Speaker 1: It's time for the b a q a A to
Speaker 1: b a q A what you say the b a
Speaker 1: q A man day, the b a q A with
Speaker 1: Tiffan Ay, the b a q A brought a bit
Speaker 1: of your question and answer. Yes, we are Tiffany and Mandy,
Speaker 1: and although we're not your therapist, you're your personal financial advisor,
Speaker 1: your accountants, your attorney.
Speaker 2: We are two.
Speaker 1: Smart brown girls who know a thing about money, personal finances,
Speaker 1: career and business.
Speaker 2: And so you know we're in studio just to answer
Speaker 2: your questions.
Speaker 3: Yeah, and today we got a real talk Tina with
Speaker 3: a current hot seat. I had to read your whole
Speaker 3: name because that's amazing. Thanks so much for joining BA.
Speaker 3: So wait, you already know each other.
Speaker 1: Well, we had tape before, you know, Mandy when you
Speaker 1: use out with the with the coude. But I guess
Speaker 1: there was some technical difficulty and so we got real
Speaker 1: talk to you to back in the studio.
Speaker 4: Thank you for having me. You're also my mentor because
Speaker 4: i'm your mentee. Yes, it's been so helpful to me.
Speaker 4: You just dropped so much great information to improve my
Speaker 4: life as an entrepreneur and I just love it.
Speaker 2: Thank you.
Speaker 1: Because Randy was out, and so we were like, we
Speaker 1: had to get some guests. And so I was like,
Speaker 1: you know what, while man is out, let me get
Speaker 1: some business guests. So so I dropped in the mentee
Speaker 1: chat and said, hey, if any mentees want to come on,
Speaker 1: so ask them their ask some business questions or even
Speaker 1: personal finance questions come on through.
Speaker 2: So so, yeah, that's what's going on here.
Speaker 3: All right, Well, it'll be my first time hearing your question.
Speaker 3: That's your question.
Speaker 4: Well, I think last time I asked it was definitely
Speaker 4: about finances. I am an entrepreneur. I'm a realtor. I
Speaker 4: talk about just real estate. I do real estate here
Speaker 4: in Atlanta, Georgia, but I also do you know, I
Speaker 4: have a blog. I write about relationships and travel. So
Speaker 4: the market has slowed a bit. It's a great market,
Speaker 4: but it's definitely was a transition for me. And my
Speaker 4: finances were not good to start with. After the pandemic.
Speaker 4: I had some health issues. I had surgery and I
Speaker 4: was just getting back from that. And then now my
Speaker 4: income as an entrepreneur real estate agent has stopped completely.
Speaker 4: So it's not just like I had debt before. Now
Speaker 4: I have I'm laid on my rent and they don't
Speaker 4: have a ban where if you're laid on your rent
Speaker 4: you don't get evicted. They start that process right away.
Speaker 4: So I'm just wondering what to do. I'm trying to,
Speaker 4: you know, try to get clients and trying to do
Speaker 4: all these marketing and meanwhile I'm dealing with where do
Speaker 4: I live, how do I pay off my debt, how
Speaker 4: do I keep my car? And my family is getting
Speaker 4: tired of me. So it's stressful.
Speaker 1: First, I want to say, honestly, Tina, it's so crazy
Speaker 1: that you said this, because I just saw an article
Speaker 1: today literally, like I think it was Yahoo Finance, and
Speaker 1: it was like it was I forget what percentage of
Speaker 1: realtors are later on their rent, like were lading on
Speaker 1: the rent November that like that that's a number that
Speaker 1: they're watching. A number of realtors are later in their rent.
Speaker 1: It's a number that they're watching, like as an indicator
Speaker 1: to what's happening in the housing market, because less homes
Speaker 1: are being sold, homes are being sold for you know,
Speaker 1: home prices are going down, not rapidly so, but they're
Speaker 1: going down, and less people are listing because you know,
Speaker 1: they said, you know, the listing numbers are are down
Speaker 1: to like twenty twenty levels. So what you're feeling is
Speaker 1: not a tinage made a mistake thing.
Speaker 2: It's a this is what's happening.
Speaker 1: So I just want you to acknowledge because sometimes we
Speaker 1: have to acknowledge that, like you know, certainly you know
Speaker 1: it's good to take responsibility for like where we are,
Speaker 1: which is important, but it's also important to acknowledge that
Speaker 1: there are outside circumstances that are aiding or creating the environment.
