Speaker 1: Hey, hey, hey, we're back. We're black, We're brown. Ambisious ambition, ambition, ambition, ambition, Managine,
Speaker 1: That's why I was a little bit late because I
Speaker 1: had just taken a shower and I was like, oh,
Speaker 1: I'm gonna wear when I'm gonna wear, so weave on
Speaker 1: this shirt.
Speaker 2: We're free balling, but not ball we're freeing.
Speaker 1: I have like underwear, but I just have like you know,
Speaker 1: just like you know what it's hot anyway, So I'm
Speaker 1: just here with a shirt on.
Speaker 2: Sin. I love that for you. And I actually have
Speaker 2: shorts on only because I had to go to my
Speaker 2: kids school. But the we were just talking about, like
Speaker 2: the underwear, the leak underwear, which you know was coming
Speaker 2: out like a few years ago, period underwear, period underwear.
Speaker 2: But I'm like, for the way that I use it,
Speaker 2: it's for leaks and squeaks and anything that should you know,
Speaker 2: just stay a little contained anyway. But like I get
Speaker 2: the big shorts. Why are we talking about this? You
Speaker 2: started it and they passed for shorts. I might take
Speaker 2: the garbage out in those sometimes to the design Thank
Speaker 2: you whoever invented them, thank you, oh man. Well, I
Speaker 2: love that we have our our sunshine oranges on today.
Speaker 2: I love this color orange that I have on with
Speaker 2: a red lip. I live. It is color combo.
Speaker 1: So that's orange. It looks yellow, does it?
Speaker 2: It's like a marigold. It's that really pretty. Do you
Speaker 2: ever see the specific color marigolds that they use an
Speaker 2: Indian culture like they always have, like the Maria color.
Speaker 1: I feel like it's the colors that I'm wearing it. It
Speaker 1: looks like, well, it could be both.
Speaker 2: Tiffany Gosh I had a whole point. She's like, some
Speaker 2: is that the color? We're going to start one of
Speaker 2: those internet memes where it's like what color is it?
Speaker 2: Is it orange?
Speaker 1: Is it yellow?
Speaker 2: Anyway?
Speaker 1: I was like, yes, curls come through.
Speaker 2: Oh thank you. She showered. It's just a little shower.
Speaker 2: Now I'm gonna have to get goddamn Rihanna's hair care too.
Speaker 2: Damn it.
Speaker 1: I know that's a good thing about having locks. I'm
Speaker 1: not gonna lie. Let's talk about the financials behind locks
Speaker 1: that in the beginning, it can be quite pricey because
Speaker 1: as your hair is locking, you have to see your
Speaker 1: locksiction more often, but as your hair locks, you see
Speaker 1: them less frequently, and quite honestly, because my hair is locked.
Speaker 1: It needs way less product even though it's like really long,
Speaker 1: because the product actually doesn't absorb into the hair because
Speaker 1: the hair is like, you know, so tightly locked together.
Speaker 1: So it gets less and less expensive. I mean, my
Speaker 1: hair is like cost me next to nothing now, but
Speaker 1: it was a lot of money to get them started.
Speaker 1: A few hundred dollars, some people even a thousand plus
Speaker 1: to get them started, or if you want sister locks.
Speaker 2: You know, as I'm thinking as you're saying that, I'm
Speaker 2: kind of realizing that I think natural like this, Sorry,
Speaker 2: all hair this is not Your hair is natural too,
Speaker 2: but like the what do you call this? I don't
Speaker 2: know currently, just as it comes out of your head.
Speaker 2: Hairstyle is like the is the hair version of people
Speaker 2: who prefer stick shift, you know, Like why would you
Speaker 2: get a car that's hard to drive, or like an
Speaker 2: old timey car that you have to, like, I don't know,
Speaker 2: pull some gizmos and gadgets to get the wipers to
Speaker 2: go on. Like some people like a hobby, and some
Speaker 2: people like something that takes a little bit more like
Speaker 2: time and effort because it's like part of their personality.
Speaker 2: And I think I do enjoy the manipulation, the creative,
Speaker 2: the creativity of like the this hair kind of style,
Speaker 2: like the versatility of it. And but that's the only
Speaker 2: place in my life where I'm like, if I'm gonna
Speaker 2: be like my husband when he washes the car. There
Speaker 2: are when I tell you about product. Don't look at
Speaker 2: black women, look at the mountain you wash cars. The
Speaker 2: number of brushes, paint brushes and dust brushes and different rags,
Speaker 2: special rag washing detergent. Yeah, various buckets. He made a
Speaker 2: whole custom cart so we can wheel all of his
Speaker 2: stuff out. It's ridunculous, but that's like his thing, that's
Speaker 2: his creative.
Speaker 1: That was my dad. Every weekend he would he would
Speaker 1: wash his car and it was a very specific process.
Speaker 1: So yeah, we have our own like you know, but
Speaker 1: I do say like when I had my fro, it
Speaker 1: was way more costly as it relates to products, because
Speaker 1: my fro was thirsty and.
Speaker 2: So I know it's very expensive. Yeah, yes, oh my.
Speaker 1: Gosh, cause that hair is like, girl, that's all you got.
Speaker 1: I need the whole bottle, Yes, you know, I need
Speaker 1: a whole bottle?
Speaker 2: What a dime sized portion of what? Girl?
Speaker 1: The laughter?
Speaker 2: We chose different paths. Okay, we did. We're gonna jump
Speaker 2: into brown Buzzworthy because there's some topics in the news
Speaker 2: that are kind of juicy juice. Should we start with
Speaker 2: market stuff or start with some fun stuff?
Speaker 1: Yes, I had seen the market. So one of my
Speaker 1: favorites named is let me see, I'm going to Better Wallet.
Speaker 1: What is his name? We had him on the show.
Speaker 2: Right better while? Oh? Mark?
Speaker 1: Yeah, yeah, Mark. I was gonna say, is his name
Speaker 1: Mark us something like that. So anyway, I love following
Speaker 1: Mark because he like really breaks down like all things market.
Speaker 2: Oh he is Wait a second, he is going to
Speaker 2: I'm gonna have to text him and say, listen to
Speaker 2: the show because he stands for you. And I disappointed
Speaker 2: him so much when I rolled up to fin Con
Speaker 2: a couple of years ago by myself and he just
Speaker 2: told me how much he loved you, and I was like,
Speaker 2: I'll pass it on. Oh anyway, that's he just had
Speaker 2: Marcus tell me what you like all about him.
