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Speaker 1: Hey, hey, hey, we're back. We're black, We're brown. Ambisious ambition, ambition, ambition, ambition, Managine,

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Speaker 1: That's why I was a little bit late because I

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Speaker 1: had just taken a shower and I was like, oh,

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Speaker 1: I'm gonna wear when I'm gonna wear, so weave on

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Speaker 1: this shirt.

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Speaker 2: We're free balling, but not ball we're freeing.

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Speaker 1: I have like underwear, but I just have like you know,

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Speaker 1: just like you know what it's hot anyway, So I'm

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Speaker 1: just here with a shirt on.

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Speaker 2: Sin. I love that for you. And I actually have

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Speaker 2: shorts on only because I had to go to my

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Speaker 2: kids school. But the we were just talking about, like

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Speaker 2: the underwear, the leak underwear, which you know was coming

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Speaker 2: out like a few years ago, period underwear, period underwear.

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Speaker 2: But I'm like, for the way that I use it,

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Speaker 2: it's for leaks and squeaks and anything that should you know,

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Speaker 2: just stay a little contained anyway. But like I get

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Speaker 2: the big shorts. Why are we talking about this? You

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Speaker 2: started it and they passed for shorts. I might take

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Speaker 2: the garbage out in those sometimes to the design Thank

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Speaker 2: you whoever invented them, thank you, oh man. Well, I

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Speaker 2: love that we have our our sunshine oranges on today.

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Speaker 2: I love this color orange that I have on with

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Speaker 2: a red lip. I live. It is color combo.

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Speaker 1: So that's orange. It looks yellow, does it?

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Speaker 2: It's like a marigold. It's that really pretty. Do you

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Speaker 2: ever see the specific color marigolds that they use an

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Speaker 2: Indian culture like they always have, like the Maria color.

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Speaker 1: I feel like it's the colors that I'm wearing it. It

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Speaker 1: looks like, well, it could be both.

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Speaker 2: Tiffany Gosh I had a whole point. She's like, some

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Speaker 2: is that the color? We're going to start one of

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Speaker 2: those internet memes where it's like what color is it?

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Speaker 2: Is it orange?

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Speaker 1: Is it yellow?

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Speaker 2: Anyway?

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Speaker 1: I was like, yes, curls come through.

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Speaker 2: Oh thank you. She showered. It's just a little shower.

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Speaker 2: Now I'm gonna have to get goddamn Rihanna's hair care too.

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Speaker 2: Damn it.

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Speaker 1: I know that's a good thing about having locks. I'm

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Speaker 1: not gonna lie. Let's talk about the financials behind locks

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Speaker 1: that in the beginning, it can be quite pricey because

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Speaker 1: as your hair is locking, you have to see your

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Speaker 1: locksiction more often, but as your hair locks, you see

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Speaker 1: them less frequently, and quite honestly, because my hair is locked.

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Speaker 1: It needs way less product even though it's like really long,

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Speaker 1: because the product actually doesn't absorb into the hair because

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Speaker 1: the hair is like, you know, so tightly locked together.

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Speaker 1: So it gets less and less expensive. I mean, my

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Speaker 1: hair is like cost me next to nothing now, but

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Speaker 1: it was a lot of money to get them started.

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Speaker 1: A few hundred dollars, some people even a thousand plus

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Speaker 1: to get them started, or if you want sister locks.

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Speaker 2: You know, as I'm thinking as you're saying that, I'm

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Speaker 2: kind of realizing that I think natural like this, Sorry,

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Speaker 2: all hair this is not Your hair is natural too,

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Speaker 2: but like the what do you call this? I don't

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Speaker 2: know currently, just as it comes out of your head.

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Speaker 2: Hairstyle is like the is the hair version of people

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Speaker 2: who prefer stick shift, you know, Like why would you

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Speaker 2: get a car that's hard to drive, or like an

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Speaker 2: old timey car that you have to, like, I don't know,

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Speaker 2: pull some gizmos and gadgets to get the wipers to

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Speaker 2: go on. Like some people like a hobby, and some

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Speaker 2: people like something that takes a little bit more like

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Speaker 2: time and effort because it's like part of their personality.

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Speaker 2: And I think I do enjoy the manipulation, the creative,

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Speaker 2: the creativity of like the this hair kind of style,

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Speaker 2: like the versatility of it. And but that's the only

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Speaker 2: place in my life where I'm like, if I'm gonna

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Speaker 2: be like my husband when he washes the car. There

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Speaker 2: are when I tell you about product. Don't look at

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Speaker 2: black women, look at the mountain you wash cars. The

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Speaker 2: number of brushes, paint brushes and dust brushes and different rags,

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Speaker 2: special rag washing detergent. Yeah, various buckets. He made a

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Speaker 2: whole custom cart so we can wheel all of his

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Speaker 2: stuff out. It's ridunculous, but that's like his thing, that's

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Speaker 2: his creative.

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Speaker 1: That was my dad. Every weekend he would he would

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Speaker 1: wash his car and it was a very specific process.

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Speaker 1: So yeah, we have our own like you know, but

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Speaker 1: I do say like when I had my fro, it

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Speaker 1: was way more costly as it relates to products, because

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Speaker 1: my fro was thirsty and.

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Speaker 2: So I know it's very expensive. Yeah, yes, oh my.

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Speaker 1: Gosh, cause that hair is like, girl, that's all you got.

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Speaker 1: I need the whole bottle, Yes, you know, I need

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Speaker 1: a whole bottle?

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Speaker 2: What a dime sized portion of what? Girl?

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Speaker 1: The laughter?

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Speaker 2: We chose different paths. Okay, we did. We're gonna jump

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Speaker 2: into brown Buzzworthy because there's some topics in the news

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Speaker 2: that are kind of juicy juice. Should we start with

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Speaker 2: market stuff or start with some fun stuff?

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Speaker 1: Yes, I had seen the market. So one of my

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Speaker 1: favorites named is let me see, I'm going to Better Wallet.

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Speaker 1: What is his name? We had him on the show.

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Speaker 2: Right better while? Oh? Mark?

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Speaker 1: Yeah, yeah, Mark. I was gonna say, is his name

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Speaker 1: Mark us something like that. So anyway, I love following

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Speaker 1: Mark because he like really breaks down like all things market.

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Speaker 2: Oh he is Wait a second, he is going to

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Speaker 2: I'm gonna have to text him and say, listen to

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Speaker 2: the show because he stands for you. And I disappointed

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Speaker 2: him so much when I rolled up to fin Con

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Speaker 2: a couple of years ago by myself and he just

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Speaker 2: told me how much he loved you, and I was like,

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Speaker 2: I'll pass it on. Oh anyway, that's he just had

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Speaker 2: Marcus tell me what you like all about him.

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Speaker 1: Don't give me a trouble. You know, I've got a

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Speaker 1: boot now, not like that, you know what I mean? Anyway,

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Speaker 1: his name is Mark Russell's financial coach. He has an

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Speaker 1: IG account called Better Wallet. But I really like about

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Speaker 1: Marcus that sometimes you like, you know, I'll look at

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Speaker 1: what CNBC and all the girls are saying, but Mark

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Speaker 1: breaks them in such a way that I'm like, oh,

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Speaker 1: is that what they mean? Okay? So anyway, it was

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Speaker 1: really geeked because I saw that he shared, like, you know,

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Speaker 1: like if you had put money in the stock market

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Speaker 1: in the beginning of the year, you'd be up nearly

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Speaker 1: twenty five percent. So I was just like, you know,

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Speaker 1: how many of us have been too afraid to get

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Speaker 1: into the market because obviously that there are ups and

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Speaker 1: they are downs, and there's some years that are terrible

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Speaker 1: and some years that are amazing. But if you have

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Speaker 1: like ten years before you actually need your money, five

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Speaker 1: to ten years before you need your money, especially if

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Speaker 1: you have ten years plus before you need your money,

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Speaker 1: the likelihood that you're going to end on the up

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Speaker 1: is significantly more likely than not. And so I just

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Speaker 1: wanted to say that They're like, you know, the market

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Speaker 1: is marketing and you know what's so strange though, and

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Speaker 1: we talked about this before that externally they say job costs,

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Speaker 1: I mean, jobs are there are so many? The job

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Speaker 1: market looks good, the market is strong, and yet I

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Speaker 1: don't know about you, Mandy, but there is nobody who

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Speaker 1: I know that is feeling good about the economy. Although

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Speaker 1: if you're looking at it from an objective standpoint, the

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Speaker 1: economy is in a better place now more than ever before,

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Speaker 1: when I'll say ever before, But you know, like, and

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Speaker 1: yet that's not how the people are feeling.

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Speaker 2: Yeah, it's such an interesting disconnect. Well, I think this

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Speaker 2: is like very much. It's we've been talking about the

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Speaker 2: theme for the past, like I feel maybe fifteen years

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Speaker 2: and since I studied or started working as a business journalist,

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Speaker 2: has been the squeezing of the middle class. And how

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Speaker 2: you know, the definition of middle class is always changing,

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Speaker 2: but that basically if you're not really really rich, or

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Speaker 2: you're not like you know, so if you're not, it's

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Speaker 2: weird comfortably poor but poor enough or earn little enough

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Speaker 2: to qualify for the resources that we have, like the

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Speaker 2: people in the middle especially those like on the CUSP

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Speaker 2: where it's like technically the irs and the government says

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Speaker 2: that I'm not struggling, so I don't qualify for support,

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Speaker 2: so I got to pay for everything. And the people

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Speaker 2: who are I think benefiting from times like this are

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Speaker 2: people who are in the market, like business savvy people.

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Speaker 2: They tend to not look like us as much as

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Speaker 2: we love BA FAM and I would say the vast

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Speaker 2: majority of you guys are already investing because you're listening

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Speaker 2: to us, So that's a good indication. But the reality

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Speaker 2: is that most people investing and benefiting from these tax

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Speaker 2: breaks that have been in that are going on eight

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Speaker 2: years now, that have been implemented during the Trump years.

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Speaker 2: Like that's who's really profiting and who's doing really well.

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Speaker 2: And plus these businesses that are charging us more under

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Speaker 2: the cloak of inflation and additional labor costs, like that's

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Speaker 2: all trickling down to the majority of people. I think

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Speaker 2: that the question is what are we going to do

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Speaker 2: with our discomfort? Because if we're getting these signs that like, oh,

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Speaker 2: the economy is great and all of that, I would

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Speaker 2: not you have to go off of what your personal

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Speaker 2: economy is, Like you can't. I'm worried about this sense

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Speaker 2: of oh, well, they're saying the economy is good, so yeah,

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Speaker 2: I'll go ahead and you know, get put that on credit.

