Latest / The Table with Anthony ONeal / They Met On Tinder, Now Owe $100,000 w/ a Baby on the Way! (But We Fixed It)

Transcript

They Met On Tinder, Now Owe $100,000 w/ a Baby on the Way! (But We Fixed It) · The Table with Anthony ONeal

• 0:00
  [SPEAKER_02]: Are you on, Deja?
• 0:01
  [SPEAKER_02]: Welcome to the table.
• 0:02
  [SPEAKER_02]: Thank you for having us.
• 0:03
  [SPEAKER_02]: Man, listen, I just got to say, Deja, when you walk down, you look so good, it says, I just love seeing our sisters, man, because y'all get to do something that just men, we just don't get to do.
• 0:15
  [SPEAKER_02]: Right.
• 0:16
  [SPEAKER_02]: You know, and the hell that y'all have to go through, still with the sky, carrying a human being.
• 0:26
  [SPEAKER_02]: How does that feel?
• 0:31
  [SPEAKER_05]: I think at first, it's a little nerve wracking because you have the anxiousness, the unexpected, especially your first kid.
• 0:38
  [SPEAKER_05]: You know, everything is going through your mind, you're like, oh my God, what is this?
• 0:42
  [SPEAKER_05]: What's happening?
• 0:42
  [SPEAKER_05]: and all these changes with your body.
• 0:45
  [SPEAKER_05]: But as the months go forward, I think you start to come into your motherhood.
• 0:49
  [SPEAKER_05]: I mean, it's, it's, it's God given.
• 0:51
  [SPEAKER_05]: It's what you, our bodies are created to, to sustain life.
• 0:56
  [SPEAKER_05]: So I think I thought, wow, you start to tap into, okay, Lord, you've called me to this.
• 1:00
  [SPEAKER_05]: What does this look like?
• 1:01
  [SPEAKER_05]: What should I be, you know, what should I not be, how should I be moving?
• 1:03
  [SPEAKER_05]: You just start to kind of flow with Holy Spirit and it all works out.
• 1:07
  [SPEAKER_02]: The young man, you gotta see it in this amazing woman, brother.
• 1:11
  [SPEAKER_02]: Yeah.
• 1:11
  [SPEAKER_02]: How you feel, bro?
• 1:13
  [SPEAKER_02]: Thirty-one, right?
• 1:14
  [SPEAKER_02]: Just turn it thirty-two.
• 1:15
  [SPEAKER_02]: Just turn it thirty-two.
• 1:17
  [SPEAKER_02]: Congrats, man.
• 1:17
  [SPEAKER_02]: Happy birthday.
• 1:18
  [SPEAKER_02]: Happy birthday.
• 1:19
  [SPEAKER_02]: How you feel, bro?
• 1:20
  [SPEAKER_02]: Knowing that you have a baby on the way.
• 1:23
  [SPEAKER_03]: I'll say this.
• 1:24
  [SPEAKER_03]: I've never been around a pregnant woman before.
• 1:28
  [SPEAKER_03]: So, really like learning this experience and seeing it firsthand for the first time, like days are said, like, it's a guy thing, like just seeing the changes emotionally, physically mentally, and someone that's so close to you, yeah.
• 1:47
  [SPEAKER_03]: It really kind of leveled up my appreciation for, you know,
• 1:52
  [SPEAKER_03]: All the things that she has to combat physically and mentally and still bring forth her best self.
• 2:00
  [SPEAKER_03]: So it's really been a moment for me to just get out of the way and look at God moving on her.
• 2:07
  [SPEAKER_03]: And that's really been the best part.
• 2:08
  [SPEAKER_02]: Yeah, I mean, it's so funny that you say that because it's like dang, man.
• 2:16
  [SPEAKER_02]: Y'all do.
• 2:17
  [SPEAKER_02]: You still got to be a wife.
• 2:19
  [SPEAKER_02]: I can grasp here.
• 2:19
  [SPEAKER_02]: I recently just got married.
• 2:21
  [SPEAKER_02]: you have to endure these body changes.
• 2:26
  [SPEAKER_02]: And you still gotta work.
• 2:29
  [SPEAKER_02]: Still gotta be a friend.
• 2:31
  [SPEAKER_02]: Still gotta be a daughter.
• 2:33
  [SPEAKER_02]: Still gotta be a sister if you have siblings.
• 2:36
  [SPEAKER_02]: You know, you still gotta do all this stuff while dealing with the internal.
• 2:39
  [SPEAKER_02]: And I'm just like, I don't know how we could do that.
• 2:45
  [SPEAKER_02]: You know, I just, I just don't.
• 2:47
  [SPEAKER_02]: And every time I see a pregnant woman,
• 2:51
  [SPEAKER_02]: and especially a black pregnant woman saying that respectfully.
• 2:54
  [SPEAKER_02]: It just, it just, it just gusts checked me a little bit.
• 2:58
  [SPEAKER_02]: So I just want to say congratulations.
• 2:59
  [SPEAKER_02]: Thank you.
• 3:00
  [SPEAKER_02]: You look amazing and congrats both of y'all.
• 3:02
  [SPEAKER_02]: Appreciate it.
• 3:03
  [SPEAKER_02]: But y'all didn't come here to talk about it.
• 3:06
  [SPEAKER_02]: Y'all came here because you all are in an interesting season.
• 3:11
  [SPEAKER_02]: All right.
• 3:15
  [SPEAKER_02]: You're about to give birth to a beautiful baby girl and about three weeks at the time of recording this.
• 3:21
  [SPEAKER_02]: At the time of release, you might be in the hospital.
• 3:24
  [SPEAKER_05]: Potentially.
• 3:24
  [SPEAKER_02]: Potentially.
• 3:27
  [SPEAKER_02]: So, daughter, I saw you about three weeks before you was born.
• 3:32
  [SPEAKER_02]: This called me Uncle A.O.
• 3:34
  [SPEAKER_02]: and it's going to be good.
• 3:35
  [SPEAKER_02]: Let's be honest, most people are stressed and stuck in the paycheck to paycheck cycle because they were never taught of money actually worth.
• 3:45
  [SPEAKER_02]: That is exactly why I built this channel.
• 3:48
  [SPEAKER_02]: Every week, my team and I are breaking down how to master your money, how to get out of that safe, invest, and build wealth without borrowing a dime.
• 3:58
  [SPEAKER_02]: No fluff, no hype.
• 3:59
  [SPEAKER_02]: Just real money content actually helps you win.
• 4:03
  [SPEAKER_02]: financially.
• 4:04
  [SPEAKER_02]: You see, because money impacts every aspect of our lives, our peace, our relationships, and even our future.
• 4:10
  [SPEAKER_02]: If you don't take control of it, it will look control you.
• 4:13
  [SPEAKER_02]: And if you're tired of just surviving and you're ready to build wealth, guys way, you're in the right place.
• 4:19
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• 4:26
  [SPEAKER_02]: Now, when we hit a million on YouTube, we're giving away thirty thousand dollars to help you get out of debt in the start building legacy.
• 4:32
  [SPEAKER_02]: So let's just watch.
• 4:34
  [SPEAKER_02]: Hit that subscribe, family.
• 4:36
  [SPEAKER_02]: Join this community.
• 4:37
  [SPEAKER_02]: Let's build real wealth.
• 4:39
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• 4:43
  [SPEAKER_02]: It's your boy.
• 4:44
  [SPEAKER_02]: Let's subscribe.
• 4:45
  [SPEAKER_02]: Let's get back to the show.
• 4:48
  [SPEAKER_02]: But you are reached out, man.
• 4:49
  [SPEAKER_02]: And you all are in a... How would you all say?
• 4:54
  [SPEAKER_02]: We all said it's a tough situation.
• 4:56
  [SPEAKER_02]: This is a life adjustment.
• 4:58
  [SPEAKER_02]: Like, what would you say your current financial situation is?
• 5:03
  [SPEAKER_03]: I would say at first, it was a tough situation, but I think it became a thing that we both became at peace with.
• 5:13
  [SPEAKER_03]: And we realized that we both don't want to live our life in a way that is shackled by debt.
• 5:22
  [SPEAKER_03]: And I think with that realization from the both of us, it's like, okay, this is a heavy mountain, but we've heard of worse.
• 5:30
  [SPEAKER_03]: We've seen worse.
• 5:33
  [SPEAKER_03]: It's not really anything that we can push through.
• 5:36
  [SPEAKER_02]: Got it.
• 5:37
  [SPEAKER_02]: So let's break down the money so the people can see it.
• 5:40
  [SPEAKER_02]: Um, and I want to say thank you all for trusting us in the community.
• 5:44
  [SPEAKER_02]: Um, I'm not, uh, I'm tell you a friend.
• 5:47
  [SPEAKER_02]: I don't attack nothing because I love y'all.
• 5:49
  [SPEAKER_02]: Y'all my brothers and my sisters in Christ, right?
• 5:51
  [SPEAKER_02]: And I want to help y'all win.
• 5:52
  [SPEAKER_02]: Um, so right now, correct me if this is his change.
• 5:58
  [SPEAKER_02]: Uh, right now I have you all down making about a hundred and twenty five thousand a year as a couple, right?
• 6:03
  [SPEAKER_05]: Yes.
• 6:04
  [SPEAKER_02]: That that's just good income.
• 6:06
  [SPEAKER_02]: Do you know, but you live here in DMV area.
• 6:09
  [SPEAKER_04]: Yes.
• 6:11
  [SPEAKER_02]: So really one twenty five in the DMB area.
• 6:15
  [SPEAKER_02]: It ain't as is good money, but it's not what it will be in Texas.
• 6:22
  [SPEAKER_02]: So I get you on that part.
• 6:23
  [SPEAKER_02]: What would you say y'all's total average debt is?
• 6:27
  [SPEAKER_02]: I have all of it here.
• 6:28
  [SPEAKER_02]: So what would you say your your total debt is?
• 6:31
  [SPEAKER_05]: Right now it's about ninety six thousand ninety six thousand dollars in debt.
• 6:36
  [SPEAKER_02]: Yes, man.
• 6:37
  [SPEAKER_02]: Okay, sorry.
• 6:38
  [SPEAKER_02]: So let's break it down and I'm going to read it.
• 6:40
  [SPEAKER_02]: Tell me if this has changed, right?
• 6:42
  [SPEAKER_02]: We got about thirty five hundred dollars in credit cards.
• 6:46
  [SPEAKER_02]: Well, another five thousand and another credit card.
• 6:51
  [SPEAKER_02]: Yes.
• 6:51
  [SPEAKER_02]: So we have two credit cards.
• 6:53
  [SPEAKER_04]: Yes.
• 6:54
  [SPEAKER_02]: Okay, all right.
• 6:55
  [SPEAKER_02]: Then we have a family loan, which is about seven to eight hundred dollars, seven nine hundred dollars.
• 7:00
  [SPEAKER_02]: A personal loan was about ten thousand.
• 7:03
  [SPEAKER_02]: Then another personal loan was about twenty two thousand.
• 7:08
  [SPEAKER_02]: Now this car here that I'm seeing at twenty five thousand about, yeah, twenty five thousand six hundred.
• 7:12
  [SPEAKER_02]: Is that two cars or one car?
• 7:14
  [SPEAKER_02]: That's one car.
• 7:14
  [SPEAKER_05]: That's one car.
• 7:16
  [SPEAKER_05]: That's an accurate.
• 7:21
  [SPEAKER_01]: You're beyond.
• 7:22
  [SPEAKER_01]: She let it do swing right now.
• 7:23
  [SPEAKER_01]: She said, oh, you're a middle fan.
• 7:25
  [SPEAKER_01]: They are.
• 7:33
  [SPEAKER_02]: I mean, I'm an accurate guy, man.
• 7:35
  [SPEAKER_02]: That was my first, you know, real car.
• 7:37
  [SPEAKER_02]: What kind of accurate is that?
• 7:38
  [SPEAKER_02]: It was a, it's an RDX.
• 7:40
  [SPEAKER_02]: It's an RDX.
• 7:40
  [SPEAKER_02]: A, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a
• 8:01
  [SPEAKER_02]: And I said it respectfully because when you look at education, black women are on the rise in that area.
• 8:07
  [SPEAKER_02]: You know, y'all, y'all lead us in that area, right?
• 8:11
  [SPEAKER_02]: You all are more educated, but it also means that you all come to the student loan.
• 8:15
  [SPEAKER_02]: Did you finish your degree?
• 8:17
  [SPEAKER_05]: I did.
• 8:17
  [SPEAKER_02]: Okay, what do you get degree in?
• 8:19
  [SPEAKER_05]: Business administration, concentration and management.
• 8:21
  [SPEAKER_02]: Wow.
• 8:22
  [SPEAKER_02]: That's good.
• 8:23
  [SPEAKER_02]: Where'd you get it from?
• 8:23
  [SPEAKER_05]: Christopher Newport University.
• 8:27
  [SPEAKER_01]: It's okay.
• 8:27
  [SPEAKER_02]: It's okay.
• 8:28
  [SPEAKER_02]: It's okay.
• 8:28
  [SPEAKER_01]: It's okay.
• 8:29
  [SPEAKER_01]: It's okay.
• 8:30
  [SPEAKER_02]: So that's twenty six thousand.
• 8:32
  [SPEAKER_02]: All right.
• 8:32
  [SPEAKER_02]: So that's roughly right there at at a hundred thousand.
• 8:36
  [SPEAKER_02]: Now without putting too much personal information out there, right?
• 8:41
  [SPEAKER_02]: I got to ask this question.
• 8:42
  [SPEAKER_02]: We got a family loan.
• 8:43
  [SPEAKER_02]: We have three personal loans.
