WEBVTT - Ep 319: Give Me The Lump Sum! 0:00:06.360 --> 0:00:17.160 Hey, hey, hey, oh we're back. We're black, We're brown ambition. 0:00:17.600 --> 0:00:20.360 I don't know what happens to the high know, hey, mandra. 0:00:20.200 --> 0:00:22.759 It's the humidity. It's gotta be. 0:00:24.840 --> 0:00:27.920 Not that I've had, I know, but it's extra gone today. 0:00:29.080 --> 0:00:31.360 I know. Well, I was just scribbling down. I wanted 0:00:31.400 --> 0:00:35.040 to mention I'm one of those people who only cares 0:00:35.040 --> 0:00:37.559 about astrology when has something good to say about me 0:00:37.760 --> 0:00:41.000 and my prospects for the future. But not only is 0:00:41.040 --> 0:00:43.800 it it's Leo season, but I read that the new 0:00:43.840 --> 0:00:47.400 moon is in Leo. Okay, don't ask you what that means, 0:00:47.440 --> 0:00:51.000 but the new moon is like a certain it's whatever. 0:00:51.159 --> 0:00:53.599 The moon is doing some stuff, and Leo likes it. 0:00:53.640 --> 0:00:57.280 And it's a great time for like business and financial planning, 0:00:57.520 --> 0:01:00.279 and we're all supposed to be like in a more 0:01:00.680 --> 0:01:04.160 fruitful kind of I don't know, energy to have new 0:01:04.200 --> 0:01:09.760 business ideas or money ideas or career stuff. So you, guys, 0:01:09.880 --> 0:01:12.800 if you're feeling like you want to make a big 0:01:12.880 --> 0:01:16.600 money decision or a big money bet like today, I 0:01:16.640 --> 0:01:18.480 mean this month, it might be the month for you. 0:01:18.560 --> 0:01:19.160 I'm just saying. 0:01:19.319 --> 0:01:23.200 But I didn't win the lottery though, that one billion dollars? 0:01:23.200 --> 0:01:24.440 Did you play? I played? 0:01:25.319 --> 0:01:27.920 Did you know? I feel like you're either I'm either 0:01:27.959 --> 0:01:29.840 going to play all the time or I'm never going 0:01:29.920 --> 0:01:32.400 to play. And I just decided a while back, I 0:01:32.440 --> 0:01:34.560 guess because growing up as a kid, like when my 0:01:34.640 --> 0:01:37.080 dad would open up the car door, lottery tickets would 0:01:37.080 --> 0:01:39.640 just fall out because they would just be stuffed into 0:01:39.680 --> 0:01:42.120 the you know, the little cubby there, and it just 0:01:42.319 --> 0:01:46.280 never No, I have never played. 0:01:46.959 --> 0:01:50.040 Only I only play when it reaches something astronoc because 0:01:50.080 --> 0:01:52.560 I don't pay attention. So this is like the second time, 0:01:52.560 --> 0:01:54.800 maybe I played second or third time when because like 0:01:54.880 --> 0:01:56.880 I remember before when it reached like a billion, and 0:01:56.920 --> 0:01:59.320 I was like, oh so it it grabbed my attention. 0:01:59.400 --> 0:02:02.840 I said, you know what, I do it because it's 0:02:03.080 --> 0:02:06.080 it's at a billion. That's a cute little number. And 0:02:06.160 --> 0:02:08.919 so I put twenty dollars on it. Obviously I didn't win, 0:02:10.000 --> 0:02:12.680 but they won in Illinois, where my sister lives. So 0:02:12.720 --> 0:02:14.720 we called her. We were like, tell us she won, 0:02:15.120 --> 0:02:16.600 and she was like no. But it was like at 0:02:16.639 --> 0:02:18.839 a corner store next to where she used to live 0:02:18.919 --> 0:02:21.079 that sold the winning ticket. I was like, oh, dang, 0:02:21.800 --> 0:02:23.080 this close to being a billion. 0:02:23.480 --> 0:02:26.080 Shut up twenty six. 0:02:26.440 --> 0:02:26.880 It wasn't. 0:02:27.080 --> 0:02:29.119 I thought it was just that one well one one 0:02:29.160 --> 0:02:33.440 winner won like a billion dollars one point three three 0:02:33.480 --> 0:02:35.919 seven billion dollars and we'll probably never find out who 0:02:35.919 --> 0:02:37.960 it was. If you won, I feel like, wouldn't you 0:02:38.040 --> 0:02:40.760 be anonymous girl illing on BALI? 0:02:41.480 --> 0:02:46.720 I'd be like, hello, I mean, Bollie, don't tell anywhere, right, 0:02:46.760 --> 0:02:48.680 I'm saying Bali, I'm saying, but secretly i'd be in 0:02:48.680 --> 0:02:53.760 Mexico Lion talking about I'm in BALI like, yeah. 0:02:52.400 --> 0:02:54.080 Witness protection for billionaires. 