WEBVTT - Ep 331: The Best-Case Scenario Within The Worst-Case Scenario 0:00:08.920 --> 0:00:12.559 Is it your financial scaries lurking in the closet. Is 0:00:12.640 --> 0:00:15.720 it the fear about those bills you know in your 0:00:15.720 --> 0:00:19.280 mailbox right now that you haven't opened. Whatever is scaring 0:00:19.320 --> 0:00:22.279 you financially, We're going to talk about it this Halloween. 0:00:22.520 --> 0:00:24.800 For the first time ever, we are doing a live 0:00:25.200 --> 0:00:29.680 Brown Ambition YouTube extravaganza where we're going to be talking 0:00:29.720 --> 0:00:32.640 about the spooky and scary financial topics that are keeping 0:00:32.640 --> 0:00:35.159 you awake at night. So come face your fears with us. 0:00:35.360 --> 0:00:38.640 I will be here your girl Mandy Money, along with 0:00:38.720 --> 0:00:42.880 two incredible guests, Delian Barros from Ask the Money Coach 0:00:43.240 --> 0:00:45.960 and Mark Russell. If y'all have not met Mark, you 0:00:45.960 --> 0:00:48.680 are in for a treat Mark Russell from Betterwallet. They 0:00:48.680 --> 0:00:51.519 are both joining me live in the Brown Ambition studio 0:00:51.640 --> 0:00:54.480 for a special Halloween episode. So if you want to 0:00:54.480 --> 0:00:58.360 tune in, join us Monday, October thirty, first Halloween Day, 0:00:58.440 --> 0:01:03.680 at one pm Eastern that's twelve pm Central live on YouTube. 0:01:03.880 --> 0:01:07.000 To follow along, go to YouTube dot com search Brown Ambition. 0:01:07.480 --> 0:01:09.520 That's where we will be showing up live. I will 0:01:09.560 --> 0:01:12.320 see y'allo on Halloween. 0:01:13.760 --> 0:01:17.880 Hey, Hey, hey, we're back. 0:01:18.400 --> 0:01:27.600 We're black, We're Brown Ambition. Ambition. Hey, Angel, how are you? 0:01:29.160 --> 0:01:32.160 I'm doing just fine, even though I'm not gonna lie. 0:01:32.400 --> 0:01:34.800 I dropped off homeboy at daycare today and I came home. 0:01:34.800 --> 0:01:37.000 It's one of these rainy days, and I crawled into 0:01:37.080 --> 0:01:39.919 bed and I felt so kilty about it. I crawled 0:01:40.000 --> 0:01:42.240 back into bed for an hour, but I just I 0:01:42.240 --> 0:01:44.520 don't know what I needed. I just needed to sleep 0:01:44.959 --> 0:01:47.440 a little bit longer. So one of them days. But 0:01:47.560 --> 0:01:50.840 I have been, you know, working NonStop for a couple hours. 0:01:50.840 --> 0:01:53.120 Now I'm lucky to have a break and get to 0:01:53.160 --> 0:01:53.640 talk to you. 0:01:54.400 --> 0:01:56.840 Yeah. So I go to do Bay tomorrow. Woo woop. 0:01:57.560 --> 0:01:58.440 It's all y'all. 0:01:59.400 --> 0:02:01.360 Yeah, you know, you know how it is the day 0:02:01.360 --> 0:02:04.680 before your vacation. Everyone's like, so just five minutes of 0:02:04.680 --> 0:02:07.000 your team, So what are you? 0:02:07.680 --> 0:02:08.000 I know? 0:02:08.080 --> 0:02:10.359 So that's been crazy, but I'm excited about Dubai. I'm 0:02:10.360 --> 0:02:13.320 going with my sister Carol. She's the mom of Row 0:02:13.360 --> 0:02:15.000 Row and me me that you gonna talk about all 0:02:15.040 --> 0:02:16.600 the time that live down the street from me. So 0:02:16.639 --> 0:02:18.000 I'm sure they're going to have a heart attack when 0:02:18.000 --> 0:02:20.000 they're like, you're leaving again, because they were like, next 0:02:20.040 --> 0:02:21.480 time you go on a plane, mommy, I want to go. 0:02:21.760 --> 0:02:25.760 So I'm so proud of her day. Yes, right, because 0:02:25.760 --> 0:02:26.880 it was a big deal for her to go to 0:02:26.919 --> 0:02:29.600 that trip with Vegas. Yeah, your sisters, right. 