WEBVTT - Ep. 163 — Budgeting With Bae 

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<v Speaker 1>Hey, hey, hey, we're back. We're black like the Oscars

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<v Speaker 1>and brown.

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<v Speaker 2>Oscar's so brown?

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<v Speaker 1>I know?

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<v Speaker 2>Is that a hashtag? Yet?

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<v Speaker 1>No? No, I did see someone right like Oscars so black,

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<v Speaker 1>but I say brown, well yeah, brown because oh my gosh,

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<v Speaker 1>so many amazing awards. First of all, Regina King, okay,

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<v Speaker 1>come through Brenda two to seven? What you know about it?

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<v Speaker 2>She has owned the red carpet and the awards season

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<v Speaker 2>for like like the past two three seasons. Like she's

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<v Speaker 2>having a moment like capital.

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<v Speaker 1>M Yeah, I love her and a long time coming.

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<v Speaker 1>Do you know two two seven, Mandy? Because you didn't

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<v Speaker 1>say anything, I'm like, let me seef your A brown

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<v Speaker 1>card is gonna be revoked.

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

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<v Speaker 1>Okay, isn't we.

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<v Speaker 2>Vokes because I'm young? Or evoked because I'm that's like

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<v Speaker 2>the white part of me who watched Save by the

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<v Speaker 2>Bell instead of whatever that show is.

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<v Speaker 1>Actually, I know, I want to say, so to be fair,

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<v Speaker 1>it is like it's it's not. I mean, it definitely

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

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<v Speaker 1>you were like, I don't even know you might have

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<v Speaker 1>been like two so to be fair, I'm gonna allow

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<v Speaker 1>you to keep your cards there. Yeah. So, but because

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<v Speaker 1>it was I definitely watched it as like a super

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<v Speaker 1>little kid. So when you get a chance, so do

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<v Speaker 1>your googles on two two seven, because that's when I

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<v Speaker 1>was introduced to to Regina King. She was Brenda, a

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<v Speaker 1>teenager on this on the show I believe two two

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<v Speaker 1>seven was a spin off of Amen. I know some

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<v Speaker 1>of you guys are gagging, those of you and your

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

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<v Speaker 1>was just a great little show.

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<v Speaker 2>Mollie Molly wants to be on the podcast. Oh well,

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<v Speaker 2>our third co host is Molly's.

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<v Speaker 1>Do tell who's got a dog? Yeah?

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<v Speaker 2>I got a dog. We just got a brand new

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<v Speaker 2>dog this past weekend. Sorry, I had to meet myself

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<v Speaker 2>for a second so I could calm her down. She's

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<v Speaker 2>a little kiddish. She's a rescue dog and she's been

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<v Speaker 2>through it. Okay, it was the fight of the century,

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<v Speaker 2>I have to say to get this dog. But I

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<v Speaker 2>wanted it. I've been asking for her for years and

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<v Speaker 2>I won.

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<v Speaker 1>Oh well, she looks so cy I saw it on

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<v Speaker 1>IG I was like, oh, look at Mollie. Do you

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<v Speaker 1>know what kind of mix she is?

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<v Speaker 2>Or yeah, she's It was such a funny story because

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<v Speaker 2>my friend she's a lab mixed with probably a Boston Terrier.

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

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

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<v Speaker 2>I mean, I grew up with dogs, so I always

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<v Speaker 2>wanted a dog. My husband did not and didn't understand

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<v Speaker 2>why I was so obsessed with it. But I'm like,

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<v Speaker 2>you get a house, I get a dog.

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<v Speaker 1>You are super suburban.

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<v Speaker 2>Now, well, my friend Laura was fostering the dog in

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<v Speaker 2>Manhattan through this rescue in Brooklyn called Muddy Pause, and

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<v Speaker 2>she just posted a picture on Instagram and I just

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<v Speaker 2>looked at her and I said, I want that dog.

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<v Speaker 2>That's my dog. But then the universe said, no, no,

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<v Speaker 2>it's not, because there was like ten people in line

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<v Speaker 2>in front of me with appointments to meet this dog.

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<v Speaker 2>Because in Manhattan, of course, it's like any great real

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

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<v Speaker 2>So you're like to find a dog who has a

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<v Speaker 2>good temperament, you know, good with kids, good with people,

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<v Speaker 2>really sweet you know, it's hard because you know a

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<v Speaker 2>lot of what's in shelters, are you know, the less

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<v Speaker 2>desirable dogs, you know, sad sad to say, but senior dogs,

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<v Speaker 2>dogs who have bad reputations, you know, whether they're earned

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<v Speaker 2>or not. So when I saw you know, the dog anyway,

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<v Speaker 2>I got my hopes up, and then they were dashed

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<v Speaker 2>because I had all these people in front of me.

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<v Speaker 2>And then they even told me to come out to

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<v Speaker 2>like Union Square where they have that they roll out

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<v Speaker 2>this truck with the dogs in it and you can

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<v Speaker 2>come and see the dogs and maybe take one. And

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<v Speaker 2>I went out in a limb and I showed up

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<v Speaker 2>at that event and I waited, like in the freezing

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<v Speaker 2>cold for an hour and a half for her. And

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<v Speaker 2>this little volunteer said, oh, I'm so sorry, she was

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<v Speaker 2>just adopted. And yeah, and I have my husband drive

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<v Speaker 2>all the way down to come meet her, and he has,

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<v Speaker 2>you know, finally, you know, agreed to get a dog.

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<v Speaker 2>And he came down and we had to turn right

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<v Speaker 2>back around and go home. But twenty minutes into the ride,

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<v Speaker 2>I got a call from my friend and she said,

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<v Speaker 2>the people who just adopted her changed their minds. Can

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<v Speaker 2>you come back and yes, I know, it's like it's

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<v Speaker 2>a really good rom com except for except for it's

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<v Speaker 2>a dog.

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<v Speaker 1>Yeah.

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<v Speaker 2>So I went back and then I it was a

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<v Speaker 2>lot of these adoption agencies, man, they really like they're

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

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<v Speaker 2>how you know, weirdly rigid they are. But I filled

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<v Speaker 2>out the application, got my little interview done, and she

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<v Speaker 2>was mine went home with her like that night.

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<v Speaker 1>Oh Molly, Yeah I didn't. I didn't grow I had

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

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<v Speaker 1>Immigrant families typically are not big on pets, even my cat.

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

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<v Speaker 1>I'm like in the winter in New Jersey. I'm like no,

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<v Speaker 1>He's like, yes, she is what my dad would go

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<v Speaker 1>in the house and I'm like, come on inside, Cinder,

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

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<v Speaker 1>I always wanted a dog, but it's like, you can

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<v Speaker 1>barely clean your room. You're not walking this dog. So

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<v Speaker 1>you can get a cat or fish.

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<v Speaker 2>She'll get a dog. She's the best. She's so sweet

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<v Speaker 2>and she's so comforting and cute, and it just distracts

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<v Speaker 2>you from everything that's going It might have gone wrong

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<v Speaker 2>on your day, you just can't think about it because

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<v Speaker 2>you have to come home and walk the dog and

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<v Speaker 2>cuddle the dog and fill her toy with peanut butter.

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<v Speaker 2>And you know, is she what does her poop look like?

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<v Speaker 2>That's what I concerned myself with.

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<v Speaker 1>A yeah, well, moll, we hope to meet you one day.

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

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<v Speaker 2>Check her out on the gram. Back to the Oscars, though,

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<v Speaker 2>because there were some moments that happened, so Spike Lee

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

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<v Speaker 2>which was like really adorable and beautiful, but then apparently

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<v Speaker 2>he like threatened to he almost walked out of the

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<v Speaker 2>theater when Green Book won Best Picture. I don't think

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<v Speaker 2>it was televised, butther than I read about it, So

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<v Speaker 2>I haven't seen the movie almost because I'm just already

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<v Speaker 2>annoyed at all the controversy, Like every movie is like,

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<v Speaker 2>you know, whatever it handles race isn't handling it the

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<v Speaker 2>right way according to everybody.

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<v Speaker 1>Well, I guess the problem with Green Book is that

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<v Speaker 1>so so for those who don't know that literally, like

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<v Speaker 1>aside from the movie, the Green Book was literally this

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<v Speaker 1>book that worked that was for black motorists that were

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<v Speaker 1>traveling around the United States of safe places that you

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<v Speaker 1>could go and eat and sleep and go because it

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<v Speaker 1>was really dangerous to travel. I mean it's dangerous now,

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<v Speaker 1>but even more so in like the fifties and sixties,

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<v Speaker 1>and so they created this book to say it's safe

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<v Speaker 1>to eat here, it's safe to park here, it's safe

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<v Speaker 1>to sleep here. So that's what the Green Book was.

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<v Speaker 1>And from what I understand from the clips that I've

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<v Speaker 1>seen about The Green Book the movie, it is very

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<v Speaker 1>much the white Savior syndrome. Remember remember the Last Samurai.

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<v Speaker 1>Did you ever see that with Tom Cruise Cruise? Yeah,

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<v Speaker 1>sot great movie. I was like, Oh, this is great

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<v Speaker 1>until you realize, like, oh, so Tom Cruise, the white

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<v Speaker 1>guy is the last Samurai that saves all these poor

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<v Speaker 1>Japanese people who cannot possibly defend themselves. I get it.

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<v Speaker 1>And so Green Book feels very much like that that.

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<v Speaker 1>Instead of making it about this historic book that really

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<v Speaker 1>helped motorists of color to be able to experience travel

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<v Speaker 1>in the United States, it was more so about Vigo

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<v Speaker 1>Morgansen I think his name is being the white Savior.

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

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<v Speaker 2>It's just funny you bring that up, because like in

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<v Speaker 2>the acceptance speech, all it was all white guys speaking,

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<v Speaker 2>and they even like made Vigo the white savior of

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

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<v Speaker 2>and I hadn't seen it, so I just don't know

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<v Speaker 2>how to feel. But the optics of like the white director,

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<v Speaker 2>the white whoever they were, you know, being the ones

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<v Speaker 2>accepting the award and speaking on it did make me

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<v Speaker 2>feel a certain kind of way because.

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<v Speaker 1>You're writing about a historic black experience without anyone on

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

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<v Speaker 2>Know what I mean. Octavia Maherschel has seemed to stand

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<v Speaker 2>by it, though.

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<v Speaker 1>Yeah, I mean, I mean, I'm not, like I said

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<v Speaker 1>to be all, I have not watched the movie, so

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

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<v Speaker 1>like the feedback that I've seen from people who have

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<v Speaker 1>watched it, especially there's a lot of feedback for people

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<v Speaker 1>who are in the travel industry, where you know, like

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<v Speaker 1>this is what they do, this is what they study,

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<v Speaker 1>and their disappointment with the way Green Book was portrayed

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<v Speaker 1>and written.

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<v Speaker 2>I see, well, at least this year you can at

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<v Speaker 2>least at least this year. It wasn't like Green Book

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<v Speaker 2>was the only film with the cast with people of color,

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<v Speaker 2>like there was so there was so much to comfort

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<v Speaker 2>ourselves with, like Black Panther, Ruth E. Carter, the Cost

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<v Speaker 2>of Fire winning, Oh my god, I know I'm blinking

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<v Speaker 2>on everything else that happened. Mahrscha Ali, Okay, he did

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<v Speaker 2>win for for a green Book. I know, black Pantsina King, yep,

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<v Speaker 2>of course, Regina King, Black Panther. But even like the presenters,

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<v Speaker 2>it felt like the Oscars freshened, even just who was

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<v Speaker 2>Like they had Queen Latifa what if she introduced now

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<v Speaker 2>I forget that part. I think she introduced the favorite,

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<v Speaker 2>But Queen Latifa was there as a presenter. She had

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<v Speaker 2>Jennifer Lopez as a presenter, Constance Wu who was big

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<v Speaker 2>with like crazy Rita.

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

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<v Speaker 1>I always forget his name? The one who who played

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<v Speaker 1>Freddie Mercury and Bohemian Rhapsody.

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<v Speaker 2>Oh, mister big eyes Robby Aleck, he's creepy look and

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<v Speaker 2>come on, yeh.

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<v Speaker 1>But honestly, but like I was, I was on a

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

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<v Speaker 1>was really I mean, I get it. A lot of

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<v Speaker 1>people were like, they really glossed over the the queer

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<v Speaker 1>part of of Freddie Mercury and made it very, very PG.

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<v Speaker 1>I mean, all that set aside, like you know, I

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<v Speaker 1>guess it's the same thing. How I could see how

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<v Speaker 1>the queer audience would feel about that, the way you know,

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<v Speaker 1>black audiences would feel about Green Book. But to me,

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<v Speaker 1>his portrayal of Freddy mrcury was so amazing. Like they

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<v Speaker 1>actually have these videos where they have side by side,

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<v Speaker 1>like you know of Live Aid, where you see Ronnie

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<v Speaker 1>performing and you see Freddie Mercury and you're like, wow,

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<v Speaker 1>it's uncanny how he mimicked his his movements and the

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<v Speaker 1>way he just showed up on saying he was Honestly,

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<v Speaker 1>he was really good. Even if people have an issue

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<v Speaker 1>with the movie.

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<v Speaker 2>I liked. I mean, the movie was fine. I fell

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<v Speaker 2>asleep pathway through, like I did with all the mopiics.

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<v Speaker 2>But that's just because the fun stuffs at the beginning

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<v Speaker 2>and at the end. But no, I mean I thought

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<v Speaker 2>he was really good, but I just wouldn't want to

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<v Speaker 2>run into him. And then the alley that's dark with

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<v Speaker 2>those big guys.

0:10:40.960 --> 0:10:43.240
<v Speaker 1>You know, it's so crazy. Freddie Mercury was like my

0:10:43.480 --> 0:10:48.120
<v Speaker 1>introduction into LGBT because I remember I was like in

0:10:48.200 --> 0:10:50.640
<v Speaker 1>high school. Maybe I was in middle school when you know.

0:10:50.760 --> 0:10:53.920
<v Speaker 1>I think when he Freddie Murcury died and it was

0:10:53.960 --> 0:10:55.480
<v Speaker 1>of age and I knew, you know, I knew where

0:10:55.480 --> 0:10:58.040
<v Speaker 1>age was. And then then making this big I think

0:10:58.080 --> 0:11:00.280
<v Speaker 1>it was like an MTV news then making the big

0:11:00.320 --> 0:11:02.800
<v Speaker 1>thing that he was gay. But I didn't. I didn't.