0:02:55.440 --> 0:02:57.040 So I well, I mean I would just leave just 0:02:57.080 --> 0:02:59.520 so people can't, you know, try to like squeeze me 0:02:59.520 --> 0:03:02.840 through some So yeah. I The first person I would call, 0:03:02.840 --> 0:03:05.519 honestly is my financial advisor. Because I'm such a nerd. 0:03:05.560 --> 0:03:08.120 I'd be like, wait, I would set aside some fun money, 0:03:08.160 --> 0:03:10.560 like maybe half a million, you know, just a little something. 0:03:11.280 --> 0:03:13.640 I guess. The first question is lump sum or annuity. 0:03:14.480 --> 0:03:17.600 If I was a begder thirty, I would do annuity 0:03:18.200 --> 0:03:20.840 over thirty lump sum, baby, because it's like it's a 0:03:20.880 --> 0:03:23.600 twenty year page through. Yeah I did. I was like, 0:03:23.639 --> 0:03:25.320 you know, what if I get this money, I'm like, 0:03:25.320 --> 0:03:27.519 because I'm like, I'm forty two now, so twenty years, 0:03:27.560 --> 0:03:30.360 I'm like, eh, you know, I'm responsible, So I'll give 0:03:30.400 --> 0:03:31.880 you my money. Now, I think that's like six or 0:03:31.919 --> 0:03:34.080 seven hundred million. That's what I think the lump sum is. 0:03:34.400 --> 0:03:37.119 Then it doesn't include taxes, which are like at least 0:03:37.160 --> 0:03:39.400 half that, so you're looking at maybe like two hundred 0:03:39.400 --> 0:03:42.600 three hundred million dollars, which is plenty, but annuity. If 0:03:42.600 --> 0:03:45.200 I was under twenty or under thirty, I would do 0:03:45.240 --> 0:03:48.800 annuity because I don't know I'd had all my sense yet, 0:03:49.040 --> 0:03:51.119 so I'd be like, I messed up the year one, okay, okay. 0:03:51.160 --> 0:03:54.240 Oh near two, okay, you're too I messed up okay, okay, 0:03:54.280 --> 0:03:56.160 But year five I got it. And so that way, 0:03:56.320 --> 0:03:58.680 every year I have a chance to, like, you know, 0:03:59.320 --> 0:04:01.520 to make it right. So that's what I would do. 0:04:01.560 --> 0:04:04.200 What about you, I think I would. 0:04:04.000 --> 0:04:06.040 Just take the lump sum because I'd be afraid someone 0:04:06.080 --> 0:04:09.280 would just someone would miss up some paperwork or someone 0:04:09.320 --> 0:04:12.160 would die, and then like seven years down the line, 0:04:12.320 --> 0:04:16.120 no more millions. You know. I don't know. And my 0:04:16.200 --> 0:04:18.080 husband did ask me. We were on like a little 0:04:18.120 --> 0:04:20.600 road trip this weekend, and one of the random questions 0:04:20.600 --> 0:04:22.560 that you asked. He was like, you know, how would 0:04:22.560 --> 0:04:25.039 our life change if we had a billion dollars? I 0:04:25.080 --> 0:04:28.400 couldn't think of. I was like, life's pretty good. I 0:04:28.440 --> 0:04:30.839 guess we'd like get a bigger house. You'd probably have 0:04:30.880 --> 0:04:33.760 a few Tesla's in the driveway. I don't know, like 0:04:35.080 --> 0:04:38.560 but I don't know. I I it's almost that amount 0:04:38.560 --> 0:04:41.839 of money. I would, I would, I would want advisement. 