1 00:00:00,280 --> 00:00:01,320 Speaker 1: Yea from. 2 00:00:09,280 --> 00:00:10,240 Speaker 2: Ask your question real good. 3 00:00:10,320 --> 00:00:11,960 Speaker 1: Let's just keep it real straight shot with no chasing. 4 00:00:12,119 --> 00:00:15,760 Speaker 1: I'm gonna get a little bit rough. I'm here for 5 00:00:16,000 --> 00:00:18,880 Speaker 1: those who really believe in the American process, all of 6 00:00:18,960 --> 00:00:22,840 Speaker 1: us Street Shot, no Chase with your girl tesling figure 7 00:00:22,840 --> 00:00:26,360 Speaker 1: out on the Black Effect podcasting at wording, what's telling everybody? 8 00:00:26,360 --> 00:00:28,800 Speaker 1: Straight shot, no chase, a tesselain figure out here and 9 00:00:28,880 --> 00:00:33,559 Speaker 1: Jade Horel tapping in again, guys, uh, with information that 10 00:00:33,640 --> 00:00:38,320 Speaker 1: you need outside of just uh, hey, I'm so used 11 00:00:38,360 --> 00:00:41,880 Speaker 1: to saying Biden, but here's Trump here? Has Trump really 12 00:00:41,880 --> 00:00:44,200 Speaker 1: trying to make sure you guys get some other good information, 13 00:00:44,400 --> 00:00:45,920 Speaker 1: trying to curate some stories. 14 00:00:46,600 --> 00:00:46,760 Speaker 2: Uh. 15 00:00:46,800 --> 00:00:48,920 Speaker 1: For those of you to follow me on Front Page News, 16 00:00:48,960 --> 00:00:50,600 Speaker 1: we still want to be able to give you, you know, 17 00:00:50,720 --> 00:00:52,960 Speaker 1: information very similar to that shoutouts at the Brothers Club 18 00:00:53,000 --> 00:00:56,320 Speaker 1: that still keeping that going and the fifteen jobs that 19 00:00:56,360 --> 00:00:59,520 Speaker 1: I'm working. I look forward to going back and chiming 20 00:00:59,560 --> 00:01:01,600 Speaker 1: in and popping up and doing some updates on what 21 00:01:01,640 --> 00:01:04,559 Speaker 1: I've been doing and some segments and all of that. 22 00:01:05,240 --> 00:01:06,840 Speaker 1: I know, Jay, you miss it, but that was a 23 00:01:06,880 --> 00:01:10,000 Speaker 1: forty hour job week on just thing was but I 24 00:01:10,040 --> 00:01:10,479 Speaker 1: loved it. 25 00:01:10,560 --> 00:01:11,840 Speaker 2: I loved it, by the way. 26 00:01:11,880 --> 00:01:14,200 Speaker 1: Yeah, yeah, I know you loved it. It was always 27 00:01:14,240 --> 00:01:16,000 Speaker 1: I met the news that it's twenty four hours. It 28 00:01:16,080 --> 00:01:20,280 Speaker 1: literally you have no clue like what it means to 29 00:01:20,319 --> 00:01:25,240 Speaker 1: do real time news every day, Like that's a hell 30 00:01:25,280 --> 00:01:30,080 Speaker 1: of it. Like Jay, that's a hell of a accolators. 31 00:01:28,840 --> 00:01:31,800 Speaker 2: Whole, another relationship. That's another being you have to take care. 32 00:01:31,640 --> 00:01:36,160 Speaker 1: Of, you know, girl, That's why when you have a time, 33 00:01:36,160 --> 00:01:38,800 Speaker 1: I'm a girl, please. I mean it was a lot, 34 00:01:38,920 --> 00:01:41,839 Speaker 1: like I missed it, but I consume the news every day. 35 00:01:42,200 --> 00:01:45,240 Speaker 1: But producing a daily show, that's why people say, oh, man, 36 00:01:46,440 --> 00:01:48,280 Speaker 1: you should have a show. Why you don't have a show. 37 00:01:48,440 --> 00:01:50,680 Speaker 1: I do have a show. I got three shows. But 38 00:01:51,400 --> 00:01:54,760 Speaker 1: a daily show is a lot of work. 39 00:01:54,960 --> 00:01:58,160 Speaker 2: I mean text messages. Imagine y'all. Text messages are like 40 00:01:58,360 --> 00:02:01,760 Speaker 2: two am, did you see this happen? Now we have 41 00:02:01,800 --> 00:02:04,040 Speaker 2: to change everything for the morning. You have to wake 42 00:02:04,160 --> 00:02:06,800 Speaker 2: up at a certain amount of hours and get pretty 43 00:02:06,960 --> 00:02:11,359 Speaker 2: and know this information. So news happens, the world happens 44 00:02:11,400 --> 00:02:13,800 Speaker 2: all the time. And it was definitely a commitment and 45 00:02:13,840 --> 00:02:15,200 Speaker 2: you handled it. 46 00:02:14,880 --> 00:02:18,200 Speaker 1: Like a g like you had no idea like if 47 00:02:18,280 --> 00:02:22,000 Speaker 1: we produced it all. So from the stories, securating it, 48 00:02:22,040 --> 00:02:27,720 Speaker 1: to the clips, to the copy, literally everything, literally everything. 49 00:02:28,880 --> 00:02:32,160 Speaker 1: So it's not easy at all. I consume the news 50 00:02:32,200 --> 00:02:34,360 Speaker 1: now because I have to always be prepared, you know, 51 00:02:34,480 --> 00:02:36,200 Speaker 1: Fox say hey, can you come on and talk about 52 00:02:36,200 --> 00:02:39,160 Speaker 1: what happened today? Or if we are doing this podcast, 53 00:02:39,400 --> 00:02:42,160 Speaker 1: or if I'm doing something live in a moment every 54 00:02:42,280 --> 00:02:45,040 Speaker 1: volt or tapping with tears every week. So it's not 55 00:02:45,080 --> 00:02:49,240 Speaker 1: that I'm not consuming information, but producing a show is work, 56 00:02:49,320 --> 00:02:53,400 Speaker 1: a daily show, and it's not as attractive as people 57 00:02:53,400 --> 00:02:55,560 Speaker 1: think it is to me. I know you loved it, 58 00:02:55,560 --> 00:02:56,840 Speaker 1: like I don't mind it, but you saw it was 59 00:02:56,880 --> 00:03:00,840 Speaker 1: a lot of work. Oh yeah, it was, yeah, a 60 00:03:00,880 --> 00:03:04,240 Speaker 1: lot of work, a lot of work. So and then 61 00:03:04,280 --> 00:03:06,120 Speaker 1: also another thing what I love and shout out to 62 00:03:06,160 --> 00:03:09,840 Speaker 1: Charlot Mane good for starting the blackf podcast network. I 63 00:03:10,000 --> 00:03:12,919 Speaker 1: like these other stories that are not front page news, 64 00:03:12,960 --> 00:03:15,639 Speaker 1: because front page news was about right now, what happened 65 00:03:15,680 --> 00:03:20,400 Speaker 1: yesterday on the front page. This gives us an opportunity 66 00:03:20,400 --> 00:03:22,239 Speaker 1: to talk about stories that may be on the B page, 67 00:03:22,240 --> 00:03:25,760 Speaker 1: on the back page, but stuff that's critically important. I 68 00:03:25,880 --> 00:03:28,399 Speaker 1: used to try to the fifteen stories we talked about 69 00:03:28,440 --> 00:03:29,880 Speaker 1: for the week to have some front page and a 70 00:03:29,919 --> 00:03:31,560 Speaker 1: little bit of some back page stuff that I think 71 00:03:31,600 --> 00:03:33,320 Speaker 1: people need to know. I think we did a great 72 00:03:33,400 --> 00:03:36,720 Speaker 1: job of curating, you know, diversity. People seem to like it, 73 00:03:37,120 --> 00:03:39,480 Speaker 1: but it still was geared towards right now, this is 74 00:03:39,480 --> 00:03:42,720 Speaker 1: what's happening. We're responsive to what's happening in the last 75 00:03:42,720 --> 00:03:45,800 Speaker 1: twenty four hours. So I do like the podcast because 76 00:03:45,840 --> 00:03:48,080 Speaker 1: it is an opportunity to do a little bit more teaching, 77 00:03:48,080 --> 00:03:50,160 Speaker 1: a little bit more expansive, you know, go a little 78 00:03:50,160 --> 00:03:53,280 Speaker 1: bit deeper and not necessarily on what everybody's talking about yesterday. 79 00:03:53,320 --> 00:03:57,960 Speaker 1: So with that said, you've curated some topics for us 80 00:03:58,040 --> 00:04:01,200 Speaker 1: about money. So what are we going to uh tap 81 00:04:01,200 --> 00:04:03,360 Speaker 1: into or time dig into today? 82 00:04:03,840 --> 00:04:08,720 Speaker 2: We're going to dig into retirement first and foremost. 83 00:04:10,520 --> 00:04:12,200 Speaker 1: They gonna know you're gonna be saying, now do this 84 00:04:12,280 --> 00:04:14,680 Speaker 1: fit out demographic or you just being Marcellis and just 85 00:04:14,680 --> 00:04:16,200 Speaker 1: bringing it up because you know, you love bringing. 