Speaker 1: Don't give me a trouble. You know, I've got a
Speaker 1: boot now, not like that, you know what I mean? Anyway,
Speaker 1: his name is Mark Russell's financial coach. He has an
Speaker 1: IG account called Better Wallet. But I really like about
Speaker 1: Marcus that sometimes you like, you know, I'll look at
Speaker 1: what CNBC and all the girls are saying, but Mark
Speaker 1: breaks them in such a way that I'm like, oh,
Speaker 1: is that what they mean? Okay? So anyway, it was
Speaker 1: really geeked because I saw that he shared, like, you know,
Speaker 1: like if you had put money in the stock market
Speaker 1: in the beginning of the year, you'd be up nearly
Speaker 1: twenty five percent. So I was just like, you know,
Speaker 1: how many of us have been too afraid to get
Speaker 1: into the market because obviously that there are ups and
Speaker 1: they are downs, and there's some years that are terrible
Speaker 1: and some years that are amazing. But if you have
Speaker 1: like ten years before you actually need your money, five
Speaker 1: to ten years before you need your money, especially if
Speaker 1: you have ten years plus before you need your money,
Speaker 1: the likelihood that you're going to end on the up
Speaker 1: is significantly more likely than not. And so I just
Speaker 1: wanted to say that They're like, you know, the market
Speaker 1: is marketing and you know what's so strange though, and
Speaker 1: we talked about this before that externally they say job costs,
Speaker 1: I mean, jobs are there are so many? The job
Speaker 1: market looks good, the market is strong, and yet I
Speaker 1: don't know about you, Mandy, but there is nobody who
Speaker 1: I know that is feeling good about the economy. Although
Speaker 1: if you're looking at it from an objective standpoint, the
Speaker 1: economy is in a better place now more than ever before,
Speaker 1: when I'll say ever before, But you know, like, and
Speaker 1: yet that's not how the people are feeling.
Speaker 2: Yeah, it's such an interesting disconnect. Well, I think this
Speaker 2: is like very much. It's we've been talking about the
Speaker 2: theme for the past, like I feel maybe fifteen years
Speaker 2: and since I studied or started working as a business journalist,
Speaker 2: has been the squeezing of the middle class. And how
Speaker 2: you know, the definition of middle class is always changing,
Speaker 2: but that basically if you're not really really rich, or
Speaker 2: you're not like you know, so if you're not, it's
Speaker 2: weird comfortably poor but poor enough or earn little enough
Speaker 2: to qualify for the resources that we have, like the
Speaker 2: people in the middle especially those like on the CUSP
Speaker 2: where it's like technically the irs and the government says
Speaker 2: that I'm not struggling, so I don't qualify for support,
Speaker 2: so I got to pay for everything. And the people
Speaker 2: who are I think benefiting from times like this are
Speaker 2: people who are in the market, like business savvy people.
Speaker 2: They tend to not look like us as much as
Speaker 2: we love BA FAM and I would say the vast
Speaker 2: majority of you guys are already investing because you're listening
Speaker 2: to us, So that's a good indication. But the reality
Speaker 2: is that most people investing and benefiting from these tax
Speaker 2: breaks that have been in that are going on eight
Speaker 2: years now, that have been implemented during the Trump years.
Speaker 2: Like that's who's really profiting and who's doing really well.
Speaker 2: And plus these businesses that are charging us more under
Speaker 2: the cloak of inflation and additional labor costs, like that's
Speaker 2: all trickling down to the majority of people. I think
Speaker 2: that the question is what are we going to do
Speaker 2: with our discomfort? Because if we're getting these signs that like, oh,
Speaker 2: the economy is great and all of that, I would
Speaker 2: not you have to go off of what your personal
Speaker 2: economy is, Like you can't. I'm worried about this sense
Speaker 2: of oh, well, they're saying the economy is good, so yeah,
Speaker 2: I'll go ahead and you know, get put that on credit.
Speaker 2: Things will work out next year, yeah, or yeah, maybe
Speaker 2: I'll you know, maybe I will just stay where I'm
Speaker 2: at because I should be, you know, confident that I'll
Speaker 2: get a raise or that you know, some opportunities will
Speaker 2: come to me, and like you're not thinking strategically about
Speaker 2: your career or asking for that raise or promotion or
Speaker 2: whatever it may be. It's always got to come back
Speaker 2: to what is happening for you personally and what are
Speaker 2: your goals? And headlines are headlines? Yes, you know, because.
Speaker 1: At the end of the day, the day will end.
Speaker 1: So wow, wait, that's very very that's very like that.
Speaker 1: That's very girl podcast. I just hurt. Yes, I was
Speaker 1: gonna say.
Speaker 2: It reminds me that video of you and all the
Speaker 2: other black Lady influencers be like, at the end of
Speaker 2: the day, the day is going to end.
Speaker 1: No, okay, But.
Speaker 2: When you said the stock markets going up, I went
Speaker 2: to log into Vanguard, and I love it when it
Speaker 2: forgets who I am because that's how little I check it,
Speaker 2: which is exactly what you should be doing. I'm like, oh, Yang,
Speaker 2: good credit, how you cuter? I don't know. I don't
Speaker 2: know my password right now. I just I'll find out later.
Speaker 1: Honestly. I mean, I'm not gonna send my net worth,
Speaker 1: but I'm not gonna lie. This has been the last
Speaker 1: two years. I'm like, oh, there's been a definitely, Well.
Speaker 2: What about the increase? The percentage increase, that's what you
Speaker 2: can focus on. How much of you give it's.
Speaker 1: Going to flee. Let me see if he's going to slay.
Speaker 1: I'm logging in right now because I'm like Mandy.
Speaker 2: First of all, can we just talk about how terrible
Speaker 2: the Vanguard? Uh? I'm sure there's nice people who work there,
Speaker 2: and hey, y'all got cheap index funds and we love
Speaker 2: you for that, but like, your face.
Speaker 1: Is the their interface is the worst. What am I up? Well,
Speaker 1: I don't know. They say it's up, it's up.
Speaker 2: Because economic sense.
Speaker 1: Well I'll say this that I I don't know how
Speaker 1: to because I'm like, child, let's see what percentage is that?
Speaker 1: Because I know the number of year to date, Like
Speaker 1: what it's up?
Speaker 2: But I'm like, show you the percentage? What am I
Speaker 2: doing wrong?
Speaker 1: It is?
Speaker 2: I'm up twelve percent? That's something?
Speaker 1: But are you just like what are you invested in?
Speaker 1: Are you invested across the stork?
Speaker 2: Okay, oh that's cute. My ire my individual four one k,
Speaker 2: so my solo four one K is up twenty five
Speaker 2: point one percent, So I think that is like one
Speaker 2: hundred percent invested in the stock market.
Speaker 1: That's what I say, yes, because if you're invested in,
Speaker 1: because you have to remember that, somebody you might be
Speaker 1: looking and say, hey, I'm not invested, but it's like no, no, no,
Speaker 1: no are you. That's just like we're talking about the
Speaker 1: S and P five hundred, Like if you invested in
Speaker 1: the overall stock market, but if you have maybe some
Speaker 1: NA Video whatever that company is called, some apples and
Speaker 1: this and that, then it's going to look different. If
Speaker 1: you're just invested in like what the S and P
Speaker 1: five hundred is currently doing, then you should be up
Speaker 1: around like you said, like your your four one k
Speaker 1: about five about which is great. This is why you
Speaker 1: don't have to necessarily pick individuals. Like that's the thing,
Speaker 1: right that I think it was like the last one
Speaker 1: hundred years or so, on average, the stock market has
Speaker 1: brought back annually on the low end seven to eight percent,
Speaker 1: on the higher end ten percent, right, And so certain
Speaker 1: years it's been down, down, down. Let's just say it
Speaker 1: was down thirty percent, and we know during the recession
Speaker 1: it was hugely down. But then we have some years
Speaker 1: where it's tremendously up and so it evens its way
Speaker 1: out to about eight to ten percent. And the thing
Speaker 1: is you just have to be in it and not
Speaker 1: to take your money out when it's down and have
Speaker 1: those realized losses. But then knowing that if you're needing
Speaker 1: the money, let's just say you're needing the money to
Speaker 1: purchase home or car or retirement. The closer you get
Speaker 1: to that time of needing the money, the more you
Speaker 1: should kind of excuse yourself from the market because you
Speaker 1: don't know what year is going to hit and what
Speaker 1: year is not, you know. And so that's why I
Speaker 1: like about those target day funds that kind of like
Speaker 1: rebalance yourself for you. So if you're like my dad
Speaker 1: is eighty four, so he does not need to be
Speaker 1: heavily into the market, even though he'd be doing what
Speaker 1: he want to do, I'm like, he's like, you never know.
