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Speaker 1: Hey, hey, hey, we're back and we're black and we're brown.

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Speaker 1: So today I broke down and I went to the orthodontist. Ooh, orthodontist.

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Speaker 2: Wait a second, did the commenters get to U tif wow?

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Speaker 1: Yes and no. So I've always so for those who

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Speaker 1: don't know, I actually I had bracest when I was

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Speaker 1: a kid, well, you know, like typical teens. I don't know.

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Speaker 1: I probably was like thirteen, fourteen, fifteen that age. But

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Speaker 1: I suffer from something well I don't know if it's suffer.

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Speaker 1: It's called thunk tongue thrust. It's like sucking your thumb,

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Speaker 1: but not your thumb. Instead, it's your tongue. And so

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Speaker 1: your tongue pushes your pushes forward and you I won't

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Speaker 1: even notice that I'm doing it. So I do it

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Speaker 1: in my sleep, I do it when I'm awake. I've

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Speaker 1: done it since I was literally an infant. When I

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Speaker 1: was a kid, my parents tried to get me to stop,

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Speaker 1: but there's like nothing you can do because your tongue

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Speaker 1: is in your mouth. And so because of that, whatever

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Speaker 1: the bracist did before, my tongue totally like undid that

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Speaker 1: and did some more damage. And I went to an

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Speaker 1: orthodontist maybe years ago, and I was like, oh, you know,

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Speaker 1: I want to get bracest again, probably in like my

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Speaker 1: twenties or something. And they're like, well, it's not going

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Speaker 1: to make any sense because your tongue threats is just

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Speaker 1: going to push your teeth back out. So I never

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Speaker 1: went back. I just you know, went to the regular dentist.

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Speaker 1: And then something said just ask So I actually actually

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Speaker 1: even considered veneers. So I'd gone to a like a

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Speaker 1: cosmic what is it, cosmetic dentist and they were like, no,

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Speaker 1: we don't think that's a fit for you. You should go

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Speaker 1: back to an orthodontist. I think that other guy was wrong.

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Speaker 1: So I did today and I went to this awesome place.

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Speaker 1: They were honestly so good. I mean, first of all,

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Speaker 1: these millennials. I mean I walked in Mandy, I'm like,

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Speaker 1: am I in a coffee shop? That's what it looked like.

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Speaker 1: The orthodoxis. It was so cute. They had, first of all,

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Speaker 1: Joanna Gaines has gotten to everyone. They had ship lap

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Speaker 1: on the walls. Can you imagine, Oh my god, yes,

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Speaker 1: ship lap. So no, it wasn't where was this place.

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Speaker 1: It was like in Harrison or something like that, but

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Speaker 1: it was super cute. Honestly, they were so professional, Like

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Speaker 1: I had never the way they did X rays, the

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Speaker 1: way they took pictures, I had never. I had never

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Speaker 1: gone through a process that was so easy and like pleasant.

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Speaker 1: I mean, no one thinks of the orthodontist and things pleasant,

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Speaker 1: but honestly it was really pleasant. It was called n

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Speaker 1: A North Arlington Orthodontist Orthodontics, North Arlington. Yeah, and so

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Speaker 1: my doctor, doctor Jessica, she was awesome and she was like,

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Speaker 1: I know exactly what you have. After she looked at

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Speaker 1: my pictures, she said, you have tongue thrust. It's not uncommon.

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Speaker 1: It's fishing your teeth out. And I was like, yeah,

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Speaker 1: so is it. I mean, She's like, we could fix it.

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Speaker 1: I'm like, but it's gonna go back right. She was

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Speaker 1: like no. She's like you, like, do you want bracelets?

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Speaker 1: I was like no. She was like, I think a

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Speaker 1: visil line is the best route for you anyway, which

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Speaker 1: I'm like, yes, that's like the tray, like you know,

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Speaker 1: like you can't even see them when people have them on.

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Speaker 1: It's like them in visil line. Yeah.

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Speaker 2: They my dentist has mentioned it to me a couple

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Speaker 2: of times in the past.

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Speaker 1: Yeah, you don't have anything, nothing's wrong with your teeth.

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Speaker 2: That's why I was suspicious, man, But I think anyway,

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Speaker 2: continue But yeah, in vezil line, most like a lot

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Speaker 2: of dentists offer it now. It's like the little clear

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Speaker 2: plastic case that goes over your teeth, right.

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Speaker 1: Mm hmm, And so depending on how So, like a

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Speaker 1: friend of mine had in visil line, but her teeth. Honestly,

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Speaker 1: I was like, why do you have a visiline? Your

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Speaker 1: teeth are like perfect. So it was literally just a

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Speaker 1: few months for her to straighten out her teeth, and

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Speaker 1: for me, she said probably a year to a year

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Speaker 1: and a half. And so what happens is you get

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Speaker 1: they they she they use it. They don't even do

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Speaker 1: a mold because they're fancy. They do a laser thing.

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Speaker 1: And so they they're going to get the perfect shape

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Speaker 1: of like my like mold of my mouth with this laser,

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Speaker 1: and they're going to get trays made. And what will

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Speaker 1: happen is you'll wear a tray for however many weeks

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Speaker 1: or months until like your your teeth adjust. Then you'll

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Speaker 1: get the next set of trays that then adjust your

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Speaker 1: teeth again. And you keep you keep progressively getting trays

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Speaker 1: that are closer and closer to the ideal shape of

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Speaker 1: your teeth or ideal shape of I guess your bite

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Speaker 1: or whatever. And I was like wow, and so yeah,

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Speaker 1: and so she was like, you wear them twenty two

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Speaker 1: hours a day. Basically, you just take them off to

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Speaker 1: eat and brush your teeth and that's it. And so

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Speaker 1: what the thing that really made me happy was that

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Speaker 1: she was like, I said, well, what about my tongue

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Speaker 1: thrust and there's just kind of push my teeth back

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Speaker 1: out and she said, no, we could put a bonded

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Speaker 1: wire behind your teeth once they're where they're supposed to be,

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Speaker 1: and it's like a wire like you know, like behind

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Speaker 1: my teeth. You would never know, but it will keep

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Speaker 1: my tongue because the wire is stronger than my tongue.

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Speaker 1: It'll keep my tongue from pushing my teeth back out.

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Speaker 1: And she said, but so she would suggested I continue

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Speaker 1: to wear whatever the last tray or whatever trade they

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Speaker 1: gave me is at night, like as a retainer at night,

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Speaker 1: and she was like, you by then, you'll be so

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Speaker 1: used to it. You just put it in before you

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Speaker 1: go to sleep. And you know, your teeth will stay

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Speaker 1: in place. And I was like, where have you been

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Speaker 1: on my life? I'm excited to do it, honestly, because

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Speaker 1: here's the thing, like I I'm typically not I don't know.

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Speaker 1: I like, I was a really self conscious kid, and

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Speaker 1: like I wouldn't say early twenties, like teens and early twenties,

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Speaker 1: like really self conscious about my looks, like about my

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Speaker 1: skin color, about the way the texture of my hair,

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Speaker 1: about everything. And then somewhere in like my mid to

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Speaker 1: late twenties, I was like, I don't give a what

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Speaker 1: and I did it honestly. And then in my thirties

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Speaker 1: it was just like whatever, I mean, I never had

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Speaker 1: any lack of dates or whatever. So it but when

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Speaker 1: you become more in the public eye, I'm not gonna lie.

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Speaker 1: I don't get I would say ninety nine point literally

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Speaker 1: nine percent of like comments are positive, but definitely you

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Speaker 1: get someone who has something funny to say about my smile,

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Speaker 1: and you know, and then too, I'm doing more and

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Speaker 1: more TV so I can see myself more where normally

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Speaker 1: I'm not someone who's always in the mirror, so I'm

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Speaker 1: not looking at myself. So I just said, well, Tiffany

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Speaker 1: if it bothers you and the budget, Lisa can pay

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Speaker 1: for it. I already reached out to my accountant and

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Speaker 1: she said he said yes, because I'm getting it specifically

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Speaker 1: really to present a cleaner picture for for TV and

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Speaker 1: speaking all that kind of stuff, so I can have

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Speaker 1: my business paid for it. And also to the orthodontist

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Speaker 1: that she said a lot of times that the companies

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Speaker 1: will pay for because I guess they get like, I

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Speaker 1: don't know TV personalities in there as well, and she said, yes,

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Speaker 1: that happens a lot. So there's that. I'm actually excited

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Speaker 1: about it. They work really fast. She was like, we

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Speaker 1: could take the mold today, or we could take the

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Speaker 1: lasers today. And I was like, m let me because

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Speaker 1: at the time I had not called my accountant. So

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Speaker 1: I said, well, I don't want to swipe my card

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Speaker 1: and I'm not. I'm not, you know, even though it's

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Speaker 1: my company. I don't want to obviously be chased down

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Speaker 1: by the I R S. So I'm actually going next

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Speaker 1: Monday and then within two to four weeks I have

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Speaker 1: my first tray. Isn't that crazy?

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Speaker 2: So how much is the invisil line? Like if you

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Speaker 2: were to pay out of pocket?

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Speaker 1: So I actually had well, I'm gonna pay out a

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Speaker 1: pock because like I try to use my husband's insurance.

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Speaker 1: This is what I thought I was going to pay myself,

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Speaker 1: and it was to be clear because I'm going to

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Speaker 1: have them longer than maybe the average person because I

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Speaker 1: have a lot more shifting to do. So my friend

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Speaker 1: who got her, she hadn't had a fee a few months.

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Speaker 1: She didn't have to pay it this much because she

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Speaker 1: didn't have hers as long. So I'm just going to

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Speaker 1: share in total. This includes because I asked her about

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Speaker 1: teeth whitening as well, So this includes teeth whitening. And

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Speaker 1: the 's a lot. It's five thousand, two hundred and

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Speaker 1: sixty dollars. You have to put down an initial down

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Speaker 1: payment this is for me fifteen hundred or which is

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Speaker 1: this is what I'm going to do, and then thirteen

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Speaker 1: months of payments of two hundred and eighty nine dollars

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Speaker 1: and twenty four cents. But I said, I'm not going

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Speaker 1: to do that. Instead, I'm going to pay in full,

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Speaker 1: and I'm going to join what's called the coffee Club members.

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Speaker 1: That means that if you come in for your checkups

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Speaker 1: at nine am, I guess that's when or nine thirty

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Speaker 1: am or two thirty pm Monday through Friday. So I

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Speaker 1: guess that's like, you know, they're like off peak times,

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Speaker 1: which I can do since I work for myself and

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Speaker 1: this place is only like ten minutes to my house.

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Speaker 1: I will say five hundred and twenty six dollars, so

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Speaker 1: paying in full and going during off peak times, so

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Speaker 1: for me, it's going to be forty seven, one hundred

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Speaker 1: thirty four dollars.

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Speaker 2: Interesting, I've never heard of dentists giving you a discount

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Speaker 2: for coming off pick. That's cool, I know, right, and.

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Speaker 1: I know so I'm actually you know, like I said,

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Speaker 1: I'm I'm excited and so you can get I guess

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Speaker 1: you get three years worth of trades, so like just

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Speaker 1: in case like something that's to take or I'm not

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Speaker 1: using it properly or whatever. But honestly, I'm excited about

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Speaker 1: it because I didn't realize like I could literally if

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Speaker 1: I would have gotten my laser today, maybe I could

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Speaker 1: have had them in in like two weeks. I'd be like, hm,

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Speaker 1: hmm before Christmas. You know what, I'm going to happen

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Speaker 1: before Christmas. But it's just crazy how the lesson for

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Speaker 1: me is asking the question because someone told me no,

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Speaker 1: And then for the last you know, three or four years,

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Speaker 1: I never questioned it. And I could have, and not

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Speaker 1: that I would have, like I necessarily would have gotten it,

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Speaker 1: but at least I would have. I never even had

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Speaker 1: it as an option in my mind. I said, it's

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Speaker 1: not an option. Someone told me no. So I'm excited

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Speaker 1: because when we just wait until I get my grill

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Speaker 1: all the way together, you know, tell me.

