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Speaker 1: Hey, hey, hey, we're back. We're black like the Oscars

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Speaker 1: and brown.

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Speaker 2: Oscar's so brown?

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Speaker 1: I know?

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Speaker 2: Is that a hashtag? Yet?

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Speaker 1: No? No, I did see someone right like Oscars so black,

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Speaker 1: but I say brown, well yeah, brown because oh my gosh,

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Speaker 1: so many amazing awards. First of all, Regina King, okay,

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Speaker 1: come through Brenda two to seven? What you know about it?

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Speaker 2: She has owned the red carpet and the awards season

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Speaker 2: for like like the past two three seasons. Like she's

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Speaker 2: having a moment like capital.

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Speaker 1: M Yeah, I love her and a long time coming.

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Speaker 1: Do you know two two seven, Mandy? Because you didn't

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Speaker 1: say anything, I'm like, let me seef your A brown

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Speaker 1: card is gonna be revoked.

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Speaker 2: It's revoked. I don't know what that is, ah my heart.

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Speaker 1: Okay, isn't we.

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Speaker 2: Vokes because I'm young? Or evoked because I'm that's like

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Speaker 2: the white part of me who watched Save by the

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Speaker 2: Bell instead of whatever that show is.

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Speaker 1: Actually, I know, I want to say, so to be fair,

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Speaker 1: it is like it's it's not. I mean, it definitely

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Speaker 1: it's you know, Brian and black. But to be fair,

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Speaker 1: you were like, I don't even know you might have

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Speaker 1: been like two so to be fair, I'm gonna allow

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Speaker 1: you to keep your cards there. Yeah. So, but because

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Speaker 1: it was I definitely watched it as like a super

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Speaker 1: little kid. So when you get a chance, so do

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Speaker 1: your googles on two two seven, because that's when I

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Speaker 1: was introduced to to Regina King. She was Brenda, a

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Speaker 1: teenager on this on the show I believe two two

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Speaker 1: seven was a spin off of Amen. I know some

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Speaker 1: of you guys are gagging, those of you and your

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Speaker 1: people of a certain age, so yeah, they're're googles. It

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Speaker 1: was just a great little show.

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Speaker 2: Mollie Molly wants to be on the podcast. Oh well,

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Speaker 2: our third co host is Molly's.

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Speaker 1: Do tell who's got a dog? Yeah?

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Speaker 2: I got a dog. We just got a brand new

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Speaker 2: dog this past weekend. Sorry, I had to meet myself

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Speaker 2: for a second so I could calm her down. She's

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Speaker 2: a little kiddish. She's a rescue dog and she's been

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Speaker 2: through it. Okay, it was the fight of the century,

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Speaker 2: I have to say to get this dog. But I

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Speaker 2: wanted it. I've been asking for her for years and

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Speaker 2: I won.

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Speaker 1: Oh well, she looks so cy I saw it on

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Speaker 1: IG I was like, oh, look at Mollie. Do you

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Speaker 1: know what kind of mix she is?

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Speaker 2: Or yeah, she's It was such a funny story because

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Speaker 2: my friend she's a lab mixed with probably a Boston Terrier.

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Speaker 2: We think she's like a miniature Labrador. She's small, she's perfect,

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Speaker 2: I say it. She's like snuggling up and wanting food. Yeah. So,

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Speaker 2: I mean, I grew up with dogs, so I always

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Speaker 2: wanted a dog. My husband did not and didn't understand

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Speaker 2: why I was so obsessed with it. But I'm like,

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Speaker 2: you get a house, I get a dog.

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Speaker 1: You are super suburban.

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Speaker 2: Now, well, my friend Laura was fostering the dog in

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Speaker 2: Manhattan through this rescue in Brooklyn called Muddy Pause, and

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Speaker 2: she just posted a picture on Instagram and I just

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Speaker 2: looked at her and I said, I want that dog.

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Speaker 2: That's my dog. But then the universe said, no, no,

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Speaker 2: it's not, because there was like ten people in line

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Speaker 2: in front of me with appointments to meet this dog.

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Speaker 2: Because in Manhattan, of course, it's like any great real

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Speaker 2: estate dog. Real estate's also really hard to come by. Really, yes,

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Speaker 2: So you're like to find a dog who has a

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Speaker 2: good temperament, you know, good with kids, good with people,

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Speaker 2: really sweet you know, it's hard because you know a

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Speaker 2: lot of what's in shelters, are you know, the less

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Speaker 2: desirable dogs, you know, sad sad to say, but senior dogs,

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Speaker 2: dogs who have bad reputations, you know, whether they're earned

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Speaker 2: or not. So when I saw you know, the dog anyway,

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Speaker 2: I got my hopes up, and then they were dashed

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Speaker 2: because I had all these people in front of me.

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Speaker 2: And then they even told me to come out to

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Speaker 2: like Union Square where they have that they roll out

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Speaker 2: this truck with the dogs in it and you can

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Speaker 2: come and see the dogs and maybe take one. And

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Speaker 2: I went out in a limb and I showed up

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Speaker 2: at that event and I waited, like in the freezing

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Speaker 2: cold for an hour and a half for her. And

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Speaker 2: this little volunteer said, oh, I'm so sorry, she was

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Speaker 2: just adopted. And yeah, and I have my husband drive

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Speaker 2: all the way down to come meet her, and he has,

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Speaker 2: you know, finally, you know, agreed to get a dog.

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Speaker 2: And he came down and we had to turn right

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Speaker 2: back around and go home. But twenty minutes into the ride,

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Speaker 2: I got a call from my friend and she said,

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Speaker 2: the people who just adopted her changed their minds. Can

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Speaker 2: you come back and yes, I know, it's like it's

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Speaker 2: a really good rom com except for except for it's

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Speaker 2: a dog.

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Speaker 1: Yeah.

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Speaker 2: So I went back and then I it was a

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Speaker 2: lot of these adoption agencies, man, they really like they're

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Speaker 2: just I don't know, I guess it's all in good intent,

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Speaker 2: how you know, weirdly rigid they are. But I filled

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Speaker 2: out the application, got my little interview done, and she

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Speaker 2: was mine went home with her like that night.

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Speaker 1: Oh Molly, Yeah I didn't. I didn't grow I had

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Speaker 1: a cat, but I didn't grow up with dogs. You know.

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Speaker 1: Immigrant families typically are not big on pets, even my cat.

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Speaker 1: My dad's like, so she's gonna sleep in the garage, right,

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Speaker 1: I'm like in the winter in New Jersey. I'm like no,

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Speaker 1: He's like, yes, she is what my dad would go

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Speaker 1: in the house and I'm like, come on inside, Cinder,

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Speaker 1: you're sleeping with me, buddy. So yeah, like animals, I mean,

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Speaker 1: I always wanted a dog, but it's like, you can

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Speaker 1: barely clean your room. You're not walking this dog. So

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Speaker 1: you can get a cat or fish.

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Speaker 2: She'll get a dog. She's the best. She's so sweet

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Speaker 2: and she's so comforting and cute, and it just distracts

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Speaker 2: you from everything that's going It might have gone wrong

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Speaker 2: on your day, you just can't think about it because

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Speaker 2: you have to come home and walk the dog and

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Speaker 2: cuddle the dog and fill her toy with peanut butter.

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Speaker 2: And you know, is she what does her poop look like?

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Speaker 2: That's what I concerned myself with.

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Speaker 1: A yeah, well, moll, we hope to meet you one day.

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Speaker 2: Well, well, you know, she'll be an Instagram celebrity soon.

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Speaker 2: Check her out on the gram. Back to the Oscars, though,

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Speaker 2: because there were some moments that happened, so Spike Lee

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Speaker 2: finally wedding, Spike Lee winning, jumping into Samuel L. Jackson's arms,

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Speaker 2: which was like really adorable and beautiful, but then apparently

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Speaker 2: he like threatened to he almost walked out of the

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Speaker 2: theater when Green Book won Best Picture. I don't think

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Speaker 2: it was televised, butther than I read about it, So

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Speaker 2: I haven't seen the movie almost because I'm just already

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Speaker 2: annoyed at all the controversy, Like every movie is like,

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Speaker 2: you know, whatever it handles race isn't handling it the

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Speaker 2: right way according to everybody.

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Speaker 1: Well, I guess the problem with Green Book is that

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Speaker 1: so so for those who don't know that literally, like

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Speaker 1: aside from the movie, the Green Book was literally this

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Speaker 1: book that worked that was for black motorists that were

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Speaker 1: traveling around the United States of safe places that you

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Speaker 1: could go and eat and sleep and go because it

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Speaker 1: was really dangerous to travel. I mean it's dangerous now,

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Speaker 1: but even more so in like the fifties and sixties,

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Speaker 1: and so they created this book to say it's safe

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Speaker 1: to eat here, it's safe to park here, it's safe

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Speaker 1: to sleep here. So that's what the Green Book was.

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Speaker 1: And from what I understand from the clips that I've

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Speaker 1: seen about The Green Book the movie, it is very

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Speaker 1: much the white Savior syndrome. Remember remember the Last Samurai.

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Speaker 1: Did you ever see that with Tom Cruise Cruise? Yeah,

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Speaker 1: sot great movie. I was like, Oh, this is great

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Speaker 1: until you realize, like, oh, so Tom Cruise, the white

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Speaker 1: guy is the last Samurai that saves all these poor

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Speaker 1: Japanese people who cannot possibly defend themselves. I get it.

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Speaker 1: And so Green Book feels very much like that that.

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Speaker 1: Instead of making it about this historic book that really

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Speaker 1: helped motorists of color to be able to experience travel

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Speaker 1: in the United States, it was more so about Vigo

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Speaker 1: Morgansen I think his name is being the white Savior.

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Speaker 1: Tomherschela Ali and it's like here we go, you know that, go ahead.

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Speaker 2: It's just funny you bring that up, because like in

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Speaker 2: the acceptance speech, all it was all white guys speaking,

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Speaker 2: and they even like made Vigo the white savior of

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Speaker 2: the movie. Like without Vigo, this movie wouldn't have gotten made, like,

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Speaker 2: and I hadn't seen it, so I just don't know

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Speaker 2: how to feel. But the optics of like the white director,

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Speaker 2: the white whoever they were, you know, being the ones

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Speaker 2: accepting the award and speaking on it did make me

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Speaker 2: feel a certain kind of way because.

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Speaker 1: You're writing about a historic black experience without anyone on

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Speaker 1: stage being from that culture to be able to say, well, actually, you.

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Speaker 2: Know what I mean. Octavia Maherschel has seemed to stand

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Speaker 2: by it, though.

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Speaker 1: Yeah, I mean, I mean, I'm not, like I said

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Speaker 1: to be all, I have not watched the movie, so

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Speaker 1: I can't even say it's terrible. This is just from

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Speaker 1: like the feedback that I've seen from people who have

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Speaker 1: watched it, especially there's a lot of feedback for people

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Speaker 1: who are in the travel industry, where you know, like

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Speaker 1: this is what they do, this is what they study,

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Speaker 1: and their disappointment with the way Green Book was portrayed

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Speaker 1: and written.

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Speaker 2: I see, well, at least this year you can at

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Speaker 2: least at least this year. It wasn't like Green Book

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Speaker 2: was the only film with the cast with people of color,

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Speaker 2: like there was so there was so much to comfort

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Speaker 2: ourselves with, like Black Panther, Ruth E. Carter, the Cost

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Speaker 2: of Fire winning, Oh my god, I know I'm blinking

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Speaker 2: on everything else that happened. Mahrscha Ali, Okay, he did

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Speaker 2: win for for a green Book. I know, black Pantsina King, yep,

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Speaker 2: of course, Regina King, Black Panther. But even like the presenters,

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Speaker 2: it felt like the Oscars freshened, even just who was

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Speaker 2: Like they had Queen Latifa what if she introduced now

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Speaker 2: I forget that part. I think she introduced the favorite,

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Speaker 2: But Queen Latifa was there as a presenter. She had

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Speaker 2: Jennifer Lopez as a presenter, Constance Wu who was big

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Speaker 2: with like crazy Rita.

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Speaker 1: I love that movie. And then Who's Who's a young man?

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Speaker 1: I always forget his name? The one who who played

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Speaker 1: Freddie Mercury and Bohemian Rhapsody.

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Speaker 2: Oh, mister big eyes Robby Aleck, he's creepy look and

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Speaker 2: come on, yeh.

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Speaker 1: But honestly, but like I was, I was on a

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Speaker 1: flight it's back in California, and I Watchedhomian Rhapsody. It

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Speaker 1: was really I mean, I get it. A lot of

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Speaker 1: people were like, they really glossed over the the queer

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Speaker 1: part of of Freddie Mercury and made it very, very PG.

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Speaker 1: I mean, all that set aside, like you know, I

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Speaker 1: guess it's the same thing. How I could see how

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Speaker 1: the queer audience would feel about that, the way you know,

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Speaker 1: black audiences would feel about Green Book. But to me,

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Speaker 1: his portrayal of Freddy mrcury was so amazing. Like they

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Speaker 1: actually have these videos where they have side by side,

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Speaker 1: like you know of Live Aid, where you see Ronnie

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Speaker 1: performing and you see Freddie Mercury and you're like, wow,

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Speaker 1: it's uncanny how he mimicked his his movements and the

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Speaker 1: way he just showed up on saying he was Honestly,

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Speaker 1: he was really good. Even if people have an issue

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Speaker 1: with the movie.

