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Speaker 1: Hey, hey, hey, new Year, New year, new you.

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Speaker 2: Yeah, well I feel like, you know, New Year's saying me,

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Speaker 2: well no, well, well yeah, I don't know. How was

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Speaker 2: your New Year?

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Speaker 1: My New Year was great. I'm finally in the house.

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Speaker 1: By the way, Hey guys, Happy New Year. It's Mandy

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Speaker 1: and Tiffany with Brown Ambition.

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Speaker 2: Yesk me, I forgot. I'm so rude. I'm like, hey, Mandy,

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Speaker 2: how are you? Oh hey, Brown Ambition listeners? My bad?

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Speaker 1: Did you guys forget us? We missed two episodes.

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Speaker 2: I know people were like, so where have you been?

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Speaker 2: We've been here living our best life. Mandy's in the house.

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Speaker 1: Right, I'm in a house. Yeah, my house looks really beautiful.

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Speaker 1: We're like ninety eight percent done. I have realized that

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Speaker 1: it's nothing like HG TV. I mean I already realized that,

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Speaker 1: but in terms of like the moment when you walk

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Speaker 1: in and you've been kicked out for a week and

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Speaker 1: you come in and everything is perfect, that doesn't happen

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Speaker 1: in real life.

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Speaker 2: No bra.

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Speaker 1: Over the holidays, I was telling tiff like, I had

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Speaker 1: to host my family and my husband's family, and I

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Speaker 1: had no countertop, no dishwasher, no stovetop, no sink no,

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Speaker 1: no sink in the kitchen no, no nothing, no silverware no,

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Speaker 1: because everything, Because you have to understand, like we moved

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Speaker 1: into the house in April, but we never really unpacked

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Speaker 1: because we knew we were going to do a renovation,

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Speaker 1: and when the renovation happened, we like got out of there.

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Speaker 1: And this is this was like us unpacking the house

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Speaker 1: plus building furniture and yours your your your best, you know,

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Speaker 1: most smartest podcast friend here decided to plan a housewarming

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Speaker 1: party for New Year's and she thought that she was

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Speaker 1: going to have a Christmas party and yeah, I still

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Speaker 1: had my family over, but I had to cancel all

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Speaker 1: planned functions except for the essential people.

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Speaker 2: You did what you're what the kids called the most.

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Speaker 1: I try, but like you get so excited, it didn't

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Speaker 1: seem like that big of a deal. In November, my

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Speaker 1: contractor was like, yeah, yeah, yeah, Christmas. What he meant

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Speaker 1: was Christmas, you'll have like, you know, we had the

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Speaker 1: essentials we could move in and everything, but also just

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Speaker 1: you have no idea what it takes to build. So

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Speaker 1: we were building so much furniture, like the packaging. Our

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Speaker 1: whole yard until today was just the backyard was filled

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Speaker 1: with boxes and styrofoam, and I'm like, so sorry, Mother Earth.

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Speaker 1: We promised we were re cycling it, but like the

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Speaker 1: amount of packaging that these everything would come in from

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Speaker 1: like a lamp to a you know, a bed frame

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Speaker 1: was insane. But I know my way around a drill

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Speaker 1: gun right now, So holler if you need any help.

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Speaker 2: That's one thing about renovating it, like you become like

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Speaker 2: a semi pro. You're like, oh no, that's the installation.

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Speaker 2: It really needs to be packed tightly because you're like,

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Speaker 2: where did I learn these things?

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Speaker 1: Yes, if you guys are doing home renovation projects, here's

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Speaker 1: a free, free tip is to go to PBS dot

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Speaker 1: org or like YouTube and watch this old house. It's

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Speaker 1: the best because they actually my husband's obsessed with it.

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Speaker 1: But it's this It's been on the on the air

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Speaker 1: for decades. But I feel like if you're doing any

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Speaker 1: kind of home improvement, they have an episode for everything,

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Speaker 1: and like just just YouTube in general, I mean obviously

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Speaker 1: not for electrical and stuff, but for little things. I mean,

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Speaker 1: we learned how to do so much just from watching

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Speaker 1: just watching YouTube.

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Speaker 2: Yeah, you university in the house, huh.

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Speaker 1: Yeah, but it was good. What did you do over

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Speaker 1: the holiday.

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Speaker 2: My holiday was pretty chill, like I Christmas was nice,

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Speaker 2: hung out, my family, my my niece is my nephew.

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Speaker 2: That's like, you know, I feel like Christmas is so

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Speaker 2: a kid's holiday now. So Superman and I I'm like,

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Speaker 2: thank god he doesn't this the podcast because Superman and

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Speaker 2: I said, we're not going to exchange gifts. So what

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Speaker 2: does that mean to you, Mandy? When you're not going

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Speaker 2: to exchange gifts.

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Speaker 1: You better get me something?

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Speaker 2: No, Oh my god, you are on his side. I

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Speaker 2: was like, Christmas. He he he whips out this watch

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Speaker 2: for me and I'm looking and I him like, oh

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Speaker 2: my god, I didn't get him anything.

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Speaker 1: Okay, awkward because.

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Speaker 2: We said I must have said it like fifteen to

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Speaker 2: an exchanging gifts, right, No, because we're working on the house. Yes,

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Speaker 2: so we're not exchanging gifts. No, so you're sure. So

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Speaker 2: I'm like, wait, why is this here? I was like, so,

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Speaker 2: I it was so awkward. I'm not gonna lie. He

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Speaker 2: had a little bit of a tude. I was like,

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Speaker 2: what's your problem.

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Speaker 1: He's like nothing, I mean with your family or just

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Speaker 1: the two like this is.

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Speaker 2: Just like you know, Supergirl had opened her gifts you know,

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Speaker 2: it was upstairs, like you know, like rolling around and

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Speaker 2: all her her new things, and I could tell he

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Speaker 2: was like, here you go. I was like, oh no,

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Speaker 2: God knows the best, and so I didn't even say anything.

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Speaker 2: So then I at first, honestly I didn't think that

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Speaker 2: he was going to be upset about it, because I

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Speaker 2: wouldn't because we literally just spoke about it.

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Speaker 1: You have receipts probably yes. So I was like, okay,

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Speaker 1: so I don't matter. You should have gotten something.

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Speaker 2: So the next day he still had attitude. I'm like,

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Speaker 2: what's your problem? He was like, I can't beieven't give

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Speaker 2: me anything for Christmas. I was like a He was like,

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Speaker 2: we just said activity everybody gives gifts. And I was like, well,

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Speaker 2: first of all, I did get you a gift me

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Speaker 2: while Mandy who I didn't, but you know what Amazon

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Speaker 2: Prime is the real o G. I was like, I

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Speaker 2: did get you a gift. It was just delayed because

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Speaker 2: of the holidays, and he's like you did. It was

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Speaker 2: like it'll be here tomorrow.

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Speaker 1: We will walking upstairs, like I told the Christmas White

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Speaker 1: Lie Tiffany.

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Speaker 2: But I will say he was very happy because I

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Speaker 2: you know, he's getting his man cave in the new house,

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Speaker 2: and so I got him it was a great, a

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Speaker 2: great deal. I got him one of those those refrigerator,

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Speaker 2: like like you know, many refrigerators that you can put

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Speaker 2: like you know, your soda, your beers and all that

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Speaker 2: kind of stuff. You know, yes, and so he loved

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Speaker 2: like it's it's it was a good size, and I

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Speaker 2: was like, who thank god it prime was on and

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Speaker 2: popping and Lil was like, it'll be here tomorrow. I

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Speaker 2: was like, you're a gift, be here tomorrow, so see,

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Speaker 2: and he was like, yo, he loved it so much.

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Speaker 2: I mean, when I say so much, I don't even

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Speaker 2: feel bad about not being truthful about it because I

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Speaker 2: feel so bad because I didn't realize how important it

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Speaker 2: was for him. Maybe that's his love language gifts languages

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Speaker 2: right now, Yeah, but I really like mostly I feel

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Speaker 2: like his love language is mostly acts of service, and

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Speaker 2: he's usually not a big on gift receiving. That's why

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Speaker 2: I was really shocked at Or maybe it's just me

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Speaker 2: because honestly, I could care less of it. I mean,

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Speaker 2: the watch he got me was really beautiful. But if

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Speaker 2: I don't know, maybe it's because I just gifts don't

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Speaker 2: mean that much to me, and so like, I'm more funny.

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Speaker 1: You didn't tell him that when he gave it to you,

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Speaker 1: did you?

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Speaker 2: No? No, I loved it. I told me that it

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Speaker 2: was beautiful and I loved it. He picked it up

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Speaker 2: like a really beautiful watch. I was like, come my god,

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Speaker 2: it's beautiful. And that was shocked because I was like,

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Speaker 2: this is not even like one of those like we

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Speaker 2: don't we're not giving gifts. But here's a Starbucks card,

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Speaker 2: we're not giving gifts, or but here's some perfume. This

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Speaker 2: was like, we're not giving gifts. Oh, here's a vital watch.

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Speaker 2: I'm like, really, what this is more than just a gift.

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Speaker 2: This is like a good gift. Why. So it was

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Speaker 2: a lesson learned. I mean, he's happy now because he's

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Speaker 2: got his fridge. And he was like, this is so dope.

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Speaker 2: I told all my boys. I was like, who, I'm

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Speaker 2: sure they're wise, like she can't get you know, and

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Speaker 2: she just worried that. But I'm glad that, like, you know,

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Speaker 2: he enjoyed it. So that was my Christmas and New

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Speaker 2: Year's was super awesome. His sister always has an awesome

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Speaker 2: party at her house. She goes all out. So we

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Speaker 2: had a really good time for New Years.

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Speaker 1: It must be nice to have a party. It's okay,

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Speaker 1: I still have some friends over it. It's fine. It

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Speaker 1: was lovely. I was gonna say we decided not to

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Speaker 1: do gifts, but we ended up getting each other gifts

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Speaker 1: that were for us but also for the house, so

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Speaker 1: that is how we justified the expense. I got him

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Speaker 1: a really nice Craftsman toolkit that he had been literally

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Speaker 1: just like Slad just g chatting me every day. Just

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Speaker 1: here's that link again. I got him that, and he

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Speaker 1: got me a coffee maker, so now I can make

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Speaker 1: because the biggest gripe I have about living out in

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Speaker 1: the suburbs is that I can't just get out of

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Speaker 1: my apartment and go downstairs and get a nice ltte.

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Speaker 1: Now I have to like drive to the Starbucks or

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Speaker 1: drive a dunkin Donuts. And I'm so tired of spending

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Speaker 1: five dollars on you know, lattes. So now I can

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Speaker 1: do my own lattes. So hey, but anss. So then

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Speaker 1: we came back to work in reality and my husband,

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Speaker 1: who you know, I was like, maybe you shouldn't have

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Speaker 1: got me a gift because now you're basically not going

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Speaker 1: to get paid for work, you know, because he wants

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Speaker 1: for the government.

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Speaker 2: This government shutdown has been like I'm like, I feel

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Speaker 2: so anxious for folks, like, who, I know, this is

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Speaker 2: not the first time they've had, you know, this government, Like,

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Speaker 2: you know, the government has like shut down and federal

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Speaker 2: workers have not been paid, but it's I guess this

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Speaker 2: is kind of like the first time that I feel like,

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Speaker 2: I know folks that are talking about it, they're like,

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Speaker 2: oh my gosh, like I'm not I don't know when

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Speaker 2: I'm going to get my next paycheck, and you know,

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Speaker 2: some people are home. But the hard part is those

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Speaker 2: people who actually still have to go to work and

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Speaker 2: not get paid. I see the say workers, you know,

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Speaker 2: I heard that there's been this huge like calling out,

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Speaker 2: like everyone's taking their sick time, you know, like I'm not.

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Speaker 1: Working for free, right because you work and you're you're

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Speaker 1: not going to get paid, but the hope is that

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Speaker 1: they'll retroactively pay you. So it's not like it's the

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Speaker 1: first shutdown. That's true. My husband's work for the federal

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Speaker 1: government for over ten years and he's gone through several

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Speaker 1: shutdowns before, but he always got paid. Retro actively. But

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Speaker 1: what's making everyone nervous is that we haven't had a

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Speaker 1: human man baby in the presidency before, you know, holding

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Speaker 1: holding everyone's paycheck's hostage over a dumb wall. So that's

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Speaker 1: why I think this one's just a little bit crazier.

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Speaker 1: And yeah, so my husband's worked, he's been working. He

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Speaker 1: got paid I think the Friday during the holidays basically

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Speaker 1: for the week, like for the work before, the two

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Speaker 1: weeks before. And now he says he's at work because

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Speaker 1: he's been deemed essential, but he's not getting paid. He's like, no,

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Speaker 1: I'm not working late tonight. I'm coming home because I'm

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Speaker 1: not getting paid anyway.

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Speaker 2: It's wow, not cool.

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Speaker 1: But it's not just like workers. It's also us, right,

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Speaker 1: so the IRS right now, who do you like their

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Speaker 1: federal employees is so this is tax refund season, so

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Speaker 1: there's concerns that tax refunds may not go out on

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Speaker 1: time because there's not enough people staff. And already the

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Speaker 1: IRS like didn't have enough people, you know, in the.

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Speaker 2: Best of it works for the IRS. And he said that,

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Speaker 2: you know, like you are going to have to send

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Speaker 2: your taxes in in a timely manner, but they can

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Speaker 2: I guarantee that you're going to get your refund done

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Speaker 2: in a timely manner. I'm like, wow, this is really like,

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Speaker 2: this is really a season where people kind of like

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Speaker 2: reset their finances with their tax return tax returns, you.

