1 00:00:08,920 --> 00:00:12,559 Speaker 1: Is it your financial scaries lurking in the closet. Is 2 00:00:12,640 --> 00:00:15,720 Speaker 1: it the fear about those bills you know in your 3 00:00:15,720 --> 00:00:19,280 Speaker 1: mailbox right now that you haven't opened. Whatever is scaring 4 00:00:19,320 --> 00:00:22,279 Speaker 1: you financially, We're going to talk about it this Halloween. 5 00:00:22,520 --> 00:00:24,800 Speaker 1: For the first time ever, we are doing a live 6 00:00:25,200 --> 00:00:29,680 Speaker 1: Brown Ambition YouTube extravaganza where we're going to be talking 7 00:00:29,720 --> 00:00:32,640 Speaker 1: about the spooky and scary financial topics that are keeping 8 00:00:32,640 --> 00:00:35,159 Speaker 1: you awake at night. So come face your fears with us. 9 00:00:35,360 --> 00:00:38,640 Speaker 1: I will be here your girl Mandy Money, along with 10 00:00:38,720 --> 00:00:42,880 Speaker 1: two incredible guests, Delian Barros from Ask the Money Coach 11 00:00:43,240 --> 00:00:45,960 Speaker 1: and Mark Russell. If y'all have not met Mark, you 12 00:00:45,960 --> 00:00:48,680 Speaker 1: are in for a treat Mark Russell from Betterwallet. They 13 00:00:48,680 --> 00:00:51,519 Speaker 1: are both joining me live in the Brown Ambition studio 14 00:00:51,640 --> 00:00:54,480 Speaker 1: for a special Halloween episode. So if you want to 15 00:00:54,480 --> 00:00:58,360 Speaker 1: tune in, join us Monday, October thirty, first Halloween Day, 16 00:00:58,440 --> 00:01:03,680 Speaker 1: at one pm Eastern that's twelve pm Central live on YouTube. 17 00:01:03,880 --> 00:01:07,000 Speaker 1: To follow along, go to YouTube dot com search Brown Ambition. 18 00:01:07,480 --> 00:01:09,520 Speaker 1: That's where we will be showing up live. I will 19 00:01:09,560 --> 00:01:12,320 Speaker 1: see y'allo on Halloween. 20 00:01:13,760 --> 00:01:17,880 Speaker 2: Hey, Hey, hey, we're back. 21 00:01:18,400 --> 00:01:27,600 Speaker 3: We're black, We're Brown Ambition. Ambition. Hey, Angel, how are you? 22 00:01:29,160 --> 00:01:32,160 Speaker 1: I'm doing just fine, even though I'm not gonna lie. 23 00:01:32,400 --> 00:01:34,800 Speaker 1: I dropped off homeboy at daycare today and I came home. 24 00:01:34,800 --> 00:01:37,000 Speaker 1: It's one of these rainy days, and I crawled into 25 00:01:37,080 --> 00:01:39,919 Speaker 1: bed and I felt so kilty about it. I crawled 26 00:01:40,000 --> 00:01:42,240 Speaker 1: back into bed for an hour, but I just I 27 00:01:42,240 --> 00:01:44,520 Speaker 1: don't know what I needed. I just needed to sleep 28 00:01:44,959 --> 00:01:47,440 Speaker 1: a little bit longer. So one of them days. But 29 00:01:47,560 --> 00:01:50,840 Speaker 1: I have been, you know, working NonStop for a couple hours. 30 00:01:50,840 --> 00:01:53,120 Speaker 1: Now I'm lucky to have a break and get to 31 00:01:53,160 --> 00:01:53,640 Speaker 1: talk to you. 32 00:01:54,400 --> 00:01:56,840 Speaker 3: Yeah. So I go to do Bay tomorrow. Woo woop. 33 00:01:57,560 --> 00:01:58,440 Speaker 3: It's all y'all. 34 00:01:59,400 --> 00:02:01,360 Speaker 2: Yeah, you know, you know how it is the day 35 00:02:01,360 --> 00:02:04,680 Speaker 2: before your vacation. Everyone's like, so just five minutes of 36 00:02:04,680 --> 00:02:07,000 Speaker 2: your team, So what are you? 37 00:02:07,680 --> 00:02:08,000 Speaker 3: I know? 38 00:02:08,080 --> 00:02:10,359 Speaker 2: So that's been crazy, but I'm excited about Dubai. I'm 39 00:02:10,360 --> 00:02:13,320 Speaker 2: going with my sister Carol. She's the mom of Row 40 00:02:13,360 --> 00:02:15,000 Speaker 2: Row and me me that you gonna talk about all 41 00:02:15,040 --> 00:02:16,600 Speaker 2: the time that live down the street from me. So 42 00:02:16,639 --> 00:02:18,000 Speaker 2: I'm sure they're going to have a heart attack when 43 00:02:18,000 --> 00:02:20,000 Speaker 2: they're like, you're leaving again, because they were like, next 44 00:02:20,040 --> 00:02:21,480 Speaker 2: time you go on a plane, mommy, I want to go. 45 00:02:21,760 --> 00:02:25,760 Speaker 1: So I'm so proud of her day. Yes, right, because 46 00:02:25,760 --> 00:02:26,880 Speaker 1: it was a big deal for her to go to 47 00:02:26,919 --> 00:02:29,600 Speaker 1: that trip with Vegas. Yeah, your sisters, right. 48 00:02:29,800 --> 00:02:31,760 Speaker 2: And then we also went she came with me to 49 00:02:31,800 --> 00:02:33,919 Speaker 2: the team trip to New Orleans. So you know, the 50 00:02:34,000 --> 00:02:36,360 Speaker 2: kids are sick of her. They were like, girl, listen 51 00:02:36,440 --> 00:02:37,320 Speaker 2: too much outside. 52 00:02:37,520 --> 00:02:39,480 Speaker 1: So she's a dead beet. Mom, Is that what's happening? 53 00:02:40,040 --> 00:02:41,840 Speaker 3: No, first, let me just say you're gonna be mad. 54 00:02:41,880 --> 00:02:42,440 Speaker 3: I tell the story. 55 00:02:42,480 --> 00:02:44,360 Speaker 2: But we because the kids always want to see pictures 56 00:02:44,400 --> 00:02:46,520 Speaker 2: when we come back from trips, so we were showing 57 00:02:46,560 --> 00:02:49,440 Speaker 2: like them pictures of like us at when we want 58 00:02:49,480 --> 00:02:51,680 Speaker 2: to go see Usher, and so now we had front row. 59 00:02:52,000 --> 00:02:53,720 Speaker 2: So at one point Usher was like, you know, reaching 60 00:02:53,720 --> 00:02:55,880 Speaker 2: to the audience, and so Carol reached up and held 61 00:02:55,919 --> 00:02:58,360 Speaker 2: her handful of gas. He saying, and Roman was like, 62 00:02:59,240 --> 00:03:02,720 Speaker 2: because you know that's son, he's school. He said, I 63 00:03:02,800 --> 00:03:05,080 Speaker 2: know that is I said, what is that? He said, 64 00:03:05,160 --> 00:03:06,200 Speaker 2: that's romance. 65 00:03:07,000 --> 00:03:13,960 Speaker 1: That's when I say, out of the words of no, 66 00:03:14,200 --> 00:03:16,400 Speaker 1: he said, So he get to the full Easter ray 67 00:03:16,480 --> 00:03:18,919 Speaker 1: treatment though, did you see that video? No? 68 00:03:20,600 --> 00:03:25,000 Speaker 3: Ray, I know, I was like, you a lady now, so. 69 00:03:25,240 --> 00:03:27,040 Speaker 1: I mean I wasn't even that into usher, but I 70 00:03:27,080 --> 00:03:29,720 Speaker 1: would have. I don't know what, I'm so awkward. I 71 00:03:29,760 --> 00:03:32,760 Speaker 1: do not know what what I would have done if 72 00:03:32,760 --> 00:03:34,760 Speaker 1: that had been me. But didn't We all wish it 73 00:03:34,800 --> 00:03:35,400 Speaker 1: was us. 74 00:03:36,080 --> 00:03:39,360 Speaker 2: But yeah, it was just funny but no. So so 75 00:03:39,720 --> 00:03:43,200 Speaker 2: two things. One, one of my friends Denise from high school, 76 00:03:43,240 --> 00:03:44,840 Speaker 2: who I'm not seen it forever, was like, oh, we're 77 00:03:44,880 --> 00:03:48,720 Speaker 2: having like a mid year reunion. It's like twenty five years, 78 00:03:48,760 --> 00:03:50,520 Speaker 2: you know, We're just going to meet up at like 79 00:03:50,520 --> 00:03:53,560 Speaker 2: this like restaurant slash bar. And I was like, girl, 80 00:03:53,600 --> 00:03:55,360 Speaker 2: I'm not going. I didn't go to the twentieth. I'm 81 00:03:55,400 --> 00:03:57,960 Speaker 2: not going to the twenty fifth. And she's like, just come. 82 00:03:58,160 --> 00:03:59,880 Speaker 2: But I ended up going, and I'm really glad that 83 00:03:59,920 --> 00:04:03,120 Speaker 2: I did. As usual, I was the only chocolate chip, 84 00:04:03,800 --> 00:04:06,040 Speaker 2: but that's what it feels for you. But honestly, it 85 00:04:06,080 --> 00:04:08,000 Speaker 2: was great because I forgot. I'm like, oh, Diane from 86 00:04:08,080 --> 00:04:11,520 Speaker 2: science class and from math and I say, it was 87 00:04:11,560 --> 00:04:13,400 Speaker 2: really great, And it was crazy to hear them be 88 00:04:13,560 --> 00:04:15,360 Speaker 2: like I'm so proud of you, Tiffany. 89 00:04:15,400 --> 00:04:18,960 Speaker 3: I'm like, wait, you guys follow me because the course. 90 00:04:20,160 --> 00:04:21,960 Speaker 2: Yeah, but I was, you know, because I don't you know, 91 00:04:22,040 --> 00:04:23,960 Speaker 2: and they were just like trying to everybody was our 92 00:04:24,000 --> 00:04:27,440 Speaker 2: chocolate chip, but they were so I mean, the truth is, 93 00:04:27,480 --> 00:04:30,440 Speaker 2: actually had a decent high skill experience. I didn't, you know, certainly, 94 00:04:30,480 --> 00:04:33,520 Speaker 2: you know, there's always stuff in high school, but in general, 95 00:04:33,600 --> 00:04:36,120 Speaker 2: I enjoyed my high school experience. I wasn't cool, but 96 00:04:36,200 --> 00:04:38,839 Speaker 2: I wasn't like some somebody who didn't have friends, you know. 97 00:04:38,920 --> 00:04:40,800 Speaker 2: I was someplace in the middle, like the average kid. 98 00:04:41,120 --> 00:04:44,880 Speaker 2: And and honestly, everyone there I remembered fondly, there wasn't anyone. Well, 99 00:04:44,960 --> 00:04:47,000 Speaker 2: there was one girl, Nicole Dice. Be so scared because 100 00:04:47,040 --> 00:04:49,320 Speaker 2: Nicole was a tough She was tough and I spoke 101 00:04:49,360 --> 00:04:50,520 Speaker 2: I don't want to call to beat me up. 102 00:04:50,720 --> 00:04:52,680 Speaker 3: But other than that, but she was so nice. When 103 00:04:52,680 --> 00:04:54,080 Speaker 3: I saw her, I was like, Nichol, iiced be so 104 00:04:54,320 --> 00:04:55,000 Speaker 3: scared of you. 105 00:04:55,400 --> 00:04:59,320 Speaker 2: She was like really, and then everyone was like Nicole, Yes, 106 00:05:01,240 --> 00:05:03,799 Speaker 2: but it was other like honestly, it was just a really. 