1
00:00:16,200 --> 00:00:21,960
Speaker 1: Hey, Hey, Hey, I'm Tiffany.

2
00:00:22,920 --> 00:00:26,160
Speaker 2: What's up. Guys, It's Mandy.

3
00:00:26,720 --> 00:00:29,600
Speaker 1: And this is brown a Vision. Hey, Mandra, how you been.

4
00:00:30,400 --> 00:00:31,040
Speaker 1: I've been good.

5
00:00:31,080 --> 00:00:34,120
Speaker 2: I've been good. I've been enjoying this little teaser of

6
00:00:34,159 --> 00:00:37,960
Speaker 2: spring weather, although winter is already back and driving me insane.

7
00:00:38,320 --> 00:00:42,520
Speaker 1: Yeah, the winter. It's definitely giving us some Oh what's

8
00:00:42,560 --> 00:00:44,200
Speaker 1: that thing you guys watched that I don't watch?

9
00:00:44,520 --> 00:00:45,280
Speaker 2: Came of Thrones?

10
00:00:45,640 --> 00:00:47,920
Speaker 1: Yes, but you know what, you'll be proud of me.

11
00:00:48,440 --> 00:00:50,599
Speaker 1: This is a little aside because I see the new

12
00:00:50,600 --> 00:00:53,120
Speaker 1: Game of Thrones is coming out soon, right, the last one?

13
00:00:53,400 --> 00:00:56,480
Speaker 2: Yeah, April fourteenth, but you know who's counting.

14
00:00:57,000 --> 00:00:59,160
Speaker 1: And I felt like I ought to know at least

15
00:00:59,160 --> 00:01:02,160
Speaker 1: some basics of what's happening. There's actually this really great

16
00:01:02,280 --> 00:01:05,679
Speaker 1: YouTube channel called CRAM. I think it's see. I don't

17
00:01:05,720 --> 00:01:09,720
Speaker 1: know if it's KRC either way. So he crams each

18
00:01:09,800 --> 00:01:12,920
Speaker 1: season into like a twenty to like thirty thirty five

19
00:01:13,000 --> 00:01:17,200
Speaker 1: minute explanation, and I feel like I know things.

20
00:01:17,640 --> 00:01:20,480
Speaker 2: Oh, okay, got a challenge.

21
00:01:20,920 --> 00:01:23,000
Speaker 1: It was really good, honestly, because I was bored one night,

22
00:01:23,000 --> 00:01:24,480
Speaker 1: I could not go to sleep, and I said, you

23
00:01:24,520 --> 00:01:27,040
Speaker 1: know what, I feel like I'm never going to watch

24
00:01:27,040 --> 00:01:28,640
Speaker 1: the Game of Thrones because I mean, let's be wrong,

25
00:01:28,640 --> 00:01:32,120
Speaker 1: I'm so behind. But so I watched the first season

26
00:01:32,280 --> 00:01:34,240
Speaker 1: and I was like, okay, the first season cramed. It

27
00:01:34,280 --> 00:01:36,800
Speaker 1: was like, I said, like thirty minutes and I said, okay,

28
00:01:37,040 --> 00:01:41,920
Speaker 1: the narest Targarian, Okay, just you know, poor poor Ned

29
00:01:42,040 --> 00:01:43,840
Speaker 1: with his head cut off, got it, got it, got it?

30
00:01:44,040 --> 00:01:46,000
Speaker 2: Spoiler hurt damn well.

31
00:01:46,040 --> 00:01:47,960
Speaker 1: I mean, if you haven't watched the first season, it's

32
00:01:47,960 --> 00:01:49,080
Speaker 1: already just watched crams.

33
00:01:49,160 --> 00:01:50,920
Speaker 2: I mean, there's a lot of heads that get cut off.

34
00:01:52,040 --> 00:01:53,920
Speaker 1: But it was so honestly, it was so good and

35
00:01:53,960 --> 00:01:55,160
Speaker 1: I was like, oh, I can see why you guys

36
00:01:55,200 --> 00:01:57,040
Speaker 1: like it. Although I am not sitting down to watch

37
00:01:57,040 --> 00:02:00,280
Speaker 1: eight seasons of so many episodes. But I thought proud

38
00:02:00,320 --> 00:02:01,720
Speaker 1: of myself because I feel like when the new season

39
00:02:01,760 --> 00:02:04,800
Speaker 1: comes out, because Superman does watch Game of Thrones, and

40
00:02:04,840 --> 00:02:06,240
Speaker 1: now I feel like I can watch with him and

41
00:02:06,240 --> 00:02:08,560
Speaker 1: not be like, who's that, what's that? What's going on? Yeah,

42
00:02:08,600 --> 00:02:10,440
Speaker 1: I'm like, I know things. I was like, oh wait

43
00:02:10,480 --> 00:02:11,239
Speaker 1: till I tell Mandra.

44
00:02:11,320 --> 00:02:13,760
Speaker 2: I mean, no, it's you know, no, there's just so

45
00:02:13,840 --> 00:02:15,880
Speaker 2: much content out there. I don't blame anybody for I

46
00:02:15,880 --> 00:02:17,600
Speaker 2: mean I spent this weekend. I thought I was going

47
00:02:17,680 --> 00:02:19,720
Speaker 2: to binge the Queer Eye, which I did watch a

48
00:02:19,720 --> 00:02:22,680
Speaker 2: few episodes. Do you watch Queer Eye on Netflix?

49
00:02:23,440 --> 00:02:24,800
Speaker 1: Oh, there's too many things to watch.

50
00:02:25,000 --> 00:02:27,520
Speaker 2: I know, there's so much, but like this is this

51
00:02:27,600 --> 00:02:30,119
Speaker 2: show will just make you just just want to hug

52
00:02:30,120 --> 00:02:32,519
Speaker 2: a puppy and just be so happy. They're just such

53
00:02:32,520 --> 00:02:34,520
Speaker 2: a fun like little show. You don't have to binge it.

54
00:02:34,560 --> 00:02:37,360
Speaker 2: You can just watch little sprinkles of it. But I

55
00:02:37,400 --> 00:02:39,200
Speaker 2: had to. I like forced myself to get out of

56
00:02:39,200 --> 00:02:41,520
Speaker 2: the house and enjoy the sunshine. So I was quite

57
00:02:41,720 --> 00:02:43,960
Speaker 2: feeling myself for just enjoying. We did a lot of

58
00:02:44,040 --> 00:02:46,840
Speaker 2: yard work and we went took Molly to the dog park,

59
00:02:46,919 --> 00:02:49,760
Speaker 2: which she wasn't a fan of. Little Molly is an

60
00:02:49,760 --> 00:02:50,880
Speaker 2: introvert like her mommy.

61
00:02:51,120 --> 00:02:52,520
Speaker 1: Oh she didn't like the dog park.

62
00:02:52,960 --> 00:02:55,360
Speaker 2: She was just she's introverted. She doesn't It was just

63
00:02:55,400 --> 00:02:58,040
Speaker 2: too much stimulation for her. You know, all these extroverted

64
00:02:58,080 --> 00:03:00,720
Speaker 2: dogs trying to sniff her butt and you know, play

65
00:03:00,800 --> 00:03:01,080
Speaker 2: with her.

66
00:03:02,520 --> 00:03:03,240
Speaker 1: But I don't know.

67
00:03:03,200 --> 00:03:06,480
Speaker 2: You exactly it was. It was too too much for her.

68
00:03:06,560 --> 00:03:08,600
Speaker 2: So it was a little sensory overload. And we came

69
00:03:08,639 --> 00:03:10,640
Speaker 2: home and we just made our backyard a nice little

70
00:03:10,639 --> 00:03:13,040
Speaker 2: place for her to relax, and it was funny because

71
00:03:13,040 --> 00:03:15,560
Speaker 2: her real personality started coming out and she was having

72
00:03:15,600 --> 00:03:16,160
Speaker 2: a good time.

73
00:03:16,680 --> 00:03:18,919
Speaker 1: Yeah, I saw your ig. Sorry. I thought it was

74
00:03:18,919 --> 00:03:21,080
Speaker 1: so cute when you guys were you were chasing her

75
00:03:21,080 --> 00:03:22,760
Speaker 1: and she was like catch me, okay, no, pet me.

76
00:03:22,919 --> 00:03:24,040
Speaker 1: I thought that was so adorable.

77
00:03:24,120 --> 00:03:26,800
Speaker 2: Yeah, she walks herself now, it's awesome, just in the byard.

78
00:03:27,840 --> 00:03:29,720
Speaker 1: I love that. Is she gonna get much bigger? Do

79
00:03:29,760 --> 00:03:32,040
Speaker 1: you know, like how how big her breed or whatever

80
00:03:32,080 --> 00:03:32,720
Speaker 1: normally gets.

81
00:03:32,919 --> 00:03:35,960
Speaker 2: No, this is it. She's a little over a year old,

82
00:03:36,040 --> 00:03:38,040
Speaker 2: like a year and a half, and this is she's

83
00:03:38,080 --> 00:03:41,000
Speaker 2: fully grown. So she's like really little size. Yeah, she's

84
00:03:41,120 --> 00:03:43,360
Speaker 2: just she's mixed. She's a Labrador, but she's mixed with

85
00:03:43,400 --> 00:03:46,240
Speaker 2: something small, like a type of terrier that's small. So

86
00:03:46,280 --> 00:03:50,040
Speaker 2: we got really lucky because she's got all the personality

87
00:03:50,080 --> 00:03:52,280
Speaker 2: of a lab but not the huge size. Like if

88
00:03:52,320 --> 00:03:54,560
Speaker 2: you look at her next to a full sized labrador

89
00:03:54,560 --> 00:03:56,960
Speaker 2: like a purebread, she's like one third of their size.

90
00:03:57,120 --> 00:03:59,560
Speaker 1: Yeah, she's a great size. Oh look, mixed girl got

91
00:03:59,560 --> 00:04:01,160
Speaker 1: a mix babe, be big s puppy.

92
00:04:01,080 --> 00:04:04,880
Speaker 2: My little mutt and she's black and white too, but

93
00:04:04,920 --> 00:04:05,560
Speaker 2: you know, on the.

94
00:04:05,560 --> 00:04:11,080
Speaker 1: Nose, I love that. Oh yeah, she's adorable. You almost

95
00:04:11,080 --> 00:04:13,600
Speaker 1: make almost I'm like, oh, I want to pat a dog.

96
00:04:15,120 --> 00:04:18,480
Speaker 2: I honestly the mental health boost from having a dog

97
00:04:18,520 --> 00:04:20,240
Speaker 2: in my life, because I've been wanting a dog for

98
00:04:20,400 --> 00:04:21,760
Speaker 2: I would have had a dog years ago if it

99
00:04:21,800 --> 00:04:24,120
Speaker 2: wasn't for waiting for my partner to be on the

100
00:04:24,120 --> 00:04:26,839
Speaker 2: same page. Really frustrating, but finally we got one. But

101
00:04:26,920 --> 00:04:29,000
Speaker 2: I just I grew up with dogs and I feel

102
00:04:29,040 --> 00:04:33,040
Speaker 2: like she has. Yes, there's sort of the maintenance of

103
00:04:33,080 --> 00:04:34,960
Speaker 2: having an animal or whatever that you know, you have

104
00:04:35,000 --> 00:04:36,520
Speaker 2: to like plan your life around them a little bit,

105
00:04:36,920 --> 00:04:38,760
Speaker 2: but I think that's good practice for having a kid

106
00:04:38,800 --> 00:04:41,400
Speaker 2: for one, and then two just the mental health benefit.

107
00:04:41,440 --> 00:04:43,440
Speaker 2: I mean, I'm just so much happier. And she's also

108
00:04:43,920 --> 00:04:45,400
Speaker 2: forcing me to get out of the house, Like I

109
00:04:45,720 --> 00:04:47,400
Speaker 2: get up at seven am and go on a one

110
00:04:47,400 --> 00:04:49,600
Speaker 2: and a half mile walk that I never would have taken,

111
00:04:50,080 --> 00:04:52,920
Speaker 2: you know before. And I think that she's just had

112
00:04:52,960 --> 00:04:55,560
Speaker 2: so many benefits just even just being in my life

113
00:04:55,560 --> 00:04:57,840
Speaker 2: for a few weeks that I'm not going back. I'm

114
00:04:57,839 --> 00:04:58,680
Speaker 2: always gonna have a dog.

115
00:04:59,200 --> 00:05:01,200
Speaker 1: Yeah, honestly, they say you know. I mean that's why

116
00:05:01,240 --> 00:05:04,120
Speaker 1: you see sometimes they have like an animal kind of

117
00:05:04,160 --> 00:05:08,160
Speaker 1: like program at like like elder homes and stuff like that,

118
00:05:08,200 --> 00:05:10,839
Speaker 1: because it just it's just helpful. I remember when I

119
00:05:10,839 --> 00:05:12,440
Speaker 1: had a I mean, I know a cat's not the same,

120
00:05:12,440 --> 00:05:14,480
Speaker 1: but I was so geek with my parents because they

121
00:05:14,480 --> 00:05:15,920
Speaker 1: were like, no, you can't have this, No you can't

122
00:05:15,960 --> 00:05:18,080
Speaker 1: have that. But they felt like a cat with something

123
00:05:18,560 --> 00:05:20,760
Speaker 1: that was fairly easy. And cats are fairly easy to

124
00:05:20,800 --> 00:05:23,599
Speaker 1: take care because they're so independent. Honestly though, but it

125
00:05:23,640 --> 00:05:26,599
Speaker 1: made my day. It also made me so responsible because

126
00:05:26,640 --> 00:05:29,279
Speaker 1: like I was responsible for her vet bill, you know,

127
00:05:29,400 --> 00:05:31,560
Speaker 1: I was responsible for feeding her and making sure that

128
00:05:31,680 --> 00:05:33,240
Speaker 1: she had like you know, wherever she was going to

129
00:05:33,320 --> 00:05:36,160
Speaker 1: go to the bathroom. But it was just like nice

130
00:05:36,200 --> 00:05:38,200
Speaker 1: to have. I mean, although cats will give you the

131
00:05:38,240 --> 00:05:41,280
Speaker 1: same kind of love, it was nice to have like

132
00:05:41,400 --> 00:05:45,280
Speaker 1: this living, you know, living cute little creature just kind

133
00:05:45,320 --> 00:05:47,120
Speaker 1: of like I love you too. I mean, although cats

134
00:05:47,160 --> 00:05:48,760
Speaker 1: are like I love you too, I get.

135
00:05:48,839 --> 00:05:51,360
Speaker 2: They bless you with their presence. Is this the same

136
00:05:51,480 --> 00:05:53,520
Speaker 2: guy that you said ended up living with the neighbors.

137
00:05:54,120 --> 00:05:56,599
Speaker 1: Yes, well, I mean, to be fair, we did leave

138
00:05:56,600 --> 00:06:01,320
Speaker 1: her kind of higher drive, but still I know.

139
00:06:01,880 --> 00:06:02,080
Speaker 3: Yeah.

140
00:06:02,160 --> 00:06:03,599
Speaker 1: My dad was like, oh well, I was like, no,

141
00:06:04,240 --> 00:06:06,320
Speaker 1: she's like the thing about a cat. It's not like

142
00:06:06,320 --> 00:06:07,760
Speaker 1: a dog. We're like, I'm gonna get my cat and

143
00:06:07,760 --> 00:06:09,680
Speaker 1: bring it back like we tried. The cat was like, girl,

144
00:06:09,680 --> 00:06:11,599
Speaker 1: I don't live with you anymore. I'm still going across

145
00:06:11,600 --> 00:06:15,320
Speaker 1: the street, so you know. But it was cute for

146
00:06:15,320 --> 00:06:16,920
Speaker 1: her to let her let us know, like me hourring

147
00:06:16,920 --> 00:06:19,680
Speaker 1: out the window. Can you imagine the gall for us

148
00:06:19,680 --> 00:06:21,240
Speaker 1: to walk by and for her to be out and

149
00:06:21,240 --> 00:06:23,640
Speaker 1: be like, hey girl with her new collar on. I

150
00:06:23,720 --> 00:06:26,800
Speaker 1: was like, so, this is where you lived now, and

151
00:06:26,800 --> 00:06:29,680
Speaker 1: you're just letting me know. I'm good. Don't worry. I

152
00:06:29,720 --> 00:06:31,520
Speaker 1: get fed here. I was like, you know what, it's fine,

153
00:06:31,720 --> 00:06:33,240
Speaker 1: sit there. I wanted to even call her.

154
00:06:33,360 --> 00:06:35,800
Speaker 2: She had to do what was best for her.

155
00:06:35,880 --> 00:06:36,160
Speaker 1: You know.

156
00:06:37,080 --> 00:06:38,360
Speaker 2: She lived her best life.

157
00:06:38,400 --> 00:06:40,279
Speaker 1: Her best when I say her best, because my dad

158
00:06:40,320 --> 00:06:42,799
Speaker 1: was definitely not for an inside cat. I'm like, Daddy,

159
00:06:42,880 --> 00:06:45,200
Speaker 1: they're they're not outside, you know, like they need to

160
00:06:45,240 --> 00:06:47,919
Speaker 1: be inside. He's like no, So I used to just

161
00:06:47,960 --> 00:06:49,600
Speaker 1: have to seek her inside. But she's like, but here,

162
00:06:49,880 --> 00:06:52,800
Speaker 1: you know, they love me inside. So I'm sure she's

163
00:06:52,800 --> 00:06:54,600
Speaker 1: still lived on me and she's still alive. I mean

164
00:06:54,680 --> 00:07:00,560
Speaker 1: she was got white people. Yeah, guests were like animals

165
00:07:00,600 --> 00:07:03,920
Speaker 1: do not belong to No, no animals is I was like, Daddy,

166
00:07:04,839 --> 00:07:07,720
Speaker 1: it's cold, So if you weren't here, what would she do?

167
00:07:07,960 --> 00:07:10,160
Speaker 2: She was figured out, like daddy exactly.

168
00:07:13,720 --> 00:07:16,080
Speaker 1: Any new exciting things coming up?