Speaker 1: So the environment that you're in is not one that
Speaker 1: you created, you know, as far as like these outside circumstances, and.
Speaker 4: That's good to knowny times, I think I'm the only one,
Speaker 4: like you know, no one else is right laid on
Speaker 4: their rent. Like I'm in my forties, I'm not twenty anymore.
Speaker 2: It's just me.
Speaker 4: So that's that's comforting to know, but it's disappointing as well.
Speaker 3: Yeah, how long have you been in the real estate business.
Speaker 4: I've actually been a realtor for six years.
Speaker 3: Six years? Okay, I do this is your first kind
Speaker 3: of experience with a real difficult sort of housing economy, right.
Speaker 4: No, I mean I did have I do want to
Speaker 4: just say to everyone check your adrenals. I had a
Speaker 4: lot of adrenal issues, so I had to get my
Speaker 4: adrenal removed. So I wasn't able to work a lot
Speaker 4: of those years where I was sick. So I have
Speaker 4: had just a lot of stops and goes. It's not
Speaker 4: just this time. It's just that I was actually getting
Speaker 4: on my feet and doing quite well, closing every single month.
Speaker 4: You know, I felt healthy, and I was like paying
Speaker 4: off my debt. You know, I was just so proud
Speaker 4: to pay off my debt. During the pandemic, I did
Speaker 4: not have a car. I actually did have a chance
Speaker 4: to travel, but only on a like a bootstring budget,
Speaker 4: a very low budget. And then I came back and
Speaker 4: I tried to build myself up again and I didn't
Speaker 4: have a car, and I was finally able to buy
Speaker 4: a car this year, pay it every month, automatically, pay
Speaker 4: my rent automatically. I was doing great. So I'm forty
Speaker 4: two and I just feel like during college was probably
Speaker 4: the last time I had a roommate and it was
Speaker 4: just so problematic. Maybe I was younger than I just
Speaker 4: feel like me as a very sensitive person, I like
Speaker 4: space to myself. I just feel like it would be
Speaker 4: a worse problem. But maybe I need to come down
Speaker 4: and really look at the situation and say I can't
Speaker 4: have what I want. I need to do what I
Speaker 4: need to do. Now, what do you think?
Speaker 3: I think you got to throw out that version of
Speaker 3: yourself that you're comparing yourself to, like where you think
Speaker 3: you ought to be right now at your age, which
Speaker 3: you're still young.
Speaker 2: Okay, girl forty three, look at a horn. You're doing
Speaker 2: what only baby on here.
Speaker 3: If any wedden always doing well?
Speaker 2: No, girl, I am both out of rock bottoms.
Speaker 3: Yeah, but you really I think it's like we think
Speaker 3: we're comparing ourselves to like Instagram models, but I think
Speaker 3: so often it's like that version of ourselves that we
Speaker 3: think we ought to be at wherever we are in
Speaker 3: our lives because that person, like comparing yourself to her
Speaker 3: and where you think you are, like, that's holding you
Speaker 3: back from saving yourself and from you know, taking the steps.
Speaker 3: It's only temporary, like you're gonna get back on your feet,
Speaker 3: the housing work. It will bounce back. It does, But
Speaker 3: for now, I I think it's about what are the
Speaker 3: resources you can lean on for help because you need help.
Speaker 3: Roommain is one option. Do you have family you could
Speaker 3: stay with in the meantime.
Speaker 4: I think me and my family both know that they'd
Speaker 4: rather give me money for hold on before we move
Speaker 4: in back together. My family is in Michigan. I just
Speaker 4: don't feel like it's a good market for me to
Speaker 4: prosper in and environment. But I do appreciate my family
Speaker 4: for all they've done.
Speaker 1: So I just say, like, during times like this, it's like,
Speaker 1: you do what you have to do until you do
Speaker 1: what you can do what you want to do. So
Speaker 1: you do what you have to do until you do
Speaker 1: what you want to do. And so ideally the solution
Speaker 1: would be to do whatever I want and then it
Speaker 1: works out. But you know, there are moments we all
Speaker 1: know in life that that's just not how that goes.
