Latest / We Talk Back / EP. 67 " Ain't No Forgiveness Bae" with Sonia Lewis

Transcript

EP. 67 " Ain't No Forgiveness Bae" with Sonia Lewis · We Talk Back

• 0:00
  Speaker 1: Talk, talk, talk to them.
• 0:03
  Speaker 2: We're just two unapologetically black women with an opinion who
• 0:07
  Speaker 2: talk back. Hey y'all, it's me, Tam Bam. Welcome back
• 0:13
  Speaker 2: to a new episode of We Talk Back.
• 0:15
  Speaker 1: Hey! And it's your co-host, AJ Holiday. How you doing, AJ?
• 0:24
  Speaker 1: I'm good, girl. That was a good introduction. You like that?
• 0:28
  Speaker 1: Yelling in the goddamn mic. Period. What's up, child? How
• 0:33
  Speaker 1: was your weekend?
• 0:35
  Speaker 2: My weekend was cool. I went outside. I know I
• 0:37
  Speaker 2: said I wasn't going outside, but I did go outside.
• 0:39
  Speaker 1: The lies motherfuckers tell, boy.
• 0:43
  Speaker 2: You sitting up in this 24th floor looking down. It's
• 0:46
  Speaker 2: all kind of shit and energy outside. It makes it
• 0:49
  Speaker 2: hard to want to stay inside when it's all beautiful
• 0:51
  Speaker 2: and stuff.
• 0:53
  Speaker 1: So I was outside. Bitch, you was going outside when
• 0:55
  Speaker 1: it was cold as fuck outside. You was outside. It's
• 1:00
  Speaker 1: harder when it's nice. Sun's out, buns out, right? So
• 1:04
  Speaker 1: what clubs you hit up this weekend in Charlotte? You
• 1:06
  Speaker 1: might as well, listen, first of all, you might need
• 1:08
  Speaker 1: to try to get some little promo money from these
• 1:11
  Speaker 1: niggas in Charlotte, okay, about these spots you be in. Yeah,
• 1:13
  Speaker 1: you know what? I mean, what can we do?
• 1:15
  Speaker 2: Absolutely, because I be moving around the city. So I
• 1:18
  Speaker 2: went to, I started at Infused, which is like a
• 1:23
  Speaker 2: little hookah bar. Then I left there, and I went
• 1:26
  Speaker 2: to Fahrenheit, which is like a rooftop situation.
• 1:28
  Speaker 1: You can see the city. City views. It's good cocktails.
• 1:31
  Speaker 3: Had a few drinks there.
• 1:32
  Speaker 2: Then I left there, and I went to another place
• 1:34
  Speaker 2: called 15th Street Social, which is a newer spot. It
• 1:39
  Speaker 2: seemed kind of young, but the DJ said the people
• 1:41
  Speaker 2: wasn't that young. Black just don't crack. That was cool.
• 1:45
  Speaker 2: Left there, and I went to Cloud South End, which
• 1:49
  Speaker 2: is a nice little jumping. It's like one of the
• 1:51
  Speaker 2: most popping spots in Charlotte right now, Cloud. And that
• 1:54
  Speaker 2: was Saturday night.
• 1:56
  Speaker 3: I went to all of those places.
• 1:59
  Speaker 2: Then Sunday, I got up and I went to 1501,
• 2:04
  Speaker 2: which is like an outdoor situation. Real good vibes, good music,
• 2:09
  Speaker 2: R & Bs. Grown crowd, very grown crowd.
• 2:13
  Speaker 1: Oh, yeah, I went there. I went there a couple
• 2:15
  Speaker 1: weeks ago to watch a football game. It's like outside, right?
• 2:18
  Speaker 3: Yeah, it's outside.
• 2:19
  Speaker 1: It's next to that Ruby, what's that brunch spot?
• 2:23
  Speaker 3: Ruby Sunshine?
• 2:24
  Speaker 2: No, I think you might be talking about Lost and Found.
• 2:27
  Speaker 2: Lost and Found is another good spot.
• 2:30
  Speaker 1: No, I'm pretty sure it's 1501. Maybe I'm thinking about... Yeah,
• 2:34
  Speaker 1: but that's the place. It's like outside. They're all in
• 2:35
  Speaker 1: the same area, though. Yeah. Okay.
• 2:38
  Speaker 4: Yeah.
• 2:38
  Speaker 1: I went there. And I was like, damn. I asked
• 2:40
  Speaker 1: the bartender. I'm like, who on this? She said it
• 2:41
  Speaker 1: was black-owned. I'm like, okay. Yeah. These black-owned little nightclubs
• 2:46
  Speaker 1: in Charlotte, they be doing the damn thing.
• 2:50
  Speaker 2: And then I left 1501 and I went to Stats
• 2:53
  Speaker 2: on Sunday night.
• 2:54
  Speaker 1: Stats on Sunday night is like a whole vibe. That's
• 2:57
  Speaker 1: a big-ass spot, too.
• 2:58
  Speaker 3: It's like church. They call it church on Sunday.
• 3:02
  Speaker 1: What a bunch of fucking heathens.
• 3:04
  Speaker 4: Right.
• 3:04
  Speaker 2: They didn't see nobody's real church. I do be going
• 3:08
  Speaker 2: to church online on Sunday, Sunday morning.
• 3:11
  Speaker 1: I go to Elevation.
• 3:13
  Speaker 2: Receiving first aid. It gives me the word before I
• 3:16
  Speaker 2: go out and drink.
• 3:17
  Speaker 1: Now, one day we was talking and I said, you said, yeah,
• 3:20
  Speaker 1: I went to church twice today. I was like, damn, girl.
• 3:23
  Speaker 1: You was like, man, fuck these niggas. I went to
• 3:24
  Speaker 1: church twice. I'm really thinking this bitch went to church twice.
• 3:27
  Speaker 1: She talking about online church. It's online. You ain't going nowhere.
• 3:32
  Speaker 1: I did go. I was in attendance.
• 3:34
  Speaker 2: They recognize the listeners online, bitch.
• 3:39
  Speaker 1: You said some tithing? I ain't tithing no money. Now
• 3:47
  Speaker 1: you runs out now. That's one thing I ain't about
• 3:49
  Speaker 1: to do. You runs out now.
• 3:53
  Speaker 2: That was my weekend. But this weekend I'm going to chill.
• 3:55
  Speaker 2: Is Mother's Day this weekend coming up?
• 3:58
  Speaker 1: No, it's next weekend. Sunday the 18th. This weekend I
• 4:03
  Speaker 1: don't have... I might fly to Atlanta this weekend or something.
• 4:07
  Speaker 1: Just to get away. I'm going to Jamaica next week.
• 4:09
  Speaker 1: I can't wait. So I'm going to have to do
• 4:12
  Speaker 1: something for my mom before I dip out on her ass. Yep.
• 4:16
  Speaker 1: My weekend was uneventful per usual. My stepdad is in
• 4:19
  Speaker 1: the hospital. That's what I've been dealing with. Yeah, man. Listen,
• 4:24
  Speaker 1: y'all take care of your bodies when you're young. Just
• 4:27
  Speaker 1: take care of your bodies when you're young so nobody
• 4:29
  Speaker 1: have to take care of you when you get old.
• 4:31
  Speaker 1: Like that should just be goals.
• 4:33
  Speaker 2: Yeah, but I mean, that's deteriorating as we get older
• 4:39
  Speaker 2: is a part of life kind of, right? Even if
• 4:41
  Speaker 2: we take care of ourselves, it's just only so much
• 4:44
  Speaker 2: you can do before somebody got to take care of you.
• 4:46
  Speaker 1: You know, I read this article that suggests that each
• 4:50
  Speaker 1: human has a certain amount of heartbeats. We just don't
• 4:54
  Speaker 1: know what our predetermined amount of heartbeats are. Could you
• 4:58
  Speaker 1: imagine that? Like if somewhere they got... You knew? I
• 5:01
  Speaker 1: wouldn't want to know.
• 5:03
  Speaker 4: Yeah.
• 5:03
  Speaker 1: No, hell no. Me either. I be spending my days
• 5:06
  Speaker 1: counting them. But I did also read, because a couple
• 5:09
  Speaker 1: months ago I was stressed out. Like, why the fuck is,
• 5:11
  Speaker 1: I always wear my Fitbit, right? I know everybody got
• 5:13
  Speaker 1: Apple Watch, but I like Fitbit. I, my heart rate
• 5:17
  Speaker 1: is always like low, like 55. So I'm thinking I'm dying.