• 8:44
  [SPEAKER_02]: The family loan personal loan, the personal loan.
• 8:47
  [SPEAKER_02]: Did you all use any of that for your wedding?
• 8:48
  [SPEAKER_05]: No, we cash flowed our wedding.
• 8:50
  [SPEAKER_02]: You cash flowed the wedding.
• 8:51
  [SPEAKER_02]: How much did you all spend for the wedding?
• 8:52
  [SPEAKER_02]: About fifteen and sixteen.
• 8:54
  [SPEAKER_05]: Yeah.
• 8:55
  [SPEAKER_02]: And you all cash flowed it.
• 8:59
  [SPEAKER_02]: What do we do with these?
• 9:01
  [SPEAKER_02]: Are these just personal things to get rid of bills?
• 9:03
  [SPEAKER_02]: Was it medical stuff?
• 9:04
  [SPEAKER_02]: Like, what do we have around that area?
• 9:06
  [SPEAKER_03]: So two of the biggest, the largest ones are mine.
• 9:08
  [SPEAKER_03]: Okay.
• 9:09
  [SPEAKER_03]: When I moved out, of course, maybe a year and a half in, okay, each of that completely blue.
• 9:17
  [SPEAKER_03]: I didn't have air in the heat of the summer.
• 9:22
  [SPEAKER_03]: So I just took out a loan to get you a brand new aspect.
• 9:26
  [SPEAKER_03]: Exactly.
• 9:26
  [SPEAKER_03]: Okay.
• 9:28
  [SPEAKER_03]: And then...
• 9:30
  [SPEAKER_03]: probably less necessary.
• 9:34
  [SPEAKER_03]: But we're planning to move out, you know, take the equity from this house.
• 9:38
  [SPEAKER_03]: Okay.
• 9:39
  [SPEAKER_03]: But before our next house, but I decided to get the kitchen redone and took out as a home we're not alone.
• 9:46
  [SPEAKER_03]: Right.
• 9:46
  [SPEAKER_03]: Right.
• 9:46
  [SPEAKER_03]: Right.
• 9:48
  [SPEAKER_03]: And then the last one, I think that's, is that you're the, you talk to your dad.
• 9:55
  [SPEAKER_03]: Yes.
• 9:55
  [SPEAKER_03]: Yes.
• 9:55
  [SPEAKER_03]: Yes.
• 9:55
  [SPEAKER_03]: Yes.
• 9:58
  [SPEAKER_02]: Okay.
• 9:58
  [SPEAKER_02]: All right.
• 9:59
  [SPEAKER_02]: So we got remodeling, HVAC.
• 10:02
  [SPEAKER_02]: HVAC is in the house as you all live in right now.
• 10:05
  [SPEAKER_02]: And the remodels in the home of you live right now.
• 10:09
  [SPEAKER_02]: If I'm not mistaken, that was your home first, right?
• 10:12
  [SPEAKER_02]: Your home.
• 10:13
  [SPEAKER_02]: Okay.
• 10:14
  [SPEAKER_02]: It's good.
• 10:14
  [SPEAKER_02]: It's good.
• 10:15
  [SPEAKER_02]: It's good.
• 10:15
  [SPEAKER_02]: I'm feeling good over here, Deon.
• 10:17
  [SPEAKER_02]: Okay.
• 10:17
  [SPEAKER_02]: I'm feeling good.
• 10:17
  [SPEAKER_02]: All right.
• 10:18
  [SPEAKER_02]: All right.
• 10:18
  [SPEAKER_02]: And so...
• 10:21
  [SPEAKER_02]: When you said you moved out, that's why I said that, moved out of your parents' house?
• 10:25
  [SPEAKER_02]: Yeah, moved out from family.
• 10:26
  [SPEAKER_03]: Yeah.
• 10:27
  [SPEAKER_02]: Okay.
• 10:27
  [SPEAKER_02]: Got your own house?
• 10:28
  [SPEAKER_02]: Yeah.
• 10:29
  [SPEAKER_02]: And you had to fix up the house.
• 10:30
  [SPEAKER_02]: Right.
• 10:31
  [SPEAKER_02]: Boom.
• 10:32
  [SPEAKER_02]: So we didn't want wife to come in to a high house.
• 10:35
  [SPEAKER_02]: Yeah.
• 10:36
  [SPEAKER_02]: Yeah.
• 10:37
  [SPEAKER_02]: Whoa, whoa.
• 10:37
  [SPEAKER_02]: We don't want that crazy.
• 10:38
  [SPEAKER_02]: Yeah, yeah.
• 10:39
  [SPEAKER_02]: We don't want that.
• 10:40
  [SPEAKER_02]: Okay, cool.
• 10:41
  [SPEAKER_02]: So now we took out a remodel loan to get the kitchen updated.
• 10:46
  [SPEAKER_02]: I'm guessing this is the older home.
• 10:47
  [SPEAKER_03]: Yeah.
• 10:48
  [SPEAKER_02]: Okay, cool, great.
• 10:48
  [SPEAKER_02]: How much do you own on?
• 10:50
  [SPEAKER_03]: Right now, we're about a two ten, two hundred ten thousand.
• 10:54
  [SPEAKER_02]: Two ten, okay?
• 10:55
  [SPEAKER_03]: And how much is the home worthy thing?
• 10:59
  [SPEAKER_03]: Estimated a three hundred and five, three hundred and five, okay?
• 11:05
  [SPEAKER_02]: And... Cause I don't like putting in personal information out there.
• 11:12
  [SPEAKER_02]: Y'all know the state that I live in in the DMB?
• 11:14
  [SPEAKER_05]: Mm-hmm.
• 11:15
  [SPEAKER_02]: Okay.
• 11:17
  [SPEAKER_05]: I kind of guess I don't know for sure.
• 11:20
  [SPEAKER_05]: They don't like that.
• 11:22
  [SPEAKER_05]: Yeah.
• 11:22
  [SPEAKER_02]: Okay.
• 11:23
  [SPEAKER_02]: If you're ninety five percent sure, are you on the same state as me?
• 11:27
  [SPEAKER_05]: Yes.
• 11:27
  [SPEAKER_02]: Okay.
• 11:28
  [SPEAKER_05]: I think so.
• 11:28
  [SPEAKER_02]: All right.
• 11:29
  [SPEAKER_02]: Cool.
• 11:30
  [SPEAKER_02]: So damn if that's the case then.
• 11:32
  [SPEAKER_02]: So that means that we're looking at at ninety eight thousand dollars in equity.
• 11:36
  [SPEAKER_02]: You're going to have to pay.
• 11:39
  [SPEAKER_02]: You probably lose about twenty of that.
• 11:43
  [SPEAKER_06]: Mm-hmm.
• 11:44
  [SPEAKER_02]: With all the fees, we gotta pay within our particular state.
• 11:47
  [SPEAKER_02]: So we're looking at about seven to eight K and equity in the home.
• 11:53
  [SPEAKER_02]: That will be in your pocket.
• 11:55
  [SPEAKER_02]: I think if you're estimating three, oh wait, I think you can get three, ten or three, fifteen with the right, with the right person and remind me to connect y'all my people.
• 12:03
  [SPEAKER_02]: If y'all don't have someone, if y'all got someone, please use them.
• 12:05
  [SPEAKER_02]: If y'all don't, then my guys will, they can get you, they can get you there.
• 12:09
  [SPEAKER_02]: All right, cool.
• 12:10
  [SPEAKER_02]: So now we're going to estimate you're going to be right around seventy eight k and equity in the home.
• 12:16
  [SPEAKER_02]: We're at a hundred thousand dollars in debt.
• 12:21
  [SPEAKER_02]: with a hundred and twenty five thousand dollars of mud gross income.
• 12:26
  [SPEAKER_02]: So net income, I would say newly married.
• 12:31
  [SPEAKER_02]: You all just got married this year.
• 12:33
  [SPEAKER_02]: So you'll see the benefits of that next year on taxes.
• 12:36
  [SPEAKER_02]: You all are probably saying about a hundred thousand dollars of net, which I'll say that's about right.
• 12:42
  [SPEAKER_02]: That's about.
• 12:42
  [SPEAKER_02]: Okay.
• 12:43
  [SPEAKER_02]: All right, cool.
• 12:44
  [SPEAKER_02]: So literally we are breaking even with income and debt.
• 12:49
  [SPEAKER_02]: All right, cool.
• 12:51
  [SPEAKER_02]: So the debt is the problem.
• 12:53
  [SPEAKER_02]: Car.
• 12:54
  [SPEAKER_02]: That's our second largest thing besides the student loans typically the student loans are the biggest thing.
• 13:01
  [SPEAKER_02]: Now, the credit cards are small.
• 13:05
  [SPEAKER_02]: But credit cards are small was as we know that you all are putting
• 13:10
  [SPEAKER_02]: basic stuff on air, right?
• 13:12
  [SPEAKER_02]: Food, outings, maybe some clothes here and there, maybe even paying some of your bills on the credit card, right?
• 13:19
  [SPEAKER_05]: Actually, those cars that we're paying off now, those two, they, it was, they're not even consumer debt.
• 13:26
  [SPEAKER_05]: It was just stuff going on around the house that needed to be taken care of.
• 13:30
  [SPEAKER_05]: For real.
• 13:30
  [SPEAKER_05]: Yeah.
• 13:31
  [SPEAKER_05]: So, this is good.
• 13:33
  [SPEAKER_02]: This is good information.
• 13:33
  [SPEAKER_02]: It sounds, let me ask this question.
• 13:37
  [SPEAKER_02]: How old are you all having savings?
• 13:38
  [SPEAKER_02]: Do your emergency fund?
• 13:39
  [SPEAKER_05]: One thousand dollars.
• 13:40
  [SPEAKER_05]: We're gonna babysat me.
• 13:40
  [SPEAKER_05]: Oh, y'all doing baby steps.
• 13:41
  [SPEAKER_05]: All right.
• 13:41
  [SPEAKER_05]: All right.
• 13:41
  [SPEAKER_02]: Cool.
• 13:42
  [SPEAKER_02]: Cool.
• 13:42
  [SPEAKER_02]: Cool.
• 13:42
  [SPEAKER_02]: Cool.
• 13:42
  [SPEAKER_02]: Cool.
• 13:42
  [SPEAKER_02]: Cool.
• 13:42
  [SPEAKER_02]: Cool.
• 13:42
  [SPEAKER_02]: Cool.
• 13:42
  [SPEAKER_02]: Cool.
• 13:42
  [SPEAKER_02]: Cool.
• 13:42
  [SPEAKER_02]: Cool.
• 13:43
  [SPEAKER_02]: Cool.
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• 13:52
  [UNKNOWN]: Cool.
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  [UNKNOWN]: Cool.
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  [UNKNOWN]: Cool.
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  [UNKNOWN]: Cool.
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  [UNKNOWN]: Cool.
• 13:59
  [UNKNOWN]: Cool.
• 14:00
  [UNKNOWN]: Cool.
• 14:00
  [UNKNOWN]: Cool.
• 14:02
  [SPEAKER_02]: I am going to, well, let me put like this before I give you all my thoughts.
• 14:07
  [SPEAKER_02]: I want to rewind.
• 14:07
  [SPEAKER_02]: I want to rewind and get a little bit of history of just YouTube before I kind of break out as hard, just a little bit.
• 14:18
  [SPEAKER_02]: Right?
• 14:19
  [SPEAKER_02]: Because I think it's important to know who I'm sitting across.
• 14:22
  [SPEAKER_02]: How long have you all been married?
• 14:23
  [SPEAKER_05]: This is a bit, uh, seven months later.
• 14:27
  [SPEAKER_02]: Eight months?
• 14:27
  [SPEAKER_02]: Eight months?
• 14:28
  [SPEAKER_02]: Eight months?
• 14:28
  [SPEAKER_02]: Eight months?
• 14:29
  [SPEAKER_02]: Okay.
• 14:29
  [SPEAKER_02]: Eight months.
• 14:30
  [SPEAKER_02]: How long have you all been together?
• 14:31
  [SPEAKER_05]: Seven years.
• 14:32
  [SPEAKER_02]: Seven years?
• 14:33
  [SPEAKER_02]: Okay, we'll be the same thing.
• 14:35
  [SPEAKER_02]: You need thirty-two.
• 14:35
  [SPEAKER_02]: Twenty-five.
• 14:36
  [SPEAKER_02]: Twenty-five.
• 14:37
  [SPEAKER_02]: That means you was twenty-two, twenty-two.
• 14:38
  [SPEAKER_02]: Yep.
• 14:38
  [SPEAKER_02]: Mm-hmm.
• 14:39
  [UNKNOWN]: Okay, okay.
• 14:39
  [SPEAKER_02]: How'd you tell me?
• 14:40
  [SPEAKER_02]: We met him.
• 14:40
  [SPEAKER_02]: We met him.
• 14:40
  [SPEAKER_02]: We met him.
• 14:41
  [SPEAKER_02]: We met him.
• 14:41
  [SPEAKER_02]: We met him.
• 14:41
  [SPEAKER_02]: We met him.
• 14:42
  [SPEAKER_02]: We met him.
• 14:42
  [SPEAKER_04]: We met him.
• 14:43
  [SPEAKER_04]: We met him.
• 14:43
  [SPEAKER_04]: We met him.
• 14:43
  [SPEAKER_02]: We met him.
• 14:44
  [SPEAKER_02]: We met him.
• 14:44
  [SPEAKER_02]: We met him.
• 14:44
  [SPEAKER_04]: We met him.
• 14:46
  [SPEAKER_04]: We met him.
• 14:46
  [SPEAKER_02]: We met him.
• 14:47
  [SPEAKER_02]: We met him.
• 14:47
  [SPEAKER_02]: We met him.
