WEBVTT - New Year, New You! 0:00:16.000 --> 0:00:20.840 Hey, hey, hey, new Year, New year, new you. 0:00:21.960 --> 0:00:24.880 Yeah, well I feel like, you know, New Year's saying me, 0:00:25.160 --> 0:00:27.720 well no, well, well yeah, I don't know. How was 0:00:27.760 --> 0:00:28.280 your New Year? 0:00:28.600 --> 0:00:31.840 My New Year was great. I'm finally in the house. 0:00:31.960 --> 0:00:34.280 By the way, Hey guys, Happy New Year. It's Mandy 0:00:34.320 --> 0:00:35.560 and Tiffany with Brown Ambition. 0:00:36.360 --> 0:00:39.080 Yesk me, I forgot. I'm so rude. I'm like, hey, Mandy, 0:00:39.080 --> 0:00:42.120 how are you? Oh hey, Brown Ambition listeners? My bad? 0:00:42.440 --> 0:00:44.720 Did you guys forget us? We missed two episodes. 0:00:45.240 --> 0:00:48.400 I know people were like, so where have you been? 0:00:48.600 --> 0:00:52.200 We've been here living our best life. Mandy's in the house. 0:00:51.960 --> 0:00:55.080 Right, I'm in a house. Yeah, my house looks really beautiful. 0:00:56.040 --> 0:00:59.040 We're like ninety eight percent done. I have realized that 0:00:59.080 --> 0:01:01.400 it's nothing like HG TV. I mean I already realized that, 0:01:01.480 --> 0:01:03.840 but in terms of like the moment when you walk 0:01:03.880 --> 0:01:05.440 in and you've been kicked out for a week and 0:01:05.480 --> 0:01:08.200 you come in and everything is perfect, that doesn't happen 0:01:08.200 --> 0:01:08.640 in real life. 0:01:08.720 --> 0:01:08.960 No bra. 0:01:09.959 --> 0:01:11.920 Over the holidays, I was telling tiff like, I had 0:01:11.959 --> 0:01:14.920 to host my family and my husband's family, and I 0:01:14.959 --> 0:01:19.880 had no countertop, no dishwasher, no stovetop, no sink no, 0:01:19.880 --> 0:01:24.760 no sink in the kitchen no, no nothing, no silverware no, 0:01:25.080 --> 0:01:27.160 because everything, Because you have to understand, like we moved 0:01:27.200 --> 0:01:29.960 into the house in April, but we never really unpacked 0:01:30.000 --> 0:01:31.840 because we knew we were going to do a renovation, 0:01:31.880 --> 0:01:34.000 and when the renovation happened, we like got out of there. 0:01:34.440 --> 0:01:36.679 And this is this was like us unpacking the house 0:01:36.680 --> 0:01:39.960 plus building furniture and yours your your your best, you know, 0:01:40.160 --> 0:01:43.720 most smartest podcast friend here decided to plan a housewarming 0:01:43.760 --> 0:01:46.840 party for New Year's and she thought that she was 0:01:46.880 --> 0:01:51.160 going to have a Christmas party and yeah, I still 0:01:51.160 --> 0:01:53.639 had my family over, but I had to cancel all 0:01:53.800 --> 0:01:56.400 planned functions except for the essential people. 0:01:57.240 --> 0:02:00.160 You did what you're what the kids called the most. 0:02:00.320 --> 0:02:02.360 I try, but like you get so excited, it didn't 0:02:02.360 --> 0:02:04.880 seem like that big of a deal. In November, my 0:02:04.960 --> 0:02:07.400 contractor was like, yeah, yeah, yeah, Christmas. What he meant 0:02:07.440 --> 0:02:09.520 was Christmas, you'll have like, you know, we had the 0:02:09.639 --> 0:02:13.400 essentials we could move in and everything, but also just 0:02:13.480 --> 0:02:15.360 you have no idea what it takes to build. So 0:02:15.520 --> 0:02:19.160 we were building so much furniture, like the packaging. Our 0:02:19.200 --> 0:02:21.760 whole yard until today was just the backyard was filled 0:02:21.800 --> 0:02:25.560 with boxes and styrofoam, and I'm like, so sorry, Mother Earth. 0:02:25.880 --> 0:02:28.240 We promised we were re cycling it, but like the 0:02:28.280 --> 0:02:31.239 amount of packaging that these everything would come in from 0:02:31.240 --> 0:02:33.520 like a lamp to a you know, a bed frame 0:02:33.639 --> 0:02:36.760 was insane. But I know my way around a drill 0:02:36.800 --> 0:02:39.760 gun right now, So holler if you need any help. 0:02:40.400 --> 0:02:43.040 That's one thing about renovating it, like you become like 0:02:43.160 --> 0:02:46.120 a semi pro. You're like, oh no, that's the installation. 