WEBVTT - Debt-Free For the First Time In 20 Years 0:00:16.120 --> 0:00:21.880 Hey, hey, hey, we're back and we're black and we're brown. 0:00:22.360 --> 0:00:28.920 So today I broke down and I went to the orthodontist. Ooh, orthodontist. 0:00:29.000 --> 0:00:33.640 Wait a second, did the commenters get to U tif wow? 0:00:34.400 --> 0:00:37.839 Yes and no. So I've always so for those who 0:00:37.840 --> 0:00:39.800 don't know, I actually I had bracest when I was 0:00:39.800 --> 0:00:42.560 a kid, well, you know, like typical teens. I don't know. 0:00:42.600 --> 0:00:46.120 I probably was like thirteen, fourteen, fifteen that age. But 0:00:46.600 --> 0:00:48.760 I suffer from something well I don't know if it's suffer. 0:00:48.880 --> 0:00:52.519 It's called thunk tongue thrust. It's like sucking your thumb, 0:00:52.520 --> 0:00:54.279 but not your thumb. Instead, it's your tongue. And so 0:00:54.640 --> 0:00:58.760 your tongue pushes your pushes forward and you I won't 0:00:58.760 --> 0:01:00.360 even notice that I'm doing it. So I do it 0:01:00.360 --> 0:01:02.360 in my sleep, I do it when I'm awake. I've 0:01:02.400 --> 0:01:04.480 done it since I was literally an infant. When I 0:01:04.520 --> 0:01:06.800 was a kid, my parents tried to get me to stop, 0:01:06.800 --> 0:01:08.600 but there's like nothing you can do because your tongue 0:01:08.680 --> 0:01:12.360 is in your mouth. And so because of that, whatever 0:01:12.560 --> 0:01:18.360 the bracist did before, my tongue totally like undid that 0:01:18.480 --> 0:01:21.440 and did some more damage. And I went to an 0:01:21.560 --> 0:01:24.520 orthodontist maybe years ago, and I was like, oh, you know, 0:01:24.560 --> 0:01:26.920 I want to get bracest again, probably in like my 0:01:26.959 --> 0:01:28.480 twenties or something. And they're like, well, it's not going 0:01:28.520 --> 0:01:30.600 to make any sense because your tongue threats is just 0:01:30.600 --> 0:01:32.560 going to push your teeth back out. So I never 0:01:32.640 --> 0:01:35.000 went back. I just you know, went to the regular dentist. 0:01:35.120 --> 0:01:38.200 And then something said just ask So I actually actually 0:01:38.200 --> 0:01:42.319 even considered veneers. So I'd gone to a like a 0:01:42.440 --> 0:01:45.200 cosmic what is it, cosmetic dentist and they were like, no, 0:01:45.840 --> 0:01:47.640 we don't think that's a fit for you. You should go 0:01:47.840 --> 0:01:50.520 back to an orthodontist. I think that other guy was wrong. 0:01:50.880 --> 0:01:53.680 So I did today and I went to this awesome place. 0:01:54.160 --> 0:01:57.400 They were honestly so good. I mean, first of all, 0:01:58.200 --> 0:02:01.040 these millennials. I mean I walked in Mandy, I'm like, 0:02:01.080 --> 0:02:02.960 am I in a coffee shop? That's what it looked like. 0:02:03.040 --> 0:02:07.640 The orthodoxis. It was so cute. They had, first of all, 0:02:07.920 --> 0:02:10.480 Joanna Gaines has gotten to everyone. They had ship lap 0:02:10.520 --> 0:02:13.040 on the walls. Can you imagine, Oh my god, yes, 0:02:13.280 --> 0:02:19.560 ship lap. So no, it wasn't where was this place. 0:02:19.880 --> 0:02:21.560 It was like in Harrison or something like that, but 0:02:21.600 --> 0:02:25.240 it was super cute. Honestly, they were so professional, Like 0:02:25.280 --> 0:02:27.160 I had never the way they did X rays, the 0:02:27.200 --> 0:02:30.160 way they took pictures, I had never. I had never 0:02:30.520 --> 0:02:33.840 gone through a process that was so easy and like pleasant. 0:02:33.880 --> 0:02:36.400 I mean, no one thinks of the orthodontist and things pleasant, 0:02:36.400 --> 0:02:40.600 but honestly it was really pleasant. It was called n 0:02:40.680 --> 0:02:46.240 A North Arlington Orthodontist Orthodontics, North Arlington. Yeah, and so 0:02:46.720 --> 0:02:50.799 my doctor, doctor Jessica, she was awesome and she was like, 0:02:50.840 --> 0:02:52.600 I know exactly what you have. After she looked at 0:02:52.600 --> 0:02:56.240 my pictures, she said, you have tongue thrust. It's not uncommon. 