86 00:04:16,040 --> 00:04:18,080 Speaker 2: Up all times, like all times, you know, a shots 87 00:04:18,080 --> 00:04:19,600 Speaker 2: on Marcellis, that's that's all. 88 00:04:21,279 --> 00:04:23,040 Speaker 1: When you're said, yeah, we're gonna be something to retirement. 89 00:04:23,080 --> 00:04:25,840 Speaker 1: I was like, girl, everybody this demographic talko thatood you 90 00:04:25,920 --> 00:04:28,880 Speaker 1: love giving people Supreme Court, you know, updates that don't 91 00:04:28,920 --> 00:04:31,599 Speaker 1: body be concerned. Best, so we'll just roll with you. 92 00:04:34,120 --> 00:04:37,479 Speaker 2: But this is important though, right, yes, shout out to 93 00:04:37,480 --> 00:04:42,120 Speaker 2: the Black Effect podcast network. Because people are living longer, 94 00:04:43,040 --> 00:04:46,919 Speaker 2: and the longer we live in America, the older it 95 00:04:47,040 --> 00:04:50,719 Speaker 2: seems that the retirement age is. I saw this really 96 00:04:50,720 --> 00:04:56,000 Speaker 2: interesting CBS News article that the new middle class retirement 97 00:04:56,120 --> 00:05:01,640 Speaker 2: plan is working until you are well passed sixty five. Now, Tez, 98 00:05:01,839 --> 00:05:05,840 Speaker 2: I know that when you were younger, when I was younger, 99 00:05:05,960 --> 00:05:08,479 Speaker 2: I mean the standard retirement age I believe was like 100 00:05:08,560 --> 00:05:13,600 Speaker 2: sixty five years old. Help that has changed. So about 101 00:05:13,640 --> 00:05:17,960 Speaker 2: half of middicle income Americans who are currently employed, they 102 00:05:18,000 --> 00:05:20,839 Speaker 2: say that they expect to work well past the age 103 00:05:20,839 --> 00:05:23,960 Speaker 2: of sixty five. And according to a new study from 104 00:05:24,000 --> 00:05:27,400 Speaker 2: the trans America Center for Retirement Studies and the trans 105 00:05:27,400 --> 00:05:33,520 Speaker 2: America Institute, they're saying that many Americans say that working 106 00:05:33,600 --> 00:05:37,800 Speaker 2: past the age of sixty five is their preference, roughly 107 00:05:37,920 --> 00:05:41,240 Speaker 2: eight and ten also cite that, you know, they have 108 00:05:41,320 --> 00:05:43,919 Speaker 2: a lot of financial pressures, you know what I'm saying, Like, 109 00:05:44,120 --> 00:05:49,560 Speaker 2: think about it, they're maybe sixty seven or seventy according 110 00:05:49,600 --> 00:05:52,600 Speaker 2: to this study, and they're saying eight out of ten 111 00:05:52,600 --> 00:05:54,920 Speaker 2: of us would prefer to keep working so we don't 112 00:05:54,960 --> 00:05:58,840 Speaker 2: have the stress of any type of financial pressures from 113 00:05:58,880 --> 00:06:02,400 Speaker 2: any surprises. My income might be okay, I may have 114 00:06:02,520 --> 00:06:05,560 Speaker 2: enough retirement or whatever, but I would rather continue to 115 00:06:05,640 --> 00:06:09,320 Speaker 2: work for my lifes out to be sustained and to 116 00:06:09,880 --> 00:06:14,400 Speaker 2: have peace of mind. So people earning you know, fifty 117 00:06:14,480 --> 00:06:18,960 Speaker 2: thousand dollars to two hundred thousand dollars annually that account 118 00:06:19,080 --> 00:06:22,240 Speaker 2: for you know, like fifty five percent of US adults, 119 00:06:22,680 --> 00:06:26,680 Speaker 2: and those folks are defined as the middle class, and 120 00:06:26,760 --> 00:06:29,480 Speaker 2: many of them are preferring to work longer. And I 121 00:06:29,520 --> 00:06:31,880 Speaker 2: just think that this is really interesting because when I 122 00:06:31,960 --> 00:06:33,520 Speaker 2: was growing up, I thought that when I got to 123 00:06:33,640 --> 00:06:36,760 Speaker 2: like age sixty or sixty five, that you know, that 124 00:06:36,800 --> 00:06:39,920 Speaker 2: would have been enough in order to sustain the rest 125 00:06:39,920 --> 00:06:42,200 Speaker 2: of my lifestyle, you know, for the you know, end 126 00:06:42,240 --> 00:06:43,120 Speaker 2: of life. 127 00:06:43,200 --> 00:06:43,839 Speaker 1: Not at all. 128 00:06:44,520 --> 00:06:49,520 Speaker 2: Yeah, and interestingly too, tesling the middle class households. According 129 00:06:49,560 --> 00:06:53,440 Speaker 2: to the CBS article, middle class households have said that 130 00:06:53,560 --> 00:06:56,880 Speaker 2: a median of sixty six thousand dollars in their retirement 131 00:06:56,920 --> 00:07:03,760 Speaker 2: accounts is is what they had, right, and it's a 132 00:07:03,800 --> 00:07:06,400 Speaker 2: far cry from the one point five million dollars that 133 00:07:06,480 --> 00:07:10,200 Speaker 2: the typical worker. Since they actually need in order to 134 00:07:10,280 --> 00:07:14,120 Speaker 2: find a comfortable retirement and still you know, build generational wealth. 135 00:07:15,400 --> 00:07:18,680 Speaker 1: H yeah, I'm well, I'm gonna be working the rest 136 00:07:18,680 --> 00:07:20,679 Speaker 1: of my life because I'm just it's not even about 137 00:07:20,760 --> 00:07:23,320 Speaker 1: like I'm a worker, you know. I know other people 138 00:07:23,760 --> 00:07:25,400 Speaker 1: you don't want to retire and sit on the porch. 139 00:07:25,520 --> 00:07:29,160 Speaker 1: But both my grandparents worked until the end. My mother 140 00:07:29,200 --> 00:07:31,800 Speaker 1: probably would have took the retirement option. But even my 141 00:07:31,800 --> 00:07:34,320 Speaker 1: grandmother's nine three years old and she still does stuff now, 142 00:07:34,440 --> 00:07:36,640 Speaker 1: like she just got to stay busy. So I'm always 143 00:07:37,120 --> 00:07:39,560 Speaker 1: especially you know, talking about being an educator. I want 144 00:07:39,560 --> 00:07:43,440 Speaker 1: to be in somebody's classroom, you know, high school, or 145 00:07:43,480 --> 00:07:45,280 Speaker 1: some babies or the college. 146 00:07:45,360 --> 00:07:45,520 Speaker 2: You know. 147 00:07:45,640 --> 00:07:48,760 Speaker 1: So for me, this idea of just being retired sitting 148 00:07:48,760 --> 00:07:51,520 Speaker 1: at home, nobody in my family really does that. But 149 00:07:51,600 --> 00:07:53,600 Speaker 1: I do understand that, you know, you don't want to 150 00:07:53,600 --> 00:07:55,360 Speaker 1: have to work, you know, you want to have your 151 00:07:55,400 --> 00:07:59,040 Speaker 1: basics covered. So it just depends, I guess on what 152 00:07:59,080 --> 00:08:00,760 Speaker 1: type of life say you want to let Yeah, but girl, 153 00:08:00,840 --> 00:08:03,480 Speaker 1: I'm so simple, and that's my serving leadership. I guess, mindset, 154 00:08:03,800 --> 00:08:06,840 Speaker 1: have my house paid for, sit on the front porch. 155 00:08:06,960 --> 00:08:10,320 Speaker 1: You know, may not be the fanciest house, the best house, 156 00:08:10,520 --> 00:08:14,520 Speaker 1: the whatever, but it's mine, sit on front porch. Hey 157 00:08:14,760 --> 00:08:17,360 Speaker 1: do my little go teach at the high school somewhere, 158 00:08:18,520 --> 00:08:21,120 Speaker 1: some simple you know, to college or something somewhere, take 159 00:08:21,160 --> 00:08:23,200 Speaker 1: care of my little bills. And that's it. I just 160 00:08:23,280 --> 00:08:25,560 Speaker 1: I'm not depending on no sol Scared whatever come through 161 00:08:25,600 --> 00:08:27,240 Speaker 1: with so scared just gonna come through with it. But 162 00:08:27,600 --> 00:08:31,360 Speaker 1: I just it's it's to me. It's very hard to 163 00:08:31,400 --> 00:08:35,000 Speaker 1: live on that, you know, unless, like I said, you 164 00:08:35,040 --> 00:08:36,599 Speaker 1: have to have all those other things paid for it. 165 00:08:36,640 --> 00:08:38,560 Speaker 1: But if you're trying to live and pay rent and 166 00:08:38,600 --> 00:08:40,880 Speaker 1: do this and do that, it's just not feasible. 