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Speaker 1: It's time for the b a qa a.

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Speaker 2: The ba qa which said b q a man good,

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Speaker 2: the ba qa which a fine let b a qa a.

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Speaker 1: So what is baqa? For the people who've never been

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Speaker 1: here before?

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Speaker 3: Where you been? Welcome friends? The Baqa is a very

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Speaker 3: special bonus episode of ba that comes out on Fridays,

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Speaker 3: and we answer your questions because we have a bajillion

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Speaker 3: of them from y'all. You can ask us anything career,

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Speaker 3: finance related, business related. Just remember that we are not

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Speaker 3: your financial advisors, your investment advisors, anyone that you pay

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Speaker 3: to actually give you advice, which means we're just making

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Speaker 3: up things based on our own intelligence. So I say,

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Speaker 3: get your salt shakers out and take it with a

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Speaker 3: huge grain of salt. Whatever we say. But there's no

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Speaker 3: getting around it. We are some smart brown women. Okay,

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Speaker 3: So we love the segment. If y'all want to and

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Speaker 3: that's your questions, you can go to Brandonambission podcast dot

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Speaker 3: com and ask us anything, or you can slide into

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Speaker 3: our dms on ig. We are at brand Ambission Podcast

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Speaker 3: and send us a question there.

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Speaker 1: Do you want the first question?

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Speaker 3: I didn't take a breath.

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Speaker 2: You read it.

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Speaker 3: There's a lot of talking here.

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Speaker 2: This is from Ashley from ig Hey, Mandy, I was

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Speaker 2: one of your first Mandy money makers. Woo woo. We

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Speaker 2: love a stand of Mandy. Thank you so much for

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Speaker 2: all that you've done and taught me. My question today

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Speaker 2: is how can I protect myself from identity theft? This

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Speaker 2: morning I woke up to new emails about small business

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Speaker 2: social security account update and a purchase of two new iPhones.

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Speaker 2: Please help, Ashley, do you have to pay for credit security?

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Speaker 3: Ooh wow, something's going on there, Like they're saying, yeah,

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Speaker 3: your social security account has been updated, purchase of two

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Speaker 3: new iPhones. The first thing I do whenever I get

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Speaker 3: those emails is check the email address that it came from,

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Speaker 3: because I just, for example, I just started to advertise

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Speaker 3: on Facebook a week ago and I got the most

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Speaker 3: legitimate looking email about my AD's account being in violation

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Speaker 3: of their rules, which is like one of the It

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Speaker 3: can happen all the time with your when you're doing ads.

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Speaker 3: It's really easy to like upset the Facebook gods. And

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Speaker 3: you don't want to do that because then you waste

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Speaker 3: money in time anyway, And I was almost like, I

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Speaker 3: need to click this link and figure out what I've done,

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Speaker 3: but it just something about it, like the formatting. And

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Speaker 3: so I checked the email address and it was like

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Speaker 3: from an Outlook account, you know. So I think the

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Speaker 3: first thing for to secure yourself is to be aware

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Speaker 3: of what phishing attempts look like, which seems so old school,

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Speaker 3: but they still happen, you know, So check that email address.

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Speaker 3: You can also hover over any hyperlinks and see where

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Speaker 3: it's actually trying to direct you to. And if it's

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Speaker 3: not to, you know, a legitimate website, then I would

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Speaker 3: just say, excuse me, immediately kick it to spam or

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Speaker 3: to junk. That's how I feel about email. But now

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Speaker 3: it's come into your text do you get do you

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Speaker 3: get fishing? Text now?

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Speaker 1: Girl?

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Speaker 2: Yes?

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Speaker 1: Talking about this the irs, I'm like, girls, so you texted.

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Speaker 3: Now, I'm like, with your lack of funding right now?

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Speaker 2: So no, first and foremost that like whatever I get

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Speaker 2: to Mandy's point, you know, I checked the email to say, like,

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Speaker 2: who's the email at just coming from? And then typically

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Speaker 2: I'll call the company directly if that's available to me

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Speaker 2: to call the company directly. But one thing I had

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Speaker 2: to do so when my late husband was still here.

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Speaker 2: His I don't know why but they used to steal

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Speaker 2: that man's, that poor man's identity all the time. Like

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Speaker 2: literally one time they bought a car and we only

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Speaker 2: knew because they they were like based in I don't know,

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Speaker 2: like upstate New York someplace far where they were getting

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Speaker 2: tickets from easy Paths and so they were.

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Speaker 3: Going on tour with Janelle's name, Jerelle's name, and then

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Speaker 3: got a loan or.

