WEBVTT - Should You Dip Into Retirement To Cover Debt?

0:00:06.160 --> 0:00:09.920
<v Speaker 1>It's time for the b a q a a to

0:00:10.039 --> 0:00:12.800
<v Speaker 1>b a q a. Woild you say the b a

0:00:13.240 --> 0:00:17.720
<v Speaker 1>q eight with mandad be a q to be a

0:00:17.880 --> 0:00:21.439
<v Speaker 1>qa A. Hey, manra, how you doing?

0:00:22.320 --> 0:00:25.600
<v Speaker 2>I'm doing amazing. I'm here to be a passenger princess

0:00:25.640 --> 0:00:27.560
<v Speaker 2>from todays y a q a.

0:00:28.440 --> 0:00:30.840
<v Speaker 1>You know, you know every Friday we do be a

0:00:30.920 --> 0:00:34.239
<v Speaker 1>q a where we answer your question. But the caveat

0:00:34.360 --> 0:00:38.440
<v Speaker 1>is we're not your lawyer, your doctor, your financial advisor,

0:00:38.680 --> 0:00:43.120
<v Speaker 1>which is two really cute brown internet cousins who know

0:00:43.159 --> 0:00:46.040
<v Speaker 1>a thing up to about money, career, entrepreneurship and beyond.

0:00:46.280 --> 0:00:48.839
<v Speaker 1>But you are going to take this advice for the

0:00:48.960 --> 0:00:51.560
<v Speaker 1>entertainment value it's made for and the smallest grain of salt.

0:00:51.920 --> 0:00:54.040
<v Speaker 1>And if you feel like suing someone, look in the

0:00:54.080 --> 0:01:00.240
<v Speaker 1>mirror and pick yourself. Okay, all right, man, we have

0:01:00.240 --> 0:01:02.960
<v Speaker 1>a question. Oh if they want to ask questions, maybe

0:01:02.960 --> 0:01:04.479
<v Speaker 1>where can they ask them? Oh?

0:01:04.600 --> 0:01:07.480
<v Speaker 2>Slid into our DMS. We're at Brand Ambisson Podcast on ig.

0:01:07.760 --> 0:01:11.400
<v Speaker 2>You can also email us Brandabission Podcast at gmail dot com,

0:01:11.640 --> 0:01:15.080
<v Speaker 2>com 'or head on over to our website, the hub

0:01:15.080 --> 0:01:17.320
<v Speaker 2>of Hubs Brandnambispodcast dot com.

0:01:17.640 --> 0:01:17.959
<v Speaker 1>Good.

0:01:18.360 --> 0:01:21.640
<v Speaker 2>Okay, we have a question today Miss Tiffany from Tara

0:01:21.760 --> 0:01:25.399
<v Speaker 2>on Instagram, who says I'm currently in over my head

0:01:25.920 --> 0:01:28.920
<v Speaker 2>making less than what I owe. I'm in the corner

0:01:28.959 --> 0:01:31.480
<v Speaker 2>now to where I am a pinky link away from

0:01:31.520 --> 0:01:35.040
<v Speaker 2>pulling from my TSP. I currently have twenty three thousand

0:01:35.080 --> 0:01:37.800
<v Speaker 2>dollars and I'm thinking of pulling ten thousand dollars to

0:01:37.840 --> 0:01:40.800
<v Speaker 2>cover some debt. It's the only solution I can think

0:01:40.840 --> 0:01:43.720
<v Speaker 2>of that will help. I hope to input ten percent

0:01:43.840 --> 0:01:46.920
<v Speaker 2>or more back into my TSP once I am backstable.

0:01:47.480 --> 0:01:49.920
<v Speaker 2>Is this a bad decision that will hurt me in

0:01:50.040 --> 0:01:50.760
<v Speaker 2>the long run?

0:01:53.080 --> 0:01:55.560
<v Speaker 1>I know, because you're just for one, Tara. I want

0:01:55.600 --> 0:01:59.520
<v Speaker 1>you to just because that back against the wall feeling

0:01:59.720 --> 0:02:01.120
<v Speaker 1>is really a terrible feeling.

0:02:01.600 --> 0:02:03.480
<v Speaker 2>And I can say to know very well we both

0:02:03.520 --> 0:02:04.640
<v Speaker 2>do we have Girl.

0:02:04.440 --> 0:02:05.880
<v Speaker 1>You know I took all my money on my with

0:02:05.920 --> 0:02:09.440
<v Speaker 1>harmit well one, I had not really heard of TSP before,

0:02:09.480 --> 0:02:11.320
<v Speaker 1>And you're like, girl, know what that is? To keep

0:02:11.360 --> 0:02:12.640
<v Speaker 1>tell the people what the TSP is.

0:02:13.639 --> 0:02:16.760
<v Speaker 2>Yeah, TSP thrift savings plan because my husband has one.

