WEBVTT - Ep 322: 99 Problems, Home Appraisals Is One! 0:00:06.200 --> 0:00:16.600 Hey, hey, hey, we're back. We're black, We're brown and bishone. 0:00:17.800 --> 0:00:19.079 Hey hey, Mandre are you? 0:00:20.400 --> 0:00:20.599 Oh? 0:00:20.720 --> 0:00:23.000 You know hanging in there. I feel like mercury is 0:00:23.040 --> 0:00:26.200 in retrograde and the world is coming to get me. 0:00:26.280 --> 0:00:27.920 So I am in my bunker. I don't want to 0:00:27.960 --> 0:00:28.520 leave this house. 0:00:28.800 --> 0:00:30.560 Well, your hair's cute. I was like, ooh, I like 0:00:30.600 --> 0:00:31.639 this update with the bag. 0:00:32.040 --> 0:00:34.160 Oh thank you. I finally got my new pattern product 0:00:34.159 --> 0:00:34.640 in the mail. 0:00:35.000 --> 0:00:37.159 Ooh, it's do when you good girl? All these girl 0:00:37.200 --> 0:00:37.720 who's popping? 0:00:38.840 --> 0:00:39.559 What's up with you? 0:00:40.560 --> 0:00:43.960 Oh? I finally got my Webby award in the mail. 0:00:44.360 --> 0:00:46.959 Hey, better late than never. When you started posting, I'm like, 0:00:47.200 --> 0:00:48.479 is this old content from me? 0:00:49.159 --> 0:00:51.279 No? Literally, I got it that day and I was like, 0:00:51.320 --> 0:00:53.600 At first I thought they'd sent me mine and yours. 0:00:53.680 --> 0:00:54.720 I was like, why do I have too? 0:00:54.760 --> 0:00:57.960 Then I remember that we were doubly amazing and because 0:00:57.960 --> 0:00:59.280 we won two Webby Awards. 0:00:59.400 --> 0:01:01.120 Yes, girl, pull that bag out. 0:01:01.200 --> 0:01:03.800 Doesn't it feel like you want an award to feel? Yes, 0:01:04.400 --> 0:01:05.640 it feels like there's. 0:01:05.520 --> 0:01:06.200 Waight to it. 0:01:06.360 --> 0:01:08.160 See if you watch this on YouTube like you ought 0:01:08.200 --> 0:01:10.759 to do, he you know, then you could see Mandy's 0:01:10.800 --> 0:01:14.240 holding up one of her two Webby Awards. And if 0:01:14.240 --> 0:01:16.679 you're not familiar to the Webby Awards is it's a 0:01:16.920 --> 0:01:23.119 online It's an international Internet award for excellence so all 0:01:23.160 --> 0:01:26.320 things Internet and it's an international award well respected. Uh. 0:01:26.520 --> 0:01:30.240 This year made the Stallion one, Drew Barrymore, a bunch 0:01:30.280 --> 0:01:34.400 of other people and Brown Ambition one two. Webby said 0:01:34.560 --> 0:01:37.600 in Business, y'all the best, and then Webby said, let's 0:01:37.640 --> 0:01:39.840 ask the people what they think about the Business podcast, 0:01:40.040 --> 0:01:40.800 and the people. 0:01:40.560 --> 0:01:43.800 Say, y'all the best. So yeah, it was pretty awesome. 0:01:44.319 --> 0:01:45.920 Oh I'm so glad that you got them. So that 0:01:45.959 --> 0:01:47.600 means you finally checked your po box? Right? 0:01:48.160 --> 0:01:51.560 Are they melted to my house? It just literally came 0:01:51.600 --> 0:01:53.920 and I was like, what's this? And then I started 0:01:54.120 --> 0:01:56.880 opening them and I was like my Webby Award. Oh 0:01:56.920 --> 0:01:57.880 they sent me Mandy's too. 0:01:57.920 --> 0:02:00.400 Then I was like, wait a minute, we got oh 0:02:00.440 --> 0:02:01.280 no dues. 0:02:02.040 --> 0:02:06.080 So yes, I'm excited. That's I mean, it's nice to 0:02:06.120 --> 0:02:09.000 have that. Like it's nice we let we have y'all's love, 0:02:09.120 --> 0:02:11.680 but it's nice to get a little some some little recognition. 0:02:11.680 --> 0:02:15.520 We're also nominated for a Plutus Award. We've been nominated 0:02:15.560 --> 0:02:17.840 several times. I don't think we've ever won a Plutus, 0:02:17.880 --> 0:02:21.880 which is like the personal finance like NERD Award. And 0:02:22.000 --> 0:02:24.799 I'm actually gonna be there at fin Con in a 0:02:24.840 --> 0:02:27.280 couple of weeks where they will be announcing the winners. 