Speaker 1: Hey, we're back. We're back. We're back, We're back. Maybe snars.
Speaker 1: What did you call them? Be a listener?
Speaker 2: Oh, but didn't I didn't get I didn't catch a
Speaker 2: like d listeners. Hey, guys, thank you for joining us
Speaker 2: for another week of Brown Ambition.
Speaker 1: Yes.
Speaker 2: Is it weird to you when you find out that
Speaker 2: random people listen to the show and they're like, oh, hey,
Speaker 2: are you I was talking to my friend and she's like, so,
Speaker 2: my sister doom't Be wanted me to tell you she
Speaker 2: loves the show and I was like, oh God.
Speaker 3: Or sometimes when I like someone said something to me,
Speaker 3: I'm like, yikes, I did say that on the show.
Speaker 2: Yeah, I and your family will. They'll be like, oh, yeah,
Speaker 2: so you did this and that, and I'm like, how
Speaker 2: did you know? Oh yeah, the show. They know all
Speaker 2: about your life before you.
Speaker 3: You you know what, Like, luckily my family doesn't really
Speaker 3: know I have a podcast, or they probably all in it.
Speaker 3: But it'll be weird because somebody will be like, oh,
Speaker 3: did you get too man to sign that prena?
Speaker 1: I'm like, oh wait.
Speaker 2: Because it's so we're really open on this show. I
Speaker 2: think that's part of the reason people have can I mean,
Speaker 2: I could be wrong, but it seems that people connect
Speaker 2: with the personal side. But then sometimes I'm thinking, did
Speaker 2: I really talk about that I know?
Speaker 3: And I'm like, well, hopefully the people that I love
Speaker 3: the most, you know, will try to blind ear to
Speaker 3: it all over exposed.
Speaker 2: I don't want to be overexposed. But anyway, I shout
Speaker 2: out to Doombe's my friend, Toulu's sister and putting on blast.
Speaker 2: But how how is your week?
Speaker 1: Ben? It's been much? Yeah, it's been good.
Speaker 3: So the the Live Richer Academy reopen registration again.
Speaker 1: Uh it's been eight months. And I'm not gonna lie.
Speaker 3: Have you ever done something or created something and you're like, yeah,
Speaker 3: I'm not in love with it.
Speaker 2: Like all the time, and so things right tweets and.
Speaker 3: So it sucks because especially like I'm like, I always
Speaker 3: like to deliver excellence. So when I first opened the Academy,
Speaker 3: it was like the baby that would not go to sleep.
Speaker 3: I was like, come on, I'm doing everything possible to
Speaker 3: make this thing good, and I just felt like I
Speaker 3: could not.
Speaker 1: I don't know, it just wasn't doing what I wanted it.
Speaker 3: And now, honestly, I love the Academy you have to
Speaker 3: come on as an instructor, like as an ASCI expert
Speaker 3: on a Sunday night.
Speaker 1: But I love it.
Speaker 3: It's so dope's it feels good like we're finally at
Speaker 3: a place where I'm like, yes, this is what this
Speaker 3: is why I started. The academy is exactly what I want.
Speaker 3: And registration has been opened for about a week and
Speaker 3: we close Tuesday.
Speaker 2: Oh you tell them what it is, though, I don't
Speaker 2: think we've really talked about the academy.
Speaker 1: So the Literature Academy is a online school that I
Speaker 1: created to really help women take their personal finances to
Speaker 1: the next level. So I believe that basic financial education
Speaker 1: should be free, like this is how you budget, this
Speaker 1: is how you save, this is how you get out
Speaker 1: of debt, stuff like that. But to me, the next level,
Speaker 1: you know, because you can't budget your way to wealth
Speaker 1: or debt free your way to wealth. So through the Liverature.
Speaker 3: Academy, we I invite experts on, sorry, I invite experts
Speaker 3: on to come and teach specific courses like investing, like
Speaker 3: taxes for small business, like like last night we did
Speaker 3: a lesson called your your your mentality, and your wealth,
Speaker 3: Like how are those things connected and it was awesome.
Speaker 3: And so these experts come on and teach what I
Speaker 3: could not teach. And the academy is a monthly fee,
Speaker 3: or you can pay for six months, or you can
Speaker 3: pay for a year, and so it's been really great
Speaker 3: and we close we close the doors for registration.
Speaker 2: March seventh's today if you're listening right now, it's today exactly.
Speaker 3: So if you're interested, you can always go to Live
Speaker 3: Richer Academy dot com and just kind of take a peek.
Speaker 3: It's just been like a labor of love, and I'm
Speaker 3: starting to see the transformation. Women are starting businesses, they're
Speaker 3: buying homes, and I'm just really proud of it because
Speaker 3: it was not that great in the beginning. For those
Speaker 3: of you who stuck with us, thank you, But now
Speaker 3: I love it. It's like my beautiful baby, she's all
Speaker 3: grown up.
Speaker 2: All that's good to hear. And that's kind of like
Speaker 2: the next level. It's a master's course for like the
Speaker 2: people who do the challenge right, like the Live Ritual Challenge.
Speaker 3: So it's like just the next level because you know,
Speaker 3: I just feel like if all you ever do is
Speaker 3: like the basics, and that's where you stay you don't
Speaker 3: want to be basic.
Speaker 2: Basic BA listeners. Yeah, well congrats, that's awesome.
Speaker 1: Thanks. So what about you? How's I? You know, you're
Speaker 1: coming around the bend.
Speaker 2: Oh, just around the wedding bend. So this is the
Speaker 2: week when I on my calendar all these red all
Speaker 2: these red reminders are popping up saying this vendor's check
Speaker 2: is due, this last deposits due. Oh my god, and
Speaker 2: someone I need I So I follow the DreamCatcher's Facebook page,
Speaker 2: which is you know, obviously Tiffany's page for all people
Speaker 2: who are part of the liver Her Challenge. Some of
Speaker 2: these women had. One of these women had the audacity
Speaker 2: to post a college humor video on how pointless weddings are.
Speaker 2: And I sat there and watched this video and I
Speaker 2: was like, why am I doing? But then I was like, no,
Speaker 2: it's okay, it's fine to have a wedding. In fact,
Speaker 2: when I it was the what basically the video. When
Speaker 2: I first got engaged, I went out and got this
Speaker 2: book called The Wedding Industrial Complex, which is great. It's
Speaker 2: an excellent book. It's about like the industrialization of the
Speaker 2: wedding and like how it's been commercialized and how it
Speaker 2: didn't even exist one hundred years ago, and the College
Speaker 2: Humor video basically did the same thing. And it's like
Speaker 2: Nobe even wore white dresses until the nineteen twenties when
Speaker 2: Queen Victoria in London, England wore a white dress to
Speaker 2: show how rich she was. Like that is how young
Speaker 2: that tradition is. And then look what were how much
Speaker 2: we're spending now on these white wedding gowns, And I
Speaker 2: just wanted people didn't even used to carry bouquets of
Speaker 2: flower I learned flowers in their hands. They used to
Speaker 2: carry herbs to ward off evil spirits, like like cilantro,
Speaker 2: like the garlic, like a Caesar salad down the aisle. Yeah,
Speaker 2: it's funny, but I will say the one thing about
Speaker 2: this wedding that's helping me sleep at night because it's
Speaker 2: not cheap, but it's not as expensive as it could
Speaker 2: be if it were in New York. And I just
Speaker 2: I looked. I was looking at our guest list this
Speaker 2: past week and I literally could not I could not
Speaker 2: put together a better group of people. And it's just
Speaker 2: gonna be the most spectacular, fun weekend with all the
Speaker 2: people that we love and like, uh, I really, I'm
Speaker 2: proud of that we've been focusing it and focusing on
Speaker 2: the people and the love part of things, and not
Speaker 2: like we're not like you're not gonna have there's not
Speaker 2: gonna be I'm sorry, tiffing. There's not gonna be like
Speaker 2: a swan made out of ice. We're not gonna have
Speaker 2: like a crazy photo booth. We're not spending like, we're
Speaker 2: not spending money on a bunch of junk. We're just
Speaker 2: spending it on like everything that matters to us and
Speaker 2: that makes me happy. And that's my wedding, my wedding rant.
Speaker 1: Well, I can't because you know I'm a bit air.
Speaker 2: Just live vicariously through my crazy ass wedding and you'll
Speaker 2: have your very simple one and your house, and I'll
Speaker 2: have polaroids of my wedding. Yeah, but it's coming up.
