1 00:00:16,360 --> 00:00:21,919 Speaker 1: Hey, Hey, we're back. We're black, We're brown. I'm tippinging. 2 00:00:22,520 --> 00:00:23,480 Speaker 2: Hey, guys, this Mandy. 3 00:00:24,320 --> 00:00:27,480 Speaker 1: You know that's where like it's like, I don't know 4 00:00:27,520 --> 00:00:29,240 Speaker 1: if you've ever seen my IG stories, like whenever I 5 00:00:29,240 --> 00:00:32,159 Speaker 1: travel with Drina, you and Drina are like the straight 6 00:00:32,240 --> 00:00:35,280 Speaker 1: the straight guy and what is the other person's like title, 7 00:00:35,880 --> 00:00:40,800 Speaker 1: goofball something, because I'm always like, hey, Drina, Adrina looks 8 00:00:40,800 --> 00:00:42,320 Speaker 1: at the camera like Sup. 9 00:00:43,840 --> 00:00:46,479 Speaker 2: It's just hard to match that energy. Tif. I just 10 00:00:46,479 --> 00:00:47,680 Speaker 2: want to let you shine, you know. 11 00:00:49,880 --> 00:00:51,800 Speaker 1: I guess I always have dreamas and Mandy's around me. 12 00:00:51,800 --> 00:00:53,680 Speaker 1: I'm always like, what it's a good balance. 13 00:00:53,760 --> 00:00:57,320 Speaker 2: Yin and Yang? Yin and Yang. Remember our disc profiles. 14 00:00:57,480 --> 00:00:59,760 Speaker 2: You're exactly the opposite of my disc profile? 15 00:01:00,440 --> 00:01:01,640 Speaker 1: What did you end up being? Again? 16 00:01:01,920 --> 00:01:04,399 Speaker 2: I'm a high and you guys, you need to go 17 00:01:04,440 --> 00:01:05,959 Speaker 2: back and listen to I don't even know what episode 18 00:01:06,000 --> 00:01:08,720 Speaker 2: it was we talk about all about the disc personality assessment. 19 00:01:09,240 --> 00:01:11,720 Speaker 2: I'm a high D and a high C and you're 20 00:01:11,720 --> 00:01:12,480 Speaker 2: a high I S. 21 00:01:13,160 --> 00:01:17,839 Speaker 1: Yes, I am ok. We make the perfect death. 22 00:01:18,000 --> 00:01:21,440 Speaker 2: We're perfect. My husband's a I S. I'm just saying, 23 00:01:21,560 --> 00:01:22,480 Speaker 2: I'm just saying. 24 00:01:22,959 --> 00:01:25,640 Speaker 1: Oh, Auntie, I wonder what I wonder what Superman is. 25 00:01:25,840 --> 00:01:28,360 Speaker 2: You gotta you can you gotta give him the disk assessment. 26 00:01:28,800 --> 00:01:31,200 Speaker 1: Yeah, I do, to see if we make a perfect disc. 27 00:01:32,680 --> 00:01:34,400 Speaker 1: So how was your gobble day? 28 00:01:35,440 --> 00:01:39,160 Speaker 2: I spent the entire I've never shopped this much. Usually 29 00:01:39,200 --> 00:01:41,640 Speaker 2: I just kind of ignore Black Friday Cyber Monday, but 30 00:01:41,840 --> 00:01:44,080 Speaker 2: we just happened to. It happened to be in the 31 00:01:44,120 --> 00:01:46,160 Speaker 2: week when we needed to order all of the stuff 32 00:01:46,200 --> 00:01:48,720 Speaker 2: for our house, like all the furniture and you know, 33 00:01:48,840 --> 00:01:50,520 Speaker 2: bed and all that kind of stuff. So we literally 34 00:01:50,560 --> 00:01:52,360 Speaker 2: just I have never I mean, I have like a 35 00:01:52,400 --> 00:01:54,760 Speaker 2: stomach ache like you have from eating too much sugar, 36 00:01:54,840 --> 00:01:57,880 Speaker 2: from just like spending, you know, just like spending and 37 00:01:57,920 --> 00:02:00,680 Speaker 2: shopping and promo codes. And I will say it worked 38 00:02:00,680 --> 00:02:03,160 Speaker 2: out really perfect though, because we did basically get a 39 00:02:03,200 --> 00:02:05,720 Speaker 2: lot of money off all of those purchases, which worked 40 00:02:05,720 --> 00:02:09,359 Speaker 2: out perfectly. And that just means that we're almost at 41 00:02:09,400 --> 00:02:10,720 Speaker 2: the finish line. 42 00:02:11,520 --> 00:02:12,520 Speaker 1: Oh I'm so jellousy. 43 00:02:12,639 --> 00:02:13,240 Speaker 2: I can sing too. 44 00:02:17,760 --> 00:02:20,840 Speaker 1: I feel like we are at because we had to 45 00:02:20,840 --> 00:02:22,920 Speaker 1: halt some things because we were waiting something for them 46 00:02:23,080 --> 00:02:23,640 Speaker 1: from the city. 47 00:02:23,680 --> 00:02:28,160 Speaker 2: But too, would you say, I said, ew, halting terrible, 48 00:02:29,520 --> 00:02:29,880 Speaker 2: I know. 49 00:02:29,840 --> 00:02:33,360 Speaker 1: But luckily like tomorrow, well, Wednesday. Whenever you guys listen 50 00:02:33,400 --> 00:02:35,000 Speaker 1: to this is the day that we pick up speed 51 00:02:35,040 --> 00:02:37,680 Speaker 1: and we go back to full time every day until 52 00:02:37,720 --> 00:02:40,600 Speaker 1: it's done. So I'm excited about that. Now we're talking 53 00:02:40,600 --> 00:02:43,880 Speaker 1: about fixtures. Did I tell you Superman's idea? What kind 54 00:02:43,880 --> 00:02:44,680 Speaker 1: of fixture he wanted? 55 00:02:45,040 --> 00:02:45,760 Speaker 2: Wait? Fixture for? 56 00:02:45,840 --> 00:02:48,480 Speaker 1: What fixtures for? Like the house? Like like you know, 57 00:02:48,560 --> 00:02:51,359 Speaker 1: like I'm talking about like plumbing fixtures. 58 00:02:51,480 --> 00:02:53,160 Speaker 2: Okay, gotcha, faucets and stuff. 59 00:02:53,200 --> 00:02:56,560 Speaker 1: Yeah, tell me, Oh my gosh, so he I guess 60 00:02:56,600 --> 00:02:58,360 Speaker 1: I don't know if most guys are super modern, you know, 61 00:02:58,520 --> 00:03:02,120 Speaker 1: like shiny super like you know, like the kind of 62 00:03:02,160 --> 00:03:04,399 Speaker 1: things you see in like a brand new restaurant where 63 00:03:04,440 --> 00:03:07,000 Speaker 1: it's like a plate pouring out the water for you 64 00:03:07,040 --> 00:03:09,480 Speaker 1: and you're like why. And so our house is you know, 65 00:03:09,520 --> 00:03:11,680 Speaker 1: our house was built in the nineteen twenty And not 66 00:03:11,720 --> 00:03:14,520 Speaker 1: to say that stuff is terrible, but the house, it 67 00:03:14,520 --> 00:03:16,400 Speaker 1: doesn't match the house, you know, like there's a lot 68 00:03:16,440 --> 00:03:20,680 Speaker 1: of features in the house that are still original. So 69 00:03:20,800 --> 00:03:23,000 Speaker 1: I was showing him some features. He's like, that's old timey. 70 00:03:23,440 --> 00:03:25,040 Speaker 1: He was like, I want this because we're getting a 71 00:03:25,040 --> 00:03:27,320 Speaker 1: double sink in our master bad. I want this feature. 72 00:03:27,800 --> 00:03:30,520 Speaker 1: And I was like, oh, Superman, that's like way too modern, 73 00:03:30,919 --> 00:03:32,520 Speaker 1: and he was like, yeah, that's why I like it. 74 00:03:32,560 --> 00:03:34,280 Speaker 1: And he's like, how about this, this will be cool. 75 00:03:34,480 --> 00:03:37,160 Speaker 1: How about you pick your feature, your your fixture. I 76 00:03:37,240 --> 00:03:37,800 Speaker 1: pick mine? 77 00:03:38,760 --> 00:03:41,200 Speaker 2: Good luck? Good luck. That's the That's how it's going 78 00:03:41,280 --> 00:03:43,680 Speaker 2: to be with you, guys for the next several months 79 00:03:43,840 --> 00:03:47,120 Speaker 2: until the very end. You haven't lived until you've had 80 00:03:47,160 --> 00:03:51,360 Speaker 2: a shouting mouch about curtains. Okay, you have curtain rods. 81 00:03:51,480 --> 00:03:55,080 Speaker 1: Just to wait to wait, many yo, how are we 82 00:03:55,120 --> 00:03:58,680 Speaker 1: going to have two different fixtures on the same double sink. 83 00:03:58,760 --> 00:04:00,400 Speaker 1: I looked at him like I thought he was. He 84 00:04:00,440 --> 00:04:02,120 Speaker 1: was dead serious. He was like, I don't you pick 85 00:04:02,160 --> 00:04:04,680 Speaker 1: your as I pick mine? I said, honestly, I'm walking away. 86 00:04:05,160 --> 00:04:07,160 Speaker 1: Are you crazy? He was? I said, no, one does that, 87 00:04:07,200 --> 00:04:09,680 Speaker 1: he said, because it hasn't been done. Whytould that be 88 00:04:09,920 --> 00:04:11,880 Speaker 1: like new? Like people will come in our house and say, oh, 89 00:04:11,880 --> 00:04:14,840 Speaker 1: my goodness, that's cool. I'm like, sorry, no, they won't. 90 00:04:15,560 --> 00:04:17,239 Speaker 2: Yeah, and then you just take a piece of tape 91 00:04:17,279 --> 00:04:19,120 Speaker 2: and you just draw it down the entire line of 92 00:04:19,160 --> 00:04:21,240 Speaker 2: the room, and then he's got his side of the house. 93 00:04:21,320 --> 00:04:22,839 Speaker 2: And then no, that's not how it works. 94 00:04:24,120 --> 00:04:26,680 Speaker 1: So I just said I. So luckily we came up 95 00:04:26,720 --> 00:04:30,239 Speaker 1: with a semi solution in that. He said, from the beginning, 96 00:04:30,320 --> 00:04:31,720 Speaker 1: so I was waiting to pull this car because I 97 00:04:31,800 --> 00:04:33,360 Speaker 1: knew I was going to need it later. But I 98 00:04:33,360 --> 00:04:35,240 Speaker 1: pulled it out because I like I had to. He 99 00:04:35,279 --> 00:04:37,440 Speaker 1: had said in the beginning, as long as I can 100 00:04:37,520 --> 00:04:39,919 Speaker 1: do whatever I want in the man Cave, like whatever 101 00:04:39,960 --> 00:04:41,880 Speaker 1: I want. He's got two rooms in the basement, he 102 00:04:41,880 --> 00:04:43,920 Speaker 1: could do whatever he wants that I have the rest 103 00:04:43,960 --> 00:04:45,640 Speaker 1: of the house. So I had to pull that out 104 00:04:45,680 --> 00:04:48,920 Speaker 1: and say, sir, let me pull out our original agreement. 105 00:04:49,320 --> 00:04:51,600 Speaker 1: He said, this is true. This is true. I did 106 00:04:51,720 --> 00:04:53,359 Speaker 1: say that, and he was like, but you asked me. 107 00:04:53,400 --> 00:04:57,120 Speaker 1: I said, you're right. My mistake was asking you additional opinions. 