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Speaker 1: Hey, Hey, Hey, I set up for a young woman

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Speaker 1: that I met in Atlanta last weekend, she said, and

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Speaker 1: make to day every time she hears that. So we're back,

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Speaker 1: Hannah Black and Brown.

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Speaker 2: I'm Tiffany, I'm Mandy, and this is Brown and Busy.

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Speaker 2: Happy hump Day.

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Speaker 1: Yes, I'm super excited because we have an interview. And honesty,

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Speaker 1: they're like the cutest couple in the world.

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Speaker 2: So I was instagram stalking as I do, and I

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Speaker 2: came across the story of this phenomenal couple from my hometown, Atlanta, Georgia. Hey,

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Speaker 2: so in Atlanta.

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Speaker 1: It's just an.

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Speaker 2: Atlanta themed episode today. Tiffany was that landa this weekend

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Speaker 2: without me, But it's fine. And this couple, their names

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Speaker 2: are Leo and Faith and they are twenty seven years

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Speaker 2: old and thirty years old, just married last year, and

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Speaker 2: they decided to spend their first year tackling one hundred

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Speaker 2: thousand dollars worth of debt in twelve months. You know,

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Speaker 2: no big deal. But I saw their story on Instagram

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Speaker 2: because they had just celebrated paying off one hundred thousand

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Speaker 2: dollars a debt. But what really struck me was that

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Speaker 2: they were like, oh, we're not done yet. We have

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Speaker 2: another one hundred thousand dollars to pay off next year.

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Speaker 2: But they look so happy and joyous. And I reached

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Speaker 2: out to them and I asked if they would come

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Speaker 2: on the show and just share their story of how

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Speaker 2: they managed to pay off so much debt and so

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Speaker 2: little time, being so young. And I love I love

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Speaker 2: their interview. I think that they are really inspiring. I mean,

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Speaker 2: you and I both talk about the issues we had

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Speaker 2: early on our relationships getting on the same page with

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Speaker 2: our significant others. Like to tackle something like that, like

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Speaker 2: if you're not going to be a team about it,

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Speaker 2: it's never going to work. And I know that we've

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Speaker 2: got questions from listeners over the over the years now

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Speaker 2: we've been doing this podcast, asking you know, what do

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Speaker 2: you do if your spouse isn't on board, not on

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Speaker 2: the same money page and whatnot? And I think Leo

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Speaker 2: and Faith's story is just proof of first how to

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Speaker 2: solve that issue and then how to tackle your debt

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Speaker 2: together as a team.

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Speaker 1: It's just a great, great lesson that you guys are

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Speaker 1: going to learn today because it's just it's not easy

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Speaker 1: when you're it's one thing to make your own financial

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Speaker 1: decisions and goals and choices. It's another when you have

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Speaker 1: to this is not a boyfriend or whatever, Like you

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Speaker 1: must consider someone else's feelings when you're you're tackling your

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Speaker 1: financial goals and theirs as well. So this past weekend

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Speaker 1: was really amazing, Mandra because I went to Atlanta, your

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Speaker 1: old stopping grounds.

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Speaker 2: Yeah, without me, whatever, It's fine.

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Speaker 1: So Blavity had this Blavity and twenty one ninety had

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Speaker 1: this conference called Summit twenty one. It was really geared

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Speaker 1: toward women of color who it seemed like entrepreneurial women

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Speaker 1: of color. That's what I would like, I would say,

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Speaker 1: But everybody wanted to be an entrepreneur. Some people just

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Speaker 1: came for like inspiration, but I feel like most people did.

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Speaker 1: And there was about twelve hundred plus women there. And

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Speaker 1: we actually had Morgan as a guest on the show,

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Speaker 1: the founder of Blavity.

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Speaker 2: Yeah, she's been on twice, Morgan Devon, and I think

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Speaker 2: the last time we had around, she had just launched

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Speaker 2: twenty one ninety, like the lifestyle and health mental health

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Speaker 2: kind of vertical, right, yes.

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Speaker 1: And what was so great about it is that with

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Speaker 1: it was like three tracks. It was the beauty track,

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Speaker 1: there was an impact track, and there was a money track.

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Speaker 1: So I was there to talk to do the money track.

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Speaker 1: But Mandy, let me tell you, so many of them,

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Speaker 1: so many of the wonderful, amazing women to attended were like,

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Speaker 1: I love your podcast and many less it Hi, two

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Speaker 1: hugs for me, one for me, So I owe you

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Speaker 1: like fifteens.

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Speaker 2: Oh no, that's awesome. Atlanta always shows up for us.

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Speaker 1: I feel like, yes, they were just so excited, and

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Speaker 1: honestly it was. It was the weekend that I needed

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Speaker 1: because I've been in like a mah mood like the

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Speaker 1: last couple of weeks because nothing's happened. You know, you

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Speaker 1: just get like I'm not have been as inspired because

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Speaker 1: sometimes right now there's no major projects or whatever, sometimes

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Speaker 1: the work can be like redundant, you know what I do,

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Speaker 1: like management, like, oh let me call this team member

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Speaker 1: and this team member. But I got to teach, and

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Speaker 1: so I did a thirty minute kind of like talk

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Speaker 1: and then afterwards so many women had questions. I spent

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Speaker 1: two hours in the hallway like answering questions, and then

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Speaker 1: a group formed. Then before you know, we had second

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Speaker 1: class in the hallway, and I realized, like you know

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Speaker 1: what it was to pick me up that I needed,

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Speaker 1: And I think I'm going to do that once a

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Speaker 1: month someplace free in Newark and just be like, hey, guys,

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Speaker 1: meet me here because I don't often get a chance

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Speaker 1: like my business teaches. But I realized me as Tiffany,

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Speaker 1: I don't often get a chance to teach in person,

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Speaker 1: and so it was just wonderful. And just want to

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Speaker 1: shout out all the women who are listening who are there,

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Speaker 1: thank you for just showing me and Mandy some love.

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Speaker 2: Yeah, it must be nice to get back in your

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Speaker 2: element because it's like you set up the business so well,

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Speaker 2: like to the point where you it's kind of like

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Speaker 2: it's become its own massive success and you, yeah, I

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Speaker 2: can see how you're not obviously doing like free financial

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Speaker 2: planning sessions or financial coaching sessions anymore.

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Speaker 1: Yeah, and honestly because I really don't have time to

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Speaker 1: do like one on ones. But I'm realizing, like I

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Speaker 1: just I missed, like I really loved teaching. And it

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Speaker 1: wasn't until like Morgan even came up to me when

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Speaker 1: I was in the hallway. She's like, you're still here,

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Speaker 1: and I was like, what time is it? She's like

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Speaker 1: it's four. I ended at too, and I saw, Okay, Tiffany,

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Speaker 1: you really missed like the interaction with people and teaching,

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Speaker 1: So yeah, I'm excited about that. But yeah, it was

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Speaker 1: just honestly, it was wonderful. Morgan did an amazing job.

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Speaker 1: It was organized, the speakers were great, the women were great,

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Speaker 1: because sometimes you go to conferences and you see people

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Speaker 1: that are like, you know, that wasn't that great, or

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Speaker 1: I didn't like this. The food was great. They had vegetarian,

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Speaker 1: they had vegan, they had chicken, they had I mean

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Speaker 1: it just it was so well done, and so yeah, Glavitty,

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Speaker 1: well done, well done, Morgan, awesome.

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Speaker 2: I'm so proud of her. And didn't they get acquired

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Speaker 2: or something major? Hopping with them recently? They're doing so well.

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Speaker 1: Yeah, I don't know. Maybe you know, I don't know,

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Speaker 1: maybe they did, but I hadn't heard that though. Maybe

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Speaker 1: What about you? How was your weekend?

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Speaker 2: I already forgot what I did this weekend? Oh, speaking

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Speaker 2: of feel good vibes, we actually did our My company

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Speaker 2: does like a quarterly service project, but this quarter we

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Speaker 2: actually did like a it was an opportunity to do

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Speaker 2: something actually out in the community and my I got

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Speaker 2: a chance to partner with my really good friend and

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Speaker 2: his name is Brian. He started a nonprofit called Break

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Speaker 2: a Difference a few years ago, and Break a Difference

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Speaker 2: basically organizes these volunteer groups through corporations, like if you want,

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Speaker 2: if your corporation wants to get a bunch of your

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Speaker 2: employees together for service, project, Break a Difference organizes it.