Speaker 1: I'm like, so eighty four, you're living on borrow time.
Speaker 2: And I'm just joking, not for today's episode, but I
Speaker 2: want to dive into senior citizens. You get mortgages and
Speaker 2: like a thirty year mortgage.
Speaker 1: I want to go to have a Mandy's.
Speaker 2: But like I get it though, you know, you know
Speaker 2: you think about that and I hate this word so much. Amortizee.
Speaker 2: I need to like warm up before I say it.
Speaker 1: Me Me, me, me, I'm still stuck one pepper.
Speaker 2: Thirty eight. Amortization. Amorization. Yes, amortorization. So that is what
Speaker 2: when you when you get a mortgage and you have
Speaker 2: your mortgage monthly mortgage payments, if you actually look at
Speaker 2: how much goes to your actual principal payment, like what
Speaker 2: you versus interest, Yeah, it's like ninety nine point nine
Speaker 2: percent is interest payments. And I'm like, oh, I get it.
Speaker 2: That's why they're giving thirty year mortgages to senior citizens, Hi, daddy,
Speaker 2: because like they're not They're like, oh, we're going to
Speaker 2: get them while they're still here. And then you're but
Speaker 2: then you're not actually creating a lot of equity for
Speaker 2: your your area family unless the market is going crazy.
Speaker 1: But it's giving fun, fact, right, is giving? Okay, I'm fever.
Speaker 2: Yeah, capitalism because I was just shocked. I'm like, dad,
Speaker 2: don't they only want you to get like a fifteen
Speaker 2: year old? It's terrible all right?
Speaker 1: Anyway, moving on, state farm agents are small business owners too,
Speaker 1: so they know how to help you choose personalized policies
Speaker 1: that fig your needs, like a good neighbor state farm
Speaker 1: is there? Talk to your local agent today. Moving on
Speaker 1: to some other shady news. So what do you know
Speaker 1: about Shean or Sheen, Sheen or she And?
Speaker 2: You said Sheen? I said she And I know that
Speaker 2: the girlies love Slash hate Shean and that if you
Speaker 2: read the news, it's pretty easy to find out that
Speaker 2: it's horrible for the environment and for people. Yes, but
Speaker 2: it's fast fashion.
Speaker 1: Yes, fast fashion. So so as of who is this,
Speaker 1: I believe this is CNBC and I'm on right, so
Speaker 1: I'm I'm literally just here today June twenty fourth, fast
Speaker 1: fashioned giant. She And has confidently filed for a public
Speaker 1: listing in London. So confidentially, I know because they're trying
Speaker 1: to be on a low look because they know people
Speaker 1: will be mad at them. So you like, so An
Speaker 1: I p O and.
Speaker 2: And oh initial public offering, girl, I'm like.
Speaker 1: I was, like I had done. That's basically when they
Speaker 1: come to market and they say, hey, we're not gonna
Speaker 1: be a private company anymore. You guys want a piece
Speaker 1: of the company, and so it's the first time a
Speaker 1: company kind of like says you can have a piece
Speaker 1: of us, and that's an initial public offering. And so
Speaker 1: they applied for one in the United States in November,
Speaker 1: but there was a lot of pushback because the girls
Speaker 1: were like, hey, one, you know you there's allegations of
Speaker 1: forced labor in your supply chain. And two I would
Speaker 1: think it was because they're also like notoriously known for
Speaker 1: like just poisoning the environment. And so now they file
Speaker 1: for one in London. I guess to see, like, well,
Speaker 1: let's see if we can have the girls buy stocks
Speaker 1: in US in London town. Just touch down in London Town.
Speaker 1: We're the hottest in the world right now. Just touch
Speaker 1: down and remember American book.
Speaker 2: Oh I know that song, but I don't know what
Speaker 2: you raise me, take me, That's.
Speaker 1: What she says. Just touch down in London Town anyway.
Speaker 1: But yeah, so, so how do you feel about that?
Speaker 1: Because I feel conflicted? I am, because it's almost like
Speaker 1: follow me with this weirdest analogy and I'm a good
Speaker 1: for word. That's analogy. It's like when the girlies will
Speaker 1: loose balloon release balloons because their loved ones, you know,
Speaker 1: or graduation or whatever, and then you find out that
Speaker 1: the balloons land in the ocean, so then you feel bad,
Speaker 1: and so it's like, okay, so the girlies are like,
Speaker 1: I want to look cute, but child, the way my
Speaker 1: budget is budgeting, I need to stick within a tight budget,
Speaker 1: and so I can give me a two dollars three
Speaker 1: dollars four dollar piece of shine, okay, but unfortunately that
Speaker 1: piece of sine is likely going to like lay in
Speaker 1: a landfill, you know, not be able to be absorbed
Speaker 1: back into the into nature. And allegedly, you know, they
Speaker 1: don't treat their people very well, like they they I
Speaker 1: think I saw it was on Instagram. It was like
Speaker 1: these machine workers sleeping in the factories. Very reminiscent of
Speaker 1: like the twenties when people used to work in factories
Speaker 1: and you know in New York and you know, until
Speaker 1: they can like caught fire and burn down.
Speaker 2: Or do they produce that I'm assuming in Asia, in
Speaker 2: China and China, I mean China is like the capital
Speaker 2: and many countries like the other outside of the US
Speaker 2: and beyond, like many places like or the capital of
Speaker 2: you know, child labor abuse, adult labor, just labor practice,
Speaker 2: horrible labor practices in general. I think that well, first
Speaker 2: of all, San deserves all this negative attention, but it
Speaker 2: did not invent fast fashion. So can we talk about
Speaker 2: old navy? We talked about Target. Sorry in advance for Target,
Speaker 2: but sorry not sorry because the quality. I have had
Speaker 2: to stop buying Target, like basic brand stuff because the
Speaker 2: quality is so shite. I can actually like the sweaters
Speaker 2: all like the little like cause they swap out their
Speaker 2: looks with every season and almost like every month there's
Speaker 2: new looks and it makes you want to like get
Speaker 2: new stuff. But I have found that when I am
Speaker 2: donating clothes, bags and bags of like shitty Target stuff
Speaker 2: to them is another one.
Speaker 1: Although it was like hmmm yeah, Sam, yeah forever twe
Speaker 1: low key high key Zara.
Speaker 2: Oh Zara can sometimes too, so yeah, it definitely is
Speaker 2: on a Shan problem. It's just a consumerism problem. Like
Speaker 2: we are the fast fashion industry and the Internet and
Speaker 2: influencers and the TikTok halls.