• 5:20
  Speaker 1: And I was watching Discovery of Witches last night. Of
• 5:25
  Speaker 1: course you were. And the dude, one of the vampire characters,
• 5:31
  Speaker 1: old girl was feeling his chest and she was like,
• 5:33
  Speaker 1: you know, you don't have a heartbeat. And then the
• 5:35
  Speaker 1: heartbeat came, right? He was like, I do have a heartbeat.
• 5:38
  Speaker 1: It's just slower, you know, because we live internal. We
• 5:42
  Speaker 1: got eternal life. So your heartbeat. Then I started Googling.
• 5:45
  Speaker 1: I said, wait a minute. So I'm not sick because
• 5:47
  Speaker 1: my heartbeat is fucking slow. So you think you're a
• 5:50
  Speaker 1: vampire bitch? Now I'm a lift. I already know I'm
• 5:53
  Speaker 1: a lift till I'm like 95, but now it's like confirmed.
• 5:57
  Speaker 4: Yeah.
• 5:58
  Speaker 1: Bitch, I take it easy. Okay.
• 6:00
  Speaker 3: What network was this on?
• 6:04
  Speaker 1: AMC, bitch. Listen, I take it easy. I know I'm
• 6:07
  Speaker 1: going to be around here until like 93, 95. That's
• 6:10
  Speaker 1: why I need y'all to stop fucking up my world. Okay.
• 6:13
  Speaker 1: If you planning on dying at 60. Okay. Stop fucking
• 6:16
  Speaker 1: my world up.
• 6:18
  Speaker 2: Y'all, let's go to commercial on that note because this
• 6:20
  Speaker 2: bitch is fucking nuts.
• 6:23
  Speaker 1: We'll be right back.
• 6:24
  Speaker 4: All right.
• 6:29
  Speaker 1: Let's get into some dumb internet news, y'all. What we
• 6:32
  Speaker 1: got going on, Tam?
• 6:34
  Speaker 2: So Meg Thee Stallion did an interview with Gayle King.
• 6:38
  Speaker 4: Why?
• 6:39
  Speaker 1: Did you guys see that? Why? I don't know. Why? Why?
• 6:44
  Speaker 2: I thought they put Tori under a gag about this
• 6:48
  Speaker 2: whole situation that happened. So why is she allowed to
• 6:52
  Speaker 2: do interviews with Gayle King and he can't say anything?
• 6:55
  Speaker 1: I guess because maybe we're looking at it wrong. We're
• 7:00
  Speaker 1: looking at it as if it doesn't seem fair. Should
• 7:02
  Speaker 1: we be looking at it as if this nigga is
• 7:04
  Speaker 1: fucking guilty and I'm a victim and I should be
• 7:06
  Speaker 1: able to talk about it? This is therapy for me
• 7:09
  Speaker 1: at this point. And with the whole world... I'm not
• 7:13
  Speaker 1: here to judge either one of them. This shit has
• 7:21
  Speaker 1: been going on for two years now. It's like two
• 7:24
  Speaker 1: years now. The fact of the matter is, Meg Thee
• 7:28
  Speaker 1: Stallion did not have a gun, and she got hurt.
• 7:33
  Speaker 1: Somebody else had a gun. You see what I'm saying?
• 7:36
  Speaker 4: She got hurt.
• 7:37
  Speaker 1: And with the internet and everybody, she probably felt the
• 7:39
  Speaker 1: need to get out there and tell her story in
• 7:42
  Speaker 1: some type of way and get a check off it
• 7:43
  Speaker 1: at the same time. Yeah. I feel you.
• 7:48
  Speaker 2: So I'm going to read some of the things that
• 7:50
  Speaker 2: Megan said. Megan said, it was an argument because I
• 7:55
  Speaker 2: was ready to go and everybody else wasn't ready to go.
• 7:59
  Speaker 2: But that's like normal friend stuff. Like we fuss about
• 8:02
  Speaker 2: silly stuff all the time. But I never put my
• 8:05
  Speaker 2: hands on anybody. I never raised my voice too loud.
• 8:08
  Speaker 2: Like this was one of them times where it was like,
• 8:10
  Speaker 2: it got, this was one of them times where it
• 8:14
  Speaker 2: was like, it shouldn't have got this crazy.
• 8:17
  Speaker 1: Right. And I can, I can understand that. You know
• 8:19
  Speaker 1: how sometimes like you and a friend could be, y'all
• 8:21
  Speaker 1: could be playing damn near all of a sudden somebody
• 8:23
  Speaker 1: really gets serious. Like I can see that happening. I've
• 8:26
  Speaker 1: had that happen. Um, but you know, one thing I
• 8:31
  Speaker 1: did see according to a public transcript from December 15th, 14th, 2021,
• 8:37
  Speaker 1: hearing on Meg Thee Stallion and Tory Lanez case, the
• 8:40
  Speaker 1: source can confirm that the officer testified there was gunshot
• 8:45
  Speaker 1: residue found on Tory's hands. So now all the public
• 8:51
  Speaker 1: judges have been saying, oh, they found the residue on
• 8:56
  Speaker 1: old girl's hand, the home girl, Casey. What was her name?
• 8:59
  Speaker 1: Was her name Casey?
• 9:00
  Speaker 4: Mm-hmm.
• 9:03
  Speaker 1: Kelsey, sorry, that they found the residue on Kelsey's hands.
• 9:07
  Speaker 1: But in actual evidence at the courts now, they're saying
• 9:12
  Speaker 1: that the residue was on Tori's hands. Then also, you know,
• 9:18
  Speaker 1: this shit a mess. It is.
• 9:20
  Speaker 2: She's saying that they never slept with.
• 9:23
  Speaker 1: Each other, her and Tori. I mean, are you publicly
• 9:26
  Speaker 1: about to damn? Listen, this my pussy. I don't got
• 9:29
  Speaker 1: to confirm or deny nothing for y'all.
• 9:31
  Speaker 4: Period.
• 9:32
  Speaker 1: So whether she did or not, is that her business?
• 9:35
  Speaker 1: I feel like even, I feel like her saying that
• 9:37
  Speaker 1: they did would even, that would be a better defense
• 9:40
  Speaker 1: for her. It would be, not a defense, sorry. It
• 9:42
  Speaker 1: would be a better situation if she did say that
• 9:45
  Speaker 1: they were fucking because that's even more reason for him
• 9:47
  Speaker 1: to shoot at her. But I feel like if you're
• 9:49
  Speaker 1: going to come out and talk about this shit, tell
• 9:52
  Speaker 1: the whole truth now. Don't tell truth. But maybe that
• 9:56
  Speaker 1: is the truth.
• 9:57
  Speaker 3: Maybe it is the truth.
• 9:58
  Speaker 1: Well, I know.
• 9:59
  Speaker 2: I mean, based off what you're saying, why would I
• 10:01
  Speaker 2: come out and tell somebody my sexual business?
• 10:03
  Speaker 1: You know, like. Right.
• 10:05
  Speaker 2: You know, if you're going to tell it now, tell
• 10:07
  Speaker 2: it all.
• 10:08
  Speaker 1: Yeah. And I believe her. I believe Meg Thee Stallion.
• 10:11
  Speaker 1: I've been saying that. We done talked about this shit
• 10:13
  Speaker 1: for the last year. I want to believe her.
• 10:18
  Speaker 2: I want desperately to believe her, but I just still,
• 10:21
  Speaker 2: you know, it's just so much stuff that, like, first
• 10:25
  Speaker 2: it was, like, glass, then it was a shooting, and
• 10:27
  Speaker 2: it's just too many different stories.
• 10:30
  Speaker 1: She got hit by bullet fragments.
• 10:32
  Speaker 2: Then the fact that her and her best friends are
• 10:34
  Speaker 2: no longer best friends after this just seems like some
• 10:37
  Speaker 2: fishy shit going on.
• 10:39
  Speaker 1: Well, did you see where somebody, I don't know who
• 10:42
  Speaker 1: he was trying to pay, the homegirl or Meg, to
• 10:45
  Speaker 1: be quiet for a million dollars?
• 10:47
  Speaker 2: Tori offered $ 1 million to keep silent. So, did he
• 10:52
  Speaker 2: offer somebody else?
• 10:54
  Speaker 1: He might have gave the homegirl a million dollars to
• 10:56
  Speaker 1: be quiet.