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Speaker 2: Something something, and then they were get like, you know,

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Speaker 2: they had an easy Pass account they put in his

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Speaker 2: name and was not paying the ticket, so we were

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Speaker 2: getting easy Pass tickets.

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Speaker 1: That's how we found out. It was just a mess.

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Speaker 2: I would say at least three times when I was

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Speaker 2: with him and he said it happened before, Like I'm like,

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Speaker 2: so I'm assuming that his probably information was on some

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Speaker 2: crazy you know, like what it's like the dark web,

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Speaker 2: you know, and so they're probably just swapping it out.

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Speaker 2: Plus two, Jerell's an identical twin. His twins name is Terrell,

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Speaker 2: so you have Jerrell Smith Terrell Smith, both born on

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Speaker 2: the same day, and so oftentimes they would see each

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Speaker 2: other's things on each other's credit reports, because that happens

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Speaker 2: too with juniors. Oftentimes that will happen, especially if you're

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Speaker 2: in the same house. Your dad is a senior, you're

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Speaker 2: a junior, but you're both named Robert Smith and you

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Speaker 2: live at the same place. So sometimes you'll see your

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Speaker 2: stuff on each other's credit report. But it happens with

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Speaker 2: twins who have similar names too.

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Speaker 3: Oh really, so what would they do then? Would they

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Speaker 3: have to like dispute it or yeah?

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Speaker 2: Girl?

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Speaker 3: They was like whatever.

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Speaker 1: I was like, this is why your credits are like whatever.

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Speaker 2: So when I came along, I said, bab we got

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Speaker 2: do something about this because this is crazy. So we actually,

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Speaker 2: this is not sponsored.

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Speaker 1: Or anything like that.

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Speaker 2: They haven't give me any money like as budgety Store

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Speaker 2: or Brownhibition. We actually signed up for LifeLock.

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Speaker 1: And it stopped it instantly.

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Speaker 3: Tell me about LifeLock or these Yeah, because I haven't

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Speaker 3: I have never invested in something like that.

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Speaker 2: I can't remember how much LifeLock costs because now I

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Speaker 2: just like, haven't automated. I think at the time it

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Speaker 2: was like maybe like ten bucks a month. Maybe it's

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Speaker 2: a little bit more now maybe twenty bucks or something.

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Speaker 1: Whatever it is.

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Speaker 2: So we got LifeLock, signed up for it, and what

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Speaker 2: I like about LifeLock is even for me. I remember

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Speaker 2: once I went to go open up a bank account

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Speaker 2: at like my regular bank or whatever, and the bank

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Speaker 2: was like, we're not able to and I'm like why,

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Speaker 2: And then I got a text from LifeLock saying someone

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Speaker 2: was trying to open up a bank account. If that's you,

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Speaker 2: click yes, If that's you, click no, and I was like, oh,

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Speaker 2: that's right, So I had to approve. So I would

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Speaker 2: get a text or email and typically it's a text,

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Speaker 2: email and phone call to say any new card, any

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Speaker 2: new bank account, any new debt that I'm trying to

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Speaker 2: get into. LifeLock would me up and say is this you,

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Speaker 2: which you know like sometimes if you forget like me,

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Speaker 2: which I always forget, and I'm like, why can't you

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Speaker 2: open it?

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Speaker 1: I'm like, oh, that's right. So that's one thing like LifeLock.

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Speaker 2: But also too you can go directly to like Experience

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Speaker 2: Equofax TransUnion and you can actually freeze. I did this

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Speaker 2: with Jirell after he passed away. My financial advisor Angelie

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Speaker 2: said right away, Tiffany, because when people know that someone

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Speaker 2: passed away, they know you're in grief, and they will

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Speaker 2: sometimes attack that person's you know, financial credit and background

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Speaker 2: and just start using it up. So I went into

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Speaker 2: each of those specific accounts and froze his credit. And

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Speaker 2: you can freeze and unfreeze, but I froze it obviously indefinitely,

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Speaker 2: so no one can open up anything in his name.

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Speaker 2: And I just am not paying attention because it's not me,

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Speaker 2: and so that's.

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Speaker 3: Something so sparker too. I did that now I'm remembering

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Speaker 3: because I was telling Tiffan, like, I think I'm pretty

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Speaker 3: delinquent with my identity, but I did do the credit freeze.

