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Speaker 1: It's time for the b a q a A to

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Speaker 1: b a q A what you say the b a

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Speaker 1: q A man day, the b a q A with

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Speaker 1: Tiffan Ay, the b a q A brought a bit

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Speaker 1: of your question and answer. Yes, we are Tiffany and Mandy,

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Speaker 1: and although we're not your therapist, you're your personal financial advisor,

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Speaker 1: your accountants, your attorney.

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Speaker 2: We are two.

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Speaker 1: Smart brown girls who know a thing about money, personal finances,

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Speaker 1: career and business.

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Speaker 2: And so you know we're in studio just to answer

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Speaker 2: your questions.

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Speaker 3: Yeah, and today we got a real talk Tina with

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Speaker 3: a current hot seat. I had to read your whole

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Speaker 3: name because that's amazing. Thanks so much for joining BA.

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Speaker 3: So wait, you already know each other.

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Speaker 1: Well, we had tape before, you know, Mandy when you

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Speaker 1: use out with the with the coude. But I guess

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Speaker 1: there was some technical difficulty and so we got real

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Speaker 1: talk to you to back in the studio.

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Speaker 4: Thank you for having me. You're also my mentor because

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Speaker 4: i'm your mentee. Yes, it's been so helpful to me.

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Speaker 4: You just dropped so much great information to improve my

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Speaker 4: life as an entrepreneur and I just love it.

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Speaker 2: Thank you.

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Speaker 1: Because Randy was out, and so we were like, we

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Speaker 1: had to get some guests. And so I was like,

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Speaker 1: you know what, while man is out, let me get

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Speaker 1: some business guests. So so I dropped in the mentee

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Speaker 1: chat and said, hey, if any mentees want to come on,

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Speaker 1: so ask them their ask some business questions or even

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Speaker 1: personal finance questions come on through.

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Speaker 2: So so, yeah, that's what's going on here.

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Speaker 3: All right, Well, it'll be my first time hearing your question.

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Speaker 3: That's your question.

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Speaker 4: Well, I think last time I asked it was definitely

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Speaker 4: about finances. I am an entrepreneur. I'm a realtor. I

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Speaker 4: talk about just real estate. I do real estate here

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Speaker 4: in Atlanta, Georgia, but I also do you know, I

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Speaker 4: have a blog. I write about relationships and travel. So

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Speaker 4: the market has slowed a bit. It's a great market,

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Speaker 4: but it's definitely was a transition for me. And my

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Speaker 4: finances were not good to start with. After the pandemic.

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Speaker 4: I had some health issues. I had surgery and I

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Speaker 4: was just getting back from that. And then now my

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Speaker 4: income as an entrepreneur real estate agent has stopped completely.

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Speaker 4: So it's not just like I had debt before. Now

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Speaker 4: I have I'm laid on my rent and they don't

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Speaker 4: have a ban where if you're laid on your rent

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Speaker 4: you don't get evicted. They start that process right away.

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Speaker 4: So I'm just wondering what to do. I'm trying to,

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Speaker 4: you know, try to get clients and trying to do

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Speaker 4: all these marketing and meanwhile I'm dealing with where do

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Speaker 4: I live, how do I pay off my debt, how

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Speaker 4: do I keep my car? And my family is getting

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Speaker 4: tired of me. So it's stressful.

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Speaker 1: First, I want to say, honestly, Tina, it's so crazy

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Speaker 1: that you said this, because I just saw an article

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Speaker 1: today literally, like I think it was Yahoo Finance, and

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Speaker 1: it was like it was I forget what percentage of

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Speaker 1: realtors are later on their rent, like were lading on

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Speaker 1: the rent November that like that that's a number that

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Speaker 1: they're watching. A number of realtors are later in their rent.

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Speaker 1: It's a number that they're watching, like as an indicator

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Speaker 1: to what's happening in the housing market, because less homes

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Speaker 1: are being sold, homes are being sold for you know,

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Speaker 1: home prices are going down, not rapidly so, but they're

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Speaker 1: going down, and less people are listing because you know,

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Speaker 1: they said, you know, the listing numbers are are down

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Speaker 1: to like twenty twenty levels. So what you're feeling is

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Speaker 1: not a tinage made a mistake thing.

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Speaker 2: It's a this is what's happening.

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Speaker 1: So I just want you to acknowledge because sometimes we

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Speaker 1: have to acknowledge that, like you know, certainly you know

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Speaker 1: it's good to take responsibility for like where we are,

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Speaker 1: which is important, but it's also important to acknowledge that

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Speaker 1: there are outside circumstances that are aiding or creating the environment.