0:02:29.800 --> 0:02:31.760 And then we also went she came with me to 0:02:31.800 --> 0:02:33.919 the team trip to New Orleans. So you know, the 0:02:34.000 --> 0:02:36.360 kids are sick of her. They were like, girl, listen 0:02:36.440 --> 0:02:37.320 too much outside. 0:02:37.520 --> 0:02:39.480 So she's a dead beet. Mom, Is that what's happening? 0:02:40.040 --> 0:02:41.840 No, first, let me just say you're gonna be mad. 0:02:41.880 --> 0:02:42.440 I tell the story. 0:02:42.480 --> 0:02:44.360 But we because the kids always want to see pictures 0:02:44.400 --> 0:02:46.520 when we come back from trips, so we were showing 0:02:46.560 --> 0:02:49.440 like them pictures of like us at when we want 0:02:49.480 --> 0:02:51.680 to go see Usher, and so now we had front row. 0:02:52.000 --> 0:02:53.720 So at one point Usher was like, you know, reaching 0:02:53.720 --> 0:02:55.880 to the audience, and so Carol reached up and held 0:02:55.919 --> 0:02:58.360 her handful of gas. He saying, and Roman was like, 0:02:59.240 --> 0:03:02.720 because you know that's son, he's school. He said, I 0:03:02.800 --> 0:03:05.080 know that is I said, what is that? He said, 0:03:05.160 --> 0:03:06.200 that's romance. 0:03:07.000 --> 0:03:13.960 That's when I say, out of the words of no, 0:03:14.200 --> 0:03:16.400 he said, So he get to the full Easter ray 0:03:16.480 --> 0:03:18.919 treatment though, did you see that video? No? 0:03:20.600 --> 0:03:25.000 Ray, I know, I was like, you a lady now, so. 0:03:25.240 --> 0:03:27.040 I mean I wasn't even that into usher, but I 0:03:27.080 --> 0:03:29.720 would have. I don't know what, I'm so awkward. I 0:03:29.760 --> 0:03:32.760 do not know what what I would have done if 0:03:32.760 --> 0:03:34.760 that had been me. But didn't We all wish it 0:03:34.800 --> 0:03:35.400 was us. 0:03:36.080 --> 0:03:39.360 But yeah, it was just funny but no. So so 0:03:39.720 --> 0:03:43.200 two things. One, one of my friends Denise from high school, 0:03:43.240 --> 0:03:44.840 who I'm not seen it forever, was like, oh, we're 0:03:44.880 --> 0:03:48.720 having like a mid year reunion. It's like twenty five years, 0:03:48.760 --> 0:03:50.520 you know, We're just going to meet up at like 0:03:50.520 --> 0:03:53.560 this like restaurant slash bar. And I was like, girl, 0:03:53.600 --> 0:03:55.360 I'm not going. I didn't go to the twentieth. I'm 0:03:55.400 --> 0:03:57.960 not going to the twenty fifth. And she's like, just come. 0:03:58.160 --> 0:03:59.880 But I ended up going, and I'm really glad that 0:03:59.920 --> 0:04:03.120 I did. As usual, I was the only chocolate chip, 0:04:03.800 --> 0:04:06.040 but that's what it feels for you. But honestly, it 0:04:06.080 --> 0:04:08.000 was great because I forgot. I'm like, oh, Diane from 0:04:08.080 --> 0:04:11.520 science class and from math and I say, it was 0:04:11.560 --> 0:04:13.400 really great, And it was crazy to hear them be 0:04:13.560 --> 0:04:15.360 like I'm so proud of you, Tiffany. 0:04:15.400 --> 0:04:18.960 I'm like, wait, you guys follow me because the course. 0:04:20.160 --> 0:04:21.960 Yeah, but I was, you know, because I don't you know, 0:04:22.040 --> 0:04:23.960 and they were just like trying to everybody was our 0:04:24.000 --> 0:04:27.440 chocolate chip, but they were so I mean, the truth is, 0:04:27.480 --> 0:04:30.440 actually had a decent high skill experience. I didn't, you know, certainly, 0:04:30.480 --> 0:04:33.520 you know, there's always stuff in high school, but in general, 0:04:33.600 --> 0:04:36.120 I enjoyed my high school experience. I wasn't cool, but 0:04:36.200 --> 0:04:38.839 I wasn't like some somebody who didn't have friends, you know. 0:04:38.920 --> 0:04:40.800 I was someplace in the middle, like the average kid. 0:04:41.120 --> 0:04:44.880 And and honestly, everyone there I remembered fondly, there wasn't anyone. Well, 