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Speaker 2: Nothing your grill well, as long as it's for your

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Speaker 2: happiness and you're doing it to make yourself happier or

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Speaker 2: not because the haters told you to which I'm I'm

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Speaker 2: sure you're not, because I think your smile is beautiful,

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Speaker 2: just the way it is.

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Speaker 1: Ye. Drenda's like, I'm gonna Drina. If you guys know

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Speaker 1: my best friend. She said, I'm gonna miss your little gaps.

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Speaker 1: I was like, I'm not, no, like no, no, honestly, no,

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Speaker 1: I don't. I mean, like I said, I I don't

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Speaker 1: hate the way I look like, you know, but I

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Speaker 1: definitely would feel more comfortable, So I mean excited about it.

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Speaker 1: I'm not going to get plastic surgery. It's not like

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Speaker 1: next up skinned.

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Speaker 2: Oh god, Jesus. I was just about to say I

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Speaker 2: would never say never about classic surgery because I'm like,

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Speaker 2: I don't know what gravity is going to do to me.

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Speaker 2: I'd like to keep the option open, you know, for

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Speaker 2: any nips and tucks when I'm in my I mean,

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Speaker 2: I feel like, when you're in your forties and fifties

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Speaker 2: and sixties, like, who cares you paid your dues, You've

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Speaker 2: made your money, nip and tuck all you want, boo, Like,

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Speaker 2: I'm I'm totally leaving that door open for myself. I mean,

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Speaker 2: do you know what kids do to your boobs?

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Speaker 1: I'm scared. I'm not gonna lie, you know what it is.

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Speaker 1: I think. I feel like the only reason why I

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Speaker 1: took Classic Soldier off the table is because I'm scared.

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Speaker 1: I don't even I don't even want to get a tattoo.

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Speaker 2: But at that, when you're like in your fifties and sixties,

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Speaker 2: like you've lived a good life, you know, you know,

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Speaker 2: why not take a little bit, take a little bit

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Speaker 2: of a risk you've had killing then why not? You know,

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Speaker 2: I'm just leaving the door open for my for my

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Speaker 2: future self.

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Speaker 1: If I have twins, I'm gonna be like, uh, while

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Speaker 1: we're here because I'm not having no work. Kids, Just

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Speaker 1: go hand on and do that. Tell me texts, we're

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Speaker 1: here already, Like, that's what I'm saying, right, I could

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Speaker 1: see myself doing that if you.

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Speaker 2: Can survive childbirth? What's a tummy tuck?

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Speaker 1: Evocle?

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Speaker 2: Did I mention anything about a pet? I was looking

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Speaker 2: for a good segue because we got some really funny

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Speaker 2: responses from our listeners after last week's show. We were

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Speaker 2: talking about how the like millennials, because they buy fancy

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Speaker 2: dog food and like cat food for their pets now,

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Speaker 2: have driven up the price and made it harder for

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Speaker 2: like the old kind of kibbles and bits type of

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Speaker 2: you know, your mama's cat food and dog food companies

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Speaker 2: to like survive today they've beenqun it harder for them anyway.

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Speaker 2: So we asked listeners, you know, how much do you

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Speaker 2: spend on your pet? We want to hear your stories.

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Speaker 2: I gotta read you this message from we got two

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Speaker 2: cent so listener Amelia with an a. She said, so

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Speaker 2: I got my cat for free on craigslist. Okay, I'm

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Speaker 2: with you, but anytime we go to the vet, I

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Speaker 2: pay for him to get IV fluids fifty dollars. She

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Speaker 2: does not mention why he needs iv flush, but apparently,

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Speaker 2: apparently Fluffy is very dehydrated.

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Speaker 1: Fry.

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Speaker 2: I paid for him to get fifty dollars ivy fluids,

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Speaker 2: even if he doesn't need it, so that he's well hydrated.

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Speaker 2: I also get him trimmed twenty dollars, nails trimmed fifteen dollars,

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Speaker 2: and some cat Xanax forty dollars so he can relax

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Speaker 2: and take a long nap when we get home. I

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Speaker 2: buy him prescription food. It gets sixty dollars a month,

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Speaker 2: and he only drinks filtered water because I don't want

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Speaker 2: chemicals or minerals building up in his body. Dot dot

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Speaker 2: dot it continues. He also has a two hundred dollars

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Speaker 2: carrier that's for hiking, but she says I bought it

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Speaker 2: for evacuations. I live in California's big fire zones, and

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Speaker 2: he has his own emergency kit. Oh my god, I

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Speaker 2: don't know what to say.

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Speaker 1: Well, I mean, like now the emergency kit, and like

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Speaker 1: the carrier, okay, but like like Fluffy is drinking the

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Speaker 1: water he needs to drink. I mean cats are like

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Speaker 1: if I'm thirsty, I shall drink that's crazy.

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Speaker 2: I'm not in mineral water. I mean to each her own.

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Speaker 2: I just you know, no judgment zone. We said, shares

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Speaker 2: your stories, no judgments.

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Speaker 1: Ohah, no judgment. I mean let me real it on back.

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Speaker 2: Okay, god do you but cat's dan x No, but

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Speaker 2: for real cat like my dog, he used to take

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Speaker 2: half a He had to take half a a clariton

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Speaker 2: every day because he had allergies. Like pets take human

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Speaker 2: medicine and it's it's it costs, like human medicine costs too.

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Speaker 1: So I didn't know that cats take human medicine.

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Speaker 2: They can if they have anxiety. And just like Fluffy here,

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Speaker 2: I made up the cat's name. I don't know the

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Speaker 2: cat's name. Forty dollars an x so he can relax

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Speaker 2: and take a long nap on me get home, because

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Speaker 2: it's stressful getting ivy fluids and your hair traids.

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Speaker 1: I don't cats like what is his life of mind?

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Speaker 1: I love it.

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Speaker 2: Listener Martisia said that she's listening to the most recent

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Speaker 2: pot Cash. She says, Luckily we've not had to spend

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Speaker 2: a crazy amount of money on her family's pug, which

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Speaker 2: she's had for ten years. She says, but like anything else.

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Speaker 2: Owning a dog is a financial decision, but owning a

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Speaker 2: pet adds an emotional component. They're not humans, but when

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Speaker 2: faced with a decision about their health, more than likely

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Speaker 2: you would pay. So make sure you understand the financial

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Speaker 2: responsibility involved. Keep on top of their health to avoid

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Speaker 2: major expenditures. Thanks for the question. Okay, Martitia, come in

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Speaker 2: with the realness. I mean, if preventative care is important,

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Speaker 2: so you know, keeping the dog healthy and groomed and

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Speaker 2: all that stuff, I guess it can save you money

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Speaker 2: down the line.

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Speaker 1: Yeah, I mean I'm not even you know, like you're right.

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Speaker 1: I mean I had a cat and even though like

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Speaker 1: I wasn't like super fancy because I didn't have any

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Speaker 1: money and I was a teenager, it was it was expensive.

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Speaker 1: I remember, I remember like having to like I wanted

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Speaker 1: to get her neutered Spade or I don't know, she

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Speaker 1: was a girl, so I don't know if there's a

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Speaker 1: difference between Spade and neuter, but yeah, and it was

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Speaker 1: like a few hundred dollars or a couple hundred dollars,

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Speaker 1: and like it was. I remember my dad really wanted

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Speaker 1: to teach me responsibility because I wanted a got so bad.

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Speaker 1: And I remember thinking, like and I got the cheap's

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Speaker 1: like no name, like whatever food. She haded that food

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Speaker 1: so much she went out. She was killing mice in

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Speaker 1: the in the in the the the forest we had

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Speaker 1: like we lived by like some woods. I'm like, oh,

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Speaker 1: so you sho just go ahead on and find your

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Speaker 1: own food. Huh all this good food I got for you?

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Speaker 1: So yeah, Like my poor cat did not even have

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Speaker 1: like you know how like cats have like the I

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Speaker 1: guess the litter box. Who had money for a little box?

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Speaker 1: I had one of the silver trays.

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Speaker 2: You know, I was thirty.

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Speaker 1: I didn't have any money. I was like, I'm gonna

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Speaker 1: get you one as soon as I say, with my

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Speaker 1: next allowance. So yeah, no, but I mean eventually, you know,

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Speaker 1: we upgraded her. But then she ran away to go

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Speaker 1: live with the neighbors, and I said, okay.

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Speaker 2: Well good bye, because she was living like a cat hobo.

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Speaker 2: She take pan. Oh my, was like, this is not

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Speaker 2: the American dream.

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Speaker 1: I remember she used to like literally run away for

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Speaker 1: like weeks, and we like, where did you go? It

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Speaker 1: turned out she was living with the names. I guess

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Speaker 1: she was trying them out. And then one day I

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Speaker 1: was walking by. I thought she ran away, and I

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Speaker 1: was like, well, what happens? And I walk by and

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Speaker 1: I hear her me out so familiar. I look in

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Speaker 1: the window and she's in the neighbor's house looking at

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Speaker 1: me like, just say, hi, girl, don't worry about me.

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Speaker 1: I'm good with a new collar and everything all inside

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Speaker 1: the house. Because my dad hated for her to be

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Speaker 1: like inside too much, I'd have to seek her in.

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Speaker 1: So I just said, you know what, you look like.

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Speaker 1: You look well fed, You look good, girl, You look good.

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Speaker 2: That's funny. That's brown ambition right there, cat ambition. She

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Speaker 2: got out of a bad situation.

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Speaker 1: She said, she upgraded her life. Yes, so it's time

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Speaker 1: fuck question Johns questions questions to begin? Any good questions?

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Speaker 1: Will we always get good questions?

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Speaker 2: Always? We have a few good questions this week? Which

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Speaker 2: one shall I pick my first victim?

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Speaker 1: Dun? Dun, dun.

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Speaker 2: How about this from a new listener. Her name is

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Speaker 2: I'm going to pronounce me to try and pronounce this.

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Speaker 2: It's a pretty name. Okay, She says, I'm a new

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Speaker 2: listener and I love the podcast. I have a loaded question,

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Speaker 2: but I'll try to simplify it. I'm a medical professional,

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Speaker 2: thirty four years old, earning approximately approximately one hundred and

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Speaker 2: twenty thousand dollars a year. I want to know if

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Speaker 2: a financial planner would be good for me. My goal

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Speaker 2: is to pay off my one hundred and twenty five

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Speaker 2: thousand dollars student loan debt and start saving for retirement.

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Speaker 2: But I have a few hurdles. I'm paying off two cars,

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Speaker 2: and I want to remodel my house soon. I'll also

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Speaker 2: be paying for my son's college tuition. Help where do

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Speaker 2: I start?

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Speaker 1: Can you list some of the things again that she

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Speaker 1: has financially.

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Speaker 2: So, she's a medical professional making one hundred and twenty

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Speaker 2: thousand dollars solid salary, and she wants to know if

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Speaker 2: she needs a financial planner. Basically, she has one hundred

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Speaker 2: and twenty five thousand dollars a student loan debt, but

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Speaker 2: at the same time she wants to start saving for

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Speaker 2: retirement and remodel her house. But in addition to having

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Speaker 2: that one hundred and twenty five thousand dollars student loan debt,

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Speaker 2: she also so has two cars apparently she's paying off.

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Speaker 2: I'm gonna guess maybe one belongs to her teenage son.

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Speaker 2: So she wants to know, well, a financial planner help

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Speaker 2: her kind of get a handle on things so she

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Speaker 2: feels like she's saving for the future and also paying

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Speaker 2: down her Debtah.

