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Speaker 1: Welcome to We Talk Back Podcast, the production of iHeartRadio

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Speaker 1: and the Black Effect Network. We're just two unapologetically black

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Speaker 1: women with an opinion who talks. What's up, y'all? Is

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Speaker 1: your girl a j holiday? What's up, Tam Bam? Y'all,

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Speaker 1: it's me Tam Bam. I love y'all so much and

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Speaker 1: I missed y'all again. Welcome back, hey, AJ. How was

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Speaker 1: your weekend? Y'all know it's Valentines right this past weekend,

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Speaker 1: and my weekend was filled with love. Okay, my bood

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Speaker 1: things in town. I'm sad now because he's gone, all right,

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Speaker 1: so I get a chance to miss him. But bitch,

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Speaker 1: this motherfucker took me on a shopping spree to TJ

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Speaker 1: Maxim Marshalls. Throw it in the bag okay, and like

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Speaker 1: I'm on and they try to be like, bitch, I

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Speaker 1: don't need nothing for real. Anytime I even shop in

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Speaker 1: them stories by myself, I be just getting shipped. I

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Speaker 1: don't need to now I got more ship I don't

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Speaker 1: really need, but I want. So that was nice. That

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Speaker 1: was very nice weekend. He knew, he knew exactly what

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Speaker 1: to do. Mm hm. So I made a nigga crabbing

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Speaker 1: a bag on Saturday. So we ate dinner at the

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Speaker 1: house and I sucked dick. Yeah, we had a good

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Speaker 1: time together. I really enjoyed his company. Man. Yeah, I

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Speaker 1: hate when he leaves. I had as well. Yeah, that's

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Speaker 1: what I want to hear about Benching. What she was

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Speaker 1: doing with the new book. I got a Rolex. Look

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Speaker 1: at her, she's stepping a banana down her throat. Y'all

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Speaker 1: what you got a Rolex? I got a Rolex. I

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Speaker 1: got a new role. I had that oh ship. And

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Speaker 1: you know, so me and the guy that I'm seeing

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Speaker 1: right now, we just started dating in genuine you know,

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Speaker 1: it's new period. I got seven dozen roses, not from now.

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Speaker 1: I got two dozen from him. I got so many roses.

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Speaker 1: It's so crazy, how when you got somebody, all these

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Speaker 1: other people from the past, just the way you just

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Speaker 1: got random roses in to you. It's it's two dozen roses.

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Speaker 1: I still don't know where they came from. Hmmm. So

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Speaker 1: two dozen came to my mother's house, mm hmm. Then

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Speaker 1: three dozen came to the salon, and then my boat,

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Speaker 1: my boot got me two dozen. So I guess if

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Speaker 1: they came to your moms, you can kind and try

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Speaker 1: to narrow down. Yeah, it's out of two or three

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Speaker 1: people that knows where my mom lives. You gotta be

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Speaker 1: glad that you don't listen to this shit, right, you

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Speaker 1: don't listen. But it's okay, Like we just you know,

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Speaker 1: we just started. Yeah, but sometimes men just be holding

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Speaker 1: shit against us that we really can't even control. I

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Speaker 1: can't control that. I was not into him, none of

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Speaker 1: that stuff. And we love the flowers. I mean, I

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Speaker 1: got them all scattered all around the place, like, thank

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Speaker 1: you so much, whoever you are. Some of them. I

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Speaker 1: know who they came from, and I did say thank you.

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Speaker 1: But the past is the past, you know. So it's

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Speaker 1: so weird getting text messages from niggas who just assume

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Speaker 1: you by yourself a Valentine exactly? Are you? Well? You

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Speaker 1: know who I am. It's weird like or even like

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Speaker 1: trying to hit you up on the day after Valentine's Like,

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Speaker 1: I have not told you my life, and if I guess,

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Speaker 1: if you don't listen to the show, you really don't

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Speaker 1: know what I got going on in life. But the assumption,

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Speaker 1: the audacity, get off my fucking line. Period. One guy

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Speaker 1: was in my DMS talking about he want to take

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Speaker 1: me to Porto part whatever is calling Mexico Porto something.

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Speaker 1: And I was like, he said, we gonna on and

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Speaker 1: I was like, who who we who friends to me?

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Speaker 1: He's talking about me and you, I said, My man

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Speaker 1: was not like that. Yeah, okay, this is the season

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Speaker 1: of my man and he's gonna send me the salute emoji. Nigga, Yeah,

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Speaker 1: get out, get out here. Besides, I get my chan

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Speaker 1: done in thirty days when I get that, no old

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Speaker 1: chids on the new chees, no old balls on the

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Speaker 1: new chin, new chen? Who is no chin? Who is

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Speaker 1: the fuck? I don't know what you're talking about. All right,

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Speaker 1: let's get this. It's Black Black History Month. Yes, we

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Speaker 1: gotta do a baddie who talks that? Yeah, let's so

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Speaker 1: let's get into it, y'all. So my god daughter messaged

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Speaker 1: me last night and asked me if I I knew

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Speaker 1: an eight L Grant Harris, and I'm like, yeah, that

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Speaker 1: is my stepdad's sister in law. What's up? And she

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Speaker 1: was also the school resource officer when I was in

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Speaker 1: high school. So apparently her daughter, which is a little girl,

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Speaker 1: she's like seven. I don't know what they're doing for school,

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Speaker 1: but she was assigned eight L Grant Harris. So she's

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Speaker 1: actually a local celebrity that I didn't realize until last night.

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Speaker 1: Essentially right, oh today, I'll be honest, But yeah, she

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Speaker 1: was a school resource officer when I was in high school,

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Speaker 1: and she actually took me to jail ones in the

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Speaker 1: ninth grade, in the ninth grade, for beating a bitch up. Okay,

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Speaker 1: I mean first period, my ass is going to jail.

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Speaker 1: But y'all the person I beat up, I'm in ninth grade,

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Speaker 1: So how old are you? Ninth grade? What's fourteen? The

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Speaker 1: girl who I fought was eighteen on work release from

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Speaker 1: prison already, so she would get out of jail on

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Speaker 1: the weekday for school, and then she'd had to turn

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Speaker 1: herself in on Fridays to go back to jail. So

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Speaker 1: y'all just imagine the type bitch I was having a fight, right,

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Speaker 1: Why was she still in high school? A real lose

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Speaker 1: who knows a real loser. I got to worry about

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Speaker 1: this hole. But yeah, I got taken to jail and

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Speaker 1: she claimed I killed her baby. All type of shit. Girl.

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Speaker 1: It was a mess, fake fake pregnant around the school.

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Speaker 1: But anyway, this week's baddie who talks back. I know

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Speaker 1: her personally. She is my stepdad's sister in law. Her

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Speaker 1: name is adel Grant Harris, and she was hired September ninth,

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Speaker 1: nineteen seventy two, by the Charleston County Police Department as

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Speaker 1: the first black female officer in the whole state period. Okay,

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Speaker 1: so that's a super batty that talks back. And I

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Speaker 1: know she was not playing at school because imagine what

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Speaker 1: that must have been like in nineteen seventy two. This

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Speaker 1: is South Carolina. This is not only South Carolina, this

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Speaker 1: is Charlie, South Caroline, exactly. And you and being a

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Speaker 1: police I imagine even today, being a female police officer

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Speaker 1: is difficult, and then being a black female police officer

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Speaker 1: is difficult. And then you add Charleston, South Carolina, and

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Speaker 1: you ad nineteen seventy two, girl, you are exactly superhero. Okay, exactly,

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Speaker 1: So we're talking five decades ago, Charleston County Police Department

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Speaker 1: made history by hiring the first black woman police officer

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Speaker 1: in the state of South Carolina. She was a black

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Speaker 1: woman named adel Grant Harris. Harris worked for the police

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Speaker 1: department for thirty six years before retiring in two thousand

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Speaker 1: and eight. Harris and another black woman named Marilyn Wallace,

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Speaker 1: along with two white women, Lorraine so Light and Brenda

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Speaker 1: Newall were all hired on the same day. Y'all know

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Speaker 1: they can't never just give us some shit bars, So okay,

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Speaker 1: we got stragglers coming along. But after taking a test

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Speaker 1: and passing a background check, Chief John Conroy of Charleston

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Speaker 1: County Police Department hired Harris along with the three others

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Speaker 1: in September excuse me, on September ninth, nineteen seventy two.

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Speaker 1: Harris is the only one of the four to have

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Speaker 1: survived the challenges and made law enforcement a career. And

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Speaker 1: then she had to be in high school with you,

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Speaker 1: young know that she retired shortly after that, right, So

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Speaker 1: that was the latter part of her career in the

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Speaker 1: Charleston County Police Department. Like having to deal with your

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Speaker 1: ratchet asses, young ratchets. Yes, well, we salute you, absolutely, yeah,

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Speaker 1: sweet lady, are we're going to go to commercial when

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Speaker 1: we get back. We'll get into sins all right, and

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Speaker 1: we're back, so let's do it on the docket. Federal

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Speaker 1: judge has ruled that has ruled that little Dirk lyrics, interviews,

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Speaker 1: Instagram post commons, and text messages can be used against

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Speaker 1: him in court. That's a big can be used. Didn't

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Speaker 1: young thug just kind of get off on his shit

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Speaker 1: because they threw out like the lyrics and all that stuff. Damn,

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Speaker 1: he's fucked up by text messages. Yeah, they'll get you

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Speaker 1: every time. The dougie. They about to do the dougie

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Speaker 1: to him. And bathroom because y'all he cut his hair

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Speaker 1: off and he got a beer. He looked fine. He

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Speaker 1: looked like big dirt in jail. No, he definitely looked

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Speaker 1: like he looks healthy. Yeah, I'll say that. So Low

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Speaker 1: Dirk has been denied his latest motion to prevent his music, lyrics, interviews,

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Speaker 1: Instagram post comments, and text messages from being used at trial.

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Speaker 1: According to court documents, although the judge granted a small

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Speaker 1: part of his motion, most of his material will still

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Speaker 1: be used against him in his murder for higher case.

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Speaker 1: That is very unfortunate because that, I mean, how do

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Speaker 1: you you can't I mean you could say lyrics are

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Speaker 1: just entertainment, right, but conversations you don't know how long

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Speaker 1: these people when the fats come pick you up. They

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Speaker 1: they got a case and they don't want money, they

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Speaker 1: want information. Who's given the cuts? Ince yaill? Like, I

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Speaker 1: really admired girl. Your ass is crazy? Lineup clean. No,

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Speaker 1: he looks nice, healthy, like a nice young man. Why

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Speaker 1: did I think he didn't have face tattoos? I guess not.

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Speaker 1: He didn't have facial hair. I don't remember him having

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Speaker 1: facial hair. No, he definitely used to have like the

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Speaker 1: five o'clock shadow, but he would shave it so you

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Speaker 1: could tell he could get a beard. He just to

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Speaker 1: shave it. I don't know. Maybe he wanted to look younger.

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Speaker 1: I don't know, but he he'd looking fine in this picture.

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Speaker 1: But another dick in the dirty man it's not looking unfortunate,

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Speaker 1: like you know, there's some type of loophole like young

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Speaker 1: Thug got out of. You know, yeah, young Thug cooperated,

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Speaker 1: okay on the back end. You know, they tried to

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Speaker 1: say that that it wasna gunna, but it was him

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Speaker 1: that was cooperating. Because there are some people in that

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Speaker 1: case that went to jail. There are some other co

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Speaker 1: defendants that went to prison, but you know, young Thug

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Speaker 1: just wasn't one of them because he cooperated essentially. So,

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Speaker 1: I mean, Dirk is supposed to be like the general

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Speaker 1: of whatever organization they have going on. And and I

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Speaker 1: believe he had already gotten off a murder case in

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Speaker 1: Atlanta already and pretty much blamed it on what's what's

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Speaker 1: the one who who got murdered? There's so many, I know, y'all,

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Speaker 1: the one with the dreads. He pretty much blamed all

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Speaker 1: of his all of his killings, I would say on

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Speaker 1: that guy once he died. I don't know, they all

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Speaker 1: owd demons. I'm sorry, I'm sorry, Like I just you know,

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Speaker 1: I commented on something this past weekend. It was like

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Speaker 1: a bunch of niggas like in the cameras thirty year

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Speaker 1: and it's the guy who was doing like the what

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Speaker 1: do they call it a stitch? He was down, you know,

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Speaker 1: he was like this, these niggas is a problem, Like

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Speaker 1: y'all have y'all having kids, Like look look at y'all

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Speaker 1: like over thirty out here wild like this, like you

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Speaker 1: just look stupid. And I commented, and I said, this

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Speaker 1: is actually what anti semitic looks like, right. Black on

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Speaker 1: black crime is anti semitic. Us killing each other is

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Speaker 1: anti Semitic. They don't have nothing to do with anybody else.

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Speaker 1: If you really know who you are as the people

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Speaker 1: of this fucking planet. The things that we do to

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Speaker 1: each other is disgusting, you know what I'm saying. So

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Speaker 1: we cannot keep glorifying just bad behavior in our community.

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Speaker 1: Some people need to be in jail. But we didn't

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Speaker 1: be like anti black instead of Semitic, because ain't that

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Speaker 1: like Hebrew? Yeah, and I believe that we are the

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Speaker 1: true Hebrews, exactly what I'm saying. So yeah, the person

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Speaker 1: commented back and said something about account and Bill. I'm like,

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Speaker 1: obviously you you are misunderstanding what it is that I'm saying. Yeah,

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Speaker 1: you know, so when we speak on that other community

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Speaker 1: that we're not being anti Semitic because we are the

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Speaker 1: true Hebrews. So when we, you know, do commit violence

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Speaker 1: against each other, to me like that, that is what

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Speaker 1: that's really anti Semitic. Yeah, I can feel that. Yeah,

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Speaker 1: lost trap of Judah and all mm hmm. Yeah, we

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Speaker 1: just they don't nobody got to do nothing else no more.

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Speaker 1: We're doing it to ourselves. So it's unfortunate. But you know, prayer,

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Speaker 1: prayers up for whatever God want to assist. Uh a

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Speaker 1: little dirk in this time. All right, So moving on

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Speaker 1: to the next thing on the doctor. That's life. Niggas

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Speaker 1: go to jail and move on every day. What happens

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Speaker 1: all right? Cardi B is making some changes to her

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Speaker 1: look after wrapping up her little drama tour. There's a

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Speaker 1: backstage clip from her sould out stop at the Kia Form,

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Speaker 1: Cardi chats with Kilani and others, admitting she'll be removing

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Speaker 1: some of her butt enhancements this year. When Kalani comments,

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Speaker 1: you have so much ass. That was the most ass

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Speaker 1: I've ever seen, Cardi respond, After this tour, I'm taking

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Speaker 1: some out, she asks, After this tour, I don't want

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Speaker 1: to hear nobody for three months. I'm going to Columbia.

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Speaker 1: Nobody hit me up, nobody know nothing. I'm taking this

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Speaker 1: ass out. That's probably heavy as fuck. On that stage,

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Speaker 1: all that moving and dancing around. She gotta climbing the

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Speaker 1: fairs and stuff. You saw the one She was like security,

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Speaker 1: make sure y'all have my ass by pumping their back

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Speaker 1: when I get back. It's too much for her small frame,

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Speaker 1: I'm sure, especially if you weren't born with it. You

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Speaker 1: know what I'm saying. You just adding all this in

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Speaker 1: your body. Gotta adjust for it. I'm pretty sure it's

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Speaker 1: been uncomfortable and it's not appealing. Yeah, I'm glad that

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Speaker 1: that shit is over with, though, I'm glad like the

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Speaker 1: what what type of I don't know if people think

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Speaker 1: about this, but imagine, y'all a lot of fad a

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Speaker 1: fad a phase to entice you to alter your body

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Speaker 1: for some people forever, you know, cause you might not

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Speaker 1: have Cardi B money to actually get some good reconstructive

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Speaker 1: surgery because I think she has like butt shots not

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Speaker 1: necessary like the fat transfers, which usually the more natural,

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Speaker 1: you know. No, she probably going to Columbia because she

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Speaker 1: need good reconstructive surgery. Cardi B has had this ass

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Speaker 1: for a long time, way before the fat transfer was

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Speaker 1: a thing. This is definitely butt shots. So just think

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Speaker 1: about people like ky Michelle, how she had to and

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Speaker 1: she almost got like first of all, I heard taking

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Speaker 1: it out is a scary danger. I'm definitely going to

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Speaker 1: get my chin done. No, I don't care. Yeah, but

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Speaker 1: that is not the same as put in like a

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Speaker 1: foreign matter into your body. And I'm not even going

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Speaker 1: to sleep. It's real quick mm hmmm. Because even with

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Speaker 1: the fat transfers, I have a little cousin who did

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Speaker 1: fat transfer and her ship her body her butt area

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Speaker 1: rejected the fat, her own fat, and she and it

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Speaker 1: caused infection and she ended up with like an abscess

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Speaker 1: and like a hole that they had the stuff with

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Speaker 1: gods and ship until it healed, and she still went

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Speaker 1: back and got this ship again. That's our manager. That

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Speaker 1: like that, that's one of the scariest ones. So that's

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Speaker 1: why I'm kind of glad, Like the the bbls are

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Speaker 1: slowing down now, like people aren't just getting them as much.