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Speaker 2: But they also do like week long breaks like spring

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Speaker 2: break or winter break for college kids and high school kids,

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Speaker 2: which is how I met this friend Brian. Like we

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Speaker 2: met each other right after Katrina in two thousand and six,

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Speaker 2: we volunteered. We did a spring break in Biloxi, Mississippi,

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Speaker 2: and we just spent the week like living in tents

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Speaker 2: and helping these devastated communities rebuild. And that's where our

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Speaker 2: bonds started. So cut to twelve years later now he

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Speaker 2: runs this nonprofit and he got to help us organize

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Speaker 2: our day of service and we ended up spending the

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Speaker 2: whole magnifying money. Team went to Queens to Long Island City,

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Speaker 2: Queens or sorry, Astorya, Queens and we helped build garden

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Speaker 2: beds and shovel compost and pull weeds at this really

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Speaker 2: cute community garden called Two Coves, which which I lived

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Speaker 2: in Astoria for like six years and I had never

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Speaker 2: been to Two Coves Community Garden and it was amazing.

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Speaker 1: You know.

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Speaker 2: The woman there, Vanessa, who started it like a couple

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Speaker 2: decades ago, was talking about basically it was a part

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Speaker 2: of Astoria that had a lot of low income housing

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Speaker 2: and a lot of crime and people were like dumping

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Speaker 2: on this site. They were dumping trash, but she was

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Speaker 2: she said they dumped mattresses, boats, like beyond just normal trash.

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Speaker 2: And eventually members of the community got together and said

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Speaker 2: that's enough, and they applied to be able to convert

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Speaker 2: it into this community space and now it's just gorgeous

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Speaker 2: garden and like people, you can apply to have a

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Speaker 2: little plot and I've never I mean, like I love

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Speaker 2: queens so much because you just will not find a

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Speaker 2: more diverse place in America. Like I mean, there was

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Speaker 2: like people of all walks of life, faith, colors, creeds,

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Speaker 2: just their gardening, just like tending to their squash and

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Speaker 2: their flowers and their whatever. And we were you know,

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Speaker 2: so my team was like building little garden beds for

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Speaker 2: each little plot and it was it was one of

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Speaker 2: those days where you need to get out of the

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Speaker 2: office and it's so nice, just like, first of all,

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Speaker 2: it's nice to talk to people I work with because

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Speaker 2: this has been a crazy year and we haven't you know,

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Speaker 2: we just are always grinding, grinding, grinding, And to get

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Speaker 2: us out of the office in the sunshine, like knee

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Speaker 2: deep and dirt in like earthworms and bugs, it was

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Speaker 2: it was so nice like and it just reminded me

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Speaker 2: of that same feeling I had when I was eighteen

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Speaker 2: when I first met Brian doing that outreach. And now

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Speaker 2: I'm thinking, I feel like we both had similar moments.

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Speaker 2: Then I'm like, I'm thinking I need to go back

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Speaker 2: to doing more community service projects because I've gotten in

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Speaker 2: this mode where I do my monthly donations to different

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Speaker 2: organizations that I support, but I'm not actually like doing

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Speaker 2: anything or you know, out in the community and or

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Speaker 2: you know, helping people with my own two hands. And

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Speaker 2: there was something really I mean, at the end of

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Speaker 2: the the end of the day like that, when you're

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Speaker 2: just so tired and we were so dirty and gross.

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Speaker 2: But then you have Vanessa who found it two coves

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Speaker 2: like she gave us really impromptu little speech about how

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Speaker 2: special everything it was that we were there and it's

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Speaker 2: just oh, so many like feel good, you know, so

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Speaker 2: many emotions and everyone just left with a huge smile

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Speaker 2: on their face and you mean, yeah, we miss on

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Speaker 2: a day of work and we're catching up now. But

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Speaker 2: it was worth it a hundred times.

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Speaker 1: It sounds like it. Honestly, I just love that that

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Speaker 1: like nothing like outside and giving back. That was the

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Speaker 1: to me. You know, it's so crazy because you're right,

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Speaker 1: we had similar weekends. To me. The theme for the

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Speaker 1: weekend for me was like service. You know, like I

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Speaker 1: realized that, like, hmm, when's the last time you've been

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Speaker 1: of service? Because it's easy for me to get lazy

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Speaker 1: and say my business is of service, you know, but

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Speaker 1: I'm like, no, that's cute. But you, Tiffany, when's the

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Speaker 1: last time you've been of service? And it's been a

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Speaker 1: long time. And so it was like, you know, being

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Speaker 1: of service just feeds your soul and so look at us, twins.

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Speaker 2: I might I'm about to find something in my new

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Speaker 2: neighborhood to do. I don't know, help an old lady

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Speaker 2: cross the street.

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Speaker 1: I don't know something right.

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Speaker 2: Yeah. Meanwhile, in America, did you see the story about

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Speaker 2: I love this story so much. So Oprah and Meghan

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Speaker 2: Markle's mom are supposedly best friends. Apparently people were saying,

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Speaker 2: you know, Meghan Markle, you know, of course, now the prince,

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Speaker 2: what is she like a queen or a princess? No duchess,

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Speaker 2: oh sorry, duchess, Prince Harry's new wife. Anyway, so her

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Speaker 2: mom of like the beautiful images of her mom at

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Speaker 2: the whirl wedding. You know, she was sitting by herself

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Speaker 2: to the side, black woman and you know this famous

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Speaker 2: church watching the first black duchess ever married the prince.

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Speaker 2: It was amazing. But Oprah was at the wedding, and

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Speaker 2: apparently they were photographed like Megan Markle's mom leaving Oprah's

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Speaker 2: house with all these packages and gifts and stuff. So

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Speaker 2: and people were saying that Oprah was trying to bribe

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Speaker 2: her to like to get the first interview with Harry

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Speaker 2: and Megan. Meanwhile, do you know Oprah, like, she doesn't bribe.

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Speaker 2: But Oprah set the record straight, and it turns out

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Speaker 2: what happened was she invited her mom over I think

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Speaker 2: her name is Doria, over to her house just to talk.

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Speaker 2: And she had asked her to bring a yoga mat

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Speaker 2: because her mom is a yoga teacher, just in case,

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Speaker 2: as you do, you decide to do some yoga with Oprah.

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Speaker 2: But then they had a delicious cum quar, like they

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Speaker 2: had a cum quat dessert or something. And Oprah was like, oh, yeah,

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Speaker 2: I have a kumquat tree. You like cum quats. Here's

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Speaker 2: an entire basket.

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Speaker 1: Of kum quats.

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Speaker 2: I can't and sent her out the door and she's like,

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Speaker 2: I'm not bribing her. They were cum quats people.

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Speaker 1: I know what. First of all, just yeah, I don't

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Speaker 1: care what I'm like Oprah. I mean, you know, you

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Speaker 1: could give me a bath rug and I'm taking it

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Speaker 1: home and I'm framing it like I got an Oprah

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Speaker 1: bath rug. But you know, people always trying to look

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Speaker 1: for like the the bad and the good. But I

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Speaker 1: want them to be BFFs because I think Megan, I

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Speaker 1: mean I don't know obviously her mom, but she just

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Speaker 1: seems like so poised and just like a lovely woman,

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Speaker 1: and I think Oprah would make a great bff.

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Speaker 2: Yeah. Did you know there's also you were the one

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Speaker 2: Did you tell me about the making Oprah podcast?

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Speaker 1: Ah?

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Speaker 2: Yes, way back when did you hurt hear that they did.

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Speaker 2: They're doing the Making Obama one about Michelle. Really to

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Speaker 2: go download that.

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Speaker 1: Yeah, it's not so, it's not up yet. I think it.

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Speaker 2: No, I think it is up. I think they have

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Speaker 2: a few episodes up. I just saw it on like

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Speaker 2: some podcast list. Meanwhile, you please listen to Brown Ambition.

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Speaker 2: But when you're done, go check out Making because Making

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Speaker 2: Oprah was so good.

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Speaker 1: It told the story of.

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Speaker 2: How she became Oprah and this is this is gonna

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Speaker 2: like feed my appetite until the Becoming Michelle book comes out.

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Speaker 1: Yes, that would be. I wonder if it's Making Oprah

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Speaker 1: or Becoming Oprah, but I don't remember either way. But

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Speaker 1: it was a really good The woman who did the work,

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Speaker 1: the journalistic work on it just did a really good

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Speaker 1: job and somehow also convinced Oprah to come on, which

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Speaker 1: was amazing. But to really capture her story from beginning

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Speaker 1: it's for a professional story and me from the beginning

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Speaker 1: to kind of like the end of the Oprah Show,

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Speaker 1: it was just excellently like just so well done. So

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Speaker 1: I'm assuming that Michelle's will be equally as amazing.

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Speaker 2: I love that live correction on the air. It's making Obama.

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Speaker 2: It's Barack Obama. All right, that's interesting, Okay, Why am.

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Speaker 1: I less interested?

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Speaker 2: I mean, he was a president.