167 00:08:41,760 --> 00:08:44,239 Speaker 2: Well, you know what, you know, you're very, very practical, 168 00:08:44,320 --> 00:08:46,959 Speaker 2: and you taught me a lot of lessons about practicality. 169 00:08:47,440 --> 00:08:49,640 Speaker 2: When I read this article, I really thought about this 170 00:08:49,800 --> 00:08:54,120 Speaker 2: one statistic that says that seven and ten middle class 171 00:08:54,120 --> 00:08:58,240 Speaker 2: Americans they told this particular study at trans America that 172 00:08:58,320 --> 00:09:03,800 Speaker 2: they'll they'll be able to retire comfortably, right, but they 173 00:09:03,840 --> 00:09:07,400 Speaker 2: want more money so that they can travel, volunteer, or 174 00:09:07,480 --> 00:09:13,280 Speaker 2: take care of like their grandchildren. Do you think that 175 00:09:14,320 --> 00:09:17,800 Speaker 2: the lifestyles of middle class folks have like risen? You know, 176 00:09:17,880 --> 00:09:19,280 Speaker 2: are middle class people trying to. 177 00:09:19,200 --> 00:09:21,800 Speaker 1: Live like millionaires and billionaires, because they're saying that that 178 00:09:21,840 --> 00:09:25,240 Speaker 1: middle class is going away. The people are going more 179 00:09:25,280 --> 00:09:28,400 Speaker 1: down to the poor category. They not know, you can 180 00:09:28,440 --> 00:09:29,960 Speaker 1: try to live like being there, but if you're not one, 181 00:09:30,000 --> 00:09:32,080 Speaker 1: you're not one. So the middle class is going away. 182 00:09:32,120 --> 00:09:34,240 Speaker 1: It's more of a big divide between the half and 183 00:09:34,200 --> 00:09:37,080 Speaker 1: the have nots. My friend asked me that the other days, 184 00:09:37,160 --> 00:09:39,719 Speaker 1: like why do all these politics kee talk about the 185 00:09:39,720 --> 00:09:41,839 Speaker 1: midd class and middle class? And I had this plaints. 186 00:09:41,840 --> 00:09:43,000 Speaker 1: She said, well, I'll never talk about the por I 187 00:09:43,000 --> 00:09:44,160 Speaker 1: said what they asked you do. They have a whole 188 00:09:44,160 --> 00:09:46,800 Speaker 1: poor people's campaign. They do talk about the poor. You 189 00:09:46,960 --> 00:09:49,120 Speaker 1: just maybe not listening. But the reason why you keep 190 00:09:49,120 --> 00:09:53,360 Speaker 1: hearing the middle class is because it's going away, and 191 00:09:53,480 --> 00:09:55,600 Speaker 1: people want, you know, want to know that they're still 192 00:09:55,679 --> 00:09:59,360 Speaker 1: going to be a middle class, you know. So uh yeah, 193 00:09:59,400 --> 00:10:00,880 Speaker 1: so yeah this they ain't trying to live like no 194 00:10:00,920 --> 00:10:03,440 Speaker 1: millionaires being there. They trying to stay in the middle class. 195 00:10:03,440 --> 00:10:05,600 Speaker 1: To answer your question, at least, that's what I've gathered. 196 00:10:06,000 --> 00:10:09,040 Speaker 2: Got you got you, But there's another article and I 197 00:10:09,080 --> 00:10:12,040 Speaker 2: know you mentioned a little while ago, and you know 198 00:10:12,080 --> 00:10:15,440 Speaker 2: you talk about like how gen X like y'all have 199 00:10:16,000 --> 00:10:18,280 Speaker 2: a lot of a lot of a lot of millionaires, right, 200 00:10:18,880 --> 00:10:20,240 Speaker 2: So I said that'd be. 201 00:10:20,200 --> 00:10:24,240 Speaker 1: Clear, had a lot of millionaires. Oh, I'm not saying 202 00:10:24,280 --> 00:10:25,800 Speaker 1: because a lot of Yeah, because a lot of them 203 00:10:25,800 --> 00:10:28,319 Speaker 1: went broke. What we were talking about in that particular 204 00:10:28,400 --> 00:10:32,960 Speaker 1: podcast was that it created because of the dot com industry, 205 00:10:33,240 --> 00:10:37,520 Speaker 1: but it also failed and crashed with the recession, and 206 00:10:37,679 --> 00:10:39,280 Speaker 1: so a lot of people made money, very similar to 207 00:10:39,400 --> 00:10:42,080 Speaker 1: the eighties. When the eighties when the stocks and they 208 00:10:42,160 --> 00:10:44,680 Speaker 1: can you know, the buppies and all of that, and 209 00:10:44,679 --> 00:10:46,480 Speaker 1: they call all you know, they made all their money 210 00:10:46,559 --> 00:10:50,079 Speaker 1: and de regulation went away and Reagan took away regulation. 211 00:10:50,160 --> 00:10:53,000 Speaker 1: Everybody got rich and then they crashed. I was saying 212 00:10:53,080 --> 00:10:57,400 Speaker 1: that the the dot com era, the nineties of the 213 00:10:57,480 --> 00:11:02,040 Speaker 1: Generation X in the nineties became millionaires from the Internet 214 00:11:02,120 --> 00:11:05,520 Speaker 1: technology and overnight and became you know, that's where they 215 00:11:05,520 --> 00:11:08,240 Speaker 1: had the Napster and the modspace and the all of 216 00:11:08,559 --> 00:11:12,760 Speaker 1: you know, all of that, and so people literally, you know, 217 00:11:13,040 --> 00:11:15,960 Speaker 1: the Internet for the first discovered how to get rich global. 218 00:11:16,080 --> 00:11:19,080 Speaker 1: That's where the Google and the you know, the Apple 219 00:11:19,240 --> 00:11:21,400 Speaker 1: and all of those things that eventually came out of that. 220 00:11:22,120 --> 00:11:24,600 Speaker 1: But it also a lot of people crashed. So it's 221 00:11:24,640 --> 00:11:27,080 Speaker 1: called the dot com era. So that's what I meant 222 00:11:27,080 --> 00:11:27,400 Speaker 1: by that. 223 00:11:28,320 --> 00:11:31,760 Speaker 2: Oh okay, well, thank you for that context, and that 224 00:11:31,800 --> 00:11:35,080 Speaker 2: clarified my leading for this story, right because I saw 225 00:11:35,120 --> 00:11:38,720 Speaker 2: this article and it says that the US has more 226 00:11:39,240 --> 00:11:43,320 Speaker 2: four oh one k millionaires than ever. Uh So, I 227 00:11:43,320 --> 00:11:45,480 Speaker 2: guess those folks who held on to their money weren't 228 00:11:45,480 --> 00:11:49,160 Speaker 2: that's it their money, you know. There's so many, many, many, 229 00:11:49,200 --> 00:11:52,480 Speaker 2: many millionaires, you know, because before I guess folks were 230 00:11:52,480 --> 00:11:54,480 Speaker 2: just putting you know, they were putting money in for retirement, 231 00:11:55,000 --> 00:11:59,640 Speaker 2: maybe not necessarily with the expectation of becoming wealthy off 232 00:11:59,679 --> 00:12:04,520 Speaker 2: of that. So, according to this article, the number of 233 00:12:04,840 --> 00:12:09,439 Speaker 2: four one k millionaires and four one k plant participants 234 00:12:09,440 --> 00:12:13,040 Speaker 2: with balances of at least one million dollars has reached 235 00:12:13,040 --> 00:12:18,160 Speaker 2: a record high. New data from Fidelity Investments has shown 236 00:12:18,240 --> 00:12:23,120 Speaker 2: that so as of the late spring early summer of 237 00:12:23,160 --> 00:12:27,120 Speaker 2: this year, there are roughly four hundred and ninety seven 238 00:12:27,360 --> 00:12:33,560 Speaker 2: thousand so called retirement created millionaires in the US, according 239 00:12:33,600 --> 00:12:38,760 Speaker 2: to the wealth management firm, which analyzed balances across twenty 240 00:12:38,760 --> 00:12:43,360 Speaker 2: six thousand of its customer accounts. So this is really 241 00:12:43,400 --> 00:12:47,640 Speaker 2: interesting because now we're seeing the real term or you know, 242 00:12:47,880 --> 00:12:54,079 Speaker 2: real life or real time investment now of your four 243 00:12:54,200 --> 00:12:57,480 Speaker 2: one ks if you would have you know, invested twenty 244 00:12:57,520 --> 00:13:02,280 Speaker 2: seven years ago. So it were saying that on average, 245 00:13:02,360 --> 00:13:04,840 Speaker 2: like the folks who invested a great amount of a 246 00:13:04,840 --> 00:13:07,960 Speaker 2: greater amount of money into their four one case about 247 00:13:08,160 --> 00:13:11,560 Speaker 2: you know, twenty seven years ago, their numbers are up 248 00:13:11,559 --> 00:13:17,480 Speaker 2: in the millions now. And that's really interesting. So overall 249 00:13:17,559 --> 00:13:20,240 Speaker 2: the average for one K balance is just over one 250 00:13:20,320 --> 00:13:24,000 Speaker 2: hundred and twenty seven thousand dollars, although that's up thirteen 251 00:13:24,080 --> 00:13:28,320 Speaker 2: percent compared to a year ago, according to Fidelity and 252 00:13:28,679 --> 00:13:30,200 Speaker 2: this particulous study. 