Speaker 1: You've seen the halls they were like, oh I got
Speaker 1: these three hundred pieces and I mean low key, high key.
Speaker 1: I am part of the problem. I'm sorry. Mother Beyonce
Speaker 1: had us all where the silver and there was uptick
Speaker 1: of silver being sold and then did you hear later
Speaker 1: how it was all trickled his way down to the
Speaker 1: good of the wheel and all those other drift shops.
Speaker 1: All of our silver, I mean, some of my top
Speaker 1: is there and my sneakers.
Speaker 2: Wait you sent that to That was a hot little
Speaker 2: haulter top. You donated that, Yeah.
Speaker 1: Because I'm like, it's not really me. My back was
Speaker 1: at you know, I was swinging on one of.
Speaker 2: It looks like you.
Speaker 1: Way, I know what I I just say all that
Speaker 1: to say it is a struggle, right, because it's like,
Speaker 1: not that I can't afford better quality clothes, but certainly,
Speaker 1: you know, back in the day, people you know, you
Speaker 1: had a handful of clothes because you like made them,
Speaker 1: and there was a hole. I remember distinctly, if there
Speaker 1: was a hole, my mother would would like she would
Speaker 1: do the laundring, you know that. What is it called,
Speaker 1: like the sewing, you know, like once a week, like socks, yeah,
Speaker 1: the dot Yeah. But now it's just like tossome. And
Speaker 1: I remember I had an awakening and I don't know
Speaker 1: why I never thought about this before. It was maybe
Speaker 1: like a few years back. I was in Burlington co
Speaker 1: Factory and I was looking for something and I just looked,
Speaker 1: and the one I was in in New Jersey was
Speaker 1: so huge, and it was Rose and Rose and Rose
Speaker 1: and Rose and Rosa clothes. And for the first time ever,
Speaker 1: I thought to myself, there's no way all of these clothes,
Speaker 1: even most of them, are going to be sold. Where
Speaker 1: did they go? It was the first time I ever
Speaker 1: thought about that. I thought, where do all these clothes
Speaker 1: that will never be sold go? And then I thought,
Speaker 1: this is just one Burlington in this, you know, in Newsey,
Speaker 1: in this one town in New Jersey. What about the
Speaker 1: Burlington two towns over and the other one another? And
Speaker 1: how many Burlington's and not to pick on Burlington, but
Speaker 1: how many of them nationwide? And then how many and
Speaker 1: then Targets and how many other stores? And I got
Speaker 1: like a pang in my heart of like wow, like
Speaker 1: so much waste. And so I am trying I reach
Speaker 1: out to my friend Jessica and to Mongo. She's like
Speaker 1: the first black woman to travel to every recorder, to
Speaker 1: travel to every country in the United and in the world,
Speaker 1: and then also every state in the United States, and
Speaker 1: then every something else. She did too. I kept every continent,
Speaker 1: so she's been to every continent every state, every country,
Speaker 1: the first black woman in period.
Speaker 2: To do all that. Wow.
Speaker 1: Anyway, So I love the way Jessica dresses really comfortable,
Speaker 1: a really beautiful, very afrocentric chic, and I said, girl,
Speaker 1: I want to upgrade my style. And I think with
Speaker 1: my new kindo and new place, Mandy, I want to
Speaker 1: be mindful of not having a ton of stuff, of
Speaker 1: really picking things that I enjoy and then I can
Speaker 1: wear again and again and so yeah, because I'm like,
Speaker 1: I don't want to be part of the Yes.
Speaker 2: On the other hand, I'm like, the fight against stuff
Speaker 2: is just it is like it's like a curse upon us.
Speaker 2: This is just like that we're we're going to be
Speaker 2: fighting our parents' stuff because you know, they come from
Speaker 2: the generation that love the stuff, and I think that
Speaker 2: we are repeating a lot of those same mistakes, just
Speaker 2: in different ways. You know, my mom and her my
Speaker 2: former step dad, like they would love buying infomercial stuff,
Speaker 2: like we had the like individual egg like little thing
Speaker 2: to make yeah, and like little like the the vacuum
Speaker 2: ceiling was like a huge thing and like the chopping
Speaker 2: thing that could chop the ca like onions like yeah,
Speaker 2: and that m hm, and like we make a lot
Speaker 2: of fun like, Okay, Boomer, but this is the same
Speaker 2: shit on TikTok. Do you know that people are obsessed
Speaker 2: with literally like ice cube trays. Now I go to
Speaker 2: home goods and I can see what's on TikTok because
Speaker 2: it's all on the wall. It's like, do I need
Speaker 2: flower ice cubes and honeybeecomb ice cubes and the letter
Speaker 2: G ice cubes? It's all gonna melt like and you
Speaker 2: have to have the storage containers for those things, and
Speaker 2: just yeah, I think it's it's important to be conscious
Speaker 2: conscious of it. At the same time, it is so
Speaker 2: overwhelming to try to be good for the environment, you know,
Speaker 2: like good for sustainability, and wow, why are the firefighters?
Speaker 1: Like what did she do?
Speaker 2: That happened with Dshaw? What if she was on the
Speaker 2: show Dsha Dyer whatever? I think I did double thumbs
Speaker 2: up and that's what And I don't even know what
Speaker 2: I was thumbing up.
Speaker 1: But cyber a whole request of that. Why do we need.
Speaker 2: Blame chat GPT? Like that's just the root of all
Speaker 2: evil Right now, you guys can check out YouTube for
Speaker 2: what the heck just happened on my screen? Okay, any who.
Speaker 2: I think it's good to have the conversations. I can
Speaker 2: only do so much, and so the small things every
Speaker 2: day that I do to try to not be a problem.
Speaker 2: Is composting for me is a way easier problem. So
Speaker 2: like by taking my kitchen scraps, and I have my
Speaker 2: little jar of kitchen scraps that my husband loves to
Speaker 2: like complain about, but I don't care because I'm like,
Speaker 2: I am putting it back in the earth, and this
Speaker 2: is my little thing. And I will try to not
Speaker 2: buy stuff that I don't need in terms of like clothing,
Speaker 2: but I could say the same for these kids toys
Speaker 2: and all this like plastic coming into the house and
Speaker 2: oh my gosh. But my thing with like clothing is
Speaker 2: I have to make peace with needing to buy new
Speaker 2: clothes sometimes at my price point, because my body is
Speaker 2: changing and I'm not comfortable in clothes that I was
Speaker 2: three years ago. I'm not one of those people who
Speaker 2: can say I've had this since I was in the
Speaker 2: third grade and look it still fits. My friend Julie
Speaker 2: came over and every time I'm like, oh, it's a
Speaker 2: cue jumpsuit, She's like, oh, this whole thing I've had
Speaker 2: this for like seventeen years. I'm like, I just I'm
Speaker 2: happy for you. But I was like, yeah, I don't
Speaker 2: have that.
Speaker 1: I can't I can't fit jeans I had six months ago.