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Speaker 1: I thought I was gonna be We all just loved Michelle.

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Speaker 1: I remember even even like President Obama said that. He

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Speaker 1: was like, I mean, you know, you guys are just

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Speaker 1: hear from Michelle anyway, like we are. I mean Yourku

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Speaker 1: tool Barry, you know, like I've read his books.

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Speaker 2: I know enough about him. It's it's Michelle who I

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Speaker 2: want more about. Like anyway, It's fine, it'll be great.

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Speaker 1: But yeah.

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Speaker 2: It was called Making Oprah by wbe Z Chicago, Making Obama,

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Speaker 2: and they have one, two, three, four six episodes up,

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Speaker 2: so binge one benches later. You guys, I don't know

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Speaker 2: about y'all. Tip and I both got married this last year.

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Speaker 2: But I can't even imagine what it would be like

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Speaker 2: if I got married and then we sat down one day,

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Speaker 2: did some calculations and realized we had close to two

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Speaker 2: hundred thousand dollars of debt. But I wanted to bring

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Speaker 2: on this week's guest to the show, Faith and Leo

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Speaker 2: from Atlanta, because I came across them on Instagram and

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Speaker 2: their story was so inspiring. This actually happened to them.

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Speaker 2: They're a young couple from my home state of Georgia,

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Speaker 2: and they got married and had their whole lives ahead

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Speaker 2: of them. But when they sat down and really did

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Speaker 2: the math, they realized, holy crap, actually have six figures

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Speaker 2: worth of debt. Now. What they didn't do is put

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Speaker 2: their heads in the sand and freak out and say,

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Speaker 2: you know, this is impossible, we can't achieve this. They

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Speaker 2: sat down and said, okay, how are we going to

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Speaker 2: make this happen. They took on extra jobs, they completely

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Speaker 2: changed their lifestyle, and they managed to pay off over

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Speaker 2: one hundred thousand dollars in the last year alone.

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Speaker 1: That's crazy amazing.

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Speaker 2: So I saw them on Instagram totally random. I slid

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Speaker 2: into I never slide into anyone's DMS. I don't really

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Speaker 2: know what that means, like is that creepy? But I

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Speaker 2: slid into Leo's DMS and I said, you guys, I

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Speaker 2: want to have you and your wife Faith on the

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Speaker 2: podcast because I think people need to hear a story

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Speaker 2: like this because sadly they're not necessarily unusual, right, like

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Speaker 2: six figures of debt to twenty somethings, you know, two

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Speaker 2: millennials getting married today, like we all have debt, tons

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Speaker 2: of student debt, and it's not like they did anything wrong.

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Speaker 2: But what I find really inspiring is that they made

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Speaker 2: a plan to actually tackle it and is clearly working.

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Speaker 2: So Faith and Leo, thank you for coming on Brown Ambition.

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Speaker 3: Thank you, Yes, thanks for having us, Thank you.

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Speaker 1: We're glad to be here.

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Speaker 2: How how how did you do this? How did you well?

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Speaker 2: Take us back to when you guys first met, when

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Speaker 2: you got married, and when was it that you realized

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Speaker 2: you were sitting on Was it two hundred something thousand

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Speaker 2: dollars worth of debt?

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Speaker 3: Yes, it was approximately two hundred and.

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Speaker 4: Eleven thousand, and we met in twenty fourteen. I moved

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Speaker 4: from Boston for a job here in Atlanta, and Faith

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Speaker 4: moved here for school. She went to Emory University. And

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Speaker 4: a friend of mine invited me to a small to

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Speaker 4: a young adult service at his church. And so I

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Speaker 4: went to that service on a Wednesday night, and.

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Speaker 3: My friend wasn't there.

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Speaker 4: He didn't show up, but I went anyways, and lo

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Speaker 4: and behold they were having small groups. And Faith and

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Speaker 4: I happened to live in the same city and ended

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Speaker 4: up being in the same small group, so she couldn't

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Speaker 4: take her eyes off of me, and the rest is history.

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Speaker 2: She didn't know about that. She didn't know about that

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Speaker 2: debt yet though.

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Speaker 3: In her in her mind she was like, I don't

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Speaker 3: know about her so.

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Speaker 2: And y'all are newly would so you mean it's only

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Speaker 2: been a year. Did you guys know about the debt

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Speaker 2: before you got married?

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Speaker 3: Yes, we sure did.

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Speaker 4: We had premarital counseling with our pastors a few months

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Speaker 4: before we got married, and we were forced to talk

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Speaker 4: about everything, including our finances. So when we sat down

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Speaker 4: with them, one of the sessions that we had was

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Speaker 4: about our purpose and what was the purpose of our marriage?

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Speaker 4: Why are you two together? What is it that you

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Speaker 4: guys want to accomplish. So one of the things that

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Speaker 4: we wanted to do as a family was be a

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Speaker 4: family that gave, and not only financially but our time.

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Speaker 4: And the biggest thing standing in our way was our debt.

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Speaker 4: So we decided to look in our accounts and total

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Speaker 4: all of our debt up to see what we were

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Speaker 4: up against.

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Speaker 3: And there was the two hundred thousand.

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Speaker 1: Who was leading the charge as far as having the

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Speaker 1: most amount of debt.

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Speaker 5: Me I of course was so I went to private school.

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Speaker 2: I maybe I heard Emory you were in trouble.

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Speaker 1: Yes, So I.

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Speaker 5: Got both of my undergrad degrees from private school, and

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Speaker 5: I also got my like graduate degree from private school too,

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Speaker 5: And I just thought it was normal to call Sally

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Speaker 5: May and I took out an excessive amount of student loans.

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Speaker 5: I didn't apply for any scholarships. I was just like, well,

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Speaker 5: Sally May is just going to get me through Emory

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Speaker 5: and all of my schooling. So I was the one

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Speaker 5: that brought in all the debt.

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Speaker 2: I mean you had some help, yeah, don't take full credit.

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Speaker 2: And now you're a nurse practitioner and Leo, you are

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Speaker 2: an occupational therapists. But how when was it that you realized, Okay,

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Speaker 2: if we really want to tackle this debt, we need

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Speaker 2: to take on extra work.

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Speaker 3: Right away. There was no way we would be able

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Speaker 3: to pay off.

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Speaker 4: All of our debt within a reasonable amount of time

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Speaker 4: if we did not pick up extra jobs. So I

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Speaker 4: started doing the extra working first, because Faith was still

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Speaker 4: in school when we started dating and courting. So I

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Speaker 4: worked on the weekends, worked on pretty much practically every saturday,

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Speaker 4: so I was doing six days a week for as

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Speaker 4: long as I can remember, still doing it now. So

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Speaker 4: when Faith graduated and started working, she continued her part

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Speaker 4: time job from from her master's program while starting her

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Speaker 4: full time job. So we just said, this might have

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Speaker 4: to be our life for the next couple of years

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Speaker 4: so we can really attack our debt.

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Speaker 1: I was just gonna say, was this a plan that

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Speaker 1: you guys created before you got married or what did

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Speaker 1: you kind of wait until after?

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Speaker 4: It was a plan to pay off our debt, but

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Speaker 4: we did not anticipate that it would be to this extent,

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Speaker 4: to this extent and as intense as we have been

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Speaker 4: going this past year. I think once the ball started

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Speaker 4: rolling and we saw how much ground we were making,

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Speaker 4: then we decided to just put our foot on the

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Speaker 4: pedal a little bit more each month.

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Speaker 2: How do you get to one hundred thousand dollars in

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Speaker 2: a year? To walk me through that, I mean, that's

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Speaker 2: what twelve months in a year? Seventy five carry the one.

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Speaker 2: It's a lot of money. Yeah, every month. I mean

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Speaker 2: that's thousands of dollars you guys were saving each So

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Speaker 2: I mean, were you reducing your expenses?

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Speaker 1: How much?

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Speaker 2: For you bringing in those extra jobs? I mean I

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Speaker 2: feel like, you guys must never have even seen each

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Speaker 2: other if you're working that much.

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Speaker 1: Yeah.

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Speaker 5: So, I mean we reduced pretty much all of our

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Speaker 5: extra expenses, and so every single month we had a

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Speaker 5: budget meeting and we listed out, you know, what we

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Speaker 5: had planned for the month and what.

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Speaker 1: Else did we do. We carpooled to work.