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Speaker 1: So the environment that you're in is not one that

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Speaker 1: you created, you know, as far as like these outside circumstances, and.

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Speaker 4: That's good to knowny times, I think I'm the only one,

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Speaker 4: like you know, no one else is right laid on

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Speaker 4: their rent. Like I'm in my forties, I'm not twenty anymore.

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Speaker 2: It's just me.

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Speaker 4: So that's that's comforting to know, but it's disappointing as well.

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Speaker 3: Yeah, how long have you been in the real estate business.

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Speaker 4: I've actually been a realtor for six years.

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Speaker 3: Six years? Okay, I do this is your first kind

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Speaker 3: of experience with a real difficult sort of housing economy, right.

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Speaker 4: No, I mean I did have I do want to

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Speaker 4: just say to everyone check your adrenals. I had a

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Speaker 4: lot of adrenal issues, so I had to get my

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Speaker 4: adrenal removed. So I wasn't able to work a lot

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Speaker 4: of those years where I was sick. So I have

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Speaker 4: had just a lot of stops and goes. It's not

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Speaker 4: just this time. It's just that I was actually getting

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Speaker 4: on my feet and doing quite well, closing every single month.

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Speaker 4: You know, I felt healthy, and I was like paying

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Speaker 4: off my debt. You know, I was just so proud

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Speaker 4: to pay off my debt. During the pandemic, I did

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Speaker 4: not have a car. I actually did have a chance

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Speaker 4: to travel, but only on a like a bootstring budget,

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Speaker 4: a very low budget. And then I came back and

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Speaker 4: I tried to build myself up again and I didn't

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Speaker 4: have a car, and I was finally able to buy

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Speaker 4: a car this year, pay it every month, automatically, pay

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Speaker 4: my rent automatically. I was doing great. So I'm forty

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Speaker 4: two and I just feel like during college was probably

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Speaker 4: the last time I had a roommate and it was

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Speaker 4: just so problematic. Maybe I was younger than I just

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Speaker 4: feel like me as a very sensitive person, I like

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Speaker 4: space to myself. I just feel like it would be

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Speaker 4: a worse problem. But maybe I need to come down

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Speaker 4: and really look at the situation and say I can't

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Speaker 4: have what I want. I need to do what I

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Speaker 4: need to do. Now, what do you think?

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Speaker 3: I think you got to throw out that version of

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Speaker 3: yourself that you're comparing yourself to, like where you think

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Speaker 3: you ought to be right now at your age, which

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Speaker 3: you're still young.

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Speaker 2: Okay, girl forty three, look at a horn. You're doing

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Speaker 2: what only baby on here.

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Speaker 3: If any wedden always doing well?

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Speaker 2: No, girl, I am both out of rock bottoms.

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Speaker 3: Yeah, but you really I think it's like we think

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Speaker 3: we're comparing ourselves to like Instagram models, but I think

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Speaker 3: so often it's like that version of ourselves that we

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Speaker 3: think we ought to be at wherever we are in

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Speaker 3: our lives because that person, like comparing yourself to her

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Speaker 3: and where you think you are, like, that's holding you

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Speaker 3: back from saving yourself and from you know, taking the steps.

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Speaker 3: It's only temporary, like you're gonna get back on your feet,

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Speaker 3: the housing work. It will bounce back. It does, But

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Speaker 3: for now, I I think it's about what are the

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Speaker 3: resources you can lean on for help because you need help.

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Speaker 3: Roommain is one option. Do you have family you could

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Speaker 3: stay with in the meantime.

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Speaker 4: I think me and my family both know that they'd

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Speaker 4: rather give me money for hold on before we move

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Speaker 4: in back together. My family is in Michigan. I just

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Speaker 4: don't feel like it's a good market for me to

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Speaker 4: prosper in and environment. But I do appreciate my family

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Speaker 4: for all they've done.

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Speaker 1: So I just say, like, during times like this, it's like,

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Speaker 1: you do what you have to do until you do

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Speaker 1: what you can do what you want to do. So

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Speaker 1: you do what you have to do until you do

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Speaker 1: what you want to do. And so ideally the solution

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Speaker 1: would be to do whatever I want and then it

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Speaker 1: works out. But you know, there are moments we all

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Speaker 1: know in life that that's just not how that goes.

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Speaker 1: Sometimes it's like, okay, So, like when i'd lost my

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Speaker 1: job when I was a teacher and I was I

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Speaker 1: remember I was thirty, I ended moving back home with

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Speaker 1: my parents. It was not ideal because they're Nigerian and

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Speaker 1: the curfew was still midnight.

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Speaker 2: They don't give a damn how old you are. I

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Speaker 2: was literally like.