Speaker 2: I can't believe it's just a month away. But meanwhile,
Speaker 2: the world's falling apart, continuing to fall apart. No, I
Speaker 2: feel like I'm just gonna have like a permanent handprint
Speaker 2: on my forehead, like from all the foolishness. I just
Speaker 2: read before before we got on the air, I read
Speaker 2: that Ben Carson mister gifted hands himself was giving some
Speaker 2: speech and talking about the power of immigrants, and then
Speaker 2: he went on to say, wait, I need to actually
Speaker 2: read this quote because you need to know how insane
Speaker 2: it is. He says, that's what America is about, a
Speaker 2: landed dreams and opportunity. There were other immigrants who came
Speaker 2: here in the bottom of slave ships, worked even longer,
Speaker 2: even harder, for less, but they too had a dream
Speaker 2: that one day their sons and daughters would pursue prosperity
Speaker 2: in slave ships. He calls them immigrants.
Speaker 1: Immigrants.
Speaker 3: Oh my god, yo, honestly, you know what Ben Carsion
Speaker 3: reminds me of. So, you know, before reality TV shows,
Speaker 3: like you would like look up to celebrities like, oh
Speaker 3: my gosh, she seems really smart and cool, and then
Speaker 3: reality shows came out, and then celebrities are on them,
Speaker 3: You're like, oh my gosh, that person is an idiot.
Speaker 1: I wish they would have never.
Speaker 3: Because, you know, because when you just see pictures of people,
Speaker 3: you know, you can kind of impose upon them how
Speaker 3: awesome you think there are, and then when they actually
Speaker 3: open their mouth, you're like, oh, well, there goes all
Speaker 3: of my hopes and dreams. My father gave me Ben
Speaker 3: Carson's gifted hands to read.
Speaker 1: I was so impressed. I mean, this man, it's so
Speaker 1: weird because, yeah, it's clear that this man is brilliant.
Speaker 1: Obviously a brilliant surgeon, a brilliant ghost writer, right, no, well,
Speaker 1: a brilliant surgeon.
Speaker 3: You know, like you can't take the fact that he's
Speaker 3: a brilliant surgeon away from him, and you're like, where
Speaker 3: is he an idiot savant? That's the only that's the
Speaker 3: only answer that I have that clearly that his brilliant stops.
Speaker 3: He literally leaves it inside the surgery room when he
Speaker 3: puts down his his like you know, I don't know,
Speaker 3: like scalpel and stuff.
Speaker 1: He says, well, here's my brilliance. I'm going to leave
Speaker 1: this here and walk into the world foolish.
Speaker 2: You need to have a well rounded life, as you
Speaker 2: can be speaking those smart kids in school who are
Speaker 2: very socially awkward and don't really have well rounded like
Speaker 2: like world view. I feel like sometimes if you spend
Speaker 2: too much time in the books or inside of bodies
Speaker 2: or whatever you don't like, you start thinking things like, yeah,
Speaker 2: maybe slaves were immigrants just brave it, Like that's nuts.
Speaker 1: I don't.
Speaker 3: I if if one more person says like, I didn't
Speaker 3: speak to Russia, okay to Russia.
Speaker 2: Just cutdang. I forgot just just so weird when they
Speaker 2: came over lunch that one time. I forgot. Yeah, And
Speaker 2: the foolishness this weekend with with with Voldemort and what
Speaker 2: he said about Obama, who does not Obama is like
Speaker 2: literally Obama is somewhere right now getting like a foot
Speaker 2: massage and.
Speaker 3: Just picture recently Michelle and like this cute black outfit. Yo,
Speaker 3: he's looking so cool with his leather like butter leather jacket.
Speaker 1: They are chilling, chilling, talking about I was wire tapped.
Speaker 1: Could you honestly just shut up? Just just shut up,
Speaker 1: just shut up. I'm like, what are you talking? The
Speaker 1: CIA was like what are you? What?
Speaker 3: The FBI everyone, what are you talking about? That doesn't
Speaker 3: even make that's a serious allegation, you crazy nincome poop.
Speaker 2: But don't worry. He'll be an investigation. He'll be proven right,
Speaker 2: is what he was quoted us saying by one of
Speaker 2: his friends while he was at mar A Lago resort
Speaker 2: for yet another weekend spending millions of dollars of taxpayers
Speaker 2: dollar taxpayer money, going to the winter White House where
Speaker 2: he wanted to tweet out this. I mean, even if
Speaker 2: it's true, the fact that he would tweet it before,
Speaker 2: I mean it's not true. I mean Obama has he
Speaker 2: had a pull. I'm just mad. He stole a moment
Speaker 2: of peace from Obama's retirement. He deserved some sleep and
Speaker 2: you know, relaxation. He had to put out a statement
Speaker 2: denying these accusations. But even if in a crazy universe
Speaker 2: they were true, the fact that we have a president
Speaker 2: who would be tweeting that before it was proven.
Speaker 3: Right, like before you go to the actual authority to say, hey,
Speaker 3: I think the law was broken, let me tweet to
Speaker 3: my peeps.
Speaker 1: That's literally what he said. He said, you know what,
Speaker 1: I have something to say to my peeps.
Speaker 3: Let me tweet, Hey, y'all, somebody seriously broke the law
Speaker 3: and committed treason.
Speaker 1: What y'all think? Like, what do you say?
Speaker 3: I just, honestly, the only thing that gives me any
Speaker 3: solace Ballas and all of this is I love lovey
Speaker 3: awesomely Love's blog posts, yo, everything.
Speaker 1: They are life. They are hilarious and I.
Speaker 3: Will read them whenever something crazy comes out Because she
Speaker 3: always puts this just delicious, hilarious spin on things that.
Speaker 1: Makes me say, Okay, I can live another day.
Speaker 2: Yeah, I mean you do have to laugh at it.
Speaker 2: But at the same time, it's like, so he had
Speaker 2: a speech last week and everyone was just falling all
Speaker 2: over themselves because he didn't sound like a complete like moron.
Speaker 2: I'm like, the bar is so low. So he strung
Speaker 2: some words together for a solid hour, and we're all
Speaker 2: just like, look at you, go, look at you and
Speaker 2: your big boy pants making sentences make sense, Like that
Speaker 2: can't be the bar for our president. It's just so
Speaker 2: sad and this, you know, he's he's done so many
Speaker 2: crazy things. It's it's like we've almost what I'm afraid
Speaker 2: of is that we're gonna get too used to the
Speaker 2: craziness and that I mean if if so so many
Speaker 2: times throughout his campaign and now it's like if it
Speaker 2: had been anybody else, you'd have been out anybody else.
Speaker 2: But I don't know what what what magic hold he
Speaker 2: has over some people, But it's like he is the
Speaker 2: cockroach that will not die.
Speaker 3: Yeah, no matter how many times you stop on it,
Speaker 3: no matter how many times you spray it, it just
Speaker 3: flips back over and runs into the Darkness girls.
Speaker 1: When they put that over, it's like I got I
Speaker 1: was dead, I'm a roach. I'm gonna be here forever.
Speaker 1: I love.
Speaker 2: Do you watch Jesus and Marrow. Do you know them?
Speaker 2: They're the Bodega Boys podcast? Oh you have to. They
Speaker 2: are everything. Don't tell my fiance because I tease him
Speaker 2: because he loves them so much and I'm like, oh
Speaker 2: them again, But uh, they're really for funny as hell.
Speaker 2: They're just like these two. They're two guys from the Bronx,
Speaker 2: Jesus and Marra who childhood friends. They started a podcast
Speaker 2: called the Bodega Boys. Like just really just like they
Speaker 2: I can't even describe them, but just just real guys
Speaker 2: having conversations about current events and being like like vulgar
Speaker 2: and like whatever, but hilarious, like hilarious commentary on everyday things.
Speaker 2: And they got a show on Vice actually, and the
Speaker 2: show is doing like amazingly well and they have the
Speaker 2: most hilarious takes on They call him Tornpito and they
Speaker 2: called Sean Spicer Adobo because he's got spice. They're just
Speaker 2: freaking hilarous. Can't even say half of what they say
Speaker 2: because it's like extremely vulgar and it sounds stupid coming
Speaker 2: from my own mouth, but them, I think they're But
Speaker 2: I live for like people like that who can at
Speaker 2: least like it's like we're watching Trump and we're staying woke,
Speaker 2: but then you still kind of have to laugh a
Speaker 2: little bit at the insanity of what's happening. And I
Speaker 2: and yeah, we just need to like keep shining a
Speaker 2: light on this foolishness. And Ben Carson used to go
Speaker 2: sit down somewhere.
Speaker 1: If anybody needs some just like some release.
Speaker 3: There's I don't remember a while ago, maybe it was
Speaker 3: like late last year, there was like this comedian that
Speaker 3: she was like on Instagram. Her name is a but
Speaker 3: she played a character named Shirlene, like the older black woman.
Speaker 2: Yeah you talked about her before, Yeah, yeah.
Speaker 1: Oh my goodness.
Speaker 3: So she has a new video out so if you
Speaker 3: just need a giggle her Her Instagram is the Christie
Speaker 3: c h R. I s T I Show, The Christie
Speaker 3: Show like her videos are so it's clean comedy. So
Speaker 3: for those of you whore and not into like cursing.