0:04:41.880 --> 0:04:47.400 You remember Amazon Jeff Bezos's ex wife, Mackenzie. I feel 0:04:47.400 --> 0:04:50.240 like her approach was she seemed to have taken her time, 0:04:50.320 --> 0:04:53.440 but then very quickly started just like setting up trusts 0:04:53.480 --> 0:04:55.880 and giving money away and finding out a way to 0:04:55.880 --> 0:04:57.960 put that money to good use because it would feel 0:04:58.000 --> 0:05:01.360 like unearned and I would want to give it, give 0:05:01.400 --> 0:05:04.160 it away, you know, some of it, and I would 0:05:04.200 --> 0:05:05.960 do that. Yeah, I'd still be able to take care 0:05:06.000 --> 0:05:09.039 of a few generation of woodroff Santoisis. I feel like, 0:05:09.760 --> 0:05:12.120 and then I still want to turn around and do 0:05:12.160 --> 0:05:15.360 something good with that money, because it's so so any 0:05:15.400 --> 0:05:17.039 It could have been anyone, you know what I mean, like. 0:05:19.240 --> 0:05:23.520 Anyway whoever, and really just being like a school teacher 0:05:23.640 --> 0:05:26.680 or whatever and being like, let me just check. I 0:05:26.680 --> 0:05:30.800 don't even know. I would just be shaking, I disbelief. 0:05:31.160 --> 0:05:32.800 I probably would have lost a lot of ticket to 0:05:32.800 --> 0:05:33.359 be fair, and. 0:05:33.800 --> 0:05:35.520 I know, Lord knows, i'd be like it would have 0:05:35.560 --> 0:05:39.800 been in the laundry. I'd been, wait, where's my ticket? 0:05:40.160 --> 0:05:40.919 Where's my ticket? 0:05:41.880 --> 0:05:43.279 So I don't even know how to play it. I 0:05:43.320 --> 0:05:45.720 just to go how exactly. 0:05:45.839 --> 0:05:46.000 Oh. 0:05:46.560 --> 0:05:48.520 I hate when people give me gift cards. I'm like, oh, 0:05:48.520 --> 0:05:50.240 so you really just don't want me to have anything good. 0:05:50.560 --> 0:05:52.520 You just want to give that money to the company. 0:05:52.560 --> 0:05:53.599 And I'm never going to use it. 0:05:53.720 --> 0:05:55.919 I'm never going to use it. I never I was 0:05:55.960 --> 0:05:58.400 proud of myself. I was at Target this weekend and 0:05:58.680 --> 0:06:02.640 by some miracle chance, I said, wait, I had like 0:06:02.760 --> 0:06:04.640 four Target gift cards and. 0:06:04.560 --> 0:06:05.839 It made five dollar ones. 0:06:06.279 --> 0:06:08.560 Oh my gosh, and well just also to like return 0:06:08.680 --> 0:06:11.880 ones and and so like I was whatever I was buying, 0:06:11.960 --> 0:06:13.920 it was like five dollars by the time I was done, 0:06:13.960 --> 0:06:16.599 because you know, I was not spending five dollars at Target. Oh. 0:06:16.600 --> 0:06:18.400 But I was so proud of myself. I said, tifay, 0:06:18.440 --> 0:06:20.479 this has been years in the making. This is like 0:06:20.839 --> 0:06:23.120 years in the making. You've got a work card. Yeah. 0:06:23.279 --> 0:06:24.800 I felt so good. I was it went from like 0:06:25.040 --> 0:06:27.760 sixty four dollars to like four ninety nine. I was like, 0:06:27.760 --> 0:06:29.560 look at me winning my life. 0:06:29.920 --> 0:06:32.119 I could live off that high for like a month. 0:06:34.520 --> 0:06:36.560 This morning I needed to get a toothbrush, and do 0:06:36.600 --> 0:06:38.160 you know what I did do? And I'm very proud 0:06:38.200 --> 0:06:41.320 of myself. This is how Target gets me. And I 0:06:41.320 --> 0:06:43.840 think you mentioned it actually during our oh yeah shout 0:06:43.839 --> 0:06:47.680 out to our YouTube live for last last Thursday Recession Day. 0:06:47.720 --> 0:06:50.960 You guys can catch that episode. It aired on Friday. Anyway, 0:06:51.640 --> 0:06:54.599 I remembered like at Target, they suck you win with 0:06:54.640 --> 0:06:56.560 the low prices, right. I need a new toothbrush because 0:06:56.560 --> 0:06:59.800 I lost mine in camping whatever. And I was like, oh, 0:07:00.120 --> 0:07:02.440 be cheaper a Target. But there is no way in 0:07:02.480 --> 0:07:05.200 Haities I would go into a Target for one toothbrush 0:07:05.240 --> 0:07:08.120 and not walk out with seventy eleven home goods and 0:07:08.240 --> 0:07:11.600 clothes for Rio, a club dog toy for Mollie, and 0:07:11.680 --> 0:07:14.280 whatever they have in the clear insection. So I went 0:07:14.320 --> 0:07:16.520 to CBS and I spent way too much on a 0:07:16.600 --> 0:07:21.720 damn four pack of toothbrushes. And I feel like by spending, yeah, 0:07:21.840 --> 0:07:24.640 by spending more, by just going to CBS where there's 0:07:24.680 --> 0:07:28.440 so many fewer distractions, I save so much money, and 0:07:28.480 --> 0:07:31.200 I'm like, is this it is this the key to 0:07:31.280 --> 0:07:34.720 me to maintaining my shopping budget in an inflation deemic. 