Speaker 1: Is it your financial scaries lurking in the closet. Is
Speaker 1: it the fear about those bills you know in your
Speaker 1: mailbox right now that you haven't opened. Whatever is scaring
Speaker 1: you financially, We're going to talk about it this Halloween.
Speaker 1: For the first time ever, we are doing a live
Speaker 1: Brown Ambition YouTube extravaganza where we're going to be talking
Speaker 1: about the spooky and scary financial topics that are keeping
Speaker 1: you awake at night. So come face your fears with us.
Speaker 1: I will be here your girl Mandy Money, along with
Speaker 1: two incredible guests, Delian Barros from Ask the Money Coach
Speaker 1: and Mark Russell. If y'all have not met Mark, you
Speaker 1: are in for a treat Mark Russell from Betterwallet. They
Speaker 1: are both joining me live in the Brown Ambition studio
Speaker 1: for a special Halloween episode. So if you want to
Speaker 1: tune in, join us Monday, October thirty, first Halloween Day,
Speaker 1: at one pm Eastern that's twelve pm Central live on YouTube.
Speaker 1: To follow along, go to YouTube dot com search Brown Ambition.
Speaker 1: That's where we will be showing up live. I will
Speaker 1: see y'allo on Halloween.
Speaker 2: Hey, Hey, hey, we're back.
Speaker 3: We're black, We're Brown Ambition. Ambition. Hey, Angel, how are you?
Speaker 1: I'm doing just fine, even though I'm not gonna lie.
Speaker 1: I dropped off homeboy at daycare today and I came home.
Speaker 1: It's one of these rainy days, and I crawled into
Speaker 1: bed and I felt so kilty about it. I crawled
Speaker 1: back into bed for an hour, but I just I
Speaker 1: don't know what I needed. I just needed to sleep
Speaker 1: a little bit longer. So one of them days. But
Speaker 1: I have been, you know, working NonStop for a couple hours.
Speaker 1: Now I'm lucky to have a break and get to
Speaker 1: talk to you.
Speaker 3: Yeah. So I go to do Bay tomorrow. Woo woop.
Speaker 3: It's all y'all.
Speaker 2: Yeah, you know, you know how it is the day
Speaker 2: before your vacation. Everyone's like, so just five minutes of
Speaker 2: your team, So what are you?
Speaker 3: I know?
Speaker 2: So that's been crazy, but I'm excited about Dubai. I'm
Speaker 2: going with my sister Carol. She's the mom of Row
Speaker 2: Row and me me that you gonna talk about all
Speaker 2: the time that live down the street from me. So
Speaker 2: I'm sure they're going to have a heart attack when
Speaker 2: they're like, you're leaving again, because they were like, next
Speaker 2: time you go on a plane, mommy, I want to go.
Speaker 1: So I'm so proud of her day. Yes, right, because
Speaker 1: it was a big deal for her to go to
Speaker 1: that trip with Vegas. Yeah, your sisters, right.
Speaker 2: And then we also went she came with me to
Speaker 2: the team trip to New Orleans. So you know, the
Speaker 2: kids are sick of her. They were like, girl, listen
Speaker 2: too much outside.
Speaker 1: So she's a dead beet. Mom, Is that what's happening?
Speaker 3: No, first, let me just say you're gonna be mad.
Speaker 3: I tell the story.
Speaker 2: But we because the kids always want to see pictures
Speaker 2: when we come back from trips, so we were showing
Speaker 2: like them pictures of like us at when we want
Speaker 2: to go see Usher, and so now we had front row.
Speaker 2: So at one point Usher was like, you know, reaching
Speaker 2: to the audience, and so Carol reached up and held
Speaker 2: her handful of gas. He saying, and Roman was like,
Speaker 2: because you know that's son, he's school. He said, I
Speaker 2: know that is I said, what is that? He said,
Speaker 2: that's romance.
Speaker 1: That's when I say, out of the words of no,
Speaker 1: he said, So he get to the full Easter ray
Speaker 1: treatment though, did you see that video? No?
Speaker 3: Ray, I know, I was like, you a lady now, so.
Speaker 1: I mean I wasn't even that into usher, but I
Speaker 1: would have. I don't know what, I'm so awkward. I
Speaker 1: do not know what what I would have done if
Speaker 1: that had been me. But didn't We all wish it
Speaker 1: was us.
Speaker 2: But yeah, it was just funny but no. So so
Speaker 2: two things. One, one of my friends Denise from high school,
Speaker 2: who I'm not seen it forever, was like, oh, we're
Speaker 2: having like a mid year reunion. It's like twenty five years,
Speaker 2: you know, We're just going to meet up at like
Speaker 2: this like restaurant slash bar. And I was like, girl,
Speaker 2: I'm not going. I didn't go to the twentieth. I'm
Speaker 2: not going to the twenty fifth. And she's like, just come.
Speaker 2: But I ended up going, and I'm really glad that
Speaker 2: I did. As usual, I was the only chocolate chip,
Speaker 2: but that's what it feels for you. But honestly, it
Speaker 2: was great because I forgot. I'm like, oh, Diane from
Speaker 2: science class and from math and I say, it was
Speaker 2: really great, And it was crazy to hear them be
Speaker 2: like I'm so proud of you, Tiffany.
Speaker 3: I'm like, wait, you guys follow me because the course.
Speaker 2: Yeah, but I was, you know, because I don't you know,
Speaker 2: and they were just like trying to everybody was our
Speaker 2: chocolate chip, but they were so I mean, the truth is,
Speaker 2: actually had a decent high skill experience. I didn't, you know, certainly,
Speaker 2: you know, there's always stuff in high school, but in general,
Speaker 2: I enjoyed my high school experience. I wasn't cool, but
Speaker 2: I wasn't like some somebody who didn't have friends, you know.
Speaker 2: I was someplace in the middle, like the average kid.
Speaker 2: And and honestly, everyone there I remembered fondly, there wasn't anyone. Well,
Speaker 2: there was one girl, Nicole Dice. Be so scared because
Speaker 2: Nicole was a tough She was tough and I spoke
Speaker 2: I don't want to call to beat me up.
Speaker 3: But other than that, but she was so nice. When
Speaker 3: I saw her, I was like, Nichol, iiced be so
Speaker 3: scared of you.
Speaker 2: She was like really, and then everyone was like Nicole, Yes,
Speaker 2: but it was other like honestly, it was just a really.
Speaker 3: Good time and I'm just glad.