0:02:56.720 --> 0:02:59.280 It's fishing your teeth out. And I was like, yeah, 0:02:59.360 --> 0:03:02.320 so is it. I mean, She's like, we could fix it. 0:03:02.800 --> 0:03:04.359 I'm like, but it's gonna go back right. She was 0:03:04.400 --> 0:03:07.399 like no. She's like you, like, do you want bracelets? 0:03:07.400 --> 0:03:08.840 I was like no. She was like, I think a 0:03:08.919 --> 0:03:11.239 visil line is the best route for you anyway, which 0:03:11.240 --> 0:03:13.440 I'm like, yes, that's like the tray, like you know, 0:03:13.520 --> 0:03:15.480 like you can't even see them when people have them on. 0:03:16.200 --> 0:03:17.679 It's like them in visil line. Yeah. 0:03:17.800 --> 0:03:20.240 They my dentist has mentioned it to me a couple 0:03:20.280 --> 0:03:21.080 of times in the past. 0:03:21.600 --> 0:03:23.640 Yeah, you don't have anything, nothing's wrong with your teeth. 0:03:23.720 --> 0:03:26.200 That's why I was suspicious, man, But I think anyway, 0:03:26.320 --> 0:03:28.880 continue But yeah, in vezil line, most like a lot 0:03:28.880 --> 0:03:31.080 of dentists offer it now. It's like the little clear 0:03:31.120 --> 0:03:33.200 plastic case that goes over your teeth, right. 0:03:33.480 --> 0:03:35.840 Mm hmm, And so depending on how So, like a 0:03:35.880 --> 0:03:38.840 friend of mine had in visil line, but her teeth. Honestly, 0:03:38.880 --> 0:03:40.160 I was like, why do you have a visiline? Your 0:03:40.200 --> 0:03:42.000 teeth are like perfect. So it was literally just a 0:03:42.000 --> 0:03:44.240 few months for her to straighten out her teeth, and 0:03:44.320 --> 0:03:46.120 for me, she said probably a year to a year 0:03:46.120 --> 0:03:48.280 and a half. And so what happens is you get 0:03:48.600 --> 0:03:50.640 they they she they use it. They don't even do 0:03:50.680 --> 0:03:53.840 a mold because they're fancy. They do a laser thing. 0:03:54.040 --> 0:03:56.840 And so they they're going to get the perfect shape 0:03:56.880 --> 0:03:59.960 of like my like mold of my mouth with this laser, 0:04:00.080 --> 0:04:02.200 and they're going to get trays made. And what will 0:04:02.200 --> 0:04:05.600 happen is you'll wear a tray for however many weeks 0:04:05.720 --> 0:04:08.720 or months until like your your teeth adjust. Then you'll 0:04:08.760 --> 0:04:11.000 get the next set of trays that then adjust your 0:04:11.000 --> 0:04:13.720 teeth again. And you keep you keep progressively getting trays 0:04:13.760 --> 0:04:15.840 that are closer and closer to the ideal shape of 0:04:15.880 --> 0:04:18.120 your teeth or ideal shape of I guess your bite 0:04:18.160 --> 0:04:22.280 or whatever. And I was like wow, and so yeah, 0:04:22.320 --> 0:04:23.720 and so she was like, you wear them twenty two 0:04:23.720 --> 0:04:25.880 hours a day. Basically, you just take them off to 0:04:25.960 --> 0:04:28.680 eat and brush your teeth and that's it. And so 0:04:28.800 --> 0:04:30.919 what the thing that really made me happy was that 0:04:30.960 --> 0:04:33.359 she was like, I said, well, what about my tongue 0:04:33.360 --> 0:04:35.200 thrust and there's just kind of push my teeth back 0:04:35.200 --> 0:04:37.600 out and she said, no, we could put a bonded 0:04:37.640 --> 0:04:40.719 wire behind your teeth once they're where they're supposed to be, 0:04:41.120 --> 0:04:43.559 and it's like a wire like you know, like behind 0:04:43.560 --> 0:04:45.640 my teeth. You would never know, but it will keep 0:04:45.680 --> 0:04:48.520 my tongue because the wire is stronger than my tongue. 