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Speaker 1: Thirty my dad's and if you came back long minute

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Speaker 1: after midnight, this door would be locked.

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Speaker 2: You will sleep wherever you were, wherever you were. I

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Speaker 2: was like, what kind of life is this?

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Speaker 1: It was a life of a thirty ye row who

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Speaker 1: didn't have the mortgage money for her place. And if

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Speaker 1: I was going to live with my parents, this is

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Speaker 1: what the rule was. Then I moved in with my

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Speaker 1: sister for like a year, you know, I told her

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Speaker 1: three months she was like girl. After like a year,

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Speaker 1: she was sick of my stuff. It was like, get out.

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Speaker 1: And then I moved in with like a friend of

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Speaker 1: mine who was renting a room in a home, and

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Speaker 1: so it was like four or five of us each

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Speaker 1: renting a room. I did that honestly until thirty four.

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Speaker 1: So from like twenty nine to thirty four, you know,

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Speaker 1: I was like bopping around and bouncing trying to figure

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Speaker 1: it out, and so is it something that I'm wanting

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Speaker 1: to do, Like, oh my gosh, you know, this is

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Speaker 1: so great renting a room, like I just came home

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Speaker 1: from jail now, But it's what I had to do

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Speaker 1: in that moment to create a financial foundation for myself,

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Speaker 1: you know. Same, I had like this old Ragley car

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Speaker 1: that I could I didn't really drive. I either walked

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Speaker 1: everywhere I took public transportation and so it wasn't easy.

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Speaker 1: But I also reminded myself this is temporary, you know,

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Speaker 1: because I am actively working on a stronger financial foundation.

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Speaker 1: I had all this debt that had to get rid

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Speaker 1: of the house, you know, they had lost to foreclosure.

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Speaker 1: But I started to build my business from a place

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Speaker 1: of underspending finally, you know, and then I got.

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Speaker 2: On my feet.

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Speaker 1: And so I just say all that to say that, like,

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Speaker 1: you know, I mean, whether you're forty two fifty two,

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Speaker 1: I mean, I get it, because it feels like I'm

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Speaker 1: supposed to be grown, and I thought I thirty, I

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Speaker 1: was supposed to be grown. I shouldn't be going through this,

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Speaker 1: you know. But the truth is, okay, understood, Tiffany.

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Speaker 2: But we're here. So what you're gonna do?

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Speaker 1: Because the thing is is that if you avoid making

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Speaker 1: the choices, life gonna make the choice for you.

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Speaker 4: Yeah. I did actually talk to a lawyer, and he

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Speaker 4: did say that my of my options were to file

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Speaker 4: Chapter seven and that way it can start all over.

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Speaker 4: I know when people when I say, oh I moved

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Speaker 4: to France, are like, oh gosh, this girl is not

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Speaker 4: trying to save But when I lived in France. I

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Speaker 4: lived in a studio by myself with my dog. It

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Speaker 4: costs four hundred and eighty five year old a month,

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Speaker 4: and I didn't have a car, took the bus, I

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Speaker 4: walked everywhere. I was living the life on a real

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Speaker 4: small budget. So I'm really thinking about file filing Chapter seven,

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Speaker 4: going overseas and just building my life there if I can.

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Speaker 3: I feel like the filing bankruptcy. I mean, that option

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Speaker 3: is there for a reason. There's no shame in taking

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Speaker 3: that option. Very scary because most of your debt you

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Speaker 3: said it's medical and also like consumer debt, like credit cards.

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Speaker 4: I actually didn't do that smart thing. I tried to

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Speaker 4: pay all my medical bills and I put all my

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Speaker 4: monthly expenses on my credit card. I had eight hundred

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Speaker 4: credit at the time. I had eight hundred credit all

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Speaker 4: my adult life, and then when I just couldn't keep up,

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Speaker 4: I put everything on the credit card that was not medical.

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Speaker 4: So I have ten thousand hours worth of debt.

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Speaker 3: Well, yeah, with medical debt. I mean, Tiff, what kind

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Speaker 3: of advice do you give when it comes to like

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Speaker 3: which one? I know we can't turn at the clock,

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Speaker 3: but when it comes to deciding do I pay on

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Speaker 3: this medical debt versus you know, putting my life on credit?

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Speaker 3: What do you think about that, Tiff. I know that

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Speaker 3: there's like income or sorry, low income assistance like for

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Speaker 3: medical bills and things.

