WEBVTT - 'Deleting' Bad Credit History Isn't a Thing

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<v Speaker 1>Hey, Hey, we're back. We're black, We're brown. I'm tippinging.

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<v Speaker 2>Hey, guys, this Mandy.

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<v Speaker 1>You know that's where like it's like, I don't know

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<v Speaker 1>if you've ever seen my IG stories, like whenever I

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<v Speaker 1>travel with Drina, you and Drina are like the straight

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<v Speaker 1>the straight guy and what is the other person's like title,

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<v Speaker 1>goofball something, because I'm always like, hey, Drina, Adrina looks

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<v Speaker 1>at the camera like Sup.

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<v Speaker 2>It's just hard to match that energy. Tif. I just

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<v Speaker 2>want to let you shine, you know.

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<v Speaker 1>I guess I always have dreamas and Mandy's around me.

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<v Speaker 1>I'm always like, what it's a good balance.

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<v Speaker 2>Yin and Yang? Yin and Yang. Remember our disc profiles.

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<v Speaker 2>You're exactly the opposite of my disc profile?

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<v Speaker 1>What did you end up being? Again?

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<v Speaker 2>I'm a high and you guys, you need to go

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<v Speaker 2>back and listen to I don't even know what episode

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<v Speaker 2>it was we talk about all about the disc personality assessment.

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<v Speaker 2>I'm a high D and a high C and you're

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<v Speaker 2>a high I S.

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<v Speaker 1>Yes, I am ok. We make the perfect death.

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<v Speaker 2>We're perfect. My husband's a I S. I'm just saying,

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<v Speaker 2>I'm just saying.

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<v Speaker 1>Oh, Auntie, I wonder what I wonder what Superman is.

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<v Speaker 2>You gotta you can you gotta give him the disk assessment.

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<v Speaker 1>Yeah, I do, to see if we make a perfect disc.

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<v Speaker 1>So how was your gobble day?

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<v Speaker 2>I spent the entire I've never shopped this much. Usually

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<v Speaker 2>I just kind of ignore Black Friday Cyber Monday, but

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<v Speaker 2>we just happened to. It happened to be in the

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<v Speaker 2>week when we needed to order all of the stuff

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<v Speaker 2>for our house, like all the furniture and you know,

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<v Speaker 2>bed and all that kind of stuff. So we literally

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<v Speaker 2>just I have never I mean, I have like a

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<v Speaker 2>stomach ache like you have from eating too much sugar,

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<v Speaker 2>from just like spending, you know, just like spending and

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<v Speaker 2>shopping and promo codes. And I will say it worked

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<v Speaker 2>out really perfect though, because we did basically get a

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<v Speaker 2>lot of money off all of those purchases, which worked

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<v Speaker 2>out perfectly. And that just means that we're almost at

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<v Speaker 2>the finish line.

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<v Speaker 1>Oh I'm so jellousy.

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<v Speaker 2>I can sing too.

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<v Speaker 1>I feel like we are at because we had to

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<v Speaker 1>halt some things because we were waiting something for them

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<v Speaker 1>from the city.

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<v Speaker 2>But too, would you say, I said, ew, halting terrible,

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<v Speaker 2>I know.

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<v Speaker 1>But luckily like tomorrow, well, Wednesday. Whenever you guys listen

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<v Speaker 1>to this is the day that we pick up speed

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<v Speaker 1>and we go back to full time every day until

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<v Speaker 1>it's done. So I'm excited about that. Now we're talking

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<v Speaker 1>about fixtures. Did I tell you Superman's idea? What kind

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<v Speaker 1>of fixture he wanted?

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<v Speaker 2>Wait? Fixture for?

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<v Speaker 1>What fixtures for? Like the house? Like like you know,

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<v Speaker 1>like I'm talking about like plumbing fixtures.

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<v Speaker 2>Okay, gotcha, faucets and stuff.

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<v Speaker 1>Yeah, tell me, Oh my gosh, so he I guess

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<v Speaker 1>I don't know if most guys are super modern, you know,

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<v Speaker 1>like shiny super like you know, like the kind of

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<v Speaker 1>things you see in like a brand new restaurant where

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<v Speaker 1>it's like a plate pouring out the water for you

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<v Speaker 1>and you're like why. And so our house is you know,

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<v Speaker 1>our house was built in the nineteen twenty And not

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<v Speaker 1>to say that stuff is terrible, but the house, it

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<v Speaker 1>doesn't match the house, you know, like there's a lot

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<v Speaker 1>of features in the house that are still original. So

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<v Speaker 1>I was showing him some features. He's like, that's old timey.

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<v Speaker 1>He was like, I want this because we're getting a

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<v Speaker 1>double sink in our master bad. I want this feature.

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<v Speaker 1>And I was like, oh, Superman, that's like way too modern,

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<v Speaker 1>and he was like, yeah, that's why I like it.

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<v Speaker 1>And he's like, how about this, this will be cool.

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<v Speaker 1>How about you pick your feature, your your fixture. I

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<v Speaker 1>pick mine?

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<v Speaker 2>Good luck? Good luck. That's the That's how it's going

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<v Speaker 2>to be with you, guys for the next several months

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<v Speaker 2>until the very end. You haven't lived until you've had

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<v Speaker 2>a shouting mouch about curtains. Okay, you have curtain rods.

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<v Speaker 1>Just to wait to wait, many yo, how are we

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<v Speaker 1>going to have two different fixtures on the same double sink.

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<v Speaker 1>I looked at him like I thought he was. He

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<v Speaker 1>was dead serious. He was like, I don't you pick

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<v Speaker 1>your as I pick mine? I said, honestly, I'm walking away.

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<v Speaker 1>Are you crazy? He was? I said, no, one does that,

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<v Speaker 1>he said, because it hasn't been done. Whytould that be

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<v Speaker 1>like new? Like people will come in our house and say, oh,

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<v Speaker 1>my goodness, that's cool. I'm like, sorry, no, they won't.

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<v Speaker 2>Yeah, and then you just take a piece of tape

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<v Speaker 2>and you just draw it down the entire line of

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<v Speaker 2>the room, and then he's got his side of the house.

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<v Speaker 2>And then no, that's not how it works.

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<v Speaker 1>So I just said I. So luckily we came up

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<v Speaker 1>with a semi solution in that. He said, from the beginning,

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<v Speaker 1>so I was waiting to pull this car because I

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<v Speaker 1>knew I was going to need it later. But I

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<v Speaker 1>pulled it out because I like I had to. He

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<v Speaker 1>had said in the beginning, as long as I can

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<v Speaker 1>do whatever I want in the man Cave, like whatever

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<v Speaker 1>I want. He's got two rooms in the basement, he

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<v Speaker 1>could do whatever he wants that I have the rest

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<v Speaker 1>of the house. So I had to pull that out

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<v Speaker 1>and say, sir, let me pull out our original agreement.

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<v Speaker 1>He said, this is true. This is true. I did

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<v Speaker 1>say that, and he was like, but you asked me.

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<v Speaker 1>I said, you're right. My mistake was asking you additional opinions.

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<v Speaker 1>So I said, that won't happen again, and I will

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<v Speaker 1>not make any decisions in the man Cave. I mean,

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<v Speaker 1>you can make it purple for all I care, but

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<v Speaker 1>leave the rest of the house to me. He said, okay,

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<v Speaker 1>So we'll see how long that lasts. Because Superman has

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<v Speaker 1>opinion about design. Who no, he can't about design.

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<v Speaker 2>They will surprise you, they will. I'm really glad that

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<v Speaker 2>we were working with a third party. Designer, because it

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<v Speaker 2>was almost like the same way I use my financial

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<v Speaker 2>planner as like a tiebreaker or just you know, someone

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<v Speaker 2>to tell them that I'm right. It's worked out pretty

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<v Speaker 2>much the same way, like oh you don't like that,

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<v Speaker 2>Let's see what Julia says, okay, or if they if

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<v Speaker 2>they ask you what you like, you know, if you

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<v Speaker 2>like this thing, and then it's like, oh, yeah I do.

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<v Speaker 2>Let's see what Julia says, knowing that they won't like.

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<v Speaker 1>It, like, oh, Julia says, it doesn't make sense.

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<v Speaker 2>Heer, it's a but uh yeah, home home, home stretch.

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<v Speaker 1>Would you guys eat?

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<v Speaker 2>Oh what did we eat? Oh? Yeah, food happened.

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<v Speaker 1>You know.

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<v Speaker 2>My mother in law she made a giant pork carcass,

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<v Speaker 2>some kind of per neil with some vegetables. And then

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<v Speaker 2>we went to his cousin's house and they listened to

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<v Speaker 2>the podcast. So I'm putting them on blast again. But

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<v Speaker 2>they are like anti Thanksgiving food. So we went over

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<v Speaker 2>there and we had beetball sandwiches and French onion soup

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<v Speaker 2>with peta pie. It was like it was empaiea. It

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<v Speaker 2>was like, this is like a very European Thanksgiving menu,

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<v Speaker 2>but I was I was into it.

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<v Speaker 1>Now it sounds delicious. We had uh We went to

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<v Speaker 1>my parents' house and that was fun, and then we

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<v Speaker 1>went to his sister's house. She usually posts Thanksgiving, so

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<v Speaker 1>that was fun. It was delicious all around. I mean

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<v Speaker 1>there was so much food it didn't make sense. I

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<v Speaker 1>probably gained like five pounds.

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<v Speaker 2>How did a turkey turn out?

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<v Speaker 1>Well? I merely bought it and then passed me, So

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<v Speaker 1>it turned out delicious, That's what I mean. Yes, it

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<v Speaker 1>was so crazy because it was two days before and

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<v Speaker 1>I was like, when Mom texts me like, hey, everyone's

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<v Speaker 1>bringing me something for Thanksgiving? Can you bring the turkey

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<v Speaker 1>in the fixings, I'm like, Mommy, that's called Thanksgiving the

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<v Speaker 1>turkey and the fixing, So what is my what are

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<v Speaker 1>my sisters bringing an appetite? So thankfully my friend Vonda, Hey, Vanda,

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<v Speaker 1>she's got an awesome restaurant, soul food restaurant called Vonda's Kitchen,

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<v Speaker 1>And so I hit her up and I was like,

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<v Speaker 1>so what are you doing for Thanksgiffing? And can you

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<v Speaker 1>make my turkey and some fixings? So she said yeah. She'

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<v Speaker 1>said oh, but we're out of turkeys because she you know,

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<v Speaker 1>she made them vond Cators as well as has a restaurant.