107 00:05:03,640 --> 00:05:05,160 Speaker 3: Good time and I'm just glad. 108 00:05:05,200 --> 00:05:07,560 Speaker 2: I want went to thank you so much, Denise for 109 00:05:07,680 --> 00:05:10,600 Speaker 2: dragging me out of the house. But I have exciting 110 00:05:10,680 --> 00:05:14,680 Speaker 2: news that has a financial spin. So I have been 111 00:05:14,839 --> 00:05:18,640 Speaker 2: open to purchasing another property for myself to live in. 112 00:05:18,800 --> 00:05:22,000 Speaker 2: I just think it's time, you know. But I just 113 00:05:22,040 --> 00:05:25,080 Speaker 2: said I was just gonna start looking, you know, like 114 00:05:25,200 --> 00:05:28,560 Speaker 2: no real like cause obviously I have a home, it's 115 00:05:28,560 --> 00:05:31,520 Speaker 2: paid off, there's no rush, you know. So I started 116 00:05:31,520 --> 00:05:33,320 Speaker 2: to look, and at first I was like, maybe I 117 00:05:33,320 --> 00:05:37,159 Speaker 2: want to live in, Like, there's some really pretty towns 118 00:05:37,160 --> 00:05:41,080 Speaker 2: surrounding Newark, like South Orange, Maplewood there a little bougier 119 00:05:41,960 --> 00:05:45,440 Speaker 2: and like Montclair super bougie. So I went and saw 120 00:05:45,440 --> 00:05:48,080 Speaker 2: some places, but honestly, a lot of the homes that 121 00:05:48,120 --> 00:05:49,880 Speaker 2: were in the range that I was initially thinking, like 122 00:05:49,920 --> 00:05:52,679 Speaker 2: the seven or eight hundred thousand dollars range, were either 123 00:05:52,839 --> 00:05:54,919 Speaker 2: similar to the house I have now but not as nice, 124 00:05:55,480 --> 00:05:57,320 Speaker 2: or like nice as the house that I have now, 125 00:05:57,360 --> 00:05:59,720 Speaker 2: but not as big. And so I was kind of like, well, 126 00:06:00,040 --> 00:06:02,560 Speaker 2: why would I move to less, you know? And then 127 00:06:02,680 --> 00:06:05,080 Speaker 2: it was like, well, if you're wanting a more upscale house, 128 00:06:05,120 --> 00:06:07,400 Speaker 2: because that's what I'm feeling like now, this house is 129 00:06:07,480 --> 00:06:09,600 Speaker 2: very family It's like a if you were to come 130 00:06:09,640 --> 00:06:11,880 Speaker 2: and when you've come here, Mandy, it's very much like 131 00:06:12,279 --> 00:06:14,680 Speaker 2: this is for a family and kids. And that was 132 00:06:14,720 --> 00:06:17,800 Speaker 2: the that's why Jirelle and I you know, we designed 133 00:06:17,800 --> 00:06:20,120 Speaker 2: it with that in mind, and now that that's not happening, 134 00:06:20,520 --> 00:06:22,800 Speaker 2: I was like, I'm I want to move into the 135 00:06:22,920 --> 00:06:25,680 Speaker 2: rich auntie face of my life, which is like I 136 00:06:25,760 --> 00:06:27,080 Speaker 2: want your last tables. 137 00:06:29,600 --> 00:06:31,280 Speaker 3: Right, exactly right. And so. 138 00:06:32,960 --> 00:06:34,880 Speaker 2: Because as it is now, any kid could like your 139 00:06:35,080 --> 00:06:37,600 Speaker 2: kids next for you have to bring Rio and I'll 140 00:06:37,600 --> 00:06:39,440 Speaker 2: have Roman and a million be here because this is 141 00:06:39,480 --> 00:06:42,720 Speaker 2: like the ultimate kid friendly but also like adults love 142 00:06:42,720 --> 00:06:45,160 Speaker 2: it kind of house, you know, and so so. But 143 00:06:45,240 --> 00:06:47,000 Speaker 2: for the price range in those towns that I was 144 00:06:47,040 --> 00:06:48,760 Speaker 2: looking at, I was looking at at at least a 145 00:06:48,800 --> 00:06:50,919 Speaker 2: million dollars up to a million and a half, but 146 00:06:50,960 --> 00:06:51,640 Speaker 2: I was open to that. 147 00:06:51,680 --> 00:06:53,600 Speaker 3: I was like, okay, I won't. I'll get a mortgage. 148 00:06:53,680 --> 00:06:55,400 Speaker 2: I'll put like you know, a quarter down or half 149 00:06:55,400 --> 00:06:58,560 Speaker 2: down or whatever, and I'll still do that. And because 150 00:06:58,600 --> 00:07:00,599 Speaker 2: I didn't know that I wanted fancy until I saw 151 00:07:00,600 --> 00:07:02,680 Speaker 2: one property and like maybe what to South Orange. It 152 00:07:02,720 --> 00:07:04,599 Speaker 2: was like one point three million, and I walked in 153 00:07:04,640 --> 00:07:07,160 Speaker 2: and I gasped, and I realized I want to gasp 154 00:07:07,200 --> 00:07:09,480 Speaker 2: when I walk in. But it was too big. It 155 00:07:09,520 --> 00:07:12,080 Speaker 2: was like six bedrooms, four and a half bath. I'm like, 156 00:07:12,440 --> 00:07:16,440 Speaker 2: for who you know? But It made me realize that 157 00:07:16,440 --> 00:07:20,120 Speaker 2: that was a level that I wanted. Then recently my 158 00:07:20,200 --> 00:07:24,080 Speaker 2: friend Cabrel miss to know it all, was like, consider 159 00:07:24,280 --> 00:07:26,720 Speaker 2: a condo that where you don't have to worry about shoveling, 160 00:07:27,000 --> 00:07:28,800 Speaker 2: you don't have to worry about Tiffany. You're traveling a 161 00:07:28,800 --> 00:07:30,800 Speaker 2: lot more now, so you don't you know, there's a 162 00:07:31,040 --> 00:07:32,840 Speaker 2: you know, you might have a doorman. And I said, 163 00:07:32,880 --> 00:07:34,480 Speaker 2: you know, I never thought about that. I'd owned a 164 00:07:34,480 --> 00:07:36,520 Speaker 2: condo with my first property, but it was like a 165 00:07:36,560 --> 00:07:39,360 Speaker 2: condo townhouse, so it didn't feel very condo. We you know, 166 00:07:39,440 --> 00:07:42,000 Speaker 2: it was so but I started to look and then 167 00:07:42,440 --> 00:07:44,880 Speaker 2: yesterday Mandy I saw a condo that I fell in 168 00:07:44,920 --> 00:07:47,040 Speaker 2: love with. I was like, wait, I think I'm putting 169 00:07:47,040 --> 00:07:48,040 Speaker 2: an offering today. 170 00:07:48,560 --> 00:07:49,360 Speaker 1: I know what that is. 171 00:07:49,440 --> 00:07:54,000 Speaker 3: That's a romance, yes, exactly, and it is so. 172 00:07:54,640 --> 00:07:56,360 Speaker 2: One of a few things that I really love is 173 00:07:56,400 --> 00:07:59,200 Speaker 2: my house was built in nineteen nineteen. I love a 174 00:07:59,320 --> 00:08:03,240 Speaker 2: historic home, and many condos are new builds. But this 175 00:08:03,320 --> 00:08:07,240 Speaker 2: condo actually was built in the nineteen like the early 176 00:08:07,320 --> 00:08:10,280 Speaker 2: nineteen twenty, I think nineteen twenty, so it has very 177 00:08:10,320 --> 00:08:14,480 Speaker 2: similar features to my home. My house is twenty two 178 00:08:14,600 --> 00:08:18,040 Speaker 2: hundred square feet doesn't include the basement, so maybe it's bigger, 179 00:08:18,080 --> 00:08:21,040 Speaker 2: but it's a good size house. The condo is twenty 180 00:08:21,040 --> 00:08:26,440 Speaker 2: eight hundred, like luxury, and it's beautiful and you walk 181 00:08:26,440 --> 00:08:30,520 Speaker 2: in and you're like, it's giving the Huxtables. It's giving 182 00:08:30,680 --> 00:08:33,120 Speaker 2: like Charlotte's Apartment and Sex in the City. 183 00:08:33,679 --> 00:08:36,760 Speaker 3: It is so beautiful and I'm not gonna lie. 184 00:08:36,800 --> 00:08:38,439 Speaker 1: I was like floral arrangements. 185 00:08:39,200 --> 00:08:41,800 Speaker 3: Yes it was. It's big, but not so. 186 00:08:41,840 --> 00:08:46,040 Speaker 2: It's four bedrooms and it includes a separate like it's 187 00:08:46,040 --> 00:08:47,120 Speaker 2: not it doesn't. 188 00:08:47,160 --> 00:08:47,480 Speaker 3: They don't. 189 00:08:47,720 --> 00:08:49,959 Speaker 2: They don't consider it the bedroom because it doesn't have 190 00:08:50,000 --> 00:08:52,640 Speaker 2: a closet, but it's it's a separate room that the 191 00:08:52,679 --> 00:08:56,040 Speaker 2: woman has used as like a mini gym, you know. 192 00:08:56,720 --> 00:09:00,640 Speaker 2: So it's like five rooms, three full bath and bass 193 00:09:00,640 --> 00:09:02,800 Speaker 2: and a half bath. The living room is actually bigger 194 00:09:02,840 --> 00:09:04,640 Speaker 2: than my living room, my dining rooms. I mean yes, 195 00:09:04,720 --> 00:09:06,160 Speaker 2: the living room in the dining room is bigger than 196 00:09:06,200 --> 00:09:08,440 Speaker 2: my current dining room and living room. The woman who 197 00:09:08,480 --> 00:09:12,760 Speaker 2: owned it, because the condo is the building is ninety 198 00:09:12,800 --> 00:09:16,640 Speaker 2: five years old. It actually was built to compete with 199 00:09:16,720 --> 00:09:18,520 Speaker 2: the Delaney in New York. I'm not familiar, but I 200 00:09:18,600 --> 00:09:21,240 Speaker 2: was looking at research, which is some luxurious kind of 201 00:09:21,280 --> 00:09:22,839 Speaker 2: that they built in the nineteen twenties for like the 202 00:09:23,559 --> 00:09:25,360 Speaker 2: rich and the famous back then, so it was built 203 00:09:25,400 --> 00:09:27,560 Speaker 2: during then. So like when you walk in, it's like 204 00:09:27,960 --> 00:09:30,680 Speaker 2: marble and panel and this is like just the lobby. 205 00:09:30,720 --> 00:09:33,760 Speaker 3: It has a doorman. He works every day six. 206 00:09:33,559 --> 00:09:37,160 Speaker 2: To six, so six pm to six am. Now the 207 00:09:37,280 --> 00:09:39,319 Speaker 2: thing is, it's like, you know, It's what I love 208 00:09:39,440 --> 00:09:42,000 Speaker 2: is it's still in my current neighborhood, so I could 209 00:09:42,000 --> 00:09:43,360 Speaker 2: still do my regular walks. 210 00:09:43,679 --> 00:09:44,800 Speaker 3: My friends are still here. 211 00:09:45,160 --> 00:09:47,000 Speaker 2: Carol and the kids quite honestly probably would live in 212 00:09:47,040 --> 00:09:48,440 Speaker 2: the house where I live now because they live down 213 00:09:48,440 --> 00:09:49,559 Speaker 2: the street. And I'm like, well, you guys can just 214 00:09:49,600 --> 00:09:52,480 Speaker 2: live here because I'm not selling this house. I love 215 00:09:52,520 --> 00:09:54,559 Speaker 2: this house. I'm just like looking for a change. 216 00:09:54,720 --> 00:09:56,480 Speaker 3: Now. Those are like the pros. 217 00:09:56,800 --> 00:09:59,480 Speaker 2: Another pro is that the person who owned it fully 218 00:09:59,480 --> 00:10:03,559 Speaker 2: renovated it, so even though it's an older building, all 219 00:10:03,559 --> 00:10:06,240 Speaker 2: the plumbing and the electrical is new. In that unit. 220 00:10:06,559 --> 00:10:08,840 Speaker 2: It's almost like a double unit in comparison to others. 221 00:10:09,160 --> 00:10:11,600 Speaker 2: And this was kind of on my secret wish list. 222 00:10:11,880 --> 00:10:15,440 Speaker 2: It has a huge picture frame window that picture frames 223 00:10:15,520 --> 00:10:17,280 Speaker 2: the city, the New York City skyline. 