Speaker 1: Sometimes it's like, okay, So, like when i'd lost my
Speaker 1: job when I was a teacher and I was I
Speaker 1: remember I was thirty, I ended moving back home with
Speaker 1: my parents. It was not ideal because they're Nigerian and
Speaker 1: the curfew was still midnight.
Speaker 2: They don't give a damn how old you are. I
Speaker 2: was literally like.
Speaker 1: Thirty my dad's and if you came back long minute
Speaker 1: after midnight, this door would be locked.
Speaker 2: You will sleep wherever you were, wherever you were. I
Speaker 2: was like, what kind of life is this?
Speaker 1: It was a life of a thirty ye row who
Speaker 1: didn't have the mortgage money for her place. And if
Speaker 1: I was going to live with my parents, this is
Speaker 1: what the rule was. Then I moved in with my
Speaker 1: sister for like a year, you know, I told her
Speaker 1: three months she was like girl. After like a year,
Speaker 1: she was sick of my stuff. It was like, get out.
Speaker 1: And then I moved in with like a friend of
Speaker 1: mine who was renting a room in a home, and
Speaker 1: so it was like four or five of us each
Speaker 1: renting a room. I did that honestly until thirty four.
Speaker 1: So from like twenty nine to thirty four, you know,
Speaker 1: I was like bopping around and bouncing trying to figure
Speaker 1: it out, and so is it something that I'm wanting
Speaker 1: to do, Like, oh my gosh, you know, this is
Speaker 1: so great renting a room, like I just came home
Speaker 1: from jail now, But it's what I had to do
Speaker 1: in that moment to create a financial foundation for myself,
Speaker 1: you know. Same, I had like this old Ragley car
Speaker 1: that I could I didn't really drive. I either walked
Speaker 1: everywhere I took public transportation and so it wasn't easy.
Speaker 1: But I also reminded myself this is temporary, you know,
Speaker 1: because I am actively working on a stronger financial foundation.
Speaker 1: I had all this debt that had to get rid
Speaker 1: of the house, you know, they had lost to foreclosure.
Speaker 1: But I started to build my business from a place
Speaker 1: of underspending finally, you know, and then I got.
Speaker 2: On my feet.
Speaker 1: And so I just say all that to say that, like,
Speaker 1: you know, I mean, whether you're forty two fifty two,
Speaker 1: I mean, I get it, because it feels like I'm
Speaker 1: supposed to be grown, and I thought I thirty, I
Speaker 1: was supposed to be grown. I shouldn't be going through this,
Speaker 1: you know. But the truth is, okay, understood, Tiffany.
Speaker 2: But we're here. So what you're gonna do?
Speaker 1: Because the thing is is that if you avoid making
Speaker 1: the choices, life gonna make the choice for you.
Speaker 4: Yeah. I did actually talk to a lawyer, and he
Speaker 4: did say that my of my options were to file
Speaker 4: Chapter seven and that way it can start all over.
Speaker 4: I know when people when I say, oh I moved
Speaker 4: to France, are like, oh gosh, this girl is not
Speaker 4: trying to save But when I lived in France. I
Speaker 4: lived in a studio by myself with my dog. It
Speaker 4: costs four hundred and eighty five year old a month,
Speaker 4: and I didn't have a car, took the bus, I
Speaker 4: walked everywhere. I was living the life on a real
Speaker 4: small budget. So I'm really thinking about file filing Chapter seven,
Speaker 4: going overseas and just building my life there if I can.
Speaker 3: I feel like the filing bankruptcy. I mean, that option
Speaker 3: is there for a reason. There's no shame in taking
Speaker 3: that option. Very scary because most of your debt you
Speaker 3: said it's medical and also like consumer debt, like credit cards.
Speaker 4: I actually didn't do that smart thing. I tried to
Speaker 4: pay all my medical bills and I put all my
Speaker 4: monthly expenses on my credit card. I had eight hundred
Speaker 4: credit at the time. I had eight hundred credit all
Speaker 4: my adult life, and then when I just couldn't keep up,
Speaker 4: I put everything on the credit card that was not medical.
Speaker 4: So I have ten thousand hours worth of debt.
Speaker 3: Well, yeah, with medical debt. I mean, Tiff, what kind
Speaker 3: of advice do you give when it comes to like
Speaker 3: which one? I know we can't turn at the clock,
Speaker 3: but when it comes to deciding do I pay on
Speaker 3: this medical debt versus you know, putting my life on credit?