Speaker 3: Whatever she is. I guess she's Christian. Yeah, she's obviously Christian,
Speaker 3: but that's not like what her like her stick is like, oh,
Speaker 3: even though she a young woman, she dresses up like
Speaker 3: an older black woman, like rooted in the church. And
Speaker 3: when I say hilarious, oh, like I just can't describe.
Speaker 1: So yeah, so if you get a chance, And that's
Speaker 1: what I do.
Speaker 3: Sometimes when I'm like overwhelmed with like the darkness in
Speaker 3: the world and I'm like, I can't take like what
Speaker 3: I love you, Carls Cheeto Satan.
Speaker 1: I can't say Cheeto Satan, I will go.
Speaker 3: To her Instagram page and I will giggle my LifeWay
Speaker 3: and I'm like, thank you Christy aka Miss Shirley, and
Speaker 3: you make everything better. So just a little, you know,
Speaker 3: just a little, a little time away from all the craziness.
Speaker 2: Is there something? Could you maybe come closer to the
Speaker 2: mic or something? It sounds like you're a little far away.
Speaker 1: Can you hear me? Now?
Speaker 2: Speak again?
Speaker 1: How does it sound now?
Speaker 2: Okay, it's a little bit better.
Speaker 1: Yeah, okay, let me put I'm gonna pop it up.
Speaker 1: Hold on, So it's a little bit closen to my man.
Speaker 1: All right.
Speaker 2: I have to say I was just I was just
Speaker 2: browsing in the New York Times headline right now, the
Speaker 2: main story is that the Republicans finally unveiled their replace
Speaker 2: span for Obamacare, and I am trying to read. So
Speaker 2: what was expected for them to replace it with was,
Speaker 2: you know how on the Obamacare, the Healthcare Exchange right
Speaker 2: now you get tax subsidies that lower the cost of
Speaker 2: your health plan. Essentially, what they're doing is they're removing
Speaker 2: the mandatory part of the bill, which the mandate, which
Speaker 2: says that everyone has to have healthcare or face a
Speaker 2: tax penalty. And it looks like they are going to
Speaker 2: give income wait, let me see. It looks like they're
Speaker 2: going to do tax credits that would completely replace everything else.
Speaker 2: So instead of requiring you to have health insurance, they're
Speaker 2: going to say, if you do get health insurance, will
Speaker 2: give you tax credits. And they're going to get bigger
Speaker 2: with age. And the idea behind that is that as
Speaker 2: you age, coverage gets more expensive. But it's happening, y'all,
Speaker 2: it's happening. Stay woke.
Speaker 3: So I mean, so they're basically keeping it except for
Speaker 3: they're going to give tax credits.
Speaker 2: I haven't read the entire thing. This is a very
Speaker 2: short article. This new is like just came out, so
Speaker 2: I don't want to. I don't want to misspeak. There'
Speaker 2: probably be more information and more analysis tomorrow. But yeah,
Speaker 2: that was one of the things that they were that
Speaker 2: the individual mandate from the very beginning was a huge
Speaker 2: point of contention for the law, and I knew they
Speaker 2: were always going to try and get rid of. That's
Speaker 2: what this doesn't with. This article doesn't say yet is
Speaker 2: whether or not Trump always said he would try and
Speaker 2: keep the pre existing condition coverage for people. Not clear
Speaker 2: from this article if he's doing that or not. But
Speaker 2: if you have Obamacare, you rely on it. Definitely pay
Speaker 2: attention to the news right now for sure. And this
Speaker 2: plan is just a plan. It hasn't been voted on,
Speaker 2: nothing like that. It's just finally, it's like finally, for
Speaker 2: months and years they've been talking about, you know, Obamacare
Speaker 2: being a piece of crap, but never had anything better.
Speaker 3: So yeah, no, But if they're like to me, I
Speaker 3: don't like, you know, the getting rid of the mandate,
Speaker 3: I mean, I can't say financially, you know, for the
Speaker 3: economy what that means, but I can see that being like, oh, okay,
Speaker 3: and then you know tax credit, that's that's a good thing.
Speaker 3: But I'm like, really, so Baitically, I'm like, y'all just
Speaker 3: gonna keep the same plan.
Speaker 1: Look at you because you don't have any plan. But anyway,
Speaker 1: we'll see the biggest.
Speaker 2: Thing with the with the plan is that it's just
Speaker 2: it's a little bit too unrealistic and and all the
Speaker 2: sort of analysis of its plan has said it would
Speaker 2: cost the government. I think that one of the I
Speaker 2: went on of the gosh. I can't remember if it
Speaker 2: was billion or trillion. That's a big that's a big difference.
Speaker 2: I don't want to misspeak, but it was like five
Speaker 2: billion or trillion dollars it was going to cost over
Speaker 2: the next like ten years. If if Trump's campaign version
Speaker 2: of of of tax and health care changes, what's going
Speaker 2: to an effect. So I don't know what it'll cost,
Speaker 2: but it does feel like his in his magical world
Speaker 2: of lollipops and and golf courses. It's like everyone gets
Speaker 2: tax breaks, but who's where's the money coming from? And
Speaker 2: by the way, we're spending like twenty billion dollars on
Speaker 2: a wall on our on the Mexican border, and I'm
Speaker 2: like and raising our defense fund and we're already one
Speaker 2: of the countries that spends more than like all the
Speaker 2: biggest stations combined on defend spending. I just I was like,
Speaker 2: as a budgeting person, as you can imagine, I'm sure
Speaker 2: you're just like, this ain't lining up, yeah.
Speaker 3: Because you're like, so, you know, money doesn't just poof,
Speaker 3: unto real life look like thin air, like if you take,
Speaker 3: if someone is receiving, someone is losing. That's just the way, like,
Speaker 3: you know, things go out. Yeah, I guess we'll see.
Speaker 3: I mean, yeah, I guess we'll see. You don't have
Speaker 3: to just you look up and you sigh, like you know,
Speaker 3: it's so crazy. I still haven't gotten over. Like there'll
Speaker 3: be times when I'm on like you know, social media
Speaker 3: or like the new a news site, and then I'll
Speaker 3: see him and they'll say President Trump, and I'm like.
Speaker 2: Like, like listen. I had to correct our reporter and
Speaker 2: have her put President in the headline because I was like,
Speaker 2: we can't just say Trump anymore. We have to respect
Speaker 2: the office put president. Gritting my teeth the entire time,
Speaker 2: we're like, I'm.
Speaker 1: Like, wait, this is real. Wait, it's got a drill.
Speaker 2: Nope, But we can only hope that if things keep
Speaker 2: going the way they're going. I don't know, what else.
Speaker 2: I mean, what what's it going to take to get this
Speaker 2: guy impeached? That's what I want to know.
Speaker 1: Like what.
Speaker 2: But in a bit of like lighthearted news, did you
Speaker 2: see the video of the two little boys, the white
Speaker 2: boy and the black boy, and how the little white
Speaker 2: boy asked for a haircut to shave his head so
Speaker 2: that he would confuse his teacher. They would be twins.
Speaker 2: I want to put them in like a little diny
Speaker 2: dime capsule and protect them from the world.
Speaker 1: You can't tell a difference. It's like, oh I can't,
Speaker 1: but that is so adorable. I did. I love that.
Speaker 2: I wonder if they if there's I'm sure there is,
Speaker 2: but like at what age do kids start realizing? Like
Speaker 2: what age do a society mess up kids and their
Speaker 2: perception of race? You know?
Speaker 1: No, you're right though.
Speaker 3: I remember, like, for example, like when I used to
Speaker 3: teach preschool, there's this little boy named Gino, and Gino
Speaker 3: like he had just come from I think Puerto Rico
Speaker 3: or the Dominican Republican. He couldn't speak any English, and
Speaker 3: I remember worried, being worried, like, oh, you know, how's
Speaker 3: he kind of acclimated the class because he's not going
Speaker 3: to be able to communicate.
Speaker 1: And like, I remember, like the kids were like, you know,
Speaker 1: he came in day.
Speaker 3: One playing and then I had to pull a little
Speaker 3: girl to the side she was playing with him. I said,
Speaker 3: you know, just so you know, you know, Gino doesn't
Speaker 3: speak any English. She looked at me like I was crazy,
Speaker 3: like what are you talking about?
Speaker 1: You can write?
Speaker 3: And I thought to myself, Wow, kids communicate on a
Speaker 3: totally different level.
Speaker 1: She's like, he doesn't speak English, like, but yet they.