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Speaker 2: I liked. I mean, the movie was fine. I fell

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Speaker 2: asleep pathway through, like I did with all the mopiics.

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Speaker 2: But that's just because the fun stuffs at the beginning

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Speaker 2: and at the end. But no, I mean I thought

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Speaker 2: he was really good, but I just wouldn't want to

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Speaker 2: run into him. And then the alley that's dark with

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Speaker 2: those big guys.

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Speaker 1: You know, it's so crazy. Freddie Mercury was like my

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Speaker 1: introduction into LGBT because I remember I was like in

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Speaker 1: high school. Maybe I was in middle school when you know.

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Speaker 1: I think when he Freddie Murcury died and it was

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Speaker 1: of age and I knew, you know, I knew where

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Speaker 1: age was. And then then making this big I think

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Speaker 1: it was like an MTV news then making the big

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Speaker 1: thing that he was gay. But I didn't. I didn't.

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Speaker 1: I mean, I knew gay what gay man that it's like,

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Speaker 1: oh a man and man and a woman and a woman,

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Speaker 1: but I didn't really understand. I remember watching his video

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Speaker 1: because they were playing you know, Bohemian Rhapssey is one

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Speaker 1: of their most famous songs, and I remember staring at

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Speaker 1: the TV looking at Freddie Mercury to see if I

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Speaker 1: could see the game because I didn't get like, I'm like,

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Speaker 1: what is a big deal? You know, as a kid,

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Speaker 1: I remember thinking like, okay, so how does gay look

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Speaker 1: because he's just like a guy. You know. I just

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Speaker 1: remember being so fascinated with like, why is this thing

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Speaker 1: called gay? So that's a big deal and this guy

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Speaker 1: just looks like a regular guy. Why why can't I

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Speaker 1: see what everyone else sees?

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Speaker 2: And I just children the world?

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Speaker 1: But yeah, so that was I mean, after so brown Black,

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Speaker 1: we loved it. You know, we'll take it. We'll take it.

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Speaker 1: But yeah, it was a you know, it was a

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Speaker 1: I didn't watch the whole show, but definitely some of it.

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Speaker 1: And I love the fact that shallow shallows one in

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Speaker 1: a shallow Yes, I love that song.

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Speaker 2: With movies, I watched the movie three times. I don't care.

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Speaker 2: It's like my new favorite rom com, even though it's

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Speaker 2: not a comedy, I know, but I love that you

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Speaker 2: haven't WoT it's good next plane ride and you gotta

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Speaker 2: watch it next.

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Speaker 1: That's why I watched my favorite movie, like, you know,

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Speaker 1: like get all I get caught up on my movie.

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Speaker 1: I'm like, ooh plan my movie. Oh so something special

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Speaker 1: happened yesterday for me.

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Speaker 2: I have to you know what, I'll do it as

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Speaker 2: a wink, okay, as your brown boost Oh yeah, my

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Speaker 2: brown boots.

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Speaker 1: Yes, I forgot we'll.

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Speaker 2: Do it killed the winds is happening in life.

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Speaker 1: Then honestly, the house is finally like the house.

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Speaker 2: We haven't heard about the house in a minute.

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Speaker 1: I know. I've just been like, whatever, girl, if you know,

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Speaker 1: everything that could go wrong goes wrong. I ordered some

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Speaker 1: top from home Depot. First Bank of America canceled the

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Speaker 1: order because they were like, this looks like fun. I'm like,

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Speaker 1: but I called you, I remember the day, yes, and

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Speaker 1: then I ordered it. Finally thought I was gonna come

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Speaker 1: on Friday. Home Depot mixed up my billing and my

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Speaker 1: mailing address. I'm like, I don't live there, so I

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Speaker 1: had to read order it today so to be in

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Speaker 1: another week. And it's just like little thing. Honestly, it's

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Speaker 1: not the biggest thing in the world. I mean, at

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Speaker 1: the end of the day, I'm going to have a

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Speaker 1: beautiful home. But it's just those things that because you

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Speaker 1: if you don't put the town in the kitchen, you

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Speaker 1: can't put the cabinets. If you can't put the cabinets,

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Speaker 1: you can't put the countertop. So you know what I mean.

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Speaker 1: It's just like one thing holds up another thing. But

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Speaker 1: we're at least talking about paint standing floors, meaning that

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Speaker 1: we're on like the the last layer. So I think really,

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Speaker 1: by the end of March will be inside the house.

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Speaker 1: Woo woo woop. I cannot wait because it's been a

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Speaker 1: long time coming.

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Speaker 2: It's so funny how like I know the agony that

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Speaker 2: you're feeling just waiting but online and like, what's she

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Speaker 2: talking about? It's been like that hasn't been that Long's

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Speaker 2: like when you're the one whose house it is. Yeah,

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Speaker 2: it seems like years. I mean those were the long

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Speaker 2: I look back now and like it's only a few months.

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Speaker 2: It's the longest freaking months of my life.

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Speaker 1: Yeah, and everything seems like such a Like my contractor

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Speaker 1: was like, Tiffany, you know you have to order the

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Speaker 1: Washington dryer because we built like a special closet for it,

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Speaker 1: and like, oh me and super Mario were like almost

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Speaker 1: coming to blows. I mean really obviously, you know, but

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Speaker 1: you know because you're like, well, I don't. Because he's like,

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Speaker 1: I think we should get the gray one. I'm like, babe,

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Speaker 1: the gray one is three hundred dollars more and he's

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Speaker 1: like yeah, but oh so okay, so you don't want style.

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Speaker 1: I'm like, are you kidding me. I was like, oh, like,

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Speaker 1: what's happening to us? I was like, babe, We're not

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Speaker 1: getting the gray washer and dryer just because it looks

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Speaker 1: more stylist. It's going to be in the closet that

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Speaker 1: no one's going to see except for during the walkthrough,

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Speaker 1: during our one and only when we have our you know,

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Speaker 1: our householding party. Other than that, it's just us that's

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Speaker 1: going to see this white washer and dryer. Can you imagine,

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Speaker 1: like this is the talk that we have now about

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Speaker 1: like so I gave him so.

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Speaker 2: We can't imagine? In fact, yes, very very deeply. Now

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Speaker 2: we have the gray washer and dryer. That was a

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Speaker 2: fight that I lost. So good luck to you because

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Speaker 2: I know the white ones white appliances are cheaper. But yes,

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Speaker 2: and yet yeah, it's be nice to look on the

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Speaker 2: other side and hear you talk about that stuff.

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Speaker 1: Well, he has one veto car, so we had a rule.

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Speaker 1: He was like, as long as you let me do

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Speaker 1: whatever I want in the man cave in the basement,

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Speaker 1: you could do the rest of the house. But he

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Speaker 1: does get one like veto, like one major Veto card.

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Speaker 1: So I was like, you know, we were talking about

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Speaker 1: like what bed we wanted, and I was like, well,

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Speaker 1: I don't want that. I was like, is this your

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Speaker 1: Vito card? He's like, no, I have a feeling that

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Speaker 1: he's going to use his Veto card to break my heart.

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Speaker 1: It's going to be something that I really want.

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Speaker 2: Oh man, don't mess around with tile and backsplash. That's

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Speaker 2: very you need to win on those.

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Speaker 1: No, that one thing for so oddly enough we are

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Speaker 1: on the same page with tile. I cannot believe like

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Speaker 1: we brought all the tile for the house and we

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Speaker 1: have not. It's not been any pushback. It's like, oh

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Speaker 1: I love that me too. So you know, he's really

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Speaker 1: modern his aesthetic and I'm more traditional. But there are

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Speaker 1: places that we kind of meet in the middle. So

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Speaker 1: it hasn't been too too bad. But some stuff I'm

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Speaker 1: just like getting and not saying anything. It'll just show up.

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Speaker 2: Are you saying on budget though, let's get let's talk

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Speaker 2: about that.

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Speaker 1: Yeah, no, you know, you're just like, you know what,

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Speaker 1: at this point, as long as we stay I'm not

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Speaker 1: as a stickler as I was where I mean, we're

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Speaker 1: not as bad, you know, I will say that as

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Speaker 1: far as the actual renovation itself, that is staying fairly

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Speaker 1: on budget. I mean, like, we're definitely gonna use our

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Speaker 1: what is that thing called like when you have like

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Speaker 1: the over edge or whatever, yeah's contingency. We're definitely gonna

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Speaker 1: use our contingency because there were just some things and

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Speaker 1: it's not because of like style things. It's like, oh,

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Speaker 1: you know, like we didn't know that pipe burst that

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Speaker 1: kind of thing, so we'll be under we'll be in

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Speaker 1: budget with the contingency. But now it's more so like

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Speaker 1: the stuff that we want that I'm like, oh, I

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Speaker 1: don't know, We're gonna stay on budget with the stuff

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Speaker 1: that we want, so, yeah, we'll see.

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Speaker 2: The furnishings is where we got because everything's so pretty. Yeah,

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Speaker 2: and once you see the way that your curtainslick when

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Speaker 2: you buy curtain rings, I cannot tell you. I'm like

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Speaker 2: curtain rings for every window. If those things are like

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Speaker 2: twenty five bucks a box, but they make everything look

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Speaker 2: so much better and the good quality stuff. I mean,

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Speaker 2: I just the justification in my head was it's not

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Speaker 2: about putting money into the house to get return on

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Speaker 2: investment anymore, because that's not something that makes sense or

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Speaker 2: is logical. You can't bank on making money back on

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Speaker 2: your house. For me, it was about investing in personal

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Speaker 2: happiness so that when I came home it was a

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Speaker 2: good place, a nice place to be. So that is

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Speaker 2: and then that that was how I wound up going

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Speaker 2: over budget for the furnishings were not too too over budget,

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Speaker 2: And looking back now, I don't know you should do

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Speaker 2: the same thing. But looking back now, if there is

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Speaker 2: one thing I think I regret spending money on, I

383
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Speaker 2: would say, what can I even say? Can I say

384
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Speaker 2: the hvac? Really? My husband would be like, you're an idiot,

385
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Speaker 2: because that was a really good investment, But I haven't.

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Speaker 2: It hasn't been long enough to reap the rewards of

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Speaker 2: that yet. Right now. It's just like we swapped out

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Speaker 2: the oil for pro pain and I get a five

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Speaker 2: hundred dollars pro pain bill once a month now, and

390
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Speaker 2: I'm like, what in the holy hell? So maybe a

391
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Speaker 2: better way to do this is like regret. I do

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Speaker 2: regret how expensive the propane bill has been. But what

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Speaker 2: maybe what I regret regret is that we did not

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Speaker 2: spend the money to have our living room properly insulated. Okay, yeah,

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Speaker 2: because what's happening is that we're having to crank the

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Speaker 2: heat to keep the living room warm when our bedroom

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Speaker 2: is roasting because it was properly insulated. Because everything that

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Speaker 2: like knew that we got done, the contractor did insulate properly.

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Speaker 2: But the existing living room we didn't think and he

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Speaker 2: didn't think to bring it up and no one else did.

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Speaker 2: And so it's going to cost us like a couple

402
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Speaker 2: thousand dollars to get blow in insulation.

403
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Speaker 1: Yeah we did.

404
00:18:36,880 --> 00:18:41,440
Speaker 2: Yeah, so that's smart because my husband we did buy

405
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Speaker 2: like extra insulation from home depot and then my husband

406
00:18:44,080 --> 00:18:46,520
Speaker 2: installed it under the like in the crawl space in

407
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Speaker 2: the kitchen, but he couldn't do what he couldn't do,

408
00:18:49,880 --> 00:18:52,479
Speaker 2: So where he put insulation, it's already made a difference.

409
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Speaker 2: But unfortunately our living room is still like an ice box.

410
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Speaker 2: And that's a very roundabout way of saying. Insulation is

411
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Speaker 2: where the real money, say starts, So spend the money

412
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Speaker 2: on insulation if you can.

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Speaker 1: And so that's one of the things that it took us.

414
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Speaker 1: So because the house was built in nineteen twenty, they

415
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Speaker 1: were like, what's installation?

416
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Speaker 2: So hold, yeah, like what did they do? My god,

417
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Speaker 2: freezing my ass off over here?

418
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Speaker 1: And so thank for you for reminding about the crows

419
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Speaker 1: because we do have a cross space. Oh, I'm gonna

420
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Speaker 1: say cross space. I'm actually like texting my contractor right

421
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Speaker 1: now because I'm like, ah, I forgot, Like.

422
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Speaker 2: When he based the attic, he did, Yeah, that's how

423
00:19:29,000 --> 00:19:31,240
Speaker 2: I found those sexy books that are former house owners

424
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Speaker 2: left in the left under the house. Oh my god,

425
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Speaker 2: yeah he was. He went under. It's like it's the

426
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Speaker 2: cross space under the kitchen and he just stuck the yep.