108 00:04:57,240 --> 00:05:00,440 Speaker 1: So I said, that won't happen again, and I will 109 00:05:00,440 --> 00:05:02,280 Speaker 1: not make any decisions in the man Cave. I mean, 110 00:05:02,320 --> 00:05:04,279 Speaker 1: you can make it purple for all I care, but 111 00:05:04,440 --> 00:05:06,320 Speaker 1: leave the rest of the house to me. He said, okay, 112 00:05:06,839 --> 00:05:09,000 Speaker 1: So we'll see how long that lasts. Because Superman has 113 00:05:09,080 --> 00:05:11,760 Speaker 1: opinion about design. Who no, he can't about design. 114 00:05:12,760 --> 00:05:15,960 Speaker 2: They will surprise you, they will. I'm really glad that 115 00:05:16,000 --> 00:05:18,800 Speaker 2: we were working with a third party. Designer, because it 116 00:05:18,880 --> 00:05:20,839 Speaker 2: was almost like the same way I use my financial 117 00:05:20,839 --> 00:05:23,560 Speaker 2: planner as like a tiebreaker or just you know, someone 118 00:05:23,640 --> 00:05:25,800 Speaker 2: to tell them that I'm right. It's worked out pretty 119 00:05:25,880 --> 00:05:27,640 Speaker 2: much the same way, like oh you don't like that, 120 00:05:27,720 --> 00:05:31,400 Speaker 2: Let's see what Julia says, okay, or if they if 121 00:05:31,440 --> 00:05:33,120 Speaker 2: they ask you what you like, you know, if you 122 00:05:33,240 --> 00:05:35,520 Speaker 2: like this thing, and then it's like, oh, yeah I do. 123 00:05:35,600 --> 00:05:38,000 Speaker 2: Let's see what Julia says, knowing that they won't like. 124 00:05:37,960 --> 00:05:40,920 Speaker 1: It, like, oh, Julia says, it doesn't make sense. 125 00:05:41,000 --> 00:05:47,120 Speaker 2: Heer, it's a but uh yeah, home home, home stretch. 126 00:05:48,800 --> 00:05:50,120 Speaker 1: Would you guys eat? 127 00:05:50,320 --> 00:05:52,200 Speaker 2: Oh what did we eat? Oh? Yeah, food happened. 128 00:05:52,320 --> 00:05:52,520 Speaker 1: You know. 129 00:05:52,680 --> 00:05:56,000 Speaker 2: My mother in law she made a giant pork carcass, 130 00:05:56,080 --> 00:05:59,520 Speaker 2: some kind of per neil with some vegetables. And then 131 00:05:59,520 --> 00:06:01,640 Speaker 2: we went to his cousin's house and they listened to 132 00:06:01,680 --> 00:06:03,680 Speaker 2: the podcast. So I'm putting them on blast again. But 133 00:06:03,720 --> 00:06:06,279 Speaker 2: they are like anti Thanksgiving food. So we went over 134 00:06:06,320 --> 00:06:09,440 Speaker 2: there and we had beetball sandwiches and French onion soup 135 00:06:09,560 --> 00:06:14,040 Speaker 2: with peta pie. It was like it was empaiea. It 136 00:06:14,160 --> 00:06:17,440 Speaker 2: was like, this is like a very European Thanksgiving menu, 137 00:06:17,839 --> 00:06:19,240 Speaker 2: but I was I was into it. 138 00:06:19,880 --> 00:06:23,560 Speaker 1: Now it sounds delicious. We had uh We went to 139 00:06:23,560 --> 00:06:25,240 Speaker 1: my parents' house and that was fun, and then we 140 00:06:25,279 --> 00:06:28,160 Speaker 1: went to his sister's house. She usually posts Thanksgiving, so 141 00:06:28,200 --> 00:06:30,320 Speaker 1: that was fun. It was delicious all around. I mean 142 00:06:30,360 --> 00:06:31,880 Speaker 1: there was so much food it didn't make sense. I 143 00:06:31,880 --> 00:06:33,200 Speaker 1: probably gained like five pounds. 144 00:06:33,920 --> 00:06:35,039 Speaker 2: How did a turkey turn out? 145 00:06:36,000 --> 00:06:40,040 Speaker 1: Well? I merely bought it and then passed me, So 146 00:06:40,080 --> 00:06:45,000 Speaker 1: it turned out delicious, That's what I mean. Yes, it 147 00:06:45,040 --> 00:06:46,480 Speaker 1: was so crazy because it was two days before and 148 00:06:46,560 --> 00:06:49,080 Speaker 1: I was like, when Mom texts me like, hey, everyone's 149 00:06:49,120 --> 00:06:51,680 Speaker 1: bringing me something for Thanksgiving? Can you bring the turkey 150 00:06:51,680 --> 00:06:55,479 Speaker 1: in the fixings, I'm like, Mommy, that's called Thanksgiving the 151 00:06:55,600 --> 00:06:57,600 Speaker 1: turkey and the fixing, So what is my what are 152 00:06:57,600 --> 00:07:02,560 Speaker 1: my sisters bringing an appetite? So thankfully my friend Vonda, Hey, Vanda, 153 00:07:02,839 --> 00:07:06,680 Speaker 1: she's got an awesome restaurant, soul food restaurant called Vonda's Kitchen, 154 00:07:07,600 --> 00:07:09,320 Speaker 1: And so I hit her up and I was like, 155 00:07:09,440 --> 00:07:11,240 Speaker 1: so what are you doing for Thanksgiffing? And can you 156 00:07:11,240 --> 00:07:14,400 Speaker 1: make my turkey and some fixings? So she said yeah. She' 157 00:07:14,400 --> 00:07:16,240 Speaker 1: said oh, but we're out of turkeys because she you know, 158 00:07:16,280 --> 00:07:19,240 Speaker 1: she made them vond Cators as well as has a restaurant. 159 00:07:19,800 --> 00:07:21,640 Speaker 1: And so she was like, but we ran out of turkeys. 160 00:07:21,680 --> 00:07:23,600 Speaker 1: I said, oh no, no, no problem. I have a 161 00:07:23,640 --> 00:07:26,560 Speaker 1: turkey that I do have. I just don't have the 162 00:07:26,640 --> 00:07:31,240 Speaker 1: wherewithal to do anything else. And so Vana made turkey delicious. 163 00:07:31,240 --> 00:07:33,800 Speaker 1: Oh my goodness. She stuffed it with like pears and 164 00:07:34,000 --> 00:07:36,160 Speaker 1: all these other things that gave us such an amazing flavor. 165 00:07:36,560 --> 00:07:39,600 Speaker 1: She made baked macaroni and cheese, which was who and 166 00:07:39,600 --> 00:07:44,640 Speaker 1: I'm not supposed to have cheese or anything that. Yeah, 167 00:07:44,840 --> 00:07:46,720 Speaker 1: she was gone for Thanksgiving. I was like, girl, you 168 00:07:46,800 --> 00:07:52,280 Speaker 1: tried it. Baked baked macaroni, cheese. She made candy yams delicious, 169 00:07:52,280 --> 00:07:55,480 Speaker 1: collared greens, corn bread, and then the turkey. So and 170 00:07:55,520 --> 00:07:58,920 Speaker 1: then my sisters brought like lasagna and rice and salmon. Honestly, 171 00:07:58,960 --> 00:08:00,520 Speaker 1: we had so much food and it wasn't even that 172 00:08:00,560 --> 00:08:03,720 Speaker 1: many people, but it was awesome. And then his sister's 173 00:08:03,720 --> 00:08:07,440 Speaker 1: house was ten times more food. So we had a 174 00:08:07,480 --> 00:08:10,400 Speaker 1: really good, fat eating time. 175 00:08:11,040 --> 00:08:12,240 Speaker 2: That's exactly as it should be. 176 00:08:12,760 --> 00:08:16,080 Speaker 1: M hmm, what about you, what's new with you? Oh? 177 00:08:16,080 --> 00:08:20,200 Speaker 2: Okay, So this time last year, I was just about 178 00:08:20,240 --> 00:08:22,560 Speaker 2: to go down for that leadership institute that I did 179 00:08:22,680 --> 00:08:25,960 Speaker 2: last year for like Young Leaders in Media, and it 180 00:08:26,000 --> 00:08:28,080 Speaker 2: was such an amazing week for me, and I said 181 00:08:28,080 --> 00:08:30,200 Speaker 2: I would try and do one of those every year, 182 00:08:31,000 --> 00:08:33,040 Speaker 2: But those programs you can't really plan for because that 183 00:08:33,120 --> 00:08:34,600 Speaker 2: you have to like get you have to apply, and 184 00:08:34,640 --> 00:08:36,560 Speaker 2: there's a lot of competition you have to get accepted. 185 00:08:36,840 --> 00:08:39,600 Speaker 2: But I just submitted an application for I won't quite 186 00:08:39,720 --> 00:08:41,720 Speaker 2: It's not going to be in twenty eighteen, so I 187 00:08:41,760 --> 00:08:43,760 Speaker 2: won't I'll miss it, but it's going to be early 188 00:08:43,960 --> 00:08:48,240 Speaker 2: twenty nineteen. A program that's focused on women leaders in 189 00:08:48,320 --> 00:08:52,680 Speaker 2: journalism and it's called like an accelerator program and the 190 00:08:52,679 --> 00:08:54,960 Speaker 2: same thing. It'll be like a week long experience that 191 00:08:54,960 --> 00:08:56,760 Speaker 2: I've heard really cool things about it and I want 192 00:08:56,800 --> 00:08:59,920 Speaker 2: to keep doing. We had talked a couple of podcasts 193 00:09:00,000 --> 00:09:03,280 Speaker 2: episodes ago about professional conferences and how you work them 194 00:09:03,280 --> 00:09:06,079 Speaker 2: into your schedule, So my personal goal was to try 195 00:09:06,120 --> 00:09:08,760 Speaker 2: and do one per year, and I hope, I hope 196 00:09:08,760 --> 00:09:12,160 Speaker 2: I get in because it sounds really awesome. This will 197 00:09:12,200 --> 00:09:15,880 Speaker 2: be the first one I've done with just women leaders. 198 00:09:15,960 --> 00:09:17,760 Speaker 2: The last one was co ed, so I think it'll 199 00:09:18,160 --> 00:09:19,560 Speaker 2: I don't know. I had such a good experience. I 200 00:09:19,559 --> 00:09:21,760 Speaker 2: think the biggest benefit. One of the big benefits was 201 00:09:21,800 --> 00:09:24,400 Speaker 2: just like the network you get afterward, like the peer 202 00:09:24,480 --> 00:09:27,280 Speaker 2: network that you get where you can. You don't realize 203 00:09:27,320 --> 00:09:29,840 Speaker 2: the value of having people who aren't working with you 204 00:09:30,000 --> 00:09:33,040 Speaker 2: or for you to talk to about what you're doing. Yeah, 205 00:09:33,160 --> 00:09:35,760 Speaker 2: like professionally. So I'm excited. 206 00:09:36,600 --> 00:09:38,520 Speaker 1: That's not awesome. I feel like you got it already. 207 00:09:38,520 --> 00:09:39,559 Speaker 1: I'm claiming it for you. 208 00:09:39,640 --> 00:09:41,839 Speaker 2: Thanks the universe deliver on to me. 209 00:09:43,600 --> 00:09:46,800 Speaker 1: No, that's awesome. No, you're right, it is. It's nice 210 00:09:46,800 --> 00:09:50,880 Speaker 1: to have different perspectives on women who are similar but 211 00:09:50,920 --> 00:09:56,440 Speaker 1: not the same, you know, so that's always dope. Yeah, yeah, 212 00:09:56,559 --> 00:09:57,880 Speaker 1: you know who wants to be a businesswoman. 