Speaker 2: I want went to thank you so much, Denise for
Speaker 2: dragging me out of the house. But I have exciting
Speaker 2: news that has a financial spin. So I have been
Speaker 2: open to purchasing another property for myself to live in.
Speaker 2: I just think it's time, you know. But I just
Speaker 2: said I was just gonna start looking, you know, like
Speaker 2: no real like cause obviously I have a home, it's
Speaker 2: paid off, there's no rush, you know. So I started
Speaker 2: to look, and at first I was like, maybe I
Speaker 2: want to live in, Like, there's some really pretty towns
Speaker 2: surrounding Newark, like South Orange, Maplewood there a little bougier
Speaker 2: and like Montclair super bougie. So I went and saw
Speaker 2: some places, but honestly, a lot of the homes that
Speaker 2: were in the range that I was initially thinking, like
Speaker 2: the seven or eight hundred thousand dollars range, were either
Speaker 2: similar to the house I have now but not as nice,
Speaker 2: or like nice as the house that I have now,
Speaker 2: but not as big. And so I was kind of like, well,
Speaker 2: why would I move to less, you know? And then
Speaker 2: it was like, well, if you're wanting a more upscale house,
Speaker 2: because that's what I'm feeling like now, this house is
Speaker 2: very family It's like a if you were to come
Speaker 2: and when you've come here, Mandy, it's very much like
Speaker 2: this is for a family and kids. And that was
Speaker 2: the that's why Jirelle and I you know, we designed
Speaker 2: it with that in mind, and now that that's not happening,
Speaker 2: I was like, I'm I want to move into the
Speaker 2: rich auntie face of my life, which is like I
Speaker 2: want your last tables.
Speaker 3: Right, exactly right. And so.
Speaker 2: Because as it is now, any kid could like your
Speaker 2: kids next for you have to bring Rio and I'll
Speaker 2: have Roman and a million be here because this is
Speaker 2: like the ultimate kid friendly but also like adults love
Speaker 2: it kind of house, you know, and so so. But
Speaker 2: for the price range in those towns that I was
Speaker 2: looking at, I was looking at at at least a
Speaker 2: million dollars up to a million and a half, but
Speaker 2: I was open to that.
Speaker 3: I was like, okay, I won't. I'll get a mortgage.
Speaker 2: I'll put like you know, a quarter down or half
Speaker 2: down or whatever, and I'll still do that. And because
Speaker 2: I didn't know that I wanted fancy until I saw
Speaker 2: one property and like maybe what to South Orange. It
Speaker 2: was like one point three million, and I walked in
Speaker 2: and I gasped, and I realized I want to gasp
Speaker 2: when I walk in. But it was too big. It
Speaker 2: was like six bedrooms, four and a half bath. I'm like,
Speaker 2: for who you know? But It made me realize that
Speaker 2: that was a level that I wanted. Then recently my
Speaker 2: friend Cabrel miss to know it all, was like, consider
Speaker 2: a condo that where you don't have to worry about shoveling,
Speaker 2: you don't have to worry about Tiffany. You're traveling a
Speaker 2: lot more now, so you don't you know, there's a
Speaker 2: you know, you might have a doorman. And I said,
Speaker 2: you know, I never thought about that. I'd owned a
Speaker 2: condo with my first property, but it was like a
Speaker 2: condo townhouse, so it didn't feel very condo. We you know,
Speaker 2: it was so but I started to look and then
Speaker 2: yesterday Mandy I saw a condo that I fell in
Speaker 2: love with. I was like, wait, I think I'm putting
Speaker 2: an offering today.
Speaker 1: I know what that is.
Speaker 3: That's a romance, yes, exactly, and it is so.
Speaker 2: One of a few things that I really love is
Speaker 2: my house was built in nineteen nineteen. I love a
Speaker 2: historic home, and many condos are new builds. But this
Speaker 2: condo actually was built in the nineteen like the early
Speaker 2: nineteen twenty, I think nineteen twenty, so it has very
Speaker 2: similar features to my home. My house is twenty two
Speaker 2: hundred square feet doesn't include the basement, so maybe it's bigger,
Speaker 2: but it's a good size house. The condo is twenty
Speaker 2: eight hundred, like luxury, and it's beautiful and you walk
Speaker 2: in and you're like, it's giving the Huxtables. It's giving
Speaker 2: like Charlotte's Apartment and Sex in the City.
Speaker 3: It is so beautiful and I'm not gonna lie.
Speaker 1: I was like floral arrangements.
Speaker 3: Yes it was. It's big, but not so.
Speaker 2: It's four bedrooms and it includes a separate like it's
Speaker 2: not it doesn't.
Speaker 3: They don't.
Speaker 2: They don't consider it the bedroom because it doesn't have
Speaker 2: a closet, but it's it's a separate room that the
Speaker 2: woman has used as like a mini gym, you know.
Speaker 2: So it's like five rooms, three full bath and bass
Speaker 2: and a half bath. The living room is actually bigger
Speaker 2: than my living room, my dining rooms. I mean yes,
Speaker 2: the living room in the dining room is bigger than
Speaker 2: my current dining room and living room. The woman who
Speaker 2: owned it, because the condo is the building is ninety
Speaker 2: five years old. It actually was built to compete with
Speaker 2: the Delaney in New York. I'm not familiar, but I
Speaker 2: was looking at research, which is some luxurious kind of
Speaker 2: that they built in the nineteen twenties for like the
Speaker 2: rich and the famous back then, so it was built
Speaker 2: during then. So like when you walk in, it's like
Speaker 2: marble and panel and this is like just the lobby.
Speaker 3: It has a doorman. He works every day six.
Speaker 2: To six, so six pm to six am. Now the
Speaker 2: thing is, it's like, you know, It's what I love
Speaker 2: is it's still in my current neighborhood, so I could
Speaker 2: still do my regular walks.
Speaker 3: My friends are still here.
Speaker 2: Carol and the kids quite honestly probably would live in
Speaker 2: the house where I live now because they live down
Speaker 2: the street. And I'm like, well, you guys can just
Speaker 2: live here because I'm not selling this house. I love
Speaker 2: this house. I'm just like looking for a change.
Speaker 3: Now. Those are like the pros.
Speaker 2: Another pro is that the person who owned it fully
Speaker 2: renovated it, so even though it's an older building, all
Speaker 2: the plumbing and the electrical is new. In that unit.
Speaker 2: It's almost like a double unit in comparison to others.
Speaker 2: And this was kind of on my secret wish list.