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Speaker 5: So we both work in South Atlanta, so instead of

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Speaker 5: taking two cars to our job, we carpool, which saves

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Speaker 5: us on gas and also miles on another car. And

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Speaker 5: we rarely eat out as well, So I'm packing all

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Speaker 5: of the lunches, I am making dinner every week, like

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Speaker 5: we're rarely eating out, and that is what helped us

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Speaker 5: save a lot of extra money, because if you think

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Speaker 5: about it, if you're constantly eating out, you know, even

436
00:21:54,280 --> 00:21:58,040
Speaker 5: if you get a meal that's like five dollars, after

437
00:21:58,080 --> 00:22:00,800
Speaker 5: a while, it begins to add up. And we realized

438
00:22:00,840 --> 00:22:03,879
Speaker 5: that we were saving so much money by packing our lunches,

439
00:22:03,920 --> 00:22:06,160
Speaker 5: by making dinner, and also carpooling.

440
00:22:07,160 --> 00:22:11,160
Speaker 4: Yeah, and we also don't have cable, so we have

441
00:22:11,200 --> 00:22:14,040
Speaker 4: an antenna that we bought from Walmart so we can

442
00:22:14,080 --> 00:22:15,400
Speaker 4: pick up the local channels.

443
00:22:15,760 --> 00:22:16,960
Speaker 3: We have our firestick.

444
00:22:17,359 --> 00:22:20,879
Speaker 4: I still till this day have the iPhone five s

445
00:22:21,119 --> 00:22:24,120
Speaker 4: and I know they no longer make that apple.

446
00:22:25,800 --> 00:22:26,240
Speaker 3: Yeah.

447
00:22:26,280 --> 00:22:29,680
Speaker 4: So my phone bill is literally less than three hundred

448
00:22:29,720 --> 00:22:32,600
Speaker 4: dollars a year because I'm on a family plan with

449
00:22:32,840 --> 00:22:36,320
Speaker 4: a bunch of cousins of mine. So any little wiggle

450
00:22:36,400 --> 00:22:40,359
Speaker 4: room that we could we found and extra money would

451
00:22:40,400 --> 00:22:44,960
Speaker 4: go straight towards Sally May and fed Loan Servicing and

452
00:22:45,040 --> 00:22:45,959
Speaker 4: Great Lakes.

453
00:22:46,560 --> 00:22:49,959
Speaker 5: You should walk them through our weekend times of like

454
00:22:50,040 --> 00:22:50,960
Speaker 5: with working.

455
00:22:51,760 --> 00:22:52,320
Speaker 1: You get it.

456
00:22:52,840 --> 00:22:57,120
Speaker 4: So Faith and I would go to work on Friday

457
00:22:57,800 --> 00:23:02,200
Speaker 4: Friday afternoon, I would leave my full time job and

458
00:23:02,240 --> 00:23:05,359
Speaker 4: go to my part time job for about three and

459
00:23:05,440 --> 00:23:06,600
Speaker 4: a half to four hours.

460
00:23:07,040 --> 00:23:08,560
Speaker 3: Faith would be home sleeping.

461
00:23:08,720 --> 00:23:11,159
Speaker 4: When I get back, Faith would be waking up to

462
00:23:11,240 --> 00:23:15,520
Speaker 4: go to her overnight nursing job, and I would go

463
00:23:15,560 --> 00:23:18,680
Speaker 4: to sleep. In the morning, I would be waking up

464
00:23:18,840 --> 00:23:21,040
Speaker 4: and Faith would be coming back in and I would

465
00:23:21,040 --> 00:23:23,040
Speaker 4: be leaving to go to my part time job on

466
00:23:23,119 --> 00:23:27,240
Speaker 4: Saturday morning. And we did that for the past six

467
00:23:27,359 --> 00:23:30,119
Speaker 4: or seven months as we got really intent. So it

468
00:23:30,160 --> 00:23:34,040
Speaker 4: would literally be like hey, o, hey, see you later

469
00:23:34,400 --> 00:23:37,640
Speaker 4: with kiss and yep, see you in a little bit.

470
00:23:38,000 --> 00:23:40,240
Speaker 5: Yeah, but it was worth it though, I mean, we

471
00:23:40,960 --> 00:23:44,359
Speaker 5: have a poster that we have been tracking how much

472
00:23:44,440 --> 00:23:48,320
Speaker 5: debt we've paid off, and even though we spent like

473
00:23:48,400 --> 00:23:51,000
Speaker 5: a few months of our life not really seeing each other,

474
00:23:51,119 --> 00:23:54,160
Speaker 5: it's been really worth it to see how much debt

475
00:23:54,200 --> 00:23:56,919
Speaker 5: we were able to pay off. With a lot of discipline,

476
00:23:56,960 --> 00:24:02,480
Speaker 5: a lot of self control, and just deny delayed gratification.

477
00:24:01,880 --> 00:24:03,359
Speaker 1: We were able to do all of that.

478
00:24:04,640 --> 00:24:07,000
Speaker 2: How did you prioritize the debts too? Because you don't

479
00:24:07,040 --> 00:24:09,280
Speaker 2: have just student loan debts, you have some credit card debt.

480
00:24:09,600 --> 00:24:11,440
Speaker 2: I think you said you had a home improvement loan.

481
00:24:11,560 --> 00:24:14,640
Speaker 2: Like a lot of people, you have different piles here

482
00:24:14,680 --> 00:24:16,720
Speaker 2: and there. How did you prioritize them?

483
00:24:17,600 --> 00:24:22,120
Speaker 4: The credit cards were from wedding expenses, so we got

484
00:24:22,240 --> 00:24:26,000
Speaker 4: rid of those fairly early. It started with me a

485
00:24:26,040 --> 00:24:30,600
Speaker 4: month before we got married attacking those, so we prioritized that.

486
00:24:30,840 --> 00:24:34,440
Speaker 4: And then we transition to the loans that were under

487
00:24:34,480 --> 00:24:38,679
Speaker 4: my name, which were my student loans because Faith was

488
00:24:38,720 --> 00:24:42,560
Speaker 4: able to qualify for a loan repayment, so we were like, oh,

489
00:24:42,640 --> 00:24:44,600
Speaker 4: let's just try to get rid of my loans because

490
00:24:44,640 --> 00:24:46,359
Speaker 4: we don't have that option for me.

491
00:24:47,240 --> 00:24:49,000
Speaker 2: So what do you mean loan repayment?

492
00:24:50,240 --> 00:24:54,800
Speaker 4: So she has the option and we haven't done this yet,

493
00:24:54,800 --> 00:24:58,320
Speaker 4: but she has the option at the end of I

494
00:24:58,320 --> 00:25:00,080
Speaker 4: think at the end of next year where she and

495
00:25:00,240 --> 00:25:03,159
Speaker 4: apply for loan repayment through her job in exchange for

496
00:25:03,240 --> 00:25:07,959
Speaker 4: two years of service to continue working in an underserved population.

497
00:25:09,359 --> 00:25:09,800
Speaker 3: See.

498
00:25:10,000 --> 00:25:12,760
Speaker 4: Yeah, so she has that as a nurse practitioner, whereas

499
00:25:12,920 --> 00:25:16,360
Speaker 4: I don't have any of those options as an occupational therapist.

500
00:25:16,359 --> 00:25:18,280
Speaker 3: So we decided to attack mine first.

501
00:25:18,600 --> 00:25:22,240
Speaker 2: Okay, all right, Yeah, A lot of people don't realize

502
00:25:22,240 --> 00:25:23,639
Speaker 2: I was going to ask when you said you were

503
00:25:23,680 --> 00:25:26,520
Speaker 2: a nurse, because nurses, I think, doctors, even teachers, there

504
00:25:26,520 --> 00:25:30,359
Speaker 2: are these lone loan repayment assistance programs you can look into.

505
00:25:30,400 --> 00:25:33,239
Speaker 2: So that's excellent that you found that. How much how

506
00:25:33,320 --> 00:25:36,720
Speaker 2: much are you able to get forgiven or repaid through

507
00:25:36,720 --> 00:25:38,240
Speaker 2: that program once you apply.

508
00:25:38,920 --> 00:25:43,879
Speaker 5: So for an exchange of two years as working as

509
00:25:43,880 --> 00:25:47,400
Speaker 5: a nurse, they could give you up to fifty thousand dollars. Wow,

510
00:25:47,640 --> 00:25:49,200
Speaker 5: which is fantastic.

511
00:25:50,000 --> 00:25:54,280
Speaker 4: Yes, And we we were speaking to our financial advisor,

512
00:25:54,440 --> 00:25:59,199
Speaker 4: and we have the option to have I guess the

513
00:25:59,240 --> 00:26:03,000
Speaker 4: government or these loan repayment programs pay off the remainder

514
00:26:03,080 --> 00:26:05,360
Speaker 4: of our loans, but it would take us six years

515
00:26:05,560 --> 00:26:09,160
Speaker 4: to do that because you know, fifty thousand and then

516
00:26:09,200 --> 00:26:11,200
Speaker 4: I think it's fifty thousand for the first two years,

517
00:26:11,200 --> 00:26:13,719
Speaker 4: and then it goes twenty thousand for the next two

518
00:26:13,840 --> 00:26:16,480
Speaker 4: years and then ten. So we have the option to

519
00:26:16,960 --> 00:26:18,679
Speaker 4: do the loan repayment, but we don't want to be

520
00:26:18,720 --> 00:26:19,680
Speaker 4: in debt that long.