• 10:58
  Speaker 2: Oh, Meg Thee Stallion says Tori Lanez offered her and
• 11:02
  Speaker 2: Kelsey $ 1 million for their silence.
• 11:03
  Speaker 1: On the shooting. Damn.
• 11:08
  Speaker 3: I would have took it.
• 11:10
  Speaker 1: Maybe her homegirl did take it. You see what I'm saying?
• 11:14
  Speaker 1: Maybe her homegirl did take it, so now you just
• 11:16
  Speaker 1: left your best friend you've known way before the fame,
• 11:20
  Speaker 1: you left her out hanging to get on her level.
• 11:24
  Speaker 1: You see what I'm saying? I would never. That's why
• 11:26
  Speaker 1: I always say, man, integrity is a lifelong commitment because
• 11:29
  Speaker 1: I'd never do that to one of my fucking friends.
• 11:31
  Speaker 1: Fuck that nigga. Like he got to go to jail
• 11:33
  Speaker 1: because regardless of what, even if it wasn't a direct bullet,
• 11:36
  Speaker 1: like I said, she didn't have a gun. There was
• 11:39
  Speaker 1: a weapon on the scene and she's the only one
• 11:42
  Speaker 1: that got hurt. What does that say? She said he
• 11:45
  Speaker 1: was hanging out the car window. shooting at her feet.
• 11:49
  Speaker 1: Do y'all know what fragments are? He didn't say that.
• 11:52
  Speaker 1: It wasn't a bullet. She might have thought it was
• 11:54
  Speaker 1: glass initially. You know what I'm saying? It could have
• 11:57
  Speaker 1: ricocheted off the concrete. It could have been pieces of
• 12:00
  Speaker 1: concrete in her foot.
• 12:01
  Speaker 4: Anything.
• 12:02
  Speaker 1: But that's what happened.
• 12:04
  Speaker 3: She got real.
• 12:05
  Speaker 1: Ghetto. She got real ghetto.
• 12:07
  Speaker 4: Yes.
• 12:08
  Speaker 1: Oh, yeah, yeah, yeah. And it wasn't her that called
• 12:10
  Speaker 1: the police. It was bystanders that heard gunshots. What are
• 12:14
  Speaker 1: we talking about? But when a black woman say somebody
• 12:17
  Speaker 1: hurt them, nobody fucking cares. And that's what this is
• 12:20
  Speaker 1: giving to me. It's just what it's giving. Why do
• 12:23
  Speaker 1: you say nobody cares? Because in the court of public opinion,
• 12:28
  Speaker 1: Meg Thee Stallion is a liar. There's a lot of
• 12:30
  Speaker 1: women who think she's a liar. And there's a lot
• 12:33
  Speaker 1: of men who think she's a liar. When she initially
• 12:35
  Speaker 1: said she didn't even want to say nothing because she
• 12:36
  Speaker 1: didn't want to get him in trouble.
• 12:38
  Speaker 4: Still.
• 12:40
  Speaker 1: Yeah. I don't think she... I don't know what to think. I.
• 12:43
  Speaker 2: I can't say I exactly stand with Meg just because
• 12:46
  Speaker 2: of how many different stories came out in the beginning.
• 12:48
  Speaker 2: But I can't say that I stand with Tori either.
• 12:52
  Speaker 2: I'm still waiting to hear the full details of what
• 12:55
  Speaker 2: happened before I pass any judgment on anybody.
• 12:59
  Speaker 1: Well, I don't want to pass judgment at all. But
• 13:02
  Speaker 1: I'm never going to... I won't say I want victim blame.
• 13:06
  Speaker 1: But I'm not victim blaming. You know what I'm saying?
• 13:09
  Speaker 1: We know people lie sometimes. We know people make stories up.
• 13:12
  Speaker 1: We know that type of shit happens. But I have
• 13:15
  Speaker 1: seen her story be consistent. I didn't see her... I mean,
• 13:19
  Speaker 1: she never confirmed or denied a relationship with him at
• 13:21
  Speaker 1: all either. So, I don't know. I hope... Oh, and
• 13:26
  Speaker 1: another thing I wanted to add. So, Tory, he has
• 13:29
  Speaker 1: had to pay two different bonds. If he was a
• 13:32
  Speaker 1: regular nigga, he would have sat in jail with these charges.
• 13:34
  Speaker 1: He only got out because he has the means to. Yeah,
• 13:39
  Speaker 1: you're right.
• 13:40
  Speaker 2: And they've been outside, like, Posting pictures with her opps
• 13:44
  Speaker 2: and stuff like that.
• 13:45
  Speaker 1: Making funny songs and shit. Like, boy.
• 13:48
  Speaker 4: Yeah.
• 13:49
  Speaker 1: We're going to see. I don't know. What else happened?
• 13:52
  Speaker 2: Viola Davis, she did a Netflix special event with Oprah.
• 13:58
  Speaker 2: And she spoke on her childhood, you know, hardships and
• 14:02
  Speaker 2: growing up knowing.
• 14:03
  Speaker 1: She was poor. She was so beautiful in there. Yeah,
• 14:08
  Speaker 1: she looked good. And she lived in a.
• 14:11
  Speaker 2: home with rats and without utilities, like gas and electricity.
• 14:15
  Speaker 2: And she spent a lot of time being hungry as
• 14:18
  Speaker 2: a kid. That's a lot of, you know, a lot
• 14:22
  Speaker 2: of people's story I know.
• 14:24
  Speaker 1: Yeah. And, you know, as kids, like in school and stuff,
• 14:26
  Speaker 1: you never know. We've always had, like, the little stink
• 14:29
  Speaker 1: kids in school.
• 14:33
  Speaker 3: And you used to be one of them bitches making
• 14:35
  Speaker 3: fun of the stink kids.
• 14:36
  Speaker 1: Nah, not true. I distinctively remember a super stink white boy.
• 14:42
  Speaker 1: who was in my class, and he had like a mullet,
• 14:45
  Speaker 1: mohawk-type haircut. And he would smell like fresh doo-doo every day.
• 14:51
  Speaker 1: I never said anything. Like, people would rag on him
• 14:54
  Speaker 1: all day, every day. I never would tease him. But
• 14:56
  Speaker 1: I watch people tease other people all the time. Like,
• 14:59
  Speaker 1: I never... You didn't defend him?
• 15:01
  Speaker 4: No. I mean.
• 15:04
  Speaker 1: Maybe, maybe, maybe not him in particular, but I have
• 15:08
  Speaker 1: defended people before. Y'all leave that motherfucker alone. You know
• 15:11
  Speaker 1: what I'm saying? But I would tease people I know
• 15:14
  Speaker 1: that could tease back. I like to go back and forth.
• 15:17
  Speaker 1: If you ain't going to defend yourself, I'm not about
• 15:19
  Speaker 1: to just be beating you down. But as kids, you
• 15:22
  Speaker 1: don't realize the struggles students go through. Some of them,
• 15:26
  Speaker 1: the only meal they get would be the one they
• 15:28
  Speaker 1: have at school. At school, yeah. You know what I'm saying? Like,
• 15:31
  Speaker 1: once you get to be an adult and you see
• 15:32
  Speaker 1: the struggles adults have, like, you realize, like, kids be
• 15:35
  Speaker 1: in that fucking struggle. These kids be living in the
• 15:37
  Speaker 1: car with their parents, not able to wash their school
• 15:40
  Speaker 1: uniform every day.
• 15:41
  Speaker 4: Right.
• 15:42
  Speaker 1: So, I don't know. I don't know how you teach.
• 15:44
  Speaker 3: Kids are mean.
• 15:45
  Speaker 1: Little motherfucking people are mean.
• 15:47
  Speaker 4: Yeah.
• 15:47
  Speaker 1: I was a mean girl, but to people who like
• 15:50
  Speaker 1: to be a mean girl, too. They don't have the bandwidth.
• 15:52
  Speaker 2: To understand, like, the hardships of children and adults, and
• 15:55
  Speaker 2: they just don't care, you know?
• 15:57
  Speaker 4: Yeah. Yeah.
• 15:59
  Speaker 2: But she also, not necessarily on this Netflix special, but
• 16:05
  Speaker 2: she did discuss.
• 16:07
  Speaker 3: Wanting a big black man. Was that on there?
