WEBVTT - Ep. 166 — How Car Debt is Killing Us 0:00:16.200 --> 0:00:21.960 Hey, Hey, Hey, I'm Tiffany. 0:00:22.920 --> 0:00:26.160 What's up. Guys, It's Mandy. 0:00:26.720 --> 0:00:29.600 And this is brown a Vision. Hey, Mandra, how you been. 0:00:30.400 --> 0:00:31.040 I've been good. 0:00:31.080 --> 0:00:34.120 I've been good. I've been enjoying this little teaser of 0:00:34.159 --> 0:00:37.960 spring weather, although winter is already back and driving me insane. 0:00:38.320 --> 0:00:42.520 Yeah, the winter. It's definitely giving us some Oh what's 0:00:42.560 --> 0:00:44.200 that thing you guys watched that I don't watch? 0:00:44.520 --> 0:00:45.280 Came of Thrones? 0:00:45.640 --> 0:00:47.920 Yes, but you know what, you'll be proud of me. 0:00:48.440 --> 0:00:50.599 This is a little aside because I see the new 0:00:50.600 --> 0:00:53.120 Game of Thrones is coming out soon, right, the last one? 0:00:53.400 --> 0:00:56.480 Yeah, April fourteenth, but you know who's counting. 0:00:57.000 --> 0:00:59.160 And I felt like I ought to know at least 0:00:59.160 --> 0:01:02.160 some basics of what's happening. There's actually this really great 0:01:02.280 --> 0:01:05.679 YouTube channel called CRAM. I think it's see. I don't 0:01:05.720 --> 0:01:09.720 know if it's KRC either way. So he crams each 0:01:09.800 --> 0:01:12.920 season into like a twenty to like thirty thirty five 0:01:13.000 --> 0:01:17.200 minute explanation, and I feel like I know things. 0:01:17.640 --> 0:01:20.480 Oh, okay, got a challenge. 0:01:20.920 --> 0:01:23.000 It was really good, honestly, because I was bored one night, 0:01:23.000 --> 0:01:24.480 I could not go to sleep, and I said, you 0:01:24.520 --> 0:01:27.040 know what, I feel like I'm never going to watch 0:01:27.040 --> 0:01:28.640 the Game of Thrones because I mean, let's be wrong, 0:01:28.640 --> 0:01:32.120 I'm so behind. But so I watched the first season 0:01:32.280 --> 0:01:34.240 and I was like, okay, the first season cramed. It 0:01:34.280 --> 0:01:36.800 was like, I said, like thirty minutes and I said, okay, 0:01:37.040 --> 0:01:41.920 the narest Targarian, Okay, just you know, poor poor Ned 0:01:42.040 --> 0:01:43.840 with his head cut off, got it, got it, got it? 0:01:44.040 --> 0:01:46.000 Spoiler hurt damn well. 0:01:46.040 --> 0:01:47.960 I mean, if you haven't watched the first season, it's 0:01:47.960 --> 0:01:49.080 already just watched crams. 0:01:49.160 --> 0:01:50.920 I mean, there's a lot of heads that get cut off. 0:01:52.040 --> 0:01:53.920 But it was so honestly, it was so good and 0:01:53.960 --> 0:01:55.160 I was like, oh, I can see why you guys 0:01:55.200 --> 0:01:57.040 like it. Although I am not sitting down to watch 0:01:57.040 --> 0:02:00.280 eight seasons of so many episodes. But I thought proud 0:02:00.320 --> 0:02:01.720 of myself because I feel like when the new season 0:02:01.760 --> 0:02:04.800 comes out, because Superman does watch Game of Thrones, and 0:02:04.840 --> 0:02:06.240 now I feel like I can watch with him and 0:02:06.240 --> 0:02:08.560 not be like, who's that, what's that? What's going on? Yeah, 0:02:08.600 --> 0:02:10.440 I'm like, I know things. I was like, oh wait 0:02:10.480 --> 0:02:11.239 till I tell Mandra. 0:02:11.320 --> 0:02:13.760 I mean, no, it's you know, no, there's just so 0:02:13.840 --> 0:02:15.880 much content out there. I don't blame anybody for I 0:02:15.880 --> 0:02:17.600 mean I spent this weekend. I thought I was going 0:02:17.680 --> 0:02:19.720 to binge the Queer Eye, which I did watch a 0:02:19.720 --> 0:02:22.680 few episodes. Do you watch Queer Eye on Netflix? 0:02:23.440 --> 0:02:24.800 Oh, there's too many things to watch. 