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Speaker 1: I mean, well, honestly, I think a financial a financial

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Speaker 1: professional is always a good idea, honestly because if you

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Speaker 1: have questions, I feel like, you know, I've been struggling

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Speaker 1: to find like the perfect one. Just because you can

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Speaker 1: make a lot of money, But it doesn't mean that

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Speaker 1: you don't need to just kind of tap someone on

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Speaker 1: the shoulder and ask for some professional advice, because to me,

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Speaker 1: it just sounds like you need someone to help organize

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Speaker 1: in what order do you want to put your financial priorities.

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Speaker 1: There's no judgment on that. It's just like asking kind

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Speaker 1: of like, well, what's most important and then putting it

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Speaker 1: in an order and then working on it in that

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Speaker 1: particular order based upon what you're what your goals are.

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Speaker 1: It sounds like to me that the least not I

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Speaker 1: want to say least important, but maybe least kind of

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Speaker 1: like urgent is the house renovation, because I'm assuming of

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Speaker 1: the cars, she's paying the car off or she's getting.

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Speaker 2: A fixed paying two cars off two and she wants

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Speaker 2: to start saving for her son's college. This is like

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Speaker 2: a classic example. I feel like what a lot of

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Speaker 2: people in their mid thirties are going through right now,

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Speaker 2: and she has a kid on top of it, is like,

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Speaker 2: I have this debt, but I also have my future

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Speaker 2: and I mean kid's future to figure out how do

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Speaker 2: I start? I think this is exactly this is exactly

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Speaker 2: when you'd want to bring in a financial professional because

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Speaker 2: I mean, we can sit here and try and help

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Speaker 2: you prioritize, but financial professional is actually going to look

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Speaker 2: at everything with your entire financial picture. And especially for me,

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Speaker 2: what's been nice for my financial planner is she helps me.

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Speaker 2: She helps give me perspective on She always reminds me

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Speaker 2: the reality of my finances and reminds you that I'm

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Speaker 2: not actually broke in destitute like I think I am

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Speaker 2: in my brain. And she also shows me how to

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Speaker 2: make the money work for me and how to strategically

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Speaker 2: shift priorities around. And you know, you may be overlooking

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Speaker 2: some methods or some options that you have to help

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Speaker 2: you pay off your debt or help you finance a

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Speaker 2: remodel of your house affordably that maybe a financial planner

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Speaker 2: can help you find those options that maybe you can't

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Speaker 2: you haven't been able to think about because you're juggling,

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Speaker 2: you know, so many things. So I think it's a

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Speaker 2: good idea.

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Speaker 1: I thought, you want to make sure that you're taking

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Speaker 1: care of your your your retirement, like I don't want

429
00:20:27,680 --> 00:20:30,280
Speaker 1: you to not have that that's critical.

430
00:20:30,800 --> 00:20:34,879
Speaker 2: Yes, and certainly saving for retirement before you you know,

431
00:20:34,920 --> 00:20:37,840
Speaker 2: put money away from your kid as typically advice, but

432
00:20:37,920 --> 00:20:41,320
Speaker 2: again financial professional, good idea. I found my planner through

433
00:20:41,560 --> 00:20:44,399
Speaker 2: x Y Planning Network which I think it's x Y

434
00:20:44,480 --> 00:20:46,280
Speaker 2: Planning Network dot com.

435
00:20:46,480 --> 00:20:47,240
Speaker 1: But google it.

436
00:20:47,720 --> 00:20:49,480
Speaker 2: I'll put a link to it in the show notes

437
00:20:49,480 --> 00:20:51,000
Speaker 2: if you want to check them out. That's where I

438
00:20:51,000 --> 00:20:53,880
Speaker 2: found my planning. I think their planner network. It's basically

439
00:20:53,880 --> 00:20:57,560
Speaker 2: a network of planners to specialize or who have experience

440
00:20:57,600 --> 00:21:00,400
Speaker 2: working with people in generation X or Y hence a name,

441
00:21:01,240 --> 00:21:03,679
Speaker 2: and you might be able to find someone there or

442
00:21:03,760 --> 00:21:06,080
Speaker 2: ask around to friends see if they have anyone they

443
00:21:06,119 --> 00:21:09,159
Speaker 2: could refer you to. As far, the best thing about

444
00:21:09,240 --> 00:21:11,320
Speaker 2: what I like about x Y Planning is the planners

445
00:21:11,320 --> 00:21:13,720
Speaker 2: there are fee only, so they typically charge a flat

446
00:21:13,760 --> 00:21:16,600
Speaker 2: monthly rate for their services and you don't have to

447
00:21:17,359 --> 00:21:19,760
Speaker 2: you know, you don't have to worry about hourly or

448
00:21:21,080 --> 00:21:24,520
Speaker 2: you know, getting some sort of percentage of your future

449
00:21:24,560 --> 00:21:28,919
Speaker 2: earnings tied to their pay. Their their fee only, fee based,

450
00:21:29,280 --> 00:21:33,000
Speaker 2: and they typically will charge maybe upfront for the financial

451
00:21:33,000 --> 00:21:35,400
Speaker 2: plan if you if you want one, or they'll give

452
00:21:35,400 --> 00:21:38,080
Speaker 2: you a flat rate for a conversation or some sort

453
00:21:38,119 --> 00:21:40,439
Speaker 2: of advice counseling session.

454
00:21:41,000 --> 00:21:41,440
Speaker 1: Mm hmm.

455
00:21:42,480 --> 00:21:43,359
Speaker 2: Thanks for your question.

456
00:21:43,840 --> 00:21:46,479
Speaker 1: That is a very good question. I wish more people,

457
00:21:47,480 --> 00:21:49,800
Speaker 1: you know, thought to seek outside help because I think

458
00:21:49,800 --> 00:21:51,760
Speaker 1: people feel like, as an adult, I should know, and

459
00:21:51,800 --> 00:21:53,439
Speaker 1: I'm like, no, well do you know how to speak Mandarin?

460
00:21:54,359 --> 00:21:56,240
Speaker 1: They're like no, I'm like exactly, because some one taught you.

461
00:21:56,320 --> 00:21:58,919
Speaker 1: So if someone didn't teach you, then you don't have

462
00:21:58,960 --> 00:22:01,639
Speaker 1: to know automatically. Seeking help is really a good idea

463
00:22:01,800 --> 00:22:03,600
Speaker 1: when it comes to your money.

464
00:22:04,200 --> 00:22:07,439
Speaker 2: CO sign one hundred percent. Okay, this last question, this

465
00:22:07,480 --> 00:22:10,359
Speaker 2: is specifically when I think TI if you can definitely answer.

466
00:22:11,119 --> 00:22:13,000
Speaker 2: It also comes from someone who says that she's been

467
00:22:13,000 --> 00:22:15,080
Speaker 2: stalking you for years. I think she means that in

468
00:22:15,080 --> 00:22:20,199
Speaker 2: a non creepy way. This anonymous listener says, I've been

469
00:22:20,240 --> 00:22:23,000
Speaker 2: stalking you for years. I really appreciate your transparency and

470
00:22:23,040 --> 00:22:27,960
Speaker 2: your journey due to life situations and unforeseen circumstances. She says,

471
00:22:27,960 --> 00:22:30,120
Speaker 2: I am back at a nine to five after being

472
00:22:30,160 --> 00:22:34,440
Speaker 2: an entrepreneur. This is really hard. My personalities, my personality

473
00:22:34,480 --> 00:22:37,439
Speaker 2: tests always say I'm an entrepreneur. My question is do

474
00:22:37,480 --> 00:22:40,080
Speaker 2: you have any suggestions on how I can adjust back

475
00:22:40,119 --> 00:22:42,399
Speaker 2: to nine to five life? What benefits do I need

476
00:22:42,440 --> 00:22:44,760
Speaker 2: to take advantage of from a company? Do I keep

477
00:22:44,760 --> 00:22:48,120
Speaker 2: my free healthcare or buy into the companies? Also? How

478
00:22:48,160 --> 00:22:51,680
Speaker 2: do I ignore my entrepreneurial or urges and just work.

479
00:22:51,800 --> 00:22:54,160
Speaker 2: It's so scary to think that this corner office will

480
00:22:54,200 --> 00:22:56,320
Speaker 2: be my space for a few years or more.

481
00:22:58,000 --> 00:23:00,560
Speaker 1: Well, I guess the question is do you have to?

482
00:23:01,160 --> 00:23:03,240
Speaker 1: I mean I didn't get more. Well, thanks first of

483
00:23:03,280 --> 00:23:07,640
Speaker 1: all for the lovely stalking. You know I don't mind it,

484
00:23:08,720 --> 00:23:11,640
Speaker 1: But I mean, so, here's the question is that I'm

485
00:23:11,680 --> 00:23:13,720
Speaker 1: not sure why you had to go back. Is it

486
00:23:13,760 --> 00:23:16,159
Speaker 1: because you're paying off debt? Is it because you know

487
00:23:16,240 --> 00:23:20,040
Speaker 1: your business maybe didn't do as well? So because it

488
00:23:20,119 --> 00:23:22,120
Speaker 1: might be the option. This is what I recently told

489
00:23:22,800 --> 00:23:26,719
Speaker 1: my sister because she's really wanting to. She styles me

490
00:23:27,560 --> 00:23:29,160
Speaker 1: and she like buys all my clothes, but she also

491
00:23:29,200 --> 00:23:31,760
Speaker 1: has been styling my friend's photo shoots. And she's really good.

492
00:23:32,040 --> 00:23:34,640
Speaker 1: She works really hard. It's not easy. It's not just hey,

493
00:23:34,640 --> 00:23:37,719
Speaker 1: where this. It's like going to the mall, buying and

494
00:23:37,760 --> 00:23:41,840
Speaker 1: putting together like sixteen different outfits, tagging them, taking picture

495
00:23:41,960 --> 00:23:45,199
Speaker 1: like it's a lot. And so she really wanting to

496
00:23:45,200 --> 00:23:47,280
Speaker 1: do this, and she's gotten opportunities. But she's got a

497
00:23:47,320 --> 00:23:51,280
Speaker 1: regular full time job, which is actually an alignment. She's

498
00:23:51,320 --> 00:23:55,360
Speaker 1: a buyer. But she's realizing she's at a cusp now

499
00:23:55,400 --> 00:23:58,200
Speaker 1: because she's getting opportunities that are happening more and more

500
00:23:58,320 --> 00:24:00,960
Speaker 1: during her full time job hours. And what I told

501
00:24:00,960 --> 00:24:03,120
Speaker 1: her was to get what I call a waitressing job,

502
00:24:03,800 --> 00:24:07,359
Speaker 1: it's not actually waitressing. Well, one thing I told her

503
00:24:07,400 --> 00:24:12,040
Speaker 1: is that she has to decrease her living expenses. And

504
00:24:12,119 --> 00:24:14,080
Speaker 1: so that's one of the things she's gonna do. She's

505
00:24:14,160 --> 00:24:16,960
Speaker 1: actually considered. I'm so sure she's listening, like all my business, Tiffany,

506
00:24:17,359 --> 00:24:21,000
Speaker 1: all of it. I told her. She's had her beautiful

507
00:24:21,000 --> 00:24:23,680
Speaker 1: apartment for like a number of years. She's going to

508
00:24:23,760 --> 00:24:26,560
Speaker 1: give that apartment up and look for something less expensive.

509
00:24:27,200 --> 00:24:28,720
Speaker 1: I told her. I even told her, like when me

510
00:24:28,840 --> 00:24:31,760
Speaker 1: and Superman to finish renovating because we have a second floor,

511
00:24:32,359 --> 00:24:34,520
Speaker 1: a bedroom with its own bathroom that she could stay

512
00:24:34,560 --> 00:24:37,000
Speaker 1: with us for a number of months and now have

513
00:24:37,040 --> 00:24:39,840
Speaker 1: to pay you in and save and in that time

514
00:24:40,000 --> 00:24:44,399
Speaker 1: of reducing her expenses finding that waitressing job, which is

515
00:24:44,520 --> 00:24:47,800
Speaker 1: just a it's just basically a gig, meaning a job

516
00:24:48,119 --> 00:24:52,040
Speaker 1: that pays the bills but allows you the flexibility to

517
00:24:52,480 --> 00:24:55,960
Speaker 1: go after your dream. And so that's what she's doing now.