0:02:46.240 --> 0:02:48.040 It really needs to be packed tightly because you're like, 0:02:48.040 --> 0:02:49.200 where did I learn these things? 0:02:49.280 --> 0:02:52.560 Yes, if you guys are doing home renovation projects, here's 0:02:52.560 --> 0:02:55.880 a free, free tip is to go to PBS dot 0:02:56.000 --> 0:02:58.880 org or like YouTube and watch this old house. It's 0:02:58.919 --> 0:03:02.120 the best because they actually my husband's obsessed with it. 0:03:02.160 --> 0:03:03.959 But it's this It's been on the on the air 0:03:04.000 --> 0:03:06.520 for decades. But I feel like if you're doing any 0:03:06.600 --> 0:03:09.079 kind of home improvement, they have an episode for everything, 0:03:09.560 --> 0:03:11.680 and like just just YouTube in general, I mean obviously 0:03:11.680 --> 0:03:14.600 not for electrical and stuff, but for little things. I mean, 0:03:14.600 --> 0:03:16.640 we learned how to do so much just from watching 0:03:17.720 --> 0:03:18.639 just watching YouTube. 0:03:19.200 --> 0:03:22.040 Yeah, you university in the house, huh. 0:03:24.000 --> 0:03:25.280 Yeah, but it was good. What did you do over 0:03:25.320 --> 0:03:25.760 the holiday. 0:03:27.240 --> 0:03:31.760 My holiday was pretty chill, like I Christmas was nice, 0:03:32.040 --> 0:03:35.680 hung out, my family, my my niece is my nephew. 0:03:35.720 --> 0:03:37.680 That's like, you know, I feel like Christmas is so 0:03:39.400 --> 0:03:42.480 a kid's holiday now. So Superman and I I'm like, 0:03:42.480 --> 0:03:44.560 thank god he doesn't this the podcast because Superman and 0:03:44.600 --> 0:03:47.120 I said, we're not going to exchange gifts. So what 0:03:47.160 --> 0:03:48.600 does that mean to you, Mandy? When you're not going 0:03:48.640 --> 0:03:49.760 to exchange gifts. 0:03:49.480 --> 0:03:50.480 You better get me something? 0:03:50.960 --> 0:03:53.600 No, Oh my god, you are on his side. I 0:03:53.720 --> 0:03:59.280 was like, Christmas. He he he whips out this watch 0:03:59.320 --> 0:04:00.640 for me and I'm looking and I him like, oh 0:04:00.680 --> 0:04:01.920 my god, I didn't get him anything. 0:04:02.080 --> 0:04:05.480 Okay, awkward because. 0:04:05.120 --> 0:04:07.800 We said I must have said it like fifteen to 0:04:07.920 --> 0:04:10.400 an exchanging gifts, right, No, because we're working on the house. Yes, 0:04:10.440 --> 0:04:13.760 so we're not exchanging gifts. No, so you're sure. So 0:04:13.800 --> 0:04:17.520 I'm like, wait, why is this here? I was like, so, 0:04:17.880 --> 0:04:20.680 I it was so awkward. I'm not gonna lie. He 0:04:20.720 --> 0:04:22.279 had a little bit of a tude. I was like, 0:04:22.279 --> 0:04:22.800 what's your problem. 0:04:22.839 --> 0:04:25.200 He's like nothing, I mean with your family or just 0:04:25.200 --> 0:04:27.200 the two like this is. 0:04:27.200 --> 0:04:29.280 Just like you know, Supergirl had opened her gifts you know, 0:04:29.279 --> 0:04:31.719 it was upstairs, like you know, like rolling around and 0:04:31.760 --> 0:04:33.880 all her her new things, and I could tell he 0:04:33.920 --> 0:04:36.159 was like, here you go. I was like, oh no, 0:04:36.839 --> 0:04:43.479 God knows the best, and so I didn't even say anything. 0:04:43.480 --> 0:04:45.479 So then I at first, honestly I didn't think that 0:04:45.560 --> 0:04:47.000 he was going to be upset about it, because I 0:04:47.000 --> 0:04:49.680 wouldn't because we literally just spoke about it. 0:04:49.720 --> 0:04:52.039 You have receipts probably yes. So I was like, okay, 0:04:52.040 --> 0:04:53.760 so I don't matter. You should have gotten something. 