Speaker 3: Were speaking maybe yeah, exactly like we like they were
Speaker 3: talking and they were playing and you know, like and
Speaker 3: I thought, wow, Like it was clear they were communicating
Speaker 3: and they had worked out a little game that they
Speaker 3: were playing, and I thought, wow, how because at three
Speaker 3: and four, you know, kids speak they're like, you know, hey, Mims, Tiffany,
Speaker 3: I'm hungry. It's not like she's like, oh you know, so,
Speaker 3: I'm like, well, he's speaking to you in Spanish and
Speaker 3: you're speaking to him back in English, and yet they
Speaker 3: were communicating obviously beyond just language, and I'm just it
Speaker 3: just made me remember like, wow, kids are so awesome.
Speaker 3: And he didn't have any trouble on me. His really
Speaker 3: within like a month or two, he started to really
Speaker 3: pick up on certain words and able to like string
Speaker 3: sentences together without any sort of like formal These are
Speaker 3: your English lessons.
Speaker 1: And I just thought, wow, oh yeah, yeah, kids are awesome.
Speaker 2: I think my fiancee learned English from The Price Is Right.
Speaker 2: He told me he would watch The Prices Right and
Speaker 2: like all these like sitcoms with his grandma. That's how
Speaker 2: he learned. The kids are kids are amazing and those
Speaker 2: boys were adorable, so he.
Speaker 1: Was so happy.
Speaker 3: I was like, look at and first of all, when
Speaker 3: you see like boys who are friends, because like you know,
Speaker 3: when boys.
Speaker 2: Get older, they're too cool to like hang like to
Speaker 2: say that they love their friends.
Speaker 1: But friend, yeah they are too cool for that. But
Speaker 1: then yeah, boys they're so sweet.
Speaker 2: But again they need to just be preserved somewhere, not ruined.
Speaker 3: And I'm glad that his mom and his parents, you know,
Speaker 3: they're like because you know, that's to be commended to
Speaker 3: because they they could have you know, not been like
Speaker 3: what no, you know.
Speaker 2: And re read at Harvard come on, yes, and that
Speaker 2: fabulous tweed off the shoulder, delightful, she's like your business suits.
Speaker 1: Yeah, she was like, so I made it to Harvard.
Speaker 1: That opening line was everything horrible.
Speaker 2: I had no idea. I mean that just shows I
Speaker 2: she really doesn't like speak loud about it or stoud
Speaker 2: about it. But I had no idea she was. She
Speaker 2: was like building clinics and like schools and stuff, and uh,
Speaker 2: where is she from Trinidad? Yeah, Trinidad and Tobagel.
Speaker 1: Yeah, awesome, because you're right.
Speaker 3: You know, when you think of Rihanna, you think of like, oh,
Speaker 3: badgirl Rihanna, and not realizing just how much.
Speaker 1: Good she does in the world, not just musically.
Speaker 3: Yeah, because I remember I kind of was awakened to
Speaker 3: it last year. I went to Black Girls Rock and
Speaker 3: they honored her for the things she was doing. They
Speaker 3: had like a little montage video and I was like,
Speaker 3: wow they did Okay, Yeah.
Speaker 2: It does feel like yeah, I remember, because she like
Speaker 2: she took time and talked with the little girls and stuff.
Speaker 1: Yeah.
Speaker 2: She seems like a really you know, I've read some
Speaker 2: of her interviews and I like what she has to
Speaker 2: say about relationships a lot. She says she's like single,
Speaker 2: she's been single, and she was talking talking about how
Speaker 2: she's just enjoying being by herself and and you know,
Speaker 2: not dating right now. It doesn't really feel the need
Speaker 2: to date. And I don't know. I think, yeah, I think,
Speaker 2: I don't know. Maybe it's just me, but I feel
Speaker 2: like I underestimated Rihanna is just like the work.
Speaker 3: Yeah, no, she's you know, totally deeper than just the
Speaker 3: weed smoking Rihanna we see on our Instagram.
Speaker 2: Sorry, I'm not I did not know. I apologize and
Speaker 2: other cute news. Can Blue Ivy get more fabulous?
Speaker 1: I know this hair? I'm like, yeah, get into these braids.
Speaker 2: Did you see that they went to the Beauty and
Speaker 2: the Beast premiere? What a charmed life, as Little Girl leads.
Speaker 2: I'm waiting for the VHS tape to come out, not
Speaker 2: even the real one. My dad would get the bootleg
Speaker 2: VHS tapes. I remember watching Pocahontas and for the I
Speaker 2: didn't realize how much I was missing as a kid
Speaker 2: because I only saw like half the screen in every movie.
Speaker 2: My dad would get off the street like the bootleg
Speaker 2: VHS is and I'd be like, is there. I would
Speaker 2: think that there was laughing tracks. No, that's just people
Speaker 2: in the theater laughing like all these I remember I
Speaker 2: watched the real version of Pocahontas as an adult, and
Speaker 2: I was like, where's a laughing at like all the
Speaker 2: parts of the Little Raccoon. The audience would crack up, Yeah, seriously,
Speaker 2: and there would be like, you know, the like because
Speaker 2: the camera whatever camera this was back in the nineties.
Speaker 2: It wasn't even a good camera, so people recording in
Speaker 2: the theater would like you cut off parts of the screen.
Speaker 1: Yeah.
Speaker 2: So I was like, oh, I know she was. That
Speaker 2: was such a big land and that was a big boat.
Speaker 1: Yes, hilarious laughing.
Speaker 2: Meanwhile, Blue Ibby is getting to go to the damn premiere.
Speaker 2: She's like, I'm gonna see this two weeks earlier than
Speaker 2: anybody else. Fabulous and like the cutest mommy and me outfits.
Speaker 2: I don't know if you saw yet, but theances were
Speaker 2: in like a fabulous green dress and blue Ivy matches
Speaker 2: and she's smiling. I don't feel like I see Blue
Speaker 2: Ivy smile very much.
Speaker 1: Yeah, yeah, I feel like she does it.
Speaker 3: But you saw like she there was a picture of
Speaker 3: her and her father like front row at like a
Speaker 3: basketball game and they're making the same kind of like
Speaker 3: face and I was like, oh, the.
Speaker 2: All Star game.
Speaker 1: Yeah. So let's just wait till these twins get here.
Speaker 1: They're gonna be stomping the yard.
Speaker 2: I don't know if the world is ready. I know,
Speaker 2: and she looks like she's nine months pregnant already, like
Speaker 2: she got the secret for a long time.
Speaker 1: I have to say, like, well, I guess twins are different.
Speaker 3: Like looking at her pregnant now, I could see where
Speaker 3: people were.
Speaker 1: Like, she wasn't pregnant before, but then again, these are twins.
Speaker 2: Stop it. She was pregnant. Come on, but she posted
Speaker 2: pictures of her pregnant billy, I know, but she.
Speaker 1: Didn't look that pregnant.
Speaker 3: But anyway, I'm gonna let it go because I'm going
Speaker 3: to say that she is very pregnant, clearly pregnant. Yes,
Speaker 3: and I cannot wait to see these babies pop out.
Speaker 1: Queen Bee right, I would wait a girl.
Speaker 2: Oh, I don't know. I hope it's two boys. I
Speaker 2: think two boy twins. That's adorable.
Speaker 3: Oh man, they're gonna be tearing up all these young
Speaker 3: girls out here. Get ready for your heart to be broken.
Speaker 2: Oh lord, they just need to be like the antithesis
Speaker 2: of the Kanye West babies. That's all the West babies.
Speaker 2: I don't even want to know.
Speaker 3: Right, Oh, but North is just so cute and I
Speaker 3: don't see much of Saint sat West that name.
Speaker 2: I was trying to think of that baby's name.
Speaker 3: Yeah, but they're both really just like I mean, North
Speaker 3: is gorgeous and Saint is so cute.
Speaker 1: So well, you never know.
Speaker 3: Up being the most normal, you know, sometimes people come
Speaker 3: from crazy parents and end up being super normal.
Speaker 2: Like who give me some examples? Those Jackson kids are
Speaker 2: kind of I don't know.
Speaker 1: I'm trying to think, like, yeah, who has crazy parents
Speaker 1: and they're normal?
Speaker 2: Who will be optimistic?
Speaker 1: Yes, exactly, That's what We'll just say that.
Speaker 3: Maybe there's some grand there's some praying, uh praying uncles
Speaker 3: and aunties and uncles in their life that are like
Speaker 3: praying coverage over them, the blood of Jesus.
Speaker 2: All that I wish upon them. Many good therapists.
Speaker 3: Yes it is time to break or boom boom, I
Speaker 3: will tell you I'm gonna take a brown break from
Speaker 3: this helter skelter schizophrenic weather.
Speaker 1: I'm like, what it's.
Speaker 2: Abny, Like I am in the northeast right now.