Speaker 3: What do you think about that, Tiff. I know that
Speaker 3: there's like income or sorry, low income assistance like for
Speaker 3: medical bills and things.
Speaker 1: Like that at hospitals and too, they have a law
Speaker 1: in place where like the way medical debt hits your
Speaker 1: credit is not as detrimental as it wants used to
Speaker 1: be because they acknowledge it's not you being financially quote
Speaker 1: unquote irresponsible. So just in general, like if anyone's listening
Speaker 1: and they're like they're having to choose between medical debt
Speaker 1: and their bills, you know, with the money that you
Speaker 1: actually have that coming in medical debt, there's more leeway
Speaker 1: with how to navigate from creditors, from the credit bureaus.
Speaker 2: And so if you have if you.
Speaker 1: Could only choose one and less, not paying the medical
Speaker 1: debt will mean that you can't have access to whatever
Speaker 1: the medicine is.
Speaker 2: That's different obviously, you know.
Speaker 1: But yeah, then paying like your your personal bills and
Speaker 1: then working it out with medical debt, because there are
Speaker 1: some it might be a lot of paperwork, but there
Speaker 1: are some things in place, like one like I call
Speaker 1: myself one time, like dyeing like my hair, because my
Speaker 1: friend Joy used to always like when I got because
Speaker 1: I used to get I used to get gray, like
Speaker 1: I've been getting grade since I was like twenty six,
Speaker 1: So I like, I started with like one gray eyelash
Speaker 1: and now like all my lashes are great, but you know, mascaro,
Speaker 1: you can't see it.
Speaker 2: But I still have little grades which they will stay.
Speaker 1: Because my friend Joy used to what I thought was
Speaker 1: dye my hair every like I don't know a few
Speaker 1: months or so, but she was using a rinse.
Speaker 2: I didn't know that.
Speaker 1: And then one day it was like, oh, my do myself,
Speaker 1: George is this is one of my many roommates when
Speaker 1: I was living in the house, like we all just
Speaker 1: came home from jail.
Speaker 2: So Joy was like she always dyed her hair and whatever.
Speaker 2: I was like, ooh can you.
Speaker 1: I'm like, I have like one of two grades, and
Speaker 1: she was like, oh, you know, I thought it was
Speaker 1: like I said, I thought it was a die. So
Speaker 1: then I decided I was going to do it myself
Speaker 1: because she had done it a couple I'm like, I
Speaker 1: can do it. And she wasn't living in the house anymore.
Speaker 1: And the next morning I was like oof, like I
Speaker 1: had this like bubble under my skin that grew. I
Speaker 1: don't know if anybody remembers a movie mask.
Speaker 2: From Share though.
Speaker 1: Literally though my whole face was like it was like
Speaker 1: liquid under my face. It exploded and I was so scared.
Speaker 1: But I had no money, so I was like, maybe
Speaker 1: it'll go away. So I called my mother and it
Speaker 1: was like my mother's a nurse. I sent her a picture.
Speaker 1: She was like, are you are you kidding me, Tiffany.
Speaker 1: You need to go to a mergency room right away.
Speaker 1: You're having an extreme allergic reaction. And I googled it
Speaker 1: that some people are allergic to black hair dye. You're
Speaker 1: supposed to do a test. I did not know, you know,
Speaker 1: because I assumed I had been getting it done. But
Speaker 1: it was a rent, which is not the same. There's
Speaker 1: something a black hair dye that some people have a
Speaker 1: severe allergic reaction to, and ding ding ding. I was
Speaker 1: one of them people. But I waited out for like
Speaker 1: two days until it got worse and worse. I was like,
Speaker 1: oh my god, oh my god, oh my god. And
Speaker 1: literally there's a hospital like not even a half a
Speaker 1: block up the street. Actually the hospital where I was
Speaker 1: born Saint Michael's in Newark. I lived on the same street.
Speaker 1: I said, I'm about to live here.
Speaker 2: Done, I was born here. So I went to Saint
Speaker 2: Michael's play they gave me the equivalent of like liquid
Speaker 2: bena drill. I was like, wait, I didn't even think
Speaker 2: of take beta drill.