• 14:48
  [SPEAKER_02]: We met him.
• 14:48
  [SPEAKER_02]: We met him.
• 14:49
  [SPEAKER_01]: We met him.
• 14:49
  [SPEAKER_01]: We met him.
• 14:49
  [SPEAKER_01]: We met him.
• 14:50
  [SPEAKER_01]: We met him.
• 14:50
  [SPEAKER_01]: We met him.
• 14:50
  [SPEAKER_01]: We met him.
• 14:51
  [SPEAKER_01]: We met him.
• 14:51
  [SPEAKER_01]: We met him.
• 14:51
  [SPEAKER_03]: We met him.
• 14:52
  [SPEAKER_03]: We met him.
• 14:52
  [SPEAKER_01]: We met him.
• 14:53
  [SPEAKER_01]: We met him.
• 14:53
  [SPEAKER_01]: We met him.
• 14:53
  [SPEAKER_01]: We met him.
• 14:54
  [SPEAKER_01]: We met him.
• 14:54
  [SPEAKER_01]: We met him.
• 14:55
  [SPEAKER_03]: We met him.
• 14:55
  [SPEAKER_03]: We met him.
• 14:55
  [SPEAKER_03]: We met him.
• 14:56
  [SPEAKER_03]: We met him.
• 14:56
  [SPEAKER_02]: We met him.
• 14:57
  [SPEAKER_02]: We met him
• 14:58
  [SPEAKER_02]: How did that work?
• 15:00
  [SPEAKER_02]: I mean, y'all gotta tell me this part.
• 15:03
  [SPEAKER_02]: This is good.
• 15:05
  [SPEAKER_01]: Okay.
• 15:06
  [SPEAKER_03]: So for me, I had actually just got out of a long-term relationship.
• 15:11
  [SPEAKER_03]: Okay.
• 15:13
  [SPEAKER_03]: I wasn't looking for another long time relationship.
• 15:15
  [SPEAKER_03]: Okay.
• 15:17
  [SPEAKER_03]: You know, seeing what was out there, getting my line up situated.
• 15:21
  [SPEAKER_03]: Yeah.
• 15:24
  [SPEAKER_03]: And I mean, we just, we conversed, went to straight to text.
• 15:32
  [SPEAKER_03]: And we, we were literally talking like every day.
• 15:36
  [SPEAKER_03]: A real, just like that.
• 15:38
  [SPEAKER_03]: So when you swipe right, I super liked.
• 15:41
  [SPEAKER_01]: He's... He had to know.
• 15:46
  [SPEAKER_01]: He had to know.
• 15:48
  [SPEAKER_01]: Oh, man, I paid extra.
• 15:50
  [SPEAKER_01]: I paid extra to let her know.
• 15:52
  [SPEAKER_01]: That I super liked.
• 15:54
  [SPEAKER_02]: Yo, how did... So when you saw that, I think, super like, sends a direct message.
• 16:01
  [SPEAKER_05]: And of course, yep.
• 16:02
  [SPEAKER_02]: Okay.
• 16:04
  [SPEAKER_02]: Super light, sounds like a notification to you.
• 16:07
  [SPEAKER_02]: Did you get that?
• 16:08
  [SPEAKER_02]: Did you guess twice?
• 16:10
  [SPEAKER_02]: Did you swipe right when you saw it?
• 16:12
  [SPEAKER_05]: No, I was like, I don't know.
• 16:14
  [SPEAKER_05]: He's cute, okay?
• 16:15
  [SPEAKER_05]: Yeah.
• 16:16
  [SPEAKER_02]: And then how long before she swiped, did you slide in and be like, hello?
• 16:22
  [SPEAKER_03]: Uh, I think I did immediately.
• 16:24
  [SPEAKER_03]: Like, I didn't, I ain't really hold off.
• 16:27
  [SPEAKER_03]: I was just like, okay, yeah, best.
• 16:29
  [SPEAKER_03]: Like, I didn't waste my super light.
• 16:31
  [SPEAKER_01]: Hi, is that it?
• 16:33
  [SPEAKER_03]: Always for money now, here it comes.
• 16:36
  [SPEAKER_01]: Hey, who is?
• 16:37
  [SPEAKER_02]: I'm on a budget, not just playing.
• 16:39
  [SPEAKER_02]: All right, cool, man, that is amazing.
• 16:42
  [SPEAKER_02]: So from the Tom John Meton Tinder, to being into an actual relationship.
• 16:50
  [SPEAKER_02]: So now you say you was just chilling, which is trying to line up your options.
• 16:55
  [SPEAKER_02]: When did you get rid of all the other options and say, you know what?
• 16:58
  [SPEAKER_02]: Asia, I want you.
• 17:00
  [SPEAKER_03]: It was a progression.
• 17:03
  [SPEAKER_03]: I did slowly just, I didn't have an interest in the, you know, the rotation or, you know, talking to this, talking to this, talking to this, whatever.
• 17:13
  [SPEAKER_03]: Um, so it kind of naturally just went away that I was just exclusively talking to her.
• 17:19
  [SPEAKER_03]: Um, it was kind of funny like, um, you know, she had went on a cruise and was, I think it would tell me about some guy.
• 17:27
  [SPEAKER_03]: And I was like, uh, what you mean, some guy.
• 17:35
  [SPEAKER_03]: She, you know, rightfully so was like, I mean, we not, we're like, you went with a guy or you met a guy.
• 17:42
  [SPEAKER_05]: No, no, no.
• 17:43
  [SPEAKER_05]: So I went with my family.
• 17:45
  [SPEAKER_05]: And then when we got back, a guy asked me on a date when I got back in town.
• 17:49
  [SPEAKER_05]: And he was like, you going out with bells like you never said we was exclusive.
• 17:55
  [SPEAKER_05]: So I was still dating.
• 17:57
  [SPEAKER_02]: I can respect the.
• 18:01
  [SPEAKER_02]: the realness.
• 18:03
  [SPEAKER_02]: I can respect the truth.
• 18:05
  [SPEAKER_02]: Okay.
• 18:06
  [SPEAKER_02]: So you weren't having that, huh?
• 18:09
  [SPEAKER_03]: And I mean, I had to take my lunch, though, because she was right at the middle of the day.
• 18:14
  [SPEAKER_03]: And I wasn't, I hadn't become a vulnerable enough person to just be like, hey, Dave, I really like you.
• 18:21
  [SPEAKER_03]: Like, I don't want you to, you know, go on a day or anything like that.
• 18:24
  [SPEAKER_03]: So like she said, I was just hot.
• 18:26
  [SPEAKER_03]: Like, I was just like, okay, that's how you roll in cool.
• 18:31
  [SPEAKER_03]: But after that, I think you ended up not even going on the date.
• 18:38
  [SPEAKER_05]: I went on the day.
• 18:43
  [SPEAKER_05]: I did.
• 18:44
  [SPEAKER_05]: But after that, after we had the conversation and I understood how he felt about me a few weeks later, I was like, well, this is what we're going to do.
• 18:51
  [SPEAKER_05]: And we need to have a conversation of whether like you're going to be, we're going to be in a relationship or we're just going to be friends because staying in that middle ground was not, it was not healthy.
• 19:01
  [SPEAKER_05]: So that's what he was like, OK, and then we decided to be in a relationship and we can together.
• 19:06
  [SPEAKER_02]: That is so good.
• 19:08
  [SPEAKER_02]: I didn't know y'all met on Tinder.
• 19:11
  [SPEAKER_02]: That was not on the phone.
• 19:15
  [SPEAKER_02]: That is amazing.
• 19:16
  [SPEAKER_02]: And today's their time.
• 19:17
  [SPEAKER_02]: I mean, I think people had a thoughts about online data.
• 19:21
  [SPEAKER_02]: And then I know I have a lot of friends who have experienced online dating successfully and have been married like all.
• 19:30
  [SPEAKER_02]: And so I commend that.
• 19:32
  [SPEAKER_02]: So when you all started dating, I want to know this, what is the conversation you all have had around money?
• 19:39
  [SPEAKER_02]: Because what I do like from what I see.
• 19:43
  [SPEAKER_02]: is that it's from what I see on the money is y'all two coming together, right?
• 19:50
  [SPEAKER_02]: And so I love that part from a union perspective.
• 19:54
  [SPEAKER_02]: Don't like it from a numbers perspective.
• 19:56
  [SPEAKER_02]: I think you all know that.
• 19:57
  [SPEAKER_02]: But I like seeing it you two are together, right?
• 20:01
  [SPEAKER_02]: And I like that.
• 20:02
  [SPEAKER_02]: But I'm curious though, dated for seven years, why are you already dating?
• 20:08
  [SPEAKER_02]: What was the money conversation?
• 20:10
  [SPEAKER_02]: Did you all even have a money conversation?
• 20:13
  [SPEAKER_05]: Yeah, I think that we are conversation around money because I was still in college.
• 20:19
  [SPEAKER_05]: So I think it looked a little different because when we would talk about money, it would be a lot of, like we started to unravel some insecurities around money.
• 20:31
  [SPEAKER_05]: Like, you know, he was raised with these values when they came with money.
• 20:34
  [SPEAKER_05]: I was raised with these values.
• 20:36
  [SPEAKER_05]: and being a broke college student, I think for him, it was just like, I don't want you to experience going through this anymore.
• 20:44
  [SPEAKER_05]: So I wanted his love language was like taking care of me and like making sure I had enough food in the refrigerator to get through the week and all of those things.
• 20:52
  [SPEAKER_05]: And I had to get through a point of being like, it's okay to let this person help me.
• 20:58
  [SPEAKER_05]: And that throughout the years was something that we've had to constantly go through.
• 21:03
  [SPEAKER_05]: It's understanding that
• 21:06
  [SPEAKER_05]: it's okay for me now as his wife to let him be the head of the household when it comes to finances and that again started from the time we started dating up until now because I felt like the Lord has called me to stay home with our children and so I do have to while I work part time so I now have to be in a position understanding he used to head of our household financially
• 21:27
  [SPEAKER_05]: And this is the position I'm in.
• 21:29
  [SPEAKER_05]: I make sure to, you know, the budget is taking care of.
• 21:31
  [SPEAKER_05]: I make sure things around the house is taking care of and, you know, all those things.
• 21:35
  [SPEAKER_05]: And so I think when you're when you're dating with intentionality, you can learn to progress and see the progression and where the Lord is taking you.
• 21:43
  [SPEAKER_05]: So that would be my answer to that.
• 21:45
  [SPEAKER_02]: So let me ask you this question, Dionne.
• 21:46
  [SPEAKER_02]: What is the vision?
• 21:48
  [SPEAKER_02]: Because I think oftentimes when couples have, when couples sit down with me, I see their numbers, right?
• 21:54
  [SPEAKER_02]: And a lot of people, I'll get straight to the numbers.
• 21:56
  [SPEAKER_02]: That's just, that's just not a way to it.
• 21:58
  [SPEAKER_02]: The numbers are the numbers.
• 22:01
  [SPEAKER_02]: I think it's easier to change the dynamic deaths on this sheet of paper and y'all, they brought me all the proof bank statements.
• 22:10
  [SPEAKER_02]: I mean, I see it all.
• 22:12
  [SPEAKER_02]: And this is great.
• 22:15
  [SPEAKER_02]: But the on what's the vision for your family, man?
• 22:17
  [SPEAKER_02]: The next three to five years, you have a daughter on the way in a couple of weeks.
• 22:22
  [SPEAKER_02]: Your wife is saying, hey, God is telling us that I need to stay at home to raise my daughter in within the first few years.
• 22:30
  [SPEAKER_02]: That means you are gonna lose some sort of income, right?
• 22:36
  [SPEAKER_02]: And it's like, and I think for couples, the vision has to be aligned.
• 22:45
  [SPEAKER_02]: What is the have y'all sit down and act yourself?
• 22:48
  [SPEAKER_02]: Not the vision, though, we want to make a hundred thousand dollars, not none of them.
• 22:52
  [SPEAKER_02]: But the next three to five years, what is where is this family going to be?
• 22:57
  [SPEAKER_02]: Like, what is our focus?
• 22:59
  [SPEAKER_02]: Where are we going?
• 23:00
  [SPEAKER_02]: What is our mission?
• 23:01
  [SPEAKER_03]: I think overall, it's like you said, it's a little bit outside of the numbers for us right now.
• 23:09
  [SPEAKER_03]: And that we are really trying to keep our ear to God's voice and where he's having us to be and to go.
• 23:19
  [SPEAKER_03]: And we truly believe for our respective families that we are
• 23:24
  [SPEAKER_03]: chain breakers.
• 23:26
  [SPEAKER_03]: We are in a space to break generational curses.
• 23:29
  [SPEAKER_03]: Things that have played our families for generations.
• 23:34
  [SPEAKER_03]: Even baby girl here is already little does she know breaking chains.
• 23:41
  [SPEAKER_03]: And I think the division for our household is just continuing to keep our ear to where God is leading us to because we've seen them done.
• 23:52
  [SPEAKER_03]: Just like we were talking about cash flowing the wedding, you know, the honeymoon continuously providing.
• 23:59
  [SPEAKER_03]: So it's just making sure we stay intentional about not making it about us, but keeping our ear to God's voice and everything he has for our lives.
• 24:09
  [SPEAKER_03]: Love it.
• 24:09
  [SPEAKER_03]: Did you miss anything?
• 24:10
  [SPEAKER_02]: No, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did me, he did
• 24:29
  [SPEAKER_02]: But here's what I've discovered.
• 24:32
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• 24:40
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• 24:44
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• 24:45
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• 24:46
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• 24:48
  [SPEAKER_02]: They help you build credit the right way without the debt track.