0:02:27.440 --> 0:02:30.080 So if we win, I will try to represent. 0:02:30.120 --> 0:02:31.800 Ray some cute girls you can get on that stage 0:02:31.800 --> 0:02:34.519 and be like, I just want to dedicate this award. 0:02:35.919 --> 0:02:39.160 So anxious about being people are gonna see me from 0:02:39.200 --> 0:02:42.000 like the top of my boobs down, and I don't 0:02:42.000 --> 0:02:44.280 think people have seen that much of me. Like I'm 0:02:44.280 --> 0:02:47.120 gonna have to wear a bra. You guys don't understand 0:02:47.160 --> 0:02:49.120 when I tell you my bras, I do not know 0:02:49.160 --> 0:02:51.200 where they even are in my closet because I have 0:02:51.320 --> 0:02:54.239 not worn them in so long. I am so I 0:02:54.720 --> 0:02:56.480 don't want to wear a bra so badly that I 0:02:56.480 --> 0:02:59.640 bought those like little like chicken cutlet pasties. I just 0:02:59.680 --> 0:03:01.880 cover the so when I go to daycare pickup, but 0:03:01.880 --> 0:03:06.799 it's not scandal kids they cut into my sides like 0:03:07.120 --> 0:03:07.640 I even. 0:03:08.040 --> 0:03:10.480 I'm not gonna lie like I'm a sports marau girl 0:03:10.520 --> 0:03:13.480 these days, just because like at the house, because it's 0:03:13.520 --> 0:03:15.240 just so uncomfortable to your point, but I'm like oh, 0:03:15.320 --> 0:03:16.639 let me not look crazy on this line. 0:03:16.680 --> 0:03:18.520 Let me just w it at Sports broad at least 0:03:18.560 --> 0:03:19.760 there's some cushion. 0:03:20.919 --> 0:03:22.840 But the other day is I have braw let like 0:03:22.919 --> 0:03:24.640 three times bigger than what I need, so that I 0:03:24.680 --> 0:03:26.760 don't even feel it, Like it's just catching. 0:03:27.280 --> 0:03:30.760 I know the men's they don't understand they I was 0:03:30.760 --> 0:03:32.560 watching this, this is just random. I was watching this 0:03:32.600 --> 0:03:35.440 documentary and just had me thinking, like, remember last week 0:03:35.440 --> 0:03:38.000 we talked about how you know, like so many of 0:03:38.080 --> 0:03:40.240 like the gruruls, meaning like you know, the people who 0:03:40.240 --> 0:03:42.800 are doing well in business but are having a hard 0:03:42.840 --> 0:03:45.440 time behind the scenes. So I was watching this documentary 0:03:45.480 --> 0:03:49.360 of I think it was Insider of the guys who 0:03:49.480 --> 0:03:52.040 robbed the Kim Kardashian in Paris. Remember that time she 0:03:52.120 --> 0:03:55.120 was in Paris and they ran up in her. Yeah, 0:03:55.240 --> 0:03:57.400 and so they called them like I forget what they 0:03:57.480 --> 0:03:59.760 called them, but basically these guys ranged in age from 0:03:59.760 --> 0:04:01.200 six seventy two. 0:04:02.360 --> 0:04:05.480 They were like old g h rob wait basically. 0:04:07.880 --> 0:04:11.160 Got it, Okay, it's literally like so it's been like 0:04:11.160 --> 0:04:13.800 they caught them though they caught Yeah, they caught them 0:04:13.800 --> 0:04:16.039 because one of them left his DNA behind and so 0:04:16.080 --> 0:04:18.000 they spent like twenty two months in jail or something, 0:04:18.120 --> 0:04:20.800 and so they basically asked him and they so, you 0:04:20.800 --> 0:04:23.520 know it was Vice. Well Vice did a documentary about 0:04:23.520 --> 0:04:26.400 it too, like a mini documentary. But they asked them, 0:04:26.760 --> 0:04:29.320 you know, why did you rob Kim Kardashian. Did you 0:04:29.360 --> 0:04:31.520 feel bad? He was like, well, He's like, honestly, I'm 0:04:31.520 --> 0:04:34.520 not really on social media, but like, my granddaughter basically 0:04:34.560 --> 0:04:37.520 was showing me here's this rich person and she was talking, 0:04:37.520 --> 0:04:38.760 you know, she was flashing. 