213 00:09:57,920 --> 00:09:59,960 Speaker 2: Now let me get a Supergirl. 214 00:10:00,760 --> 00:10:03,200 Speaker 1: Why does she send me a business plan via email? 215 00:10:03,760 --> 00:10:05,079 Speaker 2: How she is your stepdaughter? 216 00:10:05,120 --> 00:10:05,800 Speaker 1: Is she not? Like? 217 00:10:05,840 --> 00:10:07,000 Speaker 2: I don't know what you expected. 218 00:10:08,800 --> 00:10:11,920 Speaker 1: It was so hilarious. I'm like, there's something. Supergirl doesn't 219 00:10:11,920 --> 00:10:13,840 Speaker 1: even speak to me. Another day She's like hey girl, Hey, 220 00:10:14,240 --> 00:10:17,720 Speaker 1: And so I'm like, oh, so are you downstairs? Because 221 00:10:17,760 --> 00:10:19,160 Speaker 1: so I read the email. If I tell you, the 222 00:10:19,160 --> 00:10:22,040 Speaker 1: top of it says this email in all caps and 223 00:10:23,160 --> 00:10:25,719 Speaker 1: bolded and large fonts. This is the top and the 224 00:10:25,760 --> 00:10:29,160 Speaker 1: rest is regular this email is for Tiffany. If you 225 00:10:29,200 --> 00:10:32,319 Speaker 1: are not Tiffany, please do not delete. This is Supergirl. 226 00:10:32,440 --> 00:10:34,800 Speaker 1: She knows who I am. Please forward it to her. 227 00:10:35,000 --> 00:10:38,480 Speaker 2: I was rolling, well, she's not off because you'd be 228 00:10:38,520 --> 00:10:40,559 Speaker 2: having other people check your emails. 229 00:10:42,559 --> 00:10:45,040 Speaker 1: When I tell you. And then she had to nerve 230 00:10:45,120 --> 00:10:47,880 Speaker 1: to say, Hi, my business plan is I would like 231 00:10:47,920 --> 00:10:49,720 Speaker 1: to sell She listed all these kind of like chowchi's, 232 00:10:49,760 --> 00:10:54,240 Speaker 1: like lip loss and lip bomb, totally different things, ceramics. 233 00:10:54,400 --> 00:10:57,480 Speaker 1: So secretly Supergirl is still kind of like into dolls, 234 00:10:57,480 --> 00:10:59,840 Speaker 1: like sometimes so she's like, I'm twelve. She doesn't like 235 00:11:00,160 --> 00:11:01,680 Speaker 1: to know, but I'm like, girl, that's fine. I was 236 00:11:01,679 --> 00:11:03,920 Speaker 1: into dolls until I was like fourteen. So she wanted 237 00:11:03,920 --> 00:11:07,880 Speaker 1: to do grocery delivery service for dolls. Wait, oh my. 238 00:11:09,800 --> 00:11:11,640 Speaker 1: She had a list of all of these things. And 239 00:11:11,679 --> 00:11:13,199 Speaker 1: then at the end I was wondering why she was 240 00:11:13,200 --> 00:11:15,640 Speaker 1: sharing with it with me because and then at the 241 00:11:15,760 --> 00:11:17,760 Speaker 1: end she was like, I would like for you to 242 00:11:17,800 --> 00:11:20,120 Speaker 1: share my business with your dream captures so they can 243 00:11:20,160 --> 00:11:22,800 Speaker 1: buy things. And I was like, so let's have a 244 00:11:22,840 --> 00:11:24,960 Speaker 1: talk later. You know about she. 245 00:11:24,880 --> 00:11:27,559 Speaker 2: Wanted to set up her lemonade cart outside of your business. 246 00:11:27,720 --> 00:11:31,080 Speaker 1: I say, when I say I was rolling. I thought 247 00:11:31,080 --> 00:11:34,040 Speaker 1: it was the cutest thing, and I was like, So 248 00:11:34,120 --> 00:11:37,080 Speaker 1: we had a really great talk about you know, your 249 00:11:37,120 --> 00:11:39,079 Speaker 1: market and explained She's like, well, what is that? And 250 00:11:39,080 --> 00:11:41,360 Speaker 1: I explained to her, like, you know what, that's your 251 00:11:41,360 --> 00:11:44,480 Speaker 1: perfect customer and who would actually buy your things, and 252 00:11:44,520 --> 00:11:46,160 Speaker 1: she's like, like people your same age and said I 253 00:11:46,360 --> 00:11:48,319 Speaker 1: was like, you know, it depends. And we talked about 254 00:11:48,360 --> 00:11:51,800 Speaker 1: gross profit versus net profit, about picking one thing to 255 00:11:51,880 --> 00:11:54,960 Speaker 1: deliver on before choosing too many things. And so she 256 00:11:55,120 --> 00:11:58,120 Speaker 1: decided that she's going to make her own lip glosses 257 00:11:58,120 --> 00:12:00,600 Speaker 1: because she saw this video on YouTube, and she's going 258 00:12:00,640 --> 00:12:02,360 Speaker 1: to share them with her friends and then see if 259 00:12:02,400 --> 00:12:04,240 Speaker 1: she can like sell them. So I thought that was 260 00:12:04,320 --> 00:12:06,000 Speaker 1: really She said girls her age and I at her 261 00:12:06,000 --> 00:12:07,640 Speaker 1: age I was I'm into lip gloss now, who am 262 00:12:07,640 --> 00:12:09,760 Speaker 1: I fooling? But at her age I was extra into 263 00:12:09,800 --> 00:12:10,280 Speaker 1: lip gloss. 264 00:12:10,360 --> 00:12:13,040 Speaker 2: So, man, yeah, what were those little colored lip glasses 265 00:12:13,040 --> 00:12:15,760 Speaker 2: called where you had to have like every single color lipsmackers? 266 00:12:16,160 --> 00:12:18,640 Speaker 1: Yes, oh my goodness, And honestly I love them. And 267 00:12:18,679 --> 00:12:19,840 Speaker 1: so I told her, I think that would be a 268 00:12:19,840 --> 00:12:22,880 Speaker 1: really cute idea, And so that's what she's going to 269 00:12:23,640 --> 00:12:25,880 Speaker 1: She's going to do so today at school. So last 270 00:12:25,920 --> 00:12:28,360 Speaker 1: night we had like a little meeting and I told her, 271 00:12:29,040 --> 00:12:30,960 Speaker 1: you have to do market research and I explain that 272 00:12:31,040 --> 00:12:33,320 Speaker 1: just meant figuring out what does your audience want? And 273 00:12:33,600 --> 00:12:36,040 Speaker 1: we wrote down four questions that she can ask her friends. 274 00:12:36,080 --> 00:12:38,440 Speaker 1: And I could tell she was like feeling like, oh, 275 00:12:38,440 --> 00:12:39,800 Speaker 1: I don't want to like ask them. I said, well, 276 00:12:39,800 --> 00:12:41,880 Speaker 1: you can ask casually. You don't have to say I've 277 00:12:41,880 --> 00:12:44,160 Speaker 1: got four questions for you. You could just say, like, 278 00:12:44,720 --> 00:12:46,959 Speaker 1: you know, hey, you know being in that's one of 279 00:12:46,960 --> 00:12:49,400 Speaker 1: her friends. Hey, hey, Ebina, do you do you wear? 280 00:12:49,559 --> 00:12:51,320 Speaker 1: Do you wear lip? Class? Let me see it? Well, 281 00:12:51,400 --> 00:12:53,040 Speaker 1: why did you choose this one? We could have had 282 00:12:53,080 --> 00:12:54,760 Speaker 1: this one? And so I told her I showed her 283 00:12:54,760 --> 00:12:56,520 Speaker 1: some way she can get the answer she needed without 284 00:12:56,559 --> 00:12:59,760 Speaker 1: having to like, you know, like interview her friends. Like 285 00:13:00,120 --> 00:13:02,320 Speaker 1: and so, I don't know, it's cute, and I feel 286 00:13:02,320 --> 00:13:05,920 Speaker 1: like this is great because sometimes I mean, I don't 287 00:13:06,040 --> 00:13:09,280 Speaker 1: know if it's just me, but I tell you girls 288 00:13:09,280 --> 00:13:11,600 Speaker 1: are hard because you know, I never know she loves me, 289 00:13:11,640 --> 00:13:13,960 Speaker 1: she hates me, or some blazes in between. So this 290 00:13:14,040 --> 00:13:17,000 Speaker 1: is something something Well, she was little, it was so easy. 291 00:13:17,080 --> 00:13:19,280 Speaker 1: She was like my little be of everyone everywhere together. 292 00:13:19,960 --> 00:13:22,000 Speaker 1: But this will just be something nice that we can 293 00:13:22,080 --> 00:13:25,640 Speaker 1: like do together. And so yeah, I'm excited. You know, 294 00:13:25,960 --> 00:13:28,000 Speaker 1: I told her i'd invest in her her company, but 295 00:13:28,040 --> 00:13:29,800 Speaker 1: she'd have to pay me back with interest. 296 00:13:30,080 --> 00:13:31,800 Speaker 2: Oh you got to save the little business plan. 297 00:13:32,400 --> 00:13:34,360 Speaker 1: I do know. It was an email, so you know, 298 00:13:34,559 --> 00:13:36,640 Speaker 1: like it's officiat. I could not believe she said to me. 299 00:13:36,720 --> 00:13:38,480 Speaker 1: I was like, what it is so cute? What is this? 300 00:13:38,960 --> 00:13:40,079 Speaker 2: It is right, she said. 301 00:13:40,679 --> 00:13:42,360 Speaker 1: I was like, well, oh this is cute. She's like, 302 00:13:42,400 --> 00:13:44,560 Speaker 1: oh yeah, and send it to your dream catchers so 303 00:13:44,559 --> 00:13:46,960 Speaker 1: I can make money. 304 00:13:47,160 --> 00:13:48,640 Speaker 2: She's trying to take us. She's trying to skip a 305 00:13:48,640 --> 00:13:52,320 Speaker 2: few steps. That's really cute, though, kid preneurs. Everyone loves 306 00:13:52,320 --> 00:13:53,359 Speaker 2: a kid entrepreneur. 307 00:13:54,280 --> 00:13:55,000 Speaker 1: Yeah, they do. 308 00:13:57,840 --> 00:13:59,199 Speaker 2: All are you ready to boost or break? 309 00:14:00,120 --> 00:14:03,719 Speaker 1: I am a booster breaker? Booster break? I am? 310 00:14:04,880 --> 00:14:05,959 Speaker 2: Which one? Are you going to do that? 311 00:14:07,000 --> 00:14:09,920 Speaker 1: Oh? I thought you gotta go first. I think I 312 00:14:09,960 --> 00:14:13,400 Speaker 1: am going to boost, Well not even I think so. 313 00:14:13,960 --> 00:14:15,840 Speaker 1: Have you ever heard of supercent? 314 00:14:16,920 --> 00:14:18,480 Speaker 2: Supercent like a smell. 