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Speaker 1: Hey, hey, hey, I thought I'd start off with a

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Speaker 1: little sexy. Hey, it's me tipp Day by Daday's and

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Speaker 1: this is Brown Ambition.

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Speaker 2: Hey, Mandra, So you started sexy and how was that ending?

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Speaker 1: What were we doing? Ended? Wild and crazy? Because you know,

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Speaker 1: I can't say sexy long?

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Speaker 2: How's it going? Happy Brand Ambition Wednesday?

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Speaker 1: Yeah, I'm super excited because next week it's my birthday

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Speaker 1: and I'm turning the big Bote. Isn't that crazy?

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Speaker 2: I told you know, I had lunch with our Oh,

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Speaker 2: I sorry, I had breakfast this morning with our buddy,

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Speaker 2: Sharon Epperson from CNEC. You guys got to go back

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Speaker 2: and listen to our episode with Sharon, our interview with her.

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Speaker 2: She a few years ago had a break and aneurysm

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Speaker 2: and bounced back and uh has so much. Has such

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Speaker 2: an interesting story of how her brain aneurysm kind of

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Speaker 2: changed the trajectory of her career at CNBC. Anyway, mentioned

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Speaker 2: to sharing we were talking about you, of course, that

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Speaker 2: you're returning the Big four to zero, and the first

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Speaker 2: thing she said is God, I love Melanin like, because

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Speaker 2: she was like, I would never guess that Tiffany was forty.

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Speaker 1: I know, I'm not gonna lie. I would never guess

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Speaker 1: that I'm forty either. It feels so old. But honestly

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Speaker 1: I don't feel so you know, I guess that counts

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Speaker 1: for something. Yeah, yeah, I'm actually excited about would you

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Speaker 1: say forty is the new thirty, right? Yeah, Honestly, I

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Speaker 1: feel I feel good because I I have to reflect on,

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Speaker 1: like my life. I kind of feel like that the

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Speaker 1: things that I sat out to accomplished as far as professionally,

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Speaker 1: and the only things really that I'm like really working

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Speaker 1: on moving forward is I feel like my personal life,

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Speaker 1: like I want to build deeper relationships and I want

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Speaker 1: to be a better person those kind of things like

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Speaker 1: I I mean, of course I've got like world domination

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Speaker 1: through the budget hay stuff, but I feel like that's

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Speaker 1: going to happen either way. But really I really want

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Speaker 1: to work on being a better person and work all

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Speaker 1: that aspect of my life. That's my little reflective turning

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Speaker 1: forty south.

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Speaker 2: And just yeah, and don't forget to look. I mean,

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Speaker 2: it's a nice time to reflect on all your accomplishments too.

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Speaker 2: Mm hm, it's not necessarily I mean speaking, I don't know,

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Speaker 2: I'll probably I mean it's probably like a bunch of

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Speaker 2: different emotions mixed into one. Yeah, where you are not

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Speaker 2: sure where you're going blah blah blah. I can only imagine,

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Speaker 2: and it.

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Speaker 1: Depends where because I you know, it's so crazy because

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Speaker 1: my thirtieth birthday, when I was turning thirty, that's when

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Speaker 1: I just moved home and I was sleeping in my

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Speaker 1: middle school bed. So it's been a it's been a

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Speaker 1: crazy rod. I'm like, wow, last Big Moments's birthday was

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Speaker 1: quite a different situation to circumstance. I was literally like

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Speaker 1: it was like turning thirty and my dad was like,

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Speaker 1: make sure you're home by midnight. That's to curfew. And

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Speaker 1: I was like, wait, what So we come a long way, baby,

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Speaker 1: I think you no more midnight curfew, grown woman.

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Speaker 2: No.

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Speaker 1: But I'm honestly, I'm really excited because this week this

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Speaker 1: past weekend, I took the Unicorn Squad. That's the name

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Speaker 1: of my team, and we call them Unicorns because I

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Speaker 1: say they make magic happen every day. It was eighteen

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Speaker 1: of us, so myself, my business partner Jabrill, and I.

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Speaker 1: It was really his idea. To give him credit that

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Speaker 1: last year was the first time that we took everyone

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Speaker 1: away on kind of like a family vacation, and this

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Speaker 1: was our second year. Mandy. It was so much fun.

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Speaker 1: You would not think that, like because it's literally Jabrill

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Speaker 1: and seventeen women no drama know nothing. When I tell

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Speaker 1: you fun, and I love that. I mean I don't

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Speaker 1: think I laughed more or danced more. It was like

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Speaker 1: summer camp for grown women, and Jabrill.

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Speaker 2: I have just as much Filmo for that as I

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Speaker 2: do for Tyler Perry's Atlanta studio opening.

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Speaker 1: Yes, it was.

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Speaker 2: It's just really looked like amazing weekends.

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Speaker 1: Well because you know, the team looked We work largely remotely,

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Speaker 1: so it's like the question always comes up, like how

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Speaker 1: do you keep you know, like you get to see

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Speaker 1: your team regularly, so like you can build relationships, you know,

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Speaker 1: like these kind of intimate relationships. But it's it can

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Speaker 1: be difficult when it's when everybody works all around the world.

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Speaker 1: Like Natalie Watsi Zaka that's her name, she lives in Israel.

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Speaker 1: Jabrill doesn't live anywhere. He just goes from place to place.

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Speaker 1: Although he doesn't he lives in Opland now, but like

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Speaker 1: it's never there.

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Speaker 3: Karen is in at least that he's yes, Yeah, he's

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Speaker 3: just like I mean, he literally lives places for like

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Speaker 3: three months stints and then like uh, Logan lives in DC,

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Speaker 3: Karen lives in Atlanta and lives in Philly.

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Speaker 1: So everybody lives all these different places and yeah, and

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Speaker 1: so to get together and to meet people and to

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Speaker 1: hug them, like, well, I have to say, Sylvia lives

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Speaker 1: in Arkansas because she's like no one ever managins Arkansas,

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Speaker 1: and so it's just nice to like hug on them.

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Speaker 1: And we did. We we got a private chef, and

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Speaker 1: we we rented we're air and b Airbnb houses. We

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Speaker 1: had we bought like when I bought, but we rented

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Speaker 1: some cars to take us around. We did the escape room,

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Speaker 1: We had a barbecue. We went to Scott Scott Stales

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Speaker 1: I called Arizona.

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Speaker 2: Oh, Arizona, Okay, And it was beautiful.

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Speaker 1: So we definitely had to go to a beautiful spot.

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Speaker 1: So we found like this five stars, dime five diamond,

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Speaker 1: not even star five diamond spot. It was the best

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Speaker 1: bout any of us I'd ever been to. So honestly,

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Speaker 1: it was such a good time. It was Yeah, it

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Speaker 1: was three nights, four days, and we just really enjoyed,

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Speaker 1: Like my sister got to come for the first time

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Speaker 1: because she's been on the team. We say, people asked

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Speaker 1: how were we able to like afford and so what we

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Speaker 1: did was we saved two percent of our gross income

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Speaker 1: from the companies and we stashed it in the savings

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Speaker 1: account and then that's our budget. And actually we kind

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Speaker 1: of came in under budget. I think I want to

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Speaker 1: say we had like forty something thousand saves, and I

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Speaker 1: think we say we spent thirty nine thousands. So we

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Speaker 1: played for flights, accommodations, even the car, your lift or

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Speaker 1: you're whatever from the house to the airport and back again.

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Speaker 1: Even that we pay for everything. I don't want you

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Speaker 1: to pay for anything. This is just the time to enjoy.

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Speaker 1: And so this is the second year we came on

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Speaker 1: the budget last year. We came on the budget this year,

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Speaker 1: so I was like proud of that that like, yeah,

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Speaker 1: I would say probably cost around forty thousand dollars for

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Speaker 1: about twenty of us. We even got a videographer to

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Speaker 1: kind of like document like our weekend together. So the

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Speaker 1: Unicorn squad, it's like we're all amped up and everybody's

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Speaker 1: extra and rejuvenated and so yeah, I would honestly love

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Speaker 1: to hear from the listeners like, what's something that your

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Speaker 1: employer has done that just made you like super happy

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Speaker 1: and geeked because I'm always trying to be a better

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Speaker 1: leader and a better employer, so that way people are

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Speaker 1: super happy to work with that.

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Speaker 2: I think you're on the right track. I wouldn't worry.

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Speaker 2: I don't think anyone out there can talk and all expense,

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Speaker 2: all expenses paid girlfriend's weekend with a spa and a videographer,

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Speaker 2: what private chef? What s got to here? Just looking

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Speaker 2: for ways to improve all the amazingness that's already you know.

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Speaker 1: And it's because, first of all, like I forgot, I

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Speaker 1: never really told the team. I know, y'all listen to listen,

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Speaker 1: but her a little snitche behind hey, Adelie, So she

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Speaker 1: she listened to the podcast regularly, and she was telling

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Speaker 1: the team that's what you get all the tea about

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Speaker 1: the company, guys. That's how I found out that Timpany

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Speaker 1: let go the admint after one day. And then she

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Speaker 1: had everyone listen and I'm looking like, really, oh man,

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Speaker 1: I know, and they were like, oh, Timpany, you savage.

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Speaker 1: I'm like, no, I'm not savage, but they were like,

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Speaker 1: you know what, that it was best for the team,

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Speaker 1: and they kind of gave me some feedback up some

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Speaker 1: interactions they had with with the admin, and so, I mean,

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Speaker 1: it's just still we know we made the right choice.

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Speaker 1: But it's just funny that she listens to the podcast

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Speaker 1: for Tea Tea on the business.

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Speaker 2: That's just smart. That's a smart that's a smart employee. Right, well,

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Speaker 2: that's amazing. I was just joking about Tyler Perry, but

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Speaker 2: I was, you know, I'm from Atlanta, and it felt

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Speaker 2: like literally everybody I've ever known much invited to this

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Speaker 2: Tyler Perry party, and of course everyone I didn't know

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Speaker 2: the clip showed up. I'm like, the only people who

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Speaker 2: did not show up were the Obamas, is what it

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Speaker 2: felt like. I don't know what they were doing, but

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Speaker 2: it was like every I mean, all of the black

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Speaker 2: power in America was in Atlanta for this studio opening.

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Speaker 1: Honestly, it's that amazing what he's been able to do.

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Speaker 1: And did you know that the studio like this, it's

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Speaker 1: bigger than what is it Disney Warner Brothers? Is something

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Speaker 1: all the major studios combined. Isn't that crazy?