0:07:34.840 --> 0:07:37.720 I don't know, I know, I know because apparently we're 0:07:37.720 --> 0:07:39.320 not in there. Like I said in my Live, I 0:07:39.440 --> 0:07:42.320 was like, it's not a recession, but look a recession. E. 0:07:44.960 --> 0:07:47.960 We did have some good news on Friday for you 0:07:48.000 --> 0:07:50.080 guys who have been We've been trying to tell y'all, 0:07:50.120 --> 0:07:53.600 don't check your retirement accounts, don't check your your investments. 0:07:54.040 --> 0:07:56.080 I have not taken my own advice, and every once 0:07:56.120 --> 0:07:58.880 in a while, because I'm a masochist, I would go 0:07:58.920 --> 0:08:01.280 and check mine and see just how much money I've lost. 0:08:01.760 --> 0:08:05.800 But on Friday, all of the major indices, so the Dow, 0:08:06.160 --> 0:08:08.920 the S and P, the Nasdaq, they all were up 0:08:09.360 --> 0:08:11.520 and the S and P had its best month of 0:08:11.600 --> 0:08:14.400 twenty twenty two. It was up nine point one percent. 0:08:14.960 --> 0:08:18.760 So just goes to show y'all these cycles are going 0:08:18.840 --> 0:08:20.480 to happen. It ain't gonna be the last time we'll 0:08:20.480 --> 0:08:23.560 have a downturn. But that coupled with the fact that 0:08:23.920 --> 0:08:27.640 they're still strong demand for workers. I mean, it's just 0:08:27.680 --> 0:08:32.160 such an interesting like economics stew right now. But it's 0:08:32.200 --> 0:08:34.800 not all it's not all bad at all. There's there's 0:08:34.800 --> 0:08:35.880 some stuff to be happy. 0:08:35.640 --> 0:08:39.000 About, speaking about like workers. I was at what was 0:08:39.000 --> 0:08:42.600 I at Marshall's. I was in Marshall's and Clark and 0:08:42.720 --> 0:08:44.280 I ran. I was going to the jusson one. I 0:08:44.320 --> 0:08:45.360 was like, I saw this woman. I was like, I 0:08:45.440 --> 0:08:47.600 know your face. She's kind of your face too, And 0:08:47.640 --> 0:08:49.560 I was like, where are you from? And so we 0:08:49.559 --> 0:08:50.720 were like kind of go back and forth, you know, 0:08:50.760 --> 0:08:52.040 do that, like where'd you go to school? What about this? 0:08:52.120 --> 0:08:53.439 What about this? And then I was like, what do you work? 0:08:53.440 --> 0:08:55.880 And she's like, oh, I'm a principal at this school 0:08:56.880 --> 0:08:58.599 in Belleville. And I was like, that's where I know 0:08:58.679 --> 0:09:01.079 you from. I went to my Amelia shout to you 0:09:01.200 --> 0:09:04.280 me Me. That's my Mini Me twin, my sassy Mini 0:09:04.360 --> 0:09:07.840 Me twin. She was in kindergarten last year and they 0:09:07.880 --> 0:09:11.160 had like a summer concert where it was outside, like 0:09:11.200 --> 0:09:13.520 on the blacktop, and all the parents came. And I 0:09:13.559 --> 0:09:17.560 remembered her because she was such an engaged educator, Like 0:09:17.559 --> 0:09:19.240 you know, I didn't know she was a principal at 0:09:19.280 --> 0:09:21.080 the time, but she was like so loving to the 0:09:21.120 --> 0:09:24.280 students and like she just seemed awesome. And I remembered 0:09:24.360 --> 0:09:28.400 her from that and she was like, oh, I was like, oh, 0:09:28.480 --> 0:09:29.800 you know, you know I used to be a teacher. 