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Speaker 1: Like that at hospitals and too, they have a law

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Speaker 1: in place where like the way medical debt hits your

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Speaker 1: credit is not as detrimental as it wants used to

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Speaker 1: be because they acknowledge it's not you being financially quote

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Speaker 1: unquote irresponsible. So just in general, like if anyone's listening

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Speaker 1: and they're like they're having to choose between medical debt

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Speaker 1: and their bills, you know, with the money that you

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Speaker 1: actually have that coming in medical debt, there's more leeway

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Speaker 1: with how to navigate from creditors, from the credit bureaus.

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Speaker 2: And so if you have if you.

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Speaker 1: Could only choose one and less, not paying the medical

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Speaker 1: debt will mean that you can't have access to whatever

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Speaker 1: the medicine is.

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Speaker 2: That's different obviously, you know.

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Speaker 1: But yeah, then paying like your your personal bills and

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Speaker 1: then working it out with medical debt, because there are

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Speaker 1: some it might be a lot of paperwork, but there

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Speaker 1: are some things in place, like one like I call

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Speaker 1: myself one time, like dyeing like my hair, because my

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Speaker 1: friend Joy used to always like when I got because

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Speaker 1: I used to get I used to get gray, like

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Speaker 1: I've been getting grade since I was like twenty six,

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Speaker 1: So I like, I started with like one gray eyelash

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Speaker 1: and now like all my lashes are great, but you know, mascaro,

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Speaker 1: you can't see it.

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Speaker 2: But I still have little grades which they will stay.

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Speaker 1: Because my friend Joy used to what I thought was

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Speaker 1: dye my hair every like I don't know a few

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Speaker 1: months or so, but she was using a rinse.

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Speaker 2: I didn't know that.

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Speaker 1: And then one day it was like, oh, my do myself,

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Speaker 1: George is this is one of my many roommates when

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Speaker 1: I was living in the house, like we all just

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Speaker 1: came home from jail.

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Speaker 2: So Joy was like she always dyed her hair and whatever.

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Speaker 2: I was like, ooh can you.

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Speaker 1: I'm like, I have like one of two grades, and

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Speaker 1: she was like, oh, you know, I thought it was

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Speaker 1: like I said, I thought it was a die. So

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Speaker 1: then I decided I was going to do it myself

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Speaker 1: because she had done it a couple I'm like, I

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Speaker 1: can do it. And she wasn't living in the house anymore.

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Speaker 1: And the next morning I was like oof, like I

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Speaker 1: had this like bubble under my skin that grew. I

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Speaker 1: don't know if anybody remembers a movie mask.

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Speaker 2: From Share though.

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Speaker 1: Literally though my whole face was like it was like

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Speaker 1: liquid under my face. It exploded and I was so scared.

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Speaker 1: But I had no money, so I was like, maybe

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Speaker 1: it'll go away. So I called my mother and it

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Speaker 1: was like my mother's a nurse. I sent her a picture.

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Speaker 1: She was like, are you are you kidding me, Tiffany.

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Speaker 1: You need to go to a mergency room right away.

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Speaker 1: You're having an extreme allergic reaction. And I googled it

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Speaker 1: that some people are allergic to black hair dye. You're

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Speaker 1: supposed to do a test. I did not know, you know,

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Speaker 1: because I assumed I had been getting it done. But

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Speaker 1: it was a rent, which is not the same. There's

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Speaker 1: something a black hair dye that some people have a

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Speaker 1: severe allergic reaction to, and ding ding ding. I was

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Speaker 1: one of them people. But I waited out for like

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Speaker 1: two days until it got worse and worse. I was like,

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Speaker 1: oh my god, oh my god, oh my god. And

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Speaker 1: literally there's a hospital like not even a half a

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Speaker 1: block up the street. Actually the hospital where I was

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Speaker 1: born Saint Michael's in Newark. I lived on the same street.

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Speaker 1: I said, I'm about to live here.

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Speaker 2: Done, I was born here. So I went to Saint

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Speaker 2: Michael's play they gave me the equivalent of like liquid

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Speaker 2: bena drill. I was like, wait, I didn't even think

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Speaker 2: of take beta drill.

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Speaker 1: So I gave the equivalent of liquid beded drill and

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Speaker 1: a prescription for more benadryl, and then you know, it

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Speaker 1: went down. I got an eight hundred dollars bill, which

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Speaker 1: is that's why I was afraid of and I was like,

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Speaker 1: for liquid beta drill.

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Speaker 2: I can't afford it. So I waited.

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Speaker 1: You know, they sent me the first letter, the second,

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Speaker 1: then the letter became pink, and then the letter was read,

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Speaker 1: which is like pay now or else. And so at

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Speaker 1: the time, so I remember my sister that time was

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Speaker 1: dating her now husband who's in medical school. He was like, no,

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Speaker 1: call them because you might be able to negotiate, and

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Speaker 1: so I was like really, and he said yes because

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Speaker 1: he was like interning at a hospital. And so I

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Speaker 1: called the hospital and was like, you know, I really

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Speaker 1: don't have it. You know, basically, I'm broke. What can

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Speaker 1: I do? And They're like, well, what can you afford?