Speaker 2: It has a huge picture frame window that picture frames
Speaker 2: the city, the New York City skyline.
Speaker 3: I'm like, I'm not gonna lie. But that's the pros.
Speaker 2: The cons are okay because it is an older play one.
Speaker 2: The association fee is not cheap. So I don't know
Speaker 2: what's a lot in New York or whatever, but here
Speaker 2: it's it's twelve twelve fifty a month, so it's like
Speaker 2: you pay that, but also include that includes like, you know,
Speaker 2: all the maintenance not in inside your apartment but inside
Speaker 2: you know, outside every place else. And it also includes
Speaker 2: your heat and hot water, so I don't have to
Speaker 2: pay that, you know, the like, so when he comes out,
Speaker 2: I don't have to worry about that. So I just
Speaker 2: paid my electric bill basically, and it includes sewage and
Speaker 2: garbage remove all that stuff. So I just paid the
Speaker 2: electric bill as far as utilities and the internet if
Speaker 2: I want it. So it's twelve fifty, So that to
Speaker 2: me is not a deturn for me. And I'm like,
Speaker 2: that's fine. The taxes are really reasonable. I'm sharing these
Speaker 2: numbers because I don't know what's normal for y'all, and
Speaker 2: I think it's good.
Speaker 1: To hear you.
Speaker 3: Still.
Speaker 1: I was kind of asked, do you still play paid
Speaker 1: property taxes?
Speaker 3: Yes?
Speaker 2: You do though, so right now in my house, now
Speaker 2: my property taxes. Last time I check, I want to
Speaker 2: say it was like eighty four hundred for the year,
Speaker 2: which is the lowest in Essex County.
Speaker 3: So I don't know what they What are yours?
Speaker 1: How to get out of Westchester?
Speaker 3: Okay?
Speaker 1: Did you here's I'll give one thousand last time I checked.
Speaker 3: Yeah, And honestly, like, my parents pay fourteen.
Speaker 2: And I'll say this that in Montclair the average is
Speaker 2: like twenty thousands, some people paying thirty thousand.
Speaker 3: So I was like, are you gonna move to fancy
Speaker 3: Montclair or down the street in New York? So and
Speaker 3: so the condo is seven thousand, which I was like, okay, So.
Speaker 1: You're looking at two thousand a month.
Speaker 3: No, no, no a year for the for the property taxes.
Speaker 1: Oh the taxes okay, okay, yes.
Speaker 2: So seven thousand of your property taxes, twelve hundred for
Speaker 2: maintenance and so so I was like, okay, So basically
Speaker 2: you're looking at even because I planned I would plan
Speaker 2: on purchasing it cash.
Speaker 3: I so I first thing I did was I hit
Speaker 3: up Angelia.
Speaker 2: I said, what's best, because you know me the cash queen,
Speaker 2: that's not always best with interest. It's the way they're
Speaker 2: doing you know that's not always now, what's that girl?
Speaker 2: So though, so what Angelie did tell me? She said, well,
Speaker 2: certainly the ideal would be half down half let's put
Speaker 2: into the market.
Speaker 3: You know. So they're wanting five thirty nine. It was on.
Speaker 2: It was on the market for five seventy five initially,
Speaker 2: and like some months ago they took it off, put
Speaker 2: it back on, and now it's five thirty nine. Girl,
Speaker 2: I'm not offering that. Hopefully they don't listen, because I
Speaker 2: don't think so. But because I'm offering a cash deal
Speaker 2: of four to seventy five will probably end around four
Speaker 2: eighty five, four ninety five, that's probably where a little
Speaker 2: it'll land, you know. So so I'm going to offer
Speaker 2: that in cash, you know, because it will because if
Speaker 2: I mean, certainly I can get them more. Because I
Speaker 2: asked Angelie what is best? She said, Ideally I would
Speaker 2: love to see you put half down half. You know,
Speaker 2: we can put half in the market. But if you're
Speaker 2: wanting to get like the best deal as far as
Speaker 2: like the overall cost, you know, obviously cash is going
Speaker 2: to be king and you're more likely to get it
Speaker 2: at that price range. Now, if they're going to push
Speaker 2: you for more and you really really want it, then
Speaker 2: you can be like, well it's not cash, then we'll
Speaker 2: do half down.
Speaker 3: I'll put half in the market.
Speaker 2: And so yeah, because four seventy five is not, you know, bad,
Speaker 2: Like literally, I had a friend look at it.
Speaker 3: She was like, because she lives in Harlem. I believe
Speaker 3: she's like this in Harlem.
Speaker 2: You're looking at a minimum of two million dollars for
Speaker 2: this apartment in Harlem.
Speaker 1: I was just gonna say, that seems so reasonable, I
Speaker 1: know for it condo.
Speaker 2: So the reason I'm sharing this with y'all is because
Speaker 2: there are as you as you decide what life is
Speaker 2: going to look like and the things that you're wanting
Speaker 2: to support the left that you're wanting to get.
Speaker 3: It's like these are huge financial choices as well.
Speaker 2: Because certainly Newark is Newark, it is much better than
Speaker 2: it's been. But where the condo is, there are other
Speaker 2: like it's one it's two blocks up from my current house,
Speaker 2: meaning which is very residential, but it's not on a
Speaker 2: residential street. It's on a street that has other condos
Speaker 2: and things like that. So there's there's a noise component
Speaker 2: that I'm gonna have to to decide if I want
Speaker 2: to navigate with because it's city living, so you're gonna
Speaker 2: hear some city noise, you know. So it's like the
Speaker 2: building itself is really quiet. Everybody there is like quiet.
Speaker 2: And I asked a bunch of tenants and they loved it.
Speaker 2: Most people live there for like twenty years, you know,
Speaker 2: and so so.
Speaker 3: That's not the issue.
Speaker 2: But I'm gonna hear more outside noise than I would
Speaker 2: in my super residential neighborhood where I live now, even
Speaker 2: though it's only like a two block differential, you know.
Speaker 2: So I was like, okay, So I actually have a
Speaker 2: call with a friend later on today who lives there,
Speaker 2: to get like a really good indicator of like by noise,
Speaker 2: what do you mean like every day at King Sineta
Speaker 2: noise like routang outside.
Speaker 1: Your window, noise in the night for a night, just
Speaker 1: to test it. O.