521
00:26:20,600 --> 00:26:24,280
Speaker 1: No, we're ready to be done. Yeah, so you do

522
00:26:24,400 --> 00:26:26,520
Speaker 1: have just some debt left that you're still paying off.

523
00:26:26,920 --> 00:26:28,880
Speaker 3: Yes, have over one hundred thousand left.

524
00:26:29,200 --> 00:26:30,480
Speaker 1: Okay, just a little bit.

525
00:26:33,560 --> 00:26:34,760
Speaker 3: So okay there.

526
00:26:35,160 --> 00:26:36,760
Speaker 1: I was gonna say, so, what's your timeline? What do

527
00:26:36,800 --> 00:26:38,720
Speaker 1: you think how long do you think before you knock

528
00:26:38,760 --> 00:26:39,480
Speaker 1: it out totally.

529
00:26:40,200 --> 00:26:43,800
Speaker 4: We're hoping by the end of twenty nineteen that we

530
00:26:43,840 --> 00:26:48,520
Speaker 4: would be done, and that is if we apply for

531
00:26:48,600 --> 00:26:51,919
Speaker 4: the loan repayment, so they would just have to be

532
00:26:52,040 --> 00:26:55,160
Speaker 4: at her job for another two years starting next year.

533
00:26:56,680 --> 00:27:01,879
Speaker 1: Okay. Wow, you guys are goals like working together. So

534
00:27:02,000 --> 00:27:04,040
Speaker 1: you know that's my question because people ask me this,

535
00:27:04,680 --> 00:27:07,640
Speaker 1: how do you get on the same page financially with

536
00:27:07,680 --> 00:27:09,680
Speaker 1: your partner? How were you able to do so? Was

537
00:27:10,119 --> 00:27:11,840
Speaker 1: there somebody that took a little longer to get on

538
00:27:11,840 --> 00:27:14,719
Speaker 1: the same financial page or was it something that you know,

539
00:27:14,800 --> 00:27:18,199
Speaker 1: it was easy for you guys to come to a consensus.

540
00:27:17,960 --> 00:27:21,720
Speaker 5: So Leo, it wasn't easy for me to come to

541
00:27:21,920 --> 00:27:25,800
Speaker 5: an agreement with this. So Leo is the one that

542
00:27:25,920 --> 00:27:29,719
Speaker 5: is very determined. He gets a goal and he just

543
00:27:30,119 --> 00:27:33,080
Speaker 5: runs after it. Me, on the other hand, I am

544
00:27:33,160 --> 00:27:36,000
Speaker 5: not like that. And so when I saw how much

545
00:27:36,080 --> 00:27:39,560
Speaker 5: debt we were in, it just to me seemed impossible

546
00:27:39,680 --> 00:27:43,320
Speaker 5: for us to get out of. So I struggled with that.

547
00:27:43,520 --> 00:27:45,439
Speaker 5: But then I think that the thing that helped me

548
00:27:45,800 --> 00:27:49,639
Speaker 5: in that process is realizing that this is just a

549
00:27:49,720 --> 00:27:54,199
Speaker 5: temporary season, Like this isn't going to last forever, So

550
00:27:54,440 --> 00:27:57,880
Speaker 5: let's just sacrifice right now so that for the next

551
00:27:58,000 --> 00:28:00,760
Speaker 5: i don't know, maybe fifty years of our life, God willing,

552
00:28:00,920 --> 00:28:04,119
Speaker 5: we can live that debt free. So this is just

553
00:28:04,160 --> 00:28:06,800
Speaker 5: a season, and so we just have to sacrifice and

554
00:28:06,840 --> 00:28:08,920
Speaker 5: do everything that we can right now to get out

555
00:28:08,960 --> 00:28:09,200
Speaker 5: of it.

556
00:28:10,160 --> 00:28:14,360
Speaker 4: Yeah, and for our conversations that we had, you know,

557
00:28:15,240 --> 00:28:18,040
Speaker 4: we would dream about what we wanted life to be

558
00:28:18,200 --> 00:28:21,240
Speaker 4: like five years from now, ten years, three years from now,

559
00:28:21,520 --> 00:28:25,560
Speaker 4: and that helped us, you know, sacrifice the now for

560
00:28:25,800 --> 00:28:27,680
Speaker 4: what we wanted in the future.

561
00:28:27,840 --> 00:28:31,240
Speaker 3: And we knew what it was like to sacrifice in

562
00:28:31,359 --> 00:28:31,960
Speaker 3: order to go to.

563
00:28:31,920 --> 00:28:37,680
Speaker 4: School, So we had already experienced life in some capacity,

564
00:28:40,040 --> 00:28:42,960
Speaker 4: so hey, why not do it for a bigger goal.

565
00:28:42,960 --> 00:28:44,560
Speaker 3: Why not do it for our family? Why not do

566
00:28:44,600 --> 00:28:46,479
Speaker 3: it for generations after us?

567
00:28:46,720 --> 00:28:50,520
Speaker 4: So that's what really kept us motivated once we knew

568
00:28:50,520 --> 00:28:51,880
Speaker 4: what our why was.

569
00:28:52,360 --> 00:28:56,600
Speaker 1: So I love that that was smart. You guys are honestly,

570
00:28:56,600 --> 00:28:59,040
Speaker 1: you guys are really really inspiring. And I love that

571
00:28:59,040 --> 00:29:02,800
Speaker 1: that future dream helped you get on board Faith, because

572
00:29:02,800 --> 00:29:06,520
Speaker 1: it is hard sometimes for people to because it's hard.

573
00:29:06,520 --> 00:29:07,800
Speaker 1: You feel like you work hard and you don't want

574
00:29:07,800 --> 00:29:10,080
Speaker 1: to sacrifice your life away, but when you realize it's

575
00:29:10,120 --> 00:29:15,160
Speaker 1: not really an eternal sacrifice, it's just a temporary one, right, definitely,

576
00:29:15,160 --> 00:29:17,480
Speaker 1: And that's what helped me be able to get through it.

577
00:29:17,560 --> 00:29:21,320
Speaker 5: And then also having the visual helped me as well.

578
00:29:21,360 --> 00:29:22,320
Speaker 1: That we created.

579
00:29:22,640 --> 00:29:24,440
Speaker 3: Yeah, so we started off doing the.

580
00:29:26,160 --> 00:29:28,960
Speaker 4: We started off by doing the highest interest rate because

581
00:29:29,000 --> 00:29:33,560
Speaker 4: mathematically that made the most sense. But Faith wasn't really

582
00:29:33,600 --> 00:29:36,880
Speaker 4: a fan because most of our high interest rate that

583
00:29:37,240 --> 00:29:40,800
Speaker 4: was the highest amount and it would take us forever

584
00:29:41,000 --> 00:29:43,200
Speaker 4: to pay those off. But once we switched to the

585
00:29:43,280 --> 00:29:50,160
Speaker 4: debt snowball, she was a lot more forgiving and on

586
00:29:50,240 --> 00:29:53,160
Speaker 4: board when she was able to see us cross off,

587
00:29:53,520 --> 00:29:55,480
Speaker 4: you know, one or two loans every month.

588
00:29:55,840 --> 00:29:59,160
Speaker 2: Yeah, yeah, I mean that's why studies show the snowball works,

589
00:29:59,200 --> 00:30:02,440
Speaker 2: because it's all about that, like motivational, like the psychological

590
00:30:02,480 --> 00:30:05,240
Speaker 2: impact of a little small It's like when you whenever

591
00:30:05,280 --> 00:30:07,360
Speaker 2: I took a test in school, I always put my

592
00:30:07,440 --> 00:30:09,760
Speaker 2: name on the paper first because I was like, well,

593
00:30:09,840 --> 00:30:12,040
Speaker 2: I did that right, and then I'll move on to the.

594
00:30:12,000 --> 00:30:13,120
Speaker 1: Next, to the hard stuff.