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Speaker 3: This was I mean think for Equifax data breach back

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Speaker 3: in twenty sixteen really spooked me. But I mean there's

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Speaker 3: so many. It's just so many data breaches they can't

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Speaker 3: even keep It's not even that big of a news

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Speaker 3: anymore because it just happens all the time. But yeah,

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Speaker 3: credit freeze is. And I remember then I started shopping

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Speaker 3: for a mortgage, and I was annoyed by it because

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Speaker 3: I'm like, damn it, I got to unfreeze and all that.

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Speaker 3: So now that I'm not shopping for a mortgage, I did.

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Speaker 3: You can thaw it, and then it's just annoying because

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Speaker 3: you have to like thaw it at the bureaus where

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Speaker 3: your loan, your lender is gonna request to chut it,

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Speaker 3: you know, but I think it's totally worth it because

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Speaker 3: why wouldn't you want to have that extra layer of protection,

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Speaker 3: you know, because like even opening a cell phone, you

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Speaker 3: can't do that if you have a credit freeze nothing.

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Speaker 2: So a credit freeze to me is if you know

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Speaker 2: you're not getting anything for a while and something like

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Speaker 2: this has happened, you can freeze just to stop any activity.

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Speaker 2: Let's just say your stuff is in a dark web,

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Speaker 2: I'm freezing it for the next two months, no one

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Speaker 2: is gonna and then after that, if you don't want

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Speaker 2: the issue, like Mandy said, the thaw and freeze, saw

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Speaker 2: and freeze, you can get like a LifeLock or some

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Speaker 2: similar type of company where before anything happens, you know,

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Speaker 2: you get the text or the call.

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Speaker 1: You just have to prove. And so those two things.

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Speaker 2: Honestly, since then, you know, Jirell's identity stopped being stolen,

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Speaker 2: and I never had my identity stolen. But I signed

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Speaker 2: up because I was like, well, we're here now, because

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Speaker 2: you could do like a family plan, and so my

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Speaker 2: identity has never been stolen, which is you know there have.

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Speaker 1: Been things on there.

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Speaker 2: They're like, I don't recognize this, and I realized, like, oh,

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Speaker 2: the company sometimes has a different working name than a

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Speaker 2: doing business name.

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Speaker 1: And I'm like, ah, that was me.

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Speaker 3: Oh god, I've been there. I'm like, I would never

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Speaker 3: spend that much. Meanwhile, it's like, yeah, the little those

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Speaker 3: four am Instagram scrolls they always get me with their kids'

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Speaker 3: shoes ads. Oh man, what else do I was, Oh,

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Speaker 3: there's something else? So oh, A friend of a friend

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Speaker 3: recently lost eight thousand dollars right before Christmas, right before

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Speaker 3: the holiday season, through like it was a phone called

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Speaker 3: tech scam. And so it started with text messages from

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Speaker 3: her bank. Was City Bank texting her and it looked

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Speaker 3: really legit, and then they escalated to calling her and

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Speaker 3: we're so convincing that she ended up giving her account

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Speaker 3: information over the phone, and then they drained her not hurt,

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Speaker 3: and it was her checking account, which is really painful,

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Speaker 3: you know, because with your checking account it's sometimes harder

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Speaker 3: to get those funds back. And it was a zell or. Sorry,

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Speaker 3: she didn't give them account information, she zelled them. She

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Speaker 3: zeld them. And if you guys know anything about Zell,

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Speaker 3: one of the pieces of controversy is that you know,

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Speaker 3: you go through these steps when you send a transfer

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Speaker 3: where they're like, be sure you know this person, because

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Speaker 3: if you don't, we are not covering you. Because if

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Speaker 3: it's you who hits the submit button and you know

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Speaker 3: what you're doing, like, we are not libable libable, we're

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Speaker 3: not liable for funds that you lose. So she was

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Speaker 3: I think she's still fighting to maybe get that eight

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Speaker 3: grand back. But she's like a single mom, and you know,

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Speaker 3: it's a lot of money to lose. So if they're

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Speaker 3: asking you for zell, you deserve to be asking for

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Speaker 3: every ounce of proof, and banks probably will not be

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Speaker 3: doing that. I would just say that first and foremost.

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Speaker 3: And then she ended up I think something struck her

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Speaker 3: as odd. And then she called City herself, and they

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Speaker 3: were like, oh no, oh no. So if they're if

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Speaker 3: they're saying that they're from City, don't bother about inconveniencing them, Like,

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Speaker 3: don't worry about that, you know, hang up, say cool,

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Speaker 3: you can call me back before they want this eight

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Speaker 3: grand and call your own number directly.

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Speaker 1: That's the key.