Speaker 3: I don't even know like what Like every day I'm like,
Speaker 3: so is it T shirt or literally snorkel like it's
Speaker 3: it's so crazy where and it could even go from
Speaker 3: hour to hour, like it could start the day off
Speaker 3: you're like, oh, what's so nice out my life jacket,
Speaker 3: and then three hours later you're like getting out of
Speaker 3: the car, You're like, oh, my gosh, I should have
Speaker 3: brought my north face. And so I'm tired of Mother
Speaker 3: Nature's inconsistency. I'm not just I mean, I have to
Speaker 3: say I'm glad we didn't have a super terrible winter
Speaker 3: in the Northeast, but it's.
Speaker 2: Just but it's still winter, they'd like to remind you.
Speaker 1: Yeah, And I'm always like pulling out like that.
Speaker 3: Like literally, I'm like I have some of my like
Speaker 3: spring clothes out and I'm like, wait, but there's not
Speaker 3: enough room.
Speaker 1: I have like every type of coat available. I'm always
Speaker 1: like I'm not sure.
Speaker 3: Literally, I'll put a code on, walk outside and walk
Speaker 3: way back and be like, no, I think I need
Speaker 3: this one. So I'm just taking a break from all
Speaker 3: of this this uncertain weather, and hopefully we will the
Speaker 3: weather will officially break and we can smooth our way
Speaker 3: into spring.
Speaker 2: So my my break, uh, my boost rather is going
Speaker 2: to be for couples counseling. I speaking of TMI. You
Speaker 2: should all know. So one of the investments that we
Speaker 2: made when we were planning for the wedding is one
Speaker 2: a financial advisor financial planner, and two I kept putting
Speaker 2: it off. We kept like having trouble finding a good counselor.
Speaker 2: But I thought it would be important for us to
Speaker 2: do some sort of like pre marital counseling. You know,
Speaker 2: a lot of you know, they sell like I don't know,
Speaker 2: I felt like I was at one point I was
Speaker 2: gonna like spend six hundred dollars and do like a
Speaker 2: membership to some fitness club, and like, I don't know
Speaker 2: if I was. I just thought, man, if I'm gonna
Speaker 2: put this money into like looking good for the wedding,
Speaker 2: we need to at least put money into like our
Speaker 2: actual relationship. And not that we have a ton of issues,
Speaker 2: but I feel like a lot some people do form
Speaker 2: like uh, religious premarital counseling, Like especially Catholics, you go
Speaker 2: to the church and you do it through your church,
Speaker 2: or you do a like an all day seminar and
Speaker 2: then you meet with your officiant or your pastor or whoever.
Speaker 2: But since we're not really religious. I decided to just
Speaker 2: I just started googling, like couples counseling programs in New York,
Speaker 2: and I found I found a few different people who
Speaker 2: specialize in couple counseling, and we landed upon this woman
Speaker 2: who's who's from Jersey City, and she has a practice
Speaker 2: here which is really convenient, but she specializes in a
Speaker 2: it's awkward, I'm not gonna lie. She specializes in a
Speaker 2: type of therapy that you were. It's all about like
Speaker 2: validating the other person and like that you heard them,
Speaker 2: and so it's a lot of repeating what the other
Speaker 2: person said. Like if you say, if Tiffany is like, hey, Mandy,
Speaker 2: I feel like you talk a lot on the podcast
Speaker 2: and I'd really enjoy for you to not talk so much,
Speaker 2: then I would have to say, Tiffany, I hear that
Speaker 2: you said that I talk a lot. Did I understand you?
Speaker 1: Right?
Speaker 2: And back and forth. And we did our first session
Speaker 2: a few weeks back, and it was it was awkward,
Speaker 2: but in the very first session what was great is that,
Speaker 2: like it was forcing sometimes relationships, one person is a talker, yea,
Speaker 2: the other person isn't. And I'm you can probably guess
Speaker 2: which one of us is the talker.
Speaker 3: I was gonna say, you probably guess which one of
Speaker 3: us between like likely, Yeah, you're like, clearly both of
Speaker 3: us are the talkers in our relationship.
Speaker 2: Yeah, so we're fine, we'll have no problem communicating. But
Speaker 2: in the relationship you don't realize how much can go
Speaker 2: unsaid or like some people, like you may think the
Speaker 2: other person's fine, but they don't have a way of
Speaker 2: verbalizing it. And anyway, our first session it was like uncomfortable.
Speaker 2: It's kind of like going back to the gym, or
Speaker 2: like going to the gym for the first time, where
Speaker 2: you're really kind of like it's awkward and you're out
Speaker 2: of like shape and you're not really used to the
Speaker 2: machines yet. But our second and third sessions were actually
Speaker 2: really good, and I'm feeling like there's no negativity. It
Speaker 2: just kind of just kind of feels like a positive.
Speaker 2: At the beginning of each session, we meditate, which sounds
Speaker 2: kind of weird, but uh, we meditate for a couple minutes,
Speaker 2: and then what I've liked about it and what we
Speaker 2: haven't done before is it's funny because we met each
Speaker 2: other late in our adult life, not late but like
Speaker 2: in our late twenties and you've missed a whole lifetime
Speaker 2: before that, Like you don't know each other as kids.
Speaker 2: You don't know what you went through as teenagers and
Speaker 2: that kind of thing. And in this type of counseling
Speaker 2: she's having us, we're finding out things about each other
Speaker 2: about our childhood that we never knew about. And like
Speaker 2: it's crazy, like little things in your childhood can manifest
Speaker 2: in your relationship as an adult. I know that made
Speaker 2: sound like duh, but for me it was like, oh,
Speaker 2: that's why I do that thing, or like that's why
Speaker 2: he does that thing. And it's like I feel like
Speaker 2: I'm learning even more about this person who I've known
Speaker 2: for five years. You know, I just feel good about it.
Speaker 2: I feel like it's it's it's like it makes me
Speaker 2: feel I mean, I was already confident about marrying him,
Speaker 2: but it's it's just I feel like we're getting stronger
Speaker 2: even going through this, and I don't know, I I
Speaker 2: it's a good investment.
Speaker 1: I feel like, no, that is.
Speaker 3: I mean, I don't think people recognize or realize if
Speaker 3: you're not in a relationship, because I always forget until
Speaker 3: I get into a relationship. I'm like, oh, it's a
Speaker 3: lot of work and not work, Like oh, you know,
Speaker 3: people are like, oh, if it's love, it's not work.
Speaker 3: Yes it is, like it is, it's just and meaning
Speaker 3: like if people would just step out of the whole
Speaker 3: love part of the relationship and just call it a relationship,
Speaker 3: meaning like it's work with my sisters, it's work with
Speaker 3: my parents, it's work with my friends, and the work
Speaker 3: doesn't mean necessarily that it's like, oh, like this begrudging,
Speaker 3: like oh my god, I always have no like if
Speaker 3: I want to hang out my friends, I have to
Speaker 3: call them and make plans and see them, and it's work,
Speaker 3: you know, meaning that I have to make an effort.
Speaker 3: And so same thing with your love relationship, if there's
Speaker 3: still effort that needs to be made in order to
Speaker 3: maintain a good relationship.
Speaker 1: And so sometimes I.
Speaker 3: Forget or just I guess people in general forget that, like, yeah,
Speaker 3: you have to put in effort if you want, you know,
Speaker 3: what you have with this person to be strong and
Speaker 3: is knowing that it's not always going to be perfect.
Speaker 3: But one good thing like I really like about Superman
Speaker 3: is that I although I'm a good talker, I'm not
Speaker 3: necessarily always a good communicator, and he's actually to me
Speaker 3: a better communicator than I am.
Speaker 1: Even though he doesn't talk as much as.
Speaker 2: I do, he does more with less.
Speaker 1: Yes, So because.
Speaker 3: I'll be like, well, I'm fine, I'm fying whatever, you know,
Speaker 3: he'll just be like okay.
Speaker 1: So it seems like the issue is this is that
Speaker 1: how you feel? You know what, I'm like, Yeah, that's
Speaker 1: how i'm you.
Speaker 2: Know, he would love it, he'd be he'd be a
Speaker 2: rock star.
Speaker 1: So he's really good.
Speaker 3: And then to me, I will be the type that
Speaker 3: I'll talk around it because I might not want to
Speaker 3: say directly, but.
Speaker 1: He's really like straight to the point, like no, let's
Speaker 1: unearth it.
Speaker 3: Let's say because I'm always afraid that like, oh no,
Speaker 3: this means we're gonna break up. You know, every time
Speaker 3: you like don't agree, you're like, oh my god, it's over,
Speaker 3: And he's like, make.
Speaker 2: Sure in the beginning, Oh for sure. You don't never
Speaker 2: look at your old G chats. By the way, don't
Speaker 2: ever go back to the early beginning of your relationship
Speaker 2: and read your old G chats.
Speaker 1: Don't do it like it's always tell him you don't
Speaker 1: want to be with me.