0:11:02.840 --> 0:11:04.520
<v Speaker 1>I mean, I knew gay what gay man that it's like,

0:11:04.520 --> 0:11:05.960
<v Speaker 1>oh a man and man and a woman and a woman,

0:11:06.360 --> 0:11:08.640
<v Speaker 1>but I didn't really understand. I remember watching his video

0:11:08.679 --> 0:11:11.440
<v Speaker 1>because they were playing you know, Bohemian Rhapssey is one

0:11:11.440 --> 0:11:15.240
<v Speaker 1>of their most famous songs, and I remember staring at

0:11:15.280 --> 0:11:18.280
<v Speaker 1>the TV looking at Freddie Mercury to see if I

0:11:18.280 --> 0:11:20.200
<v Speaker 1>could see the game because I didn't get like, I'm like,

0:11:20.240 --> 0:11:22.040
<v Speaker 1>what is a big deal? You know, as a kid,

0:11:22.120 --> 0:11:25.160
<v Speaker 1>I remember thinking like, okay, so how does gay look

0:11:25.240 --> 0:11:28.200
<v Speaker 1>because he's just like a guy. You know. I just

0:11:28.240 --> 0:11:31.640
<v Speaker 1>remember being so fascinated with like, why is this thing

0:11:31.679 --> 0:11:33.800
<v Speaker 1>called gay? So that's a big deal and this guy

0:11:33.880 --> 0:11:35.920
<v Speaker 1>just looks like a regular guy. Why why can't I

0:11:35.920 --> 0:11:36.960
<v Speaker 1>see what everyone else sees?

0:11:37.000 --> 0:11:39.160
<v Speaker 2>And I just children the world?

0:11:41.240 --> 0:11:44.600
<v Speaker 1>But yeah, so that was I mean, after so brown Black,

0:11:44.679 --> 0:11:46.800
<v Speaker 1>we loved it. You know, we'll take it. We'll take it.

0:11:47.720 --> 0:11:49.720
<v Speaker 1>But yeah, it was a you know, it was a

0:11:49.760 --> 0:11:51.760
<v Speaker 1>I didn't watch the whole show, but definitely some of it.

0:11:51.840 --> 0:11:54.760
<v Speaker 1>And I love the fact that shallow shallows one in

0:11:54.800 --> 0:11:57.640
<v Speaker 1>a shallow Yes, I love that song.

0:11:57.679 --> 0:12:00.560
<v Speaker 2>With movies, I watched the movie three times. I don't care.

0:12:00.600 --> 0:12:02.560
<v Speaker 2>It's like my new favorite rom com, even though it's

0:12:02.600 --> 0:12:06.880
<v Speaker 2>not a comedy, I know, but I love that you

0:12:06.920 --> 0:12:09.600
<v Speaker 2>haven't WoT it's good next plane ride and you gotta

0:12:09.600 --> 0:12:10.240
<v Speaker 2>watch it next.

0:12:10.920 --> 0:12:12.720
<v Speaker 1>That's why I watched my favorite movie, like, you know,

0:12:12.800 --> 0:12:14.240
<v Speaker 1>like get all I get caught up on my movie.

0:12:14.280 --> 0:12:19.000
<v Speaker 1>I'm like, ooh plan my movie. Oh so something special

0:12:19.040 --> 0:12:20.120
<v Speaker 1>happened yesterday for me.

0:12:20.280 --> 0:12:21.560
<v Speaker 2>I have to you know what, I'll do it as

0:12:21.559 --> 0:12:26.000
<v Speaker 2>a wink, okay, as your brown boost Oh yeah, my

0:12:26.000 --> 0:12:26.480
<v Speaker 2>brown boots.

0:12:26.520 --> 0:12:27.679
<v Speaker 1>Yes, I forgot we'll.

0:12:27.400 --> 0:12:31.560
<v Speaker 2>Do it killed the winds is happening in life.

0:12:31.559 --> 0:12:36.560
<v Speaker 1>Then honestly, the house is finally like the house.

0:12:36.880 --> 0:12:38.240
<v Speaker 2>We haven't heard about the house in a minute.

0:12:38.320 --> 0:12:40.640
<v Speaker 1>I know. I've just been like, whatever, girl, if you know,

0:12:40.679 --> 0:12:43.040
<v Speaker 1>everything that could go wrong goes wrong. I ordered some

0:12:43.080 --> 0:12:46.400
<v Speaker 1>top from home Depot. First Bank of America canceled the

0:12:46.480 --> 0:12:48.080
<v Speaker 1>order because they were like, this looks like fun. I'm like,

0:12:48.080 --> 0:12:50.800
<v Speaker 1>but I called you, I remember the day, yes, and

0:12:50.840 --> 0:12:53.000
<v Speaker 1>then I ordered it. Finally thought I was gonna come

0:12:53.040 --> 0:12:56.240
<v Speaker 1>on Friday. Home Depot mixed up my billing and my

0:12:56.320 --> 0:12:59.560
<v Speaker 1>mailing address. I'm like, I don't live there, so I

0:12:59.600 --> 0:13:01.160
<v Speaker 1>had to read order it today so to be in

0:13:01.200 --> 0:13:03.679
<v Speaker 1>another week. And it's just like little thing. Honestly, it's

0:13:03.720 --> 0:13:04.840
<v Speaker 1>not the biggest thing in the world. I mean, at

0:13:04.840 --> 0:13:05.960
<v Speaker 1>the end of the day, I'm going to have a

0:13:05.960 --> 0:13:08.400
<v Speaker 1>beautiful home. But it's just those things that because you

0:13:08.640 --> 0:13:10.280
<v Speaker 1>if you don't put the town in the kitchen, you

0:13:10.280 --> 0:13:12.160
<v Speaker 1>can't put the cabinets. If you can't put the cabinets,

0:13:12.160 --> 0:13:14.679
<v Speaker 1>you can't put the countertop. So you know what I mean.

0:13:14.720 --> 0:13:16.640
<v Speaker 1>It's just like one thing holds up another thing. But

0:13:17.600 --> 0:13:20.520
<v Speaker 1>we're at least talking about paint standing floors, meaning that

0:13:20.520 --> 0:13:25.400
<v Speaker 1>we're on like the the last layer. So I think really,

0:13:25.440 --> 0:13:27.800
<v Speaker 1>by the end of March will be inside the house.

0:13:27.920 --> 0:13:30.240
<v Speaker 1>Woo woo woop. I cannot wait because it's been a

0:13:30.240 --> 0:13:30.960
<v Speaker 1>long time coming.

0:13:31.160 --> 0:13:33.080
<v Speaker 2>It's so funny how like I know the agony that

0:13:33.120 --> 0:13:35.679
<v Speaker 2>you're feeling just waiting but online and like, what's she

0:13:35.720 --> 0:13:38.559
<v Speaker 2>talking about? It's been like that hasn't been that Long's

0:13:38.559 --> 0:13:40.600
<v Speaker 2>like when you're the one whose house it is. Yeah,

0:13:40.760 --> 0:13:43.400
<v Speaker 2>it seems like years. I mean those were the long

0:13:43.480 --> 0:13:45.600
<v Speaker 2>I look back now and like it's only a few months.

0:13:45.600 --> 0:13:47.400
<v Speaker 2>It's the longest freaking months of my life.

0:13:47.480 --> 0:13:51.559
<v Speaker 1>Yeah, and everything seems like such a Like my contractor

0:13:51.600 --> 0:13:53.000
<v Speaker 1>was like, Tiffany, you know you have to order the

0:13:53.080 --> 0:13:56.120
<v Speaker 1>Washington dryer because we built like a special closet for it,

0:13:56.160 --> 0:13:59.079
<v Speaker 1>and like, oh me and super Mario were like almost

0:13:59.080 --> 0:14:01.240
<v Speaker 1>coming to blows. I mean really obviously, you know, but

0:14:01.520 --> 0:14:03.679
<v Speaker 1>you know because you're like, well, I don't. Because he's like,

0:14:03.679 --> 0:14:05.360
<v Speaker 1>I think we should get the gray one. I'm like, babe,

0:14:06.400 --> 0:14:08.679
<v Speaker 1>the gray one is three hundred dollars more and he's

0:14:08.720 --> 0:14:10.960
<v Speaker 1>like yeah, but oh so okay, so you don't want style.

0:14:11.120 --> 0:14:13.480
<v Speaker 1>I'm like, are you kidding me. I was like, oh, like,

0:14:14.320 --> 0:14:16.760
<v Speaker 1>what's happening to us? I was like, babe, We're not

0:14:16.840 --> 0:14:20.600
<v Speaker 1>getting the gray washer and dryer just because it looks

0:14:20.600 --> 0:14:22.400
<v Speaker 1>more stylist. It's going to be in the closet that

0:14:22.480 --> 0:14:25.160
<v Speaker 1>no one's going to see except for during the walkthrough,

0:14:25.440 --> 0:14:28.240
<v Speaker 1>during our one and only when we have our you know,

0:14:28.320 --> 0:14:31.440
<v Speaker 1>our householding party. Other than that, it's just us that's

0:14:31.440 --> 0:14:34.360
<v Speaker 1>going to see this white washer and dryer. Can you imagine,

0:14:34.400 --> 0:14:36.560
<v Speaker 1>like this is the talk that we have now about

0:14:36.600 --> 0:14:37.600
<v Speaker 1>like so I gave him so.

0:14:37.640 --> 0:14:40.840
<v Speaker 2>We can't imagine? In fact, yes, very very deeply. Now

0:14:40.840 --> 0:14:42.840
<v Speaker 2>we have the gray washer and dryer. That was a

0:14:42.840 --> 0:14:45.840
<v Speaker 2>fight that I lost. So good luck to you because

0:14:45.880 --> 0:14:49.120
<v Speaker 2>I know the white ones white appliances are cheaper. But yes,

0:14:49.160 --> 0:14:53.040
<v Speaker 2>and yet yeah, it's be nice to look on the

0:14:53.080 --> 0:14:54.760
<v Speaker 2>other side and hear you talk about that stuff.

0:14:55.160 --> 0:14:56.960
<v Speaker 1>Well, he has one veto car, so we had a rule.

0:14:57.000 --> 0:14:58.200
<v Speaker 1>He was like, as long as you let me do

0:14:58.280 --> 0:14:59.840
<v Speaker 1>whatever I want in the man cave in the basement,

0:15:00.120 --> 0:15:01.720
<v Speaker 1>you could do the rest of the house. But he

0:15:01.760 --> 0:15:04.800
<v Speaker 1>does get one like veto, like one major Veto card.

0:15:05.520 --> 0:15:08.120
<v Speaker 1>So I was like, you know, we were talking about

0:15:08.160 --> 0:15:09.480
<v Speaker 1>like what bed we wanted, and I was like, well,

0:15:09.520 --> 0:15:10.520
<v Speaker 1>I don't want that. I was like, is this your

0:15:10.600 --> 0:15:13.400
<v Speaker 1>Vito card? He's like, no, I have a feeling that

0:15:13.440 --> 0:15:15.360
<v Speaker 1>he's going to use his Veto card to break my heart.

0:15:15.560 --> 0:15:17.080
<v Speaker 1>It's going to be something that I really want.

0:15:17.720 --> 0:15:20.440
<v Speaker 2>Oh man, don't mess around with tile and backsplash. That's

0:15:20.560 --> 0:15:21.800
<v Speaker 2>very you need to win on those.

0:15:22.560 --> 0:15:24.880
<v Speaker 1>No, that one thing for so oddly enough we are

0:15:24.920 --> 0:15:27.080
<v Speaker 1>on the same page with tile. I cannot believe like

0:15:27.080 --> 0:15:29.680
<v Speaker 1>we brought all the tile for the house and we

0:15:29.800 --> 0:15:32.160
<v Speaker 1>have not. It's not been any pushback. It's like, oh

0:15:32.200 --> 0:15:35.440
<v Speaker 1>I love that me too. So you know, he's really

0:15:35.480 --> 0:15:37.920
<v Speaker 1>modern his aesthetic and I'm more traditional. But there are

0:15:37.960 --> 0:15:39.520
<v Speaker 1>places that we kind of meet in the middle. So

0:15:39.800 --> 0:15:42.120
<v Speaker 1>it hasn't been too too bad. But some stuff I'm

0:15:42.160 --> 0:15:44.120
<v Speaker 1>just like getting and not saying anything. It'll just show up.

0:15:44.320 --> 0:15:46.640
<v Speaker 2>Are you saying on budget though, let's get let's talk

0:15:46.640 --> 0:15:47.080
<v Speaker 2>about that.

0:15:48.400 --> 0:15:50.960
<v Speaker 1>Yeah, no, you know, you're just like, you know what,

0:15:51.040 --> 0:15:54.400
<v Speaker 1>at this point, as long as we stay I'm not

0:15:54.480 --> 0:15:58.160
<v Speaker 1>as a stickler as I was where I mean, we're

0:15:58.200 --> 0:15:59.760
<v Speaker 1>not as bad, you know, I will say that as

0:15:59.760 --> 0:16:02.840
<v Speaker 1>far as the actual renovation itself, that is staying fairly

0:16:02.840 --> 0:16:06.120
<v Speaker 1>on budget. I mean, like, we're definitely gonna use our

0:16:06.200 --> 0:16:07.520
<v Speaker 1>what is that thing called like when you have like

0:16:07.520 --> 0:16:10.360
<v Speaker 1>the over edge or whatever, yeah's contingency. We're definitely gonna

0:16:10.400 --> 0:16:13.000
<v Speaker 1>use our contingency because there were just some things and

0:16:13.040 --> 0:16:16.080
<v Speaker 1>it's not because of like style things. It's like, oh,

0:16:16.400 --> 0:16:18.680
<v Speaker 1>you know, like we didn't know that pipe burst that

0:16:18.760 --> 0:16:22.400
<v Speaker 1>kind of thing, so we'll be under we'll be in

0:16:22.480 --> 0:16:25.680
<v Speaker 1>budget with the contingency. But now it's more so like

0:16:25.760 --> 0:16:27.480
<v Speaker 1>the stuff that we want that I'm like, oh, I

0:16:27.480 --> 0:16:29.040
<v Speaker 1>don't know, We're gonna stay on budget with the stuff

0:16:29.040 --> 0:16:32.000
<v Speaker 1>that we want, so, yeah, we'll see.