0:04:38.360 --> 0:04:41.520 Her ring about her money yes, and he said, oh, 0:04:41.720 --> 0:04:42.840 she don't really want that thing. 0:04:43.160 --> 0:04:45.360 So he was like old school, you know, back in 0:04:45.400 --> 0:04:47.560 the day, Robert him and his you know, he literally 0:04:47.600 --> 0:04:49.400 it's like a movie. He got the old crew together. 0:04:49.640 --> 0:04:52.680 It was like, let's go get that money. And he said, 0:04:52.760 --> 0:04:56.640 literally he was able to track every moment of her 0:04:56.760 --> 0:05:00.160 day because she posted everything real time on social media 0:05:01.080 --> 0:05:02.839 and you should have seen me in So they did 0:05:02.839 --> 0:05:04.560 like a broader They didn't just do the the Kim 0:05:04.600 --> 0:05:08.400 Kardashian guy. They also like interviewed other people who were 0:05:08.440 --> 0:05:11.880 robbing folks, and they were basically like, yo, social media 0:05:12.000 --> 0:05:13.760 has been He said, back in the day, you used 0:05:13.800 --> 0:05:15.720 to have to stalk outside someone's house and watch. 0:05:15.920 --> 0:05:17.160 He said, I don't have to do that anymore. 0:05:17.160 --> 0:05:19.440 He said, One, I can know exactly where you are, 0:05:19.440 --> 0:05:22.000 at least the area because on your social media, I 0:05:22.040 --> 0:05:24.840 can see your geolocation. Two, you have a picture of 0:05:24.880 --> 0:05:27.080 you holding all this cash. I'm like, bet they have cash. 0:05:27.400 --> 0:05:29.440 Three you're talking about I'm going to be dot dot 0:05:29.440 --> 0:05:31.680 dot here tonight. It's like, say less, I'll come get 0:05:31.680 --> 0:05:35.400 that watch, you know. And I just thought, you know, 0:05:35.720 --> 0:05:38.680 like it's so crazy, whether you know you're a Kim 0:05:38.720 --> 0:05:42.200 Kardashian or just a regular person, how much we actually 0:05:42.279 --> 0:05:45.520 share and how much we put ourselves in danger by 0:05:45.560 --> 0:05:48.559 sharing what we share, and you know, like people wanting 0:05:48.600 --> 0:05:51.040 to come and steal your watch or money or or 0:05:51.120 --> 0:05:51.600 things like that. 0:05:51.640 --> 0:05:53.480 And I just was just like to watch. 0:05:53.520 --> 0:05:57.400 It was really like ie opening because I don't really 0:05:57.440 --> 0:05:59.440 post like, you know, like that kind of stuff anymore, 0:06:00.240 --> 0:06:02.279 but I used to. I used to be like, you know, 0:06:02.800 --> 0:06:05.200 it was fun like now I'm out here, like oh 0:06:05.240 --> 0:06:06.919 we went to hear I'm about to get on you know, 0:06:06.920 --> 0:06:08.520 you don't think about it, or like I'm on vacation, 0:06:08.880 --> 0:06:12.839 basically come rob my house, you know. Yeah, So it's 0:06:12.920 --> 0:06:14.680 just what I just wanted to get your feedback on 0:06:14.720 --> 0:06:16.800 that that, like, whoof how does that make you feel? 0:06:16.880 --> 0:06:18.839 Like knowing that like, yikes that people be watching? 0:06:19.640 --> 0:06:22.040 I don't. I mean I feel like I maybe because 0:06:22.040 --> 0:06:24.400 I've covered personal finance for so long and I covered 0:06:24.440 --> 0:06:27.279 like cyber crime and like people stealing. And one of 0:06:27.320 --> 0:06:29.800 the one of the tips experts would always say is 0:06:30.160 --> 0:06:32.560 do not post on social media when you're going on vacation. 0:06:33.120 --> 0:06:35.679 And one of my good friends, like a family friend, 0:06:35.839 --> 0:06:37.800 just posted this weekend a picture of her kids at 0:06:37.839 --> 0:06:39.480 the airport. Is are about to go to you know, 0:06:39.520 --> 0:06:42.479 on a trip, And I was like, don't are you 0:06:42.520 --> 0:06:44.400 at the airport now? Is this an old photo? Like, 0:06:44.440 --> 0:06:46.720 don't post that right now, because literally now everyone knows 0:06:46.760 --> 0:06:48.560 that you're gonna be gone for an extended period of 0:06:48.560 --> 0:06:50.840 time at your house. So I don't know, in the 0:06:50.880 --> 0:06:52.479 back of my mind, I've always felt that way. So 0:06:52.520 --> 0:06:53.919 a lot of the stuff I post is from the 0:06:54.000 --> 0:06:57.920 day after or you know, the week after or whatever. 