Speaker 2: Well, the thing is you don't really hear the noise
Speaker 2: and extep for the summertime because you know, people be
Speaker 2: outside outside. Yeah you know, so like you're not hearing
Speaker 2: it now, so you know. So but I told myself,
Speaker 2: certainly I can move to a South Orange, a Maplewood,
Speaker 2: a Montclair and pay twenty fifteen minimum to upwards of
Speaker 2: thirty thousand dollars annually for taxes for super super super.
Speaker 3: Quiet, even if it's a condo.
Speaker 2: And I can also pay two to three times the
Speaker 2: amount for the property, you know, or I can say
Speaker 2: because basically I'm weighing the options of what matters to me,
Speaker 2: because an Julia and I just came up with like
Speaker 2: my big magic number of what do I if I
Speaker 2: wanted to make two hundred and fifty thousand dollars a
Speaker 2: year just waking up and going to sleep, what do
Speaker 2: I have to be?
Speaker 3: What do I have to put up?
Speaker 2: Like She's like, you don't have to work now necessarily
Speaker 2: if you didn't want to, and you can maintain your
Speaker 2: current life. But if let's just say you were like
Speaker 2: you don't want to do anything and you still want
Speaker 2: to yield to fifty, then you have some more money
Speaker 2: to put up, you know. And I said, okay, So
Speaker 2: but that was with the if I purchased a home
Speaker 2: for one point.
Speaker 3: Two million plus.
Speaker 2: But if I do this, then I can adjust what
Speaker 2: I have to do as far as work is concerned.
Speaker 3: And so there's like this ebb and flow, you know
Speaker 3: what I mean, Like, do.
Speaker 2: You know, do you go for the fancier and have
Speaker 2: like the accoutament but not be next to your tribe
Speaker 2: and your family. Do you stay here in New York
Speaker 2: where some Newark things for sure, but you get it
Speaker 2: at a price that's like, girl, you can pay for that,
Speaker 2: you know, out of pocket, and you get to be
Speaker 2: next to family and friends and it's beautiful and I
Speaker 2: wouldn't not that I wouldn't be able to afford this
Speaker 2: someplace else, but the financial burden is three times as much.
Speaker 3: And so that's kind of like what I'm weighing now.
Speaker 2: I mean, obviously I'm leaning heavily towards staying here in York,
Speaker 2: but I just wanted to share that because I was like,
Speaker 2: it's just like, you know, it's been Darrell passed away
Speaker 2: November fifteenth of last year, and I can't believe it's
Speaker 2: been almost a year. It's so crazy and it's been
Speaker 2: almost a year. And now it's like it's like finally
Speaker 2: I'm out of the fog kind of, and I'm just like, well,
Speaker 2: what what next?
Speaker 3: And how do I want life to go? You know?
Speaker 2: And that's that's why I've been like really asking myself,
Speaker 2: how do you want life to go, and you know,
Speaker 2: Durell was like he mowed the lawn, he shoveled, he
Speaker 2: did all those things, and without someone there to do that,
Speaker 2: It's like, well what does that look like for.
Speaker 3: You, Tiffany?
Speaker 2: You know, like you know, and and also safety, you know,
Speaker 2: like I come in the house, and also nothing's ever
Speaker 2: happened here, but there's a safety of being Like as
Speaker 2: the brand grows and I get to be more known,
Speaker 2: it's nice that the doorman is there and no one's
Speaker 2: going to follow me into my building, you know. And
Speaker 2: so I'm just making you know, these life choices are
Speaker 2: not just life choices. These are also like financial choices.
Speaker 2: And I just was talking about with you guys, so
Speaker 2: you can see, like this is the thought process that
Speaker 2: I go through. And if you're making your own kind
Speaker 2: of like life choices, not to forget the finance part
Speaker 2: of it.
Speaker 3: You know.
Speaker 1: Well, I'm excited for you. I know you've been talking
Speaker 1: about it, and I feel like you've approached it so
Speaker 1: thoughtfully and you're given yourself time.
Speaker 3: You know.
Speaker 1: Isn't there the adage like don't make any big life
Speaker 1: choices after such a big loss like that like six
Speaker 1: months or something like that, but you've approached it so thoughtfully.
Speaker 1: And the thing is, I mean, buying a home at
Speaker 1: any time is like always such a loaded kind of
Speaker 1: like anxiety inducing. Is it the right decision, blah blah blah.
Speaker 1: But I feel like at the end of the day,
Speaker 1: it's about you make the decision with what where you
Speaker 1: are now, with what you want now, do the best
Speaker 1: you can to project into the future what you may want.
Speaker 1: But I also feel like if you decide to change
Speaker 1: your mind, that those properties will still be there. You
Speaker 1: can still get your you know, if you want that
Speaker 1: ocean front luxury condo on the shore or whatever it
Speaker 1: is that you want. I feel like, okay, how's number
Speaker 1: three then? Or four? At this point a lost truck?
Speaker 2: Well, I'm selling thankfully, you know. The house to Drell
Speaker 2: and I bought together the rental property. His brother, his
Speaker 2: twin brother, currently lives there. He wanted it so badly.
Speaker 2: The house has been such a blessing because of the
Speaker 2: way Jerell and I purchased it and renovated in.
Speaker 3: There's no mortgage there.
Speaker 2: It's literally that house means two people in his family
Speaker 2: get a home Alyssa because the house belongs to Alissa
Speaker 2: and I equally, but I'm giving her my half of
Speaker 2: the proceeds of the house.
Speaker 3: So that way when it's time for.
Speaker 2: Her to purchase a home after college, she gets the
Speaker 2: home that she wants wherever she wants to live. But
Speaker 2: then Torell, my husband, Jerell's twin, gets that house that
Speaker 2: he wanted so badly. He was born and raised in
Speaker 2: Newark and wants.
Speaker 3: To live there.
Speaker 2: And plus it's brother's house, and so it's like this
Speaker 2: one house gets to provide for two people that he
Speaker 2: loved the most in the world.
Speaker 3: So it's been such a blessing.
Speaker 2: He actually just texted me today was like, I got
Speaker 2: a closing date of December sixth, so fingers crossed that.
Speaker 2: It all like, you know, lose for it and I
Speaker 2: purchasing it from you. Yes, he's gotten purchased it directly
Speaker 2: from me. We're so no honestly that it was the
Speaker 2: knack of program. Yeah, he just was having a hard
Speaker 2: time with the Knacker program, so he just decided to go. Traditionally,
Speaker 2: he was ready, you know, he had his money saved,
Speaker 2: he has great credit. So and what I what I
Speaker 2: committed to him is that my realtor my friend is
Speaker 2: a realtor, so she's like, girl, I'm just gonna give
Speaker 2: you advice, but I'm not going to participate. So you
Speaker 2: don't have to pay any realtor's fees. You don't need
Speaker 2: all that five hundred dollars. Go go to this you know,
Speaker 2: this real estate attorney to get a contract and that's it.