• 16:10
  Speaker 1: Yes, she was manifesting her husband child. From the South,
• 16:14
  Speaker 1: and that's what she got. Big black man from the
• 16:17
  Speaker 1: South who loved God, who was athletic. So he was
• 16:22
  Speaker 1: a retired football player. So she got exactly what he wanted. Like,
• 16:26
  Speaker 1: I know people always tell us to manifest, manifest.
• 16:28
  Speaker 4: Sorry.
• 16:29
  Speaker 1: So she got exactly what she wanted. So people always
• 16:32
  Speaker 1: talk about manifesting, right? But you got to be real specific.
• 16:35
  Speaker 1: You see how specific she was?
• 16:38
  Speaker 4: Right.
• 16:38
  Speaker 1: When asking for her husband.
• 16:39
  Speaker 2: She put where he was from, his bill, what type
• 16:43
  Speaker 2: of man he was, all those things and what she
• 16:45
  Speaker 2: asked for. But I feel like a lot, I've been, listen,
• 16:47
  Speaker 2: I've been very specific. God, if you hear me. You
• 16:51
  Speaker 2: wrote it down though?
• 16:52
  Speaker 1: Yeah, I wrote it down. It's in my Bible.
• 16:56
  Speaker 2: It's in a paper in the bible so we're gonna
• 16:59
  Speaker 2: see y'all gonna bear witness to this beautiful black man
• 17:03
  Speaker 2: that god gonna send.
• 17:04
  Speaker 1: Me this year god this year what if he like
• 17:08
  Speaker 1: a low ugly.
• 17:10
  Speaker 2: You know i i've done a little i've done a
• 17:12
  Speaker 2: lot of ugly so i can do a little ugly
• 17:17
  Speaker 2: i don't like my man being as fine.
• 17:18
  Speaker 1: As me though so on the piece of paper in
• 17:21
  Speaker 1: the bible did you put anything about penis size in
• 17:24
  Speaker 1: there I did not. So there you go. He gonna
• 17:30
  Speaker 1: be fine with a lot of money.
• 17:32
  Speaker 2: Penis size is not like a big thing for me.
• 17:36
  Speaker 2: Like I don't need like the biggest dick nigga. Like,
• 17:40
  Speaker 2: I mean, do I want, I don't, first of all,
• 17:41
  Speaker 2: I don't like really big dicks anyway.
• 17:43
  Speaker 1: Me either.
• 17:44
  Speaker 2: If you got like a humongous dick, like that's just
• 17:46
  Speaker 2: not even like, that hurts. I can't do that all
• 17:48
  Speaker 2: the time. I want a, I want the baby bear
• 17:51
  Speaker 2: porridge bitch.
• 17:52
  Speaker 1: The medium sized bitch. The hamburger. But I didn't put
• 18:00
  Speaker 1: that in my... I did not add that.
• 18:05
  Speaker 2: I don't know if I want to talk about dick
• 18:07
  Speaker 2: and put it in my Bible.
• 18:08
  Speaker 1: You got to be specific. You got to be specific. Well,
• 18:13
  Speaker 1: you could just say you don't want a good lover. Yeah, okay.
• 18:17
  Speaker 2: That's what it's about for me. It's not about the size.
• 18:21
  Speaker 1: Of the boat. It's the motion in the ocean. All right,
• 18:30
  Speaker 1: real quick.
• 18:31
  Speaker 2: There was a trend on TikTok where black women with
• 18:34
  Speaker 2: their white boyfriends calling them master.
• 18:37
  Speaker 1: Have you seen that? What the fuck is that about?
• 18:40
  Speaker 1: Not until you said that shit to me, bitch. I
• 18:42
  Speaker 1: did see a couple black eyes, too. But why would...
• 18:45
  Speaker 1: It's like, you know, my first thought was, did somebody
• 18:48
  Speaker 1: take the time to pull out all these different interracial
• 18:51
  Speaker 1: couples and then put that put that audio over the pictures.
• 18:56
  Speaker 2: I think these interracial couples are doing it themselves and,
• 19:00
  Speaker 2: you know, they think it's funny.
• 19:03
  Speaker 1: Like, uh-huh, master. That shit is whack.
• 19:07
  Speaker 3: It's a jokey joke.
• 19:08
  Speaker 4: You know?
• 19:09
  Speaker 1: You see how those black women look.
• 19:14
  Speaker 2: They look like the type of bitches that would be
• 19:16
  Speaker 2: in a TikTok calling their white boyfriend their master.
• 19:19
  Speaker 1: With that fucking nappy leave out. Get your life. Get
• 19:23
  Speaker 1: your ugly ass. Just crazy. Yeah, I didn't like that.
• 19:33
  Speaker 1: But to each their own. Yes.
• 19:36
  Speaker 2: If you have like a fucking slavery fantasy with your
• 19:41
  Speaker 2: white fetish master that's your thing girl.
• 19:44
  Speaker 1: This is dumb where are you where's your daddy you
• 19:46
  Speaker 1: don't have to.
• 19:47
  Speaker 2: Post it though that's your thing do it privately that's
• 19:49
  Speaker 2: insane to all black women everywhere.
• 19:52
  Speaker 1: Girl, everything does not belong on the internet. And that's
• 19:55
  Speaker 1: why we have stupid internet news. News.
• 19:57
  Speaker 3: Thank you for content, you dumb head hoe.
• 20:01
  Speaker 1: All right, I'm sorry.
• 20:03
  Speaker 4: I'm sorry.
• 20:04
  Speaker 1: I didn't mean that.
• 20:07
  Speaker 4: Shayne.
• 20:09
  Speaker 1: Y'all, but listen, we got a super dope guest on
• 20:12
  Speaker 1: We Talk Back today, helping y'all bitches and us bitches
• 20:17
  Speaker 1: get our lives together. Y'all stay tuned. All right, y'all, listen.
• 20:27
  Speaker 1: So we started this year off a little bit different
• 20:30
  Speaker 1: for season two of We Talk Back. First few episodes
• 20:33
  Speaker 1: is kind of dedicated to our 2022 goals, which I
• 20:38
  Speaker 1: believe we share a lot of the same goals. You
• 20:40
  Speaker 1: want to lose weight. We talked about finances, real estate,
• 20:43
  Speaker 1: people we had come on. What else did we do, Tam?
• 20:47
  Speaker 1: Friendship goals. I don't know.
• 20:48
  Speaker 3: That was a long time ago.
• 20:50
  Speaker 1: We had friendship goals also, right? Yeah.
• 20:54
  Speaker 4: Uh-huh. So.
• 20:56
  Speaker 3: We were trying to get back to that.
• 20:58
  Speaker 1: Yes. Okay, so we're trying to get back to helping
• 21:01
  Speaker 1: everybody and ourselves with our New Year's resolution. So look,
• 21:05
  Speaker 1: we're talking debt today. Not just any debt. We're talking
• 21:08
  Speaker 1: student loan debt, y'all.
• 21:10
  Speaker 3: Okay?
• 21:11
  Speaker 2: Because I know y'all bitches broke like me from these
• 21:13
  Speaker 2: student loans.
• 21:15
  Speaker 4: Exactly.
• 21:15
  Speaker 1: Y'all, we got the CEO of the student loan, Dr. LLC,
• 21:21
  Speaker 1: and self-proclaimed overdraft queen, Sonia Lewis. Hey girl.
• 21:30
  Speaker 4: Hey ladies. Well, I want to say former overdraft queen.
• 21:33
  Speaker 4: I've been working.
• 21:34
  Speaker 1: No, we know that. We already know. Yeah. So how
• 21:41
  Speaker 1: are you doing Sonia? Tell our listeners about you.
• 21:44
  Speaker 4: I'm good.
• 21:45
  Speaker 1: I'm good.
• 21:46
  Speaker 4: Um, I'm checking in from Miami, Florida, my favorite place
• 21:49
  Speaker 4: on earth. Um, I moved here recently because it was
• 21:54
  Speaker 4: just way too cold in Philly. And it was just
• 21:58
  Speaker 4: a joke to come down here, guys. And then what
• 22:00
  Speaker 4: happened was I loved it, and I kept extending my Airbnb.
• 22:05
  Speaker 4: Now I'm looking at apartments. Then I went and bought
• 22:08
  Speaker 4: a Lamborghini. Like, life just happened really, really fast. And
• 22:12
  Speaker 4: I think I just got caught up. I'm not even
• 22:13
  Speaker 4: going to lie. I'm real caught up these days. But
• 22:16
  Speaker 4: I'm having fun and teaching and helping people get out
• 22:20
  Speaker 4: of student loan debt at the same time. Um, so yeah.