169
00:07:16,640 --> 00:07:20,000
Speaker 2: Oh man, not really. We aren't taking any. I don't

170
00:07:20,000 --> 00:07:22,320
Speaker 2: even want to go there. It's very sad. No trips

171
00:07:22,360 --> 00:07:24,600
Speaker 2: for this no trips for this quarter of my life.

172
00:07:24,600 --> 00:07:26,800
Speaker 2: But I am planning this is I decided this is

173
00:07:26,800 --> 00:07:28,440
Speaker 2: the last year when I'm not the I'm like the

174
00:07:28,440 --> 00:07:31,840
Speaker 2: only person not traveling in August. I'm just sitting at

175
00:07:31,880 --> 00:07:35,920
Speaker 2: work getting everybody's out of office bouncebacks. So I'm only

176
00:07:35,920 --> 00:07:37,400
Speaker 2: going to get my life together and plan a trip

177
00:07:37,440 --> 00:07:40,120
Speaker 2: for August. Yeah, but I'm gonna see my dad in

178
00:07:40,160 --> 00:07:43,240
Speaker 2: April and see my mom in April. So I'm I am,

179
00:07:43,280 --> 00:07:45,120
Speaker 2: you know, putting my family first.

180
00:07:45,400 --> 00:07:49,000
Speaker 1: Well that's good. I'm taking two weeks. I mean, I'm

181
00:07:49,000 --> 00:07:51,560
Speaker 1: not gonna like travel travel necessarily, although I am interested

182
00:07:51,560 --> 00:07:53,200
Speaker 1: in maybe doing like a road trip somewhere. I feel

183
00:07:53,200 --> 00:07:55,320
Speaker 1: like I've always wanted to go to like Rhode Island,

184
00:07:55,560 --> 00:07:57,240
Speaker 1: even though I feel like Superman is going to be

185
00:07:57,280 --> 00:07:59,640
Speaker 1: like Rhode Island. I don't know. I want to see

186
00:07:59,720 --> 00:08:01,400
Speaker 1: like some beautiful houses, don't they have to.

187
00:08:02,600 --> 00:08:04,360
Speaker 2: I mean growing pains.

188
00:08:05,320 --> 00:08:08,480
Speaker 1: I don't know. I want to do like a road

189
00:08:08,520 --> 00:08:14,000
Speaker 1: trip somewhere, but I want to, you know, someplace where

190
00:08:14,040 --> 00:08:16,160
Speaker 1: it's like not too far, you know what. I don't

191
00:08:16,160 --> 00:08:17,360
Speaker 1: even know if I want to do a road trip

192
00:08:17,360 --> 00:08:20,520
Speaker 1: because I forgot. Superman can't even drive long distances ever

193
00:08:20,560 --> 00:08:23,760
Speaker 1: since his annuins and surgery. It's like he's not able

194
00:08:23,800 --> 00:08:26,000
Speaker 1: to drive long distances. So that means it's all me,

195
00:08:26,720 --> 00:08:28,960
Speaker 1: I know, which sucks because he used to love driving

196
00:08:29,000 --> 00:08:32,200
Speaker 1: and I don't like driving. So now I'm the designated driver,

197
00:08:32,360 --> 00:08:35,600
Speaker 1: always there and back. He's like, scity, babe, I'll just

198
00:08:35,600 --> 00:08:38,480
Speaker 1: stay awake. Here's the thing about me. If you're driving

199
00:08:38,520 --> 00:08:40,319
Speaker 1: and I'm the passenger, I'm not staying awake.

200
00:08:40,840 --> 00:08:44,400
Speaker 2: Yeah, I can't do it. My husband just like pinches

201
00:08:44,440 --> 00:08:46,280
Speaker 2: me until I wake up, and like that's just not fair.

202
00:08:47,080 --> 00:08:48,360
Speaker 2: Why can't I enjoy life?

203
00:08:49,800 --> 00:08:54,079
Speaker 1: I'm the worst. I'm like, I'm sorry, but like god forbid,

204
00:08:54,240 --> 00:08:56,160
Speaker 1: you are driving with me. I'm like, you better not

205
00:08:56,200 --> 00:08:59,040
Speaker 1: close your eyes. You keep me, you keep me company.

206
00:09:00,480 --> 00:09:02,040
Speaker 1: But yeah, so I'm hoping maybe we'll do like a

207
00:09:02,040 --> 00:09:04,120
Speaker 1: little So I'm gonna take the first two weeks off

208
00:09:04,120 --> 00:09:06,360
Speaker 1: in April just because just and when I mean off,

209
00:09:06,440 --> 00:09:09,559
Speaker 1: just like no work, just wusaw. You know, the house

210
00:09:09,679 --> 00:09:12,559
Speaker 1: is just about finish. We're like literally like tile and

211
00:09:12,640 --> 00:09:15,760
Speaker 1: were finishing the floor and like painting, so like any

212
00:09:15,920 --> 00:09:18,680
Speaker 1: any week now we'll be finally done. So I'll just

213
00:09:18,679 --> 00:09:21,559
Speaker 1: spend time bugging the contractors in there, like to the left,

214
00:09:21,840 --> 00:09:23,480
Speaker 1: to the right, ordering.

215
00:09:23,559 --> 00:09:26,520
Speaker 2: Any Renoult pictures. Where are you chronicling this experience?

216
00:09:27,160 --> 00:09:29,800
Speaker 1: Yeah, I just stopped because I was like it was

217
00:09:29,960 --> 00:09:32,000
Speaker 1: depressing for me because I would always be like, this

218
00:09:32,120 --> 00:09:34,599
Speaker 1: is the week, this is not the week. So I'm like,

219
00:09:34,679 --> 00:09:38,160
Speaker 1: at the end you wanted the ugly truth, I'll do

220
00:09:38,200 --> 00:09:41,080
Speaker 1: the big reveal at the end. Okay, So I've been

221
00:09:41,080 --> 00:09:43,880
Speaker 1: taking I haven't like obviously you know, we've been taking pictures.

222
00:09:43,920 --> 00:09:46,679
Speaker 1: But and honestly, it like the other day I thought

223
00:09:46,760 --> 00:09:48,800
Speaker 1: Superman was gonna cry because he was like, this is

224
00:09:49,160 --> 00:09:51,400
Speaker 1: even better than my wildest dreams. And I'm not gonna

225
00:09:51,440 --> 00:09:53,800
Speaker 1: lie now that the like tile has.

226
00:09:53,679 --> 00:09:58,959
Speaker 4: Gone in me too, I'm like, wow, my my designer Rihanna,

227
00:09:59,520 --> 00:10:01,560
Speaker 4: she and her so like I said, they're like a

228
00:10:01,640 --> 00:10:05,440
Speaker 4: chip and Joanna husband wife designed to have a construction

229
00:10:05,559 --> 00:10:09,920
Speaker 4: team and her her husband's name is Jermaine and so

230
00:10:09,920 --> 00:10:11,280
Speaker 4: they have a company called Remain.

231
00:10:11,480 --> 00:10:14,080
Speaker 1: Isn't that cute? Remain r E m A I N

232
00:10:14,480 --> 00:10:18,480
Speaker 1: Remain Homes. And so sometimes Rihanna would be like, you know,

233
00:10:18,679 --> 00:10:21,760
Speaker 1: because I'm really conservative in like my design choices, She's like,

234
00:10:21,800 --> 00:10:24,240
Speaker 1: well why not look at this? So why not try this?

235
00:10:24,320 --> 00:10:25,959
Speaker 1: And what about this? Siviy And I'd be like no,

236
00:10:26,240 --> 00:10:28,840
Speaker 1: But now that everything's getting put in, I'm like, oh

237
00:10:28,960 --> 00:10:32,360
Speaker 1: my goodness, it looks amazeball. So I'm not even gonna lie,

238
00:10:32,360 --> 00:10:34,559
Speaker 1: like I can't believe this is going to be our house.

239
00:10:34,840 --> 00:10:38,000
Speaker 1: I feel like the best advice I got from someone

240
00:10:38,080 --> 00:10:40,880
Speaker 1: was from my business partner, Jabro. He said, Tiffany, when

241
00:10:40,880 --> 00:10:43,520
Speaker 1: I first started, like, you know, doing the renovations, he said,

242
00:10:44,040 --> 00:10:47,440
Speaker 1: do not budget needs to the house. And I was like,

243
00:10:47,520 --> 00:10:50,360
Speaker 1: and I know what he meant. He was like, basically,

244
00:10:50,480 --> 00:10:54,040
Speaker 1: I'm someone who does I take the layed gratification too

245
00:10:54,120 --> 00:10:56,679
Speaker 1: far and I'm always like the next time, the next one,

246
00:10:56,720 --> 00:10:58,800
Speaker 1: the next one. And so he was like, you know,

247
00:10:58,960 --> 00:11:02,200
Speaker 1: you work really hard. You deserve to have a beautiful

248
00:11:02,200 --> 00:11:04,920
Speaker 1: place to live and stay, and you know, like and

249
00:11:04,960 --> 00:11:06,480
Speaker 1: you spend a lot of time at home because you

250
00:11:06,480 --> 00:11:08,560
Speaker 1: work from home. So just like, get the things that

251
00:11:08,640 --> 00:11:10,280
Speaker 1: you want. I mean obviously you know, don't put yourself

252
00:11:10,320 --> 00:11:12,880
Speaker 1: in financial harms way, but get the things that you want.

253
00:11:13,240 --> 00:11:15,320
Speaker 1: And so I listen to that, and I'm so happy

254
00:11:15,360 --> 00:11:16,920
Speaker 1: because I really don't think we're going to be moving

255
00:11:16,960 --> 00:11:17,560
Speaker 1: anytime soon.

256
00:11:18,920 --> 00:11:21,240
Speaker 2: Yeah, I mean, and you also think about what you

257
00:11:21,280 --> 00:11:23,200
Speaker 2: want to come home to, yeah, and what will make

258
00:11:23,240 --> 00:11:25,480
Speaker 2: you feel relaxed, and yeah, I had the same kind

259
00:11:25,480 --> 00:11:29,079
Speaker 2: of conversations with my husband about really investing in the

260
00:11:29,120 --> 00:11:31,120
Speaker 2: spaces that were most important and where we spent most

261
00:11:31,160 --> 00:11:34,480
Speaker 2: of our time so that we could really, yeah, just

262
00:11:34,480 --> 00:11:36,319
Speaker 2: be happy and feel like if you're living in the

263
00:11:36,360 --> 00:11:38,200
Speaker 2: house for ten years or whatever, that it's a place

264
00:11:38,240 --> 00:11:40,160
Speaker 2: that you want to come home to. And at a

265
00:11:40,200 --> 00:11:42,680
Speaker 2: certain point forgetting about like a little bit about the

266
00:11:42,720 --> 00:11:45,319
Speaker 2: resale value and will you recoup the investment. No, you're

267
00:11:45,320 --> 00:11:47,599
Speaker 2: not going to recoup everything, but yeah, you know, the

268
00:11:47,800 --> 00:11:50,600
Speaker 2: the investment in your mental health and like your space

269
00:11:50,640 --> 00:11:51,360
Speaker 2: for your family.

270
00:11:51,760 --> 00:11:52,480
Speaker 1: It's exciting.

271
00:11:52,640 --> 00:11:53,760
Speaker 2: I can't wait. It is.

272
00:11:53,960 --> 00:11:56,440
Speaker 1: And also to like you know, it's not like you know,

273
00:11:56,520 --> 00:11:59,160
Speaker 1: I'm not some spend spend a haulic. So it's like tifany,

274
00:11:59,160 --> 00:12:02,480
Speaker 1: it's okay and a little bit of boy, like you know,

275
00:12:02,559 --> 00:12:05,439
Speaker 1: it's okay to get the marble instead of the ceramic

276
00:12:05,520 --> 00:12:08,240
Speaker 1: tile here, it's okay, girl, the extra two hundred dollars,

277
00:12:08,320 --> 00:12:12,520
Speaker 1: it's okay, you know, so exactly, and so yeah, I

278
00:12:12,520 --> 00:12:14,560
Speaker 1: can't wait hot to see it. So when it I

279
00:12:14,600 --> 00:12:16,400
Speaker 1: really feel like and it's going to be like less

280
00:12:16,400 --> 00:12:18,800
Speaker 1: than a month, well it'll the shell will be done.

281
00:12:18,840 --> 00:12:20,160
Speaker 1: Like you know, we won't have all of our furniture

282
00:12:20,160 --> 00:12:22,480
Speaker 1: stuff becuse we're still ordering because most of the stuff,

283
00:12:22,600 --> 00:12:24,960
Speaker 1: most of the furniture that we live with now is

284
00:12:25,000 --> 00:12:27,280
Speaker 1: like my husband's like bachelor furniture, and he's like, what

285
00:12:27,280 --> 00:12:29,400
Speaker 1: about this. I'm like, babe, what part of almost everything

286
00:12:29,480 --> 00:12:32,840
Speaker 1: is staying? Don't you understand? I don't want your bachelor

287
00:12:32,920 --> 00:12:35,160
Speaker 1: furniture and anything that you want to take with us.

288
00:12:35,320 --> 00:12:36,959
Speaker 1: That's what the man cave is for. He's so sick

289
00:12:37,000 --> 00:12:39,520
Speaker 1: of me saying. He's like the man cave, right, I'm like.

290
00:12:39,520 --> 00:12:43,120
Speaker 2: You got it, just put that on the box.

291
00:12:43,160 --> 00:12:46,480
Speaker 1: Exactly, put that in the man cave. And so he's

292
00:12:46,480 --> 00:12:49,040
Speaker 1: excited about his man cave. Boy, He's like, yes, I've

293
00:12:49,040 --> 00:12:50,959
Speaker 1: got to be able to watch the game loud. I'm

294
00:12:50,960 --> 00:12:53,080
Speaker 1: going to be able to have my friends over. So

295
00:12:53,160 --> 00:12:55,800
Speaker 1: our our our compromise was he could do whatever he

296
00:12:55,840 --> 00:12:58,320
Speaker 1: wants in the man cave far as decorations, you know,

297
00:12:58,360 --> 00:13:00,840
Speaker 1: because I don't really particularly care for his sense of

298
00:13:00,960 --> 00:13:03,160
Speaker 1: style and color. And then I get that. I get

299
00:13:03,160 --> 00:13:05,920
Speaker 1: the rest of it, the rest of the house. Even

300
00:13:05,920 --> 00:13:08,200
Speaker 1: though sometimes he's like, ooh, I think we should put

301
00:13:08,240 --> 00:13:11,079
Speaker 1: I'm like, remember the rule. So he does get one

302
00:13:11,200 --> 00:13:14,920
Speaker 1: veto one like absolutely not. I don't want, you know whatever.

303
00:13:15,240 --> 00:13:17,559
Speaker 1: But for the most part, I mean, you know, because

304
00:13:17,559 --> 00:13:20,720
Speaker 1: my husband's like he likes really bold, loud colors in

305
00:13:20,720 --> 00:13:22,720
Speaker 1: the house and I don't. I'm more of a neutral

306
00:13:23,080 --> 00:13:25,280
Speaker 1: and maybe like the furniture or like the pillows be

307
00:13:25,320 --> 00:13:27,520
Speaker 1: a little bit bold, not the wall color, like like

308
00:13:27,600 --> 00:13:29,640
Speaker 1: little we have a burgundy wall in our house, an

309
00:13:29,720 --> 00:13:33,240
Speaker 1: orange wall, a green wall. Let me see what other

310
00:13:33,280 --> 00:13:36,840
Speaker 1: colors we have. Those colors don't go together in our

311
00:13:36,880 --> 00:13:40,240
Speaker 1: in our current apartment, in our oh no, there was

312
00:13:40,240 --> 00:13:41,880
Speaker 1: that that was not happening in the house. I was like,

313
00:13:42,160 --> 00:13:46,240
Speaker 1: absolutely not so like burgundy, orange, green, I mean, when

314
00:13:46,240 --> 00:13:47,760
Speaker 1: I tell you we have so many colors, we have

315
00:13:47,840 --> 00:13:51,920
Speaker 1: some trim that's chocolate brown. Who why? Why? Why? Why

316
00:13:52,000 --> 00:13:53,760
Speaker 1: is there chocolate brown trimp? Why is that even a thing?

317
00:13:54,240 --> 00:13:56,480
Speaker 1: So I told him he's not allowed to crack his

318
00:13:56,520 --> 00:13:59,720
Speaker 1: lips to make any color choices except for in the basement.

319
00:14:00,120 --> 00:14:02,199
Speaker 1: You can go crazy, sun, you can make this place

320
00:14:02,240 --> 00:14:05,760
Speaker 1: as wildly colorful as you like, because no one's coming

321
00:14:05,760 --> 00:14:07,080
Speaker 1: down here. This belongs to you.

322
00:14:08,000 --> 00:15:18,120
Speaker 3: He's like, okay, fine.

323
00:14:45,440 --> 00:14:47,840
Speaker 2: Okay, I've got to I'm trying. I was trying to

324
00:14:47,880 --> 00:14:50,920
Speaker 2: find a way to segue to the to the headline

325
00:14:50,920 --> 00:14:53,440
Speaker 2: for the show today, which is auto loane debt, but

326
00:14:53,520 --> 00:14:56,240
Speaker 2: I didn't achieve it. So we're just gonna jump right in,

327
00:14:56,520 --> 00:14:59,600
Speaker 2: yay auto loan debt. So this is something that over

328
00:14:59,640 --> 00:15:02,520
Speaker 2: the years we've covered, I've always covered like auto loan debt.