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Speaker 1: Yeah. And so that's one of the things that like

428
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Speaker 1: our contractor Justin told us. He was like, you know,

429
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Speaker 1: like the house because there's some things that he's doing,

430
00:19:47,119 --> 00:19:48,640
Speaker 1: like you know, we're doing the bathroom, so of course

431
00:19:48,680 --> 00:19:51,040
Speaker 1: he's putting installation, like you said, in those places. But

432
00:19:51,119 --> 00:19:53,879
Speaker 1: he was like, I really suggest because you could feel

433
00:19:53,880 --> 00:19:55,720
Speaker 1: that the house was drafty because you know, it's an

434
00:19:55,760 --> 00:19:57,960
Speaker 1: older house and there's a lot of the original features.

435
00:19:58,000 --> 00:19:59,639
Speaker 1: So we paid it was four thousand dollars.

436
00:20:00,520 --> 00:20:03,560
Speaker 2: Well that's what I'm paying in eight months of the

437
00:20:03,680 --> 00:20:04,640
Speaker 2: dam program bill.

438
00:20:04,840 --> 00:20:06,720
Speaker 1: So and honestly that's why I said, I was like,

439
00:20:06,720 --> 00:20:08,720
Speaker 1: you know what, Tiffany, You'll make this back in the year.

440
00:20:08,880 --> 00:20:11,720
Speaker 1: Like because when we first got in the house and

441
00:20:11,760 --> 00:20:14,080
Speaker 1: the heat was on, like we were like, you know,

442
00:20:14,280 --> 00:20:15,879
Speaker 1: because you know, of course we do walk through whatever

443
00:20:16,000 --> 00:20:18,600
Speaker 1: and it would be chilly. And now when I go in, Mandy,

444
00:20:18,720 --> 00:20:20,240
Speaker 1: it's like and we don't even have all of the

445
00:20:20,720 --> 00:20:22,919
Speaker 1: all of the radiators like plugged up. It's only two

446
00:20:22,960 --> 00:20:24,399
Speaker 1: of them in the house right now that are that

447
00:20:24,480 --> 00:20:27,159
Speaker 1: are on, and the house feels warm, and I'm like,

448
00:20:27,160 --> 00:20:29,480
Speaker 1: you know what, that's if there's anything, it's the best

449
00:20:29,520 --> 00:20:32,480
Speaker 1: four thousand dollars I've ever spent. Now, I am because

450
00:20:32,480 --> 00:20:34,680
Speaker 1: my husband did not want the HVAC system. I'm just

451
00:20:34,760 --> 00:20:37,320
Speaker 1: pray because it was not it was not cheap. I'm

452
00:20:37,359 --> 00:20:40,640
Speaker 1: just praying that it worked, like it's worth it because

453
00:20:40,720 --> 00:20:44,160
Speaker 1: it was really expensive, and I'm like, yikes, I hope

454
00:20:44,160 --> 00:20:45,640
Speaker 1: that we didn't spend all this money and we don't

455
00:20:45,640 --> 00:20:47,359
Speaker 1: really need h back like that, so we'll see.

456
00:20:47,840 --> 00:20:50,560
Speaker 2: Well, it'll be worth it if your insulation's right, because

457
00:20:50,560 --> 00:20:52,040
Speaker 2: then you won't have to use it. But then I'm like,

458
00:20:52,080 --> 00:20:56,720
Speaker 2: then why did we get it? Like yeah, anyway, live

459
00:20:56,760 --> 00:20:59,080
Speaker 2: and learn. We're gonna get that blow in insulation, which

460
00:20:59,119 --> 00:21:00,840
Speaker 2: is what you can do if you you don't want

461
00:21:00,840 --> 00:21:02,840
Speaker 2: to take all your walls down. You can just they

462
00:21:02,920 --> 00:21:04,600
Speaker 2: poke little holes in the outside of the house and

463
00:21:05,160 --> 00:21:05,560
Speaker 2: blow it in.

464
00:21:05,640 --> 00:21:08,040
Speaker 1: Yeah, you put it like on the exterior walls, and

465
00:21:08,080 --> 00:21:09,560
Speaker 1: so it's like it's weird to see like all the

466
00:21:09,560 --> 00:21:11,560
Speaker 1: holes like popo po po po. But yeah, it's it

467
00:21:11,680 --> 00:21:13,879
Speaker 1: makes a huge difference, just to make sure that whoever

468
00:21:13,920 --> 00:21:15,520
Speaker 1: does it for you that you really like pack it in,

469
00:21:15,720 --> 00:21:17,000
Speaker 1: pack it in, you.

470
00:21:16,920 --> 00:21:19,399
Speaker 2: Know, because this has been a really cold It hasn't

471
00:21:19,400 --> 00:21:21,399
Speaker 2: been a snowy winter, but it's been pretty cold the

472
00:21:21,440 --> 00:21:26,200
Speaker 2: past couple of months. Yeah. Man, those bills are no joke.

473
00:21:26,440 --> 00:21:29,040
Speaker 2: And that's why, you know. And at this point, I'm

474
00:21:29,080 --> 00:21:31,199
Speaker 2: just like fatigued from spending money on the house that

475
00:21:31,240 --> 00:21:33,040
Speaker 2: I'm just like, can we go on vacation. I don't

476
00:21:33,080 --> 00:21:34,840
Speaker 2: care about an installation right now, just can we go

477
00:21:34,880 --> 00:21:37,439
Speaker 2: on a vacation. I'm tired of spending money and you know,

478
00:21:38,040 --> 00:21:41,400
Speaker 2: I don't know, just on house stuff. So it's a constant,

479
00:21:41,760 --> 00:21:45,040
Speaker 2: constant battle, but overall happy and you'll be You'll be

480
00:21:45,080 --> 00:21:45,520
Speaker 2: there soon.

481
00:21:46,200 --> 00:22:24,280
Speaker 1: Yeah, I can't wait. And now it's time to take

482
00:22:24,400 --> 00:22:29,680
Speaker 1: questions from all our family b r o wn and this.

483
00:22:30,640 --> 00:22:33,800
Speaker 1: Oh okay, every once a while, you I get the

484
00:22:33,880 --> 00:22:37,680
Speaker 1: little town you know, Okay Whitney, you know Whitney from Newark,

485
00:22:37,760 --> 00:22:39,680
Speaker 1: so you know there's a little something there happening. There's

486
00:22:39,680 --> 00:22:43,600
Speaker 1: a little synergy. So it is time for question owns,

487
00:22:44,320 --> 00:22:47,879
Speaker 1: Question Owned. We have some really great questions. Super excited

488
00:22:48,640 --> 00:22:52,320
Speaker 1: before we start questions next week is it's our tax

489
00:22:52,440 --> 00:22:57,800
Speaker 1: episode and it's going to be awesome, Like just because

490
00:22:58,000 --> 00:23:00,160
Speaker 1: we have this awesome guest. Her name is Terry's can

491
00:23:00,240 --> 00:23:04,360
Speaker 1: tell she is amazing. She's an expert inside my literature academy.

492
00:23:04,400 --> 00:23:09,840
Speaker 1: But honestly I met her because her tax videos were

493
00:23:09,880 --> 00:23:13,160
Speaker 1: going viral, not just in my DreamCatcher group on Facebook,

494
00:23:13,160 --> 00:23:16,800
Speaker 1: but just on online. Because she is smart, she is savvy,

495
00:23:16,880 --> 00:23:19,159
Speaker 1: and she is brilliant when it comes to taxes. So

496
00:23:19,200 --> 00:23:21,320
Speaker 1: we're excited to have her on. So if you have

497
00:23:21,400 --> 00:23:23,880
Speaker 1: cool questions about your taxes, and you know you do

498
00:23:24,480 --> 00:23:26,400
Speaker 1: because you hit me with them and I'm like, Who'll

499
00:23:26,440 --> 00:23:29,359
Speaker 1: see who's the CBA not I. I'm the budget lista,

500
00:23:29,600 --> 00:23:32,000
Speaker 1: not the tax anista. So you can send them in

501
00:23:32,119 --> 00:23:34,639
Speaker 1: so Terry can answer them at.

502
00:23:34,280 --> 00:23:36,680
Speaker 2: Brand Ambition Podcast at gmail dot com.

503
00:23:36,480 --> 00:23:39,560
Speaker 1: Dot com, or you can go to brannibisionpodcast dot com

504
00:23:39,560 --> 00:23:42,040
Speaker 1: and click ask us anything is it? Ask us anything.

505
00:23:42,280 --> 00:23:44,200
Speaker 2: It is ask us anything? Yep, I mean know what?

506
00:23:44,320 --> 00:23:44,639
Speaker 3: Thanks?

507
00:23:44,680 --> 00:23:46,520
Speaker 1: Okay, so let this get these questions pop? And what

508
00:23:46,600 --> 00:23:47,919
Speaker 1: we have in the question box?

509
00:23:48,200 --> 00:23:50,080
Speaker 2: Cool? So we gotta ooh, we got a quest We

510
00:23:50,119 --> 00:23:54,440
Speaker 2: gotta have a little question from a fellow Uga grad. So, hello, Deja.

511
00:23:55,000 --> 00:23:57,040
Speaker 2: I love that name. Danger reminds me of the actress

512
00:23:57,040 --> 00:23:57,959
Speaker 2: from This is Us.

513
00:23:58,240 --> 00:23:59,280
Speaker 1: Oh I like that name too.

514
00:24:00,000 --> 00:24:04,199
Speaker 2: Okay, Desa, So fellow Georgia Bulldog says, my name is

515
00:24:04,240 --> 00:24:06,639
Speaker 2: Desa and I'm emailing to ask for help finding a

516
00:24:06,680 --> 00:24:09,240
Speaker 2: new bank. I'm recently engaged in my fiance and I

517
00:24:09,320 --> 00:24:11,399
Speaker 2: are looking for a bank to start our joint checking

518
00:24:11,440 --> 00:24:14,840
Speaker 2: and savings accounts. Brave women, we'd like to bank. We'd

519
00:24:14,840 --> 00:24:17,840
Speaker 2: like a bank with no fees, has modern technology like

520
00:24:17,920 --> 00:24:22,280
Speaker 2: online banking, online deposits, and many ATM locations, and could

521
00:24:22,359 --> 00:24:25,560
Speaker 2: become a borrowing resource when we look to purchase a home.

522
00:24:25,880 --> 00:24:29,640
Speaker 2: I love the podcast and go dogs yay Desa ew

523
00:24:30,520 --> 00:24:34,840
Speaker 2: so must be a new listener, because I.

524
00:24:34,800 --> 00:24:37,520
Speaker 1: Was gonna say, first of all, Desa got her list.

525
00:24:37,560 --> 00:24:38,600
Speaker 1: You know, like when you're like this is the kind

526
00:24:38,600 --> 00:24:40,320
Speaker 1: of man on one to date, You're like, girl, good luck.

527
00:24:45,560 --> 00:24:49,080
Speaker 2: These banks exist luckily. Well, here's the thing. So online

528
00:24:49,200 --> 00:24:52,280
Speaker 2: if you want like modern technology and no fees, online

529
00:24:52,320 --> 00:24:54,639
Speaker 2: banks are the way to go. When you get an

530
00:24:54,680 --> 00:24:57,919
Speaker 2: online bank, you're banking with the institution that doesn't need

531
00:24:57,960 --> 00:25:00,080
Speaker 2: to spend a lot of money on people and like

532
00:25:00,320 --> 00:25:05,399
Speaker 2: locations like light bills and electricity for brick and mortar locations,

533
00:25:05,440 --> 00:25:09,000
Speaker 2: so they're able to actually pass all that savings onto customers,

534
00:25:09,040 --> 00:25:12,680
Speaker 2: and they typically have, typically not always have higher rates

535
00:25:12,760 --> 00:25:15,120
Speaker 2: on their savings accounts, which is great if you're looking

536
00:25:15,119 --> 00:25:17,240
Speaker 2: to save with your fiance for your wedding or for

537
00:25:17,320 --> 00:25:20,159
Speaker 2: your future house. They also offer higher rates a lot

538
00:25:20,200 --> 00:25:22,480
Speaker 2: time a lot of times on CDs, and because they're

539
00:25:22,520 --> 00:25:24,560
Speaker 2: online only, they kind of have to have an awesome

540
00:25:24,600 --> 00:25:28,280
Speaker 2: website and an awesome app, otherwise people wouldn't bank with them.

541
00:25:28,840 --> 00:25:32,320
Speaker 2: What they don't always have is a lot of ATM locations,

542
00:25:33,400 --> 00:25:36,560
Speaker 2: but some banks make up for in a couple of ways.

543
00:25:36,640 --> 00:25:41,119
Speaker 2: Either they tap into all Point like these all Point

544
00:25:41,160 --> 00:25:43,840
Speaker 2: is one of the ATM networks that's like thirty thousand ATMs.