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Speaker 2: I did not I did not know that. I did watch.

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Speaker 2: I watched Ava Duvernet stories, and they do like a

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Speaker 2: trolley tour of the whole studio. I mean, they legit

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Speaker 2: built the freaking white house, like the front and the

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Speaker 2: back of it, and they have a whole neighborhood on

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Speaker 2: his studio. Like and you know, Tayler Perry gets a

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Speaker 2: lot of crap for the films and the quality of

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Speaker 2: them and what are they really doing for the culture

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Speaker 2: and blah blah blah. But I'm just saying, man, when

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Speaker 2: a man can be that successful, a black man can

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Speaker 2: be as successful as all the mediocre white people producing,

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Speaker 2: Like come on, like, we don't all need to be

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Speaker 2: oscar makers, Like when we have the right to be

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Speaker 2: hella successful, hella rich, have big ass studios, do what

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Speaker 2: we want to do and put out work that's not

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Speaker 2: always going to be like the creme de la creme.

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Speaker 2: That is when I feel like we've made some progress, right,

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Speaker 2: I mean, so let him make his media movies. And

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Speaker 2: you know, obviously his content does appeal to his audience,

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Speaker 2: and he knows his audience as well, so I give

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Speaker 2: him nothing but respect. And it seemed like a really

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Speaker 2: beautiful inspirational, you know weekend. So good for him and

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Speaker 2: good for Atlanta. Like yeah, all that all that money

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Speaker 2: from Hollywood moving into Atlanta. It makes me feel good

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Speaker 2: to know that we've got like this is history. This

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Speaker 2: is the first black owned studio like on this scale

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Speaker 2: in the country and it's in Atlanta. So go shut

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Speaker 2: out to my hometown. Why did you get so cool it?

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Speaker 1: I know, well, and that has been cool for a

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Speaker 1: while now, you know, because first of all, Atlanta got

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Speaker 1: a man named gotta gotta mayor named Keisha. There's like

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Speaker 1: a rap song that has that in its what And

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Speaker 1: I love that Because I was watching this documentary that

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Speaker 1: Prudential has Legacy lives on. It's the one that I'm

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Speaker 1: a part of. And they asked Keisha long Bottom, like,

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Speaker 1: what's your favorite what's your favorite line of Atlanta? And

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Speaker 1: she said, besides, Atlanta got a mayor named Keisha, And

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Speaker 1: I just love that, Like Keisha, Okay, I don't know

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Speaker 1: if there's a blacker name and I love it, but yeah,

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Speaker 1: it just it was very I'm so glad that Ever

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Speaker 1: kind of showed like the tour because I was blown away.

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Speaker 1: I was like, that was actually gonna be my brown

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Speaker 1: booth saying thanks man, driving what apps together? Yeah? No,

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Speaker 1: it just yeah, it looked amazing. I was like, wow,

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Speaker 1: you know what, I think the biggest takeaway and actually

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Speaker 1: had me thinking maybe we could talk about this like

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Speaker 1: between us, like what like he said that what he

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Speaker 1: wanted people to take away is that to dream bigger.

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Speaker 1: What is your wildest probably not gonna happen, but you know,

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Speaker 1: wildest dream you get think of. And I was thinking

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Speaker 1: to myself, like, what would that be for me? My wildest,

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Speaker 1: kookiest yeah, right dream?

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Speaker 2: You know, are you gonna share?

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Speaker 1: I think?

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Speaker 2: Are you just neule?

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Speaker 1: No? You well, I think like, I mean, there's a

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Speaker 1: bunch of different things, but one one of them would

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Speaker 1: be to like have like a billion dollar business, and

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Speaker 1: honestly not the one that you would think, not the

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Speaker 1: budget Nesta, but through Molly Moore, my children's book, like

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Speaker 1: I could totally see her, you know, being a TV show,

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Speaker 1: being like a standalone character, being something that like, you know,

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Speaker 1: fifty years from now, when I'm not here anymore, well

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Speaker 1: or I'm ninety, so I am going to be here.

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Speaker 1: But fifty years from now, people like kids are still

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Speaker 1: talking about Molly Moore, the character the way they talk

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Speaker 1: about like I don't know, the smirks or something. That

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Speaker 1: would be my biggest wildest like Kookie is like that,

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Speaker 1: Like I have, I grew Molly Moore and the brand

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Speaker 1: to this billion dollar brand that includes like merchandise and

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Speaker 1: bedspreads and and sneakers and book bags and TV shows

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Speaker 1: and computer programs and all that kind of stuff. You know.

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Speaker 1: Also that would be crazy to me. But yeah, that's

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Speaker 1: probably my biggest dream.

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Speaker 2: I mean, she could be the next Doc mcstuffans.

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Speaker 1: Yes, I really like I could. I could feel that.

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Speaker 1: Like honestly, I feel like my temple is Dora. You know.

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Speaker 1: You know I did a little digging and research and

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Speaker 1: found that Dora, the worth of Dora the brand is

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Speaker 1: seven billion dollars with a big and I'm.

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Speaker 2: Like, she just got a whole new movie, like a

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Speaker 2: whole movie.

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Speaker 1: Yeah, that's what made So that would be my biggest dream.

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Speaker 1: What about you, what would be your biggest wildist craziest.

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Speaker 2: I just don't I don't even know. I've always dreamed

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Speaker 2: about being a Broadway playwright, which sounds like the douchiest

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Speaker 2: thing to ever dream about, but I don't care. I've

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Speaker 2: dreamt about it. That's what I've always wanted to, like

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Speaker 2: write a play, get a play produced, and I in

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Speaker 2: and of itself that feat forget about awards or successful,

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Speaker 2: but just like getting a play and and and like

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Speaker 2: selling tickets and people showing up for it. That is

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Speaker 2: my current fantasy. But I'm sitting here wanting. I'm sitting

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Speaker 2: here like, yeah, you can definitely make molly more a

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Speaker 2: billion dollar business. But in my head, I'm like, Brol,

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Speaker 2: You're never gonna red play like, You're never gonna be

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Speaker 2: like you know how you like you lift up your

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Speaker 2: friends and then you just like crap on you.

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Speaker 1: You're such a good writer. I mean, I don't live

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Speaker 1: that's so crazy.

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Speaker 2: Yeah, let me tell me it's not crazy because in

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Speaker 2: my head, I'm just it's something that I wanted to do.

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Speaker 2: And then I it's it's honestly that saying that you're

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Speaker 2: afraid to even say out loud because you Yeah, it's

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Speaker 2: just it's a it's a forbidden dream.

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Speaker 1: No. At first, I think one is such an old

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Speaker 1: writer too. You've got such discipline. I mean, I remember

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Speaker 1: you came to remember four years ago, you know, you

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Speaker 1: courted me at in New Orleans at thinkn like you

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Speaker 1: want to do a podcast, and now look I'm freaking

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Speaker 1: getting stopped in the street, not about Budgetista, but like

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Speaker 1: love your podcast. I'm like, what, okay, I mean men

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Speaker 1: and women. I'm like, look at the Jamal's out there

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Speaker 1: secretly listening. No, but I just think that, yeah, like

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Speaker 1: you you know, this was a dream that you had.

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Speaker 1: You didn't even know, like like what do we use?

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Speaker 1: What material? Like, how do we edit? How do we look?

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Speaker 1: You figured it out and now we're freaking rocking and rolling,

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Speaker 1: So I don't think.

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Speaker 2: It's I know, No, You're right, I mean that, and

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Speaker 2: I am really I'm super proud of the podcast. I'm

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Speaker 2: really proud, but like this is us, you know, to

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Speaker 2: do a play that's all me, and it's just it's

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Speaker 2: like it's scarier because it really is all you on

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Speaker 2: your own, just doing something, and the act of anyone

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Speaker 2: who's a writer or just writing a book or writing fiction.

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Speaker 2: I mean it is. It's just it's tortuous and I

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Speaker 2: don't know why we but it's also so rewarding to

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Speaker 2: just finish a body of work. So I'd be so

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Speaker 2: proud if I could, if I could do that, and

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Speaker 2: I and I you know, I'm not to be corny,

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Speaker 2: but I think about I I feel like there's extra

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Speaker 2: pressure now that I'm having a kid to not let

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Speaker 2: this be it, you know, Like I want and I

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Speaker 2: want several chapters after child. I want to have like

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Speaker 2: a couple of different careers after I have a kid,

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Speaker 2: and keep producing, keep creating, keep reinventing myself, and have

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Speaker 2: interesting things happen in my life, you know, so that

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Speaker 2: my kid will be excited about what's going on in

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Speaker 2: my life, you know what I mean, Like, Yeah, I

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Speaker 2: don't want it to be and she had a kid period.

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Speaker 2: I want there to be multiple chapters after that. And

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Speaker 2: there's no excuse why there shouldn't be. It's just, yeah,

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Speaker 2: it's it's a little daunting to think about, that's all.

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Speaker 1: Yeah. Yeah, But honestly, you can do it. If anybody

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Speaker 1: could do it, Mandy, you're like a force. Many'd be like,

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Speaker 1: let there be podcast okay, And they were like, and

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Speaker 1: there was podcasts and it was good.

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Speaker 2: Oh thank you, I am the god of podcast You're right.

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Speaker 1: Yeah, honestly, I would love, honestly to hear from our listeners, like,

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Speaker 1: let's follow in the theme of Tyler Perry, what is

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Speaker 1: your big, audacious, crazy yeah, right, once in a lifetime

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Speaker 1: goal dream Like, I think part of the to be

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Speaker 1: one of the hardest parts is just to say it

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Speaker 1: out loud. So tweet it to us, send it to

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Speaker 1: us on IG, message us in the email, like I

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Speaker 1: would really love and maybe we'll share some of them,

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Speaker 1: because I think there's something powerful in writing the thing

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Speaker 1: and then speaking the thing and someone else is speaking

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Speaker 1: the thing. So let's do that. What's your biggest craziest Like, Yo,

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Speaker 1: if I could do this, this is what it would be.

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Speaker 1: But there's no way, there's no way, but say it

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Speaker 1: and we'll share some of them. How about that?

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Speaker 2: That sounds good. You know you're on the right track

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Speaker 2: if you got sweenty like I did when you started

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Speaker 2: talking about it. Oh, maybe it's the horrimone. I don't know.