0:06:58.080 --> 0:07:00.520 But yeah, do not. I don't know if there's a 0:07:00.520 --> 0:07:03.560 way to like turn I don't think that like Instagram 0:07:03.920 --> 0:07:06.760 tracks your location, right, I mean, unless. 0:07:06.520 --> 0:07:08.880 You put the locations well, this is what integra Every 0:07:08.880 --> 0:07:10.480 time I come on, like, cause you know, I always 0:07:10.480 --> 0:07:13.160 take the app off my phone cause toxic. So whenever 0:07:13.320 --> 0:07:15.400 I download the app again and I signed it, it 0:07:15.400 --> 0:07:19.000 always says before I post something, do I want to 0:07:19.040 --> 0:07:23.680 have approximate location or pinpointed location? That doesn't give me 0:07:24.040 --> 0:07:26.920 an opportunity to say neither as far as I can tell, 0:07:27.280 --> 0:07:29.280 And so I always say approximate obviously because I'm just 0:07:29.320 --> 0:07:32.320 like little child. But it is really scary, you know, 0:07:32.480 --> 0:07:34.880 like in this day and age, it's just really crazy 0:07:34.920 --> 0:07:36.960 because one of the things that the robbers said, he said, 0:07:37.360 --> 0:07:42.760 it's it's like Heroin to influencers, that the attention they 0:07:42.760 --> 0:07:46.120 get for showing off their financial gains. 0:07:46.840 --> 0:07:48.640 And literally they. 0:07:48.480 --> 0:07:51.880 Had just interviewed a young woman who her whole apartment 0:07:52.080 --> 0:07:55.840 was ransacked just a few months prior, and she asked 0:07:55.880 --> 0:07:57.160 her what are you doing now to protect herself? 0:07:57.200 --> 0:07:58.000 She was saying the same things. 0:07:58.000 --> 0:08:00.320 You know, I don't post real time, but she the 0:08:00.440 --> 0:08:02.720 interviewer went out with her party with her friends, and 0:08:03.040 --> 0:08:05.280 literally in the interview, she's showing. 0:08:05.000 --> 0:08:05.600 Off her watch. 0:08:05.720 --> 0:08:08.160 Yeah, this watch I bought for this, And then the 0:08:08.160 --> 0:08:10.280 interviewers said, like after leaving her and her friends at 0:08:10.280 --> 0:08:13.520 the party, she said, now let me check her Instagram 0:08:13.760 --> 0:08:16.720 and looked at her stories, and in her stories it 0:08:16.800 --> 0:08:18.800 showed exactly where she was because she's like I just 0:08:18.880 --> 0:08:22.000 left her, so she's currently there now exactly what she's doing. 0:08:22.040 --> 0:08:24.880 It's like I wonder, like, what is that need for 0:08:24.960 --> 0:08:29.160 validation so much that after putting your life at risk. 0:08:29.400 --> 0:08:31.040 And almost having it taken. 0:08:30.840 --> 0:08:33.959 You put your life at risk again, like soon after 0:08:35.280 --> 0:08:39.199 instant gratification. There must be some kind of like chemical, 0:08:39.800 --> 0:08:42.440 like a hit of something like it the dopamine receptors 0:08:42.440 --> 0:08:44.079 in our brains or whatever it is that make when 0:08:44.080 --> 0:08:47.319 you eat sugar, and it's like more more a little 0:08:47.320 --> 0:08:51.000 bit of that, and I'm like everyone else, I get 0:08:51.040 --> 0:08:52.520 that little bit of like a you know, when you 0:08:52.559 --> 0:08:54.640 see something you posted of like has like gotten a 0:08:54.640 --> 0:08:57.479 lot of attention, you get that little bit of like gratification. 