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Speaker 1: I was like four hundred dollars and they said okay.

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Speaker 1: I was like, wait, two hundred dollars. They're like, no, girl,

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Speaker 1: for you just.

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Speaker 2: And so it was four hundred but I paid it slowly.

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Speaker 1: But it was kind of like the first time that

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Speaker 1: I realized, wait, what medical debt.

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Speaker 2: There's a lot more.

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Speaker 1: Leeway, you know, and so like just I mean, of

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Speaker 1: course you didn't know that then, but you know, now

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Speaker 1: hold that thought before we continue. Let's go to break

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Speaker 1: because you know, we got more to talk about.

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Speaker 2: And here's the thing.

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Speaker 1: I know, fifty thousand sounds like a lot of money,

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Speaker 1: but at one point I was three hundred thousand in

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Speaker 1: debt and now I'm completely debt free, you know. Three

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Speaker 1: hundred I mean, so, of course a lot of it

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Speaker 1: was mortgage, but thirty five thousand was credit card debt,

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Speaker 1: fifty thousand was a student loan debt, and then I

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Speaker 1: had my mortgage, you know, to my home. But I'm

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Speaker 1: just saying all that to say that you know that, yes,

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Speaker 1: it can seem very daunting and overwhelming, but there is

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Speaker 1: a way out. But it typically starts with taking stock

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Speaker 1: of where you are now. And getting yourself to a

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Speaker 1: place where you're living under your means so you can

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Speaker 1: start putting a plan in place. So if that means

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Speaker 1: moving to France and finding like an expensive studio and

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Speaker 1: starting your business with like you know, with like with

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00:16:08,480 --> 00:16:10,960
Speaker 1: your overhead really low so you can pay your bills

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Speaker 1: and work on your debt at the same time, and

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Speaker 1: fileing bankruptcy. If that's what it looks like, then that's

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Speaker 1: what it looks like. If it looks like getting you know,

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Speaker 1: so a roommate to come live with you for like

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Speaker 1: six months to a year, you know, if that's what

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Speaker 1: that looks like, you know, there's no there's no one way,

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Speaker 1: but there has to be something that you're doing. Like

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Speaker 1: standing still is not the answer.

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Speaker 4: We know that I do and I do get frozen.

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Speaker 4: You know. This weekend I put my car out on Toro,

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Speaker 4: so I made just under two hundred bucks for the weekend.

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Speaker 4: It's not great, but it's something I started looking for,

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Speaker 4: like other real estate related jobs, temps jobs that I

359
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Speaker 4: can do. And then when I did have money, I

360
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Speaker 4: was negotiating with each credit card, so I was able

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Speaker 4: to negotiate about fifty to eighty percent off my bill

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Speaker 4: so I had that payment plan in play, and then

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Speaker 4: I finally called and said, I can't pay this anymore.

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Speaker 4: So they delayed the payment and then they put it

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Speaker 4: in smaller payments for the same overall amount, since I

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Speaker 4: had already paid half of the bill. And then I

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Speaker 4: put my pride down and said, I actually need food

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Speaker 4: stamps and I need to apply. So I just got

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Speaker 4: that in place and I'm waiting for that to come through.

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Speaker 4: You know, I'm going to these real estate Christmas parties

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Speaker 4: trying to look fabulous. And then I got my little

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Speaker 4: food stamps card in my wallet, so that's.

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Speaker 2: A good Please.

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Speaker 3: I'm glad you mentioned food stamp because I was gonna

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Speaker 3: ask about food banks or any other even rental assistance programs.

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Speaker 3: I know that the moratorium on evictions because of the pandemic,

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Speaker 3: there were like nationwide and statewide moratoriums they wouldn't evict people.

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Speaker 3: Those are now expired. But for the most part, put

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Speaker 3: in Georgia and in Atlanta, what sort of rental assistant

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Speaker 3: programs might there be that you could apply for?

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Speaker 2: I be looked into that.

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Speaker 4: That is an excellent question. I did apply to rental assistance. However,

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00:18:06,560 --> 00:18:10,080
Speaker 4: they are so behind they cut off the date for

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Speaker 4: the last application just like a month or two or ago,

385
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Speaker 4: and I just got my application in right before the deadline.