• 24:52
  [SPEAKER_02]: I've seen people go from no credit to a seven hundred plus score using their system and they did it completely debt-free.
• 25:00
  [SPEAKER_02]: So one more time, completely debt-free.
• 25:02
  [SPEAKER_02]: Overall, a hundred and fifty thousand people have left five star reviews on an app store.
• 25:07
  [SPEAKER_02]: users see an average of three to four points increase in their credit score.
• 25:10
  [SPEAKER_02]: Some even see watch this up to eighty four points within the first twelve months.
• 25:14
  [SPEAKER_02]: These aren't just numbers.
• 25:16
  [SPEAKER_02]: These are real people getting approved for homes and getting better interest rates.
• 25:20
  [SPEAKER_02]: Here's the shirt.
• 25:21
  [SPEAKER_02]: Every month you wait is another month of paying higher interest rates on everything.
• 25:26
  [SPEAKER_02]: A good credit score can save you.
• 25:28
  [SPEAKER_02]: A lot of money.
• 25:29
  [SPEAKER_02]: Thousands on a mortgage, hundreds on car insurance and even help you skip the security deposits.
• 25:36
  [SPEAKER_02]: Don't let bad credit cost you money.
• 25:38
  [SPEAKER_02]: I want you to visit anthonyo.com for Sasuke Golf right now to get started for his little ass one dollar on your first month.
• 25:45
  [SPEAKER_02]: I want you to build credit that debt freeway because your future self will thank you.
• 25:50
  [SPEAKER_02]: Okay, so
• 25:55
  [SPEAKER_02]: I love you all.
• 25:56
  [SPEAKER_02]: This is where I got to be A.O.
• 25:58
  [SPEAKER_02]: now.
• 25:58
  [SPEAKER_02]: All right.
• 26:00
  [SPEAKER_02]: This is where I got to be A.O.
• 26:02
  [SPEAKER_02]: and definitely going to say with love.
• 26:05
  [SPEAKER_02]: So one of the things that I have challenges with in the finance space when I sit down with couples, especially couples, as intelligently smart and God fairness, you all, I hear spiritual.
• 26:18
  [SPEAKER_02]: I don't sometimes hear practical.
• 26:20
  [SPEAKER_02]: All right, so I heard here to God, great generational nurses, right?
• 26:25
  [SPEAKER_02]: Earlier you said budgeting I smelled.
• 26:28
  [SPEAKER_02]: But I didn't hear that innovation.
• 26:31
  [SPEAKER_02]: So I think for me, one of the things I really want to challenge you all to do as a couple is there is the faith component.
• 26:37
  [SPEAKER_02]: I sense that I know that that you all are rooted in a spiritual foundation.
• 26:42
  [SPEAKER_02]: And I was beyond switch to Dehyme and as a man to man, I think that's important for us because we are responsible for our homes, right?
• 26:51
  [SPEAKER_02]: It's just me and a black dog at home.
• 26:54
  [SPEAKER_02]: All right, so I'm responsible for my home.
• 26:56
  [SPEAKER_02]: The moment I get married and the moment I have a kid in it and we are all about the same house.
• 27:03
  [SPEAKER_02]: Well, yeah, I am the priest and the king of that home.
• 27:06
  [SPEAKER_02]: My wife is the queen of that home.
• 27:11
  [SPEAKER_02]: She's not a lesser vessel.
• 27:13
  [SPEAKER_02]: She's just a different kind of vessel.
• 27:14
  [SPEAKER_02]: Yeah, right?
• 27:15
  [SPEAKER_02]: And so I think the vision does start with us.
• 27:19
  [SPEAKER_02]: So God factor, I love it.
• 27:21
  [SPEAKER_02]: I love it.
• 27:23
  [SPEAKER_02]: But Christians are still broke.
• 27:25
  [SPEAKER_03]: Absolutely.
• 27:25
  [SPEAKER_02]: And I think sometimes we're still broke because we always lead with the God and God and God.
• 27:33
  [SPEAKER_02]: But then we do not, and if my mom is watching this show, she is laughing.
• 27:37
  [SPEAKER_02]: Because I said, it's in my mom all the time.
• 27:38
  [SPEAKER_02]: I'm like, mom, you can't pray your way out of bed.
• 27:42
  [SPEAKER_02]: We can't, we can't shout and scream and shout by by each other.
• 27:46
  [SPEAKER_02]: I don't know what I just said, right?
• 27:48
  [SPEAKER_02]: That was not tongues.
• 27:49
  [SPEAKER_02]: I ain't gonna play with God like that, but we can't do that.
• 27:53
  [SPEAKER_02]: So what are the things I really want to challenge you all to do?
• 27:55
  [SPEAKER_02]: And I'm gonna send you all, because Ed remind me to send them this book.
• 27:59
  [SPEAKER_02]: I'm gonna send you all this journal.
• 28:02
  [SPEAKER_02]: It's a couple's journal that I really want you all to sit down before the baby comes.
• 28:08
  [SPEAKER_02]: And inside of it is going to ask you ten questions from a practical standpoint.
• 28:13
  [SPEAKER_02]: By this time next year, how much money do we want our savings account?
• 28:17
  [SPEAKER_02]: By this time next year, how much debt do we want to pay on?
• 28:22
  [SPEAKER_02]: By this time next year,
• 28:25
  [SPEAKER_02]: is she still working?
• 28:27
  [SPEAKER_02]: Is she not working?
• 28:29
  [SPEAKER_02]: By this time, three years from now, how much went we went our savings account?
• 28:34
  [SPEAKER_02]: So what I want to do is write the vision make a plan.
• 28:36
  [SPEAKER_02]: We know that, right?
• 28:37
  [SPEAKER_02]: And then what we're going to do is work backwards from that.
• 28:40
  [SPEAKER_02]: And that's how we're going to get out of this hundred thousand dollars in debt very, very quickly.
• 28:45
  [SPEAKER_02]: So that's the very first thing.
• 28:47
  [SPEAKER_02]: Keep the spiritual and right, the spiritual vision, because there is a sanction in there, we're going to ask you, what does God tell you about your family?
• 28:54
  [SPEAKER_02]: And that's spiritual.
• 28:56
  [SPEAKER_02]: You know, like, like, I, I never want to blind side that because I was saying the same thing.
• 29:02
  [SPEAKER_02]: If I just heard all this, this, this, this, this, this, this, this is an issue from a practical standpoint.
• 29:06
  [SPEAKER_02]: And I didn't hear nothing about God.
• 29:08
  [SPEAKER_02]: I'd be like, but what is God telling you?
• 29:09
  [SPEAKER_02]: You know, you have a baby coming up.
• 29:12
  [SPEAKER_02]: What does God tell you about your daughter?
• 29:14
  [SPEAKER_02]: And it's a question that y'all should have.
• 29:16
  [SPEAKER_02]: Like, you know what I'm saying?
• 29:17
  [SPEAKER_02]: Like, what is God telling us about our daughter?
• 29:19
  [SPEAKER_02]: Like,
• 29:20
  [SPEAKER_02]: Who will help?
• 29:22
  [SPEAKER_02]: And then when God is telling you that, and I can't give relationship advice, my fingers are okay, cool.
• 29:28
  [SPEAKER_02]: Now how do we help our daughter get there?
• 29:32
  [SPEAKER_02]: What does God tell them about our family?
• 29:33
  [SPEAKER_02]: Our family's gonna be generational.
• 29:34
  [SPEAKER_02]: We're gonna break generational curves.
• 29:35
  [SPEAKER_02]: Okay, cool, great.
• 29:36
  [SPEAKER_02]: How do we practically get there?
• 29:39
  [SPEAKER_02]: Right?
• 29:39
  [SPEAKER_02]: Probably example.
• 29:40
  [SPEAKER_02]: Did your parents give you a hundred thousand dollars when you graduated high school?
• 29:43
  [SPEAKER_02]: No.
• 29:44
  [SPEAKER_02]: Did your parents give you a hundred thousand dollars?
• 29:45
  [SPEAKER_02]: No.
• 29:46
  [SPEAKER_02]: Do you believe that your parents love you?
• 29:48
  [SPEAKER_02]: Do you?
• 29:48
  [SPEAKER_02]: Do you?
• 29:48
  [SPEAKER_02]: Do you?
• 29:49
  [SPEAKER_02]: Do you?
• 29:49
  [SPEAKER_02]: Do you?
• 29:49
  [SPEAKER_02]: Do you?
• 29:49
  [SPEAKER_02]: Do you?
• 29:49
  [SPEAKER_02]: Do you?
• 29:49
  [SPEAKER_02]: Do you?
• 29:50
  [SPEAKER_02]: Do you?
• 29:50
  [SPEAKER_02]: Do you?
• 29:50
  [SPEAKER_02]: Do you?
• 29:50
  [SPEAKER_02]: Do you?
• 29:50
  [SPEAKER_02]: Do you?
• 29:50
  [SPEAKER_02]: Do you?
• 29:50
  [UNKNOWN]: Do you?
• 29:51
  [UNKNOWN]: Do you?
• 29:51
  [UNKNOWN]: Do you?
• 29:51
  [UNKNOWN]: Do you?
• 29:51
  [UNKNOWN]: Do you?
• 29:51
  [UNKNOWN]: Do you?
• 29:51
  [SPEAKER_02]: Do you?
• 29:52
  [SPEAKER_02]: Do you?
• 29:52
  [SPEAKER_02]: Do you?
• 29:52
  [SPEAKER_02]: Do you?
• 29:54
  [SPEAKER_02]: Do you?
• 29:54
  [SPEAKER_02]: Do you?
• 29:54
  [SPEAKER_02]: Do you?
• 29:54
  [SPEAKER_02]: Do you?
• 29:55
  [SPEAKER_02]: Do you?
• 29:55
  [SPEAKER_02]: Do you?
• 29:55
  [SPEAKER_02]: Do you?
• 29:57
  [SPEAKER_02]: Do you?
• 29:57
  [SPEAKER_02]: Do you?
• 29:57
  [SPEAKER_02]: Do you?
• 29:57
  [SPEAKER_02]: Do you?
• 29:57
  [SPEAKER_02]: Do you?
• 29:58
  [SPEAKER_02]: Do you?
• 29:59
  [SPEAKER_02]: Do you?
• 29:59
  [SPEAKER_02]: Do you?
• 29:59
  [SPEAKER_02]: Do you?
• 30:00
  [SPEAKER_02]: Do you?
• 30:00
  [SPEAKER_02]: Do you?
• 30:00
  [SPEAKER_02]: Do you?
• 30:00
  [SPEAKER_02]: Do you?
• 30:00
  [SPEAKER_02]: Do you?
• 30:00
  [SPEAKER_02]: Do you?
• 30:00
  [SPEAKER_02]: Do you?
• 30:01
  [UNKNOWN]: Do
• 30:02
  [SPEAKER_02]: My mom and dad can.
• 30:06
  [SPEAKER_02]: The generation of stars would ask.
• 30:09
  [SPEAKER_02]: Because when your daughter comes, your daughter should have a hundred thousand dollars when she graduates high school.
• 30:15
  [SPEAKER_02]: And when God brings your home to be with the Lord, and y'all leave your children because y'all are going to have more children.
• 30:20
  [SPEAKER_02]: I can see it.
• 30:26
  [SPEAKER_02]: Y'all are going to leave your kids with millions of dollars.
• 30:30
  [SPEAKER_02]: But it's not just going to be millions, you're going to lead them with spiritual wisdom and spiritual wisdom, right?
• 30:35
  [SPEAKER_02]: And so that would be my very first thing because what comes next?
• 30:40
  [SPEAKER_02]: If you're visioning your wide as to make you cry, then a prizes commitment to get out of this.
• 30:45
  [SPEAKER_02]: Right.
• 30:45
  [SPEAKER_02]: It's going to make you all cry.
• 30:46
  [SPEAKER_04]: All right.
• 30:48
  [SPEAKER_02]: So listen, I know you all in the baby steps.
• 30:50
  [SPEAKER_02]: Let's get over number one.
• 30:52
  [SPEAKER_02]: I need you to put more than a thousand dollars inside your your savings account.
• 30:55
  [SPEAKER_02]: Okay.
• 30:56
  [SPEAKER_02]: My philosophy at this season, our life is that we need to have at least one month of the net pay.
• 31:02
  [SPEAKER_02]: And so I think net pay will be
• 31:07
  [SPEAKER_02]: What you all are averaging right now, because once you have your baby here in the next few weeks, then you're off, right?
• 31:14
  [SPEAKER_02]: And then are you, well, I don't want to ask that question, because that's, that's, I want to get you to tell you the job.
• 31:20
  [SPEAKER_02]: You know, I'm saying, but whenever God tells you to maneuver to the next season, right?
• 31:28
  [SPEAKER_02]: I want to make sure that you all are in a position to where if anything was to happen,
• 31:34
  [SPEAKER_02]: at least you because you'll be the primary income earner you have dirty days to figure something out.
• 31:42
  [SPEAKER_02]: If you just have a thousand dollars with a newborn,
• 31:47
  [SPEAKER_02]: You're stressed.
• 31:48
  [SPEAKER_02]: Now, you're stressed because you have a newborn and we have a money problem here.
• 31:54
  [SPEAKER_02]: And I don't want that at all, right?
• 31:56
  [SPEAKER_02]: So I want you to, I want y'all to pause the death snowball.
• 32:01
  [SPEAKER_02]: I want you to pay all your bills, the bare minimum on time.
• 32:04
  [SPEAKER_02]: I need y'all to get at least five.
• 32:06
  [SPEAKER_02]: Well, if y'all are making one, twenty-five, I need y'all within the next two months to have at least ten thousand dollars sitting inside your savings.