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Speaker 1: And then a lot of them like something about where

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Speaker 1: the butts touched it that they ain't they ain't perfected

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Speaker 1: that part yet, Yeah, because it's supposed to be like

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Speaker 1: a nice little transition and if it's not like a

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Speaker 1: woman body naturally we have they call them hip tips,

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Speaker 1: but you know, that's just how we were shaped. And

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Speaker 1: there's nothing you could do about it either, right, So

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Speaker 1: then you have like some women go get the BBL

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Speaker 1: and like the whole shit is just rounded out, so

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Speaker 1: that goes straight. I don't know about perfect, but it

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Speaker 1: goes straight from ass, I mean from the back to ass,

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Speaker 1: like in between these little sticks legs like it don't

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Speaker 1: some of them do come out good like Bernicee. Yeah,

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Speaker 1: that's yeah, great, yes, because those are like skinny bbl's

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Speaker 1: kind of right. And then they also make sure they

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Speaker 1: stay working out to make sure it stays in shape,

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Speaker 1: because I mean, the older you get, whether it's a

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Speaker 1: real ass or a fake, it's gonna drop. Okay for

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Speaker 1: me personally, I ain't never wanted to be thicker like

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Speaker 1: I've had. I've been struggling to get skinny my whole life,

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Speaker 1: so I don't understand why I bitch just wanted to

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Speaker 1: get thick in the first place. Like keep your keep

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Speaker 1: your low slim body and uh, have a baby, just

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Speaker 1: get grown, grow up. Your body will change. Look, give

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Speaker 1: it time. Fine slim thick, amazing slim thick. I'm fight

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Speaker 1: every day for my life. I'm trying to cardon b

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Speaker 1: going to Columbia. Just suck it out. I'm tired as

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Speaker 1: bad as not talking about Ozic. I might get on

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Speaker 1: that too, I don't know, because I ain't fucking with that.

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Speaker 1: And my sister I'd be talking shit to her all

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Speaker 1: the time because she's slimming. Sound now, I'm like, you

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Speaker 1: cheat it though, Yeah, you cheat it? Who cares though?

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Speaker 1: Like that's how I care. It matters, bitch. I'm not

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Speaker 1: doing no Ozmpic because I feel like whatever is an

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Speaker 1: Ozmpic is the ship that they was trying to catch

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Speaker 1: everybody with the coolvid shot. But they don't throw that

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Speaker 1: shit in no Ozempic to catch it. They know bitches

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Speaker 1: don't want to be fat. So there going through the

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Speaker 1: other ingredients and Olympic and see we can get because

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Speaker 1: there's a lot of lawsuits out there right now with Olympics.

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Speaker 1: Be very careful. Pincreatic issues, pinkreiss issues, kidney issues, stomach issues,

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Speaker 1: that's the biggest one. Yeah. I went and got my started,

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Speaker 1: my klonic's back. I got a kalonic at seven o'clock

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Speaker 1: in the morning. Yeah, like, just you got a detox

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Speaker 1: to start to kick the diet off properly. I guess.

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Speaker 1: I don't know. I just need the food noise to stop.

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Speaker 1: We fat together, girl, I don't want to be fat

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Speaker 1: no more. I was so good last year, Like I

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Speaker 1: did so good. It's just do it again. When you

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Speaker 1: put your mind to you be you be executing, so

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Speaker 1: you could do it again. It's just trying to put

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Speaker 1: my mind to it. I just want to but Okay,

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Speaker 1: what else happened? Clifton, Cliff and Powell? What is this

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Speaker 1: some type of round table talk Black Men Trust Black

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Speaker 1: Women presented by Sister Song Underscore w c SO. Clifton, Yeah,

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Speaker 1: Clifton Powell. You know the actor Clifton Power. What he

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Speaker 1: played like a Friday Afternex Pinky the Pimp, Yeah, Pinky. Yeah,

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Speaker 1: that's the most people can He is so small in

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Speaker 1: real life. I've seen him in La once and I'm like,

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Speaker 1: I thought this man was a tall man. He's not

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Speaker 1: a lot of them niggas be little for real. Yeah,

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Speaker 1: I mean he was taller than me, but I don't

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Speaker 1: know why. I thought he was, like, you know, six

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Speaker 1: foot plus, but he isn't definitely under six foot. But anyway,

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Speaker 1: he says that, you know, he's sixty nine years old

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Speaker 1: and he's just now learning how to love at sixty nine,

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Speaker 1: What do you think about that? Like, you're halfway out

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Speaker 1: of here, sir, halfway copy right? He passed mid life

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Speaker 1: prices like you out of here right, seventy years old?

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Speaker 1: What is scary? You know? It is? Mm hmm it

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Speaker 1: is so. It says Clifton Share that his mother died

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Speaker 1: when he was four and his father father was very violent.

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Speaker 1: He has since moved on from his ex wife, Kimberly,

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Speaker 1: and in this new relationship he describes in this clip,

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Speaker 1: oh excuse me, And in this new relationship he describes

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Speaker 1: so Back in September, he shared with the Art of

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Speaker 1: Dialogue podcast that marriage was his biggest mistake because he

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Speaker 1: couldn't build his career while maintaining a successful relationship, resulting

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Speaker 1: in infidelity on his part. Listen, oh, you got time

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Speaker 1: to fuck. But my ex boyfriend, Mama used to say

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Speaker 1: to me, and this is when I was a teenage

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Speaker 1: girl like that. These men don't act right to their pencil,

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Speaker 1: can't write no more. Mm hm, that's what she said.

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Speaker 1: And he's kind of proving that to be true because

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Speaker 1: I'm sure his pencil don't act right as good as

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Speaker 1: it was when he was building his career, you know.

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Speaker 1: And now he's talking about he's just learning how to love. Yeah,

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Speaker 1: because now all you got is love. You ain't got

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Speaker 1: dick no more. So now you a hospice husband, you're

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Speaker 1: looking for a wife to take care of you. I

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Speaker 1: would like to know how old the woman is that

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Speaker 1: he's he's now dating, who he's you know now in

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Speaker 1: a relationship with I'm pretty she's probably about ten ten

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Speaker 1: fifteen years younger than him. He still looks pretty healthy,

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Speaker 1: he did. They look like they got to argue. I

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Speaker 1: don't know. I didn't want. As matter of fact, maybe

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00:22:16,480 --> 00:22:19,520
Speaker 1: we should have watched this, and maybe I will so

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Speaker 1: I could have a better take on what's transpiring. But

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Speaker 1: I get kind of triggered by that, right, you know, like,

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Speaker 1: I'm pretty sure Kimberly his ex wife is probably an

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Speaker 1: amazing woman. And you know, nothing is ever enough when

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Speaker 1: niggas dick still work, like you want to make sure

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Speaker 1: you can't fuck everybody you can't. And the thing is

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Speaker 1: is that when people are chasing success men in particular,

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Speaker 1: the woman that you have in your life. Yes, the

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Speaker 1: relationships can make a break you. But that thing that

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Speaker 1: you think you have to, like that level you think

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Speaker 1: you're going to get to before you start the family,

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00:23:03,080 --> 00:23:06,040
Speaker 1: before you get married, y'all don't realize that the right

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Speaker 1: woman brings all that shit to fruition like we had.

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Speaker 1: Like I think this is my belief that men access

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Speaker 1: these things through women. We are the creators, we have

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Speaker 1: that creative energy. I think even the most successful man

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00:23:21,960 --> 00:23:25,280
Speaker 1: you can find some woman that looks beat down, downtrodden

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00:23:25,359 --> 00:23:31,159
Speaker 1: somewhere whose energy he's probably dreamed, you know. Okay, because

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00:23:31,200 --> 00:23:33,440
Speaker 1: we are to conduit to all these things. So the

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Speaker 1: sooner you realize that finding a wife is really finding

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Speaker 1: a good thing, you'll be better off. Man. You're chasing

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Speaker 1: the bag. Women come with the bag in that literally

387
00:23:45,440 --> 00:23:51,200
Speaker 1: figuratively that part at this point, get y'all, get y'all

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Speaker 1: a motherfucking wife and quit plane period here. It's a

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00:23:54,800 --> 00:23:57,640
Speaker 1: good thing. When we were talking about Ma and your wife,

390
00:23:58,080 --> 00:24:00,920
Speaker 1: get you a house. That's what you need to do

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Speaker 1: first before you get your wife. And that's what we're

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Speaker 1: going to talk about this week, home ownership and what

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Speaker 1: that looks like in America. See y'all stay tuned. We'll

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Speaker 1: be right back this week. We are talking about the

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Speaker 1: American dream? Are we put it on layway nowadays? Like

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00:24:21,520 --> 00:24:23,919
Speaker 1: still even a real thing? What is the current cost

397
00:24:24,800 --> 00:24:28,159
Speaker 1: of the American dream? Right? Okay? So today we have

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Speaker 1: a very lovely guest. She is the best real tour

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Speaker 1: in North Carolina. Where else you licensed death South Carolina,

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Speaker 1: North Carolina and South Carolina. Miss Jackie Woodier Okay, slash goodyear. Okay,

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00:24:41,880 --> 00:24:46,040
Speaker 1: We talked back. Yes, how you doing, Jackie, I'm doing great.

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Speaker 1: I'm so happy to be here.

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Speaker 2: But yeah, you know, oh my girls tell me ask

404
00:24:50,240 --> 00:24:52,680
Speaker 2: me to be here, so I am happy to show

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Speaker 2: up for you.

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Speaker 1: Girl. It's been a long time because I actually how

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00:24:55,400 --> 00:24:57,960
Speaker 1: many months ago this was, Like it's been We've gone

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00:24:57,960 --> 00:25:02,159
Speaker 1: through injuries and kind of back and forth from LA

409
00:25:02,359 --> 00:25:04,920
Speaker 1: and injuries, and yes, it's been a long time coming,

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Speaker 1: but I'm happy. Like the first time I asked you

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Speaker 1: to come on out, did I break my foot? Was it? Yes? Yes? Yes?

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00:25:11,720 --> 00:25:15,080
Speaker 1: And then I circle back again months later, and then

413
00:25:15,400 --> 00:25:20,680
Speaker 1: something else happened. Sid you got sick? Ye, it's real. Yeah, no, no,

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Speaker 1: I saw the boot. I saw the boot. Ladies and gentlemen,

415
00:25:25,040 --> 00:25:27,080
Speaker 1: I saw the boot. I know. I saw the blimp.

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Speaker 1: So you're here, and we're going to to have you

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00:25:32,320 --> 00:25:34,600
Speaker 1: and we're going to talk all things houses in real

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Speaker 1: estate and black women, and was one of.

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Speaker 2: My favorite subjects is houses, of course, but most importantly

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Speaker 2: black women.

421
00:25:42,040 --> 00:25:44,600
Speaker 1: So let's first start with how you got into real estate.

422
00:25:45,520 --> 00:25:48,600
Speaker 2: Yeah, so I started back in twenty eighteen. I was

423
00:25:48,640 --> 00:25:51,400
Speaker 2: flipping homes, so I was kind of doing my own

424
00:25:51,440 --> 00:25:52,400
Speaker 2: investment in real estate.

425
00:25:52,440 --> 00:25:53,639
Speaker 1: Investment. I bought my own.

426
00:25:53,520 --> 00:25:58,400
Speaker 2: Little man deals, like very contra very small, just for myself,

427
00:25:58,480 --> 00:26:01,400
Speaker 2: you know what I mean, like really really small projects.

428
00:26:01,440 --> 00:26:04,840
Speaker 2: So I'm from the woods, you know, and out there

429
00:26:04,880 --> 00:26:07,680
Speaker 2: you can you used to be able to find really

430
00:26:07,960 --> 00:26:10,520
Speaker 2: really you know, deals that you can put a little

431
00:26:10,520 --> 00:26:12,520
Speaker 2: bit of money into and flip them and make some

432
00:26:12,560 --> 00:26:13,080
Speaker 2: money back.

433
00:26:14,080 --> 00:26:17,520
Speaker 1: This was twenty eighteen, before you know, COVID and everything.

434
00:26:17,560 --> 00:26:20,240
Speaker 2: And I bought my own home then too, and bought

435
00:26:20,280 --> 00:26:21,560
Speaker 2: and sold a couple of properties.

436
00:26:21,560 --> 00:26:23,720
Speaker 1: And then I decided, you know what, I want.

437
00:26:23,640 --> 00:26:26,480
Speaker 2: To get out of the corporate America and get into

438
00:26:26,480 --> 00:26:30,359
Speaker 2: my entrepreneurship journey. So I think it was twenty twenty

439
00:26:30,520 --> 00:26:32,320
Speaker 2: two or twenty twenty three I went and got my

440
00:26:32,359 --> 00:26:35,160
Speaker 2: license and I've been working as a realtor ever since.

441
00:26:35,960 --> 00:26:38,000
Speaker 1: Is it how's the market though? Is it good? Is

442
00:26:38,040 --> 00:26:42,000
Speaker 1: it booming in Charlotte? I mean yeah, so the market

443
00:26:42,320 --> 00:26:46,720
Speaker 1: is what it is. Right. If you can, then you can,

444
00:26:46,760 --> 00:26:48,680
Speaker 1: If you can't, then you can. And that's never really

445
00:26:48,680 --> 00:26:49,960
Speaker 1: been any different, you know.

446
00:26:50,400 --> 00:26:54,080
Speaker 2: I think like we got this false sense of like

447
00:26:54,160 --> 00:26:57,320
Speaker 2: what real estate could be during COVID when we had

448
00:26:57,320 --> 00:27:01,800
Speaker 2: those crazy low interest rates and people were you know,

449
00:27:01,960 --> 00:27:04,240
Speaker 2: rushing to the market because you know, we had to

450
00:27:04,240 --> 00:27:06,479
Speaker 2: stimulate the economy and the government realized that.

451
00:27:06,600 --> 00:27:08,160
Speaker 1: So that's when you.

452
00:27:08,080 --> 00:27:12,000
Speaker 2: Know, people were going overly buying houses and overly paying

453
00:27:12,040 --> 00:27:14,760
Speaker 2: like way more than than normal for home So it

454
00:27:14,840 --> 00:27:17,560
Speaker 2: kind of drove up the market at that point, and

455
00:27:17,600 --> 00:27:21,719
Speaker 2: there were lots of participation. But the market is to

456
00:27:21,800 --> 00:27:24,160
Speaker 2: me as it always has been. I mean, you see

457
00:27:24,160 --> 00:27:26,480
Speaker 2: a little bit of fluctuation right now because of the

458
00:27:26,520 --> 00:27:30,240
Speaker 2: interest rates and people have you know, some hesitancy about

459
00:27:30,240 --> 00:27:32,479
Speaker 2: it and what they feel like they can do. But

460
00:27:33,080 --> 00:27:35,000
Speaker 2: I feel good about the market. I have plenty of

461
00:27:35,000 --> 00:27:37,800
Speaker 2: clients and I haven't seen things slow down really at all.

462
00:27:37,920 --> 00:27:40,320
Speaker 1: You don't think like the big corporations played a big

463
00:27:40,359 --> 00:27:43,240
Speaker 1: part in running up the cost of the homes, like Zillow,

464
00:27:43,720 --> 00:27:47,840
Speaker 1: because they got into the retail home buying. Now somebody

465
00:27:47,920 --> 00:27:50,600
Speaker 1: who has a you know, family with kids, they can't

466
00:27:50,640 --> 00:27:54,320
Speaker 1: even purchase a single family home anymore. Absolutely, I mean

467
00:27:55,320 --> 00:27:59,040
Speaker 1: over that that's who appears. That's what it feels exactly

468
00:27:59,080 --> 00:27:59,720
Speaker 1: what's going on.

469
00:28:00,080 --> 00:28:03,360
Speaker 2: Corporations. There's a one corporation in Charlotte on twenty thousand.

470
00:28:03,560 --> 00:28:07,240
Speaker 1: Yeah, that's fucking crazy. So now they are drippy you

471
00:28:07,320 --> 00:28:09,320
Speaker 1: want to sell your home, right, Yeah, this is how

472
00:28:09,359 --> 00:28:11,280
Speaker 1: people who have been living in their houses for I

473
00:28:11,320 --> 00:28:14,560
Speaker 1: don't know, fifteen to twenty years can sell it. Not

474
00:28:14,640 --> 00:28:18,520
Speaker 1: even that long. They were giving people like ten twenty

475
00:28:18,600 --> 00:28:21,200
Speaker 1: thousand dollars over as asking price.

476
00:28:21,840 --> 00:28:23,919
Speaker 2: Yeah, I mean that was all COVID, like whether you

477
00:28:24,000 --> 00:28:27,240
Speaker 2: were a corporate buyer or if you were just like

478
00:28:27,280 --> 00:28:30,200
Speaker 2: shopping for a home. Like people were so competitive just

479
00:28:30,240 --> 00:28:32,880
Speaker 2: because those rates were lower, they could afford to be

480
00:28:33,000 --> 00:28:33,840
Speaker 2: more competitive.

481
00:28:33,960 --> 00:28:36,000
Speaker 1: But yeah, that corporate.

482
00:28:36,560 --> 00:28:40,600
Speaker 2: Now they're building whole townhome communities and they're all for rent.