0:04:54.800 --> 0:04:56.920 So the next day he still had attitude. I'm like, 0:04:56.920 --> 0:04:58.440 what's your problem? He was like, I can't beieven't give 0:04:58.440 --> 0:05:01.640 me anything for Christmas. I was like a He was like, 0:05:01.680 --> 0:05:05.760 we just said activity everybody gives gifts. And I was like, well, 0:05:05.760 --> 0:05:07.479 first of all, I did get you a gift me 0:05:07.520 --> 0:05:10.440 while Mandy who I didn't, but you know what Amazon 0:05:10.480 --> 0:05:12.479 Prime is the real o G. I was like, I 0:05:12.480 --> 0:05:14.839 did get you a gift. It was just delayed because 0:05:14.880 --> 0:05:16.920 of the holidays, and he's like you did. It was 0:05:17.000 --> 0:05:17.799 like it'll be here tomorrow. 0:05:17.839 --> 0:05:21.440 We will walking upstairs, like I told the Christmas White 0:05:21.480 --> 0:05:22.560 Lie Tiffany. 0:05:23.520 --> 0:05:25.359 But I will say he was very happy because I 0:05:25.720 --> 0:05:27.760 you know, he's getting his man cave in the new house, 0:05:27.800 --> 0:05:30.520 and so I got him it was a great, a 0:05:30.560 --> 0:05:33.800 great deal. I got him one of those those refrigerator, 0:05:34.080 --> 0:05:36.880 like like you know, many refrigerators that you can put 0:05:36.920 --> 0:05:38.280 like you know, your soda, your beers and all that 0:05:38.320 --> 0:05:41.800 kind of stuff. You know, yes, and so he loved 0:05:41.839 --> 0:05:43.919 like it's it's it was a good size, and I 0:05:44.000 --> 0:05:47.040 was like, who thank god it prime was on and 0:05:47.080 --> 0:05:48.919 popping and Lil was like, it'll be here tomorrow. I 0:05:48.960 --> 0:05:50.760 was like, you're a gift, be here tomorrow, so see, 0:05:51.240 --> 0:05:53.279 and he was like, yo, he loved it so much. 0:05:53.400 --> 0:05:54.960 I mean, when I say so much, I don't even 0:05:55.000 --> 0:05:57.320 feel bad about not being truthful about it because I 0:05:57.320 --> 0:05:59.839 feel so bad because I didn't realize how important it 0:05:59.920 --> 0:06:04.400 was for him. Maybe that's his love language gifts languages 0:06:04.480 --> 0:06:07.200 right now, Yeah, but I really like mostly I feel 0:06:07.200 --> 0:06:09.680 like his love language is mostly acts of service, and 0:06:09.800 --> 0:06:12.520 he's usually not a big on gift receiving. That's why 0:06:12.520 --> 0:06:14.320 I was really shocked at Or maybe it's just me 0:06:14.400 --> 0:06:16.760 because honestly, I could care less of it. I mean, 0:06:17.240 --> 0:06:19.680 the watch he got me was really beautiful. But if 0:06:19.880 --> 0:06:23.000 I don't know, maybe it's because I just gifts don't 0:06:23.040 --> 0:06:26.400 mean that much to me, and so like, I'm more funny. 0:06:26.440 --> 0:06:27.719 You didn't tell him that when he gave it to you, 0:06:27.760 --> 0:06:28.039 did you? 0:06:28.440 --> 0:06:29.800 No? No, I loved it. I told me that it 0:06:29.839 --> 0:06:31.160 was beautiful and I loved it. He picked it up 0:06:31.320 --> 0:06:33.240 like a really beautiful watch. I was like, come my god, 0:06:33.279 --> 0:06:35.040 it's beautiful. And that was shocked because I was like, 0:06:35.240 --> 0:06:36.839 this is not even like one of those like we 0:06:36.880 --> 0:06:39.719 don't we're not giving gifts. But here's a Starbucks card, 0:06:40.000 --> 0:06:42.800 we're not giving gifts, or but here's some perfume. This 0:06:42.920 --> 0:06:45.560 was like, we're not giving gifts. Oh, here's a vital watch. 0:06:45.600 --> 0:06:49.360 I'm like, really, what this is more than just a gift. 0:06:49.440 --> 0:06:52.680 This is like a good gift. Why. So it was 0:06:52.720 --> 0:06:54.760 a lesson learned. I mean, he's happy now because he's 0:06:54.760 --> 0:06:56.400 got his fridge. And he was like, this is so dope. 0:06:56.520 --> 0:06:59.280 I told all my boys. I was like, who, I'm 0:06:59.279 --> 0:07:01.479 sure they're wise, like she can't get you know, and 0:07:01.480 --> 0:07:04.719 she just worried that. But I'm glad that, like, you know, 0:07:04.800 --> 0:07:07.520 he enjoyed it. So that was my Christmas and New 0:07:07.600 --> 0:07:10.400 Year's was super awesome. His sister always has an awesome 0:07:10.800 --> 0:07:13.120 party at her house. She goes all out. So we 0:07:13.160 --> 0:07:14.520 had a really good time for New Years. 