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Speaker 2: One of the women that we know, I think her

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Speaker 2: name is Shannon she lost her house down payment because

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Speaker 2: they have the scam where you know, when you make

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Speaker 2: the transfer, like the wire transfer when you're purchasing at home,

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Speaker 2: and so what they'll do is they'll you're they'll send

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Speaker 2: you a fake bank like, hey, I know, we said

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Speaker 2: this is the wire number. This is actually the updated

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Speaker 2: wire number. She did not know because it looked official.

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Speaker 2: Because what they do is they like mimic what your

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Speaker 2: bank sends, and she sent it, and wires are notorious

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Speaker 2: that once it's gone, is gone. They had me social

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Speaker 2: because you know, I bought my house cash five hundred

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Speaker 2: and twenty thousand dollars.

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Speaker 1: That can't go to the wrong person. So what I

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Speaker 1: did was I'm mosy my way on down to the.

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Speaker 2: Bank and said look me in there, and that's when

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Speaker 2: we did the wire on the phone.

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Speaker 1: Like so the key with that is always, always always.

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Speaker 2: I didn't call the number that was on the paper

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Speaker 2: and we're making the transfer if I think I had

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Speaker 2: the money and like Ally or something like that, and

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Speaker 2: I was transferred to like their bank was like Wells

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Speaker 2: farg or whatever that like I call, I go to

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Speaker 2: the Ally website and called that number there.

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Speaker 1: I never the key with anybody.

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Speaker 2: Sometimes somebody is telling you something financial, even if it

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Speaker 2: seems up to I don't, like, I want to hang up,

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Speaker 2: and I'm just gonna call back because I'd rather call

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Speaker 2: back the official number so I know for sure that like, oh,

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Speaker 2: this is who I'm speaking to, versus like who is this?

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Speaker 2: So that was key I was, but I was still

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Speaker 2: nervous because you know, you just you just feel like

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Speaker 2: you never know, you never know. So thankfully, you know,

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Speaker 2: like it all worked out, because that would have been

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Speaker 2: like you would have seen a weeping willow of a tiffany,

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Speaker 2: like I love that.

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Speaker 3: And when it's wired and it's gone, you know, Canaries

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Speaker 3: or you know, some other country and you can't get

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Speaker 3: that back. Man, what else? Two factor authentication is huge,

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Speaker 3: or any accounts that you have, because I feel like

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Speaker 3: you break into my Gmail, you have my life, you

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Speaker 3: know everything about me. So two factor authentication, these these

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Speaker 3: basic practices. But I'm glad at least that your like

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Speaker 3: spidey sense has perked up enough to ask, because that

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Speaker 3: is wild and credit monitoring you can I think she said,

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Speaker 3: what did she ask? Is credit thought she has something

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Speaker 3: about a credit card. Maybe that's the next question. Anyway,

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Speaker 3: with your credit card. It's smarter to just, you know,

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Speaker 3: in general, buy big things with your credit card or

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Speaker 3: or use your credit card for most purchases if you

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Speaker 3: know you can do that responsibly because you do have

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Speaker 3: Most credit cards offer zero dollar fraud liability, so if

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Speaker 3: there is fraud and it's on your credit card, then

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Speaker 3: they will cover it, you know, no questions ask, Whereas

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Speaker 3: with your debit card, some of them have limits on

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Speaker 3: how much they'll cover or limits on you have to

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Speaker 3: catch it and poured it within a certain time frame

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Speaker 3: like thirty to sixty days, and if you don't, then

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Speaker 3: there's less of a chance that they'll be able to

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Speaker 3: recover the funds for you. So that's why there's like

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Speaker 3: a bit of a case for using credit versus debit

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Speaker 3: for any big, you know, purchases and things like that.

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Speaker 3: But yeah, stay stay vigilant, y'all, stay woke. Two factor authenticate,

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Speaker 3: look up the email addresses, call them directly. That's our

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Speaker 3: last that's a good summary, summarized summarration. I can't talk summation,

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Speaker 3: recap of our of our of our advice. We're really

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Speaker 3: really smart, trust us. Okay, cool, let's take a break.

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Speaker 3: It's like I'm gonna get the next one.

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Speaker 2: Mannis stop, get down, we take a break, Russa, pay

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Speaker 2: some bills and be right back in black.

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Speaker 1: And we're back.

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Speaker 2: Man.

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Speaker 1: You got the next question? Yes?

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Speaker 3: Sorry, This comes from listener Jelisa Jalsa says, Hey, Tiffany, Amandra.