329
00:15:02,560 --> 00:15:05,080
Speaker 2: You know, auto loan debt has been rising. And what

330
00:15:05,120 --> 00:15:07,400
Speaker 2: you hear when people say, you know, are we reaching

331
00:15:07,440 --> 00:15:10,920
Speaker 2: crisis status with auto loans debt in America? Is it

332
00:15:10,960 --> 00:15:14,920
Speaker 2: as bad as the subprime mortgage crisis, you know that

333
00:15:15,160 --> 00:15:17,800
Speaker 2: precipitated the recession. Is it as bad as a student

334
00:15:17,840 --> 00:15:19,680
Speaker 2: loan debt crisis? And the answer has always been no,

335
00:15:20,360 --> 00:15:23,120
Speaker 2: you know, because delinquency rates for auto loans haven't always

336
00:15:23,160 --> 00:15:27,120
Speaker 2: been that bad. And the reason is, and the reason

337
00:15:27,120 --> 00:15:30,200
Speaker 2: people's experts will say, is because people need their cars,

338
00:15:30,440 --> 00:15:32,640
Speaker 2: like they're always going to pay their car note, because

339
00:15:32,640 --> 00:15:34,720
Speaker 2: they needed to get to and from their actual job.

340
00:15:35,520 --> 00:15:37,520
Speaker 2: So it's one of these things that while debt has

341
00:15:37,560 --> 00:15:39,960
Speaker 2: been increasing, people haven't been as worried because it hasn't

342
00:15:40,000 --> 00:15:44,720
Speaker 2: become this whole source of delinquency. But I find auto

343
00:15:44,760 --> 00:15:46,680
Speaker 2: loan debt in America, the numbers that we have in

344
00:15:46,720 --> 00:15:49,440
Speaker 2: our most recent Lending Tree analysis of auto loan debt

345
00:15:49,520 --> 00:15:52,280
Speaker 2: just really just caught me off guard, and I wanted

346
00:15:52,320 --> 00:15:54,800
Speaker 2: to spend some time talking about auto loan debt and

347
00:15:54,920 --> 00:15:57,160
Speaker 2: about the car culture that we have in this country,

348
00:15:57,480 --> 00:16:01,120
Speaker 2: and how I genuinely feel like if people treated, if

349
00:16:01,160 --> 00:16:04,040
Speaker 2: people were less willing to take on so much debt

350
00:16:04,040 --> 00:16:07,640
Speaker 2: for their cars, they could so much easier achieve other

351
00:16:07,720 --> 00:16:10,080
Speaker 2: financial goals that they have in life, Like how you

352
00:16:10,160 --> 00:16:12,280
Speaker 2: read those studies all the time that say that Americans

353
00:16:12,320 --> 00:16:15,280
Speaker 2: can't scrounge up four hundred dollars for an emergency, Well,

354
00:16:15,320 --> 00:16:18,680
Speaker 2: the average auto loan in America, the average car note

355
00:16:18,680 --> 00:16:20,760
Speaker 2: in America, it's over five hundred dollars.

356
00:16:21,080 --> 00:16:23,240
Speaker 1: I'm not sure. I remember I told you that story

357
00:16:23,240 --> 00:16:26,000
Speaker 1: about Superman had a nine hundred dollars car note when

358
00:16:26,000 --> 00:16:30,920
Speaker 1: I met him, remember, and I met it was that much. Yeah,

359
00:16:31,040 --> 00:16:35,120
Speaker 1: and then that didn't include insurance. And I was like,

360
00:16:35,160 --> 00:16:37,440
Speaker 1: so this is this is your house you live, this

361
00:16:37,520 --> 00:16:39,640
Speaker 1: is a mortgage and you live in his house. And

362
00:16:40,120 --> 00:16:43,160
Speaker 1: his excuse was because he worked for the City of

363
00:16:43,200 --> 00:16:46,920
Speaker 1: Newark the site that he lived on, because he was

364
00:16:46,960 --> 00:16:50,000
Speaker 1: like on call, he didn't have to he didn't have

365
00:16:50,000 --> 00:16:52,440
Speaker 1: to pay rent. So he was like, I can splurge

366
00:16:52,480 --> 00:16:54,960
Speaker 1: on my car because I'm not paying rent. And I

367
00:16:55,040 --> 00:16:57,240
Speaker 1: was like, so what happens one day if they're like psych,

368
00:16:57,640 --> 00:16:59,760
Speaker 1: you know, we're going to eliminate the own call pard

369
00:17:00,280 --> 00:17:02,320
Speaker 1: and asked you to pay rent. And he was like well,

370
00:17:02,400 --> 00:17:04,560
Speaker 1: and I was like really adamant about it. And so

371
00:17:04,600 --> 00:17:08,040
Speaker 1: he actually had to surrender his car back because I'm like,

372
00:17:08,040 --> 00:17:10,080
Speaker 1: it's just too high. It doesn't make sense. It's too high.

373
00:17:10,200 --> 00:17:12,040
Speaker 1: He had a denialatege one of those big trucks, you know,

374
00:17:12,840 --> 00:17:15,000
Speaker 1: or whatever the current year was, and so he did,

375
00:17:15,840 --> 00:17:18,160
Speaker 1: and sure enough, two months later after he did that

376
00:17:18,720 --> 00:17:21,439
Speaker 1: he they took away that part of his position and

377
00:17:21,480 --> 00:17:23,520
Speaker 1: he had to pay rent. And he was like, and

378
00:17:23,560 --> 00:17:24,840
Speaker 1: you know, I didn't want to say I told you so,

379
00:17:24,880 --> 00:17:28,679
Speaker 1: but I said, I told you, But I just remember,

380
00:17:28,760 --> 00:17:31,080
Speaker 1: I'm not gonna lie, you know, Mandy. Up until that,

381
00:17:31,160 --> 00:17:34,000
Speaker 1: I didn't even know car loans could get as high

382
00:17:34,000 --> 00:17:35,919
Speaker 1: as nine hundred dollars and I couldn't.

383
00:17:36,119 --> 00:17:38,200
Speaker 2: That's like a mortgage payment. That's crazy.

384
00:17:38,240 --> 00:17:41,439
Speaker 1: It's like it is a mortgage payment. I didn't. I'm like,

385
00:17:41,600 --> 00:17:46,040
Speaker 1: how does a salesperson and good conscience tell you they.

386
00:17:45,840 --> 00:17:47,600
Speaker 2: Don't have a conscience. That's not part of their job.

387
00:17:47,840 --> 00:17:49,680
Speaker 2: They when you walk into the dealership, and this is

388
00:17:49,720 --> 00:17:51,240
Speaker 2: a mistake so many people and we'll get into the

389
00:17:51,320 --> 00:17:53,000
Speaker 2: numbers in a minute, but the mistakes so many people

390
00:17:53,000 --> 00:17:55,080
Speaker 2: make when they walk into the dealership is they go

391
00:17:55,119 --> 00:17:57,000
Speaker 2: in with the kind of car that they want, and

392
00:17:57,080 --> 00:17:59,359
Speaker 2: all they want they want the dealer to tell them

393
00:17:59,400 --> 00:18:01,840
Speaker 2: they can have it. And the dealer is more than

394
00:18:01,880 --> 00:18:04,760
Speaker 2: happy to pull strings behind the scenes, getting you all

395
00:18:04,840 --> 00:18:07,760
Speaker 2: kinds of financing from their lender partners to make that happen.

396
00:18:07,840 --> 00:18:11,119
Speaker 2: Because of course, dealers get a kickback from the lenders

397
00:18:11,119 --> 00:18:14,199
Speaker 2: in their network in the financing office for selling you

398
00:18:14,240 --> 00:18:16,439
Speaker 2: the biggest loan possible. They get a percentage of that,

399
00:18:16,520 --> 00:18:18,440
Speaker 2: so of course they're going to want to get you approved.

400
00:18:19,040 --> 00:18:21,639
Speaker 2: But let's let's talk a little bit about like the

401
00:18:21,720 --> 00:18:23,760
Speaker 2: crisis itself, which I'm going to call it a crisis.

402
00:18:23,800 --> 00:18:26,600
Speaker 2: Maybe you know, economists don't agree with me, but I

403
00:18:27,119 --> 00:18:30,119
Speaker 2: these numbers are really outstanding to me. So let's start

404
00:18:30,119 --> 00:18:33,280
Speaker 2: with the big picture. Right now, Americans have over one

405
00:18:33,359 --> 00:18:37,200
Speaker 2: point one four trillion dollars worth of auto loan debt

406
00:18:37,680 --> 00:18:40,760
Speaker 2: let that sink in. That's up twenty three percent than

407
00:18:40,800 --> 00:18:45,320
Speaker 2: twenty three the year twenty thirteen. Right now, auto loans

408
00:18:45,400 --> 00:18:49,879
Speaker 2: count for about eight percent of outstanding consumer debt. Generation

409
00:18:50,160 --> 00:18:51,720
Speaker 2: x if we can get down to like age level

410
00:18:51,960 --> 00:18:54,959
Speaker 2: gen xers. I'm talking to you, not utif, because your exception.

411
00:18:55,480 --> 00:18:58,480
Speaker 2: Gen Xers out of any generation, carry the highest auto

412
00:18:58,560 --> 00:19:03,240
Speaker 2: loan balances with the mean of eighteen thousand, seven hundred dollars.

413
00:19:03,560 --> 00:19:06,439
Speaker 2: But the average list let's focus on this for a second.

414
00:19:06,760 --> 00:19:10,360
Speaker 2: The average amount that people are borrowing for a new

415
00:19:10,400 --> 00:19:14,320
Speaker 2: car in the US is nearly thirty thousand dollars, which

416
00:19:14,359 --> 00:19:17,480
Speaker 2: is five thousand dollars more than we were borrowing as

417
00:19:17,520 --> 00:19:19,840
Speaker 2: a country for new cars just a decade ago.

418
00:19:23,960 --> 00:19:26,320
Speaker 1: That I mean, that's crazy for a car, and not

419
00:19:26,880 --> 00:19:31,480
Speaker 1: student loans, not a home, but a car, a car.

420
00:19:31,640 --> 00:19:35,160
Speaker 2: For used cars slightly better, but still nearly twenty thousand dollars.

421
00:19:35,520 --> 00:19:38,000
Speaker 2: That was the average new car loan at the end

422
00:19:38,000 --> 00:19:41,359
Speaker 2: of twenty eighteen. And what's like another shocking statistics from

423
00:19:41,400 --> 00:19:44,480
Speaker 2: this finding is that people with good credit actually take

424
00:19:44,520 --> 00:19:47,600
Speaker 2: out higher auto loans, like they're more likely to take

425
00:19:47,640 --> 00:19:50,040
Speaker 2: out the big auto loans. So I mentioned, the average

426
00:19:50,119 --> 00:19:53,919
Speaker 2: new car loan, according to our analysis is about thirty

427
00:19:53,960 --> 00:19:57,240
Speaker 2: one thirty thirty thousand, and thirty one thousand dollars. If

428
00:19:57,280 --> 00:19:59,680
Speaker 2: you have a good credit score excellent credit score, you're

429
00:19:59,720 --> 00:20:02,120
Speaker 2: taking out nearly thirty three thousand dollars for a new

430
00:20:02,119 --> 00:20:04,879
Speaker 2: car and nearly twenty two thousand dollars for a used car.

431
00:20:05,480 --> 00:20:07,560
Speaker 1: Because you don't feel it, You're like, who, I've got

432
00:20:07,600 --> 00:20:10,960
Speaker 1: good credit, my interest rate is lower, so your payment

433
00:20:11,119 --> 00:20:14,560
Speaker 1: might be the same as someone who borrowed less, you know,

434
00:20:14,920 --> 00:20:16,880
Speaker 1: but so you're just like, either way, we're both paying

435
00:20:16,880 --> 00:20:19,480
Speaker 1: five hundred. But it psygnosis. At the end of the day,

436
00:20:19,520 --> 00:20:20,680
Speaker 1: you're going to end up paying more.

437
00:20:21,359 --> 00:20:23,320
Speaker 2: Yeah, And when you when you compare like the rates

438
00:20:23,320 --> 00:20:25,800
Speaker 2: on auto loans to like, say a credit card, it

439
00:20:25,840 --> 00:20:29,200
Speaker 2: does look like a better deal. Okay, so, yeah, I've

440
00:20:29,200 --> 00:20:31,439
Speaker 2: got thirty thirty thousand dollars on an auto loan, but

441
00:20:31,480 --> 00:20:34,359
Speaker 2: my interest rate's only five percent for example, or the

442
00:20:34,440 --> 00:20:36,840
Speaker 2: average rate in America right now is seven percent. Yeah,

443
00:20:36,880 --> 00:20:39,600
Speaker 2: that sounds a lot better than you know, a credit card,

444
00:20:39,600 --> 00:20:41,960
Speaker 2: which the average rate is about fifteen or sixteen percent.

445
00:20:42,040 --> 00:20:46,879
Speaker 2: Now that's true. However, the problem is that the length

446
00:20:47,240 --> 00:20:49,560
Speaker 2: of terms that people are getting, so the amount of

447
00:20:49,560 --> 00:20:52,119
Speaker 2: time they sign up to pay back their auto loans

448
00:20:52,200 --> 00:20:55,160
Speaker 2: is only getting longer. So even just in the last

449
00:20:55,800 --> 00:21:00,240
Speaker 2: quarter of twenty eighteen, the length of auto loan term

450
00:21:00,400 --> 00:21:02,399
Speaker 2: increased by half a month. So right now people are

451
00:21:02,440 --> 00:21:04,520
Speaker 2: taking out loans for an average sixty eight and a

452
00:21:04,560 --> 00:21:07,760
Speaker 2: half months, which is what is that over six years

453
00:21:07,800 --> 00:21:11,560
Speaker 2: or nearly six years. And what happens is, Yeah, that

454
00:21:11,960 --> 00:21:14,800
Speaker 2: seven percent APR doesn't seem that bad, but you add

455
00:21:14,800 --> 00:21:16,960
Speaker 2: that up over a six year period, and you're adding

456
00:21:17,080 --> 00:21:19,919
Speaker 2: thousands and thousands of dollars to the original cost of

457
00:21:19,960 --> 00:21:22,760
Speaker 2: your car, which is a depreciating asset in the first place,

458
00:21:23,320 --> 00:21:25,720
Speaker 2: so the value is going down but your loan bill

459
00:21:25,800 --> 00:21:29,479
Speaker 2: is going up because of this interest that's accruing. And

460
00:21:29,560 --> 00:21:32,760
Speaker 2: for me, I just don't see the and I'm judging.

461
00:21:32,760 --> 00:21:34,439
Speaker 2: Wedgie was a bear. I know I sound very like

462
00:21:34,480 --> 00:21:37,720
Speaker 2: judging and creachy, but I you know, even if you

463
00:21:37,800 --> 00:21:40,200
Speaker 2: have to, like you have to look at a car note,

464
00:21:40,320 --> 00:21:43,720
Speaker 2: for me, it was always an extra expense that I

465
00:21:43,960 --> 00:21:47,000
Speaker 2: that in my mind, was taking away from something else

466
00:21:47,040 --> 00:21:48,760
Speaker 2: that I could do with that, you know, three hundred

467
00:21:48,800 --> 00:21:51,000
Speaker 2: four hundred dollars a month. And when my husband and

468
00:21:51,000 --> 00:21:52,639
Speaker 2: I we live in New York City, we didn't necessarily

469
00:21:52,640 --> 00:21:54,359
Speaker 2: need a car for a long time, but finally we

470
00:21:54,400 --> 00:21:55,920
Speaker 2: needed one when we were moving out of the city.

471
00:21:56,480 --> 00:21:58,480
Speaker 2: And when we were looking at cars, we would fight

472
00:21:58,520 --> 00:21:59,959
Speaker 2: about this, you know, what kind of car to gain,

473
00:22:00,160 --> 00:22:03,760
Speaker 2: how much to borrow? And for me, it was about

474
00:22:03,800 --> 00:22:06,320
Speaker 2: getting a reliable car. Of course, you want a reliable car,

475
00:22:07,280 --> 00:22:11,360
Speaker 2: but I was at a minimum wanting like a pre sorry, certified,

476
00:22:11,400 --> 00:22:13,840
Speaker 2: pre owned car. So at least you're walking with with

477
00:22:13,840 --> 00:22:16,040
Speaker 2: a car that's already had its depreciation. You know, it's

478
00:22:16,040 --> 00:22:18,240
Speaker 2: been driven off the lot, someone else paid for it,

479
00:22:18,280 --> 00:22:20,320
Speaker 2: and now you're getting at a lower price, but it's

480
00:22:20,320 --> 00:22:23,159
Speaker 2: still you know, reliable because it's not that old. And

481
00:22:23,200 --> 00:22:25,520
Speaker 2: then I wanted to aggressively paid off as quickly as

482
00:22:25,560 --> 00:22:27,679
Speaker 2: I could because I just didn't want this to be

483
00:22:28,359 --> 00:22:31,240
Speaker 2: a line item on my budget that was taking away

484
00:22:31,240 --> 00:22:35,320
Speaker 2: from other goals that I had. So I'm speaking from experience,

485
00:22:35,560 --> 00:22:38,800
Speaker 2: and I just want wanted to open up the conversation

486
00:22:38,920 --> 00:22:42,240
Speaker 2: just to talk about it and also challenge our listeners

487
00:22:42,280 --> 00:22:44,160
Speaker 2: to look at how much they're spending on their car,

488
00:22:44,680 --> 00:22:46,480
Speaker 2: like go to and I'll share a link to this

489
00:22:47,040 --> 00:22:49,720
Speaker 2: interest loan calculator in the show notes, so you can

490
00:22:49,720 --> 00:22:52,320
Speaker 2: actually punch in how much your auto loan note is

491
00:22:52,760 --> 00:22:54,960
Speaker 2: how many months you have left and your interest rate,

492
00:22:55,359 --> 00:22:57,680
Speaker 2: and see in black and white how much money you're

493
00:22:57,680 --> 00:23:00,240
Speaker 2: going to spend in interest over the years. And you

494
00:23:00,320 --> 00:23:04,159
Speaker 2: might think differently about that car itself. And made me

495
00:23:04,200 --> 00:23:08,119
Speaker 2: think about taking to the extreme. Like with Superman, he

496
00:23:08,160 --> 00:23:11,320
Speaker 2: surrendered his car, you said, or he sold it? What

497
00:23:11,359 --> 00:23:12,160
Speaker 2: did he do with his car?