518
00:24:56,000 --> 00:24:58,879
Speaker 1: So I'm asking that because I'm like, do you is

519
00:24:58,920 --> 00:25:00,560
Speaker 1: there a reason that you have to that have this

520
00:25:00,680 --> 00:25:03,479
Speaker 1: nine to five job? And if there is, then you

521
00:25:03,520 --> 00:25:05,840
Speaker 1: can still have an entrepreneurial spirit. Like look at Mandy,

522
00:25:06,200 --> 00:25:09,760
Speaker 1: you can still have an entrepreneurial spirit within your nine

523
00:25:09,800 --> 00:25:12,560
Speaker 1: to five. I don't think that you ought to kill

524
00:25:12,840 --> 00:25:15,679
Speaker 1: you know, your entrepreneur dream. It's just how can you

525
00:25:15,760 --> 00:25:18,159
Speaker 1: do that where you are? And you know, I know

526
00:25:18,200 --> 00:25:19,680
Speaker 1: what it's like not to have any insurance. I only

527
00:25:19,680 --> 00:25:22,360
Speaker 1: have insurance now because I'm married. But gobble it up.

528
00:25:22,520 --> 00:25:25,960
Speaker 1: I mean, like, get every teeth tooth clean, you know,

529
00:25:26,280 --> 00:25:28,080
Speaker 1: go to the guy, know goes through the eye doctor.

530
00:25:28,640 --> 00:25:33,240
Speaker 1: Just get everything done. But yeah, just consider figuring out

531
00:25:33,240 --> 00:25:34,479
Speaker 1: how to make the most of it, how to make

532
00:25:34,480 --> 00:25:36,280
Speaker 1: the job on your own if you must stay there,

533
00:25:36,640 --> 00:25:38,119
Speaker 1: and if you don't have to stay there and you

534
00:25:38,160 --> 00:25:42,080
Speaker 1: want to get back in the entrepreneur game, consider, reconsider

535
00:25:42,320 --> 00:25:45,040
Speaker 1: how you can find something that will allow you to

536
00:25:45,040 --> 00:25:45,480
Speaker 1: do both.

537
00:25:46,600 --> 00:25:48,520
Speaker 2: Yeah, and I hope that you found a job that

538
00:25:48,640 --> 00:25:52,560
Speaker 2: encourages entrepreneurial spirits and has ways to help you work

539
00:25:52,600 --> 00:25:55,200
Speaker 2: on special projects if you want to one thing, that

540
00:25:55,800 --> 00:25:58,720
Speaker 2: one thing that I've heard companies do and it's something

541
00:25:58,720 --> 00:26:00,560
Speaker 2: that I thought about doing for my team here, I'm

542
00:26:00,600 --> 00:26:02,800
Speaker 2: trying to as we get bigger and we're we're able

543
00:26:02,840 --> 00:26:05,240
Speaker 2: to have enough people on staff so people have more time.

544
00:26:05,720 --> 00:26:08,480
Speaker 2: Is to to tell your you know, tell people take

545
00:26:08,640 --> 00:26:10,520
Speaker 2: five percent of your day, like I don't know how

546
00:26:10,600 --> 00:26:12,520
Speaker 2: much with that percentage comes out to you, like half

547
00:26:12,520 --> 00:26:15,760
Speaker 2: an hour or something. And and think big like you know,

548
00:26:15,920 --> 00:26:18,560
Speaker 2: read read stories, think about a big idea, think about

549
00:26:18,600 --> 00:26:21,480
Speaker 2: a big project that you'd like to see happen. And

550
00:26:21,520 --> 00:26:23,439
Speaker 2: then once a month or to give them an opportunity

551
00:26:23,440 --> 00:26:25,840
Speaker 2: to pitch an idea for something they'd like to own.

552
00:26:26,240 --> 00:26:28,040
Speaker 2: And maybe if you're at a company like that, you

553
00:26:28,080 --> 00:26:30,240
Speaker 2: can start looking for ways. I mean you're just settling

554
00:26:30,240 --> 00:26:32,280
Speaker 2: into a new job, but start looking for ways that

555
00:26:32,320 --> 00:26:34,680
Speaker 2: maybe you can scratch that itch of wanting to own

556
00:26:34,720 --> 00:26:37,760
Speaker 2: your own project or lead your own team. But you know,

557
00:26:37,880 --> 00:26:39,520
Speaker 2: only you can figure out if it's going to be

558
00:26:39,560 --> 00:26:41,720
Speaker 2: a good fit for you long term. And I don't

559
00:26:41,840 --> 00:26:43,800
Speaker 2: you know, you definitely don't want to, you know, wake

560
00:26:43,880 --> 00:26:45,720
Speaker 2: up a few years from now and then really regret

561
00:26:46,119 --> 00:26:49,200
Speaker 2: giving up on, you know, a business idea that you had,

562
00:26:49,320 --> 00:26:52,040
Speaker 2: or or a business that you had that you struggle

563
00:26:52,119 --> 00:26:55,560
Speaker 2: to get off the ground. Keep keep at it. Like

564
00:26:55,680 --> 00:26:57,359
Speaker 2: I mean, Tiff, I think how long did it take

565
00:26:57,440 --> 00:26:59,760
Speaker 2: you to get budget needs to to like a profitable

566
00:26:59,760 --> 00:27:02,879
Speaker 2: place where you could say, Okay, this business is gonna

567
00:27:03,000 --> 00:27:05,640
Speaker 2: feed my family for years to come. It takes a while,

568
00:27:05,640 --> 00:27:05,960
Speaker 2: all right.

569
00:27:06,480 --> 00:27:10,000
Speaker 1: Yeah, So, like I actually registered the Budgetee in two

570
00:27:10,040 --> 00:27:12,600
Speaker 1: thousand and eight, did nothing for like really two years.

571
00:27:12,640 --> 00:27:14,440
Speaker 1: Well two and eight, I did nothing. Two thousand and

572
00:27:14,480 --> 00:27:16,440
Speaker 1: nine I volunteered a lot just to figure out what

573
00:27:16,520 --> 00:27:19,200
Speaker 1: was I even delivering. Twenty ten I started to get

574
00:27:19,240 --> 00:27:21,160
Speaker 1: I'm serious, And that's when I was making about five

575
00:27:21,200 --> 00:27:24,800
Speaker 1: thousand dollars a year. But the bugisa so twenty ten nothing,

576
00:27:24,880 --> 00:27:29,280
Speaker 1: twenty eleven nothing, twelve nothing, thirteen, Hey, I can pay

577
00:27:29,760 --> 00:27:32,480
Speaker 1: this five hundred dollars a month room that I'm renting

578
00:27:33,440 --> 00:27:37,000
Speaker 1: twenty fourteen, you know a little bit better. It really

579
00:27:37,000 --> 00:27:41,439
Speaker 1: didn't start making a decent amount of money until I

580
00:27:41,440 --> 00:27:44,439
Speaker 1: would say twenty sixteen, when I was like, okay, I

581
00:27:44,440 --> 00:27:46,600
Speaker 1: think I was like in the either the low six

582
00:27:46,680 --> 00:27:50,160
Speaker 1: figures or high five figures, so not a tremendous amount

583
00:27:50,200 --> 00:27:52,520
Speaker 1: of money. And then it started to do you know better,

584
00:27:52,560 --> 00:27:54,520
Speaker 1: Now we're now we're seven figure. We were seven figures

585
00:27:54,600 --> 00:27:57,280
Speaker 1: last year, double that this year, still seven figures and

586
00:27:57,320 --> 00:28:00,320
Speaker 1: on tasks to be eight figures in two thousand and nine. Team.

587
00:28:00,359 --> 00:28:04,400
Speaker 1: But think about that, that's like what six years of

588
00:28:04,520 --> 00:28:08,800
Speaker 1: like not really making enough, and you know, so it's

589
00:28:08,960 --> 00:28:11,240
Speaker 1: and it's not abnormal. Honestly, I have so many friends

590
00:28:11,240 --> 00:28:13,960
Speaker 1: who are entrepreneurs, and it's the only thing, honestly that

591
00:28:14,040 --> 00:28:16,280
Speaker 1: kept me going because I thought maybe something's wrong with me,

592
00:28:16,320 --> 00:28:18,760
Speaker 1: because you read all these stories about people who grew

593
00:28:18,760 --> 00:28:21,879
Speaker 1: a billion dollar business in six months. But when you

594
00:28:21,920 --> 00:28:24,680
Speaker 1: speak to like regular day to day entrepreneurs, you start

595
00:28:24,720 --> 00:28:26,679
Speaker 1: to realize that that's part of the journey. But you

596
00:28:26,760 --> 00:28:29,560
Speaker 1: learn to find the joy in the journey. So even

597
00:28:29,600 --> 00:28:32,119
Speaker 1: when I wasn't making a lot, it wasn't just about

598
00:28:32,119 --> 00:28:34,960
Speaker 1: that I was trying to create something that was going

599
00:28:35,000 --> 00:28:37,960
Speaker 1: to help women, so I and living simply didn't bother

600
00:28:38,040 --> 00:28:40,040
Speaker 1: me because I'd lost everything during the recession anyway, So

601
00:28:40,080 --> 00:28:42,080
Speaker 1: I'm like, I've been broke, broke, this is this has

602
00:28:42,120 --> 00:28:44,600
Speaker 1: broke light. You know, at least I have a room

603
00:28:44,760 --> 00:28:47,080
Speaker 1: versus like sleeping with my parents in my parents' house.

604
00:28:48,200 --> 00:28:53,320
Speaker 1: So yeah, I finding something that can you could keep

605
00:28:53,360 --> 00:28:56,800
Speaker 1: pushing even during the rough times. It is critical when

606
00:28:56,840 --> 00:28:59,400
Speaker 1: it comes to entrepreneurship, if you ask me, But yeah,

607
00:28:59,480 --> 00:29:01,560
Speaker 1: it can certainly take their people ten years in that

608
00:29:01,600 --> 00:29:04,320
Speaker 1: are still struggling and they don't give up because they

609
00:29:04,320 --> 00:29:06,520
Speaker 1: really believe in their vision. You know, the guy what

610
00:29:06,600 --> 00:29:11,320
Speaker 1: is that, Oh, a Kickstarter? This is great. I forget

611
00:29:11,360 --> 00:29:14,880
Speaker 1: the gentleman's name that started it. It like he didn't

612
00:29:14,880 --> 00:29:16,960
Speaker 1: even get started for eight years. He worked on the

613
00:29:16,960 --> 00:29:22,320
Speaker 1: website eight years before he even launched. Can you imagine

614
00:29:22,360 --> 00:29:24,840
Speaker 1: eight years and then he launched kickstarter and then it

615
00:29:24,880 --> 00:29:28,680
Speaker 1: did well, But eight years of just driving things down

616
00:29:28,720 --> 00:29:31,800
Speaker 1: on a piece of paper. So just know that, you know,

617
00:29:31,920 --> 00:29:34,720
Speaker 1: that's part of the journey sometimes for some people, for

618
00:29:34,800 --> 00:29:35,400
Speaker 1: many people.

619
00:29:35,840 --> 00:29:38,960
Speaker 2: That reminds me of Ava Duvernet, who she like was

620
00:29:39,000 --> 00:29:41,360
Speaker 2: doing a Twitter thread recently and she talked about how

621
00:29:41,400 --> 00:29:43,160
Speaker 2: she didn't do her first movie until she was well

622
00:29:43,160 --> 00:29:45,920
Speaker 2: into her thirties and really only found success now she's

623
00:29:45,960 --> 00:29:47,680
Speaker 2: in her forties and she's kind of a household name.