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Speaker 1: Know, yeah, I would like mine, please.

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Speaker 2: Well I don't get tax returns anymore, so I'm kind

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Speaker 2: of like, well, but still, like I remember when I

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Speaker 2: was teaching how that was, like whoa, it was a

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Speaker 2: great way to like boost my savings or pay down

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Speaker 2: additional debt. So it's just crazy times now.

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Speaker 1: Yeah, and they're saying that things like what do you

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Speaker 1: call it? I almost said welfare, but you're not supposed

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Speaker 1: to say that anymore, are you. I don't know, can

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Speaker 1: you say welfare? Welfare assistant? Food stamps may not like

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Speaker 1: they're good for now, but they may not be good

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Speaker 1: at the shutdown drags on forever. So it's not just

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Speaker 1: it's like everyone's getting screwed, working families, poor families. I mean,

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Speaker 1: how why it's so ridiculous. And I don't know what

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Speaker 1: the latest is, but it doesn't seem like we're anywhere

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Speaker 1: closer to reaching a deal than we were, you know,

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Speaker 1: a week or two ago. So just hope that we

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Speaker 1: get over this.

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Speaker 2: Yes, because one thing I did see that, like, I

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Speaker 2: saw this video of our current president and he said

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Speaker 2: that that potentially this could last a year, And I'm like, wait, what.

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Speaker 1: Like holding your own like holding your own government hostage

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Speaker 1: and would then pay for hundreds of thousands of employees.

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Speaker 2: This is Yeah, it's about eight hundred thousand people affected.

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Speaker 2: I mean as far as directly affected. And it's like, uh,

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Speaker 2: how does that you know? Yeah, that's and it's crazy

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Speaker 2: because oh yeah, it's just really crazy.

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Speaker 1: Here's hoping don't try and visiting national parks. There is

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Speaker 1: like this really sad photo of a national park trashed

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Speaker 1: because I had to pick up garbage.

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Speaker 2: I saw that. I was like, wow, I heard DC

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Speaker 2: is looking real filthy. Right about that?

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Speaker 1: Well, I think teachers, I mean teachers and like policemen,

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Speaker 1: those are state employees, right, so they're not impacted.

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Speaker 2: No, I feel like because my sister in laws husband,

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Speaker 2: I think he said that he was home. I have

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Speaker 2: to I'd have to ask her, But I feel like

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Speaker 2: he was complaining about it as one of the people

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Speaker 2: I was talking about. And he's a he's a police officer.

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Speaker 2: But I don't think but he also would be essential,

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Speaker 2: So I just can't see it. Or maybe it was

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Speaker 2: her I think maybe she works for the federal government.

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Speaker 2: That's why she works for her. So it's herd that's.

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Speaker 1: Home not Okay. Yeah, well, you guys, if you're impacted

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Speaker 1: by the shutdown, we want to hear from you. Yeah,

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Speaker 1: send us an email at brand Ambisson Podcast at gmail

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Speaker 1: dot com, or tweet us at yeah you still got it,

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Speaker 1: or tweet us at the BA podcast on Twitter. Yes,

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Speaker 1: so you, miss thang, have a what's your liverature challenge

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Speaker 1: for twenty nineteen. What what what would I do?

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Speaker 2: No? No, no, no, no, no, that's fine. That's I thought you

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Speaker 2: gotta say something else. Heck, keep going.

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Speaker 1: Thought I was gonna scoop your boost. Yeah, we'll get

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Speaker 1: to your boost. Okay, don't you worry.

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Speaker 2: So I'm excited because we are. This is our fifth

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Speaker 2: liberature challenge we so far have had, not including this challenge,

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Speaker 2: but collectively over the last four years before this challenge,

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Speaker 2: about seven hundred thousand, mostly women, get free financial education.

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Speaker 2: The first challenge was all about the fundamentals, so like budgeting, savings,

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Speaker 2: basic credits, all that kind of stuff. The second challenge

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Speaker 2: was the Savings edition, so it was all savings. Third

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Speaker 2: challenge was the Credit edition. That's the one I did

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Speaker 2: with you Mandy and and Magnify Money. That was a

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Speaker 2: really dope one.

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Speaker 1: And then the.

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Speaker 2: Fourth challenge was all about Network that was last year.

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Speaker 2: And now this challenge is home the home Buying edition.

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Speaker 2: And so the way the challenges worked, they're always free.

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Speaker 2: It's really like my giveback to the community. So there's

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Speaker 2: no excuse that you know, you like, you get all

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Speaker 2: the tools that you need to help yourself in a

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Speaker 2: specific kind of like genre of financial education. And a

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Speaker 2: lot of folks just ask me, like how do I,

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Speaker 2: you know, purchase a home? And I partnered with a

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Speaker 2: friend of mine, the Tip of her. She has this

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Speaker 2: company called m M n H Financial Services. But what

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Speaker 2: I love about the Tip is that not only is

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Speaker 2: she a credit expert like certified and all that kind

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Speaker 2: of stuff, but she's also a certified she's a realtor,

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Speaker 2: and she's also a certified home buying educator. So she

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Speaker 2: works with like Freddie Mack and some some of these

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Speaker 2: other kind of like UH federal and national like uh

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Speaker 2: financial not financial home buying education kind of like uh

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Speaker 2: uh firms and and and she she teaches around the country,

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Speaker 2: and so I asked her if she could come on

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Speaker 2: board and help me to structure this in a way

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Speaker 2: that made sense, you know. So she she led her

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Speaker 2: expertise and it's awesome. The first week is all about

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Speaker 2: home buying knowledge. Second week is like all about really

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Speaker 2: like implementation kind of like what do you need to

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Speaker 2: do to kind of get yourself ready? And then the

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Speaker 2: third week is all about funding, like how do you

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Speaker 2: like what types of funding are out there, and like

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Speaker 2: what's the best fit for you? And so even if

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Speaker 2: you might not be ready to buy a house right now,

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Speaker 2: which is fine, but it's almost like having it. It's

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Speaker 2: like a first time home buyer class that you could

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Speaker 2: take at the in the like the privacy of your

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Speaker 2: own home. It's three weeks. The emails are delivered directly

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Speaker 2: to your inbox. You could just go to l r

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Speaker 2: C for Liverature Challenge l RC home Buying dot com

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Speaker 2: and it's completely free. It's like I said, this is

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Speaker 2: a and for some people who are like I'm not

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Speaker 2: interested at home buying, but you talked about the other

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Speaker 2: ones networth, credit savings fundamentals. You could just go to

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Speaker 2: Live Richer Challenge dot Com and all of them are

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Speaker 2: listed and just take one. It's a great beginning of

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Speaker 2: the year, kind of like reset. And so that's why

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Speaker 2: we always do it in the beginning of the year.

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Speaker 2: And so those are automated. We're currently doing the home

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Speaker 2: buying addition live and then we automated after fabulous. That's

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Speaker 2: that way.

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Speaker 1: Where were you two years ago?

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Speaker 2: Huh huh for myself too. Shoot. But it's just good

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Speaker 2: because like some things, I'm like, I'm learning, even myself.

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Speaker 2: That's the thing about Like me, I'm like, I'm not

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Speaker 2: an expert in all things. Like I know what I'm

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Speaker 2: good at, and I try to stick to that. And

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Speaker 2: then I my friends who are I bring them along

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Speaker 2: and I'm like, well, can you can you show folks

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Speaker 2: how to do this? And I've never gotten to know yet.

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Speaker 2: And what I love about it is that you really

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Speaker 2: get to learn. Like everyone you need on your team,

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Speaker 2: you're like, oh, real, oh, I need to you know,

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Speaker 2: maybe a mortgage lender. You know I'm gonna need potentially

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Speaker 2: like you know, like uh, definitely, you're gonna want somebody

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Speaker 2: to inspect the home, and these things that you can

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Speaker 2: get ahead of time. And too, like you know, there

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Speaker 2: might be a teacher next door program or a police

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Speaker 2: officer next door program that you might qualify for. What's nakka,

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Speaker 2: you know, and so knowing all of the funding resources

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Speaker 2: that are out there and what you need to do

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Speaker 2: to be prepared. So one of the things that the

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Speaker 2: typic because she teaches, like I said, for like Freddie

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Speaker 2: mack and and some of these other organizations, is that

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Speaker 2: like that her students always come back to her and

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Speaker 2: tell her that their lenders like you are like the

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Speaker 2: one of the most prepared people have ever seen, Like

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Speaker 2: all of your stuff is in order, because the way

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Speaker 2: she teaches is to make sure that all of your

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Speaker 2: stuff is in order, so when you do go, you

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Speaker 2: are likely to you know, to get your proof. I've

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Speaker 2: seen people find a house, get really excited, get it

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Speaker 2: for your proof letter, only not to be able to

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Speaker 2: close because at the end, you know, they didn't have

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Speaker 2: their paperwork done or they really could not their finances

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Speaker 2: just didn't match what the lender felt comfortable lending. So yeah,

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Speaker 2: that's what this is for. So and yeah, they don't

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Speaker 2: have to be ready right now, just for people who

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Speaker 2: are just even interested in learning.

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Speaker 1: I'm interested in learning more about like the tax implications

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Speaker 1: of home ownership, especially now with all the tax changes

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Speaker 1: from last year finally going into effect. Like, I think

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Speaker 1: my next move is to get a new accountant because

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Speaker 1: I had like a tax preparer before, which was like

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Speaker 1: very simple because we just had like W two's and

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Speaker 1: you know, nothing else to really account for. And now

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Speaker 1: I'm thinking, you know, we just did this big renovation.

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Speaker 1: We've did a lot of waste. We've we've made a

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Speaker 1: lot of improvements to the house that save on energy

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Speaker 1: costs and things like that. But what I'm not sure about.

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Speaker 1: I'm not asking you for like an answer, because I know,

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Speaker 1: but I'm just saying maybe maybe other people are wondering too.

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Speaker 1: With the standard deduction for tax filers having gone up,

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Speaker 1: what that means basically is it's made now it's makes

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Speaker 1: less sense for you to itemize things like charitable deductions

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Speaker 1: and the cost of installing new windows on your house

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Speaker 1: or whatever. But I'm wondering now if we've made enough

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Speaker 1: improvements to the house that it makes sense for us

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Speaker 1: to itemize, And if we do itemize, it would be

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Speaker 1: our first time and especially I think this is our

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Speaker 1: first time filing as a married couple. I can't remember

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Speaker 1: if we did last year or not. No, I think

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Speaker 1: this might be the first year. So yeah, what does

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Speaker 1: all that mean? And last year we ended up owing taxes.

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Speaker 1: I'm just like I'm going into this time. I want

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Speaker 1: to like prepare and get interviewing accounts now, just to

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Speaker 1: get on the ball.

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Speaker 2: No, that's I mean, it's it's critical because I mean,

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Speaker 2: thankfully I had my accountant for the businesses, but you know,

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Speaker 2: he doesn't just do my business. He does, you know,

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Speaker 2: my my personal taxes as well. So just sitting you know,

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Speaker 2: I remember when he sat down with us and you know,

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Speaker 2: was we were kind of going back and forth, do

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Speaker 2: we file married filing separately, married filing jointly? Like? Do

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Speaker 2: we do we like claim? You know, he Superman has

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Speaker 2: a has a daughter, my bonus daughter, Supergirl, Like do

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Speaker 2: we claim her? So there were all of these So

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Speaker 2: what I loved about Carlos ourccuntant is that he ran

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Speaker 2: all the scenarios, like you know, with the house without

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Speaker 2: a house, with Supergirl without Supergirl, all of these things,

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Speaker 2: and and came up with how like which one was

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Speaker 2: going to give us the best tax benefit? You know?

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Speaker 2: And we came up with like the perfect mix. And

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Speaker 2: so that's what versus a tax prepair, that's what your

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Speaker 2: accountant can do is to really because with the UH

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Speaker 2: typically with the tax prepair, like I remember, I used

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Speaker 2: to go to like hn R Block, but I stopped

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Speaker 2: because they were like charging me per page, you know,

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Speaker 2: and it was like, oh, by the time they were done,

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Speaker 2: I'm like, that's my whole refund. And so with Carlos

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Speaker 2: and with most accounts, it's kind of just like a

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Speaker 2: lump sum, and they're they're not just like you know,

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00:20:05,320 --> 00:20:07,320
Speaker 2: they're not just running your taxes. They're giving you advice,

430
00:20:07,400 --> 00:20:09,600
Speaker 2: you know. So Carlos, you know, will give me like

431
00:20:09,680 --> 00:20:12,840
Speaker 2: advice based upon changes that are happening, like well what

432
00:20:12,880 --> 00:20:15,120
Speaker 2: about this and what about that? And what about this house?

433
00:20:15,119 --> 00:20:16,680
Speaker 2: And you said you brought another one and what does

434
00:20:16,680 --> 00:20:19,240
Speaker 2: that mean? And are you guys renovating all of these

435
00:20:19,320 --> 00:20:21,879
Speaker 2: questions that seemed like small talks. I'm always thinking to myself,

436
00:20:21,960 --> 00:20:24,000
Speaker 2: me and Carlos were like talking, and I'm like yeah,

437
00:20:24,040 --> 00:20:26,440
Speaker 2: and then because I'm thinking with chit chatting like friends,

438
00:20:26,440 --> 00:20:29,480
Speaker 2: but what he's doing is extracting information from my taxes.

439
00:20:30,960 --> 00:20:33,280
Speaker 2: You want me away a therapy. Carlos is like, oh,

440
00:20:33,640 --> 00:20:38,240
Speaker 2: that will affect your taxes in this way. And I'm like, oh,

441
00:20:38,400 --> 00:20:41,000
Speaker 2: so you don't care about how my renovations are going.