0:08:57.880 --> 0:09:00.880 I'm suspicious of that feeling, though at least be like 0:09:00.920 --> 0:09:02.960 I think we should all be suspicious of that feeling 0:09:02.960 --> 0:09:05.400 and just ask why do you need that? You know, 0:09:05.480 --> 0:09:09.360 and are you okay without it? I'm very at peace. 0:09:09.400 --> 0:09:11.320 If you came to my house and took something, I'd 0:09:11.320 --> 0:09:14.199 still be I like, you know what you want my 0:09:14.280 --> 0:09:17.720 zucchinis and my want the caterpillars. 0:09:18.040 --> 0:09:20.280 Right, It's true, there's nothing really to take over here. 0:09:20.320 --> 0:09:21.880 I'm like, I don't want to carry cash on me. 0:09:21.960 --> 0:09:25.600 I'm meant my baby and maybe husband on. 0:09:25.520 --> 0:09:28.800 A day, depending on the day you came. 0:09:28.840 --> 0:09:31.240 However, if you'd like a sixty pound mutt, you can 0:09:31.440 --> 0:09:32.160 take Molly in. 0:09:35.559 --> 0:09:38.480 Molly's like, oh word, if you can carry her, you. 0:09:38.440 --> 0:09:40.120 Can have her. 0:09:41.280 --> 0:09:42.840 But yeah, it just can't be thinking like a lot, 0:09:42.880 --> 0:09:46.320 like you know, because it's really hard honestly, social media. 0:09:46.360 --> 0:09:48.040 I just was like I jumped down the robbin hole 0:09:48.080 --> 0:09:52.760 of just watching what what it's done to people's psyche, 0:09:53.280 --> 0:09:58.680 watching financial affluence being touted on social media. You know 0:09:58.880 --> 0:10:02.400 how this is huge raise and like you know, cybercrimes 0:10:02.520 --> 0:10:07.000 and just like you know, depression and just feeling you're 0:10:07.040 --> 0:10:09.680 comparing yourself. I remember, do you remember when we first 0:10:09.679 --> 0:10:11.760 going on? Like I remember, like Facebook was the only thing. 0:10:11.920 --> 0:10:14.599 But I remember when I first came on Facebook and 0:10:14.640 --> 0:10:16.120 there were people who I knew in real life, because 0:10:16.160 --> 0:10:18.440 back then you've just followed people that you knew. But 0:10:18.480 --> 0:10:21.920 I remember being like, wait, he's on that lavish vacation, 0:10:22.080 --> 0:10:24.560 but I know them. He doesn't have money. I just 0:10:24.559 --> 0:10:28.000 remember being so confused because I was like, such and 0:10:28.080 --> 0:10:30.320 such works at the pharmacy, making nine dollars an hour, 0:10:30.800 --> 0:10:35.160 complaining about you know, his nineteen eighty nine civic But 0:10:35.280 --> 0:10:39.199 meanwhile the pictures were saying, just oh, you're luxuriating once 0:10:39.240 --> 0:10:42.800 again in Miami, And I just remember being so confused, 0:10:42.880 --> 0:10:44.880 and honestly, I started to feel like, what am I 0:10:44.920 --> 0:10:48.120 doing wrong? Because that person can afford this and I 0:10:48.200 --> 0:10:50.880 seemingly can't afford that. But I remember that very, very 0:10:50.960 --> 0:10:54.040 very being confused about how people I knew, how they 0:10:54.040 --> 0:10:55.800 were living in real life versus what they were putting 0:10:55.800 --> 0:10:59.320 on social media not real life at the time that 0:10:59.320 --> 0:11:01.160 that was something it was going to develop into this 0:11:01.280 --> 0:11:04.080 dual life that people portrayed as a release to their finances. 0:11:04.120 --> 0:11:07.000 You know, yeah, I don't think anything has driven that 0:11:07.040 --> 0:11:09.040 point home. The whole point of like social media is 0:11:09.040 --> 0:11:11.839 a curated lie that we tell the world as much 0:11:11.880 --> 0:11:14.680 as like now that I'm a mom, every cute picture 0:11:14.720 --> 0:11:18.400 of my son, just know bet that there was a 0:11:18.440 --> 0:11:20.880 tantrum before or after, and I wanted to give him 0:11:20.920 --> 0:11:23.760 back to the uterus like just no, and my own 0:11:23.800 --> 0:11:25.800 mother when she saw it in person when I was 0:11:25.880 --> 0:11:29.000 visiting her in July in Saint Louis, and I take 0:11:29.040 --> 0:11:31.360 amazing I'm a great photographer. I will toot my own horn. 0:11:31.440 --> 0:11:33.720 I love taking pictures. I always have. My dad's a photographer. 