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Speaker 1: These are our questions you guys already. No, I don't

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Speaker 1: know the words. So you can keep your messages to

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Speaker 1: yourself every every podcast without fail. Soone said Tippany, we're

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Speaker 1: gonna learn these learn these lyrics. The answer is never,

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Speaker 1: Just like I'm not gonna never gonna remember all the

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Speaker 1: handles or the email. My brain has already said tap tap,

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Speaker 1: I'm out all.

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Speaker 2: Right, I got you there, I got you there. If

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Speaker 2: you guys would like to submit a question to the podcast,

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Speaker 2: you can hit us up at Brand Ambition Podcast on Instagram,

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00:17:59,600 --> 00:18:02,520
Speaker 2: send us the DM, or you can hit us up

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Speaker 2: by email Brand Ambition Podcast at gmail dot com, or

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00:18:05,920 --> 00:18:08,680
Speaker 2: check out our website brandambision podcast dot com and click

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00:18:08,720 --> 00:18:13,760
Speaker 2: ask us anything and ask us anything. All right, I

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Speaker 2: have dug through. We had so many good questions on

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Speaker 2: the Instagram you guys sent in probably I don't know

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Speaker 2: a few dozen questions over the past week. So I'm

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Speaker 2: going to parse through and pick a couple of month favorites.

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Speaker 2: Let's start with one from listener. Do they want to

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Speaker 2: be anonymous? Okay, we'll just say their name is Olivia.

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Speaker 2: So Olivia wants to know how can she build credit

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Speaker 2: in college without taking out a bunch of credit cards.

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Speaker 2: So here's her question. Hey, y'all, I'm a senior on

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Speaker 2: track to graduate from university in December. My problem is

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Speaker 2: that I have a really low credit score, but I

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Speaker 2: don't know how I can raise it. I've tried to

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Speaker 2: apply for numerous credit cards in the past, student credit cards,

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Speaker 2: secured cards, and otherwise, but I've always been denied. I

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Speaker 2: do have some student loan debt about ten thousand dollars,

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Speaker 2: so I'm guessing that that's why my score is so low.

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Speaker 2: I want to attend law school next fall, and I'd

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Speaker 2: really like to get my score up so I can

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Speaker 2: establish credit and raise my score. But how can I

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Speaker 2: do that if I keep getting it denied? For credit cards?

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Speaker 2: Interesting question?

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Speaker 1: So to be clear, is she applying for regular credit

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Speaker 1: card or has she applied for a secured card?

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Speaker 2: She said a secured card and a student credit card,

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Speaker 2: and she's been denied every time. Really, isn't that surprising? Shit?

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Speaker 2: I wonder if she's gone to a credit union, because

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Speaker 2: I mean secured cards, even if your credits low, that's

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Speaker 2: what they're made for. I mean, you you literally put

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Speaker 2: money down on the card and then you pay them

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Speaker 2: off over time. But of course you put down the deposit,

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Speaker 2: so there's very little for the bank to lose. That's

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Speaker 2: why they're such good credit bolder tools.

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Speaker 1: Well, honestly, I would also look into them forget them.

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Speaker 1: I would look into self well all themselves self now

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Speaker 1: not self lender, So I wonder, wait, what's their website? Then?

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Speaker 1: If it's like not self lender, self lender. So the

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Speaker 1: way well, it was called the company formerly known as

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Speaker 1: self lender. I don't know companies be changed up their

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Speaker 1: names these days. Oh it's self think. I guess that's

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Speaker 1: their website now, yeap, that's what it is, self ink

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Speaker 1: dot com, I n C. So what I like about

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Speaker 1: self lender or self is that you do a full borrow.

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Speaker 1: And so the way it works is that you go

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Speaker 1: to self you say yes, I want to I want

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Speaker 1: to borrow money. And the good thing is they don't

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Speaker 1: lend you money based upon your credit score. They lend

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Speaker 1: you money based upon like your oh what is that thing? Uh? Oh, mandy,

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Speaker 1: Like help me with the word that you know. Like,

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Speaker 1: let's just say you don't pay a bank back or

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Speaker 1: you over you after you don't pay the back, and

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Speaker 1: then they tell on you and they put you on

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Speaker 1: checkbooks though quick checks.

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Speaker 2: Oh check systems.

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Speaker 1: Check systems, I said, check books quick you know I

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Speaker 1: am legitimately eighty out there. So self lender looks at

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00:21:01,840 --> 00:21:04,240
Speaker 1: check systems basically as long as you don't have any

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Speaker 1: outstanding like beef with another bank. And so the way

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Speaker 1: it works is the reason why they used to call

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Speaker 1: themselves self lender. Is them, you don't really get the money.

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Speaker 1: I always suggest to people that you borrow the lowest amount,

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Speaker 1: which is I think five hundred dollars, and they say, hey,

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Speaker 1: what's the name we gave.

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Speaker 2: Her, Olivia? Olivia.

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Speaker 1: Hey, Olivia, here's your five hundred dollars. Side, we're actually

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Speaker 1: going to keep it and put it in a money

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Speaker 1: market fund for you. But you're going to pay us

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Speaker 1: back every month for a year until you pay out

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Speaker 1: the five hundred dollars and so and the money that

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00:21:35,280 --> 00:21:37,520
Speaker 1: five hundred dollars, we're going to put it into an account.

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Speaker 1: It's going to earn a little interest, not much, but whatever.

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Speaker 1: And then you're going to pay every month, which is

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Speaker 1: I think it's like forty something dollars a month, don't

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Speaker 1: quote me on that, but whatever it is a month,

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Speaker 1: you'll pay it. And so they will report to the

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00:21:48,800 --> 00:21:54,200
Speaker 1: credit Bureaus Olivia has not only paid a debt monthly

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00:21:54,520 --> 00:21:56,879
Speaker 1: on time, she paid it off in full at the

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00:21:56,960 --> 00:21:58,360
Speaker 1: end of the year. And then you get your five

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Speaker 1: hundred dollars back, because remember you never got the original

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00:22:00,760 --> 00:22:03,680
Speaker 1: five hundred dollars loan. And so that is a great

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00:22:03,680 --> 00:22:06,160
Speaker 1: way if you've been locked out of the credits kind

429
00:22:06,160 --> 00:22:09,440
Speaker 1: of like market. That's why Self came up with that solution.

430
00:22:09,840 --> 00:22:11,679
Speaker 1: But Self is not the only company that does that.

431
00:22:12,080 --> 00:22:13,840
Speaker 1: A lot of credit unions they just call a credit

432
00:22:13,840 --> 00:22:15,840
Speaker 1: builder loan. So you can look at your credit union

433
00:22:15,880 --> 00:22:17,800
Speaker 1: if you have one, if they have a credit builder loan,

434
00:22:17,920 --> 00:22:20,720
Speaker 1: or if they don't. I like Self, I've been suggesting

435
00:22:20,760 --> 00:22:23,000
Speaker 1: them for the last few years and I've never really

436
00:22:23,040 --> 00:22:25,480
Speaker 1: heard any negative feedback about them. I think they're a

437
00:22:25,480 --> 00:22:27,560
Speaker 1: great company, so I would start there.

438
00:22:28,520 --> 00:22:31,920
Speaker 2: Yeah, that's a good idea. Another idea is to become

439
00:22:31,920 --> 00:22:34,639
Speaker 2: an authorized user, Like if you if your parents have

440
00:22:34,720 --> 00:22:36,359
Speaker 2: good credit and they're willing to add you as an

441
00:22:36,400 --> 00:22:38,840
Speaker 2: authorized user on their credit what of their credit cards.

442
00:22:39,840 --> 00:22:42,800
Speaker 2: Make sure that the credit card reports your authorized user

443
00:22:42,840 --> 00:22:45,879
Speaker 2: behavior activity to the credit bureaus. Most of them do,

444
00:22:45,960 --> 00:22:48,040
Speaker 2: but some of them don't, so double check that. And

445
00:22:48,080 --> 00:22:50,960
Speaker 2: that's one way that you can also build credit. Again,

446
00:22:51,160 --> 00:22:54,080
Speaker 2: you want to be sure that you know you're hitching

447
00:22:54,119 --> 00:22:56,479
Speaker 2: your horse to hitching your I don't know, I'm going

448
00:22:56,520 --> 00:23:00,360
Speaker 2: to mess up that analogy anyway. Just name sure it's

449
00:23:00,400 --> 00:23:02,359
Speaker 2: the right move for you first, and that your parents

450
00:23:02,359 --> 00:23:03,720
Speaker 2: and you are in the same page, and that you

451
00:23:03,800 --> 00:23:05,960
Speaker 2: have you know boundaries and ground rules for how you

452
00:23:06,080 --> 00:23:09,920
Speaker 2: use the credit card. And also if you're going to

453
00:23:10,000 --> 00:23:12,440
Speaker 2: be you know, thinking about law school, you know, when

454
00:23:12,440 --> 00:23:14,520
Speaker 2: you graduate in those that ten thousand dollars where the

455
00:23:14,520 --> 00:23:17,920
Speaker 2: student loans come due, as long as you don't miss

456
00:23:17,920 --> 00:23:19,760
Speaker 2: your first payment. You know, it's easy to miss your

457
00:23:19,760 --> 00:23:21,720
Speaker 2: first payment because you think, oh, I've got six months,

458
00:23:21,760 --> 00:23:23,640
Speaker 2: and those six months fly by and you forget about

459
00:23:23,680 --> 00:23:25,919
Speaker 2: that payment hitting your account, and then you end up,

460
00:23:25,960 --> 00:23:28,439
Speaker 2: you know, starting off on the wrong foot. Once you

461
00:23:28,480 --> 00:23:30,720
Speaker 2: start making payments on your student loans, that should also

462
00:23:30,760 --> 00:23:34,320
Speaker 2: improve your credit moving forward, making those payments each month,

463
00:23:34,359 --> 00:23:37,280
Speaker 2: and a credit a student loans a type of installment debt,

464
00:23:37,280 --> 00:23:39,520
Speaker 2: which just means that it's one blump sum and then

465
00:23:39,560 --> 00:23:42,160
Speaker 2: you pay it off and fixed payments each month, kind

466
00:23:42,160 --> 00:23:44,600
Speaker 2: of like a mortgage or an auto loan. And that

467
00:23:44,640 --> 00:23:47,600
Speaker 2: can also improve your mix of credit. If you let's

468
00:23:47,600 --> 00:23:50,080
Speaker 2: say you get a self leunder account or you get

469
00:23:50,080 --> 00:23:52,280
Speaker 2: added as an authorized user on a credit card, and

470
00:23:52,280 --> 00:23:55,679
Speaker 2: you also have a positive installment loan payment history, like

471
00:23:55,720 --> 00:23:59,359
Speaker 2: with your student loan, that will together start building your

472
00:23:59,359 --> 00:24:01,240
Speaker 2: credit slowly over time.