315 00:14:19,040 --> 00:14:23,920 Speaker 1: No, like scent like cent ten cent? Dalla got it? 316 00:14:24,280 --> 00:14:24,600 Speaker 2: Got it? 317 00:14:26,480 --> 00:14:28,240 Speaker 1: Meanwhile, I was like, and if you are West Indian 318 00:14:28,320 --> 00:14:30,600 Speaker 1: or African or just anyone who's heard that song. You 319 00:14:30,640 --> 00:14:32,240 Speaker 1: know you were doing the wine because I was when 320 00:14:32,240 --> 00:14:35,120 Speaker 1: I was saying it, like you know, the little Body Wine. Anyway, 321 00:14:35,440 --> 00:14:40,440 Speaker 1: so there's this woman named super Supa sent cu ce 322 00:14:40,600 --> 00:14:44,160 Speaker 1: n t Well that's not her real name, but so 323 00:14:44,560 --> 00:14:50,440 Speaker 1: she's got this really cute, amazing line of makeup called 324 00:14:50,480 --> 00:14:52,560 Speaker 1: the Crayon Case. Honestly, Mandy. First of all, the makeup 325 00:14:52,600 --> 00:14:55,280 Speaker 1: is so cute. The idea look, it's brilliant. So the 326 00:14:55,320 --> 00:14:58,560 Speaker 1: crown Case is all of the makeup like eyeshadows and 327 00:14:58,880 --> 00:15:01,240 Speaker 1: look losses, lick six, but Mandy, it's done in a 328 00:15:01,280 --> 00:15:04,240 Speaker 1: way that's supposed to look like school supplies and so 329 00:15:04,480 --> 00:15:08,400 Speaker 1: like she's got like a palette for like, say, eyeshadow, 330 00:15:08,840 --> 00:15:11,200 Speaker 1: and it looks like a paint set, and so the 331 00:15:11,840 --> 00:15:13,680 Speaker 1: brushes that you use for blush it looks like a 332 00:15:13,800 --> 00:15:17,440 Speaker 1: number two pencil. Honestly, the packaging is gorgeous and amazing 333 00:15:17,480 --> 00:15:20,320 Speaker 1: and fun. But what I love about her is that 334 00:15:20,400 --> 00:15:24,760 Speaker 1: she has been like just a small entrepreneur trying so 335 00:15:24,840 --> 00:15:27,400 Speaker 1: hard for years. I mean, from what I understand, she 336 00:15:27,680 --> 00:15:30,240 Speaker 1: started like, you know, like selling things on the side 337 00:15:30,280 --> 00:15:33,200 Speaker 1: since twenty fifteen, if not earlier than that. Before that, 338 00:15:33,240 --> 00:15:36,520 Speaker 1: she was a waitress. She's from New Orleans. So she 339 00:15:36,720 --> 00:15:38,960 Speaker 1: struck gold with the crayon case. This is not her 340 00:15:38,960 --> 00:15:41,520 Speaker 1: first business or her first venture, but she struck gold 341 00:15:41,560 --> 00:15:44,840 Speaker 1: with crayon case. And yesterday, well I don't know if yesterday, 342 00:15:44,880 --> 00:15:47,560 Speaker 1: but for Black Friday, it was either Monday or Tuesday. 343 00:15:47,880 --> 00:15:50,120 Speaker 1: She had a sale sixty percent off of everything on 344 00:15:50,160 --> 00:15:54,480 Speaker 1: the side. Guess how much she made? How much in 345 00:15:54,800 --> 00:16:01,120 Speaker 1: ninety minutes? She made over one million dollars in thine minute. Yes, 346 00:16:01,880 --> 00:16:05,440 Speaker 1: she sold. She would have made more, but she sold out, 347 00:16:05,800 --> 00:16:09,720 Speaker 1: broke the site sold out. I mean, I mean she 348 00:16:09,760 --> 00:16:11,720 Speaker 1: showed like she showed because I use I could tell, 349 00:16:11,760 --> 00:16:14,120 Speaker 1: but she uses Shopify like I use Shopify. I mean, 350 00:16:14,160 --> 00:16:15,840 Speaker 1: but killer me, I'm not making that kind of money. 351 00:16:16,400 --> 00:16:19,280 Speaker 1: But she she showed like her Shopify like proof. It 352 00:16:19,320 --> 00:16:21,600 Speaker 1: was on the news, but I like, you know, I 353 00:16:21,680 --> 00:16:24,360 Speaker 1: follow her on social. She was crying, her family came 354 00:16:24,400 --> 00:16:28,080 Speaker 1: in with balloons and cake, and it just it's just 355 00:16:28,120 --> 00:16:29,880 Speaker 1: a testament. This is like, like I said, this is not 356 00:16:29,960 --> 00:16:32,080 Speaker 1: her first, second, or even third business. I mean, this 357 00:16:32,120 --> 00:16:36,800 Speaker 1: woman had sold everything from bundles to Christmas sweaters and 358 00:16:36,880 --> 00:16:39,360 Speaker 1: she's just tried and just not given up. And she 359 00:16:39,440 --> 00:16:42,600 Speaker 1: built a following on social media via her personality, and 360 00:16:43,160 --> 00:16:46,480 Speaker 1: this was just the amazing product and people have taken 361 00:16:46,520 --> 00:16:48,120 Speaker 1: to it. I mean they I've heard like really great 362 00:16:48,120 --> 00:16:51,360 Speaker 1: things about the product. I mean, it looks beautiful. And 363 00:16:51,880 --> 00:16:53,920 Speaker 1: just to see someone a million dollars, I mean, I 364 00:16:53,960 --> 00:16:56,280 Speaker 1: don't know what, like, I don't know honestly what beauty 365 00:16:56,320 --> 00:16:58,920 Speaker 1: brands normally do, because I you know, it's not like 366 00:16:59,160 --> 00:17:03,000 Speaker 1: Sephorest post their numbers. But I mean that's tremendous, and 367 00:17:03,200 --> 00:17:05,280 Speaker 1: I mean I definitely have seen some distractors and haters 368 00:17:05,320 --> 00:17:07,679 Speaker 1: that are like she didn't said at but then she 369 00:17:07,680 --> 00:17:09,600 Speaker 1: showed her numbers, and really what it was. It was 370 00:17:10,040 --> 00:17:13,679 Speaker 1: like she had thirty five thousand people ordered. And so 371 00:17:13,720 --> 00:17:16,800 Speaker 1: if you think about thirty five thousand, if thirty five 372 00:17:16,840 --> 00:17:20,960 Speaker 1: thousand people bought let's just say ten dollars, not even 373 00:17:21,000 --> 00:17:24,240 Speaker 1: ten dollars, what is it thirty five thousand they bought 374 00:17:24,240 --> 00:17:26,000 Speaker 1: one hundred dollars worth and not even a hundred. They 375 00:17:26,000 --> 00:17:27,560 Speaker 1: didn't have to spend that much. Were fifty dollars worth 376 00:17:27,600 --> 00:17:31,680 Speaker 1: of stuff? Not even fifty If they bought like thirty 377 00:17:31,720 --> 00:17:33,880 Speaker 1: dollars worth of stuff, thirty five thousand and thirty dollars 378 00:17:33,880 --> 00:17:35,520 Speaker 1: worth stuff and thirty dollars is not much. That's like 379 00:17:35,560 --> 00:17:38,320 Speaker 1: three of her items. That's that's over a million dollars 380 00:17:38,359 --> 00:17:41,560 Speaker 1: right there. So it was just and she has one 381 00:17:41,640 --> 00:17:44,919 Speaker 1: point two or three million followers, so she's got like 382 00:17:44,960 --> 00:17:47,080 Speaker 1: these really great numbers. But you can have numbers and 383 00:17:47,119 --> 00:17:50,159 Speaker 1: not convert. But so if anybody needs like a if 384 00:17:50,160 --> 00:17:51,760 Speaker 1: you're an entrepreneur and you kind of need like a 385 00:17:51,800 --> 00:17:56,479 Speaker 1: social pick me up, go to Supercents Instagram. And then 386 00:17:56,520 --> 00:18:00,280 Speaker 1: I just been watching interviews about her all over and 387 00:18:00,359 --> 00:18:02,080 Speaker 1: just kind of like learning her story of how she 388 00:18:02,119 --> 00:18:05,399 Speaker 1: started off as a as a single mother and a 389 00:18:05,600 --> 00:18:08,959 Speaker 1: waitress not too long ago, and just wanting more. So 390 00:18:09,000 --> 00:18:11,440 Speaker 1: she tried so many different things until she found the thing. 391 00:18:12,040 --> 00:18:15,080 Speaker 1: So it was just she's so regular regular, you know. 392 00:18:15,240 --> 00:18:18,400 Speaker 1: I just love that. And so yeah, it's really really 393 00:18:18,520 --> 00:18:19,960 Speaker 1: inspiring cool. 394 00:18:20,000 --> 00:18:21,760 Speaker 2: Where's she based or where's how did you come to 395 00:18:21,760 --> 00:18:22,840 Speaker 2: find out about the company? 396 00:18:23,840 --> 00:18:25,480 Speaker 1: I you know what I found out. I had heard 397 00:18:25,480 --> 00:18:28,120 Speaker 1: about supercent before because she's also like really funny. She's 398 00:18:28,200 --> 00:18:30,879 Speaker 1: like like on on ig So sometimes I see like 399 00:18:30,920 --> 00:18:34,119 Speaker 1: people would repost clips of her. She's very nola, Like 400 00:18:34,160 --> 00:18:36,800 Speaker 1: she's got a really heavy Nola accent, and she she 401 00:18:36,880 --> 00:18:39,000 Speaker 1: has this thing called asked Supa where you can ask 402 00:18:39,040 --> 00:18:42,119 Speaker 1: her any questions she answers it, and so she's funny 403 00:18:42,119 --> 00:18:44,120 Speaker 1: in general. So I've seen like kind of clips of her. 404 00:18:44,160 --> 00:18:46,399 Speaker 1: And then I heard of Crayon Case. And when I 405 00:18:46,480 --> 00:18:49,680 Speaker 1: really got acquainted was when I went to Essence Fest 406 00:18:49,960 --> 00:18:54,400 Speaker 1: last year and they Crayon Case had a had a booth, Mandy. 407 00:18:54,440 --> 00:18:57,800 Speaker 1: When I tell you the line for that booth, I 408 00:18:57,840 --> 00:19:00,920 Speaker 1: mean you would think that Beyonce was like selling like, 409 00:19:01,560 --> 00:19:04,479 Speaker 1: you know, cookies or something, because I remember thinking like, 410 00:19:04,560 --> 00:19:07,399 Speaker 1: what is this the line? Like there were all of 411 00:19:07,400 --> 00:19:09,639 Speaker 1: these booths. You know, Essence has hundreds, if not thousands 412 00:19:09,680 --> 00:19:12,760 Speaker 1: of booths in there in their big, big like kind 413 00:19:12,800 --> 00:19:15,159 Speaker 1: of like I guess it's a conference room or whatever 414 00:19:15,200 --> 00:19:19,640 Speaker 1: expo center. But it was the only both that had 415 00:19:19,640 --> 00:19:22,600 Speaker 1: a line that almost just going and going and going. 