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Speaker 2: Things will work out next year, yeah, or yeah, maybe

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Speaker 2: I'll you know, maybe I will just stay where I'm

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Speaker 2: at because I should be, you know, confident that I'll

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Speaker 2: get a raise or that you know, some opportunities will

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Speaker 2: come to me, and like you're not thinking strategically about

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Speaker 2: your career or asking for that raise or promotion or

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Speaker 2: whatever it may be. It's always got to come back

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Speaker 2: to what is happening for you personally and what are

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Speaker 2: your goals? And headlines are headlines? Yes, you know, because.

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Speaker 1: At the end of the day, the day will end.

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Speaker 1: So wow, wait, that's very very that's very like that.

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Speaker 1: That's very girl podcast. I just hurt. Yes, I was

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Speaker 1: gonna say.

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Speaker 2: It reminds me that video of you and all the

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Speaker 2: other black Lady influencers be like, at the end of

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Speaker 2: the day, the day is going to end.

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Speaker 1: No, okay, But.

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Speaker 2: When you said the stock markets going up, I went

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Speaker 2: to log into Vanguard, and I love it when it

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Speaker 2: forgets who I am because that's how little I check it,

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Speaker 2: which is exactly what you should be doing. I'm like, oh, Yang,

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Speaker 2: good credit, how you cuter? I don't know. I don't

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Speaker 2: know my password right now. I just I'll find out later.

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Speaker 1: Honestly. I mean, I'm not gonna send my net worth,

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Speaker 1: but I'm not gonna lie. This has been the last

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Speaker 1: two years. I'm like, oh, there's been a definitely, Well.

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Speaker 2: What about the increase? The percentage increase, that's what you

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Speaker 2: can focus on. How much of you give it's.

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Speaker 1: Going to flee. Let me see if he's going to slay.

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Speaker 1: I'm logging in right now because I'm like Mandy.

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Speaker 2: First of all, can we just talk about how terrible

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Speaker 2: the Vanguard? Uh? I'm sure there's nice people who work there,

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Speaker 2: and hey, y'all got cheap index funds and we love

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Speaker 2: you for that, but like, your face.

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Speaker 1: Is the their interface is the worst. What am I up? Well,

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Speaker 1: I don't know. They say it's up, it's up.

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Speaker 2: Because economic sense.

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Speaker 1: Well I'll say this that I I don't know how

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Speaker 1: to because I'm like, child, let's see what percentage is that?

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Speaker 1: Because I know the number of year to date, Like

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Speaker 1: what it's up?

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Speaker 2: But I'm like, show you the percentage? What am I

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Speaker 2: doing wrong?

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Speaker 1: It is?

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Speaker 2: I'm up twelve percent? That's something?

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Speaker 1: But are you just like what are you invested in?

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Speaker 1: Are you invested across the stork?

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Speaker 2: Okay, oh that's cute. My ire my individual four one k,

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Speaker 2: so my solo four one K is up twenty five

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Speaker 2: point one percent, So I think that is like one

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Speaker 2: hundred percent invested in the stock market.

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Speaker 1: That's what I say, yes, because if you're invested in,

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Speaker 1: because you have to remember that, somebody you might be

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Speaker 1: looking and say, hey, I'm not invested, but it's like no, no, no,

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Speaker 1: no are you. That's just like we're talking about the

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Speaker 1: S and P five hundred, Like if you invested in

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Speaker 1: the overall stock market, but if you have maybe some

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Speaker 1: NA Video whatever that company is called, some apples and

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Speaker 1: this and that, then it's going to look different. If

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Speaker 1: you're just invested in like what the S and P

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Speaker 1: five hundred is currently doing, then you should be up

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Speaker 1: around like you said, like your your four one k

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Speaker 1: about five about which is great. This is why you

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Speaker 1: don't have to necessarily pick individuals. Like that's the thing,

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Speaker 1: right that I think it was like the last one

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Speaker 1: hundred years or so, on average, the stock market has

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Speaker 1: brought back annually on the low end seven to eight percent,

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Speaker 1: on the higher end ten percent, right, And so certain

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Speaker 1: years it's been down, down, down. Let's just say it

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Speaker 1: was down thirty percent, and we know during the recession

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Speaker 1: it was hugely down. But then we have some years

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Speaker 1: where it's tremendously up and so it evens its way

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Speaker 1: out to about eight to ten percent. And the thing

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Speaker 1: is you just have to be in it and not

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Speaker 1: to take your money out when it's down and have

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Speaker 1: those realized losses. But then knowing that if you're needing

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Speaker 1: the money, let's just say you're needing the money to

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Speaker 1: purchase home or car or retirement. The closer you get

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Speaker 1: to that time of needing the money, the more you

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Speaker 1: should kind of excuse yourself from the market because you

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Speaker 1: don't know what year is going to hit and what

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Speaker 1: year is not, you know. And so that's why I

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Speaker 1: like about those target day funds that kind of like

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Speaker 1: rebalance yourself for you. So if you're like my dad

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Speaker 1: is eighty four, so he does not need to be

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Speaker 1: heavily into the market, even though he'd be doing what

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Speaker 1: he want to do, I'm like, he's like, you never know.

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Speaker 1: I'm like, so eighty four, you're living on borrow time.

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Speaker 2: And I'm just joking, not for today's episode, but I

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Speaker 2: want to dive into senior citizens. You get mortgages and

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Speaker 2: like a thirty year mortgage.

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Speaker 1: I want to go to have a Mandy's.

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Speaker 2: But like I get it though, you know, you know

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Speaker 2: you think about that and I hate this word so much. Amortizee.

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Speaker 2: I need to like warm up before I say it.

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Speaker 1: Me Me, me, me, I'm still stuck one pepper.

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Speaker 2: Thirty eight. Amortization. Amorization. Yes, amortorization. So that is what

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Speaker 2: when you when you get a mortgage and you have

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Speaker 2: your mortgage monthly mortgage payments, if you actually look at

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Speaker 2: how much goes to your actual principal payment, like what

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Speaker 2: you versus interest, Yeah, it's like ninety nine point nine

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Speaker 2: percent is interest payments. And I'm like, oh, I get it.

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Speaker 2: That's why they're giving thirty year mortgages to senior citizens, Hi, daddy,

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Speaker 2: because like they're not They're like, oh, we're going to

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Speaker 2: get them while they're still here. And then you're but

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Speaker 2: then you're not actually creating a lot of equity for

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Speaker 2: your your area family unless the market is going crazy.

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Speaker 1: But it's giving fun, fact, right, is giving? Okay, I'm fever.

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Speaker 2: Yeah, capitalism because I was just shocked. I'm like, dad,

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Speaker 2: don't they only want you to get like a fifteen

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Speaker 2: year old? It's terrible all right?

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Speaker 1: Anyway, moving on, state farm agents are small business owners too,

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Speaker 1: so they know how to help you choose personalized policies

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Speaker 1: that fig your needs, like a good neighbor state farm

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Speaker 1: is there? Talk to your local agent today. Moving on

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Speaker 1: to some other shady news. So what do you know

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Speaker 1: about Shean or Sheen, Sheen or she And?

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Speaker 2: You said Sheen? I said she And I know that

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Speaker 2: the girlies love Slash hate Shean and that if you

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Speaker 2: read the news, it's pretty easy to find out that

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Speaker 2: it's horrible for the environment and for people. Yes, but

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Speaker 2: it's fast fashion.

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Speaker 1: Yes, fast fashion. So so as of who is this,

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Speaker 1: I believe this is CNBC and I'm on right, so

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Speaker 1: I'm I'm literally just here today June twenty fourth, fast

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Speaker 1: fashioned giant. She And has confidently filed for a public

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Speaker 1: listing in London. So confidentially, I know because they're trying

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Speaker 1: to be on a low look because they know people

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Speaker 1: will be mad at them. So you like, so An

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Speaker 1: I p O and.

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Speaker 2: And oh initial public offering, girl, I'm like.

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Speaker 1: I was, like I had done. That's basically when they

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Speaker 1: come to market and they say, hey, we're not gonna

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Speaker 1: be a private company anymore. You guys want a piece

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Speaker 1: of the company, and so it's the first time a

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Speaker 1: company kind of like says you can have a piece

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Speaker 1: of us, and that's an initial public offering. And so

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Speaker 1: they applied for one in the United States in November,

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Speaker 1: but there was a lot of pushback because the girls

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Speaker 1: were like, hey, one, you know you there's allegations of

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Speaker 1: forced labor in your supply chain. And two I would

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Speaker 1: think it was because they're also like notoriously known for

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Speaker 1: like just poisoning the environment. And so now they file

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Speaker 1: for one in London. I guess to see, like, well,

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Speaker 1: let's see if we can have the girls buy stocks

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Speaker 1: in US in London town. Just touch down in London Town.

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Speaker 1: We're the hottest in the world right now. Just touch

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Speaker 1: down and remember American book.

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Speaker 2: Oh I know that song, but I don't know what

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Speaker 2: you raise me, take me, That's.

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Speaker 1: What she says. Just touch down in London Town anyway.

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Speaker 1: But yeah, so, so how do you feel about that?

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Speaker 1: Because I feel conflicted? I am, because it's almost like

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Speaker 1: follow me with this weirdest analogy and I'm a good

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Speaker 1: for word. That's analogy. It's like when the girlies will

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Speaker 1: loose balloon release balloons because their loved ones, you know,

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Speaker 1: or graduation or whatever, and then you find out that

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Speaker 1: the balloons land in the ocean, so then you feel bad,

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Speaker 1: and so it's like, okay, so the girlies are like,

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Speaker 1: I want to look cute, but child, the way my

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Speaker 1: budget is budgeting, I need to stick within a tight budget,

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Speaker 1: and so I can give me a two dollars three

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Speaker 1: dollars four dollar piece of shine, okay, but unfortunately that

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Speaker 1: piece of sine is likely going to like lay in

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Speaker 1: a landfill, you know, not be able to be absorbed

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Speaker 1: back into the into nature. And allegedly, you know, they

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Speaker 1: don't treat their people very well, like they they I

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Speaker 1: think I saw it was on Instagram. It was like

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Speaker 1: these machine workers sleeping in the factories. Very reminiscent of

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Speaker 1: like the twenties when people used to work in factories

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Speaker 1: and you know in New York and you know, until

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Speaker 1: they can like caught fire and burn down.

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Speaker 2: Or do they produce that I'm assuming in Asia, in

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Speaker 2: China and China, I mean China is like the capital

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Speaker 2: and many countries like the other outside of the US

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Speaker 2: and beyond, like many places like or the capital of

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Speaker 2: you know, child labor abuse, adult labor, just labor practice,

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Speaker 2: horrible labor practices in general. I think that well, first

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Speaker 2: of all, San deserves all this negative attention, but it

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Speaker 2: did not invent fast fashion. So can we talk about

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Speaker 2: old navy? We talked about Target. Sorry in advance for Target,

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Speaker 2: but sorry not sorry because the quality. I have had

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Speaker 2: to stop buying Target, like basic brand stuff because the

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Speaker 2: quality is so shite. I can actually like the sweaters

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Speaker 2: all like the little like cause they swap out their

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Speaker 2: looks with every season and almost like every month there's

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Speaker 2: new looks and it makes you want to like get

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Speaker 2: new stuff. But I have found that when I am

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Speaker 2: donating clothes, bags and bags of like shitty Target stuff

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Speaker 2: to them is another one.