595
00:30:14,320 --> 00:30:16,560
Speaker 2: I think it's yeah, I mean, it's really smart just

596
00:30:16,560 --> 00:30:19,560
Speaker 2: to I mean, and it also helps establish the rhythm

597
00:30:19,640 --> 00:30:22,120
Speaker 2: and the habits so that by the time you get

598
00:30:22,160 --> 00:30:24,160
Speaker 2: to the bigger debts, you guys are like, oh, we

599
00:30:24,240 --> 00:30:25,960
Speaker 2: know how to do this. It's just a little bit

600
00:30:25,960 --> 00:30:30,800
Speaker 2: more the what we were doing before. Yeah, what does

601
00:30:30,800 --> 00:30:32,480
Speaker 2: the future look like for you guys? I mean, I

602
00:30:32,480 --> 00:30:35,080
Speaker 2: think a lot of millennials today, I'm sorry for saying millennials,

603
00:30:35,120 --> 00:30:37,120
Speaker 2: I know, but people in their twenties and early thirties

604
00:30:37,360 --> 00:30:39,560
Speaker 2: who are in your shoes right so much debt it

605
00:30:39,560 --> 00:30:42,680
Speaker 2: can feel impossible, it can feel like a pipe dream.

606
00:30:42,760 --> 00:30:45,160
Speaker 2: Just even small things like starting a family or you know,

607
00:30:45,200 --> 00:30:50,240
Speaker 2: buying a house. Someday, talk about how your goals feel

608
00:30:50,240 --> 00:30:51,959
Speaker 2: to you now when you know you also have this,

609
00:30:52,240 --> 00:30:55,040
Speaker 2: you know, other one hundred thousand dollars hurdle in front

610
00:30:55,040 --> 00:30:55,760
Speaker 2: of you coming up.

611
00:30:56,760 --> 00:30:59,400
Speaker 5: So even though we still have the one hundred thousand

612
00:30:59,440 --> 00:31:03,200
Speaker 5: dollars left to know and to reflect back on the

613
00:31:03,240 --> 00:31:06,000
Speaker 5: past year, Like when you really think about it, this

614
00:31:06,120 --> 00:31:09,000
Speaker 5: year flew by and we were able to pay off

615
00:31:09,320 --> 00:31:11,640
Speaker 5: one hundred and four thousand dollars.

616
00:31:11,440 --> 00:31:13,680
Speaker 1: In twelve months. And so even though we.

617
00:31:13,640 --> 00:31:15,959
Speaker 5: Still have the next twelve months or the next one

618
00:31:16,040 --> 00:31:19,960
Speaker 5: hundred thousand dollars left, like, it seems extremely.

619
00:31:19,520 --> 00:31:20,760
Speaker 1: Doable to us.

620
00:31:21,240 --> 00:31:23,560
Speaker 5: And I mean our plans are we plan to start

621
00:31:23,600 --> 00:31:27,240
Speaker 5: a family soon in the near future, would be really nice.

622
00:31:28,720 --> 00:31:31,360
Speaker 5: What else do we plan on doing just vacationing. We're

623
00:31:31,400 --> 00:31:37,240
Speaker 5: going to Costa Rica, enjoying restaurants in Atlanta, and spending

624
00:31:37,280 --> 00:31:39,720
Speaker 5: more time with our friends. So we're just really looking

625
00:31:39,760 --> 00:31:44,040
Speaker 5: forward to the time that happens when we're debt free.

626
00:31:44,560 --> 00:31:48,360
Speaker 4: Yeah, and you know, we love to share our story because,

627
00:31:48,560 --> 00:31:52,160
Speaker 4: like you said, many people don't think it's possible to

628
00:31:52,200 --> 00:31:55,200
Speaker 4: pay off debt and that being in debt is normal.

629
00:31:55,840 --> 00:31:59,120
Speaker 4: And I don't know anyone who is okay with paying

630
00:31:59,200 --> 00:32:04,160
Speaker 4: double or triple what they bought or purchased. And that's

631
00:32:04,200 --> 00:32:05,840
Speaker 4: what we do when we stay in debt all of

632
00:32:05,880 --> 00:32:08,480
Speaker 4: our lives, like we're paying triple the price or the

633
00:32:08,560 --> 00:32:13,120
Speaker 4: value of our product. So we just want to encourage

634
00:32:14,000 --> 00:32:17,760
Speaker 4: folks to, you know, list their debt, see what it

635
00:32:17,880 --> 00:32:20,560
Speaker 4: is that they owe, and create a plan. It doesn't

636
00:32:20,600 --> 00:32:22,440
Speaker 4: have to be twelve months, it could be five years,

637
00:32:22,440 --> 00:32:26,280
Speaker 4: but if you have a plan, that's a start. So,

638
00:32:27,560 --> 00:32:31,320
Speaker 4: you know, I think about you know, our parents are

639
00:32:31,840 --> 00:32:35,280
Speaker 4: in their late fifties early sixties, and we want to

640
00:32:35,320 --> 00:32:37,640
Speaker 4: be in a position that, hey, if they weren't able

641
00:32:37,680 --> 00:32:40,320
Speaker 4: to take care of themselves, at least we've made the

642
00:32:40,400 --> 00:32:45,520
Speaker 4: decision to be in a better financial state in order

643
00:32:45,560 --> 00:32:47,760
Speaker 4: to take care of them. We want to be able

644
00:32:47,800 --> 00:32:52,280
Speaker 4: to say more yes is to our children than knows

645
00:32:52,320 --> 00:32:56,200
Speaker 4: just because we can't support them financially. So that's what

646
00:32:56,440 --> 00:33:00,280
Speaker 4: drives me and that's what keeps me going, and that's

647
00:33:00,280 --> 00:33:03,120
Speaker 4: what we're looking forward to in the future.

648
00:33:05,080 --> 00:33:07,440
Speaker 2: Were there any moments this year when you guys kind

649
00:33:07,440 --> 00:33:10,080
Speaker 2: of hit the wall and looking ahead to next year?

650
00:33:10,320 --> 00:33:12,520
Speaker 2: Will will you go at it as hard as you've

651
00:33:12,520 --> 00:33:14,360
Speaker 2: been going at it now? Because I know when you

652
00:33:14,360 --> 00:33:16,840
Speaker 2: and I spoke before you had talked about you know,

653
00:33:16,920 --> 00:33:19,320
Speaker 2: getting I mean it can be really really draining. This

654
00:33:19,400 --> 00:33:21,800
Speaker 2: is keeping pace like this, and it can start to

655
00:33:21,840 --> 00:33:24,680
Speaker 2: take a toll, you know, on you individually together as

656
00:33:24,720 --> 00:33:27,640
Speaker 2: a couple. Are there any lessons you've learned this year

657
00:33:27,680 --> 00:33:29,760
Speaker 2: that you might do things a little bit differently with

658
00:33:29,800 --> 00:33:31,200
Speaker 2: your approach coming up this year?

659
00:33:32,960 --> 00:33:40,320
Speaker 5: So I'm really tired, fair enough, been very tiring. So

660
00:33:41,280 --> 00:33:44,880
Speaker 5: I think that even though we spent a lot of

661
00:33:44,880 --> 00:33:47,760
Speaker 5: our time not seeing each other, the thing that helped

662
00:33:47,800 --> 00:33:52,120
Speaker 5: in our relationship with constant communication with one another. And

663
00:33:52,840 --> 00:33:56,360
Speaker 5: I felt like we grew in our relationship because it's

664
00:33:56,400 --> 00:33:58,880
Speaker 5: almost like we were forced to communicate. We had to

665
00:33:58,920 --> 00:34:02,200
Speaker 5: see how each other was doing, and that is what

666
00:34:02,320 --> 00:34:06,040
Speaker 5: helped us get through it. Realizing that I had a teammate,

667
00:34:06,160 --> 00:34:09,200
Speaker 5: someone that was there wanting to accomplish the same goal

668
00:34:09,200 --> 00:34:14,359
Speaker 5: as me helped so much. And then looking to next year,

669
00:34:15,600 --> 00:34:19,640
Speaker 5: I personally don't think I can continue as much as

670
00:34:19,680 --> 00:34:22,160
Speaker 5: I've been doing right now, Like I'm tired, So I'm

671
00:34:22,160 --> 00:34:25,799
Speaker 5: getting a break right now, and then hopefully we're going

672
00:34:25,880 --> 00:34:29,080
Speaker 5: to start back up again pretty soon, pretty soon.

673
00:34:30,040 --> 00:34:33,560
Speaker 2: When you say break, do you mean taking on less work.

674
00:34:33,960 --> 00:34:36,759
Speaker 5: Definitely less work. So I'm still, of course doing my

675
00:34:36,800 --> 00:34:41,480
Speaker 5: full time job, and I'm still doing some overnight shifts,

676
00:34:41,560 --> 00:34:44,160
Speaker 5: but definitely not as much as I was doing before,

677
00:34:44,239 --> 00:34:48,000
Speaker 5: because i was literally doing my full time job along

678
00:34:48,040 --> 00:34:51,879
Speaker 5: with like five to six overnight shifts each week, and

679
00:34:52,000 --> 00:34:55,520
Speaker 5: so now I'm probably doing maybe about one overnight shift

680
00:34:55,600 --> 00:35:00,440
Speaker 5: a week, which is a drastic change.