• 32:14
  [SPEAKER_02]: And you're gonna put that inside of a high US savings.
• 32:16
  [SPEAKER_02]: All right, then after that, then I would say go ahead and are you working?
• 32:23
  [SPEAKER_02]: Mm-hmm.
• 32:23
  [SPEAKER_02]: Okay.
• 32:24
  [SPEAKER_02]: Does your job have a four one, okay?
• 32:25
  [SPEAKER_03]: Yeah.
• 32:25
  [SPEAKER_02]: All right, cool, great.
• 32:27
  [SPEAKER_02]: Then this one I want you to do.
• 32:28
  [SPEAKER_02]: You're going to go back to the death smell box.
• 32:29
  [SPEAKER_02]: I'm going to be totally different from the babysitters.
• 32:31
  [SPEAKER_02]: All right.
• 32:32
  [SPEAKER_02]: Then from there, you're going to get, get, do the four one, okay.
• 32:35
  [SPEAKER_02]: If the four one, K matches a three percent, I want you to put three percent in there.
• 32:40
  [SPEAKER_02]: Right, because that's free money.
• 32:41
  [SPEAKER_02]: Don't put four percent.
• 32:43
  [SPEAKER_02]: Don't invest into anything else.
• 32:45
  [SPEAKER_02]: Just do.
• 32:46
  [SPEAKER_02]: If the match is three percent, put three percent in there and it's going to head and attack the death snowball.
• 32:52
  [SPEAKER_02]: Now, how much you let a car do you?
• 32:59
  [SPEAKER_03]: I'm going to ask the question, bro.
• 33:00
  [SPEAKER_03]: How much do you love a comment?
• 33:02
  [SPEAKER_03]: We've talked about it.
• 33:03
  [SPEAKER_03]: We've had a conversation.
• 33:05
  [SPEAKER_03]: Do you have a car?
• 33:06
  [SPEAKER_05]: Yes.
• 33:07
  [SPEAKER_02]: Is it paid for?
• 33:07
  [SPEAKER_05]: Yes.
• 33:08
  [SPEAKER_02]: What kind of car is it?
• 33:09
  [SPEAKER_05]: A Hyundai Aloncher.
• 33:10
  [SPEAKER_02]: Okay, that's a good car.
• 33:11
  [SPEAKER_02]: How many miles on it?
• 33:12
  [SPEAKER_05]: Oh, like, well, like, one, twenty, one, fifty.
• 33:15
  [SPEAKER_05]: He said it.
• 33:17
  [SPEAKER_02]: He said it.
• 33:17
  [SPEAKER_05]: I'm like, it's not one fifty.
• 33:19
  [SPEAKER_02]: He said he still works.
• 33:20
  [SPEAKER_05]: It does.
• 33:21
  [SPEAKER_02]: Is it heat work?
• 33:22
  [SPEAKER_05]: Yes.
• 33:23
  [SPEAKER_02]: Have you had any major issues here recently?
• 33:26
  [SPEAKER_05]: Um, I think it's mostly maintenance.
• 33:27
  [SPEAKER_02]: It's regular maintenance.
• 33:29
  [SPEAKER_02]: Okay.
• 33:30
  [SPEAKER_02]: I like your face.
• 33:31
  [SPEAKER_02]: Your husband over here scratching his knees, like.
• 33:34
  [SPEAKER_02]: Oh, man.
• 33:36
  [SPEAKER_02]: I'm just saying it was like, and then, is that a, is that a, is that a photo?
• 33:40
  [SPEAKER_05]: My heart, yes.
• 33:41
  [SPEAKER_02]: Yes.
• 33:41
  [SPEAKER_02]: Okay.
• 33:42
  [SPEAKER_02]: So you got a newborn.
• 33:43
  [SPEAKER_02]: Okay.
• 33:43
  [SPEAKER_02]: All right.
• 33:44
  [SPEAKER_02]: Cool.
• 33:44
  [SPEAKER_02]: Great.
• 33:45
  [SPEAKER_02]: How much you let it come?
• 33:48
  [SPEAKER_02]: I like it.
• 33:49
  [SPEAKER_02]: I like it.
• 33:51
  [SPEAKER_02]: My philosophy.
• 33:53
  [SPEAKER_02]: And again, you're not listening to me.
• 33:55
  [SPEAKER_02]: But if I'm in your shoes at your age with a newborn come in, I need to get out of debt as much as possible.
• 34:01
  [SPEAKER_02]: That's quick as possible.
• 34:03
  [SPEAKER_02]: I need financial freedom in my own.
• 34:06
  [SPEAKER_02]: because the cost of raising a child is going to be expensive.
• 34:13
  [SPEAKER_02]: Just looking at the quality and the caliber of the wife that you have, she's not going to settle for like the bare minimum for their child.
• 34:20
  [SPEAKER_02]: She's going to want nice things.
• 34:22
  [SPEAKER_02]: She's going to want the good milk, the good pamphlets, that ain't cheap.
• 34:28
  [SPEAKER_02]: And so my thing is,
• 34:30
  [SPEAKER_02]: If you owe two and three thousand on the car, mom is coming home eventually, whenever God tells you that.
• 34:37
  [SPEAKER_02]: Well, she ain't gonna be driving at much.
• 34:41
  [SPEAKER_02]: So you can, are you working from home or you gotta drive into the office?
• 34:45
  [SPEAKER_02]: I was working from home, but I do have to drive in now.
• 34:48
  [SPEAKER_03]: How far is away from the house?
• 34:51
  [SPEAKER_03]: With that traffic, forty five to an hour.
• 34:54
  [SPEAKER_03]: Okay, okay, forty five to an hour.
• 34:56
  [SPEAKER_02]: Okay, I think it's good.
• 34:58
  [SPEAKER_02]: Cause here's why.
• 34:59
  [SPEAKER_02]: Honey is a good car, right?
• 35:01
  [SPEAKER_02]: Yeah.
• 35:02
  [SPEAKER_02]: If you got ten thousand dollars sitting inside your savings account, and as to say something goes wrong with it, you can pull out a thousand two thousand to fix the car.
• 35:09
  [SPEAKER_02]: Yeah, right?
• 35:12
  [SPEAKER_02]: I want you to sell the con bro.
• 35:15
  [SPEAKER_02]: Now I'm so serious, because... Here's my dad.
• 35:20
  [SPEAKER_02]: Here's my dad.
• 35:20
  [SPEAKER_02]: Here's my dad.
• 35:21
  [SPEAKER_02]: Here's my dad.
• 35:22
  [SPEAKER_02]: I sense the energy from your wife.
• 35:24
  [SPEAKER_02]: She's like, I knew he was going to say that.
• 35:29
  [SPEAKER_02]: But here's the thing.
• 35:29
  [SPEAKER_02]: If you could just change and be uncomfortable for just give me twelve months.
• 35:37
  [SPEAKER_03]: Yeah.
• 35:37
  [SPEAKER_02]: Just twelve months.
• 35:39
  [SPEAKER_02]: Because this is going to be uncomfortable for both of y'all to only have one car.
• 35:43
  [SPEAKER_02]: Because I mean, if you drive in the work, I mean, she got to stay at home with the baby for eight hours.
• 35:48
  [SPEAKER_02]: She probably can't get out and move like that for a season until you get home, right?
• 35:53
  [SPEAKER_02]: But my thing is, how do we get you dead free as quick as possible?
• 35:59
  [SPEAKER_02]: So this way, by one and a half, you can now open up a five or twenty nine for your kids.
• 36:05
  [SPEAKER_02]: And now you're investing into their future.
• 36:08
  [SPEAKER_02]: And you don't have to apologize to your kids down the road.
• 36:10
  [SPEAKER_02]: And I couldn't invest into your future because we were drowning in debt.
• 36:16
  [SPEAKER_02]: And so what I want to challenge you, man, is if you're twenty three thousand, man, start a car.
• 36:24
  [SPEAKER_02]: Now, twenty three thousand miles you got any orders?
• 36:27
  [SPEAKER_03]: It's seventy, maybe a eighty thousand.
• 36:29
  [SPEAKER_02]: Yeah, so you're not going to get twenty three thousand for that, that acronym.
• 36:33
  [SPEAKER_03]: Yeah.
• 36:34
  [SPEAKER_02]: You probably get about seventeen, sixteen, seventeen, maybe eighteen if you really push them, right?
• 36:41
  [SPEAKER_02]: And so what that means, and this is going to be, is going to sound so awkward.
• 36:47
  [SPEAKER_02]: But that means, bro, you're going to take out another three thousand all alone.
• 36:51
  [SPEAKER_02]: Because now you go from twenty four thousand to three thousand.
• 36:56
  [SPEAKER_02]: and you just pay that off, right?
• 36:59
  [SPEAKER_02]: Now, everything else, credit cards, I need y'all to, and a words of who we all know, Dave Rams, I mean y'all to cut those up.
• 37:08
  [SPEAKER_02]: I need y'all to cut those up and pay those off.
• 37:10
  [SPEAKER_02]: I think y'all can have those paid off within the next ninety days if you really do it right, right?
• 37:17
  [SPEAKER_02]: But again, I don't want you to start that though until y'all have ten thousand dollars inside of savings.
• 37:22
  [SPEAKER_02]: Because y'all gonna have medical bills, you're gonna have medical visits for your daughter.
• 37:27
  [SPEAKER_02]: And God, I'm praying that we don't have any issues.
• 37:31
  [SPEAKER_02]: But the last thing I want on your heart is the cost of things.
• 37:36
  [SPEAKER_02]: So if you can figure out a way, working on sell around the house, Matt, how can you put ten thousand dollars with what nine thousand dollars more inside of this account, but then the next sixty to ninety days?
• 37:48
  [SPEAKER_02]: Is that difficult?
• 37:50
  [SPEAKER_03]: I don't think so.
• 37:50
  [SPEAKER_02]: How quickly, how quickly do you all think y'all can do it?
• 37:55
  [SPEAKER_05]: I would probably say maybe for my full grade.
• 38:00
  [SPEAKER_02]: I mean, your daughter's four months old.
• 38:01
  [SPEAKER_02]: All right, so then we're looking at buy, this is right here August, so September, October, November, so by December, going into twenty six, I don't have ten thousand dollars.
• 38:10
  [SPEAKER_02]: Do you all know how powerful, how powerful that will be for you all?
• 38:15
  [SPEAKER_02]: Powerful.
• 38:16
  [SPEAKER_02]: Sixty percent of us can't even afford to put a thousand dollars inside of a savings account.
• 38:20
  [SPEAKER_02]: So you all are already at a thousand.
• 38:22
  [SPEAKER_02]: Now you got ten thousand, you got one month of the net pay.
• 38:26
  [SPEAKER_02]: Y'all are gonna be, you're gonna feel so comfortable knowing, okay, we got ten bands sitting here, we good.
• 38:33
  [SPEAKER_02]: If something was happen, we could for thirty days.
• 38:36
  [SPEAKER_02]: Because I'm curious, and I didn't see this on there, how much do you honestly need to actually live?
• 38:45
  [SPEAKER_02]: Housing, food, transportation, I mean utilities.
• 38:51
  [SPEAKER_02]: How much did you say you spent on the month and all four of those?
• 38:54
  [SPEAKER_05]: Oh, on all four of those, uh, it's a slam.
• 38:57
  [SPEAKER_05]: That's, that's probably three thousand.
• 39:00
  [SPEAKER_02]: If that.
• 39:00
  [SPEAKER_05]: It's not included in the debt payment.
• 39:02
  [SPEAKER_05]: Yeah.
• 39:02
  [SPEAKER_02]: Okay.
• 39:03
  [SPEAKER_02]: So no debt payments.
• 39:04
  [SPEAKER_02]: You all need three thousand dollars to live.
• 39:07
  [SPEAKER_05]: Yeah.
• 39:08
  [SPEAKER_02]: Three thousand would pay the mortgage payment.
• 39:09
  [SPEAKER_05]: Mm-hmm.
• 39:11
  [SPEAKER_02]: Inside of three, three thousand would pay all the utilities of the house, cell phone, lights, electricity, all this type of stuff.
• 39:17
  [SPEAKER_02]: Uh, gas.
• 39:18
  [SPEAKER_06]: Mm-hmm.
• 39:19
  [SPEAKER_02]: Um, for car.
• 39:20
  [SPEAKER_02]: Uh-huh.
• 39:20
  [SPEAKER_02]: And boo.
• 39:20
  [SPEAKER_02]: Y'all cook your home.
• 39:20
  [SPEAKER_06]: Put a cup.
• 39:21
  [SPEAKER_06]: Put a cup.
• 39:21
  [SPEAKER_06]: You're the cook?
• 39:21
  [SPEAKER_02]: I'm the cook.
• 39:22
  [SPEAKER_02]: I'm the cook.
• 39:22
  [SPEAKER_02]: You're the cook.
• 39:23
  [SPEAKER_02]: You're the cook.
• 39:24
  [SPEAKER_02]: You're the cook.
• 39:24
  [SPEAKER_06]: You're the cook.
• 39:24
  [SPEAKER_02]: You're the cook.
• 39:25
  [SPEAKER_05]: You're the cook.
• 39:25
  [SPEAKER_05]: You're the cook.
• 39:26
  [SPEAKER_02]: You're the cook.
• 39:26
  [SPEAKER_02]: You're the cook.
• 39:27
  [SPEAKER_02]: You're the cook.
• 39:27
  [SPEAKER_02]: You're the cook.
• 39:27
  [SPEAKER_02]: You're the cook.
• 39:28
  [SPEAKER_02]: You're the cook.
• 39:28
  [SPEAKER_02]: You're the cook.
• 39:29
  [SPEAKER_02]: You're the cook.