0:09:29.840 --> 0:09:31.720 She's like, a you're looking for a job. And I 0:09:31.840 --> 0:09:33.560 was like, I thought she was joking. She's like, no, 0:09:33.640 --> 0:09:37.880 we're losing teachers like hotcakes. Honestly. She's like, if you 0:09:37.920 --> 0:09:40.400 every want a return, she said, Tiffany can't. We can't 0:09:40.440 --> 0:09:42.840 keep teachers if you're looking for a job. And I 0:09:42.920 --> 0:09:46.480 just thought, wow, like it's a little scary because I 0:09:46.480 --> 0:09:47.920 don't know if you saw. There was an article that 0:09:48.000 --> 0:09:50.600 I read like two or three days ago that a 0:09:50.679 --> 0:09:53.920 teacher in Ohio quit his job after he went to 0:09:53.960 --> 0:09:56.480 school for five years, got his degree, had his master's, 0:09:56.880 --> 0:09:59.559 was making forty three thousand dollars a year. Quit that 0:09:59.640 --> 0:10:02.600 job too, work at Walmart as a manager where he 0:10:02.640 --> 0:10:05.560 did not need a degree, and he's making fifty three thousand. 0:10:05.840 --> 0:10:07.920 So he quit over fifty three or fifty five. He's 0:10:07.920 --> 0:10:11.400 making twelve thousand more dollars a year as a as 0:10:11.440 --> 0:10:13.680 a manager at Walmart. And he's like, I actually loved 0:10:13.679 --> 0:10:16.080 teaching and wanted to teach and to be here for 0:10:16.120 --> 0:10:18.360 the kids, but I can't afford to live at that level. 0:10:18.880 --> 0:10:21.280 And so it's just like, what's going to happen, Like 0:10:21.320 --> 0:10:23.480 if we don't pay teachers more, we don't create a 0:10:23.480 --> 0:10:27.440 better environment. This is not like packing boxes, like teachers 0:10:27.440 --> 0:10:30.000 are essential workers. And so it was a little scary 0:10:30.000 --> 0:10:32.320 that she was literally like, you want a job and 0:10:32.360 --> 0:10:34.640 met the fact that this young man who's only twenty 0:10:34.679 --> 0:10:36.800 eight years old, you know, had to quit like his 0:10:36.920 --> 0:10:39.280 dream job because it wasn't enough to sustain himself. 0:10:40.240 --> 0:10:42.560 I was just at I work with I work, I 0:10:42.600 --> 0:10:44.800 live in a neighborhood. But there's this a little group 0:10:44.800 --> 0:10:48.760 of moms and several of them are teachers. And to 0:10:48.880 --> 0:10:52.280 hear them, I didn't realize how many teaching jobs require 0:10:52.360 --> 0:10:55.840 a master's or like an advanced degree. That to me, 0:10:56.200 --> 0:10:58.360 I'm like, I mean, I understand it, but the pay 0:10:58.559 --> 0:11:01.200 the math does not math. And you're so right, I mean, 0:11:01.600 --> 0:11:05.240 and it's it's this generation of would be teachers that 0:11:05.320 --> 0:11:08.600 I worry about, like gen z, who are trying to 0:11:08.640 --> 0:11:11.360 decide their own career paths. How why would you tell 0:11:11.400 --> 0:11:13.560 them to go into teaching other than like for the 0:11:13.600 --> 0:11:17.280 pe or love of it, you know, because the pay 0:11:17.440 --> 0:11:19.800 and this, like New York Times front page this weekend 0:11:19.920 --> 0:11:23.199 was like teachers are strapped now, teachers prepared for elementary 0:11:23.200 --> 0:11:26.080 school trying to carry weapons into school for their own safety. 0:11:26.800 --> 0:11:30.720 You know, I don't know what we're gonna do, but 0:11:30.760 --> 0:11:33.120 I do feel like there has to be some sort 0:11:33.160 --> 0:11:35.400 of inflection point. And it's all state, right, It's like 0:11:35.440 --> 0:11:37.560 what states decide to pay their teachers. It's all at 0:11:37.559 --> 0:11:38.440 the state level. 