0:16:32.120 --> 0:16:37.200
<v Speaker 2>The furnishings is where we got because everything's so pretty. Yeah,

0:16:37.600 --> 0:16:40.160
<v Speaker 2>and once you see the way that your curtainslick when

0:16:40.200 --> 0:16:43.360
<v Speaker 2>you buy curtain rings, I cannot tell you. I'm like

0:16:43.480 --> 0:16:47.000
<v Speaker 2>curtain rings for every window. If those things are like

0:16:47.040 --> 0:16:49.120
<v Speaker 2>twenty five bucks a box, but they make everything look

0:16:49.200 --> 0:16:52.320
<v Speaker 2>so much better and the good quality stuff. I mean,

0:16:52.520 --> 0:16:55.680
<v Speaker 2>I just the justification in my head was it's not

0:16:55.720 --> 0:16:58.200
<v Speaker 2>about putting money into the house to get return on

0:16:58.280 --> 0:17:01.080
<v Speaker 2>investment anymore, because that's not something that makes sense or

0:17:01.160 --> 0:17:03.680
<v Speaker 2>is logical. You can't bank on making money back on

0:17:03.720 --> 0:17:06.600
<v Speaker 2>your house. For me, it was about investing in personal

0:17:06.640 --> 0:17:08.639
<v Speaker 2>happiness so that when I came home it was a

0:17:08.640 --> 0:17:11.800
<v Speaker 2>good place, a nice place to be. So that is

0:17:12.240 --> 0:17:14.880
<v Speaker 2>and then that that was how I wound up going

0:17:14.880 --> 0:17:18.440
<v Speaker 2>over budget for the furnishings were not too too over budget,

0:17:19.600 --> 0:17:21.440
<v Speaker 2>And looking back now, I don't know you should do

0:17:21.480 --> 0:17:23.320
<v Speaker 2>the same thing. But looking back now, if there is

0:17:23.359 --> 0:17:29.159
<v Speaker 2>one thing I think I regret spending money on, I

0:17:29.240 --> 0:17:34.560
<v Speaker 2>would say, what can I even say? Can I say

0:17:34.600 --> 0:17:38.919
<v Speaker 2>the hvac? Really? My husband would be like, you're an idiot,

0:17:38.960 --> 0:17:41.439
<v Speaker 2>because that was a really good investment, But I haven't.

0:17:41.560 --> 0:17:43.879
<v Speaker 2>It hasn't been long enough to reap the rewards of

0:17:43.880 --> 0:17:47.120
<v Speaker 2>that yet. Right now. It's just like we swapped out

0:17:47.119 --> 0:17:50.640
<v Speaker 2>the oil for pro pain and I get a five

0:17:50.760 --> 0:17:54.040
<v Speaker 2>hundred dollars pro pain bill once a month now, and

0:17:54.080 --> 0:17:58.199
<v Speaker 2>I'm like, what in the holy hell? So maybe a

0:17:58.200 --> 0:18:01.080
<v Speaker 2>better way to do this is like regret. I do

0:18:01.200 --> 0:18:04.800
<v Speaker 2>regret how expensive the propane bill has been. But what

0:18:05.440 --> 0:18:07.520
<v Speaker 2>maybe what I regret regret is that we did not

0:18:07.680 --> 0:18:13.240
<v Speaker 2>spend the money to have our living room properly insulated. Okay, yeah,

0:18:13.280 --> 0:18:15.639
<v Speaker 2>because what's happening is that we're having to crank the

0:18:15.680 --> 0:18:18.280
<v Speaker 2>heat to keep the living room warm when our bedroom

0:18:18.359 --> 0:18:22.359
<v Speaker 2>is roasting because it was properly insulated. Because everything that

0:18:22.480 --> 0:18:25.960
<v Speaker 2>like knew that we got done, the contractor did insulate properly.

0:18:26.440 --> 0:18:28.639
<v Speaker 2>But the existing living room we didn't think and he

0:18:28.680 --> 0:18:30.600
<v Speaker 2>didn't think to bring it up and no one else did.

0:18:30.640 --> 0:18:32.960
<v Speaker 2>And so it's going to cost us like a couple

0:18:33.000 --> 0:18:35.359
<v Speaker 2>thousand dollars to get blow in insulation.

0:18:35.640 --> 0:18:36.320
<v Speaker 1>Yeah we did.

0:18:36.880 --> 0:18:41.440
<v Speaker 2>Yeah, so that's smart because my husband we did buy

0:18:41.520 --> 0:18:44.080
<v Speaker 2>like extra insulation from home depot and then my husband

0:18:44.080 --> 0:18:46.520
<v Speaker 2>installed it under the like in the crawl space in

0:18:46.560 --> 0:18:48.600
<v Speaker 2>the kitchen, but he couldn't do what he couldn't do,

0:18:49.880 --> 0:18:52.479
<v Speaker 2>So where he put insulation, it's already made a difference.

0:18:52.520 --> 0:18:55.119
<v Speaker 2>But unfortunately our living room is still like an ice box.

0:18:55.720 --> 0:18:58.200
<v Speaker 2>And that's a very roundabout way of saying. Insulation is

0:18:58.240 --> 0:19:02.360
<v Speaker 2>where the real money, say starts, So spend the money

0:19:02.400 --> 0:19:03.320
<v Speaker 2>on insulation if you can.

0:19:04.680 --> 0:19:06.639
<v Speaker 1>And so that's one of the things that it took us.

0:19:06.680 --> 0:19:09.920
<v Speaker 1>So because the house was built in nineteen twenty, they

0:19:09.920 --> 0:19:10.840
<v Speaker 1>were like, what's installation?

0:19:11.480 --> 0:19:14.200
<v Speaker 2>So hold, yeah, like what did they do? My god,

0:19:14.840 --> 0:19:16.560
<v Speaker 2>freezing my ass off over here?

0:19:17.480 --> 0:19:19.040
<v Speaker 1>And so thank for you for reminding about the crows

0:19:19.040 --> 0:19:21.040
<v Speaker 1>because we do have a cross space. Oh, I'm gonna

0:19:21.040 --> 0:19:23.320
<v Speaker 1>say cross space. I'm actually like texting my contractor right

0:19:23.320 --> 0:19:26.200
<v Speaker 1>now because I'm like, ah, I forgot, Like.

0:19:26.160 --> 0:19:28.959
<v Speaker 2>When he based the attic, he did, Yeah, that's how

0:19:29.000 --> 0:19:31.240
<v Speaker 2>I found those sexy books that are former house owners

0:19:31.320 --> 0:19:34.240
<v Speaker 2>left in the left under the house. Oh my god,

0:19:34.560 --> 0:19:37.000
<v Speaker 2>yeah he was. He went under. It's like it's the

0:19:37.040 --> 0:19:39.840
<v Speaker 2>cross space under the kitchen and he just stuck the yep.

0:19:40.359 --> 0:19:42.280
<v Speaker 1>Yeah. And so that's one of the things that like

0:19:42.320 --> 0:19:45.000
<v Speaker 1>our contractor Justin told us. He was like, you know,

0:19:45.160 --> 0:19:47.080
<v Speaker 1>like the house because there's some things that he's doing,

0:19:47.119 --> 0:19:48.640
<v Speaker 1>like you know, we're doing the bathroom, so of course

0:19:48.680 --> 0:19:51.040
<v Speaker 1>he's putting installation, like you said, in those places. But

0:19:51.119 --> 0:19:53.879
<v Speaker 1>he was like, I really suggest because you could feel

0:19:53.880 --> 0:19:55.720
<v Speaker 1>that the house was drafty because you know, it's an

0:19:55.760 --> 0:19:57.960
<v Speaker 1>older house and there's a lot of the original features.

0:19:58.000 --> 0:19:59.639
<v Speaker 1>So we paid it was four thousand dollars.

0:20:00.520 --> 0:20:03.560
<v Speaker 2>Well that's what I'm paying in eight months of the

0:20:03.680 --> 0:20:04.640
<v Speaker 2>dam program bill.

0:20:04.840 --> 0:20:06.720
<v Speaker 1>So and honestly that's why I said, I was like,

0:20:06.720 --> 0:20:08.720
<v Speaker 1>you know what, Tiffany, You'll make this back in the year.

0:20:08.880 --> 0:20:11.720
<v Speaker 1>Like because when we first got in the house and

0:20:11.760 --> 0:20:14.080
<v Speaker 1>the heat was on, like we were like, you know,

0:20:14.280 --> 0:20:15.879
<v Speaker 1>because you know, of course we do walk through whatever

0:20:16.000 --> 0:20:18.600
<v Speaker 1>and it would be chilly. And now when I go in, Mandy,

0:20:18.720 --> 0:20:20.240
<v Speaker 1>it's like and we don't even have all of the

0:20:20.720 --> 0:20:22.919
<v Speaker 1>all of the radiators like plugged up. It's only two

0:20:22.960 --> 0:20:24.399
<v Speaker 1>of them in the house right now that are that

0:20:24.480 --> 0:20:27.159
<v Speaker 1>are on, and the house feels warm, and I'm like,

0:20:27.160 --> 0:20:29.480
<v Speaker 1>you know what, that's if there's anything, it's the best

0:20:29.520 --> 0:20:32.480
<v Speaker 1>four thousand dollars I've ever spent. Now, I am because

0:20:32.480 --> 0:20:34.680
<v Speaker 1>my husband did not want the HVAC system. I'm just

0:20:34.760 --> 0:20:37.320
<v Speaker 1>pray because it was not it was not cheap. I'm

0:20:37.359 --> 0:20:40.640
<v Speaker 1>just praying that it worked, like it's worth it because

0:20:40.720 --> 0:20:44.160
<v Speaker 1>it was really expensive, and I'm like, yikes, I hope

0:20:44.160 --> 0:20:45.640
<v Speaker 1>that we didn't spend all this money and we don't

0:20:45.640 --> 0:20:47.359
<v Speaker 1>really need h back like that, so we'll see.

0:20:47.840 --> 0:20:50.560
<v Speaker 2>Well, it'll be worth it if your insulation's right, because

0:20:50.560 --> 0:20:52.040
<v Speaker 2>then you won't have to use it. But then I'm like,

0:20:52.080 --> 0:20:56.720
<v Speaker 2>then why did we get it? Like yeah, anyway, live

0:20:56.760 --> 0:20:59.080
<v Speaker 2>and learn. We're gonna get that blow in insulation, which

0:20:59.119 --> 0:21:00.840
<v Speaker 2>is what you can do if you you don't want

0:21:00.840 --> 0:21:02.840
<v Speaker 2>to take all your walls down. You can just they

0:21:02.920 --> 0:21:04.600
<v Speaker 2>poke little holes in the outside of the house and

0:21:05.160 --> 0:21:05.560
<v Speaker 2>blow it in.

0:21:05.640 --> 0:21:08.040
<v Speaker 1>Yeah, you put it like on the exterior walls, and

0:21:08.080 --> 0:21:09.560
<v Speaker 1>so it's like it's weird to see like all the

0:21:09.560 --> 0:21:11.560
<v Speaker 1>holes like popo po po po. But yeah, it's it

0:21:11.680 --> 0:21:13.879
<v Speaker 1>makes a huge difference, just to make sure that whoever

0:21:13.920 --> 0:21:15.520
<v Speaker 1>does it for you that you really like pack it in,

0:21:15.720 --> 0:21:17.000
<v Speaker 1>pack it in, you.

0:21:16.920 --> 0:21:19.399
<v Speaker 2>Know, because this has been a really cold It hasn't

0:21:19.400 --> 0:21:21.399
<v Speaker 2>been a snowy winter, but it's been pretty cold the

0:21:21.440 --> 0:21:26.200
<v Speaker 2>past couple of months. Yeah. Man, those bills are no joke.

0:21:26.440 --> 0:21:29.040
<v Speaker 2>And that's why, you know. And at this point, I'm

0:21:29.080 --> 0:21:31.199
<v Speaker 2>just like fatigued from spending money on the house that

0:21:31.240 --> 0:21:33.040
<v Speaker 2>I'm just like, can we go on vacation. I don't

0:21:33.080 --> 0:21:34.840
<v Speaker 2>care about an installation right now, just can we go

0:21:34.880 --> 0:21:37.439
<v Speaker 2>on a vacation. I'm tired of spending money and you know,

0:21:38.040 --> 0:21:41.400
<v Speaker 2>I don't know, just on house stuff. So it's a constant,

0:21:41.760 --> 0:21:45.040
<v Speaker 2>constant battle, but overall happy and you'll be You'll be

0:21:45.080 --> 0:21:45.520
<v Speaker 2>there soon.

0:21:46.200 --> 0:22:24.280
<v Speaker 1>Yeah, I can't wait. And now it's time to take

0:22:24.400 --> 0:22:29.680
<v Speaker 1>questions from all our family b r o wn and this.

0:22:30.640 --> 0:22:33.800
<v Speaker 1>Oh okay, every once a while, you I get the

0:22:33.880 --> 0:22:37.680
<v Speaker 1>little town you know, Okay Whitney, you know Whitney from Newark,

0:22:37.760 --> 0:22:39.680
<v Speaker 1>so you know there's a little something there happening. There's

0:22:39.680 --> 0:22:43.600
<v Speaker 1>a little synergy. So it is time for question owns,

0:22:44.320 --> 0:22:47.879
<v Speaker 1>Question Owned. We have some really great questions. Super excited

0:22:48.640 --> 0:22:52.320
<v Speaker 1>before we start questions next week is it's our tax

0:22:52.440 --> 0:22:57.800
<v Speaker 1>episode and it's going to be awesome, Like just because

0:22:58.000 --> 0:23:00.160
<v Speaker 1>we have this awesome guest. Her name is Terry's can

0:23:00.240 --> 0:23:04.360
<v Speaker 1>tell she is amazing. She's an expert inside my literature academy.