0:04:44.960 --> 0:04:47.000 there was one girl, Nicole Dice. Be so scared because 0:04:47.040 --> 0:04:49.320 Nicole was a tough She was tough and I spoke 0:04:49.360 --> 0:04:50.520 I don't want to call to beat me up. 0:04:50.720 --> 0:04:52.680 But other than that, but she was so nice. When 0:04:52.680 --> 0:04:54.080 I saw her, I was like, Nichol, iiced be so 0:04:54.320 --> 0:04:55.000 scared of you. 0:04:55.400 --> 0:04:59.320 She was like really, and then everyone was like Nicole, Yes, 0:05:01.240 --> 0:05:03.799 but it was other like honestly, it was just a really. 0:05:03.640 --> 0:05:05.160 Good time and I'm just glad. 0:05:05.200 --> 0:05:07.560 I want went to thank you so much, Denise for 0:05:07.680 --> 0:05:10.600 dragging me out of the house. But I have exciting 0:05:10.680 --> 0:05:14.680 news that has a financial spin. So I have been 0:05:14.839 --> 0:05:18.640 open to purchasing another property for myself to live in. 0:05:18.800 --> 0:05:22.000 I just think it's time, you know. But I just 0:05:22.040 --> 0:05:25.080 said I was just gonna start looking, you know, like 0:05:25.200 --> 0:05:28.560 no real like cause obviously I have a home, it's 0:05:28.560 --> 0:05:31.520 paid off, there's no rush, you know. So I started 0:05:31.520 --> 0:05:33.320 to look, and at first I was like, maybe I 0:05:33.320 --> 0:05:37.159 want to live in, Like, there's some really pretty towns 0:05:37.160 --> 0:05:41.080 surrounding Newark, like South Orange, Maplewood there a little bougier 0:05:41.960 --> 0:05:45.440 and like Montclair super bougie. So I went and saw 0:05:45.440 --> 0:05:48.080 some places, but honestly, a lot of the homes that 0:05:48.120 --> 0:05:49.880 were in the range that I was initially thinking, like 0:05:49.920 --> 0:05:52.679 the seven or eight hundred thousand dollars range, were either 0:05:52.839 --> 0:05:54.919 similar to the house I have now but not as nice, 0:05:55.480 --> 0:05:57.320 or like nice as the house that I have now, 0:05:57.360 --> 0:05:59.720 but not as big. And so I was kind of like, well, 0:06:00.040 --> 0:06:02.560 why would I move to less, you know? And then 0:06:02.680 --> 0:06:05.080 it was like, well, if you're wanting a more upscale house, 0:06:05.120 --> 0:06:07.400 because that's what I'm feeling like now, this house is 0:06:07.480 --> 0:06:09.600 very family It's like a if you were to come 0:06:09.640 --> 0:06:11.880 and when you've come here, Mandy, it's very much like 0:06:12.279 --> 0:06:14.680 this is for a family and kids. And that was 0:06:14.720 --> 0:06:17.800 the that's why Jirelle and I you know, we designed 0:06:17.800 --> 0:06:20.120 it with that in mind, and now that that's not happening, 0:06:20.520 --> 0:06:22.800 I was like, I'm I want to move into the 0:06:22.920 --> 0:06:25.680 rich auntie face of my life, which is like I 0:06:25.760 --> 0:06:27.080 want your last tables. 0:06:29.600 --> 0:06:31.280 Right, exactly right. And so. 0:06:32.960 --> 0:06:34.880 Because as it is now, any kid could like your 0:06:35.080 --> 0:06:37.600 kids next for you have to bring Rio and I'll 0:06:37.600 --> 0:06:39.440 have Roman and a million be here because this is 0:06:39.480 --> 0:06:42.720 like the ultimate kid friendly but also like adults love 0:06:42.720 --> 0:06:45.160 it kind of house, you know, and so so. But 0:06:45.240 --> 0:06:47.000 for the price range in those towns that I was 0:06:47.040 --> 0:06:48.760 looking at, I was looking at at at least a 0:06:48.800 --> 0:06:50.919 million dollars up to a million and a half, but 0:06:50.960 --> 0:06:51.640 I was open to that. 0:06:51.680 --> 0:06:53.600 I was like, okay, I won't. I'll get a mortgage. 