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<v Speaker 1>And so she was like, but we ran out of turkeys.

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<v Speaker 1>I said, oh no, no, no problem. I have a

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<v Speaker 1>turkey that I do have. I just don't have the

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<v Speaker 1>wherewithal to do anything else. And so Vana made turkey delicious.

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<v Speaker 1>Oh my goodness. She stuffed it with like pears and

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<v Speaker 1>all these other things that gave us such an amazing flavor.

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<v Speaker 1>She made baked macaroni and cheese, which was who and

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<v Speaker 1>I'm not supposed to have cheese or anything that. Yeah,

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<v Speaker 1>she was gone for Thanksgiving. I was like, girl, you

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<v Speaker 1>tried it. Baked baked macaroni, cheese. She made candy yams delicious,

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<v Speaker 1>collared greens, corn bread, and then the turkey. So and

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<v Speaker 1>then my sisters brought like lasagna and rice and salmon. Honestly,

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<v Speaker 1>we had so much food and it wasn't even that

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<v Speaker 1>many people, but it was awesome. And then his sister's

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<v Speaker 1>house was ten times more food. So we had a

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<v Speaker 1>really good, fat eating time.

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<v Speaker 2>That's exactly as it should be.

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<v Speaker 1>M hmm, what about you, what's new with you? Oh?

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<v Speaker 2>Okay, So this time last year, I was just about

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<v Speaker 2>to go down for that leadership institute that I did

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<v Speaker 2>last year for like Young Leaders in Media, and it

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<v Speaker 2>was such an amazing week for me, and I said

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<v Speaker 2>I would try and do one of those every year,

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<v Speaker 2>But those programs you can't really plan for because that

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<v Speaker 2>you have to like get you have to apply, and

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<v Speaker 2>there's a lot of competition you have to get accepted.

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<v Speaker 2>But I just submitted an application for I won't quite

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<v Speaker 2>It's not going to be in twenty eighteen, so I

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<v Speaker 2>won't I'll miss it, but it's going to be early

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<v Speaker 2>twenty nineteen. A program that's focused on women leaders in

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<v Speaker 2>journalism and it's called like an accelerator program and the

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<v Speaker 2>same thing. It'll be like a week long experience that

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<v Speaker 2>I've heard really cool things about it and I want

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<v Speaker 2>to keep doing. We had talked a couple of podcasts

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<v Speaker 2>episodes ago about professional conferences and how you work them

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<v Speaker 2>into your schedule, So my personal goal was to try

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<v Speaker 2>and do one per year, and I hope, I hope

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<v Speaker 2>I get in because it sounds really awesome. This will

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<v Speaker 2>be the first one I've done with just women leaders.

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<v Speaker 2>The last one was co ed, so I think it'll

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<v Speaker 2>I don't know. I had such a good experience. I

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<v Speaker 2>think the biggest benefit. One of the big benefits was

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<v Speaker 2>just like the network you get afterward, like the peer

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<v Speaker 2>network that you get where you can. You don't realize

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<v Speaker 2>the value of having people who aren't working with you

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<v Speaker 2>or for you to talk to about what you're doing. Yeah,

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<v Speaker 2>like professionally. So I'm excited.

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<v Speaker 1>That's not awesome. I feel like you got it already.

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<v Speaker 1>I'm claiming it for you.

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<v Speaker 2>Thanks the universe deliver on to me.

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<v Speaker 1>No, that's awesome. No, you're right, it is. It's nice

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<v Speaker 1>to have different perspectives on women who are similar but

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<v Speaker 1>not the same, you know, so that's always dope. Yeah, yeah,

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<v Speaker 1>you know who wants to be a businesswoman.

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<v Speaker 2>Now let me get a Supergirl.

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<v Speaker 1>Why does she send me a business plan via email?

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<v Speaker 2>How she is your stepdaughter?

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<v Speaker 1>Is she not? Like?

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<v Speaker 2>I don't know what you expected.

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<v Speaker 1>It was so hilarious. I'm like, there's something. Supergirl doesn't

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<v Speaker 1>even speak to me. Another day She's like hey girl, Hey,

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<v Speaker 1>And so I'm like, oh, so are you downstairs? Because

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<v Speaker 1>so I read the email. If I tell you, the

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<v Speaker 1>top of it says this email in all caps and

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<v Speaker 1>bolded and large fonts. This is the top and the

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<v Speaker 1>rest is regular this email is for Tiffany. If you

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<v Speaker 1>are not Tiffany, please do not delete. This is Supergirl.

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<v Speaker 1>She knows who I am. Please forward it to her.

0:10:35.000 --> 0:10:38.480
<v Speaker 2>I was rolling, well, she's not off because you'd be

0:10:38.520 --> 0:10:40.559
<v Speaker 2>having other people check your emails.

0:10:42.559 --> 0:10:45.040
<v Speaker 1>When I tell you. And then she had to nerve

0:10:45.120 --> 0:10:47.880
<v Speaker 1>to say, Hi, my business plan is I would like

0:10:47.920 --> 0:10:49.720
<v Speaker 1>to sell She listed all these kind of like chowchi's,

0:10:49.760 --> 0:10:54.240
<v Speaker 1>like lip loss and lip bomb, totally different things, ceramics.

0:10:54.400 --> 0:10:57.480
<v Speaker 1>So secretly Supergirl is still kind of like into dolls,

0:10:57.480 --> 0:10:59.840
<v Speaker 1>like sometimes so she's like, I'm twelve. She doesn't like

0:11:00.160 --> 0:11:01.680
<v Speaker 1>to know, but I'm like, girl, that's fine. I was

0:11:01.679 --> 0:11:03.920
<v Speaker 1>into dolls until I was like fourteen. So she wanted

0:11:03.920 --> 0:11:07.880
<v Speaker 1>to do grocery delivery service for dolls. Wait, oh my.

0:11:09.800 --> 0:11:11.640
<v Speaker 1>She had a list of all of these things. And

0:11:11.679 --> 0:11:13.199
<v Speaker 1>then at the end I was wondering why she was

0:11:13.200 --> 0:11:15.640
<v Speaker 1>sharing with it with me because and then at the

0:11:15.760 --> 0:11:17.760
<v Speaker 1>end she was like, I would like for you to

0:11:17.800 --> 0:11:20.120
<v Speaker 1>share my business with your dream captures so they can

0:11:20.160 --> 0:11:22.800
<v Speaker 1>buy things. And I was like, so let's have a

0:11:22.840 --> 0:11:24.960
<v Speaker 1>talk later. You know about she.

0:11:24.880 --> 0:11:27.559
<v Speaker 2>Wanted to set up her lemonade cart outside of your business.

0:11:27.720 --> 0:11:31.080
<v Speaker 1>I say, when I say I was rolling. I thought

0:11:31.080 --> 0:11:34.040
<v Speaker 1>it was the cutest thing, and I was like, So

0:11:34.120 --> 0:11:37.080
<v Speaker 1>we had a really great talk about you know, your

0:11:37.120 --> 0:11:39.079
<v Speaker 1>market and explained She's like, well, what is that? And

0:11:39.080 --> 0:11:41.360
<v Speaker 1>I explained to her, like, you know what, that's your

0:11:41.360 --> 0:11:44.480
<v Speaker 1>perfect customer and who would actually buy your things, and

0:11:44.520 --> 0:11:46.160
<v Speaker 1>she's like, like people your same age and said I

0:11:46.360 --> 0:11:48.319
<v Speaker 1>was like, you know, it depends. And we talked about

0:11:48.360 --> 0:11:51.800
<v Speaker 1>gross profit versus net profit, about picking one thing to

0:11:51.880 --> 0:11:54.960
<v Speaker 1>deliver on before choosing too many things. And so she

0:11:55.120 --> 0:11:58.120
<v Speaker 1>decided that she's going to make her own lip glosses

0:11:58.120 --> 0:12:00.600
<v Speaker 1>because she saw this video on YouTube, and she's going

0:12:00.640 --> 0:12:02.360
<v Speaker 1>to share them with her friends and then see if

0:12:02.400 --> 0:12:04.240
<v Speaker 1>she can like sell them. So I thought that was

0:12:04.320 --> 0:12:06.000
<v Speaker 1>really She said girls her age and I at her

0:12:06.000 --> 0:12:07.640
<v Speaker 1>age I was I'm into lip gloss now, who am

0:12:07.640 --> 0:12:09.760
<v Speaker 1>I fooling? But at her age I was extra into

0:12:09.800 --> 0:12:10.280
<v Speaker 1>lip gloss.

0:12:10.360 --> 0:12:13.040
<v Speaker 2>So, man, yeah, what were those little colored lip glasses

0:12:13.040 --> 0:12:15.760
<v Speaker 2>called where you had to have like every single color lipsmackers?

0:12:16.160 --> 0:12:18.640
<v Speaker 1>Yes, oh my goodness, And honestly I love them. And

0:12:18.679 --> 0:12:19.840
<v Speaker 1>so I told her, I think that would be a

0:12:19.840 --> 0:12:22.880
<v Speaker 1>really cute idea, And so that's what she's going to

0:12:23.640 --> 0:12:25.880
<v Speaker 1>She's going to do so today at school. So last

0:12:25.920 --> 0:12:28.360
<v Speaker 1>night we had like a little meeting and I told her,

0:12:29.040 --> 0:12:30.960
<v Speaker 1>you have to do market research and I explain that

0:12:31.040 --> 0:12:33.320
<v Speaker 1>just meant figuring out what does your audience want? And

0:12:33.600 --> 0:12:36.040
<v Speaker 1>we wrote down four questions that she can ask her friends.