0:07:14.520 --> 0:07:19.800 It must be nice to have a party. It's okay, 0:07:19.840 --> 0:07:21.520 I still have some friends over it. It's fine. It 0:07:21.600 --> 0:07:24.280 was lovely. I was gonna say we decided not to 0:07:24.280 --> 0:07:26.080 do gifts, but we ended up getting each other gifts 0:07:26.080 --> 0:07:28.360 that were for us but also for the house, so 0:07:28.440 --> 0:07:31.040 that is how we justified the expense. I got him 0:07:31.440 --> 0:07:34.800 a really nice Craftsman toolkit that he had been literally 0:07:34.920 --> 0:07:37.320 just like Slad just g chatting me every day. Just 0:07:37.360 --> 0:07:40.000 here's that link again. I got him that, and he 0:07:40.120 --> 0:07:42.400 got me a coffee maker, so now I can make 0:07:42.440 --> 0:07:44.240 because the biggest gripe I have about living out in 0:07:44.240 --> 0:07:45.720 the suburbs is that I can't just get out of 0:07:45.720 --> 0:07:47.720 my apartment and go downstairs and get a nice ltte. 0:07:48.320 --> 0:07:50.320 Now I have to like drive to the Starbucks or 0:07:50.360 --> 0:07:53.440 drive a dunkin Donuts. And I'm so tired of spending 0:07:53.520 --> 0:07:55.640 five dollars on you know, lattes. So now I can 0:07:55.680 --> 0:08:02.200 do my own lattes. So hey, but anss. So then 0:08:02.200 --> 0:08:04.600 we came back to work in reality and my husband, 0:08:04.960 --> 0:08:06.880 who you know, I was like, maybe you shouldn't have 0:08:06.920 --> 0:08:09.040 got me a gift because now you're basically not going 0:08:09.120 --> 0:08:12.679 to get paid for work, you know, because he wants 0:08:12.680 --> 0:08:13.320 for the government. 0:08:13.800 --> 0:08:16.400 This government shutdown has been like I'm like, I feel 0:08:16.440 --> 0:08:18.360 so anxious for folks, like, who, I know, this is 0:08:18.400 --> 0:08:20.400 not the first time they've had, you know, this government, Like, 0:08:20.520 --> 0:08:23.560 you know, the government has like shut down and federal 0:08:23.560 --> 0:08:25.760 workers have not been paid, but it's I guess this 0:08:25.840 --> 0:08:27.360 is kind of like the first time that I feel like, 0:08:27.760 --> 0:08:29.560 I know folks that are talking about it, they're like, 0:08:29.600 --> 0:08:31.880 oh my gosh, like I'm not I don't know when 0:08:31.880 --> 0:08:34.280 I'm going to get my next paycheck, and you know, 0:08:34.360 --> 0:08:36.160 some people are home. But the hard part is those 0:08:36.160 --> 0:08:37.960 people who actually still have to go to work and 0:08:37.960 --> 0:08:40.200 not get paid. I see the say workers, you know, 0:08:40.400 --> 0:08:42.840 I heard that there's been this huge like calling out, 0:08:42.840 --> 0:08:45.840 like everyone's taking their sick time, you know, like I'm not. 0:08:45.880 --> 0:08:48.400 Working for free, right because you work and you're you're 0:08:48.440 --> 0:08:50.080 not going to get paid, but the hope is that 0:08:50.120 --> 0:08:52.920 they'll retroactively pay you. So it's not like it's the 0:08:52.960 --> 0:08:55.240 first shutdown. That's true. My husband's work for the federal 0:08:55.240 --> 0:08:57.640 government for over ten years and he's gone through several 0:08:57.640 --> 0:09:01.800 shutdowns before, but he always got paid. Retro actively. But 0:09:02.200 --> 0:09:04.079 what's making everyone nervous is that we haven't had a 0:09:04.120 --> 0:09:08.240 human man baby in the presidency before, you know, holding 0:09:08.440 --> 0:09:11.680 holding everyone's paycheck's hostage over a dumb wall. So that's 0:09:11.679 --> 0:09:14.040 why I think this one's just a little bit crazier. 