• 39:29
  [UNKNOWN]: You're the cook.
• 39:29
  [UNKNOWN]: You're the cook.
• 39:30
  [UNKNOWN]: You're the cook.
• 39:30
  [UNKNOWN]: You're the cook.
• 39:31
  [UNKNOWN]: You're the cook.
• 39:31
  [SPEAKER_02]: You're the cook.
• 39:31
  [SPEAKER_02]: You're the cook.
• 39:32
  [SPEAKER_02]: You're the cook.
• 39:32
  [SPEAKER_02]: You're the cook.
• 39:33
  [SPEAKER_02]: You're the cook.
• 39:33
  [SPEAKER_02]: You're the cook.
• 39:33
  [SPEAKER_02]: You're the cook.
• 39:34
  [SPEAKER_02]: You're the cook.
• 39:34
  [SPEAKER_02]: You're the cook.
• 39:35
  [SPEAKER_02]: You're the cook.
• 39:35
  [SPEAKER_02]: You're the cook.
• 39:36
  [SPEAKER_02]: You're the cook.
• 39:36
  [SPEAKER_02]: You're the cook.
• 39:37
  [SPEAKER_02]: You're the cook.
• 39:37
  [SPEAKER_02]: You're the cook.
• 39:42
  [SPEAKER_02]: All right, so listen, wait, but pause.
• 39:44
  [SPEAKER_02]: You said sometimes to y'all, y'all eat out.
• 39:46
  [SPEAKER_05]: We did.
• 39:47
  [SPEAKER_02]: How often?
• 39:48
  [SPEAKER_02]: Would you say y'all eat out more than y'all cook?
• 39:50
  [SPEAKER_05]: No.
• 39:51
  [SPEAKER_05]: Maybe twice a week.
• 39:53
  [SPEAKER_02]: That's not bad.
• 39:54
  [SPEAKER_02]: But the next twelve months, I need y'all to cut that down and maybe twice a month.
• 40:01
  [SPEAKER_04]: Okay.
• 40:03
  [SPEAKER_01]: You know, I got to buy the car.
• 40:04
  [SPEAKER_01]: It's like, hey, man.
• 40:07
  [SPEAKER_02]: I'm just saying it's like, for real don't mean we got a hundred thousand dollars to pay off.
• 40:11
  [SPEAKER_02]: We got a hundred thousand dollars to pay off here.
• 40:14
  [SPEAKER_02]: We only have a thousand dollars in savings.
• 40:16
  [SPEAKER_02]: You possibly going to be coming home to raise your, you raise your daughter.
• 40:20
  [SPEAKER_02]: Like, me know, and I'm looking at your, uh, all of your statement.
• 40:24
  [SPEAKER_02]: Yeah.
• 40:26
  [SPEAKER_02]: You got a thousand and forty five dollars to your name and your savings account.
• 40:30
  [SPEAKER_02]: Right, we got to change this up.
• 40:34
  [SPEAKER_02]: Now wait, July we had twenty one hundred.
• 40:37
  [SPEAKER_02]: Why we go from twenty one hundred to a thousand and thirty days?
• 40:39
  [SPEAKER_05]: Oh, that's the credit card statement.
• 40:41
  [SPEAKER_05]: We paid the credit card down.
• 40:43
  [SPEAKER_02]: Oh, our statement.
• 40:44
  [SPEAKER_02]: Oh, no.
• 40:44
  [SPEAKER_02]: Okay, I don't think I'm looking at the savings.
• 40:50
  [SPEAKER_02]: Y'all, they didn't hear working.
• 40:51
  [SPEAKER_02]: June credit card statement was twenty eight hundred.
• 40:54
  [SPEAKER_02]: July's credit card statement is twenty one hundred.
• 40:58
  [SPEAKER_02]: All gives credit card.
• 40:59
  [SPEAKER_02]: Staying me was a thousand.
• 41:01
  [SPEAKER_02]: Y'all, work here.
• 41:02
  [SPEAKER_02]: Okay, what is savings that?
• 41:04
  [SPEAKER_05]: They don't really.
• 41:06
  [SPEAKER_05]: They've been, it's what probably be.
• 41:09
  [SPEAKER_05]: That's a personal loan.
• 41:10
  [SPEAKER_02]: That's a personal loan.
• 41:11
  [SPEAKER_05]: Yeah.
• 41:11
  [SPEAKER_02]: All right, cool.
• 41:13
  [SPEAKER_05]: They've got a road that's right.
• 41:15
  [SPEAKER_02]: Maybe federal.
• 41:15
  [SPEAKER_02]: Maybe federal.
• 41:16
  [SPEAKER_02]: Maybe federal.
• 41:16
  [SPEAKER_05]: You can probably think it's like the back actually.
• 41:18
  [SPEAKER_02]: Long payment.
• 41:19
  [SPEAKER_02]: Okay.
• 41:19
  [SPEAKER_02]: So y'all paying minimums on the loan payments right now.
• 41:22
  [SPEAKER_02]: All right, loan.
• 41:23
  [SPEAKER_05]: Okay, we're going to pay the federal credit card.
• 41:25
  [SPEAKER_05]: So if you keep going down a little bit more, you'll see the, maybe federal credit, checking their savings.
• 41:31
  [SPEAKER_02]: Okay, we'll say else the cash rewards, cash rewards.
• 41:35
  [SPEAKER_02]: Okay, okay, let's let them look at it by hand.
• 41:38
  [SPEAKER_02]: Yeah.
• 41:39
  [SPEAKER_02]: Yeah, okay, okay, oh, oh, everyday checking.
• 41:42
  [SPEAKER_02]: Okay, okay, membership savings.
• 41:45
  [SPEAKER_02]: Okay, okay, so we got some good balance.
• 41:50
  [SPEAKER_02]: All right, so the savings is there.
• 41:52
  [SPEAKER_02]: All right, so we need to do that.
• 41:52
  [SPEAKER_02]: All right, bet.
• 41:54
  [SPEAKER_02]: What would you say y'all spend the most of your money on without me going through all your transactions?
• 41:59
  [SPEAKER_02]: Y'all see all their transactions, y'all, y'all, y'all, y'all, y'all, y'all really paying bills.
• 42:05
  [SPEAKER_02]: These are bills.
• 42:07
  [SPEAKER_02]: These are bills.
• 42:09
  [SPEAKER_02]: And these are bills.
• 42:09
  [SPEAKER_02]: What would you say y'all spend the most of your money on?
• 42:12
  [SPEAKER_05]: I would honestly say the bulk of our money goes to our debt pay.
• 42:14
  [SPEAKER_05]: We pay an equal in debt payment every month when we pay in our mortgage.
• 42:18
  [UNKNOWN]: Yeah.
• 42:19
  [SPEAKER_05]: Yeah.
• 42:20
  [SPEAKER_05]: That's one of the most our money goes.
• 42:21
  [SPEAKER_02]: Okay, you know, mortgage in debt.
• 42:23
  [SPEAKER_05]: Mm-hmm.
• 42:24
  [SPEAKER_02]: Yeah.
• 42:26
  [SPEAKER_02]: Yeah.
• 42:27
  [SPEAKER_02]: No.
• 42:28
  [SPEAKER_05]: I thought that we lived pretty, we met a mom.
• 42:33
  [UNKNOWN]: Yeah.
• 42:33
  [SPEAKER_05]: Yeah.
• 42:35
  [SPEAKER_02]: South of Cardio.
• 42:39
  [SPEAKER_05]: Thank you all.
• 42:41
  [SPEAKER_02]: I'm serious, man.
• 42:42
  [SPEAKER_02]: South of Cardio.
• 42:45
  [SPEAKER_02]: A temporary step back is not a permanent situation.
• 42:52
  [SPEAKER_02]: And I think that the card that you love today, because you'll be a good steward of it, I think God will bless you a more.
• 43:01
  [SPEAKER_02]: I think you'll go back into something that's better than accurate, because you show God that I'm willing to do what I have to do to better position my family.
• 43:16
  [SPEAKER_02]: And I think
• 43:18
  [SPEAKER_02]: Men sometimes we struggle with that.
• 43:22
  [SPEAKER_03]: Yeah.
• 43:23
  [SPEAKER_02]: Because it is going to be a little uncomfortable to go from an acroteo, an acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, acroteo, ac
• 43:45
  [SPEAKER_02]: And I think it's gonna be because God is gonna see that he could trust you with more.
• 43:51
  [SPEAKER_02]: And I think, one, twenty-five in a DMV area in an area that you all live.
• 43:57
  [SPEAKER_02]: If you had no debt, you all would have no problem.
• 44:03
  [SPEAKER_02]: Right?
• 44:04
  [SPEAKER_02]: And I think next three years, I think y'all gonna make a more than one, twenty-five.
• 44:11
  [SPEAKER_02]: Right?
• 44:13
  [SPEAKER_02]: Is your go
• 44:15
  [SPEAKER_02]: Perfect situation is your goal to raise to be a stay at home or I'm in just work from home or not work at all.
• 44:22
  [SPEAKER_05]: I would like to work from home.
• 44:23
  [SPEAKER_05]: I'm entrepreneur.
• 44:25
  [SPEAKER_05]: I got to do something.
• 44:26
  [SPEAKER_05]: I like working with my hands.
• 44:28
  [SPEAKER_05]: So yeah, I just want to be home with my baby.
• 44:31
  [SPEAKER_05]: So I would like to work from home, part time, you know, going to entrepreneurship, full time at some point.
• 44:36
  [SPEAKER_02]: Yeah, yeah.
• 44:37
  [SPEAKER_02]: So entrepreneurship, full time, you're going to make one, twenty-five, one, fifty by yourself.
• 44:41
  [SPEAKER_02]: And then do you like what you currently do right now?
• 44:45
  [SPEAKER_03]: I like what I do.
• 44:46
  [SPEAKER_03]: I don't like where I'm at.
• 44:47
  [SPEAKER_02]: Got you.
• 44:48
  [SPEAKER_02]: I respect it.
• 44:49
  [SPEAKER_02]: I think.
• 44:52
  [SPEAKER_03]: Yeah.
• 44:53
  [SPEAKER_02]: All right.
• 44:54
  [SPEAKER_02]: Take away points.
• 44:55
  [SPEAKER_02]: Take away points for this.
• 44:57
  [SPEAKER_02]: You are already doing a budget.
• 45:00
  [SPEAKER_02]: I need you all to sit down tonight and I need you all to go back and look at number one.
• 45:06
  [SPEAKER_02]: Okay.
• 45:07
  [SPEAKER_02]: What if we did sell the car?
• 45:09
  [SPEAKER_02]: You already have one of the credit cards down here is that three for it since y'all put out this form now you all down to a thousand I think that credit card going like this month You know, I'm saying now now you got five thousand dollars back in your well, which well y'all paid a thousand last month That's thousand dollars back into your account, but y'all know how that rolls I don't remember Don't snowball that into the next one
• 45:37
  [SPEAKER_02]: Ashley, I'm sorry, you're pregnant.
• 45:39
  [SPEAKER_02]: No, I got to remember this.
• 45:41
  [SPEAKER_02]: I'm thinking like I'm talking to a non-pregnant person.
• 45:44
  [SPEAKER_02]: So I don't want that credit card, not that this month.
• 45:47
  [SPEAKER_02]: I need you to put all your extra money into the savings.
• 45:53
  [SPEAKER_02]: Because that baby is your priority right now, not your debt.
• 45:57
  [SPEAKER_02]: And so I would say the rest of this month,
• 46:01
  [SPEAKER_02]: If you all are working the debt snowball with you all say you are, which means that you all are putting all your extra income on top of the lowest credit card, I will pause that put your money into your savings, get a ten thousand dollars in there.
• 46:17
  [SPEAKER_02]: Why are you all doing that?
• 46:20
  [SPEAKER_02]: I need you to lead it on this conversation.
• 46:22
  [SPEAKER_02]: This is what I want you to do.
• 46:23
  [SPEAKER_02]: I'm giving you all not permission because I don't need permission for me, but I want to encourage you to tell your wife, put on some nice.
• 46:32
  [SPEAKER_02]: Take it to her favorite restaurant, right?
• 46:36
  [SPEAKER_02]: And I want you to have a family meeting.
• 46:40
  [SPEAKER_02]: And I'm a senior to Dernal.
• 46:42
  [SPEAKER_02]: And I really want you to go through and answer those questions.
• 46:45
  [SPEAKER_02]: Be honest, pray over it, turn off your phones, no text messages, don't be bothered.
• 46:51
  [SPEAKER_02]: It's just y'all too.
• 46:52
  [SPEAKER_02]: And be like, okay, this is clear.
• 46:55
  [SPEAKER_02]: By this time next year, we want to be here.
• 46:58
  [SPEAKER_02]: By this time two, three years from now, we want to be here.
• 47:02
  [SPEAKER_02]: By this time five years, we want to be here.
• 47:04
  [SPEAKER_02]: Our daughter will be five, right?
• 47:07
  [SPEAKER_02]: And I need to be super clear.
• 47:09
  [SPEAKER_02]: And what I'm going to try to do is print that out.
• 47:11
  [SPEAKER_02]: I want you to put that
• 47:13
  [SPEAKER_02]: and your house where y'all can see at least three times a day.
• 47:16
  [SPEAKER_02]: So that bathroom for sure is gonna be one bathroom there, refrigerator, we all gonna get something to eat, something to drink and whatever is that third place.
• 47:24
  [SPEAKER_02]: When I was in this journey, I put it on my screensaver.
• 47:28
  [SPEAKER_02]: So that way, every time I open my screen, okay, this is what I'm doing.
• 47:31
  [SPEAKER_02]: All right, after you do that, I need y'all to meet every single week and just just check in to a temple check.