253 00:13:31,520 --> 00:13:35,160 Speaker 1: Yeah, well, we'll see. I've heard a lot about this 254 00:13:35,800 --> 00:13:37,800 Speaker 1: that they're saying. They don't talk about the positive, how 255 00:13:37,800 --> 00:13:40,839 Speaker 1: there's more millionaires now than the ever was before this administration, 256 00:13:41,160 --> 00:13:43,640 Speaker 1: and you know, all this stuff. But I think, you know, again, 257 00:13:44,480 --> 00:13:47,079 Speaker 1: people are concerned. Oh that's great, we got twenty millionaires. 258 00:13:47,120 --> 00:13:49,400 Speaker 1: Bottom line is the middle class, the poor people want 259 00:13:49,400 --> 00:13:50,920 Speaker 1: to be able to take care of their family. That's 260 00:13:50,920 --> 00:13:53,240 Speaker 1: still hurt an inflation. It has made some difference for 261 00:13:53,360 --> 00:13:55,840 Speaker 1: some people have seen the difference. Some people have not. 262 00:13:56,360 --> 00:13:58,240 Speaker 1: They said, we weren't going to really feel it till 263 00:13:58,240 --> 00:14:00,640 Speaker 1: around this time. This year, maybe le next year. So 264 00:14:00,640 --> 00:14:03,800 Speaker 1: we'll see, you know how that affects, you know, affect 265 00:14:03,880 --> 00:14:05,160 Speaker 1: of people in this selection. 266 00:14:05,920 --> 00:14:19,440 Speaker 2: Absolutely. Also in the lines of money in business, recent 267 00:14:20,200 --> 00:14:24,880 Speaker 2: data has also come out that Americans have spent at 268 00:14:24,960 --> 00:14:29,720 Speaker 2: least thirty nine billion dollars hasn't been went back to 269 00:14:29,800 --> 00:14:32,600 Speaker 2: school shopping in twenty two four alone. 270 00:14:33,280 --> 00:14:35,920 Speaker 1: Jada definitely put in her back to school being in 271 00:14:36,120 --> 00:14:39,080 Speaker 1: so oh really, yeah, she do too bad though she 272 00:14:39,120 --> 00:14:43,320 Speaker 1: don't do too bad, but she definitely racked up for sure. 273 00:14:43,440 --> 00:14:45,120 Speaker 1: But you know that's fine. 274 00:14:45,280 --> 00:14:47,040 Speaker 2: Well, what is it? I mean, is it you know, 275 00:14:47,080 --> 00:14:48,120 Speaker 2: I don't I don't have. 276 00:14:48,240 --> 00:14:51,880 Speaker 1: Children at this point, is just closed, like she doesn't. 277 00:14:51,960 --> 00:14:55,760 Speaker 1: She's in high school, so everything is online. She don't 278 00:14:55,760 --> 00:14:57,960 Speaker 1: buy books. She literally buys one pack of pencils. 279 00:14:57,960 --> 00:14:58,320 Speaker 2: That's it. 280 00:14:58,400 --> 00:15:01,640 Speaker 1: So it's not like folders or pads or you know, 281 00:15:01,720 --> 00:15:03,680 Speaker 1: like none of that because everything's on the laptop. You know, 282 00:15:03,760 --> 00:15:06,360 Speaker 1: everything they do is turned in, everything they do is electronic. 283 00:15:06,680 --> 00:15:10,760 Speaker 1: So for Jada just be closed, that's it. 284 00:15:10,600 --> 00:15:13,800 Speaker 2: And so it's I mean, you're saying she's in high 285 00:15:13,800 --> 00:15:19,720 Speaker 2: school now, right, So the children and today we're in 286 00:15:19,920 --> 00:15:23,280 Speaker 2: like elementary school and middle school. These children's closing that 287 00:15:23,360 --> 00:15:27,160 Speaker 2: you know, like really expensive now right, backpacks, clothing, I 288 00:15:27,200 --> 00:15:28,360 Speaker 2: mean parents are spending. 289 00:15:29,040 --> 00:15:30,880 Speaker 1: I guess that depends on what they buying. We we 290 00:15:30,960 --> 00:15:34,360 Speaker 1: don't do designer name brand or any of that. So 291 00:15:35,160 --> 00:15:38,040 Speaker 1: it even I mean, I still can I still live 292 00:15:38,120 --> 00:15:40,440 Speaker 1: like I'm struggling, struggling because I do be struggling to 293 00:15:40,440 --> 00:15:42,960 Speaker 1: me because i't know my next check coming from. But 294 00:15:43,520 --> 00:15:46,920 Speaker 1: for me, it's back to school typically is and again 295 00:15:46,960 --> 00:15:49,040 Speaker 1: you talk about a number what everybody can buyd So 296 00:15:49,080 --> 00:15:52,360 Speaker 1: we're not talking about each individual, you know, person, but 297 00:15:52,480 --> 00:15:55,040 Speaker 1: the average thing that you do. Poor kid that I 298 00:15:55,040 --> 00:15:58,520 Speaker 1: can think about with Jada you made this is I'm 299 00:15:58,560 --> 00:16:01,640 Speaker 1: just thinking about middle school or something like that. Now, 300 00:16:01,680 --> 00:16:04,880 Speaker 1: some part of her school career she was in uniform, 301 00:16:04,960 --> 00:16:07,240 Speaker 1: so that helped a lot. So you might buy six 302 00:16:07,360 --> 00:16:09,440 Speaker 1: or seven uniform in her elementary, Like six or seven 303 00:16:09,520 --> 00:16:11,160 Speaker 1: uniforms is about all you need. You know, you want 304 00:16:11,160 --> 00:16:12,560 Speaker 1: to be able to go through at least a week 305 00:16:12,600 --> 00:16:15,120 Speaker 1: and a half, maybe two weeks without having to necessarily 306 00:16:15,280 --> 00:16:18,080 Speaker 1: wash it or you know, kind of try to keep 307 00:16:18,200 --> 00:16:20,160 Speaker 1: up washing night before you know, that kind of stuff. 308 00:16:20,160 --> 00:16:24,200 Speaker 1: So you want your options so interest because while I'm 309 00:16:24,200 --> 00:16:27,120 Speaker 1: doing this in real time I'm texting Jada, she's another 310 00:16:27,200 --> 00:16:30,760 Speaker 1: room about her clothing, the dryer. I'm always doing something 311 00:16:30,880 --> 00:16:32,600 Speaker 1: because I believe it. I'm still a mom even with 312 00:16:32,640 --> 00:16:33,920 Speaker 1: this to remind me, oh, she need to put a 313 00:16:33,920 --> 00:16:36,880 Speaker 1: clothes and dry so that type of stuff. But typically, 314 00:16:38,280 --> 00:16:40,920 Speaker 1: before you know what I was thinking about, the average 315 00:16:40,960 --> 00:16:44,960 Speaker 1: fifth sixth grade, you may get maybe about ten pair 316 00:16:45,000 --> 00:16:47,440 Speaker 1: of jeans, seven or ten pair of new jeans because 317 00:16:47,480 --> 00:16:49,920 Speaker 1: you rotate them around. You know, these kids, they pretty 318 00:16:49,960 --> 00:16:52,280 Speaker 1: much just change our shirts and jeans, shirts and jeans. 319 00:16:52,280 --> 00:16:55,320 Speaker 1: It's kind of the same thing. Three or four pair 320 00:16:55,360 --> 00:16:58,960 Speaker 1: of tennis shoes. They all were tenis shoes. Especially when 321 00:16:58,960 --> 00:17:01,840 Speaker 1: I was a young girl, Like we kind of girl 322 00:17:01,920 --> 00:17:04,480 Speaker 1: it up a lot, you know, but the girls don't 323 00:17:04,520 --> 00:17:06,920 Speaker 1: they so they kind of boys and girls are kind 324 00:17:06,920 --> 00:17:08,919 Speaker 1: of similar now, you know, because they wear sneakers all 325 00:17:08,920 --> 00:17:10,800 Speaker 1: the time. I didn't wear sneakers like that to school, 326 00:17:11,119 --> 00:17:13,720 Speaker 1: but they do. So even the girls, you four or 327 00:17:13,760 --> 00:17:16,400 Speaker 1: five pair of different type of sneakers, but they still 328 00:17:16,480 --> 00:17:18,720 Speaker 1: end up wearing the same one or two every year. 329 00:17:19,119 --> 00:17:21,880 Speaker 1: So Jada, Jada, I'm really blessed. She wasn't a big 330 00:17:21,960 --> 00:17:25,920 Speaker 1: nan brand, name brand person, so her two or three 331 00:17:26,040 --> 00:17:29,760 Speaker 1: different like Vans. She like Vans a lot, you know. Yeah, 332 00:17:29,920 --> 00:17:31,720 Speaker 1: she get a little two or three little pair of 333 00:17:31,760 --> 00:17:36,920 Speaker 1: little Vans and you know, getting some nice jeans by 334 00:17:36,920 --> 00:17:39,440 Speaker 1: five or six or seven pair of Dose, a bunch 335 00:17:39,440 --> 00:17:42,159 Speaker 1: of different T shirts. And that's it. You know that 336 00:17:42,280 --> 00:17:45,920 Speaker 1: she's pretty simple. Get her hair braided or whatever. Look 337 00:17:46,000 --> 00:17:47,720 Speaker 1: she's gonna get, you know, starting at the year and 338 00:17:47,720 --> 00:17:49,639 Speaker 1: we mixed it up and she's gotten. Notice she changes 339 00:17:49,640 --> 00:17:51,720 Speaker 1: her hair up a lot now now as a teenager. 