• 22:23
  Speaker 4: So where do you guys want to start when I
• 22:24
  Speaker 4: was real broke or like now? I mean, cause it's
• 22:26
  Speaker 4: like two different people.
• 22:26
  Speaker 2: Start from the beginning on how you guys started with, uh,
• 22:30
  Speaker 2: you know, helping people with student loans in this industry.
• 22:32
  Speaker 4: Yeah.
• 22:33
  Speaker 1: How did you start the student loan doctor?
• 22:34
  Speaker 4: Yeah, I was real broke. And so I just want to,
• 22:38
  Speaker 4: you know, emphasize that, um, I was living like beyond
• 22:41
  Speaker 4: check to check, like overdraft to overdraft. And then some,
• 22:46
  Speaker 4: like almost had my account closed a few times, but
• 22:48
  Speaker 4: God stepped in. And then I was like, you got
• 22:51
  Speaker 4: to get your money right. Like you don't have to
• 22:53
  Speaker 4: live like this. And so I took a financial literacy
• 22:56
  Speaker 4: class at church. And then I started helping people at
• 23:00
  Speaker 4: the church understand their student loan debt because that's my
• 23:02
  Speaker 4: professional background. And then people started trying to send their
• 23:06
  Speaker 4: cousins and their family members. And I didn't even hear
• 23:11
  Speaker 4: from the Lord. I still haven't heard this message yet.
• 23:14
  Speaker 4: To do the work for free. So I'm like, okay.
• 23:17
  Speaker 1: He not going to tell you that.
• 23:19
  Speaker 4: Right. I ain't never heard it. So I started meeting
• 23:21
  Speaker 4: people at the Corner Bakery. Now, have you ever been
• 23:24
  Speaker 4: to the Corner Bakery before? No. Okay. Cozy's, like, any bakery?
• 23:30
  Speaker 1: Yeah, yeah. Okay.
• 23:32
  Speaker 4: Well, you know, in the bakery, you got to find
• 23:34
  Speaker 4: the spot next to the plug.
• 23:37
  Speaker 1: Okay, the socket. Yeah.
• 23:39
  Speaker 4: Yes, the socket. Mm-hmm. And so what I had to
• 23:42
  Speaker 4: do was I would go to work every day. I
• 23:45
  Speaker 4: would run to the corner bakery, and I would get
• 23:48
  Speaker 4: the corner roof with the socket. Now, in order to
• 23:51
  Speaker 4: secure this spot, I had to flirt for it. Now,
• 23:55
  Speaker 4: I still owe somebody a date, but I'm never going
• 23:57
  Speaker 4: to cash that in. So, you know, you got to
• 24:00
  Speaker 4: do some strange things to start your business, okay?
• 24:03
  Speaker 2: That wasn't that bad.
• 24:04
  Speaker 1: I done heard about it.
• 24:06
  Speaker 2: No, I never had something like that.
• 24:11
  Speaker 4: You know, I'm excited that I have to say I
• 24:14
  Speaker 4: never did that. No $ 40 house? But I feel like
• 24:18
  Speaker 4: he was going to cash in on something soon, so
• 24:20
  Speaker 4: I had to get an office. It was getting real weird.
• 24:25
  Speaker 4: Because he would put this, like, reserve sign. I've never
• 24:28
  Speaker 4: seen a reserve sign in a free bakery before, again.
• 24:31
  Speaker 1: He made that sign for you. He did.
• 24:34
  Speaker 4: It was a little homemade, but we got to just
• 24:36
  Speaker 4: look at his heart. So I'm pretty sure. I was
• 24:41
  Speaker 4: helping people at the bakery and I was charging like
• 24:44
  Speaker 4: when I would get a little paid more than at
• 24:45
  Speaker 4: the job. I'm like, all right, this might go somewhere.
• 24:48
  Speaker 4: So I started taking off work and opening up my calendar.
• 24:52
  Speaker 4: And then people just started making their appointments and paying
• 24:55
  Speaker 4: their money. So I'm like, okay, let me see what
• 24:58
  Speaker 4: would happen if I took a week off. And so
• 25:01
  Speaker 4: basically what I was doing is meeting with people, going
• 25:04
  Speaker 4: over their student loan debt with them, you know, breaking
• 25:06
  Speaker 4: down the numbers, talking about repayment plans, forgiveness. And I
• 25:10
  Speaker 4: would help them call their lender. You know, they would talk,
• 25:12
  Speaker 4: of course, and we would set things up. And it
• 25:15
  Speaker 4: just really, guys, it blew up in 2018. The shade room,
• 25:21
  Speaker 4: her name is Myesha. She used to work in the
• 25:22
  Speaker 4: shade room. She called me and was like, tell me
• 25:25
  Speaker 4: your story. Because I had posted something around Black History
• 25:28
  Speaker 4: Month in February. And she was like, oh, I love it.
• 25:32
  Speaker 4: She's like, I'm going to post it. Now, I'm going
• 25:35
  Speaker 4: to be honest with you. I didn't know what the
• 25:36
  Speaker 4: shade room was at the time or what it could do,
• 25:40
  Speaker 4: like the power of the shade room. But that took
• 25:43
  Speaker 4: our business from, I would say, like a high five-figure
• 25:47
  Speaker 4: business to a six-figure, now seven-figure business. So I really
• 25:53
  Speaker 4: do credit just social media for blowing it all the
• 25:56
  Speaker 4: way up. Because so many people, particularly Black women... need
• 25:59
  Speaker 4: help with student loan debt. I'm a black woman and
• 26:02
  Speaker 4: they're able to identify and then, you know, we go
• 26:04
  Speaker 4: from there.
• 26:05
  Speaker 1: Yeah, that's dope. That is very dope because, listen, everybody,
• 26:09
  Speaker 1: we know, I don't know anybody who doesn't have student
• 26:12
  Speaker 1: loan debt unless they just, even people who just went
• 26:14
  Speaker 1: to a tech school or something.
• 26:15
  Speaker 4: Like that, everybody.
• 26:16
  Speaker 1: Has student loan debt. And I was telling Tam earlier
• 26:20
  Speaker 1: that black women, like, yeah, we got the most degrees,
• 26:23
  Speaker 1: we got the doctorate degrees, all the shit, PhDs, but
• 26:26
  Speaker 1: we go into relationships with a lot of debt. That
• 26:29
  Speaker 1: maybe our male counterparts don't come with.
• 26:32
  Speaker 4: We could talk about that because I do what I
• 26:35
  Speaker 4: call a late night series on my page. And we
• 26:38
  Speaker 4: start talking at the 10 p.m., the kids asleep, I say.
• 26:41
  Speaker 4: You know, I start talking and mentoring women about like
• 26:45
  Speaker 4: the debt, particularly their student loan debt. could be affecting
• 26:47
  Speaker 4: their relationships and the quality thereof. Like, you laying next
• 26:51
  Speaker 4: to this nigga, like, you don't even like him, but
• 26:54
  Speaker 4: you in the struggle, you in the hardship. So you
• 26:56
  Speaker 4: might be dating people, entertaining people, you know.
• 26:59
  Speaker 1: That you wouldn't if you weren't broke, based off your self-esteem. Yes.
• 27:03
  Speaker 4: And self-esteem and circumstance. Right. Not even just self-esteem, you
• 27:07
  Speaker 4: might think that you the baddest in the land, but
• 27:09
  Speaker 4: your money got you in this location.
• 27:11
  Speaker 3: Now you laying with Gertrude again.
• 27:13
  Speaker 4: Yeah.
• 27:14
  Speaker 1: Because he's going to help you with your day.
• 27:15
  Speaker 2: Gertrude, that sounds like a woman's name. Don't that sound
• 27:17
  Speaker 2: like an ugly ass nigga? That's a woman's name, girl. Gertrude,
• 27:22
  Speaker 2: that ain't no woman's name.
• 27:24
  Speaker 4: It could be unisex in this case. It could be unisex. Anyway,
• 27:28
  Speaker 4: we don't know what people doing strange these days. It
• 27:30
  Speaker 4: could be unisex. I don't know. Point is, people are
• 27:33
  Speaker 4: with people because they can't afford to have the lifestyle
• 27:36
  Speaker 4: they want. And, you know, I think student loans are
• 27:38
  Speaker 4: a big part of it. They may never say it,
• 27:40
  Speaker 4: but they know. All right.