442
00:20:41,040 --> 00:20:43,320
Speaker 2: He's like, oh, that's nice, but that's how it's gonna

443
00:20:43,359 --> 00:20:46,439
Speaker 2: affect your taxes. So yes, getting yourself once your taxes

444
00:20:46,480 --> 00:20:48,760
Speaker 2: get to be a little bit more complicated, getting yourself

445
00:20:48,800 --> 00:20:51,560
Speaker 2: a really good accountant. There's actually a website that Carlos

446
00:20:51,560 --> 00:20:55,080
Speaker 2: told me about because people always ask me about if

447
00:20:55,080 --> 00:20:57,600
Speaker 2: they can if they can hire him, and he's honestly

448
00:20:57,640 --> 00:21:00,800
Speaker 2: not taking on new clients, but I am going to

449
00:21:00,840 --> 00:21:03,800
Speaker 2: get you the link it is. He was like, you know,

450
00:21:03,840 --> 00:21:09,119
Speaker 2: going on here and you know, basically doing your own research.

451
00:21:09,359 --> 00:21:13,800
Speaker 2: Let me fand it. Where is the Carlos I know

452
00:21:15,000 --> 00:21:17,200
Speaker 2: now that it's like it's like I'm under pressure. It's here.

453
00:21:17,520 --> 00:21:18,280
Speaker 1: I swear it is.

454
00:21:19,960 --> 00:21:22,200
Speaker 2: Don't dude, I'll edit.

455
00:21:22,160 --> 00:21:24,400
Speaker 1: This out to be less scruciating.

456
00:21:24,920 --> 00:21:29,520
Speaker 2: I'm like, I can't find it. I'm like, are you

457
00:21:29,600 --> 00:21:31,439
Speaker 2: kidding me? I was just looking at it yesterday like oh,

458
00:21:31,560 --> 00:21:33,080
Speaker 2: this is yeah.

459
00:21:33,200 --> 00:21:34,720
Speaker 1: I think I'll keep it it. It's funny enough.

460
00:21:37,480 --> 00:21:40,840
Speaker 2: It's like a s P A I A P A

461
00:21:41,840 --> 00:21:44,480
Speaker 2: A s P A S C p A or something

462
00:21:44,520 --> 00:21:44,639
Speaker 2: like that.

463
00:21:45,119 --> 00:21:49,840
Speaker 1: Well, the American Institute of CPAs is the big national organization. Yeah,

464
00:21:49,840 --> 00:21:52,160
Speaker 1: they have a tool online where you can locate CPAs

465
00:21:52,200 --> 00:21:55,159
Speaker 1: in your area and find them. Yeah. Yeah, we interviewed

466
00:21:55,160 --> 00:21:56,480
Speaker 1: their experts all the time.

467
00:21:57,359 --> 00:21:59,240
Speaker 2: Well there you go. So yeah, so he was just like,

468
00:21:59,280 --> 00:22:01,720
Speaker 2: you know, looking there viewing someone because you really want someone.

469
00:22:01,920 --> 00:22:03,560
Speaker 2: It's almost like your doctor. You want someone that you're

470
00:22:03,560 --> 00:22:06,480
Speaker 2: going to feel very comfortable sharing kind of like your

471
00:22:07,240 --> 00:22:10,080
Speaker 2: you know, your background, your history, the mistakes that you made,

472
00:22:10,560 --> 00:22:12,080
Speaker 2: you know, so that way they could really advise you

473
00:22:12,160 --> 00:22:14,040
Speaker 2: based upon like what's really happening in your life.

474
00:22:14,080 --> 00:22:17,800
Speaker 1: You know, yes, one hundred percent, I am ready it's happening.

475
00:22:18,160 --> 00:22:20,800
Speaker 1: My other resolution is just to actually go to a doctor,

476
00:22:20,840 --> 00:22:23,520
Speaker 1: speaking of which I did not go to a single

477
00:22:23,680 --> 00:22:25,320
Speaker 1: medical professional in twenty eighteen.

478
00:22:26,359 --> 00:22:31,040
Speaker 2: Why. I don't know.

479
00:22:31,119 --> 00:22:33,200
Speaker 1: I just kept saying, I think I might have tried

480
00:22:33,240 --> 00:22:35,240
Speaker 1: to go to the gynecologist. But I think what happened

481
00:22:35,359 --> 00:22:37,600
Speaker 1: was I went this might have been last year of

482
00:22:37,600 --> 00:22:38,879
Speaker 1: the year, but no, I'm pretty sure it must have

483
00:22:38,880 --> 00:22:40,959
Speaker 1: been this year. I went to my gynecologist. And if

484
00:22:41,000 --> 00:22:42,639
Speaker 1: you guys are in a busy city, maybe you have

485
00:22:42,720 --> 00:22:45,479
Speaker 1: this experience. But I made an appointment. I went, They

486
00:22:45,560 --> 00:22:46,920
Speaker 1: made me wait an hour and a half and I

487
00:22:47,040 --> 00:22:49,879
Speaker 1: still wasn't seen and I had to go back to work. Okay,

488
00:22:50,080 --> 00:22:52,800
Speaker 1: so I left and I did make a follow up appointment,

489
00:22:52,840 --> 00:22:55,679
Speaker 1: but then I did not go, and I'm not I mean,

490
00:22:55,960 --> 00:22:57,720
Speaker 1: it's very serious, I should go to a doctor.

491
00:22:58,560 --> 00:22:58,760
Speaker 2: Yeah.

492
00:22:58,880 --> 00:23:00,960
Speaker 1: I was like, man, I'm just like wasting the money

493
00:23:00,960 --> 00:23:03,919
Speaker 1: I was spending on insurance. What you know, I managed

494
00:23:03,960 --> 00:23:06,880
Speaker 1: to spend. I did go because you know, I saved

495
00:23:06,920 --> 00:23:09,400
Speaker 1: money in my flex saving his account. And I only

496
00:23:09,680 --> 00:23:12,280
Speaker 1: at my company. It's different from every employer. But at

497
00:23:12,320 --> 00:23:14,560
Speaker 1: my company, they let us roll over five hundred dollars.

498
00:23:14,640 --> 00:23:16,960
Speaker 1: But I still had, you know, like a few hundred

499
00:23:17,000 --> 00:23:18,760
Speaker 1: dollars to spend. So you know, I got some new

500
00:23:18,880 --> 00:23:22,159
Speaker 1: glasses and some stuff at the drug store, but I

501
00:23:22,320 --> 00:23:23,920
Speaker 1: needed to go to the doctor. I'm gonna do it.

502
00:23:26,280 --> 00:23:27,879
Speaker 1: Me feel bad, but you.

503
00:23:27,920 --> 00:23:29,640
Speaker 2: Know, and I'm not gonna lie. I was really never

504
00:23:29,720 --> 00:23:32,359
Speaker 2: really like a doctor person. But this year I went

505
00:23:32,400 --> 00:23:34,440
Speaker 2: to the doctor alive. I guess because in preparation for

506
00:23:34,520 --> 00:23:35,959
Speaker 2: trying to have a kid. But I found myself at

507
00:23:36,000 --> 00:23:39,240
Speaker 2: a doctor that so it just got easy because I

508
00:23:39,320 --> 00:23:42,080
Speaker 2: was always Honestly, the reason I used to not go

509
00:23:42,359 --> 00:23:45,040
Speaker 2: is just for the economics of it. I was, you know,

510
00:23:45,240 --> 00:23:47,600
Speaker 2: an entrepreneur that wasn't making a bunch of money. So

511
00:23:47,680 --> 00:23:49,719
Speaker 2: I was like, this call will go away by itself.

512
00:23:49,880 --> 00:23:53,680
Speaker 2: I'm pretty sure, you know, like, you know this mole

513
00:23:53,840 --> 00:23:55,760
Speaker 2: looks it looks benign.

514
00:23:56,359 --> 00:23:58,680
Speaker 1: You know, Okay, you didn't have a mole.

515
00:24:00,240 --> 00:24:01,920
Speaker 2: What I'm just saying, like, I remember what time. The

516
00:24:02,000 --> 00:24:03,920
Speaker 2: only time I actually read is like I dyed my

517
00:24:04,040 --> 00:24:06,760
Speaker 2: own hair and I didn't revealize I was allergic to

518
00:24:06,840 --> 00:24:10,560
Speaker 2: black guy and my whole head yes, manny. And my

519
00:24:10,640 --> 00:24:12,440
Speaker 2: mother was like, do you want to die? Because I

520
00:24:12,480 --> 00:24:14,479
Speaker 2: was like, I don't have money for the emergency room.

521
00:24:14,560 --> 00:24:16,600
Speaker 2: She was like, I sent her a picture. It looked

522
00:24:16,640 --> 00:24:21,040
Speaker 2: like do you remember the movie Mask with like Jim Carrey? No, no, no,

523
00:24:21,200 --> 00:24:22,360
Speaker 2: oh wow, you are so young.

524
00:24:24,000 --> 00:24:27,440
Speaker 1: Wait what other one is there? I was like, it

525
00:24:27,520 --> 00:24:29,560
Speaker 1: turned your head green? What where is this going?

526
00:24:30,720 --> 00:24:36,200
Speaker 2: No? Mask is with oh what is her name? A Cher?

527
00:24:38,320 --> 00:24:40,040
Speaker 2: I want you to google it. Look up the Mask

528
00:24:40,119 --> 00:24:43,240
Speaker 2: movie with Chaer and she had a son, Eric Stalt

529
00:24:43,400 --> 00:24:45,200
Speaker 2: was but his name was Rocky Dennis in the movie

530
00:24:45,520 --> 00:24:47,359
Speaker 2: and hits face like literally, that's my Facebook. I want

531
00:24:47,359 --> 00:24:48,479
Speaker 2: you to Google so you can take a look. You're

532
00:24:48,520 --> 00:24:52,040
Speaker 2: gonna be like, no, I don't want to. Oh my god.

533
00:24:52,320 --> 00:24:56,160
Speaker 1: Him, Yeah, I wasn't born when this came out. Sorry

534
00:25:00,880 --> 00:25:01,639
Speaker 1: would you carry?

535
00:25:02,040 --> 00:25:03,960
Speaker 2: Oh my good. So like that's how my facebooked. For

536
00:25:04,040 --> 00:25:05,800
Speaker 2: those of you who were doing the Google search, it

537
00:25:05,920 --> 00:25:08,680
Speaker 2: was because it was it was so swollen. But so

538
00:25:08,800 --> 00:25:11,120
Speaker 2: I read later that here's a sector of the population

539
00:25:11,359 --> 00:25:14,640
Speaker 2: that it's severely alerted to black dye. And I was like, oh,

540
00:25:14,800 --> 00:25:16,200
Speaker 2: I was supposed to do a test and I didn't,

541
00:25:16,520 --> 00:25:18,000
Speaker 2: and so my face grew up like that. It was

542
00:25:18,080 --> 00:25:20,359
Speaker 2: just all liquid underneath that I could feel it, and

543
00:25:20,480 --> 00:25:21,920
Speaker 2: I was like, it'll go away, It'll go away. So

544
00:25:21,960 --> 00:25:23,840
Speaker 2: I ended up walking to the emergency I went and

545
00:25:23,880 --> 00:25:25,600
Speaker 2: they were like, you're having an allergic reaction. I'm like,

546
00:25:25,720 --> 00:25:29,520
Speaker 2: no kidding. And they gave me basically a glorified Benadryl

547
00:25:30,080 --> 00:25:32,560
Speaker 2: and then gave me a prescription, which I thought was

548
00:25:32,640 --> 00:25:34,760
Speaker 2: like a prescription. And so I go to the pharmacy

549
00:25:34,800 --> 00:25:37,399
Speaker 2: and they basically said Benajolo was in the aisle. Eight

550
00:25:37,520 --> 00:25:38,560
Speaker 2: hundred dollars later.

551
00:25:38,680 --> 00:25:41,440
Speaker 1: I was alive. Okay, you're not helping, just make a

552
00:25:41,520 --> 00:25:44,000
Speaker 1: case for healthcare, Tiff, You're not.

553
00:25:44,960 --> 00:25:46,280
Speaker 2: One of the things was that, And this is what

554
00:25:46,400 --> 00:25:48,720
Speaker 2: I learned. I didn't know that you could negotiate your

555
00:25:49,600 --> 00:25:51,200
Speaker 2: your bill, and so that's what I learned with that

556
00:25:51,200 --> 00:25:53,040
Speaker 2: because I owed eight hundred, but I didn't have eight hundred.

557
00:25:53,280 --> 00:25:54,760
Speaker 2: And I remember it was like, you know, like they

558
00:25:54,800 --> 00:25:56,600
Speaker 2: sent me like the pink envelope that's like the envelope

559
00:25:56,600 --> 00:26:00,000
Speaker 2: you get right before collections. And my brother in law,

560
00:26:00,320 --> 00:26:02,200
Speaker 2: he was in medical school, He's like, no, you should

561
00:26:02,200 --> 00:26:04,359
Speaker 2: call and negotiate it, you know. So I called and

562
00:26:04,440 --> 00:26:05,880
Speaker 2: I was like, look, I don't have eight hundred dollars.

563
00:26:05,880 --> 00:26:07,080
Speaker 2: They're like, well what do you have? And I'm like

564
00:26:07,359 --> 00:26:09,359
Speaker 2: four hundred and they said, okay, we'll take it. I

565
00:26:09,440 --> 00:26:10,639
Speaker 2: was like, oh wait, two hundred.

566
00:26:13,960 --> 00:26:15,000
Speaker 1: Definitely negotiate.