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Speaker 1: Although it was like hmmm yeah, Sam, yeah forever twe

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Speaker 1: low key high key Zara.

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Speaker 2: Oh Zara can sometimes too, so yeah, it definitely is

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Speaker 2: on a Shan problem. It's just a consumerism problem. Like

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Speaker 2: we are the fast fashion industry and the Internet and

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Speaker 2: influencers and the TikTok halls.

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Speaker 1: You've seen the halls they were like, oh I got

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Speaker 1: these three hundred pieces and I mean low key, high key.

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Speaker 1: I am part of the problem. I'm sorry. Mother Beyonce

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Speaker 1: had us all where the silver and there was uptick

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Speaker 1: of silver being sold and then did you hear later

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Speaker 1: how it was all trickled his way down to the

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Speaker 1: good of the wheel and all those other drift shops.

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Speaker 1: All of our silver, I mean, some of my top

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Speaker 1: is there and my sneakers.

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Speaker 2: Wait you sent that to That was a hot little

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Speaker 2: haulter top. You donated that, Yeah.

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Speaker 1: Because I'm like, it's not really me. My back was

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Speaker 1: at you know, I was swinging on one of.

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Speaker 2: It looks like you.

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Speaker 1: Way, I know what I I just say all that

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Speaker 1: to say it is a struggle, right, because it's like,

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Speaker 1: not that I can't afford better quality clothes, but certainly,

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Speaker 1: you know, back in the day, people you know, you

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Speaker 1: had a handful of clothes because you like made them,

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Speaker 1: and there was a hole. I remember distinctly, if there

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Speaker 1: was a hole, my mother would would like she would

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Speaker 1: do the laundring, you know that. What is it called,

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Speaker 1: like the sewing, you know, like once a week, like socks, yeah,

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Speaker 1: the dot Yeah. But now it's just like tossome. And

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Speaker 1: I remember I had an awakening and I don't know

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Speaker 1: why I never thought about this before. It was maybe

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Speaker 1: like a few years back. I was in Burlington co

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Speaker 1: Factory and I was looking for something and I just looked,

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Speaker 1: and the one I was in in New Jersey was

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Speaker 1: so huge, and it was Rose and Rose and Rose

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Speaker 1: and Rose and Rosa clothes. And for the first time ever,

404
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Speaker 1: I thought to myself, there's no way all of these clothes,

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Speaker 1: even most of them, are going to be sold. Where

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Speaker 1: did they go? It was the first time I ever

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Speaker 1: thought about that. I thought, where do all these clothes

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Speaker 1: that will never be sold go? And then I thought,

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Speaker 1: this is just one Burlington in this, you know, in Newsey,

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Speaker 1: in this one town in New Jersey. What about the

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Speaker 1: Burlington two towns over and the other one another? And

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Speaker 1: how many Burlington's and not to pick on Burlington, but

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Speaker 1: how many of them nationwide? And then how many and

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Speaker 1: then Targets and how many other stores? And I got

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Speaker 1: like a pang in my heart of like wow, like

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Speaker 1: so much waste. And so I am trying I reach

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Speaker 1: out to my friend Jessica and to Mongo. She's like

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Speaker 1: the first black woman to travel to every recorder, to

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Speaker 1: travel to every country in the United and in the world,

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Speaker 1: and then also every state in the United States, and

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Speaker 1: then every something else. She did too. I kept every continent,

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Speaker 1: so she's been to every continent every state, every country,

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Speaker 1: the first black woman in period.

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Speaker 2: To do all that. Wow.

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Speaker 1: Anyway, So I love the way Jessica dresses really comfortable,

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Speaker 1: a really beautiful, very afrocentric chic, and I said, girl,

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Speaker 1: I want to upgrade my style. And I think with

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Speaker 1: my new kindo and new place, Mandy, I want to

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Speaker 1: be mindful of not having a ton of stuff, of

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Speaker 1: really picking things that I enjoy and then I can

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Speaker 1: wear again and again and so yeah, because I'm like,

432
00:22:05,880 --> 00:22:10,400
Speaker 1: I don't want to be part of the Yes.

433
00:22:10,640 --> 00:22:14,760
Speaker 2: On the other hand, I'm like, the fight against stuff

434
00:22:15,000 --> 00:22:19,320
Speaker 2: is just it is like it's like a curse upon us.

435
00:22:19,440 --> 00:22:22,280
Speaker 2: This is just like that we're we're going to be

436
00:22:22,320 --> 00:22:24,840
Speaker 2: fighting our parents' stuff because you know, they come from

437
00:22:24,840 --> 00:22:28,080
Speaker 2: the generation that love the stuff, and I think that

438
00:22:28,200 --> 00:22:30,600
Speaker 2: we are repeating a lot of those same mistakes, just

439
00:22:30,680 --> 00:22:33,119
Speaker 2: in different ways. You know, my mom and her my

440
00:22:33,400 --> 00:22:36,600
Speaker 2: former step dad, like they would love buying infomercial stuff,

441
00:22:36,640 --> 00:22:41,480
Speaker 2: like we had the like individual egg like little thing

442
00:22:41,840 --> 00:22:45,360
Speaker 2: to make yeah, and like little like the the vacuum

443
00:22:45,400 --> 00:22:48,639
Speaker 2: ceiling was like a huge thing and like the chopping

444
00:22:48,760 --> 00:22:51,400
Speaker 2: thing that could chop the ca like onions like yeah,

445
00:22:52,160 --> 00:22:54,479
Speaker 2: and that m hm, and like we make a lot

446
00:22:54,520 --> 00:22:56,600
Speaker 2: of fun like, Okay, Boomer, but this is the same

447
00:22:56,640 --> 00:22:59,000
Speaker 2: shit on TikTok. Do you know that people are obsessed

448
00:22:59,040 --> 00:23:02,359
Speaker 2: with literally like ice cube trays. Now I go to

449
00:23:02,440 --> 00:23:04,560
Speaker 2: home goods and I can see what's on TikTok because

450
00:23:04,560 --> 00:23:06,800
Speaker 2: it's all on the wall. It's like, do I need

451
00:23:07,160 --> 00:23:11,200
Speaker 2: flower ice cubes and honeybeecomb ice cubes and the letter

452
00:23:11,280 --> 00:23:15,600
Speaker 2: G ice cubes? It's all gonna melt like and you

453
00:23:15,720 --> 00:23:18,040
Speaker 2: have to have the storage containers for those things, and

454
00:23:18,880 --> 00:23:21,359
Speaker 2: just yeah, I think it's it's important to be conscious

455
00:23:21,680 --> 00:23:24,480
Speaker 2: conscious of it. At the same time, it is so

456
00:23:24,840 --> 00:23:29,440
Speaker 2: overwhelming to try to be good for the environment, you know,

457
00:23:29,680 --> 00:23:34,520
Speaker 2: like good for sustainability, and wow, why are the firefighters?

458
00:23:38,840 --> 00:23:39,399
Speaker 1: Like what did she do?

459
00:23:40,520 --> 00:23:42,080
Speaker 2: That happened with Dshaw? What if she was on the

460
00:23:42,119 --> 00:23:44,320
Speaker 2: show Dsha Dyer whatever? I think I did double thumbs

461
00:23:44,400 --> 00:23:45,879
Speaker 2: up and that's what And I don't even know what

462
00:23:45,960 --> 00:23:46,840
Speaker 2: I was thumbing up.

463
00:23:46,800 --> 00:23:51,200
Speaker 1: But cyber a whole request of that. Why do we need.

464
00:23:52,520 --> 00:23:55,199
Speaker 2: Blame chat GPT? Like that's just the root of all

465
00:23:55,240 --> 00:23:57,800
Speaker 2: evil Right now, you guys can check out YouTube for

466
00:23:57,840 --> 00:24:01,360
Speaker 2: what the heck just happened on my screen? Okay, any who.

467
00:24:01,920 --> 00:24:04,560
Speaker 2: I think it's good to have the conversations. I can

468
00:24:04,680 --> 00:24:07,800
Speaker 2: only do so much, and so the small things every

469
00:24:07,880 --> 00:24:10,119
Speaker 2: day that I do to try to not be a problem.

470
00:24:10,280 --> 00:24:14,320
Speaker 2: Is composting for me is a way easier problem. So

471
00:24:14,480 --> 00:24:17,000
Speaker 2: like by taking my kitchen scraps, and I have my

472
00:24:17,080 --> 00:24:20,520
Speaker 2: little jar of kitchen scraps that my husband loves to

473
00:24:20,680 --> 00:24:22,680
Speaker 2: like complain about, but I don't care because I'm like,

474
00:24:23,320 --> 00:24:24,920
Speaker 2: I am putting it back in the earth, and this

475
00:24:25,080 --> 00:24:28,879
Speaker 2: is my little thing. And I will try to not

476
00:24:29,680 --> 00:24:31,840
Speaker 2: buy stuff that I don't need in terms of like clothing,

477
00:24:33,000 --> 00:24:35,000
Speaker 2: but I could say the same for these kids toys

478
00:24:35,240 --> 00:24:37,800
Speaker 2: and all this like plastic coming into the house and

479
00:24:38,119 --> 00:24:41,200
Speaker 2: oh my gosh. But my thing with like clothing is

480
00:24:41,800 --> 00:24:43,600
Speaker 2: I have to make peace with needing to buy new

481
00:24:43,640 --> 00:24:47,240
Speaker 2: clothes sometimes at my price point, because my body is

482
00:24:47,359 --> 00:24:49,840
Speaker 2: changing and I'm not comfortable in clothes that I was

483
00:24:50,200 --> 00:24:53,240
Speaker 2: three years ago. I'm not one of those people who

484
00:24:53,680 --> 00:24:55,920
Speaker 2: can say I've had this since I was in the

485
00:24:56,000 --> 00:24:59,080
Speaker 2: third grade and look it still fits. My friend Julie

486
00:24:59,160 --> 00:25:00,720
Speaker 2: came over and every time I'm like, oh, it's a

487
00:25:00,720 --> 00:25:02,800
Speaker 2: cue jumpsuit, She's like, oh, this whole thing I've had

488
00:25:02,840 --> 00:25:05,960
Speaker 2: this for like seventeen years. I'm like, I just I'm

489
00:25:06,040 --> 00:25:08,680
Speaker 2: happy for you. But I was like, yeah, I don't

490
00:25:08,720 --> 00:25:09,000
Speaker 2: have that.

491
00:25:09,600 --> 00:25:12,640
Speaker 1: I can't I can't fit jeans I had six months ago.