• 27:44
  Speaker 2: What advice would you give students when they're applying for
• 27:48
  Speaker 2: loans versus, you know, already in debt?
• 27:51
  Speaker 4: So I have a philosophy. So borrowing determination equals career compensation,
• 27:58
  Speaker 4: meaning you should only borrow what your career is expected
• 28:02
  Speaker 4: to pay back times two. So, for example, a lot
• 28:05
  Speaker 4: of our students, particularly our black students, go to schools
• 28:09
  Speaker 4: that are not affordable. And I love our HBCUs. I
• 28:12
  Speaker 4: really do. But the challenge is when you're saying that
• 28:16
  Speaker 4: you want to go to school and school costs $ 60, 000
• 28:19
  Speaker 4: a year, but your financial aid is only $ 20, 000, where
• 28:23
  Speaker 4: is that $ 40, 000 coming from? And so then what happens
• 28:27
  Speaker 4: is your mom, let's say your mom is in her 40s, 50s.
• 28:31
  Speaker 4: She got her credit together at this point, right? Now,
• 28:34
  Speaker 4: mom has to leverage her credit for a private loan,
• 28:37
  Speaker 4: a Parent PLUS loan, or pull equity out of her home.
• 28:41
  Speaker 4: So then the cycle of debt starts all over again
• 28:44
  Speaker 4: when mom just got out at age 40 or 50,
• 28:47
  Speaker 4: maybe from her own student loan debt. So it's really
• 28:50
  Speaker 4: a real cycle. So I often, when I talk to
• 28:52
  Speaker 4: students in a high school setting, I try to set
• 28:55
  Speaker 4: realistic expectations about college costs. I'm like, if you need
• 28:58
  Speaker 4: to go to community, it's okay. First of all, here's
• 29:01
  Speaker 4: the big hack. The same professors that teach at the
• 29:04
  Speaker 4: community college teach at the four-year institutions. They're just on
• 29:08
  Speaker 4: a different day and a different price. That's number one.
• 29:11
  Speaker 4: Number two, the other thing is we have to start
• 29:14
  Speaker 4: looking at our state schools. Our state schools are really nice.
• 29:17
  Speaker 4: They're really well-funded, but nobody wants to go to the
• 29:20
  Speaker 4: state school. They want to go to the bigger schools,
• 29:23
  Speaker 4: private institutions. And then when we see students leaving with $ 80, 000,
• 29:27
  Speaker 4: $ 100, 000 in student loan debt for a bachelor's degree, now
• 29:33
  Speaker 4: you can't get no home. Again, depending on where you
• 29:36
  Speaker 4: want to live, the type of job, and your car
• 29:38
  Speaker 4: not it's like so many things that are impacted by
• 29:40
  Speaker 4: those four years.
• 29:42
  Speaker 1: Yeah you know I don't even feel like student loans
• 29:45
  Speaker 1: actually exist I mean because no they exist no I
• 29:50
  Speaker 1: mean I know they exist but what I'm saying is
• 29:52
  Speaker 1: can our economy can our government actually pay for every
• 29:56
  Speaker 1: person who goes to fill out a FAFSA and applies
• 29:59
  Speaker 1: to a college and get accepted to go to school.
• 30:02
  Speaker 1: Is there really enough money? Because suppose every teenager goes
• 30:06
  Speaker 1: to college, right? It's really like a cash advance on
• 30:09
  Speaker 1: your future paychecks. That's how I see it. Does the
• 30:12
  Speaker 1: money actually even exist?
• 30:15
  Speaker 4: Yes and no. So let's talk about that. So here's
• 30:18
  Speaker 4: the thing. Everybody wants right now the Biden administration to
• 30:20
  Speaker 4: get rid of student loan debt. But the reason why
• 30:23
  Speaker 4: that's not going to happen... Yeah. The reason why that's
• 30:26
  Speaker 4: probably not going to happen, let me be positive, possibly
• 30:29
  Speaker 4: not going to happen here, is because there is no
• 30:33
  Speaker 4: solution to stop the new generation, your cousins and your
• 30:38
  Speaker 4: brothers and your friends and family members, from taking on debt.
• 30:41
  Speaker 4: So how are we going to eliminate the existing debt
• 30:44
  Speaker 4: that we haven't even started a solution for the problem
• 30:48
  Speaker 4: for people going to school this spring or this fall?
• 30:50
  Speaker 2: Right.
• 30:51
  Speaker 4: So until we answer that question, we can't answer the
• 30:54
  Speaker 4: question of what to do if you already have the debt.
• 30:57
  Speaker 3: Right, because they're creating new debt. It's like a cycle.
• 31:00
  Speaker 3: So it's like, how are we going to do?
• 31:03
  Speaker 4: And here's the thing. I believe that the government could
• 31:06
  Speaker 4: do it because we have not paid student loans in
• 31:09
  Speaker 4: two years as a country. Did anybody die though? Right. No,
• 31:15
  Speaker 4: life went on. And so because life went on, it
• 31:19
  Speaker 4: just goes to show you It's possible. It's just something.
• 31:23
  Speaker 4: But let me just say this. People hate when I
• 31:25
  Speaker 4: talk like this, but I don't really care. If you
• 31:28
  Speaker 4: were to eliminate student loan debt, who is most disproportionately
• 31:31
  Speaker 4: affected by student loan debt? I'll answer for you. Yeah, minorities,
• 31:35
  Speaker 4: Black people, particularly Black women. But you got to remember,
• 31:39
  Speaker 4: student loan debt is tied to home ownership, real estate, investing.
• 31:44
  Speaker 4: So you mean to tell me you're going to let
• 31:46
  Speaker 4: the person in this country that's most degreed be out
• 31:49
  Speaker 4: here in these streets with no debt. Exactly. Yeah, that
• 31:54
  Speaker 4: don't even sound right out loud.
• 31:56
  Speaker 1: So you think we got finessed, right? We got finessed. Well,
• 31:59
  Speaker 1: I didn't get finessed, but a lot of people, a
• 32:01
  Speaker 1: lot of black people in particular got finessed in the
• 32:02
  Speaker 1: last election because they thought that Biden was going to
• 32:05
  Speaker 1: come through and just cancel student loan debt. Or, you know,
• 32:09
  Speaker 1: up to a certain amount.
• 32:11
  Speaker 4: Yeah, but we already know politicians.
• 32:13
  Speaker 1: Yeah, politicians say a lot of things and oftentimes they
• 32:15
  Speaker 1: don't deliver on the promises they tell the people to
• 32:18
  Speaker 1: get that vote. So what do you think we can
• 32:21
  Speaker 1: do as students? Because I know it affects maybe the
• 32:24
  Speaker 1: millennials and Gen Z the most, right?
• 32:26
  Speaker 4: Right.
• 32:26
  Speaker 1: So we just got this big ass weight over our
• 32:29
  Speaker 1: heads for the rest of our lives, essentially, because y'all
• 32:31
  Speaker 1: niggas getting $ 5 from me every month for the rest
• 32:33
  Speaker 1: of my life. Fuck you. But what do we do
• 32:38
  Speaker 1: to leverage the vote in the future and even from
• 32:42
  Speaker 1: this current decision? You know what I'm saying? Do we
• 32:45
  Speaker 1: need to then lobby?
• 32:46
  Speaker 4: Yeah.
• 32:47
  Speaker 1: Do Gen Z and millennials need to now lobby?
• 32:51
  Speaker 4: I do believe we do need to start holding these politicians,
• 32:56
  Speaker 4: particularly this administration, accountable. And we do that by withholding
• 33:00
  Speaker 4: our vote. We do that by lobbying. We do that
• 33:02
  Speaker 4: by being more vocal on a state level. Because there's
• 33:05
  Speaker 4: money and funding that could help. Because different states are
• 33:08
  Speaker 4: creating different programs to get their millennials and Gen Z
• 33:11
  Speaker 4: out of debt. The other thing is, too, we got
• 33:14
  Speaker 4: to also not just wait on the government. And so
• 33:16
  Speaker 4: what I tell people is you don't have a student
• 33:18
  Speaker 4: loan problem. You have a streams of income problem. And
• 33:21
  Speaker 4: people get a little offended when I say that. But
• 33:23
  Speaker 4: what I mean by that is, is that you can't
• 33:25
  Speaker 4: rely on as a millennial or a Gen Z to
• 33:29
  Speaker 4: just have one job that's going to take care of
• 33:31
  Speaker 4: all your needs. I've never seen it. Like, even if
• 33:34
  Speaker 4: you make six figures, you know, cost of living has
• 33:37
  Speaker 4: gone up. You need to have your job pay for
• 33:40
  Speaker 4: your bare expenses. But then you need another stream. I
• 33:44
  Speaker 4: didn't say job, stream of income you can attach to
• 33:48
  Speaker 4: your student loan debt, particularly for women. The psychology is
• 33:51
  Speaker 4: men don't have as much student loan debt because they
• 33:54
  Speaker 4: like laser focus and get rid of it, right? Women
• 33:58
  Speaker 4: do not separate student loan debt from their other expenses,
• 34:02
  Speaker 4: therefore not prioritizing it. So I've been teaching women to say, hey,
• 34:07
  Speaker 4: if you were to start doing, I'm making this up,
• 34:10
  Speaker 4: Uber on the weekends, right? That Uber money goes straight
• 34:14
  Speaker 4: to your student loan payment. So a woman can do
• 34:17
  Speaker 4: something like that because we're saying, okay, this is separate money.