Speaker 2: You know, Terrell will take care of his own closing
Speaker 2: costs and things like that, like you know, an inspection
Speaker 2: and things like that. But for you, it's five hundred
Speaker 2: dollars out of pocket, you know. And I was just like, okay.
Speaker 2: So but what she said was she did comps for me,
Speaker 2: and she said that home currently. I think when we
Speaker 2: first finished it was worth like two twenty we put
Speaker 2: I want to say one eighty into it, maybe one seventy.
Speaker 2: I think we bought it for ten thousand and put
Speaker 2: like one hundred and fifty into it.
Speaker 1: So like wanted to realize, y'all it's such a big Rhno.
Speaker 2: Yeah, well, it was a gut. It was cats were
Speaker 2: living in there, it was it was. It was a gut.
Speaker 2: After it was finished, you know, we put one fifty
Speaker 2: one sixty one seventy it was worth two twenty as
Speaker 2: soon as we were finished with it last year, and
Speaker 2: so now the house was worth My realtor friend was like,
Speaker 2: I did the comps. It's worth between two seventy five
Speaker 2: and three fifteen. So I told her, let's split the
Speaker 2: difference and make it two ninety five. Of course, if
Speaker 2: the inspection comes in lower, I'll you know, I'm not
Speaker 2: going to but I know it's not gonna come lower
Speaker 2: because they're building a train station there to the city
Speaker 2: New York City, and Lionsgate Film is building a new
Speaker 2: studio there, so it is not coming in lower. So
Speaker 2: what I told him is, well, split the difference, and
Speaker 2: that means you get twenty thousand dollars built in equity
Speaker 2: off the jump. And he was like, yeah, so it's
Speaker 2: like such a win win for everyone. And I'm not
Speaker 2: gonna lie though, I mean, financially I've lost out, but
Speaker 2: not really, you know what I meaning? Like, you know,
Speaker 2: I put the money into the house, and I don't
Speaker 2: really get I'm not getting any of my money back.
Speaker 2: I mean I could, I guess, because I don't have
Speaker 2: to give my half to Alyssa.
Speaker 3: But to me, it's such a small thing for such
Speaker 3: a big thing. You know what I mean. And so yeah, like.
Speaker 2: It's such a small thing as far as a financial
Speaker 2: quote unquote loss to me because someone was like, gir,
Speaker 2: are you crazy keep that house?
Speaker 3: In five years it's gonna be worth double.
Speaker 2: And I'm like, yeah, so maybe it's worth five hundred thousand,
Speaker 2: you know, instead of the two fifty or whatever. But
Speaker 2: the truth is I make plenty and this will allow
Speaker 2: Durell's family to start growing wealth on their own terms.
Speaker 2: And I know he would want that more than anything.
Speaker 2: And if I never work a day in my life,
Speaker 2: I'm okay, so more money, I'll talk more money for
Speaker 2: what's sake, you know. Like to me, the mantra that
Speaker 2: always rolls in my head is what is the money for?
Speaker 3: And it's for things like this, you know. So it
Speaker 3: just feels like it's like a year later.
Speaker 2: It just like like it's just such a reflective time
Speaker 2: of like how far we've all come and where we
Speaker 2: are now. And I feel like he would be really
Speaker 2: happy about like how we've.
Speaker 3: Come to this place, proud, you know.
Speaker 1: And how beautiful that y'all were able to finish it
Speaker 1: before he passed.
Speaker 2: Yes, well, it was it was like maybe like a
Speaker 2: month we finished maybe like a month after he passed. Well,
Speaker 2: he didn't get to see it fully finished, but mostly
Speaker 2: you know, and to Rap painted it for us, which
Speaker 2: was like such a blessing because he you know, he's
Speaker 2: a master painter, and so it just was like it's
Speaker 2: just just a full circle moment. And I was telling
Speaker 2: my friend Linda, was like, there are moments that it
Speaker 2: is the best case scenario within the worst case scenario,
Speaker 2: you know, And I feel like that's the place I've
Speaker 2: been living in between, which is like grief and gratefulness.
Speaker 2: And I used to think you couldn't do both, and
Speaker 2: it's like, no, I can acknowledge the grief component of it.
Speaker 2: Sometimes it's overwhelming and crippling, but then right beside it
Speaker 2: is this overwhelming sense of gratefulness because like, look at
Speaker 2: all that's been able to happen. I was just talking
Speaker 2: to Alyssa yesterday. She was like, hey, Tiff, I'm like,
Speaker 2: what do you want girl? She was like, when are
Speaker 2: we gonna get back to TikTok Aka? I need money here?
Speaker 2: And I was like yeah, because you know what, I say,
Speaker 2: you know what because a listen has been slacking all
Speaker 2: that TikTok and I said, you know what, I told Georgie,
Speaker 2: that's not an automatic payment. Uh, she got to put
Speaker 2: an invoice for those, And I said, I wasn't gonna
Speaker 2: say anything because I wanted her to learn the lesson
Speaker 2: of like that the well ones drive when you don't
Speaker 2: do the work.
Speaker 3: And so she hit me up real quick, was.
Speaker 2: Like, so I think we should batch record when you
Speaker 2: get back, I said, I bet. I said, okay, So
Speaker 2: I sold her reach out to Rose my admin, put
Speaker 2: yourself on my calendar, and we will tape. But I
Speaker 2: told her, I listen, I'm not going to chase you
Speaker 2: down that like you have to consistently deliver.
Speaker 1: And she was like, let her know that that's breaking.
Speaker 1: You're nothing new in October November rule girl.
Speaker 2: Yeah exactly, so she is, but like yeah, so, but
Speaker 2: it's just such a blessing that, like, you know, I
Speaker 2: just would have ever thought that it would be it
Speaker 2: could be like this still, which is like me and
Speaker 2: a Lists are closer than ever, Me and Terrell are
Speaker 2: closer than ever, you know, like you know, like everybody wins,
Speaker 2: Like if I get that place, then Carol and the
Speaker 2: kids get to stay here. Me and Draw talked about
Speaker 2: that that if we buy another place, Carol, the kids
Speaker 2: can come here, you know. So it's just the best
Speaker 2: case scenario within the worst case scenario. You know.