416 00:19:22,800 --> 00:19:25,280 Speaker 1: And I remember being like, Oh, is that Crayon Case 417 00:19:25,320 --> 00:19:26,919 Speaker 1: And because that had a really nice setup and I 418 00:19:26,960 --> 00:19:29,359 Speaker 1: was like, oh, I heard I heard vainly about that makeup, 419 00:19:29,400 --> 00:19:32,280 Speaker 1: and I remember thinking the packaging was cute. So like, 420 00:19:32,359 --> 00:19:36,240 Speaker 1: if that line is any indication, I'm not surprised, honestly. Yeah, 421 00:19:36,280 --> 00:19:39,399 Speaker 1: she's done an amazing job of marketing and and you 422 00:19:39,440 --> 00:19:41,240 Speaker 1: should see, like she had video where she's taking you 423 00:19:41,280 --> 00:19:46,840 Speaker 1: through her warehouse. She's hired mostly family and friends, and 424 00:19:46,880 --> 00:19:49,359 Speaker 1: people were like, well, that's growth, not that we know. 425 00:19:50,080 --> 00:19:51,919 Speaker 1: Sometimes I'm just like, don't you. Sometimes I just want 426 00:19:51,960 --> 00:19:54,280 Speaker 1: to tell people like that's fine. 427 00:19:54,320 --> 00:19:56,840 Speaker 2: I mean, we get people have a win. I know, 428 00:19:57,160 --> 00:19:58,760 Speaker 2: let people just celebrate, you know. 429 00:19:59,320 --> 00:20:01,560 Speaker 1: Yes, because I mean, I mean I don't know about you. 430 00:20:01,640 --> 00:20:04,800 Speaker 1: But a million dollars gross in ninety minutes and they 431 00:20:04,880 --> 00:20:06,720 Speaker 1: ran out. That's why it would have been more. She 432 00:20:06,760 --> 00:20:10,120 Speaker 1: didn't anticipate selling as much, or she didn't have like all, 433 00:20:10,160 --> 00:20:11,960 Speaker 1: you know, she in her warehouse, she didn't have enough 434 00:20:12,119 --> 00:20:15,719 Speaker 1: to accommodate like everyone. But maybe it would have been 435 00:20:15,720 --> 00:20:17,920 Speaker 1: three or four million. But yes, we know it's gross. 436 00:20:17,960 --> 00:20:19,919 Speaker 1: We know there's shipping, we know there's product, we know 437 00:20:20,040 --> 00:20:22,760 Speaker 1: there's there's staff, we know all of that. But I 438 00:20:22,800 --> 00:20:26,880 Speaker 1: honestly don't know too many businesses from brown women who 439 00:20:27,000 --> 00:20:31,440 Speaker 1: used to be waitresses just a few years ago in Louisiana, 440 00:20:31,880 --> 00:20:35,000 Speaker 1: single moms who who sell a million dollars worth of 441 00:20:35,000 --> 00:20:37,000 Speaker 1: product in ninety minutes. I mean, if you if you 442 00:20:37,000 --> 00:20:39,720 Speaker 1: know where they are let me know, you know. So, yeah, 443 00:20:39,760 --> 00:20:41,800 Speaker 1: I just thought she was amazing, so I thought she's 444 00:20:41,840 --> 00:20:42,920 Speaker 1: my win for the week. 445 00:20:43,280 --> 00:20:46,120 Speaker 2: That's lovely. Well, I wish I had supported some small 446 00:20:46,160 --> 00:20:49,240 Speaker 2: businesses all my furniture shopping. Now maybe that's why I 447 00:20:49,240 --> 00:20:53,240 Speaker 2: feel bad. Uh dope, Well, I want to do a 448 00:20:53,320 --> 00:20:56,320 Speaker 2: quick boost for I know everyone's been talking about well 449 00:20:56,320 --> 00:20:58,880 Speaker 2: two actually one, you have to go see the movie 450 00:20:58,880 --> 00:21:02,320 Speaker 2: Widows if you haven't yet. It's an amazing movie with 451 00:21:02,400 --> 00:21:06,119 Speaker 2: like a majority minority female cast who are like badass. 452 00:21:07,280 --> 00:21:09,040 Speaker 2: I don't even know how to describe, like a heist 453 00:21:09,119 --> 00:21:12,480 Speaker 2: movie mixed with like a political thriller. It's got Viola Davis, 454 00:21:12,560 --> 00:21:15,200 Speaker 2: Michelle Rodriguez, Cynthia Rivo. It's really really good. 455 00:21:15,640 --> 00:21:17,919 Speaker 1: You know, she's a wave, Cynthia Rivo, she's in our 456 00:21:17,920 --> 00:21:19,080 Speaker 1: ways with Epic and Volta. 457 00:21:19,520 --> 00:21:23,199 Speaker 2: I know, yeah, you've talked. I know, I know, I 458 00:21:23,200 --> 00:21:27,159 Speaker 2: know you got connects. Yeah, it was really really amazing 459 00:21:27,320 --> 00:21:29,440 Speaker 2: and it was directed by the same director from Twelve 460 00:21:29,520 --> 00:21:31,240 Speaker 2: Years a Slave. I think that was like his first 461 00:21:31,280 --> 00:21:33,080 Speaker 2: or second movie since Twelve Years a Slave, and it 462 00:21:33,119 --> 00:21:36,280 Speaker 2: couldn't have been more different. So if you're going out 463 00:21:36,320 --> 00:21:40,040 Speaker 2: to see Creed, go see widows too, maybe first because 464 00:21:40,040 --> 00:21:43,200 Speaker 2: they need some support. Secondly, I know everyone's been talking 465 00:21:43,240 --> 00:21:45,800 Speaker 2: about Michelle Obama's book, but if you haven't like people 466 00:21:45,840 --> 00:21:49,000 Speaker 2: maybe talking, but like actually read the book, it's really 467 00:21:49,000 --> 00:21:51,000 Speaker 2: really good. I haven't actually read it. I've been listening 468 00:21:51,000 --> 00:21:53,960 Speaker 2: to the audio book, which I recommend, because something about 469 00:21:54,000 --> 00:21:56,399 Speaker 2: Michelle Obama telling you her life story was just like 470 00:21:56,440 --> 00:21:58,679 Speaker 2: the therapy I didn't know that I needed. And I 471 00:21:58,760 --> 00:22:01,080 Speaker 2: joked about it being therapy, but legit, I don't know 472 00:22:01,119 --> 00:22:05,560 Speaker 2: something about her stories everything, like and I'm not really understanding. 473 00:22:06,040 --> 00:22:08,720 Speaker 2: We know, I knew of of Michelle, like you know, 474 00:22:08,840 --> 00:22:10,879 Speaker 2: surface level from what I heard in the news and everything, 475 00:22:10,920 --> 00:22:13,680 Speaker 2: but like actually hearing how she grew up in Chicago, 476 00:22:14,760 --> 00:22:16,760 Speaker 2: how she found her way into law school, how she 477 00:22:16,840 --> 00:22:20,119 Speaker 2: realized how unhappy she was in the legal profession. It 478 00:22:20,200 --> 00:22:22,920 Speaker 2: was just really refreshing to hear, even that she had 479 00:22:22,960 --> 00:22:25,680 Speaker 2: doubts in her twenties. So if you need like pick 480 00:22:25,760 --> 00:22:27,840 Speaker 2: me up or you need you need to like hear 481 00:22:27,880 --> 00:22:31,160 Speaker 2: a story from a big sister or an auntie about 482 00:22:31,200 --> 00:22:33,840 Speaker 2: how they sort of dealt with the on the insecure 483 00:22:33,920 --> 00:22:35,879 Speaker 2: years of their life. I was really I'm just like 484 00:22:35,920 --> 00:22:39,800 Speaker 2: surprised how open she is in her book, so really 485 00:22:39,800 --> 00:22:42,000 Speaker 2: really recommend it. I love the audiobook because it's actually 486 00:22:42,040 --> 00:22:46,040 Speaker 2: her telling her story, and her voice is just lovely, 487 00:22:46,080 --> 00:22:48,560 Speaker 2: and she even sings a little bit. It's nice and 488 00:22:48,640 --> 00:22:51,080 Speaker 2: she does just like a tiny bit. 489 00:22:52,119 --> 00:22:52,560 Speaker 1: I don't know. 490 00:22:52,640 --> 00:22:54,520 Speaker 2: It's sweet. And she tells a story even of how 491 00:22:54,520 --> 00:22:58,280 Speaker 2: her her dad passed away and actually was literally crying 492 00:22:58,359 --> 00:23:00,879 Speaker 2: on the train, which I don't really do listening to 493 00:23:00,880 --> 00:23:05,120 Speaker 2: audiobooks ever, but you can tell she put everything into 494 00:23:05,119 --> 00:23:08,400 Speaker 2: this book and it's really amazing. So go get your copy. 495 00:23:08,440 --> 00:23:10,639 Speaker 2: There's a reason it's sold like close to a million copies. 496 00:23:10,640 --> 00:23:15,520 Speaker 2: It's first week. It's that good. It's the anti Trump, 497 00:23:16,080 --> 00:23:17,880 Speaker 2: So pick it up if you haven't yet. 498 00:23:19,040 --> 00:23:22,640 Speaker 1: No, that that's just warms my heart. I'm like, yes, 499 00:23:23,560 --> 00:23:24,800 Speaker 1: I'll here slang for the. 500 00:23:24,760 --> 00:23:43,080 Speaker 2: Gold perfect seguay for questions? Did I get it that time? 501 00:23:43,440 --> 00:23:44,280 Speaker 2: Did a good segue? 502 00:23:44,400 --> 00:23:48,240 Speaker 1: Oh yeah, maybe it's a perfect seu. I'm like, let 503 00:23:48,280 --> 00:23:50,600 Speaker 1: me see if maybe going do this this transit. 504 00:23:50,240 --> 00:23:52,920 Speaker 2: You I pulled the train around? Got it? All right? 505 00:23:53,000 --> 00:23:56,280 Speaker 2: We do have some great questions from our listeners today. 506 00:23:57,080 --> 00:24:01,000 Speaker 2: Let's start with a light one. Let's see a little 507 00:24:01,080 --> 00:24:03,960 Speaker 2: light and fun one. Okay, so for the holidays, maybe 508 00:24:04,000 --> 00:24:05,720 Speaker 2: not light and fun. Maybe it's light and fun to me, 509 00:24:06,200 --> 00:24:08,680 Speaker 2: but this question. This comes from a listener who wants 510 00:24:08,680 --> 00:24:12,720 Speaker 2: to remain anonymous, but is wondering about using prepaid cards 511 00:24:12,720 --> 00:24:15,800 Speaker 2: for her holiday shopping. Okay, she says, I have a 512 00:24:15,880 --> 00:24:18,920 Speaker 2: question regarding prepaid cards. Through the year, I saved money 513 00:24:19,000 --> 00:24:21,760 Speaker 2: for the holidays to use for my holiday related expenses, 514 00:24:22,040 --> 00:24:24,280 Speaker 2: but I don't like to mix my holiday money in 515 00:24:24,320 --> 00:24:26,359 Speaker 2: with my regular money. I'd like to know if I 516 00:24:26,400 --> 00:24:29,000 Speaker 2: should use a prepaid card and would you recommend any 517 00:24:29,040 --> 00:24:36,400 Speaker 2: particular prepaid card for my holiday spending? Anonymous, very mysterious. 