0:09:14.080 --> 0:09:17.440 And yeah, so my husband's worked, he's been working. He 0:09:17.480 --> 0:09:20.400 got paid I think the Friday during the holidays basically 0:09:20.440 --> 0:09:23.199 for the week, like for the work before, the two 0:09:23.240 --> 0:09:25.800 weeks before. And now he says he's at work because 0:09:25.840 --> 0:09:29.839 he's been deemed essential, but he's not getting paid. He's like, no, 0:09:29.920 --> 0:09:32.160 I'm not working late tonight. I'm coming home because I'm 0:09:32.160 --> 0:09:33.120 not getting paid anyway. 0:09:33.240 --> 0:09:35.560 It's wow, not cool. 0:09:36.400 --> 0:09:38.560 But it's not just like workers. It's also us, right, 0:09:38.640 --> 0:09:41.240 so the IRS right now, who do you like their 0:09:41.240 --> 0:09:44.160 federal employees is so this is tax refund season, so 0:09:44.160 --> 0:09:46.400 there's concerns that tax refunds may not go out on 0:09:46.480 --> 0:09:49.120 time because there's not enough people staff. And already the 0:09:49.160 --> 0:09:52.839 IRS like didn't have enough people, you know, in the. 0:09:52.760 --> 0:09:54.600 Best of it works for the IRS. And he said that, 0:09:55.600 --> 0:09:57.319 you know, like you are going to have to send 0:09:57.400 --> 0:10:00.680 your taxes in in a timely manner, but they can 0:10:00.720 --> 0:10:02.640 I guarantee that you're going to get your refund done 0:10:02.679 --> 0:10:05.920 in a timely manner. I'm like, wow, this is really like, 0:10:05.960 --> 0:10:07.720 this is really a season where people kind of like 0:10:08.080 --> 0:10:11.480 reset their finances with their tax return tax returns, you. 0:10:11.440 --> 0:10:13.440 Know, yeah, I would like mine, please. 0:10:14.600 --> 0:10:16.600 Well I don't get tax returns anymore, so I'm kind 0:10:16.640 --> 0:10:19.280 of like, well, but still, like I remember when I 0:10:19.360 --> 0:10:21.840 was teaching how that was, like whoa, it was a 0:10:21.840 --> 0:10:24.360 great way to like boost my savings or pay down 0:10:24.400 --> 0:10:28.400 additional debt. So it's just crazy times now. 0:10:29.360 --> 0:10:34.080 Yeah, and they're saying that things like what do you 0:10:34.080 --> 0:10:35.840 call it? I almost said welfare, but you're not supposed 0:10:35.840 --> 0:10:38.440 to say that anymore, are you. I don't know, can 0:10:38.480 --> 0:10:42.800 you say welfare? Welfare assistant? Food stamps may not like 0:10:42.840 --> 0:10:44.880 they're good for now, but they may not be good 0:10:44.960 --> 0:10:47.840 at the shutdown drags on forever. So it's not just 0:10:48.040 --> 0:10:52.160 it's like everyone's getting screwed, working families, poor families. I mean, 0:10:52.480 --> 0:10:56.320 how why it's so ridiculous. And I don't know what 0:10:56.360 --> 0:10:59.559 the latest is, but it doesn't seem like we're anywhere 0:10:59.600 --> 0:11:02.760 closer to reaching a deal than we were, you know, 0:11:02.920 --> 0:11:05.520 a week or two ago. So just hope that we 0:11:05.600 --> 0:11:06.199 get over this. 0:11:06.679 --> 0:11:09.000 Yes, because one thing I did see that, like, I 0:11:09.040 --> 0:11:15.480 saw this video of our current president and he said 0:11:15.559 --> 0:11:22.319 that that potentially this could last a year, And I'm like, wait, what. 0:11:24.480 --> 0:11:28.000 Like holding your own like holding your own government hostage 0:11:28.840 --> 0:11:32.120 and would then pay for hundreds of thousands of employees. 0:11:32.160 --> 0:11:34.800 This is Yeah, it's about eight hundred thousand people affected. 0:11:34.840 --> 0:11:39.079 I mean as far as directly affected. And it's like, uh, 0:11:39.080 --> 0:11:42.960 how does that you know? Yeah, that's and it's crazy 0:11:43.000 --> 0:11:44.680 because oh yeah, it's just really crazy. 