Speaker 1: Yeah, it makes me think about that book. Sheryl Sandberg
Speaker 1: wrote after her husband passed option B. You can't have
Speaker 1: option A, but you And I think the quote is
Speaker 1: like kick the shit out of option B. And I
Speaker 1: feel like you are kicking the shit out of your ear.
Speaker 1: And I mean in the best way possible.
Speaker 3: I'll be shying. Girls.
Speaker 1: They are incredible, you know you're incredible, But like I mean,
Speaker 1: and it's a journey and it's a process, and it's
Speaker 1: just I'm just so always so proud of you. I
Speaker 1: am as heartbroken because I feel the same way. It's
Speaker 1: such a bittersweet, but like as heartbroken as I am
Speaker 1: about Jarell, And of course, just I know that's where
Speaker 1: you'd rather be with him, rich Auntie Tiffany, Like I
Speaker 1: want the sitcom, I want the TikTok channel. I can't
Speaker 1: wait to see that. I'm so excited for you. You
Speaker 1: deserve whatever it is that you want that luxury. I'm
Speaker 1: so proud of you for allowing yourself to acknowledge that
Speaker 1: you want the nice things and get it. And hey,
Speaker 1: if that condo and Nework is what you want, cool,
Speaker 1: But I mean I'm all like, if you want that
Speaker 1: one point too, Millie, you know, condo somewhere else and
Speaker 1: that's what's going to make you happy. I'm just like,
Speaker 1: don't let go of that yet either.
Speaker 3: I'm open. I just told my I.
Speaker 1: So I'm excited for you.
Speaker 2: You know, I'm open, And I hope that you know,
Speaker 2: be a fan like listening that you realize that like
Speaker 2: when we talk about personal finance, this is the personal
Speaker 2: part about the finance. That it's not just numbers on
Speaker 2: a spreadsheet. You know that Like one of the reasons
Speaker 2: why Mandy and I we do this podcast is because
Speaker 2: we want you to have the options, to be able
Speaker 2: to choose even when some choices have been taken from you.
Speaker 2: It's like, how can I do the best, the best
Speaker 2: possible thing, you know, no matter what's happening in my life.
Speaker 2: And that's the power of like taking action when it
Speaker 2: comes to your personal finances, that you get to decide
Speaker 2: not every aspect of your life, but you get to
Speaker 2: have a say, you know, you get to have a
Speaker 2: big voice. And so like that's why I just share
Speaker 2: so openly here because I just know that there's someone
Speaker 2: who's listening who is feeling like that can't be me,
Speaker 2: that's not me, and it's like, but it can be,
Speaker 2: you know it can You know you might not be
Speaker 2: able to choose A but like Mandy said, you could
Speaker 2: kick the shit out an aption B But yes, nails.
Speaker 1: That's love. Oh thank you. They came out way more
Speaker 1: bridal than I wanted. But it was.
Speaker 3: Let me find out.
Speaker 1: You would support me, wouldn't you?
Speaker 2: I would, I'd be like, girl, whatever you want. I'm
Speaker 2: T Mandy, Sorry Amy U, I love you too. I'm
Speaker 2: T Mandy and.
Speaker 1: Rial thank you. We all need our allys. Right. Should
Speaker 1: we take a quick little break and come back with
Speaker 1: booster break? Yes see y'all in a minute, all right,
Speaker 1: va fam, And now it's time to boost O BREAKO
Speaker 1: boost O BREAKO boost A break so Tiffany can get
Speaker 1: up out of here and go to Dubai. Let's do
Speaker 1: this quickly. We got places to be. What are you
Speaker 1: gonna do? Tif booster break or you want me to
Speaker 1: go first?
Speaker 3: You decide you go first?
Speaker 1: Well, I would love to keep in theme with your
Speaker 1: the talk we just had about your home your your
Speaker 1: home purchasing journey and all of that, because husband and
Speaker 1: I have been on our own journey to fight our
Speaker 1: home appraisal, and like, I know how much we talk
Speaker 1: about how black households are undervalued and underappraise and all
Speaker 1: of that, But in a weird way, I am rooting
Speaker 1: for my own low appraisal because our home, because our eyes,
Speaker 1: our property taxes are craik ray, Like I want to say,
Speaker 1: they're like between twelve and fourteen thousand, I forget. But
Speaker 1: with the pandemic and with home values just shooting up
Speaker 1: our town drastically increased our appraised home value, which drastically
Speaker 1: increased our taxes to the point where we refinanced our
Speaker 1: mortgage in twenty twenty. Was the summer of twenty twenty
Speaker 1: when rates were really, really low. I think we got
Speaker 1: a new rate at like two point eight or something
Speaker 1: crazy like that, and we immediately saved three to four
Speaker 1: hundred dollars and then it was like cute for a
Speaker 1: few months, and then it was boom. We were back
Speaker 1: up paying what we were paying before. So I was like,
Speaker 1: what the heck was the point of that? So anyway,
Speaker 1: and just for anyone who's out there. If you pay
Speaker 1: attention to your you get like a what's it called
Speaker 1: an assessment from your I don't know your town or
Speaker 1: New York is kind of where you did. Okay, we're
Speaker 1: in a town and they reassessed our home and it
Speaker 1: was like one hundred thousand dollars more with something nuts
Speaker 1: and we were like this it was it's always in
Speaker 1: the spring, and then you have until like the summertime
Speaker 1: juneish at least where we live to appeal it. And
Speaker 1: we got our up. We got our appeal in late,
Speaker 1: and there's like, because we were just busy and I
Speaker 1: don't know, we just didn't have our crap together. But
Speaker 1: there's actually real estate attorneys or real estate agents who
Speaker 1: do this on the side, so they will help you
Speaker 1: appeal your assessment and go through that process. Because we
Speaker 1: put ours in late, which meant we put ours in
Speaker 1: in like August or September, there's like a small court,
Speaker 1: small court claim kind of situation. Now, so long story short,
Speaker 1: we're in this process. I will update you guys, but
Speaker 1: I think at this point we've paid five hundred dollars
Speaker 1: to get our home reassessed, and the appraisal that we
Speaker 1: got came in I want to say, like seventy five
Speaker 1: thousand dollars under what the town had appraised it at.