492
00:25:12,880 --> 00:25:16,800
Speaker 2: Yeah, no, amen and amen, amen, amen. And you don't

493
00:25:16,840 --> 00:25:19,119
Speaker 2: want to walk around uncomfortable, And it's like, what am

494
00:25:19,160 --> 00:25:22,040
Speaker 2: I going to feel so shitty about myself because like

495
00:25:22,119 --> 00:25:23,760
Speaker 2: this is bad for the environment, But like I just

496
00:25:23,840 --> 00:25:26,520
Speaker 2: really need a pair of shorts like that don't ride

497
00:25:26,600 --> 00:25:29,560
Speaker 2: up my ass and make my thighs chafe. I just

498
00:25:29,680 --> 00:25:33,000
Speaker 2: want to like walk with dignity into the world, into

499
00:25:33,080 --> 00:25:35,480
Speaker 2: the stopping shop, you know what I mean. Yeah, So

500
00:25:35,760 --> 00:25:37,959
Speaker 2: it's a balance. So I feel you guys, if you're

501
00:25:38,000 --> 00:25:42,040
Speaker 2: listening and you're like, God cannot live and you know,

502
00:25:42,200 --> 00:25:43,800
Speaker 2: but just just food for thought, don't let it.

503
00:25:43,920 --> 00:25:46,640
Speaker 1: Yeah, just something to think about as you're buying, think about.

504
00:25:47,000 --> 00:25:49,359
Speaker 1: We're not here to judge. I get it, you know.

505
00:25:49,600 --> 00:25:52,520
Speaker 1: I'm like, you know, I get it. I want to

506
00:25:52,840 --> 00:25:56,040
Speaker 1: not destroy this world at the same time figure out

507
00:25:56,040 --> 00:25:57,760
Speaker 1: how to live in it while I'm currently here.

508
00:25:57,880 --> 00:26:02,120
Speaker 2: So yeah, just give yourself grace and give each other grace,

509
00:26:02,800 --> 00:26:04,919
Speaker 2: all right, And then a quick little pop culture buzzy well,

510
00:26:04,920 --> 00:26:06,719
Speaker 2: you say it's pop culture, it's more like a sports

511
00:26:06,760 --> 00:26:08,159
Speaker 2: pop sports.

512
00:26:09,640 --> 00:26:10,960
Speaker 1: Char call Richardson.

513
00:26:11,880 --> 00:26:15,800
Speaker 2: She runs real fast, real fast in a sport that

514
00:26:15,920 --> 00:26:16,920
Speaker 2: you're gonna tell us about.

515
00:26:17,560 --> 00:26:20,920
Speaker 1: Ah, it's track, honey, which one is it?

516
00:26:21,200 --> 00:26:23,680
Speaker 2: The fact? Like the short one? I think?

517
00:26:23,760 --> 00:26:26,720
Speaker 1: So I never see her? Yeah, I mean she might have.

518
00:26:27,040 --> 00:26:28,920
Speaker 1: I don't know if I've ever seen her relay, but

519
00:26:29,000 --> 00:26:30,720
Speaker 1: it's it's pretty short from what I could tell. She's

520
00:26:30,720 --> 00:26:33,879
Speaker 1: not long distance track. She's like explosive, which is like

521
00:26:33,960 --> 00:26:37,760
Speaker 1: the exciting one sprint. So she she made the so

522
00:26:37,880 --> 00:26:39,800
Speaker 1: for I saw all the clips, you know, everything's on ig.

523
00:26:40,720 --> 00:26:42,040
Speaker 1: I saw the clip. I guess she got out of

524
00:26:42,040 --> 00:26:44,399
Speaker 1: the block pretty slowly. But she made up for baby

525
00:26:44,480 --> 00:26:47,320
Speaker 1: because she won the race that qualified her to go

526
00:26:47,560 --> 00:26:50,960
Speaker 1: to the Paris Olympics. I don't know if this is

527
00:26:51,000 --> 00:26:53,000
Speaker 1: her first time going. I don't know, but I.

528
00:26:53,040 --> 00:26:55,560
Speaker 2: Really thought this was the Olympics, not me being like,

529
00:26:55,680 --> 00:27:03,720
Speaker 2: oh she go congrat Oh well so oh so she It.

530
00:27:03,760 --> 00:27:07,240
Speaker 1: Was like a qualification, yes, right now, everybody's qualifying to

531
00:27:07,280 --> 00:27:08,680
Speaker 1: get into the Paris Olympics.

532
00:27:09,240 --> 00:27:12,879
Speaker 2: It was this summer is it that last minute? Is

533
00:27:12,920 --> 00:27:15,040
Speaker 2: it summer Olympics or winter? It's got to be summer.

534
00:27:15,760 --> 00:27:16,560
Speaker 2: I do not know.

535
00:27:16,840 --> 00:27:18,879
Speaker 1: So let me see, girl, you got me. Let me

536
00:27:18,920 --> 00:27:20,760
Speaker 1: get to googleing. When is the Olympics?

537
00:27:21,240 --> 00:27:23,520
Speaker 2: Oh? You know what I always remember because when Enrique

538
00:27:23,520 --> 00:27:25,640
Speaker 2: and I started to date, it was during the Olympics

539
00:27:25,680 --> 00:27:28,520
Speaker 2: of twenty twelve, and we went on my birthday that

540
00:27:28,640 --> 00:27:29,200
Speaker 2: was in August.

541
00:27:29,720 --> 00:27:33,480
Speaker 1: Okay, okay, so it's the end of July there, Friday,

542
00:27:33,640 --> 00:27:35,600
Speaker 1: July twenty sixth to August eleventh.

543
00:27:35,880 --> 00:27:38,919
Speaker 2: Wow. Core memory. Okay, so that's very last minute. That's exciting.

544
00:27:39,520 --> 00:27:44,520
Speaker 1: Okay, Oh, you're giving boomerades right now. I'm supposed to

545
00:27:44,520 --> 00:27:46,080
Speaker 1: be the one who's like, what what happened?

546
00:27:46,080 --> 00:27:46,199
Speaker 2: Now?

547
00:27:46,640 --> 00:27:48,840
Speaker 1: So yeah, that's really great because you know, remember remember

548
00:27:48,920 --> 00:27:52,280
Speaker 1: she got this qualified before because somebody being important to

549
00:27:52,359 --> 00:27:54,800
Speaker 1: her passed away. I think it was her mother passed

550
00:27:54,800 --> 00:27:59,160
Speaker 1: away and she smoked a little something something, oh John,

551
00:27:59,240 --> 00:28:01,919
Speaker 1: if you will, and then you know, as a result,

552
00:28:02,160 --> 00:28:03,920
Speaker 1: she you know, she owned it. It was like, you know,

553
00:28:04,000 --> 00:28:06,320
Speaker 1: I knew I wasn't supposed to, but quite honestly, I

554
00:28:06,480 --> 00:28:09,480
Speaker 1: was really struggling. Young woman made a mistake, owned up

555
00:28:09,520 --> 00:28:10,920
Speaker 1: to it. You know a lot of people came down

556
00:28:11,000 --> 00:28:13,879
Speaker 1: on her, and you know, she didn't do well for

557
00:28:13,960 --> 00:28:16,359
Speaker 1: a few races after that, if I remember correctly, But

558
00:28:16,480 --> 00:28:18,560
Speaker 1: since then she's been on fire and our girl is

559
00:28:18,680 --> 00:28:22,400
Speaker 1: back and so yeah, you know, people love to bring

560
00:28:22,520 --> 00:28:24,440
Speaker 1: you up. But what I love about it is that

561
00:28:24,520 --> 00:28:28,080
Speaker 1: she gets it now. She's like, she's not so invested

562
00:28:28,160 --> 00:28:30,520
Speaker 1: in Chad. Y'all put me up on your shoulders before

563
00:28:30,600 --> 00:28:31,960
Speaker 1: and then you threw me down the moment that I

564
00:28:32,000 --> 00:28:34,440
Speaker 1: had trouble so you could keep all that. Yeah, I'm

565
00:28:34,600 --> 00:28:36,000
Speaker 1: you know, I edified myself.

566
00:28:36,200 --> 00:28:39,720
Speaker 2: Okay, oh, very smart, because goddamn, like they just some

567
00:28:39,840 --> 00:28:42,040
Speaker 2: of the mayor in Baltimore released like one hundred thousand

568
00:28:42,680 --> 00:28:45,440
Speaker 2: or pardoned one hundred thousand inmates who had low level

569
00:28:45,680 --> 00:28:52,320
Speaker 2: marijuana offenses or whatever possession offenses, and the tides are changing.

570
00:28:52,440 --> 00:28:54,920
Speaker 2: But I still feel like in the in the public's eye,

571
00:28:55,200 --> 00:28:58,360
Speaker 2: when a black woman or black man you know, smokes,

572
00:28:58,400 --> 00:29:01,840
Speaker 2: it is still not as like accept did or you know,

573
00:29:01,920 --> 00:29:03,640
Speaker 2: it's still more frowned upon them, more likely to be

574
00:29:03,680 --> 00:29:09,280
Speaker 2: criticized than you know. Elon Musk, who has you know,

575
00:29:09,440 --> 00:29:13,160
Speaker 2: talked about like his love for drugs or whatever.

576
00:29:13,320 --> 00:29:15,080
Speaker 1: Girl the girls be out here doing muscle, all kind

577
00:29:15,120 --> 00:29:19,440
Speaker 1: of foolishness, all kind of ski slopes, snowing all kinds.

578
00:29:19,200 --> 00:29:20,640
Speaker 2: Of trailers for euphoria.

579
00:29:20,840 --> 00:29:23,360
Speaker 1: I know what they do, girl, I please. I went

580
00:29:23,400 --> 00:29:25,320
Speaker 1: to I we to Westfield High School. I saw what

581
00:29:25,400 --> 00:29:28,120
Speaker 1: they do. Okay, yeah, I had intentions.

582
00:29:28,200 --> 00:29:31,000
Speaker 2: I know what. You know, you can do a little

583
00:29:31,040 --> 00:29:32,360
Speaker 2: wed you know.

584
00:29:32,720 --> 00:29:34,240
Speaker 1: Then, I mean, I ain't doing nothing of that stuff

585
00:29:34,240 --> 00:29:36,120
Speaker 1: because I was scared. I have African parents at home.

586
00:29:36,680 --> 00:29:39,120
Speaker 1: But you know, yeah, it's just a shame. And then

587
00:29:39,160 --> 00:29:41,760
Speaker 1: you think about the financial ramifications of not having people

588
00:29:41,840 --> 00:29:44,760
Speaker 1: home for something like that. But yeah, so we are

589
00:29:44,800 --> 00:29:48,600
Speaker 1: proud of you. Shakiri Shakaari, Shakari Richardson, Miss ma'am, go

590
00:29:48,640 --> 00:29:51,200
Speaker 1: ahead onto the it's gonna between you and the Jamaicans

591
00:29:51,240 --> 00:29:52,840
Speaker 1: because you know the make us be a little fast, honey,

592
00:29:53,480 --> 00:29:55,440
Speaker 1: may be all fast. I ain't gonna lie either way

593
00:29:55,480 --> 00:29:59,240
Speaker 1: as long as you black or want you away you

594
00:29:59,320 --> 00:30:01,160
Speaker 1: know what, non black to win. It's just that, like

595
00:30:01,240 --> 00:30:07,000
Speaker 1: I'm mooty for everybody black, so everybody, Yeah, should we

596
00:30:07,040 --> 00:30:08,960
Speaker 1: take up breaky mm hmm.