0:02:17.360 --> 0:02:20.280
<v Speaker 2>So if you're a federal employee, you have a thrift

0:02:20.280 --> 0:02:22.120
<v Speaker 2>savings plan which is your basically it's a four oh

0:02:22.120 --> 0:02:25.000
<v Speaker 2>one K. So you choose what your investments are and

0:02:25.040 --> 0:02:28.200
<v Speaker 2>then how much of your paycheck gets deposited into the TSP,

0:02:28.800 --> 0:02:31.079
<v Speaker 2>and if you're lucky, you get some kind of I

0:02:31.080 --> 0:02:33.160
<v Speaker 2>think the pension is also kind of run through there,

0:02:33.280 --> 0:02:35.360
<v Speaker 2>like the potential pension that you can get paid out later,

0:02:35.880 --> 0:02:38.519
<v Speaker 2>but it operates very closely to like a four to

0:02:38.600 --> 0:02:42.120
<v Speaker 2>one K. And I remember back when we were renovating

0:02:42.160 --> 0:02:45.160
<v Speaker 2>the house, my husband did do a loan. I'm wondering

0:02:45.200 --> 0:02:47.800
<v Speaker 2>if she's talking about a loan or withdrawal, okay, because

0:02:47.800 --> 0:02:51.440
<v Speaker 2>those are different and the implications for the impact to

0:02:51.480 --> 0:02:54.480
<v Speaker 2>you are different. Yes, So where to begin?

0:02:55.160 --> 0:03:01.000
<v Speaker 1>So I'll certificate, like one, ideally, taking money out of

0:03:01.040 --> 0:03:04.080
<v Speaker 1>your any sort of retirement plan is not the idea.

0:03:05.080 --> 0:03:07.639
<v Speaker 1>You know only because it is your younger self job

0:03:07.680 --> 0:03:10.040
<v Speaker 1>to look after your older self, and God willing, we

0:03:10.080 --> 0:03:12.480
<v Speaker 1>all get older and you want to make sure that

0:03:12.560 --> 0:03:15.600
<v Speaker 1>your older self has access to income because it's not

0:03:15.720 --> 0:03:18.639
<v Speaker 1>likely that you'd be able to support yourself, So you're

0:03:18.720 --> 0:03:21.040
<v Speaker 1>kind of like supporting yourself for yourself now, but also

0:03:21.120 --> 0:03:23.959
<v Speaker 1>for yourself older. So all that said, I'm not judging

0:03:23.960 --> 0:03:26.920
<v Speaker 1>because child, when the rubber hit the road, your girl

0:03:26.919 --> 0:03:29.359
<v Speaker 1>went to her four H three B. That's the four

0:03:29.400 --> 0:03:32.639
<v Speaker 1>to one K for anybody who works for like nonprofits

0:03:32.639 --> 0:03:35.000
<v Speaker 1>and stuff. I went straight. I had thirty thousand dollars

0:03:35.000 --> 0:03:38.200
<v Speaker 1>in there. I took every stitch out, you know, because

0:03:39.280 --> 0:03:40.880
<v Speaker 1>that's why I thought my back was against the wall.

0:03:40.920 --> 0:03:42.560
<v Speaker 1>So I'm telling you from a place of been there,

0:03:42.640 --> 0:03:44.720
<v Speaker 1>done that, kind of wish I hadn't, but I didn't

0:03:44.720 --> 0:03:47.600
<v Speaker 1>feel like I had a choice. So one, I want

0:03:47.640 --> 0:03:50.960
<v Speaker 1>to make sure that, Like doctor Green, my therapist would say,

0:03:51.440 --> 0:03:54.800
<v Speaker 1>is it true? Is it the only truth available? So

0:03:54.920 --> 0:03:57.040
<v Speaker 1>let's explore is it true? Is it true that, yes,

0:03:57.080 --> 0:03:59.720
<v Speaker 1>your back is kind of against the wall, you're struggling financially.

0:03:59.800 --> 0:04:01.839
<v Speaker 1>It's sounds like, I mean, who would know better this

0:04:01.920 --> 0:04:06.040
<v Speaker 1>is true? Is it the only truth available? Is taking

0:04:06.080 --> 0:04:09.640
<v Speaker 1>money out of this TSP the only way? Maybe not?

0:04:09.920 --> 0:04:12.480
<v Speaker 1>I would ask to yourself, like have you look in

0:04:12.520 --> 0:04:14.200
<v Speaker 1>I don't know if you have a mortgage or rent

0:04:14.600 --> 0:04:17.040
<v Speaker 1>Like one of my sisters was just telling me about

0:04:17.040 --> 0:04:20.160
<v Speaker 1>this rental assistant program that she had signed up for

0:04:20.480 --> 0:04:22.720
<v Speaker 1>in not me telling her business or whatever we're here now,

0:04:23.160 --> 0:04:25.200
<v Speaker 1>that she had signed up for during the pandemic, and

0:04:25.200 --> 0:04:26.880
<v Speaker 1>they hit her back and said, girl, you want us

0:04:26.880 --> 0:04:28.279
<v Speaker 1>to make your rent for the next two or three months.