0:23:04.400 --> 0:23:09.840
<v Speaker 1>But honestly I met her because her tax videos were

0:23:09.880 --> 0:23:13.160
<v Speaker 1>going viral, not just in my DreamCatcher group on Facebook,

0:23:13.160 --> 0:23:16.800
<v Speaker 1>but just on online. Because she is smart, she is savvy,

0:23:16.880 --> 0:23:19.159
<v Speaker 1>and she is brilliant when it comes to taxes. So

0:23:19.200 --> 0:23:21.320
<v Speaker 1>we're excited to have her on. So if you have

0:23:21.400 --> 0:23:23.880
<v Speaker 1>cool questions about your taxes, and you know you do

0:23:24.480 --> 0:23:26.400
<v Speaker 1>because you hit me with them and I'm like, Who'll

0:23:26.440 --> 0:23:29.359
<v Speaker 1>see who's the CBA not I. I'm the budget lista,

0:23:29.600 --> 0:23:32.000
<v Speaker 1>not the tax anista. So you can send them in

0:23:32.119 --> 0:23:34.639
<v Speaker 1>so Terry can answer them at.

0:23:34.280 --> 0:23:36.680
<v Speaker 2>Brand Ambition Podcast at gmail dot com.

0:23:36.480 --> 0:23:39.560
<v Speaker 1>Dot com, or you can go to brannibisionpodcast dot com

0:23:39.560 --> 0:23:42.040
<v Speaker 1>and click ask us anything is it? Ask us anything.

0:23:42.280 --> 0:23:44.200
<v Speaker 2>It is ask us anything? Yep, I mean know what?

0:23:44.320 --> 0:23:44.639
<v Speaker 3>Thanks?

0:23:44.680 --> 0:23:46.520
<v Speaker 1>Okay, so let this get these questions pop? And what

0:23:46.600 --> 0:23:47.919
<v Speaker 1>we have in the question box?

0:23:48.200 --> 0:23:50.080
<v Speaker 2>Cool? So we gotta ooh, we got a quest We

0:23:50.119 --> 0:23:54.440
<v Speaker 2>gotta have a little question from a fellow Uga grad. So, hello, Deja.

0:23:55.000 --> 0:23:57.040
<v Speaker 2>I love that name. Danger reminds me of the actress

0:23:57.040 --> 0:23:57.959
<v Speaker 2>from This is Us.

0:23:58.240 --> 0:23:59.280
<v Speaker 1>Oh I like that name too.

0:24:00.000 --> 0:24:04.199
<v Speaker 2>Okay, Desa, So fellow Georgia Bulldog says, my name is

0:24:04.240 --> 0:24:06.639
<v Speaker 2>Desa and I'm emailing to ask for help finding a

0:24:06.680 --> 0:24:09.240
<v Speaker 2>new bank. I'm recently engaged in my fiance and I

0:24:09.320 --> 0:24:11.399
<v Speaker 2>are looking for a bank to start our joint checking

0:24:11.440 --> 0:24:14.840
<v Speaker 2>and savings accounts. Brave women, we'd like to bank. We'd

0:24:14.840 --> 0:24:17.840
<v Speaker 2>like a bank with no fees, has modern technology like

0:24:17.920 --> 0:24:22.280
<v Speaker 2>online banking, online deposits, and many ATM locations, and could

0:24:22.359 --> 0:24:25.560
<v Speaker 2>become a borrowing resource when we look to purchase a home.

0:24:25.880 --> 0:24:29.640
<v Speaker 2>I love the podcast and go dogs yay Desa ew

0:24:30.520 --> 0:24:34.840
<v Speaker 2>so must be a new listener, because I.

0:24:34.800 --> 0:24:37.520
<v Speaker 1>Was gonna say, first of all, Desa got her list.

0:24:37.560 --> 0:24:38.600
<v Speaker 1>You know, like when you're like this is the kind

0:24:38.600 --> 0:24:40.320
<v Speaker 1>of man on one to date, You're like, girl, good luck.

0:24:45.560 --> 0:24:49.080
<v Speaker 2>These banks exist luckily. Well, here's the thing. So online

0:24:49.200 --> 0:24:52.280
<v Speaker 2>if you want like modern technology and no fees, online

0:24:52.320 --> 0:24:54.639
<v Speaker 2>banks are the way to go. When you get an

0:24:54.680 --> 0:24:57.919
<v Speaker 2>online bank, you're banking with the institution that doesn't need

0:24:57.960 --> 0:25:00.080
<v Speaker 2>to spend a lot of money on people and like

0:25:00.320 --> 0:25:05.399
<v Speaker 2>locations like light bills and electricity for brick and mortar locations,

0:25:05.440 --> 0:25:09.000
<v Speaker 2>so they're able to actually pass all that savings onto customers,

0:25:09.040 --> 0:25:12.680
<v Speaker 2>and they typically have, typically not always have higher rates

0:25:12.760 --> 0:25:15.120
<v Speaker 2>on their savings accounts, which is great if you're looking

0:25:15.119 --> 0:25:17.240
<v Speaker 2>to save with your fiance for your wedding or for

0:25:17.320 --> 0:25:20.159
<v Speaker 2>your future house. They also offer higher rates a lot

0:25:20.200 --> 0:25:22.480
<v Speaker 2>time a lot of times on CDs, and because they're

0:25:22.520 --> 0:25:24.560
<v Speaker 2>online only, they kind of have to have an awesome

0:25:24.600 --> 0:25:28.280
<v Speaker 2>website and an awesome app, otherwise people wouldn't bank with them.

0:25:28.840 --> 0:25:32.320
<v Speaker 2>What they don't always have is a lot of ATM locations,

0:25:33.400 --> 0:25:36.560
<v Speaker 2>but some banks make up for in a couple of ways.

0:25:36.640 --> 0:25:41.119
<v Speaker 2>Either they tap into all Point like these all Point

0:25:41.160 --> 0:25:43.840
<v Speaker 2>is one of the ATM networks that's like thirty thousand ATMs.

0:25:43.840 --> 0:25:45.720
<v Speaker 2>They're like the ones you see at drug stores and

0:25:45.760 --> 0:25:51.320
<v Speaker 2>sometimes bodegas or convenience stores, and they'll tap into that

0:25:51.359 --> 0:25:53.080
<v Speaker 2>network and say as long as you use one of

0:25:53.119 --> 0:25:57.520
<v Speaker 2>these all point ATMs, then there's no fee. And otherwise

0:25:57.720 --> 0:26:00.360
<v Speaker 2>they may offer to reimburse you. If you do use

0:26:00.400 --> 0:26:02.960
<v Speaker 2>an ATM and you get charged that like two dollars

0:26:02.960 --> 0:26:06.040
<v Speaker 2>three dollars fee, they may offer to reimburse you, you know,

0:26:06.119 --> 0:26:09.480
<v Speaker 2>fifteen dollars a month or ten dollars a month to

0:26:09.840 --> 0:26:13.119
<v Speaker 2>take that staying out of it. So I'd recommend an

0:26:13.160 --> 0:26:15.600
<v Speaker 2>online bank. And there's actually, you know, I used to

0:26:15.600 --> 0:26:17.280
<v Speaker 2>have a favorite. I mean I still do. I bank

0:26:17.280 --> 0:26:20.359
<v Speaker 2>with Ally Personally me too, both we're both fans of

0:26:20.359 --> 0:26:23.000
<v Speaker 2>Ally and I got my mortgage through them, So they're awesome,

0:26:23.040 --> 0:26:25.000
<v Speaker 2>and they're not a sponsored you know, not just as

0:26:25.080 --> 0:26:28.439
<v Speaker 2>free advertising for Ally. However, they have some competition. There

0:26:28.480 --> 0:26:31.000
<v Speaker 2>are a lot of new online banks out there, so

0:26:31.119 --> 0:26:34.320
<v Speaker 2>I'll drop a link to our We update our monthly

0:26:34.520 --> 0:26:38.400
<v Speaker 2>roundup of best online bank accounts, best online savings accounts

0:26:38.440 --> 0:26:42.080
<v Speaker 2>every month, so it's always popping with like new accounts.

0:26:42.119 --> 0:26:44.640
<v Speaker 2>And there's a new account now called Varo Bank, which

0:26:44.680 --> 0:26:47.680
<v Speaker 2>is brand new and they're offering really competitive rates. They're simple,

0:26:48.160 --> 0:26:51.240
<v Speaker 2>that's been around for a while. They're a new bank.

0:26:51.440 --> 0:26:55.800
<v Speaker 2>Marcus we have Marcus by goldmuth Sachs. They offer personal

0:26:55.880 --> 0:26:58.880
<v Speaker 2>loans and also I will leave a deposit account product,

0:26:59.200 --> 0:27:03.440
<v Speaker 2>so FI even has a checking account. Now there's there's

0:27:03.560 --> 0:27:04.560
<v Speaker 2>tons out there, so.

0:27:05.119 --> 0:27:06.920
<v Speaker 1>Even Acorns, I think it's getting in the game. And

0:27:06.960 --> 0:27:10.440
<v Speaker 1>you know, Acorns was typically like an investment like kind

0:27:10.440 --> 0:27:12.600
<v Speaker 1>of like online product, but I heard that they're getting

0:27:12.640 --> 0:27:13.840
<v Speaker 1>like a regular bank account too.

0:27:14.400 --> 0:27:18.520
<v Speaker 2>Yeah, tons of options, so there's no excuse to to

0:27:18.600 --> 0:27:21.160
<v Speaker 2>not have a good a good bank with great rates

0:27:21.160 --> 0:27:23.159
<v Speaker 2>and low fees. So good luck de Asia.

0:27:23.320 --> 0:27:25.360
<v Speaker 1>Yes, and I honestly I like a bank mix. I'm

0:27:25.359 --> 0:27:27.439
<v Speaker 1>not gonna lie. I like the big bank for like

0:27:27.520 --> 0:27:29.359
<v Speaker 1>you know, because I do travel a lot, so meaning

0:27:29.400 --> 0:27:32.000
<v Speaker 1>like you know, the traditional big old banks those who

0:27:32.040 --> 0:27:34.399
<v Speaker 1>will not name because they're mostly terrible, but still I

0:27:34.440 --> 0:27:36.399
<v Speaker 1>mean I need to be able to have access, and

0:27:36.440 --> 0:27:38.639
<v Speaker 1>I also like to have my online bank ally who

0:27:38.720 --> 0:27:41.800
<v Speaker 1>I love, hey with your purple self. And then I

0:27:41.840 --> 0:27:45.560
<v Speaker 1>do have a relationship with a credit union where I

0:27:45.640 --> 0:27:47.400
<v Speaker 1>might just have a little bit of like savings there

0:27:47.440 --> 0:27:51.520
<v Speaker 1>so that way I can potentially look into competitive borring rates.

0:27:51.560 --> 0:27:54.679
<v Speaker 1>So I like a three bank mix, credit union, traditional

0:27:54.680 --> 0:27:57.119
<v Speaker 1>big bank where I have my checking and then I

0:27:57.240 --> 0:27:59.840
<v Speaker 1>keep my savings at my online only bank. So don't

0:27:59.880 --> 0:28:01.240
<v Speaker 1>be afraid to have a little bit of a mix

0:28:01.280 --> 0:28:02.960
<v Speaker 1>of if you know, if you're open to that as well.

0:28:03.720 --> 0:28:05.440
<v Speaker 2>Yeah, that's a good point. I haven't used your credit

0:28:05.520 --> 0:28:08.240
<v Speaker 2>union in a while. Ever since Georgetelcode credit Union screwed

0:28:08.240 --> 0:28:11.280
<v Speaker 2>me over and hold my fifty dollars hostage. I want

0:28:11.280 --> 0:28:14.639
<v Speaker 2>it back, to get it back when I remember my

0:28:14.880 --> 0:28:19.000
<v Speaker 2>damn code for the phone. Okay, it's been eleven years,

0:28:19.440 --> 0:28:20.520
<v Speaker 2>but I have hope.

0:28:21.240 --> 0:28:23.440
<v Speaker 1>I bet you that fifty dollars is now fifty five. Girl,

0:28:23.480 --> 0:28:24.080
<v Speaker 1>get your money.

0:28:26.160 --> 0:28:29.280
<v Speaker 2>Okay, thank you Dasah for your question. Here's another question

0:28:29.359 --> 0:28:32.160
<v Speaker 2>from listener who wants to go by the name Gertrude.

0:28:32.880 --> 0:28:36.000
<v Speaker 2>Very bold of you, Gertrude. We'll go with that. So

0:28:36.160 --> 0:28:38.920
<v Speaker 2>Gertrude says, I got to meet Tiffany once at a

0:28:39.000 --> 0:28:42.360
<v Speaker 2>mass women's conference. Not sure if she remembers, but I

0:28:42.400 --> 0:28:44.240
<v Speaker 2>took some photos of her while she was presenting and

0:28:44.240 --> 0:28:48.240
<v Speaker 2>sent them to her. Hatis, Hey, I do remember, Gertrude.

0:28:48.320 --> 0:28:49.400
<v Speaker 2>You remember Gertrude?

0:28:49.440 --> 0:28:52.000
<v Speaker 1>Well, I don't. Well, I remember, like you know, the conference,

0:28:52.040 --> 0:28:53.680
<v Speaker 1>and I remember that there was someone who like I

0:28:53.680 --> 0:28:56.520
<v Speaker 1>always picked, like my one buddy in the audience. I'm like, ooh,

0:28:56.520 --> 0:28:57.920
<v Speaker 1>can you take pictures of me on stage and send

0:28:57.920 --> 0:29:00.000
<v Speaker 1>it to me so I remember that. Yeah, pay Gertrude.

0:29:00.160 --> 0:29:04.840
<v Speaker 2>Very clever outsourcing photography. So here's Gertrude's question. Let's get

0:29:04.840 --> 0:29:07.880
<v Speaker 2>to get to the business here. Gertrude says, my boyfriend

0:29:07.920 --> 0:29:09.680
<v Speaker 2>and I are paying off a large amount of debt

0:29:09.720 --> 0:29:12.240
<v Speaker 2>in the next two years. The episode where you had

0:29:12.240 --> 0:29:14.320
<v Speaker 2>the couple on that paid a ton of debt really

0:29:14.320 --> 0:29:16.440
<v Speaker 2>inspired us to get our butts into gear this year.