597
00:30:11,440 --> 00:30:13,360
Speaker 2: Good note for Tanya. When that happens, Can you just

598
00:30:13,560 --> 00:30:15,760
Speaker 2: edit out us tripping over each other? That's always I

599
00:30:15,960 --> 00:30:25,240
Speaker 2: like it, you do, listen, it's annoying. I think no

600
00:30:25,720 --> 00:30:27,600
Speaker 2: I think we don't do it very often, and we

601
00:30:27,760 --> 00:30:30,800
Speaker 2: do it often do it? I don't know. I'm very

602
00:30:30,840 --> 00:30:32,520
Speaker 2: I'm always self conscious of it and I'm like, dang,

603
00:30:32,520 --> 00:30:35,400
Speaker 2: where's our rhythm? Like we off the rhythm double Dutch.

604
00:30:36,960 --> 00:30:39,680
Speaker 1: Keep keep all of this in listeners. You tell us

605
00:30:39,920 --> 00:30:41,640
Speaker 1: if do you hate it, like oh my god, you

606
00:30:41,680 --> 00:30:44,480
Speaker 1: guys are always tripping over each other, or you're like, no, girls,

607
00:30:44,520 --> 00:30:46,040
Speaker 1: so cute little one two one two, and then you

608
00:30:46,080 --> 00:30:48,000
Speaker 1: guys get back on track. So we're gonna leave all

609
00:30:48,040 --> 00:30:49,440
Speaker 1: of that in and you're gonna let us know and

610
00:30:49,520 --> 00:30:52,600
Speaker 1: our DMS Branda Vision podcast on our g and just

611
00:30:52,680 --> 00:30:55,760
Speaker 1: say like, girl, you fine, or like actually I hate it,

612
00:30:56,120 --> 00:30:58,000
Speaker 1: but keep it cute because we do black. I mean,

613
00:30:58,040 --> 00:30:59,920
Speaker 1: you could be honest, but honestly I mean nasty.

614
00:31:00,440 --> 00:31:03,960
Speaker 2: Yeah, I talk to Perry. Fame is never nasty. I

615
00:31:04,040 --> 00:31:06,080
Speaker 2: think it only happens when I get too caught in

616
00:31:06,160 --> 00:31:07,640
Speaker 2: my own head and I get in like an anxious

617
00:31:07,640 --> 00:31:09,160
Speaker 2: state and I forget to just like talk to you

618
00:31:10,200 --> 00:31:12,000
Speaker 2: because I'm thinking about, oh, it should come next. I

619
00:31:12,120 --> 00:31:13,280
Speaker 2: just need to be a little more present.

620
00:31:14,000 --> 00:31:16,160
Speaker 1: No, and also a girl, it's humane, Like, I mean,

621
00:31:17,080 --> 00:31:19,360
Speaker 1: you know, when you talk to people sometimes we're both

622
00:31:19,400 --> 00:31:23,200
Speaker 1: thinking to talk at the same time. It's natural. So anyway, yay, fam,

623
00:31:23,280 --> 00:31:26,480
Speaker 1: you got a little behind the scenes. So we will

624
00:31:26,560 --> 00:31:30,000
Speaker 1: be back and blacker than ever with our what did

625
00:31:30,040 --> 00:31:32,080
Speaker 1: it not be a q A with our phone boost?

626
00:31:36,360 --> 00:31:40,680
Speaker 1: We are back, y I fam, All right, we're gonna

627
00:31:40,720 --> 00:31:44,920
Speaker 1: do and now it's time to boost up, break up,

628
00:31:44,960 --> 00:31:48,600
Speaker 1: boost up, break up, boost up? Break Are you gonna boost?

629
00:31:49,880 --> 00:31:54,400
Speaker 1: Are you gonna break? What you're gonna do? What you're

630
00:31:54,400 --> 00:31:58,440
Speaker 1: going to were boosting a breaking? And you want to

631
00:31:58,480 --> 00:31:59,640
Speaker 1: go first, you want to go second.

632
00:32:00,080 --> 00:32:03,360
Speaker 2: I can go first since you did all the work

633
00:32:03,600 --> 00:32:07,200
Speaker 2: involved with singing us in with backing vocals somehow at

634
00:32:07,200 --> 00:32:11,120
Speaker 2: the same time, she is a multi hyphen it. I

635
00:32:11,280 --> 00:32:14,920
Speaker 2: want to give myself a big brown boost because outside

636
00:32:14,960 --> 00:32:18,840
Speaker 2: of like having kids and needing to prepare meals for

637
00:32:18,920 --> 00:32:21,600
Speaker 2: them on the weekend, when I'm like, oh dang, three

638
00:32:21,640 --> 00:32:23,760
Speaker 2: meals a day plus next there's a lot of work,

639
00:32:23,880 --> 00:32:26,000
Speaker 2: I feel very adult in those moments. I'm like, when

640
00:32:26,040 --> 00:32:28,120
Speaker 2: did I become a grown up? I have a new

641
00:32:28,200 --> 00:32:31,600
Speaker 2: milestone of like, holy shit, I am a grown up.

642
00:32:32,000 --> 00:32:38,400
Speaker 2: I filed a grievance against my tax assessment, my property

643
00:32:38,440 --> 00:32:42,320
Speaker 2: assessment of my house. So for those of you who

644
00:32:42,400 --> 00:32:46,320
Speaker 2: are homeowners, you may live in a state where well

645
00:32:46,400 --> 00:32:48,520
Speaker 2: a lot of most states have property taxes, right like,

646
00:32:49,080 --> 00:32:52,560
Speaker 2: there's no zero percent property tax states are there? I

647
00:32:52,600 --> 00:32:55,240
Speaker 2: don't know could I move there if there is? But anyway,

648
00:32:56,080 --> 00:32:58,720
Speaker 2: you pay property taxes based on the assessed value of

649
00:32:58,760 --> 00:33:01,200
Speaker 2: your home. So I don't know what kind of methods

650
00:33:01,280 --> 00:33:05,400
Speaker 2: these towns municipal offices used to like determine. They probably

651
00:33:05,440 --> 00:33:07,960
Speaker 2: are on zillo like the rest of us, like figuring

652
00:33:07,960 --> 00:33:10,440
Speaker 2: out what your home is worth, and that is directly

653
00:33:10,520 --> 00:33:13,480
Speaker 2: what influences how much you pay in your annual taxes.

654
00:33:13,600 --> 00:33:18,520
Speaker 2: My taxes, our taxes are insane. I know Jersey has

655
00:33:18,640 --> 00:33:22,160
Speaker 2: high property taxes as well, but I think my husband

656
00:33:22,160 --> 00:33:24,320
Speaker 2: and I are looking at like sixteen thousand a year

657
00:33:25,040 --> 00:33:30,360
Speaker 2: just in property taxes. And it's wild. Anyway, the annoying

658
00:33:30,480 --> 00:33:32,440
Speaker 2: thing is that once a year you will get a

659
00:33:32,520 --> 00:33:35,160
Speaker 2: letter or usually in the Atlasma you just got yours.

660
00:33:35,200 --> 00:33:35,720
Speaker 2: Oh look at you.

661
00:33:35,760 --> 00:33:38,040
Speaker 1: Okay, I'm literally opening right now to be like what

662
00:33:38,120 --> 00:33:39,120
Speaker 1: kind I'm own bout goheay?

663
00:33:40,280 --> 00:33:42,960
Speaker 2: So our property, it has gone up and up and

664
00:33:43,080 --> 00:33:46,440
Speaker 2: up and up every year, and we always miss the

665
00:33:46,560 --> 00:33:50,880
Speaker 2: little window to file a grievance. It's usually so for us,

666
00:33:50,960 --> 00:33:53,400
Speaker 2: it was between June first through the eighteenth and the

667
00:33:53,480 --> 00:33:57,120
Speaker 2: way I showed up and on June eighteenth with that

668
00:33:57,200 --> 00:34:01,080
Speaker 2: piece of paper and all the application that you need

669
00:34:01,200 --> 00:34:04,760
Speaker 2: or whatever. But I did it, and now it was

670
00:34:05,040 --> 00:34:06,920
Speaker 2: it was not as scary of a process as I thought.

671
00:34:06,920 --> 00:34:08,680
Speaker 2: I thought I'd have to like stand up and defend

672
00:34:08,719 --> 00:34:10,360
Speaker 2: my home. But this is like the first step in

673
00:34:10,400 --> 00:34:13,880
Speaker 2: the process. So yeah, if you've received one of these letters,

674
00:34:14,120 --> 00:34:17,520
Speaker 2: check them out and actually do the grievance. I'm very

675
00:34:17,600 --> 00:34:21,960
Speaker 2: interested to see if we'll actually like get our assessment down.

676
00:34:22,520 --> 00:34:24,840
Speaker 2: I know it's good, like for example, if I wanted

677
00:34:24,880 --> 00:34:27,080
Speaker 2: to get a home equity loan or I wanted to

678
00:34:27,280 --> 00:34:29,799
Speaker 2: sell my home, it's nice having a higher home value,

679
00:34:29,840 --> 00:34:32,920
Speaker 2: right because you'll get more profit. But in terms of

680
00:34:33,040 --> 00:34:35,120
Speaker 2: like just staying in your home, which I know a

681
00:34:35,160 --> 00:34:37,920
Speaker 2: lot of homeowners are because rates are so high, like

682
00:34:38,040 --> 00:34:42,160
Speaker 2: your taxes are going up, and I don't know. In

683
00:34:42,280 --> 00:34:45,160
Speaker 2: my neighborhood, there's lots of flips, Like people will come

684
00:34:45,239 --> 00:34:47,040
Speaker 2: in they just write next door to me, they built

685
00:34:47,040 --> 00:34:49,720
Speaker 2: like a nine hundred thousand dollars home, which is twice

686
00:34:49,800 --> 00:34:51,960
Speaker 2: the value of many of the homes on my block

687
00:34:52,800 --> 00:34:55,359
Speaker 2: that they were purchased for and so that they will

688
00:34:55,400 --> 00:34:57,640
Speaker 2: look at the comps like next to you and say, well,

689
00:34:57,680 --> 00:35:00,520
Speaker 2: then you know, we'll increase your property to by like

690
00:35:00,600 --> 00:35:03,040
Speaker 2: twenty orth sorry, your assessment by like twenty or thirty

691
00:35:03,080 --> 00:35:06,799
Speaker 2: thousand dollars. And it's not always fair, it's not always right,

692
00:35:07,880 --> 00:35:09,920
Speaker 2: but big points for me being a grown up.