0:04:28.400 --> 0:04:30.920
<v Speaker 1>She was like, I mean, if you want. So there

0:04:31.000 --> 0:04:34.159
<v Speaker 1>was like, you know and so that program because you know,

0:04:34.200 --> 0:04:36.760
<v Speaker 1>so many people were out of work because of COVID

0:04:36.839 --> 0:04:40.039
<v Speaker 1>and she was one of them. So there are have

0:04:40.200 --> 0:04:44.200
<v Speaker 1>you explored rental or mortgage assistance programs. There's a great

0:04:44.279 --> 0:04:48.160
<v Speaker 1>organization called not Knack Up? Oh? What is it called

0:04:48.720 --> 0:04:51.280
<v Speaker 1>the NFC let me, don't give me the lion.

0:04:51.760 --> 0:04:54.520
<v Speaker 2>N fcn FCC.

0:04:54.640 --> 0:05:00.400
<v Speaker 1>Yes, CC dot org g. It's a nonprofit that helps

0:05:00.440 --> 0:05:02.719
<v Speaker 1>with I think it's like the National Foundation of Credit

0:05:02.760 --> 0:05:08.599
<v Speaker 1>Counseling and so they are a national foundation, Yeah, credit counseling.

0:05:08.720 --> 0:05:11.640
<v Speaker 1>What I like about it is that you can get

0:05:12.000 --> 0:05:14.960
<v Speaker 1>connected with a credit counselor. That's probably my best bet,

0:05:15.240 --> 0:05:19.240
<v Speaker 1>best bet certified. They have over twelve hundred certified credit counselors.

0:05:19.520 --> 0:05:21.920
<v Speaker 1>They served thirty five million people since two thousand and six.

0:05:22.360 --> 0:05:26.359
<v Speaker 1>They're trusted and their nonprofit and they will find someone

0:05:26.400 --> 0:05:29.480
<v Speaker 1>in your area. And I believe counseling is on a

0:05:29.520 --> 0:05:31.920
<v Speaker 1>sliding scale, meaning you could pay as little as zero

0:05:32.000 --> 0:05:35.040
<v Speaker 1>dollars and upwards. They just have a bunch of partners

0:05:35.040 --> 0:05:37.600
<v Speaker 1>and resources. So I would reach there for someone to

0:05:37.680 --> 0:05:40.000
<v Speaker 1>kind of look at my finances to say are there

0:05:40.040 --> 0:05:43.760
<v Speaker 1>other ways? Have you reached out to your creditors to say, hey,

0:05:43.839 --> 0:05:45.960
<v Speaker 1>I'm having a hard time. Is there a way to

0:05:46.080 --> 0:05:51.719
<v Speaker 1>lower my monthly expenses? Here? And then, last, but not least,

0:05:51.880 --> 0:05:57.520
<v Speaker 1>there is a great website called find help. I just

0:05:57.560 --> 0:06:00.440
<v Speaker 1>found it. Wow, that's fine, I just found it. It's

0:06:00.440 --> 0:06:06.239
<v Speaker 1>called findhelp dot dot org. So you can find free

0:06:06.400 --> 0:06:11.400
<v Speaker 1>or reduced cost resources like food, housing, financial assistance, healthcare,

0:06:11.440 --> 0:06:14.320
<v Speaker 1>and more. If you go to find help dot org,

0:06:14.920 --> 0:06:18.799
<v Speaker 1>you put in your zip code and it will literally

0:06:18.880 --> 0:06:23.280
<v Speaker 1>help you to find whatever assistance that you might need.

0:06:23.480 --> 0:06:26.839
<v Speaker 1>So I would exhaust those things first, because even if

0:06:26.880 --> 0:06:28.480
<v Speaker 1>you take the money out and you put it in

0:06:28.880 --> 0:06:31.159
<v Speaker 1>there is right now the market is on fire. I

0:06:31.160 --> 0:06:33.000
<v Speaker 1>don't know how you have your money invested this year.

0:06:33.040 --> 0:06:34.880
<v Speaker 1>The market is on fire. You're going to miss out

0:06:34.880 --> 0:06:37.599
<v Speaker 1>on that growth that your older self might need later.

0:06:37.880 --> 0:06:41.919
<v Speaker 1>So I would start with the NFCC dot org to

0:06:41.960 --> 0:06:44.080
<v Speaker 1>get a credit counselor to look at my finances to

0:06:44.120 --> 0:06:46.400
<v Speaker 1>see what I can do. They will help walk you through,

0:06:46.480 --> 0:06:48.360
<v Speaker 1>like you know, talking to debt collectors and things like that.

0:06:48.560 --> 0:06:50.520
<v Speaker 1>And if you're really in dire strates as far as

0:06:50.520 --> 0:06:53.200
<v Speaker 1>like yourself personally, I would go to find help dot

0:06:53.320 --> 0:06:56.200
<v Speaker 1>org to see what other assistance is available to me.

0:06:56.520 --> 0:06:59.040
<v Speaker 1>And if your back is super duper duper against the wall,

0:06:59.360 --> 0:07:01.880
<v Speaker 1>then yes, you have the option to take the money

0:07:01.920 --> 0:07:05.240
<v Speaker 1>out of your retirement account. I just want that to

0:07:05.279 --> 0:07:07.480
<v Speaker 1>be the last option because it's not the only truth

0:07:07.520 --> 0:07:08.560
<v Speaker 1>available just yet.