483
00:28:40,680 --> 00:28:44,320
Speaker 1: Nothing's for sale. So I think townhomes should be for

484
00:28:44,360 --> 00:28:46,840
Speaker 1: rent because I could never get over the idea of

485
00:28:47,720 --> 00:28:51,480
Speaker 1: like purchasing a town home and everybody paying taxes on

486
00:28:51,600 --> 00:28:55,600
Speaker 1: their on this same plot of land. That shouldn't never

487
00:28:56,040 --> 00:29:01,200
Speaker 1: Sam session, I have a townhome, town girl, But you

488
00:29:01,360 --> 00:29:04,080
Speaker 1: paying taxes and your neighbor paying taxes on the same

489
00:29:04,120 --> 00:29:06,400
Speaker 1: plot of landing You're like, it's not the same plot

490
00:29:06,440 --> 00:29:09,800
Speaker 1: of land. You own, whatever land your home is on.

491
00:29:10,600 --> 00:29:15,640
Speaker 1: You're you're all connected, You're all are connected. But yes,

492
00:29:15,800 --> 00:29:21,880
Speaker 1: life is my right yard. Yeah, the bay and the

493
00:29:21,960 --> 00:29:25,440
Speaker 1: same amount of taxes that little like somebody would pay

494
00:29:25,440 --> 00:29:25,880
Speaker 1: for a house.

495
00:29:25,920 --> 00:29:30,520
Speaker 2: Well, taxes are calculated based on your acreage, so you know,

496
00:29:30,600 --> 00:29:35,000
Speaker 2: if your portion of that land is only what you're

497
00:29:35,000 --> 00:29:36,040
Speaker 2: paying for, so.

498
00:29:35,880 --> 00:29:38,480
Speaker 1: You're going to pay the same price, you're probably paying

499
00:29:38,480 --> 00:29:40,760
Speaker 1: the same price, but it's a fraction if the whole

500
00:29:40,760 --> 00:29:43,280
Speaker 1: space was yours. Is what you're what's your Yeah, what's

501
00:29:43,320 --> 00:29:43,800
Speaker 1: your taxes?

502
00:29:44,040 --> 00:29:47,320
Speaker 2: So I think because I haven't wrapped up into my mortgage,

503
00:29:47,400 --> 00:29:51,200
Speaker 2: so I think they're around twenty three hundred a year.

504
00:29:52,240 --> 00:29:54,120
Speaker 1: So some people pay twenty three hundred on their home

505
00:29:54,160 --> 00:29:56,640
Speaker 1: own a house with land, That's what I'm saying. Yeah,

506
00:29:56,760 --> 00:29:59,440
Speaker 1: but you know, it just it depends the value of

507
00:29:59,480 --> 00:29:59,760
Speaker 1: the home.

508
00:30:00,160 --> 00:30:02,360
Speaker 2: The value of the home goes into it, and then the

509
00:30:02,400 --> 00:30:05,560
Speaker 2: amount of land you have, so all that contributes. But

510
00:30:06,240 --> 00:30:10,440
Speaker 2: you know, for not having you it is right, I mean,

511
00:30:10,680 --> 00:30:11,760
Speaker 2: that's exactly what it is.

512
00:30:11,800 --> 00:30:14,120
Speaker 1: You know what I mean? Like everything is everything is

513
00:30:14,120 --> 00:30:16,720
Speaker 1: a finesse. So what would you say to people who

514
00:30:16,720 --> 00:30:19,760
Speaker 1: are who feel like buying and renting is out of

515
00:30:19,760 --> 00:30:22,880
Speaker 1: reach right now? Like because it's Charlotte, just to rent

516
00:30:22,920 --> 00:30:25,920
Speaker 1: a decent home, it's two thousand dollars. You're not going

517
00:30:26,000 --> 00:30:29,600
Speaker 1: to get much for under two thousand. Yeah, for sure,

518
00:30:29,720 --> 00:30:33,200
Speaker 1: what would you say. I would say, go to work,

519
00:30:33,680 --> 00:30:41,640
Speaker 1: go to work, go to work. Amore drugs, definitely. I

520
00:30:42,360 --> 00:30:46,120
Speaker 1: just got back drug sell yeah.

521
00:30:46,240 --> 00:30:50,280
Speaker 2: But okay, but they have commercialized selling drugs.

522
00:30:50,360 --> 00:30:53,160
Speaker 1: Yeah. Right, at the end of the day, if you're

523
00:30:53,200 --> 00:30:56,560
Speaker 1: selling drugs, you know what I mean, have a kind

524
00:30:56,600 --> 00:31:00,000
Speaker 1: of other way of making maybe not a non tackage

525
00:31:00,400 --> 00:31:07,640
Speaker 1: making money, get in the game.

526
00:31:09,000 --> 00:31:11,280
Speaker 2: No, but I would say do whatever you can afford.

527
00:31:11,720 --> 00:31:15,880
Speaker 2: You know, we're in unprecedented times where you kind of

528
00:31:15,920 --> 00:31:19,280
Speaker 2: have to. We're all getting to how we live, and

529
00:31:19,400 --> 00:31:22,440
Speaker 2: so what's important is just making sure that whatever it

530
00:31:22,480 --> 00:31:26,160
Speaker 2: is that you're doing, you can't afford that. So if

531
00:31:26,200 --> 00:31:28,440
Speaker 2: you can't live in the high rise, you can't live

532
00:31:28,480 --> 00:31:29,760
Speaker 2: in the hor d, you can't live in uptown, you

533
00:31:29,760 --> 00:31:31,880
Speaker 2: can't live in uptown. You have to do whatever it

534
00:31:31,960 --> 00:31:35,920
Speaker 2: is that you have to do to secure your future financially.

535
00:31:36,600 --> 00:31:38,760
Speaker 1: I just hate the fact that, Okay, so my rent

536
00:31:38,800 --> 00:31:44,200
Speaker 1: is damnar like two thousand dollars, right, but some people

537
00:31:44,760 --> 00:31:47,320
Speaker 1: may not be able to get financed for a mortgage

538
00:31:48,000 --> 00:31:49,800
Speaker 1: paying that same amount, but you can get approved for

539
00:31:49,800 --> 00:31:52,840
Speaker 1: an apartment, right. That's the bullshit. It's almost like they

540
00:31:52,920 --> 00:31:56,640
Speaker 1: want you in a rental situation forever. They really don't

541
00:31:56,680 --> 00:31:59,960
Speaker 1: want people owning anything in America anymore. That's the goal.

542
00:32:00,840 --> 00:32:04,320
Speaker 2: You know, the older that we get and the more

543
00:32:04,360 --> 00:32:08,000
Speaker 2: that we have, I think it's only it's like, you know,

544
00:32:08,120 --> 00:32:11,920
Speaker 2: normal to want more. It's normal to be more comfortable

545
00:32:12,000 --> 00:32:15,280
Speaker 2: or have a more beautiful home, or have a nicer car,

546
00:32:15,360 --> 00:32:18,320
Speaker 2: or have a and you're always wanting to upgrade because

547
00:32:18,320 --> 00:32:22,040
Speaker 2: that also signals outside of you that you know, life

548
00:32:22,080 --> 00:32:26,600
Speaker 2: is good or I'm a successful individual, I'm being successful

549
00:32:26,600 --> 00:32:31,440
Speaker 2: in life. And what's important is if you have goals

550
00:32:31,480 --> 00:32:36,880
Speaker 2: of doing more, becoming you know, having a business or

551
00:32:36,920 --> 00:32:39,080
Speaker 2: owning a home or whatever your goals are, they're going

552
00:32:39,120 --> 00:32:41,080
Speaker 2: to cost money at the end of the day. So

553
00:32:41,120 --> 00:32:44,880
Speaker 2: it's important to live within your means enough to be

554
00:32:44,960 --> 00:32:48,520
Speaker 2: able to afford those dreams or to chase those dreams.

555
00:32:48,640 --> 00:32:50,760
Speaker 2: So yeah, you might have.

556
00:32:50,680 --> 00:33:02,040
Speaker 1: To m you know, whatever that means, or just you know,

557
00:33:02,400 --> 00:33:05,960
Speaker 1: be a little be a little conservative until you can

558
00:33:07,960 --> 00:33:10,360
Speaker 1: do you believe like the American dream is still real

559
00:33:10,600 --> 00:33:16,680
Speaker 1: though totally Yeah, yeah, I do. I think for most Americans, no,

560
00:33:17,040 --> 00:33:18,920
Speaker 1: of course not. It's the American dream is not for

561
00:33:19,000 --> 00:33:23,720
Speaker 1: most Americans. The American dream is just a dream at

562
00:33:23,760 --> 00:33:27,480
Speaker 1: this point. Yeah, I mean I feel like the American

563
00:33:27,520 --> 00:33:29,880
Speaker 1: dream that that was the whole point in this episode, right,

564
00:33:29,920 --> 00:33:33,040
Speaker 1: because I think the American dream for most Americans has

565
00:33:33,040 --> 00:33:36,480
Speaker 1: always been having a house, a car, a job, and

566
00:33:36,520 --> 00:33:40,000
Speaker 1: a family, right right, And the house is like the

567
00:33:40,280 --> 00:33:43,160
Speaker 1: epitome of the whole thing, right right. So most people

568
00:33:43,200 --> 00:33:46,240
Speaker 1: now can't afford a house like our parents, most of

569
00:33:46,280 --> 00:33:48,959
Speaker 1: them could have afford could have afforded a house back then.

570
00:33:49,000 --> 00:33:51,640
Speaker 1: I think my mom house was like fifty thousand dollars.

571
00:33:52,160 --> 00:33:54,320
Speaker 1: You know, she bought her house in eighty four when

572
00:33:54,360 --> 00:33:56,840
Speaker 1: I was born, still lives in the same house, paid

573
00:33:56,840 --> 00:33:59,960
Speaker 1: off now, you know. But and now her house is

574
00:34:00,000 --> 00:34:04,120
Speaker 1: worth like five hundred thousand dollars. Okay, but it's still

575
00:34:04,160 --> 00:34:04,920
Speaker 1: forty years later.

576
00:34:05,240 --> 00:34:08,560
Speaker 2: Like yeah, but at the end of the day, like

577
00:34:08,640 --> 00:34:12,399
Speaker 2: all of that is equity. I mean, your mom could

578
00:34:12,440 --> 00:34:15,160
Speaker 2: do anything she wanted to. She can get alone against

579
00:34:15,160 --> 00:34:17,400
Speaker 2: her home for much less than she would like a

580
00:34:17,400 --> 00:34:19,960
Speaker 2: traditional loan to go and do whatever she wanted to do.

581
00:34:20,280 --> 00:34:22,440
Speaker 1: Or she could sell her house and have that in cash.

582
00:34:22,560 --> 00:34:25,799
Speaker 1: This came up because I was talking about my stepdaddy,

583
00:34:25,840 --> 00:34:29,640
Speaker 1: who I love so much. Has I think about this now?

584
00:34:29,760 --> 00:34:33,800
Speaker 1: Imagine you had a family member, Hey, daddy, a vacant

585
00:34:33,840 --> 00:34:36,600
Speaker 1: house next door to your mom's house that has been

586
00:34:36,680 --> 00:34:41,440
Speaker 1: vacant for fifteen seven, almost seventeen years. It's essentially a

587
00:34:41,480 --> 00:34:45,400
Speaker 1: storage unit at this point, and I've asked them to

588
00:34:45,480 --> 00:34:47,400
Speaker 1: buy it. I've asked them to let me live in

589
00:34:47,440 --> 00:34:51,680
Speaker 1: it and renovate it. No Black and I started talking

590
00:34:51,719 --> 00:34:55,400
Speaker 1: about black people and how they just look at they

591
00:34:55,400 --> 00:34:58,360
Speaker 1: don't even consider generational wealth the older generation. Right, this

592
00:34:58,440 --> 00:35:01,000
Speaker 1: is something new. I won't say that none of them,

593
00:35:01,040 --> 00:35:03,640
Speaker 1: because you do have some affluent Black families, right who

594
00:35:03,840 --> 00:35:07,319
Speaker 1: whose parents are our age and set their kids up.

595
00:35:07,520 --> 00:35:09,680
Speaker 1: But for the most part, it's almost like I had

596
00:35:09,680 --> 00:35:11,839
Speaker 1: to struggle, so do you. Yeah.

597
00:35:12,560 --> 00:35:16,560
Speaker 2: I think it's a general lack of understanding of how

598
00:35:17,920 --> 00:35:21,280
Speaker 2: you can make your money work for you, right, because

599
00:35:21,920 --> 00:35:24,799
Speaker 2: it is amazing that your mother in eighty four was

600
00:35:24,800 --> 00:35:27,239
Speaker 2: able to buy home, buy home on her own, no,

601
00:35:27,440 --> 00:35:29,840
Speaker 2: my dad with your dad, my dad to own home,

602
00:35:30,239 --> 00:35:32,560
Speaker 2: you know, and then to have that same home and

603
00:35:32,920 --> 00:35:38,400
Speaker 2: see the appreciation of that home realized is incredible. The

604
00:35:38,480 --> 00:35:42,040
Speaker 2: lack of information, understanding and information is not knowing what

605
00:35:42,120 --> 00:35:42,640
Speaker 2: you can.

606
00:35:42,480 --> 00:35:45,360
Speaker 1: Do with that, right, It's using your equity to build

607
00:35:45,440 --> 00:35:46,040
Speaker 1: out wealth.

608
00:35:46,080 --> 00:35:52,000
Speaker 2: And that is the differentiation between black people and and

609
00:35:52,120 --> 00:35:56,920
Speaker 2: everyone else. Right we are like, let our go buy

610
00:35:56,920 --> 00:35:59,360
Speaker 2: a house, be the first person in in my family

611
00:35:59,400 --> 00:36:02,160
Speaker 2: to own a home, or you know, own a home

612
00:36:02,280 --> 00:36:04,719
Speaker 2: for thirty years and living in forever. It's my forever home.

613
00:36:04,840 --> 00:36:06,880
Speaker 2: I want this to be it. And that's all whatever.

614
00:36:07,400 --> 00:36:10,080
Speaker 1: But you know, people send their people pay for their

615
00:36:10,160 --> 00:36:13,880
Speaker 1: kids college off of home ownership and real estate deals

616
00:36:13,880 --> 00:36:17,920
Speaker 1: and things like that. And it's so over the last

617
00:36:17,960 --> 00:36:19,799
Speaker 1: two years to say, you know, you bought a home

618
00:36:19,920 --> 00:36:23,439
Speaker 1: in COVID. Right, since COVID's been two or three years,

619
00:36:23,520 --> 00:36:27,120
Speaker 1: some people's homes have appreciated. What's the average right now?

620
00:36:28,280 --> 00:36:31,400
Speaker 2: So homes are selling right now on average in Charlotte,

621
00:36:31,440 --> 00:36:34,040
Speaker 2: I think it's probably around five hundred if I'm not mistakes.

622
00:36:34,120 --> 00:36:36,560
Speaker 1: I'm saying, like the person who bought the home during COVID,

623
00:36:36,600 --> 00:36:40,560
Speaker 1: what is the average equity that they people have right now?

624
00:36:40,880 --> 00:36:42,240
Speaker 1: Who during COVID?

625
00:36:42,280 --> 00:36:44,640
Speaker 2: I don't know, but I'll tell you mine I bought

626
00:36:45,040 --> 00:36:46,960
Speaker 2: when I moved to Charlotte in twenty twenty one. I

627
00:36:47,000 --> 00:36:50,520
Speaker 2: bought my house for three eighty six, three eighty seven

628
00:36:50,600 --> 00:36:53,640
Speaker 2: something like that. And now it's worth five hundred, and

629
00:36:53,760 --> 00:36:56,960
Speaker 2: it's it's flat flat over the last like year and

630
00:36:57,000 --> 00:36:59,520
Speaker 2: a half or so. But yeah, it's been around five

631
00:36:59,560 --> 00:37:03,480
Speaker 2: hundred for for a while now, but like consistently growing

632
00:37:03,680 --> 00:37:07,120
Speaker 2: in inequity over those years. I mean, like I could

633
00:37:07,120 --> 00:37:09,440
Speaker 2: tell my house right now and have one hundred thousand dollars.

634
00:37:09,800 --> 00:37:12,320
Speaker 1: What advice would you give to a first time buyer,

635
00:37:12,440 --> 00:37:15,120
Speaker 1: you know, just scared, ready to get out there and

636
00:37:15,160 --> 00:37:16,799
Speaker 1: buy a home, but they don't know what to do

637
00:37:16,920 --> 00:37:19,560
Speaker 1: exactly what we said to them. I mean, get information,

638
00:37:21,080 --> 00:37:21,759
Speaker 1: that's all you have to do.

639
00:37:21,960 --> 00:37:23,960
Speaker 2: Figure out like what it is that you have to do,

640
00:37:24,120 --> 00:37:26,600
Speaker 2: and then like do that, you know, and if and

641
00:37:26,680 --> 00:37:28,680
Speaker 2: if when you go to let's say you go to

642
00:37:28,760 --> 00:37:31,160
Speaker 2: your bank, your credit union, or you talk to a

643
00:37:31,239 --> 00:37:36,279
Speaker 2: realtor or a lender, somebody who can guide you professionally

644
00:37:36,600 --> 00:37:40,479
Speaker 2: with their you know, professional knowledge, if you're not ready,

645
00:37:40,520 --> 00:37:42,520
Speaker 2: if they say, okay, you have to work on this,

646
00:37:42,680 --> 00:37:44,479
Speaker 2: you have to work on that, then like at least

647
00:37:44,480 --> 00:37:47,160
Speaker 2: you have a starting point you have and you can

648
00:37:47,239 --> 00:37:48,640
Speaker 2: put a goal in in place.