0:02:25.000 --> 0:02:27.520 I know, there's so much, but like this is this 0:02:27.600 --> 0:02:30.119 show will just make you just just want to hug 0:02:30.120 --> 0:02:32.519 a puppy and just be so happy. They're just such 0:02:32.520 --> 0:02:34.520 a fun like little show. You don't have to binge it. 0:02:34.560 --> 0:02:37.360 You can just watch little sprinkles of it. But I 0:02:37.400 --> 0:02:39.200 had to. I like forced myself to get out of 0:02:39.200 --> 0:02:41.520 the house and enjoy the sunshine. So I was quite 0:02:41.720 --> 0:02:43.960 feeling myself for just enjoying. We did a lot of 0:02:44.040 --> 0:02:46.840 yard work and we went took Molly to the dog park, 0:02:46.919 --> 0:02:49.760 which she wasn't a fan of. Little Molly is an 0:02:49.760 --> 0:02:50.880 introvert like her mommy. 0:02:51.120 --> 0:02:52.520 Oh she didn't like the dog park. 0:02:52.960 --> 0:02:55.360 She was just she's introverted. She doesn't It was just 0:02:55.400 --> 0:02:58.040 too much stimulation for her. You know, all these extroverted 0:02:58.080 --> 0:03:00.720 dogs trying to sniff her butt and you know, play 0:03:00.800 --> 0:03:01.080 with her. 0:03:02.520 --> 0:03:03.240 But I don't know. 0:03:03.200 --> 0:03:06.480 You exactly it was. It was too too much for her. 0:03:06.560 --> 0:03:08.600 So it was a little sensory overload. And we came 0:03:08.639 --> 0:03:10.640 home and we just made our backyard a nice little 0:03:10.639 --> 0:03:13.040 place for her to relax, and it was funny because 0:03:13.040 --> 0:03:15.560 her real personality started coming out and she was having 0:03:15.600 --> 0:03:16.160 a good time. 0:03:16.680 --> 0:03:18.919 Yeah, I saw your ig. Sorry. I thought it was 0:03:18.919 --> 0:03:21.080 so cute when you guys were you were chasing her 0:03:21.080 --> 0:03:22.760 and she was like catch me, okay, no, pet me. 0:03:22.919 --> 0:03:24.040 I thought that was so adorable. 0:03:24.120 --> 0:03:26.800 Yeah, she walks herself now, it's awesome, just in the byard. 0:03:27.840 --> 0:03:29.720 I love that. Is she gonna get much bigger? Do 0:03:29.760 --> 0:03:32.040 you know, like how how big her breed or whatever 0:03:32.080 --> 0:03:32.720 normally gets. 0:03:32.919 --> 0:03:35.960 No, this is it. She's a little over a year old, 0:03:36.040 --> 0:03:38.040 like a year and a half, and this is she's 0:03:38.080 --> 0:03:41.000 fully grown. So she's like really little size. Yeah, she's 0:03:41.120 --> 0:03:43.360 just she's mixed. She's a Labrador, but she's mixed with 0:03:43.400 --> 0:03:46.240 something small, like a type of terrier that's small. So 0:03:46.280 --> 0:03:50.040 we got really lucky because she's got all the personality 0:03:50.080 --> 0:03:52.280 of a lab but not the huge size. Like if 0:03:52.320 --> 0:03:54.560 you look at her next to a full sized labrador 0:03:54.560 --> 0:03:56.960 like a purebread, she's like one third of their size. 0:03:57.120 --> 0:03:59.560 Yeah, she's a great size. Oh look, mixed girl got 0:03:59.560 --> 0:04:01.160 a mix babe, be big s puppy. 0:04:01.080 --> 0:04:04.880 My little mutt and she's black and white too, but 0:04:04.920 --> 0:04:05.560 you know, on the. 0:04:05.560 --> 0:04:11.080 Nose, I love that. Oh yeah, she's adorable. You almost 0:04:11.080 --> 0:04:13.600 make almost I'm like, oh, I want to pat a dog. 0:04:15.120 --> 0:04:18.480 I honestly the mental health boost from having a dog 0:04:18.520 --> 0:04:20.240 in my life, because I've been wanting a dog for 0:04:20.400 --> 0:04:21.760 I would have had a dog years ago if it 0:04:21.800 --> 0:04:24.120 wasn't for waiting for my partner to be on the 0:04:24.120 --> 0:04:26.839 same page. Really frustrating, but finally we got one. But 0:04:26.920 --> 0:04:29.000 I just I grew up with dogs and I feel 0:04:29.040 --> 0:04:33.040 like she has. Yes, there's sort of the maintenance of 0:04:33.080 --> 0:04:34.960 having an animal or whatever that you know, you have 0:04:35.000 --> 0:04:36.520 to like plan your life around them a little bit, 0:04:36.920 --> 0:04:38.760 but I think that's good practice for having a kid 0:04:38.800 --> 0:04:41.400 for one, and then two just the mental health benefit. 