0:07:11.720 --> 0:07:14.800
<v Speaker 2>I want to add also, that's about half of your

0:07:15.280 --> 0:07:17.960
<v Speaker 2>you know your balance right now, ten thousand of twenty

0:07:18.000 --> 0:07:23.120
<v Speaker 2>three thousand. And if it's a traditional I keep wanting

0:07:23.160 --> 0:07:25.360
<v Speaker 2>to say four to one k. But if it's traditional

0:07:25.440 --> 0:07:27.960
<v Speaker 2>versus a ROTH, then you'll have to pay taxes on

0:07:28.000 --> 0:07:31.480
<v Speaker 2>what you withdraw. So the ten thousand dollars could end

0:07:31.560 --> 0:07:33.840
<v Speaker 2>up being like seven eight I don't know how much,

0:07:33.920 --> 0:07:36.360
<v Speaker 2>like what your tax rate would be, which means you

0:07:36.440 --> 0:07:38.800
<v Speaker 2>have to take more than that to cover your taxes.

0:07:38.800 --> 0:07:40.560
<v Speaker 2>So if you want ten thousand dollars, you have to

0:07:40.560 --> 0:07:42.720
<v Speaker 2>like think ahead to how much do I need to

0:07:42.720 --> 0:07:45.760
<v Speaker 2>withdraw so that after taxes I have that ten thousand dollars.

0:07:46.040 --> 0:07:47.760
<v Speaker 2>And if that ten thousand dollars is not going to

0:07:47.800 --> 0:07:51.120
<v Speaker 2>like wipe your slate clean, I would definitely say, like

0:07:51.440 --> 0:07:54.920
<v Speaker 2>just continue, like try to find some options like talk

0:07:54.960 --> 0:07:56.880
<v Speaker 2>to like get a credit counselor get with a credit

0:07:56.920 --> 0:08:00.520
<v Speaker 2>counselor the NFCC is a great bet. But look at

0:08:00.520 --> 0:08:03.080
<v Speaker 2>some ways that you can manage your debt so it's

0:08:03.120 --> 0:08:06.280
<v Speaker 2>a little bit more manageable. Whether it's consolidation, if it's

0:08:06.320 --> 0:08:08.400
<v Speaker 2>credit card, we don't know anything about the types of

0:08:08.400 --> 0:08:10.240
<v Speaker 2>debt that you have. If it's a credit card debt,

0:08:10.240 --> 0:08:12.520
<v Speaker 2>maybe you can qualify for a balanced transfer to get

0:08:12.520 --> 0:08:16.720
<v Speaker 2>yourself some wiggle room. And then from there it's like, okay,

0:08:16.760 --> 0:08:20.720
<v Speaker 2>so what additional sources of income can we add if

0:08:20.760 --> 0:08:24.200
<v Speaker 2>there's any like if there's any potential for more, whether

0:08:24.240 --> 0:08:27.880
<v Speaker 2>it's at work or like additional income from outside of work.

0:08:28.440 --> 0:08:31.040
<v Speaker 2>But I get it, like when you're when your head

0:08:31.080 --> 0:08:32.760
<v Speaker 2>is on fire, you just need a bucket of water.

0:08:32.800 --> 0:08:34.440
<v Speaker 2>You don't have time to think about the what ifs

0:08:34.440 --> 0:08:38.000
<v Speaker 2>and all that. And it's so difficult in a situation

0:08:38.120 --> 0:08:40.160
<v Speaker 2>like that because it's just it's like a ringing in

0:08:40.200 --> 0:08:42.600
<v Speaker 2>your ears. It's so loud, and it's hard to see

0:08:42.640 --> 0:08:43.720
<v Speaker 2>what the options are.

0:08:46.760 --> 0:08:48.640
<v Speaker 1>Somebody, do you think she should work with? Somebody meaning

0:08:48.720 --> 0:08:52.199
<v Speaker 1>like tell like a bestie, a sister, a cousin, because

0:08:52.200 --> 0:08:56.840
<v Speaker 1>sometimes when they can help to see to your point, Mandy,

0:08:56.880 --> 0:08:58.360
<v Speaker 1>we said, your head is on fire, it's like what

0:08:58.360 --> 0:08:59.600
<v Speaker 1>do I do? What I do? And it's like your

0:08:59.600 --> 0:09:02.120
<v Speaker 1>best friend, I could see, well, it's actually not your head.

0:09:02.160 --> 0:09:03.920
<v Speaker 1>It's just a little part of your hair, and I

0:09:03.920 --> 0:09:06.480
<v Speaker 1>can help extinguish it alongside of you. Even that they

0:09:06.480 --> 0:09:09.400
<v Speaker 1>should connect with someone to maybe walk through this process

0:09:09.440 --> 0:09:10.319
<v Speaker 1>with them.

0:09:11.080 --> 0:09:15.040
<v Speaker 2>Yeah, someone that you trust and someone that you're saying, Hey,

0:09:15.320 --> 0:09:17.000
<v Speaker 2>I'm not asking you to fix this for me, but

0:09:17.080 --> 0:09:18.800
<v Speaker 2>I'm just asking for you to help me look at

0:09:18.800 --> 0:09:23.560
<v Speaker 2>this even a therapist. Therapists don't are not obviously they're

0:09:23.559 --> 0:09:26.240
<v Speaker 2>not a financial planner, but there are times in my

0:09:26.320 --> 0:09:29.120
<v Speaker 2>therapy sessions where she's like, what are you worried about? Okay,

0:09:29.120 --> 0:09:31.600
<v Speaker 2>so read me the numbers and I just read them

0:09:31.640 --> 0:09:34.200
<v Speaker 2>and just kind of like saying it out loud can help.