624
00:29:47,680 --> 00:29:50,880
Speaker 2: But it took took a while. I gobble stories like

625
00:29:50,920 --> 00:29:54,000
Speaker 2: that up just to get through, Like even through my twenties.

626
00:29:54,000 --> 00:29:56,160
Speaker 2: I was like, please tell me someone else, you know,

627
00:29:56,640 --> 00:29:59,520
Speaker 2: he hasn't had to figure it out either. And I

628
00:29:59,560 --> 00:30:02,480
Speaker 2: would say, I definitely have an entrepreneurial spirit, and yet

629
00:30:02,480 --> 00:30:05,040
Speaker 2: I'm at a corporation. I'm a nine to fiver. But

630
00:30:05,080 --> 00:30:08,240
Speaker 2: I'll tell you how why I'm happy and perfectly content

631
00:30:08,280 --> 00:30:10,880
Speaker 2: where I am. And it's one I'm able. I have

632
00:30:10,960 --> 00:30:13,040
Speaker 2: the flexibility to launch something of my own with this

633
00:30:13,120 --> 00:30:15,560
Speaker 2: podcast a few years ago, and you know, my company

634
00:30:15,560 --> 00:30:17,440
Speaker 2: has supported that and let me continue doing This is

635
00:30:17,480 --> 00:30:21,120
Speaker 2: my baby, our baby, and this is entirely our own

636
00:30:21,160 --> 00:30:22,960
Speaker 2: independent projects, and I've been able to do that on

637
00:30:23,000 --> 00:30:26,880
Speaker 2: the side. Also, I found that working for a startup

638
00:30:26,960 --> 00:30:28,640
Speaker 2: really scratched that itch for me because it made me

639
00:30:28,720 --> 00:30:31,280
Speaker 2: feel like I was no. I wasn't the entrepreneur, the

640
00:30:31,320 --> 00:30:33,320
Speaker 2: co founder of the company, but I came in I

641
00:30:33,360 --> 00:30:35,480
Speaker 2: was like employee number four, and I was an integral

642
00:30:35,560 --> 00:30:39,400
Speaker 2: part of growing the company, getting us acquired had equity.

643
00:30:39,800 --> 00:30:42,000
Speaker 2: I felt like I was a part of growing something

644
00:30:42,040 --> 00:30:44,400
Speaker 2: and building something, and I continued to feel that way. So,

645
00:30:45,040 --> 00:30:46,440
Speaker 2: you know, if you're out there and you want the

646
00:30:46,480 --> 00:30:49,440
Speaker 2: sustainability of a nine to five, but maybe something that

647
00:30:49,480 --> 00:30:53,040
Speaker 2: also lends itself to entrepreneurialism, working for a smaller startup

648
00:30:53,920 --> 00:30:56,320
Speaker 2: in a growing industry is one way to do it.

649
00:30:56,360 --> 00:30:58,000
Speaker 2: And I'm not going to lie to you and pretend

650
00:30:58,000 --> 00:30:59,440
Speaker 2: like I had it all figured out and I was

651
00:30:59,480 --> 00:31:01,280
Speaker 2: completely sure it was all going to work out for

652
00:31:01,320 --> 00:31:03,640
Speaker 2: me when I joined the startup that I did a

653
00:31:03,640 --> 00:31:05,760
Speaker 2: couple of years ago. I mean, I was sweating a

654
00:31:05,880 --> 00:31:09,320
Speaker 2: hord hord horde for a while a while, but I

655
00:31:09,320 --> 00:31:11,920
Speaker 2: took the I took the leap and luckily it worked out,

656
00:31:11,960 --> 00:31:14,840
Speaker 2: but that it definitely made me feel like a bit

657
00:31:15,160 --> 00:31:16,840
Speaker 2: it scratched that it's for me of like a little

658
00:31:16,840 --> 00:31:19,720
Speaker 2: bit of riskiness, but still you know, able to put

659
00:31:19,760 --> 00:31:23,200
Speaker 2: food on the table, and I'm fortunate that that's been

660
00:31:23,240 --> 00:31:25,280
Speaker 2: working out for me. And I hope that you've I

661
00:31:25,280 --> 00:31:26,920
Speaker 2: hope that you're at a place at least where you

662
00:31:26,960 --> 00:31:28,680
Speaker 2: feel like you can spread your wings a little bit

663
00:31:29,040 --> 00:31:33,880
Speaker 2: and still be entrepreneurial, even though it's not the maybe

664
00:31:33,920 --> 00:31:36,080
Speaker 2: the vision you had of your of your career at

665
00:31:36,120 --> 00:31:39,600
Speaker 2: this point in time. But hang in there. Thank you

666
00:31:39,640 --> 00:31:41,960
Speaker 2: for your question, good questions.

667
00:31:42,000 --> 00:31:45,000
Speaker 1: These are are questions. That's the new one.

668
00:31:45,440 --> 00:31:47,480
Speaker 2: I like that Save it again.

669
00:31:48,600 --> 00:31:52,280
Speaker 1: I don't even know these are questions. It's it's the

670
00:31:52,360 --> 00:31:55,640
Speaker 1: Usher song, but I don't know the rest of the words.

671
00:31:54,520 --> 00:31:58,920
Speaker 2: There's not enough syllables in questions. That song is called Confessions.

672
00:31:59,360 --> 00:32:05,560
Speaker 1: I know. Oh, I'm turning into my father, messing up. Well,

673
00:32:05,600 --> 00:32:10,240
Speaker 1: you're probably too young. But there's a song called from Madonna, Papa,

674
00:32:10,280 --> 00:32:14,320
Speaker 1: don't preach. You know that song? I mean, yes, well

675
00:32:14,320 --> 00:32:19,040
Speaker 1: you know you I mean girls. Right. So meanwhile, when

676
00:32:19,040 --> 00:32:21,360
Speaker 1: I was a kid, my dad was like, oh, I

677
00:32:21,480 --> 00:32:23,840
Speaker 1: like that song by dad Madonna. And I'm like, oh

678
00:32:23,880 --> 00:32:28,080
Speaker 1: what he said, you know this song copper tone I

679
00:32:28,200 --> 00:32:31,400
Speaker 1: mean love. I'm like, wait, what, excuse me? What's sir?

680
00:32:31,840 --> 00:32:35,640
Speaker 1: This man said copper tone cream. And it's clear by

681
00:32:35,680 --> 00:32:37,800
Speaker 1: the way that I butcher songs. I am his daughter

682
00:32:37,840 --> 00:32:42,680
Speaker 1: and I'm becoming him copper tone cream.

683
00:32:43,200 --> 00:32:45,120
Speaker 2: He thought it was a nice jingle for some sunscreen.

684
00:32:45,520 --> 00:32:47,480
Speaker 2: You need to do that story worse for your dad's

685
00:32:47,480 --> 00:32:49,640
Speaker 2: stat I need to hear his story.

686
00:32:49,600 --> 00:32:51,360
Speaker 1: Ye, I do, I do. I am gonna do it

687
00:32:51,360 --> 00:32:54,560
Speaker 1: because I'm like yes, because these stories are amazing copper

688
00:32:54,600 --> 00:32:56,840
Speaker 1: tone cream. I'll never forget he was singing it like

689
00:32:57,040 --> 00:33:00,960
Speaker 1: just with joy during his heart and and just sureness

690
00:33:00,960 --> 00:33:02,200
Speaker 1: and confidence in his voice.

691
00:33:02,440 --> 00:33:05,840
Speaker 2: Oh damn. Okay, Well, you guys can send us your

692
00:33:06,720 --> 00:33:11,120
Speaker 2: confessions or questions at Brian Ambition Podcasts at gmail dot com,

693
00:33:12,160 --> 00:33:15,440
Speaker 2: or hit us up at Brianambision podcast dot com. Ask

694
00:33:15,520 --> 00:33:17,400
Speaker 2: us Okay, I was.

695
00:33:17,960 --> 00:33:18,440
Speaker 1: I can ed.

696
00:33:18,720 --> 00:33:22,200
Speaker 2: I can edit out those awkward pauses. It's okay, thank you,

697
00:33:22,280 --> 00:33:23,120
Speaker 2: don't through the jingle.

698
00:33:24,240 --> 00:33:26,120
Speaker 1: Wait is that for me? Dot com? Yeah?

699
00:33:26,440 --> 00:33:28,280
Speaker 2: I mean you started us. You almost like create the

700
00:33:28,320 --> 00:33:30,400
Speaker 2: problem for me. I feel like whenever I say dot com,

701
00:33:30,400 --> 00:33:34,200
Speaker 2: I gotta wait, give you a give you an opening anyhow,

702
00:33:34,320 --> 00:33:38,040
Speaker 2: Brianimission podcast dot com. Ask us anything, Send us your questions,

703
00:33:38,080 --> 00:33:41,120
Speaker 2: send us your holiday stories, send us your what you're

704
00:33:41,120 --> 00:33:43,280
Speaker 2: grateful for this year? Maybe that's a good prompt for

705
00:33:43,400 --> 00:33:47,200
Speaker 2: next next episode. What are you grateful for in twenty eighteen?

706
00:33:47,800 --> 00:33:50,520
Speaker 2: Start thinking about what you want for yourself in twenty nineteen.

707
00:33:50,920 --> 00:33:53,440
Speaker 2: We want to hear from you. What's Oh, we're not

708
00:33:53,440 --> 00:33:54,080
Speaker 2: done yet.

709
00:33:54,680 --> 00:33:59,800
Speaker 1: My bad brown boots, brown break, brown boots, bown break.

710
00:34:00,560 --> 00:34:03,360
Speaker 1: I'm ready, you know. Actually, I think I'm gonna do

711
00:34:03,360 --> 00:34:06,360
Speaker 1: a boostand and break, just like a really short one.

712
00:34:06,360 --> 00:34:09,040
Speaker 1: So I'm just gonna take a break from cooking for

713
00:34:09,640 --> 00:34:16,160
Speaker 1: Thanksgiving because one I don't I know, but it I

714
00:34:16,239 --> 00:34:18,239
Speaker 1: know because I'm just like, I'm tired of the judgment that,

715
00:34:18,360 --> 00:34:21,320
Speaker 1: you know, because I get it the old school mama,

716
00:34:21,480 --> 00:34:23,680
Speaker 1: you know, she did the whole spread and made everything

717
00:34:23,719 --> 00:34:27,720
Speaker 1: herself and slaves all day in the kitchen. And meanwhile

718
00:34:27,760 --> 00:34:31,279
Speaker 1: I'm down at the at Vanda's like, hey, Vonda. She

719
00:34:31,360 --> 00:34:33,520
Speaker 1: actually because I waited till last minute. So Wanda is

720
00:34:33,520 --> 00:34:35,440
Speaker 1: a friend of mine who owns a soul food restaurant

721
00:34:35,480 --> 00:34:37,680
Speaker 1: in Newark. I waited till last minute. I was like, ooh,

722
00:34:37,840 --> 00:34:39,759
Speaker 1: can I get a turkey for She's like, oh, girl,

723
00:34:39,800 --> 00:34:42,120
Speaker 1: we went out turkeys. I said, well I have. If

724
00:34:42,120 --> 00:34:44,240
Speaker 1: I bring the turkey, can you cook it? Can you imagine?

725
00:34:44,280 --> 00:34:46,320
Speaker 1: And that's exactly what my parents are eating and my

726
00:34:46,320 --> 00:34:48,520
Speaker 1: my siblings we are going to eat a Vonda cooked

727
00:34:48,800 --> 00:34:52,080
Speaker 1: turkey from her delicious restaurant and one that I am

728
00:34:52,120 --> 00:34:53,839
Speaker 1: getting and bringing to her.

729
00:34:54,280 --> 00:34:56,160
Speaker 2: It's nice to have a friend in the business.