0:06:53.680 --> 0:06:55.400 I'll put like you know, a quarter down or half 0:06:55.400 --> 0:06:58.560 down or whatever, and I'll still do that. And because 0:06:58.600 --> 0:07:00.599 I didn't know that I wanted fancy until I saw 0:07:00.600 --> 0:07:02.680 one property and like maybe what to South Orange. It 0:07:02.720 --> 0:07:04.599 was like one point three million, and I walked in 0:07:04.640 --> 0:07:07.160 and I gasped, and I realized I want to gasp 0:07:07.200 --> 0:07:09.480 when I walk in. But it was too big. It 0:07:09.520 --> 0:07:12.080 was like six bedrooms, four and a half bath. I'm like, 0:07:12.440 --> 0:07:16.440 for who you know? But It made me realize that 0:07:16.440 --> 0:07:20.120 that was a level that I wanted. Then recently my 0:07:20.200 --> 0:07:24.080 friend Cabrel miss to know it all, was like, consider 0:07:24.280 --> 0:07:26.720 a condo that where you don't have to worry about shoveling, 0:07:27.000 --> 0:07:28.800 you don't have to worry about Tiffany. You're traveling a 0:07:28.800 --> 0:07:30.800 lot more now, so you don't you know, there's a 0:07:31.040 --> 0:07:32.840 you know, you might have a doorman. And I said, 0:07:32.880 --> 0:07:34.480 you know, I never thought about that. I'd owned a 0:07:34.480 --> 0:07:36.520 condo with my first property, but it was like a 0:07:36.560 --> 0:07:39.360 condo townhouse, so it didn't feel very condo. We you know, 0:07:39.440 --> 0:07:42.000 it was so but I started to look and then 0:07:42.440 --> 0:07:44.880 yesterday Mandy I saw a condo that I fell in 0:07:44.920 --> 0:07:47.040 love with. I was like, wait, I think I'm putting 0:07:47.040 --> 0:07:48.040 an offering today. 0:07:48.560 --> 0:07:49.360 I know what that is. 0:07:49.440 --> 0:07:54.000 That's a romance, yes, exactly, and it is so. 0:07:54.640 --> 0:07:56.360 One of a few things that I really love is 0:07:56.400 --> 0:07:59.200 my house was built in nineteen nineteen. I love a 0:07:59.320 --> 0:08:03.240 historic home, and many condos are new builds. But this 0:08:03.320 --> 0:08:07.240 condo actually was built in the nineteen like the early 0:08:07.320 --> 0:08:10.280 nineteen twenty, I think nineteen twenty, so it has very 0:08:10.320 --> 0:08:14.480 similar features to my home. My house is twenty two 0:08:14.600 --> 0:08:18.040 hundred square feet doesn't include the basement, so maybe it's bigger, 0:08:18.080 --> 0:08:21.040 but it's a good size house. The condo is twenty 0:08:21.040 --> 0:08:26.440 eight hundred, like luxury, and it's beautiful and you walk 0:08:26.440 --> 0:08:30.520 in and you're like, it's giving the Huxtables. It's giving 0:08:30.680 --> 0:08:33.120 like Charlotte's Apartment and Sex in the City. 0:08:33.679 --> 0:08:36.760 It is so beautiful and I'm not gonna lie. 0:08:36.800 --> 0:08:38.439 I was like floral arrangements. 0:08:39.200 --> 0:08:41.800 Yes it was. It's big, but not so. 0:08:41.840 --> 0:08:46.040 It's four bedrooms and it includes a separate like it's 0:08:46.040 --> 0:08:47.120 not it doesn't. 0:08:47.160 --> 0:08:47.480 They don't. 0:08:47.720 --> 0:08:49.959 They don't consider it the bedroom because it doesn't have 0:08:50.000 --> 0:08:52.640 a closet, but it's it's a separate room that the 0:08:52.679 --> 0:08:56.040 woman has used as like a mini gym, you know. 0:08:56.720 --> 0:09:00.640 So it's like five rooms, three full bath and bass 0:09:00.640 --> 0:09:02.800 and a half bath. The living room is actually bigger 0:09:02.840 --> 0:09:04.640 than my living room, my dining rooms. I mean yes, 0:09:04.720 --> 0:09:06.160 the living room in the dining room is bigger than 0:09:06.200 --> 0:09:08.440 my current dining room and living room. The woman who 0:09:08.480 --> 0:09:12.760 owned it, because the condo is the building is ninety 0:09:12.800 --> 0:09:16.640 five years old. It actually was built to compete with 0:09:16.720 --> 0:09:18.520 the Delaney in New York. I'm not familiar, but I 0:09:18.600 --> 0:09:21.240 was looking at research, which is some luxurious kind of 0:09:21.280 --> 0:09:22.839 that they built in the nineteen twenties for like the 0:09:23.559 --> 0:09:25.360 rich and the famous back then, so it was built 0:09:25.400 --> 0:09:27.560 during then. So like when you walk in, it's like 0:09:27.960 --> 0:09:30.680 marble and panel and this is like just the lobby. 