649
00:37:49,120 --> 00:37:50,960
Speaker 1: Right. It's different when.

650
00:37:50,880 --> 00:37:53,640
Speaker 2: You're like, oh, buying house is so hard, I don't

651
00:37:53,640 --> 00:37:57,160
Speaker 2: know what to do, and then you just never figure

652
00:37:57,160 --> 00:37:59,520
Speaker 2: it out, you never think about it again, and you

653
00:37:59,560 --> 00:37:59,920
Speaker 2: just think it.

654
00:38:00,160 --> 00:38:01,760
Speaker 1: This huge task.

655
00:38:02,200 --> 00:38:06,319
Speaker 2: My the client that I just closed last month, she

656
00:38:06,560 --> 00:38:09,120
Speaker 2: was she I met her through a good friend of mine,

657
00:38:09,760 --> 00:38:12,400
Speaker 2: and she was like, I want to move to Charlotte

658
00:38:12,440 --> 00:38:16,640
Speaker 2: and move closer to have help with my son. And

659
00:38:16,760 --> 00:38:18,040
Speaker 2: I was looking at places to rent.

660
00:38:18,080 --> 00:38:20,000
Speaker 1: I spent all day looking at places to rent.

661
00:38:20,280 --> 00:38:22,640
Speaker 2: And I was like, well, girl, you know if you

662
00:38:22,680 --> 00:38:24,800
Speaker 2: want to move here, and she told me her budget.

663
00:38:24,840 --> 00:38:26,520
Speaker 1: I said, that's a significant budget. Was about it.

664
00:38:26,719 --> 00:38:29,040
Speaker 2: She wanted to spend two thousand dollars and I said

665
00:38:29,080 --> 00:38:30,680
Speaker 2: that's a pretty smudge.

666
00:38:31,239 --> 00:38:34,080
Speaker 1: Yeah. I said, that's a good Budget's a decent budget

667
00:38:34,120 --> 00:38:35,520
Speaker 1: that I were working with. Let's see what you can do,

668
00:38:35,560 --> 00:38:37,680
Speaker 1: because that's how much she's probably clean and rent. That's

669
00:38:37,760 --> 00:38:38,600
Speaker 1: exactly exactly.

670
00:38:38,680 --> 00:38:41,680
Speaker 2: I was like, you're gonna pay seventeen hundred, you know,

671
00:38:41,760 --> 00:38:44,160
Speaker 2: at least you know a room for you for two bedroom?

672
00:38:44,600 --> 00:38:47,040
Speaker 1: You know, too bad, it's going to be seventeen hundred.

673
00:38:47,440 --> 00:38:50,759
Speaker 1: I just looked at this one bedroom here in Charlottetown home,

674
00:38:50,800 --> 00:38:55,680
Speaker 1: a one bedroom townhome twenty eight fifty a month lasty.

675
00:38:55,800 --> 00:39:00,239
Speaker 1: I looked at a an old ass multi family home

676
00:39:00,280 --> 00:39:06,000
Speaker 1: in Charleston, thirty eight hundred dollars, top floor, two bedroom,

677
00:39:06,280 --> 00:39:10,680
Speaker 1: two bathroom, built in the nineteen forties. What was the

678
00:39:10,719 --> 00:39:13,080
Speaker 1: location of the pool in the back? Where is it?

679
00:39:13,080 --> 00:39:15,560
Speaker 1: It must be right, it's like almost going into downtown.

680
00:39:15,640 --> 00:39:17,920
Speaker 1: That what I was about to say it so well, Actually,

681
00:39:18,120 --> 00:39:21,279
Speaker 1: thirty eight hundred dollars thirty eight hundred rent and then

682
00:39:21,640 --> 00:39:26,319
Speaker 1: paying that much rent, how could you possibly gon to

683
00:39:26,320 --> 00:39:28,680
Speaker 1: do anything? So the career thing is also a part

684
00:39:28,760 --> 00:39:32,320
Speaker 1: of the American dream, right, having a career working someplace

685
00:39:32,360 --> 00:39:35,040
Speaker 1: for thirty thirty years or forty years or whatever, retiring

686
00:39:35,560 --> 00:39:38,520
Speaker 1: Like people cannot even lock in jobs like that anymore.

687
00:39:39,040 --> 00:39:40,719
Speaker 1: But you know what I say, New Yorkers are going

688
00:39:40,760 --> 00:39:42,920
Speaker 1: to listen to this and be like, fuck, y'all, twenty

689
00:39:42,960 --> 00:39:47,719
Speaker 1: eight hundred dollars out now, that's not for real, because

690
00:39:47,760 --> 00:39:52,839
Speaker 1: people are real minds. Yeah, there telling their seven seven

691
00:39:52,920 --> 00:39:57,000
Speaker 1: hundred square foot and coming out here behind for cash

692
00:39:57,239 --> 00:40:01,239
Speaker 1: and now they're driving out the cost of living Yankee bullshit.

693
00:40:01,760 --> 00:40:08,560
Speaker 1: Y'are ru y'all, y'all are ruining, y'all Democratic states. We

694
00:40:08,880 --> 00:40:12,479
Speaker 1: you know, Carolina, we embarrass ourselves. You know, it's nice

695
00:40:12,560 --> 00:40:17,960
Speaker 1: down here though it's cheaper, Yes, it's nice streets, clean

696
00:40:18,000 --> 00:40:23,759
Speaker 1: and ship New York like mad Max, Like, why the

697
00:40:24,080 --> 00:40:26,279
Speaker 1: is all these cars on the side of roll like abandoned?

698
00:40:26,360 --> 00:40:30,799
Speaker 1: It's weird. Yeah, it is. Visit what is something that

699
00:40:30,880 --> 00:40:32,880
Speaker 1: you wish buyers a but they don't.

700
00:40:33,760 --> 00:40:37,400
Speaker 2: Oh so I have buyers always come to me and

701
00:40:37,400 --> 00:40:39,000
Speaker 2: they're like, I want to buy a house in the

702
00:40:39,040 --> 00:40:42,560
Speaker 2: next year. And I'm like, okay, great, thank you for

703
00:40:42,640 --> 00:40:44,040
Speaker 2: you know, trusting me with your journey.

704
00:40:44,400 --> 00:40:48,400
Speaker 1: And then it's like they get cold feet immediately, and

705
00:40:48,440 --> 00:40:50,719
Speaker 1: I'm like, I didn't even ask you. I'd ask you

706
00:40:50,760 --> 00:40:58,040
Speaker 1: to come to me. But people people jump the gun

707
00:40:58,120 --> 00:40:58,520
Speaker 1: a lot.

708
00:40:58,680 --> 00:41:01,600
Speaker 2: They want to They say, I know I can afford

709
00:41:01,880 --> 00:41:03,960
Speaker 2: X y Z house or this is the house that

710
00:41:04,000 --> 00:41:06,360
Speaker 2: I that I know that I want in this price

711
00:41:06,480 --> 00:41:09,560
Speaker 2: range or in this neighborhood. They don't even they haven't

712
00:41:09,560 --> 00:41:11,480
Speaker 2: gone to the bank. They don't know anything about what

713
00:41:11,520 --> 00:41:13,520
Speaker 2: they can afford. They don't know anything about their.

714
00:41:14,960 --> 00:41:15,360
Speaker 1: Approval.

715
00:41:16,400 --> 00:41:19,239
Speaker 2: It's like, I'm like, you would be wasting all of

716
00:41:19,280 --> 00:41:22,359
Speaker 2: our times collectively because you know, let's say you fall

717
00:41:22,360 --> 00:41:24,839
Speaker 2: in love with this house, then you go and get

718
00:41:24,840 --> 00:41:28,799
Speaker 2: preapproved and you're like, ooh, actually I can only do this,

719
00:41:29,080 --> 00:41:32,560
Speaker 2: or oh but it can be three hundred thousand times

720
00:41:32,600 --> 00:41:35,439
Speaker 2: more than this, So it's just like it could be

721
00:41:35,680 --> 00:41:38,879
Speaker 2: a huge waste of your time. Everybody else's an emotions

722
00:41:38,920 --> 00:41:41,600
Speaker 2: get involved, you know what I mean. So that is like,

723
00:41:42,440 --> 00:41:45,360
Speaker 2: oh so often, so regular that that happens. So I

724
00:41:45,400 --> 00:41:47,360
Speaker 2: think that's like the most kind of unprepared thing that

725
00:41:47,440 --> 00:41:48,160
Speaker 2: buyers trying to do.

726
00:41:48,320 --> 00:41:50,680
Speaker 1: So let me tell y'all one of my clients, her

727
00:41:50,719 --> 00:41:53,560
Speaker 1: and her husband were buying a big, beautiful home. They

728
00:41:53,800 --> 00:41:57,080
Speaker 1: were about to close on the house and he surprised

729
00:41:57,120 --> 00:42:01,279
Speaker 1: her with a brand new car. You're ruined to sell.

730
00:42:03,120 --> 00:42:06,120
Speaker 1: They were at the table, yes, and I didn't know

731
00:42:06,160 --> 00:42:08,480
Speaker 1: that was possible. So can you speak to our listeners

732
00:42:08,520 --> 00:42:10,799
Speaker 1: about what that is exactly? That's exactly what it is.

733
00:42:10,840 --> 00:42:14,759
Speaker 2: It's debt to income ratio, So your debts or like

734
00:42:14,840 --> 00:42:18,120
Speaker 2: typically like your your bills, whether it's your like living

735
00:42:18,160 --> 00:42:22,279
Speaker 2: expenses and your cars and just anything that you have,

736
00:42:23,239 --> 00:42:24,640
Speaker 2: student loans, all of those.

737
00:42:25,400 --> 00:42:29,520
Speaker 1: What about hospital debt? They can? They can? So I

738
00:42:29,520 --> 00:42:31,680
Speaker 1: thought they stopped that kind of that didn't show up

739
00:42:31,680 --> 00:42:32,720
Speaker 1: on your credit affording.

740
00:42:35,239 --> 00:42:39,200
Speaker 2: Yes, yes, exactly, so they did make some changes. But

741
00:42:39,440 --> 00:42:41,239
Speaker 2: the specifics on that you would talk to.

742
00:42:41,200 --> 00:42:44,000
Speaker 1: Elonder about that, because you know, I don't know.

743
00:42:44,239 --> 00:42:47,080
Speaker 2: The very very specifics about what how different things can

744
00:42:47,120 --> 00:42:51,880
Speaker 2: affect it. Usually like when things go like bad into

745
00:42:51,920 --> 00:42:54,040
Speaker 2: your credit, if they are affecting your credit, then they're

746
00:42:54,080 --> 00:42:59,480
Speaker 2: affecting your ability to purchase. So it just depends, I

747
00:42:59,480 --> 00:43:03,160
Speaker 2: would say, But yeah, absolutely, if you go and you

748
00:43:03,239 --> 00:43:06,240
Speaker 2: go and buy furniture, go open you an Ashley.

749
00:43:05,880 --> 00:43:10,359
Speaker 1: Car, don't buy ship. Basically get a damn thing.

750
00:43:10,880 --> 00:43:14,120
Speaker 2: You go and get that car, you leave, you leave

751
00:43:14,160 --> 00:43:16,440
Speaker 2: the closing table, and you go to the dealership.

752
00:43:16,760 --> 00:43:18,799
Speaker 1: I'm not a moment, but not a moment. I think

753
00:43:18,800 --> 00:43:21,799
Speaker 1: I'll be ready to buy a house the end of

754
00:43:21,840 --> 00:43:24,359
Speaker 1: this year until next year. But anytime I'm in TJ Max,

755
00:43:24,360 --> 00:43:27,239
Speaker 1: which is every fucking Saturday or Sunday, and they asked

756
00:43:27,280 --> 00:43:29,080
Speaker 1: me to get that TJ girl. No, girl, I am

757
00:43:29,120 --> 00:43:31,720
Speaker 1: trying to buy a house. Girl. I cannot run my credit.

758
00:43:31,800 --> 00:43:34,480
Speaker 1: That's always my life, the last I don't know how

759
00:43:34,520 --> 00:43:38,120
Speaker 1: many years, twenty years, know how to buy a house.

760
00:43:38,160 --> 00:43:38,319
Speaker 3: Girl.

761
00:43:38,320 --> 00:43:40,440
Speaker 1: I can't run my credit. Like no, I don't want to,

762
00:43:40,520 --> 00:43:43,200
Speaker 1: Damn I cannot. I would never get a house if

763
00:43:43,239 --> 00:43:46,719
Speaker 1: I had a TJ Max credit card. Okay, right, So

764
00:43:46,800 --> 00:43:50,200
Speaker 1: that's good. You gotta know your strengths, you know your weaknesses. Okay,

765
00:43:50,400 --> 00:43:58,960
Speaker 1: that that is your opposite self awareness exactly exactly? Are

766
00:43:59,000 --> 00:44:01,880
Speaker 1: there any more stake step people make that you would

767
00:44:01,920 --> 00:44:07,120
Speaker 1: suggest against. I would say a huge mistake is not

768
00:44:08,160 --> 00:44:12,640
Speaker 1: moving immediately or not knowing, not finding out what you

769
00:44:12,640 --> 00:44:15,759
Speaker 1: can do immediately. So for those of us who are

770
00:44:15,800 --> 00:44:18,400
Speaker 1: I'm gonna hold your hand when I say this waiting

771
00:44:18,560 --> 00:44:20,680
Speaker 1: for a year, I'm gonna I'm gonna buy in a year.

772
00:44:20,719 --> 00:44:22,720
Speaker 1: I'm gonna be ready in a year and a half.

773
00:44:23,120 --> 00:44:25,720
Speaker 1: The longer we wait. Just like your mom's.

774
00:44:25,360 --> 00:44:29,080
Speaker 2: Home that she bought for fifty and eighty four is

775
00:44:29,120 --> 00:44:32,440
Speaker 2: now worth five hundred thousand and five fifty. You know,

776
00:44:32,880 --> 00:44:36,120
Speaker 2: with time that house has not changed. But guess what

777
00:44:36,480 --> 00:44:41,719
Speaker 2: with everything's more expensive no matter every year, everything in

778
00:44:41,760 --> 00:44:43,000
Speaker 2: life is more expensive.

779
00:44:43,120 --> 00:44:44,840
Speaker 1: You don't think we had a cap right now with

780
00:44:44,920 --> 00:44:47,040
Speaker 1: the price of houses, like god, how much how you

781
00:44:47,080 --> 00:44:48,799
Speaker 1: cant y'all go? Yeah?

782
00:44:49,080 --> 00:44:52,840
Speaker 2: Well, like if you think about it, like from a

783
00:44:52,920 --> 00:44:56,800
Speaker 2: general aspect, right with it as far as appreciation is concerned,

784
00:44:57,640 --> 00:45:01,799
Speaker 2: because nothing's getting less expensive, you know what I mean?

785
00:45:01,920 --> 00:45:04,600
Speaker 2: Like things are ago EBB and flow right, it's on

786
00:45:04,680 --> 00:45:05,400
Speaker 2: it's sicular.

787
00:45:05,480 --> 00:45:07,280
Speaker 1: Sometimes the price of gas is this much.

788
00:45:07,120 --> 00:45:10,000
Speaker 2: Sometimes it's that much, sometimes it's more, sometimes it's less.

789
00:45:10,200 --> 00:45:14,000
Speaker 2: But if you look at the trends over time, gas

790
00:45:14,040 --> 00:45:17,920
Speaker 2: costs more today than it did twenty years ago than

791
00:45:17,960 --> 00:45:20,359
Speaker 2: it did twenty years before that. So if we keep

792
00:45:20,400 --> 00:45:22,160
Speaker 2: saying I want to do this in five and you

793
00:45:22,160 --> 00:45:23,440
Speaker 2: know I want to this is what I want to

794
00:45:23,480 --> 00:45:25,480
Speaker 2: be done in a year, I want to actually be

795
00:45:25,560 --> 00:45:27,960
Speaker 2: doing it in five years or in ten years. I

796
00:45:28,000 --> 00:45:29,919
Speaker 2: want to be ready at the end of the day.

797
00:45:30,239 --> 00:45:33,520
Speaker 2: No matter where you are in the future, it's going

798
00:45:33,560 --> 00:45:36,479
Speaker 2: to cost more than it did today than it did

799
00:45:36,560 --> 00:45:38,480
Speaker 2: five years ago. So they all got to get mad

800
00:45:38,560 --> 00:45:41,200
Speaker 2: unless it's like a thousands, like two thousand and nine,

801
00:45:41,239 --> 00:45:43,200
Speaker 2: because when she happened, what happened in.

802
00:45:43,200 --> 00:45:47,160
Speaker 1: Two thousand and eight, Yeah, two thousand and eight was

803
00:45:47,320 --> 00:45:53,360
Speaker 1: eleven and all that's after after well after, right, housing

804
00:45:53,440 --> 00:45:57,480
Speaker 1: market is after, but it all stemmed from from nine

805
00:45:57,480 --> 00:45:58,360
Speaker 1: to eleven essentially.

806
00:45:58,480 --> 00:46:01,040
Speaker 2: Yeah, So in two thousand and eight the housing crash

807
00:46:01,280 --> 00:46:05,040
Speaker 2: was basically because back then you could get anybody can

808
00:46:05,040 --> 00:46:08,719
Speaker 2: get working, right, they were afford housing. They were giving

809
00:46:08,719 --> 00:46:11,960
Speaker 2: out mortgages like how even easier than they able to

810
00:46:12,080 --> 00:46:16,040
Speaker 2: prove you for TV right now? Yeah, like you were going, okay, cool,

811
00:46:16,960 --> 00:46:19,040
Speaker 2: they were giving your I actually was.