545
00:25:43,840 --> 00:25:45,720
Speaker 2: They're like the ones you see at drug stores and

546
00:25:45,760 --> 00:25:51,320
Speaker 2: sometimes bodegas or convenience stores, and they'll tap into that

547
00:25:51,359 --> 00:25:53,080
Speaker 2: network and say as long as you use one of

548
00:25:53,119 --> 00:25:57,520
Speaker 2: these all point ATMs, then there's no fee. And otherwise

549
00:25:57,720 --> 00:26:00,360
Speaker 2: they may offer to reimburse you. If you do use

550
00:26:00,400 --> 00:26:02,960
Speaker 2: an ATM and you get charged that like two dollars

551
00:26:02,960 --> 00:26:06,040
Speaker 2: three dollars fee, they may offer to reimburse you, you know,

552
00:26:06,119 --> 00:26:09,480
Speaker 2: fifteen dollars a month or ten dollars a month to

553
00:26:09,840 --> 00:26:13,119
Speaker 2: take that staying out of it. So I'd recommend an

554
00:26:13,160 --> 00:26:15,600
Speaker 2: online bank. And there's actually, you know, I used to

555
00:26:15,600 --> 00:26:17,280
Speaker 2: have a favorite. I mean I still do. I bank

556
00:26:17,280 --> 00:26:20,359
Speaker 2: with Ally Personally me too, both we're both fans of

557
00:26:20,359 --> 00:26:23,000
Speaker 2: Ally and I got my mortgage through them, So they're awesome,

558
00:26:23,040 --> 00:26:25,000
Speaker 2: and they're not a sponsored you know, not just as

559
00:26:25,080 --> 00:26:28,439
Speaker 2: free advertising for Ally. However, they have some competition. There

560
00:26:28,480 --> 00:26:31,000
Speaker 2: are a lot of new online banks out there, so

561
00:26:31,119 --> 00:26:34,320
Speaker 2: I'll drop a link to our We update our monthly

562
00:26:34,520 --> 00:26:38,400
Speaker 2: roundup of best online bank accounts, best online savings accounts

563
00:26:38,440 --> 00:26:42,080
Speaker 2: every month, so it's always popping with like new accounts.

564
00:26:42,119 --> 00:26:44,640
Speaker 2: And there's a new account now called Varo Bank, which

565
00:26:44,680 --> 00:26:47,680
Speaker 2: is brand new and they're offering really competitive rates. They're simple,

566
00:26:48,160 --> 00:26:51,240
Speaker 2: that's been around for a while. They're a new bank.

567
00:26:51,440 --> 00:26:55,800
Speaker 2: Marcus we have Marcus by goldmuth Sachs. They offer personal

568
00:26:55,880 --> 00:26:58,880
Speaker 2: loans and also I will leave a deposit account product,

569
00:26:59,200 --> 00:27:03,440
Speaker 2: so FI even has a checking account. Now there's there's

570
00:27:03,560 --> 00:27:04,560
Speaker 2: tons out there, so.

571
00:27:05,119 --> 00:27:06,920
Speaker 1: Even Acorns, I think it's getting in the game. And

572
00:27:06,960 --> 00:27:10,440
Speaker 1: you know, Acorns was typically like an investment like kind

573
00:27:10,440 --> 00:27:12,600
Speaker 1: of like online product, but I heard that they're getting

574
00:27:12,640 --> 00:27:13,840
Speaker 1: like a regular bank account too.

575
00:27:14,400 --> 00:27:18,520
Speaker 2: Yeah, tons of options, so there's no excuse to to

576
00:27:18,600 --> 00:27:21,160
Speaker 2: not have a good a good bank with great rates

577
00:27:21,160 --> 00:27:23,159
Speaker 2: and low fees. So good luck de Asia.

578
00:27:23,320 --> 00:27:25,360
Speaker 1: Yes, and I honestly I like a bank mix. I'm

579
00:27:25,359 --> 00:27:27,439
Speaker 1: not gonna lie. I like the big bank for like

580
00:27:27,520 --> 00:27:29,359
Speaker 1: you know, because I do travel a lot, so meaning

581
00:27:29,400 --> 00:27:32,000
Speaker 1: like you know, the traditional big old banks those who

582
00:27:32,040 --> 00:27:34,399
Speaker 1: will not name because they're mostly terrible, but still I

583
00:27:34,440 --> 00:27:36,399
Speaker 1: mean I need to be able to have access, and

584
00:27:36,440 --> 00:27:38,639
Speaker 1: I also like to have my online bank ally who

585
00:27:38,720 --> 00:27:41,800
Speaker 1: I love, hey with your purple self. And then I

586
00:27:41,840 --> 00:27:45,560
Speaker 1: do have a relationship with a credit union where I

587
00:27:45,640 --> 00:27:47,400
Speaker 1: might just have a little bit of like savings there

588
00:27:47,440 --> 00:27:51,520
Speaker 1: so that way I can potentially look into competitive borring rates.

589
00:27:51,560 --> 00:27:54,679
Speaker 1: So I like a three bank mix, credit union, traditional

590
00:27:54,680 --> 00:27:57,119
Speaker 1: big bank where I have my checking and then I

591
00:27:57,240 --> 00:27:59,840
Speaker 1: keep my savings at my online only bank. So don't

592
00:27:59,880 --> 00:28:01,240
Speaker 1: be afraid to have a little bit of a mix

593
00:28:01,280 --> 00:28:02,960
Speaker 1: of if you know, if you're open to that as well.

594
00:28:03,720 --> 00:28:05,440
Speaker 2: Yeah, that's a good point. I haven't used your credit

595
00:28:05,520 --> 00:28:08,240
Speaker 2: union in a while. Ever since Georgetelcode credit Union screwed

596
00:28:08,240 --> 00:28:11,280
Speaker 2: me over and hold my fifty dollars hostage. I want

597
00:28:11,280 --> 00:28:14,639
Speaker 2: it back, to get it back when I remember my

598
00:28:14,880 --> 00:28:19,000
Speaker 2: damn code for the phone. Okay, it's been eleven years,

599
00:28:19,440 --> 00:28:20,520
Speaker 2: but I have hope.

600
00:28:21,240 --> 00:28:23,440
Speaker 1: I bet you that fifty dollars is now fifty five. Girl,

601
00:28:23,480 --> 00:28:24,080
Speaker 1: get your money.

602
00:28:26,160 --> 00:28:29,280
Speaker 2: Okay, thank you Dasah for your question. Here's another question

603
00:28:29,359 --> 00:28:32,160
Speaker 2: from listener who wants to go by the name Gertrude.

604
00:28:32,880 --> 00:28:36,000
Speaker 2: Very bold of you, Gertrude. We'll go with that. So

605
00:28:36,160 --> 00:28:38,920
Speaker 2: Gertrude says, I got to meet Tiffany once at a

606
00:28:39,000 --> 00:28:42,360
Speaker 2: mass women's conference. Not sure if she remembers, but I

607
00:28:42,400 --> 00:28:44,240
Speaker 2: took some photos of her while she was presenting and

608
00:28:44,240 --> 00:28:48,240
Speaker 2: sent them to her. Hatis, Hey, I do remember, Gertrude.

609
00:28:48,320 --> 00:28:49,400
Speaker 2: You remember Gertrude?

610
00:28:49,440 --> 00:28:52,000
Speaker 1: Well, I don't. Well, I remember, like you know, the conference,

611
00:28:52,040 --> 00:28:53,680
Speaker 1: and I remember that there was someone who like I

612
00:28:53,680 --> 00:28:56,520
Speaker 1: always picked, like my one buddy in the audience. I'm like, ooh,

613
00:28:56,520 --> 00:28:57,920
Speaker 1: can you take pictures of me on stage and send

614
00:28:57,920 --> 00:29:00,000
Speaker 1: it to me so I remember that. Yeah, pay Gertrude.

615
00:29:00,160 --> 00:29:04,840
Speaker 2: Very clever outsourcing photography. So here's Gertrude's question. Let's get

616
00:29:04,840 --> 00:29:07,880
Speaker 2: to get to the business here. Gertrude says, my boyfriend

617
00:29:07,920 --> 00:29:09,680
Speaker 2: and I are paying off a large amount of debt

618
00:29:09,720 --> 00:29:12,240
Speaker 2: in the next two years. The episode where you had

619
00:29:12,240 --> 00:29:14,320
Speaker 2: the couple on that paid a ton of debt really

620
00:29:14,320 --> 00:29:16,440
Speaker 2: inspired us to get our butts into gear this year.

621
00:29:16,600 --> 00:29:18,280
Speaker 2: Oh that's a good one. Faith in Leo. I think

622
00:29:18,280 --> 00:29:20,200
Speaker 2: we aired that last June. Go check it out. It's

623
00:29:20,200 --> 00:29:23,200
Speaker 2: a great show. She says. We are planning on getting

624
00:29:23,200 --> 00:29:25,440
Speaker 2: married and we want to get our finances together before

625
00:29:25,480 --> 00:29:29,080
Speaker 2: we do. Here's what we need help deciding. His credit

626
00:29:29,120 --> 00:29:31,720
Speaker 2: history is not that long. He opened a credit card

627
00:29:31,800 --> 00:29:34,600
Speaker 2: three years ago and his credit history in total is

628
00:29:34,760 --> 00:29:38,320
Speaker 2: six years old. My boyfriend only has two credit cards

629
00:29:38,360 --> 00:29:41,680
Speaker 2: in total, and his current utilization rate is eighty eight percent.

630
00:29:42,320 --> 00:29:45,400
Speaker 2: We know, yikes, we are paying on all that credit card.

631
00:29:45,560 --> 00:29:47,239
Speaker 2: We are paying on that credit card with all that

632
00:29:47,320 --> 00:29:50,080
Speaker 2: debt as we speak, though, the problem is that his

633
00:29:50,160 --> 00:29:53,240
Speaker 2: first credit card, which he doesn't use charges him eight

634
00:29:53,280 --> 00:29:55,920
Speaker 2: dollars a month, and it's a crappy card, not like

635
00:29:56,360 --> 00:29:58,720
Speaker 2: a card where you get rewards. I know it doesn't

636
00:29:58,720 --> 00:30:00,600
Speaker 2: seem like a lot, but that's ninety six dollars a

637
00:30:00,680 --> 00:30:03,480
Speaker 2: year for a credit card. Do you think he should

638
00:30:03,480 --> 00:30:06,000
Speaker 2: close that card or will it hurt his credit credit

639
00:30:06,040 --> 00:30:08,360
Speaker 2: score too much? I know you said not to worry

640
00:30:08,360 --> 00:30:10,840
Speaker 2: too much about credit scores unless you're buying a home soon,

641
00:30:11,280 --> 00:30:14,240
Speaker 2: but we found ourselves in situations recently, like leasing a

642
00:30:14,280 --> 00:30:17,120
Speaker 2: car where a credit score does matter.

643
00:30:19,440 --> 00:30:23,040
Speaker 1: Gertrude Girl. First of all, yay, getting getting boo together.

644
00:30:23,160 --> 00:30:25,160
Speaker 1: That's what I did. You know, me and manager both

645
00:30:25,160 --> 00:30:27,480
Speaker 1: did that with our booths ahead of time. You know

646
00:30:27,640 --> 00:30:33,200
Speaker 1: some such you know, build that husband. But so for Superman,

647
00:30:34,120 --> 00:30:37,720
Speaker 1: he too didn't have a long credit history. He too

648
00:30:37,880 --> 00:30:40,360
Speaker 1: had a utilization that was like I think his was

649
00:30:40,360 --> 00:30:44,800
Speaker 1: like ninety percent. And so sometimes you have to decide

650
00:30:44,800 --> 00:30:46,400
Speaker 1: when are you going to take the l You want

651
00:30:46,440 --> 00:30:47,600
Speaker 1: to take it now, you want to take it later.

652
00:30:48,400 --> 00:30:50,920
Speaker 1: It's typically better to take it now, meaning pay off

653
00:30:50,920 --> 00:30:54,360
Speaker 1: that card and get rid of it, because you know,

654
00:30:54,480 --> 00:30:57,560
Speaker 1: you the thing is your credit score. You have to

655
00:30:57,560 --> 00:30:59,760
Speaker 1: think about it as your GPA. It is an average

656
00:30:59,800 --> 00:31:04,080
Speaker 1: of your financial financial choices as it relates to credit.

657
00:31:04,400 --> 00:31:09,000
Speaker 1: But really they really take into consideration really the last

658
00:31:09,040 --> 00:31:12,200
Speaker 1: two years, you know. So if you're thinking you're gonna

659
00:31:12,200 --> 00:31:13,680
Speaker 1: get married in like two years, that means you have

660
00:31:13,680 --> 00:31:16,680
Speaker 1: two years to rebuild whatever that dropping credit might be

661
00:31:16,760 --> 00:31:20,520
Speaker 1: by losing that card, and then that's ninety six dollars

662
00:31:20,560 --> 00:31:22,760
Speaker 1: times two years that you can pocket. So I would

663
00:31:22,800 --> 00:31:25,000
Speaker 1: get rid of that card. It's not worth it to

664
00:31:25,120 --> 00:31:27,800
Speaker 1: keep it because you're worried about length of credit history.

665
00:31:29,040 --> 00:31:31,120
Speaker 1: It's just not because you know ten years from now

666
00:31:31,280 --> 00:31:33,160
Speaker 1: you don't want to. You know, that's like a thousand

667
00:31:33,240 --> 00:31:35,680
Speaker 1: dollars for what you know versus like take the dip

668
00:31:36,120 --> 00:31:38,920
Speaker 1: and you know, do right by his credit and he

669
00:31:39,000 --> 00:31:41,240
Speaker 1: will he will bring those points back pretty quickly.

