Mhm.