Speaker 2: Yeah, no, amen and amen, amen, amen. And you don't
Speaker 2: want to walk around uncomfortable, And it's like, what am
Speaker 2: I going to feel so shitty about myself because like
Speaker 2: this is bad for the environment, But like I just
Speaker 2: really need a pair of shorts like that don't ride
Speaker 2: up my ass and make my thighs chafe. I just
Speaker 2: want to like walk with dignity into the world, into
Speaker 2: the stopping shop, you know what I mean. Yeah, So
Speaker 2: it's a balance. So I feel you guys, if you're
Speaker 2: listening and you're like, God cannot live and you know,
Speaker 2: but just just food for thought, don't let it.
Speaker 1: Yeah, just something to think about as you're buying, think about.
Speaker 1: We're not here to judge. I get it, you know.
Speaker 1: I'm like, you know, I get it. I want to
Speaker 1: not destroy this world at the same time figure out
Speaker 1: how to live in it while I'm currently here.
Speaker 2: So yeah, just give yourself grace and give each other grace,
Speaker 2: all right, And then a quick little pop culture buzzy well,
Speaker 2: you say it's pop culture, it's more like a sports
Speaker 2: pop sports.
Speaker 1: Char call Richardson.
Speaker 2: She runs real fast, real fast in a sport that
Speaker 2: you're gonna tell us about.
Speaker 1: Ah, it's track, honey, which one is it?
Speaker 2: The fact? Like the short one? I think?
Speaker 1: So I never see her? Yeah, I mean she might have.
Speaker 1: I don't know if I've ever seen her relay, but
Speaker 1: it's it's pretty short from what I could tell. She's
Speaker 1: not long distance track. She's like explosive, which is like
Speaker 1: the exciting one sprint. So she she made the so
Speaker 1: for I saw all the clips, you know, everything's on ig.
Speaker 1: I saw the clip. I guess she got out of
Speaker 1: the block pretty slowly. But she made up for baby
Speaker 1: because she won the race that qualified her to go
Speaker 1: to the Paris Olympics. I don't know if this is
Speaker 1: her first time going. I don't know, but I.
Speaker 2: Really thought this was the Olympics, not me being like,
Speaker 2: oh she go congrat Oh well so oh so she It.
Speaker 1: Was like a qualification, yes, right now, everybody's qualifying to
Speaker 1: get into the Paris Olympics.
Speaker 2: It was this summer is it that last minute? Is
Speaker 2: it summer Olympics or winter? It's got to be summer.
Speaker 2: I do not know.
Speaker 1: So let me see, girl, you got me. Let me
Speaker 1: get to googleing. When is the Olympics?
Speaker 2: Oh? You know what I always remember because when Enrique
Speaker 2: and I started to date, it was during the Olympics
Speaker 2: of twenty twelve, and we went on my birthday that
Speaker 2: was in August.
Speaker 1: Okay, okay, so it's the end of July there, Friday,
Speaker 1: July twenty sixth to August eleventh.
Speaker 2: Wow. Core memory. Okay, so that's very last minute. That's exciting.
Speaker 1: Okay, Oh, you're giving boomerades right now. I'm supposed to
Speaker 1: be the one who's like, what what happened?
Speaker 2: Now?
Speaker 1: So yeah, that's really great because you know, remember remember
Speaker 1: she got this qualified before because somebody being important to
Speaker 1: her passed away. I think it was her mother passed
Speaker 1: away and she smoked a little something something, oh John,
Speaker 1: if you will, and then you know, as a result,
Speaker 1: she you know, she owned it. It was like, you know,
Speaker 1: I knew I wasn't supposed to, but quite honestly, I
Speaker 1: was really struggling. Young woman made a mistake, owned up
Speaker 1: to it. You know a lot of people came down
Speaker 1: on her, and you know, she didn't do well for
Speaker 1: a few races after that, if I remember correctly, But
Speaker 1: since then she's been on fire and our girl is
Speaker 1: back and so yeah, you know, people love to bring
Speaker 1: you up. But what I love about it is that
Speaker 1: she gets it now. She's like, she's not so invested
Speaker 1: in Chad. Y'all put me up on your shoulders before
Speaker 1: and then you threw me down the moment that I
Speaker 1: had trouble so you could keep all that. Yeah, I'm
Speaker 1: you know, I edified myself.
Speaker 2: Okay, oh, very smart, because goddamn, like they just some
Speaker 2: of the mayor in Baltimore released like one hundred thousand
Speaker 2: or pardoned one hundred thousand inmates who had low level
Speaker 2: marijuana offenses or whatever possession offenses, and the tides are changing.
Speaker 2: But I still feel like in the in the public's eye,
Speaker 2: when a black woman or black man you know, smokes,
Speaker 2: it is still not as like accept did or you know,
Speaker 2: it's still more frowned upon them, more likely to be
Speaker 2: criticized than you know. Elon Musk, who has you know,
Speaker 2: talked about like his love for drugs or whatever.
Speaker 1: Girl the girls be out here doing muscle, all kind
Speaker 1: of foolishness, all kind of ski slopes, snowing all kinds.
Speaker 2: Of trailers for euphoria.
Speaker 1: I know what they do, girl, I please. I went
Speaker 1: to I we to Westfield High School. I saw what
Speaker 1: they do. Okay, yeah, I had intentions.
Speaker 2: I know what. You know, you can do a little
Speaker 2: wed you know.
Speaker 1: Then, I mean, I ain't doing nothing of that stuff
Speaker 1: because I was scared. I have African parents at home.
Speaker 1: But you know, yeah, it's just a shame. And then
Speaker 1: you think about the financial ramifications of not having people
Speaker 1: home for something like that. But yeah, so we are
Speaker 1: proud of you. Shakiri Shakaari, Shakari Richardson, Miss ma'am, go
Speaker 1: ahead onto the it's gonna between you and the Jamaicans
Speaker 1: because you know the make us be a little fast, honey,
Speaker 1: may be all fast. I ain't gonna lie either way
Speaker 1: as long as you black or want you away you
Speaker 1: know what, non black to win. It's just that, like
Speaker 1: I'm mooty for everybody black, so everybody, Yeah, should we
Speaker 1: take up breaky mm hmm.
Speaker 2: Good note for Tanya. When that happens, Can you just
Speaker 2: edit out us tripping over each other? That's always I
Speaker 2: like it, you do, listen, it's annoying. I think no
Speaker 2: I think we don't do it very often, and we
Speaker 2: do it often do it? I don't know. I'm very
Speaker 2: I'm always self conscious of it and I'm like, dang,
Speaker 2: where's our rhythm? Like we off the rhythm double Dutch.
Speaker 1: Keep keep all of this in listeners. You tell us
Speaker 1: if do you hate it, like oh my god, you
Speaker 1: guys are always tripping over each other, or you're like, no, girls,
Speaker 1: so cute little one two one two, and then you
Speaker 1: guys get back on track. So we're gonna leave all
Speaker 1: of that in and you're gonna let us know and
Speaker 1: our DMS Branda Vision podcast on our g and just
Speaker 1: say like, girl, you fine, or like actually I hate it,
Speaker 1: but keep it cute because we do black. I mean,
Speaker 1: you could be honest, but honestly I mean nasty.
Speaker 2: Yeah, I talk to Perry. Fame is never nasty. I
Speaker 2: think it only happens when I get too caught in
Speaker 2: my own head and I get in like an anxious
Speaker 2: state and I forget to just like talk to you
Speaker 2: because I'm thinking about, oh, it should come next. I
Speaker 2: just need to be a little more present.