• 47:39
  [SPEAKER_02]: How are you feeling about it?
• 47:40
  [SPEAKER_02]: Right?
• 47:42
  [SPEAKER_02]: Babe, we paid off.
• 47:43
  [SPEAKER_02]: We got six thousand dollars inside account.
• 47:45
  [SPEAKER_02]: We almost there.
• 47:46
  [SPEAKER_02]: Babe, we almost there.
• 47:48
  [SPEAKER_02]: And be honest with each other's feelings.
• 47:51
  [SPEAKER_02]: All right, when y'all drive home today after the meeting, y'all gonna talk about the car.
• 47:55
  [SPEAKER_02]: Be vulnerable enough to tell your wife, I don't like it.
• 48:00
  [SPEAKER_02]: I don't, I like my car.
• 48:02
  [SPEAKER_02]: I think when you're honest and you're being vulnerable,
• 48:06
  [SPEAKER_02]: It creates a deeper connection between you two, but it also makes this journey even better.
• 48:11
  [SPEAKER_02]: Right?
• 48:12
  [SPEAKER_02]: So now, and whatever you don't like, because she, I don't think she only like eating out only two times a month.
• 48:19
  [SPEAKER_02]: You know what I'm saying?
• 48:22
  [SPEAKER_02]: But I think both of you all, and that's just too sacrifice that I want to give you all.
• 48:27
  [SPEAKER_02]: I think that as you all get the vision, watch this, the vision is going to tell you all other sacrifices you all need to make.
• 48:34
  [SPEAKER_04]: Absolutely.
• 48:34
  [SPEAKER_02]: Because having a hundred thousand dollars in debt is going to be about ten thousand four hundred dollars.
• 48:39
  [SPEAKER_02]: That's gross.
• 48:39
  [SPEAKER_02]: So you all should see right around eight thousand dollars a month.
• 48:42
  [SPEAKER_02]: If you're saying you can live off of three thousand dollars, right?
• 48:47
  [SPEAKER_02]: So that means that tells me that if you're seeing right around seven I say seven eight on the lowest seven sometimes eight, right?
• 48:55
  [SPEAKER_02]: depending on how you all are filing your taxes.
• 48:57
  [SPEAKER_02]: If you're doing it strategically, you should be right around at seventy five.
• 49:01
  [SPEAKER_02]: That's seven.
• 49:02
  [SPEAKER_02]: Yeah, in between seven eight, Louis, let's say seven thousand.
• 49:04
  [SPEAKER_02]: So this means that you should have a surplus of four thousand.
• 49:09
  [SPEAKER_02]: Now you said if our bills is three thousand a month, I mean, you're paying three thousand a month and debt was these you about a thousand, fifteen hundred dollars a month for eating and other things, right?
• 49:22
  [SPEAKER_02]: So I can see why you all are using your credit card.
• 49:24
  [SPEAKER_02]: You can see why you're taking out some loans.
• 49:27
  [SPEAKER_02]: So now, watch this, I think you all can get to the ten thousand forty-centre.
• 49:32
  [SPEAKER_02]: Because if you're doing three thousand dollars and extra debt, I need you to bring that back to just your minimum payments.
• 49:40
  [SPEAKER_02]: Which means that you should be able to put at least twenty-five hundred to three thousand dollars inside your savings game.
• 49:44
  [SPEAKER_02]: Alright, so now we should be right around November.
• 49:48
  [SPEAKER_02]: but get right around a member, come December, you have a newborn, y'all need to sit down and aggressively look at your budget and be like, okay, what do we need for our daughter?
• 50:02
  [SPEAKER_02]: What expenses do we have with our daughter?
• 50:06
  [SPEAKER_02]: Add that to the budget, okay?
• 50:09
  [SPEAKER_02]: Then from there, twenty, twenty, six.
• 50:12
  [SPEAKER_02]: Oh, y'all paid up to that.
• 50:13
  [SPEAKER_03]: Yeah.
• 50:14
  [SPEAKER_02]: Like, like aggressively.
• 50:19
  [SPEAKER_02]: Like, like the age of y'all ain't even going out to eat for a whole year.
• 50:25
  [SPEAKER_02]: Like, like, bro, your car needs to be gone by December.
• 50:30
  [SPEAKER_02]: Like, if it was me, my car would be gone like in the next thirty days.
• 50:35
  [SPEAKER_02]: Like, if it was really me, my car would be gone again next week.
• 50:41
  [SPEAKER_02]: Because it's like, you take twenty four thousand
• 50:44
  [SPEAKER_02]: You know what I'm saying?
• 50:45
  [SPEAKER_01]: Bro, you've done a seventy, seventy three thousand.
• 50:48
  [SPEAKER_02]: Yeah.
• 50:49
  [SPEAKER_01]: That's for you.
• 50:49
  [SPEAKER_01]: Yeah.
• 50:49
  [SPEAKER_02]: That's for you.
• 50:50
  [SPEAKER_04]: Yeah.
• 50:50
  [SPEAKER_02]: That's for you.
• 50:51
  [SPEAKER_01]: That's for you.
• 50:51
  [SPEAKER_01]: That's for you.
• 50:52
  [SPEAKER_01]: That's for you.
• 50:52
  [SPEAKER_01]: That's for you.
• 50:52
  [SPEAKER_01]: That's for you.
• 50:53
  [SPEAKER_02]: That's for you.
• 50:54
  [SPEAKER_02]: That's for you.
• 50:54
  [SPEAKER_02]: That's for you.
• 50:55
  [SPEAKER_02]: That's for you.
• 50:55
  [SPEAKER_02]: That's for you.
• 50:55
  [SPEAKER_02]: That's for you.
• 50:56
  [SPEAKER_02]: That's for you.
• 50:56
  [SPEAKER_02]: That's for you.
• 50:57
  [SPEAKER_02]: That's for you.
• 50:57
  [SPEAKER_02]: That's for you.
• 50:57
  [SPEAKER_02]: That's for you.
• 50:58
  [SPEAKER_02]: That's for you.
• 50:58
  [SPEAKER_02]: That's for you.
• 50:59
  [SPEAKER_02]: That's for you.
• 51:00
  [SPEAKER_02]: That's for you.
• 51:00
  [SPEAKER_02]: That's for you.
• 51:01
  [SPEAKER_02]: That's for you.
• 51:01
  [SPEAKER_02]: That's for you.
• 51:02
  [SPEAKER_02]: That's for you.
• 51:02
  [SPEAKER_02]: That's for you.
• 51:02
  [SPEAKER_02]: That's for you.
• 51:03
  [SPEAKER_02]: That's for you.
• 51:04
  [SPEAKER_02]: That's for you.
• 51:04
  [SPEAKER_02]: That's for you.
• 51:05
  [SPEAKER_02]: That's for you.
• 51:05
  [SPEAKER_02]: That's for you.
• 51:06
  [SPEAKER_02]: That's for you.
• 51:06
  [SPEAKER_02]: That's for you.
• 51:08
  [SPEAKER_02]: That's for you.
• 51:08
  [SPEAKER_02]: That's for you.
• 51:09
  [SPEAKER_02]: That's for you.
• 51:09
  [SPEAKER_02]: That's for you
• 51:11
  [SPEAKER_02]: You're trying to tell me by the time your daughter turns a year, some change, y'all could be consumer-defree.
• 51:18
  [SPEAKER_02]: Now, you're gonna have more money.
• 51:21
  [SPEAKER_02]: Now, it's a, it's a, it's a, you're still averaging right around ten thousand a month.
• 51:26
  [SPEAKER_02]: Oh, yeah.
• 51:26
  [SPEAKER_02]: Now you're looking at five, six thousand dollars in surplus.
• 51:29
  [SPEAKER_02]: That's margin.
• 51:33
  [SPEAKER_02]: Y'all got any questions for me?
• 51:36
  [SPEAKER_02]: This was easy because we all just have good hearts, you know?
• 51:41
  [SPEAKER_02]: But let me tell you something, too.
• 51:44
  [SPEAKER_02]: Let's talk about your home booklet.
• 51:48
  [SPEAKER_02]: You said in the beginning to call your thing about selling your home wide.
• 51:54
  [SPEAKER_03]: So we're in a decent area.
• 51:57
  [SPEAKER_03]: Got it's not where we want to kind of set our roots or establish our family.
• 52:04
  [SPEAKER_03]: Yeah, I think that's that's kind of the gist of it.
• 52:07
  [SPEAKER_05]: You agree with it?
• 52:08
  [SPEAKER_05]: And yeah, just need a more space too.
• 52:11
  [SPEAKER_03]: Need more space.
• 52:12
  [SPEAKER_02]: Yeah.
• 52:13
  [SPEAKER_02]: Two bedroom three bedroom home.
• 52:14
  [SPEAKER_02]: This is a two.
• 52:15
  [SPEAKER_02]: Just a two bedroom.
• 52:16
  [SPEAKER_02]: Okay.
• 52:17
  [SPEAKER_02]: So y'all need more space.
• 52:22
  [SPEAKER_02]: Why do you need more space for the baby?
• 52:25
  [SPEAKER_05]: Well, as far as the baby goes right now, we're making sure her room is combined with his office, but he's a musician.
• 52:32
  [SPEAKER_05]: And so it can be a little noisy in and out things that they just, it will be nice to have a separate room where he can have his keys and all the things that he needs in there.
• 52:41
  [SPEAKER_05]: So yeah, right now we're making it works for us right now, but at some point, yeah, we'll win the third bedroom.
• 52:47
  [SPEAKER_02]: So when you say selling, you want to take that and go buy another home?
• 52:51
  [SPEAKER_03]: Yeah, and that was really going to be a question I had, like, as far as the equity would have made it, we've, we've conversed about it, but would it make sense to save that to go towards the next home or, like, tackle the debt or how, like, what to do with the equity?
• 53:09
  [SPEAKER_02]: Like, thirty-two and twenty-eight-year-old?
• 53:10
  [SPEAKER_02]: Yeah.
• 53:11
  [SPEAKER_02]: But a newborn?
• 53:12
  [SPEAKER_02]: I'm not buying her the house.
• 53:15
  [SPEAKER_02]: Nah, I'll wait.
• 53:16
  [SPEAKER_02]: I will take that, put it all that money towards the debt.
• 53:19
  [SPEAKER_05]: And right, in the meantime,
• 53:20
  [SPEAKER_02]: Yep, yep.
• 53:23
  [SPEAKER_02]: I sure would.
• 53:24
  [SPEAKER_02]: And it's like, I think, I think we're always taught, right?
• 53:30
  [SPEAKER_02]: I know some people are screaming.
• 53:31
  [SPEAKER_02]: Oh, no, you gotta own.
• 53:34
  [SPEAKER_02]: Listen, a dream purchase at the Roan Time can become a nightmare.
• 53:39
  [SPEAKER_02]: Your home that you purchase, you're probably what, what around three percent, four percent inches, right?
• 53:44
  [SPEAKER_02]: two quarter, four and a quarter.
• 53:46
  [SPEAKER_02]: All right, best.
• 53:46
  [SPEAKER_02]: So you're right around there with me.
• 53:47
  [SPEAKER_02]: All right, so that means you bought, I mean, you bought this home, what, and twenty, twenty, nineteen.
• 53:53
  [SPEAKER_02]: Yep, see, I know you.
• 53:55
  [SPEAKER_02]: I'm right there with you, because I remember the four and a quarter season, right?
• 53:59
  [SPEAKER_02]: So, um, right now you're doing six and seven percent.
• 54:04
  [SPEAKER_02]: Homes are going to be much more expensive.
• 54:07
  [SPEAKER_02]: Right.
• 54:08
  [SPEAKER_02]: And so to get the kind of home that you all will desire, it doesn't make sense if you go out there and buy another two bat room home or a three bat room home and your pain is very comfortable mortgage payment and then now it triples.
• 54:23
  [SPEAKER_02]: Right.
• 54:23
  [SPEAKER_02]: So for me with this equity, oh my gosh.
• 54:28
  [SPEAKER_02]: I would all day long, I would take the equity from that home.
• 54:32
  [SPEAKER_02]: And I would go get the cell phone for the most that I can, as soon as I get that check, I'm putting it all towards my debt.
• 54:40
  [SPEAKER_02]: Because what then now what happens is it pushes you back in five thousand dollars of surplus of money.
• 54:45
  [SPEAKER_02]: Now you have a newborn, you have a little bigger situation, which I don't know though, if you will be able to get a three-bet room to where you can play music.
• 54:56
  [SPEAKER_02]: I think that is going to be a part of the sacrifices and a part of the journey that you all will have to talk through as a cup, right?
• 55:03
  [SPEAKER_02]: Because my question would be, respect for saying this, do I want to have my own music role?
• 55:13
  [SPEAKER_02]: That costs me more money a month.
• 55:16
  [SPEAKER_02]: or do I want financial freedom and sacrifice maybe for two years to get that and to get our savings back up.
• 55:24
  [SPEAKER_02]: And then right when we see interest rate start to settle and come back down.
• 55:28
  [SPEAKER_02]: Now we're debt free.
• 55:29
  [SPEAKER_02]: We have money inside of our savings account and we got someone to put down towards a home.
• 55:34
  [SPEAKER_02]: Now we can strategically go out there and buy exactly what our family needs.
• 55:39
  [SPEAKER_02]: And in the community that we desire, that's close around the schools that we want to put our daughter in, right?
• 55:44
  [SPEAKER_02]: And now
• 55:46
  [SPEAKER_02]: You got your own musical.
• 55:47
  [SPEAKER_02]: Absolutely.
• 55:48
  [SPEAKER_02]: But it's like if we take that money, go put into it.
• 55:51
  [SPEAKER_02]: I just, I don't think it'll be a wise decision right now in this season.