0:29:16.600 --> 0:29:18.280
<v Speaker 2>Oh that's a good one. Faith in Leo. I think

0:29:18.280 --> 0:29:20.200
<v Speaker 2>we aired that last June. Go check it out. It's

0:29:20.200 --> 0:29:23.200
<v Speaker 2>a great show. She says. We are planning on getting

0:29:23.200 --> 0:29:25.440
<v Speaker 2>married and we want to get our finances together before

0:29:25.480 --> 0:29:29.080
<v Speaker 2>we do. Here's what we need help deciding. His credit

0:29:29.120 --> 0:29:31.720
<v Speaker 2>history is not that long. He opened a credit card

0:29:31.800 --> 0:29:34.600
<v Speaker 2>three years ago and his credit history in total is

0:29:34.760 --> 0:29:38.320
<v Speaker 2>six years old. My boyfriend only has two credit cards

0:29:38.360 --> 0:29:41.680
<v Speaker 2>in total, and his current utilization rate is eighty eight percent.

0:29:42.320 --> 0:29:45.400
<v Speaker 2>We know, yikes, we are paying on all that credit card.

0:29:45.560 --> 0:29:47.239
<v Speaker 2>We are paying on that credit card with all that

0:29:47.320 --> 0:29:50.080
<v Speaker 2>debt as we speak, though, the problem is that his

0:29:50.160 --> 0:29:53.240
<v Speaker 2>first credit card, which he doesn't use charges him eight

0:29:53.280 --> 0:29:55.920
<v Speaker 2>dollars a month, and it's a crappy card, not like

0:29:56.360 --> 0:29:58.720
<v Speaker 2>a card where you get rewards. I know it doesn't

0:29:58.720 --> 0:30:00.600
<v Speaker 2>seem like a lot, but that's ninety six dollars a

0:30:00.680 --> 0:30:03.480
<v Speaker 2>year for a credit card. Do you think he should

0:30:03.480 --> 0:30:06.000
<v Speaker 2>close that card or will it hurt his credit credit

0:30:06.040 --> 0:30:08.360
<v Speaker 2>score too much? I know you said not to worry

0:30:08.360 --> 0:30:10.840
<v Speaker 2>too much about credit scores unless you're buying a home soon,

0:30:11.280 --> 0:30:14.240
<v Speaker 2>but we found ourselves in situations recently, like leasing a

0:30:14.280 --> 0:30:17.120
<v Speaker 2>car where a credit score does matter.

0:30:19.440 --> 0:30:23.040
<v Speaker 1>Gertrude Girl. First of all, yay, getting getting boo together.

0:30:23.160 --> 0:30:25.160
<v Speaker 1>That's what I did. You know, me and manager both

0:30:25.160 --> 0:30:27.480
<v Speaker 1>did that with our booths ahead of time. You know

0:30:27.640 --> 0:30:33.200
<v Speaker 1>some such you know, build that husband. But so for Superman,

0:30:34.120 --> 0:30:37.720
<v Speaker 1>he too didn't have a long credit history. He too

0:30:37.880 --> 0:30:40.360
<v Speaker 1>had a utilization that was like I think his was

0:30:40.360 --> 0:30:44.800
<v Speaker 1>like ninety percent. And so sometimes you have to decide

0:30:44.800 --> 0:30:46.400
<v Speaker 1>when are you going to take the l You want

0:30:46.440 --> 0:30:47.600
<v Speaker 1>to take it now, you want to take it later.

0:30:48.400 --> 0:30:50.920
<v Speaker 1>It's typically better to take it now, meaning pay off

0:30:50.920 --> 0:30:54.360
<v Speaker 1>that card and get rid of it, because you know,

0:30:54.480 --> 0:30:57.560
<v Speaker 1>you the thing is your credit score. You have to

0:30:57.560 --> 0:30:59.760
<v Speaker 1>think about it as your GPA. It is an average

0:30:59.800 --> 0:31:04.080
<v Speaker 1>of your financial financial choices as it relates to credit.

0:31:04.400 --> 0:31:09.000
<v Speaker 1>But really they really take into consideration really the last

0:31:09.040 --> 0:31:12.200
<v Speaker 1>two years, you know. So if you're thinking you're gonna

0:31:12.200 --> 0:31:13.680
<v Speaker 1>get married in like two years, that means you have

0:31:13.680 --> 0:31:16.680
<v Speaker 1>two years to rebuild whatever that dropping credit might be

0:31:16.760 --> 0:31:20.520
<v Speaker 1>by losing that card, and then that's ninety six dollars

0:31:20.560 --> 0:31:22.760
<v Speaker 1>times two years that you can pocket. So I would

0:31:22.800 --> 0:31:25.000
<v Speaker 1>get rid of that card. It's not worth it to

0:31:25.120 --> 0:31:27.800
<v Speaker 1>keep it because you're worried about length of credit history.

0:31:29.040 --> 0:31:31.120
<v Speaker 1>It's just not because you know ten years from now

0:31:31.280 --> 0:31:33.160
<v Speaker 1>you don't want to. You know, that's like a thousand

0:31:33.240 --> 0:31:35.680
<v Speaker 1>dollars for what you know versus like take the dip

0:31:36.120 --> 0:31:38.920
<v Speaker 1>and you know, do right by his credit and he

0:31:39.000 --> 0:31:41.240
<v Speaker 1>will he will bring those points back pretty quickly.

0:31:41.720 --> 0:31:45.000
<v Speaker 2>Yeah, I mean it sounds eighty eight percent utilization is

0:31:45.000 --> 0:31:49.920
<v Speaker 2>what I'm like bugging my eyes out about here. No,

0:31:49.960 --> 0:31:52.760
<v Speaker 2>I mean eighty eight percent. I mean that is that'll

0:31:52.760 --> 0:31:55.560
<v Speaker 2>really drag a score down. And if you're looking at like,

0:31:55.560 --> 0:31:57.160
<v Speaker 2>like you said, leasing a car, when you're doing things

0:31:57.200 --> 0:32:00.600
<v Speaker 2>together as a couple, that's when you're his you're you know,

0:32:00.640 --> 0:32:03.560
<v Speaker 2>you're only as strong as your weakest link. Credit wise

0:32:03.600 --> 0:32:05.720
<v Speaker 2>when you're looking at doing things together. So it's good

0:32:05.720 --> 0:32:09.320
<v Speaker 2>that you're working on improving your credit together and definitely

0:32:09.880 --> 0:32:14.200
<v Speaker 2>help him pay that down, like Tiff said, yeah, it's

0:32:14.200 --> 0:32:14.640
<v Speaker 2>a good tip.

0:32:17.080 --> 0:32:19.120
<v Speaker 1>May me know, it's sometimes it's hard, like you know,

0:32:19.200 --> 0:32:22.720
<v Speaker 1>I feel like it's so crazy now that so many

0:32:23.400 --> 0:32:26.120
<v Speaker 1>like I get so many more relationship questions now, whereas

0:32:26.160 --> 0:32:31.120
<v Speaker 1>before I used to be like I don't know, like so,

0:32:31.320 --> 0:32:34.160
<v Speaker 1>but it's just great because now, I mean I would

0:32:34.160 --> 0:32:37.160
<v Speaker 1>give advice before from a space of like I think

0:32:37.200 --> 0:32:39.040
<v Speaker 1>this is the best, you know, way to go about it,

0:32:39.040 --> 0:32:40.479
<v Speaker 1>and now I'm like, oh, I tried it, that does

0:32:40.560 --> 0:32:45.280
<v Speaker 1>not work, and this is what's working currently. But Superman

0:32:45.320 --> 0:32:48.560
<v Speaker 1>and I are still navigating you know, money and marriage

0:32:48.560 --> 0:32:51.520
<v Speaker 1>and money and relationships, and there's something that we're doing

0:32:51.520 --> 0:32:54.280
<v Speaker 1>that's totally working well or if they were, and then

0:32:54.320 --> 0:32:58.000
<v Speaker 1>a year later it's like, yeah, not so much. So

0:32:58.120 --> 0:33:00.760
<v Speaker 1>we still you know, it's a work in progress. And

0:33:00.800 --> 0:33:02.320
<v Speaker 1>I just feel like you have to find the right

0:33:02.360 --> 0:33:04.800
<v Speaker 1>mix for you about what works for you and your relationship.

0:33:05.520 --> 0:33:07.840
<v Speaker 2>The hardest thing for us is when talking when to

0:33:07.880 --> 0:33:10.520
<v Speaker 2>talk about things, I mean I want to talk about

0:33:10.560 --> 0:33:12.960
<v Speaker 2>I can talk about it anytime, in bed, in the car,

0:33:13.200 --> 0:33:17.920
<v Speaker 2>eating dinner, whatever, and he's like, I you know, you know,

0:33:18.000 --> 0:33:20.440
<v Speaker 2>he's just more particular about when we talk about money.

0:33:20.840 --> 0:33:23.400
<v Speaker 2>And it's really hard when like you have you feel

0:33:23.400 --> 0:33:25.040
<v Speaker 2>like what you're saying, what you have to say is

0:33:25.040 --> 0:33:26.600
<v Speaker 2>the most important thing ever, and the fact that they

0:33:26.640 --> 0:33:28.120
<v Speaker 2>don't want to talk about it right now is like

0:33:28.200 --> 0:33:31.040
<v Speaker 2>the rudest thing ever. But we've had to work on

0:33:31.160 --> 0:33:35.760
<v Speaker 2>like scheduling certain times to have the discussion because he doesn't.

0:33:35.560 --> 0:33:38.080
<v Speaker 2>He tends to feel ambushed, and you know, I have

0:33:38.120 --> 0:33:42.120
<v Speaker 2>a strong personality, so me he's like, He's like, I

0:33:42.160 --> 0:33:44.240
<v Speaker 2>literally just got home and you just pounced on me.

0:33:44.280 --> 0:33:45.960
<v Speaker 2>And you're like, but this isn't that what.

0:33:45.920 --> 0:33:46.360
<v Speaker 1>Are we gonna do?

0:33:46.400 --> 0:33:48.360
<v Speaker 2>And we retire? Blah blah blah. Now today I was

0:33:48.360 --> 0:33:50.360
<v Speaker 2>hounding him about a state planning with his parents and he's like,

0:33:50.360 --> 0:33:51.440
<v Speaker 2>can you just relax?

0:33:53.240 --> 0:33:55.840
<v Speaker 1>So, you know, it's it's hard because like I'll look

0:33:56.080 --> 0:33:57.520
<v Speaker 1>like like I was looking at the bills of county

0:33:57.480 --> 0:33:59.960
<v Speaker 1>the other day and I saw like, withdraw twenty dollars,

0:34:00.000 --> 0:34:01.959
<v Speaker 1>with draw twenty dogs, with draw thirty. I was like,

0:34:02.400 --> 0:34:04.760
<v Speaker 1>so I add it up, you know, in petty fashion,

0:34:05.160 --> 0:34:08.920
<v Speaker 1>and I was like, cause, since since January, you've withdrawn

0:34:09.400 --> 0:34:13.160
<v Speaker 1>two hundred dollars, what's happening? And because see, I'm the

0:34:13.200 --> 0:34:15.400
<v Speaker 1>type you know when it comes to my finding, Like

0:34:15.400 --> 0:34:18.080
<v Speaker 1>if I would draw money from like our joint checking

0:34:18.120 --> 0:34:20.600
<v Speaker 1>account for Bill, I put a note. I'm like, oh,

0:34:20.640 --> 0:34:22.480
<v Speaker 1>for groceries for a gat you know what I mean,

0:34:22.480 --> 0:34:24.960
<v Speaker 1>because like that's what that account is for. But he doesn't,

0:34:25.400 --> 0:34:27.759
<v Speaker 1>and so he's like, oh, I think I was gas

0:34:27.840 --> 0:34:30.000
<v Speaker 1>that day. I think I was. I'm like, you think,

0:34:30.120 --> 0:34:36.160
<v Speaker 1>what are you now? So he definitely he definitely right.

0:34:36.160 --> 0:34:38.239
<v Speaker 1>He definitely did the look and walk away, which is.

0:34:38.160 --> 0:34:40.760
<v Speaker 2>Like yankes my bad because you look like the accountant

0:34:40.800 --> 0:34:41.920
<v Speaker 2>all of a sudden, I was.

0:34:42.080 --> 0:34:44.319
<v Speaker 1>And I was like, I'm sorry, babe, and he's like, no,

0:34:44.480 --> 0:34:46.279
<v Speaker 1>you're right, Like I could see looking at I mean,

0:34:46.320 --> 0:34:48.479
<v Speaker 1>it wasn't like a ton he's I could see looking

0:34:48.480 --> 0:34:51.640
<v Speaker 1>at it, being like, you know, it's small increments, so

0:34:51.680 --> 0:34:53.839
<v Speaker 1>it's not about the amount, but it's like I want

0:34:53.840 --> 0:34:55.840
<v Speaker 1>to know, like what is it for? What is it for?

0:34:56.040 --> 0:34:57.600
<v Speaker 1>And he was like, I'm going to do better by

0:34:57.600 --> 0:35:00.680
<v Speaker 1>putting notes by things. He's like, didn't thing is right

0:35:00.680 --> 0:35:04.319
<v Speaker 1>there when it says transfer amount news, so I'll put

0:35:04.320 --> 0:35:06.080
<v Speaker 1>a note so that way we're all on the same page.

0:35:06.080 --> 0:35:07.600
<v Speaker 1>And I was like, thank you, and I'm sorry for

0:35:07.640 --> 0:35:10.960
<v Speaker 1>being a little pushy about it. He was like, thank you.

0:35:12.239 --> 0:35:15.680
<v Speaker 2>That sounds sounds exactly like what the conversation went like.

0:35:16.320 --> 0:35:18.240
<v Speaker 2>It sounds very accurate.

0:35:19.600 --> 0:35:22.759
<v Speaker 1>But you know, I'm learning because I too can be

0:35:22.840 --> 0:35:25.719
<v Speaker 1>a little pushy, especially when it comes to the money part,

0:35:25.760 --> 0:35:29.520
<v Speaker 1>you know. And so yeah, and I'm also very dramatic

0:35:29.520 --> 0:35:33.200
<v Speaker 1>because I'm like, well, this that's gonna be twenty dollars

0:35:33.239 --> 0:35:36.080
<v Speaker 1>can be two hundred and two thousand and two hundred thousand.

0:35:36.239 --> 0:35:37.759
<v Speaker 3>What are we gonna do if you would talk to

0:35:37.920 --> 0:35:39.880
<v Speaker 3>He's like, what are you talking about?