498
00:23:13,320 --> 00:23:17,560
Speaker 1: He well, he's so well basically he they bought it back,

499
00:23:17,680 --> 00:23:19,679
Speaker 1: you know, and he still owed a little bit on it,

500
00:23:20,200 --> 00:23:22,199
Speaker 1: you know, so because you know, because the appreciation, So

501
00:23:22,320 --> 00:23:24,080
Speaker 1: I can't remember. Let's just say the car was like

502
00:23:24,520 --> 00:23:26,719
Speaker 1: forty thousand dollars and they bought it back for like

503
00:23:26,880 --> 00:23:29,240
Speaker 1: thirty thousand or thirty five thousand or whatever, and he

504
00:23:29,240 --> 00:23:31,920
Speaker 1: had already made whatever amount of payments, so there might

505
00:23:31,960 --> 00:23:33,360
Speaker 1: have been I think there was probably like a four

506
00:23:33,359 --> 00:23:35,760
Speaker 1: thousand dollar difference or a three or four thousand dollars difference,

507
00:23:36,280 --> 00:23:40,119
Speaker 1: and so he he actually took out like a low

508
00:23:40,359 --> 00:23:43,199
Speaker 1: or no interest loan from his credit union and you know,

509
00:23:43,240 --> 00:23:46,560
Speaker 1: and then paid that, paid the dealership, and then paid

510
00:23:46,560 --> 00:23:48,400
Speaker 1: his credit union back. I think it took about six

511
00:23:48,440 --> 00:23:51,000
Speaker 1: months to pay the credit union back, and then we

512
00:23:51,040 --> 00:23:53,320
Speaker 1: had no car, but we also had no car debt.

513
00:23:53,560 --> 00:23:54,160
Speaker 1: So that's a.

514
00:23:54,119 --> 00:23:57,520
Speaker 2: Good point is when you yeah, because it's the asset itself,

515
00:23:57,560 --> 00:24:01,280
Speaker 2: the car is just decreasing in value while you and

516
00:24:01,359 --> 00:24:03,720
Speaker 2: especially if you put down a load down payment, and

517
00:24:03,800 --> 00:24:06,840
Speaker 2: people who have good credit, excellent credit, you can qualify

518
00:24:06,880 --> 00:24:10,159
Speaker 2: for those zero percent you know, down no down payment

519
00:24:10,280 --> 00:24:12,199
Speaker 2: car loans that it actually exists and are out there

520
00:24:12,200 --> 00:24:14,119
Speaker 2: if you have excellent credit. But that means you're just

521
00:24:14,119 --> 00:24:16,679
Speaker 2: taking on more loan debt, and that means that if

522
00:24:16,680 --> 00:24:18,359
Speaker 2: you get in a situation where you want to sell

523
00:24:18,359 --> 00:24:20,520
Speaker 2: that car or you can't afford the payments, anymore and

524
00:24:20,560 --> 00:24:22,600
Speaker 2: you try and sell it or surrender it, you know,

525
00:24:23,960 --> 00:24:28,520
Speaker 2: to the lender, then you may be underwater, which means

526
00:24:28,520 --> 00:24:31,120
Speaker 2: that you go like your loan is worth more than

527
00:24:31,119 --> 00:24:33,760
Speaker 2: the car actually is anymore. So that's what happens when

528
00:24:33,760 --> 00:24:36,359
Speaker 2: you don't put down a sufficient down payment on a car,

529
00:24:36,440 --> 00:24:38,880
Speaker 2: which is I think recommended to it. Well, the classic

530
00:24:38,920 --> 00:24:42,920
Speaker 2: twenty percent rule. Put down a healthy down payment to

531
00:24:43,000 --> 00:24:47,000
Speaker 2: at least cover whatever that first year's depreciation is to

532
00:24:47,040 --> 00:24:49,040
Speaker 2: put you in a position where you're not like underwater.

533
00:24:49,760 --> 00:24:51,920
Speaker 1: And so you know, you like, you know, obviously he

534
00:24:52,040 --> 00:24:54,159
Speaker 1: you know, he lives and he learns, but I'm not

535
00:24:54,200 --> 00:24:56,040
Speaker 1: gonna lie. It took a long time for him to

536
00:24:56,119 --> 00:24:58,800
Speaker 1: get it because like he wanted his truck back. So

537
00:24:59,080 --> 00:25:01,040
Speaker 1: that because you know, my husban and it's tall, so

538
00:25:01,080 --> 00:25:03,679
Speaker 1: you know, you know husby, your husband is tall. You know,

539
00:25:03,760 --> 00:25:07,080
Speaker 1: they love that idea of a truck. Don't think testlla.

540
00:25:07,200 --> 00:25:09,119
Speaker 2: If I hear the word tesla one more time and

541
00:25:09,160 --> 00:25:11,520
Speaker 2: he will not to this day, Tesla, he points it

542
00:25:11,520 --> 00:25:12,960
Speaker 2: out in the street. I'm like, we are not getting

543
00:25:12,960 --> 00:25:15,800
Speaker 2: a forty five sixty thousand dollars whatever it is like car.

544
00:25:16,320 --> 00:25:18,360
Speaker 2: We have no car debt I'm like, that's a good

545
00:25:18,359 --> 00:25:20,440
Speaker 2: place to be. Look at this thing in my driveway.

546
00:25:20,480 --> 00:25:22,840
Speaker 2: It's an asset to me. I sell it, I own

547
00:25:22,840 --> 00:25:25,560
Speaker 2: the title, I get the cash. You know, that's to

548
00:25:25,600 --> 00:25:27,960
Speaker 2: me an asset, and I look at that as an extra,

549
00:25:28,119 --> 00:25:30,119
Speaker 2: you know, five hundred dollars we can be putting toward

550
00:25:30,520 --> 00:25:34,199
Speaker 2: our savings or vacation the house. You know, people want

551
00:25:34,240 --> 00:25:36,920
Speaker 2: to say, how did you get a house? Yes, there's

552
00:25:36,960 --> 00:25:39,160
Speaker 2: other you know, I've obviously been saving for a long time.

553
00:25:39,200 --> 00:25:42,120
Speaker 2: But I think being so hell bent on not accruing

554
00:25:42,119 --> 00:25:44,320
Speaker 2: a lot of unnecessary debt also helped.

555
00:25:44,760 --> 00:25:47,480
Speaker 1: Yeah, I think that that's the thing that worries me

556
00:25:47,600 --> 00:25:49,800
Speaker 1: about folks the most. You know, what we do with

557
00:25:49,840 --> 00:25:53,639
Speaker 1: financial education is that I don't think that there's enough

558
00:25:53,760 --> 00:25:58,200
Speaker 1: hesitancy on creating new debt, Isn't it doesn't it seem

559
00:25:58,240 --> 00:26:01,560
Speaker 1: strange right that people people like will literally have And

560
00:26:01,560 --> 00:26:03,800
Speaker 1: I'm not judging, I mean, because I've been here. You know,

561
00:26:03,840 --> 00:26:06,440
Speaker 1: you'll sign up for a couch bill, a TV bill,

562
00:26:06,520 --> 00:26:09,080
Speaker 1: a blender bill, and so that's anytime you swipe your

563
00:26:09,119 --> 00:26:11,360
Speaker 1: card for like, oh I'm gonna buy this, I'm gonna

564
00:26:11,359 --> 00:26:13,680
Speaker 1: buy that, and without the intention of paying it off

565
00:26:13,680 --> 00:26:15,919
Speaker 1: in full. When the bill comes you have like you

566
00:26:15,960 --> 00:26:17,600
Speaker 1: have a now you have a dress bill and a

567
00:26:17,600 --> 00:26:21,160
Speaker 1: comforter bill, and and so accruing all of this debt.

568
00:26:21,640 --> 00:26:23,359
Speaker 1: And I mean it was one of the things like

569
00:26:23,440 --> 00:26:26,480
Speaker 1: when I don't you know, I don't. I guess it's because,

570
00:26:26,520 --> 00:26:28,359
Speaker 1: like you know, just from my dad and growing up

571
00:26:28,359 --> 00:26:32,320
Speaker 1: and just being like really preached to about the dangers

572
00:26:32,320 --> 00:26:34,360
Speaker 1: of debt. That one of the things I did when

573
00:26:34,400 --> 00:26:37,000
Speaker 1: I moved out was really to be mindful of is

574
00:26:37,040 --> 00:26:40,120
Speaker 1: this going to add an additional debt to my monthly

575
00:26:40,240 --> 00:26:42,760
Speaker 1: you know, my monthly payments, and just being like, well,

576
00:26:42,800 --> 00:26:44,480
Speaker 1: how can I how can I get the thing? So

577
00:26:44,520 --> 00:26:46,520
Speaker 1: I always think this, how can I get the thing

578
00:26:46,600 --> 00:26:49,720
Speaker 1: without the monthly payment? You know? Does that mean waiting?

579
00:26:50,240 --> 00:26:52,359
Speaker 1: Does that mean saving? I mean the car that I

580
00:26:52,400 --> 00:26:54,880
Speaker 1: have now, you know, like it's much nicer. But every

581
00:26:54,880 --> 00:26:56,840
Speaker 1: car I've ever I've never had a car. Note first

582
00:26:56,880 --> 00:26:59,120
Speaker 1: car I think I bought for like under five thousand dollars.

583
00:27:00,080 --> 00:27:03,520
Speaker 1: Moved home right after college. I saved, save, save, and

584
00:27:03,560 --> 00:27:05,800
Speaker 1: I bought that car from like a used car lot

585
00:27:06,440 --> 00:27:08,800
Speaker 1: or the auction and it was a you know, good condition.

586
00:27:08,840 --> 00:27:10,359
Speaker 1: It was maybe like three or four years old. It

587
00:27:10,520 --> 00:27:15,320
Speaker 1: was a ninety nine Nissan Ultima, and I rolled that car.

588
00:27:15,520 --> 00:27:18,119
Speaker 1: It had two hundred and sixteen thousand miles on it,

589
00:27:19,080 --> 00:27:21,680
Speaker 1: damn and then and it was still going strong because

590
00:27:21,680 --> 00:27:24,760
Speaker 1: you know, also last forever. And then someone actually I

591
00:27:24,800 --> 00:27:26,720
Speaker 1: had that car parked outside of my parents' house, and

592
00:27:26,720 --> 00:27:30,720
Speaker 1: someone crashed into it and destroyed it. And then the

593
00:27:31,160 --> 00:27:34,000
Speaker 1: insurance company, Shocker, which I was actually shocked, that gave

594
00:27:34,000 --> 00:27:36,719
Speaker 1: me four thousand dollars for it because it was And

595
00:27:36,760 --> 00:27:38,360
Speaker 1: so with that four thousand, you know what I did,

596
00:27:38,480 --> 00:27:41,040
Speaker 1: I went back to the I went to my mechanic

597
00:27:41,440 --> 00:27:43,439
Speaker 1: had a used car. He had at the time a

598
00:27:43,520 --> 00:27:45,960
Speaker 1: ninety nine camera, which by then there was like a

599
00:27:45,960 --> 00:27:48,399
Speaker 1: ten year old car, and so cause it was like

600
00:27:48,440 --> 00:27:50,639
Speaker 1: two thousand and nine by then, so I bought the

601
00:27:50,720 --> 00:27:54,359
Speaker 1: Camri and I rolled that camera up until two years ago,

602
00:27:54,840 --> 00:27:57,399
Speaker 1: and that camera had almost two hundred thousand miles on it.

603
00:27:57,800 --> 00:27:59,879
Speaker 1: And then I had saved enough because I knew the

604
00:27:59,920 --> 00:28:01,959
Speaker 1: CA memory was like the camera didn't last as long

605
00:28:02,000 --> 00:28:03,920
Speaker 1: as the Ultimo, and I knew it was like on

606
00:28:03,920 --> 00:28:06,200
Speaker 1: this last leg. So I had been saving, saving savings,

607
00:28:06,200 --> 00:28:09,399
Speaker 1: and now now I've got a I don't know like

608
00:28:09,440 --> 00:28:14,439
Speaker 1: a twenty seventeen a Lincoln MKZ, And so when I

609
00:28:14,480 --> 00:28:16,280
Speaker 1: bought the Lincoln, it was like a year and a

610
00:28:16,359 --> 00:28:19,760
Speaker 1: half old to two years old, so that was significantly more.

611
00:28:19,800 --> 00:28:21,760
Speaker 1: The first car was five thousand, and second cars four.

612
00:28:22,119 --> 00:28:24,480
Speaker 1: The Lincoln. I think they wanted like twenty six or

613
00:28:24,480 --> 00:28:26,680
Speaker 1: twenty seven thousand, but I had cash, so I paid

614
00:28:26,680 --> 00:28:29,160
Speaker 1: twenty two thousand. But it was, like you said, Mandy,

615
00:28:29,200 --> 00:28:32,000
Speaker 1: to your point, it was certified pre owned. And thank god,

616
00:28:32,080 --> 00:28:36,560
Speaker 1: because there were some issues with the Lincoln that like

617
00:28:36,600 --> 00:28:39,239
Speaker 1: you know, I guess came before I knew and so,

618
00:28:39,360 --> 00:28:41,640
Speaker 1: but and I've gotten that car fixed a couple of times.

619
00:28:41,680 --> 00:28:43,600
Speaker 1: They finally they actually had to like almost like rebuild

620
00:28:43,600 --> 00:28:45,960
Speaker 1: my engine because something happened to it. And I was like,

621
00:28:46,080 --> 00:28:47,760
Speaker 1: that's not my problem. I bought a certified pri O

622
00:28:47,760 --> 00:28:49,880
Speaker 1: onn y'all should have checked it. So they basically gave

623
00:28:49,880 --> 00:28:51,800
Speaker 1: me a brand new engine and it cost me nothing

624
00:28:52,080 --> 00:28:55,160
Speaker 1: because it was certified pre owned. And so, like you know,

625
00:28:55,200 --> 00:28:57,200
Speaker 1: for the first time and like a long time, I

626
00:28:57,240 --> 00:28:59,040
Speaker 1: have like a decent looking car, because the other cars

627
00:28:59,040 --> 00:29:01,040
Speaker 1: were not cute. But I have a decent look at car.

628
00:29:01,280 --> 00:29:03,880
Speaker 1: But I also don't have a car note in the

629
00:29:03,920 --> 00:29:05,600
Speaker 1: same way we bought our houses. I know everyone can't

630
00:29:05,600 --> 00:29:08,880
Speaker 1: buy a house in a car in cash, but you know,

631
00:29:09,920 --> 00:29:12,480
Speaker 1: one of the things I think about when it comes

632
00:29:12,480 --> 00:29:15,680
Speaker 1: to money is is this going to add an additional

633
00:29:16,080 --> 00:29:19,240
Speaker 1: payment to my life? And can it be avoided? Can

634
00:29:19,240 --> 00:29:22,200
Speaker 1: it be avoided through patients? Can it be avoided through savings?

635
00:29:22,520 --> 00:29:25,840
Speaker 1: Can it be avoided through strategic like, you know, strategically

636
00:29:25,960 --> 00:29:28,080
Speaker 1: managing my money? And sometimes it can't be Like I

637
00:29:28,120 --> 00:29:30,880
Speaker 1: went to school and I had my my you know,

638
00:29:30,920 --> 00:29:33,080
Speaker 1: suit of loans, I couldn't avoid it. But there are

639
00:29:33,160 --> 00:29:35,600
Speaker 1: areas in your life that you can avoid adding another

640
00:29:35,600 --> 00:29:37,520
Speaker 1: payment to your list because it eats away at your

641
00:29:37,560 --> 00:29:40,440
Speaker 1: day to day And like, I don't know, I don't

642
00:29:40,520 --> 00:29:43,920
Speaker 1: you know, like I'm despite like Superman and I being

643
00:29:43,920 --> 00:29:45,440
Speaker 1: like grown I think I want to say Mandy that

644
00:29:45,480 --> 00:29:49,440
Speaker 1: our collective bills for every this doesn't include like what

645
00:29:49,440 --> 00:29:51,600
Speaker 1: we do to help family members. Last time I checked people,

646
00:29:51,600 --> 00:29:53,479
Speaker 1: it's like twenty five hundred dollars is how much our

647
00:29:53,480 --> 00:29:56,320
Speaker 1: life costs us with groceries, with bills, with everything for

648
00:29:57,400 --> 00:30:01,080
Speaker 1: two adults in a Supergirl twenty five hundred dollars And

649
00:30:01,160 --> 00:30:03,840
Speaker 1: that's it. Because I'm mindful of like collecting bills and

650
00:30:03,880 --> 00:30:07,800
Speaker 1: so I encourage that of you. Yes, as the budget's

651
00:30:07,840 --> 00:30:09,200
Speaker 1: got make way more money, But I was doing that

652
00:30:09,200 --> 00:30:11,160
Speaker 1: when I was a preschool teacher making next to nothing.

653
00:30:11,600 --> 00:30:15,040
Speaker 1: So it's possible at different levels of life. But you

654
00:30:15,040 --> 00:30:16,560
Speaker 1: have to be mindful and you have to be willing

655
00:30:17,040 --> 00:30:20,720
Speaker 1: not to have you know, what everyone else seems to

656
00:30:20,800 --> 00:30:25,040
Speaker 1: have upfront and being okay with that. Like I had

657
00:30:25,040 --> 00:30:27,000
Speaker 1: to learn not to put so much stock in like

658
00:30:28,000 --> 00:30:30,000
Speaker 1: not to put so much stock and stuff, you know.

659
00:30:30,760 --> 00:30:33,720
Speaker 2: Yeah, I mean my husband comes from like a Dominican family,

660
00:30:33,760 --> 00:30:36,280
Speaker 2: and the car, the car culture is it's a status symbol.