224 00:10:17,360 --> 00:10:20,120 Speaker 3: I'm like, I'm not gonna lie. But that's the pros. 225 00:10:20,200 --> 00:10:23,960 Speaker 2: The cons are okay because it is an older play one. 226 00:10:24,080 --> 00:10:26,560 Speaker 2: The association fee is not cheap. So I don't know 227 00:10:26,559 --> 00:10:28,080 Speaker 2: what's a lot in New York or whatever, but here 228 00:10:28,160 --> 00:10:31,640 Speaker 2: it's it's twelve twelve fifty a month, so it's like 229 00:10:31,679 --> 00:10:34,440 Speaker 2: you pay that, but also include that includes like, you know, 230 00:10:34,520 --> 00:10:37,480 Speaker 2: all the maintenance not in inside your apartment but inside 231 00:10:37,520 --> 00:10:40,000 Speaker 2: you know, outside every place else. And it also includes 232 00:10:40,240 --> 00:10:41,760 Speaker 2: your heat and hot water, so I don't have to 233 00:10:41,760 --> 00:10:44,360 Speaker 2: pay that, you know, the like, so when he comes out, 234 00:10:44,360 --> 00:10:45,360 Speaker 2: I don't have to worry about that. So I just 235 00:10:45,360 --> 00:10:47,600 Speaker 2: paid my electric bill basically, and it includes sewage and 236 00:10:47,600 --> 00:10:49,640 Speaker 2: garbage remove all that stuff. So I just paid the 237 00:10:49,679 --> 00:10:51,880 Speaker 2: electric bill as far as utilities and the internet if 238 00:10:51,880 --> 00:10:54,280 Speaker 2: I want it. So it's twelve fifty, So that to 239 00:10:54,280 --> 00:10:55,640 Speaker 2: me is not a deturn for me. And I'm like, 240 00:10:55,679 --> 00:10:58,880 Speaker 2: that's fine. The taxes are really reasonable. I'm sharing these 241 00:10:58,920 --> 00:11:00,400 Speaker 2: numbers because I don't know what's normal for y'all, and 242 00:11:00,400 --> 00:11:01,040 Speaker 2: I think it's good. 243 00:11:00,880 --> 00:11:01,120 Speaker 1: To hear you. 244 00:11:01,320 --> 00:11:01,480 Speaker 3: Still. 245 00:11:01,520 --> 00:11:03,160 Speaker 1: I was kind of asked, do you still play paid 246 00:11:03,400 --> 00:11:04,280 Speaker 1: property taxes? 247 00:11:04,440 --> 00:11:04,720 Speaker 3: Yes? 248 00:11:04,800 --> 00:11:07,360 Speaker 2: You do though, so right now in my house, now 249 00:11:07,400 --> 00:11:09,160 Speaker 2: my property taxes. Last time I check, I want to 250 00:11:09,160 --> 00:11:11,000 Speaker 2: say it was like eighty four hundred for the year, 251 00:11:11,480 --> 00:11:13,400 Speaker 2: which is the lowest in Essex County. 252 00:11:13,600 --> 00:11:14,960 Speaker 3: So I don't know what they What are yours? 253 00:11:15,000 --> 00:11:16,040 Speaker 1: How to get out of Westchester? 254 00:11:16,160 --> 00:11:16,400 Speaker 3: Okay? 255 00:11:16,559 --> 00:11:18,960 Speaker 1: Did you here's I'll give one thousand last time I checked. 256 00:11:19,040 --> 00:11:21,280 Speaker 3: Yeah, And honestly, like, my parents pay fourteen. 257 00:11:22,320 --> 00:11:25,160 Speaker 2: And I'll say this that in Montclair the average is 258 00:11:25,200 --> 00:11:27,280 Speaker 2: like twenty thousands, some people paying thirty thousand. 259 00:11:27,760 --> 00:11:29,400 Speaker 3: So I was like, are you gonna move to fancy 260 00:11:29,400 --> 00:11:32,560 Speaker 3: Montclair or down the street in New York? So and 261 00:11:32,600 --> 00:11:36,439 Speaker 3: so the condo is seven thousand, which I was like, okay, So. 262 00:11:36,440 --> 00:11:38,240 Speaker 1: You're looking at two thousand a month. 263 00:11:38,520 --> 00:11:41,280 Speaker 3: No, no, no a year for the for the property taxes. 264 00:11:41,360 --> 00:11:43,319 Speaker 1: Oh the taxes okay, okay, yes. 265 00:11:43,240 --> 00:11:45,959 Speaker 2: So seven thousand of your property taxes, twelve hundred for 266 00:11:46,040 --> 00:11:49,200 Speaker 2: maintenance and so so I was like, okay, So basically 267 00:11:49,360 --> 00:11:51,520 Speaker 2: you're looking at even because I planned I would plan 268 00:11:51,559 --> 00:11:53,280 Speaker 2: on purchasing it cash. 269 00:11:53,800 --> 00:11:55,160 Speaker 3: I so I first thing I did was I hit 270 00:11:55,240 --> 00:11:55,680 Speaker 3: up Angelia. 271 00:11:55,720 --> 00:11:58,000 Speaker 2: I said, what's best, because you know me the cash queen, 272 00:11:58,040 --> 00:12:00,640 Speaker 2: that's not always best with interest. It's the way they're 273 00:12:00,679 --> 00:12:05,160 Speaker 2: doing you know that's not always now, what's that girl? 274 00:12:05,520 --> 00:12:08,920 Speaker 2: So though, so what Angelie did tell me? She said, well, 275 00:12:09,600 --> 00:12:14,000 Speaker 2: certainly the ideal would be half down half let's put 276 00:12:14,040 --> 00:12:15,040 Speaker 2: into the market. 277 00:12:15,240 --> 00:12:17,960 Speaker 3: You know. So they're wanting five thirty nine. It was on. 278 00:12:18,040 --> 00:12:20,559 Speaker 2: It was on the market for five seventy five initially, 279 00:12:20,640 --> 00:12:22,640 Speaker 2: and like some months ago they took it off, put 280 00:12:22,679 --> 00:12:24,880 Speaker 2: it back on, and now it's five thirty nine. Girl, 281 00:12:24,920 --> 00:12:27,080 Speaker 2: I'm not offering that. Hopefully they don't listen, because I 282 00:12:27,080 --> 00:12:29,400 Speaker 2: don't think so. But because I'm offering a cash deal 283 00:12:29,440 --> 00:12:33,320 Speaker 2: of four to seventy five will probably end around four 284 00:12:33,360 --> 00:12:35,120 Speaker 2: eighty five, four ninety five, that's probably where a little 285 00:12:35,160 --> 00:12:38,080 Speaker 2: it'll land, you know. So so I'm going to offer 286 00:12:38,400 --> 00:12:41,520 Speaker 2: that in cash, you know, because it will because if 287 00:12:41,559 --> 00:12:43,000 Speaker 2: I mean, certainly I can get them more. Because I 288 00:12:43,040 --> 00:12:45,520 Speaker 2: asked Angelie what is best? She said, Ideally I would 289 00:12:45,520 --> 00:12:48,000 Speaker 2: love to see you put half down half. You know, 290 00:12:48,040 --> 00:12:50,720 Speaker 2: we can put half in the market. But if you're 291 00:12:50,800 --> 00:12:53,319 Speaker 2: wanting to get like the best deal as far as 292 00:12:53,320 --> 00:12:56,079 Speaker 2: like the overall cost, you know, obviously cash is going 293 00:12:56,160 --> 00:12:58,160 Speaker 2: to be king and you're more likely to get it 294 00:12:58,200 --> 00:13:00,320 Speaker 2: at that price range. Now, if they're going to push 295 00:13:00,360 --> 00:13:02,440 Speaker 2: you for more and you really really want it, then 296 00:13:02,440 --> 00:13:04,040 Speaker 2: you can be like, well it's not cash, then we'll 297 00:13:04,040 --> 00:13:04,520 Speaker 2: do half down. 298 00:13:04,520 --> 00:13:05,520 Speaker 3: I'll put half in the market. 299 00:13:05,640 --> 00:13:08,400 Speaker 2: And so yeah, because four seventy five is not, you know, bad, 300 00:13:08,720 --> 00:13:10,880 Speaker 2: Like literally, I had a friend look at it. 301 00:13:11,000 --> 00:13:12,920 Speaker 3: She was like, because she lives in Harlem. I believe 302 00:13:13,040 --> 00:13:13,920 Speaker 3: she's like this in Harlem. 303 00:13:14,000 --> 00:13:15,760 Speaker 2: You're looking at a minimum of two million dollars for 304 00:13:15,800 --> 00:13:16,760 Speaker 2: this apartment in Harlem. 305 00:13:16,840 --> 00:13:19,280 Speaker 1: I was just gonna say, that seems so reasonable, I 306 00:13:19,360 --> 00:13:21,800 Speaker 1: know for it condo. 307 00:13:22,600 --> 00:13:25,120 Speaker 2: So the reason I'm sharing this with y'all is because 308 00:13:26,240 --> 00:13:30,240 Speaker 2: there are as you as you decide what life is 309 00:13:30,280 --> 00:13:32,880 Speaker 2: going to look like and the things that you're wanting 310 00:13:32,920 --> 00:13:34,640 Speaker 2: to support the left that you're wanting to get. 311 00:13:35,000 --> 00:13:37,840 Speaker 3: It's like these are huge financial choices as well. 312 00:13:37,679 --> 00:13:41,280 Speaker 2: Because certainly Newark is Newark, it is much better than 313 00:13:41,280 --> 00:13:44,520 Speaker 2: it's been. But where the condo is, there are other 314 00:13:45,400 --> 00:13:48,560 Speaker 2: like it's one it's two blocks up from my current house, 315 00:13:48,640 --> 00:13:51,000 Speaker 2: meaning which is very residential, but it's not on a 316 00:13:51,040 --> 00:13:54,080 Speaker 2: residential street. It's on a street that has other condos 317 00:13:54,080 --> 00:13:57,040 Speaker 2: and things like that. So there's there's a noise component 318 00:13:57,080 --> 00:13:59,000 Speaker 2: that I'm gonna have to to decide if I want 319 00:13:59,000 --> 00:14:01,920 Speaker 2: to navigate with because it's city living, so you're gonna 320 00:14:01,920 --> 00:14:04,240 Speaker 2: hear some city noise, you know. So it's like the 321 00:14:04,280 --> 00:14:06,679 Speaker 2: building itself is really quiet. Everybody there is like quiet. 322 00:14:06,840 --> 00:14:08,680 Speaker 2: And I asked a bunch of tenants and they loved it. 323 00:14:08,720 --> 00:14:11,040 Speaker 2: Most people live there for like twenty years, you know, 324 00:14:11,440 --> 00:14:12,480 Speaker 2: and so so. 325 00:14:12,480 --> 00:14:13,160 Speaker 3: That's not the issue. 326 00:14:13,200 --> 00:14:15,240 Speaker 2: But I'm gonna hear more outside noise than I would 327 00:14:15,440 --> 00:14:17,839 Speaker 2: in my super residential neighborhood where I live now, even 328 00:14:17,880 --> 00:14:20,320 Speaker 2: though it's only like a two block differential, you know. 329 00:14:20,400 --> 00:14:22,600 Speaker 2: So I was like, okay, So I actually have a 330 00:14:22,640 --> 00:14:24,680 Speaker 2: call with a friend later on today who lives there, 331 00:14:24,920 --> 00:14:27,560 Speaker 2: to get like a really good indicator of like by noise, 332 00:14:27,560 --> 00:14:29,920 Speaker 2: what do you mean like every day at King Sineta 333 00:14:30,000 --> 00:14:32,239 Speaker 2: noise like routang outside. 334 00:14:32,000 --> 00:14:33,920 Speaker 1: Your window, noise in the night for a night, just 335 00:14:33,960 --> 00:14:34,480 Speaker 1: to test it. O. 336 00:14:35,480 --> 00:14:37,240 Speaker 2: Well, the thing is you don't really hear the noise 337 00:14:37,280 --> 00:14:38,960 Speaker 2: and extep for the summertime because you know, people be 338 00:14:38,960 --> 00:14:41,440 Speaker 2: outside outside. Yeah you know, so like you're not hearing 339 00:14:41,480 --> 00:14:45,240 Speaker 2: it now, so you know. So but I told myself, 340 00:14:45,520 --> 00:14:50,960 Speaker 2: certainly I can move to a South Orange, a Maplewood, 341 00:14:50,960 --> 00:14:55,280 Speaker 2: a Montclair and pay twenty fifteen minimum to upwards of 342 00:14:55,320 --> 00:14:59,320 Speaker 2: thirty thousand dollars annually for taxes for super super super. 