0:12:36.080 --> 0:12:38.440
<v Speaker 1>And I could tell she was like feeling like, oh,

0:12:38.440 --> 0:12:39.800
<v Speaker 1>I don't want to like ask them. I said, well,

0:12:39.800 --> 0:12:41.880
<v Speaker 1>you can ask casually. You don't have to say I've

0:12:41.880 --> 0:12:44.160
<v Speaker 1>got four questions for you. You could just say, like,

0:12:44.720 --> 0:12:46.959
<v Speaker 1>you know, hey, you know being in that's one of

0:12:46.960 --> 0:12:49.400
<v Speaker 1>her friends. Hey, hey, Ebina, do you do you wear?

0:12:49.559 --> 0:12:51.320
<v Speaker 1>Do you wear lip? Class? Let me see it? Well,

0:12:51.400 --> 0:12:53.040
<v Speaker 1>why did you choose this one? We could have had

0:12:53.080 --> 0:12:54.760
<v Speaker 1>this one? And so I told her I showed her

0:12:54.760 --> 0:12:56.520
<v Speaker 1>some way she can get the answer she needed without

0:12:56.559 --> 0:12:59.760
<v Speaker 1>having to like, you know, like interview her friends. Like

0:13:00.120 --> 0:13:02.320
<v Speaker 1>and so, I don't know, it's cute, and I feel

0:13:02.320 --> 0:13:05.920
<v Speaker 1>like this is great because sometimes I mean, I don't

0:13:06.040 --> 0:13:09.280
<v Speaker 1>know if it's just me, but I tell you girls

0:13:09.280 --> 0:13:11.600
<v Speaker 1>are hard because you know, I never know she loves me,

0:13:11.640 --> 0:13:13.960
<v Speaker 1>she hates me, or some blazes in between. So this

0:13:14.040 --> 0:13:17.000
<v Speaker 1>is something something Well, she was little, it was so easy.

0:13:17.080 --> 0:13:19.280
<v Speaker 1>She was like my little be of everyone everywhere together.

0:13:19.960 --> 0:13:22.000
<v Speaker 1>But this will just be something nice that we can

0:13:22.080 --> 0:13:25.640
<v Speaker 1>like do together. And so yeah, I'm excited. You know,

0:13:25.960 --> 0:13:28.000
<v Speaker 1>I told her i'd invest in her her company, but

0:13:28.040 --> 0:13:29.800
<v Speaker 1>she'd have to pay me back with interest.

0:13:30.080 --> 0:13:31.800
<v Speaker 2>Oh you got to save the little business plan.

0:13:32.400 --> 0:13:34.360
<v Speaker 1>I do know. It was an email, so you know,

0:13:34.559 --> 0:13:36.640
<v Speaker 1>like it's officiat. I could not believe she said to me.

0:13:36.720 --> 0:13:38.480
<v Speaker 1>I was like, what it is so cute? What is this?

0:13:38.960 --> 0:13:40.079
<v Speaker 2>It is right, she said.

0:13:40.679 --> 0:13:42.360
<v Speaker 1>I was like, well, oh this is cute. She's like,

0:13:42.400 --> 0:13:44.560
<v Speaker 1>oh yeah, and send it to your dream catchers so

0:13:44.559 --> 0:13:46.960
<v Speaker 1>I can make money.

0:13:47.160 --> 0:13:48.640
<v Speaker 2>She's trying to take us. She's trying to skip a

0:13:48.640 --> 0:13:52.320
<v Speaker 2>few steps. That's really cute, though, kid preneurs. Everyone loves

0:13:52.320 --> 0:13:53.359
<v Speaker 2>a kid entrepreneur.

0:13:54.280 --> 0:13:55.000
<v Speaker 1>Yeah, they do.

0:13:57.840 --> 0:13:59.199
<v Speaker 2>All are you ready to boost or break?

0:14:00.120 --> 0:14:03.719
<v Speaker 1>I am a booster breaker? Booster break? I am?

0:14:04.880 --> 0:14:05.959
<v Speaker 2>Which one? Are you going to do that?

0:14:07.000 --> 0:14:09.920
<v Speaker 1>Oh? I thought you gotta go first. I think I

0:14:09.960 --> 0:14:13.400
<v Speaker 1>am going to boost, Well not even I think so.

0:14:13.960 --> 0:14:15.840
<v Speaker 1>Have you ever heard of supercent?

0:14:16.920 --> 0:14:18.480
<v Speaker 2>Supercent like a smell.

0:14:19.040 --> 0:14:23.920
<v Speaker 1>No, like scent like cent ten cent? Dalla got it?

0:14:24.280 --> 0:14:24.600
<v Speaker 2>Got it?

0:14:26.480 --> 0:14:28.240
<v Speaker 1>Meanwhile, I was like, and if you are West Indian

0:14:28.320 --> 0:14:30.600
<v Speaker 1>or African or just anyone who's heard that song. You

0:14:30.640 --> 0:14:32.240
<v Speaker 1>know you were doing the wine because I was when

0:14:32.240 --> 0:14:35.120
<v Speaker 1>I was saying it, like you know, the little Body Wine. Anyway,

0:14:35.440 --> 0:14:40.440
<v Speaker 1>so there's this woman named super Supa sent cu ce

0:14:40.600 --> 0:14:44.160
<v Speaker 1>n t Well that's not her real name, but so

0:14:44.560 --> 0:14:50.440
<v Speaker 1>she's got this really cute, amazing line of makeup called

0:14:50.480 --> 0:14:52.560
<v Speaker 1>the Crayon Case. Honestly, Mandy. First of all, the makeup

0:14:52.600 --> 0:14:55.280
<v Speaker 1>is so cute. The idea look, it's brilliant. So the

0:14:55.320 --> 0:14:58.560
<v Speaker 1>crown Case is all of the makeup like eyeshadows and

0:14:58.880 --> 0:15:01.240
<v Speaker 1>look losses, lick six, but Mandy, it's done in a

0:15:01.280 --> 0:15:04.240
<v Speaker 1>way that's supposed to look like school supplies and so

0:15:04.480 --> 0:15:08.400
<v Speaker 1>like she's got like a palette for like, say, eyeshadow,

0:15:08.840 --> 0:15:11.200
<v Speaker 1>and it looks like a paint set, and so the

0:15:11.840 --> 0:15:13.680
<v Speaker 1>brushes that you use for blush it looks like a

0:15:13.800 --> 0:15:17.440
<v Speaker 1>number two pencil. Honestly, the packaging is gorgeous and amazing

0:15:17.480 --> 0:15:20.320
<v Speaker 1>and fun. But what I love about her is that

0:15:20.400 --> 0:15:24.760
<v Speaker 1>she has been like just a small entrepreneur trying so

0:15:24.840 --> 0:15:27.400
<v Speaker 1>hard for years. I mean, from what I understand, she

0:15:27.680 --> 0:15:30.240
<v Speaker 1>started like, you know, like selling things on the side

0:15:30.280 --> 0:15:33.200
<v Speaker 1>since twenty fifteen, if not earlier than that. Before that,

0:15:33.240 --> 0:15:36.520
<v Speaker 1>she was a waitress. She's from New Orleans. So she

0:15:36.720 --> 0:15:38.960
<v Speaker 1>struck gold with the crayon case. This is not her

0:15:38.960 --> 0:15:41.520
<v Speaker 1>first business or her first venture, but she struck gold

0:15:41.560 --> 0:15:44.840
<v Speaker 1>with crayon case. And yesterday, well I don't know if yesterday,

0:15:44.880 --> 0:15:47.560
<v Speaker 1>but for Black Friday, it was either Monday or Tuesday.

0:15:47.880 --> 0:15:50.120
<v Speaker 1>She had a sale sixty percent off of everything on

0:15:50.160 --> 0:15:54.480
<v Speaker 1>the side. Guess how much she made? How much in

0:15:54.800 --> 0:16:01.120
<v Speaker 1>ninety minutes? She made over one million dollars in thine minute. Yes,

0:16:01.880 --> 0:16:05.440
<v Speaker 1>she sold. She would have made more, but she sold out,

0:16:05.800 --> 0:16:09.720
<v Speaker 1>broke the site sold out. I mean, I mean she

0:16:09.760 --> 0:16:11.720
<v Speaker 1>showed like she showed because I use I could tell,

0:16:11.760 --> 0:16:14.120
<v Speaker 1>but she uses Shopify like I use Shopify. I mean,

0:16:14.160 --> 0:16:15.840
<v Speaker 1>but killer me, I'm not making that kind of money.

0:16:16.400 --> 0:16:19.280
<v Speaker 1>But she she showed like her Shopify like proof. It

0:16:19.320 --> 0:16:21.600
<v Speaker 1>was on the news, but I like, you know, I

0:16:21.680 --> 0:16:24.360
<v Speaker 1>follow her on social. She was crying, her family came

0:16:24.400 --> 0:16:28.080
<v Speaker 1>in with balloons and cake, and it just it's just

0:16:28.120 --> 0:16:29.880
<v Speaker 1>a testament. This is like, like I said, this is not

0:16:29.960 --> 0:16:32.080
<v Speaker 1>her first, second, or even third business. I mean, this

0:16:32.120 --> 0:16:36.800
<v Speaker 1>woman had sold everything from bundles to Christmas sweaters and

0:16:36.880 --> 0:16:39.360
<v Speaker 1>she's just tried and just not given up. And she

0:16:39.440 --> 0:16:42.600
<v Speaker 1>built a following on social media via her personality, and

0:16:43.160 --> 0:16:46.480
<v Speaker 1>this was just the amazing product and people have taken

0:16:46.520 --> 0:16:48.120
<v Speaker 1>to it. I mean they I've heard like really great

0:16:48.120 --> 0:16:51.360
<v Speaker 1>things about the product. I mean, it looks beautiful. And

0:16:51.880 --> 0:16:53.920
<v Speaker 1>just to see someone a million dollars, I mean, I

0:16:53.960 --> 0:16:56.280
<v Speaker 1>don't know what, like, I don't know honestly what beauty

0:16:56.320 --> 0:16:58.920
<v Speaker 1>brands normally do, because I you know, it's not like

0:16:59.160 --> 0:17:03.000
<v Speaker 1>Sephorest post their numbers. But I mean that's tremendous, and

0:17:03.200 --> 0:17:05.280
<v Speaker 1>I mean I definitely have seen some distractors and haters

0:17:05.320 --> 0:17:07.679
<v Speaker 1>that are like she didn't said at but then she

0:17:07.680 --> 0:17:09.600
<v Speaker 1>showed her numbers, and really what it was. It was