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Speaker 3: I hope it's okay to call you Mandra. Yes, of course,

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Speaker 3: I love you both so much. My name is Jalisa,

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Speaker 3: like Jalisa from a different Yes.

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Speaker 1: Girl.

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Speaker 3: I first let me say I love Love Love the documentary.

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Speaker 3: I'm sure she's talking about Tiffany's documentary. Was it called again?

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Speaker 1: I'm get Smart form plenty, get.

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Speaker 3: Smart with Money. And Arianna, who was Tiffany's mentee, is

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Speaker 3: me I need some advice from my financial girlfriends. Sorry,

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Speaker 3: but it's going to be a long one, Julisa, We've

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Speaker 3: seen longer, but it's okay. I'm a little over ten

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Speaker 3: k in debt. It's a mix of credit and a

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Speaker 3: credit card, IRS and a personal loan. Before researching, I

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Speaker 3: opened a BT a BT credit card and was approved

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Speaker 3: for eighty five hundred dollars zero percent interest for eighteen

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Speaker 3: months with a three percent balance transfer fee. I wasn't

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Speaker 3: aware that you cannot transfer debt from one account to

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Speaker 3: another within the same bank.

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Speaker 2: Yes. Important.

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Speaker 3: I work a part time job that gives me an

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Speaker 3: extra four to sixty seven a month, and my full

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Speaker 3: time job gives me an extra two hundred dollars a

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Speaker 3: month after bills have been paid. My question is should

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Speaker 3: I put everything except the one credit card on the beat?

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Speaker 2: Oh?

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Speaker 3: I know what BT is? Balance transfer? I'm like, what

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Speaker 3: bank is BT? I'm caught up. Now Should I put

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Speaker 3: everything except one credit card onto the balance transfer credit

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Speaker 3: card and work on paying them both down? Or go

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Speaker 3: back to the basics and use the debt snowball method?

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Speaker 3: Thank you so much for all you do. Okay, So

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Speaker 3: she has ten k in debt. It's a mix of

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Speaker 3: credit card IRS, personal loan. She has gotten approved for

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Speaker 3: up to eighty five hundred dollars on the zero percent

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Speaker 3: balance transfer card. Okay, she's not going to be able

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Speaker 3: to transfer all of that because some of it comes

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Speaker 3: from the same bank. This is very important. Tell them

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Speaker 3: about it, Tiff. The whole balance transfer thing.

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Speaker 2: So, balance transfers are when you have, like ideal you

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Speaker 2: have one card that the interest rate you're paying interest

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Speaker 2: on it, and the ideal situation is that you get

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Speaker 2: another card that I can cover what you are on

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Speaker 2: the first card, but they give you no interest payments

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Speaker 2: for ideally more than a year, So her credit score

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Speaker 2: must be pretty decent. They gave her eighteen months because

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Speaker 2: that's like one of the highest that you can get.

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Speaker 2: And I think that's what I had gotten when I

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Speaker 2: made my balance transfer, which is great, which means let's

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Speaker 2: just pretend like she was able, like you know, the

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Speaker 2: math is easy. Where she owed ten thousand on this

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Speaker 2: one card and a different bank, and she has a

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Speaker 2: balanced transfer card of eighty five hundred. She makes the

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Speaker 2: transfer over to the eighty five hundred. Some of it

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Speaker 2: will still stay on the old car, you know, the

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00:16:32,320 --> 00:16:35,360
Speaker 2: fifteen hundred or whatever left, but now she can every

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Speaker 2: sense that she gives to the new card actually goes

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Speaker 2: to the money owed. So that's the benefit. That's how

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Speaker 2: I was able to get that. You know, remember my

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Speaker 2: my friend who's in jail now, who you know? I had,

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Speaker 2: the jake, the thief who oh he's a child. Well

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Speaker 2: he was in jail temporarily. I don't know IF's still

359
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Speaker 2: in jail, let's hope. So he left me thirty five

360
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Speaker 2: thousand dollars in credit card debt and how I was

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Speaker 2: able to pay it off is I got a couple

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Speaker 2: of balanced transfer cards and transfer the thirty five thousand

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Speaker 2: to those cards so I can focus on just paying

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Speaker 2: the principle, not the principle and the fees and the interest,

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Speaker 2: you know, And it took me about three years to

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Speaker 2: do so. So one, you're you know, you're in pretty

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Speaker 2: decent shape to start.

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Speaker 3: But what the thing is like you have to be

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Speaker 3: careful because like her, yes, you may not know you

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Speaker 3: can't transfer money from this, like you can't get a

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Speaker 3: Chase balance transfer card and transfer money from another Chase card.