812
00:46:19,040 --> 00:46:22,880
Speaker 1: Looking for how maybe like two thousand and nine ten? Yeah, yeah,

813
00:46:23,000 --> 00:46:24,160
Speaker 1: so they were they were given.

814
00:46:24,200 --> 00:46:25,719
Speaker 2: I mean, you can show your pay stuffs, you can

815
00:46:25,719 --> 00:46:27,760
Speaker 2: show no paperwork, and what's.

816
00:46:27,600 --> 00:46:34,480
Speaker 1: The potential of that happening again? I never Yes, that's

817
00:46:35,400 --> 00:46:43,280
Speaker 1: like listen, mortgage, everything else can get figured out. Verizon,

818
00:46:43,719 --> 00:46:51,880
Speaker 1: y'all always last. Something again for to put your Verrizon

819
00:46:51,920 --> 00:46:54,000
Speaker 1: always last because I can always pay them, I just

820
00:46:54,440 --> 00:46:57,719
Speaker 1: don't want to why so high listen, I don't pay

821
00:46:57,800 --> 00:47:00,800
Speaker 1: nobody until right when it's time, Like all right with

822
00:47:01,000 --> 00:47:06,040
Speaker 1: rent is due on the first to the grace is

823
00:47:06,080 --> 00:47:08,560
Speaker 1: on the field. I paid a lot of stuff on

824
00:47:08,600 --> 00:47:11,759
Speaker 1: allt to pay, but my rent I just don't like

825
00:47:11,880 --> 00:47:14,799
Speaker 1: to pay. It's not that it's just that I will.

826
00:47:14,840 --> 00:47:18,680
Speaker 1: I'm not responsible enough to remember all of these, so

827
00:47:18,800 --> 00:47:20,880
Speaker 1: just take it. That's how I feel about it. I

828
00:47:20,920 --> 00:47:22,839
Speaker 1: just feel like no, because I want to be able

829
00:47:22,880 --> 00:47:24,879
Speaker 1: to give y'all when I feel like even I'm gonna

830
00:47:24,880 --> 00:47:27,960
Speaker 1: pay the whole thing, but I'm gonna remember, I'm not

831
00:47:28,000 --> 00:47:30,719
Speaker 1: gonna remember, I'm gonna forget, So just every last bit

832
00:47:30,760 --> 00:47:33,600
Speaker 1: of that interest that your bank account will allow before

833
00:47:33,600 --> 00:47:36,680
Speaker 1: you got to pay. But if it's due to ad

834
00:47:36,920 --> 00:47:38,759
Speaker 1: on the fifth, I pay it on the fifth at

835
00:47:38,760 --> 00:47:42,120
Speaker 1: eleven fifty nine nine, like literally the last second I

836
00:47:42,200 --> 00:47:43,520
Speaker 1: give it to you. So I want to talk about

837
00:47:43,520 --> 00:47:47,879
Speaker 1: the hustle tax because because like jobs aren't jobbing anymore, right,

838
00:47:47,960 --> 00:47:52,640
Speaker 1: careers aren't careering. So now we have all theseurs, not entrepreneurs,

839
00:47:52,680 --> 00:47:55,080
Speaker 1: but all these what do you call them the gig jobs? Right,

840
00:47:55,120 --> 00:47:58,120
Speaker 1: So what is the cost? Now there's a hustle tax

841
00:47:58,160 --> 00:48:02,800
Speaker 1: now right that you you pay to obtain American dreams.

842
00:48:02,840 --> 00:48:05,840
Speaker 1: And now you're working your regular full time job, plus

843
00:48:05,840 --> 00:48:10,640
Speaker 1: you're doing Uber and instacar all these different things to

844
00:48:10,760 --> 00:48:15,640
Speaker 1: get a house. It's bullshit, Like.

845
00:48:17,480 --> 00:48:20,320
Speaker 2: I mean, we live in a capitalist society, like it

846
00:48:21,000 --> 00:48:23,239
Speaker 2: almost just like it is what it is, you.

847
00:48:23,200 --> 00:48:28,040
Speaker 1: Know what I mean, what can you do? You swim? Swim? Yeah,

848
00:48:28,160 --> 00:48:29,880
Speaker 1: And that's really like what it is.

849
00:48:29,960 --> 00:48:34,040
Speaker 2: But fortunately, you know, at least here in Charlotte, and

850
00:48:34,120 --> 00:48:36,480
Speaker 2: I've actually looked into it a little bit in Rolling too.

851
00:48:36,640 --> 00:48:42,040
Speaker 2: Charlotte has a lot of programs that assist with home ownership.

852
00:48:42,800 --> 00:48:46,920
Speaker 1: So if you live underneath that kind of.

853
00:48:46,800 --> 00:48:50,279
Speaker 2: Like median income that for the for at least the

854
00:48:50,400 --> 00:48:53,200
Speaker 2: Charlotte area is really the where I can speak on

855
00:48:53,320 --> 00:48:55,160
Speaker 2: as far as those programs are concerned.

856
00:48:55,200 --> 00:48:58,399
Speaker 1: But if you live below that medium income level, then

857
00:48:58,440 --> 00:49:00,440
Speaker 1: there are programs that you can use and take advantage

858
00:49:00,480 --> 00:49:03,560
Speaker 1: of for additional down payment assistance. And a lot of

859
00:49:03,600 --> 00:49:05,600
Speaker 1: these private lenders have programs that.

860
00:49:05,760 --> 00:49:11,280
Speaker 2: Allow you to get additional monies to help with getting

861
00:49:11,360 --> 00:49:14,719
Speaker 2: you into a home home buying process, and there are

862
00:49:14,800 --> 00:49:18,160
Speaker 2: stipulations of course with each individual program, so you can

863
00:49:18,280 --> 00:49:20,759
Speaker 2: kind of tackle that as as it comes up.

864
00:49:20,840 --> 00:49:24,880
Speaker 1: But if oh, the goal of stuff like living out

865
00:49:24,920 --> 00:49:27,720
Speaker 1: in the rules, oh yeah, yeah, because I'm not opposed

866
00:49:27,719 --> 00:49:29,440
Speaker 1: to that, because I need me some farmland. I want

867
00:49:29,480 --> 00:49:31,520
Speaker 1: to that's what I want. I want a farmhouse. I'm

868
00:49:31,520 --> 00:49:36,080
Speaker 1: thinking about a farm. Yes, you don't believe. I know.

869
00:49:36,120 --> 00:49:38,160
Speaker 1: People are like, you're on a farm. But get up

870
00:49:38,160 --> 00:49:41,480
Speaker 1: on time? You get up in the morning. It depends. Girl,

871
00:49:41,520 --> 00:49:43,319
Speaker 1: it's hard to taking care of chicken. But who I

872
00:49:43,320 --> 00:49:47,440
Speaker 1: didn't know. I didn't say I want to like do

873
00:49:47,520 --> 00:49:52,040
Speaker 1: the farm work. There's people for this. The USDA mortgage

874
00:49:52,040 --> 00:49:56,440
Speaker 1: loan okay, yeah, so U s d A is very

875
00:49:56,520 --> 00:49:58,960
Speaker 1: is very similar in that you have you have a

876
00:49:59,120 --> 00:50:03,160
Speaker 1: certain incomervironments, you know, the amount of people in the home, requirements,

877
00:50:03,360 --> 00:50:04,960
Speaker 1: just different things that come up.

878
00:50:04,960 --> 00:50:07,400
Speaker 2: So you have to be approved for the program. And

879
00:50:07,440 --> 00:50:11,799
Speaker 2: it is only in certain areas. So usually like if

880
00:50:11,800 --> 00:50:13,760
Speaker 2: you if you want to live, like in the middle

881
00:50:13,760 --> 00:50:16,480
Speaker 2: of Charlotte, there is no USC loan but it's usc

882
00:50:16,600 --> 00:50:17,480
Speaker 2: A excuse me loan.

883
00:50:17,880 --> 00:50:20,560
Speaker 1: But usually in the outskirts and the far enough out

884
00:50:20,560 --> 00:50:24,719
Speaker 1: in the burbs, you can find you some rural community,

885
00:50:25,040 --> 00:50:28,719
Speaker 1: some some some homes out there that that are available.

886
00:50:28,800 --> 00:50:32,839
Speaker 1: Is that air conditioned on? Yeah, my my hands are

887
00:50:32,880 --> 00:50:36,440
Speaker 1: freezing cold? Did you? Oh wait, isn't it controlled by

888
00:50:36,440 --> 00:50:41,719
Speaker 1: that switch right there? That girl is so cold up there?

889
00:50:41,920 --> 00:50:44,000
Speaker 1: Will you? Will you please spurst up there and see

890
00:50:44,000 --> 00:50:48,600
Speaker 1: what the third status behind that curtain on and off?

891
00:50:48,640 --> 00:50:52,080
Speaker 1: That that's what they used to do in the summertime. Okay,

892
00:50:52,120 --> 00:51:02,239
Speaker 1: we'll try it. Sorry, y'all that that's freezing in here.

893
00:51:02,640 --> 00:51:07,120
Speaker 1: My hands are oh it just turned out. Oh you

894
00:51:07,239 --> 00:51:10,200
Speaker 1: turned off? But was that heat or air coming out?

895
00:51:10,800 --> 00:51:12,560
Speaker 1: Those things don't do he though I thought that was

896
00:51:12,600 --> 00:51:19,000
Speaker 1: just an air condition was blowing out that motherfucker because

897
00:51:20,320 --> 00:51:28,280
Speaker 1: because I really and that thermostat broke my ass seventy six.

898
00:51:29,360 --> 00:51:35,280
Speaker 1: Don't worry sixty seven it was that will Okay, okay,

899
00:51:36,160 --> 00:51:38,759
Speaker 1: all right, sorry, we're gonna listen. They need to work

900
00:51:38,760 --> 00:51:44,680
Speaker 1: on the rock. It ain't no insulation outside. Yeah, we're

901
00:51:44,680 --> 00:51:49,799
Speaker 1: outside right now. Might as well. Yeah, So whose dream

902
00:51:49,880 --> 00:51:54,239
Speaker 1: is the American dream? Whose is it? Was it ever?

903
00:51:54,440 --> 00:51:58,520
Speaker 1: Black Americans? Personal? You know that? Girl? You know that?

904
00:51:59,000 --> 00:52:04,080
Speaker 2: I mean, they are right now rolling back they're you know,

905
00:52:04,200 --> 00:52:09,920
Speaker 2: kind of untightening rules around the Equal Employment Opportunity Commission.

906
00:52:10,160 --> 00:52:14,799
Speaker 2: They're making it more legal, you know, to discriminate and

907
00:52:14,920 --> 00:52:15,600
Speaker 2: to harass.

908
00:52:16,440 --> 00:52:22,400
Speaker 1: And that is because black women, I don't know, like

909
00:52:22,520 --> 00:52:24,600
Speaker 1: if you know, but you know, are one of the

910
00:52:24,680 --> 00:52:30,880
Speaker 1: most educated indes. We are. We are as black.

911
00:52:30,719 --> 00:52:36,440
Speaker 2: Women are gaining degrees like you know, collecting infinity stones,

912
00:52:36,520 --> 00:52:39,319
Speaker 2: you know what I mean. So the more that we

913
00:52:40,480 --> 00:52:44,719
Speaker 2: achieve in advance, the further the goal change change, right,

914
00:52:44,800 --> 00:52:47,880
Speaker 2: which is what we are always getting changed. So yeah,

915
00:52:48,239 --> 00:52:50,439
Speaker 2: we I mean, if anybody can do it, it's clear

916
00:52:50,440 --> 00:52:51,359
Speaker 2: that black women can do it.

917
00:52:51,400 --> 00:52:53,120
Speaker 1: We are single.

918
00:52:53,120 --> 00:52:56,680
Speaker 2: Black women are have a higher, much higher level of

919
00:52:56,719 --> 00:53:02,880
Speaker 2: home ownership than our counterparts, and so the goalpost is

920
00:53:02,920 --> 00:53:05,719
Speaker 2: going to get moved. This is this is not okay.

921
00:53:06,160 --> 00:53:08,479
Speaker 1: So even though they're turning, so you feel like they're

922
00:53:08,520 --> 00:53:12,319
Speaker 1: going back, like they're basically going back to our parents time, right,

923
00:53:12,360 --> 00:53:15,120
Speaker 1: But our parents didn't have to have a degree to

924
00:53:15,160 --> 00:53:17,200
Speaker 1: get a good job and get a house and all

925
00:53:17,200 --> 00:53:18,319
Speaker 1: that stuff. They didn't have to.

926
00:53:18,320 --> 00:53:21,359
Speaker 2: Yeah, right, I mean comparatively the amount of money that

927
00:53:21,400 --> 00:53:25,520
Speaker 2: people were making, you know versus the things that how

928
00:53:25,560 --> 00:53:29,680
Speaker 2: much things cost were a little more evenly in place.

929
00:53:29,880 --> 00:53:32,640
Speaker 1: But now things cost a whole bunch and we don't

930
00:53:32,680 --> 00:53:34,680
Speaker 1: make it. We're making shit. You got to have three,

931
00:53:35,000 --> 00:53:37,360
Speaker 1: three to four strengths of income just to survive.

932
00:53:38,560 --> 00:53:43,439
Speaker 2: So I think, especially with the administration right now, that

933
00:53:43,520 --> 00:53:46,440
Speaker 2: they are going to do everything that they can do

934
00:53:46,880 --> 00:53:51,040
Speaker 2: to prevent you know, our our advancement as as a

935
00:53:51,320 --> 00:53:55,719
Speaker 2: people unfortunately. But you know here in Charlotte, they're doing

936
00:53:55,760 --> 00:54:00,040
Speaker 2: all kinds of gentrification and kicking you know, the the

937
00:54:00,080 --> 00:54:05,000
Speaker 2: original you know, people who are in these neighborhoods, they're

938
00:54:05,040 --> 00:54:06,040
Speaker 2: replacing them and.

939
00:54:05,960 --> 00:54:06,640
Speaker 1: Moving them out.

940
00:54:07,480 --> 00:54:11,160
Speaker 2: And you know that's that's something that they are doing

941
00:54:11,200 --> 00:54:11,800
Speaker 2: on purpose.

942
00:54:12,080 --> 00:54:14,759
Speaker 1: You know, they're something they've been doing for a long,

943
00:54:14,840 --> 00:54:17,520
Speaker 1: long term. So you're a black woman who got into

944
00:54:17,560 --> 00:54:20,719
Speaker 1: real estate. I held a real estate license many moons ago,

945
00:54:21,239 --> 00:54:23,080
Speaker 1: but I realized you had to have money to do

946
00:54:23,160 --> 00:54:25,839
Speaker 1: real estate. I was in college at the time. I'm like, fuck,

947
00:54:25,880 --> 00:54:29,080
Speaker 1: I got money, wants shutters change on the house. To

948
00:54:29,120 --> 00:54:30,879
Speaker 1: sell this house, I got to be able to maybe

949
00:54:30,920 --> 00:54:32,759
Speaker 1: change the colors on it or something like out of

950
00:54:32,760 --> 00:54:35,719
Speaker 1: my pocket to sell the house. And you know, I mean,

951
00:54:36,239 --> 00:54:39,400
Speaker 1: if if you're that kind of realtor, then absolutely, you know,

952
00:54:40,040 --> 00:54:42,960
Speaker 1: but it might be you know what I'm saying, So

953
00:54:43,040 --> 00:54:47,480
Speaker 1: you're you know it is you know. I mean, you've

954
00:54:47,520 --> 00:54:51,080
Speaker 1: been spending your money changing, fixing the homestead. Are you

955
00:54:51,200 --> 00:54:54,080
Speaker 1: not having ave just having a desk in a relative

956
00:54:54,120 --> 00:54:56,000
Speaker 1: office and you're not selling ship. You still got to

957
00:54:56,000 --> 00:54:58,880
Speaker 1: pay those desk fees. So the most I'm gonna do

958
00:54:58,960 --> 00:55:00,759
Speaker 1: is put a bowl of limits. I heard something about

959
00:55:00,760 --> 00:55:09,120
Speaker 1: a bowl of limons make some cook. But I was

960
00:55:09,640 --> 00:55:12,720
Speaker 1: getting the point to where you're a black woman who

961
00:55:13,280 --> 00:55:16,080
Speaker 1: was who got into real estate. So is it really

962
00:55:16,480 --> 00:55:20,560
Speaker 1: that we're being replaced or are we possibly refusing to

963
00:55:20,640 --> 00:55:23,960
Speaker 1: understand financial literacy. We're just not in the game. A

964
00:55:23,960 --> 00:55:26,720
Speaker 1: lot of us have forfeited the game because the game

965
00:55:26,840 --> 00:55:30,680
Speaker 1: is if the game is gentrification, get in the game.