0:04:48.640 --> 0:04:50.800 It'll keep my tongue from pushing my teeth back out. 0:04:50.920 --> 0:04:54.400 And she said, but so she would suggested I continue 0:04:54.400 --> 0:04:57.120 to wear whatever the last tray or whatever trade they 0:04:57.120 --> 0:04:59.240 gave me is at night, like as a retainer at night, 0:04:59.240 --> 0:05:00.800 and she was like, you by then, you'll be so 0:05:00.880 --> 0:05:02.320 used to it. You just put it in before you 0:05:02.360 --> 0:05:04.360 go to sleep. And you know, your teeth will stay 0:05:04.400 --> 0:05:06.400 in place. And I was like, where have you been 0:05:06.440 --> 0:05:10.320 on my life? I'm excited to do it, honestly, because 0:05:10.760 --> 0:05:14.200 here's the thing, like I I'm typically not I don't know. 0:05:14.279 --> 0:05:18.560 I like, I was a really self conscious kid, and 0:05:18.640 --> 0:05:22.320 like I wouldn't say early twenties, like teens and early twenties, 0:05:22.360 --> 0:05:25.680 like really self conscious about my looks, like about my 0:05:25.760 --> 0:05:28.160 skin color, about the way the texture of my hair, 0:05:28.240 --> 0:05:31.080 about everything. And then somewhere in like my mid to 0:05:31.160 --> 0:05:33.159 late twenties, I was like, I don't give a what 0:05:34.320 --> 0:05:36.400 and I did it honestly. And then in my thirties 0:05:36.480 --> 0:05:38.520 it was just like whatever, I mean, I never had 0:05:38.520 --> 0:05:42.280 any lack of dates or whatever. So it but when 0:05:42.320 --> 0:05:44.240 you become more in the public eye, I'm not gonna lie. 0:05:44.279 --> 0:05:47.719 I don't get I would say ninety nine point literally 0:05:47.800 --> 0:05:50.960 nine percent of like comments are positive, but definitely you 0:05:50.960 --> 0:05:54.400 get someone who has something funny to say about my smile, 0:05:54.920 --> 0:05:57.200 and you know, and then too, I'm doing more and 0:05:57.240 --> 0:06:00.000 more TV so I can see myself more where normally 0:06:00.880 --> 0:06:02.840 I'm not someone who's always in the mirror, so I'm 0:06:02.880 --> 0:06:05.360 not looking at myself. So I just said, well, Tiffany 0:06:06.040 --> 0:06:08.600 if it bothers you and the budget, Lisa can pay 0:06:08.640 --> 0:06:10.440 for it. I already reached out to my accountant and 0:06:11.160 --> 0:06:14.240 she said he said yes, because I'm getting it specifically 0:06:14.320 --> 0:06:20.880 really to present a cleaner picture for for TV and 0:06:20.920 --> 0:06:22.560 speaking all that kind of stuff, so I can have 0:06:22.600 --> 0:06:26.240 my business paid for it. And also to the orthodontist 0:06:26.320 --> 0:06:28.320 that she said a lot of times that the companies 0:06:28.320 --> 0:06:30.880 will pay for because I guess they get like, I 0:06:30.880 --> 0:06:33.800 don't know TV personalities in there as well, and she said, yes, 0:06:33.839 --> 0:06:37.719 that happens a lot. So there's that. I'm actually excited 0:06:37.760 --> 0:06:39.400 about it. They work really fast. She was like, we 0:06:39.440 --> 0:06:41.040 could take the mold today, or we could take the 0:06:41.120 --> 0:06:43.039 lasers today. And I was like, m let me because 0:06:43.080 --> 0:06:44.720 at the time I had not called my accountant. So 0:06:44.720 --> 0:06:46.159 I said, well, I don't want to swipe my card 0:06:46.160 --> 0:06:48.080 and I'm not. I'm not, you know, even though it's 0:06:48.120 --> 0:06:50.360 my company. I don't want to obviously be chased down 0:06:50.360 --> 0:06:52.440 by the I R S. So I'm actually going next 0:06:52.520 --> 0:06:55.440 Monday and then within two to four weeks I have 0:06:55.520 --> 0:06:57.680 my first tray. Isn't that crazy? 0:06:58.000 --> 0:07:00.120 So how much is the invisil line? Like if you 0:07:00.160 --> 0:07:01.440 were to pay out of pocket? 0:07:02.120 --> 0:07:04.080 So I actually had well, I'm gonna pay out a 0:07:04.080 --> 0:07:06.919 pock because like I try to use my husband's insurance. 