Speaker 3: Oh my god, like, you know, like it could be
Speaker 3: something disagreement over something so silly because I don't know,
Speaker 3: Like I'm always like worst case scenario, like oh god,
Speaker 3: he's gonna want his ring back.
Speaker 1: I knew I should have made dinner. I promise, Oh god,
Speaker 1: I was gonna make me low. I did it, and
Speaker 1: he's frustrated.
Speaker 3: You know, he's not gonna be to be his wife
Speaker 3: because I should have made the meat loaf.
Speaker 1: But I'm like, he's like, Tiffany, it's that serious.
Speaker 3: I mean, yeah, I want a meet Low if you promise,
Speaker 3: but it's okay, we can go out to eat.
Speaker 1: I'm like okay, and he's like, why do you always
Speaker 1: go to the extreme? I'm like, I don't know.
Speaker 3: Yeah, so I think that would actually be good for us,
Speaker 3: I mean, or at least for me, because I know that,
Speaker 3: Like I guess.
Speaker 1: It's just like this weird feeling of is this real?
Speaker 1: Is it gonna work out?
Speaker 3: Is it gonna you know, you have all of these
Speaker 3: questions and because they tell you all scary statistics about marriage,
Speaker 3: you know.
Speaker 2: It's like we know too much. Yeah, I really envy
Speaker 2: people from past generations where it was like just get
Speaker 2: a job and you get a wife and you get
Speaker 2: a house and that's it, and have some kids and
Speaker 2: there's just very simple. And now it's like we have
Speaker 2: so many options and we're so connected and we have
Speaker 2: so much access to people and experiences and things. It's
Speaker 2: so hard to have like a traditional relationship now. And
Speaker 2: I think for me, it's like I was definitely the
Speaker 2: one who was championing the whole, like, let's do marriage counseling.
Speaker 2: My mom was divorced three times. I have no illusions
Speaker 2: about marriage, and I'm trying to do things like kind
Speaker 2: of learn from mistakes that I've seen in my life.
Speaker 2: But the fact that you showed up, I mean just
Speaker 2: setting across from that person, knowing that they showed up
Speaker 2: at this really uncomfortable session with you and they're in
Speaker 2: it and they're not you know, that's that was huge
Speaker 2: for me. Just the fact that he showed up, that
Speaker 2: was like, Okay, that means a lot just being there.
Speaker 2: And also I tend to focus on the financial and
Speaker 2: I don't know if you do that too, but I've
Speaker 2: been so worried about our money being right and budgeting
Speaker 2: and staying on budget for the wedding, and you know,
Speaker 2: we're very healthy financially. But then it's like, okay, so
Speaker 2: how is our relationship doing throughout all of this? And
Speaker 2: it's been nice to just focus on that, just you know,
Speaker 2: that personal aspect, and I'm sure they'll find some psychological
Speaker 2: reasons why I'm so obsessed with money too and how
Speaker 2: that influences the relationship, but I think it's money well spent.
Speaker 2: And if you're wondering the cost of the sessions, I
Speaker 2: actually negotiated because neither of our insurance, first of all,
Speaker 2: go to your insurance. Neither of our insurance insurance covers
Speaker 2: this type of counseling, which so means we had to
Speaker 2: pay out of pocket. But a lot of therapists will
Speaker 2: do a sliding scale, so we're getting we our sessions
Speaker 2: are one fifty per session, and they are therapists typically
Speaker 2: charges three hundred, and so when she found out that
Speaker 2: we actually, what I did is I was like, I
Speaker 2: was really looking to spend one fifty and she said, okay,
Speaker 2: that's what she said after she initially said three hundreds,
Speaker 2: she said, yeah, I usually do a sliding scale for
Speaker 2: people who don't have who insurance won't cover. I do
Speaker 2: one seventy five and I said, I'm we're looking to
Speaker 2: do one fifty, and she said okay, And she's on
Speaker 2: the she's not old, she's not young. So I think
Speaker 2: I got someone who's like in the middle, the middle
Speaker 2: of the you know, younger people tend to charge less
Speaker 2: and old or more established. Some people were quoting us
Speaker 2: four hundred, five hundred dollars a session, like crazy, So
Speaker 2: one fifty. I can live with a couple every couple
Speaker 2: of weeks before the wedding and then I don't. I
Speaker 2: don't know how long we're going to do it. We
Speaker 2: haven't signed a contract. I guess just until you know,
Speaker 2: we decide to take a break.
Speaker 1: That's good.
Speaker 3: I know we said for this this week. I know
Speaker 3: normally we do our tips tips, but I think for tips.
Speaker 3: I'm just going to give you guys an update because
Speaker 3: so many of you tweeted me saying, oh, no, I
Speaker 3: haven't heard about the house. Guess you didn't get it.
Speaker 3: I'm like, well, aren't you, guys, dark dark Danita's right,
Speaker 3: it's not a microwave.
Speaker 2: He can't just press two minutes and have a house.
Speaker 1: They're like, didn't hear from you? Oh? Next time?
Speaker 3: I'm like, now, actually, what happened was, you know, we
Speaker 3: put the offer in, they accepted the offer, and then
Speaker 3: we entered into attorney review, which usually only lasts a
Speaker 3: couple of days, but our attorney review is a little
Speaker 3: bit longer.
Speaker 2: Wait just sorry, just so back up, and like, so,
Speaker 2: where were you at in the house in the buying
Speaker 2: process For people who may not remember or haven't heard
Speaker 2: about the hull saga yet.
Speaker 3: The last time we spoke, I spoke about, you know,
Speaker 3: really wanting to buy investment property with Superman and to
Speaker 3: get him because I have the budget nee son my business,
Speaker 3: and I really wanted him to have additional income outside
Speaker 3: of his normal job.
Speaker 1: And so he works for the.
Speaker 3: City and he does like like maintenance and repair and
Speaker 3: stuff like that for like housing, he does like three
Speaker 3: hundred units, and I was like, you know, you should
Speaker 3: own property because you're basically like a landlord for three
Speaker 3: hundred units.
Speaker 1: You know, why not own property. It can't be harder
Speaker 1: than what you're doing now.
Speaker 3: And so at first he's a little opposed to it,
Speaker 3: but then I helped him get his credit. I'm really
Speaker 3: strong and like about the seven fifty range. I showed
Speaker 3: him how to save automatically and so for the three
Speaker 3: years that we were dating, he's been saving and his
Speaker 3: credit has been growing. And then this year I was like,
Speaker 3: you know, or really late last year, I said, you know,
Speaker 3: we should really look into homes and let's at least
Speaker 3: explore what that would mean.
Speaker 1: And so we did.
Speaker 3: We started shopping for pre qualifications, and so the part
Speaker 3: in the process where we are now was that we
Speaker 3: were home shopping.
Speaker 1: And it was hard at first because.
Speaker 3: Newark, where we want to live and where we currently live,
Speaker 3: now it's starting to shift and people are starting to
Speaker 3: really take notice. It's becoming like the new Brooklyn, where
Speaker 3: basically you know it undesirable and now it's becoming very desirable.
Speaker 1: But a whole Food's just opened last week, so.
Speaker 3: That's like really telling, you know, we've got a Starbucks
Speaker 3: places that normally would not be.
Speaker 1: In NewYork when you get a Trader Joe's.
Speaker 3: So we went house shopping. We found this house that
Speaker 3: I absolutely loved, and we put an offer in and
Speaker 3: so the people that were selling it it was a
Speaker 3: three family house, and they priced it really low, and
Speaker 3: really I know why they priced it low. They priced
Speaker 3: it low so that way they could get a lot
Speaker 3: of interest and like basically like a bidding we're going
Speaker 3: which is what happened. So we ended up paying almost
Speaker 3: one hundred thousand dollars over the zoo.
Speaker 1: Yeah, the pre but honestly that's what we ended up.
Speaker 1: What we ended up.
Speaker 3: Offering is what the house is worth, basically, because there's
Speaker 3: no way that it was worth what they said when
Speaker 3: literally there were two families that weren't finished like this
Speaker 3: one was, that were twenty to thirty thousand dollars.
Speaker 1: More So, we we found a house that we really liked.
Speaker 1: It was a three family.
Speaker 3: They priced it way below what it was worth, and
Speaker 3: we ended up getting into a bidding war, and at
Speaker 3: one point they were like, okay, everyone who's interested, give
Speaker 3: your best and finals the next day.
Speaker 1: So we did. After consulting with.
Speaker 3: Like all of my my lawyer friends, my real estate
Speaker 3: agent friends, we put an offer in about like ninety
Speaker 3: thousand dollars over the asking and because after looking at
Speaker 3: the comparables in the area, you.
Speaker 1: Know, to see like what other houses of that level of.
Speaker 3: That unit we're going for, we bid below that but
Speaker 3: still like in that range, and we got it.