670
00:31:41,720 --> 00:31:45,000
Speaker 2: Yeah, I mean it sounds eighty eight percent utilization is

671
00:31:45,000 --> 00:31:49,920
Speaker 2: what I'm like bugging my eyes out about here. No,

672
00:31:49,960 --> 00:31:52,760
Speaker 2: I mean eighty eight percent. I mean that is that'll

673
00:31:52,760 --> 00:31:55,560
Speaker 2: really drag a score down. And if you're looking at like,

674
00:31:55,560 --> 00:31:57,160
Speaker 2: like you said, leasing a car, when you're doing things

675
00:31:57,200 --> 00:32:00,600
Speaker 2: together as a couple, that's when you're his you're you know,

676
00:32:00,640 --> 00:32:03,560
Speaker 2: you're only as strong as your weakest link. Credit wise

677
00:32:03,600 --> 00:32:05,720
Speaker 2: when you're looking at doing things together. So it's good

678
00:32:05,720 --> 00:32:09,320
Speaker 2: that you're working on improving your credit together and definitely

679
00:32:09,880 --> 00:32:14,200
Speaker 2: help him pay that down, like Tiff said, yeah, it's

680
00:32:14,200 --> 00:32:14,640
Speaker 2: a good tip.

681
00:32:17,080 --> 00:32:19,120
Speaker 1: May me know, it's sometimes it's hard, like you know,

682
00:32:19,200 --> 00:32:22,720
Speaker 1: I feel like it's so crazy now that so many

683
00:32:23,400 --> 00:32:26,120
Speaker 1: like I get so many more relationship questions now, whereas

684
00:32:26,160 --> 00:32:31,120
Speaker 1: before I used to be like I don't know, like so,

685
00:32:31,320 --> 00:32:34,160
Speaker 1: but it's just great because now, I mean I would

686
00:32:34,160 --> 00:32:37,160
Speaker 1: give advice before from a space of like I think

687
00:32:37,200 --> 00:32:39,040
Speaker 1: this is the best, you know, way to go about it,

688
00:32:39,040 --> 00:32:40,479
Speaker 1: and now I'm like, oh, I tried it, that does

689
00:32:40,560 --> 00:32:45,280
Speaker 1: not work, and this is what's working currently. But Superman

690
00:32:45,320 --> 00:32:48,560
Speaker 1: and I are still navigating you know, money and marriage

691
00:32:48,560 --> 00:32:51,520
Speaker 1: and money and relationships, and there's something that we're doing

692
00:32:51,520 --> 00:32:54,280
Speaker 1: that's totally working well or if they were, and then

693
00:32:54,320 --> 00:32:58,000
Speaker 1: a year later it's like, yeah, not so much. So

694
00:32:58,120 --> 00:33:00,760
Speaker 1: we still you know, it's a work in progress. And

695
00:33:00,800 --> 00:33:02,320
Speaker 1: I just feel like you have to find the right

696
00:33:02,360 --> 00:33:04,800
Speaker 1: mix for you about what works for you and your relationship.

697
00:33:05,520 --> 00:33:07,840
Speaker 2: The hardest thing for us is when talking when to

698
00:33:07,880 --> 00:33:10,520
Speaker 2: talk about things, I mean I want to talk about

699
00:33:10,560 --> 00:33:12,960
Speaker 2: I can talk about it anytime, in bed, in the car,

700
00:33:13,200 --> 00:33:17,920
Speaker 2: eating dinner, whatever, and he's like, I you know, you know,

701
00:33:18,000 --> 00:33:20,440
Speaker 2: he's just more particular about when we talk about money.

702
00:33:20,840 --> 00:33:23,400
Speaker 2: And it's really hard when like you have you feel

703
00:33:23,400 --> 00:33:25,040
Speaker 2: like what you're saying, what you have to say is

704
00:33:25,040 --> 00:33:26,600
Speaker 2: the most important thing ever, and the fact that they

705
00:33:26,640 --> 00:33:28,120
Speaker 2: don't want to talk about it right now is like

706
00:33:28,200 --> 00:33:31,040
Speaker 2: the rudest thing ever. But we've had to work on

707
00:33:31,160 --> 00:33:35,760
Speaker 2: like scheduling certain times to have the discussion because he doesn't.

708
00:33:35,560 --> 00:33:38,080
Speaker 2: He tends to feel ambushed, and you know, I have

709
00:33:38,120 --> 00:33:42,120
Speaker 2: a strong personality, so me he's like, He's like, I

710
00:33:42,160 --> 00:33:44,240
Speaker 2: literally just got home and you just pounced on me.

711
00:33:44,280 --> 00:33:45,960
Speaker 2: And you're like, but this isn't that what.

712
00:33:45,920 --> 00:33:46,360
Speaker 1: Are we gonna do?

713
00:33:46,400 --> 00:33:48,360
Speaker 2: And we retire? Blah blah blah. Now today I was

714
00:33:48,360 --> 00:33:50,360
Speaker 2: hounding him about a state planning with his parents and he's like,

715
00:33:50,360 --> 00:33:51,440
Speaker 2: can you just relax?

716
00:33:53,240 --> 00:33:55,840
Speaker 1: So, you know, it's it's hard because like I'll look

717
00:33:56,080 --> 00:33:57,520
Speaker 1: like like I was looking at the bills of county

718
00:33:57,480 --> 00:33:59,960
Speaker 1: the other day and I saw like, withdraw twenty dollars,

719
00:34:00,000 --> 00:34:01,959
Speaker 1: with draw twenty dogs, with draw thirty. I was like,

720
00:34:02,400 --> 00:34:04,760
Speaker 1: so I add it up, you know, in petty fashion,

721
00:34:05,160 --> 00:34:08,920
Speaker 1: and I was like, cause, since since January, you've withdrawn

722
00:34:09,400 --> 00:34:13,160
Speaker 1: two hundred dollars, what's happening? And because see, I'm the

723
00:34:13,200 --> 00:34:15,400
Speaker 1: type you know when it comes to my finding, Like

724
00:34:15,400 --> 00:34:18,080
Speaker 1: if I would draw money from like our joint checking

725
00:34:18,120 --> 00:34:20,600
Speaker 1: account for Bill, I put a note. I'm like, oh,

726
00:34:20,640 --> 00:34:22,480
Speaker 1: for groceries for a gat you know what I mean,

727
00:34:22,480 --> 00:34:24,960
Speaker 1: because like that's what that account is for. But he doesn't,

728
00:34:25,400 --> 00:34:27,759
Speaker 1: and so he's like, oh, I think I was gas

729
00:34:27,840 --> 00:34:30,000
Speaker 1: that day. I think I was. I'm like, you think,

730
00:34:30,120 --> 00:34:36,160
Speaker 1: what are you now? So he definitely he definitely right.

731
00:34:36,160 --> 00:34:38,239
Speaker 1: He definitely did the look and walk away, which is.

732
00:34:38,160 --> 00:34:40,760
Speaker 2: Like yankes my bad because you look like the accountant

733
00:34:40,800 --> 00:34:41,920
Speaker 2: all of a sudden, I was.

734
00:34:42,080 --> 00:34:44,319
Speaker 1: And I was like, I'm sorry, babe, and he's like, no,

735
00:34:44,480 --> 00:34:46,279
Speaker 1: you're right, Like I could see looking at I mean,

736
00:34:46,320 --> 00:34:48,479
Speaker 1: it wasn't like a ton he's I could see looking

737
00:34:48,480 --> 00:34:51,640
Speaker 1: at it, being like, you know, it's small increments, so

738
00:34:51,680 --> 00:34:53,839
Speaker 1: it's not about the amount, but it's like I want

739
00:34:53,840 --> 00:34:55,840
Speaker 1: to know, like what is it for? What is it for?

740
00:34:56,040 --> 00:34:57,600
Speaker 1: And he was like, I'm going to do better by

741
00:34:57,600 --> 00:35:00,680
Speaker 1: putting notes by things. He's like, didn't thing is right

742
00:35:00,680 --> 00:35:04,319
Speaker 1: there when it says transfer amount news, so I'll put

743
00:35:04,320 --> 00:35:06,080
Speaker 1: a note so that way we're all on the same page.

744
00:35:06,080 --> 00:35:07,600
Speaker 1: And I was like, thank you, and I'm sorry for

745
00:35:07,640 --> 00:35:10,960
Speaker 1: being a little pushy about it. He was like, thank you.

746
00:35:12,239 --> 00:35:15,680
Speaker 2: That sounds sounds exactly like what the conversation went like.

747
00:35:16,320 --> 00:35:18,240
Speaker 2: It sounds very accurate.

748
00:35:19,600 --> 00:35:22,759
Speaker 1: But you know, I'm learning because I too can be

749
00:35:22,840 --> 00:35:25,719
Speaker 1: a little pushy, especially when it comes to the money part,

750
00:35:25,760 --> 00:35:29,520
Speaker 1: you know. And so yeah, and I'm also very dramatic

751
00:35:29,520 --> 00:35:33,200
Speaker 1: because I'm like, well, this that's gonna be twenty dollars

752
00:35:33,239 --> 00:35:36,080
Speaker 1: can be two hundred and two thousand and two hundred thousand.

753
00:35:36,239 --> 00:35:37,759
Speaker 3: What are we gonna do if you would talk to

754
00:35:37,920 --> 00:35:39,880
Speaker 3: He's like, what are you talking about?

755
00:35:41,000 --> 00:35:44,000
Speaker 1: And then later I'm like, oh, it was a little

756
00:35:44,000 --> 00:35:47,000
Speaker 1: bit much. So I'm trying to learn how that I

757
00:35:47,000 --> 00:35:48,680
Speaker 1: can bring something up, but we could talk about it

758
00:35:48,680 --> 00:35:50,120
Speaker 1: and it doesn't have to be the end of the world,

759
00:35:50,120 --> 00:35:51,800
Speaker 1: because twenty dollars is not the end of the world.

760
00:35:52,239 --> 00:35:53,600
Speaker 1: And likely he brought me lunch.

761
00:35:53,760 --> 00:35:55,600
Speaker 2: You know, I don't know. I'm with you, it could

762
00:35:55,640 --> 00:35:57,920
Speaker 2: be the end of the world. I'm not bad. I

763
00:35:57,920 --> 00:36:00,480
Speaker 2: will just instigate you. I'm like, but what if he

764
00:36:00,600 --> 00:36:03,279
Speaker 2: spent two thousand dollars and what if it was what?

765
00:36:03,880 --> 00:36:07,480
Speaker 1: Yeah, I without my knowledge, I'm like, that's not happy.

766
00:36:07,560 --> 00:36:09,960
Speaker 1: So I mean it's hard, Like I said, it's navigating

767
00:36:09,960 --> 00:36:13,000
Speaker 1: that it's you know, you work on the tone, you

768
00:36:13,040 --> 00:36:16,640
Speaker 1: work on timing, you work on approach, and so everyone's

769
00:36:16,719 --> 00:36:19,319
Speaker 1: kind of different of how best it is to talk

770
00:36:19,320 --> 00:36:23,680
Speaker 1: about something. So yeah, good luck to you, Gertrude, and

771
00:36:23,719 --> 00:36:24,680
Speaker 1: thanks for the pictures.

772
00:36:25,000 --> 00:36:27,360
Speaker 2: Thank you. And that was actually a good segue to

773
00:36:27,440 --> 00:36:30,160
Speaker 2: another question that we have from what is this lovely

774
00:36:30,200 --> 00:36:33,839
Speaker 2: listener's name? Oh want to be anonymous. So she has

775
00:36:33,840 --> 00:36:35,960
Speaker 2: a tax question. I'm gonna save that for next week's

776
00:36:36,040 --> 00:36:39,680
Speaker 2: tax episode with our tax expert Terry. But her second

777
00:36:39,760 --> 00:36:41,759
Speaker 2: question is she wants to know how do how does

778
00:36:41,840 --> 00:36:44,920
Speaker 2: each of us track our expenses? She's curious as to

779
00:36:45,000 --> 00:36:46,839
Speaker 2: how we budget. So since we're just talking about that,

780
00:36:48,120 --> 00:36:50,440
Speaker 2: I don't have I probably should do a better job

781
00:36:51,200 --> 00:36:55,640
Speaker 2: tracking my expenses because I feel like, definitely when it

782
00:36:55,640 --> 00:37:00,000
Speaker 2: comes to I haven't updated my Here's here's my frustration

783
00:37:00,200 --> 00:37:02,920
Speaker 2: with those tools like MINT and Personal capital and stuff.

784
00:37:03,280 --> 00:37:06,279
Speaker 2: It's like they don't categorize stuff the right way all

785
00:37:06,280 --> 00:37:07,920
Speaker 2: the time, and I feel like it takes me so

786
00:37:08,040 --> 00:37:10,080
Speaker 2: much work to go in and say, no, that wasn't

787
00:37:10,120 --> 00:37:12,200
Speaker 2: a drug store charge, it was a gift, or no,

788
00:37:12,320 --> 00:37:16,040
Speaker 2: that wasn't a healthcare charge, it was a utility bill.