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Speaker 3: Banks use this as a tool to get new business.

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Speaker 3: They don't want your old business, Like are your old

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Speaker 3: news girl? We got you for twenty three point nine

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Speaker 3: to nine apl already, We're not going to give you

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Speaker 3: zero percent. No, but Wells Fargo, but Bank of America,

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00:17:38,440 --> 00:17:40,520
Speaker 3: these other banks they will offer. So you have to

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Speaker 3: be careful to think ahead. Okay, you want to apply

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Speaker 3: for BT at a totally different issue or a totally

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Speaker 3: different bank.

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Speaker 2: Sorry to interrupt, No, no, so I just so if

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Speaker 2: it was me, because it was me, I would transfer. Well. One,

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Speaker 2: be careful with balance tress for cards too, because sometimes

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Speaker 2: at the end of the eighteen months you have not

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Speaker 2: paid it off, it not only jumps to whatever the

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Speaker 2: new interest rate is, but all the interests might come

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Speaker 2: due from the very beginning. So be careful, careful, careful,

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Speaker 2: Ja Lisa, Like, what are the terms? Because mine was

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Speaker 2: one of those. So I said, Tippany, I don't care

390
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Speaker 2: what you do, Sis, you got to get this money

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Speaker 2: off this card in the eighteen months that they've given you,

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Speaker 2: or you're not going to owe. You're not going to

393
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Speaker 2: owe the twenty percent on like the balance that's left over.

394
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Speaker 2: You're going to owe the twenty percent on the original

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Speaker 2: balance you transferred over, which is sempre.

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Speaker 1: So be careful of that too.

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Speaker 2: But I would honestly transfer over all that I could

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Speaker 2: and then pay my zero percent interest. I would make

399
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Speaker 2: that card the priority. I would still do the snowball method,

400
00:18:38,840 --> 00:18:41,160
Speaker 2: but I would make that, you know that the priority

401
00:18:41,240 --> 00:18:43,600
Speaker 2: to pay down and pay off as quickly as possible,

402
00:18:43,680 --> 00:18:45,840
Speaker 2: since all your money is going directly to what you owe.

403
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Speaker 2: But I would ask myself, only transfer over what I

404
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Speaker 2: know I could pay off in eighteen months, you know, like,

405
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Speaker 2: so like.

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Speaker 3: Just to the math because I was one.

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Speaker 1: I was, go ahead, girl, do that math mind if

408
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Speaker 1: I do?

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Speaker 3: Illow me so eighty five hundred over eighteen months, that's

410
00:19:02,480 --> 00:19:05,000
Speaker 3: four seventy two a month. So you have almost exactly

411
00:19:05,080 --> 00:19:06,880
Speaker 3: what you need from your part time job to make

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Speaker 3: that a priority and pay it down. But the key

413
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Speaker 3: is if you let one month go by, then it's

414
00:19:12,600 --> 00:19:15,480
Speaker 3: going to get more expensive and more expensive. And you

415
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Speaker 3: and I have been there. I got a balance transfer

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Speaker 3: credit card for more than that, and I was like,

417
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Speaker 3: whoo who I didn't think I didn't use the whole balance,

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Speaker 3: But then it feels like a place you can put

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Speaker 3: things because it's zero percent, and then before you know it,

420
00:19:28,040 --> 00:19:30,040
Speaker 3: you just rack up more and more. So it's and

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Speaker 3: even for me, I know better. You know it got

422
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Speaker 3: a little got a little hairy. So you have to

423
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Speaker 3: be super disciplined, like immediately set up that auto payment

424
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Speaker 3: so that you're not winding up eighteen months from now,

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Speaker 3: because it'll sneak up on you, like Tiffany said, with

426
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Speaker 3: a balance, because imagine if you even had like one

427
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Speaker 3: dollar and then they're like, yeah, morel we'll take that

428
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Speaker 3: twenty something percent of eighty five hundred and add it

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Speaker 3: on and we'll keep you forever.

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Speaker 1: Yes, Well, what you could do is this is not

431
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Speaker 1: the idea.

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Speaker 2: You could do another balance transfer like a month before

433
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Speaker 2: for that like that, that would be the worst case scenario.

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Speaker 2: If you still say, like a thousand hours that you

435
00:20:05,119 --> 00:20:07,240
Speaker 2: just don't have it, you could say, hold up, I'm

436
00:20:07,280 --> 00:20:09,320
Speaker 2: going to do another balanced transfer knowing that I'm not

437
00:20:09,359 --> 00:20:11,119
Speaker 2: actually going to have it to get yourself out of that.