343 00:14:59,200 --> 00:15:01,520 Speaker 3: Quiet, even if it's a condo. 344 00:15:02,000 --> 00:15:04,400 Speaker 2: And I can also pay two to three times the 345 00:15:04,400 --> 00:15:08,520 Speaker 2: amount for the property, you know, or I can say 346 00:15:08,600 --> 00:15:11,440 Speaker 2: because basically I'm weighing the options of what matters to me, 347 00:15:12,120 --> 00:15:13,880 Speaker 2: because an Julia and I just came up with like 348 00:15:13,960 --> 00:15:18,000 Speaker 2: my big magic number of what do I if I 349 00:15:18,040 --> 00:15:19,960 Speaker 2: wanted to make two hundred and fifty thousand dollars a 350 00:15:20,040 --> 00:15:22,240 Speaker 2: year just waking up and going to sleep, what do 351 00:15:22,280 --> 00:15:22,760 Speaker 2: I have to be? 352 00:15:22,920 --> 00:15:23,840 Speaker 3: What do I have to put up? 353 00:15:23,880 --> 00:15:25,880 Speaker 2: Like She's like, you don't have to work now necessarily 354 00:15:25,920 --> 00:15:28,080 Speaker 2: if you didn't want to, and you can maintain your 355 00:15:28,080 --> 00:15:30,520 Speaker 2: current life. But if let's just say you were like 356 00:15:30,560 --> 00:15:32,680 Speaker 2: you don't want to do anything and you still want 357 00:15:32,680 --> 00:15:35,320 Speaker 2: to yield to fifty, then you have some more money 358 00:15:35,360 --> 00:15:37,960 Speaker 2: to put up, you know. And I said, okay, So 359 00:15:38,160 --> 00:15:40,600 Speaker 2: but that was with the if I purchased a home 360 00:15:41,480 --> 00:15:42,280 Speaker 2: for one point. 361 00:15:42,040 --> 00:15:43,000 Speaker 3: Two million plus. 362 00:15:43,160 --> 00:15:46,280 Speaker 2: But if I do this, then I can adjust what 363 00:15:46,320 --> 00:15:48,200 Speaker 2: I have to do as far as work is concerned. 364 00:15:48,480 --> 00:15:50,840 Speaker 3: And so there's like this ebb and flow, you know 365 00:15:50,840 --> 00:15:52,280 Speaker 3: what I mean, Like, do. 366 00:15:52,240 --> 00:15:54,880 Speaker 2: You know, do you go for the fancier and have 367 00:15:55,040 --> 00:15:57,360 Speaker 2: like the accoutament but not be next to your tribe 368 00:15:57,360 --> 00:15:59,680 Speaker 2: and your family. Do you stay here in New York 369 00:15:59,680 --> 00:16:02,640 Speaker 2: where some Newark things for sure, but you get it 370 00:16:02,680 --> 00:16:04,280 Speaker 2: at a price that's like, girl, you can pay for that, 371 00:16:04,480 --> 00:16:07,120 Speaker 2: you know, out of pocket, and you get to be 372 00:16:07,160 --> 00:16:09,720 Speaker 2: next to family and friends and it's beautiful and I 373 00:16:09,720 --> 00:16:11,960 Speaker 2: wouldn't not that I wouldn't be able to afford this 374 00:16:12,000 --> 00:16:16,320 Speaker 2: someplace else, but the financial burden is three times as much. 375 00:16:16,880 --> 00:16:19,160 Speaker 3: And so that's kind of like what I'm weighing now. 376 00:16:19,680 --> 00:16:21,640 Speaker 2: I mean, obviously I'm leaning heavily towards staying here in York, 377 00:16:22,200 --> 00:16:24,160 Speaker 2: but I just wanted to share that because I was like, 378 00:16:24,720 --> 00:16:27,520 Speaker 2: it's just like, you know, it's been Darrell passed away 379 00:16:27,560 --> 00:16:30,320 Speaker 2: November fifteenth of last year, and I can't believe it's 380 00:16:30,320 --> 00:16:33,360 Speaker 2: been almost a year. It's so crazy and it's been 381 00:16:33,400 --> 00:16:37,480 Speaker 2: almost a year. And now it's like it's like finally 382 00:16:37,520 --> 00:16:39,920 Speaker 2: I'm out of the fog kind of, and I'm just like, well, 383 00:16:39,920 --> 00:16:41,480 Speaker 2: what what next? 384 00:16:41,480 --> 00:16:43,800 Speaker 3: And how do I want life to go? You know? 385 00:16:43,840 --> 00:16:46,080 Speaker 2: And that's that's why I've been like really asking myself, 386 00:16:46,080 --> 00:16:48,440 Speaker 2: how do you want life to go, and you know, 387 00:16:48,640 --> 00:16:51,760 Speaker 2: Durell was like he mowed the lawn, he shoveled, he 388 00:16:51,800 --> 00:16:54,920 Speaker 2: did all those things, and without someone there to do that, 389 00:16:55,000 --> 00:16:57,640 Speaker 2: It's like, well what does that look like for. 390 00:16:57,560 --> 00:16:58,200 Speaker 3: You, Tiffany? 391 00:16:58,280 --> 00:17:01,240 Speaker 2: You know, like you know, and and also safety, you know, 392 00:17:01,360 --> 00:17:03,440 Speaker 2: like I come in the house, and also nothing's ever 393 00:17:03,480 --> 00:17:07,720 Speaker 2: happened here, but there's a safety of being Like as 394 00:17:07,800 --> 00:17:09,800 Speaker 2: the brand grows and I get to be more known, 395 00:17:09,840 --> 00:17:12,360 Speaker 2: it's nice that the doorman is there and no one's 396 00:17:12,400 --> 00:17:14,639 Speaker 2: going to follow me into my building, you know. And 397 00:17:14,680 --> 00:17:17,720 Speaker 2: so I'm just making you know, these life choices are 398 00:17:17,720 --> 00:17:20,159 Speaker 2: not just life choices. These are also like financial choices. 399 00:17:20,200 --> 00:17:21,720 Speaker 2: And I just was talking about with you guys, so 400 00:17:21,760 --> 00:17:24,760 Speaker 2: you can see, like this is the thought process that 401 00:17:24,840 --> 00:17:26,479 Speaker 2: I go through. And if you're making your own kind 402 00:17:26,520 --> 00:17:28,760 Speaker 2: of like life choices, not to forget the finance part 403 00:17:28,800 --> 00:17:29,040 Speaker 2: of it. 404 00:17:29,080 --> 00:17:29,280 Speaker 3: You know. 405 00:17:31,359 --> 00:17:33,720 Speaker 1: Well, I'm excited for you. I know you've been talking 406 00:17:33,760 --> 00:17:35,280 Speaker 1: about it, and I feel like you've approached it so 407 00:17:35,320 --> 00:17:36,879 Speaker 1: thoughtfully and you're given yourself time. 408 00:17:37,480 --> 00:17:37,679 Speaker 3: You know. 409 00:17:37,760 --> 00:17:39,760 Speaker 1: Isn't there the adage like don't make any big life 410 00:17:39,800 --> 00:17:42,000 Speaker 1: choices after such a big loss like that like six 411 00:17:42,040 --> 00:17:45,960 Speaker 1: months or something like that, but you've approached it so thoughtfully. 412 00:17:46,240 --> 00:17:48,280 Speaker 1: And the thing is, I mean, buying a home at 413 00:17:48,320 --> 00:17:51,679 Speaker 1: any time is like always such a loaded kind of 414 00:17:51,720 --> 00:17:54,400 Speaker 1: like anxiety inducing. Is it the right decision, blah blah blah. 415 00:17:54,480 --> 00:17:56,720 Speaker 1: But I feel like at the end of the day, 416 00:17:56,760 --> 00:17:59,199 Speaker 1: it's about you make the decision with what where you 417 00:17:59,240 --> 00:18:01,640 Speaker 1: are now, with what you want now, do the best 418 00:18:01,640 --> 00:18:04,320 Speaker 1: you can to project into the future what you may want. 419 00:18:04,880 --> 00:18:07,360 Speaker 1: But I also feel like if you decide to change 420 00:18:07,400 --> 00:18:10,320 Speaker 1: your mind, that those properties will still be there. You 421 00:18:10,359 --> 00:18:12,560 Speaker 1: can still get your you know, if you want that 422 00:18:12,600 --> 00:18:15,720 Speaker 1: ocean front luxury condo on the shore or whatever it 423 00:18:15,800 --> 00:18:17,640 Speaker 1: is that you want. I feel like, okay, how's number 424 00:18:17,640 --> 00:18:19,840 Speaker 1: three then? Or four? At this point a lost truck? 425 00:18:21,080 --> 00:18:23,600 Speaker 2: Well, I'm selling thankfully, you know. The house to Drell 426 00:18:23,640 --> 00:18:26,720 Speaker 2: and I bought together the rental property. His brother, his 427 00:18:26,760 --> 00:18:29,440 Speaker 2: twin brother, currently lives there. He wanted it so badly. 428 00:18:29,920 --> 00:18:31,920 Speaker 2: The house has been such a blessing because of the 429 00:18:31,960 --> 00:18:33,760 Speaker 2: way Jerell and I purchased it and renovated in. 430 00:18:33,760 --> 00:18:34,840 Speaker 3: There's no mortgage there. 431 00:18:35,119 --> 00:18:37,680 Speaker 2: It's literally that house means two people in his family 432 00:18:37,680 --> 00:18:41,520 Speaker 2: get a home Alyssa because the house belongs to Alissa 433 00:18:41,560 --> 00:18:44,199 Speaker 2: and I equally, but I'm giving her my half of 434 00:18:44,240 --> 00:18:45,240 Speaker 2: the proceeds of the house. 435 00:18:45,760 --> 00:18:47,880 Speaker 3: So that way when it's time for. 436 00:18:47,840 --> 00:18:50,359 Speaker 2: Her to purchase a home after college, she gets the 437 00:18:50,400 --> 00:18:52,560 Speaker 2: home that she wants wherever she wants to live. But 438 00:18:52,600 --> 00:18:55,919 Speaker 2: then Torell, my husband, Jerell's twin, gets that house that 439 00:18:55,960 --> 00:18:57,840 Speaker 2: he wanted so badly. He was born and raised in 440 00:18:57,880 --> 00:18:59,160 Speaker 2: Newark and wants. 441 00:18:58,920 --> 00:18:59,359 Speaker 3: To live there. 442 00:18:59,440 --> 00:19:02,040 Speaker 2: And plus it's brother's house, and so it's like this 443 00:19:02,080 --> 00:19:04,080 Speaker 2: one house gets to provide for two people that he 444 00:19:04,119 --> 00:19:05,119 Speaker 2: loved the most in the world. 445 00:19:05,359 --> 00:19:07,000 Speaker 3: So it's been such a blessing. 