0:09:30.720 --> 0:09:33.760 It has a doorman. He works every day six. 0:09:33.559 --> 0:09:37.160 To six, so six pm to six am. Now the 0:09:37.280 --> 0:09:39.319 thing is, it's like, you know, It's what I love 0:09:39.440 --> 0:09:42.000 is it's still in my current neighborhood, so I could 0:09:42.000 --> 0:09:43.360 still do my regular walks. 0:09:43.679 --> 0:09:44.800 My friends are still here. 0:09:45.160 --> 0:09:47.000 Carol and the kids quite honestly probably would live in 0:09:47.040 --> 0:09:48.440 the house where I live now because they live down 0:09:48.440 --> 0:09:49.559 the street. And I'm like, well, you guys can just 0:09:49.600 --> 0:09:52.480 live here because I'm not selling this house. I love 0:09:52.520 --> 0:09:54.559 this house. I'm just like looking for a change. 0:09:54.720 --> 0:09:56.480 Now. Those are like the pros. 0:09:56.800 --> 0:09:59.480 Another pro is that the person who owned it fully 0:09:59.480 --> 0:10:03.559 renovated it, so even though it's an older building, all 0:10:03.559 --> 0:10:06.240 the plumbing and the electrical is new. In that unit. 0:10:06.559 --> 0:10:08.840 It's almost like a double unit in comparison to others. 0:10:09.160 --> 0:10:11.600 And this was kind of on my secret wish list. 0:10:11.880 --> 0:10:15.440 It has a huge picture frame window that picture frames 0:10:15.520 --> 0:10:17.280 the city, the New York City skyline. 0:10:17.360 --> 0:10:20.120 I'm like, I'm not gonna lie. But that's the pros. 0:10:20.200 --> 0:10:23.960 The cons are okay because it is an older play one. 0:10:24.080 --> 0:10:26.560 The association fee is not cheap. So I don't know 0:10:26.559 --> 0:10:28.080 what's a lot in New York or whatever, but here 0:10:28.160 --> 0:10:31.640 it's it's twelve twelve fifty a month, so it's like 0:10:31.679 --> 0:10:34.440 you pay that, but also include that includes like, you know, 0:10:34.520 --> 0:10:37.480 all the maintenance not in inside your apartment but inside 0:10:37.520 --> 0:10:40.000 you know, outside every place else. And it also includes 0:10:40.240 --> 0:10:41.760 your heat and hot water, so I don't have to 0:10:41.760 --> 0:10:44.360 pay that, you know, the like, so when he comes out, 0:10:44.360 --> 0:10:45.360 I don't have to worry about that. So I just 0:10:45.360 --> 0:10:47.600 paid my electric bill basically, and it includes sewage and 0:10:47.600 --> 0:10:49.640 garbage remove all that stuff. So I just paid the 0:10:49.679 --> 0:10:51.880 electric bill as far as utilities and the internet if 0:10:51.880 --> 0:10:54.280 I want it. So it's twelve fifty, So that to 0:10:54.280 --> 0:10:55.640 me is not a deturn for me. And I'm like, 0:10:55.679 --> 0:10:58.880 that's fine. The taxes are really reasonable. I'm sharing these 0:10:58.920 --> 0:11:00.400 numbers because I don't know what's normal for y'all, and 0:11:00.400 --> 0:11:01.040 I think it's good. 0:11:00.880 --> 0:11:01.120 To hear you. 0:11:01.320 --> 0:11:01.480 Still. 0:11:01.520 --> 0:11:03.160 I was kind of asked, do you still play paid 0:11:03.400 --> 0:11:04.280 property taxes? 0:11:04.440 --> 0:11:04.720 Yes? 0:11:04.800 --> 0:11:07.360 You do though, so right now in my house, now 0:11:07.400 --> 0:11:09.160 my property taxes. Last time I check, I want to 0:11:09.160 --> 0:11:11.000 say it was like eighty four hundred for the year, 0:11:11.480 --> 0:11:13.400 which is the lowest in Essex County. 