0:11:39.040 --> 0:11:42.360 So I need sairly because there's definitely like district by 0:11:42.360 --> 0:11:46.000 district can decide. Like I remember at one point, Westfield 0:11:46.000 --> 0:11:47.720 where I grew up, was paying like forty and Newark 0:11:47.800 --> 0:11:51.160 was paying fifty five thousand. So it's not I think 0:11:51.200 --> 0:11:54.600 that there's a basic framework at the state provides, but 0:11:54.679 --> 0:11:57.080 the districts can make have the final say. 0:11:58.080 --> 0:12:01.319 Right because like property taxes, all fee into how much 0:12:01.360 --> 0:12:03.240 you can pay in the lower income places get the 0:12:03.840 --> 0:12:07.200 least resources. All of that. Yeah, well to those educators 0:12:07.200 --> 0:12:09.560 who are still hanging in there, thank you so so much. 0:12:10.120 --> 0:12:11.840 I didn't even mind that they raised the fee at 0:12:11.920 --> 0:12:14.200 daycare this past month. I felt some type of way 0:12:14.200 --> 0:12:15.319 about it, but I was like, go and give me 0:12:15.480 --> 0:12:16.360 Shelley a raise. 0:12:17.960 --> 0:12:23.240 For real. It's hard. Honestly, people don't realize, like it 0:12:23.320 --> 0:12:26.359 is so difficult to teach because it's not a profession 0:12:26.480 --> 0:12:28.080 that you can kind of leave your heart at home. 0:12:29.240 --> 0:12:34.479 So it just weighs so like it's weighs on you personally, professionally, emotionally, 0:12:35.040 --> 0:12:37.800 like honestly, like a good teacher actually loves her kids, 0:12:37.840 --> 0:12:40.839 like you know, especially if you're teaching the little ones, 0:12:41.000 --> 0:12:43.120 Like you drop your three year old, that's our three 0:12:43.160 --> 0:12:47.280 year old, just so you know, like that's my baby too, 0:12:47.480 --> 0:12:49.560 Like I love your kid, you know, like I pray 0:12:49.600 --> 0:12:51.400 for your kid, I buy things for your kid. I 0:12:51.440 --> 0:12:53.800 think about them when I'm at home, and like, you know, 0:12:54.160 --> 0:12:56.280 I wonder why Riyo, you know, seems sad today? Is 0:12:56.280 --> 0:12:56.920 he okay? 0:12:57.200 --> 0:12:57.360 You know? 0:12:57.400 --> 0:12:58.679 I want to talk to Mandy when she comes in 0:12:58.760 --> 0:13:01.720 to make sure, like that's how like you know, like 0:13:01.800 --> 0:13:05.559 teachers who are really invested how they navigate, So it 0:13:05.960 --> 0:13:08.600 weighs heavily, Like when kids are not okay, we're not 0:13:08.640 --> 0:13:11.600 okay either, you know. We worry about your kids. So 0:13:11.760 --> 0:13:15.720 like that's not your guess our kid, you know, And 0:13:15.720 --> 0:13:18.360 that's what you're wanting from a really good teacher, someone 0:13:18.400 --> 0:13:20.719 that like loves your kid is invested in your kid, 0:13:20.800 --> 0:13:22.880 and then because they're gonna notice things maybe that you 0:13:22.920 --> 0:13:26.480 might not have noticed. And you know, nothing like helps 0:13:26.480 --> 0:13:29.400 to advance a baby further like love and like a 0:13:29.440 --> 0:13:33.200 loving environment, you know. And so yeah, so just really 0:13:33.240 --> 0:13:36.000 really really shout out to the teachers out there, because 0:13:36.000 --> 0:13:39.240 I just know how hard the job is. If you're 0:13:39.240 --> 0:13:41.199 at least teaching you little ones, at least you get 0:13:41.200 --> 0:13:44.040 that love back instantly, because you know, the babies love 0:13:44.080 --> 0:13:47.040 you right back. So like, you know, Monday Simillion, she 0:13:47.040 --> 0:13:49.560 don't tell me she loves me, but meanwhile Miss Natalie 0:13:49.720 --> 0:13:52.280 gets cards talking about I love you so so so 0:13:52.280 --> 0:13:55.120 so so so so much. I was like me with 0:13:55.400 --> 0:13:58.040 so much right, I was like, where's mine? She looks 0:13:58.040 --> 0:14:00.840 at me, like, girl, you're sweating me. This is miss Natale. 0:14:01.640 --> 0:14:05.760 The day that my child says they love their teachers. 