340 00:17:51,760 --> 00:17:53,959 Speaker 1: You know, now it's about nails and all that kind 341 00:17:54,000 --> 00:17:56,239 Speaker 1: of stuff, you know, and she I'll take care of that, 342 00:17:56,280 --> 00:17:57,720 Speaker 1: but I'll be telling you're gonna pay for it yourself. 343 00:17:57,720 --> 00:17:59,520 Speaker 1: That Jada got two jobs on her own business. Like 344 00:17:59,600 --> 00:18:01,680 Speaker 1: Jada be us when she made sure she get her money. 345 00:18:01,840 --> 00:18:03,960 Speaker 1: So for the most part, it's not you know, but 346 00:18:04,000 --> 00:18:05,840 Speaker 1: I got one kid, you know, I don't know what 347 00:18:05,880 --> 00:18:08,199 Speaker 1: that's like if you got two or three, you know, 348 00:18:08,640 --> 00:18:12,320 Speaker 1: and one income or whatever. So yeah, it can get expensive. 349 00:18:12,680 --> 00:18:14,560 Speaker 1: I say. Now she may she may spend about three 350 00:18:14,600 --> 00:18:17,640 Speaker 1: or fur hundred dollars on stuff, but that's getting something. 351 00:18:17,760 --> 00:18:20,280 Speaker 1: Now she's a teenager. It's like fashion over she in 352 00:18:20,480 --> 00:18:23,359 Speaker 1: or said, you know, she in you can Yeah, you 353 00:18:23,359 --> 00:18:25,520 Speaker 1: can get eight thousand outfits. 354 00:18:25,560 --> 00:18:29,000 Speaker 2: So yeah, and that stuff be cute. 355 00:18:29,280 --> 00:18:33,040 Speaker 1: Girl. I am, hey girl, I'm kind of sewer. I 356 00:18:33,080 --> 00:18:35,080 Speaker 1: don't have no problem. I don't do designer and all 357 00:18:35,080 --> 00:18:36,199 Speaker 1: that kind of stuff. I never have. 358 00:18:37,320 --> 00:18:40,280 Speaker 2: It's interesting too, because now you know, you have a 359 00:18:40,320 --> 00:18:43,320 Speaker 2: hot your daughter's in high school now, but now you 360 00:18:43,440 --> 00:18:49,400 Speaker 2: throw in the factor of technology g iPads, laptops and earphones, 361 00:18:49,640 --> 00:18:50,320 Speaker 2: and she ain't. 362 00:18:50,119 --> 00:18:53,040 Speaker 1: Got that too. Yeah. So she got her iPad, her iPad, 363 00:18:54,320 --> 00:18:57,280 Speaker 1: I've only she's only had two over her whole career. 364 00:18:57,400 --> 00:18:59,720 Speaker 1: You know, she got a new one or maybe a 365 00:18:59,800 --> 00:19:01,920 Speaker 1: year or so ago, and then she had one when 366 00:19:01,920 --> 00:19:04,240 Speaker 1: she was young. And I don't even know what I 367 00:19:04,560 --> 00:19:06,000 Speaker 1: started using. But I don't even know where it's at 368 00:19:06,000 --> 00:19:08,200 Speaker 1: at this point. Is probably somewhere in this room. But yeah, 369 00:19:08,240 --> 00:19:10,160 Speaker 1: So she and she has a Mac and she's had 370 00:19:10,200 --> 00:19:13,760 Speaker 1: that Mac. This might be the third year. So she's 371 00:19:13,840 --> 00:19:17,639 Speaker 1: kept it, you know, through high school. And she has 372 00:19:17,720 --> 00:19:22,359 Speaker 1: an iPad and a Mac, and she got a she 373 00:19:22,400 --> 00:19:24,840 Speaker 1: had an iPhone watch. She stopped using that so I 374 00:19:24,920 --> 00:19:27,840 Speaker 1: used I started using that, especially my weight lost journey. 375 00:19:27,880 --> 00:19:32,199 Speaker 1: It helped a whole lot. And that's about it. And 376 00:19:32,240 --> 00:19:35,560 Speaker 1: her phone, Like she don't really you know, because everything's online. 377 00:19:36,080 --> 00:19:39,480 Speaker 1: It's not like they need constant note bad pads or 378 00:19:39,880 --> 00:19:42,560 Speaker 1: you know, pencil you know, things like that. Jada spend 379 00:19:42,560 --> 00:19:44,679 Speaker 1: more money on her supplies to run her little business 380 00:19:45,320 --> 00:19:46,600 Speaker 1: than she do for school. 381 00:19:47,000 --> 00:19:47,560 Speaker 2: I love it. 382 00:19:47,760 --> 00:19:53,800 Speaker 1: They're so cute Jada, Like our guest bedroom is literally 383 00:19:53,920 --> 00:19:57,560 Speaker 1: feeled complete, like no guests can stand her because Jada 384 00:19:57,640 --> 00:20:03,240 Speaker 1: has her t shirt making stuff, machines and shirts and 385 00:20:05,240 --> 00:20:09,639 Speaker 1: all her supplies, her mail out stuff, like Jada really be. 386 00:20:10,320 --> 00:20:11,680 Speaker 2: She got a whole factory in there. 387 00:20:11,800 --> 00:20:13,600 Speaker 1: I got a whole factory in the I love it, 388 00:20:14,000 --> 00:20:17,239 Speaker 1: a whole factory. Her tables that she set up she 389 00:20:17,280 --> 00:20:20,480 Speaker 1: does vending. So she sets up her vending, you know, 390 00:20:20,680 --> 00:20:23,199 Speaker 1: has a little lights, a little all little stuff like 391 00:20:23,880 --> 00:20:26,879 Speaker 1: tablecloth all it, like Jada really be. Yeah, she'd be 392 00:20:26,960 --> 00:20:31,000 Speaker 1: on it. Well that's that's great, and that's the blessing. Yes, 393 00:20:31,320 --> 00:20:33,640 Speaker 1: about one thousand dollars or two, like it was a porm. 394 00:20:33,720 --> 00:20:35,440 Speaker 1: Jada's doing a couple thousand dollars a month in a 395 00:20:35,480 --> 00:20:37,600 Speaker 1: little bit. It's all like, girl, can can I get 396 00:20:37,600 --> 00:20:38,480 Speaker 1: a job? Like Jada? 397 00:20:39,440 --> 00:20:40,400 Speaker 2: Did she offer you want? 398 00:20:41,480 --> 00:20:44,000 Speaker 1: Yeah? They had me dropping there. I just didn't get paid. 399 00:20:44,320 --> 00:20:49,640 Speaker 2: You know, that's so ineso. Yeah, but we're talking about 400 00:20:49,720 --> 00:20:54,280 Speaker 2: children again. This business article that I thought was so 401 00:20:54,640 --> 00:21:00,000 Speaker 2: it was so interesting that Americans spent over thirty nine 402 00:21:00,119 --> 00:21:02,719 Speaker 2: billion dollars on back to school supplies. So shout out 403 00:21:02,760 --> 00:21:05,080 Speaker 2: to Jada. She data said, hey, she wanna take care 404 00:21:05,520 --> 00:21:07,960 Speaker 2: you know, her business and her stuff, you know. And 405 00:21:08,000 --> 00:21:11,359 Speaker 2: then also last year, in twenty twenty three, the average 406 00:21:11,359 --> 00:21:15,320 Speaker 2: spending record went back to school supplies was forty one 407 00:21:15,359 --> 00:21:19,639 Speaker 2: point five billion dollars. And that was according to estimates 408 00:21:19,680 --> 00:21:29,280 Speaker 2: from the National Retail Federation. So interestingly, this number increases 409 00:21:29,280 --> 00:21:32,600 Speaker 2: in it fluctuates a lot, and with all of the 410 00:21:32,640 --> 00:21:36,080 Speaker 2: different factors from backpacks and you know, regular school supplies. 411 00:21:36,080 --> 00:21:38,480 Speaker 2: I used to be excited for some loose leaf paper 412 00:21:38,520 --> 00:21:39,959 Speaker 2: and a nice trap. 413 00:21:40,720 --> 00:21:46,160 Speaker 1: Oh you guys love my security. I love the traffic keeper. Yes, 414 00:21:46,440 --> 00:21:50,080 Speaker 1: so she out of traffic keeper. I wonder probably on 415 00:21:50,160 --> 00:21:51,680 Speaker 1: Amazon or eBay. 416 00:21:51,760 --> 00:21:54,080 Speaker 2: And if it's on eBay, and if they're not making 417 00:21:54,119 --> 00:21:57,359 Speaker 2: them anymore, you know, it's gonna be a lot of money. 