661
00:30:36,360 --> 00:30:39,000
Speaker 2: When we got our little pre owned certified pre owned

662
00:30:39,280 --> 00:30:41,880
Speaker 2: you know, mas to c X five a few years ago,

663
00:30:41,920 --> 00:30:43,640
Speaker 2: a couple of years ago, his mother wanted him to

664
00:30:43,680 --> 00:30:46,320
Speaker 2: like take her to Bingo, drive her around the neighborhood

665
00:30:46,400 --> 00:30:48,280
Speaker 2: so she can so they can see how, you know,

666
00:30:48,600 --> 00:30:51,800
Speaker 2: how successful her son is in the car. And uh,

667
00:30:51,920 --> 00:30:54,040
Speaker 2: you know, that's just like a toxic it's a it's

668
00:30:54,120 --> 00:30:57,640
Speaker 2: that pressure to get what you can't afford, you know,

669
00:30:57,720 --> 00:31:00,920
Speaker 2: But come on, we're all grown ups or anyway, and

670
00:31:00,960 --> 00:31:03,200
Speaker 2: you should be able to resist the temptation and just

671
00:31:03,200 --> 00:31:05,040
Speaker 2: think about don't think about what you can't have, think

672
00:31:05,040 --> 00:31:08,200
Speaker 2: about what you can can do, can save if you

673
00:31:08,280 --> 00:31:11,600
Speaker 2: were you know, less, I don't know, just more willing

674
00:31:11,680 --> 00:31:15,280
Speaker 2: to buy a car that's not as expensive, or maybe

675
00:31:15,280 --> 00:31:16,920
Speaker 2: even a car that you can pay you know, fifty

676
00:31:16,960 --> 00:31:19,480
Speaker 2: percent down and then have a lower car. Note, people

677
00:31:19,560 --> 00:31:22,360
Speaker 2: need cars, like I'm not I'm not an idiot. You know,

678
00:31:22,560 --> 00:31:24,480
Speaker 2: my mom raised four kids. She needed a car to

679
00:31:24,480 --> 00:31:27,120
Speaker 2: get around, but she drove that beat up Windstar BENI

680
00:31:27,200 --> 00:31:31,960
Speaker 2: Van for like a long ass time, you know. And

681
00:31:32,240 --> 00:31:35,600
Speaker 2: I understand that people need cars, but you don't need

682
00:31:35,680 --> 00:31:38,840
Speaker 2: to take out thirty thousand dollars worth of debt to

683
00:31:38,920 --> 00:31:41,520
Speaker 2: get one. And let's switch for a second, because people

684
00:31:41,560 --> 00:31:44,600
Speaker 2: are borrowing money for cars at an increasing rate, but

685
00:31:44,600 --> 00:31:48,920
Speaker 2: they're also getting financing from the dealer at an alarming

686
00:31:49,000 --> 00:31:51,640
Speaker 2: rate too, which is like, ah, I wish I could

687
00:31:51,720 --> 00:31:53,960
Speaker 2: just stand outside of every car dealership and just say

688
00:31:54,000 --> 00:31:56,600
Speaker 2: no or just like come here, don't come until you

689
00:31:56,680 --> 00:31:58,600
Speaker 2: got your own financing. But here are some numbers. So

690
00:31:58,680 --> 00:32:02,320
Speaker 2: for new cars, nearly or over fifty percent of people

691
00:32:02,320 --> 00:32:05,560
Speaker 2: buying new cars or getting their financing at the dealership,

692
00:32:05,680 --> 00:32:08,560
Speaker 2: and this is the new car financing again, is that's

693
00:32:08,640 --> 00:32:11,000
Speaker 2: thirty one thousand dollars for a new car you're financing

694
00:32:11,000 --> 00:32:16,080
Speaker 2: at the dealer. For used cars, most people are actually

695
00:32:16,160 --> 00:32:18,880
Speaker 2: getting their financing from a bank, which is good. I

696
00:32:18,920 --> 00:32:21,000
Speaker 2: wonder if that's because people who buy used cars are

697
00:32:21,040 --> 00:32:23,720
Speaker 2: already thinking of how to save money and are more

698
00:32:23,840 --> 00:32:27,920
Speaker 2: likely to go to the bank to do so. Yeah,

699
00:32:28,360 --> 00:32:30,280
Speaker 2: So let's talk about like what happens when you go

700
00:32:30,320 --> 00:32:33,520
Speaker 2: to the dealership. If you have not already shopped around

701
00:32:33,560 --> 00:32:37,680
Speaker 2: and gotten financing offers from whatever bank you have your

702
00:32:37,680 --> 00:32:41,520
Speaker 2: local credit union near you, and you're walking into that dealership,

703
00:32:41,600 --> 00:32:43,360
Speaker 2: it's going to be difficult for you to walk out

704
00:32:43,640 --> 00:32:45,720
Speaker 2: without getting the financing because you're going to fall in

705
00:32:45,760 --> 00:32:48,200
Speaker 2: love with that car. They're going to try and sell

706
00:32:48,240 --> 00:32:50,360
Speaker 2: you on all these you know, bells and whistles. Maybe

707
00:32:50,400 --> 00:32:52,520
Speaker 2: they'll say no down payment. Maybe they'll say, oh, we'll

708
00:32:52,560 --> 00:32:56,480
Speaker 2: throw in extended warranty or whatever or maintenance for a year,

709
00:32:56,760 --> 00:32:59,640
Speaker 2: and then they're going to get you a dealership or sorry,

710
00:32:59,640 --> 00:33:02,400
Speaker 2: I find deal with one of their lender partners. It's

711
00:33:02,400 --> 00:33:04,240
Speaker 2: almost always going to be worse than what you could

712
00:33:04,240 --> 00:33:06,960
Speaker 2: have gotten through a credit union or even just any

713
00:33:07,000 --> 00:33:11,080
Speaker 2: bank outside of the dealership, So before you go, before

714
00:33:11,120 --> 00:33:14,560
Speaker 2: you go shop and compare financing deals, I will shout

715
00:33:14,560 --> 00:33:16,840
Speaker 2: out lending Tree where you can shop and compare auto loans.

716
00:33:16,880 --> 00:33:18,800
Speaker 2: Also you can do it at Magnify Money, or you

717
00:33:18,840 --> 00:33:21,120
Speaker 2: can just do it your darn self by like going online.

718
00:33:21,240 --> 00:33:23,920
Speaker 2: My husband and I just did went to lightstream dot com,

719
00:33:23,920 --> 00:33:27,400
Speaker 2: which is a great you know, online only lender that

720
00:33:27,440 --> 00:33:30,719
Speaker 2: offers good rates if you got good credit. We went

721
00:33:30,760 --> 00:33:33,080
Speaker 2: in with that light Stream financing offer. I also went

722
00:33:33,080 --> 00:33:35,920
Speaker 2: to a credit Union USAA got a financing offer from

723
00:33:35,960 --> 00:33:39,000
Speaker 2: then to compared them, light Streams was better, and we

724
00:33:39,040 --> 00:33:42,040
Speaker 2: took our pretty butts down to the used car lot.

725
00:33:42,400 --> 00:33:45,600
Speaker 2: And this is the thing, like, when the dealer saw

726
00:33:45,640 --> 00:33:48,720
Speaker 2: that we had our own financing, they spent like maybe

727
00:33:48,720 --> 00:33:51,440
Speaker 2: twenty minutes in the office trying to get their lender,

728
00:33:51,440 --> 00:33:54,160
Speaker 2: who happened I think to be capital one to match

729
00:33:54,320 --> 00:33:56,720
Speaker 2: our rate. I think it was something crazy low. This

730
00:33:56,840 --> 00:33:58,280
Speaker 2: was a few years ago when rates were a little

731
00:33:58,280 --> 00:34:00,800
Speaker 2: bit lower. I think it was like three percent or

732
00:34:00,800 --> 00:34:04,360
Speaker 2: something around there, and they managed to get it like

733
00:34:04,400 --> 00:34:07,160
Speaker 2: a teeny tiny bit less than what our lender had.

734
00:34:08,160 --> 00:34:09,400
Speaker 2: But I don't think they would have done that. They

735
00:34:09,440 --> 00:34:11,880
Speaker 2: definitely wouldn't have had an incentive to How do we

736
00:34:11,960 --> 00:34:16,080
Speaker 2: not shown up with our financing? So bring your own financing,

737
00:34:16,160 --> 00:34:17,600
Speaker 2: even if you can't pay it off.

738
00:34:18,040 --> 00:34:21,080
Speaker 1: You know, Yes, I'm telling you like credit unions are

739
00:34:21,120 --> 00:34:21,800
Speaker 1: bay too.

740
00:34:22,560 --> 00:34:24,919
Speaker 2: Oh more than they like. I was a little sad

741
00:34:24,960 --> 00:34:28,760
Speaker 2: to see. So we're talking about new cars. Only where

742
00:34:28,840 --> 00:34:32,080
Speaker 2: is this only fourteen percent of people are going to

743
00:34:32,120 --> 00:34:36,160
Speaker 2: credit unions? Why love your credit union. They're there for

744
00:34:36,280 --> 00:34:40,239
Speaker 2: you, you know, they're there for used cars. It was a

745
00:34:40,280 --> 00:34:44,560
Speaker 2: little bit higher again, about fifteen percent, or sorry, even higher,

746
00:34:44,640 --> 00:34:47,279
Speaker 2: about thirty percent of people buying used cars or going

747
00:34:47,280 --> 00:34:49,680
Speaker 2: to their credit union. So people buying used cars clearly

748
00:34:49,760 --> 00:34:52,440
Speaker 2: have done their research, are buying used cars because they

749
00:34:52,520 --> 00:34:54,840
Speaker 2: probably know it's not worth it to buy new, and

750
00:34:54,920 --> 00:34:58,560
Speaker 2: also to bring their own financing to the table. Only

751
00:34:58,840 --> 00:35:01,920
Speaker 2: what is this? Only about nine percent of people are

752
00:35:01,960 --> 00:35:05,239
Speaker 2: getting dealer financing when they're buying used cars. So snaps for.

753
00:35:05,239 --> 00:35:09,160
Speaker 1: Y'all, Yes, come prepare, do your research. I remember, honestly

754
00:35:09,480 --> 00:35:12,240
Speaker 1: so my sister Tracy, she was needing a car because

755
00:35:12,480 --> 00:35:14,880
Speaker 1: her job was far from where she lived, and she's like,

756
00:35:14,920 --> 00:35:18,160
Speaker 1: I really can't get like a putt putt. And I

757
00:35:18,200 --> 00:35:20,719
Speaker 1: remember telling her like okay, and I think, you know,

758
00:35:20,760 --> 00:35:23,040
Speaker 1: I did convince her to get something that was just

759
00:35:23,040 --> 00:35:25,560
Speaker 1: like a year a year or so old, not so

760
00:35:25,680 --> 00:35:28,480
Speaker 1: not brand new, but definitely not you know, not old.

761
00:35:29,280 --> 00:35:31,160
Speaker 1: And then I remember telling her because she was like,

762
00:35:31,200 --> 00:35:33,000
Speaker 1: I told her, bringing your own financing and I send

763
00:35:33,080 --> 00:35:37,359
Speaker 1: her to you know, lending Tree, and she was like

764
00:35:37,400 --> 00:35:40,200
Speaker 1: it was just such a great tool to find different

765
00:35:40,880 --> 00:35:43,719
Speaker 1: places where she could qualify based upon her credit score.

766
00:35:43,719 --> 00:35:45,919
Speaker 1: I had given her a bunch of questions ask based

767
00:35:46,000 --> 00:35:49,200
Speaker 1: upon her credit score to really find the best lender

768
00:35:49,239 --> 00:35:51,319
Speaker 1: for her, and she felt really confident going in like Okay,

769
00:35:51,360 --> 00:35:53,640
Speaker 1: this is the best rate that I'm gonna get. I

770
00:35:53,719 --> 00:35:56,440
Speaker 1: know exactly how much I'm gonna borrow, and it just

771
00:35:56,480 --> 00:35:59,080
Speaker 1: made her feel more confident. I mean, it wasn't ideal.

772
00:35:59,160 --> 00:36:00,960
Speaker 1: She would have loved to you know, buy a car

773
00:36:01,000 --> 00:36:02,920
Speaker 1: and cash, which she was like, I can't get a

774
00:36:02,920 --> 00:36:05,400
Speaker 1: five six year old car. I'm driving too many miles

775
00:36:05,400 --> 00:36:07,920
Speaker 1: a day. The car needs to be in like really

776
00:36:07,960 --> 00:36:11,000
Speaker 1: tip top, great condition. And so I was proud of her.

777
00:36:11,760 --> 00:36:13,520
Speaker 2: Yeah, I think with our car we got, I think

778
00:36:13,520 --> 00:36:16,160
Speaker 2: our car was like eighteen thousand dollars and we paid

779
00:36:16,200 --> 00:36:18,759
Speaker 2: half down and then the next year. We aggressively paid

780
00:36:18,760 --> 00:36:21,799
Speaker 2: it off until it was gone. And you know, if

781
00:36:21,840 --> 00:36:25,719
Speaker 2: I had used the our with our rate being so low,

782
00:36:26,160 --> 00:36:28,160
Speaker 2: we could have waited longer. Because you know, if you

783
00:36:28,239 --> 00:36:31,239
Speaker 2: have higher interest debt compared to your auto loan, it

784
00:36:31,239 --> 00:36:34,600
Speaker 2: may make sense, does It does make sense to focus

785
00:36:34,680 --> 00:36:36,840
Speaker 2: on aggressively paying down that debt first. So if you

786
00:36:36,920 --> 00:36:38,840
Speaker 2: got your auto loan and you've got credit cards that

787
00:36:38,880 --> 00:36:42,520
Speaker 2: are like fifteen percent but your auto loan is six percent, yeah,

788
00:36:42,520 --> 00:36:44,080
Speaker 2: it makes sense to throw what you can at your

789
00:36:44,120 --> 00:36:46,839
Speaker 2: credit card debt first. But don't sleep on the auto

790
00:36:46,840 --> 00:36:47,439
Speaker 2: alone either.

791
00:36:48,320 --> 00:36:51,359
Speaker 1: That's a think and.

792
00:36:50,320 --> 00:36:51,920
Speaker 2: It will creep up on you. And there's things you

793
00:36:51,960 --> 00:36:53,759
Speaker 2: can do. So let's say, you know, when you got

794
00:36:53,800 --> 00:36:55,600
Speaker 2: your auto loan a few years ago, your credit score

795
00:36:55,640 --> 00:36:57,719
Speaker 2: was not so great, and now it's improved. You can

796
00:36:57,719 --> 00:37:01,360
Speaker 2: look at refinancing, applying for a new loan, using it

797
00:37:01,360 --> 00:37:03,040
Speaker 2: to pay off your own loan, but at a better rate.

798
00:37:03,920 --> 00:37:06,319
Speaker 2: You can even refinance it to a shorter term if

799
00:37:06,360 --> 00:37:08,960
Speaker 2: you can afford the higher payments, and that way you're

800
00:37:09,000 --> 00:37:10,719
Speaker 2: not paying so much over the life of the loan,

801
00:37:11,320 --> 00:37:12,960
Speaker 2: or just you know, make it one of your challenges

802
00:37:13,000 --> 00:37:15,120
Speaker 2: to aggressively pay off your auto loan debt in twenty

803
00:37:15,200 --> 00:37:18,480
Speaker 2: nineteen or in the next couple of years. If you

804
00:37:18,560 --> 00:37:20,719
Speaker 2: have friends who are just drowning an auto loan debt,

805
00:37:20,760 --> 00:37:23,000
Speaker 2: you know, talk to them too and see if there's

806
00:37:23,000 --> 00:37:26,279
Speaker 2: anything they can do, maybe refinance or trade it in.

807
00:37:27,120 --> 00:37:29,120
Speaker 2: Be careful about trading in. Sometimes it's you don't usually

808
00:37:29,160 --> 00:37:31,000
Speaker 2: get the best value for the car that you're trading in.

809
00:37:31,040 --> 00:37:33,279
Speaker 1: But yeah, if you.

810
00:37:33,239 --> 00:37:36,080
Speaker 2: Are, especially if you're underwater on your auto loans, sometimes

811
00:37:36,120 --> 00:37:38,480
Speaker 2: you just have to bite the bullet go. Superman did

812
00:37:38,800 --> 00:37:40,920
Speaker 2: pay the difference. That's very smart what he did, like

813
00:37:40,960 --> 00:37:43,440
Speaker 2: taking out the it's like he was dating the budgetiese

814
00:37:43,480 --> 00:37:44,000
Speaker 2: there or something.

815
00:37:45,480 --> 00:37:49,919
Speaker 1: He was under extreme durnt taking out that personal loan. Yeah,

816
00:37:49,960 --> 00:37:51,560
Speaker 1: I mean it wasn't he wasn't happy about it, but

817
00:37:51,640 --> 00:37:53,839
Speaker 1: now he totally gets it. It's hard when.

818
00:37:53,719 --> 00:37:56,000
Speaker 2: He's sitting in that man KF you'll be happy what

819
00:37:56,400 --> 00:37:56,600
Speaker 2: it was.

820
00:37:56,719 --> 00:37:59,560
Speaker 1: I'm telling you, honestly, it wasn't until like I would

821
00:37:59,600 --> 00:38:01,160
Speaker 1: always be frad when I went away on a business

822
00:38:01,200 --> 00:38:02,479
Speaker 1: trip that I was going to come back to another

823
00:38:02,520 --> 00:38:06,200
Speaker 1: truck in the driveway. And it wasn't until that, like

824
00:38:06,280 --> 00:38:09,480
Speaker 1: we really started looking for a house that he finally

825
00:38:09,560 --> 00:38:12,560
Speaker 1: made the connection of us being able to afford a

826
00:38:12,600 --> 00:38:15,839
Speaker 1: house that want and how not having this car note

827
00:38:15,880 --> 00:38:18,640
Speaker 1: made that possible. Then he stopped because literally, I mean

828
00:38:18,680 --> 00:38:21,319
Speaker 1: I would like, you know how like you know, you

829
00:38:21,360 --> 00:38:24,759
Speaker 1: might look at your man's like phone and you're like, oh,

830
00:38:24,800 --> 00:38:27,280
Speaker 1: you already know, like the search history might be porn.

831
00:38:27,920 --> 00:38:32,040
Speaker 1: His search history was truck's, truck's, trucks, truckt truck. I mean,

832
00:38:32,239 --> 00:38:34,920
Speaker 1: it was crazy. I'm like, you're obsessed. He's like, no,

833
00:38:35,040 --> 00:38:36,759
Speaker 1: I just I just feel like I just and I

834
00:38:36,760 --> 00:38:38,799
Speaker 1: would literally be like, he's gonna he's gonna buy a truck.