438
00:20:11,200 --> 00:20:13,159
Speaker 2: But you don't want to be jumping, like you know,

439
00:20:13,640 --> 00:20:15,879
Speaker 2: from balance transfer card to balance transfer card. But that

440
00:20:16,000 --> 00:20:17,680
Speaker 2: is definitely like for those of you who are listening

441
00:20:17,720 --> 00:20:20,280
Speaker 2: who are like, uh haha, I'm in that position where

442
00:20:20,920 --> 00:20:22,159
Speaker 2: you know, like I thought I was going to be

443
00:20:22,200 --> 00:20:24,159
Speaker 2: a paid off, I'm not. Then, you know, look for

444
00:20:24,359 --> 00:20:26,600
Speaker 2: your This is why keeping your credit score decent is

445
00:20:26,640 --> 00:20:29,760
Speaker 2: so critical because that's going to dictate how good of

446
00:20:29,920 --> 00:20:31,920
Speaker 2: terms you're going to get with your balanced transfer card.

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00:20:33,000 --> 00:20:36,760
Speaker 3: Yeah, one hundred percent. Yeah, anything else? I mean she

448
00:20:36,840 --> 00:20:38,639
Speaker 3: said to say she has a mix of credit between

449
00:20:38,680 --> 00:20:42,000
Speaker 3: her credit card IRS and a personal loan. I would

450
00:20:42,040 --> 00:20:44,080
Speaker 3: feel like the personal loan probably isn't that high of

451
00:20:44,119 --> 00:20:46,119
Speaker 3: an interest, so definitely, like TIF said back, you know,

452
00:20:46,600 --> 00:20:48,800
Speaker 3: use it for your credit card debt first. And foremost

453
00:20:49,480 --> 00:20:51,200
Speaker 3: and kind of treat it like if you have extra

454
00:20:51,280 --> 00:20:53,360
Speaker 3: room after you add the credit card debt, then add

455
00:20:53,760 --> 00:20:55,720
Speaker 3: you know, either the IRS debt or the personal loan.

456
00:20:56,240 --> 00:20:58,960
Speaker 3: Can you wait, you can't transfer IRS debt? How does

457
00:20:59,000 --> 00:20:59,360
Speaker 3: that work?

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00:21:00,440 --> 00:21:02,000
Speaker 2: Charge? I think you would charge it. You would have

459
00:21:02,040 --> 00:21:05,119
Speaker 2: to call your the credit card company like is it

460
00:21:05,200 --> 00:21:07,159
Speaker 2: a roll over or do you just charge it?

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00:21:07,240 --> 00:21:07,840
Speaker 1: You see what I mean?

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00:21:08,600 --> 00:21:10,960
Speaker 3: So yeah, because with with balance transfers, I remember you

463
00:21:11,080 --> 00:21:13,240
Speaker 3: have to tell them how much from your bank, your

464
00:21:13,840 --> 00:21:15,840
Speaker 3: how much from your credit card you're transferring, what the

465
00:21:15,920 --> 00:21:18,159
Speaker 3: bank name is, and your account, and then they'll go

466
00:21:18,280 --> 00:21:21,720
Speaker 3: and grab it. I don't even think that I RS

467
00:21:21,760 --> 00:21:25,639
Speaker 3: would qualify unless you just use Yeah, unless you just

468
00:21:25,800 --> 00:21:28,399
Speaker 3: pay what with your credit card? And then that's another

469
00:21:28,520 --> 00:21:31,760
Speaker 3: three percent processing fee. Probably the IRS probably charge charges

470
00:21:31,760 --> 00:21:34,920
Speaker 3: of processing fee. Yeah, not to really be careful about that.

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00:21:35,280 --> 00:21:37,200
Speaker 2: So here's the thing, Like I think the biggest thing

472
00:21:37,280 --> 00:21:40,040
Speaker 2: that you take away from this is that even when

473
00:21:40,160 --> 00:21:43,240
Speaker 2: you're like planning on doing good things, there's map it

474
00:21:43,320 --> 00:21:47,080
Speaker 2: out on paper, like okay, balance transfer, you know what

475
00:21:47,160 --> 00:21:48,720
Speaker 2: happens if I don't pay it after eighteen months?

476
00:21:48,720 --> 00:21:50,119
Speaker 1: Like I used to literally have a notebook for like

477
00:21:50,200 --> 00:21:53,119
Speaker 1: these kind of choices, can I do this? Let me

478
00:21:53,200 --> 00:21:54,480
Speaker 1: call the company see if I can do that.