0:11:13.600 --> 0:11:14.960 So I don't know what they What are yours? 0:11:15.000 --> 0:11:16.040 How to get out of Westchester? 0:11:16.160 --> 0:11:16.400 Okay? 0:11:16.559 --> 0:11:18.960 Did you here's I'll give one thousand last time I checked. 0:11:19.040 --> 0:11:21.280 Yeah, And honestly, like, my parents pay fourteen. 0:11:22.320 --> 0:11:25.160 And I'll say this that in Montclair the average is 0:11:25.200 --> 0:11:27.280 like twenty thousands, some people paying thirty thousand. 0:11:27.760 --> 0:11:29.400 So I was like, are you gonna move to fancy 0:11:29.400 --> 0:11:32.560 Montclair or down the street in New York? So and 0:11:32.600 --> 0:11:36.439 so the condo is seven thousand, which I was like, okay, So. 0:11:36.440 --> 0:11:38.240 You're looking at two thousand a month. 0:11:38.520 --> 0:11:41.280 No, no, no a year for the for the property taxes. 0:11:41.360 --> 0:11:43.319 Oh the taxes okay, okay, yes. 0:11:43.240 --> 0:11:45.959 So seven thousand of your property taxes, twelve hundred for 0:11:46.040 --> 0:11:49.200 maintenance and so so I was like, okay, So basically 0:11:49.360 --> 0:11:51.520 you're looking at even because I planned I would plan 0:11:51.559 --> 0:11:53.280 on purchasing it cash. 0:11:53.800 --> 0:11:55.160 I so I first thing I did was I hit 0:11:55.240 --> 0:11:55.680 up Angelia. 0:11:55.720 --> 0:11:58.000 I said, what's best, because you know me the cash queen, 0:11:58.040 --> 0:12:00.640 that's not always best with interest. It's the way they're 0:12:00.679 --> 0:12:05.160 doing you know that's not always now, what's that girl? 0:12:05.520 --> 0:12:08.920 So though, so what Angelie did tell me? She said, well, 0:12:09.600 --> 0:12:14.000 certainly the ideal would be half down half let's put 0:12:14.040 --> 0:12:15.040 into the market. 0:12:15.240 --> 0:12:17.960 You know. So they're wanting five thirty nine. It was on. 0:12:18.040 --> 0:12:20.559 It was on the market for five seventy five initially, 0:12:20.640 --> 0:12:22.640 and like some months ago they took it off, put 0:12:22.679 --> 0:12:24.880 it back on, and now it's five thirty nine. Girl, 0:12:24.920 --> 0:12:27.080 I'm not offering that. Hopefully they don't listen, because I 0:12:27.080 --> 0:12:29.400 don't think so. But because I'm offering a cash deal 0:12:29.440 --> 0:12:33.320 of four to seventy five will probably end around four 0:12:33.360 --> 0:12:35.120 eighty five, four ninety five, that's probably where a little 0:12:35.160 --> 0:12:38.080 it'll land, you know. So so I'm going to offer 0:12:38.400 --> 0:12:41.520 that in cash, you know, because it will because if 0:12:41.559 --> 0:12:43.000 I mean, certainly I can get them more. Because I 0:12:43.040 --> 0:12:45.520 asked Angelie what is best? She said, Ideally I would 0:12:45.520 --> 0:12:48.000 love to see you put half down half. You know, 0:12:48.040 --> 0:12:50.720 we can put half in the market. But if you're 0:12:50.800 --> 0:12:53.319 wanting to get like the best deal as far as 0:12:53.320 --> 0:12:56.079 like the overall cost, you know, obviously cash is going 0:12:56.160 --> 0:12:58.160 to be king and you're more likely to get it 0:12:58.200 --> 0:13:00.320 at that price range. Now, if they're going to push 0:13:00.360 --> 0:13:02.440 you for more and you really really want it, then 0:13:02.440 --> 0:13:04.040 you can be like, well it's not cash, then we'll 0:13:04.040 --> 0:13:04.520 do half down. 0:13:04.520 --> 0:13:05.520 I'll put half in the market. 