0:11:33.720 --> 0:11:34.440 Blah blah blah. 0:11:34.480 --> 0:11:36.800 I take epic photos of Rio and my mom is like, 0:11:36.840 --> 0:11:39.280 so this is how you do it, Like that little 0:11:39.320 --> 0:11:43.000 beautiful smile is because like you've thrown something at him 0:11:43.000 --> 0:11:45.200 that now you have to clean up, or because he's 0:11:45.360 --> 0:11:47.800 just rubbed snot on you and he thinks it's hilarious. 0:11:47.800 --> 0:11:50.920 And she's like, yeah, now I see, yeah, so everything is. 0:11:51.000 --> 0:11:53.320 I think you just have to I'm able to consume 0:11:53.360 --> 0:11:56.920 social media now because I understand that. I'm like, okay, 0:11:57.000 --> 0:11:59.000 I know they're real, real and I'll say say that 0:12:00.600 --> 0:12:03.160 it's a lie or it's just what people want to show. 0:12:03.320 --> 0:12:06.680 But there's so much behind the scenes. I went on 0:12:06.679 --> 0:12:08.600 a walk this morning. I usually take my walks in 0:12:08.600 --> 0:12:10.839 the morning, and I have it stack you're proud of. 0:12:11.160 --> 0:12:12.800 I have a stack. If I drop Rio off, I 0:12:12.800 --> 0:12:14.200 go to the park do my little walk. And a 0:12:14.240 --> 0:12:16.760 girlfriend of mine who she's a young mom too in 0:12:16.760 --> 0:12:19.839 my area, a black mom, and there's not a lot 0:12:19.880 --> 0:12:22.760 of us, and she and I have been talking about 0:12:22.760 --> 0:12:24.079 meeting up in the park for a while. She just 0:12:24.120 --> 0:12:27.760 had her second baby. Finally made it happen and we 0:12:27.880 --> 0:12:29.880 just had like we walked for about four miles and 0:12:29.920 --> 0:12:33.280 an hour and a half, and the conversations that we have, 0:12:33.720 --> 0:12:37.240 I mean, that's really where I think that you see 0:12:37.360 --> 0:12:40.120 what's happening behind people, And that conversation that I had 0:12:40.280 --> 0:12:43.280 just reminded me. Between that conversation I had with this 0:12:43.320 --> 0:12:45.520 fellow mom and just like being there for her and 0:12:45.559 --> 0:12:49.440 for each other. And then yesterday when my butt ran 0:12:49.480 --> 0:12:52.480 over something. Whoever led a shot putball loose on the 0:12:52.520 --> 0:12:56.080 highway yesterday to eighty seven in Westchester, you can go 0:12:56.120 --> 0:12:58.280 to hell because I ran over it, got it my 0:12:58.280 --> 0:13:01.440 first flat tire my whole life, and I had to 0:13:02.360 --> 0:13:04.680 like I was pandiced because I, you know, got the 0:13:04.720 --> 0:13:06.880 car toad. And then I had to pick up Rio 0:13:06.960 --> 0:13:08.840 from daycare like an hour later, and I didn't have 0:13:08.880 --> 0:13:10.839 a way of getting him because we only had the 0:13:10.880 --> 0:13:16.080 one car, and my neighbor fellow mom, I called her, Brianna, 0:13:16.080 --> 0:13:17.319 who I haven't talked to you in like a week, 0:13:17.360 --> 0:13:19.240 and I was like, Brianna, can you take me to 0:13:19.240 --> 0:13:21.360 pick up Rio? I don't you know she has a 0:13:21.400 --> 0:13:25.120 car seat. So my my neighbor took me to get 0:13:25.160 --> 0:13:27.319 Rio yesterday, and I just feel like those two back 0:13:27.360 --> 0:13:29.920 to back experiences just humbled me and reminded me like 0:13:30.800 --> 0:13:33.160 just get off the phone for a minute and like 0:13:33.240 --> 0:13:36.800 connect with people you never know who would benefit from 0:13:36.840 --> 0:13:39.840 just like ten minutes of you having a conversation with them. 0:13:40.240 --> 0:13:43.720 And also like I needed that at the same time. 0:13:44.240 --> 0:13:46.640 And I feel like whenever I feel really good about myself, 0:13:46.679 --> 0:13:48.440 like I got it going on, I got I got this, 0:13:48.520 --> 0:13:51.440 I got that. Business is good, I have my stuff together. 