Speaker 1: Yes, we weren't even the highest bid.
Speaker 3: It was just that we were other people bid, but
Speaker 3: their financing wasn't as clean as ours, meaning that some
Speaker 3: people were like, oh, I'm going to get fifty thousand
Speaker 3: dollars from my cousin Joe, twenty thousands from the bank,
Speaker 3: sixty thousand from this other bank, whereas us, we were
Speaker 3: just like, here's our down payment and here's the one
Speaker 3: bank we're using. So they went with us because it
Speaker 3: was like a solid deal, a solid plans.
Speaker 1: Yeah, and so we las thank you.
Speaker 3: And at first I was like yeah, and then you
Speaker 3: find out yeah, but you still have to go through
Speaker 3: attorney review.
Speaker 1: You're like, oh, what does that mean?
Speaker 3: So attorney review is when after they accept your offer,
Speaker 3: then your attorney draws up a contract and their attorney
Speaker 3: has to sign it. So everyone obviously each attorney is
Speaker 3: working on behalf of their client. So we tell our attorney, hey,
Speaker 3: put these things in the contract, like.
Speaker 1: Well, buy the house.
Speaker 3: As long as there's no foundation issues, there's no roof issues.
Speaker 1: So there's a list of things that you can put in.
Speaker 1: You can put it in whatever you want.
Speaker 3: You could say there has to be you know, a puppy,
Speaker 3: you know in the at the front of pork.
Speaker 2: But then they have like twelve golden doodles exactly.
Speaker 3: But so you put these things in and we were
Speaker 3: pretty extensive about the things that we wanted, like, you know,
Speaker 3: making sure that it's there because it's an older home.
Speaker 3: So oftentimes older homes have oil tanks. That's the way
Speaker 3: they used to heat them. And so if there's an
Speaker 3: oil tank, they have to remove it. And if they
Speaker 3: remove it, they have to remove it in alignment with
Speaker 3: state guideline and get the ground tested to make sure
Speaker 3: it's not contaminated. So we had that in our contract,
Speaker 3: and sure enough, there was an.
Speaker 1: Oil tank.
Speaker 3: And just things like that, like so things to protect
Speaker 3: you because once you leave attorney review, you cannot if
Speaker 3: you don't buy the house, they can keep your deposit
Speaker 3: because you know, the contract binds you to buy it
Speaker 3: unless something is not met within that contract. So that
Speaker 3: contract is really important. So attorney review can happen really quickly,
Speaker 3: or it could take some times because the lawyer can
Speaker 3: go the lawyers go back and forth, and I'm happy
Speaker 3: to say as of today, woo woo, we're out of
Speaker 3: attorney review. They agree to all our concerns and demands,
Speaker 3: and so that means they cannot legally sell to anyone else.
Speaker 3: And because as soon as if you're not out of
Speaker 3: attorney review, they can technically technically be like no, never mind,
Speaker 3: we're going to sell it to somebody else. So now
Speaker 3: that we're out of attorney review, it's time for inspectors.
Speaker 3: So I spent the day on the phone today interviewing
Speaker 3: home inspectors.
Speaker 1: So are used to.
Speaker 3: Find a really great because you want a home inspector
Speaker 3: that's really thorough because you have two weeks fourteen days
Speaker 3: after attorney review to get your inspection done, So you
Speaker 3: want an inspector that's thorough and it's going to give
Speaker 3: you your your report very quickly. So I was just
Speaker 3: interviewing some inspectors. We found a really great one using yelp.
Speaker 2: Oh okay mm hmm.
Speaker 3: And because I had posted on my social media and
Speaker 3: a few people gave me some suggestions, and some of
Speaker 3: their suggestions like like, I googled them and I looked
Speaker 3: them up and I.
Speaker 1: Was like, he's got one star reviews? What?
Speaker 3: And one of them was really great, Like his name
Speaker 3: was Nick, and I yelped him and googled him whatever,
Speaker 3: he had five star reviews across the board on every platform. Yeah,
Speaker 3: so I was really happy, and I heard that he
Speaker 3: uses new technology, like he uses a drone so he
Speaker 3: doesn't actually have to step on your roof.
Speaker 1: He will, you know, like look at your roof with
Speaker 1: a drone so he doesn't mess it up.
Speaker 3: Just like, I'm just really excited because once we get
Speaker 3: the inspection, we're working now on what's called the mortgage
Speaker 3: commitment letter. That's when because your bank says, yes, you're prequalified,
Speaker 3: but it doesn't mean that they promised give you money.
Speaker 1: The commitment letter is the promise to lend you the money.
Speaker 3: But they are not going to create a commitment letter
Speaker 3: until you're under contract, which is.
Speaker 1: What we are now. So then the bank will issue
Speaker 1: a commitment letter.
Speaker 3: They will send out an appraiser to say yes, the
Speaker 3: house is actually worth what you're paying, or it's not,
Speaker 3: it's worth more, it's worth less in our contract. This
Speaker 3: is why the attorney review is important in the contract.
Speaker 3: If the house is worth less than what we've offered,
Speaker 3: then we could walk away or they could drop the price.
Speaker 1: So that was important to.
Speaker 3: Us because we don't want to We don't want to
Speaker 3: be stuck saying, hey, you know, we offered three three
Speaker 3: twenty the house is appraising at three hundred, we still
Speaker 3: have to.
Speaker 1: Buy it at three twenty now, right, yeah, you know,
Speaker 1: so there's little things like that.
Speaker 2: And so, so what happened when you had to raise
Speaker 2: the price asking price to ninety thousand? Did you have
Speaker 2: to go get qualified, like get a letter from the
Speaker 2: bank saying they'd a preview for that much or we
Speaker 2: already approved for that much.
Speaker 1: Well?
Speaker 3: I called him and I said, hey, David from M
Speaker 3: ANDT Bank, that's our mortgage guy said, hey, you know
Speaker 3: the house is going to go for more. He was
Speaker 3: one of the people I called for advice. I said, okay,
Speaker 3: the house is listed for three two thirty nine. I
Speaker 3: know it's not worth two thirty nine because all the
Speaker 3: other houses we were looking at were mostly two families
Speaker 3: and they were going for two fifty and that's not
Speaker 3: that's that wasn't that was a fixture upper house. So
Speaker 3: a two family, two fifty fixture upper in the same neighborhood,
Speaker 3: and this three family completely done was two thirty nine, so,
Speaker 3: you know, twenty thousand dollars less. So I knew something
Speaker 3: was up, and it was, like I said, to generate interest.
Speaker 3: So when I told him, he said, okay, let's go
Speaker 3: over the math. And so he said, how much is
Speaker 3: the house bringing in? And I told him one unit
Speaker 3: is bringing in one thousand and fifty, one units bringing
Speaker 3: in sixteen hundred, so twenty six fifty is what the
Speaker 3: unit is, what the house is currently making, and one
Speaker 3: unit is empty for us to live in.
Speaker 1: And he was like, okay, well, at.
Speaker 3: Two thirty nine, with the current interest rate, your insurance,
Speaker 3: and all of your home costs except for your utilities,
Speaker 3: two thirty nine, I think our mortgage was going to
Speaker 3: be like like eighteen hundred or nineteen hundred, something like that.
Speaker 3: And I said, okay, well, what would the mortgage be
Speaker 3: at three hundred thousand? What would the mortgage be at
Speaker 3: two eighty?
Speaker 1: At three? You know, so I could see what the
Speaker 1: numbers would be.
Speaker 3: And so at three thirty, so about about one hundred
Speaker 3: thousand dollars more three thirty, the mortgage would have been
Speaker 3: twenty four including insurance and everything would have been twenty
Speaker 3: four hundred, So still two hundred and fifty dollars less
Speaker 3: than what the what it was bringing in as far
Speaker 3: as as far as income. And so we decided to
Speaker 3: put the bid in for three twenty and at three twenty.
Speaker 3: I think our mortgage is like twenty one or twenty
Speaker 3: two hundred dollars something.
Speaker 2: Like that thirty year fixed rate.
Speaker 1: Uh huh, thirty year fixed rate.
Speaker 3: And what I like about M ANDT Bank is like,
Speaker 3: right now, I don't know how long it'll be, but
Speaker 3: right now MMT bank is giving six percent toward closing costs,
Speaker 3: and so what we're going to use some of those
Speaker 3: closing costs for up to up to about almost nineteen
Speaker 3: thousand dollars, and so we're already at the next So
Speaker 3: basically we're going to get like nineteen thousand dollars that
Speaker 3: we can use how.
Speaker 1: We want for closing.
Speaker 3: So we're going to use some of those closing costs
Speaker 3: money of course for like the appraisal and stuff like that,
Speaker 3: but we're also going to use it to pay down
Speaker 3: our interest rate. So that way, our monthly payment is
Speaker 3: even lower because you can actually buy what they call points,
Speaker 3: and points are the points to bring down your interest rate.