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Speaker 4: But because they're so backed up, they haven't sent got

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Speaker 4: a message. I haven't been assigned a processor. So I'm

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Speaker 4: just waiting and my rent is late late, late, and

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Speaker 4: they don't understand that I have to wait and they

390
00:18:32,000 --> 00:18:34,080
Speaker 4: have to wait. It doesn't make sense. So I have

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Speaker 4: my court date of when I will go get the

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Speaker 4: eviction and hopefully that the rental assistance comes before the

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Speaker 4: court date.

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Speaker 3: Is there a way you could update the rental assystems

395
00:18:46,280 --> 00:18:50,000
Speaker 3: people on my court date's coming up? This is happening,

396
00:18:50,040 --> 00:18:51,000
Speaker 3: it's real enough to be.

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Speaker 4: Yes, there's like a third party. They can't see your

398
00:18:54,280 --> 00:18:57,239
Speaker 4: application and you can't talk to the processors there, but

399
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Speaker 4: you can say this application needs to be expedited because

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Speaker 4: she has a court date coming up.

401
00:19:04,880 --> 00:19:06,919
Speaker 3: You want to be a squeaky wheel. I feel like

402
00:19:06,960 --> 00:19:10,119
Speaker 3: with this situation, I get it, though. It's like emotionally

403
00:19:10,160 --> 00:19:12,720
Speaker 3: exhausting and you have to be on top of everything yourself.

404
00:19:13,160 --> 00:19:16,560
Speaker 3: It's like whack a mole, financial whacka mole. There's an

405
00:19:16,560 --> 00:19:18,280
Speaker 3: episode of the podcast I Don't Know if you listen

406
00:19:18,359 --> 00:19:20,840
Speaker 3: to it, and I should have googled the name.

407
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Speaker 2: There's an episode of.

408
00:19:21,960 --> 00:19:25,280
Speaker 3: Brown Ambition where I had a realist, a realtor who

409
00:19:25,320 --> 00:19:28,080
Speaker 3: has a show on AHGTV, gah what's her name? It

410
00:19:28,160 --> 00:19:29,960
Speaker 3: was incredible. I don't know if you heard that episode,

411
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Speaker 3: but she was a realtor during the Great Recession, during

412
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Speaker 3: the housing crisis of two thousand and six through eight,

413
00:19:36,760 --> 00:19:39,920
Speaker 3: and her saving, her savior, she said, was she got

414
00:19:40,520 --> 00:19:43,520
Speaker 3: they have these like little known jobs within the US

415
00:19:43,520 --> 00:19:49,280
Speaker 3: Housing Department through HUD and other like federal agencies where

416
00:19:49,280 --> 00:19:52,679
Speaker 3: they're looking for people to like sell foreclosures and like

417
00:19:52,840 --> 00:19:55,959
Speaker 3: do this sort of like government contract work that's not

418
00:19:56,040 --> 00:19:58,920
Speaker 3: like the sexy realtor jobs. But she was like, this

419
00:19:58,960 --> 00:20:01,440
Speaker 3: is how I paid my bi during this time when

420
00:20:01,720 --> 00:20:04,439
Speaker 3: when no one was selling and you know, my listings

421
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Speaker 3: went down. So that may be an idea. I'm going

422
00:20:06,200 --> 00:20:08,320
Speaker 3: to find that episode for you. So I'm just sitting

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Speaker 3: You're like, what was her name?

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Speaker 4: Thank you, Mandy. I would love to do that. I also,

425
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Speaker 4: do you know referral so if anyone in another state

426
00:20:16,359 --> 00:20:18,240
Speaker 4: needs a realtor, I have. I have a team of

427
00:20:18,280 --> 00:20:21,800
Speaker 4: realtors that I can just connect them with and that

428
00:20:21,840 --> 00:20:23,840
Speaker 4: would be something I could do in France and why

429
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Speaker 4: I'm building up my business.

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Speaker 2: So or if I.

431
00:20:27,359 --> 00:20:32,080
Speaker 4: Yeah and just name page page, turnock up that episode,

432
00:20:32,320 --> 00:20:33,919
Speaker 4: that is something I would love to do here in

433
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Speaker 4: the United States as well.

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Speaker 1: And just think about it this way, that there are

435
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Speaker 1: moments when you can put a band aid on something,

436
00:20:40,480 --> 00:20:44,399
Speaker 1: and there are moments when the decision has to be bigger,

437
00:20:44,600 --> 00:20:47,240
Speaker 1: like it's an amputee, you know what I mean, feels

438
00:20:47,280 --> 00:20:49,359
Speaker 1: like and so know when you have to jump the

439
00:20:49,600 --> 00:20:52,520
Speaker 1: jump over where it's like I've done enough bandages and

440
00:20:52,560 --> 00:20:56,440
Speaker 1: it's just not enough that I have to do something drastic,

441
00:20:57,119 --> 00:20:59,159
Speaker 1: you know, and so we're afraid to do that. And

442
00:20:59,200 --> 00:21:00,800
Speaker 1: I get that, you know, and it's okay to start

443
00:21:00,800 --> 00:21:02,600
Speaker 1: with bandages. But if you feel like, you know what,

444
00:21:02,920 --> 00:21:04,639
Speaker 1: which it sounds like, you know, you're not just sitting

445
00:21:04,680 --> 00:21:06,640
Speaker 1: on your hands. You've done a lot of work already.