Speaker 1: No, and also a girl, it's humane, Like, I mean,
Speaker 1: you know, when you talk to people sometimes we're both
Speaker 1: thinking to talk at the same time. It's natural. So anyway, yay, fam,
Speaker 1: you got a little behind the scenes. So we will
Speaker 1: be back and blacker than ever with our what did
Speaker 1: it not be a q A with our phone boost?
Speaker 1: We are back, y I fam, All right, we're gonna
Speaker 1: do and now it's time to boost up, break up,
Speaker 1: boost up, break up, boost up? Break Are you gonna boost?
Speaker 1: Are you gonna break? What you're gonna do? What you're
Speaker 1: going to were boosting a breaking? And you want to
Speaker 1: go first, you want to go second.
Speaker 2: I can go first since you did all the work
Speaker 2: involved with singing us in with backing vocals somehow at
Speaker 2: the same time, she is a multi hyphen it. I
Speaker 2: want to give myself a big brown boost because outside
Speaker 2: of like having kids and needing to prepare meals for
Speaker 2: them on the weekend, when I'm like, oh dang, three
Speaker 2: meals a day plus next there's a lot of work,
Speaker 2: I feel very adult in those moments. I'm like, when
Speaker 2: did I become a grown up? I have a new
Speaker 2: milestone of like, holy shit, I am a grown up.
Speaker 2: I filed a grievance against my tax assessment, my property
Speaker 2: assessment of my house. So for those of you who
Speaker 2: are homeowners, you may live in a state where well
Speaker 2: a lot of most states have property taxes, right like,
Speaker 2: there's no zero percent property tax states are there? I
Speaker 2: don't know could I move there if there is? But anyway,
Speaker 2: you pay property taxes based on the assessed value of
Speaker 2: your home. So I don't know what kind of methods
Speaker 2: these towns municipal offices used to like determine. They probably
Speaker 2: are on zillo like the rest of us, like figuring
Speaker 2: out what your home is worth, and that is directly
Speaker 2: what influences how much you pay in your annual taxes.
Speaker 2: My taxes, our taxes are insane. I know Jersey has
Speaker 2: high property taxes as well, but I think my husband
Speaker 2: and I are looking at like sixteen thousand a year
Speaker 2: just in property taxes. And it's wild. Anyway, the annoying
Speaker 2: thing is that once a year you will get a
Speaker 2: letter or usually in the Atlasma you just got yours.
Speaker 2: Oh look at you.
Speaker 1: Okay, I'm literally opening right now to be like what
Speaker 1: kind I'm own bout goheay?
Speaker 2: So our property, it has gone up and up and
Speaker 2: up and up every year, and we always miss the
Speaker 2: little window to file a grievance. It's usually so for us,
Speaker 2: it was between June first through the eighteenth and the
Speaker 2: way I showed up and on June eighteenth with that
Speaker 2: piece of paper and all the application that you need
Speaker 2: or whatever. But I did it, and now it was
Speaker 2: it was not as scary of a process as I thought.
Speaker 2: I thought I'd have to like stand up and defend
Speaker 2: my home. But this is like the first step in
Speaker 2: the process. So yeah, if you've received one of these letters,
Speaker 2: check them out and actually do the grievance. I'm very
Speaker 2: interested to see if we'll actually like get our assessment down.
Speaker 2: I know it's good, like for example, if I wanted
Speaker 2: to get a home equity loan or I wanted to
Speaker 2: sell my home, it's nice having a higher home value,
Speaker 2: right because you'll get more profit. But in terms of
Speaker 2: like just staying in your home, which I know a
Speaker 2: lot of homeowners are because rates are so high, like
Speaker 2: your taxes are going up, and I don't know. In
Speaker 2: my neighborhood, there's lots of flips, Like people will come
Speaker 2: in they just write next door to me, they built
Speaker 2: like a nine hundred thousand dollars home, which is twice
Speaker 2: the value of many of the homes on my block
Speaker 2: that they were purchased for and so that they will
Speaker 2: look at the comps like next to you and say, well,
Speaker 2: then you know, we'll increase your property to by like
Speaker 2: twenty orth sorry, your assessment by like twenty or thirty
Speaker 2: thousand dollars. And it's not always fair, it's not always right,
Speaker 2: but big points for me being a grown up.
Speaker 1: Yeah, I love that, and I'm looking like mine amount.
Speaker 1: Dude says three thy nine hundred, So say three thousand
Speaker 1: times four, it's twelve thousand dollars. I'm like it was
Speaker 1: just ten thousand last year, so it's going up for girl.
Speaker 2: Oh so that's so what you got is you're like,
Speaker 2: you pay quarterly then quarterly yep, okay, they just put
Speaker 2: it on our more. They just put it on our
Speaker 2: mortgage bill monthly.
Speaker 1: Wh I got a mortgage carl?
Speaker 2: Oh that's right, So that's all you pay? Yeah, gotcha?
Speaker 2: When we don't feel very bad, girl, bo'ts are. But
Speaker 2: it is based on your assessed value. So like has
Speaker 2: your assessed value?
Speaker 1: Yeah up up, yeah yeah, because all these houses are
Speaker 1: selling for I'm like not a million dollars in our neighbor.
Speaker 1: I mean don't get me wrong, I'm happy about it.
Speaker 1: But at the same time, I will say what I
Speaker 1: have heard because a friend of mine did it. She
Speaker 1: had an attorney help, so I may actually reach out
Speaker 1: because one of my friends is a real estate attorney
Speaker 1: and that helps significantly. So I'm going to see because
Speaker 1: it has been going. Like when I first moved here, girl,
Speaker 1: it was eight thousand, and now we're at twelve, five
Speaker 1: years later. It's cristy, so we fittishy. So I just
Speaker 1: literally work in Newark. Yeah, And meanwhile, Newark is actually
Speaker 1: Essex County apparently, or Newark in particular. Now Essex County
Speaker 1: actually has some of the lowest which I'm like, this
Speaker 1: is low because, for example, like East Orange next to me,
Speaker 1: Like when I was looking for homes similar size in Newark,
Speaker 1: it would be like six to eight thousand dollars in Newark,
Speaker 1: and an East Orange would be twelve thousand or in
Speaker 1: Orange Orange and the Stars, which I'm like, wow. And
Speaker 1: apparently there's some reasons that come into that that, like
Speaker 1: a lot of the businesses have what does that thing
Speaker 1: when you don't have to pay taxes for a while,
Speaker 1: not probate.
Speaker 2: To pay tax now a while yeah, I forget.
Speaker 1: There's like a word for somebody right now is screaming
Speaker 1: at the saying the word. I'm like, whatever, gir I
Speaker 1: can't hear you. So whatever.
Speaker 2: It is.
Speaker 1: Basically, in order to attract businesses to certain cities, sometimes
Speaker 1: they'll waive their taxes for like however many years and
Speaker 1: apparently and it's either an Orange or East Orange. They
Speaker 1: did it for so long that they have to get
Speaker 1: so much money from the people who own homes and
Speaker 1: it's just crazy. So Newark has a lot of businesses,
Speaker 1: I guess to offset, so our taxes as far as
Speaker 1: Essex County go is some of the lowest of like
Speaker 1: in our county. But still I'm my girl anyway, I guess.