0:07:07.000 --> 0:07:08.640 This is what I thought I was going to pay myself, 0:07:08.839 --> 0:07:11.800 and it was to be clear because I'm going to 0:07:11.880 --> 0:07:14.400 have them longer than maybe the average person because I 0:07:14.400 --> 0:07:18.000 have a lot more shifting to do. So my friend 0:07:19.000 --> 0:07:20.720 who got her, she hadn't had a fee a few months. 0:07:20.760 --> 0:07:22.520 She didn't have to pay it this much because she 0:07:22.520 --> 0:07:24.840 didn't have hers as long. So I'm just going to 0:07:24.880 --> 0:07:31.240 share in total. This includes because I asked her about 0:07:31.400 --> 0:07:36.400 teeth whitening as well, So this includes teeth whitening. And 0:07:36.560 --> 0:07:40.280 the 's a lot. It's five thousand, two hundred and 0:07:40.360 --> 0:07:43.720 sixty dollars. You have to put down an initial down 0:07:43.760 --> 0:07:47.160 payment this is for me fifteen hundred or which is 0:07:47.200 --> 0:07:49.240 this is what I'm going to do, and then thirteen 0:07:49.280 --> 0:07:52.120 months of payments of two hundred and eighty nine dollars 0:07:52.160 --> 0:07:54.360 and twenty four cents. But I said, I'm not going 0:07:54.440 --> 0:07:57.320 to do that. Instead, I'm going to pay in full, 0:07:58.560 --> 0:08:01.679 and I'm going to join what's called the coffee Club members. 0:08:01.960 --> 0:08:05.360 That means that if you come in for your checkups 0:08:05.600 --> 0:08:08.320 at nine am, I guess that's when or nine thirty 0:08:08.320 --> 0:08:12.280 am or two thirty pm Monday through Friday. So I 0:08:12.280 --> 0:08:14.560 guess that's like, you know, they're like off peak times, 0:08:14.600 --> 0:08:16.280 which I can do since I work for myself and 0:08:16.280 --> 0:08:17.920 this place is only like ten minutes to my house. 0:08:18.320 --> 0:08:20.440 I will say five hundred and twenty six dollars, so 0:08:20.480 --> 0:08:23.440 paying in full and going during off peak times, so 0:08:23.480 --> 0:08:26.240 for me, it's going to be forty seven, one hundred 0:08:26.360 --> 0:08:27.400 thirty four dollars. 0:08:27.880 --> 0:08:30.400 Interesting, I've never heard of dentists giving you a discount 0:08:30.480 --> 0:08:33.000 for coming off pick. That's cool, I know, right, and. 0:08:35.000 --> 0:08:37.240 I know so I'm actually you know, like I said, 0:08:37.280 --> 0:08:40.080 I'm I'm excited and so you can get I guess 0:08:40.200 --> 0:08:45.120 you get three years worth of trades, so like just 0:08:45.120 --> 0:08:46.800 in case like something that's to take or I'm not 0:08:46.880 --> 0:08:49.839 using it properly or whatever. But honestly, I'm excited about 0:08:49.840 --> 0:08:53.080 it because I didn't realize like I could literally if 0:08:53.080 --> 0:08:55.679 I would have gotten my laser today, maybe I could 0:08:55.720 --> 0:08:57.800 have had them in in like two weeks. I'd be like, hm, 0:08:57.840 --> 0:09:00.480 hmm before Christmas. You know what, I'm going to happen 0:09:00.520 --> 0:09:03.560 before Christmas. But it's just crazy how the lesson for 0:09:03.679 --> 0:09:08.800 me is asking the question because someone told me no, 0:09:09.160 --> 0:09:11.640 And then for the last you know, three or four years, 0:09:11.880 --> 0:09:15.600 I never questioned it. And I could have, and not 0:09:15.679 --> 0:09:18.040 that I would have, like I necessarily would have gotten it, 0:09:18.040 --> 0:09:19.800 but at least I would have. I never even had 0:09:19.840 --> 0:09:21.400 it as an option in my mind. I said, it's 0:09:21.400 --> 0:09:24.439 not an option. Someone told me no. So I'm excited 0:09:24.480 --> 0:09:27.160 because when we just wait until I get my grill 0:09:27.240 --> 0:09:29.480 all the way together, you know, tell me. 0:09:29.440 --> 0:09:33.400 Nothing your grill well, as long as it's for your 0:09:33.440 --> 0:09:35.640 happiness and you're doing it to make yourself happier or 0:09:35.679 --> 0:09:37.840 not because the haters told you to which