446
00:21:06,960 --> 00:21:08,840
Speaker 1: So what it just means is to the indicator that

447
00:21:08,880 --> 00:21:12,640
Speaker 1: it might require a big overture. You know, it might

448
00:21:12,680 --> 00:21:16,520
Speaker 1: require like moving or bankruptcy, you know.

449
00:21:16,560 --> 00:21:18,400
Speaker 2: File for BA. You know, it might require that. That's

450
00:21:18,400 --> 00:21:19,240
Speaker 2: what it sounds like you're.

451
00:21:19,080 --> 00:21:21,919
Speaker 1: Getting to and what's on the other side of that,

452
00:21:22,040 --> 00:21:23,879
Speaker 1: at least as you can start to work towards freedom.

453
00:21:23,920 --> 00:21:26,480
Speaker 1: It seems so big and so bad, and I look

454
00:21:26,520 --> 00:21:28,040
Speaker 1: back at it now, I mean, I tried everything not

455
00:21:28,080 --> 00:21:30,119
Speaker 1: to lose my house, and then I did, and I

456
00:21:30,200 --> 00:21:33,800
Speaker 1: was like, oh, Okay, it wasn't so bad, you know

457
00:21:33,800 --> 00:21:35,399
Speaker 1: what I mean, Like because here I'm now I'm in

458
00:21:35,400 --> 00:21:37,800
Speaker 1: the house now, you know what I mean. And it

459
00:21:37,880 --> 00:21:39,640
Speaker 1: was like, knowing what I know, now, I'm not gonna lie.

460
00:21:39,680 --> 00:21:42,240
Speaker 1: I wish I would have let it go sooner, because

461
00:21:42,320 --> 00:21:45,000
Speaker 1: I threw tens of thousands of dollars at a house

462
00:21:45,040 --> 00:21:46,959
Speaker 1: that I was no longer going to keep, like at

463
00:21:47,040 --> 00:21:48,800
Speaker 1: least thirty thousand, because I took all the money out

464
00:21:48,800 --> 00:21:51,159
Speaker 1: of my retirement account put it toward the house to

465
00:21:51,240 --> 00:21:51,840
Speaker 1: save it.

466
00:21:52,320 --> 00:21:53,199
Speaker 2: Only to lose it.

467
00:21:53,280 --> 00:21:55,359
Speaker 1: And I was like, oh man, I could have lost

468
00:21:55,359 --> 00:21:58,720
Speaker 1: it the year prior or whatever. It kept my thirty

469
00:21:58,760 --> 00:22:02,440
Speaker 1: thousand dollars, you know. And so sometimes the bandages do

470
00:22:02,800 --> 00:22:05,359
Speaker 1: more harm than good. So just consider that, like, you

471
00:22:05,440 --> 00:22:07,560
Speaker 1: know what, it might be time to take this big leap,

472
00:22:07,880 --> 00:22:11,679
Speaker 1: because these bandages might actually just be elongating, you know,

473
00:22:11,800 --> 00:22:13,840
Speaker 1: and making the situation worse.

474
00:22:14,240 --> 00:22:17,600
Speaker 4: Well, this is confirmation I really appreciate that everything you

475
00:22:17,600 --> 00:22:20,760
Speaker 4: guys have said, I'm going to apply and get moving

476
00:22:21,600 --> 00:22:22,600
Speaker 4: glad literally.

477
00:22:22,520 --> 00:22:26,200
Speaker 3: Tina, you have everything you need to bounce back. Thank

478
00:22:26,200 --> 00:22:28,680
Speaker 3: you for being so candid and for sharing so openly too,

479
00:22:29,520 --> 00:22:31,679
Speaker 3: because I know that you're not alone, and there's so

480
00:22:31,680 --> 00:22:33,800
Speaker 3: many people out there silently going through what you're going

481
00:22:33,800 --> 00:22:35,439
Speaker 3: through and they're ashamed of it. And I feel like

482
00:22:36,400 --> 00:22:38,440
Speaker 3: owning your story and this is just the beginning, and

483
00:22:38,520 --> 00:22:41,399
Speaker 3: you're going to have a fabulous comeback story, like you know,

484
00:22:41,480 --> 00:22:43,800
Speaker 3: like Tiff, like everyone else in their lives, like You're

485
00:22:43,840 --> 00:22:44,440
Speaker 3: going to be great.