446 00:19:07,040 --> 00:19:08,600 Speaker 2: He actually just texted me today was like, I got 447 00:19:08,600 --> 00:19:12,520 Speaker 2: a closing date of December sixth, so fingers crossed that. 448 00:19:12,600 --> 00:19:14,920 Speaker 2: It all like, you know, lose for it and I 449 00:19:15,800 --> 00:19:18,760 Speaker 2: purchasing it from you. Yes, he's gotten purchased it directly 450 00:19:18,760 --> 00:19:23,000 Speaker 2: from me. We're so no honestly that it was the 451 00:19:23,080 --> 00:19:26,119 Speaker 2: knack of program. Yeah, he just was having a hard 452 00:19:26,160 --> 00:19:28,680 Speaker 2: time with the Knacker program, so he just decided to go. Traditionally, 453 00:19:29,640 --> 00:19:31,560 Speaker 2: he was ready, you know, he had his money saved, 454 00:19:31,600 --> 00:19:34,320 Speaker 2: he has great credit. So and what I what I 455 00:19:34,320 --> 00:19:36,480 Speaker 2: committed to him is that my realtor my friend is 456 00:19:36,520 --> 00:19:38,040 Speaker 2: a realtor, so she's like, girl, I'm just gonna give 457 00:19:38,040 --> 00:19:40,520 Speaker 2: you advice, but I'm not going to participate. So you 458 00:19:40,560 --> 00:19:42,199 Speaker 2: don't have to pay any realtor's fees. You don't need 459 00:19:42,240 --> 00:19:45,239 Speaker 2: all that five hundred dollars. Go go to this you know, 460 00:19:45,359 --> 00:19:48,880 Speaker 2: this real estate attorney to get a contract and that's it. 461 00:19:49,240 --> 00:19:51,560 Speaker 2: You know, Terrell will take care of his own closing 462 00:19:51,560 --> 00:19:53,760 Speaker 2: costs and things like that, like you know, an inspection 463 00:19:53,840 --> 00:19:56,520 Speaker 2: and things like that. But for you, it's five hundred 464 00:19:56,520 --> 00:19:58,600 Speaker 2: dollars out of pocket, you know. And I was just like, okay. 465 00:19:58,680 --> 00:20:01,000 Speaker 2: So but what she said was she did comps for me, 466 00:20:01,080 --> 00:20:03,439 Speaker 2: and she said that home currently. I think when we 467 00:20:03,840 --> 00:20:06,200 Speaker 2: first finished it was worth like two twenty we put 468 00:20:06,640 --> 00:20:08,959 Speaker 2: I want to say one eighty into it, maybe one seventy. 469 00:20:08,960 --> 00:20:10,600 Speaker 2: I think we bought it for ten thousand and put 470 00:20:10,640 --> 00:20:11,560 Speaker 2: like one hundred and fifty into it. 471 00:20:11,640 --> 00:20:13,520 Speaker 1: So like wanted to realize, y'all it's such a big Rhno. 472 00:20:14,200 --> 00:20:16,560 Speaker 2: Yeah, well, it was a gut. It was cats were 473 00:20:16,560 --> 00:20:20,200 Speaker 2: living in there, it was it was. It was a gut. 474 00:20:20,400 --> 00:20:22,440 Speaker 2: After it was finished, you know, we put one fifty 475 00:20:22,440 --> 00:20:24,840 Speaker 2: one sixty one seventy it was worth two twenty as 476 00:20:24,880 --> 00:20:27,200 Speaker 2: soon as we were finished with it last year, and 477 00:20:27,240 --> 00:20:30,879 Speaker 2: so now the house was worth My realtor friend was like, 478 00:20:30,920 --> 00:20:33,919 Speaker 2: I did the comps. It's worth between two seventy five 479 00:20:34,359 --> 00:20:37,760 Speaker 2: and three fifteen. So I told her, let's split the 480 00:20:37,800 --> 00:20:41,080 Speaker 2: difference and make it two ninety five. Of course, if 481 00:20:41,080 --> 00:20:43,280 Speaker 2: the inspection comes in lower, I'll you know, I'm not 482 00:20:43,280 --> 00:20:44,720 Speaker 2: going to but I know it's not gonna come lower 483 00:20:44,720 --> 00:20:47,600 Speaker 2: because they're building a train station there to the city 484 00:20:47,680 --> 00:20:51,000 Speaker 2: New York City, and Lionsgate Film is building a new 485 00:20:51,040 --> 00:20:53,280 Speaker 2: studio there, so it is not coming in lower. So 486 00:20:53,320 --> 00:20:55,600 Speaker 2: what I told him is, well, split the difference, and 487 00:20:55,640 --> 00:20:57,919 Speaker 2: that means you get twenty thousand dollars built in equity 488 00:20:57,920 --> 00:21:00,440 Speaker 2: off the jump. And he was like, yeah, so it's 489 00:21:00,480 --> 00:21:04,200 Speaker 2: like such a win win for everyone. And I'm not 490 00:21:04,240 --> 00:21:07,600 Speaker 2: gonna lie though, I mean, financially I've lost out, but 491 00:21:08,240 --> 00:21:10,600 Speaker 2: not really, you know what I meaning? Like, you know, 492 00:21:10,680 --> 00:21:12,360 Speaker 2: I put the money into the house, and I don't 493 00:21:12,400 --> 00:21:14,760 Speaker 2: really get I'm not getting any of my money back. 494 00:21:14,840 --> 00:21:16,639 Speaker 2: I mean I could, I guess, because I don't have 495 00:21:16,680 --> 00:21:17,760 Speaker 2: to give my half to Alyssa. 496 00:21:17,880 --> 00:21:20,600 Speaker 3: But to me, it's such a small thing for such 497 00:21:20,640 --> 00:21:24,920 Speaker 3: a big thing. You know what I mean. And so yeah, like. 498 00:21:24,840 --> 00:21:26,560 Speaker 2: It's such a small thing as far as a financial 499 00:21:27,080 --> 00:21:30,119 Speaker 2: quote unquote loss to me because someone was like, gir, 500 00:21:30,119 --> 00:21:31,480 Speaker 2: are you crazy keep that house? 501 00:21:31,480 --> 00:21:32,879 Speaker 3: In five years it's gonna be worth double. 502 00:21:33,200 --> 00:21:35,280 Speaker 2: And I'm like, yeah, so maybe it's worth five hundred thousand, 503 00:21:35,880 --> 00:21:38,760 Speaker 2: you know, instead of the two fifty or whatever. But 504 00:21:38,800 --> 00:21:42,399 Speaker 2: the truth is I make plenty and this will allow 505 00:21:43,520 --> 00:21:46,000 Speaker 2: Durell's family to start growing wealth on their own terms. 506 00:21:46,200 --> 00:21:48,040 Speaker 2: And I know he would want that more than anything. 507 00:21:48,359 --> 00:21:50,080 Speaker 2: And if I never work a day in my life, 508 00:21:50,200 --> 00:21:52,840 Speaker 2: I'm okay, so more money, I'll talk more money for 509 00:21:52,880 --> 00:21:56,080 Speaker 2: what's sake, you know. Like to me, the mantra that 510 00:21:56,080 --> 00:21:58,480 Speaker 2: always rolls in my head is what is the money for? 511 00:21:59,320 --> 00:22:01,520 Speaker 3: And it's for things like this, you know. So it 512 00:22:01,600 --> 00:22:04,280 Speaker 3: just feels like it's like a year later. 513 00:22:04,400 --> 00:22:08,080 Speaker 2: It just like like it's just such a reflective time 514 00:22:08,119 --> 00:22:10,000 Speaker 2: of like how far we've all come and where we 515 00:22:10,040 --> 00:22:13,480 Speaker 2: are now. And I feel like he would be really 516 00:22:13,520 --> 00:22:15,520 Speaker 2: happy about like how we've. 517 00:22:15,400 --> 00:22:17,480 Speaker 3: Come to this place, proud, you know. 518 00:22:18,320 --> 00:22:20,479 Speaker 1: And how beautiful that y'all were able to finish it 519 00:22:20,880 --> 00:22:21,880 Speaker 1: before he passed. 520 00:22:22,440 --> 00:22:24,600 Speaker 2: Yes, well, it was it was like maybe like a 521 00:22:24,640 --> 00:22:28,800 Speaker 2: month we finished maybe like a month after he passed. Well, 522 00:22:28,800 --> 00:22:30,640 Speaker 2: he didn't get to see it fully finished, but mostly 523 00:22:31,200 --> 00:22:33,320 Speaker 2: you know, and to Rap painted it for us, which 524 00:22:33,400 --> 00:22:35,160 Speaker 2: was like such a blessing because he you know, he's 525 00:22:35,160 --> 00:22:37,440 Speaker 2: a master painter, and so it just was like it's 526 00:22:37,520 --> 00:22:39,840 Speaker 2: just just a full circle moment. And I was telling 527 00:22:39,880 --> 00:22:43,639 Speaker 2: my friend Linda, was like, there are moments that it 528 00:22:43,720 --> 00:22:46,360 Speaker 2: is the best case scenario within the worst case scenario, 529 00:22:46,800 --> 00:22:49,000 Speaker 2: you know, And I feel like that's the place I've 530 00:22:49,040 --> 00:22:52,560 Speaker 2: been living in between, which is like grief and gratefulness. 531 00:22:52,600 --> 00:22:54,520 Speaker 2: And I used to think you couldn't do both, and 532 00:22:54,560 --> 00:22:57,679 Speaker 2: it's like, no, I can acknowledge the grief component of it. 533 00:22:57,760 --> 00:23:01,040 Speaker 2: Sometimes it's overwhelming and crippling, but then right beside it 534 00:23:01,080 --> 00:23:04,399 Speaker 2: is this overwhelming sense of gratefulness because like, look at 535 00:23:04,440 --> 00:23:05,760 Speaker 2: all that's been able to happen. I was just talking 536 00:23:05,800 --> 00:23:08,240 Speaker 2: to Alyssa yesterday. She was like, hey, Tiff, I'm like, 537 00:23:08,240 --> 00:23:09,760 Speaker 2: what do you want girl? She was like, when are 538 00:23:09,800 --> 00:23:12,080 Speaker 2: we gonna get back to TikTok Aka? I need money here? 539 00:23:13,800 --> 00:23:16,080 Speaker 2: And I was like yeah, because you know what, I say, 540 00:23:16,160 --> 00:23:17,800 Speaker 2: you know what because a listen has been slacking all 541 00:23:17,800 --> 00:23:21,119 Speaker 2: that TikTok and I said, you know what, I told Georgie, 542 00:23:21,880 --> 00:23:24,159 Speaker 2: that's not an automatic payment. Uh, she got to put 543 00:23:24,160 --> 00:23:26,120 Speaker 2: an invoice for those, And I said, I wasn't gonna 544 00:23:26,119 --> 00:23:27,879 Speaker 2: say anything because I wanted her to learn the lesson 545 00:23:27,920 --> 00:23:30,720 Speaker 2: of like that the well ones drive when you don't 546 00:23:30,720 --> 00:23:31,160 Speaker 2: do the work. 547 00:23:31,600 --> 00:23:33,560 Speaker 3: And so she hit me up real quick, was. 548 00:23:33,600 --> 00:23:36,639 Speaker 2: Like, so I think we should batch record when you 549 00:23:36,680 --> 00:23:38,359 Speaker 2: get back, I said, I bet. I said, okay, So 550 00:23:38,400 --> 00:23:41,440 Speaker 2: I sold her reach out to Rose my admin, put 551 00:23:41,520 --> 00:23:43,560 Speaker 2: yourself on my calendar, and we will tape. But I 552 00:23:43,600 --> 00:23:45,119 Speaker 2: told her, I listen, I'm not going to chase you 553 00:23:45,160 --> 00:23:48,080 Speaker 2: down that like you have to consistently deliver. 554 00:23:48,480 --> 00:23:50,280 Speaker 1: And she was like, let her know that that's breaking. 555 00:23:50,320 --> 00:23:53,200 Speaker 1: You're nothing new in October November rule girl. 556 00:23:53,280 --> 00:23:58,040 Speaker 2: Yeah exactly, so she is, but like yeah, so, but 557 00:23:58,080 --> 00:24:01,080 Speaker 2: it's just such a blessing that, like, you know, I 558 00:24:01,160 --> 00:24:02,560 Speaker 2: just would have ever thought that it would be it 559 00:24:02,600 --> 00:24:04,399 Speaker 2: could be like this still, which is like me and 560 00:24:04,440 --> 00:24:06,600 Speaker 2: a Lists are closer than ever, Me and Terrell are 561 00:24:06,640 --> 00:24:10,719 Speaker 2: closer than ever, you know, like you know, like everybody wins, 562 00:24:10,760 --> 00:24:12,919 Speaker 2: Like if I get that place, then Carol and the 563 00:24:12,960 --> 00:24:14,800 Speaker 2: kids get to stay here. Me and Draw talked about 564 00:24:14,800 --> 00:24:16,960 Speaker 2: that that if we buy another place, Carol, the kids 565 00:24:17,000 --> 00:24:20,240 Speaker 2: can come here, you know. So it's just the best 566 00:24:20,240 --> 00:24:22,560 Speaker 2: case scenario within the worst case scenario. You know. 567 00:24:23,440 --> 00:24:25,719 Speaker 1: Yeah, it makes me think about that book. Sheryl Sandberg 568 00:24:25,760 --> 00:24:28,679 Speaker 1: wrote after her husband passed option B. You can't have 569 00:24:28,760 --> 00:24:30,560 Speaker 1: option A, but you And I think the quote is 570 00:24:30,600 --> 00:24:32,320 Speaker 1: like kick the shit out of option B. And I 571 00:24:32,320 --> 00:24:34,359 Speaker 1: feel like you are kicking the shit out of your ear. 572 00:24:34,680 --> 00:24:36,160 Speaker 1: And I mean in the best way possible. 