681
00:35:00,640 --> 00:35:03,600
Speaker 1: Well, I think a lot of people listening might say, Okay,

682
00:35:03,640 --> 00:35:06,520
Speaker 1: I'm in a similar position. Where do I start? Where

683
00:35:06,520 --> 00:35:09,919
Speaker 1: would you suggest, Like, if they're with someone and they're

684
00:35:09,960 --> 00:35:13,200
Speaker 1: married now, and they're just like, okay, we both want

685
00:35:13,200 --> 00:35:15,560
Speaker 1: to admit that we're really in debt and we're not

686
00:35:15,680 --> 00:35:17,640
Speaker 1: sure what's the first step. What should we do?

687
00:35:19,120 --> 00:35:24,960
Speaker 3: I would tell them to dream together? Okay. I think

688
00:35:26,440 --> 00:35:29,239
Speaker 3: going straight to the numbers may not be the best

689
00:35:29,360 --> 00:35:33,640
Speaker 3: way for some people. So talking about.

690
00:35:33,400 --> 00:35:36,040
Speaker 4: Where you want to be in the next three five years,

691
00:35:36,640 --> 00:35:38,400
Speaker 4: what do you want your life to look like?

692
00:35:39,760 --> 00:35:42,000
Speaker 3: And then once you guys come up with.

693
00:35:41,960 --> 00:35:48,400
Speaker 4: A common goal, write down how much you owe visually

694
00:35:48,560 --> 00:35:52,319
Speaker 4: seeing the amount of debt that you owe, what your

695
00:35:52,400 --> 00:35:56,360
Speaker 4: lending institutions are, what your interest rates are. I mean,

696
00:35:56,719 --> 00:36:01,840
Speaker 4: the government is hiking up the interest right quarterly, it

697
00:36:01,920 --> 00:36:06,480
Speaker 4: seems so writing down all of that information and having

698
00:36:06,520 --> 00:36:10,880
Speaker 4: a visual and creating a budget that lists your income

699
00:36:11,080 --> 00:36:16,600
Speaker 4: and your expenses and seeing where you can reduce some expenses,

700
00:36:17,000 --> 00:36:20,799
Speaker 4: either by cutting something off completely or just you know,

701
00:36:20,960 --> 00:36:26,320
Speaker 4: switching from a planet switching to a Planet Fitness membership

702
00:36:26,320 --> 00:36:27,680
Speaker 4: instead of La Fitness.

703
00:36:28,080 --> 00:36:31,399
Speaker 1: Yes, come to playing with that nine that's the planet.

704
00:36:36,239 --> 00:36:38,759
Speaker 1: That's awesome advice. Thank you guys so much. This has

705
00:36:38,800 --> 00:36:41,480
Speaker 1: been so like I mean, I wish I would have

706
00:36:41,520 --> 00:36:45,000
Speaker 1: when I first met Superman that's my nickname for my husband.

707
00:36:45,320 --> 00:36:47,360
Speaker 1: But now now he's on board. But in the beginning,

708
00:36:47,360 --> 00:36:49,640
Speaker 1: oh boy, it was like everybody's not a bunch of

709
00:36:49,719 --> 00:36:57,759
Speaker 1: nisani your book what he was, he was not impressed.

710
00:36:58,040 --> 00:37:01,160
Speaker 1: But what did help you, you know, to your point

711
00:37:01,239 --> 00:37:03,560
Speaker 1: Lee on face is that when we started talking about

712
00:37:03,560 --> 00:37:05,839
Speaker 1: the life that we wanted and we wanted to buy

713
00:37:05,840 --> 00:37:08,319
Speaker 1: a home and some other things. So once once he

714
00:37:08,480 --> 00:37:11,399
Speaker 1: saw that, you know that what we were working toward

715
00:37:11,520 --> 00:37:14,040
Speaker 1: was going to make that happen, especially when we started

716
00:37:14,040 --> 00:37:17,759
Speaker 1: home shopping, then he was like, Okay, I totally get it.

717
00:37:17,760 --> 00:37:19,280
Speaker 1: And now that we have a house, he's so excited

718
00:37:19,320 --> 00:37:22,440
Speaker 1: and we're closing on the second one for investment purposes.

719
00:37:22,480 --> 00:37:25,919
Speaker 1: And now that's why, yes, that's why when I said,

720
00:37:25,920 --> 00:37:27,680
Speaker 1: what do you want to do for our honeymoon? You

721
00:37:27,680 --> 00:37:29,080
Speaker 1: know you want to go on vacation or whatever. That's

722
00:37:29,080 --> 00:37:31,240
Speaker 1: why he was so quick to say no, I'm honestly,

723
00:37:31,560 --> 00:37:34,160
Speaker 1: I'm fine because now he's fully on board because he

724
00:37:34,160 --> 00:37:36,719
Speaker 1: can see the fruits of our labor. Right, that's great,

725
00:37:36,800 --> 00:37:37,120
Speaker 1: that's it.

726
00:37:37,800 --> 00:37:40,880
Speaker 4: And I don't you know, aside from you know, buying

727
00:37:42,320 --> 00:37:45,719
Speaker 4: an investment property cash and receiving all of the rent

728
00:37:45,719 --> 00:37:48,560
Speaker 4: to your pocket, I don't know anything in our case

729
00:37:49,320 --> 00:37:53,920
Speaker 4: that would have put you know, eleven hundred plus dollars

730
00:37:53,920 --> 00:37:56,800
Speaker 4: back in our pockets from paying off our one hundred

731
00:37:56,800 --> 00:37:59,520
Speaker 4: thousand dollars of debt in the last twelve months. So

732
00:38:00,040 --> 00:38:02,600
Speaker 4: when we look at how much was coming out of

733
00:38:02,640 --> 00:38:06,719
Speaker 4: our pockets and going straight to those lending institutions, it

734
00:38:06,800 --> 00:38:09,399
Speaker 4: gives me that much more motivation to be like, hey,

735
00:38:10,200 --> 00:38:14,040
Speaker 4: we can have twenty five hundred dollars a month remaining

736
00:38:14,040 --> 00:38:15,840
Speaker 4: in our pockets if we got rid of all of

737
00:38:15,840 --> 00:38:16,239
Speaker 4: our debts.

738
00:38:16,239 --> 00:38:18,279
Speaker 3: So we're just super excited.

739
00:38:20,280 --> 00:38:22,359
Speaker 2: Thank you all so much for coming on the show.

740
00:38:22,760 --> 00:38:25,719
Speaker 2: We'll be following your journey. Tell Us everyone. If you're

741
00:38:25,719 --> 00:38:27,320
Speaker 2: if you're gonna be, you're gonna be sharing your journey

742
00:38:27,320 --> 00:38:30,640
Speaker 2: on Instagram, right of course awesome whether you're what are

743
00:38:30,640 --> 00:38:32,759
Speaker 2: your Instagram handles so the folks can follow you if

744
00:38:32,760 --> 00:38:34,399
Speaker 2: they want to follow Leo?

745
00:38:34,480 --> 00:38:35,160
Speaker 1: What's yours?

746
00:38:35,200 --> 00:38:41,200
Speaker 3: Mine is Leo, that's L EO J dot.

747
00:38:41,360 --> 00:38:46,520
Speaker 5: L and mine is Faith Underscore Jasmine, which is J

748
00:38:46,719 --> 00:38:49,840
Speaker 5: A S M I N E and the number five.

749
00:38:51,480 --> 00:38:53,759
Speaker 2: You guys are too cute. I wish you both the

750
00:38:53,760 --> 00:38:58,479
Speaker 2: best newlywed gold. I mean, go for a nice dinner

751
00:38:58,520 --> 00:39:00,480
Speaker 2: for your for your anniversary coming up?

752
00:39:00,600 --> 00:39:01,080
Speaker 1: Right? Yes?

753
00:39:01,960 --> 00:39:05,480
Speaker 4: Are I sent Faith the menu and we're going to

754
00:39:05,520 --> 00:39:08,000
Speaker 4: a place that has sixty dollars staksa.

755
00:39:07,920 --> 00:39:15,240
Speaker 5: Faith on board with that, sixty dollars for stay justice

756
00:39:15,239 --> 00:39:18,799
Speaker 5: one time, Faith, It's one year Justice, one time, live

757
00:39:18,800 --> 00:39:19,920
Speaker 5: it up Faith, just this one.

758
00:39:19,760 --> 00:39:22,320
Speaker 1: Time, It's okay, this is one time. I give you

759
00:39:22,360 --> 00:39:44,760
Speaker 1: budget the permission. Wow. That honestly was such a great interview.