0:11:46.840 --> 0:11:50.200 Here's hoping don't try and visiting national parks. There is 0:11:50.240 --> 0:11:52.440 like this really sad photo of a national park trashed 0:11:52.800 --> 0:11:54.720 because I had to pick up garbage. 0:11:55.440 --> 0:11:57.200 I saw that. I was like, wow, I heard DC 0:11:57.320 --> 0:11:58.640 is looking real filthy. Right about that? 0:11:59.760 --> 0:12:02.160 Well, I think teachers, I mean teachers and like policemen, 0:12:02.200 --> 0:12:05.400 those are state employees, right, so they're not impacted. 0:12:06.160 --> 0:12:11.840 No, I feel like because my sister in laws husband, 0:12:12.240 --> 0:12:13.959 I think he said that he was home. I have 0:12:14.080 --> 0:12:16.960 to I'd have to ask her, But I feel like 0:12:17.000 --> 0:12:18.560 he was complaining about it as one of the people 0:12:18.600 --> 0:12:20.720 I was talking about. And he's a he's a police officer. 0:12:21.880 --> 0:12:23.960 But I don't think but he also would be essential, 0:12:24.120 --> 0:12:25.720 So I just can't see it. Or maybe it was 0:12:25.720 --> 0:12:27.520 her I think maybe she works for the federal government. 0:12:27.760 --> 0:12:30.000 That's why she works for her. So it's herd that's. 0:12:29.800 --> 0:12:33.160 Home not Okay. Yeah, well, you guys, if you're impacted 0:12:33.160 --> 0:12:35.320 by the shutdown, we want to hear from you. Yeah, 0:12:35.520 --> 0:12:38.160 send us an email at brand Ambisson Podcast at gmail 0:12:38.160 --> 0:12:41.719 dot com, or tweet us at yeah you still got it, 0:12:43.520 --> 0:12:47.640 or tweet us at the BA podcast on Twitter. Yes, 0:12:48.240 --> 0:12:53.040 so you, miss thang, have a what's your liverature challenge 0:12:53.040 --> 0:12:54.560 for twenty nineteen. What what what would I do? 0:12:54.679 --> 0:12:56.199 No? No, no, no, no, no, that's fine. That's I thought you 0:12:56.200 --> 0:12:58.080 gotta say something else. Heck, keep going. 0:12:58.160 --> 0:13:02.280 Thought I was gonna scoop your boost. Yeah, we'll get 0:13:02.280 --> 0:13:07.520 to your boost. Okay, don't you worry. 0:13:08.240 --> 0:13:11.200 So I'm excited because we are. This is our fifth 0:13:11.320 --> 0:13:18.480 liberature challenge we so far have had, not including this challenge, 0:13:18.520 --> 0:13:21.680 but collectively over the last four years before this challenge, 0:13:21.760 --> 0:13:27.240 about seven hundred thousand, mostly women, get free financial education. 0:13:27.360 --> 0:13:30.840 The first challenge was all about the fundamentals, so like budgeting, savings, 0:13:30.880 --> 0:13:34.559 basic credits, all that kind of stuff. The second challenge 0:13:34.600 --> 0:13:37.520 was the Savings edition, so it was all savings. Third 0:13:37.640 --> 0:13:42.439 challenge was the Credit edition. That's the one I did 0:13:42.440 --> 0:13:46.280 with you Mandy and and Magnify Money. That was a 0:13:46.320 --> 0:13:47.040 really dope one. 0:13:47.240 --> 0:13:48.120 And then the. 0:13:49.720 --> 0:13:53.120 Fourth challenge was all about Network that was last year. 0:13:53.559 --> 0:13:58.360 And now this challenge is home the home Buying edition. 0:13:58.720 --> 0:14:01.120 And so the way the challenges worked, they're always free. 0:14:01.360 --> 0:14:04.080 It's really like my giveback to the community. So there's 0:14:04.120 --> 0:14:06.800 no excuse that you know, you like, you get all 0:14:06.840 --> 0:14:08.400 the tools that you need to help yourself in a 0:14:08.440 --> 0:14:14.200 specific kind of like genre of financial education. And a 0:14:14.200 --> 0:14:15.840 lot of folks just ask me, like how do I, 0:14:15.960 --> 0:14:19.680 you know, purchase a home? And I partnered with a 0:14:19.720 --> 0:14:21.480 friend of mine, the Tip of her. She has this 0:14:21.480 --> 0:14:24.720 company called m M n H Financial Services. But what 0:14:24.720 --> 0:14:26.120 I love about the Tip is that not