418 00:21:57,520 --> 00:21:59,840 Speaker 2: Like that's like a vintage item at this point, right. 419 00:22:02,000 --> 00:22:05,159 Speaker 2: So yes, they were saying also in this article for 420 00:22:05,720 --> 00:22:07,800 Speaker 2: you know, before we stop talking about. 421 00:22:07,600 --> 00:22:09,440 Speaker 1: I think I think they got recent traffic Keeper, like 422 00:22:09,480 --> 00:22:11,240 Speaker 1: it's a new version of traffic keepers. 423 00:22:11,520 --> 00:22:14,520 Speaker 2: Really, I haven't seen a trapper keeper commercial and about 424 00:22:14,560 --> 00:22:15,440 Speaker 2: a good twenty years. 425 00:22:15,480 --> 00:22:17,600 Speaker 1: I don't see commercials, but nothing. I mean, who see 426 00:22:17,680 --> 00:22:21,359 Speaker 1: I don't know, see no commercial anymore. That's way. I 427 00:22:21,359 --> 00:22:25,040 Speaker 1: don't say gmercery any school supply thing, do you? 428 00:22:24,840 --> 00:22:28,600 Speaker 2: Uh no, I don't. Well, well, if I'm babysitting and 429 00:22:28,720 --> 00:22:31,600 Speaker 2: you know, you got it on Nickelodeon or Disney, you 430 00:22:31,720 --> 00:22:34,680 Speaker 2: all see all like all their little kid advertisements. But no, 431 00:22:34,800 --> 00:22:37,520 Speaker 2: I haven't, but I'm sure that they do have trapper keepers. 432 00:22:37,640 --> 00:22:38,960 Speaker 1: All to look it up right now, in real time. 433 00:22:39,000 --> 00:22:44,240 Speaker 1: Let's look it up. Trapper keeper pulls right up. Yeah, 434 00:22:44,480 --> 00:22:47,320 Speaker 1: well that's on Amazon. They're not like vintage. They they 435 00:22:47,320 --> 00:22:52,040 Speaker 1: have Walmart for thirteen dollars. Okay, yeah, it's just different side. Yeah, 436 00:22:52,080 --> 00:22:54,320 Speaker 1: still traffic keeper. So but you're gonna get some push 437 00:22:54,359 --> 00:22:55,679 Speaker 1: the line traffic keepers. 438 00:22:55,920 --> 00:22:56,120 Speaker 2: Yeah. 439 00:22:56,520 --> 00:22:59,119 Speaker 1: I like traffic keepers. I wonder what a name we 440 00:22:59,240 --> 00:23:02,000 Speaker 1: kind of getting beer off. But trapper keeper, I wonder 441 00:23:02,480 --> 00:23:03,840 Speaker 1: I need to look that up and see what made 442 00:23:03,920 --> 00:23:05,919 Speaker 1: them come up. I know it was trapping everything in 443 00:23:05,960 --> 00:23:06,480 Speaker 1: and keeping it. 444 00:23:06,520 --> 00:23:10,680 Speaker 2: I guess, but well, to explore the way my mind thinks, 445 00:23:10,760 --> 00:23:13,080 Speaker 2: is a forty year old woman a trap. I know 446 00:23:13,119 --> 00:23:16,000 Speaker 2: what the trap is and what it means to be kept, 447 00:23:16,040 --> 00:23:18,520 Speaker 2: and so a trapper keeper like that name. It just 448 00:23:18,560 --> 00:23:20,399 Speaker 2: has a different connotation now. 449 00:23:20,840 --> 00:23:22,560 Speaker 1: Right, Well it did then I don't know. I mean, 450 00:23:22,640 --> 00:23:24,719 Speaker 1: trap always been in the trap. So you you may 451 00:23:25,160 --> 00:23:28,200 Speaker 1: not knowing about the trap, but it's been a trapped 452 00:23:28,240 --> 00:23:30,040 Speaker 1: since the nineties. So I don't know what you're talking about, 453 00:23:30,280 --> 00:23:32,440 Speaker 1: but I knew. I used to love this cheat sheet. 454 00:23:32,480 --> 00:23:34,760 Speaker 1: I'm looking at it now, just getting off topic. I 455 00:23:34,840 --> 00:23:36,920 Speaker 1: used to love the multiplication table because I never knew 456 00:23:36,920 --> 00:23:39,080 Speaker 1: my multication table, Jay, and I still don't to this day. 457 00:23:40,160 --> 00:23:41,800 Speaker 2: I used to have the Did you ever have the 458 00:23:41,840 --> 00:23:44,119 Speaker 2: plastic things with the It was like a table with 459 00:23:44,480 --> 00:23:45,480 Speaker 2: the buttons. 460 00:23:46,760 --> 00:23:48,359 Speaker 1: Yeah, I had to. I'll show you what it looks 461 00:23:48,400 --> 00:23:49,960 Speaker 1: like later, y'all. I didn't have it because I was 462 00:23:50,040 --> 00:23:52,640 Speaker 1: never interested in learning it. I didn't learn learn it. 463 00:23:52,880 --> 00:23:55,439 Speaker 1: I still don't know my multiplication table. I know, like 464 00:23:55,560 --> 00:23:59,320 Speaker 1: fives and two's the easy one, ten some threes, you 465 00:23:59,359 --> 00:24:01,720 Speaker 1: know for the most part, but I just never I 466 00:24:01,760 --> 00:24:05,680 Speaker 1: don't know it, just never. It always, just never stuck 467 00:24:05,720 --> 00:24:09,680 Speaker 1: to me. Math was just always a challenge for me always. 468 00:24:10,320 --> 00:24:13,720 Speaker 2: Yeah, And it's it's interesting too because you know, I'm 469 00:24:13,760 --> 00:24:16,480 Speaker 2: on social media a lots and I follow social media 470 00:24:16,480 --> 00:24:19,520 Speaker 2: in different countries, especially Asian countries, and I see how 471 00:24:19,680 --> 00:24:24,719 Speaker 2: children like China and Japan and Taiwan are learning math. 472 00:24:24,880 --> 00:24:27,480 Speaker 2: They have whole other systems of math that I've never 473 00:24:27,520 --> 00:24:32,440 Speaker 2: seen before. I've always been an Ela person too. But yeah, 474 00:24:32,920 --> 00:24:34,800 Speaker 2: I'm gonna get you a multiple. We can work with it. 475 00:24:34,960 --> 00:24:36,959 Speaker 1: You ain't give me no multiple, girl, I'm done with it. 476 00:24:36,960 --> 00:24:39,680 Speaker 1: I'm totally I'm totally five. Would never know a math 477 00:24:40,520 --> 00:24:46,239 Speaker 1: like totally fine, never know fine with it. I'm just 478 00:24:46,240 --> 00:24:48,320 Speaker 1: being honest about I know a lot of things, and 479 00:24:48,359 --> 00:24:51,720 Speaker 1: math has just never been my I've always hated it 480 00:24:51,880 --> 00:24:53,720 Speaker 1: and I think it had a lot of mental had 481 00:24:53,720 --> 00:24:55,080 Speaker 1: a lot to do to too. Like if you know 482 00:24:55,160 --> 00:24:56,679 Speaker 1: you hate it, you know you don't like it, you're 483 00:24:56,720 --> 00:24:58,040 Speaker 1: going to Oh, man, I hate it. I hate I 484 00:24:58,080 --> 00:25:00,920 Speaker 1: hated it. It was always anxiety with you know, I 485 00:25:01,320 --> 00:25:03,919 Speaker 1: got through it enough to you know, do what I 486 00:25:03,960 --> 00:25:07,359 Speaker 1: needed to do to pass, but it just wasn't It 487 00:25:07,480 --> 00:25:10,200 Speaker 1: was not my thing at all. Jada's really smart and 488 00:25:10,280 --> 00:25:13,520 Speaker 1: math and science. That's her strongest. Science, it's her strongest. 489 00:25:13,720 --> 00:25:17,720 Speaker 1: She's like one hundred percent, you know, in science ninety nine, 490 00:25:17,880 --> 00:25:20,119 Speaker 1: ninety seven. Matter of fact, this year she just dropped 491 00:25:20,160 --> 00:25:22,960 Speaker 1: two culinary She has three science classes just taken just 492 00:25:23,000 --> 00:25:24,920 Speaker 1: to be taken. So she's she's pretty dark. 493 00:25:25,800 --> 00:25:32,960 Speaker 2: I love that. So, speaking of trapper keepers, science, math, 494 00:25:33,119 --> 00:25:37,280 Speaker 2: education and going back to school stuff, there's another story 495 00:25:37,320 --> 00:25:42,040 Speaker 2: that I found to be really interesting. They're saying at 496 00:25:42,080 --> 00:25:44,480 Speaker 2: CBS News is a study in the article that came 497 00:25:44,560 --> 00:25:49,200 Speaker 2: out that computer tablet use is linked to angry outbursts 498 00:25:49,240 --> 00:25:55,080 Speaker 2: among toddlers. All right, I know you have been out 499 00:25:55,520 --> 00:25:58,480 Speaker 2: in the store or it just anywhere, right, and you see, 500 00:25:58,560 --> 00:26:02,960 Speaker 2: you know how children are are very committed to these devices. 