0:14:05.760 --> 0:14:10.600 Wow, I'll say, wow, Okay, but no, we love miss 0:14:10.640 --> 0:14:14.040 Natalie because you know that means that that speaks volumes 0:14:14.360 --> 0:14:16.440 that she's writing you like a note saying that that 0:14:16.440 --> 0:14:18.600 that she feels loved in that environment, and so she's 0:14:18.640 --> 0:14:20.440 sending that love back. So just shout out to the 0:14:20.680 --> 0:14:23.760 It's a really awesome teacher teacher the Principles. 0:14:23.760 --> 0:14:25.680 But I hope their teachers didn't download the new Beyonce 0:14:25.760 --> 0:14:29.240 album over the weekend because they were destructing out of 0:14:29.240 --> 0:14:30.640 that school parking lot. 0:14:32.160 --> 0:14:34.640 Somewhere else they had sat it again. 0:14:36.000 --> 0:14:38.440 I uh yeah, I told myself I was gonna wait 0:14:38.520 --> 0:14:40.040 until we were taking a little road trip. 0:14:40.040 --> 0:14:40.440 We went to the. 0:14:40.480 --> 0:14:43.600 Catskills for our annual glamping trip. But I forced my 0:14:43.680 --> 0:14:47.240 husband to go on. He loves it, and uh, I 0:14:48.680 --> 0:14:50.640 couldn't listen to the album with him because he's like 0:14:50.720 --> 0:14:52.280 not interested in Beyonce. And I was like, I just 0:14:52.280 --> 0:14:54.280 can't share this with you. So I put in my 0:14:54.320 --> 0:14:57.320 airpod's pro with that noise canceling feature. I couldn't hear 0:14:57.360 --> 0:15:00.120 a thing except for the except for the music. But 0:15:00.160 --> 0:15:02.200 then I felt like a dummy because it is so 0:15:02.440 --> 0:15:04.320 meant to be dancing in the club. It is not 0:15:04.400 --> 0:15:06.800 meant to be sitting in a car ignoring your spouse 0:15:06.800 --> 0:15:12.160 and child. It's uh, it's because I'm taking money. 0:15:13.480 --> 0:15:16.600 I know, all right, I'm like, where's the concert? Like 0:15:16.760 --> 0:15:20.200 just just tell me. Like I'm trying to live more fully, 0:15:20.280 --> 0:15:22.760 like live well, now that's like my new tagline for myself, 0:15:22.760 --> 0:15:25.160 my personal self live well now, and so did I 0:15:25.200 --> 0:15:28.080 tell you that? Because so we all want to visit. 0:15:28.760 --> 0:15:31.400 I was paid by financial institution to fly out to 0:15:31.560 --> 0:15:34.360 Chicago to speak and I did. But my sister Karen 0:15:34.400 --> 0:15:37.040 lives right outside Chicago, so the rest of us I 0:15:37.080 --> 0:15:39.640 was like, let's all go. Unfortunately, Tracy couldn't go because 0:15:39.640 --> 0:15:43.440 you got COVID last minute. So it was me, Carol, Lisa, 0:15:43.720 --> 0:15:46.240 the kids, Karen and her daughter and her husband. It 0:15:46.280 --> 0:15:48.040 was awesome to visit them, but I was like, we 0:15:48.080 --> 0:15:51.720 never got our full on sister like hangout and we 0:15:51.760 --> 0:15:54.120 have not done like a sister trip in like since 0:15:54.160 --> 0:15:57.000 my college, I feel like. And so I was like, 0:15:57.040 --> 0:15:58.720 I was talking to my sister Carol about it. She's like, 0:15:58.760 --> 0:16:02.400 we should do something, and especially when the summer's out, 0:16:02.400 --> 0:16:04.040 that way the kids can be like maybe sat by 0:16:04.040 --> 0:16:06.920 like grandparents and stuff. And so we decided we are 0:16:06.960 --> 0:16:10.680 going to see Usher at his residency in Las Vegas. 0:16:11.320 --> 0:16:14.920 I am oh so excited. I know. So I got 0:16:14.960 --> 0:16:19.560 the tickets taking applications for so like I got us 0:16:19.600 --> 0:16:23.000 the tickets. My friend Cabral gets like free like hotel 0:16:23.080 --> 0:16:25.160 rooms or whatever, because of course he does, because he's Cabral. 0:16:25.240 --> 0:16:27.400 That's just him and so he got us like some 0:16:27.440 --> 0:16:29.520 hotel rooms. I just got to get our flights. But 0:16:29.680 --> 0:16:32.680 it is going to be at time I cannot so 0:16:32.760 --> 0:16:35.320 this week, I want I tell you, Yeah, so it's in. 0:16:35.560 --> 0:16:37.760 I want to say the end of August. We're going 0:16:37.760 --> 0:16:38.560 on like a Wednesday. 