0:04:41.440 --> 0:04:43.440 I mean, I'm just so much happier. And she's also 0:04:43.920 --> 0:04:45.400 forcing me to get out of the house, Like I 0:04:45.720 --> 0:04:47.400 get up at seven am and go on a one 0:04:47.400 --> 0:04:49.600 and a half mile walk that I never would have taken, 0:04:50.080 --> 0:04:52.920 you know before. And I think that she's just had 0:04:52.960 --> 0:04:55.560 so many benefits just even just being in my life 0:04:55.560 --> 0:04:57.840 for a few weeks that I'm not going back. I'm 0:04:57.839 --> 0:04:58.680 always gonna have a dog. 0:04:59.200 --> 0:05:01.200 Yeah, honestly, they say you know. I mean that's why 0:05:01.240 --> 0:05:04.120 you see sometimes they have like an animal kind of 0:05:04.160 --> 0:05:08.160 like program at like like elder homes and stuff like that, 0:05:08.200 --> 0:05:10.839 because it just it's just helpful. I remember when I 0:05:10.839 --> 0:05:12.440 had a I mean, I know a cat's not the same, 0:05:12.440 --> 0:05:14.480 but I was so geek with my parents because they 0:05:14.480 --> 0:05:15.920 were like, no, you can't have this, No you can't 0:05:15.960 --> 0:05:18.080 have that. But they felt like a cat with something 0:05:18.560 --> 0:05:20.760 that was fairly easy. And cats are fairly easy to 0:05:20.800 --> 0:05:23.599 take care because they're so independent. Honestly though, but it 0:05:23.640 --> 0:05:26.599 made my day. It also made me so responsible because 0:05:26.640 --> 0:05:29.279 like I was responsible for her vet bill, you know, 0:05:29.400 --> 0:05:31.560 I was responsible for feeding her and making sure that 0:05:31.680 --> 0:05:33.240 she had like you know, wherever she was going to 0:05:33.320 --> 0:05:36.160 go to the bathroom. But it was just like nice 0:05:36.200 --> 0:05:38.200 to have. I mean, although cats will give you the 0:05:38.240 --> 0:05:41.280 same kind of love, it was nice to have like 0:05:41.400 --> 0:05:45.280 this living, you know, living cute little creature just kind 0:05:45.320 --> 0:05:47.120 of like I love you too. I mean, although cats 0:05:47.160 --> 0:05:48.760 are like I love you too, I get. 0:05:48.839 --> 0:05:51.360 They bless you with their presence. Is this the same 0:05:51.480 --> 0:05:53.520 guy that you said ended up living with the neighbors. 0:05:54.120 --> 0:05:56.599 Yes, well, I mean, to be fair, we did leave 0:05:56.600 --> 0:06:01.320 her kind of higher drive, but still I know. 0:06:01.880 --> 0:06:02.080 Yeah. 0:06:02.160 --> 0:06:03.599 My dad was like, oh well, I was like, no, 0:06:04.240 --> 0:06:06.320 she's like the thing about a cat. It's not like 0:06:06.320 --> 0:06:07.760 a dog. We're like, I'm gonna get my cat and 0:06:07.760 --> 0:06:09.680 bring it back like we tried. The cat was like, girl, 0:06:09.680 --> 0:06:11.599 I don't live with you anymore. I'm still going across 0:06:11.600 --> 0:06:15.320 the street, so you know. But it was cute for 0:06:15.320 --> 0:06:16.920 her to let her let us know, like me hourring 0:06:16.920 --> 0:06:19.680 out the window. Can you imagine the gall for us 0:06:19.680 --> 0:06:21.240 to walk by and for her to be out and 0:06:21.240 --> 0:06:23.640 be like, hey girl with her new collar on. I 0:06:23.720 --> 0:06:26.800 was like, so, this is where you lived now, and 0:06:26.800 --> 0:06:29.680 you're just letting me know. I'm good. Don't worry. I 0:06:29.720 --> 0:06:31.520 get fed here. I was like, you know what, it's fine, 0:06:31.720 --> 0:06:33.240 sit there. I wanted to even call her. 0:06:33.360 --> 0:06:35.800 She had to do what was best for her. 0:06:35.880 --> 0:06:36.160 You know. 0:06:37.080 --> 0:06:38.360 She lived her best life. 0:06:38.400 --> 0:06:40.279 Her best when I say her best, because my dad 0:06:40.320 --> 0:06:42.799 was definitely not for an inside cat. I'm like, Daddy, 0:06:42.880 --> 0:06:45.200 they're they're not outside, you know, like they need to 0:06:45.240 --> 0:06:47.919 be inside. He's like no, So I used to just 0:06:47.960 --> 0:06:49.600 have to seek her inside. But she's like, but here, 0:06:49.880 --> 0:06:52.800 you know, they love me inside. So I'm sure she's 0:06:52.800 --> 0:06:54.600 still lived on me and she's still alive. I mean 0:06:54.680 --> 0:07:00.560 she was got white people. Yeah, guests were like animals 0:07:00.600 --> 0:07:03.920 do not belong to No, no animals is I was like, Daddy, 0:07:04.839 --> 0:07:07.720 it's cold, So if you weren't here, what would she do? 0:07:07.960 --> 0:07:10.160 She was figured out, like daddy exactly. 0:07:13.720 --> 0:07:16.080 Any new exciting things coming up? 0:07:16.640 --> 0:07:20.000 Oh man, not really. We aren't taking any. I don't 0:07:20.000 --> 0:07:22.320 even want to go there. It's very sad. No trips 0:07:22.360 --> 0:07:24.600 for this no trips for this quarter of my life. 0:07:24.600 --> 0:07:26.800 But I am planning this is I decided this is 0:07:26.800 --> 0:07:28.440 the last year when I'm not the I'm like the 0:07:28.440 --> 0:07:31.840 only person not traveling in August. I'm just sitting at 0:07:31.880 --> 0:07:35.920 work getting everybody's out of office bouncebacks. So I'm only 0:07:35.920 --> 0:07:37.400 going to get my life together and plan a trip 0:07:37.440 --> 0:07:40.120 for August. Yeah, but I'm gonna see my dad in 0:07:40.160 --> 0:07:43.240 April and see my mom in April. So I'm I am, 0:07:43.280 --> 0:07:45.120 you know, putting my family first. 0:07:45.400 --> 0:07:49.000 Well that's good. I'm taking two weeks. I mean, I'm 0:07:49.000 --> 0:07:51.560 not gonna like travel travel necessarily, although I am interested 0:07:51.560 --> 0:07:53.200 in maybe doing like a road trip somewhere. I feel 0:07:53.200 --> 0:07:55.320 like I've always wanted to go to like Rhode Island, 0:07:55.560 --> 0:07:57.240 even though I feel like Superman is going to be 0:07:57.280 --> 0:07:59.640 like Rhode Island. I don't know. I want to see 0:07:59.720 --> 0:08:01.400 like some beautiful houses, don't they have to. 0:08:02.600 --> 0:08:04.360 I mean growing pains. 0:08:05.320 --> 0:08:08.480 I don't know. I want to do like a road 0:08:08.520 --> 0:08:14.000 trip somewhere, but I want to, you know, someplace where 0:08:14.040 --> 0:08:16.160 it's like not too far, you know what. I don't 0:08:16.160 --> 0:08:17.360 even know if I want to do a road trip 0:08:17.360 --> 0:08:20.520 because I forgot. Superman can't even drive long distances ever 0:08:20.560 --> 0:08:23.760 since his annuins and surgery. It's like he's not able 0:08:23.800 --> 0:08:26.000 to drive long distances. So that means it's all me, 0:08:26.720 --> 0:08:28.960 I know, which sucks because he used to love driving 0:08:29.000 --> 0:08:32.200 and I don't like driving. So now I'm the designated driver, 0:08:32.360 --> 0:08:35.600 always there and back. He's like, scity, babe, I'll just 0:08:35.600 --> 0:08:38.480 stay awake. Here's the thing about me. If you're driving 0:08:38.520 --> 0:08:40.319 and I'm the passenger, I'm not staying awake. 0:08:40.840 --> 0:08:44.400 Yeah, I can't do it. My husband just like pinches 0:08:44.440 --> 0:08:46.280 me until I wake up, and like that's just not fair. 0:08:47.080 --> 0:08:48.360 Why can't I enjoy life? 0:08:49.800 --> 0:08:54.079 I'm the worst. I'm like, I'm sorry, but like god forbid, 0:08:54.240 --> 0:08:56.160 you are driving with me. I'm like, you better not 0:08:56.200 --> 0:08:59.040 close your eyes. You keep me, you keep me company. 