835
00:38:39,080 --> 00:38:41,239
Speaker 1: I can't do anything about it. He's gonna randomly buy

836
00:38:41,239 --> 00:38:43,279
Speaker 1: a truck and put its back, you know, in the

837
00:38:43,400 --> 00:38:46,400
Speaker 1: dark ages where we were just left from. And like

838
00:38:46,440 --> 00:38:48,720
Speaker 1: I said, it wasn't until he started going house shopping

839
00:38:49,000 --> 00:38:53,080
Speaker 1: that he was like, ah, got it because at the

840
00:38:53,120 --> 00:38:55,440
Speaker 1: time we thought we're gonna get a mortgage. And you know,

841
00:38:55,520 --> 00:38:57,200
Speaker 1: if he would have had a car note, we would

842
00:38:57,200 --> 00:38:59,160
Speaker 1: have been approved for way less and it just it

843
00:38:59,280 --> 00:39:03,440
Speaker 1: opened up his to like, got it. It's not deprivation

844
00:39:03,560 --> 00:39:06,360
Speaker 1: of you're not getting a truck, it's you open yourself

845
00:39:06,440 --> 00:39:08,400
Speaker 1: up to opportunities to be able to get things that

846
00:39:08,440 --> 00:39:11,120
Speaker 1: you that mean even more to you than that car.

847
00:39:11,440 --> 00:39:14,200
Speaker 1: And so now actually just like now, I was like, okay, babe,

848
00:39:14,239 --> 00:39:17,239
Speaker 1: you know, we bought two properties. You know, everybody in

849
00:39:17,280 --> 00:39:19,239
Speaker 1: our family is good, like you know, you should, you know,

850
00:39:19,360 --> 00:39:21,839
Speaker 1: go ahead and get whatever you know, truck or car

851
00:39:21,880 --> 00:39:23,759
Speaker 1: you want. And you know, we like went through our

852
00:39:23,760 --> 00:39:27,560
Speaker 1: budget and like how much the payment should be. And honestly,

853
00:39:27,640 --> 00:39:30,160
Speaker 1: it's like pulling teeth. He's like, nah's let's get one

854
00:39:30,200 --> 00:39:32,600
Speaker 1: more place. Let's get one more And I'm like, cause,

855
00:39:32,640 --> 00:39:34,879
Speaker 1: I mean he he my my husband is driving because

856
00:39:34,880 --> 00:39:38,520
Speaker 1: I was going to give away my my my camera,

857
00:39:39,200 --> 00:39:41,799
Speaker 1: you know that that four thousand dollars camera that I bought. No,

858
00:39:42,040 --> 00:39:44,239
Speaker 1: he like he likes fixing things up, and so he

859
00:39:44,320 --> 00:39:46,239
Speaker 1: fixed it up and that's what he's driving. I'm like, babe,

860
00:39:46,280 --> 00:39:48,040
Speaker 1: you can, you can, you know, go ahead, we have

861
00:39:48,400 --> 00:39:50,480
Speaker 1: you know, we're okay. Now we've we've reached our goals.

862
00:39:50,520 --> 00:39:53,240
Speaker 1: You don't have to drive this car. And he's like, honestly,

863
00:39:53,360 --> 00:39:56,680
Speaker 1: I really want for us to get a small apartment building,

864
00:39:56,920 --> 00:39:58,640
Speaker 1: like anywhere from four to eight units. I want to

865
00:39:58,640 --> 00:40:00,759
Speaker 1: focus on that. And I'm like, ah, who are you?

866
00:40:01,640 --> 00:40:04,080
Speaker 1: Because that was not the man that I met who

867
00:40:04,120 --> 00:40:06,880
Speaker 1: was going to get a truck every other week. And

868
00:40:06,960 --> 00:40:09,279
Speaker 1: so I love that that, you know that, you know,

869
00:40:09,360 --> 00:40:12,840
Speaker 1: it's it's when you focus on goals about what you

870
00:40:12,880 --> 00:40:14,800
Speaker 1: want to achieve versus just like kind of like the

871
00:40:14,840 --> 00:40:18,000
Speaker 1: stuff that you want to have, the conversation shifts, you know.

872
00:40:18,520 --> 00:40:22,200
Speaker 2: Yep, Well that's it for your auto loan lecture from me.

873
00:40:23,200 --> 00:40:26,480
Speaker 2: Hopefully that wasn't too too painful. Well, I you know,

874
00:40:26,520 --> 00:40:28,440
Speaker 2: I think it's something worth talking about. Maybe it's not

875
00:40:28,480 --> 00:40:30,359
Speaker 2: gonna it's not going to crush the economy the same

876
00:40:30,400 --> 00:40:32,680
Speaker 2: way the housing crisis did, but I think it's slowly

877
00:40:33,239 --> 00:40:35,920
Speaker 2: it's just slowly chipping away at people's potential, you know,

878
00:40:35,960 --> 00:40:38,240
Speaker 2: for what they can accomplish and save and put away.

879
00:40:38,680 --> 00:40:40,680
Speaker 2: And when you save, you are free. You know, you're

880
00:40:40,719 --> 00:40:42,960
Speaker 2: free to make decisions. You're free to make better choices

881
00:40:43,000 --> 00:40:45,120
Speaker 2: for yourself because you don't have that. You don't have

882
00:40:45,160 --> 00:40:47,000
Speaker 2: to turn to debt and you don't have to, you know,

883
00:40:47,160 --> 00:40:49,359
Speaker 2: stay the job you hate if you have savings saved up.

884
00:40:49,440 --> 00:40:52,319
Speaker 2: So take a look at your car stavement. I'll put

885
00:40:52,320 --> 00:40:54,840
Speaker 2: a link to a calculator. Everyone can use to to

886
00:40:54,920 --> 00:40:57,560
Speaker 2: kind of calculate how much they're paying on their auto loan.

887
00:40:57,600 --> 00:41:00,160
Speaker 2: And you know, feel free to sendence your question if

888
00:41:00,160 --> 00:41:02,040
Speaker 2: you have questions about anything we talked about on the show.

889
00:41:02,600 --> 00:41:05,240
Speaker 2: Maybe we should talk about credit card debt later or next,

890
00:41:05,280 --> 00:41:07,640
Speaker 2: because let me tell you, credit card debt is also

891
00:41:07,680 --> 00:41:10,080
Speaker 2: on the rise in a major way. In a major,

892
00:41:10,120 --> 00:41:13,480
Speaker 2: major way. People are feeling very confident in themselves in

893
00:41:13,520 --> 00:41:14,280
Speaker 2: twenty nineteen.

894
00:41:15,440 --> 00:41:18,880
Speaker 1: Cool. So, now that we flooded you with all of

895
00:41:18,920 --> 00:41:23,920
Speaker 1: our dope car car note chat, let's take some of

896
00:41:23,960 --> 00:41:26,440
Speaker 1: your questions. Let's maybe just a couple, because I know

897
00:41:26,480 --> 00:41:28,160
Speaker 1: we did a lot of financial like.

898
00:41:30,200 --> 00:41:35,359
Speaker 2: Coaching. Yes we won't say nagging or lecturing a couple

899
00:41:35,440 --> 00:41:37,120
Speaker 2: of Oh we have some, we have some, you know,

900
00:41:37,200 --> 00:41:39,160
Speaker 2: good little questions. So again, you guys can send us

901
00:41:39,160 --> 00:41:43,560
Speaker 2: your questions. Hit us up at Brownhambition podcast dot com okay,

902
00:41:43,800 --> 00:41:45,880
Speaker 2: or go to them.

903
00:41:46,880 --> 00:41:49,200
Speaker 1: I'm sorry, my reflext is aren't where they used to.

904
00:41:49,200 --> 00:41:53,360
Speaker 2: Be, Okay, and hit ask us anything or shoot us

905
00:41:53,400 --> 00:41:56,680
Speaker 2: an email directly at broad Ambition Podcasts at gmail dot.

906
00:41:56,480 --> 00:41:58,480
Speaker 1: Com dot com.

907
00:41:58,520 --> 00:42:00,920
Speaker 2: Here are a couple of questions. So here's an easy

908
00:42:00,920 --> 00:42:03,279
Speaker 2: one from listener Marlee. She wants to know. How do

909
00:42:03,320 --> 00:42:06,200
Speaker 2: you transfer money from one bank like Bank of America

910
00:42:06,239 --> 00:42:10,400
Speaker 2: to an online bank account without paying a fee? O?

911
00:42:10,960 --> 00:42:16,799
Speaker 1: Good one. Mark's for Marlee dope name lucky, So I know,

912
00:42:16,960 --> 00:42:18,719
Speaker 1: so I have, Well, I'm not going to tell you

913
00:42:18,719 --> 00:42:20,319
Speaker 1: the bank that I have, the brick and mortar bank.

914
00:42:20,360 --> 00:42:23,319
Speaker 1: They're the worst. Sorry, So I'll have a bank, let's

915
00:42:23,320 --> 00:42:29,640
Speaker 1: call it Mark. But the Mark Bank. Mark Bank charges

916
00:42:29,960 --> 00:42:32,520
Speaker 1: to transfer out right, because you know, Mark Bank is

917
00:42:32,560 --> 00:42:35,240
Speaker 1: the worst, that's what the worst does. But I also

918
00:42:35,280 --> 00:42:38,640
Speaker 1: have Ally, who I love. Hey. Alli. Ally does not

919
00:42:38,840 --> 00:42:42,400
Speaker 1: charge to retrieve or send money. So instead, what you

920
00:42:42,440 --> 00:42:44,400
Speaker 1: could just do is go to the bank that doesn't charge,

921
00:42:44,440 --> 00:42:47,480
Speaker 1: like typically the online only bank doesn't charge. But you

922
00:42:47,520 --> 00:42:50,680
Speaker 1: definitely want to check. So whenever I'm trying to transfer money,

923
00:42:50,719 --> 00:42:52,960
Speaker 1: I actually go to Ally does the transfering for me.

924
00:42:53,280 --> 00:42:56,080
Speaker 1: So Ally will will go to Mark Bank and take money,

925
00:42:56,320 --> 00:42:58,640
Speaker 1: or Ally will transfer money into Mark Bank, and then

926
00:42:58,680 --> 00:43:00,880
Speaker 1: Mark Bank doesn't have to have a say because the

927
00:43:00,920 --> 00:43:02,960
Speaker 1: Ally Bank doing the work and they don't charge for

928
00:43:03,000 --> 00:43:03,480
Speaker 1: that work.

929
00:43:04,200 --> 00:43:06,799
Speaker 2: Also, have you ever used zel I do?

930
00:43:07,160 --> 00:43:07,400
Speaker 1: I have?

931
00:43:07,680 --> 00:43:09,560
Speaker 2: My husband and I have done this. There's been times

932
00:43:09,560 --> 00:43:12,319
Speaker 2: where I needed to transfer money because we both have

933
00:43:13,160 --> 00:43:15,000
Speaker 2: we have some Chase credit cards that we each have

934
00:43:15,080 --> 00:43:17,520
Speaker 2: a Chase checking account too, not that you need one,

935
00:43:17,520 --> 00:43:19,719
Speaker 2: but we just happen to have one. And the way

936
00:43:19,719 --> 00:43:21,920
Speaker 2: that we transfer money is well. First of all, some

937
00:43:21,960 --> 00:43:26,080
Speaker 2: banks have but bank to bank transfers should be free

938
00:43:26,239 --> 00:43:28,279
Speaker 2: and pretty easy to do through the app. But then

939
00:43:28,360 --> 00:43:29,840
Speaker 2: a lot of these big banks all are in the

940
00:43:29,960 --> 00:43:33,920
Speaker 2: Zell network where which allows you to send money like

941
00:43:33,960 --> 00:43:36,200
Speaker 2: to So let's say Tiffany has Bank ABC and I

942
00:43:36,239 --> 00:43:38,319
Speaker 2: have Bank x Y Z if they're both using Zel,

943
00:43:38,400 --> 00:43:41,320
Speaker 2: I can instantly transfer money to Tiffany through Zel without

944
00:43:41,360 --> 00:43:44,759
Speaker 2: incourring any fees, and Zell is free. The only you know,

945
00:43:44,800 --> 00:43:47,480
Speaker 2: with any of these payment things or even you know

946
00:43:47,520 --> 00:43:51,240
Speaker 2: things like Chase Quick Pay, you just have to read

947
00:43:51,360 --> 00:43:55,000
Speaker 2: very carefully the protection and make sure that you're sending

948
00:43:55,000 --> 00:43:56,959
Speaker 2: the protection terms and make sure that you're sending money

949
00:43:56,960 --> 00:43:59,600
Speaker 2: to someone that you know, because some of these services

950
00:44:00,000 --> 00:44:02,719
Speaker 2: may not cover you in case of fraud if you've

951
00:44:02,760 --> 00:44:06,120
Speaker 2: initiated the transfer yourself. That's what we found in our research.

952
00:44:06,160 --> 00:44:08,279
Speaker 2: So if you're the one sending the money and you're like, oh, yeah,

953
00:44:08,280 --> 00:44:10,279
Speaker 2: I know this is Tiffany's email address, and I've got

954
00:44:10,280 --> 00:44:12,759
Speaker 2: it correct and you send it her a way and

955
00:44:12,800 --> 00:44:15,080
Speaker 2: it ends up not being her, ends up being a

956
00:44:15,120 --> 00:44:17,480
Speaker 2: scammer who you know gave you her email with one

957
00:44:17,560 --> 00:44:20,880
Speaker 2: letter different. Then you may be on the hook or

958
00:44:21,000 --> 00:44:25,480
Speaker 2: never get back those fun so just be careful. There's

959
00:44:25,520 --> 00:44:27,960
Speaker 2: all kinds of different apps theres I can send a

960
00:44:28,000 --> 00:44:31,000
Speaker 2: list of a roundup. There's things like pop Money that

961
00:44:31,080 --> 00:44:34,120
Speaker 2: was around I think it's still around today. There's a

962
00:44:34,120 --> 00:44:38,399
Speaker 2: circle Circle app. There's a zillion different ways. There's good

963
00:44:38,400 --> 00:44:41,000
Speaker 2: old Venmo. So if you're just trying to split the

964
00:44:41,000 --> 00:44:43,120
Speaker 2: bill with a friend and you want to transfer money

965
00:44:43,400 --> 00:44:46,000
Speaker 2: from your bank account to their pocket, you both have

966
00:44:46,040 --> 00:44:48,560
Speaker 2: a Venmo account and then you just send the money

967
00:44:48,560 --> 00:44:51,200
Speaker 2: through your account. It debits your checking account that's linked

968
00:44:52,160 --> 00:44:54,120
Speaker 2: and goes to their bank. And I use Venmo to

969
00:44:54,160 --> 00:44:58,120
Speaker 2: pay to even just give tips when I've gone to

970
00:44:58,360 --> 00:45:00,799
Speaker 2: the hair salon or something and they I don't have

971
00:45:00,880 --> 00:45:03,319
Speaker 2: cash on me, I'll like Venmo tema tip. So it

972
00:45:03,320 --> 00:45:05,560
Speaker 2: makes it super easy.

973
00:45:06,239 --> 00:45:09,160
Speaker 1: Look at that. See yeah, well I always different. Yeah,

974
00:45:09,239 --> 00:45:12,799
Speaker 1: all these different options, So Marley, you should be good

975
00:45:12,840 --> 00:45:14,280
Speaker 1: on good, good on good.

976
00:45:14,680 --> 00:45:19,120
Speaker 2: And here is a question from listener Kendall. Oh she's funny,

977
00:45:19,280 --> 00:45:22,200
Speaker 2: Kendall says, I've never posted a question for a podcast before.

978
00:45:22,400 --> 00:45:25,120
Speaker 2: I honestly can't help but think that I shouldn't send

979
00:45:25,120 --> 00:45:27,800
Speaker 2: you guys a question because you two are amazing brown,

980
00:45:27,800 --> 00:45:31,200
Speaker 2: ambitious women and im and I'm not. I am a

981
00:45:31,280 --> 00:45:34,279
Speaker 2: half Mexican, half Caucasian, twenty six year old, stay at

982
00:45:34,280 --> 00:45:36,640
Speaker 2: home mom. I was adopted by a white couple when

983
00:45:36,680 --> 00:45:39,360
Speaker 2: I was a baby, so I've mainly identified as Caucasian

984
00:45:39,440 --> 00:45:42,520
Speaker 2: my whole life. I get asked, what are you saying.

985
00:45:42,880 --> 00:45:45,520
Speaker 2: I've been told that I look exotic, which just makes

986
00:45:45,560 --> 00:45:48,760
Speaker 2: me feel gross, so I've always checked Caucasian for race.

987
00:45:49,640 --> 00:45:51,680
Speaker 2: I'm embarrassed by that because I feel like I should

988
00:45:51,680 --> 00:45:53,960
Speaker 2: be proud of who I am. My question is actually

989
00:45:53,960 --> 00:45:58,880
Speaker 2: about my finances. Oh, but let's address this first part. Yeah, honey,

990
00:45:58,880 --> 00:46:02,000
Speaker 2: you don't have to like you're not brown enough, because

991
00:46:02,640 --> 00:46:05,719
Speaker 2: you know, society has made it easier for you to

992
00:46:05,719 --> 00:46:09,160
Speaker 2: move through circles by just, you know, checking that Caucasian box.

993
00:46:09,200 --> 00:46:12,840
Speaker 2: But I feel you on that one hundred percent. I

994
00:46:12,840 --> 00:46:14,920
Speaker 2: think you're only twenty six, like, I think it's time

995
00:46:14,960 --> 00:46:16,640
Speaker 2: for you to figure out who you are and if

996
00:46:17,200 --> 00:46:20,759
Speaker 2: learning more about your Mexican roots is important to you.