573 00:24:36,240 --> 00:24:37,320 Speaker 3: I'll be shying. Girls. 574 00:24:37,520 --> 00:24:41,760 Speaker 1: They are incredible, you know you're incredible, But like I mean, 575 00:24:43,000 --> 00:24:44,800 Speaker 1: and it's a journey and it's a process, and it's 576 00:24:44,880 --> 00:24:48,000 Speaker 1: just I'm just so always so proud of you. I 577 00:24:48,040 --> 00:24:51,000 Speaker 1: am as heartbroken because I feel the same way. It's 578 00:24:51,040 --> 00:24:53,800 Speaker 1: such a bittersweet, but like as heartbroken as I am 579 00:24:53,920 --> 00:24:56,880 Speaker 1: about Jarell, And of course, just I know that's where 580 00:24:56,880 --> 00:25:01,600 Speaker 1: you'd rather be with him, rich Auntie Tiffany, Like I 581 00:25:01,760 --> 00:25:06,919 Speaker 1: want the sitcom, I want the TikTok channel. I can't 582 00:25:06,960 --> 00:25:09,399 Speaker 1: wait to see that. I'm so excited for you. You 583 00:25:09,480 --> 00:25:12,320 Speaker 1: deserve whatever it is that you want that luxury. I'm 584 00:25:12,359 --> 00:25:14,760 Speaker 1: so proud of you for allowing yourself to acknowledge that 585 00:25:14,800 --> 00:25:18,320 Speaker 1: you want the nice things and get it. And hey, 586 00:25:18,359 --> 00:25:20,440 Speaker 1: if that condo and Nework is what you want, cool, 587 00:25:20,480 --> 00:25:23,159 Speaker 1: But I mean I'm all like, if you want that 588 00:25:23,200 --> 00:25:25,879 Speaker 1: one point too, Millie, you know, condo somewhere else and 589 00:25:25,880 --> 00:25:27,359 Speaker 1: that's what's going to make you happy. I'm just like, 590 00:25:27,400 --> 00:25:28,600 Speaker 1: don't let go of that yet either. 591 00:25:29,720 --> 00:25:30,680 Speaker 3: I'm open. I just told my I. 592 00:25:30,720 --> 00:25:33,200 Speaker 1: So I'm excited for you. 593 00:25:32,320 --> 00:25:34,520 Speaker 2: You know, I'm open, And I hope that you know, 594 00:25:34,760 --> 00:25:38,119 Speaker 2: be a fan like listening that you realize that like 595 00:25:39,160 --> 00:25:41,639 Speaker 2: when we talk about personal finance, this is the personal 596 00:25:41,640 --> 00:25:45,080 Speaker 2: part about the finance. That it's not just numbers on 597 00:25:45,080 --> 00:25:49,040 Speaker 2: a spreadsheet. You know that Like one of the reasons 598 00:25:49,080 --> 00:25:51,600 Speaker 2: why Mandy and I we do this podcast is because 599 00:25:52,040 --> 00:25:54,880 Speaker 2: we want you to have the options, to be able 600 00:25:54,920 --> 00:25:59,199 Speaker 2: to choose even when some choices have been taken from you. 601 00:25:59,800 --> 00:26:03,119 Speaker 2: It's like, how can I do the best, the best 602 00:26:03,160 --> 00:26:07,359 Speaker 2: possible thing, you know, no matter what's happening in my life. 603 00:26:07,359 --> 00:26:11,679 Speaker 2: And that's the power of like taking action when it 604 00:26:11,680 --> 00:26:15,119 Speaker 2: comes to your personal finances, that you get to decide 605 00:26:15,440 --> 00:26:17,919 Speaker 2: not every aspect of your life, but you get to 606 00:26:17,960 --> 00:26:19,800 Speaker 2: have a say, you know, you get to have a 607 00:26:19,800 --> 00:26:22,760 Speaker 2: big voice. And so like that's why I just share 608 00:26:22,800 --> 00:26:24,880 Speaker 2: so openly here because I just know that there's someone 609 00:26:24,880 --> 00:26:28,080 Speaker 2: who's listening who is feeling like that can't be me, 610 00:26:28,200 --> 00:26:30,440 Speaker 2: that's not me, and it's like, but it can be, 611 00:26:31,240 --> 00:26:33,040 Speaker 2: you know it can You know you might not be 612 00:26:33,080 --> 00:26:34,720 Speaker 2: able to choose A but like Mandy said, you could 613 00:26:34,760 --> 00:26:37,360 Speaker 2: kick the shit out an aption B But yes, nails. 614 00:26:37,320 --> 00:26:40,320 Speaker 1: That's love. Oh thank you. They came out way more 615 00:26:40,359 --> 00:26:41,840 Speaker 1: bridal than I wanted. But it was. 616 00:26:45,320 --> 00:26:46,400 Speaker 3: Let me find out. 617 00:26:49,960 --> 00:26:51,520 Speaker 1: You would support me, wouldn't you? 618 00:26:51,720 --> 00:26:53,760 Speaker 2: I would, I'd be like, girl, whatever you want. I'm 619 00:26:53,800 --> 00:26:56,360 Speaker 2: T Mandy, Sorry Amy U, I love you too. I'm 620 00:26:56,400 --> 00:26:56,960 Speaker 2: T Mandy and. 621 00:26:57,000 --> 00:27:02,040 Speaker 1: Rial thank you. We all need our allys. Right. Should 622 00:27:02,040 --> 00:27:03,919 Speaker 1: we take a quick little break and come back with 623 00:27:03,920 --> 00:27:10,479 Speaker 1: booster break? Yes see y'all in a minute, all right, 624 00:27:10,560 --> 00:27:14,200 Speaker 1: va fam, And now it's time to boost O BREAKO 625 00:27:14,280 --> 00:27:17,480 Speaker 1: boost O BREAKO boost A break so Tiffany can get 626 00:27:17,520 --> 00:27:19,639 Speaker 1: up out of here and go to Dubai. Let's do 627 00:27:19,680 --> 00:27:21,800 Speaker 1: this quickly. We got places to be. What are you 628 00:27:21,800 --> 00:27:23,720 Speaker 1: gonna do? Tif booster break or you want me to 629 00:27:23,720 --> 00:27:24,080 Speaker 1: go first? 630 00:27:24,119 --> 00:27:25,960 Speaker 3: You decide you go first? 631 00:27:26,880 --> 00:27:29,160 Speaker 1: Well, I would love to keep in theme with your 632 00:27:29,680 --> 00:27:32,160 Speaker 1: the talk we just had about your home your your 633 00:27:32,160 --> 00:27:35,320 Speaker 1: home purchasing journey and all of that, because husband and 634 00:27:35,359 --> 00:27:38,480 Speaker 1: I have been on our own journey to fight our 635 00:27:38,560 --> 00:27:41,560 Speaker 1: home appraisal, and like, I know how much we talk 636 00:27:41,600 --> 00:27:44,840 Speaker 1: about how black households are undervalued and underappraise and all 637 00:27:44,880 --> 00:27:47,720 Speaker 1: of that, But in a weird way, I am rooting 638 00:27:47,760 --> 00:27:52,040 Speaker 1: for my own low appraisal because our home, because our eyes, 639 00:27:52,119 --> 00:27:55,400 Speaker 1: our property taxes are craik ray, Like I want to say, 640 00:27:55,400 --> 00:27:58,240 Speaker 1: they're like between twelve and fourteen thousand, I forget. But 641 00:27:58,640 --> 00:28:01,920 Speaker 1: with the pandemic and with home values just shooting up 642 00:28:03,119 --> 00:28:07,919 Speaker 1: our town drastically increased our appraised home value, which drastically 643 00:28:07,960 --> 00:28:11,719 Speaker 1: increased our taxes to the point where we refinanced our 644 00:28:11,760 --> 00:28:15,359 Speaker 1: mortgage in twenty twenty. Was the summer of twenty twenty 645 00:28:15,359 --> 00:28:17,240 Speaker 1: when rates were really, really low. I think we got 646 00:28:17,280 --> 00:28:20,320 Speaker 1: a new rate at like two point eight or something 647 00:28:20,320 --> 00:28:24,119 Speaker 1: crazy like that, and we immediately saved three to four 648 00:28:24,200 --> 00:28:26,679 Speaker 1: hundred dollars and then it was like cute for a 649 00:28:26,680 --> 00:28:28,960 Speaker 1: few months, and then it was boom. We were back 650 00:28:29,040 --> 00:28:31,159 Speaker 1: up paying what we were paying before. So I was like, 651 00:28:31,160 --> 00:28:33,680 Speaker 1: what the heck was the point of that? So anyway, 652 00:28:34,960 --> 00:28:36,960 Speaker 1: and just for anyone who's out there. If you pay 653 00:28:37,000 --> 00:28:40,520 Speaker 1: attention to your you get like a what's it called 654 00:28:40,520 --> 00:28:43,560 Speaker 1: an assessment from your I don't know your town or 655 00:28:43,960 --> 00:28:46,480 Speaker 1: New York is kind of where you did. Okay, we're 656 00:28:46,480 --> 00:28:48,480 Speaker 1: in a town and they reassessed our home and it 657 00:28:48,600 --> 00:28:51,120 Speaker 1: was like one hundred thousand dollars more with something nuts 658 00:28:52,120 --> 00:28:55,200 Speaker 1: and we were like this it was it's always in 659 00:28:55,240 --> 00:28:57,920 Speaker 1: the spring, and then you have until like the summertime 660 00:28:58,040 --> 00:29:02,320 Speaker 1: juneish at least where we live to appeal it. And 661 00:29:02,360 --> 00:29:04,560 Speaker 1: we got our up. We got our appeal in late, 662 00:29:05,000 --> 00:29:07,600 Speaker 1: and there's like, because we were just busy and I 663 00:29:07,640 --> 00:29:09,760 Speaker 1: don't know, we just didn't have our crap together. But 664 00:29:09,800 --> 00:29:12,280 Speaker 1: there's actually real estate attorneys or real estate agents who 665 00:29:12,320 --> 00:29:14,720 Speaker 1: do this on the side, so they will help you 666 00:29:15,120 --> 00:29:17,840 Speaker 1: appeal your assessment and go through that process. Because we 667 00:29:17,880 --> 00:29:20,040 Speaker 1: put ours in late, which meant we put ours in 668 00:29:20,040 --> 00:29:23,640 Speaker 1: in like August or September, there's like a small court, 669 00:29:24,080 --> 00:29:28,800 Speaker 1: small court claim kind of situation. Now, so long story short, 670 00:29:28,960 --> 00:29:31,320 Speaker 1: we're in this process. I will update you guys, but 671 00:29:31,360 --> 00:29:33,800 Speaker 1: I think at this point we've paid five hundred dollars 672 00:29:33,840 --> 00:29:37,280 Speaker 1: to get our home reassessed, and the appraisal that we 673 00:29:37,400 --> 00:29:40,080 Speaker 1: got came in I want to say, like seventy five 674 00:29:40,120 --> 00:29:43,160 Speaker 1: thousand dollars under what the town had appraised it at. 675 00:29:43,200 --> 00:29:46,160 Speaker 1: So but they're fighting us on it. So yeah, so 676 00:29:46,200 --> 00:29:48,640 Speaker 1: now it's in like a small claims court situation. So 677 00:29:48,680 --> 00:29:52,560 Speaker 1: I'm taking a break for this whole situation. And it's 678 00:29:52,560 --> 