• 55:56
  [SPEAKER_02]: But that's what we say earlier, eighty thousand, seventy thousand.
• 56:00
  [SPEAKER_02]: Yes, seventy eight thousand.
• 56:02
  [SPEAKER_02]: You sell your car now, seventy three thousand.
• 56:05
  [SPEAKER_02]: You're dead free.
• 56:07
  [SPEAKER_02]: Right.
• 56:11
  [SPEAKER_05]: A lot faster than we was thinking it was going happen.
• 56:13
  [SPEAKER_05]: That's for sure.
• 56:14
  [SPEAKER_02]: You can sell it here.
• 56:16
  [SPEAKER_02]: And right now, I don't know if right now it's the time to sell because you're gonna have a newborn.
• 56:20
  [SPEAKER_02]: I think you all, you don't wanna do that right now.
• 56:23
  [SPEAKER_02]: Maybe right around January.
• 56:25
  [SPEAKER_02]: Okay.
• 56:26
  [SPEAKER_02]: I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm just, I'm
• 56:45
  [SPEAKER_02]: I got a couple in the house.
• 56:47
  [SPEAKER_02]: I got a couple on the show right now sitting with about eighty thousand dollars in equity.
• 56:55
  [SPEAKER_02]: Right.
• 56:56
  [SPEAKER_02]: When is the best time to sell?
• 56:58
  [SPEAKER_02]: She's about to have a baby in two weeks.
• 57:01
  [SPEAKER_02]: Right.
• 57:03
  [SPEAKER_02]: They got a nice small home remodel kitchen.
• 57:08
  [SPEAKER_02]: They're not going to buy another house.
• 57:09
  [SPEAKER_02]: They just want to sell this house.
• 57:10
  [SPEAKER_02]: Should they sell it now?
• 57:13
  [SPEAKER_02]: Or should they wait?
• 57:15
  [SPEAKER_02]: After they have the baby and and if so, when is the best on a cell then?
• 57:19
  [SPEAKER_00]: Many most pregnant and fishy.
• 57:21
  [SPEAKER_02]: She's she's going to have her baby in about two weeks.
• 57:23
  [SPEAKER_02]: So she'll have it in September.
• 57:25
  [SPEAKER_00]: Well, wait.
• 57:25
  [SPEAKER_00]: Absolutely.
• 57:26
  [SPEAKER_00]: I will wait.
• 57:26
  [SPEAKER_00]: I will wait.
• 57:27
  [SPEAKER_00]: I'm having the baby in settle with the baby and then put the house on the market in the spring time.
• 57:32
  [SPEAKER_02]: Spring of twenty twenty six.
• 57:35
  [SPEAKER_00]: Spring of twenty twenty six.
• 57:37
  [SPEAKER_02]: Okay.
• 57:38
  [SPEAKER_00]: By that time, we'll know if interest rates, where interest rates are at, hopefully they've been brought by now, we'll make it better for her on the selling site because when interest rates drop, the market is more competitive.
• 57:50
  [SPEAKER_00]: So that would be a good time to come.
• 57:51
  [SPEAKER_00]: But from now until then, we'll be good to kind of analyze the market.
• 57:54
  [SPEAKER_00]: And you know, go through the fall and the winter and wait until spring, between six, because that's when most buyers are searching for in the market-related.
• 58:03
  [SPEAKER_00]: Also, people are searching for more for schools during their time as well.
• 58:07
  [SPEAKER_01]: Mmm.
• 58:08
  [SPEAKER_01]: So good.
• 58:09
  [SPEAKER_01]: That's my relative Keith.
• 58:10
  [SPEAKER_01]: I'm gonna call this a girl.
• 58:12
  [SPEAKER_01]: Three set of rope.
• 58:14
  [SPEAKER_01]: Indeed.
• 58:14
  [SPEAKER_01]: Yep.
• 58:18
  [SPEAKER_02]: Y'all can be dead free by spring and issue.
• 58:22
  [SPEAKER_02]: What's out on the stuff?
• 58:23
  [SPEAKER_05]: I don't know.
• 58:25
  [SPEAKER_05]: I'm kind of blown away, me personally, because we had kind of figured that we were like, uh, twenty twenty seven, like maybe twenty twenty eight.
• 58:35
  [SPEAKER_05]: But to think that like we could do this in the next few months, like with the next couple of months, I'm speechless.
• 58:42
  [SPEAKER_02]: Yeah.
• 58:42
  [SPEAKER_02]: Yeah.
• 58:44
  [SPEAKER_02]: You're going to set a car?
• 58:47
  [SPEAKER_02]: I mean.
• 58:50
  [SPEAKER_02]: The question that makes it work.
• 58:53
  [SPEAKER_02]: Amen.
• 58:54
  [SPEAKER_02]: Listen, I'm telling you, it's going to be so worth it in a long run.
• 58:59
  [SPEAKER_02]: Yeah.
• 58:59
  [SPEAKER_02]: But it's going to suck right now.
• 59:01
  [SPEAKER_02]: I don't like to.
• 59:02
  [SPEAKER_03]: Right.
• 59:03
  [SPEAKER_02]: I don't like to.
• 59:03
  [SPEAKER_02]: If I had to sell one of my cars, I'd be like you.
• 59:05
  [SPEAKER_02]: I'm like, God.
• 59:08
  [UNKNOWN]: What?
• 59:10
  [SPEAKER_02]: What?
• 59:11
  [SPEAKER_02]: Man is, and I'll be honest with you, man.
• 59:14
  [SPEAKER_02]: I was about to buy
• 59:17
  [SPEAKER_02]: a home for about three million.
• 59:20
  [SPEAKER_02]: I could afford it.
• 59:23
  [SPEAKER_02]: And one of my mentors says something to me to just shift me.
• 59:28
  [SPEAKER_02]: He said, why are you going to buy something that's just you and a dog for three?
• 59:32
  [SPEAKER_02]: That makes absolutely no sense.
• 59:36
  [SPEAKER_02]: He said, save, but save.
• 59:38
  [SPEAKER_02]: Just save and vets that money.
• 59:40
  [SPEAKER_02]: So every when you meet your wife, then you can be like, okay, what do you want?
• 59:45
  [SPEAKER_02]: Yeah, get some kids.
• 59:47
  [SPEAKER_02]: Okay, I mean, what do we need to do?
• 59:51
  [SPEAKER_02]: And man, that house.
• 59:58
  [SPEAKER_02]: That house was going to be on a atomic river with a rooftop sitting situation.
• 1:00:08
  [SPEAKER_02]: And the house was gonna look like a boat.
• 1:00:12
  [SPEAKER_02]: My team can tell you.
• 1:00:13
  [SPEAKER_02]: And because it was on the river.
• 1:00:15
  [SPEAKER_02]: So like my backyard, the pool is overlooking the Potomac river.
• 1:00:22
  [SPEAKER_02]: Am I meant to go and tell me?
• 1:00:24
  [SPEAKER_02]: No?
• 1:00:26
  [SPEAKER_01]: I said, what?
• 1:00:29
  [SPEAKER_02]: He said, if you do that, that will be one of the biggest financial mistakes you've ever made.
• 1:00:35
  [SPEAKER_02]: And especially as a money guy.
• 1:00:37
  [SPEAKER_04]: Wow.
• 1:00:38
  [SPEAKER_02]: And I said, what?
• 1:00:42
  [SPEAKER_02]: So I told them now.
• 1:00:43
  [SPEAKER_02]: I backed out of it.
• 1:00:44
  [SPEAKER_02]: I had bought the land, backed out of it.
• 1:00:47
  [SPEAKER_02]: Keith was part of that.
• 1:00:50
  [SPEAKER_02]: And it is the best decision ever made.
• 1:00:54
  [SPEAKER_02]: Because if I would have bought that, I couldn't have got this building at Jolly and right now.
• 1:00:58
  [SPEAKER_02]: If I would have bought that, then I would have had to be a little bit more strategic with my budget income.
• 1:01:04
  [SPEAKER_02]: And then if I would have bought that, I would have had to bring people to that house to record the show.
• 1:01:08
  [SPEAKER_02]: And I don't know if I want everyone at my personal.
• 1:01:11
  [SPEAKER_02]: And so I just think, man, I want to encourage you that, yeah, it's for the greater good.
• 1:01:19
  [SPEAKER_02]: And when you look at your daughter and you're teaching your daughter, baby, you've got to make sacrifices.
• 1:01:23
  [SPEAKER_02]: Now, you use a medium on me, some sacrifices for you though.
• 1:01:28
  [SPEAKER_02]: because we wanted you to raise up differently from what we experienced.
• 1:01:31
  [SPEAKER_02]: And we have amazing parents.
• 1:01:34
  [SPEAKER_02]: But our parents gave us this level, it is our responsibility to go up here.
• 1:01:39
  [SPEAKER_02]: And then when you become a parent, it is now your responsibility to go beyond what we gave you.
• 1:01:44
  [SPEAKER_02]: So if we give you a hundred thousand, you better marry a man who can give his daughter or his kid two hundred thousand.
• 1:01:50
  [SPEAKER_02]: But the bar has to raise and that always has to be sacrifices.
• 1:01:54
  [SPEAKER_02]: But just think about it.
• 1:01:56
  [SPEAKER_02]: By this time, make sure.
• 1:01:59
  [SPEAKER_02]: You all will be, thirty-three, twenty-nine, one-year-old, three months in your savings account of your net pay and completely debt-free.
• 1:02:11
  [SPEAKER_02]: And investing into your future.
• 1:02:14
  [SPEAKER_02]: May God millionaires for y'all turn and fit you.
• 1:02:17
  [SPEAKER_02]: Hallelujah.
• 1:02:18
  [SPEAKER_02]: We got an hour or so.
• 1:02:23
  [SPEAKER_02]: Cut it in a credit card.
• 1:02:24
  [SPEAKER_02]: Stop, stop, stop, stop charging things on them things, man.
• 1:02:28
  [SPEAKER_02]: Get with your relative.
• 1:02:29
  [SPEAKER_02]: If you have a real estate, if you don't, you can use a Keith and a coalition group.
• 1:02:33
  [SPEAKER_02]: They are amazing.
• 1:02:35
  [SPEAKER_02]: They've done all of my real estate deals.
• 1:02:38
  [SPEAKER_02]: And they will get you the best bang for your buck.
• 1:02:40
  [SPEAKER_02]: But I would not rush into buying another one.
• 1:02:44
  [SPEAKER_02]: I will use that to get financially free and it's just I promise you I promise you and I'll speak to my brother you will feel so much better knowing that your family's in a good place financially because of the two major sacrifices.
• 1:03:05
  [SPEAKER_02]: And I'm not in a relationship.
• 1:03:07
  [SPEAKER_02]: So I can't say this as an expert, but I have been told by other married couples.
• 1:03:12
  [SPEAKER_02]: Your wife is going to sleep better and your wife is going to be even better wife because financial stress is not a part of the situation.
• 1:03:22
  [SPEAKER_02]: And so I don't know that's going to produce any more kids.
• 1:03:24
  [SPEAKER_02]: I don't know.
• 1:03:26
  [SPEAKER_02]: But all I do know is when they don't have to worry about finances or about is my husband doing the right thing, it just operates the woman from where I was told from my therapist.
• 1:03:39
  [SPEAKER_02]: It just puts her in a place to where she could be a healthier version of herself.
• 1:03:44
  [SPEAKER_02]: And when you have a healthier version of your wife, you will naturally become a better man.
• 1:03:49
  [SPEAKER_02]: because she's just like, hey, let's go.
• 1:03:51
  [SPEAKER_02]: But if she got to see my baby, what are we going to do?
• 1:03:53
  [SPEAKER_02]: Like, baby, how do we go and pay for it?
• 1:03:55
  [SPEAKER_02]: They're be able to.
• 1:03:56
  [SPEAKER_02]: Then it's like, she can't really be her healthy version.
• 1:03:58
  [SPEAKER_03]: Yeah.
• 1:03:59
  [SPEAKER_02]: Stella Carbra, set a house in the spring, get it ready for the spring, right?
• 1:04:05
  [SPEAKER_02]: By July.
• 1:04:06
  [SPEAKER_02]: This is, was it, okay?
• 1:04:08
  [SPEAKER_02]: But August is the next year, man.
• 1:04:09
  [SPEAKER_02]: Yeah, I'm gonna come back on the show.
• 1:04:11
  [SPEAKER_02]: I'm gonna be going to talk about it.
• 1:04:13
  [SPEAKER_05]: Okay.
• 1:04:13
  [SPEAKER_02]: All right.
• 1:04:14
  [SPEAKER_02]: Y'all good?
• 1:04:15
  [SPEAKER_05]: Yes.
• 1:04:16
  [SPEAKER_02]: I love y'all.
• 1:04:17
  [SPEAKER_05]: Love y'all.
• 1:04:18
  [SPEAKER_02]: Love y'all too.
• 1:04:19
  [SPEAKER_02]: Thank y'all for being a part of this show.
• 1:04:21
  [SPEAKER_02]: And for watching, if you want to come on here, hey, since the email will love to have you come on here, I like to say, as you can see, man, we really do this with love, with compassion.
• 1:04:31
  [SPEAKER_02]: And I'm a be honest, you know, he's going to sell the car and he's going to sell the house and he'll get an apartment or a town home.
• 1:04:37
  [SPEAKER_02]: You're gonna rent something for at least three years, right?
• 1:04:41
  [SPEAKER_02]: And then we'll see what the Lord does now.
• 1:04:42
  [SPEAKER_02]: All right.
• 1:04:43
  [SPEAKER_02]: Love y'all.
• 1:04:44
  [SPEAKER_02]: Peace out.