789
00:37:16,480 --> 00:37:18,759
Speaker 2: And what I want to know is I just want

790
00:37:18,800 --> 00:37:20,319
Speaker 2: someone to tell me how much did we spend on

791
00:37:20,360 --> 00:37:23,120
Speaker 2: food last month? And how much did we spend, you know,

792
00:37:23,200 --> 00:37:25,480
Speaker 2: at the drug store and on gas. And I don't

793
00:37:25,520 --> 00:37:28,279
Speaker 2: feel like these apps, they just take too much work

794
00:37:28,320 --> 00:37:30,680
Speaker 2: to do. But that's kind of me just whining. I

795
00:37:30,719 --> 00:37:33,600
Speaker 2: should still maybe take the time to go and look

796
00:37:33,719 --> 00:37:37,920
Speaker 2: because I know our spending because the house loosened us

797
00:37:38,000 --> 00:37:39,799
Speaker 2: up to spending in a way, we haven't been loose

798
00:37:39,840 --> 00:37:42,320
Speaker 2: in a while, and I have to, like, like recently,

799
00:37:42,320 --> 00:37:45,080
Speaker 2: I've had to check ourselves, like I shouldn't be spending

800
00:37:45,120 --> 00:37:48,160
Speaker 2: my entire paycheck, you know, that's not I should be

801
00:37:48,239 --> 00:37:50,200
Speaker 2: saving part of it. And I feel like we haven't.

802
00:37:50,440 --> 00:37:53,400
Speaker 2: We've gotten out of that habit of reserve because I

803
00:37:53,480 --> 00:37:56,839
Speaker 2: used to live off fifty percent of my paycheck and

804
00:37:56,880 --> 00:37:59,040
Speaker 2: that was enough to pay for everything, you know, and

805
00:37:59,080 --> 00:38:02,319
Speaker 2: then save the rest plus whatever my husband brought home.

806
00:38:02,600 --> 00:38:05,360
Speaker 2: And that's not the case lately. And I'm trying to

807
00:38:05,360 --> 00:38:07,200
Speaker 2: get us back on track in that.

808
00:38:07,160 --> 00:38:10,200
Speaker 1: Way, No, I go, So I'm going to call the listener. Maria. Yes, Maria,

809
00:38:10,239 --> 00:38:12,839
Speaker 1: and I agree Mandy that something about a house, because

810
00:38:12,840 --> 00:38:14,640
Speaker 1: you and I think are very similar and that we're

811
00:38:14,680 --> 00:38:16,439
Speaker 1: like a little bit on the tight side. But there's

812
00:38:16,440 --> 00:38:18,880
Speaker 1: nothing wrong with that, but like that house will have

813
00:38:18,960 --> 00:38:21,080
Speaker 1: you wide open, like drop down and get your ear

814
00:38:21,120 --> 00:38:23,279
Speaker 1: going on. Right, You're like, whoa we been?

815
00:38:23,440 --> 00:38:25,799
Speaker 2: Because we have been resisting so long that we are

816
00:38:25,880 --> 00:38:27,760
Speaker 2: like just a kid in a candy store.

817
00:38:27,719 --> 00:38:29,959
Speaker 1: Like, oh my goodness, you know I'll be I'm making

818
00:38:30,000 --> 00:38:32,080
Speaker 1: decisions and I'm like, oh my god, who are you tiddy?

819
00:38:32,600 --> 00:38:37,080
Speaker 1: Where is my frugal front? So so yeah, I don't

820
00:38:37,080 --> 00:38:38,520
Speaker 1: I don't say I don't use any of those apps.

821
00:38:38,560 --> 00:38:41,640
Speaker 1: So when I when money was tight, like when I

822
00:38:41,719 --> 00:38:44,000
Speaker 1: was teaching preschool and I wasn't making you know, like

823
00:38:44,040 --> 00:38:47,279
Speaker 1: a bunch of money, I was very particular, meaning like

824
00:38:47,320 --> 00:38:49,799
Speaker 1: I had I had an actual spreadsheet that I would

825
00:38:49,840 --> 00:38:51,720
Speaker 1: like look at every two weeks and I would set aside,

826
00:38:51,760 --> 00:38:54,120
Speaker 1: you know, this amount for groceries, this amount for going out,

827
00:38:54,160 --> 00:38:56,280
Speaker 1: this is not for hair. So I was really clear,

828
00:38:56,320 --> 00:38:59,279
Speaker 1: but I used just an Excel spreadsheet. And now that

829
00:38:59,440 --> 00:39:03,040
Speaker 1: I'm doing better, I am less constrained in that I

830
00:39:03,120 --> 00:39:09,279
Speaker 1: don't particularly like I live more by percentages. So I save,

831
00:39:09,480 --> 00:39:12,440
Speaker 1: I would say, probably because we live off of mostly

832
00:39:12,480 --> 00:39:16,960
Speaker 1: Superman's income, and then I give my parents money every month,

833
00:39:17,000 --> 00:39:18,719
Speaker 1: so that doesn't come from our joint income that comes

834
00:39:18,760 --> 00:39:22,120
Speaker 1: from mine. So I venture to say, I say probably

835
00:39:22,200 --> 00:39:25,200
Speaker 1: upwards of eighty to ninety percent of what I make

836
00:39:25,320 --> 00:39:27,279
Speaker 1: because we live off his income and then we save

837
00:39:27,360 --> 00:39:30,479
Speaker 1: and invest mine. But still from that money, I still

838
00:39:30,480 --> 00:39:33,320
Speaker 1: take take out money, you know, to send to my parents.

839
00:39:33,400 --> 00:39:36,080
Speaker 1: And then I have like allowance that I give myself.

840
00:39:36,120 --> 00:39:39,880
Speaker 1: So the percentage that I set aside for myself, I

841
00:39:39,960 --> 00:39:44,000
Speaker 1: live off the percentages versus like, okay, this amount for groceries,

842
00:39:44,040 --> 00:39:46,720
Speaker 1: this amount. It's almost like here's your lump sum, Tiffany.

843
00:39:47,239 --> 00:39:48,960
Speaker 1: Make it work for the month, you know. And so

844
00:39:49,040 --> 00:39:52,359
Speaker 1: that's typically how I live now. I'm not as I'm

845
00:39:52,360 --> 00:39:55,279
Speaker 1: not as detailed because I'm like, okay, this is you know,

846
00:39:55,280 --> 00:39:57,880
Speaker 1: I might give myself like to be all the way transparent,

847
00:39:57,920 --> 00:40:01,280
Speaker 1: I mean, Superman and I like, aside from the renovation,

848
00:40:01,360 --> 00:40:05,280
Speaker 1: we live fairly simply, I want to say, our whole

849
00:40:05,560 --> 00:40:07,120
Speaker 1: like the way we live now, we don't have a car,

850
00:40:07,760 --> 00:40:10,719
Speaker 1: two cars. We don't have any cardinal. Our apartment is

851
00:40:10,760 --> 00:40:13,000
Speaker 1: super cheap because he's a super so we we we

852
00:40:13,640 --> 00:40:15,840
Speaker 1: live where he works. So we paid nine to sixty

853
00:40:15,880 --> 00:40:17,480
Speaker 1: a month in rent for two bed and when I

854
00:40:17,520 --> 00:40:20,839
Speaker 1: have that, and then like I don't know, our other

855
00:40:20,880 --> 00:40:24,160
Speaker 1: bills are really really low. So we we're under I

856
00:40:24,200 --> 00:40:25,960
Speaker 1: want to say, under thirty five hundred bucks a month.

857
00:40:26,000 --> 00:40:28,400
Speaker 1: We're probably we're closer to really three thousand dollars a

858
00:40:28,400 --> 00:40:31,200
Speaker 1: month for our total like life, you know, like including

859
00:40:32,520 --> 00:40:35,480
Speaker 1: groceries and stuff like that. So as a result, you know,

860
00:40:35,719 --> 00:40:38,160
Speaker 1: I don't really have to nickel and diamond. I'm like,

861
00:40:38,200 --> 00:40:40,040
Speaker 1: all right, boom, I just know Superman is going to

862
00:40:40,040 --> 00:40:43,120
Speaker 1: transfer his three thousand dollars to fifteen hundred every paycheck,

863
00:40:43,160 --> 00:40:46,640
Speaker 1: and you know we'll give it ourselves, our allowances and

864
00:40:46,800 --> 00:40:49,680
Speaker 1: we'll make that work. And so I say, it depends

865
00:40:49,719 --> 00:40:52,360
Speaker 1: on where you are financially, but for me, an Excel

866
00:40:52,400 --> 00:40:56,360
Speaker 1: spread chief theth and now it's just a percentage that

867
00:40:56,400 --> 00:40:57,919
Speaker 1: I give myself. And it's like, well, when this money

868
00:40:58,000 --> 00:40:58,919
Speaker 1: is done, sifty, so are.

869
00:40:58,840 --> 00:41:01,680
Speaker 2: You I need to see that spreadsheet? Let me let

870
00:41:01,719 --> 00:41:02,640
Speaker 2: me see that spreadsheet.

871
00:41:03,320 --> 00:41:09,000
Speaker 1: Yeah, what that's what it separates the real fan fake

872
00:41:09,040 --> 00:41:12,160
Speaker 1: what man it? I used to be what I would

873
00:41:12,239 --> 00:41:15,799
Speaker 1: make any any accountant proud. Before the spreadsheet, I had

874
00:41:15,800 --> 00:41:18,279
Speaker 1: a notebook. I was such my father's daughter because my

875
00:41:18,360 --> 00:41:20,799
Speaker 1: dad is retired now, but he was an accountant and

876
00:41:20,840 --> 00:41:24,160
Speaker 1: he was using He still uses a yellow Ledger notebook

877
00:41:24,960 --> 00:41:27,200
Speaker 1: and like with the lines like I that's how I

878
00:41:27,280 --> 00:41:30,200
Speaker 1: used to do my budget. I was very particular. And

879
00:41:30,239 --> 00:41:32,960
Speaker 1: then my sister was like, so it's the two thousands

880
00:41:33,000 --> 00:41:36,200
Speaker 1: computers that exist. There's something called Excel. I want you

881
00:41:36,280 --> 00:41:39,120
Speaker 1: to try it, And so I did so I switched

882
00:41:39,160 --> 00:41:42,040
Speaker 1: to Excel, and so I still see remnants of it,

883
00:41:42,080 --> 00:41:44,680
Speaker 1: but I have not used. Like I said, it's probably

884
00:41:44,719 --> 00:41:46,680
Speaker 1: been about three years since I've lived on that tight,

885
00:41:47,160 --> 00:41:49,239
Speaker 1: tight kind of like budget like that. I'm just more so,

886
00:41:49,440 --> 00:41:51,000
Speaker 1: here's your alum sum tipany make it work?

887
00:41:51,400 --> 00:41:53,319
Speaker 2: Well, I'm about to get back on it because I

888
00:41:53,360 --> 00:41:56,560
Speaker 2: really do feel like I just don't it just I'm

889
00:41:57,440 --> 00:42:00,360
Speaker 2: it just doesn't make me feel good the way that

890
00:42:00,360 --> 00:42:03,520
Speaker 2: we're spending money sometimes, like I just and it's a

891
00:42:03,560 --> 00:42:07,040
Speaker 2: blessing to like, I just feel like we aren't we worrying,

892
00:42:07,040 --> 00:42:10,439
Speaker 2: We should be worrying more. And he's always like, why

893
00:42:10,440 --> 00:42:13,200
Speaker 2: are you worried. I'm like, because you know, we need

894
00:42:13,239 --> 00:42:15,839
Speaker 2: to be we need to start. I see the I

895
00:42:15,920 --> 00:42:18,040
Speaker 2: see the territory we're in now, and we've spent this

896
00:42:18,120 --> 00:42:19,440
Speaker 2: much on the house, and I'm like, we need to

897
00:42:19,480 --> 00:42:21,960
Speaker 2: be in a rebuilding phase. And in order to rebuild,

898
00:42:22,000 --> 00:42:24,000
Speaker 2: we got to cut back. We can't keep we're living

899
00:42:24,040 --> 00:42:25,719
Speaker 2: as if we're still spending this much money on the

900
00:42:25,719 --> 00:42:27,960
Speaker 2: house and yet we're not. It's just it's just, you know,

901
00:42:28,040 --> 00:42:30,600
Speaker 2: we're spending it on things like groceries and eating out

902
00:42:30,719 --> 00:42:34,720
Speaker 2: and you know, just all kinds of stuff. And maybe

903
00:42:34,719 --> 00:42:36,960
Speaker 2: the house plans that I buy an Amazon. Amazon is

904
00:42:37,000 --> 00:42:39,719
Speaker 2: like killing me. I buy so much stuff on there.

905
00:42:39,760 --> 00:42:42,040
Speaker 2: But anyway, I'm gonna I'm gonna get back on the budget.

906
00:42:42,080 --> 00:42:43,960
Speaker 2: I like the idea of setting up like a percentage

907
00:42:43,960 --> 00:42:45,880
Speaker 2: of how much you're gonna be spending, and I'm gonna

908
00:42:45,920 --> 00:42:48,439
Speaker 2: like take an hour and do the mint dot Com

909
00:42:48,440 --> 00:42:51,360
Speaker 2: thing because I really want the ugly, the ugly truth

910
00:42:51,560 --> 00:42:54,000
Speaker 2: of how much we've been spending in each category lately,

911
00:42:54,080 --> 00:42:55,960
Speaker 2: because I think it's gonna hurt.