I'm I'm 0:09:37.840 --> 0:09:40.640 sure you're not, because I think your smile is beautiful, 0:09:40.840 --> 0:09:41.640 just the way it is. 0:09:42.559 --> 0:09:44.960 Ye. Drenda's like, I'm gonna Drina. If you guys know 0:09:45.080 --> 0:09:47.319 my best friend. She said, I'm gonna miss your little gaps. 0:09:47.400 --> 0:09:52.160 I was like, I'm not, no, like no, no, honestly, no, 0:09:52.200 --> 0:09:54.120 I don't. I mean, like I said, I I don't 0:09:54.200 --> 0:09:56.640 hate the way I look like, you know, but I 0:09:56.679 --> 0:10:00.599 definitely would feel more comfortable, So I mean excited about it. 0:10:00.600 --> 0:10:02.920 I'm not going to get plastic surgery. It's not like 0:10:03.080 --> 0:10:04.560 next up skinned. 0:10:06.200 --> 0:10:08.880 Oh god, Jesus. I was just about to say I 0:10:08.920 --> 0:10:11.520 would never say never about classic surgery because I'm like, 0:10:11.679 --> 0:10:13.360 I don't know what gravity is going to do to me. 0:10:13.400 --> 0:10:16.000 I'd like to keep the option open, you know, for 0:10:16.040 --> 0:10:17.679 any nips and tucks when I'm in my I mean, 0:10:17.800 --> 0:10:19.280 I feel like, when you're in your forties and fifties 0:10:19.280 --> 0:10:21.880 and sixties, like, who cares you paid your dues, You've 0:10:21.880 --> 0:10:24.360 made your money, nip and tuck all you want, boo, Like, 0:10:24.520 --> 0:10:27.520 I'm I'm totally leaving that door open for myself. I mean, 0:10:27.559 --> 0:10:29.400 do you know what kids do to your boobs? 0:10:29.559 --> 0:10:31.200 I'm scared. I'm not gonna lie, you know what it is. 0:10:31.240 --> 0:10:34.120 I think. I feel like the only reason why I 0:10:34.160 --> 0:10:36.120 took Classic Soldier off the table is because I'm scared. 0:10:36.120 --> 0:10:37.680 I don't even I don't even want to get a tattoo. 0:10:38.400 --> 0:10:40.240 But at that, when you're like in your fifties and sixties, 0:10:40.280 --> 0:10:42.160 like you've lived a good life, you know, you know, 0:10:42.240 --> 0:10:44.400 why not take a little bit, take a little bit 0:10:44.440 --> 0:10:47.520 of a risk you've had killing then why not? You know, 0:10:47.760 --> 0:10:49.880 I'm just leaving the door open for my for my 0:10:50.000 --> 0:10:50.560 future self. 0:10:50.960 --> 0:10:53.000 If I have twins, I'm gonna be like, uh, while 0:10:53.000 --> 0:10:54.560 we're here because I'm not having no work. Kids, Just 0:10:54.559 --> 0:10:56.199 go hand on and do that. Tell me texts, we're 0:10:56.200 --> 0:10:58.880 here already, Like, that's what I'm saying, right, I could 0:10:58.880 --> 0:11:00.560 see myself doing that if you. 0:11:00.520 --> 0:11:02.280 Can survive childbirth? What's a tummy tuck? 0:11:03.840 --> 0:11:04.640 Evocle? 0:11:30.200 --> 0:11:32.120 Did I mention anything about a pet? I was looking 0:11:32.120 --> 0:11:34.600 for a good segue because we got some really funny 0:11:34.679 --> 0:11:37.600 responses from our listeners after last week's show. We were 0:11:37.600 --> 0:11:41.199 talking about how the like millennials, because they buy fancy 0:11:41.240 --> 0:11:43.640 dog food and like cat food for their pets now, 0:11:43.920 --> 0:11:46.079 have driven up the price and made it harder for 0:11:46.360 --> 0:11:49.240 like the old kind of kibbles and bits type of 0:11:49.960 --> 0:11:52.760 you know, your mama's cat food and dog food companies 0:11:52.800 --> 0:11:55.760 to like survive today they've beenqun it harder for them anyway. 0:11:55.800 --> 0:11:57.559 So we asked listeners, you know, how much do you 0:11:57.600 --> 0:11:59.880 spend on your pet? We want to hear your stories. 