0:13:51.720 --> 0:13:53.280 Life has a way of just throwing you on your 0:13:53.280 --> 0:13:56.400 ass and reminding you that you need people, you know 0:13:56.400 --> 0:13:59.280 what I mean. Like when I say I was humbled, 0:13:59.480 --> 0:14:01.960 I'm in the passenger seat of my neighbor's car like 0:14:01.960 --> 0:14:04.400 like a teenager, like can't need to stop and shop 0:14:05.000 --> 0:14:07.160 because I also ordered groceries and now I have no 0:14:07.200 --> 0:14:12.320 way of getting them, Like so humbled. Yeah, that's the 0:14:12.360 --> 0:14:17.040 shit that matters. Forget the forget the icing, you know, 0:14:17.880 --> 0:14:21.920 like the jewels and all of that. Anyway, So shall 0:14:21.960 --> 0:14:24.280 we brown boosty brown break? Ye Oh, I have a 0:14:24.280 --> 0:14:26.200 good one. Yes, let's take a quick let's take a 0:14:26.240 --> 0:14:28.160 quick baby break and be right back with our brown 0:14:28.200 --> 0:14:29.000 boost brown break. 0:14:31.080 --> 0:14:32.600 It's time for offend. 0:14:32.600 --> 0:14:34.280 Nook No, no, that's b a qa. I'm like, what's 0:14:34.280 --> 0:14:40.040 my brown bootsbew break song? Oh girl, my brain. Well 0:14:40.160 --> 0:14:42.080 we just go cut straight to the straight to the straight. 0:14:42.920 --> 0:14:45.400 It's time for a brown boost and brown break. So 0:14:45.640 --> 0:14:47.720 if you're new, you know, just in case, you know, 0:14:47.760 --> 0:14:50.120 when we're brown boosting brown breaking, we're taking a break 0:14:50.120 --> 0:14:51.440 from the things that we're like this. 0:14:51.920 --> 0:14:54.720 No moss, you're no like you no, say I don't 0:14:54.760 --> 0:14:55.160 want it. 0:14:55.720 --> 0:14:58.520 And then brown boost is when we're like, ooh we 0:14:58.680 --> 0:15:01.160 love more of this more yes, yeah, yes, KKK, give 0:15:01.200 --> 0:15:03.880 it good, give it, give a give it. So you know, 0:15:03.920 --> 0:15:06.040 we tend to be heavy brown boosts here because you 0:15:06.080 --> 0:15:08.400 know it's already breaking outside. But sometimes we do have 0:15:08.440 --> 0:15:11.400 a break. So you said you had a brown boost 0:15:11.440 --> 0:15:12.600 for us, Mandra. 0:15:12.680 --> 0:15:14.160 I have a twofer. Are you going to do the 0:15:14.200 --> 0:15:15.680 appraisal one? Is that one of yours? 0:15:15.880 --> 0:15:16.040 No? 0:15:16.040 --> 0:15:18.720 No, no, because we have to quickly mention this insane 0:15:18.760 --> 0:15:21.080 story when whenever I get tagged in another one of these, 0:15:21.160 --> 0:15:24.400 like black family got their home appraised. You know it 0:15:24.480 --> 0:15:26.000 came in a lot less and then they had a 0:15:26.000 --> 0:15:27.800 white person stand in and all of a sudden their 0:15:27.840 --> 0:15:30.400 house was worth twice as much. I constantly think, oh, 0:15:30.440 --> 0:15:32.680 we already talked about that. It's the same story. Never 0:15:32.720 --> 0:15:36.040 it's always a new one. I can't believe that shit 0:15:36.160 --> 0:15:38.200 is still happening. But if you guys haven't seen it, 0:15:38.240 --> 0:15:41.040 this New York Times article came out last week. Home 0:15:41.080 --> 0:15:43.200 a praised with a black owner four hundred and seventy 0:15:43.200 --> 0:15:47.120 two thousand dollars with a white owner seven hundred and 0:15:47.160 --> 0:15:53.600 fifty thousand, cold crazy craziness. So just brown break for 0:15:53.680 --> 0:15:56.400 all that brown boost to the family because they are 0:15:56.440 --> 0:16:00.520 suing the lender lone depot. Even though these line they 0:16:00.600 --> 0:16:04.000 hire like they have contractor appraisers that they you know, 0:16:04.200 --> 0:16:07.520 outsource the work to, it's still you know, their responsibility. 