693
00:35:10,840 --> 00:35:14,440
Speaker 1: Yeah, I love that, and I'm looking like mine amount.

694
00:35:14,560 --> 00:35:17,760
Speaker 1: Dude says three thy nine hundred, So say three thousand

695
00:35:17,840 --> 00:35:21,279
Speaker 1: times four, it's twelve thousand dollars. I'm like it was

696
00:35:21,320 --> 00:35:23,920
Speaker 1: just ten thousand last year, so it's going up for girl.

697
00:35:24,239 --> 00:35:26,000
Speaker 2: Oh so that's so what you got is you're like,

698
00:35:26,560 --> 00:35:30,040
Speaker 2: you pay quarterly then quarterly yep, okay, they just put

699
00:35:30,080 --> 00:35:31,520
Speaker 2: it on our more. They just put it on our

700
00:35:31,560 --> 00:35:32,640
Speaker 2: mortgage bill monthly.

701
00:35:33,600 --> 00:35:34,960
Speaker 1: Wh I got a mortgage carl?

702
00:35:36,000 --> 00:35:38,920
Speaker 2: Oh that's right, So that's all you pay? Yeah, gotcha?

703
00:35:38,960 --> 00:35:43,600
Speaker 2: When we don't feel very bad, girl, bo'ts are. But

704
00:35:43,719 --> 00:35:46,000
Speaker 2: it is based on your assessed value. So like has

705
00:35:46,040 --> 00:35:47,440
Speaker 2: your assessed value?

706
00:35:47,600 --> 00:35:50,520
Speaker 1: Yeah up up, yeah yeah, because all these houses are

707
00:35:50,600 --> 00:35:52,640
Speaker 1: selling for I'm like not a million dollars in our neighbor.

708
00:35:52,719 --> 00:35:54,480
Speaker 1: I mean don't get me wrong, I'm happy about it.

709
00:35:54,560 --> 00:35:57,320
Speaker 1: But at the same time, I will say what I

710
00:35:57,360 --> 00:35:59,200
Speaker 1: have heard because a friend of mine did it. She

711
00:35:59,320 --> 00:36:02,920
Speaker 1: had an attorney help, so I may actually reach out

712
00:36:02,920 --> 00:36:04,720
Speaker 1: because one of my friends is a real estate attorney

713
00:36:05,080 --> 00:36:08,799
Speaker 1: and that helps significantly. So I'm going to see because

714
00:36:08,800 --> 00:36:11,239
Speaker 1: it has been going. Like when I first moved here, girl,

715
00:36:11,360 --> 00:36:15,080
Speaker 1: it was eight thousand, and now we're at twelve, five

716
00:36:15,160 --> 00:36:19,440
Speaker 1: years later. It's cristy, so we fittishy. So I just

717
00:36:19,520 --> 00:36:23,440
Speaker 1: literally work in Newark. Yeah, And meanwhile, Newark is actually

718
00:36:24,160 --> 00:36:27,560
Speaker 1: Essex County apparently, or Newark in particular. Now Essex County

719
00:36:27,880 --> 00:36:30,440
Speaker 1: actually has some of the lowest which I'm like, this

720
00:36:30,560 --> 00:36:32,759
Speaker 1: is low because, for example, like East Orange next to me,

721
00:36:33,480 --> 00:36:36,640
Speaker 1: Like when I was looking for homes similar size in Newark,

722
00:36:36,680 --> 00:36:39,280
Speaker 1: it would be like six to eight thousand dollars in Newark,

723
00:36:39,280 --> 00:36:42,400
Speaker 1: and an East Orange would be twelve thousand or in

724
00:36:42,520 --> 00:36:44,320
Speaker 1: Orange Orange and the Stars, which I'm like, wow. And

725
00:36:44,480 --> 00:36:47,400
Speaker 1: apparently there's some reasons that come into that that, like

726
00:36:48,680 --> 00:36:51,040
Speaker 1: a lot of the businesses have what does that thing

727
00:36:51,080 --> 00:36:52,439
Speaker 1: when you don't have to pay taxes for a while,

728
00:36:52,560 --> 00:36:53,399
Speaker 1: not probate.

729
00:36:55,280 --> 00:36:57,560
Speaker 2: To pay tax now a while yeah, I forget.

730
00:36:57,640 --> 00:36:59,760
Speaker 1: There's like a word for somebody right now is screaming

731
00:36:59,760 --> 00:37:02,040
Speaker 1: at the saying the word. I'm like, whatever, gir I

732
00:37:02,040 --> 00:37:03,800
Speaker 1: can't hear you. So whatever.

733
00:37:03,880 --> 00:37:04,160
Speaker 2: It is.

734
00:37:04,280 --> 00:37:08,120
Speaker 1: Basically, in order to attract businesses to certain cities, sometimes

735
00:37:08,160 --> 00:37:10,440
Speaker 1: they'll waive their taxes for like however many years and

736
00:37:10,480 --> 00:37:13,520
Speaker 1: apparently and it's either an Orange or East Orange. They

737
00:37:13,600 --> 00:37:15,839
Speaker 1: did it for so long that they have to get

738
00:37:16,000 --> 00:37:17,880
Speaker 1: so much money from the people who own homes and

739
00:37:18,600 --> 00:37:21,000
Speaker 1: it's just crazy. So Newark has a lot of businesses,

740
00:37:21,080 --> 00:37:23,480
Speaker 1: I guess to offset, so our taxes as far as

741
00:37:23,640 --> 00:37:27,200
Speaker 1: Essex County go is some of the lowest of like

742
00:37:27,320 --> 00:37:33,040
Speaker 1: in our county. But still I'm my girl anyway, I guess.

743
00:37:33,680 --> 00:37:36,200
Speaker 2: So if you're wondering, like if you're a homeowner, you're

744
00:37:36,200 --> 00:37:38,480
Speaker 2: listening and you're wondering how to check to see if

745
00:37:38,520 --> 00:37:40,759
Speaker 2: you can file a grievance, just google the name of

746
00:37:40,840 --> 00:37:44,480
Speaker 2: your town and county and Grievance Day because that's what

747
00:37:44,520 --> 00:37:48,200
Speaker 2: it's called. Grievance Day is the day. And for us

748
00:37:48,239 --> 00:37:49,880
Speaker 2: at least it was a couple of weeks over that

749
00:37:49,920 --> 00:37:51,680
Speaker 2: period we could have submitted it. But you need to

750
00:37:51,760 --> 00:37:53,880
Speaker 2: submit it because if you missed a grievance day, then

751
00:37:53,920 --> 00:37:55,880
Speaker 2: that's your biggest window to like combat it. And then

752
00:37:56,000 --> 00:37:59,240
Speaker 2: after that you may have to take on an attorney

753
00:37:59,400 --> 00:38:03,200
Speaker 2: or there's actually like real realist realtors who also like

754
00:38:03,400 --> 00:38:07,439
Speaker 2: have as a freelance offering. They will offer to file

755
00:38:07,640 --> 00:38:10,360
Speaker 2: a file a late grievance or whatever and like appear

756
00:38:10,440 --> 00:38:14,320
Speaker 2: in court and we're at the town municipal office to

757
00:38:15,040 --> 00:38:21,360
Speaker 2: to argue against your assessment. So it's a grown up stuff,

758
00:38:21,560 --> 00:38:22,360
Speaker 2: but we gotta do that.

759
00:38:23,320 --> 00:38:26,840
Speaker 1: We gotta do it well. Mine is I guess it

760
00:38:27,000 --> 00:38:30,279
Speaker 1: is a booze. Yeah, it's a boost. So Supergirl has

761
00:38:30,360 --> 00:38:35,440
Speaker 1: graduated high school. But now she went to prom. She

762
00:38:35,520 --> 00:38:37,759
Speaker 1: looks so beautiful a prom. She's such a pretty girl.

763
00:38:38,640 --> 00:38:41,719
Speaker 1: She went to prom and that was great and expensive girl,

764
00:38:42,920 --> 00:38:48,200
Speaker 1: and then she she went to We just actually just

765
00:38:48,280 --> 00:38:51,640
Speaker 1: went to her graduation the other day and then she

766
00:38:51,719 --> 00:38:53,680
Speaker 1: had her party here. So she had proms send off

767
00:38:53,719 --> 00:38:56,560
Speaker 1: at her mom's house and then she had her party here.

768
00:38:56,600 --> 00:38:59,400
Speaker 1: It was actually last night, so she had like her

769
00:38:59,480 --> 00:39:02,719
Speaker 1: family come earlier and then she had her friends come later.

770
00:39:03,719 --> 00:39:06,600
Speaker 1: So you know that was cool, and so was it

771
00:39:06,920 --> 00:39:09,400
Speaker 1: when it came to it was I mean, you know

772
00:39:09,440 --> 00:39:11,759
Speaker 1: they're seventeen eighteen, so you know, I could keep it

773
00:39:11,840 --> 00:39:14,080
Speaker 1: like baby because the backyard that shair is all like

774
00:39:14,200 --> 00:39:16,640
Speaker 1: laid out. I mean I was here, okay, I was

775
00:39:16,840 --> 00:39:20,239
Speaker 1: leaving the kids alone, even though like at twelve thirty

776
00:39:20,280 --> 00:39:21,880
Speaker 1: day was outside just talking talking. I was like, we

777
00:39:21,920 --> 00:39:23,800
Speaker 1: have neighbors, Galo. I had to come out in my

778
00:39:23,840 --> 00:39:26,279
Speaker 1: auntie robe and Lena like opened the front door and

779
00:39:26,400 --> 00:39:29,520
Speaker 1: Lena against the doorjam. They just looked at They're like, ooh,

780
00:39:29,680 --> 00:39:32,080
Speaker 1: I'm so sorry. She texted me this morning. She was like,

781
00:39:32,120 --> 00:39:35,279
Speaker 1: I'm so sorry Tiffany for my friends. I truly apologized.

782
00:39:35,280 --> 00:39:36,800
Speaker 1: I was like, oh, I'll look at her all sweet.

783
00:39:37,520 --> 00:39:39,319
Speaker 1: But no, they were like really respectful, nice kids. They

784
00:39:39,360 --> 00:39:42,320
Speaker 1: were just outside like talking like you know, unempolieding. I

785
00:39:42,440 --> 00:39:44,839
Speaker 1: no job, you know, they were just like I said, girl,

786
00:39:45,040 --> 00:39:47,319
Speaker 1: go tell your friends to get out my front lawn.

787
00:39:48,880 --> 00:39:51,920
Speaker 1: But we are now like So she did get some

788
00:39:52,000 --> 00:39:54,600
Speaker 1: scholarships for school. Her father left her money. I have

789
00:39:54,719 --> 00:39:59,880
Speaker 1: money for her too, So navigating the financial component for

790
00:39:59,880 --> 00:40:05,120
Speaker 1: her her is interesting because I want her. You know,

791
00:40:05,200 --> 00:40:07,720
Speaker 1: it's hard because she's seventeen, so soon she turns eighteen.