0:12:00.400 --> 0:12:04.040 I gotta read you this message from we got two 0:12:04.120 --> 0:12:07.040 cent so listener Amelia with an a. She said, so 0:12:07.120 --> 0:12:09.319 I got my cat for free on craigslist. Okay, I'm 0:12:09.360 --> 0:12:11.560 with you, but anytime we go to the vet, I 0:12:11.600 --> 0:12:14.440 pay for him to get IV fluids fifty dollars. She 0:12:14.480 --> 0:12:17.680 does not mention why he needs iv flush, but apparently, 0:12:18.360 --> 0:12:20.319 apparently Fluffy is very dehydrated. 0:12:21.679 --> 0:12:21.959 Fry. 0:12:22.679 --> 0:12:25.240 I paid for him to get fifty dollars ivy fluids, 0:12:25.280 --> 0:12:27.920 even if he doesn't need it, so that he's well hydrated. 0:12:28.280 --> 0:12:32.120 I also get him trimmed twenty dollars, nails trimmed fifteen dollars, 0:12:32.160 --> 0:12:35.040 and some cat Xanax forty dollars so he can relax 0:12:35.080 --> 0:12:37.640 and take a long nap when we get home. I 0:12:37.720 --> 0:12:40.960 buy him prescription food. It gets sixty dollars a month, 0:12:41.000 --> 0:12:43.480 and he only drinks filtered water because I don't want 0:12:43.520 --> 0:12:46.679 chemicals or minerals building up in his body. Dot dot 0:12:46.679 --> 0:12:50.440 dot it continues. He also has a two hundred dollars 0:12:50.440 --> 0:12:53.320 carrier that's for hiking, but she says I bought it 0:12:53.360 --> 0:12:56.640 for evacuations. I live in California's big fire zones, and 0:12:56.679 --> 0:13:01.560 he has his own emergency kit. Oh my god, I 0:13:01.760 --> 0:13:02.880 don't know what to say. 0:13:03.559 --> 0:13:05.800 Well, I mean, like now the emergency kit, and like 0:13:05.800 --> 0:13:09.560 the carrier, okay, but like like Fluffy is drinking the 0:13:09.600 --> 0:13:11.200 water he needs to drink. I mean cats are like 0:13:11.280 --> 0:13:13.200 if I'm thirsty, I shall drink that's crazy. 0:13:13.280 --> 0:13:15.800 I'm not in mineral water. I mean to each her own. 0:13:16.280 --> 0:13:18.760 I just you know, no judgment zone. We said, shares 0:13:18.800 --> 0:13:20.120 your stories, no judgments. 0:13:20.320 --> 0:13:22.079 Ohah, no judgment. I mean let me real it on back. 0:13:22.160 --> 0:13:25.480 Okay, god do you but cat's dan x No, but 0:13:25.520 --> 0:13:27.600 for real cat like my dog, he used to take 0:13:27.679 --> 0:13:30.840 half a He had to take half a a clariton 0:13:30.920 --> 0:13:33.680 every day because he had allergies. Like pets take human 0:13:33.720 --> 0:13:38.160 medicine and it's it's it costs, like human medicine costs too. 0:13:38.240 --> 0:13:40.960 So I didn't know that cats take human medicine. 0:13:41.000 --> 0:13:43.559 They can if they have anxiety. And just like Fluffy here, 0:13:43.600 --> 0:13:44.880 I made up the cat's name. I don't know the 0:13:44.880 --> 0:13:47.400 cat's name. Forty dollars an x so he can relax 0:13:47.400 --> 0:13:49.400 and take a long nap on me get home, because 0:13:49.400 --> 0:13:52.359 it's stressful getting ivy fluids and your hair traids. 0:13:52.760 --> 0:13:54.840 I don't cats like what is his life of mind? 0:13:54.880 --> 0:13:55.440 I love it. 0:13:56.920 --> 0:13:59.720 Listener Martisia said that she's listening to the most recent 0:13:59.760 --> 0:14:02.520 pot Cash. She says, Luckily we've not had to spend 0:14:02.559 --> 0:14:06.079 a crazy amount of money on her family's pug, which 0:14:06.120 --> 0:14:08.480 she's had for ten years. She says, but like anything else. 0:14:08.520 --> 0:14:10.960 Owning a dog is a financial decision, but owning a 0:14:11.000 --> 0:14:14.079 pet adds an emotional component. They're not humans, but when 0:14:14.080 --> 0:14:16.640 faced with a decision about their health, more than likely 0:14:16.760 --> 0:14:19.280 you would pay. So make sure you understand the financial 0:14:19.360 --> 0:14:22.720 responsibility involved. Keep on top of their health to avoid 0:14:22.840 --> 0:14:26.920 major expenditures. Thanks for the question. Okay, Martitia, come in 0:14:26.920 --> 0:14:30.840 with the realness. I mean, if preventative care is important, 0:14:30.920 --> 0:14:33.280 so you know, keeping the dog healthy and groomed and 0:14:33.280 --> 0:14:35.280 all that stuff, I guess it can save you money 0:14:35.280 --> 0:14:35.960 down the line. 0:14:36.520 --> 0:14:39.480 Yeah, I mean I'm not even you know, like you're right. 