0:17:10.040 --> 0:17:13.679
<v Speaker 1>like she had thirty five thousand people ordered. And so

0:17:13.720 --> 0:17:16.800
<v Speaker 1>if you think about thirty five thousand, if thirty five

0:17:16.840 --> 0:17:20.960
<v Speaker 1>thousand people bought let's just say ten dollars, not even

0:17:21.000 --> 0:17:24.240
<v Speaker 1>ten dollars, what is it thirty five thousand they bought

0:17:24.240 --> 0:17:26.000
<v Speaker 1>one hundred dollars worth and not even a hundred. They

0:17:26.000 --> 0:17:27.560
<v Speaker 1>didn't have to spend that much. Were fifty dollars worth

0:17:27.600 --> 0:17:31.680
<v Speaker 1>of stuff? Not even fifty If they bought like thirty

0:17:31.720 --> 0:17:33.880
<v Speaker 1>dollars worth of stuff, thirty five thousand and thirty dollars

0:17:33.880 --> 0:17:35.520
<v Speaker 1>worth stuff and thirty dollars is not much. That's like

0:17:35.560 --> 0:17:38.320
<v Speaker 1>three of her items. That's that's over a million dollars

0:17:38.359 --> 0:17:41.560
<v Speaker 1>right there. So it was just and she has one

0:17:41.640 --> 0:17:44.919
<v Speaker 1>point two or three million followers, so she's got like

0:17:44.960 --> 0:17:47.080
<v Speaker 1>these really great numbers. But you can have numbers and

0:17:47.119 --> 0:17:50.159
<v Speaker 1>not convert. But so if anybody needs like a if

0:17:50.160 --> 0:17:51.760
<v Speaker 1>you're an entrepreneur and you kind of need like a

0:17:51.800 --> 0:17:56.479
<v Speaker 1>social pick me up, go to Supercents Instagram. And then

0:17:56.520 --> 0:18:00.280
<v Speaker 1>I just been watching interviews about her all over and

0:18:00.359 --> 0:18:02.080
<v Speaker 1>just kind of like learning her story of how she

0:18:02.119 --> 0:18:05.399
<v Speaker 1>started off as a as a single mother and a

0:18:05.600 --> 0:18:08.959
<v Speaker 1>waitress not too long ago, and just wanting more. So

0:18:09.000 --> 0:18:11.440
<v Speaker 1>she tried so many different things until she found the thing.

0:18:12.040 --> 0:18:15.080
<v Speaker 1>So it was just she's so regular regular, you know.

0:18:15.240 --> 0:18:18.400
<v Speaker 1>I just love that. And so yeah, it's really really

0:18:18.520 --> 0:18:19.960
<v Speaker 1>inspiring cool.

0:18:20.000 --> 0:18:21.760
<v Speaker 2>Where's she based or where's how did you come to

0:18:21.760 --> 0:18:22.840
<v Speaker 2>find out about the company?

0:18:23.840 --> 0:18:25.480
<v Speaker 1>I you know what I found out. I had heard

0:18:25.480 --> 0:18:28.120
<v Speaker 1>about supercent before because she's also like really funny. She's

0:18:28.200 --> 0:18:30.879
<v Speaker 1>like like on on ig So sometimes I see like

0:18:30.920 --> 0:18:34.119
<v Speaker 1>people would repost clips of her. She's very nola, Like

0:18:34.160 --> 0:18:36.800
<v Speaker 1>she's got a really heavy Nola accent, and she she

0:18:36.880 --> 0:18:39.000
<v Speaker 1>has this thing called asked Supa where you can ask

0:18:39.040 --> 0:18:42.119
<v Speaker 1>her any questions she answers it, and so she's funny

0:18:42.119 --> 0:18:44.120
<v Speaker 1>in general. So I've seen like kind of clips of her.

0:18:44.160 --> 0:18:46.399
<v Speaker 1>And then I heard of Crayon Case. And when I

0:18:46.480 --> 0:18:49.680
<v Speaker 1>really got acquainted was when I went to Essence Fest

0:18:49.960 --> 0:18:54.400
<v Speaker 1>last year and they Crayon Case had a had a booth, Mandy.

0:18:54.440 --> 0:18:57.800
<v Speaker 1>When I tell you the line for that booth, I

0:18:57.840 --> 0:19:00.920
<v Speaker 1>mean you would think that Beyonce was like selling like,

0:19:01.560 --> 0:19:04.479
<v Speaker 1>you know, cookies or something, because I remember thinking like,

0:19:04.560 --> 0:19:07.399
<v Speaker 1>what is this the line? Like there were all of

0:19:07.400 --> 0:19:09.639
<v Speaker 1>these booths. You know, Essence has hundreds, if not thousands

0:19:09.680 --> 0:19:12.760
<v Speaker 1>of booths in there in their big, big like kind

0:19:12.800 --> 0:19:15.159
<v Speaker 1>of like I guess it's a conference room or whatever

0:19:15.200 --> 0:19:19.640
<v Speaker 1>expo center. But it was the only both that had

0:19:19.640 --> 0:19:22.600
<v Speaker 1>a line that almost just going and going and going.

0:19:22.800 --> 0:19:25.280
<v Speaker 1>And I remember being like, Oh, is that Crayon Case

0:19:25.320 --> 0:19:26.919
<v Speaker 1>And because that had a really nice setup and I

0:19:26.960 --> 0:19:29.359
<v Speaker 1>was like, oh, I heard I heard vainly about that makeup,

0:19:29.400 --> 0:19:32.280
<v Speaker 1>and I remember thinking the packaging was cute. So like,

0:19:32.359 --> 0:19:36.240
<v Speaker 1>if that line is any indication, I'm not surprised, honestly. Yeah,

0:19:36.280 --> 0:19:39.399
<v Speaker 1>she's done an amazing job of marketing and and you

0:19:39.440 --> 0:19:41.240
<v Speaker 1>should see, like she had video where she's taking you

0:19:41.280 --> 0:19:46.840
<v Speaker 1>through her warehouse. She's hired mostly family and friends, and

0:19:46.880 --> 0:19:49.359
<v Speaker 1>people were like, well, that's growth, not that we know.

0:19:50.080 --> 0:19:51.919
<v Speaker 1>Sometimes I'm just like, don't you. Sometimes I just want

0:19:51.960 --> 0:19:54.280
<v Speaker 1>to tell people like that's fine.

0:19:54.320 --> 0:19:56.840
<v Speaker 2>I mean, we get people have a win. I know,

0:19:57.160 --> 0:19:58.760
<v Speaker 2>let people just celebrate, you know.

0:19:59.320 --> 0:20:01.560
<v Speaker 1>Yes, because I mean, I mean I don't know about you.

0:20:01.640 --> 0:20:04.800
<v Speaker 1>But a million dollars gross in ninety minutes and they

0:20:04.880 --> 0:20:06.720
<v Speaker 1>ran out. That's why it would have been more. She

0:20:06.760 --> 0:20:10.120
<v Speaker 1>didn't anticipate selling as much, or she didn't have like all,

0:20:10.160 --> 0:20:11.960
<v Speaker 1>you know, she in her warehouse, she didn't have enough

0:20:12.119 --> 0:20:15.719
<v Speaker 1>to accommodate like everyone. But maybe it would have been

0:20:15.720 --> 0:20:17.920
<v Speaker 1>three or four million. But yes, we know it's gross.

0:20:17.960 --> 0:20:19.919
<v Speaker 1>We know there's shipping, we know there's product, we know

0:20:20.040 --> 0:20:22.760
<v Speaker 1>there's there's staff, we know all of that. But I

0:20:22.800 --> 0:20:26.880
<v Speaker 1>honestly don't know too many businesses from brown women who

0:20:27.000 --> 0:20:31.440
<v Speaker 1>used to be waitresses just a few years ago in Louisiana,

0:20:31.880 --> 0:20:35.000
<v Speaker 1>single moms who who sell a million dollars worth of

0:20:35.000 --> 0:20:37.000
<v Speaker 1>product in ninety minutes. I mean, if you if you

0:20:37.000 --> 0:20:39.720
<v Speaker 1>know where they are let me know, you know. So, yeah,

0:20:39.760 --> 0:20:41.800
<v Speaker 1>I just thought she was amazing, so I thought she's

0:20:41.840 --> 0:20:42.920
<v Speaker 1>my win for the week.

0:20:43.280 --> 0:20:46.120
<v Speaker 2>That's lovely. Well, I wish I had supported some small

0:20:46.160 --> 0:20:49.240
<v Speaker 2>businesses all my furniture shopping. Now maybe that's why I

0:20:49.240 --> 0:20:53.240
<v Speaker 2>feel bad. Uh dope, Well, I want to do a

0:20:53.320 --> 0:20:56.320
<v Speaker 2>quick boost for I know everyone's been talking about well

0:20:56.320 --> 0:20:58.880
<v Speaker 2>two actually one, you have to go see the movie

0:20:58.880 --> 0:21:02.320
<v Speaker 2>Widows if you haven't yet. It's an amazing movie with

0:21:02.400 --> 0:21:06.119
<v Speaker 2>like a majority minority female cast who are like badass.

0:21:07.280 --> 0:21:09.040
<v Speaker 2>I don't even know how to describe, like a heist

0:21:09.119 --> 0:21:12.480
<v Speaker 2>movie mixed with like a political thriller. It's got Viola Davis,

0:21:12.560 --> 0:21:15.200
<v Speaker 2>Michelle Rodriguez, Cynthia Rivo. It's really really good.

0:21:15.640 --> 0:21:17.919
<v Speaker 1>You know, she's a wave, Cynthia Rivo, she's in our

0:21:17.920 --> 0:21:19.080
<v Speaker 1>ways with Epic and Volta.