Speaker 1: So I gave the equivalent of liquid beded drill and
Speaker 1: a prescription for more benadryl, and then you know, it
Speaker 1: went down. I got an eight hundred dollars bill, which
Speaker 1: is that's why I was afraid of and I was like,
Speaker 1: for liquid beta drill.
Speaker 2: I can't afford it. So I waited.
Speaker 1: You know, they sent me the first letter, the second,
Speaker 1: then the letter became pink, and then the letter was read,
Speaker 1: which is like pay now or else. And so at
Speaker 1: the time, so I remember my sister that time was
Speaker 1: dating her now husband who's in medical school. He was like, no,
Speaker 1: call them because you might be able to negotiate, and
Speaker 1: so I was like really, and he said yes because
Speaker 1: he was like interning at a hospital. And so I
Speaker 1: called the hospital and was like, you know, I really
Speaker 1: don't have it. You know, basically, I'm broke. What can
Speaker 1: I do? And They're like, well, what can you afford?
Speaker 1: I was like four hundred dollars and they said okay.
Speaker 1: I was like, wait, two hundred dollars. They're like, no, girl,
Speaker 1: for you just.
Speaker 2: And so it was four hundred but I paid it slowly.
Speaker 1: But it was kind of like the first time that
Speaker 1: I realized, wait, what medical debt.
Speaker 2: There's a lot more.
Speaker 1: Leeway, you know, and so like just I mean, of
Speaker 1: course you didn't know that then, but you know, now
Speaker 1: hold that thought before we continue. Let's go to break
Speaker 1: because you know, we got more to talk about.
Speaker 2: And here's the thing.
Speaker 1: I know, fifty thousand sounds like a lot of money,
Speaker 1: but at one point I was three hundred thousand in
Speaker 1: debt and now I'm completely debt free, you know. Three
Speaker 1: hundred I mean, so, of course a lot of it
Speaker 1: was mortgage, but thirty five thousand was credit card debt,
Speaker 1: fifty thousand was a student loan debt, and then I
Speaker 1: had my mortgage, you know, to my home. But I'm
Speaker 1: just saying all that to say that you know that, yes,
Speaker 1: it can seem very daunting and overwhelming, but there is
Speaker 1: a way out. But it typically starts with taking stock
Speaker 1: of where you are now. And getting yourself to a
Speaker 1: place where you're living under your means so you can
Speaker 1: start putting a plan in place. So if that means
Speaker 1: moving to France and finding like an expensive studio and
Speaker 1: starting your business with like you know, with like with
Speaker 1: your overhead really low so you can pay your bills
Speaker 1: and work on your debt at the same time, and
Speaker 1: fileing bankruptcy. If that's what it looks like, then that's
Speaker 1: what it looks like. If it looks like getting you know,
Speaker 1: so a roommate to come live with you for like
Speaker 1: six months to a year, you know, if that's what
Speaker 1: that looks like, you know, there's no there's no one way,
Speaker 1: but there has to be something that you're doing. Like
Speaker 1: standing still is not the answer.
Speaker 4: We know that I do and I do get frozen.
Speaker 4: You know. This weekend I put my car out on Toro,
Speaker 4: so I made just under two hundred bucks for the weekend.
Speaker 4: It's not great, but it's something I started looking for,
Speaker 4: like other real estate related jobs, temps jobs that I
Speaker 4: can do. And then when I did have money, I
Speaker 4: was negotiating with each credit card, so I was able
Speaker 4: to negotiate about fifty to eighty percent off my bill
Speaker 4: so I had that payment plan in play, and then
Speaker 4: I finally called and said, I can't pay this anymore.
Speaker 4: So they delayed the payment and then they put it
Speaker 4: in smaller payments for the same overall amount, since I
Speaker 4: had already paid half of the bill. And then I
Speaker 4: put my pride down and said, I actually need food
Speaker 4: stamps and I need to apply. So I just got
Speaker 4: that in place and I'm waiting for that to come through.
Speaker 4: You know, I'm going to these real estate Christmas parties
Speaker 4: trying to look fabulous. And then I got my little
Speaker 4: food stamps card in my wallet, so that's.
Speaker 2: A good Please.
Speaker 3: I'm glad you mentioned food stamp because I was gonna
Speaker 3: ask about food banks or any other even rental assistance programs.