• 34:20
  Speaker 4: This is the avenue for that money. So I think
• 34:22
  Speaker 4: it's really just about teaching people, you know, one, to
• 34:25
  Speaker 4: hold our administration accountable, but two, not just wait on
• 34:29
  Speaker 4: them to do something. What can you do with your
• 34:32
  Speaker 4: gifts and talents that you get paid for at your
• 34:35
  Speaker 4: job And, you know, the word entrepreneurship can be scary
• 34:39
  Speaker 4: for some people, but what can you do to bring
• 34:42
  Speaker 4: in additional income to live the life that you want
• 34:45
  Speaker 4: to live?
• 34:46
  Speaker 2: I wish they could go ahead and fucking repossess my
• 34:48
  Speaker 2: motherfucking degree at this point.
• 34:50
  Speaker 4: Girl, I put it out on the curb for them.
• 34:53
  Speaker 1: Exactly.
• 34:55
  Speaker 4: Come pick it up. Well, you know what? Here's the thing.
• 34:58
  Speaker 4: I got a few degrees. I do better with this.
• 35:01
  Speaker 4: I think that, you know, having a college degree is
• 35:05
  Speaker 4: an honor, like it says something about you and it
• 35:08
  Speaker 4: makes your family proud, particularly because we are still not
• 35:13
  Speaker 4: many generations away from our parents and grandparents not having
• 35:17
  Speaker 4: access to college, right? So let me just give you
• 35:21
  Speaker 4: my story, quick story. My grandmother is, well, she passed on,
• 35:25
  Speaker 4: but she was one of seven.
• 35:26
  Speaker 3: I'm sorry.
• 35:27
  Speaker 4: No, it's fine. Trust me, she had a great life.
• 35:30
  Speaker 4: So long story short, her uncle, They were in South Carolina,
• 35:35
  Speaker 4: had pulled them all together, all seven of them, and said,
• 35:38
  Speaker 4: you guys need to vote which one is going to
• 35:41
  Speaker 4: be sent to college. Now, remember, this is back in
• 35:45
  Speaker 4: the 50s. Ain't no financial aid and all that other stuff, right?
• 35:49
  Speaker 4: So they voted for 40s or 50s at this time.
• 35:53
  Speaker 4: I can't remember. It might have been the 40s. They
• 35:54
  Speaker 4: voted for my grandmother to be the one to go
• 35:56
  Speaker 4: to college. So she went to college. She said it
• 35:59
  Speaker 4: was a big burden on her back to graduate because
• 36:01
  Speaker 4: obviously she You know, she got picked and he cash paid.
• 36:05
  Speaker 4: So then she became a school teacher. So then she
• 36:08
  Speaker 4: made sure that the rest of my aunts and uncles
• 36:11
  Speaker 4: and my mom went to school or the military. So
• 36:15
  Speaker 4: I grew up knowing only one of two choices. And
• 36:18
  Speaker 4: my family either had to go to college or the
• 36:21
  Speaker 4: military because that's what she was told. So it was
• 36:24
  Speaker 4: a lot of pressure growing up. In hindsight, when I
• 36:27
  Speaker 4: think about like all my gifts and talents, Do what
• 36:30
  Speaker 4: I have needed to really go to college, like me personally.
• 36:34
  Speaker 4: I've been hustling since I was a little girl because
• 36:36
  Speaker 4: I never wanted to ask my mom for no money.
• 36:38
  Speaker 4: I was doing all types of stuff outside, making fake
• 36:40
  Speaker 4: carnival rides for dollars. You know, it's a story for
• 36:43
  Speaker 4: another day.
• 36:43
  Speaker 1: But the point is.
• 36:47
  Speaker 4: I was always hustling. Like, I would be the girl
• 36:49
  Speaker 4: that would bag up the candy. Y'all had the little candies?
• 36:52
  Speaker 1: Yes.
• 36:53
  Speaker 4: And then I would buy them and re-bag them because,
• 36:57
  Speaker 4: you know, you should have went to the store that morning.
• 36:59
  Speaker 4: That's your fault. So, but I got it for you
• 37:02
  Speaker 4: right now. I don't even know. This not even sounding good.
• 37:04
  Speaker 4: I love it.
• 37:05
  Speaker 2: Let me find out. She stepped on the candy. She
• 37:07
  Speaker 2: stepped on the candy and re-bagged it.
• 37:10
  Speaker 4: I am so glad. Listen, I'm so glad my mom
• 37:13
  Speaker 4: raised me in a nice neighborhood. Because you could have
• 37:16
  Speaker 4: had me bagged something else. See how susceptible I could
• 37:19
  Speaker 4: have been? Right.
• 37:21
  Speaker 1: Opportunist, yeah.
• 37:23
  Speaker 4: And I remember I got caught in school with the candy. Like,
• 37:26
  Speaker 4: I had a book bag of candies, right? And the
• 37:28
  Speaker 4: teacher was like, what are you doing? So I got
• 37:31
  Speaker 4: to get out of this situation. So I was like,
• 37:34
  Speaker 4: I said, well, listen. I was like, my mom, like,
• 37:37
  Speaker 4: I hit him with it. I was like, my mom's
• 37:38
  Speaker 4: the only, I was like, my mom's a single mom.
• 37:41
  Speaker 4: I was like, and I can't ask her for lunch
• 37:43
  Speaker 4: this week. So I had to sell my candy. Do
• 37:46
  Speaker 4: you want to buy some candy? Period.
• 37:49
  Speaker 1: You hear me? Did you buy some?
• 37:52
  Speaker 4: I definitely got my dollar. Yes, I did.
• 37:55
  Speaker 1: Yes, I did.
• 37:56
  Speaker 4: Aw. Snickers. We only had two choices there. So what
• 37:57
  Speaker 4: are we going to do here? Are you going to
• 37:59
  Speaker 4: stop this production? Or it could be worse, sir. It
• 38:01
  Speaker 4: could be worse. I could sell something else, okay? So anyway,
• 38:04
  Speaker 4: the point is, if you think about that, like I
• 38:09
  Speaker 4: always was selling or creating some experience, right? I really
• 38:12
  Speaker 4: liked money since I was little. Long story short, if
• 38:15
  Speaker 4: my mom had knew better and if entrepreneurship is what
• 38:20
  Speaker 4: it is now, back then, I could have just, you know,
• 38:23
  Speaker 4: been a millionaire a long time ago, you know? So
• 38:26
  Speaker 4: I'm going to just forgive her for that. She ain't
• 38:28
  Speaker 4: know no better.
• 38:29
  Speaker 1: And I think that's what the new generation is leaning
• 38:31
  Speaker 1: towards because we went to college because, you know, some
• 38:34
  Speaker 1: of our parents didn't. I know, Tam, your parents went
• 38:36
  Speaker 1: to college. But my mom didn't go to college. So
• 38:38
  Speaker 1: they kind of pushed you out there. But now our
• 38:40
  Speaker 1: generation is leaning more towards ownership, entrepreneurships. I feel like
• 38:45
  Speaker 1: the newer kids, like the younger kids are going to
• 38:48
  Speaker 1: come out. Like, yeah, you can go to college, but
• 38:51
  Speaker 1: maybe college isn't for you. Like, personally, I wish I
• 38:53
  Speaker 1: would have went to college later in life.
• 38:56
  Speaker 4: Like, now.