912
00:42:56,680 --> 00:42:58,080
Speaker 1: And it's good to see that. I'm not gonna know

913
00:42:58,120 --> 00:42:59,440
Speaker 1: like I have, Like I said, I'm like, oh at

914
00:42:59,440 --> 00:43:02,440
Speaker 1: this point, like honestly, like I'm still when it comes

915
00:43:02,480 --> 00:43:04,000
Speaker 1: to our day to day life, I'm still such a

916
00:43:04,000 --> 00:43:06,560
Speaker 1: tight wad. It's really just a housewife that I'm like, Oh,

917
00:43:06,760 --> 00:43:10,120
Speaker 1: it's like Sasha Fears, you know, is doing the house

918
00:43:10,160 --> 00:43:12,319
Speaker 1: and then Beyonce is doing the like you're evil twin

919
00:43:13,040 --> 00:43:16,640
Speaker 1: yeah what like And it's so crazy because Mandy, like

920
00:43:16,680 --> 00:43:19,920
Speaker 1: I will sweat, like what you over talked about two

921
00:43:19,920 --> 00:43:23,359
Speaker 1: dollars and I drove back to get it. But when

922
00:43:23,360 --> 00:43:26,640
Speaker 1: it comes to the house, it's like, oh, a thousand

923
00:43:26,640 --> 00:44:04,800
Speaker 1: dollars here you go? Yeah, who am I? Now it's

924
00:44:05,080 --> 00:44:08,920
Speaker 1: time to booster a break or booster a break or

925
00:44:09,040 --> 00:44:11,440
Speaker 1: booster a break? Whatchu finn to do? Mandra?

926
00:44:12,160 --> 00:44:15,360
Speaker 2: I mean, like you saw when I had my house,

927
00:44:15,400 --> 00:44:17,120
Speaker 2: everything was tied to my house, and now that I

928
00:44:17,120 --> 00:44:20,479
Speaker 2: have a dog, just get ready for like everything, all dog,

929
00:44:20,560 --> 00:44:23,480
Speaker 2: all the time. I'm already an expert in their bowel

930
00:44:23,520 --> 00:44:27,360
Speaker 2: movements and they're in different breeds and their behavioral patterns.

931
00:44:27,760 --> 00:44:30,160
Speaker 2: But the first thing we did after we got this dog,

932
00:44:30,239 --> 00:44:33,319
Speaker 2: because we were not prepared, and anyone who's thinking of

933
00:44:33,320 --> 00:44:36,279
Speaker 2: getting a dog, listen, do not get do what I

934
00:44:36,360 --> 00:44:38,399
Speaker 2: do and go to the adoption event, get the dog,

935
00:44:38,480 --> 00:44:40,160
Speaker 2: and then like on the way home, we were like,

936
00:44:40,160 --> 00:44:43,000
Speaker 2: oh shit, we don't have anything. So we had to

937
00:44:43,000 --> 00:44:46,399
Speaker 2: go directly to the pet store and they were super

938
00:44:46,560 --> 00:44:50,200
Speaker 2: nice there, and everything seemed reasonably priced, and we somehow

939
00:44:50,239 --> 00:44:53,000
Speaker 2: walked out of there with just the bare essentials and

940
00:44:53,040 --> 00:44:56,399
Speaker 2: we spent three hundred and ninety six dollars three hey

941
00:44:56,560 --> 00:44:59,120
Speaker 2: hundred and ninety six dollars, and I was like, say what,

942
00:44:59,640 --> 00:45:02,640
Speaker 2: Plus the adoption fee was four hundred and fifty dollars,

943
00:45:02,920 --> 00:45:06,160
Speaker 2: So I almost spent one thousand dollars in one day

944
00:45:06,440 --> 00:45:07,600
Speaker 2: on this damn doll I mean.

945
00:45:07,520 --> 00:45:11,120
Speaker 1: I love oh Holley girl, you pridey.

946
00:45:11,040 --> 00:45:14,880
Speaker 2: I know, but she's potty trained, so I think the

947
00:45:14,880 --> 00:45:17,120
Speaker 2: money was worth it. But anyway, here's what I did.

948
00:45:17,160 --> 00:45:19,279
Speaker 2: So the next day I had buyer's remorse and I

949
00:45:19,360 --> 00:45:22,000
Speaker 2: ended up going on Amazon for the things that we purchased,

950
00:45:22,120 --> 00:45:26,320
Speaker 2: like the crate and the bedding for the crate, and

951
00:45:26,480 --> 00:45:29,480
Speaker 2: even the collar that we bought. I found everything, like

952
00:45:29,520 --> 00:45:31,120
Speaker 2: I can't even tell you. The crate was one hundred

953
00:45:31,120 --> 00:45:33,560
Speaker 2: and nineteen dollars in the store and it was like

954
00:45:33,760 --> 00:45:37,440
Speaker 2: fifty dollars max on Amazon. The bed that we bought,

955
00:45:37,480 --> 00:45:39,200
Speaker 2: like the thing that the dog sleeps in and gets

956
00:45:39,280 --> 00:45:43,120
Speaker 2: poop on, and like whatever else was eighty dollars in

957
00:45:43,160 --> 00:45:45,399
Speaker 2: the store, not even kidding you it was. I got

958
00:45:45,400 --> 00:45:48,600
Speaker 2: one on Amazon for twenty five dollars. A lot of

959
00:45:48,640 --> 00:45:51,760
Speaker 2: money difference, Yes, So we returned most of what we got,

960
00:45:52,000 --> 00:45:53,880
Speaker 2: the big stuff that we got back to the store

961
00:45:54,239 --> 00:45:56,000
Speaker 2: and kept, you know, like the little things like toys

962
00:45:56,000 --> 00:45:58,000
Speaker 2: and dog food and stuff. And I was like, never again,

963
00:45:58,040 --> 00:46:00,719
Speaker 2: will they catch me like that? Never again? So I

964
00:46:00,760 --> 00:46:03,320
Speaker 2: probably ended up getting back like, you know, a couple

965
00:46:03,360 --> 00:46:06,400
Speaker 2: hundred dollars just from that. So I learned my lesson.

966
00:46:06,719 --> 00:46:10,840
Speaker 2: Don't do what I did, be prepared and if not Amazon,

967
00:46:10,920 --> 00:46:13,399
Speaker 2: just at least shop around to compare prices before you

968
00:46:13,640 --> 00:46:16,600
Speaker 2: let your emotions take you out of control with your

969
00:46:16,800 --> 00:46:17,640
Speaker 2: with your little puppy.

970
00:46:18,480 --> 00:46:24,520
Speaker 1: Oh wow, Molly seems like she's totally worth it. And yeah,

971
00:46:24,520 --> 00:46:28,440
Speaker 1: she's gonna eat all them coins, honey.

972
00:46:28,600 --> 00:46:30,279
Speaker 2: They don't think good practice for a kid when they

973
00:46:30,280 --> 00:46:31,320
Speaker 2: just suck you dry, right.

974
00:46:31,719 --> 00:46:37,560
Speaker 1: Yeah, exactly. So I had a booth yesterday. Was really awesome.

975
00:46:38,840 --> 00:46:41,600
Speaker 1: It's rare that like something happens and I'm like, uh,

976
00:46:42,280 --> 00:46:43,960
Speaker 1: because you know, I'm a little chatty and a loss

977
00:46:43,960 --> 00:46:46,799
Speaker 1: for word. So so you guys know, I helped to

978
00:46:46,800 --> 00:46:50,200
Speaker 1: write this bill that was then signed into law with

979
00:46:50,400 --> 00:46:53,080
Speaker 1: a friend of mine, Angela Vie McKnight. She's an assembly

980
00:46:53,120 --> 00:46:56,319
Speaker 1: woman in Jersey City. So a few weeks ago she

981
00:46:56,400 --> 00:46:58,000
Speaker 1: was like, hey, what are you doing on the twenty fifth.

982
00:46:58,040 --> 00:47:00,840
Speaker 1: I was like, She's like, I want to you for

983
00:47:00,920 --> 00:47:04,080
Speaker 1: your work as a bunch ofista and as an entrepreneur

984
00:47:04,280 --> 00:47:06,080
Speaker 1: in the state of New Jersey. And I said okay.

985
00:47:06,160 --> 00:47:07,760
Speaker 1: She was like, you know, it's gonna be in Trenton.

986
00:47:07,800 --> 00:47:09,840
Speaker 1: I was like, Trenton, that's like an hour and so

987
00:47:09,960 --> 00:47:13,719
Speaker 1: drive from Newark. And something said this is the kind

988
00:47:13,719 --> 00:47:16,279
Speaker 1: of thing you should invite your parents to. Because I

989
00:47:16,280 --> 00:47:18,400
Speaker 1: really didn't have any intention of like I thought, I

990
00:47:18,440 --> 00:47:19,959
Speaker 1: was just gonna go, you know, get my little paper

991
00:47:19,960 --> 00:47:21,919
Speaker 1: and come home. No, it ended up being this big deal.

992
00:47:22,560 --> 00:47:24,320
Speaker 1: So you know how like you watch like the Senate

993
00:47:24,440 --> 00:47:28,800
Speaker 1: proceedings whatever, like on TV. So the state of New Jersey,

994
00:47:29,320 --> 00:47:31,160
Speaker 1: I guess I don't know if every state has kind

995
00:47:31,160 --> 00:47:35,520
Speaker 1: of like this assembly floor, but it was so beautiful

996
00:47:35,560 --> 00:47:38,759
Speaker 1: and historic and gorgeous, so at the State House. So

997
00:47:38,800 --> 00:47:41,640
Speaker 1: Trenton is the Capital of New Jersey. I'm pretty sure

998
00:47:48,120 --> 00:47:51,320
Speaker 1: it is so at the State House because it was

999
00:47:51,360 --> 00:47:56,200
Speaker 1: Black History Month, the the the Black Caucus she had,

1000
00:47:56,280 --> 00:48:01,560
Speaker 1: it's the Black Legislative Caucus of New Jersey. She they

1001
00:48:01,640 --> 00:48:04,320
Speaker 1: honored me right there on the Assembly floor. And the

1002
00:48:04,320 --> 00:48:06,400
Speaker 1: assembly floor looks like when you watch on TV and

1003
00:48:06,400 --> 00:48:08,479
Speaker 1: they're like, you know, Madam Speaker, and so it looked

1004
00:48:08,480 --> 00:48:12,799
Speaker 1: so fancy. And so my parents came. They got to

1005
00:48:12,840 --> 00:48:14,879
Speaker 1: come on the floor with me as they talked about

1006
00:48:14,880 --> 00:48:16,759
Speaker 1: all the good works I've done as the budgetista and

1007
00:48:16,800 --> 00:48:19,680
Speaker 1: as an entrepreneur, and I got to speak to the

1008
00:48:19,680 --> 00:48:22,200
Speaker 1: whole assembly. But they were you know during the Assembly,

1009
00:48:22,239 --> 00:48:24,200
Speaker 1: you know, they vote on things. This is where laws

1010
00:48:24,239 --> 00:48:27,120
Speaker 1: are written and created and shot down. And it was

1011
00:48:27,200 --> 00:48:30,920
Speaker 1: just it just felt the magnitude of that day was

1012
00:48:31,120 --> 00:48:35,120
Speaker 1: just bigger than I could really just even articulate or

1013
00:48:35,160 --> 00:48:37,600
Speaker 1: even just feel. And so they have my parents there

1014
00:48:37,640 --> 00:48:41,560
Speaker 1: with me. It was awesome. And so the pictures look

1015
00:48:41,640 --> 00:48:44,600
Speaker 1: amazing just because the place it's so beautiful and historic.

1016
00:48:44,920 --> 00:48:47,520
Speaker 1: So you can like look at my ig the Budgetnista

1017
00:48:47,800 --> 00:48:49,560
Speaker 1: for some of the pictures. And it was just honestly

1018
00:48:49,640 --> 00:48:51,439
Speaker 1: a really awesome day, and it was just so nice

1019
00:48:51,440 --> 00:48:54,240
Speaker 1: to share with my parents because to me all the way, honest,

1020
00:48:54,280 --> 00:48:55,920
Speaker 1: I was a little bit of a handful as a

1021
00:48:56,000 --> 00:49:02,319
Speaker 1: kid up until college. So my parents, you know, they

1022
00:49:02,320 --> 00:49:05,400
Speaker 1: went through a lot trying to wrangle Tiffany. And so

1023
00:49:05,640 --> 00:49:08,320
Speaker 1: this is for all the handfuls and that the things

1024
00:49:08,360 --> 00:49:10,640
Speaker 1: that sometimes make you a handfuls are also what makes

1025
00:49:10,680 --> 00:49:14,359
Speaker 1: you awesome and that you know, just you know, lean

1026
00:49:14,520 --> 00:49:18,560
Speaker 1: into your what makes you different and you know, maximize

1027
00:49:18,560 --> 00:49:21,200
Speaker 1: it to make the best life for yourself. And it's just,

1028
00:49:21,560 --> 00:49:25,440
Speaker 1: you know, it was crazy because I brought my videographer, Jermaine,

1029
00:49:25,480 --> 00:49:27,719
Speaker 1: and I said, you know, something said you know, bring him,

1030
00:49:27,719 --> 00:49:30,719
Speaker 1: And I'm so glad because I saw Jermaine asking my

1031
00:49:30,760 --> 00:49:33,160
Speaker 1: dad in the corner on video, you know, what do

1032
00:49:33,160 --> 00:49:34,759
Speaker 1: you think about today? He's like, you know, I'm so

1033
00:49:34,840 --> 00:49:36,759
Speaker 1: proud of Tiffany. And if you have immigrant parents, the

1034
00:49:36,800 --> 00:49:38,600
Speaker 1: word proud doesn't come out of their mouth very often.