997
00:46:20,800 --> 00:46:23,319
Speaker 2: There's so much you can do do you? And I

998
00:46:23,400 --> 00:46:26,040
Speaker 2: mentioned the Queer Eye earlier. If anyone's watched this recent season,

999
00:46:26,040 --> 00:46:28,480
Speaker 2: there's actually a really good episode. Oh you should watch this, Kendall.

1000
00:46:28,960 --> 00:46:31,640
Speaker 2: Go to the episode with Jess. They give this the

1001
00:46:31,680 --> 00:46:35,279
Speaker 2: young girl in Missouri named Jess a makeover. She's an

1002
00:46:35,280 --> 00:46:39,080
Speaker 2: African American woman who was adopted by an African American family,

1003
00:46:40,480 --> 00:46:43,440
Speaker 2: but always liked things that black people in her life

1004
00:46:43,480 --> 00:46:44,600
Speaker 2: told her weren't black enough.

1005
00:46:44,640 --> 00:46:45,840
Speaker 1: So she liked.

1006
00:46:46,440 --> 00:46:48,200
Speaker 2: Music that they didn't like. You know, she liked rock

1007
00:46:48,320 --> 00:46:50,680
Speaker 2: music and that was seen as not black enough. And

1008
00:46:50,719 --> 00:46:55,120
Speaker 2: she now and she's also a lesbian and she's gravitated

1009
00:46:55,160 --> 00:46:59,279
Speaker 2: towards the circle of friends who are LGBTQA, and that

1010
00:46:59,360 --> 00:47:01,640
Speaker 2: really embraced her. But what she's what she felt like

1011
00:47:01,760 --> 00:47:04,439
Speaker 2: she lost was her African American roots, and she felt

1012
00:47:04,440 --> 00:47:07,680
Speaker 2: like she wasn't allowed to explore her black identity because

1013
00:47:07,719 --> 00:47:10,600
Speaker 2: she'd always been told by that by black society or

1014
00:47:10,600 --> 00:47:12,560
Speaker 2: like people in her life that she wasn't black enough.

1015
00:47:12,880 --> 00:47:14,879
Speaker 2: Now the show, it's really beautiful because there's a moment

1016
00:47:14,920 --> 00:47:19,040
Speaker 2: where where one of the one of the makeover people, Caramo,

1017
00:47:19,200 --> 00:47:22,640
Speaker 2: takes her to Alvin Eagley Dance Center in her neighborhood,

1018
00:47:22,719 --> 00:47:24,640
Speaker 2: in a in a part of town that celebrates black

1019
00:47:24,680 --> 00:47:27,279
Speaker 2: culture and just shows her that all she has to

1020
00:47:27,320 --> 00:47:31,200
Speaker 2: do is start researching, start you know, investing, not investigating,

1021
00:47:31,239 --> 00:47:35,520
Speaker 2: but start exploring things in her in her neighborhood, you know,

1022
00:47:35,560 --> 00:47:39,000
Speaker 2: black owned businesses, black owned theater and arts events and

1023
00:47:39,040 --> 00:47:41,560
Speaker 2: things like that, to really start tapping into that part

1024
00:47:41,560 --> 00:47:44,160
Speaker 2: of her identity. And I'm on a lunch bill right now.

1025
00:47:44,200 --> 00:47:47,960
Speaker 2: But you don't have to wait for permission to explore

1026
00:47:48,000 --> 00:47:50,280
Speaker 2: your Latina side at all, exactly.

1027
00:47:50,360 --> 00:47:53,160
Speaker 1: And it's awesome, honestly, It's just it's an in addition

1028
00:47:53,320 --> 00:47:57,040
Speaker 1: to your Caucasian side. So you know, you're it's like

1029
00:47:57,160 --> 00:48:00,640
Speaker 1: double trouble, you know. And so you know, it's much

1030
00:48:00,920 --> 00:48:02,600
Speaker 1: or as little as you feel comfortable with. At the

1031
00:48:02,640 --> 00:48:04,200
Speaker 1: end of the day, it's your life. You get to decide.

1032
00:48:04,280 --> 00:48:07,160
Speaker 1: But so I just think that that's an awesome addition.

1033
00:48:07,360 --> 00:48:09,680
Speaker 1: And yeah, but what's her question?

1034
00:48:09,800 --> 00:48:12,040
Speaker 2: Owned The question is, so she mentioned she's a stay

1035
00:48:12,040 --> 00:48:14,799
Speaker 2: at home mom twenty six, she wants to know what

1036
00:48:14,880 --> 00:48:17,000
Speaker 2: is the best way to go about saving and being

1037
00:48:17,080 --> 00:48:20,759
Speaker 2: financially responsible when planning for baby number two. Number two.

1038
00:48:21,440 --> 00:48:22,480
Speaker 2: Damn girl, oh.

1039
00:48:22,480 --> 00:48:24,200
Speaker 1: Child, we were just talking about the head of the game.

1040
00:48:26,200 --> 00:48:28,399
Speaker 1: But you know what you're gonna be like forty something

1041
00:48:28,480 --> 00:48:31,640
Speaker 1: years old with grown kids and poppen Like, well, my

1042
00:48:31,719 --> 00:48:33,600
Speaker 1: kids are at the house, I'm about to travel even

1043
00:48:33,640 --> 00:48:34,120
Speaker 1: more now.

1044
00:48:34,440 --> 00:48:36,640
Speaker 2: So, like you know, I'm a little jealous of that

1045
00:48:36,640 --> 00:48:37,440
Speaker 2: topap I am.

1046
00:48:39,840 --> 00:48:42,160
Speaker 1: So what could she do to start preparing? Now?

1047
00:48:42,760 --> 00:48:44,719
Speaker 2: This is a strategy that I've heard when I've done

1048
00:48:44,760 --> 00:48:48,280
Speaker 2: stories on the same topic, and it's to immediately start

1049
00:48:48,600 --> 00:48:51,600
Speaker 2: saving half your income and living off the other half

1050
00:48:51,880 --> 00:48:53,239
Speaker 2: and whatever you need to do to get to a

1051
00:48:53,280 --> 00:48:56,920
Speaker 2: place where you can achieve that balance. That'll help you

1052
00:48:57,000 --> 00:49:00,560
Speaker 2: prepare for like the financial impact of having a child.

1053
00:49:00,640 --> 00:49:02,520
Speaker 2: And in your case, this will be your second child.

1054
00:49:03,480 --> 00:49:07,040
Speaker 2: So try that and see how it works. And you've

1055
00:49:07,040 --> 00:49:09,439
Speaker 2: already had the experience, more experience than we have because

1056
00:49:09,480 --> 00:49:12,000
Speaker 2: we don't have a well you have a stepdaughter, but anyway,

1057
00:49:12,400 --> 00:49:14,799
Speaker 2: don't have first baby yet. But you maybe know what

1058
00:49:14,840 --> 00:49:18,080
Speaker 2: your monthly expenses have been to raise your first childs.

1059
00:49:18,120 --> 00:49:19,600
Speaker 2: Maybe you could take a look at how much you

1060
00:49:19,640 --> 00:49:22,520
Speaker 2: were spending on average and your first child's you know,

1061
00:49:22,560 --> 00:49:25,520
Speaker 2: first six to twelve months of life, and then start

1062
00:49:26,000 --> 00:49:29,040
Speaker 2: getting used to setting that money aside, so you have

1063
00:49:29,080 --> 00:49:31,879
Speaker 2: a bit of a cushion in place already before number

1064
00:49:31,880 --> 00:49:32,640
Speaker 2: two comes along.

1065
00:49:33,640 --> 00:49:36,520
Speaker 1: Yeah, Honestly, from what I understand for parents with multiples,

1066
00:49:36,560 --> 00:49:39,160
Speaker 1: like you can never save enough, and so if you

1067
00:49:39,200 --> 00:49:41,000
Speaker 1: can save, you know, as much as you can, like

1068
00:49:41,040 --> 00:49:44,360
Speaker 1: Manby said, before your bundle of joy, your second bundle

1069
00:49:44,400 --> 00:49:46,759
Speaker 1: of joy gets here, that's just going to help you.

1070
00:49:47,040 --> 00:49:48,919
Speaker 1: And Also, two of what I've heard from parents, because

1071
00:49:48,920 --> 00:49:53,040
Speaker 1: I'm one of five, is that like there's like, and

1072
00:49:53,080 --> 00:49:54,799
Speaker 1: I'm sure you know because you have your first one,

1073
00:49:55,440 --> 00:49:59,720
Speaker 1: it's like some magical door opens up and you figure

1074
00:49:59,719 --> 00:50:02,680
Speaker 1: it out, you know where, like you're like, oh my gosh,

1075
00:50:02,719 --> 00:50:05,120
Speaker 1: money's so tight. How could I say? I've got you know,

1076
00:50:05,239 --> 00:50:07,640
Speaker 1: this one? And then two comes and somehow you're managing

1077
00:50:07,680 --> 00:50:11,839
Speaker 1: to feed the two. And so you know, lean into

1078
00:50:11,880 --> 00:50:15,799
Speaker 1: the fact that you know that parents typically figure out

1079
00:50:15,800 --> 00:50:18,080
Speaker 1: a way, and you know you don't have to wait

1080
00:50:18,080 --> 00:50:19,640
Speaker 1: for the baby to get here to open up that

1081
00:50:19,760 --> 00:50:22,000
Speaker 1: magic and say, Okay, what are some things that we

1082
00:50:22,040 --> 00:50:27,120
Speaker 1: really don't necessarily need? Parents sometimes, especially with the first one,

1083
00:50:27,280 --> 00:50:29,640
Speaker 1: are typically overspending on things that the kids really don't

1084
00:50:29,680 --> 00:50:31,759
Speaker 1: care about as much as you think you know, like

1085
00:50:31,800 --> 00:50:34,359
Speaker 1: I remember when my sister. My sister has two little

1086
00:50:34,360 --> 00:50:36,960
Speaker 1: ones cut off her cable and at first she was like,

1087
00:50:36,960 --> 00:50:38,440
Speaker 1: oh my gosh, you know the kids are going. I'm like,

1088
00:50:38,480 --> 00:50:40,480
Speaker 1: first of all, the baby is like one and a

1089
00:50:40,560 --> 00:50:44,319
Speaker 1: half and your oldest oldest child is like three. He

1090
00:50:44,360 --> 00:50:47,880
Speaker 1: doesn't know what cable is, YouTube what? And like when

1091
00:50:47,920 --> 00:50:49,919
Speaker 1: I tell you, those kids are like, there's this little

1092
00:50:49,960 --> 00:50:51,920
Speaker 1: channel called Little Baby Bomb, which is a weird name,

1093
00:50:51,960 --> 00:50:54,840
Speaker 1: but whatever, but they love that Little Baby Bomb and

1094
00:50:54,880 --> 00:50:57,200
Speaker 1: then Netflix. I gave her my Netflix password. Those kids

1095
00:50:57,239 --> 00:51:01,040
Speaker 1: don't know nothing about cable. So there's a lot of things.

1096
00:51:01,040 --> 00:51:03,640
Speaker 1: Sometimes I feel like that parents kind of like impose

1097
00:51:03,760 --> 00:51:05,680
Speaker 1: financially on their kids, like oh, my kid needs this,

1098
00:51:05,719 --> 00:51:08,240
Speaker 1: and it's like, yeah, Honestly, here's the thing about kids.

1099
00:51:09,640 --> 00:51:12,480
Speaker 1: There's no such thing as normal. Whatever life they're living

1100
00:51:12,520 --> 00:51:15,359
Speaker 1: is normal. If everything your house was pink, your kids

1101
00:51:15,400 --> 00:51:18,120
Speaker 1: would think pink was the way everybody lived. If you

1102
00:51:18,200 --> 00:51:20,320
Speaker 1: only ate broccoli all day, your kids would think everybody

1103
00:51:20,360 --> 00:51:23,320
Speaker 1: only eats broccoli. Like, you get to normalize what's normal.

1104
00:51:23,400 --> 00:51:27,600
Speaker 1: So you know, if you normalize frugality, your kids won't

1105
00:51:27,640 --> 00:51:29,719
Speaker 1: know any different until they get like to middle school

1106
00:51:29,760 --> 00:51:31,200
Speaker 1: and the rest of the kids are like, what girl,

1107
00:51:31,239 --> 00:51:33,120
Speaker 1: you need to see a five chicken on Fridays. That's

1108
00:51:33,120 --> 00:51:34,919
Speaker 1: what I found out that people had fried chicken because

1109
00:51:34,960 --> 00:51:37,040
Speaker 1: my mother was like super healthy and I was like, ugh,

1110
00:51:37,960 --> 00:51:42,400
Speaker 1: what their skin on chicken? And it's delicious, That's what.

1111
00:51:44,560 --> 00:51:46,080
Speaker 1: But I say all that to say is that, like,

1112
00:51:46,440 --> 00:51:50,560
Speaker 1: you know, like create an environment where frugal and fun

1113
00:51:50,760 --> 00:51:53,080
Speaker 1: is normal and save as much as you can.

1114
00:51:53,920 --> 00:51:56,799
Speaker 2: Yeah, and he says hand me downs from baby number one.

1115
00:51:56,920 --> 00:51:59,960
Speaker 2: Hope you still got them? Yes, good luck kind of

1116
00:52:00,360 --> 00:52:05,640
Speaker 2: and thanks for your question. All right, guys again Brandon

1117
00:52:05,680 --> 00:52:07,719
Speaker 2: Mission Podcast at gmail dot com or hit us up

1118
00:52:07,719 --> 00:52:10,040
Speaker 2: at Brandimission podcast dot com with your questions.

1119
00:52:23,600 --> 00:52:27,920
Speaker 1: Yes, now it's time for our booster break for all

1120
00:52:28,000 --> 00:52:31,960
Speaker 1: the family. Will you boost? Will you break? Which one?

1121
00:52:32,080 --> 00:52:35,359
Speaker 1: Will it be? Mandy?

1122
00:52:35,680 --> 00:52:38,200
Speaker 2: You should write that down for next time. It's gone

1123
00:52:38,200 --> 00:52:42,839
Speaker 2: already my own royalty to Disney. But we won't y'all

1124
00:52:42,840 --> 00:52:43,400
Speaker 2: won't tell.

1125
00:52:46,760 --> 00:52:47,160
Speaker 1: To break.

1126
00:52:47,200 --> 00:52:50,720
Speaker 2: I'm gonna do a break, a brown break. I'm having

1127
00:52:50,760 --> 00:52:54,080
Speaker 2: a little moment in my millennialness of just being outraged

1128
00:52:54,080 --> 00:52:56,520
Speaker 2: by our recycling culture, and I feel like I need

1129
00:52:56,520 --> 00:52:58,759
Speaker 2: to talk about it, So of course I try, you know,

1130
00:52:58,800 --> 00:53:01,200
Speaker 2: when you have a dog as a good neighbor, you

1131
00:53:01,239 --> 00:53:03,320
Speaker 2: pick up when your dog goes number two, and a

1132
00:53:03,880 --> 00:53:06,400
Speaker 2: little baggy for dogs number two is a poop bag,

1133
00:53:06,800 --> 00:53:09,319
Speaker 2: shall we say. And I knew I was like going

1134
00:53:09,400 --> 00:53:12,640
Speaker 2: to be throwing away at least three poop bags a day, Okay,

1135
00:53:12,680 --> 00:53:14,759
Speaker 2: I didn't realize it would be like six because Molly,

1136
00:53:14,880 --> 00:53:17,440
Speaker 2: I don't know what that girl eats, but she anyway,

1137
00:53:17,520 --> 00:53:19,719
Speaker 2: she goes a lot, but these poop bags. So I

1138
00:53:19,760 --> 00:53:22,840
Speaker 2: decided I was going to invest in like biodegradable bags

1139
00:53:22,880 --> 00:53:25,040
Speaker 2: that aren't that expensive, so I got them on Amazon.

1140
00:53:25,080 --> 00:53:27,440
Speaker 2: But that would actually, I don't know, not hurt the environment.

1141
00:53:27,560 --> 00:53:29,320
Speaker 2: Just plastic. I don't know. If you read about plastic

1142
00:53:29,320 --> 00:53:31,480
Speaker 2: and how bad it is for any winding up in

1143
00:53:31,560 --> 00:53:34,040
Speaker 2: oceans and it's getting stuck up turtle's nose and all

1144
00:53:34,120 --> 00:53:37,080
Speaker 2: kinds of stuff. Plastic is bad. I thought I was

1145
00:53:37,120 --> 00:53:38,719
Speaker 2: doing a good job, but then of course you read

1146
00:53:38,760 --> 00:53:40,960
Speaker 2: I start reading on the internets about how first of all,

1147
00:53:41,040 --> 00:53:44,000
Speaker 2: some companies if they're selling biodegradable and this goes beyond

1148
00:53:44,000 --> 00:53:48,240
Speaker 2: just doggy poop bags, but like biodegradable utensils and plastic

1149
00:53:48,400 --> 00:53:51,080
Speaker 2: or not plastic, but biodegradable plates and things like that,

1150
00:53:51,160 --> 00:53:56,080
Speaker 2: disposable things, they're not always actually just you know, actually

1151
00:53:56,840 --> 00:54:00,520
Speaker 2: composting and landfills and there actually can be hurting landfills

1152
00:54:00,560 --> 00:54:03,239
Speaker 2: and being bad for the environment. On top of that,

1153
00:54:03,520 --> 00:54:06,400
Speaker 2: I'm reading also research that's shown that like not research

1154
00:54:06,440 --> 00:54:10,000
Speaker 2: that's shown, but did you realize in America most of

1155
00:54:10,040 --> 00:54:13,359
Speaker 2: our recycling we sell it to China, Like a ton

1156
00:54:13,400 --> 00:54:16,239
Speaker 2: of recycling, We just sell it to China or or

1157
00:54:16,280 --> 00:54:20,880
Speaker 2: countries overseas. And what's happening is China recently said no, no, no, ma'am,

1158
00:54:20,960 --> 00:54:23,239
Speaker 2: we don't have any space for America's trash anymore, so

1159
00:54:23,280 --> 00:54:26,680
Speaker 2: we're not buying it anymore. So where is our recycling going?