Speaker 1: So but they're fighting us on it. So yeah, so
Speaker 1: now it's in like a small claims court situation. So
Speaker 1: I'm taking a break for this whole situation. And it's
Speaker 1: stressful because, you know, five hundred bucks for the appraisal,
Speaker 1: and then the person who we've hired to represent us,
Speaker 1: he's going to be charged d obviously a percentage of
Speaker 1: our first year of savings. And don't quote me on
Speaker 1: this because Husby has been dealing with it, and it's
Speaker 1: to the point where I think I want to get
Speaker 1: in there because I was trying to delegate. But he
Speaker 1: was like, yeah, the guy said he's going to charge
Speaker 1: his seventy five percent of whatever we save in the
Speaker 1: first year on our taxes. And I was like, seventy
Speaker 1: five cents like a lot. I don't know if he
Speaker 1: has it all right, I got to figure it out. Yeah,
Speaker 1: So that's the situation. If you have any advice or
Speaker 1: you've been through this situation, like, let me know.
Speaker 2: Well, I'll say this that like pipers, So my one
Speaker 2: of my friends who lives not far from me, same
Speaker 2: they refinanced, was like, woh, we saved a few hundred
Speaker 2: you know, a few hundred dollars, and then their house
Speaker 2: got reassessed and they were like, psych, we're right back
Speaker 2: where we're plus some. So what they did with and
Speaker 2: I'll ask her specifically what they did, but they were
Speaker 2: able to go to the city. They got so it
Speaker 2: went from like nine or something like that to fourteen
Speaker 2: thousand annually, and so they were able to go to
Speaker 2: the city and they were able to get it down
Speaker 2: to eleven.
Speaker 3: So I will ask, like, what did you say? You
Speaker 3: know what I mean, like, what was the process?
Speaker 2: Obviously Newark is different, but I don't know what the
Speaker 2: process was, but I'll ask, like, what was that process like?
Speaker 2: But I have heard that over and over again that
Speaker 2: people have been able to kind of battle back their
Speaker 2: their taxes. So so I'll ask and hopefully, you know,
Speaker 2: it'll be helpful. But yeah, I definitely heard people had success.
Speaker 2: So my dad would always say, do they have two
Speaker 2: heads where there's success for one, there's success for others,
Speaker 2: So you know, we're speaking life over that.
Speaker 1: Yeah, I'd be curious if they did themselves or if
Speaker 1: they hired someone, and if they did hire someone, how
Speaker 1: did they pay? And how did that all work? Because
Speaker 1: I feel like we are going to be saving something,
Speaker 1: but I'm like, man, how much am I paying this person? Exactly?
Speaker 2: Yeah, Yes, Sometimes it's hard to be like to not
Speaker 2: try to be in the mix and let someone else
Speaker 2: do it. But if that's your strength, sometimes you got
Speaker 2: to jump in and be like, hey, tag me and
Speaker 2: take me in.
Speaker 1: I know, control freak, but I just I just don't
Speaker 1: like no, and my husband is so he doesn't he
Speaker 1: doesn't push, you know, I'm a pusher, Like I'm going
Speaker 1: to ask the same question eleven to different ways until
Speaker 1: I understand everything, which I think is a winning character trait.
Speaker 1: I think it makes me spectacular at everything. But my
Speaker 1: husband's like, why aren't you being so pushy? And like anyway,
Speaker 1: But you know, I'm just gonna slide into the email
Speaker 1: and remove him from the CC line. I never have
Speaker 1: to know, Yeah.
Speaker 2: Because honestly, it's thousands of dollars on the line, so
Speaker 2: I'm gonna see we're not talking.
Speaker 3: About, you know, the order of cookies from your favorite.
Speaker 1: Bakery here, thank you.
Speaker 3: I mean, you know, inview.
Speaker 2: Sometimes it's times when it's like I gotta get in
Speaker 2: the ring. You know, it's like you can't you gonta
Speaker 2: let somebody jump your best friend. You gotta jump in, right, see,
Speaker 2: justify me?
Speaker 1: All right?
Speaker 2: What about I'm going to do a boost that is
Speaker 2: aligned but not the same. So I don't know if
Speaker 2: I Well, y'all know that I helped to craft a
Speaker 2: law called the budget. He's the law A one four
Speaker 2: one four with assembly Woman Angeline McKnight. And then I
Speaker 2: had the opposite thing happened with my house that it
Speaker 2: was under praise, and as a result, Angela was like, well,
Speaker 2: we can work on a law to make that illegal,
Speaker 2: and not only to make it illegal, but to make
Speaker 2: the education of what to do if that happens legal,
Speaker 2: like mandatory.
Speaker 3: And so that's like what.
Speaker 2: So we were talking about it, and so she drafted
Speaker 2: the bill based upon our conversation. I was in Dallas
Speaker 2: speaking for Chase Banks, so I couldn't go, but she
Speaker 2: she was. She went to she said she had to
Speaker 2: what does she say, She's like, she was and she
Speaker 2: had to basically go and testify. You know, I guess
Speaker 2: at the you know, the the I don't even know Tretton,
Speaker 2: which is like the law House or whatever. So anyway,
Speaker 2: the bill passed. I know, it passed the Assembly committee yesterday.
Speaker 2: So it's like the first of three steps. It has
Speaker 2: to pass the Assembly committee. It's like, I'm just the
Speaker 2: bill just like like that Schoolhouse rock song. And then
Speaker 2: I believe the next it has to go to the
Speaker 2: to the House, New Jersey House, you know, and then
Speaker 2: has to go to the Senate, and if it passes there,
Speaker 2: then it has to be signed by the governor, and
Speaker 2: if he does sign it, it becomes a law. And
Speaker 2: if he doesn't sign it, he can actively kind of
Speaker 2: veto the law by saying no, or he can passively
Speaker 2: veto the law by just not signing it. But our
Speaker 2: current governor is Phil Murphy. He's a Democratic governor. She's
Speaker 2: a Democratic assembly woman. So we hope that they're on
Speaker 2: the line. So it's really exciting. And she was like, girl,
Speaker 2: get ready for your new law name. I'm like, ooh, so, actually,
Speaker 2: ba faun what's he called it? Like the budget, He's
Speaker 2: gonna praise the law like what we what we calling it?
Speaker 2: Something that's going to roll off. So here's the.
Speaker 1: Thing, stop racist appraisals.
Speaker 2: Right, technically it's going to be you know, like the
Speaker 2: like the law names are like A one four one four,
Speaker 2: Like if you were to google A one four one
Speaker 2: four that's but Angela alas because she is so nice
Speaker 2: and like she allows for me to like you know,
Speaker 2: call it whatever, like as far as like media and
Speaker 2: pressing things to bring attention to it.
Speaker 3: And so I was like yeah, and.