567
00:26:15,760 --> 00:26:18,560
Speaker 2: I didn't know that. So I negotiated down and so yeah,

568
00:26:18,640 --> 00:26:20,560
Speaker 2: but it was a it was a lesson learned. And

569
00:26:20,720 --> 00:26:23,280
Speaker 2: like I really was not planning on going to the doctor.

570
00:26:23,280 --> 00:26:26,960
Speaker 2: And my mother's like, your faith doesn't even look recognizable.

571
00:26:27,800 --> 00:26:31,080
Speaker 2: So you're you're you're gonna, you know, so it's just

572
00:26:31,200 --> 00:26:32,440
Speaker 2: important for you to go to the doctor.

573
00:26:32,720 --> 00:26:34,960
Speaker 1: I guess that's why I haven't gone because nothing's really happened.

574
00:26:34,960 --> 00:26:37,400
Speaker 1: I'm pretty healthy, but I have gained weight this year.

575
00:26:37,400 --> 00:26:39,280
Speaker 1: I think that's just I know why, because I've just

576
00:26:39,359 --> 00:26:42,880
Speaker 1: been like not living a normal life. But I'm gonna

577
00:26:42,880 --> 00:26:44,879
Speaker 1: I'm gonna go. I'm gonna go. I'm gonna do all

578
00:26:44,920 --> 00:26:47,399
Speaker 1: of it. I'm gonna go the dentist, I'm gonna go

579
00:26:47,520 --> 00:26:49,840
Speaker 1: to the guy ina collogist. I'm gonna. I need to

580
00:26:49,880 --> 00:26:51,800
Speaker 1: find new doctors in my area. I think that's also

581
00:26:51,960 --> 00:26:53,440
Speaker 1: part of it, when you know when you move and

582
00:26:53,560 --> 00:26:56,600
Speaker 1: like you had to find all new medical professionals. Like

583
00:26:56,760 --> 00:26:58,960
Speaker 1: I think I'm actually gonna I'm done with doc Doc

584
00:26:59,160 --> 00:27:00,720
Speaker 1: because it's just like, you know, I feel like I've

585
00:27:00,720 --> 00:27:03,239
Speaker 1: had a hodgepodge of medical professionals over the last eight

586
00:27:03,320 --> 00:27:05,600
Speaker 1: years living in New York. I'm like, which one's closer

587
00:27:05,640 --> 00:27:08,280
Speaker 1: to my job now, you know, and just flipping. But

588
00:27:08,359 --> 00:27:10,000
Speaker 1: I think it'd be good just to have like a

589
00:27:10,080 --> 00:27:14,639
Speaker 1: dedicated primary care position and take care of myself. In

590
00:27:14,720 --> 00:27:18,280
Speaker 1: twenty nineteen, hold me accountable on it, guys. Tweet me

591
00:27:18,400 --> 00:27:20,440
Speaker 1: in three months if I haven't gone to a doctor,

592
00:27:21,240 --> 00:27:24,720
Speaker 1: I'll pay something. I'll pay money to a charity.

593
00:27:24,760 --> 00:27:27,640
Speaker 2: I don't know, Yes, I mean you can pay toward

594
00:27:27,720 --> 00:27:30,399
Speaker 2: my renovation. You know, that's just putting it out there.

595
00:27:31,000 --> 00:27:34,080
Speaker 2: You're all right, You're all right now, No, this is

596
00:27:34,440 --> 00:27:36,360
Speaker 2: this is all good. See Like New Year's is such

597
00:27:36,359 --> 00:27:39,280
Speaker 2: a great time to reset. So these are good resetting

598
00:27:39,320 --> 00:27:41,120
Speaker 2: things for me for New YEARK Like I didn't really,

599
00:27:41,640 --> 00:27:43,680
Speaker 2: I mean I have some like business goals, but really

600
00:27:43,800 --> 00:27:45,680
Speaker 2: like my big like kind of like personal goal is

601
00:27:45,800 --> 00:27:49,359
Speaker 2: really like like just continuing to build on relationships, like

602
00:27:49,840 --> 00:27:51,840
Speaker 2: you know, being a good wife, being a good sister,

603
00:27:52,240 --> 00:27:55,400
Speaker 2: a good daughter, you know, good friend, and just making

604
00:27:55,480 --> 00:27:58,960
Speaker 2: sure a good bonus mom and like really just trying

605
00:27:58,960 --> 00:28:01,200
Speaker 2: to solidify my relations and just making sure you know

606
00:28:01,359 --> 00:28:20,879
Speaker 2: I'm president and I'm here. These are questions, That's all

607
00:28:20,880 --> 00:28:22,760
Speaker 2: I'm gonna say. Because everyone hates when I mess with

608
00:28:22,880 --> 00:28:24,440
Speaker 2: Hilaria's I got your messages.

609
00:28:24,560 --> 00:28:26,560
Speaker 1: We're gonna bring that into twenty nineteen. We're gonna bring

610
00:28:26,640 --> 00:28:27,159
Speaker 1: that jingle.

611
00:28:29,160 --> 00:28:32,760
Speaker 2: Okay, that's the first prie the girl question.

612
00:28:34,520 --> 00:28:36,199
Speaker 1: All right, to kick off the new year, we got

613
00:28:36,240 --> 00:28:39,080
Speaker 1: a couple of good questions from some listeners. Let's start

614
00:28:39,120 --> 00:28:44,479
Speaker 1: with the listener Veronica. Okay, Veronica says, my name's Veronica.

615
00:28:44,640 --> 00:28:46,520
Speaker 1: Good good place to start. And I want to say

616
00:28:46,680 --> 00:28:51,040
Speaker 1: I absolutely love your podcast. It brings me life. Since

617
00:28:51,080 --> 00:28:53,240
Speaker 1: I started listening to you guys, my credit score is

618
00:28:53,280 --> 00:28:56,960
Speaker 1: now seven oh one. Hey, no, good to you. And

619
00:28:57,080 --> 00:28:59,280
Speaker 1: I think it's hilarious that Tiffany still doesn't know your

620
00:28:59,280 --> 00:29:07,120
Speaker 1: social media hand. This doesn't sound like a question, Okay,

621
00:29:07,200 --> 00:29:09,920
Speaker 1: on to the question. I am currently using a brick

622
00:29:10,000 --> 00:29:14,600
Speaker 1: and mortar bank Boa the worst I have been, she says,

623
00:29:14,680 --> 00:29:16,720
Speaker 1: not that was her words, not mine. I have been

624
00:29:16,800 --> 00:29:19,400
Speaker 1: researching online banks and I really like what Ally has

625
00:29:19,480 --> 00:29:21,880
Speaker 1: to offer. H sounds familiar, but I am scared to

626
00:29:21,920 --> 00:29:24,680
Speaker 1: transfer all my money to an online bank. I guess

627
00:29:24,840 --> 00:29:27,080
Speaker 1: because of the familiarity I have with Bank of America

628
00:29:27,200 --> 00:29:29,920
Speaker 1: in the easy access. Do you ladies still use a

629
00:29:29,920 --> 00:29:32,640
Speaker 1: brick and mortar bank in addition to banking online for

630
00:29:32,720 --> 00:29:35,840
Speaker 1: your regular everyday checking and savings accounts? Would you suggest

631
00:29:35,880 --> 00:29:38,080
Speaker 1: switching to a credit union and having an online bank

632
00:29:38,120 --> 00:29:40,200
Speaker 1: in addition to that? There are so many options and

633
00:29:40,240 --> 00:29:42,840
Speaker 1: I would like some advice. Thank you in advance. Veronica

634
00:29:42,880 --> 00:29:46,360
Speaker 1: A loyal fan. Oh thanks, Veronica, Varo.

635
00:29:46,680 --> 00:29:48,160
Speaker 2: That's why I used to call my best friend back

636
00:29:48,160 --> 00:29:49,000
Speaker 2: in the day Varro.

637
00:29:50,160 --> 00:29:50,280
Speaker 1: Uh.

638
00:29:50,360 --> 00:29:52,320
Speaker 2: Yeah, so I actually believe in having three. I like

639
00:29:52,400 --> 00:29:54,480
Speaker 2: to have a credit union because if I'm going to borrow,

640
00:29:54,960 --> 00:29:57,239
Speaker 2: best place to gets the best rate. I have an

641
00:29:57,280 --> 00:29:59,520
Speaker 2: online only bank because that's where I keep my savings.

642
00:29:59,560 --> 00:30:01,760
Speaker 2: I don't even have a checking account there because I

643
00:30:01,960 --> 00:30:04,480
Speaker 2: like to keep my my savings far away from my

644
00:30:04,560 --> 00:30:06,880
Speaker 2: checking because then they become the same thing. And then

645
00:30:06,920 --> 00:30:09,440
Speaker 2: I use my brick and mortar for like basically like checking,

646
00:30:09,560 --> 00:30:11,959
Speaker 2: like bills and and like where I get a lot

647
00:30:11,960 --> 00:30:14,080
Speaker 2: of my deposits. So, yeah, I have brick and mortar.

648
00:30:14,120 --> 00:30:16,160
Speaker 2: I use Oh I mean, I hate to say, but

649
00:30:16,720 --> 00:30:19,000
Speaker 2: I mean I use a bank. Yeah, so we're gonna

650
00:30:19,080 --> 00:30:21,240
Speaker 2: leave it at that. So but it's a brick and

651
00:30:21,280 --> 00:30:24,280
Speaker 2: mortar very similar to your bank. But yeah, so I

652
00:30:24,320 --> 00:30:27,680
Speaker 2: don't I don't think there's anything wrong with having those three. Actually,

653
00:30:27,720 --> 00:30:29,960
Speaker 2: I like that because I like having a bank that

654
00:30:30,320 --> 00:30:32,000
Speaker 2: no matter where I am and kind of in the country,

655
00:30:32,360 --> 00:30:35,360
Speaker 2: I have access to my funds. And like, like I said,

656
00:30:35,400 --> 00:30:37,560
Speaker 2: the credit union is great for savings as well as

657
00:30:38,120 --> 00:30:41,080
Speaker 2: borrowing money, and then definitely online for for savings because

658
00:30:41,080 --> 00:30:43,640
Speaker 2: it makes your money slightly inconvenient if you don't have

659
00:30:43,720 --> 00:30:45,600
Speaker 2: for checking at that same bank. So I'll say go

660
00:30:45,720 --> 00:30:47,920
Speaker 2: for it and add you know, have those three in

661
00:30:47,960 --> 00:30:48,280
Speaker 2: the mix.

662
00:30:48,920 --> 00:30:50,400
Speaker 1: Yeah, that's not a bad idea. I mean it's not

663
00:30:50,480 --> 00:30:52,640
Speaker 1: an all it's not an all or nothing thing. But

664
00:30:52,720 --> 00:30:55,560
Speaker 1: when it comes to she mentions being afraid of transferring

665
00:30:55,560 --> 00:30:58,000
Speaker 1: her money to an online bank, and I mean in

666
00:30:58,080 --> 00:31:00,320
Speaker 1: terms of being afraid, online banks as long as they

667
00:31:00,320 --> 00:31:03,240
Speaker 1: say their FDIC insured are equally as safe as a

668
00:31:03,280 --> 00:31:05,880
Speaker 1: brick and mortar bank. Just because there's a storefront doesn't

669
00:31:05,920 --> 00:31:08,600
Speaker 1: make it any less safe. In fact, I would argue

670
00:31:08,640 --> 00:31:10,960
Speaker 1: it's less safe because it has a brick and mortar

671
00:31:11,000 --> 00:31:13,760
Speaker 1: location that could just shudder at any moment, because that's

672
00:31:13,840 --> 00:31:15,720
Speaker 1: the trends that we're seeing in big banks, is that

673
00:31:15,800 --> 00:31:19,280
Speaker 1: it's getting too expensive to keep those physical branches, so

674
00:31:19,800 --> 00:31:22,880
Speaker 1: they're they're shutting them down and they're trying to compete

675
00:31:22,960 --> 00:31:26,200
Speaker 1: now with the online bank. So yeah, An, I have

676
00:31:26,240 --> 00:31:29,040
Speaker 1: an ALLY savings account. I recently opened a checking account

677
00:31:29,320 --> 00:31:31,960
Speaker 1: because it gave me the ability to write checks, so

678
00:31:32,160 --> 00:31:34,160
Speaker 1: I like that, and it's easy to transfer funds back

679
00:31:34,160 --> 00:31:36,600
Speaker 1: and forth. I still have a big bank account that

680
00:31:36,800 --> 00:31:40,000
Speaker 1: I use, and I forget why I opened it, but

681
00:31:40,680 --> 00:31:43,600
Speaker 1: it used to be nice before I realized that ALLY

682
00:31:43,760 --> 00:31:46,440
Speaker 1: refund I used to like it, because you know, it

683
00:31:46,520 --> 00:31:48,080
Speaker 1: was nice to have a big bank that I knew

684
00:31:48,080 --> 00:31:50,160
Speaker 1: I can go to an ATM and access cash for free.

685
00:31:50,680 --> 00:31:52,240
Speaker 1: Back then, I use cash a lot more often than

686
00:31:52,280 --> 00:31:54,640
Speaker 1: I do now. And also since then, it's even less

687
00:31:54,680 --> 00:31:56,960
Speaker 1: of a reason to stick with the bank because Ally

688
00:31:57,120 --> 00:32:00,240
Speaker 1: and some online banks will offer a reimbursement to a

689
00:32:00,320 --> 00:32:03,440
Speaker 1: certain amount for your ATM fees if you go you know,

690
00:32:03,560 --> 00:32:05,400
Speaker 1: out of network, which you have to because they don't

691
00:32:05,440 --> 00:32:08,440
Speaker 1: have a network of ATM fees. So I can swipe

692
00:32:08,480 --> 00:32:11,760
Speaker 1: my ALLY, I can. I take my ALLY checking card

693
00:32:12,120 --> 00:32:13,480
Speaker 1: and you know, I take it to the bodega to

694
00:32:13,560 --> 00:32:15,360
Speaker 1: get money out, and then I get a refund for

695
00:32:15,520 --> 00:32:17,400
Speaker 1: like the two or three dollars fee or whatever it is.