0:13:05.640 --> 0:13:08.400 And so yeah, because four seventy five is not, you know, bad, 0:13:08.720 --> 0:13:10.880 Like literally, I had a friend look at it. 0:13:11.000 --> 0:13:12.920 She was like, because she lives in Harlem. I believe 0:13:13.040 --> 0:13:13.920 she's like this in Harlem. 0:13:14.000 --> 0:13:15.760 You're looking at a minimum of two million dollars for 0:13:15.800 --> 0:13:16.760 this apartment in Harlem. 0:13:16.840 --> 0:13:19.280 I was just gonna say, that seems so reasonable, I 0:13:19.360 --> 0:13:21.800 know for it condo. 0:13:22.600 --> 0:13:25.120 So the reason I'm sharing this with y'all is because 0:13:26.240 --> 0:13:30.240 there are as you as you decide what life is 0:13:30.280 --> 0:13:32.880 going to look like and the things that you're wanting 0:13:32.920 --> 0:13:34.640 to support the left that you're wanting to get. 0:13:35.000 --> 0:13:37.840 It's like these are huge financial choices as well. 0:13:37.679 --> 0:13:41.280 Because certainly Newark is Newark, it is much better than 0:13:41.280 --> 0:13:44.520 it's been. But where the condo is, there are other 0:13:45.400 --> 0:13:48.560 like it's one it's two blocks up from my current house, 0:13:48.640 --> 0:13:51.000 meaning which is very residential, but it's not on a 0:13:51.040 --> 0:13:54.080 residential street. It's on a street that has other condos 0:13:54.080 --> 0:13:57.040 and things like that. So there's there's a noise component 0:13:57.080 --> 0:13:59.000 that I'm gonna have to to decide if I want 0:13:59.000 --> 0:14:01.920 to navigate with because it's city living, so you're gonna 0:14:01.920 --> 0:14:04.240 hear some city noise, you know. So it's like the 0:14:04.280 --> 0:14:06.679 building itself is really quiet. Everybody there is like quiet. 0:14:06.840 --> 0:14:08.680 And I asked a bunch of tenants and they loved it. 0:14:08.720 --> 0:14:11.040 Most people live there for like twenty years, you know, 0:14:11.440 --> 0:14:12.480 and so so. 0:14:12.480 --> 0:14:13.160 That's not the issue. 0:14:13.200 --> 0:14:15.240 But I'm gonna hear more outside noise than I would 0:14:15.440 --> 0:14:17.839 in my super residential neighborhood where I live now, even 0:14:17.880 --> 0:14:20.320 though it's only like a two block differential, you know. 0:14:20.400 --> 0:14:22.600 So I was like, okay, So I actually have a 0:14:22.640 --> 0:14:24.680 call with a friend later on today who lives there, 0:14:24.920 --> 0:14:27.560 to get like a really good indicator of like by noise, 0:14:27.560 --> 0:14:29.920 what do you mean like every day at King Sineta 0:14:30.000 --> 0:14:32.239 noise like routang outside. 0:14:32.000 --> 0:14:33.920 Your window, noise in the night for a night, just 0:14:33.960 --> 0:14:34.480 to test it. O. 0:14:35.480 --> 0:14:37.240 Well, the thing is you don't really hear the noise 0:14:37.280 --> 0:14:38.960 and extep for the summertime because you know, people be 0:14:38.960 --> 0:14:41.440 outside outside. Yeah you know, so like you're not hearing 0:14:41.480 --> 0:14:45.240 it now, so you know. So but I told myself, 0:14:45.520 --> 0:14:50.960 certainly I can move to a South Orange, a Maplewood, 0:14:50.960 --> 0:14:55.280 a Montclair and pay twenty fifteen minimum to upwards of 0:14:55.320 --> 0:14:59.320 thirty thousand dollars annually for taxes for super super super. 0:14:59.200 --> 0:15:01.520 Quiet, even if it's a condo. 