Speaker 2: So if you're wondering, like if you're a homeowner, you're
Speaker 2: listening and you're wondering how to check to see if
Speaker 2: you can file a grievance, just google the name of
Speaker 2: your town and county and Grievance Day because that's what
Speaker 2: it's called. Grievance Day is the day. And for us
Speaker 2: at least it was a couple of weeks over that
Speaker 2: period we could have submitted it. But you need to
Speaker 2: submit it because if you missed a grievance day, then
Speaker 2: that's your biggest window to like combat it. And then
Speaker 2: after that you may have to take on an attorney
Speaker 2: or there's actually like real realist realtors who also like
Speaker 2: have as a freelance offering. They will offer to file
Speaker 2: a file a late grievance or whatever and like appear
Speaker 2: in court and we're at the town municipal office to
Speaker 2: to argue against your assessment. So it's a grown up stuff,
Speaker 2: but we gotta do that.
Speaker 1: We gotta do it well. Mine is I guess it
Speaker 1: is a booze. Yeah, it's a boost. So Supergirl has
Speaker 1: graduated high school. But now she went to prom. She
Speaker 1: looks so beautiful a prom. She's such a pretty girl.
Speaker 1: She went to prom and that was great and expensive girl,
Speaker 1: and then she she went to We just actually just
Speaker 1: went to her graduation the other day and then she
Speaker 1: had her party here. So she had proms send off
Speaker 1: at her mom's house and then she had her party here.
Speaker 1: It was actually last night, so she had like her
Speaker 1: family come earlier and then she had her friends come later.
Speaker 1: So you know that was cool, and so was it
Speaker 1: when it came to it was I mean, you know
Speaker 1: they're seventeen eighteen, so you know, I could keep it
Speaker 1: like baby because the backyard that shair is all like
Speaker 1: laid out. I mean I was here, okay, I was
Speaker 1: leaving the kids alone, even though like at twelve thirty
Speaker 1: day was outside just talking talking. I was like, we
Speaker 1: have neighbors, Galo. I had to come out in my
Speaker 1: auntie robe and Lena like opened the front door and
Speaker 1: Lena against the doorjam. They just looked at They're like, ooh,
Speaker 1: I'm so sorry. She texted me this morning. She was like,
Speaker 1: I'm so sorry Tiffany for my friends. I truly apologized.
Speaker 1: I was like, oh, I'll look at her all sweet.
Speaker 1: But no, they were like really respectful, nice kids. They
Speaker 1: were just outside like talking like you know, unempolieding. I
Speaker 1: no job, you know, they were just like I said, girl,
Speaker 1: go tell your friends to get out my front lawn.
Speaker 1: But we are now like So she did get some
Speaker 1: scholarships for school. Her father left her money. I have
Speaker 1: money for her too, So navigating the financial component for
Speaker 1: her her is interesting because I want her. You know,
Speaker 1: it's hard because she's seventeen, so soon she turns eighteen.
Speaker 1: The way the state works is that if you lose
Speaker 1: a parent, many times they will hold your your your
Speaker 1: the child's money and trust if the parent has left
Speaker 1: any sort of like life insurance, which which Jerrelle did,
Speaker 1: so they'll hold that money in trust for the for
Speaker 1: the child, and then in New Jersey it just gives
Speaker 1: it to them when they turn eighteen, which I feel
Speaker 1: like is so young, you know, you know, because it's
Speaker 1: like she could do whatever and it's not a little
Speaker 1: bit of money. And so I am having her thankful
Speaker 1: because she turns eighteen in October, so we have some
Speaker 1: months away. So she's meeting with my financial advisor. It's Angelie.
Speaker 1: It's something that she offers to the children of her clients.
Speaker 1: Oh she's got to have a Yeah, several conversations, but
Speaker 1: by herself, like a Jelie and I have already spoken
Speaker 1: about what we thought it was best practices for what
Speaker 1: should happen next, but I think it's important. I spoke
Speaker 1: to Melissa's mom you know me, and you know, we've
Speaker 1: been cool. We talked about like what do we think
Speaker 1: we shoul to do and she was like, honestly, Tiffany,
Speaker 1: I think that if you meet with her and Angelie
Speaker 1: at the same time, she's got to turn off her
Speaker 1: brain because she's going to say, there's an adult in
Speaker 1: the room. Tiffany got it, and so Angelie actually agreed too.
Speaker 1: I was like, oh, that's really that was really great
Speaker 1: feedback from her mom. So we both talked about it,
Speaker 1: and she's like, I think she should meet with her
Speaker 1: separately because she's really smart, because she's gonna be like, wait,
Speaker 1: it's just me, let me focus and take notes. So
Speaker 1: I'm looking forward to that. Actually have to convict. I'm
Speaker 1: gonna I'm going to connect them via text this week
Speaker 1: so they can schedule a call because I want onto
Speaker 1: a few things. I want Angelie to look at, like,
Speaker 1: you know, the school that she's going to. I want
Speaker 1: her to also look at the scholarship that she got,
Speaker 1: to really dissect the award letter to tell Alyta, this
Speaker 1: is how much is coming to you, and here is
Speaker 1: some some things you can do to make the most
Speaker 1: of that money, you know. And so I was stressed
Speaker 1: about it. I'm like, oh, what does she choose to
Speaker 1: in correctly? But I'm like, girl, I finally had to
Speaker 1: let that go because all I can do is I
Speaker 1: never understood my dad would say sometimes I could do
Speaker 1: is advise. Sometimes he would say that to us when
Speaker 1: he was just like, I cannot at this big grown age,
Speaker 1: I can't tell you what to do. And then not
Speaker 1: that she's an adult, cause she's only seventeen. But ultimately
Speaker 1: when she turned to eighteen, it's her money. Yeah, and
Speaker 1: you know, one of the things Angelie said that she
Speaker 1: highly suggests is that to set aside a nice little
Speaker 1: piece of it, you know, not a quarter of it,
Speaker 1: but a little chunk that Alissa basically can do whatever
Speaker 1: she wants with to ease some of that. It's my money.
Speaker 1: I do what I want.
Speaker 2: Yeah, you know what I mean.
Speaker 1: And so like whatever that is, it's like, okay, like
Speaker 1: I'm buying her car, you know, I told you she
Speaker 1: said she wanted to. The Audis are real cute. I'm
Speaker 1: like an Audi girl girl A bajillion dollars. I don't know,
Speaker 1: it's more than whatever I'm driving now.
Speaker 2: Or anyone else's prios No.
Speaker 1: I told her, we talked about it. I said, she's
Speaker 1: gonna get the typical freshman year car for a girl.
Speaker 2: A girl classic.
Speaker 1: I mean, it's a I'm a freshman and I just
Speaker 1: so she got I mean, shently she was like, oh,
Speaker 1: they are really cute. I'll say, yeah, girl, and you're
Speaker 1: getting a certified.
Speaker 2: Pre owned one. So Audie is like cute, She's like
Speaker 2: anti TIPI does know about cars, so let me just
Speaker 2: this is like a start.