696
00:32:17,960 --> 00:32:22,760
Speaker 1: I think it's up to fifteen dollars, but check the terms. Yeah,

697
00:32:22,920 --> 00:32:25,280
Speaker 1: h Man credit unions though I don't I haven't had

698
00:32:25,280 --> 00:32:27,760
Speaker 1: a credit I'm still mad at Georgia Federal or what

699
00:32:27,920 --> 00:32:30,520
Speaker 1: is it, Georgia Telco credit Union. My friends they still

700
00:32:30,600 --> 00:32:33,960
Speaker 1: have like fifty dollars that is trapped in an old

701
00:32:34,120 --> 00:32:36,480
Speaker 1: checking account that I had way back in college because

702
00:32:36,520 --> 00:32:37,840
Speaker 1: I can't remember my damn password.

703
00:32:38,400 --> 00:32:39,240
Speaker 2: Are you kidding? No?

704
00:32:39,560 --> 00:32:41,160
Speaker 1: And like I have to. I think at this point

705
00:32:41,200 --> 00:32:42,959
Speaker 1: that my account's been deleted and I've tried to call

706
00:32:43,080 --> 00:32:46,120
Speaker 1: multiple times, and I need like a phone password, and

707
00:32:46,200 --> 00:32:47,920
Speaker 1: I cannot, for the life of me, figure out what

708
00:32:48,040 --> 00:32:50,520
Speaker 1: nineteen year old Dandy thought was a good phone password.

709
00:32:51,280 --> 00:32:52,920
Speaker 2: I mean, you're not using with everybody else that's using

710
00:32:52,960 --> 00:32:53,680
Speaker 2: the year of their birth.

711
00:32:54,280 --> 00:32:56,480
Speaker 1: I will. I'll try that next. I don't know, I

712
00:32:56,560 --> 00:32:58,560
Speaker 1: have no idea. I have to like go physically to

713
00:32:58,720 --> 00:33:02,320
Speaker 1: a branch in Georgia, which I don't live there anymore. So, uh,

714
00:33:02,840 --> 00:33:04,520
Speaker 1: they got my money, but I'm coming for it every

715
00:33:04,640 --> 00:33:06,920
Speaker 1: they still send me. They still send me account statements.

716
00:33:06,960 --> 00:33:08,440
Speaker 1: It's really shady, Yes.

717
00:33:10,480 --> 00:33:14,320
Speaker 2: You wish, maybe it's give me.

718
00:33:16,880 --> 00:33:20,200
Speaker 1: Annoying. Anyway, thanks for your question, Veronica.

719
00:33:20,880 --> 00:33:22,240
Speaker 2: That was a good one, even with the little shade

720
00:33:22,240 --> 00:33:24,320
Speaker 2: about because you're right, I don't remember our social media handles.

721
00:33:24,480 --> 00:33:25,760
Speaker 2: I was trying to wiggle out of it when I

722
00:33:25,920 --> 00:33:28,680
Speaker 2: was telling you, and then I was like, oh, darn it,

723
00:33:28,760 --> 00:33:31,160
Speaker 2: I don't remember them. So we're here now. It's okay.

724
00:33:31,480 --> 00:33:33,400
Speaker 1: We don't have an Instagram, we don't take messages there.

725
00:33:33,480 --> 00:33:40,280
Speaker 1: That's when I remember, I know, I know, Oh my

726
00:33:40,440 --> 00:33:42,240
Speaker 1: gosh it, I'll never say we've been doing this how

727
00:33:42,320 --> 00:33:42,760
Speaker 1: many years?

728
00:33:42,800 --> 00:33:43,000
Speaker 2: I know?

729
00:33:43,560 --> 00:33:45,280
Speaker 1: It's okay. You guys know how to google. You can

730
00:33:45,360 --> 00:33:49,440
Speaker 1: find us exactly all right. And here's a question from

731
00:33:49,520 --> 00:33:51,200
Speaker 1: paul Lette. It's a good question for the new year.

732
00:33:51,200 --> 00:33:53,800
Speaker 1: If you're trying to rebuild your credit. She says, does

733
00:33:53,880 --> 00:33:56,080
Speaker 1: it make sense to get a secured credit card if

734
00:33:56,120 --> 00:33:58,840
Speaker 1: you already have a regular credit card? And how well

735
00:33:58,880 --> 00:34:02,440
Speaker 1: getting a secured credit card plus having existing credit cards

736
00:34:02,480 --> 00:34:04,560
Speaker 1: affect my credit and my credit score.

737
00:34:06,240 --> 00:34:11,759
Speaker 2: Oh well, first, maybe I'll describe what a secure credit

738
00:34:11,800 --> 00:34:13,239
Speaker 2: card is, and then Mandy you can kind of give

739
00:34:13,280 --> 00:34:16,080
Speaker 2: some invice. So a secured credit card, I like to say,

740
00:34:16,280 --> 00:34:19,200
Speaker 2: is like a credit card with trading will, right, so

741
00:34:19,600 --> 00:34:23,000
Speaker 2: it's really secured. So every credit card is secured in

742
00:34:23,120 --> 00:34:25,480
Speaker 2: some way. Like so like a regular credit card is

743
00:34:25,520 --> 00:34:27,239
Speaker 2: like that's the bank's money. So every time you wripe,

744
00:34:27,239 --> 00:34:29,920
Speaker 2: you a regular credit card, you're borrowing money. So next

745
00:34:29,960 --> 00:34:32,680
Speaker 2: time you're at Wendy's, you are fixedally borrowing money for

746
00:34:32,760 --> 00:34:36,640
Speaker 2: that chicken sandwich. But with a secured card, they're like,

747
00:34:37,360 --> 00:34:40,120
Speaker 2: we don't trust you that much because your credit is

748
00:34:40,239 --> 00:34:43,080
Speaker 2: either like you really don't have much credit, so maybe

749
00:34:43,120 --> 00:34:45,280
Speaker 2: you're super young, or you're just someone who never borrowed

750
00:34:45,280 --> 00:34:47,600
Speaker 2: any money, or your credit's not very good, and so

751
00:34:47,680 --> 00:34:50,840
Speaker 2: they're like, we don't trust you, so we're not gonna

752
00:34:50,880 --> 00:34:53,239
Speaker 2: let you loan. We're not going to loan you money

753
00:34:53,520 --> 00:34:56,480
Speaker 2: through your credit card when you swipe. Instead, we want

754
00:34:56,560 --> 00:34:59,840
Speaker 2: you to secure that card with your own money, anywhere

755
00:34:59,840 --> 00:35:01,680
Speaker 2: from three hundred dollars is the lowest that I've seen

756
00:35:02,280 --> 00:35:04,960
Speaker 2: upboards of like one thousand dollars. So you put that

757
00:35:05,040 --> 00:35:07,680
Speaker 2: money up. They put it like a like a like

758
00:35:07,719 --> 00:35:10,759
Speaker 2: a basically glorified savings account, a money market account for you,

759
00:35:11,600 --> 00:35:13,680
Speaker 2: and they give you the card and let's just say,

760
00:35:13,680 --> 00:35:15,440
Speaker 2: put up three hundred dollars. Your limit on the card

761
00:35:15,560 --> 00:35:19,440
Speaker 2: is three hundred dollars, and so you swipe away pay back,

762
00:35:19,480 --> 00:35:23,759
Speaker 2: swipe away pay back. I've seen that like as short

763
00:35:23,800 --> 00:35:26,879
Speaker 2: as six months of using the card. Wisely, if it's

764
00:35:26,920 --> 00:35:30,080
Speaker 2: with the bank that actually has a you know that

765
00:35:30,239 --> 00:35:33,560
Speaker 2: also offers an unsecured credit card that they can say,

766
00:35:33,640 --> 00:35:37,000
Speaker 2: like for example, Wells Fargum, they can say, hey, you've

767
00:35:37,000 --> 00:35:39,400
Speaker 2: been doing so well with a secured card, we are

768
00:35:39,480 --> 00:35:41,879
Speaker 2: going to make it in an unsecured card like everyone else,

769
00:35:41,880 --> 00:35:43,960
Speaker 2: and we're going to give you back your three hundred dollars,

770
00:35:45,120 --> 00:35:47,959
Speaker 2: and so that's basically what it is. Typically, secured cards

771
00:35:47,960 --> 00:35:52,839
Speaker 2: are for people who are wanting to grow their their

772
00:35:53,440 --> 00:35:58,600
Speaker 2: credit history but don't have access to a normal credit card. Typically, So,

773
00:35:58,680 --> 00:36:00,000
Speaker 2: but what do you think about having.

774
00:36:01,120 --> 00:36:02,840
Speaker 1: Yeah, I don't see a problem at all, especially if

775
00:36:02,880 --> 00:36:04,640
Speaker 1: you've had credit in the past and your score is

776
00:36:04,680 --> 00:36:06,480
Speaker 1: low and you're looking to rebuild but you can't get

777
00:36:06,520 --> 00:36:09,560
Speaker 1: qualified for any new cards, or you don't trust yourself

778
00:36:09,600 --> 00:36:11,880
Speaker 1: with regular credit cards and you just want the training

779
00:36:11,880 --> 00:36:13,520
Speaker 1: wills back on and you want to just take out

780
00:36:13,520 --> 00:36:16,400
Speaker 1: a secured card to build some good credit history. I

781
00:36:16,440 --> 00:36:18,080
Speaker 1: don't think if you have a credit card and you

782
00:36:18,160 --> 00:36:20,759
Speaker 1: also have a secured card, there should be much of

783
00:36:20,880 --> 00:36:24,080
Speaker 1: any impact to your credit score. As long as you

784
00:36:24,200 --> 00:36:27,000
Speaker 1: are using the secured card secured card properly and making

785
00:36:27,000 --> 00:36:29,799
Speaker 1: your payments on time, your score should improve. And as

786
00:36:29,840 --> 00:36:32,560
Speaker 1: long as the existing credit cards that you have, you know,

787
00:36:32,680 --> 00:36:35,279
Speaker 1: let's say that there's nothing charged on them and you're

788
00:36:35,320 --> 00:36:38,120
Speaker 1: not carrying a balance from month to month or getting

789
00:36:38,160 --> 00:36:40,920
Speaker 1: paid you know, paying interest, then yeah, it shouldn't be

790
00:36:41,080 --> 00:36:43,960
Speaker 1: hurting your credit. If you've had credit cards in the past,

791
00:36:44,040 --> 00:36:46,080
Speaker 1: that you've been really delinquent on and that's still on

792
00:36:46,160 --> 00:36:48,160
Speaker 1: your credit report. That's just going to have to take

793
00:36:48,239 --> 00:36:51,399
Speaker 1: time to fall off your report. So the secured card

794
00:36:51,440 --> 00:36:55,600
Speaker 1: behavior will count as good behavior, but the old credit

795
00:36:55,680 --> 00:36:56,439
Speaker 1: card behavior won't.

796
00:36:56,480 --> 00:36:56,880
Speaker 2: We leave you.

797
00:36:56,960 --> 00:36:59,719
Speaker 1: You have to wait that seven year period to have

798
00:36:59,840 --> 00:37:02,919
Speaker 1: it finally drop off your report. But as Tiffany always does,

799
00:37:04,800 --> 00:37:08,279
Speaker 1: you know, when when they're calculating your credit scores, they're

800
00:37:08,280 --> 00:37:10,120
Speaker 1: looking at Yes, they look at the past, you know,

801
00:37:10,239 --> 00:37:13,160
Speaker 1: several years of history, but what's happened most recently tends

802
00:37:13,160 --> 00:37:16,560
Speaker 1: to have a bigger impact. So the negative impact of

803
00:37:16,640 --> 00:37:19,600
Speaker 1: that older history of yours will diminish with time.

804
00:37:20,719 --> 00:37:25,280
Speaker 2: Yeah. Yeah, And so the short answer is that's fine.

805
00:37:26,600 --> 00:37:27,920
Speaker 2: You don't have to I mean you could. You can

806
00:37:28,040 --> 00:37:31,279
Speaker 2: use your current credit card wisely, you know, meaning like

807
00:37:31,360 --> 00:37:33,000
Speaker 2: so the best way, like I found to use a

808
00:37:33,040 --> 00:37:34,640
Speaker 2: credit card that like you're like, I really need to

809
00:37:34,719 --> 00:37:36,799
Speaker 2: raise my credit score is that if you pay it off,

810
00:37:36,840 --> 00:37:38,320
Speaker 2: if it's close to being paid off, that will be

811
00:37:38,320 --> 00:37:41,200
Speaker 2: awesome paid off, and then put something really nomenal on

812
00:37:41,280 --> 00:37:43,840
Speaker 2: and something under fifty bucks. So maybe like gym membership

813
00:37:44,080 --> 00:37:47,040
Speaker 2: or I don't know, maybe like a magazine membership or

814
00:37:47,080 --> 00:37:51,439
Speaker 2: something subscription and then you you leave the card home,

815
00:37:51,719 --> 00:37:55,200
Speaker 2: let the membership charge the card automatically, and then from

816
00:37:55,239 --> 00:37:58,759
Speaker 2: your bank account set up an automatic payoff. Just call

817
00:37:58,840 --> 00:38:01,080
Speaker 2: the card company and say that is the statement date,

818
00:38:01,160 --> 00:38:03,560
Speaker 2: like basically when do you issue me my statement? So

819
00:38:03,680 --> 00:38:05,960
Speaker 2: you know to pay after the statement date, meaning after

820
00:38:06,040 --> 00:38:08,480
Speaker 2: they've recorded the card has been used, but before the

821
00:38:08,560 --> 00:38:10,719
Speaker 2: due date or by the due date. So there's like

822
00:38:10,760 --> 00:38:14,120
Speaker 2: a window there, like, hey, what was her name again?