0:09:34.200 --> 0:09:35.680
<v Speaker 2>But that can be Yeah, like you said, a sister

0:09:35.800 --> 0:09:40.000
<v Speaker 2>or a friend, a neighbor, whoever you feel is trustworthy and

0:09:40.120 --> 0:09:42.199
<v Speaker 2>just saying it out loud, and I mean maybe even

0:09:42.200 --> 0:09:45.600
<v Speaker 2>writing this question was a bit therapeutic for you. But

0:09:45.640 --> 0:09:47.720
<v Speaker 2>if you can avoid if I would say, like, it's

0:09:47.720 --> 0:09:49.480
<v Speaker 2>only worth it. I mean at the end of the day,

0:09:49.480 --> 0:09:50.440
<v Speaker 2>will it will you die?

0:09:50.640 --> 0:09:50.720
<v Speaker 1>No?

0:09:51.440 --> 0:09:55.440
<v Speaker 2>Will you have a chance to put more into your TSP? Yes,

0:09:55.480 --> 0:09:57.240
<v Speaker 2>I don't know how old you are, how much time

0:09:57.320 --> 0:09:59.600
<v Speaker 2>you have, but it's not the end of the world.

0:10:00.160 --> 0:10:02.480
<v Speaker 2>But if you don't get to the heart of like

0:10:02.880 --> 0:10:06.960
<v Speaker 2>how you've gotten into this situation and if you're not

0:10:07.200 --> 0:10:10.320
<v Speaker 2>able to wipe out like everything with that ten K

0:10:10.400 --> 0:10:12.960
<v Speaker 2>that you're going to withdraw, like is it worth? The

0:10:13.000 --> 0:10:17.280
<v Speaker 2>cost benefit for me is a little off because there's

0:10:17.320 --> 0:10:19.080
<v Speaker 2>just the potential that it's not going to get you

0:10:19.120 --> 0:10:20.360
<v Speaker 2>out of the hole and you're just going to end

0:10:20.440 --> 0:10:22.640
<v Speaker 2>up in the hole again, like in another It'll buy

0:10:22.640 --> 0:10:24.439
<v Speaker 2>you some time, but it won't actually get to the

0:10:24.520 --> 0:10:26.040
<v Speaker 2>root of helping you.

0:10:26.559 --> 0:10:30.320
<v Speaker 1>The rip got to get to the rip. So, Mandy,

0:10:30.360 --> 0:10:32.640
<v Speaker 1>have you ever gone to find help? It's like really awesome.

0:10:32.720 --> 0:10:34.160
<v Speaker 1>So I'm in here now. I put in my zip

0:10:34.240 --> 0:10:38.160
<v Speaker 1>code it says in Newark, New Jersey. There are two thousand,

0:10:38.320 --> 0:10:41.040
<v Speaker 1>eight hundred and thirty two programs. And the programs are

0:10:41.040 --> 0:10:47.800
<v Speaker 1>broken down by food, housing, goods, transit, health, money care, education, work,

0:10:47.840 --> 0:10:51.000
<v Speaker 1>and legal. And it's amazing. And then when you kind

0:10:51.000 --> 0:10:53.560
<v Speaker 1>of like hover over, it's like you need help paying

0:10:53.600 --> 0:10:55.840
<v Speaker 1>for school. You need preschool help. You need screening and exams.

0:10:55.880 --> 0:10:58.960
<v Speaker 1>You need skills and training. I'm legal. You need medication,

0:10:59.080 --> 0:11:03.960
<v Speaker 1>representation and interpretation. You need adoption post adoption girl for

0:11:04.040 --> 0:11:08.079
<v Speaker 1>adoption and foster care loan. There are thirteen resources here.

0:11:08.160 --> 0:11:13.360
<v Speaker 1>This is a really amazing free site. Find help out this. Yeah,

0:11:13.600 --> 0:11:15.840
<v Speaker 1>like type in like your's IT code, that's what comes

0:11:15.880 --> 0:11:16.760
<v Speaker 1>up at corporation.

0:11:19.160 --> 0:11:22.520
<v Speaker 2>It's like, really already I'm here at two thousand and something. Yeah,

0:11:22.840 --> 0:11:26.880
<v Speaker 2>clothes for work, retirement benefits, yeah, benefits.

0:11:26.360 --> 0:11:29.160
<v Speaker 1>Close for work. I mean, people don't realize what all

0:11:29.280 --> 0:11:31.439
<v Speaker 1>the resource that are out there. Help pay for food,

0:11:31.480 --> 0:11:34.640
<v Speaker 1>you need meals, nutrition education is on here and new

0:11:35.520 --> 0:11:38.760
<v Speaker 1>like help pay for bus passes? Wow, help pay for

0:11:38.760 --> 0:11:40.400
<v Speaker 1>a car, He'll pay for gas?