0:09:00.480 --> 0:09:02.040 But yeah, so I'm hoping maybe we'll do like a 0:09:02.040 --> 0:09:04.120 little So I'm gonna take the first two weeks off 0:09:04.120 --> 0:09:06.360 in April just because just and when I mean off, 0:09:06.440 --> 0:09:09.559 just like no work, just wusaw. You know, the house 0:09:09.679 --> 0:09:12.559 is just about finish. We're like literally like tile and 0:09:12.640 --> 0:09:15.760 were finishing the floor and like painting, so like any 0:09:15.920 --> 0:09:18.680 any week now we'll be finally done. So I'll just 0:09:18.679 --> 0:09:21.559 spend time bugging the contractors in there, like to the left, 0:09:21.840 --> 0:09:23.480 to the right, ordering. 0:09:23.559 --> 0:09:26.520 Any Renoult pictures. Where are you chronicling this experience? 0:09:27.160 --> 0:09:29.800 Yeah, I just stopped because I was like it was 0:09:29.960 --> 0:09:32.000 depressing for me because I would always be like, this 0:09:32.120 --> 0:09:34.599 is the week, this is not the week. So I'm like, 0:09:34.679 --> 0:09:38.160 at the end you wanted the ugly truth, I'll do 0:09:38.200 --> 0:09:41.080 the big reveal at the end. Okay, So I've been 0:09:41.080 --> 0:09:43.880 taking I haven't like obviously you know, we've been taking pictures. 0:09:43.920 --> 0:09:46.679 But and honestly, it like the other day I thought 0:09:46.760 --> 0:09:48.800 Superman was gonna cry because he was like, this is 0:09:49.160 --> 0:09:51.400 even better than my wildest dreams. And I'm not gonna 0:09:51.440 --> 0:09:53.800 lie now that the like tile has. 0:09:53.679 --> 0:09:58.959 Gone in me too, I'm like, wow, my my designer Rihanna, 0:09:59.520 --> 0:10:01.560 she and her so like I said, they're like a 0:10:01.640 --> 0:10:05.440 chip and Joanna husband wife designed to have a construction 0:10:05.559 --> 0:10:09.920 team and her her husband's name is Jermaine and so 0:10:09.920 --> 0:10:11.280 they have a company called Remain. 0:10:11.480 --> 0:10:14.080 Isn't that cute? Remain r E m A I N 0:10:14.480 --> 0:10:18.480 Remain Homes. And so sometimes Rihanna would be like, you know, 0:10:18.679 --> 0:10:21.760 because I'm really conservative in like my design choices, She's like, 0:10:21.800 --> 0:10:24.240 well why not look at this? So why not try this? 0:10:24.320 --> 0:10:25.959 And what about this? Siviy And I'd be like no, 0:10:26.240 --> 0:10:28.840 But now that everything's getting put in, I'm like, oh 0:10:28.960 --> 0:10:32.360 my goodness, it looks amazeball. So I'm not even gonna lie, 0:10:32.360 --> 0:10:34.559 like I can't believe this is going to be our house. 0:10:34.840 --> 0:10:38.000 I feel like the best advice I got from someone 0:10:38.080 --> 0:10:40.880 was from my business partner, Jabro. He said, Tiffany, when 0:10:40.880 --> 0:10:43.520 I first started, like, you know, doing the renovations, he said, 0:10:44.040 --> 0:10:47.440 do not budget needs to the house. And I was like, 0:10:47.520 --> 0:10:50.360 and I know what he meant. He was like, basically, 0:10:50.480 --> 0:10:54.040 I'm someone who does I take the layed gratification too 0:10:54.120 --> 0:10:56.679 far and I'm always like the next time, the next one, 0:10:56.720 --> 0:10:58.800 the next one. And so he was like, you know, 0:10:58.960 --> 0:11:02.200 you work really hard. You deserve to have a beautiful 0:11:02.200 --> 0:11:04.920 place to live and stay, and you know, like and 0:11:04.960 --> 0:11:06.480 you spend a lot of time at home because you 0:11:06.480 --> 0:11:08.560 work from home. So just like, get the things that 0:11:08.640 --> 0:11:10.280 you want. I mean obviously you know, don't put yourself 0:11:10.320 --> 0:11:12.880 in financial harms way, but get the things that you want. 0:11:13.240 --> 0:11:15.320 And so I listen to that, and I'm so happy 0:11:15.360 --> 0:11:16.920 because I really don't think