760
00:39:44,840 --> 00:39:48,879
Speaker 1: I feel like that even if you're not married, there's

761
00:39:48,920 --> 00:39:52,839
Speaker 1: just so many great takeaways of of what you can

762
00:39:52,920 --> 00:39:55,680
Speaker 1: learn from from both Faith and Leo. As My biggest

763
00:39:55,680 --> 00:39:59,120
Speaker 1: takeaway was that before you do like the tangible work

764
00:39:59,480 --> 00:40:02,480
Speaker 1: to really work on the emotional and mental work by

765
00:40:03,080 --> 00:40:05,160
Speaker 1: just dreaming about what life could be like, and that's

766
00:40:05,200 --> 00:40:07,000
Speaker 1: what's going to motivate you. What about you, Mandy? Would

767
00:40:07,000 --> 00:40:07,479
Speaker 1: you take away?

768
00:40:07,640 --> 00:40:09,880
Speaker 2: I love that they did pre maorital counseling, and they

769
00:40:09,920 --> 00:40:12,520
Speaker 2: did it through their church, which is really smart. Husband

770
00:40:12,560 --> 00:40:15,440
Speaker 2: and I did pre marital counseling too. We found we

771
00:40:15,520 --> 00:40:18,440
Speaker 2: just I mean, I think I just googled family therapists

772
00:40:18,480 --> 00:40:21,640
Speaker 2: pre mariital counselors in my city with my zip code

773
00:40:21,640 --> 00:40:24,520
Speaker 2: and just found, you know, a highly rated one. And

774
00:40:24,600 --> 00:40:26,560
Speaker 2: we did that for I think we had maybe four

775
00:40:26,640 --> 00:40:29,000
Speaker 2: or five sessions with our therapists before we got married,

776
00:40:29,000 --> 00:40:31,600
Speaker 2: which was helpful. It helped us just get in the

777
00:40:31,680 --> 00:40:34,800
Speaker 2: right headspace. We didn't have as huge of a financial burden,

778
00:40:34,840 --> 00:40:37,920
Speaker 2: but just like the act of sitting down with an

779
00:40:37,960 --> 00:40:41,600
Speaker 2: objective person and talking about how you are as a

780
00:40:41,640 --> 00:40:44,719
Speaker 2: couple and reminding yourselves that's really about the two of

781
00:40:44,760 --> 00:40:48,040
Speaker 2: you is helpful. So I love that they they did

782
00:40:48,040 --> 00:40:50,360
Speaker 2: that as a couple, because otherwise it didn't sound like

783
00:40:50,400 --> 00:40:53,200
Speaker 2: Faith was going to be too quick to want to

784
00:40:53,239 --> 00:40:56,360
Speaker 2: talk about her debt. So I wonder if they hadn't

785
00:40:56,400 --> 00:40:58,279
Speaker 2: done that, how they would have you know, we get

786
00:40:58,280 --> 00:41:01,280
Speaker 2: that question a lot. How do I how do I,

787
00:41:01,520 --> 00:41:03,759
Speaker 2: you know, get my spouse on board paying off debt?

788
00:41:03,800 --> 00:41:05,000
Speaker 2: And sometimes it's.

789
00:41:04,800 --> 00:41:06,120
Speaker 1: Hard for you to do it, right.

790
00:41:06,520 --> 00:41:08,720
Speaker 2: Yeah, it was hard for me to get my husband

791
00:41:08,920 --> 00:41:11,160
Speaker 2: to tell me his credit score or you know, talk

792
00:41:11,200 --> 00:41:13,279
Speaker 2: to me about his finances in the beginning. But once

793
00:41:13,320 --> 00:41:16,319
Speaker 2: we had like an objective third party person. He and

794
00:41:16,360 --> 00:41:18,760
Speaker 2: I did this even before we long before we got engaged,

795
00:41:18,800 --> 00:41:22,640
Speaker 2: did this like couples in finance one hour class that

796
00:41:22,760 --> 00:41:24,960
Speaker 2: was I don't know, like twenty bucks or something, and

797
00:41:25,000 --> 00:41:26,040
Speaker 2: that was a start for us.

798
00:41:26,040 --> 00:41:27,640
Speaker 1: It was a huge breakthrough.

799
00:41:27,560 --> 00:41:30,919
Speaker 2: Because it was someone but that wasn't me, that wasn't

800
00:41:30,920 --> 00:41:33,399
Speaker 2: so close to him to us, you know, asking those

801
00:41:33,400 --> 00:41:35,440
Speaker 2: types of questions, and that helped break the ice and

802
00:41:35,480 --> 00:41:36,320
Speaker 2: release set tension.

803
00:41:37,160 --> 00:41:39,960
Speaker 1: Well that's good. I mean we didn't do a prove

804
00:41:40,000 --> 00:41:43,520
Speaker 1: marital counseling, but that would have been helpful. I guess

805
00:41:43,560 --> 00:41:45,920
Speaker 1: it wasn't like I will say, though we like we

806
00:41:46,000 --> 00:41:48,000
Speaker 1: you know, we were together for a while, but we

807
00:41:48,040 --> 00:41:50,280
Speaker 1: didn't have a huge like as a relations to personal

808
00:41:50,280 --> 00:41:52,560
Speaker 1: finance because by the time we got married, we'd work

809
00:41:52,680 --> 00:41:55,719
Speaker 1: through a lot of like the financial differences we had

810
00:41:55,960 --> 00:41:59,799
Speaker 1: fake goodness. He didn't have Superman, didn't have any debt

811
00:42:00,360 --> 00:42:03,520
Speaker 1: that made it super easy. Quite honestly, it was just

812
00:42:03,520 --> 00:42:05,359
Speaker 1: some habits that I thought, like, you know, we could

813
00:42:05,360 --> 00:42:07,640
Speaker 1: do better as it relates to this, but he didn't

814
00:42:07,680 --> 00:42:09,799
Speaker 1: have Like you know, there was no credit card dead,

815
00:42:09,840 --> 00:42:11,800
Speaker 1: there was no student loan dead, there was no mortgage,

816
00:42:11,840 --> 00:42:15,120
Speaker 1: there was nothing. It was just like, m that's probably

817
00:42:15,120 --> 00:42:16,560
Speaker 1: not the best way to go about that, that kind

818
00:42:16,600 --> 00:42:20,799
Speaker 1: of thing. But now we're on the same track. So

819
00:42:21,480 --> 00:42:25,480
Speaker 1: I hope you guys enjoy today's episode. To me, it

820
00:42:25,520 --> 00:42:28,239
Speaker 1: was really inspiring and I hope the biggest thing you

821
00:42:28,280 --> 00:42:33,400
Speaker 1: took away was service and that if you can dream it,

822
00:42:33,440 --> 00:42:34,040
Speaker 1: you can do it.

823
00:42:35,440 --> 00:42:39,719
Speaker 2: If you can dream. Okay, R Kelly, we should take

824
00:42:39,760 --> 00:42:41,719
Speaker 2: back that song though. Can we just take back that

825
00:42:41,800 --> 00:42:44,320
Speaker 2: song without without giving him any kind of royalties?

826
00:42:44,880 --> 00:42:47,560
Speaker 1: I don't think so. I just I mean, it's such

827
00:42:47,560 --> 00:42:49,359
Speaker 1: a shame because it is a great song, but he

828
00:42:49,560 --> 00:42:52,759
Speaker 1: is the most terrible human being on the face of

829
00:42:52,800 --> 00:42:53,280
Speaker 1: the worst.

830
00:42:54,040 --> 00:42:55,719
Speaker 2: Yeah, well let's end on that note.

831
00:42:55,760 --> 00:42:56,280
Speaker 1: That's cool.

832
00:42:57,640 --> 00:42:59,560
Speaker 2: I like to bring it back to sexual predators at

833
00:42:59,560 --> 00:43:00,680
Speaker 2: the end of it, re show.

834
00:43:02,840 --> 00:43:04,400
Speaker 1: If that is not so bright a bit. She was

835
00:43:04,440 --> 00:43:07,239
Speaker 1: such a lovely time. We're like, oh yeah, let's bring

836
00:43:07,320 --> 00:43:10,440
Speaker 1: some terribleness up anyway, all right, mandra until next week.

837
00:43:10,760 --> 00:43:13,200
Speaker 2: I love wait love you, I love you.

838
00:43:14,880 --> 00:43:20,160
Speaker 1: I love you. I'm so tired. I'm like, oh you

839
00:43:20,160 --> 00:43:20,879
Speaker 1: didn't stay back.

840
00:43:20,960 --> 00:43:25,000
Speaker 5: Oh no, I'm fine.

841
00:43:25,080 --> 00:43:31,799
Speaker 1: Many