0:11:41.520 --> 0:11:42.960
<v Speaker 2>Yeah, oh hell yeah.

0:11:43.360 --> 0:11:46.040
<v Speaker 1>Yeah. There's just they have a sober Living thing, substance

0:11:46.040 --> 0:11:49.800
<v Speaker 1>abuse counseling, drug testing, detox And what I love is

0:11:49.800 --> 0:11:53.960
<v Speaker 1>they'll tell you how many like resources. So for drug testing,

0:11:53.960 --> 0:11:58.360
<v Speaker 1>there's seven resources for outpatient treatment, there's forty nine money.

0:11:58.600 --> 0:12:01.520
<v Speaker 1>Help pay for childcare? There teen resources. Help pay for food.

0:12:01.559 --> 0:12:04.840
<v Speaker 1>They're twenty three in Newark. This is just Newark Financial

0:12:04.880 --> 0:12:08.160
<v Speaker 1>aid and loans twenty nine resources supplies for school too,

0:12:08.760 --> 0:12:10.400
<v Speaker 1>So this is pretty amazing.

0:12:11.440 --> 0:12:14.240
<v Speaker 2>And so yeah, I've never heard of that.

0:12:14.559 --> 0:12:17.440
<v Speaker 1>Yeah, I already know who taught me. Instagram taught me.

0:12:19.880 --> 0:12:22.000
<v Speaker 1>This is this guy that I followed. He I heard

0:12:22.000 --> 0:12:24.360
<v Speaker 1>get his name, but he posts like all these kind

0:12:24.360 --> 0:12:26.320
<v Speaker 1>of places where you could find free resources. And I

0:12:26.400 --> 0:12:28.240
<v Speaker 1>was like, oh, fine, help, let me put that in

0:12:28.280 --> 0:12:31.600
<v Speaker 1>my back pocket, because it's just a you know, you

0:12:31.600 --> 0:12:33.280
<v Speaker 1>don't have to be in dire straits, you might just

0:12:33.320 --> 0:12:37.040
<v Speaker 1>want help. And what an awesome like organizational tool for

0:12:37.120 --> 0:12:39.880
<v Speaker 1>wherever you live. And so there are just so many

0:12:39.920 --> 0:12:42.120
<v Speaker 1>resources out there. That's why I said, like, you know,

0:12:43.520 --> 0:12:45.320
<v Speaker 1>like so candidly, I had a hard time moving and

0:12:45.360 --> 0:12:46.920
<v Speaker 1>so like if you're looking at my background, this is

0:12:46.920 --> 0:12:49.280
<v Speaker 1>the first time I'm taping in like my office at

0:12:49.280 --> 0:12:52.600
<v Speaker 1>my at the condo, and I had a really hard time.

0:12:52.679 --> 0:12:54.560
<v Speaker 1>Even though my stuff was here, I was still sleeping

0:12:54.559 --> 0:12:56.840
<v Speaker 1>like on the couch because my bed was here, and

0:12:56.840 --> 0:12:59.280
<v Speaker 1>and like my house, you know, where I was living.

0:12:59.559 --> 0:13:02.920
<v Speaker 1>I just could figure out why. And you know, doctor

0:13:02.960 --> 0:13:05.040
<v Speaker 1>Green reminded me of Tiffany. This is not oh I

0:13:05.040 --> 0:13:07.079
<v Speaker 1>have a new condo. I just I just moved out

0:13:07.080 --> 0:13:09.720
<v Speaker 1>of my parents' house. Isn't it so exciting. She's like,

0:13:09.760 --> 0:13:11.480
<v Speaker 1>you're not moving as a result of that, you don't

0:13:11.480 --> 0:13:15.040
<v Speaker 1>have to pretend like you should be so happy that

0:13:15.080 --> 0:13:17.600
<v Speaker 1>you're leaving this house that you built with Jarell. And

0:13:17.720 --> 0:13:19.400
<v Speaker 1>she said, why don't you ask a friend if they

0:13:19.400 --> 0:13:21.400
<v Speaker 1>could stay over with you? And I kind of felt like,

0:13:22.000 --> 0:13:24.920
<v Speaker 1>I'm not a baby, you know, like I'm grown like girl,

0:13:25.080 --> 0:13:30.199
<v Speaker 1>and she was like that, sometimes we need additional assistants,

0:13:30.800 --> 0:13:34.120
<v Speaker 1>you know, sometimes we need like someone to like stand

0:13:34.120 --> 0:13:36.600
<v Speaker 1>in the gap for us. And so my sister Lisa,

0:13:37.200 --> 0:13:39.600
<v Speaker 1>you know, came. Yesterday was the first Yesterday day before

0:13:39.640 --> 0:13:41.160
<v Speaker 1>Yesterday was the first day I spent the night here.

0:13:41.559 --> 0:13:43.880
<v Speaker 1>And it made all the difference to have someone here,

0:13:44.200 --> 0:13:46.240
<v Speaker 1>because if I was here, honest I was looking around.