we're going to be moving 0:11:16.960 --> 0:11:17.560 anytime soon. 0:11:18.920 --> 0:11:21.240 Yeah, I mean, and you also think about what you 0:11:21.280 --> 0:11:23.200 want to come home to, yeah, and what will make 0:11:23.240 --> 0:11:25.480 you feel relaxed, and yeah, I had the same kind 0:11:25.480 --> 0:11:29.079 of conversations with my husband about really investing in the 0:11:29.120 --> 0:11:31.120 spaces that were most important and where we spent most 0:11:31.160 --> 0:11:34.480 of our time so that we could really, yeah, just 0:11:34.480 --> 0:11:36.319 be happy and feel like if you're living in the 0:11:36.360 --> 0:11:38.200 house for ten years or whatever, that it's a place 0:11:38.240 --> 0:11:40.160 that you want to come home to. And at a 0:11:40.200 --> 0:11:42.680 certain point forgetting about like a little bit about the 0:11:42.720 --> 0:11:45.319 resale value and will you recoup the investment. No, you're 0:11:45.320 --> 0:11:47.599 not going to recoup everything, but yeah, you know, the 0:11:47.800 --> 0:11:50.600 the investment in your mental health and like your space 0:11:50.640 --> 0:11:51.360 for your family. 0:11:51.760 --> 0:11:52.480 It's exciting. 0:11:52.640 --> 0:11:53.760 I can't wait. It is. 0:11:53.960 --> 0:11:56.440 And also to like you know, it's not like you know, 0:11:56.520 --> 0:11:59.160 I'm not some spend spend a haulic. So it's like tifany, 0:11:59.160 --> 0:12:02.480 it's okay and a little bit of boy, like you know, 0:12:02.559 --> 0:12:05.439 it's okay to get the marble instead of the ceramic 0:12:05.520 --> 0:12:08.240 tile here, it's okay, girl, the extra two hundred dollars, 0:12:08.320 --> 0:12:12.520 it's okay, you know, so exactly, and so yeah, I 0:12:12.520 --> 0:12:14.560 can't wait hot to see it. So when it I 0:12:14.600 --> 0:12:16.400 really feel like and it's going to be like less 0:12:16.400 --> 0:12:18.800 than a month, well it'll the shell will be done. 0:12:18.840 --> 0:12:20.160 Like you know, we won't have all of our furniture 0:12:20.160 --> 0:12:22.480 stuff becuse we're still ordering because most of the stuff, 0:12:22.600 --> 0:12:24.960 most of the furniture that we live with now is 0:12:25.000 --> 0:12:27.280 like my husband's like bachelor furniture, and he's like, what 0:12:27.280 --> 0:12:29.400 about this. I'm like, babe, what part of almost everything 0:12:29.480 --> 0:12:32.840 is staying? Don't you understand? I don't want your bachelor 0:12:32.920 --> 0:12:35.160 furniture and anything that you want to take with us. 0:12:35.320 --> 0:12:36.959 That's what the man cave is for. He's so sick 0:12:37.000 --> 0:12:39.520 of me saying. He's like the man cave, right, I'm like. 0:12:39.520 --> 0:12:43.120 You got it, just put that on the box. 0:12:43.160 --> 0:12:46.480 Exactly, put that in the man cave. And so he's 0:12:46.480 --> 0:12:49.040 excited about his man cave. Boy, He's like, yes, I've 0:12:49.040 --> 0:12:50.959 got to be able to watch the game loud. I'm 0:12:50.960 --> 0:12:53.080 going to be able to have my friends over. So 0:12:53.160 --> 0:12:55.800 our our our compromise was he could do whatever he 0:12:55.840 --> 0:12:58.320 wants in the man cave far as decorations, you know, 0:12:58.360 --> 0:13:00.840 because I don't really particularly care for his sense of 0:13:00.960 --> 0:13:03.160 style and color. And then I get that. I get 0:13:03.160 --> 0:13:05.920 the rest of it, the rest of the house. Even 0:13:05.920 --> 0:13:08.200 though sometimes he's like, ooh, I think we should put 0:13:08.240 --> 0:13:11.079 I'm like, remember the rule. So he does get one 0:13:11.200 --> 0:13:14.920 veto one like absolutely not. I don't want, you know whatever. 