473
00:24:03,000 --> 00:24:05,720
Speaker 1: Yeah, that's really good, because you're right, because installment because

474
00:24:05,720 --> 00:24:08,159
Speaker 1: self lender is going to be an installment loan, so

475
00:24:08,200 --> 00:24:11,160
Speaker 1: eventually what it will help is I just can't believe

476
00:24:11,200 --> 00:24:15,879
Speaker 1: you got denied from Uh, yeah, that doesn't happen very

477
00:24:15,880 --> 00:24:17,639
Speaker 1: I mean, it does happen, it doesn't happen very often.

478
00:24:17,680 --> 00:24:20,080
Speaker 1: So maybe once you get like one of these credit

479
00:24:20,119 --> 00:24:23,320
Speaker 1: builder loans into the mix, you can try again to

480
00:24:23,400 --> 00:24:26,840
Speaker 1: see and usually when you get denied, they're supposed to

481
00:24:26,840 --> 00:24:28,840
Speaker 1: send you something in the mail for why you got denied.

482
00:24:28,880 --> 00:24:32,479
Speaker 1: So I definitely would would request wherever you made the

483
00:24:32,520 --> 00:24:35,760
Speaker 1: request to, I would ask, you know, you know, am

484
00:24:35,800 --> 00:24:37,879
Speaker 1: I going to receive something to share, like why I

485
00:24:38,040 --> 00:24:41,879
Speaker 1: was denied? Like, oh, remember update, remember Mandy when I

486
00:24:41,920 --> 00:24:43,679
Speaker 1: said I tried to get like an increase to my

487
00:24:43,800 --> 00:24:48,160
Speaker 1: credit card and they denied me. So it turned out

488
00:24:48,600 --> 00:24:50,560
Speaker 1: they had recently given me an increase, because they sent

489
00:24:50,600 --> 00:24:52,760
Speaker 1: me a letter in the mail saying, hey, you were

490
00:24:52,800 --> 00:24:56,000
Speaker 1: denied because you recently had an increase. And I was like, oh, whatever,

491
00:24:56,640 --> 00:24:59,800
Speaker 1: I guess okay, yeah, so and I kind of remember that,

492
00:25:00,200 --> 00:25:03,439
Speaker 1: I vaguely remember, Okay, I do remember whatever, so but

493
00:25:03,480 --> 00:25:06,560
Speaker 1: it was good to know. So usually when you're denied credit,

494
00:25:06,760 --> 00:25:09,160
Speaker 1: they'll send you something in the mail to say why

495
00:25:09,359 --> 00:25:11,080
Speaker 1: so that I would be very interested to know.

496
00:25:13,320 --> 00:25:17,760
Speaker 2: Okay, well, thank you Olivia for your question. Let's see,

497
00:25:18,480 --> 00:25:25,040
Speaker 2: let's do another question from Instagram a user whose name

498
00:25:25,080 --> 00:25:27,520
Speaker 2: doesn't make any sense, so I'm going to call her Greta.

499
00:25:28,200 --> 00:25:32,399
Speaker 2: Sorry and ad fancy Greta. All right, she says, hello, ladies,

500
00:25:32,400 --> 00:25:35,159
Speaker 2: thank you for a beautiful podcast filled with precious jewels.

501
00:25:35,280 --> 00:25:38,440
Speaker 2: Uh here's my question. What would be the best way

502
00:25:38,440 --> 00:25:40,960
Speaker 2: to tackle debt? If my husband and I have forty

503
00:25:41,000 --> 00:25:43,960
Speaker 2: thousand dollars worth of debt from credit cards, student loans,

504
00:25:44,000 --> 00:25:47,600
Speaker 2: and personal loans, should we consolidate our debt or try

505
00:25:47,680 --> 00:25:51,240
Speaker 2: using a method like the snowball method for more information.

506
00:25:51,320 --> 00:25:54,760
Speaker 2: We're both students, we have full time jobs and a mortgage,

507
00:25:54,800 --> 00:25:57,720
Speaker 2: but we're struggling to save money while trying to pay

508
00:25:57,760 --> 00:26:03,000
Speaker 2: off debt questions. So, just to recap forty dollars in

509
00:26:03,080 --> 00:26:08,200
Speaker 2: total that consists of credit cards, student loans, and personal loans.

510
00:26:08,359 --> 00:26:13,359
Speaker 2: Interesting mass, and they're wondering how to tackle it. And

511
00:26:13,359 --> 00:26:15,679
Speaker 2: that's collectively, that's collectively together.

512
00:26:15,800 --> 00:26:19,360
Speaker 1: Yep, I'm not gonna lie. That's not that bad. I'm

513
00:26:19,359 --> 00:26:20,520
Speaker 1: not saying that we could say that.

514
00:26:21,119 --> 00:26:23,080
Speaker 2: What I was thinking like y'all can do this. You

515
00:26:23,240 --> 00:26:25,960
Speaker 2: got this, Yes, you got this. We'll take each of

516
00:26:25,960 --> 00:26:28,320
Speaker 2: those three types. We don't know how much it's credit cards,

517
00:26:28,320 --> 00:26:29,919
Speaker 2: how much is student loans, or we don't know what

518
00:26:29,920 --> 00:26:31,720
Speaker 2: the interest rates are, so it's a little bit difficult

519
00:26:31,760 --> 00:26:35,600
Speaker 2: to give specific advice. But where would you where would

520
00:26:35,600 --> 00:26:36,360
Speaker 2: you say start.

521
00:26:36,119 --> 00:26:42,199
Speaker 1: To Well, I would, I personally like the snowball methods.

522
00:26:42,320 --> 00:26:45,520
Speaker 1: I'm a little biased, and the snowball method is just

523
00:26:45,600 --> 00:26:47,200
Speaker 1: kind of when you line up your debt from lowest

524
00:26:47,320 --> 00:26:50,600
Speaker 1: to the highest as far as balances are concerned, and then

525
00:26:50,640 --> 00:26:52,720
Speaker 1: you start to tackle the debt with the lowest balance first.

526
00:26:53,080 --> 00:26:57,000
Speaker 1: So basically the other two debts get their minimum and

527
00:26:57,040 --> 00:27:00,600
Speaker 1: the debt with the lowest balance gets its minimum plus

528
00:27:00,640 --> 00:27:03,360
Speaker 1: whatever extra money you could pull from your from your budget.

529
00:27:03,560 --> 00:27:06,800
Speaker 1: So you should have a budget and say, hey, budget,

530
00:27:07,119 --> 00:27:09,280
Speaker 1: this is how much my life costs. How much is

531
00:27:09,359 --> 00:27:12,160
Speaker 1: left over after I pay my expenses? Oh, there's two

532
00:27:12,200 --> 00:27:14,720
Speaker 1: hundred dollars left over, And then you can might decide

533
00:27:15,200 --> 00:27:17,080
Speaker 1: one hundred dollars is gonna go to saving, because you

534
00:27:17,080 --> 00:27:20,160
Speaker 1: should be saving and paying down debts simultaneously, so maybe

535
00:27:20,400 --> 00:27:23,280
Speaker 1: one hundred dollars goes to savings. And another hundred goes

536
00:27:23,320 --> 00:27:25,600
Speaker 1: to my debt paydown plan. So now you have your

537
00:27:25,640 --> 00:27:28,080
Speaker 1: debt paid down plan money. And if you're gonna do

538
00:27:28,119 --> 00:27:30,960
Speaker 1: the snowball method, it would look like this, Hey, lowest

539
00:27:30,960 --> 00:27:33,800
Speaker 1: balance debt, You're gonna get your minimum plus this one

540
00:27:33,840 --> 00:27:35,520
Speaker 1: hundred dollars, and now I'm gonna pay it, pay pay,

541
00:27:35,560 --> 00:27:37,520
Speaker 1: pay pay and pay pay it. And then when that's

542
00:27:37,520 --> 00:27:40,879
Speaker 1: paid off, I'm gonna roll over the lowest debts minimum

543
00:27:40,920 --> 00:27:44,240
Speaker 1: plus that one hundred dollars to the second lowest debt.

544
00:27:44,400 --> 00:27:46,600
Speaker 1: So the second lowest det is gonna get effectively three

545
00:27:46,600 --> 00:27:50,680
Speaker 1: payments in one. It's minimum the first lowest debts minimum

546
00:27:50,680 --> 00:27:53,000
Speaker 1: plus that hundred dollars, and then you're gonna pay pay

547
00:27:53,040 --> 00:27:54,439
Speaker 1: pay pay pay it pay paid off, and then you're

548
00:27:54,440 --> 00:27:56,440
Speaker 1: gonna roll it off to the third lowest debt. And

549
00:27:56,520 --> 00:27:59,280
Speaker 1: so that's the way the snowball method works. Or you

550
00:27:59,280 --> 00:28:02,439
Speaker 1: can use the add into method, which is when you

551
00:28:02,480 --> 00:28:05,399
Speaker 1: pay off the debt with the highest interest rate off first.

552
00:28:06,040 --> 00:28:09,560
Speaker 1: And so the avalance method makes the most sense as

553
00:28:09,560 --> 00:28:13,639
Speaker 1: far as mathematically, because you're basically paying off the debt

554
00:28:13,800 --> 00:28:16,120
Speaker 1: that has that's costing you the most amount of money

555
00:28:16,119 --> 00:28:18,720
Speaker 1: because the interest rate is the highest, and the snowball

556
00:28:18,760 --> 00:28:22,680
Speaker 1: method makes the most sense emotionally because if you pay

557
00:28:22,680 --> 00:28:24,880
Speaker 1: off the debt with the lowest balance first, you kind

558
00:28:24,880 --> 00:28:28,640
Speaker 1: of get a faster return emotional return on your investment,

559
00:28:28,920 --> 00:28:30,919
Speaker 1: because it might take you ten years to pay off

560
00:28:30,960 --> 00:28:33,240
Speaker 1: the debt with the highest interest rate, and so you

561
00:28:33,320 --> 00:28:34,840
Speaker 1: might not feel as good about it. So I like

562
00:28:34,880 --> 00:28:37,480
Speaker 1: the snowball method, although the obviously that oline method is

563
00:28:37,760 --> 00:28:41,720
Speaker 1: amazing if you can stick with it. So yeah, I

564
00:28:41,800 --> 00:28:44,000
Speaker 1: think that I think that that's what I would do.