501 00:26:03,680 --> 00:26:05,880 Speaker 2: But you know a lot of parents are complaining that 502 00:26:05,920 --> 00:26:09,520 Speaker 2: their toddlers literally have meltdowns and anxiety and all types 503 00:26:09,560 --> 00:26:11,000 Speaker 2: of freakouts because like. 504 00:26:11,680 --> 00:26:14,520 Speaker 1: I'm sorry, but the way you say that, he's like 505 00:26:14,600 --> 00:26:18,440 Speaker 1: meltdowns and free tail Okay, sorry, you know what I mean, 506 00:26:18,960 --> 00:26:21,960 Speaker 1: freaking out when you take this this this stuff away, 507 00:26:22,040 --> 00:26:26,200 Speaker 1: these these computers, tablets and things. And so they're saying 508 00:26:26,240 --> 00:26:30,840 Speaker 1: that children logging in seventy five minutes or more of 509 00:26:30,960 --> 00:26:34,920 Speaker 1: daily screen time at three and a half years old, 510 00:26:35,160 --> 00:26:41,640 Speaker 1: were more apt to outbursts of anger and frustration. That 511 00:26:41,880 --> 00:26:46,960 Speaker 1: is very very interesting. So arts children, you know, I 512 00:26:47,000 --> 00:26:48,200 Speaker 1: don't know if they're addicted. 513 00:26:47,920 --> 00:26:48,640 Speaker 2: To the blue light. 514 00:26:49,080 --> 00:26:50,880 Speaker 1: You put that addicted to it all, just like we are. 515 00:26:50,920 --> 00:26:52,920 Speaker 1: You can't put your phone down, You're always looking at it, 516 00:26:53,160 --> 00:26:55,960 Speaker 1: you're always scrolling, you always. Yeah, the dames about blue 517 00:26:56,000 --> 00:26:59,760 Speaker 1: lights all were literally all addicted to these phones, and 518 00:26:59,840 --> 00:27:02,080 Speaker 1: they probably was in the wound with their parents. Addicted 519 00:27:02,119 --> 00:27:05,080 Speaker 1: to the phone. Like literally, look go to a restaurant 520 00:27:05,119 --> 00:27:08,440 Speaker 1: and look around. Everybody's on their phone. Like literally, people 521 00:27:08,480 --> 00:27:11,320 Speaker 1: cannot put the damn phone down. I even have to say, 522 00:27:11,359 --> 00:27:13,199 Speaker 1: like when we have quality time, like let's try to 523 00:27:13,200 --> 00:27:15,359 Speaker 1: put the phone down a minute. Like it's it's a 524 00:27:15,400 --> 00:27:18,720 Speaker 1: real chore to have to, Like it's really hard for 525 00:27:18,720 --> 00:27:21,120 Speaker 1: people be like, let's just spend thirty minutes of literally 526 00:27:21,160 --> 00:27:23,680 Speaker 1: not looking at the phone and talking to each other. 527 00:27:24,000 --> 00:27:24,960 Speaker 1: It's a real addiction. 528 00:27:27,200 --> 00:27:27,400 Speaker 2: Nice. 529 00:27:27,920 --> 00:27:30,600 Speaker 1: So when they crying out, hollering timber tandrums, it's just 530 00:27:30,640 --> 00:27:32,480 Speaker 1: like grown folks be saying I can't find my phone. 531 00:27:32,480 --> 00:27:34,080 Speaker 1: I can't find my phone, where's my phone? Oh my god, 532 00:27:34,119 --> 00:27:35,920 Speaker 1: I lost my phone. Oh when the allage is out? 533 00:27:35,920 --> 00:27:38,280 Speaker 1: What am I gonna do without my phone? Remember when 534 00:27:38,359 --> 00:27:40,719 Speaker 1: my they had the outage and Michelle was like, oh 535 00:27:40,720 --> 00:27:43,080 Speaker 1: my god, no, Taels, I'm going crazy, And I'm like, no, actually, 536 00:27:43,119 --> 00:27:45,879 Speaker 1: I'm not going crazy. I mean, actually I'm enjoying not 537 00:27:46,000 --> 00:27:47,520 Speaker 1: being able to be reached for a minute. I was 538 00:27:47,600 --> 00:27:48,639 Speaker 1: enjoying the solid. 539 00:27:49,119 --> 00:27:51,520 Speaker 2: I really concerned because I couldn't reach you, And I 540 00:27:51,560 --> 00:27:51,920 Speaker 2: was like. 541 00:27:51,840 --> 00:27:56,159 Speaker 1: Oh, yeah, yeah, but I I know she went crazy. 542 00:27:56,359 --> 00:27:59,280 Speaker 1: No I didn't. Actually, what are you talking about, Michelle, Like, 543 00:27:59,280 --> 00:28:02,159 Speaker 1: what are you talking about? I don't even so, yeah, no, 544 00:28:02,240 --> 00:28:04,800 Speaker 1: it was. It was nice. The solitude was nice. Even 545 00:28:05,200 --> 00:28:09,560 Speaker 1: I know that's weird, but I enjoyed even the electric 546 00:28:09,600 --> 00:28:12,240 Speaker 1: out it was frustrating, like okay, it's over with now 547 00:28:12,320 --> 00:28:14,920 Speaker 1: seven days, let's get busy, but let's keep back going. 548 00:28:15,240 --> 00:28:20,280 Speaker 1: But it really was. It really was some real resetting, 549 00:28:21,040 --> 00:28:23,720 Speaker 1: you know, without you know, I charged my phone in 550 00:28:23,720 --> 00:28:25,840 Speaker 1: the car, watch a little bit on my phone or whatever, 551 00:28:25,880 --> 00:28:27,680 Speaker 1: but I wasn't trying to use battery that much because 552 00:28:27,680 --> 00:28:29,440 Speaker 1: I wasn't want to keep going out of charging my car. 553 00:28:29,760 --> 00:28:32,960 Speaker 1: So just being in the dark and having a candle 554 00:28:33,480 --> 00:28:36,720 Speaker 1: and just really just in solitude by yourself. It can 555 00:28:36,800 --> 00:28:39,920 Speaker 1: do you some good. It really made my mind slow 556 00:28:40,040 --> 00:28:43,640 Speaker 1: down and just think about how blessed I was that 557 00:28:43,720 --> 00:28:46,040 Speaker 1: if I needed to drive to a hotel out of state, 558 00:28:46,120 --> 00:28:48,160 Speaker 1: I could have. I had the resource to do it. 559 00:28:48,520 --> 00:28:50,720 Speaker 1: I thought about all the people that could not, that 560 00:28:50,920 --> 00:28:53,920 Speaker 1: really were stuck. You know, I was grateful that Jada 561 00:28:53,960 --> 00:28:56,440 Speaker 1: had her dad, so she his power was on, so 562 00:28:56,480 --> 00:28:58,680 Speaker 1: he was able to you know, she was able to 563 00:28:58,720 --> 00:29:01,160 Speaker 1: stay over there. So I thought about how grateful I 564 00:29:01,280 --> 00:29:04,360 Speaker 1: was about that. You know, it's just a lot to it. 565 00:29:04,520 --> 00:29:07,560 Speaker 1: So yeah, it's an addiction to all of us. And 566 00:29:07,640 --> 00:29:11,200 Speaker 1: so yes, babies are hollering and screaming, just like where 567 00:29:11,320 --> 00:29:13,479 Speaker 1: we act like crack cocaine when we don't have our 568 00:29:13,520 --> 00:29:15,320 Speaker 1: phone on my phone in my hand, my phone checking 569 00:29:15,360 --> 00:29:17,880 Speaker 1: it out, when the club checking at the restaurant, checking 570 00:29:17,880 --> 00:29:20,440 Speaker 1: in here, going live. This is that people literally and 571 00:29:20,560 --> 00:29:24,320 Speaker 1: especially people to suffer with depression and anxiety and mental 572 00:29:24,320 --> 00:29:27,520 Speaker 1: illness and all that they really like these phones become 573 00:29:27,600 --> 00:29:30,920 Speaker 1: true and panions the people that they're talking to. I'm 574 00:29:30,920 --> 00:29:32,640 Speaker 1: not gonna say no names, but like there's been people 575 00:29:32,640 --> 00:29:34,560 Speaker 1: on here like I've really been, like I'm concerned this 576 00:29:34,600 --> 00:29:38,120 Speaker 1: person like crashing out for real, you know, like literally 577 00:29:38,520 --> 00:29:42,840 Speaker 1: talking to these people in this phone and making connections, 578 00:29:43,000 --> 00:29:47,320 Speaker 1: a false sense of connection without real people around to 579 00:29:47,400 --> 00:29:48,920 Speaker 1: really connect, you know what I'm saying, Like it's a 580 00:29:48,960 --> 00:29:51,920 Speaker 1: real thing for real. Yes. 581 00:29:52,320 --> 00:29:54,480 Speaker 2: And you know, when