0:21:19.520 --> 0:21:23.199
<v Speaker 2>I know, yeah, you've talked. I know, I know, I

0:21:23.200 --> 0:21:27.159
<v Speaker 2>know you got connects. Yeah, it was really really amazing

0:21:27.320 --> 0:21:29.440
<v Speaker 2>and it was directed by the same director from Twelve

0:21:29.520 --> 0:21:31.240
<v Speaker 2>Years a Slave. I think that was like his first

0:21:31.280 --> 0:21:33.080
<v Speaker 2>or second movie since Twelve Years a Slave, and it

0:21:33.119 --> 0:21:36.280
<v Speaker 2>couldn't have been more different. So if you're going out

0:21:36.320 --> 0:21:40.040
<v Speaker 2>to see Creed, go see widows too, maybe first because

0:21:40.040 --> 0:21:43.200
<v Speaker 2>they need some support. Secondly, I know everyone's been talking

0:21:43.240 --> 0:21:45.800
<v Speaker 2>about Michelle Obama's book, but if you haven't like people

0:21:45.840 --> 0:21:49.000
<v Speaker 2>maybe talking, but like actually read the book, it's really

0:21:49.000 --> 0:21:51.000
<v Speaker 2>really good. I haven't actually read it. I've been listening

0:21:51.000 --> 0:21:53.960
<v Speaker 2>to the audio book, which I recommend, because something about

0:21:54.000 --> 0:21:56.399
<v Speaker 2>Michelle Obama telling you her life story was just like

0:21:56.440 --> 0:21:58.679
<v Speaker 2>the therapy I didn't know that I needed. And I

0:21:58.760 --> 0:22:01.080
<v Speaker 2>joked about it being therapy, but legit, I don't know

0:22:01.119 --> 0:22:05.560
<v Speaker 2>something about her stories everything, like and I'm not really understanding.

0:22:06.040 --> 0:22:08.720
<v Speaker 2>We know, I knew of of Michelle, like you know,

0:22:08.840 --> 0:22:10.879
<v Speaker 2>surface level from what I heard in the news and everything,

0:22:10.920 --> 0:22:13.680
<v Speaker 2>but like actually hearing how she grew up in Chicago,

0:22:14.760 --> 0:22:16.760
<v Speaker 2>how she found her way into law school, how she

0:22:16.840 --> 0:22:20.119
<v Speaker 2>realized how unhappy she was in the legal profession. It

0:22:20.200 --> 0:22:22.920
<v Speaker 2>was just really refreshing to hear, even that she had

0:22:22.960 --> 0:22:25.680
<v Speaker 2>doubts in her twenties. So if you need like pick

0:22:25.760 --> 0:22:27.840
<v Speaker 2>me up or you need you need to like hear

0:22:27.880 --> 0:22:31.160
<v Speaker 2>a story from a big sister or an auntie about

0:22:31.200 --> 0:22:33.840
<v Speaker 2>how they sort of dealt with the on the insecure

0:22:33.920 --> 0:22:35.879
<v Speaker 2>years of their life. I was really I'm just like

0:22:35.920 --> 0:22:39.800
<v Speaker 2>surprised how open she is in her book, so really

0:22:39.800 --> 0:22:42.000
<v Speaker 2>really recommend it. I love the audiobook because it's actually

0:22:42.040 --> 0:22:46.040
<v Speaker 2>her telling her story, and her voice is just lovely,

0:22:46.080 --> 0:22:48.560
<v Speaker 2>and she even sings a little bit. It's nice and

0:22:48.640 --> 0:22:51.080
<v Speaker 2>she does just like a tiny bit.

0:22:52.119 --> 0:22:52.560
<v Speaker 1>I don't know.

0:22:52.640 --> 0:22:54.520
<v Speaker 2>It's sweet. And she tells a story even of how

0:22:54.520 --> 0:22:58.280
<v Speaker 2>her her dad passed away and actually was literally crying

0:22:58.359 --> 0:23:00.879
<v Speaker 2>on the train, which I don't really do listening to

0:23:00.880 --> 0:23:05.120
<v Speaker 2>audiobooks ever, but you can tell she put everything into

0:23:05.119 --> 0:23:08.400
<v Speaker 2>this book and it's really amazing. So go get your copy.

0:23:08.440 --> 0:23:10.639
<v Speaker 2>There's a reason it's sold like close to a million copies.

0:23:10.640 --> 0:23:15.520
<v Speaker 2>It's first week. It's that good. It's the anti Trump,

0:23:16.080 --> 0:23:17.880
<v Speaker 2>So pick it up if you haven't yet.

0:23:19.040 --> 0:23:22.640
<v Speaker 1>No, that that's just warms my heart. I'm like, yes,

0:23:23.560 --> 0:23:24.800
<v Speaker 1>I'll here slang for the.

0:23:24.760 --> 0:23:43.080
<v Speaker 2>Gold perfect seguay for questions? Did I get it that time?

0:23:43.440 --> 0:23:44.280
<v Speaker 2>Did a good segue?

0:23:44.400 --> 0:23:48.240
<v Speaker 1>Oh yeah, maybe it's a perfect seu. I'm like, let

0:23:48.280 --> 0:23:50.600
<v Speaker 1>me see if maybe going do this this transit.

0:23:50.240 --> 0:23:52.920
<v Speaker 2>You I pulled the train around? Got it? All right?

0:23:53.000 --> 0:23:56.280
<v Speaker 2>We do have some great questions from our listeners today.

0:23:57.080 --> 0:24:01.000
<v Speaker 2>Let's start with a light one. Let's see a little

0:24:01.080 --> 0:24:03.960
<v Speaker 2>light and fun one. Okay, so for the holidays, maybe

0:24:04.000 --> 0:24:05.720
<v Speaker 2>not light and fun. Maybe it's light and fun to me,

0:24:06.200 --> 0:24:08.680
<v Speaker 2>but this question. This comes from a listener who wants

0:24:08.680 --> 0:24:12.720
<v Speaker 2>to remain anonymous, but is wondering about using prepaid cards

0:24:12.720 --> 0:24:15.800
<v Speaker 2>for her holiday shopping. Okay, she says, I have a

0:24:15.880 --> 0:24:18.920
<v Speaker 2>question regarding prepaid cards. Through the year, I saved money

0:24:19.000 --> 0:24:21.760
<v Speaker 2>for the holidays to use for my holiday related expenses,

0:24:22.040 --> 0:24:24.280
<v Speaker 2>but I don't like to mix my holiday money in

0:24:24.320 --> 0:24:26.359
<v Speaker 2>with my regular money. I'd like to know if I

0:24:26.400 --> 0:24:29.000
<v Speaker 2>should use a prepaid card and would you recommend any

0:24:29.040 --> 0:24:36.400
<v Speaker 2>particular prepaid card for my holiday spending? Anonymous, very mysterious.

0:24:36.520 --> 0:24:39.199
<v Speaker 2>This is a smart idea because with prepaid cards you

0:24:39.240 --> 0:24:41.520
<v Speaker 2>basically load money. It can be a smart idea if

0:24:41.520 --> 0:24:43.160
<v Speaker 2>you choose the right one. So it's good that you're

0:24:43.560 --> 0:24:48.280
<v Speaker 2>asking for recommendations. A prepaid debit card if you load

0:24:48.320 --> 0:24:50.160
<v Speaker 2>money onto it, and then you can use it same

0:24:50.200 --> 0:24:52.240
<v Speaker 2>as cash or same as a same as a debit

0:24:52.280 --> 0:24:54.800
<v Speaker 2>card basically, or even a credit card. You swipe it

0:24:54.840 --> 0:24:57.800
<v Speaker 2>at the register, and as long as you've got sufficient funds,

0:24:58.520 --> 0:25:01.919
<v Speaker 2>you know it'll debit your prepaid account, and if you

0:25:01.960 --> 0:25:04.560
<v Speaker 2>want to keep your it's a nice way to budget

0:25:04.680 --> 0:25:07.600
<v Speaker 2>if you want to keep money separately, like this listener

0:25:08.200 --> 0:25:10.520
<v Speaker 2>says she wants to keep money separately. Where you can

0:25:10.560 --> 0:25:13.600
<v Speaker 2>get into trouble though, is prepaid cards. You know, unlike banks.

0:25:13.640 --> 0:25:16.200
<v Speaker 2>They have you know, not unlike banks, but just like banks,

0:25:16.240 --> 0:25:19.119
<v Speaker 2>they need to make money somehow, and often how they

0:25:19.160 --> 0:25:21.960
<v Speaker 2>do that is by charging fees. And some of these

0:25:21.960 --> 0:25:24.000
<v Speaker 2>cards will charge you a fee if you put money

0:25:24.040 --> 0:25:27.240
<v Speaker 2>onto the card, like a reload fee. They'll obviously charge

0:25:27.240 --> 0:25:30.520
<v Speaker 2>you ATM fee. If you use ATMs that are out

0:25:30.560 --> 0:25:33.480
<v Speaker 2>of their network. They may charge you to replace a

0:25:33.520 --> 0:25:37.520
<v Speaker 2>card if you lose it. For example, they may charge

0:25:37.520 --> 0:25:40.359
<v Speaker 2>you a monthly service fee. So you really have to

0:25:40.359 --> 0:25:42.800
<v Speaker 2>be careful and choose a card that has very few

0:25:42.840 --> 0:25:46.560
<v Speaker 2>fees if you're looking for a card. And I don't

0:25:46.600 --> 0:25:48.399
<v Speaker 2>know if you have any anything else to add, but

0:25:48.480 --> 0:25:51.280
<v Speaker 2>I did pull up like credit Karma dot COM's got

0:25:51.320 --> 0:25:54.639
<v Speaker 2>a good roundup of its best prepaid cards for twenty eighteen.

0:25:54.680 --> 0:25:56.000
<v Speaker 2>So I was just going to read off a couple

0:25:57.280 --> 0:25:59.480
<v Speaker 2>of their recommendations.

0:25:58.560 --> 0:26:00.480
<v Speaker 1>So you can also join like they have those qrits.

0:26:00.520 --> 0:26:02.600
<v Speaker 1>But no, go ahead, I think this is this is better.