565
00:28:44,040 --> 00:28:46,720
Speaker 1: I would line it up like that, Honestly, I.

566
00:28:46,640 --> 00:28:48,840
Speaker 2: Would look at the I feel like I have a feeling.

567
00:28:48,840 --> 00:28:50,280
Speaker 2: Out of all three of those types of debt that

568
00:28:50,280 --> 00:28:52,880
Speaker 2: you have, the credit cards probably have the highest interest rates.

569
00:28:52,920 --> 00:28:55,800
Speaker 2: So I'm a fan, I mean, And that's kind of

570
00:28:55,840 --> 00:28:58,200
Speaker 2: looking at things with the avalanche method in mind versus

571
00:28:58,200 --> 00:29:00,720
Speaker 2: a snowball. But if you wanted to quick, you know,

572
00:29:00,840 --> 00:29:03,040
Speaker 2: especially if you're kind of struggling, and let's say he's

573
00:29:03,040 --> 00:29:04,880
Speaker 2: got some credit cards, You've got some credit cards, and

574
00:29:04,920 --> 00:29:06,880
Speaker 2: you want a simple way to just keep track of

575
00:29:06,880 --> 00:29:09,880
Speaker 2: everything in one place, you could look into consolidating those

576
00:29:09,880 --> 00:29:12,920
Speaker 2: credit cards with a personal loan, for example, from a

577
00:29:13,000 --> 00:29:16,040
Speaker 2: credit union. If it means that you could secure a

578
00:29:16,120 --> 00:29:18,520
Speaker 2: lower interest rate than what you're currently paying on those

579
00:29:18,520 --> 00:29:20,960
Speaker 2: credit cards, because we know how difficult it can be

580
00:29:21,040 --> 00:29:22,680
Speaker 2: to pay down credit card debt, and when it's got

581
00:29:22,720 --> 00:29:24,920
Speaker 2: you know, what is the average APR in credit cards,

582
00:29:24,960 --> 00:29:28,000
Speaker 2: and thing like seventeen percent that's with like perfect credit today.

583
00:29:28,920 --> 00:29:33,000
Speaker 1: So yeah, I could look at I know it's this crazy.

584
00:29:33,760 --> 00:29:36,360
Speaker 2: You could look at consolidating those credit cards just so

585
00:29:36,440 --> 00:29:38,840
Speaker 2: you have one fixed monthly payment, which is what you

586
00:29:38,880 --> 00:29:40,840
Speaker 2: get with a personal loan, and then you can both

587
00:29:40,880 --> 00:29:44,479
Speaker 2: tackle that payment together. And of course when you're applying

588
00:29:44,480 --> 00:29:46,240
Speaker 2: for a personal loan, they're going to take into account

589
00:29:46,280 --> 00:29:48,360
Speaker 2: how much you can afford to pay, so your monthly

590
00:29:48,400 --> 00:29:50,920
Speaker 2: payment shouldn't be more shouldn't end up being more than

591
00:29:50,920 --> 00:29:54,040
Speaker 2: what you guys can comfortably afford with your student loans.

592
00:29:54,400 --> 00:29:57,200
Speaker 2: If you're both still still in school, then maybe they

593
00:29:57,200 --> 00:29:59,760
Speaker 2: aren't quite due yet, so they're not an immediate concern,

594
00:30:00,120 --> 00:30:02,880
Speaker 2: but you definitely want to. I would focus on getting

595
00:30:02,960 --> 00:30:05,160
Speaker 2: rid of that other types of debt, the credit card,

596
00:30:05,160 --> 00:30:07,920
Speaker 2: the personal loans before you guys graduate, so that when

597
00:30:07,920 --> 00:30:10,400
Speaker 2: you graduate, you can just throw everything you got at

598
00:30:10,400 --> 00:30:13,840
Speaker 2: those student loans. If the student loans are an issue now.

599
00:30:14,480 --> 00:30:16,320
Speaker 2: You know, if they're federal, there's things you can do,

600
00:30:16,400 --> 00:30:19,600
Speaker 2: income based repayment, for bearers, deferment while you focus on

601
00:30:19,640 --> 00:30:22,520
Speaker 2: your higher interest debt like credit cards or personal loans

602
00:30:22,520 --> 00:30:25,280
Speaker 2: to buy yourself some time. But eventually you got to

603
00:30:25,280 --> 00:30:29,080
Speaker 2: tackle them right and even if you defer them, interest

604
00:30:29,160 --> 00:30:31,280
Speaker 2: is going to still be accruing, So you want to

605
00:30:31,400 --> 00:30:33,560
Speaker 2: aggressively as fast as you can get rid of the

606
00:30:33,640 --> 00:30:36,600
Speaker 2: other debt and then hop on those student loans. If

607
00:30:36,640 --> 00:30:40,640
Speaker 2: they're private, you can look into well, if you've got them,

608
00:30:40,680 --> 00:30:42,800
Speaker 2: you know, pretty high interest rate in your student loans

609
00:30:42,840 --> 00:30:46,400
Speaker 2: and you think you're interested in looking at refinancing. That's

610
00:30:46,440 --> 00:30:49,240
Speaker 2: also an option. If you guys have strong credit scores.

611
00:30:49,240 --> 00:30:52,000
Speaker 2: There's lots of companies out there that will refinance your

612
00:30:52,000 --> 00:30:54,200
Speaker 2: student loan debt today, which will help you secure a

613
00:30:54,200 --> 00:30:57,120
Speaker 2: lower interest rate and maybe reduce your payments and help

614
00:30:57,160 --> 00:30:59,680
Speaker 2: you pay it off faster. But just keep in mind,

615
00:31:00,280 --> 00:31:03,560
Speaker 2: if you have federal student loans and you're refinancing them,

616
00:31:03,560 --> 00:31:06,800
Speaker 2: you're essentially turning them into a private loan, which means

617
00:31:07,240 --> 00:31:10,680
Speaker 2: those flexible options I mentioned earlier, like income based repayment

618
00:31:10,800 --> 00:31:15,040
Speaker 2: or forbearance are probably no longer available to you, so

619
00:31:15,080 --> 00:31:17,120
Speaker 2: it has to be worth that trade off for you

620
00:31:17,240 --> 00:31:20,440
Speaker 2: to refinance them and turn them into private loans.

621
00:31:20,840 --> 00:31:23,120
Speaker 1: Yeah, and to me, it rarely is worth it, so

622
00:31:24,080 --> 00:31:25,960
Speaker 1: you know. So, I mean there's companies like so far

623
00:31:26,200 --> 00:31:30,080
Speaker 1: that I that are great companies for refinancing for private loans,

624
00:31:30,080 --> 00:31:32,200
Speaker 1: but I always tell people, if you can keep them federal,

625
00:31:32,320 --> 00:31:34,760
Speaker 1: it typically is worth it, just because if you ever

626
00:31:34,920 --> 00:31:39,280
Speaker 1: fall on hard times, private loans don't care, but loans,

627
00:31:39,880 --> 00:31:43,320
Speaker 1: but federal loans, there are things in place that you

628
00:31:43,360 --> 00:31:45,160
Speaker 1: know that you can use to protect yourself if you

629
00:31:45,200 --> 00:31:47,560
Speaker 1: fall on hard times, and it's much easier to default

630
00:31:47,840 --> 00:31:50,760
Speaker 1: on a private loan, like a veteral loan is harder

631
00:31:50,800 --> 00:31:54,640
Speaker 1: to default. And so yeah, so I mean it's except

632
00:31:54,640 --> 00:31:57,120
Speaker 1: for like maybe rare instances, it's almost always best to

633
00:31:57,120 --> 00:31:58,160
Speaker 1: stay federal if you can.

634
00:31:59,480 --> 00:32:02,680
Speaker 2: That's true. But like we both said, forty k between

635
00:32:02,680 --> 00:32:04,360
Speaker 2: the two of you, guys, if you've got you know,

636
00:32:04,560 --> 00:32:07,640
Speaker 2: you're working. You said, you have full time jobs, you're

637
00:32:07,640 --> 00:32:09,239
Speaker 2: wanting to pay it off. You just need a good

638
00:32:09,280 --> 00:32:11,320
Speaker 2: strategy that works for both of you. So if it

639
00:32:11,360 --> 00:32:13,800
Speaker 2: sounds like you need what Tiffany said, the snowball method,

640
00:32:14,200 --> 00:32:17,360
Speaker 2: which snowball method is excellent. I mean a study actually

641
00:32:17,400 --> 00:32:21,200
Speaker 2: showed that people were more likely to keep up their

642
00:32:21,240 --> 00:32:24,640
Speaker 2: good debt payoff habits with the snowball method, even though

643
00:32:24,720 --> 00:32:29,640
Speaker 2: technically it's not the most mathematically logical method between avalanche,

644
00:32:29,680 --> 00:32:32,640
Speaker 2: because with avalanche, you're paying off the highest cost debt first,

645
00:32:32,640 --> 00:32:35,280
Speaker 2: so you save money over time. But the snowball method

646
00:32:35,320 --> 00:32:37,920
Speaker 2: with people would stick with it longer because it builds

647
00:32:37,920 --> 00:32:40,600
Speaker 2: that momentum. It's so exciting when you pay off that

648
00:32:40,600 --> 00:32:43,000
Speaker 2: twenty five dollars ballance, in the one hundred dollars ballance,

649
00:32:43,040 --> 00:32:45,440
Speaker 2: in the two hundred dollars balance, and you start you

650
00:32:45,480 --> 00:32:49,360
Speaker 2: start embedding those habits that bring you success later with

651
00:32:49,400 --> 00:32:52,280
Speaker 2: those early wins and building momentum. And that's why people

652
00:32:52,320 --> 00:32:54,760
Speaker 2: are so obsessed. And the snowball method continues to be,

653
00:32:55,280 --> 00:32:58,320
Speaker 2: you know, one of the most popular debt payoff methods

654
00:32:58,320 --> 00:32:58,720
Speaker 2: out there.

655
00:33:16,400 --> 00:33:21,040
Speaker 1: Well, now it's time to boost their break with the

656
00:33:21,120 --> 00:33:28,400
Speaker 1: Brown Ambish family. Will you boost? Will you break? What

657
00:33:28,480 --> 00:33:34,360
Speaker 1: will you do? Many? I wish you could see me

658
00:33:34,400 --> 00:33:36,840
Speaker 1: like you. Literally, I have my arms out and I'm

659
00:33:36,960 --> 00:33:41,120
Speaker 1: like just I'm feeling it. I'm bibing. I'm good. I

660
00:33:41,160 --> 00:33:43,400
Speaker 1: love how the song always makes me go first. It's fine,

661
00:33:45,920 --> 00:33:47,760
Speaker 1: although Tiffany would also rhyme.