Speaker 2: So so it's not like, you know, if you go
Speaker 2: to the courthouse, they're gonna be like, oh, we're talking
Speaker 2: about the Budgetissa, They're gonna like, girl, what is no?
Speaker 3: What is the name? A one four one four?
Speaker 2: So but so I you know, yes, I would love
Speaker 2: some some some law names. I mean preferably with the
Speaker 2: worry of budgetestea in it, because I mean, if nothing,
Speaker 2: I'm a marketer.
Speaker 1: Yeah, of course the budget east appraise.
Speaker 2: Appraise a lot yet or something and so like tweet
Speaker 2: me at the Budgetista or at Branna Vision, hit me
Speaker 2: on Insta or hit a Bannavision on Insta for some
Speaker 2: law names.
Speaker 3: Yeah.
Speaker 2: But I'm excited because honestly, here's the thing. When because
Speaker 2: we're claiming it, this goes through. It's not just that
Speaker 2: it's going to make it illegal to appraise someone's home
Speaker 2: and to use their erase their sexuality, their gender or whatever,
Speaker 2: as as you know part of the reason why you praised.
Speaker 2: There's no way to really prove that because people will
Speaker 2: say whatever. But the part that I love, and that's
Speaker 2: why I said make this part mandatory, is that it
Speaker 2: will be that your realtor, once you are like either
Speaker 2: selling or like I forget what stage in the buying process,
Speaker 2: will have to give you an information sheet about the
Speaker 2: appraisal process and what to expect. And if you suspect
Speaker 2: that your appraisal has been done in a way that
Speaker 2: you know that is reflective of your race, your gender,
Speaker 2: your sexuality, whatever, here's a remedy and recourse. I thought
Speaker 2: that was so powerful because now appraisers will know I
Speaker 2: see you, I know what I'm supposed to expect, and
Speaker 2: if you don't do what you're supposed to do, here's
Speaker 2: who I call to report you. Because there's nothing took.
Speaker 2: It took like weeks of research to figure out what
Speaker 2: do I do when this happens, And honestly, there was
Speaker 2: still no clear like this is what you're supposed to do.
Speaker 2: And now it's like no, no, no, here's who you call.
Speaker 2: Here's how you report that appraiser. Some appraises were mad,
Speaker 2: and I'm like, why a hit dog on holla? So
Speaker 2: come from if you won't, because my block name is strong.
Speaker 2: Because if you're not appraising someone's property based upon those
Speaker 2: things what you worry for, you know what I mean?
Speaker 1: It makes your job more stressful and more over like,
Speaker 1: but that's the point of having watchdogs. That's important. Yeah,
Speaker 1: checks and balances.
Speaker 3: Exactly what you worried for.
Speaker 1: That's for a raise exactly.
Speaker 3: So so I'm just excited about that. That's a's a
Speaker 3: it's a big booth. That's huge.
Speaker 1: I'm excited too. It's also a good reminder that the
Speaker 1: midterms elections, y'all. Okay, these local official positions like Angela
Speaker 1: McKnight and the people in the House, like all these
Speaker 1: local level like this is who's in charge of our
Speaker 1: like the legislation that really impacts us at home. So
Speaker 1: if you are not ready for November, what is it now? Fourth?
Speaker 1: When is when's the election day? Is it November first?
Speaker 3: Yeah? I think it's a fourth.
Speaker 1: It's like, wait, is it like next week? Anyway, it's
Speaker 1: coming up. It's the first. It's like the Tuesday in November, right,
Speaker 1: m hmm, it's coming up. Very soon. Get your asses
Speaker 1: to the polls okay, and if you can't be in town,
Speaker 1: absentee ballot, I'm looking at you, Georgia, listen, don't love
Speaker 1: Stacy walk Away a loser again. Listen. I will come
Speaker 1: for you. Georgia, make it up. I'm so stressed, but yes,
Speaker 1: please vote. That's all all right, And that was the next.
Speaker 3: Time, bapam.
Speaker 2: Actually, we'll see you on Friday for BAQA. If you
Speaker 2: have your questions, you can hit us up. Obviously you
Speaker 2: can hit us up on all our socials, but if
Speaker 2: you want to be actually be on the show with us,
Speaker 2: you can leave an audio note via our Instagram account
Speaker 2: Brunda Vision Podcast, and we will pick and choose and
Speaker 2: maybe we'll have you.
Speaker 1: On Yes, And although Tiffany will be in the Arabian
Speaker 1: sunset as she should be celebrating her birthday and all
Speaker 1: the things, I will be here next week with a
Speaker 1: very very special Halloween episode. We're talking about all the
Speaker 1: scary financial topics that y'all don't want to talk about.
Speaker 1: We're making it fun and I have some very special guests.
Speaker 1: We're going to have Delian Borrows from Delian the Money Coach,
Speaker 1: and we're going to have Mark Russell, who's my new
Speaker 1: bestie for better wallet, so please please please join us,
Speaker 1: and most exciting, it's going to be live on YouTube,
Speaker 1: so keep your eyes looking, keep your eyes to our email.
Speaker 1: With our newsletter this week, we'll have a link to
Speaker 1: where you can tune in to watch us live on YouTube,
Speaker 1: so you know, we'll get that party started even though
Speaker 1: Tiff can't be here.
Speaker 3: I love it. Don't ghost be here? Get it ghosts.
Speaker 3: Howie should I dress up?
Speaker 1: I think I might actually dress up?
Speaker 3: Oh I should?
Speaker 1: I think I might. I think I might have a
Speaker 1: little fun that.
Speaker 3: Way, you guys get like that. You have to join
Speaker 3: YouTube and watch.
Speaker 1: Then you have to see what my costume is going
Speaker 1: to be, what the makeup situation is going to be?
Speaker 3: Like?
Speaker 1: All right, damn it. Now I've said it, so now
Speaker 1: I've committed. All right, fine, but Tiff, please enjoy your trip,
Speaker 1: get some get packed.
Speaker 3: Okay, thank you, Bye.
Speaker 1: Bye, hey ba fam. We could not do this show
Speaker 1: without your support or the support of our team behind
Speaker 1: the scenes. The Brown Emission podcast is produced by Cumulus
Speaker 1: Podcast Network. It's edited by the wonderful Emani Crosby and
Speaker 1: produced by Tanya Boost Dennistimplinsky is our in house tech curu,
Speaker 1: and I am Bandy Wodchard Santos, your co host, and
Speaker 1: I will see y'all next week