966
00:55:30,920 --> 00:55:33,360
Speaker 1: We need to be a part of gentrification, and stop

967
00:55:33,360 --> 00:55:35,520
Speaker 1: feeling it's something that's happened towards us because I'm a

968
00:55:35,560 --> 00:55:38,279
Speaker 1: nigga that like new shit. I don't like looking at

969
00:55:38,320 --> 00:55:41,680
Speaker 1: old rundown houses and trash. Even if you live in

970
00:55:41,680 --> 00:55:43,880
Speaker 1: a hood, you don't have to have trash ministreets. We

971
00:55:43,920 --> 00:55:48,120
Speaker 1: can do a better job of taking care of our neighborhoods. Also, right,

972
00:55:48,200 --> 00:55:50,759
Speaker 1: and we lose our grandma house because people don't have

973
00:55:50,800 --> 00:55:53,160
Speaker 1: financial literacy. You got a whole free house that y'all

974
00:55:53,160 --> 00:55:55,680
Speaker 1: just got to keep the taxes on amongst ten people,

975
00:55:55,719 --> 00:55:58,640
Speaker 1: and you can't do it right? Does that? I feel

976
00:55:58,640 --> 00:56:02,360
Speaker 1: like we blame too much on outside entities and we

977
00:56:02,400 --> 00:56:04,919
Speaker 1: don't look in the mirror enough. That's how I feel about.

978
00:56:06,640 --> 00:56:08,879
Speaker 1: If you can't pay your how are you paying text

979
00:56:08,920 --> 00:56:11,040
Speaker 1: to a grandma house? You know, saying all types of

980
00:56:11,120 --> 00:56:13,839
Speaker 1: other things. Sorry, we paid all types of other ship

981
00:56:13,880 --> 00:56:17,239
Speaker 1: Black people spend money on Collectively, them niggas got that

982
00:56:17,360 --> 00:56:21,120
Speaker 1: tax money, but they bought weed. They kept buying ten

983
00:56:21,360 --> 00:56:30,360
Speaker 1: ten blood. It's stressful everybody else. Why don't get was

984
00:56:30,440 --> 00:56:34,879
Speaker 1: just saying you want to they want to be high. Ideally, yeah,

985
00:56:35,880 --> 00:56:37,800
Speaker 1: ideally you should be able to do both, right, you

986
00:56:37,840 --> 00:56:41,160
Speaker 1: should be able to take care of grandma's house and

987
00:56:42,040 --> 00:56:45,799
Speaker 1: yet high. This is America. You should be able to

988
00:56:45,800 --> 00:56:49,799
Speaker 1: get high. Whatever you feel like, it is a luxury.

989
00:56:51,280 --> 00:56:55,400
Speaker 1: On that ship. All they would have sex because he

990
00:56:55,520 --> 00:57:03,160
Speaker 1: was high. Not everybody fruitful multiplied. A bottom line is

991
00:57:03,400 --> 00:57:06,160
Speaker 1: niggas like discipline. That is a bottom line me too.

992
00:57:07,440 --> 00:57:08,840
Speaker 1: I think it's okay. Let me tell you what I

993
00:57:08,840 --> 00:57:11,600
Speaker 1: think it is. First of all. First of all, in

994
00:57:11,600 --> 00:57:16,360
Speaker 1: in these areas that are dentifica gentrifer being gentrified. You

995
00:57:16,400 --> 00:57:23,040
Speaker 1: got gentrified, Thank you, Amen, you know what. Collect But

996
00:57:23,200 --> 00:57:27,840
Speaker 1: there is a there is neglect from the government, the cities.

997
00:57:27,880 --> 00:57:32,440
Speaker 1: They neglect the neighborhoods. And that's why that's where the

998
00:57:32,520 --> 00:57:35,320
Speaker 1: voting matters. It doesn't really matter when we get up

999
00:57:35,320 --> 00:57:37,720
Speaker 1: to president and all that. It's your local These are

1000
00:57:37,720 --> 00:57:40,720
Speaker 1: your natures, right, These are people who live in your district.

1001
00:57:41,160 --> 00:57:43,919
Speaker 1: Get on, they ask for sure. When black people get

1002
00:57:43,920 --> 00:57:48,000
Speaker 1: in these positions, they do the same underhanded dirty ship

1003
00:57:48,640 --> 00:57:50,800
Speaker 1: that the white folks. You see what I'm saying. So

1004
00:57:50,840 --> 00:57:54,520
Speaker 1: you still have that, Yeah, you're absolutely right.

1005
00:57:54,600 --> 00:57:57,360
Speaker 2: It is a lovable accountability that we have to hold,

1006
00:57:57,760 --> 00:58:00,200
Speaker 2: you know, our elective officials to that.

1007
00:58:00,240 --> 00:58:02,120
Speaker 1: We just don't. But we have to get better to

1008
00:58:02,160 --> 00:58:02,680
Speaker 1: that at that.

1009
00:58:03,040 --> 00:58:05,560
Speaker 2: But one word that I heard in twenty twenty five

1010
00:58:05,800 --> 00:58:12,439
Speaker 2: that I love is anti intellectualism black people. Yeah, intellectualism,

1011
00:58:12,600 --> 00:58:15,240
Speaker 2: And I love that, and I love that word. I

1012
00:58:15,280 --> 00:58:16,760
Speaker 2: don't know if that's always been a word or if

1013
00:58:16,800 --> 00:58:19,400
Speaker 2: it just came to the front, forefront on the tiktoks

1014
00:58:19,400 --> 00:58:22,400
Speaker 2: of it all, but I think that has a lot

1015
00:58:22,440 --> 00:58:28,160
Speaker 2: to do with it, because anti intellectualism to me, okay,

1016
00:58:28,160 --> 00:58:33,800
Speaker 2: so anti intellectualism. My understanding of it is that you

1017
00:58:34,400 --> 00:58:38,720
Speaker 2: feel like, because you have watched some YouTube videos and

1018
00:58:38,760 --> 00:58:41,200
Speaker 2: spend some time and you and maybe you've you know,

1019
00:58:41,320 --> 00:58:44,720
Speaker 2: gotten into reading about a certain subject, that you are

1020
00:58:44,760 --> 00:58:48,080
Speaker 2: now an expert, and that people who have spent their

1021
00:58:48,160 --> 00:58:54,440
Speaker 2: lives researching and understanding and and doing all these things,

1022
00:58:54,640 --> 00:58:57,720
Speaker 2: spending their lives and careers around this subject, you know

1023
00:58:57,880 --> 00:59:00,520
Speaker 2: just as much as them because you've been watching YouTube

1024
00:59:00,600 --> 00:59:04,280
Speaker 2: videos and and and thinking about it.

1025
00:59:03,600 --> 00:59:05,240
Speaker 1: I don't know it more. I thought it was more

1026
00:59:05,320 --> 00:59:08,480
Speaker 1: like when you said anti intellectualism, I was thinking more

1027
00:59:08,560 --> 00:59:11,680
Speaker 1: like black people as a collective, I don't like smart shit.

1028
00:59:12,320 --> 00:59:16,880
Speaker 1: That's what I thought black people, because we just definitely

1029
00:59:16,880 --> 00:59:19,560
Speaker 1: saying that black women are the most successful and the

1030
00:59:19,600 --> 00:59:22,240
Speaker 1: most black men say about black women who got degrees,

1031
00:59:23,200 --> 00:59:25,000
Speaker 1: it's like, we don't give a fuck about your degree.

1032
00:59:25,280 --> 00:59:28,240
Speaker 1: That's being anti intellectual. That's what I thought you meant

1033
00:59:28,320 --> 00:59:28,640
Speaker 1: by it.

1034
00:59:28,840 --> 00:59:34,240
Speaker 2: No, I mean like I mean like a general overconfidence

1035
00:59:34,400 --> 00:59:37,120
Speaker 2: in your understanding of a certain subject.

1036
00:59:37,200 --> 00:59:42,080
Speaker 1: Okay. Yeah, so like that's like me being anti the intellectual. Yeah,

1037
00:59:42,720 --> 00:59:47,760
Speaker 1: so that's like me saying I could do hair, like right,

1038
00:59:51,280 --> 00:59:53,560
Speaker 1: you know, I understand why you need to go to

1039
00:59:53,560 --> 00:59:55,840
Speaker 1: school and get a license to do it, because I

1040
00:59:55,880 --> 00:59:58,800
Speaker 1: do my own hair all the time. You know, who

1041
00:59:58,840 --> 01:00:03,959
Speaker 1: needs a chemicals who need to understand the science of hair?

1042
01:00:04,160 --> 01:00:08,880
Speaker 1: That's stupid, you know, That's okay? Okay, So to me,

1043
01:00:09,520 --> 01:00:10,040
Speaker 1: that is.

1044
01:00:10,000 --> 01:00:13,919
Speaker 2: Where the issue really lies is, you know because even

1045
01:00:13,920 --> 01:00:17,120
Speaker 2: if I and I am a chemistry degree ever, but

1046
01:00:17,200 --> 01:00:20,080
Speaker 2: I do not. I don't know anything about you know,

1047
01:00:20,200 --> 01:00:22,960
Speaker 2: the the chemical bonds and things of hair and all

1048
01:00:22,960 --> 01:00:25,640
Speaker 2: those things. So me, I could say, well, because I

1049
01:00:25,680 --> 01:00:28,479
Speaker 2: went to college, like I'm smart, I understand things.

1050
01:00:28,560 --> 01:00:32,080
Speaker 1: I have the understanding and ability to and bleach my

1051
01:00:32,120 --> 01:00:37,520
Speaker 1: hair because and I feel like it's kind of the

1052
01:00:37,560 --> 01:00:39,640
Speaker 1: same for literally everything else. Right.

1053
01:00:39,720 --> 01:00:43,280
Speaker 2: If if they're they're like, oh, you know, buying a

1054
01:00:43,320 --> 01:00:46,000
Speaker 2: house is stupid because then I got to take care of.

1055
01:00:45,960 --> 01:00:49,520
Speaker 1: The maintenance, yes, yes, okay, you know, or buying you know,

1056
01:00:49,560 --> 01:00:51,120
Speaker 1: I don't. I just don't understand the benefit of buying

1057
01:00:51,120 --> 01:00:53,400
Speaker 1: a house because you never really own it. Like, what

1058
01:00:53,440 --> 01:00:56,040
Speaker 1: are we talking about? Nothing? I mean, because they're talking

1059
01:00:56,040 --> 01:00:58,200
Speaker 1: about still having a pay taxes, but you got to

1060
01:00:58,200 --> 01:01:00,760
Speaker 1: pay taxes on everything. You know, there's some finesse you

1061
01:01:00,800 --> 01:01:02,280
Speaker 1: can do with that, but get the house first and

1062
01:01:02,320 --> 01:01:04,680
Speaker 1: then figure out, all right, do what you gotta do. Yeah,

1063
01:01:05,080 --> 01:01:07,760
Speaker 1: is the game. I mean, there's just there's just it

1064
01:01:07,800 --> 01:01:10,360
Speaker 1: can't That is the gateway too. But there is some bullshit.

1065
01:01:10,440 --> 01:01:13,360
Speaker 1: What about like imminent domain like they could Yeah, I

1066
01:01:13,360 --> 01:01:16,360
Speaker 1: mean absolutely that is and that's what they've been doing

1067
01:01:16,440 --> 01:01:18,600
Speaker 1: to black people if they can't even that's exactly.

1068
01:01:18,360 --> 01:01:20,200
Speaker 2: What that's what they're doing on seventy seven right now.

1069
01:01:20,480 --> 01:01:22,600
Speaker 2: They're trying to expand seventy seven and.

1070
01:01:22,720 --> 01:01:27,600
Speaker 1: They always then throughout neighborhoods and they are going to

1071
01:01:27,640 --> 01:01:31,760
Speaker 1: take these people's take these people's land. And the caveat

1072
01:01:31,920 --> 01:01:32,439
Speaker 1: is you.

1073
01:01:32,320 --> 01:01:35,320
Speaker 2: Know, you're gonna get paid a fair amount for your land.

1074
01:01:35,600 --> 01:01:37,360
Speaker 2: And if you and if you just don't accept it,

1075
01:01:37,400 --> 01:01:38,880
Speaker 2: then okay, we're just gonna take it.

1076
01:01:39,080 --> 01:01:41,400
Speaker 1: So, yeah, there is the we should just call this

1077
01:01:41,480 --> 01:01:46,760
Speaker 1: episode Gangland instead of the American. I mean, kind of

1078
01:01:49,320 --> 01:01:58,640
Speaker 1: get in the game or don't. But niggaly, that's crazy.

1079
01:01:58,280 --> 01:02:00,920
Speaker 2: If you if you are, whether you're in your own

1080
01:02:01,640 --> 01:02:04,720
Speaker 2: you're paying somebody's mortgage, you know.

1081
01:02:05,480 --> 01:02:06,960
Speaker 1: But I think a lot of people were put in

1082
01:02:06,960 --> 01:02:10,840
Speaker 1: a position to own multiple homes getting multiple mortgage paid

1083
01:02:11,400 --> 01:02:13,800
Speaker 1: off somebody else. So we missed the game if you

1084
01:02:13,800 --> 01:02:15,960
Speaker 1: didn't get into it. Yeah, you know, the longer you

1085
01:02:16,000 --> 01:02:18,320
Speaker 1: take to get in the game, the harder it is.

1086
01:02:18,360 --> 01:02:23,400
Speaker 1: The Airbnb game, all that shit, all of it. So

1087
01:02:23,440 --> 01:02:25,000
Speaker 1: I don't know, you gotta you just have to wear it.

1088
01:02:25,040 --> 01:02:28,040
Speaker 1: Happened to have the wherewithal back to the intellectual because

1089
01:02:28,040 --> 01:02:31,040
Speaker 1: somebody saying about me, right, I read a lot of shit.

1090
01:02:31,280 --> 01:02:33,400
Speaker 1: I always want to know about something, and I don't

1091
01:02:33,440 --> 01:02:36,400
Speaker 1: think that someone who like, say, you just said you

1092
01:02:36,440 --> 01:02:38,800
Speaker 1: do chemistry, right, tell me went to school for here.

1093
01:02:38,800 --> 01:02:41,959
Speaker 1: I've literally been doing here since I was in first grade,

1094
01:02:42,080 --> 01:02:44,360
Speaker 1: like for real, right, And a lot of what I

1095
01:02:44,400 --> 01:02:47,400
Speaker 1: know about here is trial and era. Right, So you

1096
01:02:47,560 --> 01:02:50,640
Speaker 1: haven't a chemistry degree, but you've never actually done the thing.

1097
01:02:51,160 --> 01:02:53,240
Speaker 1: I could very well say I do know more about

1098
01:02:53,240 --> 01:02:55,080
Speaker 1: this topic than you, just because I don't have the

1099
01:02:55,160 --> 01:02:58,720
Speaker 1: degree in the thing, I do know more about this topic.

1100
01:02:58,960 --> 01:03:01,000
Speaker 1: So I do think there's a that there's value that

1101
01:03:01,080 --> 01:03:05,960
Speaker 1: comes in with doing doing doing the thing, also reading

1102
01:03:06,000 --> 01:03:08,560
Speaker 1: the thing. And we know nowadays our generation these niggas

1103
01:03:08,600 --> 01:03:12,680
Speaker 1: is graduating off of chat GPT. Okay, so you don't

1104
01:03:12,720 --> 01:03:15,560
Speaker 1: know That's why I said, y'all take care of yourself,

1105
01:03:15,640 --> 01:03:17,520
Speaker 1: take care of your bodies. By the time we get old,

1106
01:03:17,600 --> 01:03:21,760
Speaker 1: all the doctors and nurses will be chat GPT. They

1107
01:03:21,800 --> 01:03:24,080
Speaker 1: ain't gonna know ship if they phone down bit you

1108
01:03:24,320 --> 01:03:30,840
Speaker 1: day like the people that's tired they did in the

1109
01:03:30,880 --> 01:03:41,520
Speaker 1: exam room. Everything exactly got it, you know, for the

1110
01:03:41,560 --> 01:03:44,000
Speaker 1: notes that the doctors use, they do use AI s

1111
01:03:44,440 --> 01:03:48,480
Speaker 1: ais like this is they got the robots doing the

1112
01:03:48,600 --> 01:03:51,200
Speaker 1: half the surgery. Now you know what I'm saying. So

1113
01:03:51,280 --> 01:03:53,880
Speaker 1: your best bet is to stay healthy because the good

1114
01:03:53,920 --> 01:03:57,920
Speaker 1: doctors are dead or retired. Old old man and the

1115
01:03:57,960 --> 01:04:01,680
Speaker 1: old ladies who actually was have to do here now

1116
01:04:01,920 --> 01:04:04,880
Speaker 1: like if they actually cured us, they wouldn't make money. Okay.

1117
01:04:04,960 --> 01:04:08,520
Speaker 1: So the dentist just got my mouth sucked up alive

1118
01:04:09,120 --> 01:04:11,640
Speaker 1: you know. Yeah, that's the thing.

1119
01:04:11,760 --> 01:04:15,120
Speaker 2: Just because somebody is a professional or has a degree,

1120
01:04:15,320 --> 01:04:19,440
Speaker 2: that doesn't necessarily mean that they're a good dentist or

1121
01:04:19,480 --> 01:04:21,320
Speaker 2: a good real or a good doctor.

1122
01:04:21,320 --> 01:04:27,320
Speaker 1: That doesn't change that at all, you know. So, yeah,

1123
01:04:27,560 --> 01:04:29,800
Speaker 1: and you know, you may have been doing it since

1124
01:04:29,840 --> 01:04:30,920
Speaker 1: first grade, but.