792
00:40:08,080 --> 00:40:09,759
Speaker 1: The way the state works is that if you lose

793
00:40:09,760 --> 00:40:13,839
Speaker 1: a parent, many times they will hold your your your

794
00:40:14,040 --> 00:40:16,239
Speaker 1: the child's money and trust if the parent has left

795
00:40:16,280 --> 00:40:18,640
Speaker 1: any sort of like life insurance, which which Jerrelle did,

796
00:40:19,000 --> 00:40:20,920
Speaker 1: so they'll hold that money in trust for the for

797
00:40:21,040 --> 00:40:24,080
Speaker 1: the child, and then in New Jersey it just gives

798
00:40:24,120 --> 00:40:26,040
Speaker 1: it to them when they turn eighteen, which I feel

799
00:40:26,040 --> 00:40:30,960
Speaker 1: like is so young, you know, you know, because it's

800
00:40:30,960 --> 00:40:32,359
Speaker 1: like she could do whatever and it's not a little

801
00:40:32,360 --> 00:40:35,880
Speaker 1: bit of money. And so I am having her thankful

802
00:40:35,880 --> 00:40:38,080
Speaker 1: because she turns eighteen in October, so we have some

803
00:40:38,160 --> 00:40:41,400
Speaker 1: months away. So she's meeting with my financial advisor. It's Angelie.

804
00:40:41,440 --> 00:40:44,240
Speaker 1: It's something that she offers to the children of her clients.

805
00:40:44,600 --> 00:40:46,960
Speaker 1: Oh she's got to have a Yeah, several conversations, but

806
00:40:47,080 --> 00:40:49,000
Speaker 1: by herself, like a Jelie and I have already spoken

807
00:40:49,000 --> 00:40:51,040
Speaker 1: about what we thought it was best practices for what

808
00:40:51,120 --> 00:40:54,520
Speaker 1: should happen next, but I think it's important. I spoke

809
00:40:54,600 --> 00:40:58,239
Speaker 1: to Melissa's mom you know me, and you know, we've

810
00:40:58,239 --> 00:40:59,759
Speaker 1: been cool. We talked about like what do we think

811
00:40:59,760 --> 00:41:02,280
Speaker 1: we shoul to do and she was like, honestly, Tiffany,

812
00:41:02,360 --> 00:41:04,880
Speaker 1: I think that if you meet with her and Angelie

813
00:41:04,880 --> 00:41:06,239
Speaker 1: at the same time, she's got to turn off her

814
00:41:06,239 --> 00:41:07,719
Speaker 1: brain because she's going to say, there's an adult in

815
00:41:07,760 --> 00:41:10,680
Speaker 1: the room. Tiffany got it, and so Angelie actually agreed too.

816
00:41:10,719 --> 00:41:12,040
Speaker 1: I was like, oh, that's really that was really great

817
00:41:12,040 --> 00:41:13,840
Speaker 1: feedback from her mom. So we both talked about it,

818
00:41:13,920 --> 00:41:15,200
Speaker 1: and she's like, I think she should meet with her

819
00:41:15,280 --> 00:41:18,080
Speaker 1: separately because she's really smart, because she's gonna be like, wait,

820
00:41:18,560 --> 00:41:21,080
Speaker 1: it's just me, let me focus and take notes. So

821
00:41:21,280 --> 00:41:23,160
Speaker 1: I'm looking forward to that. Actually have to convict. I'm

822
00:41:23,160 --> 00:41:27,200
Speaker 1: gonna I'm going to connect them via text this week

823
00:41:27,280 --> 00:41:29,000
Speaker 1: so they can schedule a call because I want onto

824
00:41:29,040 --> 00:41:31,440
Speaker 1: a few things. I want Angelie to look at, like,

825
00:41:32,000 --> 00:41:33,520
Speaker 1: you know, the school that she's going to. I want

826
00:41:33,520 --> 00:41:37,160
Speaker 1: her to also look at the scholarship that she got,

827
00:41:37,760 --> 00:41:41,160
Speaker 1: to really dissect the award letter to tell Alyta, this

828
00:41:41,280 --> 00:41:43,960
Speaker 1: is how much is coming to you, and here is

829
00:41:44,040 --> 00:41:46,279
Speaker 1: some some things you can do to make the most

830
00:41:46,320 --> 00:41:49,360
Speaker 1: of that money, you know. And so I was stressed

831
00:41:49,360 --> 00:41:50,640
Speaker 1: about it. I'm like, oh, what does she choose to

832
00:41:50,719 --> 00:41:54,200
Speaker 1: in correctly? But I'm like, girl, I finally had to

833
00:41:54,320 --> 00:41:58,040
Speaker 1: let that go because all I can do is I

834
00:41:58,160 --> 00:42:00,279
Speaker 1: never understood my dad would say sometimes I could do

835
00:42:00,360 --> 00:42:02,560
Speaker 1: is advise. Sometimes he would say that to us when

836
00:42:02,600 --> 00:42:05,439
Speaker 1: he was just like, I cannot at this big grown age,

837
00:42:05,440 --> 00:42:06,640
Speaker 1: I can't tell you what to do. And then not

838
00:42:06,760 --> 00:42:10,280
Speaker 1: that she's an adult, cause she's only seventeen. But ultimately

839
00:42:10,320 --> 00:42:12,759
Speaker 1: when she turned to eighteen, it's her money. Yeah, and

840
00:42:13,120 --> 00:42:16,000
Speaker 1: you know, one of the things Angelie said that she

841
00:42:16,480 --> 00:42:19,799
Speaker 1: highly suggests is that to set aside a nice little

842
00:42:20,080 --> 00:42:21,960
Speaker 1: piece of it, you know, not a quarter of it,

843
00:42:22,080 --> 00:42:24,719
Speaker 1: but a little chunk that Alissa basically can do whatever

844
00:42:24,760 --> 00:42:27,080
Speaker 1: she wants with to ease some of that. It's my money.

845
00:42:27,080 --> 00:42:27,759
Speaker 1: I do what I want.

846
00:42:28,200 --> 00:42:29,040
Speaker 2: Yeah, you know what I mean.

847
00:42:29,239 --> 00:42:32,080
Speaker 1: And so like whatever that is, it's like, okay, like

848
00:42:32,160 --> 00:42:34,880
Speaker 1: I'm buying her car, you know, I told you she

849
00:42:34,920 --> 00:42:37,279
Speaker 1: said she wanted to. The Audis are real cute. I'm

850
00:42:37,320 --> 00:42:42,800
Speaker 1: like an Audi girl girl A bajillion dollars. I don't know,

851
00:42:42,920 --> 00:42:44,479
Speaker 1: it's more than whatever I'm driving now.

852
00:42:44,480 --> 00:42:46,800
Speaker 2: Or anyone else's prios No.

853
00:42:47,080 --> 00:42:48,520
Speaker 1: I told her, we talked about it. I said, she's

854
00:42:48,520 --> 00:42:51,880
Speaker 1: gonna get the typical freshman year car for a girl.

855
00:42:52,400 --> 00:42:58,000
Speaker 2: A girl classic.

856
00:42:58,840 --> 00:43:02,880
Speaker 1: I mean, it's a I'm a freshman and I just

857
00:43:03,719 --> 00:43:07,400
Speaker 1: so she got I mean, shently she was like, oh,

858
00:43:07,560 --> 00:43:09,399
Speaker 1: they are really cute. I'll say, yeah, girl, and you're

859
00:43:09,400 --> 00:43:10,520
Speaker 1: getting a certified.

860
00:43:10,120 --> 00:43:14,719
Speaker 2: Pre owned one. So Audie is like cute, She's like

861
00:43:14,800 --> 00:43:16,600
Speaker 2: anti TIPI does know about cars, so let me just

862
00:43:17,840 --> 00:43:18,560
Speaker 2: this is like a start.

863
00:43:19,920 --> 00:43:21,120
Speaker 1: So I told her, I said, you got to get

864
00:43:21,120 --> 00:43:23,480
Speaker 1: a certified pre owned hot toa civic like nothing older

865
00:43:23,520 --> 00:43:26,880
Speaker 1: than probably twenty nineteen, twenty eighteen, something between twenty eighteen

866
00:43:26,920 --> 00:43:30,600
Speaker 1: and like twenty twenty three. I told her, like, you know,

867
00:43:31,080 --> 00:43:33,239
Speaker 1: it has to be as far below twenty thousand dollars

868
00:43:33,280 --> 00:43:37,600
Speaker 1: as possible, and uh, just a bunch of other kind

869
00:43:37,640 --> 00:43:39,560
Speaker 1: of like parameters I gave her. I told her why

870
00:43:39,640 --> 00:43:42,279
Speaker 1: certified pre owned. I told her why. I gave her

871
00:43:42,440 --> 00:43:45,279
Speaker 1: like some you know, Toyota, Honda or something else like

872
00:43:45,640 --> 00:43:49,120
Speaker 1: which are really reliable cars. She chose Honda, and so

873
00:43:49,239 --> 00:43:51,520
Speaker 1: we just kind of talked through why she's getting this,

874
00:43:51,719 --> 00:43:53,239
Speaker 1: you know, like why that car is going to be

875
00:43:53,280 --> 00:43:55,080
Speaker 1: a good car for her. I also too, I sought,

876
00:43:55,080 --> 00:43:56,640
Speaker 1: I want you to be able to drive. Everyone gets

877
00:43:56,680 --> 00:43:58,480
Speaker 1: intoll like a little bit of a fender bender, and

878
00:43:58,520 --> 00:44:00,160
Speaker 1: I don't want you to be feeling like you have

879
00:44:00,200 --> 00:44:02,640
Speaker 1: this fancy car. But I also want something safe, also

880
00:44:02,719 --> 00:44:04,160
Speaker 1: something that's not going to break down in you all

881
00:44:04,200 --> 00:44:07,080
Speaker 1: the time, which handas are notorious for being really reliable

882
00:44:07,120 --> 00:44:08,799
Speaker 1: cars that don't need to be fixed all the time.

883
00:44:09,280 --> 00:44:11,480
Speaker 1: So she's excited about it. But I also told her

884
00:44:11,800 --> 00:44:14,040
Speaker 1: I will get you the car, but the insurance is

885
00:44:14,120 --> 00:44:17,680
Speaker 1: on who you and Chuck E Cheese were you working?

886
00:44:19,600 --> 00:44:21,360
Speaker 2: And so that's what she worked at, Chucky Cheese.

887
00:44:21,560 --> 00:44:26,719
Speaker 1: Yes, I know, I'm not gonna lie.

888
00:44:26,840 --> 00:44:28,359
Speaker 2: She's a nice one though, because some of these people

889
00:44:28,400 --> 00:44:29,439
Speaker 2: with chunky cheese is are.