518 00:24:36,520 --> 00:24:39,199 Speaker 2: This is a smart idea because with prepaid cards you 519 00:24:39,240 --> 00:24:41,520 Speaker 2: basically load money. It can be a smart idea if 520 00:24:41,520 --> 00:24:43,160 Speaker 2: you choose the right one. So it's good that you're 521 00:24:43,560 --> 00:24:48,280 Speaker 2: asking for recommendations. A prepaid debit card if you load 522 00:24:48,320 --> 00:24:50,160 Speaker 2: money onto it, and then you can use it same 523 00:24:50,200 --> 00:24:52,240 Speaker 2: as cash or same as a same as a debit 524 00:24:52,280 --> 00:24:54,800 Speaker 2: card basically, or even a credit card. You swipe it 525 00:24:54,840 --> 00:24:57,800 Speaker 2: at the register, and as long as you've got sufficient funds, 526 00:24:58,520 --> 00:25:01,919 Speaker 2: you know it'll debit your prepaid account, and if you 527 00:25:01,960 --> 00:25:04,560 Speaker 2: want to keep your it's a nice way to budget 528 00:25:04,680 --> 00:25:07,600 Speaker 2: if you want to keep money separately, like this listener 529 00:25:08,200 --> 00:25:10,520 Speaker 2: says she wants to keep money separately. Where you can 530 00:25:10,560 --> 00:25:13,600 Speaker 2: get into trouble though, is prepaid cards. You know, unlike banks. 531 00:25:13,640 --> 00:25:16,200 Speaker 2: They have you know, not unlike banks, but just like banks, 532 00:25:16,240 --> 00:25:19,119 Speaker 2: they need to make money somehow, and often how they 533 00:25:19,160 --> 00:25:21,960 Speaker 2: do that is by charging fees. And some of these 534 00:25:21,960 --> 00:25:24,000 Speaker 2: cards will charge you a fee if you put money 535 00:25:24,040 --> 00:25:27,240 Speaker 2: onto the card, like a reload fee. They'll obviously charge 536 00:25:27,240 --> 00:25:30,520 Speaker 2: you ATM fee. If you use ATMs that are out 537 00:25:30,560 --> 00:25:33,480 Speaker 2: of their network. They may charge you to replace a 538 00:25:33,520 --> 00:25:37,520 Speaker 2: card if you lose it. For example, they may charge 539 00:25:37,520 --> 00:25:40,359 Speaker 2: you a monthly service fee. So you really have to 540 00:25:40,359 --> 00:25:42,800 Speaker 2: be careful and choose a card that has very few 541 00:25:42,840 --> 00:25:46,560 Speaker 2: fees if you're looking for a card. And I don't 542 00:25:46,600 --> 00:25:48,399 Speaker 2: know if you have any anything else to add, but 543 00:25:48,480 --> 00:25:51,280 Speaker 2: I did pull up like credit Karma dot COM's got 544 00:25:51,320 --> 00:25:54,639 Speaker 2: a good roundup of its best prepaid cards for twenty eighteen. 545 00:25:54,680 --> 00:25:56,000 Speaker 2: So I was just going to read off a couple 546 00:25:57,280 --> 00:25:59,480 Speaker 2: of their recommendations. 547 00:25:58,560 --> 00:26:00,480 Speaker 1: So you can also join like they have those qrits. 548 00:26:00,520 --> 00:26:02,600 Speaker 1: But no, go ahead, I think this is this is better. 549 00:26:02,600 --> 00:26:05,760 Speaker 2: Well yeah, Bank Christmas Club. Yeah, so obviously when you're 550 00:26:05,760 --> 00:26:07,439 Speaker 2: looking for a prepaid card, you want to look for 551 00:26:07,480 --> 00:26:09,399 Speaker 2: a card that's going to be accepted at most places 552 00:26:09,440 --> 00:26:11,879 Speaker 2: where you shop, so make sure that it's you know, 553 00:26:12,480 --> 00:26:15,600 Speaker 2: issued by an issue where that's largely accepted. You also 554 00:26:15,600 --> 00:26:17,160 Speaker 2: want to make sure it has low fees, so look 555 00:26:17,200 --> 00:26:19,440 Speaker 2: for a card that has no monthly fee, you know, 556 00:26:19,520 --> 00:26:22,880 Speaker 2: doesn't charge you high fees for ATM, or any fees 557 00:26:22,880 --> 00:26:25,080 Speaker 2: at all is even better. So some of the best 558 00:26:25,160 --> 00:26:28,720 Speaker 2: cards on Credit Karma's list are the Bluebird prepaid card 559 00:26:28,720 --> 00:26:32,199 Speaker 2: by American Express. There's even a card they recommend that 560 00:26:32,240 --> 00:26:35,600 Speaker 2: offers rewards on your spending, the American Express Serve Cash 561 00:26:35,640 --> 00:26:38,160 Speaker 2: Back Card. I haven't used any of these cards in particular. 562 00:26:38,200 --> 00:26:41,120 Speaker 2: These are Credit Karma's recommendations, and they've got a whole 563 00:26:41,119 --> 00:26:43,359 Speaker 2: methodology here. I'll put the link in the show notes. 564 00:26:44,760 --> 00:26:49,280 Speaker 2: Best card that has free reloads they mentioned Chase Liquid Card. 565 00:26:49,680 --> 00:26:53,080 Speaker 2: There's also a PayPal prepaid master card that they recommend. 566 00:26:53,520 --> 00:26:56,000 Speaker 2: So Google, you know, Google is your friend when you're 567 00:26:56,040 --> 00:26:59,720 Speaker 2: looking to compare prepaid card offerings out there, because there's 568 00:26:59,760 --> 00:27:01,919 Speaker 2: a there's a bunch out there, but not all of 569 00:27:01,960 --> 00:27:04,399 Speaker 2: them are as good as some. 570 00:27:05,720 --> 00:27:08,640 Speaker 1: Yeah, and then too like I mentioned earlier like sometimes 571 00:27:08,640 --> 00:27:11,080 Speaker 1: banks have Christmas clubs. It sounds very old school, but 572 00:27:11,440 --> 00:27:14,280 Speaker 1: basically you set aside your money every month into like 573 00:27:14,359 --> 00:27:18,640 Speaker 1: a special money market or savings account, and they call 574 00:27:18,640 --> 00:27:21,840 Speaker 1: it a Christmas club because at the end of the 575 00:27:22,119 --> 00:27:23,639 Speaker 1: you know you had a little bit of interest. But 576 00:27:23,720 --> 00:27:27,840 Speaker 1: at the end of the year or near nearing when 577 00:27:27,840 --> 00:27:30,280 Speaker 1: it's time to go holiday shopping, you know you're able 578 00:27:30,320 --> 00:27:33,159 Speaker 1: to take your money out and then use it to 579 00:27:33,600 --> 00:27:36,080 Speaker 1: shop for the holidays, knowing that it was safely tucked 580 00:27:36,080 --> 00:27:39,120 Speaker 1: away from you. So it's a little harder to get 581 00:27:39,119 --> 00:27:41,119 Speaker 1: your money than like a regular savings account typically for 582 00:27:41,160 --> 00:27:43,439 Speaker 1: Christmas clubs, because that's the point you wanted to make 583 00:27:43,480 --> 00:27:46,360 Speaker 1: it kind of inconvenient, So that's an option as well too. 584 00:27:48,600 --> 00:27:50,840 Speaker 2: Exactly. Well, hopefully that helped, And if you guys have 585 00:27:50,880 --> 00:27:53,800 Speaker 2: any other holiday spending tips you want to share, let 586 00:27:53,880 --> 00:27:56,760 Speaker 2: us know. I think it's smart to keep your at 587 00:27:56,840 --> 00:27:59,800 Speaker 2: least keep your budget separate so you're not mixing your 588 00:27:59,800 --> 00:28:03,159 Speaker 2: money and not having any ease, making it easier to 589 00:28:03,160 --> 00:28:08,560 Speaker 2: like dip into your savings for holiday spending. So good question, easokly, 590 00:28:09,600 --> 00:28:13,840 Speaker 2: another question, ooh, auto refinancing. This question comes from listener, Jackie. 591 00:28:13,920 --> 00:28:16,760 Speaker 2: She says, I'm considering refinancing my car and would love 592 00:28:16,800 --> 00:28:19,560 Speaker 2: to hear your thoughts. Here's my scenario. I've got a 593 00:28:19,600 --> 00:28:23,159 Speaker 2: car at fifteen point one eight percent. That's a very 594 00:28:23,240 --> 00:28:27,359 Speaker 2: high APR. Geez, fifteen percent APR. Currently working on getting 595 00:28:27,400 --> 00:28:29,720 Speaker 2: my credit score in the seven hundred range, but currently 596 00:28:30,040 --> 00:28:32,440 Speaker 2: I'm at six p nineteen. It's a work in progress. 597 00:28:32,600 --> 00:28:35,080 Speaker 2: I want to make the best decision without worsening my score. 598 00:28:36,000 --> 00:28:38,640 Speaker 2: I've checked and I've seen that I can maybe get 599 00:28:38,640 --> 00:28:41,400 Speaker 2: a lower interest rate that shows a six point nine 600 00:28:41,440 --> 00:28:45,480 Speaker 2: percent APR and a four hundred dollars monthly car payment 601 00:28:46,080 --> 00:28:48,000 Speaker 2: as an option. But I want to know if that's 602 00:28:48,000 --> 00:28:51,520 Speaker 2: the best I can do right now. Will refinancing actually 603 00:28:51,600 --> 00:28:55,520 Speaker 2: help or hurt my credit score? And she just adds 604 00:28:55,520 --> 00:28:58,560 Speaker 2: that she has twenty four thousand dollars left on her 605 00:28:58,680 --> 00:29:03,880 Speaker 2: auto loan. Twenty four thousand dollars at fifteen percent. Ooh girl, yes, 606 00:29:04,040 --> 00:29:09,600 Speaker 2: refinance even as possible, as soon as possible. I'm going 607 00:29:09,640 --> 00:29:11,040 Speaker 2: to go at a limb and guess that when she 608 00:29:11,120 --> 00:29:13,560 Speaker 2: got this loan, she did not shop around for financing 609 00:29:13,600 --> 00:29:15,480 Speaker 2: before she got the loan. She probably got it straight 610 00:29:15,480 --> 00:29:18,520 Speaker 2: from the dealership. Yes, which is the worst thing you 611 00:29:18,600 --> 00:29:18,920 Speaker 2: can do. 612 00:29:19,360 --> 00:29:21,360 Speaker 1: I was just gonna say. I saw someone post that somewhere. 613 00:29:21,400 --> 00:29:24,080 Speaker 1: They're like one of the dream catchers, like, hey, I'm 614 00:29:24,080 --> 00:29:27,720 Speaker 1: gonna go get a car. Should I Should I get 615 00:29:27,720 --> 00:29:29,760 Speaker 1: on my own loan or should I get from the dealership? 616 00:29:29,800 --> 00:29:35,720 Speaker 1: I nearly leapt through the computer was I do? Because 617 00:29:35,760 --> 00:29:39,479 Speaker 1: you got to get the worst interest you know, always, always, always, 618 00:29:39,520 --> 00:29:42,200 Speaker 1: even if you don't have great credit, always come with 619 00:29:42,240 --> 00:29:44,400 Speaker 1: your own financing. And that's just as simple as like, 620 00:29:44,720 --> 00:29:46,720 Speaker 1: you know, going to your bank or better you're going 621 00:29:46,760 --> 00:29:48,400 Speaker 1: to your credit union and saying I want to purchase 622 00:29:48,400 --> 00:29:50,920 Speaker 1: a car, because you're almost always going to get a 623 00:29:50,920 --> 00:29:54,000 Speaker 1: better interest rate than what the car dealership is going 624 00:29:54,040 --> 00:29:55,400 Speaker 1: to give you there they're going to give you the 625 00:29:55,400 --> 00:29:57,880 Speaker 1: worst interest rate possible. So if you come with your 626 00:29:57,880 --> 00:30:00,560 Speaker 1: own financing and say no, I've got my financing from 627 00:30:00,920 --> 00:30:03,680 Speaker 1: my credit union, you're going to be better off. But yes, 628 00:30:03,880 --> 00:30:07,320 Speaker 1: please refinance. And there are some credit unions now that 629 00:30:07,480 --> 00:30:09,000 Speaker 1: even if you haven't been a member for a very 630 00:30:09,000 --> 00:30:11,280 Speaker 1: long time, you can literally sign up that day and apply. 