0:16:39.720 --> 0:16:41.200 So what is so freaking amazing? 0:16:41.320 --> 0:16:43.680 Oh my gosh. So because I've heard such good thing. 0:16:43.720 --> 0:16:46.880 Have you seen the tiny desk as tiny desk? Ah? 0:16:47.000 --> 0:16:49.920 Yes, I watched Usher's tiny desk in his I mean wat. 0:16:50.680 --> 0:16:54.440 I know I tried to do try to do an 0:16:54.440 --> 0:16:57.440 Instagram reel with that, and I felt so dumb. So anyway, 0:16:57.840 --> 0:16:59.520 shout out to Usher. He still got it. I have 0:16:59.600 --> 0:17:04.960 seen like the Usher versus justin Timberlake, or like Twitter controversy. 0:17:05.200 --> 0:17:07.600 They're not actually doing a versus, but I think it 0:17:07.640 --> 0:17:09.760 was like Twitter, you know, black Twitter, trying to see 0:17:09.760 --> 0:17:12.439 who would who would outshine. I'm team Usher. 0:17:12.600 --> 0:17:13.399 I'm team Usher too. 0:17:13.400 --> 0:17:13.480 Im. 0:17:13.480 --> 0:17:15.199 Don't get me wrong. You know JT, that's you know, 0:17:15.240 --> 0:17:17.720 his music is cool. But Usher has been well. Also 0:17:17.760 --> 0:17:19.560 has JT. I was gonna say since he was a kid. 0:17:19.920 --> 0:17:22.320 But I'm excited because I feel like there's an eleven 0:17:22.359 --> 0:17:24.320 year age gap from the oldest to the youngest of 0:17:24.359 --> 0:17:26.840 my sisters. And I feel like Usher is an artist 0:17:26.880 --> 0:17:29.520 that like, despite that age gap, we can all be 0:17:29.680 --> 0:17:32.879 like you LEARNI no like these Ah my goodness is 0:17:33.040 --> 0:17:35.240 like you know, I mean, honestly, I'm so excited because 0:17:35.640 --> 0:17:37.400 we haven't done this. We're gonna have like a sleepover 0:17:37.480 --> 0:17:40.360 in the in the hotel rooms and you know, and 0:17:40.720 --> 0:17:42.879 I'm gonna I want us to go like none of 0:17:42.960 --> 0:17:45.280 us have been. Well, Tracy's been to Vegas and I've been, 0:17:45.359 --> 0:17:47.399 but I went for a conference, so I didn't get 0:17:47.440 --> 0:17:50.199 to go outside and see, like, you know, all that 0:17:49.960 --> 0:17:53.080 what is all Vegas? So I'm gonna plan for us 0:17:53.119 --> 0:17:54.640 to go like one of those hop on, hop off 0:17:54.680 --> 0:17:57.240 tours so we could just like you know, absorb whatever 0:17:57.240 --> 0:17:59.520 the strip looks like. And so we're just gonna have 0:17:59.520 --> 0:18:02.040 such a fun I'm excited, excited, excited. 0:18:03.240 --> 0:18:05.680 Oh that sounds amazing. I'm glad you guys are doing that. 0:18:05.680 --> 0:18:08.320 That's so sweet. Yeah. I haven't really taken vacation, but 0:18:08.359 --> 0:18:10.399 I did make time to go to see my sister 0:18:10.440 --> 0:18:12.800 and my brother in Saint Louis. They had to deal 0:18:12.840 --> 0:18:16.840 with my cranky butt, but you know, family is so important. 0:18:16.840 --> 0:18:18.439 You got to take that time and to do it 0:18:18.480 --> 0:18:19.680 with your sisters, no. 0:18:19.720 --> 0:18:23.520 Kids, no kids. Although I'm not gonna lie. My sister 0:18:23.560 --> 0:18:25.320 Carol was nervous because she did like a test run 0:18:25.359 --> 0:18:27.800 with the grandparents and so she was like, you know, 0:18:27.960 --> 0:18:31.000 we'll sleep over tonight, and she said she just She's like, okay, 0:18:31.080 --> 0:18:33.119 you guys watch them. I'll be downstairs doing work and 0:18:33.160 --> 0:18:34.760 she hears all this running up is down the stairs. 0:18:35.840 --> 0:18:37.480 She asked the kids, She's like, what are you guys doing. 0:18:37.760 --> 0:18:40.520 They're like playing, like where's grandma and grandpa? They said, 0:18:40.520 --> 0:18:41.240 taking a nap. 0:18:41.840 --> 0:18:46.200 She was like, wait, oh no. 0:18:46.920 --> 0:18:49.280