Speaker 3: I know that the moratorium on evictions because of the pandemic,
Speaker 3: there were like nationwide and statewide moratoriums they wouldn't evict people.
Speaker 3: Those are now expired. But for the most part, put
Speaker 3: in Georgia and in Atlanta, what sort of rental assistant
Speaker 3: programs might there be that you could apply for?
Speaker 2: I be looked into that.
Speaker 4: That is an excellent question. I did apply to rental assistance. However,
Speaker 4: they are so behind they cut off the date for
Speaker 4: the last application just like a month or two or ago,
Speaker 4: and I just got my application in right before the deadline.
Speaker 4: But because they're so backed up, they haven't sent got
Speaker 4: a message. I haven't been assigned a processor. So I'm
Speaker 4: just waiting and my rent is late late, late, and
Speaker 4: they don't understand that I have to wait and they
Speaker 4: have to wait. It doesn't make sense. So I have
Speaker 4: my court date of when I will go get the
Speaker 4: eviction and hopefully that the rental assistance comes before the
Speaker 4: court date.
Speaker 3: Is there a way you could update the rental assystems
Speaker 3: people on my court date's coming up? This is happening,
Speaker 3: it's real enough to be.
Speaker 4: Yes, there's like a third party. They can't see your
Speaker 4: application and you can't talk to the processors there, but
Speaker 4: you can say this application needs to be expedited because
Speaker 4: she has a court date coming up.
Speaker 3: You want to be a squeaky wheel. I feel like
Speaker 3: with this situation, I get it, though. It's like emotionally
Speaker 3: exhausting and you have to be on top of everything yourself.
Speaker 3: It's like whack a mole, financial whacka mole. There's an
Speaker 3: episode of the podcast I Don't Know if you listen
Speaker 3: to it, and I should have googled the name.
Speaker 2: There's an episode of.
Speaker 3: Brown Ambition where I had a realist, a realtor who
Speaker 3: has a show on AHGTV, gah what's her name? It
Speaker 3: was incredible. I don't know if you heard that episode,
Speaker 3: but she was a realtor during the Great Recession, during
Speaker 3: the housing crisis of two thousand and six through eight,
Speaker 3: and her saving, her savior, she said, was she got
Speaker 3: they have these like little known jobs within the US
Speaker 3: Housing Department through HUD and other like federal agencies where
Speaker 3: they're looking for people to like sell foreclosures and like
Speaker 3: do this sort of like government contract work that's not
Speaker 3: like the sexy realtor jobs. But she was like, this
Speaker 3: is how I paid my bi during this time when
Speaker 3: when no one was selling and you know, my listings
Speaker 3: went down. So that may be an idea. I'm going
Speaker 3: to find that episode for you. So I'm just sitting
Speaker 3: You're like, what was her name?
Speaker 4: Thank you, Mandy. I would love to do that. I also,
Speaker 4: do you know referral so if anyone in another state
Speaker 4: needs a realtor, I have. I have a team of
Speaker 4: realtors that I can just connect them with and that
Speaker 4: would be something I could do in France and why
Speaker 4: I'm building up my business.
Speaker 2: So or if I.
Speaker 4: Yeah and just name page page, turnock up that episode,
Speaker 4: that is something I would love to do here in
Speaker 4: the United States as well.
Speaker 1: And just think about it this way, that there are
Speaker 1: moments when you can put a band aid on something,
Speaker 1: and there are moments when the decision has to be bigger,
Speaker 1: like it's an amputee, you know what I mean, feels
Speaker 1: like and so know when you have to jump the
Speaker 1: jump over where it's like I've done enough bandages and
Speaker 1: it's just not enough that I have to do something drastic,
Speaker 1: you know, and so we're afraid to do that. And
Speaker 1: I get that, you know, and it's okay to start
Speaker 1: with bandages. But if you feel like, you know what,
Speaker 1: which it sounds like, you know, you're not just sitting
Speaker 1: on your hands. You've done a lot of work already.
Speaker 1: So what it just means is to the indicator that
Speaker 1: it might require a big overture. You know, it might
Speaker 1: require like moving or bankruptcy, you know.
Speaker 2: File for BA. You know, it might require that. That's
Speaker 2: what it sounds like you're.