479
00:21:54,600 --> 00:21:58,040
Speaker 2: So that way before I make the move of like

480
00:21:58,200 --> 00:21:59,720
Speaker 2: doing something that's going to put a little ding on

481
00:21:59,720 --> 00:22:02,480
Speaker 2: my credit card, I can decide this actually makes sense.

482
00:22:02,680 --> 00:22:05,600
Speaker 2: So certainly, j Lisa, we're proud of you for taking steps.

483
00:22:05,920 --> 00:22:09,000
Speaker 2: But just know, moving forward, as you have these questions,

484
00:22:09,080 --> 00:22:10,800
Speaker 2: what's so great is that you can ask the balance

485
00:22:10,840 --> 00:22:13,600
Speaker 2: strengthsfer card people whomever you know, like, here are my

486
00:22:13,720 --> 00:22:16,360
Speaker 2: questions I can decide doesn't even make sense to make

487
00:22:16,680 --> 00:22:19,840
Speaker 2: to make this decision, you know, just moving forward, but

488
00:22:20,000 --> 00:22:22,520
Speaker 2: these are questions you can still ask to make the

489
00:22:23,480 --> 00:22:25,520
Speaker 2: best choice of what money should go on their card and.

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00:22:25,560 --> 00:22:29,240
Speaker 3: Have absolutely But thank you so so much to Lisa.

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00:22:29,400 --> 00:22:31,320
Speaker 3: I kind of want to call you KAlSi, but Julisa

492
00:22:31,359 --> 00:22:32,199
Speaker 3: will do no, heir.

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00:22:32,440 --> 00:22:33,639
Speaker 2: I remember a Different World that used to be my

494
00:22:33,680 --> 00:22:35,639
Speaker 2: girlj Lisa. Remember she used to date Sindbad that was

495
00:22:35,680 --> 00:22:37,240
Speaker 2: her boyfriend on I.

496
00:22:37,600 --> 00:22:39,960
Speaker 3: Watch a Different World like that, which one waster Lisa

497
00:22:40,320 --> 00:22:40,840
Speaker 3: Lisa was?

498
00:22:41,040 --> 00:22:43,200
Speaker 2: She wasn't I'm trying to think was she in the

499
00:22:43,280 --> 00:22:46,320
Speaker 2: later episodes? I feel like I think so anyway, she

500
00:22:46,400 --> 00:22:47,879
Speaker 2: was kind of like the ra. I don't know if

501
00:22:47,880 --> 00:22:50,399
Speaker 2: you remember she had like shortthir okay, she was a

502
00:22:50,440 --> 00:22:52,399
Speaker 2: phone one to go back and rewatch as an adult

503
00:22:53,119 --> 00:22:55,040
Speaker 2: because I love watching Living Single as an adult.

504
00:22:55,080 --> 00:22:57,080
Speaker 3: It was so fun and you to go back. Okay,

505
00:22:57,200 --> 00:22:59,159
Speaker 3: maybe when I'm up all night with a toddler with

506
00:22:59,240 --> 00:23:03,080
Speaker 3: a newborn and a dollars. All right, Lisa and everyone else,

507
00:23:03,119 --> 00:23:05,080
Speaker 3: thank you so much for your questions this week. Again,

508
00:23:05,240 --> 00:23:07,800
Speaker 3: hit us up. We are brodambisspodcast dot com. You can

509
00:23:07,840 --> 00:23:11,120
Speaker 3: ask us anything or slide into our dms at Brand

510
00:23:11,160 --> 00:23:15,080
Speaker 3: Ambition Podcast on ig and ask us any questions that

511
00:23:15,200 --> 00:23:18,520
Speaker 3: you have burning and we will hopefully get to them

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00:23:18,600 --> 00:23:19,000
Speaker 3: on the show.

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Speaker 1: Yes, until next week, Babe, bye.

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00:23:24,880 --> 00:23:27,520
Speaker 3: Hey, ba Fam. We could not do this show without

515
00:23:27,680 --> 00:23:30,719
Speaker 3: your support or the support of our team behind the scenes.

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00:23:31,119 --> 00:23:34,399
Speaker 3: The Brown Ambition Podcast is produced by Imani Crosby and

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00:23:34,520 --> 00:23:37,680
Speaker 3: Dennis stan Plinsky is our in house tech guru. I

518
00:23:37,920 --> 00:23:40,480
Speaker 3: am your co host Mandy Woodrif Santos, and we will

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00:23:40,520 --> 00:23:41,960
Speaker 3: see y'all next week. Ba Fam.