0:16:07.600 --> 0:16:10.320 So the family is actually suing loan depot. I hope 0:16:10.320 --> 0:16:12.920 that they, I don't know, get their day in court 0:16:13.000 --> 0:16:16.040 or settle or whatever. But brown, brown break for that. 0:16:16.960 --> 0:16:18.920 And then I wanted to do a brown boost because well. 0:16:18.840 --> 0:16:20.400 Let me just jump in real quick with that brown booth. 0:16:20.440 --> 0:16:22.760 So just so you know, go ahead, I'm working on 0:16:22.840 --> 0:16:25.120 a law. Remember I let the same Angela Vie McKnight. 0:16:25.120 --> 0:16:28.360 Assembly Woman Angelobe McKnight. I wrote the budget list the 0:16:28.440 --> 0:16:31.560 law A one four one four making financial education mandatory 0:16:31.560 --> 0:16:34.600 for middle school students in the state of NJ because 0:16:34.640 --> 0:16:36.560 New Jersey already has a high school long place, right, 0:16:36.600 --> 0:16:40.760 So that same assembly woman hit me up when when 0:16:40.800 --> 0:16:43.280 it happened to me, and so the law has officially 0:16:43.320 --> 0:16:47.040 become a big and well, our appraisal potential law is 0:16:47.040 --> 0:16:47.600 now a bill. 0:16:48.440 --> 0:16:49.560 It's going to be voted on. 0:16:49.560 --> 0:16:52.600 Soon, so hopefully I'll have a second law under my 0:16:52.640 --> 0:16:56.200 belt and making you know, it illegal to appraise or 0:16:56.240 --> 0:17:02.440 property based upon race, gender, you know, sexual orientation, anything 0:17:02.520 --> 0:17:04.000 like that. And then on top of it, because I 0:17:04.000 --> 0:17:06.879 said the law has to include education that I wanted 0:17:06.920 --> 0:17:09.359 to like, I want this bill, which it does have, 0:17:09.400 --> 0:17:12.960 included that that your realtor and the appraiser has to 0:17:13.000 --> 0:17:16.000 give you some sort of checklist of like what to like, 0:17:16.240 --> 0:17:19.880 what you should expect from the appraisal process, and then 0:17:19.920 --> 0:17:22.280 what to do if you suspect that your appraisal has 0:17:22.320 --> 0:17:25.480 been done based upon you know, like your your race, 0:17:25.520 --> 0:17:27.920 your your sexual orientation, your gender, whatever, like what your 0:17:27.920 --> 0:17:30.200 recourse is that has to be included in the appraisal. 0:17:30.320 --> 0:17:32.959 So that way, the appraiser knows I'm on to you, 0:17:33.400 --> 0:17:36.320 and so that bill. Let's all cross our fingers and 0:17:36.400 --> 0:17:38.800 hope that this bill becomes law, because if we can 0:17:38.800 --> 0:17:41.200 set precedent in New Jersey, then other states can look 0:17:41.200 --> 0:17:43.760 at that, can multiply it and that and hopefully one 0:17:43.800 --> 0:17:46.560 day can become a federal law, because our current administration 0:17:46.600 --> 0:17:49.600 has mentioned that they understand that the appraisal process is 0:17:50.000 --> 0:17:51.800 contributing to the racial wealth gap. 0:17:52.280 --> 0:17:54.480 Yeah, that's that's so powerful. I'm glad you brought that up. 0:17:54.520 --> 0:17:56.119 Do you have like a copy or a link to 0:17:56.200 --> 0:17:56.600 that bill? 0:17:56.640 --> 0:17:58.040 I'm gonna you know what, I was just thinking, like, 0:17:58.080 --> 0:18:00.240 you know, because usually there's like a number going to 0:18:00.280 --> 0:18:03.120 I'll text Angela today and do, like what's the number 0:18:03.200 --> 0:18:04.639 front of the bill because you'll be able to like 0:18:05.040 --> 0:18:07.000 google it and then it'll pull up the because she'd 0:18:07.040 --> 0:18:08.560