823
00:38:14,560 --> 00:38:17,920
Speaker 2: Paul attellaid, Hey, Paula pau let's use the card credit

824
00:38:18,000 --> 00:38:20,360
Speaker 2: bureaus so they've recorded that because you don't want to

825
00:38:20,360 --> 00:38:22,239
Speaker 2: pay it off so quickly that they show that you've

826
00:38:22,320 --> 00:38:24,680
Speaker 2: never used the card. So if you do that, And

827
00:38:24,880 --> 00:38:26,440
Speaker 2: so I did that once when I when my car,

828
00:38:26,520 --> 00:38:28,120
Speaker 2: my score had dropped from like an A or two

829
00:38:28,560 --> 00:38:33,600
Speaker 2: to like a five forty seven after my foreclosure and

830
00:38:33,680 --> 00:38:36,120
Speaker 2: the recession. So I did that with two cards, Like

831
00:38:36,480 --> 00:38:38,680
Speaker 2: I had two cards that already had a zero balance

832
00:38:39,040 --> 00:38:40,640
Speaker 2: because I had like a bunch of cards because I

833
00:38:40,880 --> 00:38:43,560
Speaker 2: was wild out here in these streets. But I had

834
00:38:43,600 --> 00:38:45,279
Speaker 2: two that had a zero balance because I had done

835
00:38:46,120 --> 00:38:48,480
Speaker 2: I had done one of those rollovers, and I kept

836
00:38:48,520 --> 00:38:51,279
Speaker 2: the cards open because I was. I wanted to pay

837
00:38:51,280 --> 00:38:52,800
Speaker 2: down my debt, so I rolled it over to the

838
00:38:52,920 --> 00:38:56,440
Speaker 2: cards that had less a lower interest rate, and so

839
00:38:56,960 --> 00:39:00,280
Speaker 2: my credit score dropped dramatically like soon after that because

840
00:39:00,280 --> 00:39:01,920
Speaker 2: I had a foreclosure. And I was like, you know,

841
00:39:02,120 --> 00:39:04,959
Speaker 2: with these two cards. My friend who was a bankruptcy lawyer,

842
00:39:05,160 --> 00:39:07,600
Speaker 2: I asked him, like, what do you usually tell your clients,

843
00:39:07,640 --> 00:39:10,040
Speaker 2: and he was like, you know, Tiffany, just charged something

844
00:39:10,080 --> 00:39:11,919
Speaker 2: really small, leave the card at home, and then paid

845
00:39:11,960 --> 00:39:13,200
Speaker 2: the card off in full. So I did that with

846
00:39:13,239 --> 00:39:15,719
Speaker 2: two cards, and by it took about a year, and

847
00:39:15,840 --> 00:39:19,000
Speaker 2: that's some change. It took a while, but I was like,

848
00:39:19,080 --> 00:39:21,920
Speaker 2: I think maybe a year, I went to a seven fifty,

849
00:39:21,960 --> 00:39:24,400
Speaker 2: but that's with an active foreclosure on on my credit

850
00:39:24,440 --> 00:39:26,880
Speaker 2: report and so and now I'm back into eight hundreds.

851
00:39:28,040 --> 00:39:29,640
Speaker 1: Yeah. I mean, if you have an existing card and

852
00:39:29,719 --> 00:39:32,040
Speaker 1: you trust yourself to use it, then just do exactly that.

853
00:39:32,120 --> 00:39:33,759
Speaker 1: You don't have to open a secured card. But maybe

854
00:39:33,760 --> 00:39:36,000
Speaker 1: you're opening a secured card for another reason that makes

855
00:39:36,040 --> 00:39:38,799
Speaker 1: sense to you. So but as long as you use

856
00:39:38,880 --> 00:39:43,040
Speaker 1: both wisely, then it will be all fine. My neighbor's

857
00:39:43,080 --> 00:39:44,600
Speaker 1: name is Paulette. By the way, I keep thinking about

858
00:39:44,600 --> 00:39:49,439
Speaker 1: that Hey you pull it all right? Thank you guys

859
00:39:49,440 --> 00:39:51,880
Speaker 1: for your questions again. Hit us up at Brandnambisson podcast

860
00:39:51,920 --> 00:39:55,359
Speaker 1: dot com or shoot us an email or shoot us

861
00:39:55,360 --> 00:39:57,960
Speaker 1: in an email at Brand Ambition Podcast at gmail dot com.

862
00:39:58,120 --> 00:40:00,880
Speaker 1: Or yes, you can go to Instagram at Brown Ambition

863
00:40:01,040 --> 00:40:05,320
Speaker 1: Podcast on Instagram or on Twitter at the BA podcast.

864
00:40:05,960 --> 00:40:09,799
Speaker 1: By the way, Yeah, who's contacted miss what's her face?

865
00:40:09,800 --> 00:40:12,080
Speaker 1: Who owns the Brown Ambition Twitter handle? Can we talk

866
00:40:12,160 --> 00:40:14,160
Speaker 1: to her? Can we get it please? It's been three years?

867
00:40:14,440 --> 00:40:16,960
Speaker 2: Like, yeah, she's not ying it. Oh, I just kind

868
00:40:17,000 --> 00:40:19,640
Speaker 2: of update it said. The White House says that I

869
00:40:19,800 --> 00:40:22,560
Speaker 2: R S will issue tax refunds during the government chuckdown.

870
00:40:22,719 --> 00:40:26,799
Speaker 1: Well okay, yeah, right, we'll see side.

871
00:40:26,880 --> 00:40:28,800
Speaker 2: I I mean to be fair. That's according to the

872
00:40:28,840 --> 00:40:29,279
Speaker 2: Shade Room.

873
00:40:29,320 --> 00:40:32,280
Speaker 1: So I don't know how listen, okay qualified.

874
00:40:48,400 --> 00:40:53,920
Speaker 2: So now it's time for boostand up break a boostreak.

875
00:40:54,200 --> 00:40:56,719
Speaker 2: I have been waiting for this time. Do you have

876
00:40:56,800 --> 00:40:57,520
Speaker 2: a booster break?

877
00:40:57,760 --> 00:40:59,160
Speaker 1: Why you make me go first so you can just

878
00:40:59,200 --> 00:41:01,360
Speaker 1: stomp all over my with your way better boost?

879
00:41:02,880 --> 00:41:04,520
Speaker 2: I but no, you have rate.

880
00:41:04,680 --> 00:41:06,800
Speaker 1: I'll go first and keep it quick. So I was

881
00:41:06,880 --> 00:41:11,080
Speaker 1: just gonna boost. You know, it's not like I have

882
00:41:11,200 --> 00:41:13,240
Speaker 1: legislation under my name, but I was going to boost

883
00:41:13,840 --> 00:41:16,600
Speaker 1: certificates of deposits because I don't think they get enough

884
00:41:17,280 --> 00:41:19,759
Speaker 1: credit as savings vehicles. So I would like to do

885
00:41:19,840 --> 00:41:22,879
Speaker 1: a shout out for CDs. So, if you have money

886
00:41:22,880 --> 00:41:25,160
Speaker 1: in savings and a regular savings account and you are

887
00:41:25,280 --> 00:41:28,640
Speaker 1: looking to earn even more on your savings, online banks

888
00:41:28,760 --> 00:41:31,800
Speaker 1: especially offer pretty good CD rates these days, and I

889
00:41:31,880 --> 00:41:33,920
Speaker 1: took a risk because the thing with CDs is that

890
00:41:34,360 --> 00:41:36,160
Speaker 1: you lock up your money for a certain amount of time,

891
00:41:36,640 --> 00:41:38,640
Speaker 1: like three months or six months or twelve months, up

892
00:41:38,680 --> 00:41:42,520
Speaker 1: to five, seven, ten years. So for me, a year ago,

893
00:41:42,600 --> 00:41:44,720
Speaker 1: we decided we weren't going to need a certain amount

894
00:41:44,719 --> 00:41:46,680
Speaker 1: of money and we could put it into a one

895
00:41:46,760 --> 00:41:50,200
Speaker 1: year CD that earned at the time almost a full

896
00:41:50,280 --> 00:41:53,080
Speaker 1: percentage point more than my regular savings earned, or is

897
00:41:53,120 --> 00:41:56,160
Speaker 1: that true half a percentage point more. So we put

898
00:41:56,200 --> 00:41:59,480
Speaker 1: it into a CD and it just matured this past

899
00:41:59,520 --> 00:42:01,600
Speaker 1: couple of week, and it was so great to actually

900
00:42:02,040 --> 00:42:03,799
Speaker 1: for it to work and to see that I've earned

901
00:42:03,840 --> 00:42:05,320
Speaker 1: more money than had I just left it in my

902
00:42:05,360 --> 00:42:08,520
Speaker 1: regular savings account. Even so, if you guys are like

903
00:42:08,880 --> 00:42:13,279
Speaker 1: me and Tiff and you like to hoard cash, yes, right,

904
00:42:13,719 --> 00:42:15,840
Speaker 1: a CD is like a baby step up. You're not

905
00:42:16,040 --> 00:42:18,640
Speaker 1: putting the money in the market and risking it. You know,

906
00:42:18,960 --> 00:42:22,640
Speaker 1: CDs are still under FDIC insurance. You won't lose your

907
00:42:22,680 --> 00:42:26,560
Speaker 1: principle if the bank goes under. So yeah, CDs. I

908
00:42:27,239 --> 00:42:30,400
Speaker 1: recommend if you have money that like you've got your

909
00:42:30,440 --> 00:42:33,560
Speaker 1: emergency fund saved, you have money in case of emergency

910
00:42:33,600 --> 00:42:36,200
Speaker 1: and a regular liquid savings account, and you have a

911
00:42:36,200 --> 00:42:38,120
Speaker 1: little bit of extra money like let's say you're saving

912
00:42:38,200 --> 00:42:40,520
Speaker 1: for ooh, for like Tiffany, for saving for a house,

913
00:42:40,640 --> 00:42:42,319
Speaker 1: like a down payment. It's a great way to save

914
00:42:42,760 --> 00:42:44,680
Speaker 1: put some money away into a CD, and then maybe

915
00:42:44,719 --> 00:42:47,360
Speaker 1: if you're looking to buy a house in you know,

916
00:42:47,480 --> 00:42:49,600
Speaker 1: a year, two years, three years, then it can be

917
00:42:49,640 --> 00:42:51,839
Speaker 1: a nice way to earn morm on your money over

918
00:42:51,920 --> 00:42:56,200
Speaker 1: that time. With the caveat that, when you get a CD,

919
00:42:56,480 --> 00:42:59,319
Speaker 1: you're like locking in the rate, So you do want

920
00:42:59,360 --> 00:43:01,680
Speaker 1: to pay attention into what's happening with rates right now.

921
00:43:01,880 --> 00:43:05,160
Speaker 1: Rates have been going up, so you may not want

922
00:43:05,160 --> 00:43:06,560
Speaker 1: to lock up your money in a CD for too

923
00:43:06,640 --> 00:43:09,520
Speaker 1: too long if the FED decides to keep raising rates

924
00:43:09,600 --> 00:43:13,360
Speaker 1: because when they raise rates, usually savings accounts and CDs

925
00:43:13,400 --> 00:43:16,840
Speaker 1: you'll see deposit accounts have higher rates too, and you

926
00:43:16,880 --> 00:43:19,600
Speaker 1: don't want to be stuck with like the twenty nineteen

927
00:43:19,719 --> 00:43:22,279
Speaker 1: rate when the rates are higher in like twenty twenty two.

928
00:43:22,320 --> 00:43:27,799
Speaker 1: You know, so that's my boost. Okay, you go like.

929
00:43:29,640 --> 00:43:32,040
Speaker 2: You guys know a couple of years ago. It's been

930
00:43:32,080 --> 00:43:34,640
Speaker 2: three years actually, I mean so twenty fifteen. A friend

931
00:43:34,680 --> 00:43:39,279
Speaker 2: of mine, her name was Angela B. McKnight. She reached

932
00:43:39,280 --> 00:43:41,520
Speaker 2: out to me. She had just become the new assembly

933
00:43:41,600 --> 00:43:44,239
Speaker 2: woman for in in Jersey City. I think it's like

934
00:43:44,280 --> 00:43:46,520
Speaker 2: the thirty fifth of the thirty first district, and she

935
00:43:46,680 --> 00:43:48,520
Speaker 2: reached out. I was like, I'm the new assembly woman.

936
00:43:49,120 --> 00:43:52,600
Speaker 2: I really want to create change right away. I want

937
00:43:52,640 --> 00:43:55,520
Speaker 2: to get some law paths. I want to focus on education.