662
00:33:49,440 --> 00:33:52,000
Speaker 2: May yeah, you know what, I never.

663
00:33:53,760 --> 00:33:55,000
Speaker 1: Realized that it does make you go.

664
00:33:56,480 --> 00:33:59,040
Speaker 2: I'm ready. I'm always ready, though, always ready.

665
00:33:59,080 --> 00:34:00,320
Speaker 1: And I'm ready. I'm ready, I'm Do you want me

666
00:34:00,320 --> 00:34:00,720
Speaker 1: to go first?

667
00:34:00,760 --> 00:34:02,680
Speaker 2: I can go for no, no, no, I got it.

668
00:34:02,800 --> 00:34:05,040
Speaker 2: I just I'm struggling because I don't know whether it's

669
00:34:05,040 --> 00:34:07,240
Speaker 2: a boost or a break. You guys can help me decide.

670
00:34:07,600 --> 00:34:11,720
Speaker 2: But I read this article about if do you use Reddit,

671
00:34:11,719 --> 00:34:12,840
Speaker 2: Tiffany or your redditor?

672
00:34:13,400 --> 00:34:15,360
Speaker 1: No, not much. I mean I've heard of it.

673
00:34:15,320 --> 00:34:18,759
Speaker 2: But my husband's a huge redditor. He gets tons of

674
00:34:18,760 --> 00:34:21,520
Speaker 2: advice on Like there's a subreddit. So it's basically like

675
00:34:22,120 --> 00:34:24,920
Speaker 2: if you have a passion or a hobby or interest,

676
00:34:25,000 --> 00:34:27,400
Speaker 2: there is a Reddit group for you. There's a personal

677
00:34:27,480 --> 00:34:30,640
Speaker 2: finance reddit, there's you know, all just just dozens hundreds

678
00:34:30,640 --> 00:34:33,680
Speaker 2: probably of different forms where you can ask questions and

679
00:34:33,719 --> 00:34:37,720
Speaker 2: you get comments. People can vote up or down your comment,

680
00:34:37,880 --> 00:34:40,280
Speaker 2: and it's kind of like you collect clout on Reddit

681
00:34:40,320 --> 00:34:43,319
Speaker 2: that way. But it's this whole just people, It's just

682
00:34:43,480 --> 00:34:45,640
Speaker 2: it's this whole movement and my husband loves it for

683
00:34:45,680 --> 00:34:49,080
Speaker 2: home improvement questions and all kinds of stuff. But there's

684
00:34:49,320 --> 00:34:53,280
Speaker 2: there's this there's this general kind of of course trend

685
00:34:53,320 --> 00:34:56,279
Speaker 2: with Reddit where most of the users, they don't do

686
00:34:56,400 --> 00:34:58,640
Speaker 2: like a census of their user base, but most of

687
00:34:58,680 --> 00:35:02,640
Speaker 2: the users it does feel very white, very male on Reddit.

688
00:35:03,080 --> 00:35:05,600
Speaker 2: But there are subreddits that target or not target, but

689
00:35:05,600 --> 00:35:07,960
Speaker 2: are meant to be like groups where people of color

690
00:35:08,040 --> 00:35:10,279
Speaker 2: can talk about whatever they're interested in. So there's one

691
00:35:10,280 --> 00:35:15,279
Speaker 2: group called Black People Twitter and it's basically meant to

692
00:35:15,320 --> 00:35:17,319
Speaker 2: be a safe space for black Reddit users to talk

693
00:35:17,360 --> 00:35:20,280
Speaker 2: about whatever's happening in the news. Whatever people are ranting

694
00:35:20,280 --> 00:35:22,359
Speaker 2: about on Twitter, but you know, what's happening in the news,

695
00:35:22,400 --> 00:35:26,440
Speaker 2: the biggest trends, whatever. But the moderators of this forum

696
00:35:26,640 --> 00:35:29,719
Speaker 2: have realized that a lot of white people apparently, and

697
00:35:29,800 --> 00:35:32,080
Speaker 2: it's hard for them to tell, but they suspected that

698
00:35:32,120 --> 00:35:35,080
Speaker 2: a lot of white users were posing as black users

699
00:35:35,360 --> 00:35:39,400
Speaker 2: and commenting on various topics on the black Twitter on

700
00:35:39,480 --> 00:35:42,000
Speaker 2: the black Twitter People subreddit forum. So imagine if this

701
00:35:42,080 --> 00:35:44,880
Speaker 2: was like a Facebook group for people of color and

702
00:35:44,960 --> 00:35:48,600
Speaker 2: you had white people contributing commentary. Okay, not really the

703
00:35:48,640 --> 00:35:51,359
Speaker 2: intention of the group. So these moderators, you know, it's

704
00:35:51,360 --> 00:35:55,239
Speaker 2: an anonymous forum, people don't put their faces as their profiles.

705
00:35:55,239 --> 00:35:57,440
Speaker 2: It's not like Facebook. You're meant to be anonymous. That's

706
00:35:57,880 --> 00:36:00,440
Speaker 2: that's part of the appeal of Reddit. So what they

707
00:36:00,480 --> 00:36:03,480
Speaker 2: decided to do is ask their users to submit a

708
00:36:03,520 --> 00:36:07,760
Speaker 2: photo of their forearm with their Reddit with their Reddit

709
00:36:07,880 --> 00:36:12,240
Speaker 2: name written on their forearm, with a timestamp to verify

710
00:36:12,239 --> 00:36:15,680
Speaker 2: that it was taken recently. To verify their blackness.

711
00:36:16,000 --> 00:36:18,480
Speaker 1: Oh my god, not everybody even that's not even how

712
00:36:18,480 --> 00:36:21,840
Speaker 1: we like. I know plenty of light skin black folks

713
00:36:21,840 --> 00:36:24,560
Speaker 1: that you would not know that black is not just color.

714
00:36:25,000 --> 00:36:27,319
Speaker 2: Right, So it's such a But on the other hand,

715
00:36:27,360 --> 00:36:29,640
Speaker 2: it's like I was reading it, and that's why I

716
00:36:29,680 --> 00:36:31,919
Speaker 2: feel conflicted, Like I think the way they went about

717
00:36:31,920 --> 00:36:34,440
Speaker 2: it is problematic for the reason you just mentioned. I mean,

718
00:36:34,520 --> 00:36:37,000
Speaker 2: I'm mixed, right, So if my forearm is I don't know,

719
00:36:37,000 --> 00:36:40,239
Speaker 2: I'm pretty pale, it's like my summer tan is gone.

720
00:36:40,239 --> 00:36:43,480
Speaker 2: I've already part where they catch you, right, I've already

721
00:36:43,480 --> 00:36:45,360
Speaker 2: had to change my foundation by two shades. I had

722
00:36:45,400 --> 00:36:48,720
Speaker 2: my winter foundation my summer foundation. So what was happening

723
00:36:48,760 --> 00:36:50,360
Speaker 2: is some of the users were like, well, screw it,

724
00:36:50,400 --> 00:36:51,920
Speaker 2: I don't want to be anonymous. I'm going to take

725
00:36:51,960 --> 00:36:53,680
Speaker 2: a picture with all my family so you can see

726
00:36:53,719 --> 00:36:55,919
Speaker 2: I have a black dad or a black cousin, dark

727
00:36:55,920 --> 00:36:58,880
Speaker 2: skinned cousin, dark skinned dad, whatever, And even though I'm

728
00:36:58,920 --> 00:37:01,120
Speaker 2: light skin, here's my family. And it's like, it's just

729
00:37:01,280 --> 00:37:04,880
Speaker 2: it's created this. It's I think they meant well, but

730
00:37:04,920 --> 00:37:08,200
Speaker 2: the way they executed it is super problematic. On the

731
00:37:08,239 --> 00:37:11,279
Speaker 2: other hand, I see the challenge like and and you know,

732
00:37:11,280 --> 00:37:13,279
Speaker 2: knowing Reddit and knowing what the Reddit world is, like,

733
00:37:13,480 --> 00:37:15,200
Speaker 2: I feel like there's there needs to be a safe

734
00:37:15,200 --> 00:37:18,319
Speaker 2: space for black Reddit users to talk about what they

735
00:37:18,320 --> 00:37:20,160
Speaker 2: want to talk about and to comment and this, you know,

736
00:37:20,200 --> 00:37:23,560
Speaker 2: but to feel like people are posing as black people

737
00:37:23,640 --> 00:37:28,839
Speaker 2: and contributing, and they're contributing comments that are proliferating stereotypes,

738
00:37:29,400 --> 00:37:31,600
Speaker 2: you know, saying things like well do we really need

739
00:37:31,640 --> 00:37:35,120
Speaker 2: affirmative action like things like that, you know, come on controls,

740
00:37:35,160 --> 00:37:37,520
Speaker 2: you know. But it's just like it's the challenge with

741
00:37:37,600 --> 00:37:41,120
Speaker 2: Reddit because they let they let excuse me, they let

742
00:37:41,200 --> 00:37:44,560
Speaker 2: users of these forums moderate them, and there's not really

743
00:37:44,640 --> 00:37:49,120
Speaker 2: a system to to to control who can join. It's

744
00:37:49,120 --> 00:37:51,279
Speaker 2: meant to be so open when you're trying to have

745
00:37:51,320 --> 00:37:54,759
Speaker 2: a private discussion what can you do? So I just

746
00:37:54,760 --> 00:37:56,640
Speaker 2: thought it was a very interesting story. I don't really

747
00:37:56,680 --> 00:37:59,279
Speaker 2: know how to feel about it, but that's what I

748
00:37:59,280 --> 00:37:59,839
Speaker 2: wanted to share.

749
00:38:00,560 --> 00:38:05,239
Speaker 1: Wow, yeah, I that's it is hard because how one

750
00:38:06,320 --> 00:38:08,600
Speaker 1: it's it's almost like this one drop buol, like what

751
00:38:08,640 --> 00:38:10,319
Speaker 1: does black even mean? Now? We have to you have

752
00:38:10,360 --> 00:38:12,719
Speaker 1: to figure that out. Yeah.

753
00:38:12,840 --> 00:38:15,000
Speaker 2: One of one of the leaders or one of the

754
00:38:15,080 --> 00:38:17,080
Speaker 2: users was like, well, I took a DNA test and

755
00:38:17,120 --> 00:38:20,240
Speaker 2: I'm my my mom is zero point five percent Ghanian.