1125
01:04:31,480 --> 01:04:37,240
Speaker 2: Do you understand the intricacies about why something exists or

1126
01:04:37,280 --> 01:04:42,160
Speaker 2: why something the way that you do? So at times, yes,

1127
01:04:42,560 --> 01:04:46,440
Speaker 2: maybe experience can help get you to the level of

1128
01:04:46,480 --> 01:04:50,000
Speaker 2: someone who learned it and has also has the experience

1129
01:04:50,040 --> 01:04:53,040
Speaker 2: of combined learned knowledge and experience knowledge.

1130
01:04:53,080 --> 01:04:54,520
Speaker 1: So I mean, you know what I mean, It just

1131
01:04:54,560 --> 01:04:57,400
Speaker 1: it depends. It's like it's it's case my case. Everything

1132
01:04:57,520 --> 01:05:03,920
Speaker 1: is so average household excuse me, average house price right

1133
01:05:03,960 --> 01:05:07,960
Speaker 1: now is three hundred and sixty three thousand dollars in

1134
01:05:08,000 --> 01:05:13,440
Speaker 1: America or in America okay. And average rent is twenty

1135
01:05:13,480 --> 01:05:19,760
Speaker 1: seven hundred dollars nationally okay. Average student loan debt per

1136
01:05:19,960 --> 01:05:24,400
Speaker 1: borrower is forty thousand dollars. Okay. So that's our generation.

1137
01:05:24,880 --> 01:05:28,920
Speaker 1: They have us now. Not only do you have mortgage slavery,

1138
01:05:29,280 --> 01:05:32,560
Speaker 1: you have student loan slavery. The majority of our generation

1139
01:05:32,680 --> 01:05:35,120
Speaker 1: is in right now, you told your student. Let me

1140
01:05:35,160 --> 01:05:36,840
Speaker 1: just tell y'all this. When I go to the hospital

1141
01:05:36,880 --> 01:05:39,280
Speaker 1: and I write my address for them to I just

1142
01:05:39,320 --> 01:05:44,320
Speaker 1: put sixteen hundred Pennsylvania every time there, so that sit

1143
01:05:44,360 --> 01:05:48,680
Speaker 1: there and they carobably even look like Okay, that was

1144
01:05:48,720 --> 01:05:51,280
Speaker 1: like shit, because that's twenty years old. I don't even

1145
01:05:51,280 --> 01:05:56,959
Speaker 1: know what sixte that is hilarious. Okay, I gotta find

1146
01:05:57,000 --> 01:06:04,600
Speaker 1: that ship there minus sack hopeful wait, hopefully federal crimes

1147
01:06:04,720 --> 01:06:12,480
Speaker 1: in there right right for tammy for leg this was

1148
01:06:12,480 --> 01:06:16,520
Speaker 1: a joke, right mortgage rates? Oh wait? This is This

1149
01:06:16,560 --> 01:06:19,760
Speaker 1: is the student loan debt in the US average, I

1150
01:06:19,760 --> 01:06:22,160
Speaker 1: mean as a whole. I guess it's one point six

1151
01:06:22,240 --> 01:06:26,200
Speaker 1: to one point eight trillion in federal student student loan debt.

1152
01:06:26,680 --> 01:06:28,720
Speaker 1: So why are we paying ship? Because our government don't

1153
01:06:28,720 --> 01:06:32,960
Speaker 1: pay shit exactly like this. You have t about my

1154
01:06:33,080 --> 01:06:35,680
Speaker 1: credit what your credit looking like in the United States?

1155
01:06:36,320 --> 01:06:39,360
Speaker 1: The credit card so bank did have that money to

1156
01:06:39,400 --> 01:06:42,360
Speaker 1: give you? Anyway, show me on your damn balance sheet

1157
01:06:42,520 --> 01:06:45,640
Speaker 1: where you gave me twenty thousand dollars. I'll pay it

1158
01:06:45,720 --> 01:06:48,640
Speaker 1: back because when I spend money, I got to look

1159
01:06:48,680 --> 01:06:51,280
Speaker 1: at my balance and I see where twenty thousand was

1160
01:06:51,320 --> 01:06:54,680
Speaker 1: deductive I spend twenty thousand or something. They are creating

1161
01:06:54,720 --> 01:07:00,120
Speaker 1: money out of thin air. Imagineery. Okay, it's bullshitting. I

1162
01:07:00,280 --> 01:07:02,600
Speaker 1: r s the fans all of Myers. Y'all need to

1163
01:07:02,640 --> 01:07:05,000
Speaker 1: read that book at the Monster out of Jackal Eye

1164
01:07:05,000 --> 01:07:08,080
Speaker 1: the Island, because it tells you exactly how the Federal

1165
01:07:08,160 --> 01:07:12,960
Speaker 1: Reserve came about and how these people that own everything

1166
01:07:13,000 --> 01:07:16,840
Speaker 1: that you can't talk about, how they have us. This

1167
01:07:16,920 --> 01:07:21,160
Speaker 1: is just a slavery about the Titanic. Girl, Did they

1168
01:07:21,200 --> 01:07:23,720
Speaker 1: talk about the Titanic and apparently all that I don't

1169
01:07:23,720 --> 01:07:26,080
Speaker 1: know if that and that in that particular book. No,

1170
01:07:26,240 --> 01:07:28,760
Speaker 1: but yes, So what you talking about with the Titanic

1171
01:07:28,840 --> 01:07:32,200
Speaker 1: is how they faked the Titanic or they might it

1172
01:07:32,280 --> 01:07:37,040
Speaker 1: might have happened or may not. So two stories. So

1173
01:07:37,160 --> 01:07:40,880
Speaker 1: one side of the story is that the sidebar with

1174
01:07:42,080 --> 01:07:44,640
Speaker 1: it never actually sunk. The other side of it is

1175
01:07:44,720 --> 01:07:49,800
Speaker 1: that they intentionally sank it, sank it with these others

1176
01:07:49,840 --> 01:07:56,520
Speaker 1: who weren't wealthy reserve. So with the Federal Reserve, there

1177
01:07:56,600 --> 01:08:00,280
Speaker 1: used to be gold that backed every dollar. But now

1178
01:08:00,320 --> 01:08:02,840
Speaker 1: what the fuck has been on the gold standard since

1179
01:08:02,920 --> 01:08:06,360
Speaker 1: ron o'reagan? So now it's just paper. We decided it

1180
01:08:06,440 --> 01:08:09,600
Speaker 1: has value. And this is why people like Godafi was

1181
01:08:09,680 --> 01:08:13,120
Speaker 1: murdered by our government. Sorry to get into it, yeah,

1182
01:08:13,160 --> 01:08:15,160
Speaker 1: because he his people was set up. You know what

1183
01:08:15,160 --> 01:08:16,640
Speaker 1: I'm saying. He was trying to put their money back

1184
01:08:16,680 --> 01:08:20,320
Speaker 1: on the gold standard. Anybody who tries doing that, they

1185
01:08:20,360 --> 01:08:24,080
Speaker 1: take your outside of here. And so it's an idea.

1186
01:08:24,760 --> 01:08:27,559
Speaker 1: Our US dollar is an idea, just like crypto. Yeah,

1187
01:08:27,560 --> 01:08:31,639
Speaker 1: I'm about to say, like bitcoin, an idea that buy into.

1188
01:08:31,760 --> 01:08:35,880
Speaker 2: Because of all these tariffs and all this nonsense, other

1189
01:08:35,960 --> 01:08:39,599
Speaker 2: countries are looking to trade out outside of and leave.

1190
01:08:40,040 --> 01:08:42,879
Speaker 1: United State always had a false sense of like freedom.

1191
01:08:42,960 --> 01:08:45,880
Speaker 1: You know, we have always been we we paid the

1192
01:08:45,920 --> 01:08:48,360
Speaker 1: most to live here, but we pay for other people

1193
01:08:48,400 --> 01:08:51,880
Speaker 1: to live better in other countries for sure, other smaller

1194
01:08:51,920 --> 01:08:56,000
Speaker 1: countries that I won't mention. But we're in debt because

1195
01:08:56,040 --> 01:09:00,840
Speaker 1: of these places. Right. So I am America first because

1196
01:09:00,840 --> 01:09:03,479
Speaker 1: this is where the fuck we at right definitely. So

1197
01:09:03,520 --> 01:09:05,920
Speaker 1: if anybody I don't understand how an American, somebody who

1198
01:09:06,000 --> 01:09:08,080
Speaker 1: lives there, grew up in your whole family is from

1199
01:09:08,200 --> 01:09:12,120
Speaker 1: this land, would not be America first. We're struggling. We

1200
01:09:12,200 --> 01:09:15,040
Speaker 1: fucked up over here. It's homeless people. We have the

1201
01:09:15,240 --> 01:09:19,680
Speaker 1: largest prison population of the entire world. Most of our

1202
01:09:19,720 --> 01:09:21,000
Speaker 1: family members are in prison.

1203
01:09:21,479 --> 01:09:24,920
Speaker 2: Yeah, I don't think black people have the luxury of

1204
01:09:25,080 --> 01:09:31,639
Speaker 2: considering other nations outside of America. We're not even considering America.

1205
01:09:31,680 --> 01:09:33,920
Speaker 2: We got to consider ourselves, and we got to consider

1206
01:09:34,000 --> 01:09:34,680
Speaker 2: our neighborhood.

1207
01:09:36,960 --> 01:09:43,720
Speaker 1: Start. You got to Charleston first. Start there, Start with

1208
01:09:43,800 --> 01:09:46,760
Speaker 1: your house. Because we black people in America are on

1209
01:09:46,840 --> 01:09:50,479
Speaker 1: an island by ourselves, and so many movements have been

1210
01:09:50,520 --> 01:09:53,880
Speaker 1: built off the backs of things that we've done civil rights.

1211
01:09:53,920 --> 01:09:55,920
Speaker 1: Other people coming to this country based on ship we

1212
01:09:55,960 --> 01:09:58,040
Speaker 1: did with civil rights. Our people died in the streets,

1213
01:09:58,120 --> 01:10:01,000
Speaker 1: not theirs, and then they come and they ask us

1214
01:10:01,000 --> 01:10:04,599
Speaker 1: to stand in solidarity with them. I just I've never

1215
01:10:04,640 --> 01:10:07,719
Speaker 1: been to somebody. I've never had anybody say anything racially

1216
01:10:07,760 --> 01:10:11,240
Speaker 1: towards me, other than a white Hispanic man when I

1217
01:10:11,280 --> 01:10:15,919
Speaker 1: was like ten, he called me a four monkey. That happened.

1218
01:10:17,880 --> 01:10:20,240
Speaker 1: So I think there's mechanisms that have been put in

1219
01:10:20,280 --> 01:10:22,800
Speaker 1: place to make us hate each other, may make us

1220
01:10:22,800 --> 01:10:27,719
Speaker 1: hate the white man. I think sometimes now the black

1221
01:10:27,760 --> 01:10:31,439
Speaker 1: woman is the man to black men. Like it's just

1222
01:10:31,560 --> 01:10:34,479
Speaker 1: it's all fucked up, and it's really like, we just

1223
01:10:34,520 --> 01:10:36,439
Speaker 1: got to get back to Michael Jackson. Man, it starts

1224
01:10:36,479 --> 01:10:44,400
Speaker 1: with the man in the mirroring the baby. Don't have

1225
01:10:44,479 --> 01:10:54,040
Speaker 1: the baby say that. That's my soap box, Jackie. If

1226
01:10:54,080 --> 01:10:56,640
Speaker 1: there's anything that you want to leave the people with

1227
01:10:56,720 --> 01:10:59,120
Speaker 1: that are ready to buy a home or going into

1228
01:10:59,400 --> 01:11:01,840
Speaker 1: foreclothes are just whatever you want to leave people with,

1229
01:11:02,160 --> 01:11:03,120
Speaker 1: let's go. Let's hear it.

1230
01:11:04,080 --> 01:11:07,080
Speaker 2: Do what you can afford, you know, do whatever it

1231
01:11:07,120 --> 01:11:10,040
Speaker 2: is that you can afford for me. I am not

1232
01:11:10,120 --> 01:11:13,920
Speaker 2: the type of person who is going to try to

1233
01:11:13,960 --> 01:11:16,040
Speaker 2: convince you to do something that you're not ready to do.

1234
01:11:16,600 --> 01:11:21,200
Speaker 2: If I'm not trying to talk you into it, you know,

1235
01:11:21,280 --> 01:11:23,720
Speaker 2: if it is your goal, I want to be a resource.

1236
01:11:24,400 --> 01:11:27,320
Speaker 2: The realtor you choose should be a resource, should be

1237
01:11:27,400 --> 01:11:30,599
Speaker 2: a wealth of knowledge and connection so that they can

1238
01:11:30,640 --> 01:11:32,360
Speaker 2: get done for you whatever.

1239
01:11:32,000 --> 01:11:34,799
Speaker 1: You need done in your particular situation.

1240
01:11:35,479 --> 01:11:39,240
Speaker 2: Get some education, you know, if your aunt is a realtor,

1241
01:11:39,600 --> 01:11:41,919
Speaker 2: you can always call me. If you don't know one,

1242
01:11:42,280 --> 01:11:46,840
Speaker 2: but talk to a subject matter expert, because you don't

1243
01:11:46,920 --> 01:11:50,400
Speaker 2: know everything. I bought a house without being a realtor

1244
01:11:50,439 --> 01:11:52,479
Speaker 2: on my own, bought and told a couple of.

1245
01:11:52,479 --> 01:11:53,639
Speaker 1: Houses without a realtor.

1246
01:11:53,920 --> 01:11:56,120
Speaker 2: And when I went to school and learned all the

1247
01:11:56,120 --> 01:11:58,639
Speaker 2: things and then got into it and learned on the job.

1248
01:11:58,720 --> 01:12:02,040
Speaker 2: I was like, wow, I you know, I missed out.

1249
01:12:02,120 --> 01:12:04,519
Speaker 2: I got I definitely got finessed, you know what I mean.

1250
01:12:04,520 --> 01:12:07,200
Speaker 1: And I thought I was like, oh yeah, to get

1251
01:12:07,200 --> 01:12:13,280
Speaker 1: you what you said, contact to you? How can they

1252
01:12:13,280 --> 01:12:15,280
Speaker 1: do that? So you can call me?

1253
01:12:15,840 --> 01:12:17,880
Speaker 2: My phone number is nine A oh two five nine

1254
01:12:18,120 --> 01:12:22,320
Speaker 2: sixteen oh six, or I'm on Instagram Carolina's Homegirl.

1255
01:12:22,920 --> 01:12:26,000
Speaker 1: So yeah, that's you can DM me whatever you need

1256
01:12:26,040 --> 01:12:26,200
Speaker 1: to do.

1257
01:12:26,520 --> 01:12:30,800
Speaker 2: I'm available and so whenever you are, you know, going

1258
01:12:30,840 --> 01:12:31,400
Speaker 2: through the process.

1259
01:12:31,600 --> 01:12:34,280
Speaker 1: And if you prefer to rent, you know what I mean, rent,

1260
01:12:34,320 --> 01:12:36,759
Speaker 1: I can help you with that too. So buying, selling,

1261
01:12:36,880 --> 01:12:40,800
Speaker 1: and leasing, I do it all. All right, clock now,

1262
01:12:41,560 --> 01:12:45,719
Speaker 1: I know you've heard the show, so no you know, Okay,

1263
01:12:45,960 --> 01:12:48,120
Speaker 1: then we're going to ask you for a dumbich story.

1264
01:12:48,200 --> 01:12:54,880
Speaker 1: I'm gonna embarrass myself. Okay, listen, listen, all right, right,

1265
01:12:56,520 --> 01:12:58,200
Speaker 1: you know this is the safe space. But wait, we're

1266
01:12:58,200 --> 01:13:00,240
Speaker 1: gonna go to commercial. We'll be right back and we're

1267
01:13:00,240 --> 01:13:08,360
Speaker 1: gonna get to that story. Okay, we'll be right back, y'all. Alright,

1268
01:13:08,360 --> 01:13:15,000
Speaker 1: we be okay, and we're bad y'all. All right, let's imagine,

1269
01:13:16,160 --> 01:13:20,360
Speaker 1: let's get into your story. Time to breathe.

1270
01:13:20,960 --> 01:13:24,680
Speaker 2: So this was probably ten years ago, but this has

1271
01:13:24,720 --> 01:13:27,800
Speaker 2: to be probably hands down one of my dumbest, dumbest bitch,

1272
01:13:27,840 --> 01:13:28,719
Speaker 2: dumb bitch moments.

1273
01:13:29,600 --> 01:13:32,160
Speaker 1: So I was dating this guy. We were we were

1274
01:13:32,200 --> 01:13:35,680
Speaker 1: off and on, but we were like generally serious. That

1275
01:13:35,760 --> 01:13:40,800
Speaker 1: was my man, and we were generally committed. And I

1276
01:13:40,920 --> 01:13:47,719
Speaker 1: committed relationship how you know, often most of the time

1277
01:13:48,120 --> 01:13:50,760
Speaker 1: of the time, but you know how it goes. You

1278
01:13:50,800 --> 01:13:53,200
Speaker 1: get mad and you'd be like, I'm done, and then

1279
01:13:53,680 --> 01:13:56,599
Speaker 1: you know, be right back together because that's my man. Fine.