0:13:46.920 --> 0:13:48.600
<v Speaker 1>I said, if I was here by myself, I'd be like, eh,

0:13:48.640 --> 0:13:50.680
<v Speaker 1>I'm going back home. I'm going back home and go

0:13:50.679 --> 0:13:53.040
<v Speaker 1>to sleep on a couch because it just felt like

0:13:53.080 --> 0:13:55.360
<v Speaker 1>all too much. But having Lisa here was like having

0:13:55.360 --> 0:13:56.920
<v Speaker 1>a piece of home here in the house with me.

0:13:57.040 --> 0:14:00.480
<v Speaker 1>You know, Lisa is the baby going to stay with

0:14:00.520 --> 0:14:01.800
<v Speaker 1>me for a couple of weeks. And so I kind

0:14:01.840 --> 0:14:05.160
<v Speaker 1>of get like, you know, feeling not so It's not

0:14:05.280 --> 0:14:07.480
<v Speaker 1>the living alone park, because I've lived alone many times.

0:14:07.800 --> 0:14:10.880
<v Speaker 1>It's just more so like the transition that I need

0:14:10.880 --> 0:14:14.080
<v Speaker 1>help with, and so we all need help, you know,

0:14:14.679 --> 0:14:17.920
<v Speaker 1>and asking someone to stand in the gap with you

0:14:18.000 --> 0:14:20.480
<v Speaker 1>sometimes just to witness and bear witness. They don't need

0:14:20.520 --> 0:14:22.760
<v Speaker 1>to solve it, they don't need to whatever, sometimes just

0:14:22.760 --> 0:14:25.280
<v Speaker 1>to hear the numbers, to open that piece of mail,

0:14:25.520 --> 0:14:28.640
<v Speaker 1>you know, to sit with you. And so I just

0:14:28.680 --> 0:14:30.280
<v Speaker 1>wanted to get in the habit of asking for help.

0:14:30.320 --> 0:14:32.480
<v Speaker 1>And I love that this site is here. Maybe you

0:14:32.520 --> 0:14:34.360
<v Speaker 1>ask one of your girlfriends, can you look at the

0:14:34.400 --> 0:14:36.880
<v Speaker 1>site with me, you know, and like, look at what

0:14:37.000 --> 0:14:40.160
<v Speaker 1>resources are available? Can you sit with me when I

0:14:40.160 --> 0:14:43.720
<v Speaker 1>talk to the credit counselor you know, whatever that is.

0:14:43.760 --> 0:14:45.480
<v Speaker 1>I just hope that you guys have at least one

0:14:45.480 --> 0:14:48.400
<v Speaker 1>person in your life that you can reach out to

0:14:48.400 --> 0:14:49.960
<v Speaker 1>to say, like, I don't want to go through this

0:14:49.960 --> 0:14:52.480
<v Speaker 1>by myself, because we're not meant to We're really not.

0:14:52.480 --> 0:14:56.840
<v Speaker 2>Meant to receive that. It may take you a minute

0:14:56.880 --> 0:14:58.560
<v Speaker 2>to like let the what she's saying, what you're saying

0:14:58.600 --> 0:15:01.960
<v Speaker 2>to you, like sink in for the listen, But yeah,

0:15:02.000 --> 0:15:04.360
<v Speaker 2>it's a it's a much needed reminder and something that

0:15:05.160 --> 0:15:08.000
<v Speaker 2>I need to remind myself of we all do all

0:15:08.000 --> 0:15:09.200
<v Speaker 2>the time. Thank you.

0:15:11.560 --> 0:15:13.840
<v Speaker 1>Before we jump off, I wanted to do something fun.

0:15:14.800 --> 0:15:18.280
<v Speaker 1>What if like I would love to like read some

0:15:18.400 --> 0:15:21.840
<v Speaker 1>listener confessions about some of the crazy money choices or

0:15:21.920 --> 0:15:25.280
<v Speaker 1>business choices they made totally anonymous. I would love that,

0:15:25.440 --> 0:15:28.120
<v Speaker 1>you know, like a new little segment, you know, like

0:15:28.200 --> 0:15:31.280
<v Speaker 1>to maybe like test out like just whatever your your

0:15:31.320 --> 0:15:35.800
<v Speaker 1>your b A confessions. It could be like I stole

0:15:35.840 --> 0:15:38.400
<v Speaker 1>toilet toilet tissue, I worked for three years. We're not

0:15:38.400 --> 0:15:41.000
<v Speaker 1>gonna read your name. We're not gonna you know, or

0:15:41.240 --> 0:15:44.320
<v Speaker 1>like child, you know, it could be something serious where

0:15:44.360 --> 0:15:46.440
<v Speaker 1>my husband does not know, you know, I ran up

0:15:46.440 --> 0:15:51.160
<v Speaker 1>the credit card bill at Vegas, or yes, I want

0:15:51.200 --> 0:15:53.320
<v Speaker 1>we want, I want the tea. Maybe we should call

0:15:53.360 --> 0:15:58.480
<v Speaker 1>it b A T so financial t you know, so

0:15:58.560 --> 0:16:00.960
<v Speaker 1>I would just I don't know. I saw someone had

0:16:01.000 --> 0:16:03.280
<v Speaker 1>posted something on like ID where they were reading excepting

0:16:03.320 --> 0:16:05.120
<v Speaker 1>I said, you know what, I would love that because

0:16:05.200 --> 0:16:07.640
<v Speaker 1>to your poor Mandy, sometimes just saying the thing out.