0:14:39.520 --> 0:14:42.000 I mean I had a cat and even though like 0:14:42.080 --> 0:14:43.760 I wasn't like super fancy because I didn't have any 0:14:43.760 --> 0:14:46.160 money and I was a teenager, it was it was expensive. 0:14:46.640 --> 0:14:52.200 I remember, I remember like having to like I wanted 0:14:52.200 --> 0:14:55.240 to get her neutered Spade or I don't know, she 0:14:55.360 --> 0:14:56.560 was a girl, so I don't know if there's a 0:14:56.560 --> 0:14:59.800 difference between Spade and neuter, but yeah, and it was 0:15:00.080 --> 0:15:02.120 like a few hundred dollars or a couple hundred dollars, 0:15:02.160 --> 0:15:05.120 and like it was. I remember my dad really wanted 0:15:05.120 --> 0:15:07.840 to teach me responsibility because I wanted a got so bad. 0:15:07.880 --> 0:15:10.520 And I remember thinking, like and I got the cheap's 0:15:10.680 --> 0:15:13.920 like no name, like whatever food. She haded that food 0:15:13.960 --> 0:15:15.720 so much she went out. She was killing mice in 0:15:15.760 --> 0:15:19.400 the in the in the the the forest we had 0:15:19.400 --> 0:15:21.640 like we lived by like some woods. I'm like, oh, 0:15:21.760 --> 0:15:23.480 so you sho just go ahead on and find your 0:15:23.480 --> 0:15:25.960 own food. Huh all this good food I got for you? 0:15:26.040 --> 0:15:29.080 So yeah, Like my poor cat did not even have 0:15:29.200 --> 0:15:31.120 like you know how like cats have like the I 0:15:31.120 --> 0:15:34.280 guess the litter box. Who had money for a little box? 0:15:34.320 --> 0:15:36.040 I had one of the silver trays. 0:15:36.440 --> 0:15:41.320 You know, I was thirty. 0:15:40.920 --> 0:15:42.720 I didn't have any money. I was like, I'm gonna 0:15:42.720 --> 0:15:43.880 get you one as soon as I say, with my 0:15:43.920 --> 0:15:48.000 next allowance. So yeah, no, but I mean eventually, you know, 0:15:48.120 --> 0:15:50.000 we upgraded her. But then she ran away to go 0:15:50.080 --> 0:15:51.720 live with the neighbors, and I said, okay. 0:15:51.480 --> 0:15:54.400 Well good bye, because she was living like a cat hobo. 0:15:54.880 --> 0:16:01.400 She take pan. Oh my, was like, this is not 0:16:01.440 --> 0:16:02.360 the American dream. 0:16:03.160 --> 0:16:04.880 I remember she used to like literally run away for 0:16:04.920 --> 0:16:06.440 like weeks, and we like, where did you go? It 0:16:06.480 --> 0:16:07.800 turned out she was living with the names. I guess 0:16:07.840 --> 0:16:09.320 she was trying them out. And then one day I 0:16:09.360 --> 0:16:10.880 was walking by. I thought she ran away, and I 0:16:10.960 --> 0:16:12.880 was like, well, what happens? And I walk by and 0:16:12.960 --> 0:16:15.720 I hear her me out so familiar. I look in 0:16:15.720 --> 0:16:17.880 the window and she's in the neighbor's house looking at 0:16:17.920 --> 0:16:20.080 me like, just say, hi, girl, don't worry about me. 0:16:20.120 --> 0:16:23.920 I'm good with a new collar and everything all inside 0:16:23.920 --> 0:16:25.400 the house. Because my dad hated for her to be 0:16:25.680 --> 0:16:27.440 like inside too much, I'd have to seek her in. 0:16:27.800 --> 0:16:29.200 So I just said, you know what, you look like. 0:16:29.280 --> 0:16:31.840 You look well fed, You look good, girl, You look good. 0:16:32.520 --> 0:16:36.080 That's funny. That's brown ambition right there, cat ambition. She 0:16:36.080 --> 0:16:37.320 got out of a bad situation. 0:16:38.480 --> 0:16:43.520 She said, she upgraded her life. Yes, so it's time 0:16:43.680 --> 0:16:48.480 fuck question Johns questions questions to begin? Any good questions? 0:16:48.480 --> 0:16:49.720 Will we always get good questions? 