631 00:30:11,640 --> 00:30:14,160 Speaker 1: So if your credit is recent, if you don't, if 632 00:30:14,160 --> 00:30:15,800 Speaker 1: you're not a member of a credit union. And the 633 00:30:15,800 --> 00:30:18,400 Speaker 1: reason why I say credit unions first is because most 634 00:30:18,440 --> 00:30:22,040 Speaker 1: credit unions are nonprofits, and what that means is that 635 00:30:22,040 --> 00:30:24,480 Speaker 1: their interest rate is typically lower than a regular bank 636 00:30:24,520 --> 00:30:28,360 Speaker 1: because their focus is not squeezing as much profit as possible. 637 00:30:28,480 --> 00:30:30,600 Speaker 1: It's just about running the business, making enough to run 638 00:30:30,600 --> 00:30:33,760 Speaker 1: the business, so they offer you better interest rates. So 639 00:30:33,920 --> 00:30:37,360 Speaker 1: trying a credit union seeing if they will loan you 640 00:30:37,440 --> 00:30:40,040 Speaker 1: the money or help you refinance your current paying it 641 00:30:40,080 --> 00:30:43,920 Speaker 1: off that way. I mean, unless your credit is like really, really, 642 00:30:43,920 --> 00:30:46,920 Speaker 1: really bad, I'm almost positive you could do better than 643 00:30:46,960 --> 00:30:48,240 Speaker 1: fifteen percent someplace else. 644 00:30:48,400 --> 00:30:50,800 Speaker 2: Yeah, she just got a six nineteen, so it's not good, 645 00:30:51,000 --> 00:30:53,520 Speaker 2: it's not even great. It's it's like in the fair 646 00:30:53,680 --> 00:30:57,120 Speaker 2: maybe poor category. I think six twenty is like the 647 00:30:57,240 --> 00:31:00,360 Speaker 2: ceiling to where you get into fair credit category. But 648 00:31:00,400 --> 00:31:02,520 Speaker 2: you're close. So the worst thing you can do is 649 00:31:02,520 --> 00:31:04,680 Speaker 2: miss a payment, So keep making your payments. And I 650 00:31:04,720 --> 00:31:07,719 Speaker 2: think tip's right with port with credit on the borderline 651 00:31:07,760 --> 00:31:11,080 Speaker 2: like that, credit unions make a lot of sense and credit, 652 00:31:11,160 --> 00:31:14,200 Speaker 2: you know, refinancing, you'll you will have a hard inquiry 653 00:31:14,240 --> 00:31:16,360 Speaker 2: on your credit to see if you get approved. But 654 00:31:16,480 --> 00:31:19,080 Speaker 2: I think the benefit in the long term is way 655 00:31:19,200 --> 00:31:23,160 Speaker 2: far outweighs the ding to your credit temporarily. I just 656 00:31:23,200 --> 00:31:26,000 Speaker 2: did it quick. You can look up online refinance or sorry, 657 00:31:26,000 --> 00:31:28,560 Speaker 2: auto loan calculators where you can see how much interest 658 00:31:28,600 --> 00:31:31,640 Speaker 2: you'll pay. And I'm assuming that you've got forty eight 659 00:31:31,640 --> 00:31:34,440 Speaker 2: months left on your on your fifteen percent auto loan. 660 00:31:34,480 --> 00:31:37,280 Speaker 2: At twenty four thousand dollars, you're going to spend over 661 00:31:37,600 --> 00:31:40,440 Speaker 2: eight thousand dollars in total interest if you keep this 662 00:31:40,560 --> 00:31:42,880 Speaker 2: loan as it is. So Really that twenty four thousand 663 00:31:42,880 --> 00:31:46,080 Speaker 2: dollars car is like thirty two thousand dollars. So you 664 00:31:46,120 --> 00:31:48,560 Speaker 2: want to get a lower rate as soon as possible. 665 00:31:49,080 --> 00:31:52,400 Speaker 2: And I think, Tiff, that's good advice. Yeah, going to 666 00:31:52,440 --> 00:31:55,760 Speaker 2: your credit union. Thank'd me for more close. 667 00:31:56,400 --> 00:31:57,880 Speaker 1: Yeah, you want to do what you want to do? 668 00:31:57,880 --> 00:31:58,920 Speaker 1: One more? You think we're a. 669 00:31:58,960 --> 00:32:03,480 Speaker 2: Good Yeah, let's do one more question. This is anonymous Unamas, Unamas, 670 00:32:03,480 --> 00:32:06,560 Speaker 2: why not? Three's a good number? Okay? This is another 671 00:32:06,640 --> 00:32:11,400 Speaker 2: anonymous question, she says. This is another anonymous question. She says, 672 00:32:11,480 --> 00:32:13,600 Speaker 2: I'm in the process of divorce, so I decided to 673 00:32:13,640 --> 00:32:15,920 Speaker 2: take a little more interest in my credit in the past. 674 00:32:16,320 --> 00:32:18,080 Speaker 2: In the past, I paid a lot of money to 675 00:32:18,160 --> 00:32:21,160 Speaker 2: have some items deleted off my credit report. To me, 676 00:32:21,240 --> 00:32:24,240 Speaker 2: it was a waste of money and nothing was done. Okay, 677 00:32:24,240 --> 00:32:26,280 Speaker 2: this is bandy. I think that she's she's saying that 678 00:32:26,320 --> 00:32:29,680 Speaker 2: she hired like a credit repair form firm or something. Okay, 679 00:32:29,720 --> 00:32:31,040 Speaker 2: so she's paid a lot of money to have some 680 00:32:31,080 --> 00:32:34,000 Speaker 2: items deleted off her credits. So now she says, as 681 00:32:34,000 --> 00:32:37,120 Speaker 2: of October, I sent a letter to Macy's, Sally May, 682 00:32:37,600 --> 00:32:41,560 Speaker 2: and Naviant to get deleted items off my credit report. 683 00:32:41,640 --> 00:32:45,360 Speaker 2: Macy's was paid in full, and sally May, Slash Naviant 684 00:32:45,360 --> 00:32:47,640 Speaker 2: failed to report the payments I made every month to 685 00:32:47,720 --> 00:32:50,120 Speaker 2: the credit bureau. These items are shown as closed on 686 00:32:50,160 --> 00:32:52,479 Speaker 2: my credit report. How can I have these items deleted 687 00:32:52,520 --> 00:32:56,560 Speaker 2: off my credit report? Don't? Don't. So this is a 688 00:32:56,560 --> 00:33:01,440 Speaker 2: bit confusing. It seems like she's had You can't get 689 00:33:01,440 --> 00:33:05,160 Speaker 2: items deleted off your credit report unless they're errors, right, 690 00:33:05,240 --> 00:33:06,320 Speaker 2: unless they're inaccurate. 691 00:33:06,440 --> 00:33:10,000 Speaker 1: Yeah. I don't know where that came from. That. I 692 00:33:10,040 --> 00:33:11,520 Speaker 1: think it's like, you know, how like all these people 693 00:33:11,520 --> 00:33:13,760 Speaker 1: are like credit experts now or not credit experts, but 694 00:33:13,840 --> 00:33:16,480 Speaker 1: like literally they you know, people are fixing credit like 695 00:33:16,520 --> 00:33:18,479 Speaker 1: that's like the new thing, Like that's the new cutcoa 696 00:33:18,520 --> 00:33:23,440 Speaker 1: knives and like MLM, yeah, you know. But like I'm 697 00:33:23,520 --> 00:33:26,080 Speaker 1: like when Dreamcatchers said that, they're like, oh girl, so 698 00:33:26,160 --> 00:33:27,760 Speaker 1: I was late. How I get that off my credit 699 00:33:27,800 --> 00:33:32,840 Speaker 1: I'm like, did it? Is it true? Yeah? Well it's 700 00:33:32,880 --> 00:33:35,160 Speaker 1: not of at all. Like it's like saying, oh, I 701 00:33:35,160 --> 00:33:37,320 Speaker 1: got a D on my on my test? How do 702 00:33:37,360 --> 00:33:39,120 Speaker 1: I get that off my report card? Well did you 703 00:33:39,120 --> 00:33:42,760 Speaker 1: get a D? Yeah? Well it's a D. I mean 704 00:33:42,840 --> 00:33:45,240 Speaker 1: you can, you can certainly now it is possible to 705 00:33:45,280 --> 00:33:47,160 Speaker 1: beg your teacher. And if I do this, this and this, 706 00:33:47,240 --> 00:33:49,239 Speaker 1: can we turn into a C and your teacher might 707 00:33:49,280 --> 00:33:52,400 Speaker 1: have mercy on you and say okay, but they're under 708 00:33:52,480 --> 00:33:55,160 Speaker 1: no obligation to do so. Same thing with your credit. 709 00:33:55,240 --> 00:33:58,280 Speaker 1: So if you've done something, we've all made mistakes that 710 00:33:58,400 --> 00:34:00,960 Speaker 1: I've been late before. Shoot, they took my house. I 711 00:34:01,040 --> 00:34:04,760 Speaker 1: was so late. So but did my house go into foreclosure? Yes? 712 00:34:04,960 --> 00:34:08,960 Speaker 1: It is foreclosure on my credit report? Yes, did it happen. Yes. 713 00:34:09,280 --> 00:34:12,680 Speaker 1: When you dispute, you're really supposed to be disputing things 714 00:34:12,719 --> 00:34:16,040 Speaker 1: that are not true, not things that are true that 715 00:34:16,080 --> 00:34:18,920 Speaker 1: you just don't like. And so like yeah, like if 716 00:34:18,960 --> 00:34:21,000 Speaker 1: I mean, like I said, sometimes you can convince the 717 00:34:22,239 --> 00:34:25,160 Speaker 1: creditor that you owe that if you, you know, make 718 00:34:25,200 --> 00:34:27,279 Speaker 1: reparations or you make certain payments or whatever, that they 719 00:34:27,320 --> 00:34:31,360 Speaker 1: can sometimes withdraw things, but they're under no obligation to 720 00:34:31,400 --> 00:34:33,680 Speaker 1: do so. Honestly, it's because it's true. 721 00:34:33,840 --> 00:34:38,200 Speaker 2: So yeah, and it sounds like she's talking about these 722 00:34:38,200 --> 00:34:40,000 Speaker 2: accounts being closed now, so why are they still on 723 00:34:40,000 --> 00:34:43,000 Speaker 2: my credit Well, I'm what I'm assuming is that she 724 00:34:43,040 --> 00:34:45,759 Speaker 2: miss payments in the past, and even though you've paid 725 00:34:45,800 --> 00:34:48,520 Speaker 2: off the debts by now, those missed payments, if it's 726 00:34:48,520 --> 00:34:52,240 Speaker 2: within seven years, we'll stay on your credit report until 727 00:34:52,280 --> 00:34:55,040 Speaker 2: the seven year mark and then they'll drop off. Even 728 00:34:55,200 --> 00:34:57,440 Speaker 2: I'm an account's closed, it'll stay in your credit report, 729 00:34:58,000 --> 00:34:59,480 Speaker 2: I think for the full seven years. 