938
00:43:56,160 --> 00:43:58,160
Speaker 2: And I said okay, And so she was like, you know,

939
00:43:58,200 --> 00:44:01,040
Speaker 2: obviously Tippany, she had taken my finalnial education class at

940
00:44:01,040 --> 00:44:02,840
Speaker 2: the INN that a way. That's how we met, and

941
00:44:02,960 --> 00:44:04,839
Speaker 2: she was like, I thought it was great. I'd love

942
00:44:04,920 --> 00:44:07,440
Speaker 2: to talk to you about what would that look like

943
00:44:07,600 --> 00:44:09,840
Speaker 2: maybe in the school system. So we met and I

944
00:44:09,920 --> 00:44:11,479
Speaker 2: told her, you know, there's already a law and place

945
00:44:11,520 --> 00:44:13,239
Speaker 2: for high school and she was like, okay, I didn't

946
00:44:13,239 --> 00:44:15,080
Speaker 2: know that and I said yeah, and I said, honestly,

947
00:44:15,160 --> 00:44:17,719
Speaker 2: I really believe the financial education start should start as

948
00:44:17,760 --> 00:44:21,719
Speaker 2: young as elementary school and middle school. And she was

949
00:44:21,920 --> 00:44:25,200
Speaker 2: like okay. And we met at Starbucks, like I said,

950
00:44:25,239 --> 00:44:28,719
Speaker 2: December twenty fifteen, and she got her staffers to work

951
00:44:28,800 --> 00:44:31,000
Speaker 2: to look up the law for high school and all

952
00:44:31,040 --> 00:44:33,719
Speaker 2: of that that it meant, and to start to gather

953
00:44:33,880 --> 00:44:36,200
Speaker 2: information of what we were going to need for to

954
00:44:36,320 --> 00:44:39,960
Speaker 2: write the bill for the piece of legislation for the

955
00:44:40,520 --> 00:44:43,080
Speaker 2: for our bill. So we did all of that she got.

956
00:44:43,080 --> 00:44:45,680
Speaker 2: We had a little bit of pushback from some New

957
00:44:45,760 --> 00:44:49,640
Speaker 2: Jersey administrators and educators because and it was great because

958
00:44:49,680 --> 00:44:51,840
Speaker 2: I got to meet with them, and She's like, you know,

959
00:44:51,880 --> 00:44:53,320
Speaker 2: they're coming to my office. I'd love for you to

960
00:44:53,360 --> 00:44:54,600
Speaker 2: meet with them because we really need to get them

961
00:44:54,640 --> 00:44:56,960
Speaker 2: on board. And so I did, and I understood their

962
00:44:58,000 --> 00:45:00,719
Speaker 2: their pushback and their friction because they were just like

963
00:45:00,840 --> 00:45:02,520
Speaker 2: me when I was a teacher. I was like, oh,

964
00:45:02,640 --> 00:45:05,480
Speaker 2: here we go, another new piece of legislation for people

965
00:45:05,480 --> 00:45:08,719
Speaker 2: who don't know anything about education, and they're making it

966
00:45:08,800 --> 00:45:12,680
Speaker 2: harder for me to be a successful classroom teacher. But

967
00:45:12,760 --> 00:45:15,000
Speaker 2: I told them that know that I believe in integration

968
00:45:15,239 --> 00:45:19,080
Speaker 2: versus like stopping the educational day and creating space and time.

969
00:45:19,800 --> 00:45:23,160
Speaker 2: And so they were like, wow, this is you know,

970
00:45:23,239 --> 00:45:24,480
Speaker 2: this is really good to what we did is we

971
00:45:24,560 --> 00:45:27,480
Speaker 2: crafted the bill to really talk about you know that

972
00:45:27,920 --> 00:45:33,480
Speaker 2: like integrating financial education in elementary and middle school, not

973
00:45:33,640 --> 00:45:38,280
Speaker 2: saying stop its financial education time. For example, like books

974
00:45:38,320 --> 00:45:40,120
Speaker 2: that like so if you're going to order one hundred books,

975
00:45:40,120 --> 00:45:42,720
Speaker 2: maybe five of them are are based in financial education.

976
00:45:43,560 --> 00:45:45,880
Speaker 2: When I was teaching preschool, I taught for over ten years,

977
00:45:45,960 --> 00:45:49,799
Speaker 2: I had a we did like a penny drive every

978
00:45:49,880 --> 00:45:53,200
Speaker 2: year with the kids, and then every every week when

979
00:45:53,280 --> 00:45:55,000
Speaker 2: we had the penny drive, the kids got to count

980
00:45:55,000 --> 00:45:56,520
Speaker 2: the pennies and talk about who we were going to

981
00:45:56,600 --> 00:45:58,920
Speaker 2: give the money to. So like really integrating or like

982
00:45:59,239 --> 00:46:02,359
Speaker 2: doing savings boxes. So for art, we always did art.

983
00:46:02,400 --> 00:46:04,439
Speaker 2: We always did like a major art project once a week.

984
00:46:04,520 --> 00:46:07,399
Speaker 2: And so we would do sometimes like like they would

985
00:46:07,400 --> 00:46:09,520
Speaker 2: bring in a two box from home. We would cut

986
00:46:09,600 --> 00:46:12,320
Speaker 2: out pictures of things they wanted to save for and

987
00:46:12,480 --> 00:46:15,560
Speaker 2: what that looked like. Even like for like as little

988
00:46:15,560 --> 00:46:17,960
Speaker 2: as three years old, I would Every preschool classroom has

989
00:46:17,960 --> 00:46:19,759
Speaker 2: like a job chart where the kids do jobs around

990
00:46:19,800 --> 00:46:22,759
Speaker 2: the classroom. Most of them anyway, and so I used

991
00:46:22,760 --> 00:46:24,680
Speaker 2: to pay the kids, like at three and four, like

992
00:46:24,680 --> 00:46:26,880
Speaker 2: I would give them monopoly money, one dollar if they

993
00:46:26,920 --> 00:46:28,880
Speaker 2: did a good two dollars if they did it not

994
00:46:29,000 --> 00:46:30,600
Speaker 2: so great, two dollars that they did a great job,

995
00:46:30,640 --> 00:46:32,520
Speaker 2: and no doubts if they didn't do anything right, cause

996
00:46:32,520 --> 00:46:34,000
Speaker 2: you know, and then they got to save it in

997
00:46:34,000 --> 00:46:35,520
Speaker 2: their savings boxing. At the end of the week, they

998
00:46:35,560 --> 00:46:37,520
Speaker 2: got to spend it in our school store. So all

999
00:46:37,560 --> 00:46:41,240
Speaker 2: of these things are integrations versus buying new materials, stopping

1000
00:46:42,239 --> 00:46:44,800
Speaker 2: all of it. Were required with some training for teachers

1001
00:46:44,880 --> 00:46:47,720
Speaker 2: to learn how best to integrate into their classroom. So anyway,

1002
00:46:47,760 --> 00:46:50,040
Speaker 2: we got all of this information back, wrote this bill

1003
00:46:50,080 --> 00:46:53,640
Speaker 2: based upon integration. Thought it was so great. It went

1004
00:46:53,719 --> 00:46:57,200
Speaker 2: through the committee, it went to the House, it went

1005
00:46:57,239 --> 00:47:01,000
Speaker 2: to the Senate. It had bipartisan except across the board.

1006
00:47:01,280 --> 00:47:04,600
Speaker 2: Got to Governor Christie's desk right when, so he you know,

1007
00:47:04,680 --> 00:47:06,680
Speaker 2: he wasn't going to be the government anymore. So he

1008
00:47:06,800 --> 00:47:10,080
Speaker 2: was on his way out and got to his desk

1009
00:47:10,200 --> 00:47:13,680
Speaker 2: and she, you know, spoke with him briefly. It was like,

1010
00:47:13,719 --> 00:47:15,760
Speaker 2: you know, please this bill is on your desk, please

1011
00:47:16,160 --> 00:47:18,799
Speaker 2: sign it, you know. But he had like I'm sure

1012
00:47:19,000 --> 00:47:21,200
Speaker 2: like hundreds of bills on his desk. He didn't sign it,

1013
00:47:21,320 --> 00:47:23,880
Speaker 2: So they call that a pocket veto. This was about

1014
00:47:23,880 --> 00:47:25,520
Speaker 2: a year ago, and so that just.

1015
00:47:27,719 --> 00:47:31,200
Speaker 1: For how long years this is through three years as

1016
00:47:31,239 --> 00:47:33,279
Speaker 1: long as the podcast has been running for.

1017
00:47:33,400 --> 00:47:35,880
Speaker 2: Really, you're right, And it was so disappointing because, you know,

1018
00:47:35,920 --> 00:47:38,640
Speaker 2: because you know, you worked so hard. I remember, like

1019
00:47:39,000 --> 00:47:41,320
Speaker 2: I mean, there were times when she wanted me to

1020
00:47:41,360 --> 00:47:43,720
Speaker 2: come to testify in front of Senate, but I couldn't

1021
00:47:43,719 --> 00:47:45,759
Speaker 2: because I you know, I was somewhere else enough out

1022
00:47:45,760 --> 00:47:47,640
Speaker 2: of state. But Angela really put in so much work

1023
00:47:47,680 --> 00:47:50,759
Speaker 2: on you know, assembly woman midnight, and so it was

1024
00:47:50,800 --> 00:47:54,320
Speaker 2: so disappointing. We were like, yes, it's finally he it's not,

1025
00:47:54,600 --> 00:47:57,000
Speaker 2: you know, but it's honestly such a It was actually, like,

1026
00:47:57,080 --> 00:47:58,920
Speaker 2: honestly almost like a blessing that he didn't sign it.

1027
00:47:59,440 --> 00:48:01,640
Speaker 2: So now we have a new mayor, Governor Phil Murphy,

1028
00:48:03,160 --> 00:48:05,920
Speaker 2: same thing. This was a little faster. So Angela did

1029
00:48:05,960 --> 00:48:07,919
Speaker 2: the same, like you know, it was the big bill

1030
00:48:08,520 --> 00:48:10,600
Speaker 2: went through the committee, the Senate, the House, all of that.

1031
00:48:10,920 --> 00:48:13,360
Speaker 2: There was pushback. She had to edit the bill to

1032
00:48:13,600 --> 00:48:16,000
Speaker 2: exclude e elementary school and just say middle school. So six,

1033
00:48:16,040 --> 00:48:17,800
Speaker 2: seventh and eighth grade. They felt more comfortable with that,

1034
00:48:18,360 --> 00:48:20,640
Speaker 2: so she said, okay, brought it all the way, got

1035
00:48:20,680 --> 00:48:22,839
Speaker 2: to the governor's desk. Not only did they say we're

1036
00:48:22,880 --> 00:48:24,480
Speaker 2: going to sign it, but we're going to get it

1037
00:48:24,560 --> 00:48:27,200
Speaker 2: a signing ceremony. So normally bills are signed. Every day

1038
00:48:27,400 --> 00:48:29,120
Speaker 2: you get an email saying, hey, your bill was signed.

1039
00:48:29,120 --> 00:48:31,480
Speaker 2: It's a law now. But this was like a ceremony.

1040
00:48:31,520 --> 00:48:34,919
Speaker 2: And they let Angela pick the school. And Angela picked

1041
00:48:34,960 --> 00:48:38,439
Speaker 2: the school in Jersey City called the President of Barack

1042
00:48:38,440 --> 00:48:40,640
Speaker 2: Obama School, which I thought was so awesome. She actually

1043
00:48:40,680 --> 00:48:44,160
Speaker 2: helped her rename that school, and so she picked the school.

1044
00:48:44,360 --> 00:48:47,840
Speaker 2: All these amazing students came, and what was even more amazing,

1045
00:48:47,920 --> 00:48:52,040
Speaker 2: So Angela, She's brown ambition, personified me. I'm brown ambition. Right.

1046
00:48:52,440 --> 00:48:55,880
Speaker 2: Then Governor Phil Murphy wasn't I don't know where he

1047
00:48:56,040 --> 00:48:58,600
Speaker 2: wasn't able to or I don't know if he's on

1048
00:48:58,680 --> 00:49:00,640
Speaker 2: vacation or if he's out of state whatever. So they

1049
00:49:00,719 --> 00:49:04,439
Speaker 2: had Sheila Sheila Oliver, which is the she's the first

1050
00:49:04,480 --> 00:49:08,160
Speaker 2: black woman lieutenant governor, and so she signed the bill.

1051
00:49:08,239 --> 00:49:10,520
Speaker 2: So here are all these brown women and black women

1052
00:49:10,960 --> 00:49:13,200
Speaker 2: on stage, the President of the school and not the president.

1053
00:49:13,239 --> 00:49:18,239
Speaker 2: The principal of the school was a a is a

1054
00:49:18,280 --> 00:49:22,680
Speaker 2: black woman, and it just was like so like if

1055
00:49:22,719 --> 00:49:25,120
Speaker 2: you look at the pictures, you're like, wait, what's happening.

1056
00:49:25,200 --> 00:49:29,280
Speaker 2: It's just all this beautiful brownness. And so I remember,

1057
00:49:29,320 --> 00:49:31,319
Speaker 2: So they had us all come on stage till one.