1035
00:49:39,160 --> 00:49:41,319
Speaker 1: And he's like, I'm so proud of Tiffany and all

1036
00:49:41,400 --> 00:49:43,040
Speaker 1: he said something that made me want to cry. He

1037
00:49:43,080 --> 00:49:46,200
Speaker 1: was like, you know, I have high expectations for all

1038
00:49:46,200 --> 00:49:50,959
Speaker 1: my children, Tiffany included. But to be honest, Tiffany has,

1039
00:49:52,600 --> 00:49:56,040
Speaker 1: she has, she has exceeded any expectation I could have

1040
00:49:56,080 --> 00:49:58,560
Speaker 1: ever even like imagined for her, and my dad has

1041
00:49:58,600 --> 00:50:01,560
Speaker 1: It's not one He's not mushy dad. He's not a

1042
00:50:01,680 --> 00:50:04,560
Speaker 1: you get a participation a ward dad, He's a oh

1043
00:50:04,600 --> 00:50:06,359
Speaker 1: you got a ninety six, where's the other four points?

1044
00:50:06,440 --> 00:50:09,080
Speaker 1: Don't get geeked like? That's my dad, you know, Like

1045
00:50:09,160 --> 00:50:12,240
Speaker 1: he is never satisfied. He always says you could do better.

1046
00:50:12,320 --> 00:50:14,480
Speaker 1: He always says you could be better. He's always pushing

1047
00:50:14,520 --> 00:50:16,600
Speaker 1: you to the next level. So for him to say

1048
00:50:17,160 --> 00:50:21,040
Speaker 1: that I've exceeded expectations, it's not because it's expectations are low.

1049
00:50:21,600 --> 00:50:24,480
Speaker 1: I mean, he has the highest expectations that you know,

1050
00:50:24,600 --> 00:50:27,000
Speaker 1: even more so than for myself. And so that was

1051
00:50:27,040 --> 00:50:30,280
Speaker 1: just a magical moment. And so that is my brown booze.

1052
00:50:30,360 --> 00:50:31,840
Speaker 1: It was just a magical moment. I want to just

1053
00:50:31,840 --> 00:50:35,759
Speaker 1: thank Angela. She's such an awesome, amazing woman. This is

1054
00:50:35,800 --> 00:50:38,000
Speaker 1: a woman who's had hundreds of laws already passed. She's

1055
00:50:38,120 --> 00:50:40,839
Speaker 1: only been in office I think in twenty eleven. There

1056
00:50:40,880 --> 00:50:43,600
Speaker 1: are legislators that have not gotten one law pass This

1057
00:50:43,640 --> 00:50:48,799
Speaker 1: woman has had hundreds. And she's always bringing me in

1058
00:50:49,680 --> 00:50:53,200
Speaker 1: and just highlighting me whenever possible, and you know the

1059
00:50:53,239 --> 00:50:55,359
Speaker 1: Black Caucus. It was, like I said, Black History Month,

1060
00:50:55,400 --> 00:50:57,840
Speaker 1: so it was not just me that got the resolution.

1061
00:50:58,040 --> 00:51:00,720
Speaker 1: So that's what they honored me with. It's called the resolution.

1062
00:51:00,800 --> 00:51:04,360
Speaker 1: It's like an official citation that then gets filed away

1063
00:51:04,440 --> 00:51:07,240
Speaker 1: and like official document status at the state House and

1064
00:51:07,280 --> 00:51:09,400
Speaker 1: all that stuff, and they give you like a in

1065
00:51:09,440 --> 00:51:12,479
Speaker 1: a picture frame for you to take home. And yeah,

1066
00:51:12,480 --> 00:51:14,200
Speaker 1: I just want to thank the stay in New Jersey.

1067
00:51:14,280 --> 00:51:17,080
Speaker 1: This is just an awesome honor and not one that

1068
00:51:17,120 --> 00:51:19,960
Speaker 1: I take lightly. You know, I work really hard and

1069
00:51:20,080 --> 00:51:23,319
Speaker 1: sometimes too hard if you ask me truthfully, But no,

1070
00:51:23,719 --> 00:51:27,040
Speaker 1: it's because whenever I turn around, there's someone who is

1071
00:51:27,200 --> 00:51:30,080
Speaker 1: needing help and I'm like, okay, how can I fit

1072
00:51:30,120 --> 00:51:34,000
Speaker 1: this into my schedule? So yeah, it just yesterday was

1073
00:51:34,040 --> 00:51:36,080
Speaker 1: just really an awesome, awesome, awesome time.

1074
00:51:36,480 --> 00:51:39,759
Speaker 2: It's nice to be appreciated. It is, honestly, take a

1075
00:51:39,800 --> 00:51:42,279
Speaker 2: step back and appreciate yourself and like all the work

1076
00:51:42,320 --> 00:51:44,520
Speaker 2: that you've done. So that's awesome. The pictures, I can't wait.

1077
00:51:44,560 --> 00:51:47,440
Speaker 2: I want to see some of the pictures that that

1078
00:51:47,520 --> 00:51:49,440
Speaker 2: you remain took or did he just take video?

1079
00:51:49,640 --> 00:51:53,720
Speaker 1: Whatever he did a bunch of like so I posted

1080
00:51:53,719 --> 00:51:55,840
Speaker 1: some of them, like especially the ones with my parents.

1081
00:51:55,960 --> 00:51:58,360
Speaker 1: This is one picture that's my favorite, where like my

1082
00:51:58,480 --> 00:52:00,160
Speaker 1: mom is taking a picture of me. I look for

1083
00:52:00,200 --> 00:52:03,239
Speaker 1: someone like I'm in third grade because you see like

1084
00:52:03,280 --> 00:52:05,160
Speaker 1: the back of my parent's head, my dad is looking

1085
00:52:05,160 --> 00:52:06,719
Speaker 1: on and my mom is taking a picture of me

1086
00:52:06,760 --> 00:52:08,640
Speaker 1: with her phone and I'm standing in the middle holding

1087
00:52:08,680 --> 00:52:09,160
Speaker 1: my award.

1088
00:52:09,280 --> 00:52:13,680
Speaker 3: Yeah, they should give out awards to adults because you

1089
00:52:13,680 --> 00:52:15,880
Speaker 3: know why, like why should we stop at the college

1090
00:52:15,920 --> 00:52:18,799
Speaker 3: diploma or the high school diploma, Like we need to

1091
00:52:18,920 --> 00:52:21,799
Speaker 3: just all take a step back and recognize each other.

1092
00:52:22,640 --> 00:52:24,040
Speaker 2: Yeah, that's fair and.

1093
00:52:24,040 --> 00:52:26,279
Speaker 1: It's so nice, right. I was like, oh, look at

1094
00:52:26,280 --> 00:52:28,560
Speaker 1: my pant when I saw that picture. It's such a

1095
00:52:28,600 --> 00:52:30,799
Speaker 1: parent picture, like, oh look at my baby. You could

1096
00:52:30,840 --> 00:52:32,880
Speaker 1: just tell they were like, look at my baby.

1097
00:52:32,920 --> 00:52:35,800
Speaker 2: You know, do your parents still have like my dad's

1098
00:52:35,840 --> 00:52:38,360
Speaker 2: literally has a wall like a shrine. And it's like

1099
00:52:38,440 --> 00:52:41,080
Speaker 2: Mandy Wood aer a eighth grade algebra on her role,

1100
00:52:41,800 --> 00:52:45,279
Speaker 2: Mandy Wood are a fifth grade perfect attendance like you

1101
00:52:45,880 --> 00:52:48,400
Speaker 2: They keep all those little awards and things.

1102
00:52:48,200 --> 00:52:50,960
Speaker 1: Over there years they do. And I mean, you know

1103
00:52:51,000 --> 00:52:52,560
Speaker 1: you don't think, you know, I don't care, how girl

1104
00:52:52,640 --> 00:52:54,839
Speaker 1: you are? You know, you tell yourself. I don't care

1105
00:52:54,880 --> 00:52:56,560
Speaker 1: because I know I've definitely told myself that when my

1106
00:52:56,560 --> 00:52:59,520
Speaker 1: parents weren't particularly proud of what I was doing, and

1107
00:52:59,560 --> 00:53:01,160
Speaker 1: I'm like, don care, I'm grown at you. I do

1108
00:53:01,200 --> 00:53:03,879
Speaker 1: what I won't, I do what I won't. But there's

1109
00:53:04,000 --> 00:53:07,799
Speaker 1: nothing like having parental approval and for them to be

1110
00:53:07,800 --> 00:53:09,520
Speaker 1: proud of you. It was just like, like I said,

1111
00:53:09,560 --> 00:53:13,319
Speaker 1: like I I, my parents are not touchy feely, Oh

1112
00:53:13,400 --> 00:53:15,879
Speaker 1: baby baby. You know that's not them. So for them

1113
00:53:15,920 --> 00:53:19,000
Speaker 1: to say I am proud of you, it means everything

1114
00:53:19,560 --> 00:53:21,560
Speaker 1: because it's not It's not a word that I have

1115
00:53:21,640 --> 00:53:24,480
Speaker 1: heard often in my in my career and even just

1116
00:53:24,520 --> 00:53:26,719
Speaker 1: now as an adult. You know, they really reserve that

1117
00:53:26,800 --> 00:53:28,239
Speaker 1: from when they really are proud of me.

1118
00:53:29,360 --> 00:53:31,440
Speaker 2: When you deserve it. I'm proud of you too, Not

1119
00:53:31,480 --> 00:53:32,279
Speaker 2: that it matters as.

1120
00:53:32,280 --> 00:53:35,480
Speaker 1: Much, but it do, but I definitely definitely does matter.

1121
00:53:36,520 --> 00:53:40,960
Speaker 2: Yeah, that's awesome, congrats, thank you. I don't call you

1122
00:53:40,960 --> 00:53:42,160
Speaker 2: the queen in Jersey for nothing.

1123
00:53:42,400 --> 00:53:45,359
Speaker 1: Okay, Jersey queen. Okay, they need.

1124
00:53:45,280 --> 00:53:46,880
Speaker 2: A new queen since Whitney's been gone.

1125
00:53:47,360 --> 00:53:49,080
Speaker 1: Well, you know, I feel like Queen Latifa. Honestly, it's

1126
00:53:49,080 --> 00:53:49,319
Speaker 1: a queen.

1127
00:53:49,320 --> 00:53:51,000
Speaker 2: I'll be proud okay, sign fair enough.

1128
00:53:51,440 --> 00:53:53,160
Speaker 1: But you know, just to close, you know, Queen Latifa,

1129
00:53:53,400 --> 00:53:58,080
Speaker 1: it's a seventeen million note fourteen million dollar. She's building

1130
00:53:58,400 --> 00:54:02,719
Speaker 1: homes or like a housing complex or something like that apartment.

1131
00:54:03,239 --> 00:54:05,880
Speaker 1: I think it's fourteen million dollars and I'm just excited

1132
00:54:05,880 --> 00:54:07,359
Speaker 1: to see, like what happens with it, you know.

1133
00:54:07,400 --> 00:54:10,520
Speaker 2: I heard that. Yeah, that's amazing. It's nice to see

1134
00:54:10,520 --> 00:54:11,880
Speaker 2: people give back to that community.

1135
00:54:12,160 --> 00:54:17,120
Speaker 1: Yeah, because we who aren't Mark Zuckerberg exactly dope.

1136
00:54:17,800 --> 00:54:21,080
Speaker 2: All right, Well, another show, another week gone. We'll see

1137
00:54:21,080 --> 00:54:24,640
Speaker 2: you guys next week with our tax episode. Send us

1138
00:54:24,640 --> 00:54:28,560
Speaker 2: your questions brandonbishpodcast at gmail dot com, and really questions

1139
00:54:28,600 --> 00:54:30,759
Speaker 2: about your text we'll try and get to on the show.

1140
00:54:30,800 --> 00:54:32,080
Speaker 2: And what's our expert tam again?

1141
00:54:32,600 --> 00:54:35,080
Speaker 1: But you wish Terry Chantel so you could do your

1142
00:54:35,120 --> 00:54:36,919
Speaker 1: googles if you want to. But she's amazing. You're gonna

1143
00:54:36,960 --> 00:54:37,239
Speaker 1: love her.

1144
00:54:38,800 --> 00:54:41,480
Speaker 2: I have my own list of questions, so get ready

1145
00:54:42,160 --> 00:54:46,279
Speaker 1: I sis exactly because I could to get my face

1146
00:54:46,440 --> 00:54:55,520
Speaker 1: all the way together with Terry