486
00:22:44,600 --> 00:22:47,320
Speaker 4: Thank you living up to my name real talk Tina,

487
00:22:47,440 --> 00:22:51,359
Speaker 4: trying to be as authentic as possible and real. So

488
00:22:51,480 --> 00:22:52,000
Speaker 4: here is the.

489
00:22:52,080 --> 00:22:54,800
Speaker 3: Only way you get real advice. You have real guidance.

490
00:22:54,800 --> 00:22:56,320
Speaker 3: So thank you for that.

491
00:22:56,359 --> 00:22:57,080
Speaker 2: Thank you, je me.

492
00:22:57,640 --> 00:22:59,040
Speaker 1: This is going to help so many people because a

493
00:22:59,040 --> 00:23:01,400
Speaker 1: lot of people don't want to say the struggle they're

494
00:23:01,480 --> 00:23:04,159
Speaker 1: going through, and so you coming on and sharing it

495
00:23:04,200 --> 00:23:06,440
Speaker 1: is really going to free someone else to say me too.

496
00:23:06,600 --> 00:23:08,600
Speaker 2: And this was really helpful. So thank you. Tella.

497
00:23:09,760 --> 00:23:11,760
Speaker 3: If you are looking to sell a home in Atlanta,

498
00:23:11,760 --> 00:23:14,520
Speaker 3: where can they find you, Tina? In case we got

499
00:23:14,560 --> 00:23:15,320
Speaker 3: some listeners Oh.

500
00:23:15,280 --> 00:23:18,200
Speaker 4: Yes, I'm in Atlanta. You can find me. I live

501
00:23:18,240 --> 00:23:22,560
Speaker 4: in Midtown right now. Yeah, but you can find me.

502
00:23:22,720 --> 00:23:30,159
Speaker 4: I'm real Talk Tina on any social media platform YouTube, ig, TikTok.

503
00:23:30,800 --> 00:23:35,159
Speaker 3: Okay, okay, awesome, all right, fabulous. If y'all got real

504
00:23:35,280 --> 00:23:36,359
Speaker 3: estate needs, talk to Tino.

505
00:23:36,400 --> 00:23:39,040
Speaker 2: Okay, all right, y'all.

506
00:23:39,040 --> 00:23:40,720
Speaker 1: If you want to be in the hot seat over

507
00:23:40,760 --> 00:23:44,600
Speaker 1: here at b a q A, you can Maybe you

508
00:23:44,680 --> 00:23:47,639
Speaker 1: have to be like Tina and send us either an

509
00:23:47,720 --> 00:23:51,640
Speaker 1: email to brannanbischon podcast dot com. There is a ask

510
00:23:51,760 --> 00:23:54,560
Speaker 1: us anything or or contact us and so you can

511
00:23:54,600 --> 00:23:56,800
Speaker 1: send a note there. We can read your stuff aloud

512
00:23:57,080 --> 00:24:01,040
Speaker 1: or and you can hit us up on Instagram Bound

513
00:24:01,040 --> 00:24:03,359
Speaker 1: of Pision podcast and if you send us a voice

514
00:24:03,359 --> 00:24:07,639
Speaker 1: and note, our producer Imani will take a listen and

515
00:24:07,680 --> 00:24:09,720
Speaker 1: she thinks you're fit. She'll invite you into studio. You

516
00:24:09,760 --> 00:24:13,160
Speaker 1: guys can chat with us. So hopefully you enjoyed.

517
00:24:13,680 --> 00:24:17,960
Speaker 3: Thanks Tina to meet you, Hey ba fan, We could

518
00:24:17,960 --> 00:24:20,560
Speaker 3: not do this show without your support or the support

519
00:24:20,600 --> 00:24:23,159
Speaker 3: of our team behind the scenes. The Brown and Mission

520
00:24:23,200 --> 00:24:26,960
Speaker 3: podcast is produced by Cumulus Podcast Network. It's edited by

521
00:24:27,000 --> 00:24:30,520
Speaker 3: the wonderful Emani Crosby and produced by Tanya Bustos.

522
00:24:30,880 --> 00:24:32,240
Speaker 2: Dennistimplinsky is our

523
00:24:32,240 --> 00:24:35,560
Speaker 3: In house tech curu, and I am Bandy Woodrid Santos

524
00:24:35,600 --> 00:24:40,479
Speaker 3: your co host, and I will see y'all next week