730
00:34:57,560 --> 00:34:59,560
Speaker 1: No, because she's well, she's actually she's cooking, like you know,

731
00:34:59,600 --> 00:35:02,920
Speaker 1: part of during the soul food restaurants tend to like,

732
00:35:02,920 --> 00:35:05,920
Speaker 1: you know, they're making dinners for Thanksgiving for people. But

733
00:35:05,960 --> 00:35:07,759
Speaker 1: it just so I was just making a normal order.

734
00:35:08,200 --> 00:35:09,960
Speaker 1: And so when she was like, well, we ran out

735
00:35:10,000 --> 00:35:11,560
Speaker 1: of turkeys, I was like, well, what if I bring one?

736
00:35:12,600 --> 00:35:14,960
Speaker 1: Because I was like, I already told my mother I

737
00:35:15,000 --> 00:35:18,560
Speaker 1: was providing the turkey. So she said, okay, So that's

738
00:35:18,600 --> 00:35:21,800
Speaker 1: my break from cooking for Thanksgiving, although I do not cook,

739
00:35:22,000 --> 00:35:24,280
Speaker 1: maybe from non cooking judgment.

740
00:35:24,560 --> 00:35:27,439
Speaker 2: Listen, just to break. Just to add into this, Whole

741
00:35:27,440 --> 00:35:30,879
Speaker 2: Foods does a catered Thanksgiving dinner. I got the most

742
00:35:30,880 --> 00:35:33,719
Speaker 2: delicious pie at Sam's Club for eight ninety nine that

743
00:35:33,719 --> 00:35:35,560
Speaker 2: could have fed a small army, and I brought that

744
00:35:35,600 --> 00:35:37,640
Speaker 2: to you like a friend. I brought that to Friendsgiving

745
00:35:37,640 --> 00:35:39,680
Speaker 2: because I don't have a kitchen right now. Please, I

746
00:35:39,719 --> 00:35:42,880
Speaker 2: wasn't going to cook anything, so shortcuts are okay. Everyone

747
00:35:42,920 --> 00:35:44,600
Speaker 2: loved that pie. You know what, people don't even eat

748
00:35:44,600 --> 00:35:47,400
Speaker 2: all the pie anyway, Like why slaves? No one I

749
00:35:47,440 --> 00:35:49,200
Speaker 2: think people ate like a fraction of that pie that

750
00:35:49,239 --> 00:35:51,480
Speaker 2: I brought. I didn't care because it was eight ninety nine,

751
00:35:51,600 --> 00:35:52,839
Speaker 2: didn't cost me any trouble back.

752
00:35:53,600 --> 00:35:55,640
Speaker 1: Exactly, I'm gonna I'm gonna buy it. I like. I honestly,

753
00:35:55,640 --> 00:35:58,440
Speaker 1: I really do like Whole Foods pie. So tomorrow in

754
00:35:58,480 --> 00:36:00,840
Speaker 1: the morning, I'm gonna get my Whole Foods on because

755
00:36:01,000 --> 00:36:02,440
Speaker 1: we go to my parents and then we go to

756
00:36:03,640 --> 00:36:06,960
Speaker 1: a superman's sister's house and so she was like, bring pies.

757
00:36:07,080 --> 00:36:10,920
Speaker 1: I was like, gotch girl. And then my boost. Did

758
00:36:10,920 --> 00:36:12,560
Speaker 1: I tell you about my student loans?

759
00:36:13,040 --> 00:36:15,040
Speaker 2: No, wait, I'm not in a while. We haven't heard

760
00:36:15,080 --> 00:36:16,120
Speaker 2: about them in a while.

761
00:36:16,480 --> 00:36:19,680
Speaker 1: So, you know, so I'd gotten some of them forgiven,

762
00:36:20,320 --> 00:36:22,200
Speaker 1: but I still had like a you know, a lump

763
00:36:22,280 --> 00:36:25,160
Speaker 1: sum like cause I had fifty three thousand dollars worth

764
00:36:25,160 --> 00:36:27,719
Speaker 1: of student loans and I was eligible for I think

765
00:36:27,800 --> 00:36:31,239
Speaker 1: like seventeen thousands of got to be forgiven. Well, I

766
00:36:31,239 --> 00:36:34,839
Speaker 1: am happy to report I have paid off the ballance.

767
00:36:36,480 --> 00:36:38,360
Speaker 2: And so the first wait, I need like a little

768
00:36:38,360 --> 00:36:40,440
Speaker 2: like I don't know what I need. I need a

769
00:36:40,480 --> 00:36:41,000
Speaker 2: sound effect.

770
00:36:42,280 --> 00:36:46,000
Speaker 1: So since the first time since I was seventeen, I

771
00:36:46,040 --> 00:36:48,239
Speaker 1: am completely dead free because when I was seventeen, I

772
00:36:48,239 --> 00:36:50,759
Speaker 1: took out my first student loan and then I paid

773
00:36:50,760 --> 00:36:53,360
Speaker 1: it off. But then I then like kind of crossover,

774
00:36:53,400 --> 00:36:55,680
Speaker 1: I got my got student loans for my master's. My

775
00:36:55,760 --> 00:36:58,600
Speaker 1: undergrad was I didn't take out much money because I commuted,

776
00:36:58,640 --> 00:37:00,600
Speaker 1: so I think I had I don't know, like maybe

777
00:37:00,640 --> 00:37:03,080
Speaker 1: like just a few thousand dollars. So I paid that off,

778
00:37:03,480 --> 00:37:06,400
Speaker 1: got my master's, another student loan, then got a condo,

779
00:37:07,000 --> 00:37:08,799
Speaker 1: then got into credit card debt, and so you know,

780
00:37:08,880 --> 00:37:11,160
Speaker 1: it was one thing after another, and I have not

781
00:37:11,239 --> 00:37:14,160
Speaker 1: been debt free since I was seventeen. Maybe there was

782
00:37:14,200 --> 00:37:17,759
Speaker 1: like a month or two maybe between student loans, but

783
00:37:18,400 --> 00:37:20,960
Speaker 1: now because I had a condo, so it just feels

784
00:37:20,960 --> 00:37:24,600
Speaker 1: really good. It feels good like I'm debt free. I

785
00:37:24,600 --> 00:37:26,640
Speaker 1: mean not for long, because Superman and I are going

786
00:37:26,719 --> 00:37:28,480
Speaker 1: to have to take out like a construction loan for

787
00:37:28,520 --> 00:37:31,480
Speaker 1: the second property we bought, but still at least for

788
00:37:31,480 --> 00:37:34,399
Speaker 1: the next I want to say six months, I am

789
00:37:34,520 --> 00:37:36,640
Speaker 1: debt free. I don't own any credit card debt I

790
00:37:36,640 --> 00:37:39,120
Speaker 1: paid off in full every month, no student loan debt,

791
00:37:39,440 --> 00:37:42,160
Speaker 1: we don't have any mortgages. My car's paid off in full.

792
00:37:42,800 --> 00:37:45,120
Speaker 1: I feel like I feel like fifteen again.

793
00:37:45,520 --> 00:37:48,160
Speaker 2: I know, no, congratulations, thank you.

794
00:37:48,200 --> 00:37:49,480
Speaker 1: I would have never thought so. For those of you

795
00:37:49,560 --> 00:37:51,680
Speaker 1: who are like, I'm so broke. At one point, I

796
00:37:51,719 --> 00:37:54,080
Speaker 1: was saving five dollars a month. That's how broke I was.

797
00:37:54,160 --> 00:37:57,560
Speaker 1: So it is possible to dig yourself out of the

798
00:37:57,600 --> 00:38:02,480
Speaker 1: ditch of debt, and and you know financial just like

799
00:38:02,600 --> 00:38:07,479
Speaker 1: you know dark places, it is possible, and so yeah, yeah,

800
00:38:07,600 --> 00:38:09,200
Speaker 1: I mean, I'm just like, well, I don't even feel

801
00:38:09,239 --> 00:38:11,440
Speaker 1: real because I've been broke. I'm so broke for so long.

802
00:38:11,480 --> 00:38:13,319
Speaker 1: I'm not gonna lie. I still feel broke. It's not

803
00:38:13,440 --> 00:38:15,920
Speaker 1: not broke, like I know that we're not broke, but

804
00:38:15,960 --> 00:38:20,840
Speaker 1: I don't feel like super secure, like we're good. I

805
00:38:20,840 --> 00:38:25,759
Speaker 1: feel like any day now, any day now. But yeah,

806
00:38:25,840 --> 00:38:27,200
Speaker 1: I'm just like I said, that's why I paid off

807
00:38:27,239 --> 00:38:29,279
Speaker 1: all the day because it probably wasn't the wisest I

808
00:38:29,320 --> 00:38:31,000
Speaker 1: probably should have invested it and all that other kind

809
00:38:31,000 --> 00:38:34,040
Speaker 1: of stuff. But part of me is also like, I like, knowing.

810
00:38:34,120 --> 00:38:37,400
Speaker 2: Peace of mind is worth something. How my financial planner

811
00:38:37,440 --> 00:38:39,600
Speaker 2: told me that too. She was like, maybe it doesn't

812
00:38:39,640 --> 00:38:41,399
Speaker 2: make sense to pay off your student loans when well

813
00:38:41,560 --> 00:38:43,479
Speaker 2: and one fell swoop. This is back when we're paying

814
00:38:43,480 --> 00:38:45,840
Speaker 2: off my husband's but she said, if it's going to

815
00:38:45,880 --> 00:38:47,680
Speaker 2: help you sleep better, it is valuable.

816
00:38:48,560 --> 00:38:50,400
Speaker 1: It is because I just wanted to know that, like

817
00:38:50,560 --> 00:38:53,840
Speaker 1: my and honestly, Superman was like I want like he

818
00:38:53,960 --> 00:38:55,560
Speaker 1: wants to know, and I want to know that, like

819
00:38:55,960 --> 00:38:59,680
Speaker 1: even if everything goes away, that we can afford our life.

820
00:38:59,719 --> 00:39:02,600
Speaker 1: Like if I if the Budgetnista and the Literature Academy

821
00:39:02,640 --> 00:39:04,879
Speaker 1: everything were to like go to hell in a hand

822
00:39:04,920 --> 00:39:07,960
Speaker 1: bastic basket, you would never know because I would still

823
00:39:08,000 --> 00:39:09,920
Speaker 1: be wearing my same target clothes. I would still be

824
00:39:10,000 --> 00:39:13,000
Speaker 1: driving my twenty sixteen car that I you know, I

825
00:39:13,080 --> 00:39:17,680
Speaker 1: bought used. I would still like it, like life wouldn't change,

826
00:39:17,920 --> 00:39:21,000
Speaker 1: and so and that's what I'm wanting that, like how

827
00:39:21,040 --> 00:39:24,040
Speaker 1: we live life is not based upon like whether or

828
00:39:24,040 --> 00:39:26,719
Speaker 1: not the business is super successful. It's as long as

829
00:39:26,800 --> 00:39:29,600
Speaker 1: I'm you know, we are doing mildly well, we'll be

830
00:39:29,640 --> 00:39:32,200
Speaker 1: able to maintain our lifestyle, which is fairly simple because

831
00:39:32,400 --> 00:39:34,600
Speaker 1: I'm not moved by those things anymore because I've lost

832
00:39:34,640 --> 00:39:37,960
Speaker 1: them and I know that you know, they can be taken,

833
00:39:38,080 --> 00:39:40,439
Speaker 1: and it doesn't mean that much to me. It's really

834
00:39:40,480 --> 00:39:44,439
Speaker 1: like family. Honestly, that means the most and friends. So yeah,

835
00:39:44,520 --> 00:39:47,160
Speaker 1: I'm mixed. But I'm happy though, to be debt free

836
00:39:47,200 --> 00:39:47,600
Speaker 1: for now.