00:29:55,360 Speaker 1: stressful because, you know, five hundred bucks for the appraisal, 679 00:29:55,520 --> 00:29:58,760 Speaker 1: and then the person who we've hired to represent us, 680 00:29:59,120 --> 00:30:02,360 Speaker 1: he's going to be charged d obviously a percentage of 681 00:30:02,400 --> 00:30:05,160 Speaker 1: our first year of savings. And don't quote me on 682 00:30:05,200 --> 00:30:07,080 Speaker 1: this because Husby has been dealing with it, and it's 683 00:30:07,120 --> 00:30:08,400 Speaker 1: to the point where I think I want to get 684 00:30:08,400 --> 00:30:10,640 Speaker 1: in there because I was trying to delegate. But he 685 00:30:10,800 --> 00:30:12,560 Speaker 1: was like, yeah, the guy said he's going to charge 686 00:30:12,560 --> 00:30:14,840 Speaker 1: his seventy five percent of whatever we save in the 687 00:30:14,880 --> 00:30:17,680 Speaker 1: first year on our taxes. And I was like, seventy 688 00:30:17,680 --> 00:30:20,560 Speaker 1: five cents like a lot. I don't know if he 689 00:30:20,560 --> 00:30:22,640 Speaker 1: has it all right, I got to figure it out. Yeah, 690 00:30:22,680 --> 00:30:24,800 Speaker 1: So that's the situation. If you have any advice or 691 00:30:24,800 --> 00:30:26,800 Speaker 1: you've been through this situation, like, let me know. 692 00:30:27,360 --> 00:30:31,520 Speaker 2: Well, I'll say this that like pipers, So my one 693 00:30:31,560 --> 00:30:33,480 Speaker 2: of my friends who lives not far from me, same 694 00:30:34,000 --> 00:30:36,680 Speaker 2: they refinanced, was like, woh, we saved a few hundred 695 00:30:36,880 --> 00:30:38,920 Speaker 2: you know, a few hundred dollars, and then their house 696 00:30:38,920 --> 00:30:41,400 Speaker 2: got reassessed and they were like, psych, we're right back 697 00:30:41,400 --> 00:30:44,000 Speaker 2: where we're plus some. So what they did with and 698 00:30:44,040 --> 00:30:46,520 Speaker 2: I'll ask her specifically what they did, but they were 699 00:30:46,560 --> 00:30:49,200 Speaker 2: able to go to the city. They got so it 700 00:30:49,280 --> 00:30:52,640 Speaker 2: went from like nine or something like that to fourteen 701 00:30:52,920 --> 00:30:55,560 Speaker 2: thousand annually, and so they were able to go to 702 00:30:55,560 --> 00:30:57,760 Speaker 2: the city and they were able to get it down 703 00:30:57,760 --> 00:30:58,280 Speaker 2: to eleven. 704 00:30:59,000 --> 00:31:01,160 Speaker 3: So I will ask, like, what did you say? You 705 00:31:01,160 --> 00:31:02,280 Speaker 3: know what I mean, like, what was the process? 706 00:31:02,280 --> 00:31:04,680 Speaker 2: Obviously Newark is different, but I don't know what the 707 00:31:04,720 --> 00:31:07,560 Speaker 2: process was, but I'll ask, like, what was that process like? 708 00:31:07,560 --> 00:31:09,600 Speaker 2: But I have heard that over and over again that 709 00:31:09,640 --> 00:31:12,040 Speaker 2: people have been able to kind of battle back their 710 00:31:12,320 --> 00:31:16,160 Speaker 2: their taxes. So so I'll ask and hopefully, you know, 711 00:31:16,200 --> 00:31:19,720 Speaker 2: it'll be helpful. But yeah, I definitely heard people had success. 712 00:31:19,760 --> 00:31:21,600 Speaker 2: So my dad would always say, do they have two 713 00:31:21,600 --> 00:31:24,120 Speaker 2: heads where there's success for one, there's success for others, 714 00:31:24,200 --> 00:31:26,640 Speaker 2: So you know, we're speaking life over that. 715 00:31:26,880 --> 00:31:29,080 Speaker 1: Yeah, I'd be curious if they did themselves or if 716 00:31:29,080 --> 00:31:32,120 Speaker 1: they hired someone, and if they did hire someone, how 717 00:31:32,160 --> 00:31:35,160 Speaker 1: did they pay? And how did that all work? Because 718 00:31:35,200 --> 00:31:36,800 Speaker 1: I feel like we are going to be saving something, 719 00:31:36,840 --> 00:31:39,600 Speaker 1: but I'm like, man, how much am I paying this person? Exactly? 720 00:31:39,800 --> 00:31:42,040 Speaker 2: Yeah, Yes, Sometimes it's hard to be like to not 721 00:31:42,080 --> 00:31:43,360 Speaker 2: try to be in the mix and let someone else 722 00:31:43,400 --> 00:31:45,440 Speaker 2: do it. But if that's your strength, sometimes you got 723 00:31:45,440 --> 00:31:47,600 Speaker 2: to jump in and be like, hey, tag me and 724 00:31:47,640 --> 00:31:48,080 Speaker 2: take me in. 725 00:31:48,400 --> 00:31:52,400 Speaker 1: I know, control freak, but I just I just don't 726 00:31:52,440 --> 00:31:54,840 Speaker 1: like no, and my husband is so he doesn't he 727 00:31:54,880 --> 00:31:57,400 Speaker 1: doesn't push, you know, I'm a pusher, Like I'm going 728 00:31:57,480 --> 00:32:00,360 Speaker 1: to ask the same question eleven to different ways until 729 00:32:00,400 --> 00:32:04,400 Speaker 1: I understand everything, which I think is a winning character trait. 730 00:32:04,600 --> 00:32:08,280 Speaker 1: I think it makes me spectacular at everything. But my 731 00:32:08,360 --> 00:32:11,640 Speaker 1: husband's like, why aren't you being so pushy? And like anyway, 732 00:32:11,680 --> 00:32:13,640 Speaker 1: But you know, I'm just gonna slide into the email 733 00:32:13,680 --> 00:32:16,760 Speaker 1: and remove him from the CC line. I never have 734 00:32:16,920 --> 00:32:18,160 Speaker 1: to know, Yeah. 735 00:32:17,960 --> 00:32:20,560 Speaker 2: Because honestly, it's thousands of dollars on the line, so 736 00:32:20,640 --> 00:32:22,000 Speaker 2: I'm gonna see we're not talking. 737 00:32:21,840 --> 00:32:24,560 Speaker 3: About, you know, the order of cookies from your favorite. 738 00:32:24,280 --> 00:32:25,760 Speaker 1: Bakery here, thank you. 739 00:32:25,920 --> 00:32:26,720 Speaker 3: I mean, you know, inview. 740 00:32:26,760 --> 00:32:29,040 Speaker 2: Sometimes it's times when it's like I gotta get in 741 00:32:29,080 --> 00:32:31,920 Speaker 2: the ring. You know, it's like you can't you gonta 742 00:32:31,960 --> 00:32:36,600 Speaker 2: let somebody jump your best friend. You gotta jump in, right, see, 743 00:32:36,800 --> 00:32:37,320 Speaker 2: justify me? 744 00:32:38,520 --> 00:32:38,840 Speaker 1: All right? 745 00:32:38,880 --> 00:32:41,760 Speaker 2: What about I'm going to do a boost that is 746 00:32:42,200 --> 00:32:45,040 Speaker 2: aligned but not the same. So I don't know if 747 00:32:45,080 --> 00:32:48,400 Speaker 2: I Well, y'all know that I helped to craft a 748 00:32:48,520 --> 00:32:50,440 Speaker 2: law called the budget. He's the law A one four 749 00:32:50,480 --> 00:32:54,280 Speaker 2: one four with assembly Woman Angeline McKnight. And then I 750 00:32:54,440 --> 00:32:56,960 Speaker 2: had the opposite thing happened with my house that it 751 00:32:57,000 --> 00:32:59,600 Speaker 2: was under praise, and as a result, Angela was like, well, 752 00:32:59,600 --> 00:33:03,040 Speaker 2: we can work on a law to make that illegal, 753 00:33:03,400 --> 00:33:04,920 Speaker 2: and not only to make it illegal, but to make 754 00:33:04,960 --> 00:33:07,959 Speaker 2: the education of what to do if that happens legal, 755 00:33:08,040 --> 00:33:08,760 Speaker 2: like mandatory. 756 00:33:09,320 --> 00:33:10,240 Speaker 3: And so that's like what. 757 00:33:10,960 --> 00:33:13,600 Speaker 2: So we were talking about it, and so she drafted 758 00:33:13,800 --> 00:33:17,640 Speaker 2: the bill based upon our conversation. I was in Dallas 759 00:33:17,680 --> 00:33:20,840 Speaker 2: speaking for Chase Banks, so I couldn't go, but she 760 00:33:20,840 --> 00:33:23,880 Speaker 2: she was. She went to she said she had to 761 00:33:25,200 --> 00:33:28,240 Speaker 2: what does she say, She's like, she was and she 762 00:33:28,240 --> 00:33:32,920 Speaker 2: had to basically go and testify. You know, I guess 763 00:33:32,920 --> 00:33:36,479 Speaker 2: at the you know, the the I don't even know Tretton, 764 00:33:36,520 --> 00:33:39,240 Speaker 2: which is like the law House or whatever. So anyway, 765 00:33:39,880 --> 00:33:44,480 Speaker 2: the bill passed. I know, it passed the Assembly committee yesterday. 766 00:33:44,680 --> 00:33:46,920 Speaker 2: So it's like the first of three steps. It has 767 00:33:47,000 --> 00:33:49,800 Speaker 2: to pass the Assembly committee. It's like, I'm just the 768 00:33:49,960 --> 00:33:54,640 Speaker 2: bill just like like that Schoolhouse rock song. And then 769 00:33:54,680 --> 00:33:56,720 Speaker 2: I believe the next it has to go to the 770 00:33:56,880 --> 00:33:59,880 Speaker 2: to the House, New Jersey House, you know, and then 771 00:34:00,080 --> 00:34:02,480 Speaker 2: has to go to the Senate, and if it passes there, 772 00:34:03,040 --> 00:34:07,120 Speaker 2: then it has to be signed by the governor, and 773 00:34:07,400 --> 00:34:10,680 Speaker 2: if he does sign it, it becomes a law. And 774 00:34:10,760 --> 00:34:14,560 Speaker 2: if he doesn't sign it, he can actively kind of 775 00:34:14,680 --> 00:34:17,560 Speaker 2: veto the law by saying no, or he can passively 776 00:34:17,640 --> 00:34:19,839 Speaker 2: veto the law by just not signing it. But our 777 00:34:19,840 --> 00:34:24,160 Speaker 2: current governor is Phil Murphy. He's a Democratic governor. She's 778 00:34:24,200 --> 00:34:27,160 Speaker 2: a Democratic assembly woman. So we hope that they're on 779 00:34:27,160 --> 00:34:30,600 Speaker 2: the line. So it's really exciting. And she was like, girl, 780 00:34:31,040 --> 00:34:34,480 Speaker 2: get ready for your new law name. I'm like, ooh, so, actually, 781 00:34:34,520 --> 00:34:38,319 Speaker 2: ba faun what's he called it? Like the budget, He's 782 00:34:38,320 --> 00:34:40,640 Speaker 2: gonna praise the law like what we what we calling it? 783 00:34:41,120 --> 00:34:43,120 Speaker 2: Something that's going to roll off. So here's the. 784 00:34:43,000 --> 00:34:45,359 Speaker 1: Thing, stop racist appraisals. 