Speaker 1: So I told her, I said, you got to get
Speaker 1: a certified pre owned hot toa civic like nothing older
Speaker 1: than probably twenty nineteen, twenty eighteen, something between twenty eighteen
Speaker 1: and like twenty twenty three. I told her, like, you know,
Speaker 1: it has to be as far below twenty thousand dollars
Speaker 1: as possible, and uh, just a bunch of other kind
Speaker 1: of like parameters I gave her. I told her why
Speaker 1: certified pre owned. I told her why. I gave her
Speaker 1: like some you know, Toyota, Honda or something else like
Speaker 1: which are really reliable cars. She chose Honda, and so
Speaker 1: we just kind of talked through why she's getting this,
Speaker 1: you know, like why that car is going to be
Speaker 1: a good car for her. I also too, I sought,
Speaker 1: I want you to be able to drive. Everyone gets
Speaker 1: intoll like a little bit of a fender bender, and
Speaker 1: I don't want you to be feeling like you have
Speaker 1: this fancy car. But I also want something safe, also
Speaker 1: something that's not going to break down in you all
Speaker 1: the time, which handas are notorious for being really reliable
Speaker 1: cars that don't need to be fixed all the time.
Speaker 1: So she's excited about it. But I also told her
Speaker 1: I will get you the car, but the insurance is
Speaker 1: on who you and Chuck E Cheese were you working?
Speaker 2: And so that's what she worked at, Chucky Cheese.
Speaker 1: Yes, I know, I'm not gonna lie.
Speaker 2: She's a nice one though, because some of these people
Speaker 2: with chunky cheese is are.
Speaker 1: Like no, she says, she has a good time. She
Speaker 1: was like me, first of all, she was like tippy.
Speaker 1: Your people don't like to tip. I'm like, who's bar people?
Speaker 1: She's like, no, they tipping compliments Nigeria Africans. I was like,
Speaker 1: don't do it.
Speaker 2: She said.
Speaker 1: They're like, oh wow, you're such a hord worker. You're
Speaker 1: so smart.
Speaker 2: You.
Speaker 1: So she's like, so does that Ben?
Speaker 2: Wait? When would you tip someone a chuck? Like is
Speaker 2: she waiting? Ye? Managing the parties a bunch, that's stuff
Speaker 2: to you.
Speaker 1: But I love that right because she's the only she
Speaker 1: hasn't really wanted for anything, and so there you know,
Speaker 1: there's responsibility, there's like, I love what she's like, I
Speaker 1: have to I have to call out. I got to
Speaker 1: get coverage. I'm like, oh, look, but these are the
Speaker 1: types of conversations you want to start to go to
Speaker 1: have as soon as possible. But also, you know, I
Speaker 1: try my best to talk through talk through these kind
Speaker 1: of financial things with her, like, hey, you have money
Speaker 1: coming in, you know, Like, cause what I'm the biggest
Speaker 1: lessons I want her to learn is that that you
Speaker 1: have agency over the money that that you have, but
Speaker 1: that you should not navigate it alone. It's one of
Speaker 1: the biggest lessons that like, I do not now this
Speaker 1: is the person that helps me. And if you don't,
Speaker 1: it's okay not to know what to do with your money.
Speaker 1: And here's how you vet for smart people to help
Speaker 1: you navigate. And here's how you make the plans ahead
Speaker 1: of time, you know, by deciding what your goals are
Speaker 1: and then making your money work for you. So you know,
Speaker 1: I'm like, I'm not stressed about anymore. She's smart and
Speaker 1: she's responsible and even if she blows some of it,
Speaker 1: that is okay. And you know, she's not going to
Speaker 1: be unhoused and she's not going to be hungry we've
Speaker 1: got her, and if she I still have a pile
Speaker 1: for her that I'm not I'm watching how she navigates
Speaker 1: where her dad left versus what I've set aside for her,
Speaker 1: and you know, if she makes choices that are not
Speaker 1: the wisest, it might look like student loans, even though
Speaker 1: I can make sure she doesn't have student loans. Sometimes
Speaker 1: you need to learn the hard way, and then when
Speaker 1: you're smarter, it's like, Okay, you're ready now to take
Speaker 1: in you know the rest. So you know, but I'm
Speaker 1: excited for this next stage for her. She's like really excited.
Speaker 1: She wants to go to what is that called exercise science?
Speaker 1: She wants to be theological therapist now a physical therapist.
Speaker 2: Oh okay, yeah, well that's really great. I love that
Speaker 2: you are letting her meet alone because also she'll be
Speaker 2: less self conscious about asking questions, probably because she might
Speaker 2: be like, well, Tiffany thinks I should know this. Yeah,
Speaker 2: that's so great. I'm excited for her, and I think
Speaker 2: this is a perfect example of like how you can
Speaker 2: like not associate this whole NEPO baby thing that people
Speaker 2: are talking about, like who gives you a life? I'm like,
Speaker 2: she has like y'all work so hard, and Superman with
Speaker 2: all the love that he had for her, made sure
Speaker 2: that she would be okay, And like she gets to
Speaker 2: move forward with options and move forward without that kind
Speaker 2: of stress. And that's such an incredible gift. And I'm
Speaker 2: so proud of Jarelle and the legacy that he left
Speaker 2: for her, and of you guys and how you have
Speaker 2: co parented her. I mean, she is the product. How
Speaker 2: could she? I don't want to put pressure because she
Speaker 2: will make mistakes, of course, and like you expect that,
Speaker 2: but like you guys have given her the best foundation.
Speaker 2: And I feel like at this point, I'm talking a
Speaker 2: lot of like shit because I will probably be a
Speaker 2: basket case if Rio ever goes out into the money
Speaker 2: he goes out into the real world as an adult.
Speaker 2: But like feels so good about the foundation that y'all
Speaker 2: gave her and she is going to be if if
Speaker 2: y'all's love and your foundation that you provided for her,
Speaker 2: like that is the best launch pad for wherever she's
Speaker 2: going to go in life. Yeah, yeah, it's amazing.
Speaker 1: You still be worthy. You're like, girl, what can I
Speaker 1: drive the car? Do you have a short? Oh? It's sure.
Speaker 2: Well, congrat Supergirl and other graduates of twenty twenty four. Yeah, congratulations,
Speaker 2: Pandemic babies.
Speaker 1: I am. If you love the show, and we know
Speaker 1: you do, go ahead and get that share button. You know,
Speaker 1: shared this episode with somebody who needs to hear.
Speaker 2: Also a review while you're at it.
Speaker 1: Yes, we like those, Yes we do.
Speaker 2: We haven't had a review in June. I'm sorry. Where
Speaker 2: are y'all? Where where are you at? Please get on
Speaker 2: your review game because read a check? Holding us down
Speaker 2: since May twenty eighth.
Speaker 1: Needs some friends.
Speaker 2: Okay, thank you, read a check? She says, I feel
Speaker 2: at home with this podcast. I learned loads of information
Speaker 2: in an authentic way. It's so precious and uplifting. Love.
Speaker 2: Thank you.
Speaker 1: Well, yeah, she needs some reviews and join us on
Speaker 1: Friday for b AQA. Until then, goodbye, fare well.
Speaker 2: I'll ven and say now do I don't think too
Speaker 2: much where we owe them money?
Speaker 1: Just okay, bye,