837
00:39:48,280 --> 00:39:51,520
Speaker 2: That's amazing. Meanwhile, I am just digging myself into a

838
00:39:51,520 --> 00:39:54,440
Speaker 2: little bit of a hole over here. I'm becoming very

839
00:39:54,520 --> 00:39:56,840
Speaker 2: acquainted with debt. But I'm I was actually going to

840
00:39:56,920 --> 00:39:57,680
Speaker 2: do a boost about it.

841
00:39:57,719 --> 00:39:59,919
Speaker 1: Are you? Are you? God? Yeah? I am gone?

842
00:40:00,160 --> 00:40:01,680
Speaker 2: Yeah, yeah, so good segue.

843
00:40:02,280 --> 00:40:02,880
Speaker 1: Yeah. Credit.

844
00:40:02,920 --> 00:40:04,560
Speaker 2: I talked a little bit about the way that we're

845
00:40:04,640 --> 00:40:06,840
Speaker 2: using credit cards for a home renovation, and I'm like,

846
00:40:07,040 --> 00:40:09,200
Speaker 2: kind of I'm like feeling myself with my credit card

847
00:40:09,239 --> 00:40:12,560
Speaker 2: strategy lately. I have to say I'm glad that I

848
00:40:12,600 --> 00:40:15,479
Speaker 2: waited until now to start. I really was anti credit

849
00:40:15,560 --> 00:40:17,319
Speaker 2: card for a long time. I really only started using

850
00:40:17,360 --> 00:40:21,080
Speaker 2: credit cards consistently for all my spending. I only really

851
00:40:21,080 --> 00:40:24,880
Speaker 2: felt comfortable doing that probably two years ago. I started

852
00:40:24,880 --> 00:40:28,160
Speaker 2: doing that. And you have to be really diligent, because

853
00:40:28,200 --> 00:40:30,000
Speaker 2: I have to make sure I set my own budget

854
00:40:30,000 --> 00:40:31,480
Speaker 2: in my head for how much we can afford to

855
00:40:31,480 --> 00:40:34,239
Speaker 2: spend each month on our credit cards, because only then

856
00:40:34,440 --> 00:40:36,239
Speaker 2: will it actually make sense for us to try and

857
00:40:36,239 --> 00:40:38,120
Speaker 2: get these rewards if we can afford to pay them

858
00:40:38,120 --> 00:40:40,640
Speaker 2: off in full. Otherwise you're just paying interest and blah

859
00:40:40,640 --> 00:40:42,120
Speaker 2: blah blah. You guys listen to the show, you know

860
00:40:42,160 --> 00:40:46,280
Speaker 2: those things. Anyway, So recently, you know, with the home renovation,

861
00:40:46,480 --> 00:40:48,400
Speaker 2: we've everything that we paid for cash. You know, we

862
00:40:48,480 --> 00:40:51,239
Speaker 2: paid for all the renovation cash and we even paid

863
00:40:51,280 --> 00:40:53,880
Speaker 2: for we got Actually, we actually found paying cash for

864
00:40:53,960 --> 00:40:56,319
Speaker 2: home renovation can actually help you save money.

865
00:40:57,040 --> 00:40:58,719
Speaker 1: We saved like fifteen.

866
00:40:58,520 --> 00:41:01,279
Speaker 2: Hundred dollars on our countertop by paying cash for them.

867
00:41:01,400 --> 00:41:02,200
Speaker 1: We were able to.

868
00:41:02,080 --> 00:41:04,800
Speaker 2: Negotiate the price of our cabinets down by paying cash.

869
00:41:05,320 --> 00:41:07,640
Speaker 2: So it's come to our advantage to have cash on hand.

870
00:41:08,640 --> 00:41:11,200
Speaker 2: But when it comes to things like the furnishings, especially

871
00:41:11,200 --> 00:41:13,440
Speaker 2: because we're about to get ready for holiday. We are

872
00:41:13,480 --> 00:41:15,440
Speaker 2: hosting people for the holidays, so we need to have

873
00:41:15,480 --> 00:41:18,800
Speaker 2: everything all at once. Okay, not everything, but like a couch,

874
00:41:19,120 --> 00:41:22,279
Speaker 2: a bed, you know, a spare bed and everything. A

875
00:41:22,280 --> 00:41:26,280
Speaker 2: lot of places do have good zero percent financing offers.

876
00:41:26,320 --> 00:41:28,000
Speaker 2: I'm not saying that we're opening a credit card at

877
00:41:28,000 --> 00:41:30,919
Speaker 2: every retailer. We haven't done that. But when it came

878
00:41:30,960 --> 00:41:34,000
Speaker 2: to getting a mattress, they had a zero percent financing deal.

879
00:41:34,400 --> 00:41:36,040
Speaker 2: We could have paid for it in cash. But I'm

880
00:41:36,080 --> 00:41:40,120
Speaker 2: more concerned now about keeping our cash flow, keeping a

881
00:41:40,200 --> 00:41:44,640
Speaker 2: nice cash flow, so we're not completely obliterating everything that's

882
00:41:44,680 --> 00:41:47,279
Speaker 2: not our emergency fund, you know. So I'm willing to

883
00:41:47,320 --> 00:41:50,560
Speaker 2: do zero percent financing because we have great credits, so

884
00:41:50,600 --> 00:41:52,880
Speaker 2: we get qualified for those offers. If they're going to

885
00:41:52,920 --> 00:41:55,719
Speaker 2: give you zero percent and let you pay something down gradually,

886
00:41:56,040 --> 00:41:57,960
Speaker 2: you know when I can. I can pay it off

887
00:41:57,960 --> 00:41:59,640
Speaker 2: when I get my tax refund or when I get

888
00:41:59,640 --> 00:42:01,879
Speaker 2: my bone, you know, or even if I don't get

889
00:42:01,880 --> 00:42:04,160
Speaker 2: a bonus and tax refund if you know, again, if

890
00:42:04,400 --> 00:42:06,360
Speaker 2: the worst happens, you know, I'll still get a paycheck

891
00:42:06,400 --> 00:42:08,960
Speaker 2: and I can pay it off with my monthly income.

892
00:42:09,040 --> 00:42:12,000
Speaker 2: So we've been taking advantage when we can of a

893
00:42:12,000 --> 00:42:16,040
Speaker 2: couple of zero percent financing offers through retailers. But then

894
00:42:16,080 --> 00:42:19,400
Speaker 2: also I mentioned using the City Double Cash card to

895
00:42:19,520 --> 00:42:25,120
Speaker 2: get two percent cash back on non like on everyday purchases,

896
00:42:25,160 --> 00:42:29,160
Speaker 2: which helps us for furniture and things like I don't know,

897
00:42:29,239 --> 00:42:31,120
Speaker 2: or pro paining things that you can get cash back

898
00:42:31,120 --> 00:42:35,280
Speaker 2: for typically Okay, I also recently opened up a zero

899
00:42:35,320 --> 00:42:39,000
Speaker 2: percent interest purchase credit cards. So some credit cards offer

900
00:42:39,120 --> 00:42:44,600
Speaker 2: zero percent APR for a promotional period on new purchases.

901
00:42:44,680 --> 00:42:48,160
Speaker 2: So we just got a proof for a zero percent card,

902
00:42:48,480 --> 00:42:51,000
Speaker 2: I will say it was through Chase. It's called I

903
00:42:51,040 --> 00:42:52,080
Speaker 2: forget what it's called. I don't want to.

904
00:42:52,080 --> 00:42:52,600
Speaker 1: I don't want to.

905
00:42:53,280 --> 00:42:54,839
Speaker 2: If the Chase has a bunch of cards, they all

906
00:42:54,880 --> 00:42:59,719
Speaker 2: sound the same anyway, zero percent interest on purchases. Initially

907
00:42:59,800 --> 00:43:02,440
Speaker 2: they did not want they did not immediately approve me

908
00:43:02,480 --> 00:43:05,040
Speaker 2: for the card. Not because my credit wasn't great. I

909
00:43:05,080 --> 00:43:08,080
Speaker 2: know it's great, but because some credit card issuers are

910
00:43:08,080 --> 00:43:10,480
Speaker 2: doing this where if you have several cards with the

911
00:43:10,520 --> 00:43:14,239
Speaker 2: same bank, they actually they're trying to avoid people who

912
00:43:14,239 --> 00:43:16,399
Speaker 2: were trying to game, like open up credit cards, get

913
00:43:16,400 --> 00:43:18,520
Speaker 2: the sign up bonus, close the card, keep it, you know,

914
00:43:18,600 --> 00:43:21,600
Speaker 2: keep it moving. So they like Chase, for example, they're

915
00:43:21,640 --> 00:43:24,160
Speaker 2: known to have this rule called the five twenty four rule,

916
00:43:24,480 --> 00:43:26,640
Speaker 2: where if you open up more than five Chase credit

917
00:43:26,719 --> 00:43:29,880
Speaker 2: cards within a twenty four month period, you may you

918
00:43:29,960 --> 00:43:32,279
Speaker 2: probably won't get approved for the card, no matter how

919
00:43:32,280 --> 00:43:35,080
Speaker 2: great your credit is. So I think I have four

920
00:43:35,320 --> 00:43:38,120
Speaker 2: Chase credit cards now. So when I got that email,

921
00:43:38,239 --> 00:43:40,720
Speaker 2: like you know we can't approve your we can't approve

922
00:43:40,719 --> 00:43:43,239
Speaker 2: you right now, you will hear within thirty days, I

923
00:43:43,280 --> 00:43:45,880
Speaker 2: was like, na brat, I need a couch by Christmas.

924
00:43:46,360 --> 00:43:49,920
Speaker 2: So I called their hotline and I was able to

925
00:43:49,960 --> 00:43:52,560
Speaker 2: get them to not only immediately approve me on the phone,

926
00:43:52,840 --> 00:43:55,520
Speaker 2: but expedite so I get the card on Friday versus

927
00:43:55,600 --> 00:43:58,000
Speaker 2: having to wait seven to ten days. And I just

928
00:43:58,040 --> 00:43:59,840
Speaker 2: had to keep asking. They weren't offering this to me.

929
00:43:59,840 --> 00:44:02,000
Speaker 2: They were just like, you know, even at the point

930
00:44:02,040 --> 00:44:02,880
Speaker 2: when I finally got.

931
00:44:02,719 --> 00:44:03,440
Speaker 1: Them to approve me.

932
00:44:03,560 --> 00:44:05,120
Speaker 2: Then then she was like, Okay, thank you, have a

933
00:44:05,200 --> 00:44:06,680
Speaker 2: nice day. And I was like, wait a second, how

934
00:44:06,719 --> 00:44:08,719
Speaker 2: long does it take to get the card? She said

935
00:44:08,760 --> 00:44:10,319
Speaker 2: seven to ten days. I was like, can I get

936
00:44:10,360 --> 00:44:12,360
Speaker 2: it by Friday? And then she was like beep.

937
00:44:12,160 --> 00:44:13,320
Speaker 1: Boop, beep boop. Sure.

938
00:44:13,960 --> 00:44:19,239
Speaker 2: So just shows you can ask. Do I feel And

939
00:44:19,280 --> 00:44:23,640
Speaker 2: again like, yes, I'm talking about, you know, willfully putting

940
00:44:23,680 --> 00:44:27,279
Speaker 2: things on a zero percent interest credit card to keep

941
00:44:27,320 --> 00:44:31,200
Speaker 2: our cash flow, you know, in pretty decent shape. I

942
00:44:31,239 --> 00:44:33,600
Speaker 2: feel confident in this. But I'm just saying it's just

943
00:44:33,960 --> 00:44:36,600
Speaker 2: I'm trying to use debt in a smart way to

944
00:44:36,680 --> 00:44:38,799
Speaker 2: my advantage, which I think is the whole point of

945
00:44:38,840 --> 00:44:42,000
Speaker 2: having a strong credit score, so you can take advantage

946
00:44:42,000 --> 00:44:45,239
Speaker 2: of these types of offers. And I'm feeling good so far.

947
00:44:45,360 --> 00:44:48,359
Speaker 2: And I have a plan. Helen will be happy.