785 00:34:46,000 --> 00:34:48,920 Speaker 2: Right, technically it's going to be you know, like the 786 00:34:49,040 --> 00:34:50,879 Speaker 2: like the law names are like A one four one four, 787 00:34:51,000 --> 00:34:52,799 Speaker 2: Like if you were to google A one four one 788 00:34:52,800 --> 00:34:55,759 Speaker 2: four that's but Angela alas because she is so nice 789 00:34:56,320 --> 00:34:59,120 Speaker 2: and like she allows for me to like you know, 790 00:34:59,239 --> 00:35:01,200 Speaker 2: call it whatever, like as far as like media and 791 00:35:01,280 --> 00:35:03,120 Speaker 2: pressing things to bring attention to it. 792 00:35:03,440 --> 00:35:06,879 Speaker 3: And so I was like yeah, and. 793 00:35:06,880 --> 00:35:08,640 Speaker 2: So so it's not like, you know, if you go 794 00:35:09,200 --> 00:35:10,719 Speaker 2: to the courthouse, they're gonna be like, oh, we're talking 795 00:35:10,719 --> 00:35:12,840 Speaker 2: about the Budgetissa, They're gonna like, girl, what is no? 796 00:35:13,040 --> 00:35:14,759 Speaker 3: What is the name? A one four one four? 797 00:35:15,200 --> 00:35:19,759 Speaker 2: So but so I you know, yes, I would love 798 00:35:19,880 --> 00:35:22,840 Speaker 2: some some some law names. I mean preferably with the 799 00:35:22,840 --> 00:35:24,600 Speaker 2: worry of budgetestea in it, because I mean, if nothing, 800 00:35:24,640 --> 00:35:25,200 Speaker 2: I'm a marketer. 801 00:35:26,600 --> 00:35:29,680 Speaker 1: Yeah, of course the budget east appraise. 802 00:35:29,640 --> 00:35:33,240 Speaker 2: Appraise a lot yet or something and so like tweet 803 00:35:33,239 --> 00:35:36,080 Speaker 2: me at the Budgetista or at Branna Vision, hit me 804 00:35:36,120 --> 00:35:38,759 Speaker 2: on Insta or hit a Bannavision on Insta for some 805 00:35:38,880 --> 00:35:39,600 Speaker 2: law names. 806 00:35:40,440 --> 00:35:40,680 Speaker 3: Yeah. 807 00:35:40,680 --> 00:35:44,200 Speaker 2: But I'm excited because honestly, here's the thing. When because 808 00:35:44,200 --> 00:35:47,440 Speaker 2: we're claiming it, this goes through. It's not just that 809 00:35:47,480 --> 00:35:50,399 Speaker 2: it's going to make it illegal to appraise someone's home 810 00:35:50,440 --> 00:35:54,280 Speaker 2: and to use their erase their sexuality, their gender or whatever, 811 00:35:54,840 --> 00:35:56,919 Speaker 2: as as you know part of the reason why you praised. 812 00:35:56,920 --> 00:35:58,960 Speaker 2: There's no way to really prove that because people will 813 00:35:59,000 --> 00:36:01,120 Speaker 2: say whatever. But the part that I love, and that's 814 00:36:01,160 --> 00:36:04,719 Speaker 2: why I said make this part mandatory, is that it 815 00:36:04,760 --> 00:36:07,959 Speaker 2: will be that your realtor, once you are like either 816 00:36:08,040 --> 00:36:10,719 Speaker 2: selling or like I forget what stage in the buying process, 817 00:36:11,040 --> 00:36:14,000 Speaker 2: will have to give you an information sheet about the 818 00:36:14,040 --> 00:36:18,360 Speaker 2: appraisal process and what to expect. And if you suspect 819 00:36:18,360 --> 00:36:21,319 Speaker 2: that your appraisal has been done in a way that 820 00:36:21,440 --> 00:36:25,480 Speaker 2: you know that is reflective of your race, your gender, 821 00:36:25,520 --> 00:36:29,680 Speaker 2: your sexuality, whatever, here's a remedy and recourse. I thought 822 00:36:29,680 --> 00:36:32,400 Speaker 2: that was so powerful because now appraisers will know I 823 00:36:32,560 --> 00:36:35,279 Speaker 2: see you, I know what I'm supposed to expect, and 824 00:36:35,320 --> 00:36:36,959 Speaker 2: if you don't do what you're supposed to do, here's 825 00:36:37,000 --> 00:36:41,200 Speaker 2: who I call to report you. Because there's nothing took. 826 00:36:41,719 --> 00:36:44,279 Speaker 2: It took like weeks of research to figure out what 827 00:36:44,280 --> 00:36:46,400 Speaker 2: do I do when this happens, And honestly, there was 828 00:36:46,440 --> 00:36:48,920 Speaker 2: still no clear like this is what you're supposed to do. 829 00:36:49,120 --> 00:36:51,239 Speaker 2: And now it's like no, no, no, here's who you call. 830 00:36:51,440 --> 00:36:54,200 Speaker 2: Here's how you report that appraiser. Some appraises were mad, 831 00:36:54,440 --> 00:36:57,480 Speaker 2: and I'm like, why a hit dog on holla? So 832 00:36:57,600 --> 00:37:00,000 Speaker 2: come from if you won't, because my block name is strong. 833 00:37:00,560 --> 00:37:04,759 Speaker 2: Because if you're not appraising someone's property based upon those 834 00:37:04,760 --> 00:37:07,399 Speaker 2: things what you worry for, you know what I mean? 835 00:37:07,440 --> 00:37:10,160 Speaker 1: It makes your job more stressful and more over like, 836 00:37:10,200 --> 00:37:12,839 Speaker 1: but that's the point of having watchdogs. That's important. Yeah, 837 00:37:13,000 --> 00:37:14,600 Speaker 1: checks and balances. 838 00:37:13,960 --> 00:37:15,120 Speaker 3: Exactly what you worried for. 839 00:37:15,280 --> 00:37:17,480 Speaker 1: That's for a raise exactly. 840 00:37:17,560 --> 00:37:20,239 Speaker 3: So so I'm just excited about that. That's a's a 841 00:37:20,360 --> 00:37:22,560 Speaker 3: it's a big booth. That's huge. 842 00:37:22,640 --> 00:37:24,880 Speaker 1: I'm excited too. It's also a good reminder that the 843 00:37:24,880 --> 00:37:29,880 Speaker 1: midterms elections, y'all. Okay, these local official positions like Angela 844 00:37:30,160 --> 00:37:32,879 Speaker 1: McKnight and the people in the House, like all these 845 00:37:32,920 --> 00:37:35,160 Speaker 1: local level like this is who's in charge of our 846 00:37:35,640 --> 00:37:38,319 Speaker 1: like the legislation that really impacts us at home. So 847 00:37:38,360 --> 00:37:41,640 Speaker 1: if you are not ready for November, what is it now? Fourth? 848 00:37:41,840 --> 00:37:43,640 Speaker 1: When is when's the election day? Is it November first? 849 00:37:43,719 --> 00:37:44,560 Speaker 3: Yeah? I think it's a fourth. 850 00:37:44,719 --> 00:37:48,759 Speaker 1: It's like, wait, is it like next week? Anyway, it's 851 00:37:48,760 --> 00:37:51,200 Speaker 1: coming up. It's the first. It's like the Tuesday in November, right, 852 00:37:51,320 --> 00:37:53,960 Speaker 1: m hmm, it's coming up. Very soon. Get your asses 853 00:37:54,040 --> 00:37:56,000 Speaker 1: to the polls okay, and if you can't be in town, 854 00:37:56,280 --> 00:38:01,440 Speaker 1: absentee ballot, I'm looking at you, Georgia, listen, don't love 855 00:38:01,480 --> 00:38:04,479 Speaker 1: Stacy walk Away a loser again. Listen. I will come 856 00:38:04,560 --> 00:38:09,640 Speaker 1: for you. Georgia, make it up. I'm so stressed, but yes, 857 00:38:10,080 --> 00:38:14,280 Speaker 1: please vote. That's all all right, And that was the next. 858 00:38:14,080 --> 00:38:15,600 Speaker 3: Time, bapam. 859 00:38:15,920 --> 00:38:19,200 Speaker 2: Actually, we'll see you on Friday for BAQA. If you 860 00:38:19,200 --> 00:38:22,279 Speaker 2: have your questions, you can hit us up. Obviously you 861 00:38:22,280 --> 00:38:24,319 Speaker 2: can hit us up on all our socials, but if 862 00:38:24,320 --> 00:38:26,000 Speaker 2: you want to be actually be on the show with us, 863 00:38:26,520 --> 00:38:30,960 Speaker 2: you can leave an audio note via our Instagram account 864 00:38:31,040 --> 00:38:33,840 Speaker 2: Brunda Vision Podcast, and we will pick and choose and 865 00:38:33,880 --> 00:38:34,520 Speaker 2: maybe we'll have you. 866 00:38:34,480 --> 00:38:38,040 Speaker 1: On Yes, And although Tiffany will be in the Arabian 867 00:38:38,080 --> 00:38:40,960 Speaker 1: sunset as she should be celebrating her birthday and all 868 00:38:41,000 --> 00:38:43,560 Speaker 1: the things, I will be here next week with a 869 00:38:43,840 --> 00:38:46,920 Speaker 1: very very special Halloween episode. We're talking about all the 870 00:38:46,960 --> 00:38:49,120 Speaker 1: scary financial topics that y'all don't want to talk about. 871 00:38:49,120 --> 00:38:51,959 Speaker 1: We're making it fun and I have some very special guests. 872 00:38:51,960 --> 00:38:54,919 Speaker 1: We're going to have Delian Borrows from Delian the Money Coach, 873 00:38:54,960 --> 00:38:57,239 Speaker 1: and we're going to have Mark Russell, who's my new 874 00:38:57,360 --> 00:39:00,879 Speaker 1: bestie for better wallet, so please please please join us, 875 00:39:00,920 --> 00:39:04,640 Speaker 1: and most exciting, it's going to be live on YouTube, 876 00:39:04,719 --> 00:39:08,600 Speaker 1: so keep your eyes looking, keep your eyes to our email. 877 00:39:08,680 --> 00:39:10,719 Speaker 1: With our newsletter this week, we'll have a link to 878 00:39:10,719 --> 00:39:13,400 Speaker 1: where you can tune in to watch us live on YouTube, 879 00:39:14,080 --> 00:39:15,839 Speaker 1: so you know, we'll get that party started even though 880 00:39:15,880 --> 00:39:16,680 Speaker 1: Tiff can't be here. 881 00:39:16,960 --> 00:39:19,960 Speaker 3: I love it. Don't ghost be here? Get it ghosts. 882 00:39:20,000 --> 00:39:22,600 Speaker 3: Howie should I dress up? 883 00:39:22,640 --> 00:39:24,120 Speaker 1: I think I might actually dress up? 884 00:39:24,160 --> 00:39:25,120 Speaker 3: Oh I should? 885 00:39:26,440 --> 00:39:27,759 Speaker 1: I think I might. I think I might have a 886 00:39:27,800 --> 00:39:28,600 Speaker 1: little fun that. 887 00:39:28,680 --> 00:39:30,399 Speaker 3: Way, you guys get like that. You have to join 888 00:39:30,480 --> 00:39:31,800 Speaker 3: YouTube and watch. 889 00:39:32,160 --> 00:39:34,000 Speaker 1: Then you have to see what my costume is going 890 00:39:34,040 --> 00:39:36,040 Speaker 1: to be, what the makeup situation is going to be? 891 00:39:36,120 --> 00:39:36,200 Speaker 3: Like? 892 00:39:36,440 --> 00:39:38,040 Speaker 1: All right, damn it. Now I've said it, so now 893 00:39:38,080 --> 00:39:42,279 Speaker 1: I've committed. All right, fine, but Tiff, please enjoy your trip, 894 00:39:42,320 --> 00:39:43,120 Speaker 1: get some get packed. 895 00:39:43,160 --> 00:39:45,200 Speaker 3: Okay, thank you, Bye. 896 00:39:45,040 --> 00:39:48,479 Speaker 1: Bye, hey ba fam. We could not do this show 897 00:39:48,520 --> 00:39:51,280 Speaker 1: without your support or the support of our team behind 898 00:39:51,320 --> 00:39:54,800 Speaker 1: the scenes. The Brown Emission podcast is produced by Cumulus 899 00:39:54,840 --> 00:39:58,719 Speaker 1: Podcast Network. It's edited by the wonderful Emani Crosby and 900 00:39:58,760 --> 00:40:03,440 Speaker 1: produced by Tanya Boost Dennistimplinsky is our in house tech curu, 901 00:40:03,520 --> 00:40:06,239 Speaker 1: and I am Bandy Wodchard Santos, your co host, and 902 00:40:06,400 --> 00:40:11,840 Speaker 1: I will see y'all next week