756
00:38:20,360 --> 00:38:24,239
Speaker 2: So does that mean I can join? Like every white

757
00:38:24,239 --> 00:38:25,680
Speaker 2: person has a little bit of black in them and

758
00:38:26,120 --> 00:38:28,279
Speaker 2: persactly you know what I mean. So that's what they're saying.

759
00:38:28,480 --> 00:38:30,359
Speaker 2: So you're right, it is it's what is that? What

760
00:38:30,480 --> 00:38:31,120
Speaker 2: is that line?

761
00:38:31,440 --> 00:38:33,160
Speaker 1: So we had that problem a little bit with a

762
00:38:33,280 --> 00:38:36,880
Speaker 1: DreamCatcher group on Facebook because dream Catchers are largely African

763
00:38:36,880 --> 00:38:39,960
Speaker 1: American women and we don't but we don't turn anyone away,

764
00:38:40,480 --> 00:38:43,680
Speaker 1: so we you know, we we started to get like

765
00:38:43,719 --> 00:38:45,719
Speaker 1: white women come in and for honestly, for the most part,

766
00:38:45,800 --> 00:38:48,400
Speaker 1: no problem. They were respectful, and you know, sometimes they

767
00:38:48,440 --> 00:38:51,400
Speaker 1: were come in and realize like, oh okay, there's a

768
00:38:51,440 --> 00:38:53,719
Speaker 1: lot of black women in here. Am I allowed? And

769
00:38:53,719 --> 00:38:55,160
Speaker 1: I'm like, yeah, as long as you don't act up

770
00:38:55,200 --> 00:39:01,759
Speaker 1: a child, you could stay, and so and so. But

771
00:39:02,000 --> 00:39:06,120
Speaker 1: then we started getting started to get white men and

772
00:39:06,200 --> 00:39:09,640
Speaker 1: so so we were getting First it started with black men,

773
00:39:10,520 --> 00:39:12,000
Speaker 1: and you know, it was okay because you know, men

774
00:39:12,000 --> 00:39:13,239
Speaker 1: could be a lot, so you're like, all right, don't

775
00:39:13,239 --> 00:39:15,040
Speaker 1: act to up, you can stay. And then we start

776
00:39:15,080 --> 00:39:17,799
Speaker 1: to get white women, and honestly, like, we have less

777
00:39:17,800 --> 00:39:19,440
Speaker 1: trouble with white women that we have with black men.

778
00:39:20,360 --> 00:39:23,319
Speaker 1: So and then white men came. And when I tell

779
00:39:23,360 --> 00:39:25,760
Speaker 1: you the trouble if I see what more Trump posted,

780
00:39:25,920 --> 00:39:28,160
Speaker 1: we had to make a role, which sounds so crazy,

781
00:39:28,200 --> 00:39:32,919
Speaker 1: no white men because they were coming and stirring the pot,

782
00:39:33,160 --> 00:39:36,719
Speaker 1: saying outrageous and egregious things, and no other no one

783
00:39:36,719 --> 00:39:39,719
Speaker 1: else was doing that. Like, yes, you definitely would get

784
00:39:39,760 --> 00:39:42,239
Speaker 1: like some folks, like you know, I would say, as

785
00:39:42,239 --> 00:39:44,640
Speaker 1: far as a large majority, So of course you get

786
00:39:44,680 --> 00:39:47,040
Speaker 1: people who sometimes can be mean or nasty or whatever.

787
00:39:47,400 --> 00:39:49,600
Speaker 1: But when I tell you, we would add a white

788
00:39:49,600 --> 00:39:54,080
Speaker 1: man unfortunately, and and it was like without fail, it

789
00:39:54,120 --> 00:39:55,960
Speaker 1: would take off. Well, maybe if you get off welfare,

790
00:39:56,000 --> 00:39:58,600
Speaker 1: you're like, why are you here? You know, like not

791
00:39:59,160 --> 00:40:01,680
Speaker 1: white men in general, but just like you in particular, sir,

792
00:40:01,719 --> 00:40:04,719
Speaker 1: why are you here if you're gonna spew nastiness? You know,

793
00:40:05,200 --> 00:40:08,279
Speaker 1: this is not a You're not required to be a

794
00:40:08,360 --> 00:40:10,520
Speaker 1: dream catcher. And so we had to make a rule

795
00:40:10,560 --> 00:40:13,279
Speaker 1: because it started to feel unsafe, and I was trying

796
00:40:13,280 --> 00:40:14,919
Speaker 1: to be fair, and I was trying to be like, well,

797
00:40:15,440 --> 00:40:17,440
Speaker 1: you know, we don't turn anyone away. Well, no, we

798
00:40:17,719 --> 00:40:21,640
Speaker 1: turn away, we turn away. It sounds so terrible, and

799
00:40:21,680 --> 00:40:24,960
Speaker 1: I don't care because I started dream Catchers in the

800
00:40:25,000 --> 00:40:28,960
Speaker 1: budget needs to create a safe space for women, especially

801
00:40:29,080 --> 00:40:34,000
Speaker 1: women of color. And you are welcome to come unless

802
00:40:34,040 --> 00:40:36,879
Speaker 1: you bring the bullshit, then you are not welcome to come.

803
00:40:37,120 --> 00:40:38,920
Speaker 1: And so that is like one group that we don't

804
00:40:38,960 --> 00:40:40,719
Speaker 1: allow them in the dream Catcher for anymore, because it

805
00:40:40,719 --> 00:40:42,640
Speaker 1: was too hard to keep up with the handful that

806
00:40:42,680 --> 00:40:44,440
Speaker 1: maybe weren't causing trouble. And I'm like, you know what,

807
00:40:45,239 --> 00:40:47,840
Speaker 1: every space in the world is safe for you, every space.

808
00:40:47,920 --> 00:40:50,360
Speaker 1: It's your space. This is one of the few spaces

809
00:40:50,480 --> 00:40:53,360
Speaker 1: that we get to have. And everyone else respects this space.

810
00:40:53,480 --> 00:40:55,960
Speaker 1: The black men respect the pace, space, white women respect

811
00:40:56,000 --> 00:40:59,000
Speaker 1: the space. Everybody else was respecting the space, but except

812
00:40:59,040 --> 00:41:01,560
Speaker 1: for that subgroup. So yeah, so we made we had

813
00:41:01,600 --> 00:41:03,640
Speaker 1: to make that defitit of ruin. I'm sure that's going

814
00:41:03,680 --> 00:41:05,480
Speaker 1: to come back to bite me in the butt. Okay,

815
00:41:05,800 --> 00:41:09,359
Speaker 1: be mad, Todd. I don't care because it's hard enough

816
00:41:09,400 --> 00:41:12,200
Speaker 1: out here to like post you know that you're struggling

817
00:41:12,200 --> 00:41:14,400
Speaker 1: financially and you're trying to figure out, like what to

818
00:41:14,400 --> 00:41:17,319
Speaker 1: do with your kids without someone coming along saying maybe

819
00:41:17,320 --> 00:41:19,279
Speaker 1: you stop having so many kids. You're like, are you

820
00:41:19,360 --> 00:41:21,600
Speaker 1: kidding me? Yeah, that's the exactly what was.

821
00:41:21,560 --> 00:41:23,480
Speaker 2: Going on in this in this reddit. So that's a

822
00:41:23,520 --> 00:41:25,960
Speaker 2: perfect example. So you're dealing with it too. But at

823
00:41:26,040 --> 00:41:29,560
Speaker 2: least you can see the faces you know, generally with

824
00:41:29,680 --> 00:41:32,319
Speaker 2: your users. With Reddit, it's just so difficult because the

825
00:41:32,320 --> 00:41:34,319
Speaker 2: whole point of it is that people don't share their

826
00:41:34,560 --> 00:41:38,879
Speaker 2: their identities. They're anonymous, they have weird names and weird photos.

827
00:41:40,480 --> 00:41:43,400
Speaker 2: But and I'm glad it's it's a really interesting conversation

828
00:41:43,480 --> 00:41:45,319
Speaker 2: to have. And you're right, it's so hard to say

829
00:41:45,360 --> 00:41:47,160
Speaker 2: it in the right way, but you just have to

830
00:41:47,200 --> 00:41:49,720
Speaker 2: say it. The space is really not meant for certain people.

831
00:41:49,760 --> 00:41:52,520
Speaker 2: It's meant to be a safe space for a marginalized group,

832
00:41:53,719 --> 00:41:56,399
Speaker 2: and it's and and when so of course your first

833
00:41:56,440 --> 00:41:59,040
Speaker 2: loyalty is to your audience, the people you made the

834
00:41:59,080 --> 00:42:01,000
Speaker 2: group for, and you need to make you need to

835
00:42:01,000 --> 00:42:03,160
Speaker 2: continue to make it a safe space for them and

836
00:42:03,880 --> 00:42:06,880
Speaker 2: buy And we can call it discriminating or whatever or

837
00:42:06,960 --> 00:42:09,920
Speaker 2: keeping out certain people, You're doing it with the right intention.

838
00:42:10,200 --> 00:42:13,399
Speaker 2: It's not to it's not to deny people their right

839
00:42:13,440 --> 00:42:15,680
Speaker 2: to for free speech. It is to make it a

840
00:42:15,719 --> 00:42:17,640
Speaker 2: safe space and the people that you intended the group

841
00:42:17,680 --> 00:42:20,200
Speaker 2: for in the first place. And I think that's what

842
00:42:20,239 --> 00:42:24,759
Speaker 2: these people are doing as well. But it's just super problematic. Yeah,

843
00:42:24,800 --> 00:42:26,080
Speaker 2: it's hard taking it.