0:16:07.480 --> 0:16:11.720
<v Speaker 2>Loud is like yeah, so honestly send us d m us.

0:16:11.760 --> 0:16:15.520
<v Speaker 1>We'll never read your name, you know, no, and obviously

0:16:15.560 --> 0:16:17.840
<v Speaker 1>you don't want to be like on Tuesday on First

0:16:17.880 --> 0:16:20.400
<v Speaker 1>Street in Georgia on dinner. Like, if we want you

0:16:20.480 --> 0:16:23.040
<v Speaker 1>to keep it bag, just send us some of your

0:16:23.160 --> 0:16:25.080
<v Speaker 1>te that you need to get off your chest and

0:16:25.080 --> 0:16:27.400
<v Speaker 1>we will read it. And we won't We're not gonna

0:16:27.440 --> 0:16:30.120
<v Speaker 1>offer advice. We're just here to read it and key

0:16:30.200 --> 0:16:31.800
<v Speaker 1>key with you. Like I know you did not steal

0:16:31.840 --> 0:16:33.480
<v Speaker 1>total the tissue from your job for three years girl,

0:16:33.480 --> 0:16:37.320
<v Speaker 1>how much you say you know? Like, so send us

0:16:37.320 --> 0:16:41.120
<v Speaker 1>some dat so we can all key key and giggle

0:16:41.240 --> 0:16:44.480
<v Speaker 1>and help you release. Okay, you know. Sliding our DMS

0:16:44.520 --> 0:16:47.320
<v Speaker 1>go to brannabis and podcast dot com click contact us

0:16:47.520 --> 0:16:49.600
<v Speaker 1>sliding our DMS on ig. Like I said, we will

0:16:49.640 --> 0:16:52.240
<v Speaker 1>never ever ever share your name or anything. And if

0:16:52.280 --> 0:16:53.960
<v Speaker 1>it is just say, this is b A T. This

0:16:54.040 --> 0:16:56.440
<v Speaker 1>is not like A We ask you to send us questions,

0:16:56.440 --> 0:16:58.200
<v Speaker 1>but this is just T. We're going to read it.

0:16:58.200 --> 0:17:00.720
<v Speaker 1>We're not giving advice. We're just going to read and

0:17:00.760 --> 0:17:02.760
<v Speaker 1>maybe have a little common or two, a little side

0:17:02.760 --> 0:17:04.560
<v Speaker 1>I little, a little giggle, but we're not here. We're

0:17:04.600 --> 0:17:06.480
<v Speaker 1>not giving advice for B A T. It's just some

0:17:06.640 --> 0:17:07.560
<v Speaker 1>fun to add, you know.

0:17:08.680 --> 0:17:12.119
<v Speaker 2>Yeah, I love that. Like we're like a like a priest.

0:17:12.640 --> 0:17:16.080
<v Speaker 1>Yes, we'll have to figure out good name. Maybe it's

0:17:16.119 --> 0:17:18.000
<v Speaker 1>B a T or B A confession. I don't know,

0:17:18.000 --> 0:17:19.399
<v Speaker 1>we're gonna figure out what we're gonna call it.

0:17:19.440 --> 0:17:22.720
<v Speaker 2>But okay, someone's gotta be in charge of remembering that

0:17:22.720 --> 0:17:24.200
<v Speaker 2>you just said this, because.

0:17:24.000 --> 0:17:26.280
<v Speaker 1>You're in between the two of us. It's already forgotten.

0:17:29.480 --> 0:17:32.280
<v Speaker 2>Between two of Somebody write it down.

0:17:32.680 --> 0:17:34.200
<v Speaker 1>I would be like, why don't we have all these

0:17:34.200 --> 0:17:34.840
<v Speaker 1>things in the DM.

0:17:34.880 --> 0:17:40.680
<v Speaker 2>Oh, that's right, these are our confessions. Okay, yeah, we'll try.

0:17:40.760 --> 0:17:42.680
<v Speaker 2>We'll see if you guys never hear about it again,

0:17:42.720 --> 0:17:47.879
<v Speaker 2>then you know, maybe time. It's truly up to y'all.

0:17:48.160 --> 0:17:52.040
<v Speaker 2>If you d ms, we'll remember, okay, when y'all had said.

0:17:52.920 --> 0:17:54.280
<v Speaker 1>What the hell are these? Oh?

0:17:54.359 --> 0:17:58.840
<v Speaker 2>Yeah, it's up to y'all.

0:17:58.840 --> 0:17:59.960
<v Speaker 1>Do you want this to happen or now?

0:18:01.960 --> 0:18:06.560
<v Speaker 2>All right, y'allky Sam, don't forget to leave us a review,

0:18:06.760 --> 0:18:08.520
<v Speaker 2>tele a friend to tell a friend, share the show,

0:18:08.720 --> 0:18:11.240
<v Speaker 2>and we'll see y'all next time. Monday, Wednesday, Friday, three

0:18:11.240 --> 0:18:14.280
<v Speaker 2>times a week. Bye bye,