730 00:34:59,360 --> 00:35:03,000 Speaker 1: Right, Yeah, I mean typically, But here's the thing too, that, 731 00:35:03,200 --> 00:35:05,680 Speaker 1: like your things that are on your credit report, it's 732 00:35:05,719 --> 00:35:08,520 Speaker 1: really the last two years that make the most impact 733 00:35:08,520 --> 00:35:10,719 Speaker 1: on your actual score. So will it be on your 734 00:35:10,760 --> 00:35:14,000 Speaker 1: credit report, yes, Will it affect your score after two 735 00:35:14,080 --> 00:35:17,240 Speaker 1: years not as much, so, you know, I tell people 736 00:35:17,320 --> 00:35:20,000 Speaker 1: like it typically it's only when like someone's pulling up 737 00:35:20,040 --> 00:35:22,480 Speaker 1: your score and judging you according like like you know, 738 00:35:22,520 --> 00:35:26,040 Speaker 1: your mortgage person is likely gonna look. But ultimately people 739 00:35:26,080 --> 00:35:29,040 Speaker 1: are looking at your score so just you know, moving forward, 740 00:35:29,120 --> 00:35:32,360 Speaker 1: make the best decisions you can possible with your finances, 741 00:35:32,480 --> 00:35:35,080 Speaker 1: especially as it relates to credit. And you know, within 742 00:35:35,280 --> 00:35:37,480 Speaker 1: a year or two you should you should be back 743 00:35:37,480 --> 00:35:39,600 Speaker 1: where you were or better than before. 744 00:35:40,640 --> 00:35:42,319 Speaker 2: Time is your friend. People don't want to hear that 745 00:35:42,360 --> 00:35:45,120 Speaker 2: time is what it takes to heal all wounds. But 746 00:35:45,239 --> 00:35:48,799 Speaker 2: it's so true. Give yourself time. But at least you're 747 00:35:48,800 --> 00:35:52,160 Speaker 2: paying attention now. But don't just be careful about trusting 748 00:35:52,200 --> 00:35:54,200 Speaker 2: anyone who says they can have something deleted off your 749 00:35:54,200 --> 00:35:56,759 Speaker 2: credit report and just promise that upfront because it may 750 00:35:56,800 --> 00:35:57,399 Speaker 2: not be the case. 751 00:35:58,920 --> 00:36:01,360 Speaker 1: Yeah, I agree. 752 00:36:01,600 --> 00:36:04,680 Speaker 2: All right, Well, thank you guys for another week. Thank you. 753 00:36:05,080 --> 00:36:08,200 Speaker 1: Yes, it has been awesome us for you. 754 00:36:09,680 --> 00:36:13,000 Speaker 2: Where has the year gone? It's almost December? I can't 755 00:36:13,480 --> 00:36:13,879 Speaker 2: I know. 756 00:36:14,520 --> 00:36:16,960 Speaker 1: I feel like it's both slow and fast, you know. 757 00:36:18,120 --> 00:36:21,520 Speaker 1: Oh I didn't share this, so for everybody knows we do. 758 00:36:21,600 --> 00:36:23,880 Speaker 1: Oh I'm going to miss you on this literature challenge, Amanda, 759 00:36:25,080 --> 00:36:26,560 Speaker 1: but hey, you can always pop in if you'd like, 760 00:36:26,600 --> 00:36:28,680 Speaker 1: so everyone knows that we do. I do the Liverature 761 00:36:28,760 --> 00:36:34,560 Speaker 1: Challenge every year and have a new subject every year. 762 00:36:34,640 --> 00:36:37,120 Speaker 1: Last year was networth, the year before was credit, which 763 00:36:37,120 --> 00:36:40,160 Speaker 1: I did with Mandy and Credit and the Magnifi Money 764 00:36:40,160 --> 00:36:44,279 Speaker 1: which was super fun. So our upcoming year is the 765 00:36:44,440 --> 00:36:48,160 Speaker 1: Home Buying Edition. I'm super guided because so many people 766 00:36:48,200 --> 00:36:49,759 Speaker 1: you know, want to purchase home. So I said, well, 767 00:36:49,800 --> 00:36:52,520 Speaker 1: what if I created a challenge that kind of walked 768 00:36:52,520 --> 00:36:56,160 Speaker 1: you through less so about credits. We've done credit and 769 00:36:56,239 --> 00:36:58,439 Speaker 1: not even so much about savings, but just the home 770 00:36:58,480 --> 00:37:01,040 Speaker 1: buying process, like what can you ex expect, what kind 771 00:37:01,040 --> 00:37:03,120 Speaker 1: of documents do you need to get together? Who do 772 00:37:03,160 --> 00:37:05,040 Speaker 1: you need to have on your team? And so the 773 00:37:05,160 --> 00:37:07,399 Speaker 1: Liverate your Home Buying Edition is it's going to teach 774 00:37:07,440 --> 00:37:10,120 Speaker 1: you all that and as usual, it is free. All 775 00:37:10,120 --> 00:37:12,799 Speaker 1: the challenges are always free. It's my way of giving 776 00:37:12,840 --> 00:37:15,520 Speaker 1: back every year. And so if you like to sign up, 777 00:37:15,880 --> 00:37:18,520 Speaker 1: you can go to l r C for Liverature Challenge 778 00:37:18,800 --> 00:37:22,440 Speaker 1: home Buying dot Com that's l r C Home Buying 779 00:37:22,560 --> 00:37:25,919 Speaker 1: dot Com and sign up and get walked through step 780 00:37:25,960 --> 00:37:28,279 Speaker 1: by step into three week online free course where every 781 00:37:28,360 --> 00:37:31,479 Speaker 1: day you get an email in your inbox that leads 782 00:37:31,480 --> 00:37:36,600 Speaker 1: you to that they tip and task and they collectively 783 00:37:37,120 --> 00:37:40,200 Speaker 1: will have you ready to purchase a home, or at 784 00:37:40,280 --> 00:37:43,040 Speaker 1: least the knowledge to purchase a home I'm in twenty 785 00:37:43,040 --> 00:37:44,200 Speaker 1: two days, so I'm excited. 786 00:37:44,400 --> 00:37:46,480 Speaker 2: Oh that's perfect. Wait, why can't I be a part 787 00:37:46,520 --> 00:37:46,719 Speaker 2: of it? 788 00:37:47,640 --> 00:37:50,440 Speaker 1: No, you can. I just say, you know, well, you well, 789 00:37:50,440 --> 00:37:51,799 Speaker 1: I'm just saying I would love to have you because 790 00:37:51,800 --> 00:37:53,760 Speaker 1: I remember we had so much fun when we remember 791 00:37:53,800 --> 00:37:56,359 Speaker 1: we used to do the weekly the weekly. 792 00:37:56,080 --> 00:37:58,120 Speaker 2: Video lives about it. 793 00:37:59,040 --> 00:38:00,760 Speaker 1: So now, yeah, if you love to come on. Honestly, 794 00:38:00,800 --> 00:38:03,200 Speaker 1: I just I love the different perspectives. So I think 795 00:38:03,280 --> 00:38:06,360 Speaker 1: that I if you want to come and like do 796 00:38:06,400 --> 00:38:09,400 Speaker 1: a live lesson, we could meet up someplace and like 797 00:38:09,440 --> 00:38:11,160 Speaker 1: for one of the tasks. I would love that. Honestly, 798 00:38:11,200 --> 00:38:13,120 Speaker 1: I'm trying to get as many of my friends who've 799 00:38:13,120 --> 00:38:15,640 Speaker 1: purchased homes or who are in the process to do so, 800 00:38:15,680 --> 00:38:18,200 Speaker 1: because everyone's process is kind of different, and so it's 801 00:38:18,239 --> 00:38:20,239 Speaker 1: nice for people to see themselves and like, oh that 802 00:38:20,360 --> 00:38:23,440 Speaker 1: was me, Like you had a really smooth process. Drina 803 00:38:23,520 --> 00:38:26,200 Speaker 1: congratulations just closed on her home and it was not 804 00:38:26,239 --> 00:38:30,239 Speaker 1: smooth at all. My process. It was rocky. But she 805 00:38:30,320 --> 00:38:33,000 Speaker 1: closed and so she was like, because she's an because 806 00:38:33,040 --> 00:38:35,920 Speaker 1: she's an entrepreneur, the process was totally different, yes, and 807 00:38:35,920 --> 00:38:38,640 Speaker 1: it was like, well, child, she was like, but this 808 00:38:38,760 --> 00:38:40,919 Speaker 1: is crazy. We need this. We need your blood type, 809 00:38:40,920 --> 00:38:43,439 Speaker 1: we need the last hair that fell from your home. 810 00:38:43,680 --> 00:38:48,000 Speaker 1: We need and she was like, I almost she wanted 811 00:38:48,040 --> 00:38:49,840 Speaker 1: to walk away so many times. And me, you know, 812 00:38:49,920 --> 00:38:51,799 Speaker 1: since I bought my home in cash, that was a 813 00:38:51,840 --> 00:38:54,920 Speaker 1: totally different process. So yeah, if you want to, you 814 00:38:54,960 --> 00:38:56,960 Speaker 1: want to come and do a live video lesson with me, 815 00:38:57,080 --> 00:38:57,640 Speaker 1: I'd love that. 816 00:38:58,080 --> 00:38:59,480 Speaker 2: You can say, no, I did kind of put you 817 00:38:59,520 --> 00:39:03,319 Speaker 2: on blast and had asked you publicly I witnesses, but 818 00:39:03,480 --> 00:39:05,640 Speaker 2: thank you. 819 00:39:05,640 --> 00:39:08,000 Speaker 1: No, I I love that. I think you're like, yes, 820 00:39:08,440 --> 00:39:09,839 Speaker 1: do we do we have a home, And maybe I'll 821 00:39:09,880 --> 00:39:12,520 Speaker 1: put the around a mission like I know, we had 822 00:39:12,560 --> 00:39:14,600 Speaker 1: one where we talked about our homes like a lot, 823 00:39:14,640 --> 00:39:15,480 Speaker 1: so maybe I'll put that. 824 00:39:15,400 --> 00:39:16,480 Speaker 2: In its like every episode. 825 00:39:17,719 --> 00:39:19,279 Speaker 1: No, but there was one in particular where we love 826 00:39:19,360 --> 00:39:22,000 Speaker 1: talked about it like that whole time, So maybe I'll 827 00:39:22,040 --> 00:39:24,879 Speaker 1: put that in. It's like required listening. So yeah, so 828 00:39:24,920 --> 00:39:26,520 Speaker 1: you guys, you know, if you want to sign up 829 00:39:26,520 --> 00:39:28,319 Speaker 1: for the home Buying edition, we'd love to have you. 830 00:39:29,000 --> 00:39:32,960 Speaker 1: L RC Home Buying, do come and I will see 831 00:39:33,000 --> 00:39:33,799 Speaker 1: you at the house for me