0:13:15.240 --> 0:13:17.559 But for the most part, I mean, you know, because 0:13:17.559 --> 0:13:20.720 my husband's like he likes really bold, loud colors in 0:13:20.720 --> 0:13:22.720 the house and I don't. I'm more of a neutral 0:13:23.080 --> 0:13:25.280 and maybe like the furniture or like the pillows be 0:13:25.320 --> 0:13:27.520 a little bit bold, not the wall color, like like 0:13:27.600 --> 0:13:29.640 little we have a burgundy wall in our house, an 0:13:29.720 --> 0:13:33.240 orange wall, a green wall. Let me see what other 0:13:33.280 --> 0:13:36.840 colors we have. Those colors don't go together in our 0:13:36.880 --> 0:13:40.240 in our current apartment, in our oh no, there was 0:13:40.240 --> 0:13:41.880 that that was not happening in the house. I was like, 0:13:42.160 --> 0:13:46.240 absolutely not so like burgundy, orange, green, I mean, when 0:13:46.240 --> 0:13:47.760 I tell you we have so many colors, we have 0:13:47.840 --> 0:13:51.920 some trim that's chocolate brown. Who why? Why? Why? Why 0:13:52.000 --> 0:13:53.760 is there chocolate brown trimp? Why is that even a thing? 0:13:54.240 --> 0:13:56.480 So I told him he's not allowed to crack his 0:13:56.520 --> 0:13:59.720 lips to make any color choices except for in the basement. 0:14:00.120 --> 0:14:02.199 You can go crazy, sun, you can make this place 0:14:02.240 --> 0:14:05.760 as wildly colorful as you like, because no one's coming 0:14:05.760 --> 0:14:07.080 down here. This belongs to you. 0:14:08.000 --> 0:15:18.120 He's like, okay, fine. 0:14:45.440 --> 0:14:47.840 Okay, I've got to I'm trying. I was trying to 0:14:47.880 --> 0:14:50.920 find a way to segue to the to the headline 0:14:50.920 --> 0:14:53.440 for the show today, which is auto loane debt, but 0:14:53.520 --> 0:14:56.240 I didn't achieve it. So we're just gonna jump right in, 0:14:56.520 --> 0:14:59.600 yay auto loan debt. So this is something that over 0:14:59.640 --> 0:15:02.520 the years we've covered, I've always covered like auto loan debt. 0:15:02.560 --> 0:15:05.080 You know, auto loan debt has been rising. And what 0:15:05.120 --> 0:15:07.400 you hear when people say, you know, are we reaching 0:15:07.440 --> 0:15:10.920 crisis status with auto loans debt in America? Is it 0:15:10.960 --> 0:15:14.920 as bad as the subprime mortgage crisis, you know that 0:15:15.160 --> 0:15:17.800 precipitated the recession. Is it as bad as a student 0:15:17.840 --> 0:15:19.680 loan debt crisis? And the answer has always been no, 0:15:20.360 --> 0:15:23.120 you know, because delinquency rates for auto loans haven't always 0:15:23.160 --> 0:15:27.120 been that bad. And the reason is, and the reason 0:15:27.120 --> 0:15:30.200 people's experts will say, is because people need their cars, 0:15:30.440 --> 0:15:32.640 like they're always going to pay their car note, because 0:15:32.640 --> 0:15:34.720 they needed to get to and from their actual job. 0:15:35.520 --> 0:15:37.520 So it's one of these things that while debt has 0:15:37.560 --> 0:15:39.960 been increasing, people haven't been as worried because it hasn't 0:15:40.000 --> 0:15:44.720 become this whole source of delinquency. But I find auto 0:15:44.760 --> 0:15:46.680 loan debt in America, the numbers that we have in 0:15:46.720 --> 0:15:49.440 our most recent Lending Tree analysis of auto loan debt 0:15:49.520 --> 0:15:52.280 just really just caught me off guard, and I wanted 0:15:52.320 --> 0:15:54.800 to spend some time talking about auto loan debt and 0:15:54.920 --> 0:15:57.160 about the car culture that we have in this country, 0:15:57.480 --> 0:16:01.120 and how I genuinely feel like if people treated, if 0:16:01.160 --> 0:16:04.040 people were less willing to take on so much debt 0:16:04.040 --> 0:16:07.640 for their cars, they could so much easier achieve other 0:16:07.720 --> 0:16:10.080 financial goals that they have in life, Like how you 0:16:10.160 --> 0:16:12.280 read those studies all the time that say that Americans 0:16:12.320 --> 0:16:15.280 can't scrounge up four hundred dollars for an emergency, Well, 0:16:15.320 --> 0:16:18.680 the average auto loan in America, the average car note 0:16:18.680 --> 0:16:20.760 in America, it's over five hundred dollars. 