Speaker 3: So if the interest rate is four point five percent,
Speaker 3: you might be able to spend five to ten thousand
Speaker 3: dollars to bring it to four percent, And a four
Speaker 3: percent interest rate will lower your monthly payment by I
Speaker 3: don't know, like one hundred, two hundred dollars something like that,
Speaker 3: you know, depending on how much to hops you're buying.
Speaker 3: So that's where we are right now, that we're getting
Speaker 3: the house inspected, waiting for the commitment letter, waiting for
Speaker 3: the appraisal, and then after that, really it's just you close.
Speaker 3: And so that's where we are. We're like just one
Speaker 3: step closer. I mean, this house is awesome. I mean,
Speaker 3: I cannot express how excited I am to get a
Speaker 3: piece of a city that I see that it's really
Speaker 3: on the come up, and the low location is amazing.
Speaker 1: The units are beautiful, and.
Speaker 3: The lot, the plot for it to be a double lot,
Speaker 3: and for us to have like our own park in
Speaker 3: the back, that's our property. It's just this is a
Speaker 3: this is a our not for our forever house, but
Speaker 3: definitely our forever investment house.
Speaker 2: Live in the dream.
Speaker 3: Yeah, So all we do is when when when, no
Speaker 3: matter what, I hate to rush, but I'm like, oh, I'm.
Speaker 2: Not hey, it wasn't me talking.
Speaker 1: I was looking. I was like, Kennedy, shut up, all right, yes,
Speaker 1: So what I'm trying to think, who is my win?
Speaker 1: You go first?
Speaker 2: I can go first. So I want to give a
Speaker 2: shout out to Delta's first black female captain, airline captain,
Speaker 2: Miss Stephanie Johnson, who I read about last week on NBC.
Speaker 2: So she's been an airline pilot for twenty years. I
Speaker 2: don't think I've ever had a female airline. I would
Speaker 2: love to have a female pilot going. When I get
Speaker 2: on a plane, they're always like white dudes. But I digress.
Speaker 2: She's been a pilot for twenty years, and she officially
Speaker 2: became the first black female captain in twenty sixteen, and
Speaker 2: it's just now getting into the news. She was also
Speaker 2: the first in her family to graduate from college, she says,
Speaker 2: and she just looks at me. She says that as
Speaker 2: long as I can remember, I have been fascinated with airplanes,
Speaker 2: and I would think what a great thing it would
Speaker 2: be to know how to fly. And look at you now, Stephanie.
Speaker 2: So I'm really excited for her. And hey, girl, I
Speaker 2: hope I see you on a flight soon. Do you
Speaker 2: try to Atlanta?
Speaker 1: I don't know the Delta fly, you know, how kind
Speaker 1: of do what? I don't know that I've ever from Delta.
Speaker 1: Isn't that weird?
Speaker 2: I'm an Atlanta girls? A Delta's my jam. Oh really Yeah,
Speaker 2: Delta owns Atlanta.
Speaker 1: That's like Nework, like United owns a Newark.
Speaker 2: There's tons of Delta flights out of Newark. I think
Speaker 2: they're they're they're getting up there with with United right
Speaker 2: now at Newark. Depends on like what chub you live by,
Speaker 2: but yeah, adults is pretty big.
Speaker 1: Okay, I'm not gonna lie.
Speaker 3: I'm like, I forgot about Wins. I'll just say I
Speaker 3: went to my new niece that's coming soon.
Speaker 2: I said, I saw the picture.
Speaker 1: Yeah, she's just about nine months, Like that wasn't her nine?
Speaker 2: Whoa? Okay, I didn't know that your sister was off
Speaker 2: far along.
Speaker 3: Yeah, she's like any day now. So every time I
Speaker 3: see her, I'm like today today. So I'm super excited
Speaker 3: because I have a nephew, my same sister.
Speaker 1: She's number two.
Speaker 3: Yeah for her, And I'm like, so he's like one
Speaker 3: and a half going on eighty five some days, I's
Speaker 3: like a little old man, and so I'm all, I'm
Speaker 3: gonna it's really I'm really curious to see his reaction
Speaker 3: when she comes, cause, like I'm like, doesn't he seem
Speaker 3: find it strange that you have like a big stomach
Speaker 3: all of a sudden, and she was like, you know
Speaker 3: what's hilarious is that, Like he'll he'll sit down next
Speaker 3: to her and put his head on her stomach and
Speaker 3: the baby will kick and he'llok at her stomach like, hey,
Speaker 3: what are you doing?
Speaker 2: Was it one and a half?
Speaker 3: Yeah?
Speaker 1: So you know he doesn't quite like you know, because
Speaker 1: kids would quite get it. Yeah, not at all.
Speaker 3: And so I'm like, when this baby comes, he's gonna
Speaker 3: be like, oh, look a baby. Wait, this baby's here
Speaker 3: every day. Every day.
Speaker 2: They treat it sort of because I call them my
Speaker 2: cousins now. But they listen to the show, Hey Danny Nosora,
Speaker 2: they have a really cute two year old and they
Speaker 2: just had a baby girl. And after a while he's like,
Speaker 2: so she's staying. Yeah, she's not just here for the weekend.
Speaker 2: They get that eventually that this person's permanent.
Speaker 1: Yeah. Yeah, that is gonna be so cut to watch.
Speaker 3: Like, oh, because he likes kids, like you know, he
Speaker 3: sees other little kids, he lights up.
Speaker 1: But I feel like he's gonna be like, why is
Speaker 1: she sleeping here? Wait?
Speaker 3: So why are you holding her all the time? Wait
Speaker 3: a minute? So, yeah, it'll be curious to see. So, yeah,
Speaker 3: that's my win, my little baby cousin, my baby cousin niece.
Speaker 1: I'm super excited. So we've got a nephew and a niece.
Speaker 2: And I'm gonna have to do a baby shout out
Speaker 2: too because our friends Josh and Tera had a baby
Speaker 2: a month early. This baby came like what six weeks early,
Speaker 2: but he was a little baby Oliver, but he was
Speaker 2: a big boy for being a premiu. I think he
Speaker 2: was born at close to seven pounds.
Speaker 1: Wow.
Speaker 2: But Tera is one of those girls who's like super
Speaker 2: super tiny. And we went to her baby shower a
Speaker 2: little while ago and I was like, so, you're due tomorrow, right,
Speaker 2: because this is just logistically with the space available, there's
Speaker 2: just I'm worried for you because she's so tiny.
Speaker 1: There's no room.
Speaker 3: There's just where where.
Speaker 2: Is this baby? But I'm just so happy. It was
Speaker 2: a it was a long, like kind of slightly stressful
Speaker 2: experience for them being you know, delivering early. So I'm
Speaker 2: just really happy with the baby's home now. He had
Speaker 2: to spend about a week at the hospital. So they're home,
Speaker 2: they're healthy, they're happy. I'm so happy for them. So
Speaker 2: love to you. Guys and all the babies out there.
Speaker 3: Yeah, baby baby, I'm like, who nervous? Because she did
Speaker 3: all natural, like no drugs last time.
Speaker 1: So how was that? She was like, Yeah, by the
Speaker 1: time I got there, it was too late. I was like,
Speaker 1: are you sure.
Speaker 2: Not too late to whack me upside the head?
Speaker 1: Right? She said she did even though she was in labor.
Speaker 2: Her husband, what point can you drink? Is it safe yet?
Speaker 2: I mean they're coming out.
Speaker 3: Right exactly like you don't need you don't need for
Speaker 3: me to be clean on the inside. She said she
Speaker 3: thought she had like indigestion because she had like Jamaican
Speaker 3: food and she was like, who I should have never
Speaker 3: had that Jamaican food.
Speaker 1: And her husband, who's a doctor, is like, I'm pretty
Speaker 1: sure you're in labor. She's like, I'm not. It's indigestion.
Speaker 1: He's like, okay, He's like, that's the one that's called
Speaker 1: the contraction.
Speaker 2: She was like, wait, heartburn or childbirth?
Speaker 1: Yes? Either one. Oh. Thanksba listeners, you guys are always
Speaker 1: the best.
Speaker 2: This the ones we can't even see right now. Yeah,
Speaker 2: thank you guys, and thank you for all the love
Speaker 2: you have boosted us on the iTunes. Just like we
Speaker 2: asked you to continue to send us your love. Go
Speaker 2: to iTunes, go to brand Ambition Podcasts dot com to
Speaker 2: find all our links to where you can find the show,
Speaker 2: and leave us for reviews SoundCloud, Stitcher World. We'll take anything.
Speaker 2: Thank you for all the support. But that sound too desperate.
Speaker 2: That's cool, didn't come off. Let all got it? Okay,
Speaker 2: sorry about that.