only is 0:14:26.160 --> 0:14:28.120 she a credit expert like certified and all that kind 0:14:28.160 --> 0:14:31.440 of stuff, but she's also a certified she's a realtor, 0:14:31.520 --> 0:14:35.560 and she's also a certified home buying educator. So she 0:14:35.600 --> 0:14:38.640 works with like Freddie Mack and some some of these 0:14:38.680 --> 0:14:43.200 other kind of like UH federal and national like uh 0:14:43.360 --> 0:14:46.320 financial not financial home buying education kind of like uh 0:14:47.000 --> 0:14:50.520 uh firms and and and she she teaches around the country, 0:14:50.560 --> 0:14:53.200 and so I asked her if she could come on 0:14:53.280 --> 0:14:56.360 board and help me to structure this in a way 0:14:56.400 --> 0:14:58.720 that made sense, you know. So she she led her 0:14:58.760 --> 0:15:02.160 expertise and it's awesome. The first week is all about 0:15:02.160 --> 0:15:05.880 home buying knowledge. Second week is like all about really 0:15:05.920 --> 0:15:08.800 like implementation kind of like what do you need to 0:15:08.840 --> 0:15:11.760 do to kind of get yourself ready? And then the 0:15:11.760 --> 0:15:15.760 third week is all about funding, like how do you 0:15:15.920 --> 0:15:17.560 like what types of funding are out there, and like 0:15:17.600 --> 0:15:19.800 what's the best fit for you? And so even if 0:15:19.800 --> 0:15:21.480 you might not be ready to buy a house right now, 0:15:21.480 --> 0:15:23.920 which is fine, but it's almost like having it. It's 0:15:23.920 --> 0:15:25.480 like a first time home buyer class that you could 0:15:25.480 --> 0:15:27.880 take at the in the like the privacy of your 0:15:27.880 --> 0:15:31.960 own home. It's three weeks. The emails are delivered directly 0:15:32.000 --> 0:15:34.960 to your inbox. You could just go to l r 0:15:35.200 --> 0:15:38.920 C for Liverature Challenge l RC home Buying dot com 0:15:39.000 --> 0:15:40.880 and it's completely free. It's like I said, this is 0:15:40.880 --> 0:15:42.720 a and for some people who are like I'm not 0:15:42.720 --> 0:15:44.320 interested at home buying, but you talked about the other 0:15:44.320 --> 0:15:47.360 ones networth, credit savings fundamentals. You could just go to 0:15:47.440 --> 0:15:49.480 Live Richer Challenge dot Com and all of them are 0:15:49.480 --> 0:15:52.240 listed and just take one. It's a great beginning of 0:15:52.320 --> 0:15:54.880 the year, kind of like reset. And so that's why 0:15:54.920 --> 0:15:56.200 we always do it in the beginning of the year. 0:15:56.240 --> 0:15:58.200 And so those are automated. We're currently doing the home 0:15:58.200 --> 0:16:04.520 buying addition live and then we automated after fabulous. That's 0:16:04.560 --> 0:16:04.960 that way. 0:16:05.200 --> 0:16:06.400 Where were you two years ago? 0:16:06.520 --> 0:16:11.360 Huh huh for myself too. Shoot. But it's just good 0:16:11.360 --> 0:16:13.560 because like some things, I'm like, I'm learning, even myself. 0:16:13.560 --> 0:16:16.320 That's the thing about Like me, I'm like, I'm not 0:16:16.360 --> 0:16:18.240 an expert in all things. Like I know what I'm 0:16:18.280 --> 0:16:19.880 good at, and I try to stick to that. And 0:16:19.920 --> 0:16:22.240 then I my friends who are I bring them along 0:16:22.280 --> 0:16:24.840 and I'm like, well, can you can you show folks 0:16:24.880 --> 0:16:27.000 how to do this? And I've never gotten to know yet. 0:16:27.040 --> 0:16:29.000 And what I love about it is that you really 0:16:29.000 --> 0:16:30.880 get to learn. Like everyone you need on your team, 0:16:30.920 --> 0:16:33.520 you're like, oh, real, oh, I need to you know, 0:16:34.560 --> 0:16:38.080 maybe a mortgage lender. You know I'm gonna need potentially 0:16:38.160 --> 0:16:40.160 like you know, like uh, definitely, you're gonna want somebody 0:16:40.200 --> 0:16:42.080 to inspect the home, and these things