0:35:41.000 --> 0:35:44.000
<v Speaker 1>And then later I'm like, oh, it was a little

0:35:44.000 --> 0:35:47.000
<v Speaker 1>bit much. So I'm trying to learn how that I

0:35:47.000 --> 0:35:48.680
<v Speaker 1>can bring something up, but we could talk about it

0:35:48.680 --> 0:35:50.120
<v Speaker 1>and it doesn't have to be the end of the world,

0:35:50.120 --> 0:35:51.800
<v Speaker 1>because twenty dollars is not the end of the world.

0:35:52.239 --> 0:35:53.600
<v Speaker 1>And likely he brought me lunch.

0:35:53.760 --> 0:35:55.600
<v Speaker 2>You know, I don't know. I'm with you, it could

0:35:55.640 --> 0:35:57.920
<v Speaker 2>be the end of the world. I'm not bad. I

0:35:57.920 --> 0:36:00.480
<v Speaker 2>will just instigate you. I'm like, but what if he

0:36:00.600 --> 0:36:03.279
<v Speaker 2>spent two thousand dollars and what if it was what?

0:36:03.880 --> 0:36:07.480
<v Speaker 1>Yeah, I without my knowledge, I'm like, that's not happy.

0:36:07.560 --> 0:36:09.960
<v Speaker 1>So I mean it's hard, Like I said, it's navigating

0:36:09.960 --> 0:36:13.000
<v Speaker 1>that it's you know, you work on the tone, you

0:36:13.040 --> 0:36:16.640
<v Speaker 1>work on timing, you work on approach, and so everyone's

0:36:16.719 --> 0:36:19.319
<v Speaker 1>kind of different of how best it is to talk

0:36:19.320 --> 0:36:23.680
<v Speaker 1>about something. So yeah, good luck to you, Gertrude, and

0:36:23.719 --> 0:36:24.680
<v Speaker 1>thanks for the pictures.

0:36:25.000 --> 0:36:27.360
<v Speaker 2>Thank you. And that was actually a good segue to

0:36:27.440 --> 0:36:30.160
<v Speaker 2>another question that we have from what is this lovely

0:36:30.200 --> 0:36:33.839
<v Speaker 2>listener's name? Oh want to be anonymous. So she has

0:36:33.840 --> 0:36:35.960
<v Speaker 2>a tax question. I'm gonna save that for next week's

0:36:36.040 --> 0:36:39.680
<v Speaker 2>tax episode with our tax expert Terry. But her second

0:36:39.760 --> 0:36:41.759
<v Speaker 2>question is she wants to know how do how does

0:36:41.840 --> 0:36:44.920
<v Speaker 2>each of us track our expenses? She's curious as to

0:36:45.000 --> 0:36:46.839
<v Speaker 2>how we budget. So since we're just talking about that,

0:36:48.120 --> 0:36:50.440
<v Speaker 2>I don't have I probably should do a better job

0:36:51.200 --> 0:36:55.640
<v Speaker 2>tracking my expenses because I feel like, definitely when it

0:36:55.640 --> 0:37:00.000
<v Speaker 2>comes to I haven't updated my Here's here's my frustration

0:37:00.200 --> 0:37:02.920
<v Speaker 2>with those tools like MINT and Personal capital and stuff.

0:37:03.280 --> 0:37:06.279
<v Speaker 2>It's like they don't categorize stuff the right way all

0:37:06.280 --> 0:37:07.920
<v Speaker 2>the time, and I feel like it takes me so

0:37:08.040 --> 0:37:10.080
<v Speaker 2>much work to go in and say, no, that wasn't

0:37:10.120 --> 0:37:12.200
<v Speaker 2>a drug store charge, it was a gift, or no,

0:37:12.320 --> 0:37:16.040
<v Speaker 2>that wasn't a healthcare charge, it was a utility bill.

0:37:16.480 --> 0:37:18.759
<v Speaker 2>And what I want to know is I just want

0:37:18.800 --> 0:37:20.319
<v Speaker 2>someone to tell me how much did we spend on

0:37:20.360 --> 0:37:23.120
<v Speaker 2>food last month? And how much did we spend, you know,

0:37:23.200 --> 0:37:25.480
<v Speaker 2>at the drug store and on gas. And I don't

0:37:25.520 --> 0:37:28.279
<v Speaker 2>feel like these apps, they just take too much work

0:37:28.320 --> 0:37:30.680
<v Speaker 2>to do. But that's kind of me just whining. I

0:37:30.719 --> 0:37:33.600
<v Speaker 2>should still maybe take the time to go and look

0:37:33.719 --> 0:37:37.920
<v Speaker 2>because I know our spending because the house loosened us

0:37:38.000 --> 0:37:39.799
<v Speaker 2>up to spending in a way, we haven't been loose

0:37:39.840 --> 0:37:42.320
<v Speaker 2>in a while, and I have to, like, like recently,

0:37:42.320 --> 0:37:45.080
<v Speaker 2>I've had to check ourselves, like I shouldn't be spending

0:37:45.120 --> 0:37:48.160
<v Speaker 2>my entire paycheck, you know, that's not I should be

0:37:48.239 --> 0:37:50.200
<v Speaker 2>saving part of it. And I feel like we haven't.

0:37:50.440 --> 0:37:53.400
<v Speaker 2>We've gotten out of that habit of reserve because I

0:37:53.480 --> 0:37:56.839
<v Speaker 2>used to live off fifty percent of my paycheck and

0:37:56.880 --> 0:37:59.040
<v Speaker 2>that was enough to pay for everything, you know, and

0:37:59.080 --> 0:38:02.319
<v Speaker 2>then save the rest plus whatever my husband brought home.

0:38:02.600 --> 0:38:05.360
<v Speaker 2>And that's not the case lately. And I'm trying to

0:38:05.360 --> 0:38:07.200
<v Speaker 2>get us back on track in that.

0:38:07.160 --> 0:38:10.200
<v Speaker 1>Way, No, I go, So I'm going to call the listener. Maria. Yes, Maria,

0:38:10.239 --> 0:38:12.839
<v Speaker 1>and I agree Mandy that something about a house, because

0:38:12.840 --> 0:38:14.640
<v Speaker 1>you and I think are very similar and that we're

0:38:14.680 --> 0:38:16.439
<v Speaker 1>like a little bit on the tight side. But there's

0:38:16.440 --> 0:38:18.880
<v Speaker 1>nothing wrong with that, but like that house will have

0:38:18.960 --> 0:38:21.080
<v Speaker 1>you wide open, like drop down and get your ear

0:38:21.120 --> 0:38:23.279
<v Speaker 1>going on. Right, You're like, whoa we been?

0:38:23.440 --> 0:38:25.799
<v Speaker 2>Because we have been resisting so long that we are

0:38:25.880 --> 0:38:27.760
<v Speaker 2>like just a kid in a candy store.

0:38:27.719 --> 0:38:29.959
<v Speaker 1>Like, oh my goodness, you know I'll be I'm making

0:38:30.000 --> 0:38:32.080
<v Speaker 1>decisions and I'm like, oh my god, who are you tiddy?

0:38:32.600 --> 0:38:37.080
<v Speaker 1>Where is my frugal front? So so yeah, I don't

0:38:37.080 --> 0:38:38.520
<v Speaker 1>I don't say I don't use any of those apps.

0:38:38.560 --> 0:38:41.640
<v Speaker 1>So when I when money was tight, like when I

0:38:41.719 --> 0:38:44.000
<v Speaker 1>was teaching preschool and I wasn't making you know, like

0:38:44.040 --> 0:38:47.279
<v Speaker 1>a bunch of money, I was very particular, meaning like

0:38:47.320 --> 0:38:49.799
<v Speaker 1>I had I had an actual spreadsheet that I would

0:38:49.840 --> 0:38:51.720
<v Speaker 1>like look at every two weeks and I would set aside,

0:38:51.760 --> 0:38:54.120
<v Speaker 1>you know, this amount for groceries, this amount for going out,

0:38:54.160 --> 0:38:56.280
<v Speaker 1>this is not for hair. So I was really clear,

0:38:56.320 --> 0:38:59.279
<v Speaker 1>but I used just an Excel spreadsheet. And now that

0:38:59.440 --> 0:39:03.040
<v Speaker 1>I'm doing better, I am less constrained in that I

0:39:03.120 --> 0:39:09.279
<v Speaker 1>don't particularly like I live more by percentages. So I save,

0:39:09.480 --> 0:39:12.440
<v Speaker 1>I would say, probably because we live off of mostly

0:39:12.480 --> 0:39:16.960
<v Speaker 1>Superman's income, and then I give my parents money every month,

0:39:17.000 --> 0:39:18.719
<v Speaker 1>so that doesn't come from our joint income that comes

0:39:18.760 --> 0:39:22.120
<v Speaker 1>from mine. So I venture to say, I say probably

0:39:22.200 --> 0:39:25.200
<v Speaker 1>upwards of eighty to ninety percent of what I make

0:39:25.320 --> 0:39:27.279
<v Speaker 1>because we live off his income and then we save

0:39:27.360 --> 0:39:30.479
<v Speaker 1>and invest mine. But still from that money, I still

0:39:30.480 --> 0:39:33.320
<v Speaker 1>take take out money, you know, to send to my parents.

0:39:33.400 --> 0:39:36.080
<v Speaker 1>And then I have like allowance that I give myself.

0:39:36.120 --> 0:39:39.880
<v Speaker 1>So the percentage that I set aside for myself, I

0:39:39.960 --> 0:39:44.000
<v Speaker 1>live off the percentages versus like, okay, this amount for groceries,

0:39:44.040 --> 0:39:46.720
<v Speaker 1>this amount. It's almost like here's your lump sum, Tiffany.

0:39:47.239 --> 0:39:48.960
<v Speaker 1>Make it work for the month, you know. And so

0:39:49.040 --> 0:39:52.359
<v Speaker 1>that's typically how I live now. I'm not as I'm

0:39:52.360 --> 0:39:55.279
<v Speaker 1>not as detailed because I'm like, okay, this is you know,

0:39:55.280 --> 0:39:57.880
<v Speaker 1>I might give myself like to be all the way transparent,

0:39:57.920 --> 0:40:01.280
<v Speaker 1>I mean, Superman and I like, aside from the renovation,

0:40:01.360 --> 0:40:05.280
<v Speaker 1>we live fairly simply, I want to say, our whole

0:40:05.560 --> 0:40:07.120
<v Speaker 1>like the way we live now, we don't have a car,

0:40:07.760 --> 0:40:10.719
<v Speaker 1>two cars. We don't have any cardinal. Our apartment is

0:40:10.760 --> 0:40:13.000
<v Speaker 1>super cheap because he's a super so we we we

0:40:13.640 --> 0:40:15.840
<v Speaker 1>live where he works. So we paid nine to sixty

0:40:15.880 --> 0:40:17.480
<v Speaker 1>a month in rent for two bed and when I

0:40:17.520 --> 0:40:20.839
<v Speaker 1>have that, and then like I don't know, our other

0:40:20.880 --> 0:40:24.160
<v Speaker 1>bills are really really low. So we we're under I

0:40:24.200 --> 0:40:25.960
<v Speaker 1>want to say, under thirty five hundred bucks a month.

0:40:26.000 --> 0:40:28.400
<v Speaker 1>We're probably we're closer to really three thousand dollars a

0:40:28.400 --> 0:40:31.200
<v Speaker 1>month for our total like life, you know, like including

0:40:32.520 --> 0:40:35.480
<v Speaker 1>groceries and stuff like that. So as a result, you know,

0:40:35.719 --> 0:40:38.160
<v Speaker 1>I don't really have to nickel and diamond. I'm like,

0:40:38.200 --> 0:40:40.040
<v Speaker 1>all right, boom, I just know Superman is going to

0:40:40.040 --> 0:40:43.120
<v Speaker 1>transfer his three thousand dollars to fifteen hundred every paycheck,

0:40:43.160 --> 0:40:46.640
<v Speaker 1>and you know we'll give it ourselves, our allowances and

0:40:46.800 --> 0:40:49.680
<v Speaker 1>we'll make that work. And so I say, it depends

0:40:49.719 --> 0:40:52.360
<v Speaker 1>on where you are financially, but for me, an Excel

0:40:52.400 --> 0:40:56.360
<v Speaker 1>spread chief theth and now it's just a percentage that

0:40:56.400 --> 0:40:57.919
<v Speaker 1>I give myself. And it's like, well, when this money

0:40:58.000 --> 0:40:58.919
<v Speaker 1>is done, sifty, so are.

0:40:58.840 --> 0:41:01.680
<v Speaker 2>You I need to see that spreadsheet? Let me let

0:41:01.719 --> 0:41:02.640
<v Speaker 2>me see that spreadsheet.

0:41:03.320 --> 0:41:09.000
<v Speaker 1>Yeah, what that's what it separates the real fan fake

0:41:09.040 --> 0:41:12.160
<v Speaker 1>what man it? I used to be what I would

0:41:12.239 --> 0:41:15.799
<v Speaker 1>make any any accountant proud. Before the spreadsheet, I had

0:41:15.800 --> 0:41:18.279
<v Speaker 1>a notebook. I was such my father's daughter because my

0:41:18.360 --> 0:41:20.799
<v Speaker 1>dad is retired now, but he was an accountant and

0:41:20.840 --> 0:41:24.160
<v Speaker 1>he was using He still uses a yellow Ledger notebook

0:41:24.960 --> 0:41:27.200
<v Speaker 1>and like with the lines like I that's how I

0:41:27.280 --> 0:41:30.200
<v Speaker 1>used to do my budget. I was very particular. And

0:41:30.239 --> 0:41:32.960
<v Speaker 1>then my sister was like, so it's the two thousands

0:41:33.000 --> 0:41:36.200
<v Speaker 1>computers that exist. There's something called Excel. I want you

0:41:36.280 --> 0:41:39.120
<v Speaker 1>to try it, And so I did so I switched

0:41:39.160 --> 0:41:42.040
<v Speaker 1>to Excel, and so I still see remnants of it,

0:41:42.080 --> 0:41:44.680
<v Speaker 1>but I have not used. Like I said, it's probably

0:41:44.719 --> 0:41:46.680
<v Speaker 1>been about three years since I've lived on that tight,

0:41:47.160 --> 0:41:49.239
<v Speaker 1>tight kind of like budget like that. I'm just more so,

0:41:49.440 --> 0:41:51.000
<v Speaker 1>here's your alum sum tipany make it work?