0:26:02.600 --> 0:26:05.760
<v Speaker 2>Well yeah, Bank Christmas Club. Yeah, so obviously when you're

0:26:05.760 --> 0:26:07.439
<v Speaker 2>looking for a prepaid card, you want to look for

0:26:07.480 --> 0:26:09.399
<v Speaker 2>a card that's going to be accepted at most places

0:26:09.440 --> 0:26:11.879
<v Speaker 2>where you shop, so make sure that it's you know,

0:26:12.480 --> 0:26:15.600
<v Speaker 2>issued by an issue where that's largely accepted. You also

0:26:15.600 --> 0:26:17.160
<v Speaker 2>want to make sure it has low fees, so look

0:26:17.200 --> 0:26:19.440
<v Speaker 2>for a card that has no monthly fee, you know,

0:26:19.520 --> 0:26:22.880
<v Speaker 2>doesn't charge you high fees for ATM, or any fees

0:26:22.880 --> 0:26:25.080
<v Speaker 2>at all is even better. So some of the best

0:26:25.160 --> 0:26:28.720
<v Speaker 2>cards on Credit Karma's list are the Bluebird prepaid card

0:26:28.720 --> 0:26:32.199
<v Speaker 2>by American Express. There's even a card they recommend that

0:26:32.240 --> 0:26:35.600
<v Speaker 2>offers rewards on your spending, the American Express Serve Cash

0:26:35.640 --> 0:26:38.160
<v Speaker 2>Back Card. I haven't used any of these cards in particular.

0:26:38.200 --> 0:26:41.120
<v Speaker 2>These are Credit Karma's recommendations, and they've got a whole

0:26:41.119 --> 0:26:43.359
<v Speaker 2>methodology here. I'll put the link in the show notes.

0:26:44.760 --> 0:26:49.280
<v Speaker 2>Best card that has free reloads they mentioned Chase Liquid Card.

0:26:49.680 --> 0:26:53.080
<v Speaker 2>There's also a PayPal prepaid master card that they recommend.

0:26:53.520 --> 0:26:56.000
<v Speaker 2>So Google, you know, Google is your friend when you're

0:26:56.040 --> 0:26:59.720
<v Speaker 2>looking to compare prepaid card offerings out there, because there's

0:26:59.760 --> 0:27:01.919
<v Speaker 2>a there's a bunch out there, but not all of

0:27:01.960 --> 0:27:04.399
<v Speaker 2>them are as good as some.

0:27:05.720 --> 0:27:08.640
<v Speaker 1>Yeah, and then too like I mentioned earlier like sometimes

0:27:08.640 --> 0:27:11.080
<v Speaker 1>banks have Christmas clubs. It sounds very old school, but

0:27:11.440 --> 0:27:14.280
<v Speaker 1>basically you set aside your money every month into like

0:27:14.359 --> 0:27:18.640
<v Speaker 1>a special money market or savings account, and they call

0:27:18.640 --> 0:27:21.840
<v Speaker 1>it a Christmas club because at the end of the

0:27:22.119 --> 0:27:23.639
<v Speaker 1>you know you had a little bit of interest. But

0:27:23.720 --> 0:27:27.840
<v Speaker 1>at the end of the year or near nearing when

0:27:27.840 --> 0:27:30.280
<v Speaker 1>it's time to go holiday shopping, you know you're able

0:27:30.320 --> 0:27:33.159
<v Speaker 1>to take your money out and then use it to

0:27:33.600 --> 0:27:36.080
<v Speaker 1>shop for the holidays, knowing that it was safely tucked

0:27:36.080 --> 0:27:39.120
<v Speaker 1>away from you. So it's a little harder to get

0:27:39.119 --> 0:27:41.119
<v Speaker 1>your money than like a regular savings account typically for

0:27:41.160 --> 0:27:43.439
<v Speaker 1>Christmas clubs, because that's the point you wanted to make

0:27:43.480 --> 0:27:46.360
<v Speaker 1>it kind of inconvenient, So that's an option as well too.

0:27:48.600 --> 0:27:50.840
<v Speaker 2>Exactly. Well, hopefully that helped, And if you guys have

0:27:50.880 --> 0:27:53.800
<v Speaker 2>any other holiday spending tips you want to share, let

0:27:53.880 --> 0:27:56.760
<v Speaker 2>us know. I think it's smart to keep your at

0:27:56.840 --> 0:27:59.800
<v Speaker 2>least keep your budget separate so you're not mixing your

0:27:59.800 --> 0:28:03.159
<v Speaker 2>money and not having any ease, making it easier to

0:28:03.160 --> 0:28:08.560
<v Speaker 2>like dip into your savings for holiday spending. So good question, easokly,

0:28:09.600 --> 0:28:13.840
<v Speaker 2>another question, ooh, auto refinancing. This question comes from listener, Jackie.

0:28:13.920 --> 0:28:16.760
<v Speaker 2>She says, I'm considering refinancing my car and would love

0:28:16.800 --> 0:28:19.560
<v Speaker 2>to hear your thoughts. Here's my scenario. I've got a

0:28:19.600 --> 0:28:23.159
<v Speaker 2>car at fifteen point one eight percent. That's a very

0:28:23.240 --> 0:28:27.359
<v Speaker 2>high APR. Geez, fifteen percent APR. Currently working on getting

0:28:27.400 --> 0:28:29.720
<v Speaker 2>my credit score in the seven hundred range, but currently

0:28:30.040 --> 0:28:32.440
<v Speaker 2>I'm at six p nineteen. It's a work in progress.

0:28:32.600 --> 0:28:35.080
<v Speaker 2>I want to make the best decision without worsening my score.

0:28:36.000 --> 0:28:38.640
<v Speaker 2>I've checked and I've seen that I can maybe get

0:28:38.640 --> 0:28:41.400
<v Speaker 2>a lower interest rate that shows a six point nine

0:28:41.440 --> 0:28:45.480
<v Speaker 2>percent APR and a four hundred dollars monthly car payment

0:28:46.080 --> 0:28:48.000
<v Speaker 2>as an option. But I want to know if that's

0:28:48.000 --> 0:28:51.520
<v Speaker 2>the best I can do right now. Will refinancing actually

0:28:51.600 --> 0:28:55.520
<v Speaker 2>help or hurt my credit score? And she just adds

0:28:55.520 --> 0:28:58.560
<v Speaker 2>that she has twenty four thousand dollars left on her

0:28:58.680 --> 0:29:03.880
<v Speaker 2>auto loan. Twenty four thousand dollars at fifteen percent. Ooh girl, yes,

0:29:04.040 --> 0:29:09.600
<v Speaker 2>refinance even as possible, as soon as possible. I'm going

0:29:09.640 --> 0:29:11.040
<v Speaker 2>to go at a limb and guess that when she

0:29:11.120 --> 0:29:13.560
<v Speaker 2>got this loan, she did not shop around for financing

0:29:13.600 --> 0:29:15.480
<v Speaker 2>before she got the loan. She probably got it straight

0:29:15.480 --> 0:29:18.520
<v Speaker 2>from the dealership. Yes, which is the worst thing you

0:29:18.600 --> 0:29:18.920
<v Speaker 2>can do.

0:29:19.360 --> 0:29:21.360
<v Speaker 1>I was just gonna say. I saw someone post that somewhere.

0:29:21.400 --> 0:29:24.080
<v Speaker 1>They're like one of the dream catchers, like, hey, I'm

0:29:24.080 --> 0:29:27.720
<v Speaker 1>gonna go get a car. Should I Should I get

0:29:27.720 --> 0:29:29.760
<v Speaker 1>on my own loan or should I get from the dealership?

0:29:29.800 --> 0:29:35.720
<v Speaker 1>I nearly leapt through the computer was I do? Because

0:29:35.760 --> 0:29:39.479
<v Speaker 1>you got to get the worst interest you know, always, always, always,

0:29:39.520 --> 0:29:42.200
<v Speaker 1>even if you don't have great credit, always come with

0:29:42.240 --> 0:29:44.400
<v Speaker 1>your own financing. And that's just as simple as like,

0:29:44.720 --> 0:29:46.720
<v Speaker 1>you know, going to your bank or better you're going

0:29:46.760 --> 0:29:48.400
<v Speaker 1>to your credit union and saying I want to purchase

0:29:48.400 --> 0:29:50.920
<v Speaker 1>a car, because you're almost always going to get a

0:29:50.920 --> 0:29:54.000
<v Speaker 1>better interest rate than what the car dealership is going

0:29:54.040 --> 0:29:55.400
<v Speaker 1>to give you there they're going to give you the

0:29:55.400 --> 0:29:57.880
<v Speaker 1>worst interest rate possible. So if you come with your

0:29:57.880 --> 0:30:00.560
<v Speaker 1>own financing and say no, I've got my financing from

0:30:00.920 --> 0:30:03.680
<v Speaker 1>my credit union, you're going to be better off. But yes,

0:30:03.880 --> 0:30:07.320
<v Speaker 1>please refinance. And there are some credit unions now that

0:30:07.480 --> 0:30:09.000
<v Speaker 1>even if you haven't been a member for a very

0:30:09.000 --> 0:30:11.280
<v Speaker 1>long time, you can literally sign up that day and apply.

0:30:11.640 --> 0:30:14.160
<v Speaker 1>So if your credit is recent, if you don't, if

0:30:14.160 --> 0:30:15.800
<v Speaker 1>you're not a member of a credit union. And the

0:30:15.800 --> 0:30:18.400
<v Speaker 1>reason why I say credit unions first is because most

0:30:18.440 --> 0:30:22.040
<v Speaker 1>credit unions are nonprofits, and what that means is that

0:30:22.040 --> 0:30:24.480
<v Speaker 1>their interest rate is typically lower than a regular bank

0:30:24.520 --> 0:30:28.360
<v Speaker 1>because their focus is not squeezing as much profit as possible.

0:30:28.480 --> 0:30:30.600
<v Speaker 1>It's just about running the business, making enough to run

0:30:30.600 --> 0:30:33.760
<v Speaker 1>the business, so they offer you better interest rates. So

0:30:33.920 --> 0:30:37.360
<v Speaker 1>trying a credit union seeing if they will loan you

0:30:37.440 --> 0:30:40.040
<v Speaker 1>the money or help you refinance your current paying it

0:30:40.080 --> 0:30:43.920
<v Speaker 1>off that way. I mean, unless your credit is like really, really,

0:30:43.920 --> 0:30:46.920
<v Speaker 1>really bad, I'm almost positive you could do better than

0:30:46.960 --> 0:30:48.240
<v Speaker 1>fifteen percent someplace else.