I came across this study and 582 00:29:54,480 --> 00:29:58,920 Speaker 2: it was talking about the children having separation anxiety and 583 00:29:59,040 --> 00:30:02,280 Speaker 2: having these outburst and throwing these dad on tantrums when 584 00:30:02,280 --> 00:30:05,840 Speaker 2: their parents take their iPads or technology and tablets away, 585 00:30:06,560 --> 00:30:09,120 Speaker 2: I was like, Wow, did baby y'all. 586 00:30:08,920 --> 00:30:12,120 Speaker 1: Bet we be having them same tantrums? Shit, Like, same 587 00:30:12,240 --> 00:30:15,400 Speaker 1: tantrums they're used to, especially the ADHD they used to, 588 00:30:15,560 --> 00:30:19,280 Speaker 1: the movement and the constant going and the mind and yeah, 589 00:30:19,680 --> 00:30:22,400 Speaker 1: grown folks be having tantrums too. We all could detox 590 00:30:22,440 --> 00:30:24,760 Speaker 1: off social media. I enjoyed earlier this year, when I 591 00:30:24,800 --> 00:30:26,840 Speaker 1: got off social media for about a couple of weeks, 592 00:30:26,840 --> 00:30:31,400 Speaker 1: it was nice. I've been after check nothing I enjoyed 593 00:30:31,440 --> 00:30:32,760 Speaker 1: like Twitter. I don't even you know, I ain't on 594 00:30:32,760 --> 00:30:34,640 Speaker 1: Twitter anymore. I'm on there, but I don't even check, 595 00:30:34,880 --> 00:30:38,080 Speaker 1: literally don't. I posted some of it after debate because 596 00:30:38,120 --> 00:30:39,680 Speaker 1: I just wanted to, you know, bring trying to get 597 00:30:39,720 --> 00:30:41,520 Speaker 1: some numbers up and I went over there the other 598 00:30:41,600 --> 00:30:43,360 Speaker 1: day and said, I was like, well, else three people 599 00:30:43,680 --> 00:30:45,760 Speaker 1: had some positive say as the negative to say. But 600 00:30:45,880 --> 00:30:48,320 Speaker 1: I literally stay. When I said I divested off Twitter, 601 00:30:48,360 --> 00:30:49,840 Speaker 1: I meant that, you know, I had to go back 602 00:30:49,840 --> 00:30:52,400 Speaker 1: to today a couple of weeks ago do some straightening. 603 00:30:52,960 --> 00:30:55,240 Speaker 1: But other than that, I haven't been on in five 604 00:30:55,320 --> 00:31:01,680 Speaker 1: six I don't think all year. And you know, I just, girl, 605 00:31:01,960 --> 00:31:04,440 Speaker 1: I'm trying to have less of this, you know, you 606 00:31:04,560 --> 00:31:07,360 Speaker 1: have to do. I haven't been on Facebook in years. 607 00:31:07,920 --> 00:31:10,880 Speaker 2: Yea me either. Yeah, Facebook, they call it fairbook. 608 00:31:12,160 --> 00:31:14,560 Speaker 1: It ain't no more Instagram and everything else. I don't 609 00:31:14,560 --> 00:31:17,240 Speaker 1: know what they're talking about, but I just girl know, 610 00:31:17,400 --> 00:31:19,120 Speaker 1: a less of this is better. We have to do 611 00:31:19,160 --> 00:31:20,960 Speaker 1: it because you know, it's part of the business. Stay 612 00:31:21,000 --> 00:31:24,400 Speaker 1: and engaged, you know, people getting connected. That's how information 613 00:31:24,520 --> 00:31:29,479 Speaker 1: travels now. But the less of it, I'm cool with it. 614 00:31:30,280 --> 00:31:33,720 Speaker 1: I also don't scroll and be entertained by it. There's 615 00:31:33,760 --> 00:31:35,440 Speaker 1: some people I'll go to their page and be like, hey, 616 00:31:35,480 --> 00:31:36,800 Speaker 1: I wonder what skit they do? You know, like a 617 00:31:36,840 --> 00:31:39,959 Speaker 1: few comedians I follow that I just think hilarious, and 618 00:31:40,000 --> 00:31:41,960 Speaker 1: I'll just kind of go do that. But I don't 619 00:31:41,960 --> 00:31:44,720 Speaker 1: just sit up and scroll, like just at night time. 620 00:31:44,840 --> 00:31:46,840 Speaker 1: Like my best friend, she scrolls a lot of scroll. 621 00:31:46,840 --> 00:31:49,719 Speaker 1: I go back and watch old court TV cases on 622 00:31:49,760 --> 00:31:52,400 Speaker 1: YouTube and different stuff, you know, different stuff like that. 623 00:31:52,480 --> 00:31:55,440 Speaker 1: But I don't just so it's only so much of 624 00:31:56,560 --> 00:32:00,760 Speaker 1: cute videos or you know, funny stories. And my boyfriend 625 00:32:00,720 --> 00:32:03,240 Speaker 1: get mad because he scrolled. He's a scroll and be like, 626 00:32:03,280 --> 00:32:06,560 Speaker 1: oh look, it's crazy, it's funny, and I'd be like, okay, 627 00:32:06,880 --> 00:32:09,600 Speaker 1: I guess I'm just not amused by it, like like 628 00:32:09,640 --> 00:32:12,040 Speaker 1: it's okay, you can enjoy without me. It's not a 629 00:32:12,400 --> 00:32:15,280 Speaker 1: but to him, it's a real tool of inspiration, and 630 00:32:15,320 --> 00:32:17,920 Speaker 1: he's a content creator, so he's always looking at it 631 00:32:17,960 --> 00:32:21,920 Speaker 1: and looking for ideas and being inspired. And I'm not. 632 00:32:22,640 --> 00:32:25,320 Speaker 1: I'm not on social media for that, you know, at all. 633 00:32:25,760 --> 00:32:29,200 Speaker 1: I'm wanting to put the information out, educate. I really 634 00:32:29,240 --> 00:32:31,600 Speaker 1: don't like Instagram because it's a picture about everything. Well. 635 00:32:31,640 --> 00:32:34,680 Speaker 1: I do like Facebook because Facebook would at least allow 636 00:32:34,760 --> 00:32:38,560 Speaker 1: you to post something and make a thread and have 637 00:32:38,760 --> 00:32:41,680 Speaker 1: long and I love in the comments putting photos and 638 00:32:41,800 --> 00:32:45,080 Speaker 1: other links. I do like that about Facebook, but just 639 00:32:45,080 --> 00:32:47,800 Speaker 1: got off Facebook because I didn't want my family blending 640 00:32:47,920 --> 00:32:56,240 Speaker 1: in my public world. So that's that. Yeah, so yep. 641 00:32:56,760 --> 00:33:00,200 Speaker 1: But anyway, guys, thank you for tapping in another week 642 00:33:00,200 --> 00:33:02,720 Speaker 1: get Straight Shot No Chaser. We'll be back next week. Guys. 643 00:33:02,800 --> 00:33:06,520 Speaker 1: Every Thursday. Sometimes we do a Bombas episode on Tuesdays, 644 00:33:06,600 --> 00:33:09,840 Speaker 1: but for the most part every not for the most part, 645 00:33:10,000 --> 00:33:14,200 Speaker 1: literally every Thursday. There will be new content. But check 646 00:33:14,240 --> 00:33:17,719 Speaker 1: out the Bombas episodes as I drop those and continue 647 00:33:17,760 --> 00:33:19,400 Speaker 1: to try to keep you guys updated on some in 648 00:33:19,560 --> 00:33:21,959 Speaker 1: the now type stuff. But thank you for rocking with 649 00:33:22,040 --> 00:33:24,280 Speaker 1: us again. Thank you Jade for being there as usual. 650 00:33:24,320 --> 00:33:26,320 Speaker 1: Shout out to Dwayne, our producer, who y'all never hear, 651 00:33:26,360 --> 00:33:27,920 Speaker 1: but it's always in the background. That's to make sure 652 00:33:27,920 --> 00:33:30,520 Speaker 1: this stuff gets uploaded. Make sure it's all done, and 653 00:33:30,560 --> 00:33:31,880 Speaker 1: we'll check in with y'all next time. 654 00:33:32,000 --> 00:33:32,280 Speaker 2: Peace. 655 00:33:33,600 --> 00:33:36,240 Speaker 1: If you like what you heard on Straight Shot No Chaser, 656 00:33:36,280 --> 00:33:38,800 Speaker 1: please subscribe and drop a five star review and tell 657 00:33:38,840 --> 00:33:41,160 Speaker 1: a friend. Straight Shot No Chaser is a production of 658 00:33:41,200 --> 00:33:44,680 Speaker 1: the Black Effect podcast networking iHeart Radio, Antism figure Out, 659 00:33:44,720 --> 00:33:48,120 Speaker 1: and I like to thank our producer editor mixer Dwayne Craffer, 660 00:33:48,280 --> 00:33:50,840 Speaker 1: and our executive producer Charlotta Magne to God. For more 661 00:33:50,880 --> 00:33:55,720 Speaker 1: podcasts from iHeartRadio, visit the iHeartRadio, app, Apple Podcasts, or 662 00:33:55,720 --> 00:34:05,200 Speaker 1: wherever you get your podcasts.