0:41:51.400 --> 0:41:53.319
<v Speaker 2>Well, I'm about to get back on it because I

0:41:53.360 --> 0:41:56.560
<v Speaker 2>really do feel like I just don't it just I'm

0:41:57.440 --> 0:42:00.360
<v Speaker 2>it just doesn't make me feel good the way that

0:42:00.360 --> 0:42:03.520
<v Speaker 2>we're spending money sometimes, like I just and it's a

0:42:03.560 --> 0:42:07.040
<v Speaker 2>blessing to like, I just feel like we aren't we worrying,

0:42:07.040 --> 0:42:10.439
<v Speaker 2>We should be worrying more. And he's always like, why

0:42:10.440 --> 0:42:13.200
<v Speaker 2>are you worried. I'm like, because you know, we need

0:42:13.239 --> 0:42:15.839
<v Speaker 2>to be we need to start. I see the I

0:42:15.920 --> 0:42:18.040
<v Speaker 2>see the territory we're in now, and we've spent this

0:42:18.120 --> 0:42:19.440
<v Speaker 2>much on the house, and I'm like, we need to

0:42:19.480 --> 0:42:21.960
<v Speaker 2>be in a rebuilding phase. And in order to rebuild,

0:42:22.000 --> 0:42:24.000
<v Speaker 2>we got to cut back. We can't keep we're living

0:42:24.040 --> 0:42:25.719
<v Speaker 2>as if we're still spending this much money on the

0:42:25.719 --> 0:42:27.960
<v Speaker 2>house and yet we're not. It's just it's just, you know,

0:42:28.040 --> 0:42:30.600
<v Speaker 2>we're spending it on things like groceries and eating out

0:42:30.719 --> 0:42:34.720
<v Speaker 2>and you know, just all kinds of stuff. And maybe

0:42:34.719 --> 0:42:36.960
<v Speaker 2>the house plans that I buy an Amazon. Amazon is

0:42:37.000 --> 0:42:39.719
<v Speaker 2>like killing me. I buy so much stuff on there.

0:42:39.760 --> 0:42:42.040
<v Speaker 2>But anyway, I'm gonna I'm gonna get back on the budget.

0:42:42.080 --> 0:42:43.960
<v Speaker 2>I like the idea of setting up like a percentage

0:42:43.960 --> 0:42:45.880
<v Speaker 2>of how much you're gonna be spending, and I'm gonna

0:42:45.920 --> 0:42:48.439
<v Speaker 2>like take an hour and do the mint dot Com

0:42:48.440 --> 0:42:51.360
<v Speaker 2>thing because I really want the ugly, the ugly truth

0:42:51.560 --> 0:42:54.000
<v Speaker 2>of how much we've been spending in each category lately,

0:42:54.080 --> 0:42:55.960
<v Speaker 2>because I think it's gonna hurt.

0:42:56.680 --> 0:42:58.080
<v Speaker 1>And it's good to see that. I'm not gonna know

0:42:58.120 --> 0:42:59.440
<v Speaker 1>like I have, Like I said, I'm like, oh at

0:42:59.440 --> 0:43:02.440
<v Speaker 1>this point, like honestly, like I'm still when it comes

0:43:02.480 --> 0:43:04.000
<v Speaker 1>to our day to day life, I'm still such a

0:43:04.000 --> 0:43:06.560
<v Speaker 1>tight wad. It's really just a housewife that I'm like, Oh,

0:43:06.760 --> 0:43:10.120
<v Speaker 1>it's like Sasha Fears, you know, is doing the house

0:43:10.160 --> 0:43:12.319
<v Speaker 1>and then Beyonce is doing the like you're evil twin

0:43:13.040 --> 0:43:16.640
<v Speaker 1>yeah what like And it's so crazy because Mandy, like

0:43:16.680 --> 0:43:19.920
<v Speaker 1>I will sweat, like what you over talked about two

0:43:19.920 --> 0:43:23.359
<v Speaker 1>dollars and I drove back to get it. But when

0:43:23.360 --> 0:43:26.640
<v Speaker 1>it comes to the house, it's like, oh, a thousand

0:43:26.640 --> 0:44:04.800
<v Speaker 1>dollars here you go? Yeah, who am I? Now it's

0:44:05.080 --> 0:44:08.920
<v Speaker 1>time to booster a break or booster a break or

0:44:09.040 --> 0:44:11.440
<v Speaker 1>booster a break? Whatchu finn to do? Mandra?

0:44:12.160 --> 0:44:15.360
<v Speaker 2>I mean, like you saw when I had my house,

0:44:15.400 --> 0:44:17.120
<v Speaker 2>everything was tied to my house, and now that I

0:44:17.120 --> 0:44:20.479
<v Speaker 2>have a dog, just get ready for like everything, all dog,

0:44:20.560 --> 0:44:23.480
<v Speaker 2>all the time. I'm already an expert in their bowel

0:44:23.520 --> 0:44:27.360
<v Speaker 2>movements and they're in different breeds and their behavioral patterns.

0:44:27.760 --> 0:44:30.160
<v Speaker 2>But the first thing we did after we got this dog,

0:44:30.239 --> 0:44:33.319
<v Speaker 2>because we were not prepared, and anyone who's thinking of

0:44:33.320 --> 0:44:36.279
<v Speaker 2>getting a dog, listen, do not get do what I

0:44:36.360 --> 0:44:38.399
<v Speaker 2>do and go to the adoption event, get the dog,

0:44:38.480 --> 0:44:40.160
<v Speaker 2>and then like on the way home, we were like,

0:44:40.160 --> 0:44:43.000
<v Speaker 2>oh shit, we don't have anything. So we had to

0:44:43.000 --> 0:44:46.399
<v Speaker 2>go directly to the pet store and they were super

0:44:46.560 --> 0:44:50.200
<v Speaker 2>nice there, and everything seemed reasonably priced, and we somehow

0:44:50.239 --> 0:44:53.000
<v Speaker 2>walked out of there with just the bare essentials and

0:44:53.040 --> 0:44:56.399
<v Speaker 2>we spent three hundred and ninety six dollars three hey

0:44:56.560 --> 0:44:59.120
<v Speaker 2>hundred and ninety six dollars, and I was like, say what,

0:44:59.640 --> 0:45:02.640
<v Speaker 2>Plus the adoption fee was four hundred and fifty dollars,

0:45:02.920 --> 0:45:06.160
<v Speaker 2>So I almost spent one thousand dollars in one day

0:45:06.440 --> 0:45:07.600
<v Speaker 2>on this damn doll I mean.

0:45:07.520 --> 0:45:11.120
<v Speaker 1>I love oh Holley girl, you pridey.

0:45:11.040 --> 0:45:14.880
<v Speaker 2>I know, but she's potty trained, so I think the

0:45:14.880 --> 0:45:17.120
<v Speaker 2>money was worth it. But anyway, here's what I did.

0:45:17.160 --> 0:45:19.279
<v Speaker 2>So the next day I had buyer's remorse and I

0:45:19.360 --> 0:45:22.000
<v Speaker 2>ended up going on Amazon for the things that we purchased,

0:45:22.120 --> 0:45:26.320
<v Speaker 2>like the crate and the bedding for the crate, and

0:45:26.480 --> 0:45:29.480
<v Speaker 2>even the collar that we bought. I found everything, like

0:45:29.520 --> 0:45:31.120
<v Speaker 2>I can't even tell you. The crate was one hundred

0:45:31.120 --> 0:45:33.560
<v Speaker 2>and nineteen dollars in the store and it was like

0:45:33.760 --> 0:45:37.440
<v Speaker 2>fifty dollars max on Amazon. The bed that we bought,

0:45:37.480 --> 0:45:39.200
<v Speaker 2>like the thing that the dog sleeps in and gets

0:45:39.280 --> 0:45:43.120
<v Speaker 2>poop on, and like whatever else was eighty dollars in

0:45:43.160 --> 0:45:45.399
<v Speaker 2>the store, not even kidding you it was. I got

0:45:45.400 --> 0:45:48.600
<v Speaker 2>one on Amazon for twenty five dollars. A lot of

0:45:48.640 --> 0:45:51.760
<v Speaker 2>money difference, Yes, So we returned most of what we got,

0:45:52.000 --> 0:45:53.880
<v Speaker 2>the big stuff that we got back to the store

0:45:54.239 --> 0:45:56.000
<v Speaker 2>and kept, you know, like the little things like toys

0:45:56.000 --> 0:45:58.000
<v Speaker 2>and dog food and stuff. And I was like, never again,

0:45:58.040 --> 0:46:00.719
<v Speaker 2>will they catch me like that? Never again? So I

0:46:00.760 --> 0:46:03.320
<v Speaker 2>probably ended up getting back like, you know, a couple

0:46:03.360 --> 0:46:06.400
<v Speaker 2>hundred dollars just from that. So I learned my lesson.

0:46:06.719 --> 0:46:10.840
<v Speaker 2>Don't do what I did, be prepared and if not Amazon,

0:46:10.920 --> 0:46:13.399
<v Speaker 2>just at least shop around to compare prices before you

0:46:13.640 --> 0:46:16.600
<v Speaker 2>let your emotions take you out of control with your

0:46:16.800 --> 0:46:17.640
<v Speaker 2>with your little puppy.

0:46:18.480 --> 0:46:24.520
<v Speaker 1>Oh wow, Molly seems like she's totally worth it. And yeah,

0:46:24.520 --> 0:46:28.440
<v Speaker 1>she's gonna eat all them coins, honey.

0:46:28.600 --> 0:46:30.279
<v Speaker 2>They don't think good practice for a kid when they

0:46:30.280 --> 0:46:31.320
<v Speaker 2>just suck you dry, right.

0:46:31.719 --> 0:46:37.560
<v Speaker 1>Yeah, exactly. So I had a booth yesterday. Was really awesome.

0:46:38.840 --> 0:46:41.600
<v Speaker 1>It's rare that like something happens and I'm like, uh,

0:46:42.280 --> 0:46:43.960
<v Speaker 1>because you know, I'm a little chatty and a loss

0:46:43.960 --> 0:46:46.799
<v Speaker 1>for word. So so you guys know, I helped to

0:46:46.800 --> 0:46:50.200
<v Speaker 1>write this bill that was then signed into law with

0:46:50.400 --> 0:46:53.080
<v Speaker 1>a friend of mine, Angela Vie McKnight. She's an assembly

0:46:53.120 --> 0:46:56.319
<v Speaker 1>woman in Jersey City. So a few weeks ago she

0:46:56.400 --> 0:46:58.000
<v Speaker 1>was like, hey, what are you doing on the twenty fifth.

0:46:58.040 --> 0:47:00.840
<v Speaker 1>I was like, She's like, I want to you for

0:47:00.920 --> 0:47:04.080
<v Speaker 1>your work as a bunch ofista and as an entrepreneur

0:47:04.280 --> 0:47:06.080
<v Speaker 1>in the state of New Jersey. And I said okay.

0:47:06.160 --> 0:47:07.760
<v Speaker 1>She was like, you know, it's gonna be in Trenton.

0:47:07.800 --> 0:47:09.840
<v Speaker 1>I was like, Trenton, that's like an hour and so

0:47:09.960 --> 0:47:13.719
<v Speaker 1>drive from Newark. And something said this is the kind

0:47:13.719 --> 0:47:16.279
<v Speaker 1>of thing you should invite your parents to. Because I

0:47:16.280 --> 0:47:18.400
<v Speaker 1>really didn't have any intention of like I thought, I

0:47:18.440 --> 0:47:19.959
<v Speaker 1>was just gonna go, you know, get my little paper

0:47:19.960 --> 0:47:21.919
<v Speaker 1>and come home. No, it ended up being this big deal.

0:47:22.560 --> 0:47:24.320
<v Speaker 1>So you know how like you watch like the Senate

0:47:24.440 --> 0:47:28.800
<v Speaker 1>proceedings whatever, like on TV. So the state of New Jersey,

0:47:29.320 --> 0:47:31.160
<v Speaker 1>I guess I don't know if every state has kind

0:47:31.160 --> 0:47:35.520
<v Speaker 1>of like this assembly floor, but it was so beautiful

0:47:35.560 --> 0:47:38.759
<v Speaker 1>and historic and gorgeous, so at the State House. So

0:47:38.800 --> 0:47:41.640
<v Speaker 1>Trenton is the Capital of New Jersey. I'm pretty sure

0:47:48.120 --> 0:47:51.320
<v Speaker 1>it is so at the State House because it was

0:47:51.360 --> 0:47:56.200
<v Speaker 1>Black History Month, the the the Black Caucus she had,

0:47:56.280 --> 0:48:01.560
<v Speaker 1>it's the Black Legislative Caucus of New Jersey. She they

0:48:01.640 --> 0:48:04.320
<v Speaker 1>honored me right there on the Assembly floor. And the

0:48:04.320 --> 0:48:06.400
<v Speaker 1>assembly floor looks like when you watch on TV and

0:48:06.400 --> 0:48:08.479
<v Speaker 1>they're like, you know, Madam Speaker, and so it looked

0:48:08.480 --> 0:48:12.799
<v Speaker 1>so fancy. And so my parents came. They got to

0:48:12.840 --> 0:48:14.879
<v Speaker 1>come on the floor with me as they talked about

0:48:14.880 --> 0:48:16.759
<v Speaker 1>all the good works I've done as the budgetista and

0:48:16.800 --> 0:48:19.680
<v Speaker 1>as an entrepreneur, and I got to speak to the

0:48:19.680 --> 0:48:22.200
<v Speaker 1>whole assembly. But they were you know during the Assembly,

0:48:22.239 --> 0:48:24.200
<v Speaker 1>you know, they vote on things. This is where laws

0:48:24.239 --> 0:48:27.120
<v Speaker 1>are written and created and shot down. And it was

0:48:27.200 --> 0:48:30.920
<v Speaker 1>just it just felt the magnitude of that day was

0:48:31.120 --> 0:48:35.120
<v Speaker 1>just bigger than I could really just even articulate or

0:48:35.160 --> 0:48:37.600
<v Speaker 1>even just feel. And so they have my parents there

0:48:37.640 --> 0:48:41.560
<v Speaker 1>with me. It was awesome. And so the pictures look

0:48:41.640 --> 0:48:44.600
<v Speaker 1>amazing just because the place it's so beautiful and historic.