1058
00:49:31,360 --> 00:49:33,520
Speaker 2: Angela just gave me like the dopest shout out. When

1059
00:49:33,520 --> 00:49:35,759
Speaker 2: it was her time to speak. My mom came. I

1060
00:49:35,840 --> 00:49:38,080
Speaker 2: told her last minute, like the night before. I was like,

1061
00:49:38,200 --> 00:49:39,520
Speaker 2: you know, and she was it's such a type of

1062
00:49:39,560 --> 00:49:41,000
Speaker 2: thing that you forget to tell your mom and then

1063
00:49:41,000 --> 00:49:44,160
Speaker 2: she finds out later and is livid, you know. So

1064
00:49:44,320 --> 00:49:47,560
Speaker 2: she came. My best Friendrina came, my friend Rihanna and

1065
00:49:47,600 --> 00:49:49,520
Speaker 2: her daughter. She her daughter was home from school. She

1066
00:49:49,640 --> 00:49:51,880
Speaker 2: wasn't feeling well for a couple of days, but she

1067
00:49:51,920 --> 00:49:53,319
Speaker 2: was feeling a little bit better, but still had one

1068
00:49:53,360 --> 00:49:54,680
Speaker 2: more day office. She was like, I want her to

1069
00:49:54,680 --> 00:49:57,320
Speaker 2: come see this. Olivia is eight, so she's like, I

1070
00:49:57,360 --> 00:49:59,320
Speaker 2: want her to see history being made. So all of

1071
00:49:59,400 --> 00:50:02,240
Speaker 2: us standing on stage and then so you know, Lieutenant

1072
00:50:02,280 --> 00:50:05,320
Speaker 2: Governor Sheila Oliver, I'm like making the hand motion signed

1073
00:50:05,360 --> 00:50:08,279
Speaker 2: the bill and said it is officially now law that

1074
00:50:08,480 --> 00:50:12,239
Speaker 2: was January third, twenty nineteen. What an awesome way to

1075
00:50:12,239 --> 00:50:15,640
Speaker 2: start the year. So now but two thousand. So what's

1076
00:50:15,640 --> 00:50:17,719
Speaker 2: so awesome about it is that it takes place or

1077
00:50:17,800 --> 00:50:21,680
Speaker 2: goes into effect for the most upcoming school year, which

1078
00:50:21,719 --> 00:50:24,600
Speaker 2: is September twenty nineteen. So that means in the state

1079
00:50:24,640 --> 00:50:28,040
Speaker 2: of New Jersey, all of New Jersey middle school students,

1080
00:50:28,360 --> 00:50:31,880
Speaker 2: there's going to be requirement of integration of financial education,

1081
00:50:32,320 --> 00:50:34,080
Speaker 2: so something that's not going to be a heavy lift

1082
00:50:34,120 --> 00:50:36,600
Speaker 2: for the teachers, but it's going to start the conversation

1083
00:50:36,760 --> 00:50:40,040
Speaker 2: of financial education in the classroom as young as sixth grade.

1084
00:50:40,239 --> 00:50:43,280
Speaker 2: And so we're going to go back to write another

1085
00:50:43,320 --> 00:50:46,280
Speaker 2: bill to get that elementary school because I really believe

1086
00:50:46,520 --> 00:50:48,880
Speaker 2: that elementary school needs to be included as well. So

1087
00:50:49,000 --> 00:50:54,400
Speaker 2: I got legislators from Washington and Maryland hit me up

1088
00:50:54,640 --> 00:50:56,760
Speaker 2: saying they wanted to do this. When I was in Texas,

1089
00:50:56,840 --> 00:50:58,960
Speaker 2: the governor's wife we were talking about it, and she

1090
00:50:59,080 --> 00:51:00,520
Speaker 2: was like, when this goes through a New Jersey, hit

1091
00:51:00,560 --> 00:51:02,200
Speaker 2: me up because I want to do this in Texas.

1092
00:51:02,600 --> 00:51:04,320
Speaker 2: So it's just an amazing thing, and I'm hoping this

1093
00:51:04,440 --> 00:51:07,880
Speaker 2: is going to ripple outward to other to other states,

1094
00:51:07,920 --> 00:51:09,080
Speaker 2: and that's what we're hoping for.

1095
00:51:09,880 --> 00:51:11,000
Speaker 1: You're like the best.

1096
00:51:13,080 --> 00:51:15,040
Speaker 2: So I'm like literally so for those because some people

1097
00:51:15,040 --> 00:51:17,720
Speaker 2: are like, want to look it up? It's a fourteen fourteen.

1098
00:51:17,719 --> 00:51:20,279
Speaker 2: So if you just google New Jersey bill or New

1099
00:51:20,400 --> 00:51:23,320
Speaker 2: Jersey law a fourteen fourteen, it comes up. But I

1100
00:51:23,400 --> 00:51:25,440
Speaker 2: like to call it the budget este Law. Though you're

1101
00:51:25,440 --> 00:51:27,480
Speaker 2: not gonna see that on there, just know that that's my.

1102
00:51:27,560 --> 00:51:28,920
Speaker 1: Name for we know what it's called.

1103
00:51:31,320 --> 00:51:34,640
Speaker 2: But yeah, So honestly, it's it's surreal to think, like,

1104
00:51:34,760 --> 00:51:36,560
Speaker 2: you know, one day when I have my little one

1105
00:51:37,080 --> 00:51:39,800
Speaker 2: and they're like coming home with like financial literacy homework,

1106
00:51:40,080 --> 00:51:42,280
Speaker 2: and I'm like, you know, your mom did that right whatever,

1107
00:51:42,480 --> 00:51:43,960
Speaker 2: I'm like, now, real, I did do that.

1108
00:51:45,000 --> 00:51:47,840
Speaker 1: When they're watching that same old cartoon, I'm just a boob.

1109
00:51:49,400 --> 00:51:50,800
Speaker 1: You'd be like, well pause that.

1110
00:51:52,760 --> 00:51:56,160
Speaker 2: Yeah. So it's just awesome to like really make lasting

1111
00:51:56,320 --> 00:51:57,239
Speaker 2: change happen, you know.

1112
00:51:59,239 --> 00:52:03,160
Speaker 1: I mean, I don't know personally, but I'm kidding. That's

1113
00:52:03,200 --> 00:52:06,920
Speaker 1: so exciting, especially because we've heard the progress a long time. Listeners.

1114
00:52:06,960 --> 00:52:09,400
Speaker 1: If you guys remember like heard you talk about this

1115
00:52:09,520 --> 00:52:11,839
Speaker 1: for so long, and so yeah, it's exciting to see

1116
00:52:11,880 --> 00:52:13,440
Speaker 1: you win. My friend.

1117
00:52:14,719 --> 00:52:16,920
Speaker 2: Yeah, I just like, like I said, I like it.

1118
00:52:17,960 --> 00:52:20,239
Speaker 2: To me, I played a really small part. Angela, like

1119
00:52:20,400 --> 00:52:24,040
Speaker 2: all the all of the legislative like maneuvering you have

1120
00:52:24,120 --> 00:52:26,440
Speaker 2: to do. It was really such a civic lesson. I

1121
00:52:26,560 --> 00:52:28,960
Speaker 2: was like, wow, this is all it takes. And Angela,

1122
00:52:29,000 --> 00:52:32,040
Speaker 2: I mean, if you get a chance to google assembly

1123
00:52:32,080 --> 00:52:34,480
Speaker 2: Woman Angela Vie McKnight, because I was telling my dad

1124
00:52:34,520 --> 00:52:36,000
Speaker 2: about it, and my dad's like the smartest man I know,

1125
00:52:36,480 --> 00:52:38,160
Speaker 2: and he was like wow when I told him about

1126
00:52:38,160 --> 00:52:40,759
Speaker 2: the law. He's like, do you know how many legislators

1127
00:52:40,800 --> 00:52:44,200
Speaker 2: and how many people in government who could get law passed,

1128
00:52:44,600 --> 00:52:47,880
Speaker 2: never in their whole legislative career ever get a law

1129
00:52:47,960 --> 00:52:50,240
Speaker 2: pass This is like her third or fourth law, Mandy.

1130
00:52:50,560 --> 00:52:52,279
Speaker 2: She's only been in she's only been in office like

1131
00:52:52,280 --> 00:52:53,040
Speaker 2: three or four years.

1132
00:52:54,760 --> 00:52:57,719
Speaker 1: That's amazing. The tiede have even seen like all the

1133
00:52:57,840 --> 00:53:00,520
Speaker 1: posts from like the new class in Congress thing sworn

1134
00:53:00,600 --> 00:53:03,279
Speaker 1: in and like, yes, all the women and women of color.

1135
00:53:03,360 --> 00:53:04,920
Speaker 1: I mean, I know all the crap happening in the

1136
00:53:04,960 --> 00:53:07,759
Speaker 1: country right now, but it is so like Galvani It's

1137
00:53:07,760 --> 00:53:10,920
Speaker 1: like gives me hope, yes all over again. So it's amazing.

1138
00:53:11,400 --> 00:53:14,239
Speaker 2: I just love that she's championing things that people would

1139
00:53:14,239 --> 00:53:16,880
Speaker 2: not normally. She just got a law path for I

1140
00:53:16,920 --> 00:53:18,759
Speaker 2: don't know if hair braiding is huge in New York

1141
00:53:18,800 --> 00:53:21,719
Speaker 2: and New Jersey, so for those of you listening thing,

1142
00:53:22,239 --> 00:53:24,000
Speaker 2: it might be huge in your city as well, but

1143
00:53:24,120 --> 00:53:26,520
Speaker 2: especially in really urban cities, hair braiding is huge. But

1144
00:53:26,840 --> 00:53:30,640
Speaker 2: the problem is that they were treating hair braiders like cosmetologists,

1145
00:53:30,920 --> 00:53:33,400
Speaker 2: and they were making them having to go to school,

1146
00:53:33,960 --> 00:53:36,200
Speaker 2: which is about twenty thousand dollars to get all of

1147
00:53:36,280 --> 00:53:39,239
Speaker 2: these certifications that they didn't need for hair braiding. And

1148
00:53:39,400 --> 00:53:42,600
Speaker 2: so Angela worked and it seemed like such a small thing,

1149
00:53:42,680 --> 00:53:44,919
Speaker 2: but it wasn't because what it meant was that women

1150
00:53:45,400 --> 00:53:47,359
Speaker 2: who had started these businesses, like you know, like hair

1151
00:53:47,400 --> 00:53:50,160
Speaker 2: braiding shops, they were kind of operating illegally. They couldn't grow,

1152
00:53:50,239 --> 00:53:52,879
Speaker 2: they couldn't advertise because if they did, and they came

1153
00:53:52,920 --> 00:53:55,840
Speaker 2: to their shop and they said, where's your cosmetolity certificate?

1154
00:53:55,880 --> 00:53:57,640
Speaker 2: And you don't have one, even though you're not washing here,

1155
00:53:57,920 --> 00:53:59,959
Speaker 2: you're not dying here, you're not cutting here, not anything,

1156
00:54:00,239 --> 00:54:02,799
Speaker 2: you're just literally braiding. And so she got a law

1157
00:54:02,920 --> 00:54:05,480
Speaker 2: pass to say that hair braiders no longer in New

1158
00:54:05,560 --> 00:54:08,840
Speaker 2: Jersey no longer have to have have to have a

1159
00:54:08,920 --> 00:54:11,800
Speaker 2: cosmopology degree. They instead just have to have an OSHA

1160
00:54:12,120 --> 00:54:15,600
Speaker 2: certificate certificate. And OSHA is just like the protective arm

1161
00:54:15,719 --> 00:54:17,920
Speaker 2: to make sure you're treating your employees correctly and stuff

1162
00:54:17,920 --> 00:54:20,520
Speaker 2: like that. So how like that's I mean, it seems

1163
00:54:20,520 --> 00:54:22,239
Speaker 2: like it's a small thing, but like this is going

1164
00:54:22,320 --> 00:54:24,839
Speaker 2: to transform those women's lives that they can they can

1165
00:54:24,960 --> 00:54:29,080
Speaker 2: operate openly and legally and really grow their businesses because

1166
00:54:29,120 --> 00:54:32,360
Speaker 2: now they're not required to get this like the certificate

1167
00:54:32,400 --> 00:54:34,040
Speaker 2: that has nothing to do with what they're doing. And

1168
00:54:34,360 --> 00:54:36,840
Speaker 2: I just love Angela for that. She is always looking

1169
00:54:36,920 --> 00:54:41,160
Speaker 2: for ways to to like how are everyday people struggling?

1170
00:54:41,440 --> 00:54:42,800
Speaker 2: And how do I make their lives better? And like

1171
00:54:42,840 --> 00:54:45,160
Speaker 2: I said that that was this is like her third law,

1172
00:54:45,360 --> 00:54:49,640
Speaker 2: a third law only being in office for three years.

1173
00:54:49,719 --> 00:54:54,360
Speaker 2: Like that's incredible. Like she she's incredible, you know, So

1174
00:54:54,480 --> 00:54:55,680
Speaker 2: it was a pleasure to work with her.

1175
00:54:56,600 --> 00:55:02,440
Speaker 1: Hopefully it's just the beginning, my friend. Amen, Well, congratulations,

1176
00:55:02,480 --> 00:55:05,200
Speaker 1: that is a good way to start the year, right.

1177
00:55:05,760 --> 00:55:08,840
Speaker 1: You know, I got my countertops, you got your bill passed,

1178
00:55:09,880 --> 00:55:12,600
Speaker 1: You're doing okay. A year ago, you didn't have a

1179
00:55:12,600 --> 00:55:15,359
Speaker 1: budget EASTA bill a year ago on and have countertops. O. Hey,

1180
00:55:16,280 --> 00:55:18,399
Speaker 1: like we're doing okay.

1181
00:55:18,560 --> 00:55:22,600
Speaker 2: Perspective, We would love to hear honest sleep from you guys, like, so,

1182
00:55:22,760 --> 00:55:24,439
Speaker 2: how is your year? Like yehie, I know you're gonna

1183
00:55:24,440 --> 00:55:26,680
Speaker 2: give to your resolutions, but how is your year going?

1184
00:55:26,719 --> 00:55:29,640
Speaker 2: I know it just started, but share something good, you know,

1185
00:55:30,000 --> 00:55:34,319
Speaker 2: let's set the tone for an awesome, awesome new year.

1186
00:55:34,640 --> 00:55:35,960
Speaker 1: Positive vibes only,