890
00:44:29,560 --> 00:44:31,279
Speaker 1: Like no, she says, she has a good time. She

891
00:44:31,400 --> 00:44:33,760
Speaker 1: was like me, first of all, she was like tippy.

892
00:44:33,800 --> 00:44:35,520
Speaker 1: Your people don't like to tip. I'm like, who's bar people?

893
00:44:35,719 --> 00:44:38,560
Speaker 1: She's like, no, they tipping compliments Nigeria Africans. I was like,

894
00:44:38,640 --> 00:44:39,000
Speaker 1: don't do it.

895
00:44:41,160 --> 00:44:41,480
Speaker 2: She said.

896
00:44:41,480 --> 00:44:44,200
Speaker 1: They're like, oh wow, you're such a hord worker. You're

897
00:44:44,280 --> 00:44:44,960
Speaker 1: so smart.

898
00:44:45,360 --> 00:44:45,400
Speaker 2: You.

899
00:44:45,600 --> 00:44:47,640
Speaker 1: So she's like, so does that Ben?

900
00:44:49,600 --> 00:44:51,680
Speaker 2: Wait? When would you tip someone a chuck? Like is

901
00:44:51,760 --> 00:44:57,640
Speaker 2: she waiting? Ye? Managing the parties a bunch, that's stuff

902
00:44:57,640 --> 00:44:57,840
Speaker 2: to you.

903
00:44:58,120 --> 00:45:00,239
Speaker 1: But I love that right because she's the only she

904
00:45:00,320 --> 00:45:02,800
Speaker 1: hasn't really wanted for anything, and so there you know,

905
00:45:02,920 --> 00:45:05,719
Speaker 1: there's responsibility, there's like, I love what she's like, I

906
00:45:05,800 --> 00:45:07,520
Speaker 1: have to I have to call out. I got to

907
00:45:07,520 --> 00:45:12,759
Speaker 1: get coverage. I'm like, oh, look, but these are the

908
00:45:12,840 --> 00:45:15,160
Speaker 1: types of conversations you want to start to go to

909
00:45:15,200 --> 00:45:17,680
Speaker 1: have as soon as possible. But also, you know, I

910
00:45:17,800 --> 00:45:20,680
Speaker 1: try my best to talk through talk through these kind

911
00:45:20,719 --> 00:45:23,359
Speaker 1: of financial things with her, like, hey, you have money

912
00:45:23,400 --> 00:45:26,280
Speaker 1: coming in, you know, Like, cause what I'm the biggest

913
00:45:26,320 --> 00:45:28,560
Speaker 1: lessons I want her to learn is that that you

914
00:45:28,719 --> 00:45:32,040
Speaker 1: have agency over the money that that you have, but

915
00:45:32,200 --> 00:45:34,360
Speaker 1: that you should not navigate it alone. It's one of

916
00:45:34,400 --> 00:45:36,759
Speaker 1: the biggest lessons that like, I do not now this

917
00:45:36,880 --> 00:45:39,399
Speaker 1: is the person that helps me. And if you don't,

918
00:45:39,440 --> 00:45:41,439
Speaker 1: it's okay not to know what to do with your money.

919
00:45:41,920 --> 00:45:44,799
Speaker 1: And here's how you vet for smart people to help

920
00:45:44,840 --> 00:45:47,320
Speaker 1: you navigate. And here's how you make the plans ahead

921
00:45:47,320 --> 00:45:50,040
Speaker 1: of time, you know, by deciding what your goals are

922
00:45:50,160 --> 00:45:52,239
Speaker 1: and then making your money work for you. So you know,

923
00:45:52,320 --> 00:45:54,680
Speaker 1: I'm like, I'm not stressed about anymore. She's smart and

924
00:45:54,760 --> 00:45:58,239
Speaker 1: she's responsible and even if she blows some of it,

925
00:45:58,520 --> 00:46:01,120
Speaker 1: that is okay. And you know, she's not going to

926
00:46:01,200 --> 00:46:03,040
Speaker 1: be unhoused and she's not going to be hungry we've

927
00:46:03,080 --> 00:46:06,239
Speaker 1: got her, and if she I still have a pile

928
00:46:06,360 --> 00:46:08,880
Speaker 1: for her that I'm not I'm watching how she navigates

929
00:46:08,920 --> 00:46:11,279
Speaker 1: where her dad left versus what I've set aside for her,

930
00:46:11,880 --> 00:46:14,080
Speaker 1: and you know, if she makes choices that are not

931
00:46:14,160 --> 00:46:16,120
Speaker 1: the wisest, it might look like student loans, even though

932
00:46:16,160 --> 00:46:18,120
Speaker 1: I can make sure she doesn't have student loans. Sometimes

933
00:46:18,160 --> 00:46:19,359
Speaker 1: you need to learn the hard way, and then when

934
00:46:19,360 --> 00:46:22,200
Speaker 1: you're smarter, it's like, Okay, you're ready now to take

935
00:46:22,200 --> 00:46:24,120
Speaker 1: in you know the rest. So you know, but I'm

936
00:46:24,120 --> 00:46:26,760
Speaker 1: excited for this next stage for her. She's like really excited.

937
00:46:27,040 --> 00:46:32,160
Speaker 1: She wants to go to what is that called exercise science?

938
00:46:32,160 --> 00:46:36,440
Speaker 1: She wants to be theological therapist now a physical therapist.

939
00:46:36,600 --> 00:46:39,400
Speaker 2: Oh okay, yeah, well that's really great. I love that

940
00:46:39,480 --> 00:46:42,080
Speaker 2: you are letting her meet alone because also she'll be

941
00:46:42,239 --> 00:46:45,400
Speaker 2: less self conscious about asking questions, probably because she might

942
00:46:45,440 --> 00:46:49,279
Speaker 2: be like, well, Tiffany thinks I should know this. Yeah,

943
00:46:49,600 --> 00:46:51,879
Speaker 2: that's so great. I'm excited for her, and I think

944
00:46:51,960 --> 00:46:54,759
Speaker 2: this is a perfect example of like how you can

945
00:46:55,760 --> 00:46:58,520
Speaker 2: like not associate this whole NEPO baby thing that people

946
00:46:58,560 --> 00:47:00,640
Speaker 2: are talking about, like who gives you a life? I'm like,

947
00:47:01,360 --> 00:47:05,320
Speaker 2: she has like y'all work so hard, and Superman with

948
00:47:05,400 --> 00:47:07,399
Speaker 2: all the love that he had for her, made sure

949
00:47:07,440 --> 00:47:09,480
Speaker 2: that she would be okay, And like she gets to

950
00:47:10,320 --> 00:47:13,560
Speaker 2: move forward with options and move forward without that kind

951
00:47:13,600 --> 00:47:15,879
Speaker 2: of stress. And that's such an incredible gift. And I'm

952
00:47:15,920 --> 00:47:19,479
Speaker 2: so proud of Jarelle and the legacy that he left

953
00:47:19,520 --> 00:47:21,320
Speaker 2: for her, and of you guys and how you have

954
00:47:21,480 --> 00:47:24,200
Speaker 2: co parented her. I mean, she is the product. How

955
00:47:24,280 --> 00:47:26,480
Speaker 2: could she? I don't want to put pressure because she

956
00:47:26,520 --> 00:47:28,560
Speaker 2: will make mistakes, of course, and like you expect that,

957
00:47:28,719 --> 00:47:31,280
Speaker 2: but like you guys have given her the best foundation.

958
00:47:31,400 --> 00:47:33,120
Speaker 2: And I feel like at this point, I'm talking a

959
00:47:33,160 --> 00:47:35,600
Speaker 2: lot of like shit because I will probably be a

960
00:47:35,680 --> 00:47:38,279
Speaker 2: basket case if Rio ever goes out into the money

961
00:47:38,320 --> 00:47:40,040
Speaker 2: he goes out into the real world as an adult.

962
00:47:40,719 --> 00:47:44,480
Speaker 2: But like feels so good about the foundation that y'all

963
00:47:44,520 --> 00:47:47,440
Speaker 2: gave her and she is going to be if if

964
00:47:47,560 --> 00:47:50,000
Speaker 2: y'all's love and your foundation that you provided for her,

965
00:47:50,200 --> 00:47:52,239
Speaker 2: like that is the best launch pad for wherever she's

966
00:47:52,280 --> 00:47:55,520
Speaker 2: going to go in life. Yeah, yeah, it's amazing.

967
00:47:56,760 --> 00:47:59,239
Speaker 1: You still be worthy. You're like, girl, what can I

968
00:47:59,360 --> 00:48:02,359
Speaker 1: drive the car? Do you have a short? Oh? It's sure.

969
00:48:05,600 --> 00:48:11,320
Speaker 2: Well, congrat Supergirl and other graduates of twenty twenty four. Yeah, congratulations,

970
00:48:11,560 --> 00:48:12,480
Speaker 2: Pandemic babies.

971
00:48:14,880 --> 00:48:18,000
Speaker 1: I am. If you love the show, and we know

972
00:48:18,200 --> 00:48:23,080
Speaker 1: you do, go ahead and get that share button. You know,

973
00:48:23,239 --> 00:48:25,480
Speaker 1: shared this episode with somebody who needs to hear.

974
00:48:25,920 --> 00:48:27,560
Speaker 2: Also a review while you're at it.

975
00:48:27,719 --> 00:48:30,920
Speaker 1: Yes, we like those, Yes we do.

976
00:48:31,200 --> 00:48:33,319
Speaker 2: We haven't had a review in June. I'm sorry. Where

977
00:48:33,400 --> 00:48:36,680
Speaker 2: are y'all? Where where are you at? Please get on

978
00:48:36,800 --> 00:48:39,560
Speaker 2: your review game because read a check? Holding us down

979
00:48:39,640 --> 00:48:40,520
Speaker 2: since May twenty eighth.

980
00:48:41,320 --> 00:48:42,800
Speaker 1: Needs some friends.

981
00:48:43,040 --> 00:48:46,839
Speaker 2: Okay, thank you, read a check? She says, I feel

982
00:48:46,840 --> 00:48:48,880
Speaker 2: at home with this podcast. I learned loads of information

983
00:48:49,000 --> 00:48:53,440
Speaker 2: in an authentic way. It's so precious and uplifting. Love.

984
00:48:53,880 --> 00:48:54,120
Speaker 2: Thank you.

985
00:48:54,239 --> 00:48:56,040
Speaker 1: Well, yeah, she needs some reviews and join us on

986
00:48:56,080 --> 00:49:00,640
Speaker 1: Friday for b AQA. Until then, goodbye, fare well.

987
00:49:01,200 --> 00:49:05,080
Speaker 2: I'll ven and say now do I don't think too

988
00:49:05,160 --> 00:49:06,120
Speaker 2: much where we owe them money?

989
00:49:06,360 --> 00:49:08,919
Speaker 1: Just okay, bye,