844
00:42:26,120 --> 00:42:28,480
Speaker 1: And it's hard because even saying it, I'm like, oh,

845
00:42:28,560 --> 00:42:31,200
Speaker 1: because somebody can make the argument for keeping black folks out, well,

846
00:42:31,239 --> 00:42:33,520
Speaker 1: this is a safe space for us, you know, And

847
00:42:33,600 --> 00:42:36,680
Speaker 1: so yeah, so I mean, so I'm dynomians who I

848
00:42:36,719 --> 00:42:38,880
Speaker 1: think I had the perfect solution, but I do know

849
00:42:38,960 --> 00:42:40,719
Speaker 1: so many women came to me and like message me,

850
00:42:40,760 --> 00:42:43,359
Speaker 1: They're like, honestly, I don't feel safe here. I don't

851
00:42:43,360 --> 00:42:45,719
Speaker 1: feel like I can share like I used to. And

852
00:42:45,760 --> 00:42:48,120
Speaker 1: I was like, that's not We're not doing that, and

853
00:42:48,200 --> 00:42:49,600
Speaker 1: so like I just you know, I was like, we're

854
00:42:49,600 --> 00:42:53,040
Speaker 1: gonna make an execute decision whatever, and make that choice

855
00:42:53,080 --> 00:42:55,120
Speaker 1: and honestly, it's been so much better as a result,

856
00:42:56,239 --> 00:42:58,880
Speaker 1: because for the most part, everyone else polices themselves. Like

857
00:42:58,920 --> 00:43:00,440
Speaker 1: I said, we have a few playerups here and there,

858
00:43:00,480 --> 00:43:02,360
Speaker 1: but for the most part, everyone is kind to everyone

859
00:43:02,360 --> 00:43:07,360
Speaker 1: in there. And yeah, so my well, my boost was

860
00:43:07,360 --> 00:43:11,040
Speaker 1: gonna be Tyler Perry, but instead I'm going to boost

861
00:43:11,040 --> 00:43:13,840
Speaker 1: my new obsession. Have you ever heard of the Terrell

862
00:43:13,960 --> 00:43:14,960
Speaker 1: Show on YouTube?

863
00:43:15,040 --> 00:43:18,400
Speaker 2: Manadra, no, I have doc Are you gonna educate me?

864
00:43:19,280 --> 00:43:22,839
Speaker 1: I am so. Torell is a young African American man

865
00:43:23,560 --> 00:43:26,719
Speaker 1: who does this show where it's oh, what do they

866
00:43:26,719 --> 00:43:29,479
Speaker 1: call it? I guess it's like a song association where

867
00:43:29,560 --> 00:43:32,760
Speaker 1: he sits behind this like really bright, beautiful blue screen

868
00:43:33,280 --> 00:43:36,120
Speaker 1: and he loves music and so he gets like these

869
00:43:36,239 --> 00:43:38,359
Speaker 1: music artists that some of you know, some of them

870
00:43:38,360 --> 00:43:40,480
Speaker 1: you don't know as well. He has broken kind of

871
00:43:40,480 --> 00:43:42,759
Speaker 1: like a lot of new artists too, where he'll say

872
00:43:42,760 --> 00:43:45,120
Speaker 1: a word and then they have to sing sing a

873
00:43:45,160 --> 00:43:47,400
Speaker 1: song that has a word in the title or in

874
00:43:47,440 --> 00:43:51,520
Speaker 1: the song itself. And honestly, it is delightful. It is funny.

875
00:43:51,680 --> 00:43:54,680
Speaker 1: I mean, there are some people who just can sing

876
00:43:54,840 --> 00:43:57,799
Speaker 1: down They're like wow. I mean there are people now

877
00:43:57,800 --> 00:44:00,360
Speaker 1: who am following on Spotify as a result. And so

878
00:44:00,400 --> 00:44:02,520
Speaker 1: if you need a little joy in your life, you

879
00:44:02,560 --> 00:44:04,920
Speaker 1: know Terrell. It's literally just t E R R e

880
00:44:05,040 --> 00:44:09,320
Speaker 1: LLL on on YouTube. And there's a there's a gentleman

881
00:44:09,400 --> 00:44:13,279
Speaker 1: named Sammot or Samo that now I'm like in love

882
00:44:13,320 --> 00:44:15,399
Speaker 1: with his voice because I saw him on The Terrell Show.

883
00:44:15,760 --> 00:44:18,520
Speaker 1: Cynthia or Rebo, my girl who plays Harriet in the

884
00:44:18,560 --> 00:44:21,839
Speaker 1: new Harriet movie, was just recently a guest on the show. So,

885
00:44:21,920 --> 00:44:23,600
Speaker 1: like I said, he's had, like, you know, some well

886
00:44:23,600 --> 00:44:26,160
Speaker 1: known folks, and he's had some folks that you might know,

887
00:44:26,200 --> 00:44:29,959
Speaker 1: like Amber Riley from Gale. Oh my goodness, her voice

888
00:44:30,000 --> 00:44:32,560
Speaker 1: is the voice of an angel, and so just happy times.

889
00:44:32,800 --> 00:44:35,600
Speaker 1: So yeah, I think that people would enjoy enjoy his show.

890
00:44:36,200 --> 00:44:38,799
Speaker 1: You know, they're typically about twenty twenty to thirty minutes long,

891
00:44:38,840 --> 00:44:42,160
Speaker 1: the videos, but you just really get to hear people's voice.

892
00:44:42,200 --> 00:44:44,399
Speaker 1: And if you really love music, I think you'll love

893
00:44:44,520 --> 00:44:45,840
Speaker 1: the Terrell Show.

894
00:44:47,000 --> 00:44:48,640
Speaker 2: That seems like a fun thing to watch. I'm gon

895
00:44:48,760 --> 00:44:49,920
Speaker 2: check it out. I love you know, I love me

896
00:44:50,000 --> 00:44:52,400
Speaker 2: some Cynthia Orribo. I can't wait for Harriet tell my movie.

897
00:44:52,640 --> 00:44:54,200
Speaker 1: Oh my gosh, I'm trying to think out what I'm

898
00:44:54,200 --> 00:44:55,920
Speaker 1: going to do special, like if I should do like

899
00:44:55,920 --> 00:44:58,440
Speaker 1: a DreamCatcher mob through because I really feel like we

900
00:44:58,520 --> 00:44:59,320
Speaker 1: all need to go watch it.

901
00:44:59,719 --> 00:45:02,160
Speaker 2: Yeah, buy out a theater in Newark or something. I

902
00:45:02,200 --> 00:45:02,560
Speaker 2: don't know.

903
00:45:02,920 --> 00:45:04,960
Speaker 1: I know, I wonder how much that would cross. I'm like,

904
00:45:04,520 --> 00:45:09,560
Speaker 1: I don't know, no, because honestly, it just I just

905
00:45:09,600 --> 00:45:12,120
Speaker 1: feel like it would just I just cannot wait. It

906
00:45:12,120 --> 00:45:16,759
Speaker 1: looks so good and empowering. And because sometimes you you know,

907
00:45:16,760 --> 00:45:18,880
Speaker 1: you watch some of those movies like Twelve Years of

908
00:45:18,920 --> 00:45:22,279
Speaker 1: Slave left me so broken, like I I can't do this.

909
00:45:22,440 --> 00:45:24,200
Speaker 2: My movie broke a lot of people, you know, my

910
00:45:24,280 --> 00:45:26,200
Speaker 2: friends and I. After that movie came out, we're like,

911
00:45:26,239 --> 00:45:30,760
Speaker 2: we cannot see any more slave Moviesation never saw it either.

912
00:45:31,040 --> 00:45:34,480
Speaker 2: But this one feels different because yes, we know she's

913
00:45:34,480 --> 00:45:35,280
Speaker 2: gonna make it.

914
00:45:36,239 --> 00:45:38,600
Speaker 1: And it feels empowering. It seems like she can't hear

915
00:45:38,760 --> 00:45:41,600
Speaker 1: very much like that, like she is not a victim

916
00:45:41,640 --> 00:45:45,759
Speaker 1: of her circumstance. She is she's heroic. She is powerful,

917
00:45:46,000 --> 00:45:48,280
Speaker 1: and she owns that power. And that's why I'm excited

918
00:45:48,280 --> 00:45:49,960
Speaker 1: to see it. Because you're right, so many of the

919
00:45:50,000 --> 00:45:53,280
Speaker 1: slave and not and not to say that they're bad

920
00:45:53,440 --> 00:45:56,400
Speaker 1: because that's the reality. That's what it was like. So

921
00:45:56,400 --> 00:45:58,080
Speaker 1: I'm glad I watched Twelve Years of Slave, but it

922
00:45:58,160 --> 00:46:01,719
Speaker 1: was I mean, I was sobbing weeping in the movie there.

923
00:46:01,800 --> 00:46:04,120
Speaker 1: I was like, wow, it was it was traumatic and

924
00:46:04,160 --> 00:46:06,239
Speaker 1: I was like, okay, I don't I don't want to

925
00:46:06,280 --> 00:46:09,120
Speaker 1: hate people. So I'm just not gonna watch these movies

926
00:46:09,120 --> 00:46:10,840
Speaker 1: anymore because it just makes you look around and you're like,

927
00:46:10,880 --> 00:46:15,279
Speaker 1: why are you like this? So yeah, so yeah, So

928
00:46:15,320 --> 00:46:18,239
Speaker 1: definitely the Harry movie. I cannot wait to see it. Yeah,

929
00:46:18,320 --> 00:46:20,360
Speaker 1: because she's just so dope and I just got to

930
00:46:20,400 --> 00:46:21,879
Speaker 1: hang out with her a little bit at Love's wedding

931
00:46:21,920 --> 00:46:25,680
Speaker 1: and she's just even dopeer. She's sang that saying love

932
00:46:25,719 --> 00:46:27,640
Speaker 1: you down the aisle, so she was the one who

933
00:46:27,760 --> 00:46:28,359
Speaker 1: likes Yeah.

934
00:46:28,400 --> 00:46:33,440
Speaker 2: It was beautiful, beautiful yeah.

935
00:46:32,040 --> 00:46:35,520
Speaker 1: Yeah, just such great energy. And Superman was like can

936
00:46:35,520 --> 00:46:38,200
Speaker 1: I get a picture? And she's like, oh sure. He's like,

937
00:46:38,200 --> 00:46:40,319
Speaker 1: I'm all my friends. I was like, you know what.

938
00:46:41,200 --> 00:46:44,359
Speaker 1: He took a picture with her and and eyvon Og

939
00:46:44,920 --> 00:46:47,120
Speaker 1: Molly from Insecure. He was so geek to be able

940
00:46:47,120 --> 00:46:48,800
Speaker 1: to tell his friends he meant to famous people.

941
00:46:48,960 --> 00:46:52,200
Speaker 2: I don't blame him. I've been like, yeah, this is

942
00:46:52,800 --> 00:46:54,600
Speaker 2: and of course you're probably playing it cool, but you

943
00:46:54,640 --> 00:47:00,239
Speaker 2: get to geek out when you're Tiffany ellye Chase, mister

944
00:47:00,239 --> 00:47:01,640
Speaker 2: budget stick. Can I get a picture please,