948
00:44:48,400 --> 00:44:48,680
Speaker 1: I have me.

949
00:44:48,760 --> 00:44:51,360
Speaker 2: I have my plan to pay it off, and I'm

950
00:44:51,400 --> 00:44:55,240
Speaker 2: repeating that plan to myself so I can can sleep

951
00:44:55,239 --> 00:44:58,480
Speaker 2: at night. But you know, so far, so far, I'm

952
00:44:58,480 --> 00:45:01,440
Speaker 2: feeling I'm feeling good, and I'm be that. You know,

953
00:45:01,520 --> 00:45:03,560
Speaker 2: there are if you're if you have good credit and

954
00:45:03,600 --> 00:45:06,360
Speaker 2: you're able to find these offers, there are good you know,

955
00:45:06,480 --> 00:45:08,879
Speaker 2: credit card deals out there if you if you can

956
00:45:08,880 --> 00:45:09,920
Speaker 2: find them.

957
00:45:10,480 --> 00:45:12,480
Speaker 1: No, that's awesome, and honesty, I was thinking about that,

958
00:45:12,520 --> 00:45:14,359
Speaker 1: you said. I was actually typing it to myself. You said,

959
00:45:14,360 --> 00:45:15,160
Speaker 1: The City.

960
00:45:17,320 --> 00:45:20,160
Speaker 2: City Double Cash card is the one that I've used

961
00:45:20,239 --> 00:45:23,359
Speaker 2: for because they give you one percent cash back when

962
00:45:23,400 --> 00:45:25,880
Speaker 2: you make a purchase and then give you one percent

963
00:45:25,920 --> 00:45:29,000
Speaker 2: cash back when you pay off your balance, so it's

964
00:45:29,040 --> 00:45:32,600
Speaker 2: really two percent cash back. And there's no there's very

965
00:45:32,640 --> 00:45:34,960
Speaker 2: few cards. I think there's maybe a few other smaller

966
00:45:35,000 --> 00:45:37,600
Speaker 2: credit cards. I'm credit Union cards that give you two

967
00:45:37,680 --> 00:45:40,480
Speaker 2: percent cash back on anything. And the reason I got

968
00:45:40,480 --> 00:45:42,720
Speaker 2: that card is because, yes, I have a three percent

969
00:45:42,760 --> 00:45:45,759
Speaker 2: cash back card on you know, restaurants, but you can't

970
00:45:45,840 --> 00:45:48,160
Speaker 2: use that at home depot to get cash back, right,

971
00:45:48,239 --> 00:45:51,280
Speaker 2: So that's why I got the flat rate anywhere.

972
00:45:50,880 --> 00:45:52,920
Speaker 1: City double Cash because you know I'm the worst. I'm like,

973
00:45:53,200 --> 00:45:55,560
Speaker 1: City Double Dutch, get your cash in the hand. Card.

974
00:45:56,040 --> 00:45:58,920
Speaker 2: We talked about this card before we did.

975
00:45:58,760 --> 00:46:01,200
Speaker 1: I know, And I'm like, I totally did that because

976
00:46:01,200 --> 00:46:03,160
Speaker 1: I was googling, and I'm like, oh, I need to

977
00:46:03,160 --> 00:46:06,040
Speaker 1: get the exact name from Mandy because you know I'll

978
00:46:06,040 --> 00:46:08,759
Speaker 1: be out here like venture into the woods because you're

979
00:46:08,760 --> 00:46:10,680
Speaker 1: going to chase me down. Card, you should get it.

980
00:46:12,800 --> 00:46:15,319
Speaker 2: And one thing too, is like zero percent credit cards,

981
00:46:15,360 --> 00:46:18,040
Speaker 2: the risk, okay, I know the risks is deferred interest.

982
00:46:18,080 --> 00:46:20,080
Speaker 2: That's a risk. If I don't actually pay off this

983
00:46:20,160 --> 00:46:23,000
Speaker 2: zero percent APR card that I just got within twelve months,

984
00:46:23,040 --> 00:46:24,799
Speaker 2: I'm going to get hit with deferred interests. It's going

985
00:46:24,880 --> 00:46:27,279
Speaker 2: to pretend like I was getting charge interest from the

986
00:46:27,320 --> 00:46:28,880
Speaker 2: beginning and they're going to slap it all in my

987
00:46:28,960 --> 00:46:31,040
Speaker 2: card all at one time. But I know I can

988
00:46:31,040 --> 00:46:32,600
Speaker 2: pay it off before that twelve months is up. That's

989
00:46:32,600 --> 00:46:35,120
Speaker 2: the only reason I'm doing it. And at the end

990
00:46:35,120 --> 00:46:37,000
Speaker 2: of the day, it made more sense to do and

991
00:46:37,200 --> 00:46:38,960
Speaker 2: in my mind to do this versus I could have

992
00:46:39,000 --> 00:46:41,560
Speaker 2: gotten a personal loan. You know, the best rates for

993
00:46:41,600 --> 00:46:43,840
Speaker 2: a personal loan right now are like, what six percent,

994
00:46:44,160 --> 00:46:46,480
Speaker 2: but six percent is still more than zero percent. So

995
00:46:46,520 --> 00:46:50,040
Speaker 2: for me, it made more sense to take advantage where

996
00:46:50,040 --> 00:46:52,520
Speaker 2: I can at these zero percent offers. We're still we

997
00:46:52,560 --> 00:46:54,560
Speaker 2: still have our budget for what we're paying for on

998
00:46:54,600 --> 00:46:57,440
Speaker 2: the credit card, and we're not like going bananas, but

999
00:46:57,800 --> 00:47:01,080
Speaker 2: it's it's it's serving my purpose right now, and I'm

1000
00:47:01,520 --> 00:47:03,520
Speaker 2: trying to do it in the smartest way possible.

1001
00:47:03,719 --> 00:47:06,239
Speaker 1: No, but I know, I I think because people ask.

1002
00:47:06,320 --> 00:47:10,600
Speaker 1: I mean, I'm not a huge you know, credit card advocate,

1003
00:47:10,680 --> 00:47:12,839
Speaker 1: but I am a huge If you're gonna use credit cards,

1004
00:47:12,920 --> 00:47:15,200
Speaker 1: use them wisely. So I think this is good because

1005
00:47:15,239 --> 00:47:18,080
Speaker 1: you're using you know, you're using your credit because like

1006
00:47:18,520 --> 00:47:20,919
Speaker 1: you're gonna buy these things anyway, it's happening. We're here now,

1007
00:47:21,239 --> 00:47:24,040
Speaker 1: so it's like, well, how can I maximize you know,

1008
00:47:24,280 --> 00:47:27,640
Speaker 1: the fact that we're renovating, you know, So it's like

1009
00:47:27,680 --> 00:47:30,080
Speaker 1: if I'm gonna cause you're gonna be spending tens of

1010
00:47:30,120 --> 00:47:31,799
Speaker 1: thousands of downs that's just how much it costs. And

1011
00:47:31,840 --> 00:47:34,000
Speaker 1: it's like you can you can get a free flight

1012
00:47:34,120 --> 00:47:36,000
Speaker 1: out of it, you can get cash back, there's so

1013
00:47:36,000 --> 00:47:39,239
Speaker 1: many benefits. So I think what you're doing is super smart.

1014
00:47:39,000 --> 00:47:41,160
Speaker 2: Yeah, it's like there's there's good cards out there. I mean,

1015
00:47:41,200 --> 00:47:43,160
Speaker 2: if you're not earning, if you're using credit and you're

1016
00:47:43,239 --> 00:47:45,080
Speaker 2: and you have good you have a good credit score

1017
00:47:45,080 --> 00:47:48,439
Speaker 2: like seven sixty or higher, seven forty or higher. Even

1018
00:47:48,760 --> 00:47:51,279
Speaker 2: like if you don't have a rewards card, you're kind

1019
00:47:51,320 --> 00:47:54,080
Speaker 2: of missing out, you know, unless you're doing it because

1020
00:47:54,120 --> 00:47:56,600
Speaker 2: you know yourself and you've been in debt before, you

1021
00:47:56,640 --> 00:48:00,399
Speaker 2: don't trust yourself. That's fine. But if you're responsible and

1022
00:48:00,440 --> 00:48:02,080
Speaker 2: you can pay your card in full, like you might

1023
00:48:02,120 --> 00:48:04,319
Speaker 2: as well make a little make some make some like

1024
00:48:04,400 --> 00:48:07,040
Speaker 2: shush on the top, get some sprinkles.

1025
00:48:07,160 --> 00:48:10,719
Speaker 1: No, you're right, because you're right because if you're if not, like,

1026
00:48:10,760 --> 00:48:13,520
Speaker 1: if you're someone who uses your card responsibly, then you

1027
00:48:13,520 --> 00:48:16,359
Speaker 1: know there's literally it's almost like not using e baits, right,

1028
00:48:17,280 --> 00:48:20,400
Speaker 1: It's like so if you gotta shop online, ebates is

1029
00:48:20,440 --> 00:48:23,279
Speaker 1: free and literally just says, hey, you bought that thing,

1030
00:48:23,400 --> 00:48:27,240
Speaker 1: here's three percent of your money back, so use e baits,

1031
00:48:27,280 --> 00:48:30,000
Speaker 1: you know. So it's just like one of those things.

1032
00:48:30,040 --> 00:48:32,319
Speaker 1: So it doesn't there's certain things that just doesn't make

1033
00:48:32,320 --> 00:48:34,200
Speaker 1: sense not to use when it comes to your finance.

1034
00:48:34,960 --> 00:48:39,200
Speaker 2: Exactly. All right, Well that's my brown boost. I guess

1035
00:48:39,239 --> 00:48:41,560
Speaker 2: that was for just credit cards in general, working them,

1036
00:48:41,920 --> 00:48:45,200
Speaker 2: work in the system, trying my best not to pay

1037
00:48:45,239 --> 00:48:47,920
Speaker 2: them one penny, but collect all the pennies for myself.

1038
00:48:49,440 --> 00:48:52,399
Speaker 1: Okay, okay, do it.

1039
00:48:53,440 --> 00:48:54,799
Speaker 2: We'll have a good Thanksgiving.

1040
00:48:56,800 --> 00:48:59,600
Speaker 1: Enjoy not cooking, right, And I was gonna say, enjoy

1041
00:48:59,640 --> 00:49:03,320
Speaker 1: my join Vanda's turkey and I'm here. We're gonna have

1042
00:49:03,360 --> 00:49:05,800
Speaker 1: a good time, yes, but have a good Eata lasigna

1043
00:49:05,840 --> 00:49:07,960
Speaker 1: for me. I love Lazangna. Honestly, I will.

1044
00:49:07,840 --> 00:49:09,160
Speaker 2: Bring you some because you know, I'm like, to some

1045
00:49:09,239 --> 00:49:11,799
Speaker 2: tolerant girl, I can't eat Asanna. My poor mother in law,

1046
00:49:11,960 --> 00:49:15,120
Speaker 2: she's like, she's like, you're still you still can't eat cheese? Yes,

1047
00:49:16,080 --> 00:49:17,400
Speaker 2: that is how the body works.

1048
00:49:17,840 --> 00:49:19,400
Speaker 1: I'm kind of been paying for life. But you know,

1049
00:49:19,440 --> 00:49:20,000
Speaker 1: I'll let you know.

1050
00:49:20,400 --> 00:49:23,120
Speaker 2: She's like, I love it, but it's mozzarella. I'm like, no,

1051
00:49:23,360 --> 00:49:24,360
Speaker 2: not even mozzarella.

1052
00:49:25,239 --> 00:49:27,520
Speaker 1: I love that shit. You still cheap. I guess if

1053
00:49:27,520 --> 00:49:29,520
Speaker 1: one day body's like, you know, a girl, okay, I

1054
00:49:29,520 --> 00:49:32,520
Speaker 1: don't want to get you that cheese.