Speaker 1: Getting to and what's on the other side of that,
Speaker 1: at least as you can start to work towards freedom.
Speaker 1: It seems so big and so bad, and I look
Speaker 1: back at it now, I mean, I tried everything not
Speaker 1: to lose my house, and then I did, and I
Speaker 1: was like, oh, Okay, it wasn't so bad, you know
Speaker 1: what I mean, Like because here I'm now I'm in
Speaker 1: the house now, you know what I mean. And it
Speaker 1: was like, knowing what I know, now, I'm not gonna lie.
Speaker 1: I wish I would have let it go sooner, because
Speaker 1: I threw tens of thousands of dollars at a house
Speaker 1: that I was no longer going to keep, like at
Speaker 1: least thirty thousand, because I took all the money out
Speaker 1: of my retirement account put it toward the house to
Speaker 1: save it.
Speaker 2: Only to lose it.
Speaker 1: And I was like, oh man, I could have lost
Speaker 1: it the year prior or whatever. It kept my thirty
Speaker 1: thousand dollars, you know. And so sometimes the bandages do
Speaker 1: more harm than good. So just consider that, like, you
Speaker 1: know what, it might be time to take this big leap,
Speaker 1: because these bandages might actually just be elongating, you know,
Speaker 1: and making the situation worse.
Speaker 4: Well, this is confirmation I really appreciate that everything you
Speaker 4: guys have said, I'm going to apply and get moving
Speaker 4: glad literally.
Speaker 3: Tina, you have everything you need to bounce back. Thank
Speaker 3: you for being so candid and for sharing so openly too,
Speaker 3: because I know that you're not alone, and there's so
Speaker 3: many people out there silently going through what you're going
Speaker 3: through and they're ashamed of it. And I feel like
Speaker 3: owning your story and this is just the beginning, and
Speaker 3: you're going to have a fabulous comeback story, like you know,
Speaker 3: like Tiff, like everyone else in their lives, like You're
Speaker 3: going to be great.
Speaker 4: Thank you living up to my name real talk Tina,
Speaker 4: trying to be as authentic as possible and real. So
Speaker 4: here is the.
Speaker 3: Only way you get real advice. You have real guidance.
Speaker 3: So thank you for that.
Speaker 2: Thank you, je me.
Speaker 1: This is going to help so many people because a
Speaker 1: lot of people don't want to say the struggle they're
Speaker 1: going through, and so you coming on and sharing it
Speaker 1: is really going to free someone else to say me too.
Speaker 2: And this was really helpful. So thank you. Tella.
Speaker 3: If you are looking to sell a home in Atlanta,
Speaker 3: where can they find you, Tina? In case we got
Speaker 3: some listeners Oh.
Speaker 4: Yes, I'm in Atlanta. You can find me. I live
Speaker 4: in Midtown right now. Yeah, but you can find me.
Speaker 4: I'm real Talk Tina on any social media platform YouTube, ig, TikTok.
Speaker 3: Okay, okay, awesome, all right, fabulous. If y'all got real
Speaker 3: estate needs, talk to Tino.
Speaker 2: Okay, all right, y'all.
Speaker 1: If you want to be in the hot seat over
Speaker 1: here at b a q A, you can Maybe you
Speaker 1: have to be like Tina and send us either an
Speaker 1: email to brannanbischon podcast dot com. There is a ask
Speaker 1: us anything or or contact us and so you can
Speaker 1: send a note there. We can read your stuff aloud
Speaker 1: or and you can hit us up on Instagram Bound
Speaker 1: of Pision podcast and if you send us a voice
Speaker 1: and note, our producer Imani will take a listen and
Speaker 1: she thinks you're fit. She'll invite you into studio. You
Speaker 1: guys can chat with us. So hopefully you enjoyed.
Speaker 3: Thanks Tina to meet you, Hey ba fan, We could
Speaker 3: not do this show without your support or the support
Speaker 3: of our team behind the scenes. The Brown and Mission
Speaker 3: podcast is produced by Cumulus Podcast Network. It's edited by
Speaker 3: the wonderful Emani Crosby and produced by Tanya Bustos.
Speaker 2: Dennistimplinsky is our
Speaker 3: In house tech curu, and I am Bandy Woodrid Santos
Speaker 3: your co host, and I will see y'all next week