0:15:02.000 --> 0:15:04.400 And I can also pay two to three times the 0:15:04.400 --> 0:15:08.520 amount for the property, you know, or I can say 0:15:08.600 --> 0:15:11.440 because basically I'm weighing the options of what matters to me, 0:15:12.120 --> 0:15:13.880 because an Julia and I just came up with like 0:15:13.960 --> 0:15:18.000 my big magic number of what do I if I 0:15:18.040 --> 0:15:19.960 wanted to make two hundred and fifty thousand dollars a 0:15:20.040 --> 0:15:22.240 year just waking up and going to sleep, what do 0:15:22.280 --> 0:15:22.760 I have to be? 0:15:22.920 --> 0:15:23.840 What do I have to put up? 0:15:23.880 --> 0:15:25.880 Like She's like, you don't have to work now necessarily 0:15:25.920 --> 0:15:28.080 if you didn't want to, and you can maintain your 0:15:28.080 --> 0:15:30.520 current life. But if let's just say you were like 0:15:30.560 --> 0:15:32.680 you don't want to do anything and you still want 0:15:32.680 --> 0:15:35.320 to yield to fifty, then you have some more money 0:15:35.360 --> 0:15:37.960 to put up, you know. And I said, okay, So 0:15:38.160 --> 0:15:40.600 but that was with the if I purchased a home 0:15:41.480 --> 0:15:42.280 for one point. 0:15:42.040 --> 0:15:43.000 Two million plus. 0:15:43.160 --> 0:15:46.280 But if I do this, then I can adjust what 0:15:46.320 --> 0:15:48.200 I have to do as far as work is concerned. 0:15:48.480 --> 0:15:50.840 And so there's like this ebb and flow, you know 0:15:50.840 --> 0:15:52.280 what I mean, Like, do. 0:15:52.240 --> 0:15:54.880 You know, do you go for the fancier and have 0:15:55.040 --> 0:15:57.360 like the accoutament but not be next to your tribe 0:15:57.360 --> 0:15:59.680 and your family. Do you stay here in New York 0:15:59.680 --> 0:16:02.640 where some Newark things for sure, but you get it 0:16:02.680 --> 0:16:04.280 at a price that's like, girl, you can pay for that, 0:16:04.480 --> 0:16:07.120 you know, out of pocket, and you get to be 0:16:07.160 --> 0:16:09.720 next to family and friends and it's beautiful and I 0:16:09.720 --> 0:16:11.960 wouldn't not that I wouldn't be able to afford this 0:16:12.000 --> 0:16:16.320 someplace else, but the financial burden is three times as much. 0:16:16.880 --> 0:16:19.160 And so that's kind of like what I'm weighing now. 0:16:19.680 --> 0:16:21.640 I mean, obviously I'm leaning heavily towards staying here in York, 0:16:22.200 --> 0:16:24.160 but I just wanted to share that because I was like, 0:16:24.720 --> 0:16:27.520 it's just like, you know, it's been Darrell passed away 0:16:27.560 --> 0:16:30.320 November fifteenth of last year, and I can't believe it's 0:16:30.320 --> 0:16:33.360 been almost a year. It's so crazy and it's been 0:16:33.400 --> 0:16:37.480 almost a year. And now it's like it's like finally 0:16:37.520 --> 0:16:39.920 I'm out of the fog kind of, and I'm just like, well, 0:16:39.920 --> 0:16:41.480 what what next? 0:16:41.480 --> 0:16:43.800 And how do I want life to go? You know? 0:16:43.840 --> 0:16:46.080 And that's that's why I've been like really asking myself, 0:16:46.080 --> 0:16:48.440 how do you want life to go, and you know, 0:16:48.640 --> 0:16:51.760 Durell was like he mowed the lawn, he shoveled, he 0:16:51.800 --> 0:16:54.920 did all those things, and without someone there to do that, 0:16:55.000 --> 0:16:57.640 It's like, well what does that look like for. 0:16:57.560 --> 0:16:58.200 You, Tiffany? 0:16:58.280 --> 0:17:01.240 You know, like you know, and and also safety, you know, 0:17:01.360 --> 0:17:03.440 like I come in the house, and also nothing's ever 0:17:03.480 --> 0:17:07.720 happened here, but there's a safety of being Like as 0:17:07.800 --> 0:17:09.800 the brand grows and I get to be more known, 0:17:09.840 --> 0:17:12.360 it's nice that the doorman is there and no one's 0:17:12.400 --> 0:17:14.639 going to follow me into my building, you know. And 0:17:14.680 --> 0:17:17.720 so I'm just making you know, these life choices are 0:17:17.720 --> 0:17:20.159 not just life choices. These are also like financial choices. 0:17:20.200 --> 0:17:21.720 And I just was talking about with you guys, so 0:17:21.760 --> 0:17:24.760 you can see, like this is the thought process that 0:17:24.840 --> 0:17:26.479