1280
01:13:57,439 --> 01:14:00,840
Speaker 1: So anyway, we had a little break, came back and

1281
01:14:00,880 --> 01:14:04,720
Speaker 1: you know, one thing led to another, and you know,

1282
01:14:04,840 --> 01:14:07,880
Speaker 1: I miss my little period and I was like, oh

1283
01:14:07,920 --> 01:14:11,439
Speaker 1: my god, hold on now, I'm twenty four, twenty five

1284
01:14:11,520 --> 01:14:14,519
Speaker 1: or something like that, and I'm freaking out because I'm like,

1285
01:14:15,320 --> 01:14:17,920
Speaker 1: you know, we're that's my man most of the time,

1286
01:14:18,200 --> 01:14:18,880
Speaker 1: you know what I mean.

1287
01:14:19,400 --> 01:14:22,600
Speaker 2: So I'm like terrified. So I'm like, okay, let me

1288
01:14:22,640 --> 01:14:23,519
Speaker 2: go talk to him.

1289
01:14:23,360 --> 01:14:26,240
Speaker 1: And tell him. So I meet up with him and

1290
01:14:27,160 --> 01:14:29,760
Speaker 1: I'm like, I can't even get it out. I got

1291
01:14:29,800 --> 01:14:31,799
Speaker 1: my little I got it in a little plastic baggy

1292
01:14:32,120 --> 01:14:39,240
Speaker 1: and I'm just like and he's like shocked, right, So

1293
01:14:39,280 --> 01:14:41,040
Speaker 1: he immediately goes into.

1294
01:14:42,360 --> 01:14:44,200
Speaker 2: I'm not ready to be a dad. Mind you, this

1295
01:14:44,240 --> 01:14:48,160
Speaker 2: is the man with teenagers. So he's like, I'm not

1296
01:14:48,200 --> 01:14:50,640
Speaker 2: ready to be a dad again.

1297
01:14:50,800 --> 01:14:53,040
Speaker 1: You're not ready to be a mom And I'm like

1298
01:14:53,360 --> 01:14:55,439
Speaker 1: I'm and I'm like, I know, I'm not, like I

1299
01:14:55,479 --> 01:14:58,720
Speaker 1: don't want to do this either, like I mean, you know,

1300
01:14:59,120 --> 01:15:00,880
Speaker 1: not yet. So I was like, I mean, I don't shoot,

1301
01:15:00,880 --> 01:15:03,400
Speaker 1: I should not. I don't know. I'm young, I'm cool,

1302
01:15:03,400 --> 01:15:06,840
Speaker 1: i'm him, i'm skinny, all the things we think about.

1303
01:15:07,240 --> 01:15:11,840
Speaker 2: Yeah, and so I was like, okay, fine whatever, like

1304
01:15:11,880 --> 01:15:14,000
Speaker 2: and also I don't want to deal with no man

1305
01:15:14,040 --> 01:15:14,720
Speaker 2: who don't want me.

1306
01:15:14,680 --> 01:15:17,240
Speaker 1: To have it. I was like I ain't that girl,

1307
01:15:17,439 --> 01:15:19,559
Speaker 1: you know what I mean, Like I have to be

1308
01:15:19,600 --> 01:15:22,720
Speaker 1: a great mom. So you know, I did what I

1309
01:15:22,760 --> 01:15:26,160
Speaker 1: needed to do. So after that we kind of broke

1310
01:15:26,240 --> 01:15:28,200
Speaker 1: up because I was like, okay't you know mess with

1311
01:15:28,200 --> 01:15:30,439
Speaker 1: no men like don't want to don't want to be

1312
01:15:30,479 --> 01:15:33,960
Speaker 1: with me, like I'm insane. So then like during Christmas

1313
01:15:33,960 --> 01:15:35,920
Speaker 1: New Year's here go my mom. You know you don't

1314
01:15:35,960 --> 01:15:38,599
Speaker 1: want to hold grudges. She wasn't necessarily talking about him,

1315
01:15:38,640 --> 01:15:40,920
Speaker 1: but you know, she was just we were just having

1316
01:15:40,920 --> 01:15:42,920
Speaker 1: a conversation. So I was like, you know, okay, cool.

1317
01:15:43,200 --> 01:15:44,880
Speaker 1: So I was like, it's a new year or whatever.

1318
01:15:45,439 --> 01:15:49,439
Speaker 1: You know, I'll talk to him, get him, Mama, go ahead.

1319
01:15:50,880 --> 01:15:54,439
Speaker 1: It a dumb bitch story. She didn't know, she didn't

1320
01:15:54,479 --> 01:15:56,200
Speaker 1: know you was going back to. She didn't know. She

1321
01:15:56,520 --> 01:15:58,960
Speaker 1: had nothing to do with her. That was me. This

1322
01:15:59,080 --> 01:16:02,280
Speaker 1: is my in that advice mind to some boot um

1323
01:16:02,400 --> 01:16:08,480
Speaker 1: bitch story. Okay, this has nothing to do with Gloria.

1324
01:16:08,800 --> 01:16:09,599
Speaker 1: I love you, mom.

1325
01:16:09,640 --> 01:16:12,479
Speaker 2: If you see this, the girl I was being a

1326
01:16:12,560 --> 01:16:15,720
Speaker 2: dumb bitch. So anyway, I'm like, okay, fine whatever, I'll

1327
01:16:15,720 --> 01:16:17,600
Speaker 2: go talk to him whatever. So we go out, we

1328
01:16:17,640 --> 01:16:19,519
Speaker 2: have a good time. We saw we go to a

1329
01:16:19,680 --> 01:16:25,080
Speaker 2: just larious show. Okay, comedy show and old this this was.

1330
01:16:25,160 --> 01:16:28,639
Speaker 1: How old are you right now? I'm thirty four, Okayesselario

1331
01:16:28,680 --> 01:16:32,000
Speaker 1: has been out for ten years twenty sixteen, Oh shit,

1332
01:16:33,560 --> 01:16:36,720
Speaker 1: going by. You don't sound like ten years ago? What

1333
01:16:36,800 --> 01:16:39,439
Speaker 1: it was? Yeah, so maybe it was like eight ish

1334
01:16:39,560 --> 01:16:41,800
Speaker 1: years ago. Maybe I was maybe I was twenty six

1335
01:16:41,880 --> 01:16:44,639
Speaker 1: or something like that. Anyway, so don't be doing man

1336
01:16:47,080 --> 01:16:52,160
Speaker 1: down just aloud. So anyway, it goes well.

1337
01:16:52,240 --> 01:16:55,200
Speaker 2: So we go we go to dinner again, and we're

1338
01:16:55,240 --> 01:16:58,280
Speaker 2: out with the kids and his best friend at this place,

1339
01:16:58,600 --> 01:17:01,080
Speaker 2: at this place. So they he's like, we gotta leave.

1340
01:17:01,960 --> 01:17:04,720
Speaker 2: We they leave. He's like, let's go back inside and

1341
01:17:04,760 --> 01:17:06,080
Speaker 2: have another drink. I'm like, okay, cool.

1342
01:17:06,120 --> 01:17:06,360
Speaker 1: You know.

1343
01:17:06,840 --> 01:17:12,800
Speaker 2: We get inside and he immediately is like and he's

1344
01:17:12,880 --> 01:17:14,840
Speaker 2: like clearly clearly stressed about something.

1345
01:17:14,840 --> 01:17:18,120
Speaker 1: You know, how to do the the hair like she

1346
01:17:18,439 --> 01:17:20,160
Speaker 1: I'm like, okay, what is it? Spit it out what

1347
01:17:20,200 --> 01:17:23,400
Speaker 1: it is? He was like a little bit. I'm getting

1348
01:17:23,439 --> 01:17:28,679
Speaker 1: mad a little bit because I feel like so he

1349
01:17:28,920 --> 01:17:30,880
Speaker 1: so he sits me down, he's talking. I'm like what.

1350
01:17:31,160 --> 01:17:35,880
Speaker 1: So he finally he spits it out. He's like, I

1351
01:17:35,960 --> 01:17:42,519
Speaker 1: just had a baby. Oh this motherfucker and she's white.

1352
01:17:43,240 --> 01:17:47,120
Speaker 1: The mom is white. Ship That's what he said though,

1353
01:17:47,360 --> 01:17:56,240
Speaker 1: And I was like, why would you add that? But

1354
01:17:57,160 --> 01:18:00,120
Speaker 1: that does you know? It was bad at something? He

1355
01:18:00,200 --> 01:18:02,320
Speaker 1: need to buy something, like he's just out here getting

1356
01:18:02,320 --> 01:18:08,880
Speaker 1: white bitches pregnant girl, like you try to buy house.

1357
01:18:11,320 --> 01:18:18,640
Speaker 1: I'm fighting for my wife out here. So I'm like,

1358
01:18:18,760 --> 01:18:21,080
Speaker 1: oh no, so of course it did.

1359
01:18:21,120 --> 01:18:24,360
Speaker 2: I'm like, oh my god, so so of course I

1360
01:18:24,439 --> 01:18:27,960
Speaker 2: do the math right. And three months before is when

1361
01:18:28,000 --> 01:18:32,519
Speaker 2: I was like, and he was telling me how he

1362
01:18:32,600 --> 01:18:33,480
Speaker 2: wasn't ready.

1363
01:18:33,160 --> 01:18:37,639
Speaker 1: To be an appearent again, and I was like, bitch,

1364
01:18:38,160 --> 01:18:42,439
Speaker 1: you just had two women pregnant, but you're not ready

1365
01:18:42,720 --> 01:18:45,120
Speaker 1: and you just didn't want you know, you didn't want

1366
01:18:45,120 --> 01:18:47,439
Speaker 1: to have both you did, so you knew that like

1367
01:18:47,640 --> 01:18:51,200
Speaker 1: me being she was too far along exactly. So she

1368
01:18:51,280 --> 01:18:53,080
Speaker 1: was six months you had. You had a lady six

1369
01:18:53,160 --> 01:18:55,400
Speaker 1: months pregnant when I told you I was pregnant, and

1370
01:18:55,400 --> 01:18:58,400
Speaker 1: you just raw dog and skating and don't want to

1371
01:18:58,400 --> 01:19:05,120
Speaker 1: be a dad age babe. You were sharing dick with

1372
01:19:05,280 --> 01:19:09,800
Speaker 1: a bigee. Yeah that one that said one that says

1373
01:19:09,960 --> 01:19:16,680
Speaker 1: nigga girl, a white girl that says nigga. Yeah. Oh,

1374
01:19:16,720 --> 01:19:18,320
Speaker 1: he didn't have like a good white girl. He had

1375
01:19:18,360 --> 01:19:22,160
Speaker 1: like a a nigga white girl. I mean, of all

1376
01:19:22,280 --> 01:19:25,360
Speaker 1: people in the whole entire world. So suret cut like

1377
01:19:25,400 --> 01:19:29,160
Speaker 1: a bob like she had. She was a blonde girl.

1378
01:19:29,280 --> 01:19:31,559
Speaker 1: I don't know she was blonde. She had like you know,

1379
01:19:31,600 --> 01:19:34,240
Speaker 1: the grown out roots where it's just like black and

1380
01:19:34,280 --> 01:19:41,200
Speaker 1: then oh wow, one of those It was extremely embarrassing. Okay, Anyway,

1381
01:19:41,320 --> 01:19:48,200
Speaker 1: so I said, you say you keep sucking with him.

1382
01:19:48,560 --> 01:19:50,880
Speaker 1: You bought the baby a gift? You bought you bought

1383
01:19:50,880 --> 01:19:59,400
Speaker 1: a baby shot a gift? Like usually we had to add, Okay,

1384
01:19:59,520 --> 01:20:02,040
Speaker 1: where is the I'm bitch part? Like we missed it?

1385
01:20:02,240 --> 01:20:09,200
Speaker 1: She said it so quick and then I sat for

1386
01:20:09,280 --> 01:20:13,519
Speaker 1: a year. Oh, but that happens when you got your

1387
01:20:13,560 --> 01:20:19,479
Speaker 1: emotions and feelings involved, you stick around, Lauria, I'm glorrying

1388
01:20:19,560 --> 01:20:22,120
Speaker 1: like that, Glory. I have nothing new with that ship

1389
01:20:23,000 --> 01:20:28,519
Speaker 1: on earth. Gloria was, yeah, you play with play with

1390
01:20:28,520 --> 01:20:31,519
Speaker 1: her baby. Well I get it, but did you buy

1391
01:20:31,680 --> 01:20:34,800
Speaker 1: gifts for the baby? Oh? What usn't talking all the time?

1392
01:20:35,880 --> 01:20:38,519
Speaker 1: She was gonna say no, no, girl, I did. I

1393
01:20:38,560 --> 01:20:47,920
Speaker 1: was doing everything. Yeah, I was now over there. Thank

1394
01:20:47,960 --> 01:20:51,280
Speaker 1: you on the internet. See d see what's wrong with

1395
01:20:51,320 --> 01:20:53,960
Speaker 1: black women? Y'all having sex, y'all having babies with the

1396
01:20:54,000 --> 01:21:00,360
Speaker 1: ten percent of men that's making babies talking points. Well,

1397
01:21:00,400 --> 01:21:05,960
Speaker 1: it's okay, we've been there past. Yeah, that's two years ago. Amen.

1398
01:21:06,360 --> 01:21:09,679
Speaker 1: Amen you thank God for growth. He was a white

1399
01:21:09,920 --> 01:21:10,640
Speaker 1: enough on me.

1400
01:21:15,000 --> 01:21:17,880
Speaker 3: She wasn't white enough one of the white girls in

1401
01:21:18,000 --> 01:21:25,719
Speaker 3: the episode, right, and you got here.

1402
01:21:28,080 --> 01:21:32,840
Speaker 1: That that was a good story. Thank you. Okay, only

1403
01:21:33,120 --> 01:21:36,080
Speaker 1: very close friends and family know that one well, not

1404
01:21:36,120 --> 01:21:43,160
Speaker 1: no more. You know you'recome. My judgment is much better. Okay,

1405
01:21:43,600 --> 01:21:46,960
Speaker 1: it's very relatables, a relatable story. I know you already

1406
01:21:46,960 --> 01:21:49,439
Speaker 1: gave your contact. Given one more time, we'll get up

1407
01:21:49,439 --> 01:21:52,679
Speaker 1: out of here. Okay, everyone know that. All listen listeners

1408
01:21:52,720 --> 01:21:55,479
Speaker 1: know where they can find you and plug everything, anything

1409
01:21:55,520 --> 01:21:56,040
Speaker 1: and everything.

1410
01:21:56,240 --> 01:22:01,680
Speaker 2: Okay, So you can find me on Instagram. My professional

1411
01:22:01,960 --> 01:22:06,320
Speaker 2: instagram is Carolina's Homegirl. But I'm also also have a

1412
01:22:06,360 --> 01:22:08,240
Speaker 2: personal instagram. If you just want to see what I

1413
01:22:08,280 --> 01:22:12,320
Speaker 2: have going on, it's at Jackie Underscore m L y

1414
01:22:12,640 --> 01:22:15,880
Speaker 2: n N. So it's Jackie Underscore Malin And then you

1415
01:22:15,920 --> 01:22:18,800
Speaker 2: can give me a call. My number is nine eight

1416
01:22:19,040 --> 01:22:23,680
Speaker 2: oh two five nine sixteen o six and that's me.

1417
01:22:23,960 --> 01:22:26,160
Speaker 1: You can you can find me there. Don't call her

1418
01:22:26,200 --> 01:22:29,719
Speaker 1: with no bullshit, y'all. Don't her do not a house. Yes,

1419
01:22:29,880 --> 01:22:32,880
Speaker 1: do not call me on nonsense. This It is. I

1420
01:22:32,920 --> 01:22:38,880
Speaker 1: am a professional, okay, except for on my Jackie Instagram. Yeah,

1421
01:22:39,040 --> 01:22:43,240
Speaker 1: but most of that is going to close first. Yeah,

1422
01:22:43,600 --> 01:22:49,000
Speaker 1: I don't have to follow you Jackie. All y'all great,

1423
01:22:49,040 --> 01:22:51,720
Speaker 1: You are so welcome, Thank you, thank you, ladies. This

1424
01:22:51,760 --> 01:22:56,200
Speaker 1: has been amazing. I had a blast good, good, all right, y'all.

1425
01:22:56,200 --> 01:22:58,639
Speaker 1: If you enjoyed this episode, y'all tune in every Thursday

1426
01:22:58,640 --> 01:23:01,080
Speaker 1: on the iHeartRadio, Apple, whereever the fuck you get your

1427
01:23:01,080 --> 01:23:04,479
Speaker 1: podcasts at. This is your co host, AJ Holiday two

1428
01:23:04,560 --> 01:23:07,880
Speaker 1: point zero on Instagrams. Kick It Tam, y'all's official Tam

1429
01:23:07,920 --> 01:23:11,200
Speaker 1: Bam on Instagram. Y'all follow me there, Follow us at

1430
01:23:11,280 --> 01:23:16,280
Speaker 1: We talk Back Podcast. Remember speak now and never hold

1431
01:23:16,320 --> 01:23:20,840
Speaker 1: your American dream. It is attainable, period amen. Clock it.

1432
01:23:23,360 --> 01:23:27,240
Speaker 1: We talk Back Podcast is the production of iHeartRadio. Visit

1433
01:23:27,280 --> 01:23:31,120
Speaker 1: the iHeartRadio app, Apple Podcasts, or wherever you listen to

1434
01:23:31,160 --> 01:23:32,040
Speaker 1: your favorite shows.