1160
00:54:26,960 --> 00:54:29,360
Speaker 2: You know, when we reparate, when we separate things in

1161
00:54:29,400 --> 00:54:32,200
Speaker 2: our day to day lives, is it really going where

1162
00:54:32,200 --> 00:54:35,080
Speaker 2: it's meant to be going. Is it actually being recycled

1163
00:54:35,400 --> 00:54:38,399
Speaker 2: or is it ending up back in landfills? I want

1164
00:54:38,400 --> 00:54:40,359
Speaker 2: to know. And my ten year old self who watched

1165
00:54:40,360 --> 00:54:44,200
Speaker 2: that episode of Arthur when Francine's dad took them to

1166
00:54:44,239 --> 00:54:46,319
Speaker 2: the you know where he worked as a garbage man

1167
00:54:46,440 --> 00:54:49,120
Speaker 2: and showed them making playgrounds out of their trash, Like

1168
00:54:49,200 --> 00:54:51,840
Speaker 2: I want to know where these playgrounds are, and I

1169
00:54:51,880 --> 00:54:54,920
Speaker 2: want to know that that we're not just contributing to this.

1170
00:54:55,320 --> 00:54:59,160
Speaker 2: I don't know. This is like environmental crisis, and that

1171
00:54:59,280 --> 00:55:01,919
Speaker 2: is my my break. I have no answers. I only

1172
00:55:01,960 --> 00:55:05,640
Speaker 2: have I'm just now getting woke about trash and where

1173
00:55:05,640 --> 00:55:06,440
Speaker 2: it actually goes.

1174
00:55:06,960 --> 00:55:08,440
Speaker 1: Yeah, it's hard to watch.

1175
00:55:09,560 --> 00:55:12,200
Speaker 2: I need to compost. I've heard I need to like

1176
00:55:12,239 --> 00:55:13,799
Speaker 2: dig a hole in my backyard and the best way

1177
00:55:13,800 --> 00:55:17,000
Speaker 2: to get rid of dog business is by digging digging

1178
00:55:17,000 --> 00:55:18,640
Speaker 2: a hole in the backyard. I'm like, my backyard is

1179
00:55:18,640 --> 00:55:21,120
Speaker 2: not big enough. That's going to be reeking. So I

1180
00:55:21,160 --> 00:55:22,080
Speaker 2: don't know what to do.

1181
00:55:23,400 --> 00:55:25,279
Speaker 1: But yeah, honestly, I remember I was part of the

1182
00:55:27,400 --> 00:55:29,759
Speaker 1: environmental club when I was like in middle school in

1183
00:55:29,840 --> 00:55:32,520
Speaker 1: high school, and I felt so hopeful, and I'm like,

1184
00:55:32,560 --> 00:55:33,520
Speaker 1: we're still here.

1185
00:55:35,400 --> 00:55:37,880
Speaker 2: Barely. I don't know. I just feel like we're going

1186
00:55:37,920 --> 00:55:39,280
Speaker 2: to have a trash reckoning people.

1187
00:55:39,800 --> 00:55:41,279
Speaker 1: Yeah, And that's what I mean, that we're still here,

1188
00:55:41,320 --> 00:55:44,600
Speaker 1: still dealing with the same things. Yeah, Like I was

1189
00:55:44,680 --> 00:55:46,879
Speaker 1: like wow, because you know, I was like, Yay, we're

1190
00:55:46,880 --> 00:55:48,680
Speaker 1: doing these things where you know, we're trying really hard,

1191
00:55:48,680 --> 00:55:50,120
Speaker 1: We're going to see a difference. And I'm like, oh

1192
00:55:50,200 --> 00:55:55,799
Speaker 1: not so much. So I actually I have two booths,

1193
00:55:56,239 --> 00:55:58,640
Speaker 1: so one boost is like a little fun one. Well,

1194
00:55:58,640 --> 00:56:03,839
Speaker 1: they're both fun one Bet Black Entertainment Television. If you're

1195
00:56:03,880 --> 00:56:06,200
Speaker 1: not following them on IG, you should because they're doing

1196
00:56:06,239 --> 00:56:10,440
Speaker 1: this fun series called I was a Soul Trained dancer.

1197
00:56:12,080 --> 00:56:13,759
Speaker 1: And it's not like you I never thought about it.

1198
00:56:13,760 --> 00:56:15,399
Speaker 1: I mean I watched Soul Trained as a kid, I guess,

1199
00:56:15,480 --> 00:56:19,280
Speaker 1: I mean I vaguely remember. But it's just this like

1200
00:56:19,280 --> 00:56:22,440
Speaker 1: like a series of short documentaries on I guess like

1201
00:56:22,960 --> 00:56:25,880
Speaker 1: iconic soul trained dancers, And honestly, it's really nice to

1202
00:56:25,960 --> 00:56:28,279
Speaker 1: learn about how do they get on soul Train? What

1203
00:56:28,320 --> 00:56:30,520
Speaker 1: are they doing now? And it's nice because you know,

1204
00:56:30,560 --> 00:56:33,840
Speaker 1: sometimes BT is not the best programming and so what

1205
00:56:33,960 --> 00:56:36,359
Speaker 1: I love is like in the comments, people are reminiscing,

1206
00:56:36,880 --> 00:56:39,359
Speaker 1: people are like, oh, I remember that guy. It's just

1207
00:56:39,560 --> 00:56:41,600
Speaker 1: so if you need a little boost, a little a

1208
00:56:41,600 --> 00:56:44,320
Speaker 1: little brown boost. Actually, you know, head over to BET's

1209
00:56:44,360 --> 00:56:47,560
Speaker 1: IG page. It's just b ET and you know, watch

1210
00:56:47,560 --> 00:56:49,440
Speaker 1: some of those videos. They've been really nice to watch.

1211
00:56:50,360 --> 00:56:54,759
Speaker 1: But my big brown boost goes to Jessica Nabongo. Hey,

1212
00:56:54,880 --> 00:56:58,560
Speaker 1: jess her IG is the catch me if you can

1213
00:56:59,200 --> 00:57:01,920
Speaker 1: and Jessica is on her way. She just was like

1214
00:57:02,000 --> 00:57:06,440
Speaker 1: highlighted by Good Morning America. She is the very first

1215
00:57:06,600 --> 00:57:10,160
Speaker 1: black woman to she's gonna be the very first black

1216
00:57:10,200 --> 00:57:12,680
Speaker 1: woman to visit every single country. I guess she's right

1217
00:57:12,719 --> 00:57:16,440
Speaker 1: on the cusp right now. Yeah, it's't not crazy. Every

1218
00:57:16,640 --> 00:57:20,360
Speaker 1: single country. There's a hundred to one hundred and ninety

1219
00:57:20,360 --> 00:57:21,640
Speaker 1: five yep. I was about to say one hundred and

1220
00:57:21,680 --> 00:57:25,280
Speaker 1: ninety five countries. And I just think that that's really cool.

1221
00:57:25,320 --> 00:57:28,840
Speaker 1: I've been following her on I've been following her on

1222
00:57:29,920 --> 00:57:32,520
Speaker 1: IG and I honestly her pictures are obviously, you know,

1223
00:57:32,720 --> 00:57:39,280
Speaker 1: just gorgeous, and yeah, I'm just it's just really cool

1224
00:57:39,280 --> 00:57:42,680
Speaker 1: to see someone who has taken travel kind of like

1225
00:57:43,120 --> 00:57:46,000
Speaker 1: to the next level, and that she'll be the first

1226
00:57:46,000 --> 00:57:46,800
Speaker 1: black woman to do this.

1227
00:57:46,960 --> 00:57:49,360
Speaker 2: You know, I'm so jealous. That's awesome.

1228
00:57:49,680 --> 00:57:51,360
Speaker 1: Yeah, that is awesome, right, And I was just like,

1229
00:57:51,400 --> 00:57:54,520
Speaker 1: so yeah, that's just like yeah, I was like, look

1230
00:57:54,520 --> 00:57:59,440
Speaker 1: at Jessica, catch me if you can. It's the catch me,

1231
00:57:59,520 --> 00:58:02,720
Speaker 1: if you can, you catch me? Like you love her

1232
00:58:02,720 --> 00:58:08,760
Speaker 1: pictures exactly, Oh my gosh. Else people are so great.

1233
00:58:08,800 --> 00:58:11,040
Speaker 1: I'm looking at a comment someone was like, why is

1234
00:58:11,080 --> 00:58:14,440
Speaker 1: she the first black woman. Why not just the first woman? Ridiculous.

1235
00:58:14,720 --> 00:58:16,160
Speaker 1: Someone was like, what do you mean a white woman

1236
00:58:16,160 --> 00:58:18,880
Speaker 1: probably already visit every country. I mean, I mean sometimes

1237
00:58:18,880 --> 00:58:22,880
Speaker 1: people are really looking for like, oh my gosh, I'm

1238
00:58:22,920 --> 00:58:28,280
Speaker 1: just accurate. I mean like, it's like, girl, because someone

1239
00:58:28,320 --> 00:58:29,800
Speaker 1: already did it who was not black.

1240
00:58:30,040 --> 00:58:31,680
Speaker 2: They would only be offensive if someone were at the

1241
00:58:31,720 --> 00:58:33,600
Speaker 2: headline black woman visits every country.

1242
00:58:33,760 --> 00:58:37,560
Speaker 1: Yes, that's why I was gonna say, clearly, I mean,

1243
00:58:37,560 --> 00:58:39,200
Speaker 1: that's what it's implying to me. I'm not for sure,

1244
00:58:39,240 --> 00:58:41,280
Speaker 1: but it's implying to me that there was a white woman,

1245
00:58:41,320 --> 00:58:43,040
Speaker 1: maybe a Spanish woman or somebody else who has already

1246
00:58:43,040 --> 00:58:45,479
Speaker 1: done that. So we're, you know, making the emphasis because

1247
00:58:45,520 --> 00:58:47,640
Speaker 1: she's the first black woman. I don't know what it

1248
00:58:47,720 --> 00:58:51,840
Speaker 1: is about people who are non black, not people everyone,

1249
00:58:51,920 --> 00:58:54,520
Speaker 1: but there are certain people who are non black who

1250
00:58:54,560 --> 00:58:56,320
Speaker 1: get so offended when you actually say the word black.

1251
00:58:56,320 --> 00:58:57,240
Speaker 1: I'm like, why.

1252
00:58:58,560 --> 00:58:59,560
Speaker 2: Color And that's fine.

1253
00:59:00,120 --> 00:59:02,640
Speaker 1: No, I'm colorblind, except for at night when I'm clutching

1254
00:59:02,720 --> 00:59:05,240
Speaker 1: my purse. Girls, sit down, she said, why does she

1255
00:59:05,320 --> 00:59:07,240
Speaker 1: have to be the first black woman? Because she's a

1256
00:59:07,480 --> 00:59:11,400
Speaker 1: black woman. So yeah, that's my booze for Jessica and

1257
00:59:11,440 --> 00:59:14,000
Speaker 1: then also for BT for actually doing right by us,

1258
00:59:14,280 --> 00:59:16,560
Speaker 1: you know, like I want to see like black history

1259
00:59:16,680 --> 00:59:19,920
Speaker 1: kind of like fun like things like that on your

1260
00:59:19,960 --> 00:59:21,560
Speaker 1: ig and on your network. We don't need to watch

1261
00:59:21,600 --> 00:59:23,360
Speaker 1: baby Boy one more time, even though I don't even

1262
00:59:23,400 --> 00:59:26,280
Speaker 1: watch BET like that because of the programming, but it

1263
00:59:26,320 --> 00:59:28,280
Speaker 1: would be nice to see things like that, because I'm

1264
00:59:28,280 --> 00:59:30,800
Speaker 1: telling these have been really nice, like fun videos to

1265
00:59:30,880 --> 00:59:33,440
Speaker 1: kind of like look back with nostalgia on what was?

1266
00:59:33,520 --> 00:59:33,720
Speaker 1: You know?

1267
00:59:34,360 --> 00:59:36,880
Speaker 2: Maybe I should follow BET on Instagram. I can't say

1268
00:59:36,920 --> 00:59:39,800
Speaker 2: that I do. I did watch Soul Train, though.

1269
00:59:40,040 --> 00:59:41,840
Speaker 1: Oh see, why are the dances?

1270
00:59:41,880 --> 00:59:43,640
Speaker 2: I'm like, Oh, all of us have like an uncle

1271
00:59:43,720 --> 00:59:46,080
Speaker 2: or an aunt removed or something like that. Who was

1272
00:59:46,080 --> 00:59:46,720
Speaker 2: on Soul Train?

1273
00:59:47,400 --> 00:59:48,960
Speaker 1: I'm like, really, I don't think I did, but that

1274
00:59:48,960 --> 00:59:51,360
Speaker 1: would be funny maybe, And I've never asked before.

1275
00:59:52,560 --> 00:59:54,280
Speaker 2: Just you never know, you never know.

1276
00:59:55,120 --> 00:59:59,000
Speaker 1: All Right, Well, it's been an awesome show, Manager as

1277
00:59:59,040 --> 00:59:59,640
Speaker 1: per usual.

1278
01:00:00,000 --> 01:00:01,440
Speaker 2: I mean, are you getting ready for your time off?

1279
01:00:01,480 --> 01:00:03,280
Speaker 2: What are we gonna do without you?

1280
01:00:03,280 --> 01:00:07,320
Speaker 1: You are gonna have some guest hosts who are gonna sleigh, Yes, guys,

1281
01:00:07,320 --> 01:00:09,440
Speaker 1: I'm gonna be taking two weeks off just to like

1282
01:00:09,480 --> 01:00:12,400
Speaker 1: loose like so I'm trying to not not even trying.

1283
01:00:12,440 --> 01:00:13,960
Speaker 1: My teams already let me know they're gonna lock me

1284
01:00:14,000 --> 01:00:18,160
Speaker 1: out of everything, which honestly I need. Like I don't

1285
01:00:18,240 --> 01:00:20,160
Speaker 1: have any like major plans in place. I'll try to

1286
01:00:20,160 --> 01:00:23,960
Speaker 1: at least go somewhere new and different, but maybe some massages,

1287
01:00:24,160 --> 01:00:26,400
Speaker 1: a petticure, because my feet are definitely winter feet right now,

1288
01:00:26,400 --> 01:00:27,360
Speaker 1: which is not a cute.

1289
01:00:27,160 --> 01:00:28,360
Speaker 2: Look winter feet.

1290
01:00:30,680 --> 01:00:35,360
Speaker 1: Hashtag. Oh no, yeah, just like it, you know, just

1291
01:00:35,400 --> 01:00:38,400
Speaker 1: to relax, and it will be because usually, like even

1292
01:00:38,400 --> 01:00:40,240
Speaker 1: if I take like the day off or half a day,

1293
01:00:40,320 --> 01:00:42,440
Speaker 1: I'm still thinking about ooh tomorrow, I gotta do X

1294
01:00:42,560 --> 01:00:45,520
Speaker 1: y Z, you know, and so this this would be

1295
01:00:45,560 --> 01:00:46,320
Speaker 1: nice not to think that.

1296
01:00:46,600 --> 01:00:48,400
Speaker 2: Yeah, and you'll come back fresher and better than ever.

1297
01:00:48,920 --> 01:00:50,200
Speaker 2: So you guys, don't worry.

1298
01:00:50,240 --> 01:00:50,760
Speaker 1: I got y'all.

1299
01:00:50,840 --> 01:00:53,120
Speaker 2: I got y'all. We're gonna have to own some incredible

1300
01:00:53,160 --> 01:00:56,200
Speaker 2: guest hosts joining us the first couple of episodes of April.

1301
01:00:56,840 --> 01:00:58,880
Speaker 2: Let me see I've confirmed them so I can share.

1302
01:00:58,960 --> 01:01:01,160
Speaker 2: We're gonna have our favorite, what do we call her,

1303
01:01:01,200 --> 01:01:05,880
Speaker 2: a fairy money godmother, Yanette the money Coach, the money

1304
01:01:05,880 --> 01:01:08,480
Speaker 2: coach herself, Lynette Califani Cox who I think still has

1305
01:01:08,520 --> 01:01:11,840
Speaker 2: one of our most popular episodes ever where we talked

1306
01:01:11,840 --> 01:01:14,640
Speaker 2: about negotiating and asking for more at work. So Lynette's

1307
01:01:14,640 --> 01:01:17,040
Speaker 2: going to be joining us, and also we'll have for

1308
01:01:17,080 --> 01:01:20,000
Speaker 2: the first time Sandy Smith, who's the founder of Yes

1309
01:01:20,080 --> 01:01:22,480
Speaker 2: I Am Cheap, which is a personal finance blog. Sandy

1310
01:01:22,560 --> 01:01:25,880
Speaker 2: is like the ultimate hustle queen. I feel like, holds

1311
01:01:25,920 --> 01:01:28,040
Speaker 2: down a nine to five job but has all these

1312
01:01:28,080 --> 01:01:30,640
Speaker 2: side hustles and has been We've been trying to have

1313
01:01:30,640 --> 01:01:32,640
Speaker 2: her on the show forever. I feel like, so yeah,

1314
01:01:33,080 --> 01:01:35,360
Speaker 2: I'm very I think you guys are gonna love you some, Sandy.

1315
01:01:35,400 --> 01:01:36,280
Speaker 2: If you're not always.

1316
01:01:37,800 --> 01:01:39,280
Speaker 1: Everyone loves up some sad days.

1317
01:01:39,320 --> 01:01:42,480
Speaker 2: She's so awesome, tells it like it is hilarious. Can't

1318
01:01:42,480 --> 01:01:44,520
Speaker 2: wait to have her on. So we're in good hands,

1319
01:01:44,560 --> 01:01:47,040
Speaker 2: you guys, don't worry, don't go gho sting me Without Tiffany,

1320
01:01:47,080 --> 01:01:49,720
Speaker 2: It'll still be a great show while Tip gets so

1321
01:01:49,800 --> 01:01:51,520
Speaker 2: much needed rest and relaxation.

1322
01:02:00,520 --> 01:02:00,720
Speaker 1: Four