0:48:44.920 --> 0:48:47.520
<v Speaker 1>So you can like look at my ig the Budgetnista

0:48:47.800 --> 0:48:49.560
<v Speaker 1>for some of the pictures. And it was just honestly

0:48:49.640 --> 0:48:51.439
<v Speaker 1>a really awesome day, and it was just so nice

0:48:51.440 --> 0:48:54.240
<v Speaker 1>to share with my parents because to me all the way, honest,

0:48:54.280 --> 0:48:55.920
<v Speaker 1>I was a little bit of a handful as a

0:48:56.000 --> 0:49:02.319
<v Speaker 1>kid up until college. So my parents, you know, they

0:49:02.320 --> 0:49:05.400
<v Speaker 1>went through a lot trying to wrangle Tiffany. And so

0:49:05.640 --> 0:49:08.320
<v Speaker 1>this is for all the handfuls and that the things

0:49:08.360 --> 0:49:10.640
<v Speaker 1>that sometimes make you a handfuls are also what makes

0:49:10.680 --> 0:49:14.359
<v Speaker 1>you awesome and that you know, just you know, lean

0:49:14.520 --> 0:49:18.560
<v Speaker 1>into your what makes you different and you know, maximize

0:49:18.560 --> 0:49:21.200
<v Speaker 1>it to make the best life for yourself. And it's just,

0:49:21.560 --> 0:49:25.440
<v Speaker 1>you know, it was crazy because I brought my videographer, Jermaine,

0:49:25.480 --> 0:49:27.719
<v Speaker 1>and I said, you know, something said you know, bring him,

0:49:27.719 --> 0:49:30.719
<v Speaker 1>And I'm so glad because I saw Jermaine asking my

0:49:30.760 --> 0:49:33.160
<v Speaker 1>dad in the corner on video, you know, what do

0:49:33.160 --> 0:49:34.759
<v Speaker 1>you think about today? He's like, you know, I'm so

0:49:34.840 --> 0:49:36.759
<v Speaker 1>proud of Tiffany. And if you have immigrant parents, the

0:49:36.800 --> 0:49:38.600
<v Speaker 1>word proud doesn't come out of their mouth very often.

0:49:39.160 --> 0:49:41.319
<v Speaker 1>And he's like, I'm so proud of Tiffany and all

0:49:41.400 --> 0:49:43.040
<v Speaker 1>he said something that made me want to cry. He

0:49:43.080 --> 0:49:46.200
<v Speaker 1>was like, you know, I have high expectations for all

0:49:46.200 --> 0:49:50.959
<v Speaker 1>my children, Tiffany included. But to be honest, Tiffany has,

0:49:52.600 --> 0:49:56.040
<v Speaker 1>she has, she has exceeded any expectation I could have

0:49:56.080 --> 0:49:58.560
<v Speaker 1>ever even like imagined for her, and my dad has

0:49:58.600 --> 0:50:01.560
<v Speaker 1>It's not one He's not mushy dad. He's not a

0:50:01.680 --> 0:50:04.560
<v Speaker 1>you get a participation a ward dad, He's a oh

0:50:04.600 --> 0:50:06.359
<v Speaker 1>you got a ninety six, where's the other four points?

0:50:06.440 --> 0:50:09.080
<v Speaker 1>Don't get geeked like? That's my dad, you know, Like

0:50:09.160 --> 0:50:12.240
<v Speaker 1>he is never satisfied. He always says you could do better.

0:50:12.320 --> 0:50:14.480
<v Speaker 1>He always says you could be better. He's always pushing

0:50:14.520 --> 0:50:16.600
<v Speaker 1>you to the next level. So for him to say

0:50:17.160 --> 0:50:21.040
<v Speaker 1>that I've exceeded expectations, it's not because it's expectations are low.

0:50:21.600 --> 0:50:24.480
<v Speaker 1>I mean, he has the highest expectations that you know,

0:50:24.600 --> 0:50:27.000
<v Speaker 1>even more so than for myself. And so that was

0:50:27.040 --> 0:50:30.280
<v Speaker 1>just a magical moment. And so that is my brown booze.

0:50:30.360 --> 0:50:31.840
<v Speaker 1>It was just a magical moment. I want to just

0:50:31.840 --> 0:50:35.759
<v Speaker 1>thank Angela. She's such an awesome, amazing woman. This is

0:50:35.800 --> 0:50:38.000
<v Speaker 1>a woman who's had hundreds of laws already passed. She's

0:50:38.120 --> 0:50:40.839
<v Speaker 1>only been in office I think in twenty eleven. There

0:50:40.880 --> 0:50:43.600
<v Speaker 1>are legislators that have not gotten one law pass This

0:50:43.640 --> 0:50:48.799
<v Speaker 1>woman has had hundreds. And she's always bringing me in

0:50:49.680 --> 0:50:53.200
<v Speaker 1>and just highlighting me whenever possible, and you know the

0:50:53.239 --> 0:50:55.359
<v Speaker 1>Black Caucus. It was, like I said, Black History Month,

0:50:55.400 --> 0:50:57.840
<v Speaker 1>so it was not just me that got the resolution.

0:50:58.040 --> 0:51:00.720
<v Speaker 1>So that's what they honored me with. It's called the resolution.

0:51:00.800 --> 0:51:04.360
<v Speaker 1>It's like an official citation that then gets filed away

0:51:04.440 --> 0:51:07.240
<v Speaker 1>and like official document status at the state House and

0:51:07.280 --> 0:51:09.400
<v Speaker 1>all that stuff, and they give you like a in

0:51:09.440 --> 0:51:12.479
<v Speaker 1>a picture frame for you to take home. And yeah,

0:51:12.480 --> 0:51:14.200
<v Speaker 1>I just want to thank the stay in New Jersey.

0:51:14.280 --> 0:51:17.080
<v Speaker 1>This is just an awesome honor and not one that

0:51:17.120 --> 0:51:19.960
<v Speaker 1>I take lightly. You know, I work really hard and

0:51:20.080 --> 0:51:23.319
<v Speaker 1>sometimes too hard if you ask me truthfully, But no,

0:51:23.719 --> 0:51:27.040
<v Speaker 1>it's because whenever I turn around, there's someone who is

0:51:27.200 --> 0:51:30.080
<v Speaker 1>needing help and I'm like, okay, how can I fit

0:51:30.120 --> 0:51:34.000
<v Speaker 1>this into my schedule? So yeah, it just yesterday was

0:51:34.040 --> 0:51:36.080
<v Speaker 1>just really an awesome, awesome, awesome time.

0:51:36.480 --> 0:51:39.759
<v Speaker 2>It's nice to be appreciated. It is, honestly, take a

0:51:39.800 --> 0:51:42.279
<v Speaker 2>step back and appreciate yourself and like all the work

0:51:42.320 --> 0:51:44.520
<v Speaker 2>that you've done. So that's awesome. The pictures, I can't wait.

0:51:44.560 --> 0:51:47.440
<v Speaker 2>I want to see some of the pictures that that

0:51:47.520 --> 0:51:49.440
<v Speaker 2>you remain took or did he just take video?

0:51:49.640 --> 0:51:53.720
<v Speaker 1>Whatever he did a bunch of like so I posted

0:51:53.719 --> 0:51:55.840
<v Speaker 1>some of them, like especially the ones with my parents.

0:51:55.960 --> 0:51:58.360
<v Speaker 1>This is one picture that's my favorite, where like my

0:51:58.480 --> 0:52:00.160
<v Speaker 1>mom is taking a picture of me. I look for

0:52:00.200 --> 0:52:03.239
<v Speaker 1>someone like I'm in third grade because you see like

0:52:03.280 --> 0:52:05.160
<v Speaker 1>the back of my parent's head, my dad is looking

0:52:05.160 --> 0:52:06.719
<v Speaker 1>on and my mom is taking a picture of me

0:52:06.760 --> 0:52:08.640
<v Speaker 1>with her phone and I'm standing in the middle holding

0:52:08.680 --> 0:52:09.160
<v Speaker 1>my award.

0:52:09.280 --> 0:52:13.680
<v Speaker 3>Yeah, they should give out awards to adults because you

0:52:13.680 --> 0:52:15.880
<v Speaker 3>know why, like why should we stop at the college

0:52:15.920 --> 0:52:18.799
<v Speaker 3>diploma or the high school diploma, Like we need to

0:52:18.920 --> 0:52:21.799
<v Speaker 3>just all take a step back and recognize each other.

0:52:22.640 --> 0:52:24.040
<v Speaker 2>Yeah, that's fair and.

0:52:24.040 --> 0:52:26.279
<v Speaker 1>It's so nice, right. I was like, oh, look at

0:52:26.280 --> 0:52:28.560
<v Speaker 1>my pant when I saw that picture. It's such a

0:52:28.600 --> 0:52:30.799
<v Speaker 1>parent picture, like, oh look at my baby. You could

0:52:30.840 --> 0:52:32.880
<v Speaker 1>just tell they were like, look at my baby.

0:52:32.920 --> 0:52:35.800
<v Speaker 2>You know, do your parents still have like my dad's

0:52:35.840 --> 0:52:38.360
<v Speaker 2>literally has a wall like a shrine. And it's like

0:52:38.440 --> 0:52:41.080
<v Speaker 2>Mandy Wood aer a eighth grade algebra on her role,

0:52:41.800 --> 0:52:45.279
<v Speaker 2>Mandy Wood are a fifth grade perfect attendance like you

0:52:45.880 --> 0:52:48.400
<v Speaker 2>They keep all those little awards and things.

0:52:48.200 --> 0:52:50.960
<v Speaker 1>Over there years they do. And I mean, you know

0:52:51.000 --> 0:52:52.560
<v Speaker 1>you don't think, you know, I don't care, how girl

0:52:52.640 --> 0:52:54.839
<v Speaker 1>you are? You know, you tell yourself. I don't care

0:52:54.880 --> 0:52:56.560
<v Speaker 1>because I know I've definitely told myself that when my

0:52:56.560 --> 0:52:59.520
<v Speaker 1>parents weren't particularly proud of what I was doing, and

0:52:59.560 --> 0:53:01.160
<v Speaker 1>I'm like, don care, I'm grown at you. I do

0:53:01.200 --> 0:53:03.879
<v Speaker 1>what I won't, I do what I won't. But there's

0:53:04.000 --> 0:53:07.799
<v Speaker 1>nothing like having parental approval and for them to be

0:53:07.800 --> 0:53:09.520
<v Speaker 1>proud of you. It was just like, like I said,

0:53:09.560 --> 0:53:13.319
<v Speaker 1>like I I, my parents are not touchy feely, Oh

0:53:13.400 --> 0:53:15.879
<v Speaker 1>baby baby. You know that's not them. So for them

0:53:15.920 --> 0:53:19.000
<v Speaker 1>to say I am proud of you, it means everything

0:53:19.560 --> 0:53:21.560
<v Speaker 1>because it's not It's not a word that I have

0:53:21.640 --> 0:53:24.480
<v Speaker 1>heard often in my in my career and even just

0:53:24.520 --> 0:53:26.719
<v Speaker 1>now as an adult. You know, they really reserve that

0:53:26.800 --> 0:53:28.239
<v Speaker 1>from when they really are proud of me.

0:53:29.360 --> 0:53:31.440
<v Speaker 2>When you deserve it. I'm proud of you too, Not

0:53:31.480 --> 0:53:32.279
<v Speaker 2>that it matters as.

0:53:32.280 --> 0:53:35.480
<v Speaker 1>Much, but it do, but I definitely definitely does matter.

0:53:36.520 --> 0:53:40.960
<v Speaker 2>Yeah, that's awesome, congrats, thank you. I don't call you

0:53:40.960 --> 0:53:42.160
<v Speaker 2>the queen in Jersey for nothing.

0:53:42.400 --> 0:53:45.359
<v Speaker 1>Okay, Jersey queen. Okay, they need.

0:53:45.280 --> 0:53:46.880
<v Speaker 2>A new queen since Whitney's been gone.

0:53:47.360 --> 0:53:49.080
<v Speaker 1>Well, you know, I feel like Queen Latifa. Honestly, it's

0:53:49.080 --> 0:53:49.319
<v Speaker 1>a queen.

0:53:49.320 --> 0:53:51.000
<v Speaker 2>I'll be proud okay, sign fair enough.

0:53:51.440 --> 0:53:53.160
<v Speaker 1>But you know, just to close, you know, Queen Latifa,

0:53:53.400 --> 0:53:58.080
<v Speaker 1>it's a seventeen million note fourteen million dollar. She's building

0:53:58.400 --> 0:54:02.719
<v Speaker 1>homes or like a housing complex or something like that apartment.

0:54:03.239 --> 0:54:05.880
<v Speaker 1>I think it's fourteen million dollars and I'm just excited

0:54:05.880 --> 0:54:07.359
<v Speaker 1>to see, like what happens with it, you know.

0:54:07.400 --> 0:54:10.520
<v Speaker 2>I heard that. Yeah, that's amazing. It's nice to see

0:54:10.520 --> 0:54:11.880
<v Speaker 2>people give back to that community.

0:54:12.160 --> 0:54:17.120
<v Speaker 1>Yeah, because we who aren't Mark Zuckerberg exactly dope.

0:54:17.800 --> 0:54:21.080
<v Speaker 2>All right, Well, another show, another week gone. We'll see

0:54:21.080 --> 0:54:24.640
<v Speaker 2>you guys next week with our tax episode. Send us

0:54:24.640 --> 0:54:28.560
<v Speaker 2>your questions brandonbishpodcast at gmail dot com, and really questions

0:54:28.600 --> 0:54:30.759
<v Speaker 2>about your text we'll try and get to on the show.

0:54:30.800 --> 0:54:32.080
<v Speaker 2>And what's our expert tam again?

0:54:32.600 --> 0:54:35.080
<v Speaker 1>But you wish Terry Chantel so you could do your

0:54:35.120 --> 0:54:36.919
<v Speaker 1>googles if you want to. But she's amazing. You're gonna

0:54:36.960 --> 0:54:37.239
<v Speaker 1>love her.

0:54:38.800 --> 0:54:41.480
<v Speaker 2>I have my own list of questions, so get ready

0:54:42.160 --> 0:54:46.279
<v Speaker 1>I sis exactly because I could to get my face

0:54:46.440 --> 0:54:55.520
<v Speaker 1>all the way together with Terry