0:30:48.400 --> 0:30:50.800
<v Speaker 2>Yeah, she just got a six nineteen, so it's not good,

0:30:51.000 --> 0:30:53.520
<v Speaker 2>it's not even great. It's it's like in the fair

0:30:53.680 --> 0:30:57.120
<v Speaker 2>maybe poor category. I think six twenty is like the

0:30:57.240 --> 0:31:00.360
<v Speaker 2>ceiling to where you get into fair credit category. But

0:31:00.400 --> 0:31:02.520
<v Speaker 2>you're close. So the worst thing you can do is

0:31:02.520 --> 0:31:04.680
<v Speaker 2>miss a payment, So keep making your payments. And I

0:31:04.720 --> 0:31:07.719
<v Speaker 2>think tip's right with port with credit on the borderline

0:31:07.760 --> 0:31:11.080
<v Speaker 2>like that, credit unions make a lot of sense and credit,

0:31:11.160 --> 0:31:14.200
<v Speaker 2>you know, refinancing, you'll you will have a hard inquiry

0:31:14.240 --> 0:31:16.360
<v Speaker 2>on your credit to see if you get approved. But

0:31:16.480 --> 0:31:19.080
<v Speaker 2>I think the benefit in the long term is way

0:31:19.200 --> 0:31:23.160
<v Speaker 2>far outweighs the ding to your credit temporarily. I just

0:31:23.200 --> 0:31:26.000
<v Speaker 2>did it quick. You can look up online refinance or sorry,

0:31:26.000 --> 0:31:28.560
<v Speaker 2>auto loan calculators where you can see how much interest

0:31:28.600 --> 0:31:31.640
<v Speaker 2>you'll pay. And I'm assuming that you've got forty eight

0:31:31.640 --> 0:31:34.440
<v Speaker 2>months left on your on your fifteen percent auto loan.

0:31:34.480 --> 0:31:37.280
<v Speaker 2>At twenty four thousand dollars, you're going to spend over

0:31:37.600 --> 0:31:40.440
<v Speaker 2>eight thousand dollars in total interest if you keep this

0:31:40.560 --> 0:31:42.880
<v Speaker 2>loan as it is. So Really that twenty four thousand

0:31:42.880 --> 0:31:46.080
<v Speaker 2>dollars car is like thirty two thousand dollars. So you

0:31:46.120 --> 0:31:48.560
<v Speaker 2>want to get a lower rate as soon as possible.

0:31:49.080 --> 0:31:52.400
<v Speaker 2>And I think, Tiff, that's good advice. Yeah, going to

0:31:52.440 --> 0:31:55.760
<v Speaker 2>your credit union. Thank'd me for more close.

0:31:56.400 --> 0:31:57.880
<v Speaker 1>Yeah, you want to do what you want to do?

0:31:57.880 --> 0:31:58.920
<v Speaker 1>One more? You think we're a.

0:31:58.960 --> 0:32:03.480
<v Speaker 2>Good Yeah, let's do one more question. This is anonymous Unamas, Unamas,

0:32:03.480 --> 0:32:06.560
<v Speaker 2>why not? Three's a good number? Okay? This is another

0:32:06.640 --> 0:32:11.400
<v Speaker 2>anonymous question, she says. This is another anonymous question. She says,

0:32:11.480 --> 0:32:13.600
<v Speaker 2>I'm in the process of divorce, so I decided to

0:32:13.640 --> 0:32:15.920
<v Speaker 2>take a little more interest in my credit in the past.

0:32:16.320 --> 0:32:18.080
<v Speaker 2>In the past, I paid a lot of money to

0:32:18.160 --> 0:32:21.160
<v Speaker 2>have some items deleted off my credit report. To me,

0:32:21.240 --> 0:32:24.240
<v Speaker 2>it was a waste of money and nothing was done. Okay,

0:32:24.240 --> 0:32:26.280
<v Speaker 2>this is bandy. I think that she's she's saying that

0:32:26.320 --> 0:32:29.680
<v Speaker 2>she hired like a credit repair form firm or something. Okay,

0:32:29.720 --> 0:32:31.040
<v Speaker 2>so she's paid a lot of money to have some

0:32:31.080 --> 0:32:34.000
<v Speaker 2>items deleted off her credits. So now she says, as

0:32:34.000 --> 0:32:37.120
<v Speaker 2>of October, I sent a letter to Macy's, Sally May,

0:32:37.600 --> 0:32:41.560
<v Speaker 2>and Naviant to get deleted items off my credit report.

0:32:41.640 --> 0:32:45.360
<v Speaker 2>Macy's was paid in full, and sally May, Slash Naviant

0:32:45.360 --> 0:32:47.640
<v Speaker 2>failed to report the payments I made every month to

0:32:47.720 --> 0:32:50.120
<v Speaker 2>the credit bureau. These items are shown as closed on

0:32:50.160 --> 0:32:52.479
<v Speaker 2>my credit report. How can I have these items deleted

0:32:52.520 --> 0:32:56.560
<v Speaker 2>off my credit report? Don't? Don't. So this is a

0:32:56.560 --> 0:33:01.440
<v Speaker 2>bit confusing. It seems like she's had You can't get

0:33:01.440 --> 0:33:05.160
<v Speaker 2>items deleted off your credit report unless they're errors, right,

0:33:05.240 --> 0:33:06.320
<v Speaker 2>unless they're inaccurate.

0:33:06.440 --> 0:33:10.000
<v Speaker 1>Yeah. I don't know where that came from. That. I

0:33:10.040 --> 0:33:11.520
<v Speaker 1>think it's like, you know, how like all these people

0:33:11.520 --> 0:33:13.760
<v Speaker 1>are like credit experts now or not credit experts, but

0:33:13.840 --> 0:33:16.480
<v Speaker 1>like literally they you know, people are fixing credit like

0:33:16.520 --> 0:33:18.479
<v Speaker 1>that's like the new thing, Like that's the new cutcoa

0:33:18.520 --> 0:33:23.440
<v Speaker 1>knives and like MLM, yeah, you know. But like I'm

0:33:23.520 --> 0:33:26.080
<v Speaker 1>like when Dreamcatchers said that, they're like, oh girl, so

0:33:26.160 --> 0:33:27.760
<v Speaker 1>I was late. How I get that off my credit

0:33:27.800 --> 0:33:32.840
<v Speaker 1>I'm like, did it? Is it true? Yeah? Well it's

0:33:32.880 --> 0:33:35.160
<v Speaker 1>not of at all. Like it's like saying, oh, I

0:33:35.160 --> 0:33:37.320
<v Speaker 1>got a D on my on my test? How do

0:33:37.360 --> 0:33:39.120
<v Speaker 1>I get that off my report card? Well did you

0:33:39.120 --> 0:33:42.760
<v Speaker 1>get a D? Yeah? Well it's a D. I mean

0:33:42.840 --> 0:33:45.240
<v Speaker 1>you can, you can certainly now it is possible to

0:33:45.280 --> 0:33:47.160
<v Speaker 1>beg your teacher. And if I do this, this and this,

0:33:47.240 --> 0:33:49.239
<v Speaker 1>can we turn into a C and your teacher might

0:33:49.280 --> 0:33:52.400
<v Speaker 1>have mercy on you and say okay, but they're under

0:33:52.480 --> 0:33:55.160
<v Speaker 1>no obligation to do so. Same thing with your credit.

0:33:55.240 --> 0:33:58.280
<v Speaker 1>So if you've done something, we've all made mistakes that

0:33:58.400 --> 0:34:00.960
<v Speaker 1>I've been late before. Shoot, they took my house. I

0:34:01.040 --> 0:34:04.760
<v Speaker 1>was so late. So but did my house go into foreclosure? Yes?

0:34:04.960 --> 0:34:08.960
<v Speaker 1>It is foreclosure on my credit report? Yes, did it happen. Yes.

0:34:09.280 --> 0:34:12.680
<v Speaker 1>When you dispute, you're really supposed to be disputing things

0:34:12.719 --> 0:34:16.040
<v Speaker 1>that are not true, not things that are true that

0:34:16.080 --> 0:34:18.920
<v Speaker 1>you just don't like. And so like yeah, like if

0:34:18.960 --> 0:34:21.000
<v Speaker 1>I mean, like I said, sometimes you can convince the

0:34:22.239 --> 0:34:25.160
<v Speaker 1>creditor that you owe that if you, you know, make

0:34:25.200 --> 0:34:27.279
<v Speaker 1>reparations or you make certain payments or whatever, that they

0:34:27.320 --> 0:34:31.360
<v Speaker 1>can sometimes withdraw things, but they're under no obligation to

0:34:31.400 --> 0:34:33.680
<v Speaker 1>do so. Honestly, it's because it's true.

0:34:33.840 --> 0:34:38.200
<v Speaker 2>So yeah, and it sounds like she's talking about these

0:34:38.200 --> 0:34:40.000
<v Speaker 2>accounts being closed now, so why are they still on

0:34:40.000 --> 0:34:43.000
<v Speaker 2>my credit Well, I'm what I'm assuming is that she

0:34:43.040 --> 0:34:45.759
<v Speaker 2>miss payments in the past, and even though you've paid

0:34:45.800 --> 0:34:48.520
<v Speaker 2>off the debts by now, those missed payments, if it's

0:34:48.520 --> 0:34:52.240
<v Speaker 2>within seven years, we'll stay on your credit report until

0:34:52.280 --> 0:34:55.040
<v Speaker 2>the seven year mark and then they'll drop off. Even

0:34:55.200 --> 0:34:57.440
<v Speaker 2>I'm an account's closed, it'll stay in your credit report,

0:34:58.000 --> 0:34:59.480
<v Speaker 2>I think for the full seven years.