0:16:21.080 --> 0:16:23.240 I'm not sure. I remember I told you that story 0:16:23.240 --> 0:16:26.000 about Superman had a nine hundred dollars car note when 0:16:26.000 --> 0:16:30.920 I met him, remember, and I met it was that much. Yeah, 0:16:31.040 --> 0:16:35.120 and then that didn't include insurance. And I was like, 0:16:35.160 --> 0:16:37.440 so this is this is your house you live, this 0:16:37.520 --> 0:16:39.640 is a mortgage and you live in his house. And 0:16:40.120 --> 0:16:43.160 his excuse was because he worked for the City of 0:16:43.200 --> 0:16:46.920 Newark the site that he lived on, because he was 0:16:46.960 --> 0:16:50.000 like on call, he didn't have to he didn't have 0:16:50.000 --> 0:16:52.440 to pay rent. So he was like, I can splurge 0:16:52.480 --> 0:16:54.960 on my car because I'm not paying rent. And I 0:16:55.040 --> 0:16:57.240 was like, so what happens one day if they're like psych, 0:16:57.640 --> 0:16:59.760 you know, we're going to eliminate the own call pard 0:17:00.280 --> 0:17:02.320 and asked you to pay rent. And he was like well, 0:17:02.400 --> 0:17:04.560 and I was like really adamant about it. And so 0:17:04.600 --> 0:17:08.040 he actually had to surrender his car back because I'm like, 0:17:08.040 --> 0:17:10.080 it's just too high. It doesn't make sense. It's too high. 0:17:10.200 --> 0:17:12.040 He had a denialatege one of those big trucks, you know, 0:17:12.840 --> 0:17:15.000 or whatever the current year was, and so he did, 0:17:15.840 --> 0:17:18.160 and sure enough, two months later after he did that 0:17:18.720 --> 0:17:21.439 he they took away that part of his position and 0:17:21.480 --> 0:17:23.520 he had to pay rent. And he was like, and 0:17:23.560 --> 0:17:24.840 you know, I didn't want to say I told you so, 0:17:24.880 --> 0:17:28.679 but I said, I told you, But I just remember, 0:17:28.760 --> 0:17:31.080 I'm not gonna lie, you know, Mandy. Up until that, 0:17:31.160 --> 0:17:34.000 I didn't even know car loans could get as high 0:17:34.000 --> 0:17:35.919 as nine hundred dollars and I couldn't. 0:17:36.119 --> 0:17:38.200 That's like a mortgage payment. That's crazy. 0:17:38.240 --> 0:17:41.439 It's like it is a mortgage payment. I didn't. I'm like, 0:17:41.600 --> 0:17:46.040 how does a salesperson and good conscience tell you they. 0:17:45.840 --> 0:17:47.600 Don't have a conscience. That's not part of their job. 0:17:47.840 --> 0:17:49.680 They when you walk into the dealership, and this is 0:17:49.720 --> 0:17:51.240 a mistake so many people and we'll get into the 0:17:51.320 --> 0:17:53.000 numbers in a minute, but the mistakes so many people 0:17:53.000 --> 0:17:55.080 make when they walk into the dealership is they go 0:17:55.119 --> 0:17:57.000 in with the kind of car that they want, and 0:17:57.080 --> 0:17:59.359 all they want they want the dealer to tell them 0:17:59.400 --> 0:18:01.840 they can have it. And the dealer is more than 0:18:01.880 --> 0:18:04.760 happy to pull strings behind the scenes, getting you all 0:18:04.840 --> 0:18:07.760 kinds of financing from their lender partners to make that happen. 0:18:07.840 --> 0:18:11.119 Because of course, dealers get a kickback from the lenders 0:18:11.119 --> 0:18:14.199 in their network in the financing office for selling you 0:18:14.240 --> 0:18:16.439 the biggest loan possible. They get a percentage of that, 0:18:16.520 --> 0:18:18.440 so of course they're going to want to get you approved. 0:18:19.040 --> 0:18:21.639 But let's let's talk a little bit about like the 0:18:21.720 --> 0:18:23.760