0:16:49.880 --> 0:16:52.760 Always? We have a few good questions this week? Which 0:16:52.800 --> 0:16:54.600 one shall I pick my first victim? 0:16:54.920 --> 0:16:55.640 Dun? Dun, dun. 0:16:55.800 --> 0:16:58.040 How about this from a new listener. Her name is 0:16:58.240 --> 0:16:59.840 I'm going to pronounce me to try and pronounce this. 0:17:00.800 --> 0:17:04.119 It's a pretty name. Okay, She says, I'm a new 0:17:04.160 --> 0:17:06.639 listener and I love the podcast. I have a loaded question, 0:17:06.680 --> 0:17:09.520 but I'll try to simplify it. I'm a medical professional, 0:17:09.600 --> 0:17:13.560 thirty four years old, earning approximately approximately one hundred and 0:17:13.640 --> 0:17:15.760 twenty thousand dollars a year. I want to know if 0:17:15.800 --> 0:17:18.520 a financial planner would be good for me. My goal 0:17:18.640 --> 0:17:20.600 is to pay off my one hundred and twenty five 0:17:20.640 --> 0:17:23.800 thousand dollars student loan debt and start saving for retirement. 0:17:24.320 --> 0:17:27.359 But I have a few hurdles. I'm paying off two cars, 0:17:27.440 --> 0:17:30.720 and I want to remodel my house soon. I'll also 0:17:30.760 --> 0:17:33.800 be paying for my son's college tuition. Help where do 0:17:33.960 --> 0:17:34.520 I start? 0:17:37.080 --> 0:17:38.600 Can you list some of the things again that she 0:17:38.640 --> 0:17:39.400 has financially. 0:17:39.600 --> 0:17:42.640 So, she's a medical professional making one hundred and twenty 0:17:42.720 --> 0:17:45.920 thousand dollars solid salary, and she wants to know if 0:17:45.920 --> 0:17:48.640 she needs a financial planner. Basically, she has one hundred 0:17:48.680 --> 0:17:51.320 and twenty five thousand dollars a student loan debt, but 0:17:51.359 --> 0:17:53.080 at the same time she wants to start saving for 0:17:53.119 --> 0:17:56.960 retirement and remodel her house. But in addition to having 0:17:56.960 --> 0:17:59.520 that one hundred and twenty five thousand dollars student loan debt, 0:17:59.560 --> 0:18:02.400 she also so has two cars apparently she's paying off. 0:18:02.400 --> 0:18:04.720 I'm gonna guess maybe one belongs to her teenage son. 0:18:06.600 --> 0:18:08.920 So she wants to know, well, a financial planner help 0:18:08.960 --> 0:18:10.560 her kind of get a handle on things so she 0:18:10.600 --> 0:18:12.760 feels like she's saving for the future and also paying 0:18:12.800 --> 0:18:18.720 down her Debtah. 0:18:16.840 --> 0:18:20.280 I mean, well, honestly, I think a financial a financial 0:18:20.320 --> 0:18:23.240 professional is always a good idea, honestly because if you 0:18:23.240 --> 0:18:25.880 have questions, I feel like, you know, I've been struggling 0:18:25.880 --> 0:18:28.760 to find like the perfect one. Just because you can 0:18:28.800 --> 0:18:30.919 make a lot of money, But it doesn't mean that 0:18:31.040 --> 0:18:32.720 you don't need to just kind of tap someone on 0:18:32.760 --> 0:18:36.159 the shoulder and ask for some professional advice, because to me, 0:18:36.200 --> 0:18:39.200 it just sounds like you need someone to help organize 0:18:39.680 --> 0:18:42.920 in what order do you want to put your financial priorities. 0:18:42.920 --> 0:18:46.240 There's no judgment on that. It's just like asking kind 0:18:46.240 --> 0:18:48.879 of like, well, what's most important and then putting it 0:18:48.960 --> 0:18:51.960 in an order and then working on it in that 0:18:52.000 --> 0:18:55.240 particular order based upon what you're what your goals are. 0:18:57.119 --> 0:19:00.240 It sounds like to me that the least not I 0:19:00.240 --> 0:19:02.520 want to say least important, but maybe least kind of 0:19:02.600 --> 0:19:06.800 like urgent is the house renovation, because I'm assuming of 0:19:06.880 --> 0:19:09.240 the cars, she's paying the car off or she's getting. 0:19:08.960 --> 0:19:13.600