0:34:59.360 --> 0:35:03.000
<v Speaker 1>Right, Yeah, I mean typically, But here's the thing too, that,

0:35:03.200 --> 0:35:05.680
<v Speaker 1>like your things that are on your credit report, it's

0:35:05.719 --> 0:35:08.520
<v Speaker 1>really the last two years that make the most impact

0:35:08.520 --> 0:35:10.719
<v Speaker 1>on your actual score. So will it be on your

0:35:10.760 --> 0:35:14.000
<v Speaker 1>credit report, yes, Will it affect your score after two

0:35:14.080 --> 0:35:17.240
<v Speaker 1>years not as much, so, you know, I tell people

0:35:17.320 --> 0:35:20.000
<v Speaker 1>like it typically it's only when like someone's pulling up

0:35:20.040 --> 0:35:22.480
<v Speaker 1>your score and judging you according like like you know,

0:35:22.520 --> 0:35:26.040
<v Speaker 1>your mortgage person is likely gonna look. But ultimately people

0:35:26.080 --> 0:35:29.040
<v Speaker 1>are looking at your score so just you know, moving forward,

0:35:29.120 --> 0:35:32.360
<v Speaker 1>make the best decisions you can possible with your finances,

0:35:32.480 --> 0:35:35.080
<v Speaker 1>especially as it relates to credit. And you know, within

0:35:35.280 --> 0:35:37.480
<v Speaker 1>a year or two you should you should be back

0:35:37.480 --> 0:35:39.600
<v Speaker 1>where you were or better than before.

0:35:40.640 --> 0:35:42.319
<v Speaker 2>Time is your friend. People don't want to hear that

0:35:42.360 --> 0:35:45.120
<v Speaker 2>time is what it takes to heal all wounds. But

0:35:45.239 --> 0:35:48.799
<v Speaker 2>it's so true. Give yourself time. But at least you're

0:35:48.800 --> 0:35:52.160
<v Speaker 2>paying attention now. But don't just be careful about trusting

0:35:52.200 --> 0:35:54.200
<v Speaker 2>anyone who says they can have something deleted off your

0:35:54.200 --> 0:35:56.759
<v Speaker 2>credit report and just promise that upfront because it may

0:35:56.800 --> 0:35:57.399
<v Speaker 2>not be the case.

0:35:58.920 --> 0:36:01.360
<v Speaker 1>Yeah, I agree.

0:36:01.600 --> 0:36:04.680
<v Speaker 2>All right, Well, thank you guys for another week. Thank you.

0:36:05.080 --> 0:36:08.200
<v Speaker 1>Yes, it has been awesome us for you.

0:36:09.680 --> 0:36:13.000
<v Speaker 2>Where has the year gone? It's almost December? I can't

0:36:13.480 --> 0:36:13.879
<v Speaker 2>I know.

0:36:14.520 --> 0:36:16.960
<v Speaker 1>I feel like it's both slow and fast, you know.

0:36:18.120 --> 0:36:21.520
<v Speaker 1>Oh I didn't share this, so for everybody knows we do.

0:36:21.600 --> 0:36:23.880
<v Speaker 1>Oh I'm going to miss you on this literature challenge, Amanda,

0:36:25.080 --> 0:36:26.560
<v Speaker 1>but hey, you can always pop in if you'd like,

0:36:26.600 --> 0:36:28.680
<v Speaker 1>so everyone knows that we do. I do the Liverature

0:36:28.760 --> 0:36:34.560
<v Speaker 1>Challenge every year and have a new subject every year.

0:36:34.640 --> 0:36:37.120
<v Speaker 1>Last year was networth, the year before was credit, which

0:36:37.120 --> 0:36:40.160
<v Speaker 1>I did with Mandy and Credit and the Magnifi Money

0:36:40.160 --> 0:36:44.279
<v Speaker 1>which was super fun. So our upcoming year is the

0:36:44.440 --> 0:36:48.160
<v Speaker 1>Home Buying Edition. I'm super guided because so many people

0:36:48.200 --> 0:36:49.759
<v Speaker 1>you know, want to purchase home. So I said, well,

0:36:49.800 --> 0:36:52.520
<v Speaker 1>what if I created a challenge that kind of walked

0:36:52.520 --> 0:36:56.160
<v Speaker 1>you through less so about credits. We've done credit and

0:36:56.239 --> 0:36:58.439
<v Speaker 1>not even so much about savings, but just the home

0:36:58.480 --> 0:37:01.040
<v Speaker 1>buying process, like what can you ex expect, what kind

0:37:01.040 --> 0:37:03.120
<v Speaker 1>of documents do you need to get together? Who do

0:37:03.160 --> 0:37:05.040
<v Speaker 1>you need to have on your team? And so the

0:37:05.160 --> 0:37:07.399
<v Speaker 1>Liverate your Home Buying Edition is it's going to teach

0:37:07.440 --> 0:37:10.120
<v Speaker 1>you all that and as usual, it is free. All

0:37:10.120 --> 0:37:12.799
<v Speaker 1>the challenges are always free. It's my way of giving

0:37:12.840 --> 0:37:15.520
<v Speaker 1>back every year. And so if you like to sign up,

0:37:15.880 --> 0:37:18.520
<v Speaker 1>you can go to l r C for Liverature Challenge

0:37:18.800 --> 0:37:22.440
<v Speaker 1>home Buying dot Com that's l r C Home Buying

0:37:22.560 --> 0:37:25.919
<v Speaker 1>dot Com and sign up and get walked through step

0:37:25.960 --> 0:37:28.279
<v Speaker 1>by step into three week online free course where every

0:37:28.360 --> 0:37:31.479
<v Speaker 1>day you get an email in your inbox that leads

0:37:31.480 --> 0:37:36.600
<v Speaker 1>you to that they tip and task and they collectively

0:37:37.120 --> 0:37:40.200
<v Speaker 1>will have you ready to purchase a home, or at

0:37:40.280 --> 0:37:43.040
<v Speaker 1>least the knowledge to purchase a home I'm in twenty

0:37:43.040 --> 0:37:44.200
<v Speaker 1>two days, so I'm excited.

0:37:44.400 --> 0:37:46.480
<v Speaker 2>Oh that's perfect. Wait, why can't I be a part

0:37:46.520 --> 0:37:46.719
<v Speaker 2>of it?

0:37:47.640 --> 0:37:50.440
<v Speaker 1>No, you can. I just say, you know, well, you well,

0:37:50.440 --> 0:37:51.799
<v Speaker 1>I'm just saying I would love to have you because

0:37:51.800 --> 0:37:53.760
<v Speaker 1>I remember we had so much fun when we remember

0:37:53.800 --> 0:37:56.359
<v Speaker 1>we used to do the weekly the weekly.

0:37:56.080 --> 0:37:58.120
<v Speaker 2>Video lives about it.

0:37:59.040 --> 0:38:00.760
<v Speaker 1>So now, yeah, if you love to come on. Honestly,

0:38:00.800 --> 0:38:03.200
<v Speaker 1>I just I love the different perspectives. So I think

0:38:03.280 --> 0:38:06.360
<v Speaker 1>that I if you want to come and like do

0:38:06.400 --> 0:38:09.400
<v Speaker 1>a live lesson, we could meet up someplace and like

0:38:09.440 --> 0:38:11.160
<v Speaker 1>for one of the tasks. I would love that. Honestly,

0:38:11.200 --> 0:38:13.120
<v Speaker 1>I'm trying to get as many of my friends who've

0:38:13.120 --> 0:38:15.640
<v Speaker 1>purchased homes or who are in the process to do so,

0:38:15.680 --> 0:38:18.200
<v Speaker 1>because everyone's process is kind of different, and so it's

0:38:18.239 --> 0:38:20.239
<v Speaker 1>nice for people to see themselves and like, oh that

0:38:20.360 --> 0:38:23.440
<v Speaker 1>was me, Like you had a really smooth process. Drina

0:38:23.520 --> 0:38:26.200
<v Speaker 1>congratulations just closed on her home and it was not

0:38:26.239 --> 0:38:30.239
<v Speaker 1>smooth at all. My process. It was rocky. But she

0:38:30.320 --> 0:38:33.000
<v Speaker 1>closed and so she was like, because she's an because

0:38:33.040 --> 0:38:35.920
<v Speaker 1>she's an entrepreneur, the process was totally different, yes, and

0:38:35.920 --> 0:38:38.640
<v Speaker 1>it was like, well, child, she was like, but this

0:38:38.760 --> 0:38:40.919
<v Speaker 1>is crazy. We need this. We need your blood type,

0:38:40.920 --> 0:38:43.439
<v Speaker 1>we need the last hair that fell from your home.

0:38:43.680 --> 0:38:48.000
<v Speaker 1>We need and she was like, I almost she wanted

0:38:48.040 --> 0:38:49.840
<v Speaker 1>to walk away so many times. And me, you know,

0:38:49.920 --> 0:38:51.799
<v Speaker 1>since I bought my home in cash, that was a

0:38:51.840 --> 0:38:54.920
<v Speaker 1>totally different process. So yeah, if you want to, you

0:38:54.960 --> 0:38:56.960
<v Speaker 1>want to come and do a live video lesson with me,

0:38:57.080 --> 0:38:57.640
<v Speaker 1>I'd love that.

0:38:58.080 --> 0:38:59.480
<v Speaker 2>You can say, no, I did kind of put you

0:38:59.520 --> 0:39:03.319
<v Speaker 2>on blast and had asked you publicly I witnesses, but

0:39:03.480 --> 0:39:05.640
<v Speaker 2>thank you.

0:39:05.640 --> 0:39:08.000
<v Speaker 1>No, I I love that. I think you're like, yes,

0:39:08.440 --> 0:39:09.839
<v Speaker 1>do we do we have a home, And maybe I'll

0:39:09.880 --> 0:39:12.520
<v Speaker 1>put the around a mission like I know, we had

0:39:12.560 --> 0:39:14.600
<v Speaker 1>one where we talked about our homes like a lot,

0:39:14.640 --> 0:39:15.480
<v Speaker 1>so maybe I'll put that.

0:39:15.400 --> 0:39:16.480
<v Speaker 2>In its like every episode.

0:39:17.719 --> 0:39:19.279
<v Speaker 1>No, but there was one in particular where we love

0:39:19.360 --> 0:39:22.000
<v Speaker 1>talked about it like that whole time, So maybe I'll

0:39:22.040 --> 0:39:24.879
<v Speaker 1>put that in. It's like required listening. So yeah, so

0:39:24.920 --> 0:39:26.520
<v Speaker 1>you guys, you know, if you want to sign up

0:39:26.520 --> 0:39:28.319
<v Speaker 1>for the home Buying edition, we'd love to have you.

0:39:29.000 --> 0:39:32.960
<v Speaker 1>L RC Home Buying, do come and I will see

0:39:33.000 --> 0:39:33.799
<v Speaker 1>you at the house for me