that you can 0:16:42.120 --> 0:16:44.800 get ahead of time. And too, like you know, there 0:16:44.880 --> 0:16:46.920 might be a teacher next door program or a police 0:16:46.960 --> 0:16:49.920 officer next door program that you might qualify for. What's nakka, 0:16:50.360 --> 0:16:52.960 you know, and so knowing all of the funding resources 0:16:52.960 --> 0:16:55.080 that are out there and what you need to do 0:16:55.120 --> 0:16:56.680 to be prepared. So one of the things that the 0:16:56.680 --> 0:16:58.320 typic because she teaches, like I said, for like Freddie 0:16:58.360 --> 0:17:01.320 mack and and some of these other organizations, is that 0:17:01.760 --> 0:17:04.760 like that her students always come back to her and 0:17:04.800 --> 0:17:06.439 tell her that their lenders like you are like the 0:17:06.440 --> 0:17:08.399 one of the most prepared people have ever seen, Like 0:17:08.480 --> 0:17:10.600 all of your stuff is in order, because the way 0:17:10.600 --> 0:17:12.399 she teaches is to make sure that all of your 0:17:12.400 --> 0:17:15.199 stuff is in order, so when you do go, you 0:17:15.480 --> 0:17:18.400 are likely to you know, to get your proof. I've 0:17:18.400 --> 0:17:21.240 seen people find a house, get really excited, get it 0:17:21.280 --> 0:17:22.960 for your proof letter, only not to be able to 0:17:22.960 --> 0:17:24.960 close because at the end, you know, they didn't have 0:17:25.000 --> 0:17:29.359 their paperwork done or they really could not their finances 0:17:29.400 --> 0:17:34.680 just didn't match what the lender felt comfortable lending. So yeah, 0:17:34.720 --> 0:17:37.680 that's what this is for. So and yeah, they don't 0:17:37.720 --> 0:17:39.160 have to be ready right now, just for people who 0:17:39.160 --> 0:17:40.439 are just even interested in learning. 0:17:41.160 --> 0:17:44.159 I'm interested in learning more about like the tax implications 0:17:44.160 --> 0:17:46.800 of home ownership, especially now with all the tax changes 0:17:46.800 --> 0:17:48.920 from last year finally going into effect. Like, I think 0:17:48.960 --> 0:17:52.040 my next move is to get a new accountant because 0:17:52.040 --> 0:17:54.199 I had like a tax preparer before, which was like 0:17:54.280 --> 0:17:56.480 very simple because we just had like W two's and 0:17:56.520 --> 0:17:59.720 you know, nothing else to really account for. And now 0:17:59.800 --> 0:18:01.960 I'm thinking, you know, we just did this big renovation. 0:18:02.119 --> 0:18:04.879 We've did a lot of waste. We've we've made a 0:18:04.920 --> 0:18:07.000 lot of improvements to the house that save on energy 0:18:07.040 --> 0:18:09.600 costs and things like that. But what I'm not sure about. 0:18:09.800 --> 0:18:11.639 I'm not asking you for like an answer, because I know, 0:18:12.760 --> 0:18:15.320 but I'm just saying maybe maybe other people are wondering too. 0:18:16.000 --> 0:18:19.680 With the standard deduction for tax filers having gone up, 0:18:19.840 --> 0:18:22.720 what that means basically is it's made now it's makes 0:18:22.800 --> 0:18:26.800 less sense for you to itemize things like charitable deductions 0:18:26.880 --> 0:18:29.320 and the cost of installing new windows on your house 0:18:29.440 --> 0:18:31.959 or whatever. But I'm wondering now if we've made enough 0:18:32.040 --> 0:18:33.919 improvements to the house that it makes sense for us 0:18:33.920 --> 0:18:36.840 to itemize, And if we do itemize, it would be 0:18:36.880 --> 0:18:39.159 our first time and especially I think this is our 0:18:39.200 --> 0:18:42.359 first time filing as a married couple. I can't remember 0:18:43.680 --> 0:18:45.200 if we did last year or not. No, I think 0:18:45.200 --> 0:18:47.119 this might be the first year. So yeah, what does 0:18:47.160 --> 0:18:50.040 all that mean? And last year we ended up owing taxes. 0:18:50.200 --> 0:18:52.440