• 38:57
  Speaker 1: You know what I'm saying? On my late 20s. Instead of, like,
• 38:59
  Speaker 1: right out of high school because I wasn't as focused. So,
• 39:04
  Speaker 1: I wasted money.
• 39:06
  Speaker 3: I definitely did two sophomore years.
• 39:09
  Speaker 4: Fucking off you say you let you left out in
• 39:12
  Speaker 4: sophomore year.
• 39:13
  Speaker 2: No i did i did my sophomore year twice because
• 39:15
  Speaker 2: right the first year i was outside tuesday wednesday thursday
• 39:19
  Speaker 2: friday saturday sunday i'm class i'm not here.
• 39:24
  Speaker 1: For class and we both went to exactly we both
• 39:27
  Speaker 1: went to a private black hbc that at the time,
• 39:31
  Speaker 1: that shit was $ 18, 000 a semester.
• 39:36
  Speaker 4: A semester?
• 39:37
  Speaker 3: It was so expensive.
• 39:38
  Speaker 4: Yes.
• 39:38
  Speaker 3: And I was out there fucking off.
• 39:39
  Speaker 1: I did not have... No, no, I'm lying. It was
• 39:41
  Speaker 1: $ 18, 000 a year at the time. Because I remember, like,
• 39:44
  Speaker 1: I'm looking at my awards letter right now. I think
• 39:46
  Speaker 1: it was more than $ 18, 000 a year. $ 76, 000, $ 66, 000, like $ 7, 000.
• 39:49
  Speaker 1: What year was this?
• 39:50
  Speaker 4: What year was this?
• 39:52
  Speaker 1: I started.
• 39:54
  Speaker 4: In 2002.
• 39:55
  Speaker 1: 2002.
• 39:55
  Speaker 4: So, no, that's about $ 20, 000.
• 39:57
  Speaker 1: For the year. $ 20, 000 for the year.
• 39:58
  Speaker 4: Yeah, yeah, that's about right. Because I went to school in.
• 40:00
  Speaker 1: And it kept going up. 2005.
• 40:03
  Speaker 4: Yeah. That's about right. That's about right. Yep. That's still
• 40:06
  Speaker 4: a lot of money, though.
• 40:07
  Speaker 1: Yeah, it was.
• 40:08
  Speaker 3: Especially to just be playing with.
• 40:11
  Speaker 2: If I had the sense I have now, I would
• 40:12
  Speaker 2: have graduated in two years instead of five.
• 40:15
  Speaker 1: Exactly.
• 40:17
  Speaker 4: You know, here's the thing. You know, the college experience,
• 40:21
  Speaker 4: if done correctly, can never be redone in life. That's true.
• 40:26
  Speaker 4: It is something that you will, like, literally, I had
• 40:29
  Speaker 4: a kickback last night, and it was with my college friends,
• 40:33
  Speaker 4: and I remember it was so nostalgic, like, Y'all remember
• 40:36
  Speaker 4: we used to do this and we've grown now, right? So,
• 40:39
  Speaker 4: but that experience and those friendships and those relationships, and
• 40:43
  Speaker 4: then even if you really do it right, leverage them
• 40:46
  Speaker 4: into your professional space. For that reason, I wouldn't take
• 40:50
  Speaker 4: back going to college for that reason. The educational component,
• 40:54
  Speaker 4: I can't, you know, I can't.
• 40:55
  Speaker 1: Say about that.
• 40:56
  Speaker 3: And the debt component.
• 40:57
  Speaker 4: Yes.
• 40:57
  Speaker 1: But the friendships.
• 40:58
  Speaker 4: Yeah. I think it was just friendships and then learning people.
• 41:02
  Speaker 4: I'm going to be honest with you. College was the
• 41:07
  Speaker 4: first time I really interacted with white people because I'm
• 41:09
  Speaker 4: from the inner city of Philly. I might have seen
• 41:12
  Speaker 4: one or two in high school and they was trying
• 41:15
  Speaker 4: to be black. These was real white people. They never
• 41:18
  Speaker 4: seen me either.
• 41:20
  Speaker 3: It was a culture shock.
• 41:22
  Speaker 4: Oh my God. Literally, the girl, my roommate, her mom
• 41:26
  Speaker 4: and dad were so scared. I had asked her I said, well,
• 41:29
  Speaker 4: what do you know about black people? And what did
• 41:31
  Speaker 4: you see? And y'all remember, I love New York.
• 41:35
  Speaker 2: That was her point of reference.
• 41:40
  Speaker 4: Yes.
• 41:41
  Speaker 1: I said, oh, we going to be in trouble.
• 41:45
  Speaker 4: So I asked, I said, have you ever seen the Cosby's?
• 41:48
  Speaker 1: That's me, bitch.
• 41:52
  Speaker 4: She was like, no. I said, well, this is what
• 41:54
  Speaker 4: I want you to do this weekend. I want you
• 41:56
  Speaker 4: to watch a few episodes with your parents.
• 41:58
  Speaker 1: Right.
• 41:58
  Speaker 4: True story. I'm getting bitches over excited. She was like, okay.
• 42:04
  Speaker 4: She came back. Girl, they had brought me some brownies
• 42:09
  Speaker 4: and I didn't eat them though because I don't know them.
• 42:11
  Speaker 4: But it was nice though. They brought me some brownies
• 42:14
  Speaker 4: and we were able to get along better because all
• 42:17
  Speaker 4: she saw was ranch and TV. She would have never
• 42:19
  Speaker 4: known about the Cosmys. And I think it made her
• 42:22
  Speaker 4: feel better.
• 42:22
  Speaker 1: Yeah, that's funny. She's like, hi.
• 42:25
  Speaker 2: My parents brought some fried chicken and watermelon for you back.
• 42:30
  Speaker 3: Because we heard you like that.
• 42:35
  Speaker 4: They brought me brownies. That was fake. If it would
• 42:37
  Speaker 4: have been some fried chicken, oh, hell no.
• 42:39
  Speaker 1: Like, oh, my God.
• 42:41
  Speaker 4: I would not even eat it.
• 42:43
  Speaker 1: They brought brownies for a brownie.
• 42:45
  Speaker 4: You ordered something. Subliminally.
• 42:51
  Speaker 1: Right.
• 42:52
  Speaker 4: I just sent her a Facebook message.
• 42:54
  Speaker 1: I've got time. So listen, what are some things aside
• 43:00
  Speaker 1: from consolidating? Because I never consolidate my student loans. Okay,
• 43:05
  Speaker 1: so two-part question. Is it okay to, should you consolidate
• 43:08
  Speaker 1: with a third-party lender? If not, what are some other
• 43:13
  Speaker 1: things you can do aside from repaying that shit yourself,
• 43:17
  Speaker 1: Or consolidating? Because I got a few ideas myself, but
• 43:21
  Speaker 1: I just haven't executed them.
• 43:22
  Speaker 4: I'm going to give you all a big hack that
• 43:23
  Speaker 4: I only teach, and I'm not even being funny when
• 43:26
  Speaker 4: I say this, when I get paid thousands of dollars. So,
• 43:30
  Speaker 4: and this is for everybody listening, if they really smart,
• 43:32
  Speaker 4: they'll pause the podcast and go run a play and
• 43:35
  Speaker 4: come right back. So here's the thing. I want to
• 43:38
  Speaker 4: talk about the first question, though, because this is where
• 43:39
  Speaker 4: people get in trouble. Consolidating with a federal lender is okay.
• 43:43
  Speaker 4: When you talk about refinancing your loan with somebody out
• 43:46
  Speaker 4: of the federal space because they try to make it
• 43:48
  Speaker 4: seem like it's the same thing, that's not okay. Let
• 43:51
  Speaker 4: me give you an example. I had a client who
• 43:53
  Speaker 4: did not want to listen to us. She was like, well,
• 43:55
  Speaker 4: I got good credit. I'm going to refinance my loan.
• 43:59
  Speaker 4: She did it right before the pandemic. What do y'all
• 44:01
  Speaker 4: think happened when the pandemic hit with her loans? She
• 44:03
  Speaker 4: took them from being federal.
• 44:05
  Speaker 1: Interest rate went up? No, no, no. Not just that.
• 44:10
  Speaker 4: She couldn't take advantage of the moratorium.
• 44:13
  Speaker 1: Oh, right.
• 44:15
  Speaker 4: Because her ass went private.
• 44:17
  Speaker 1: Right, okay.
• 44:19
  Speaker 4: So two years she would have had to not make
• 44:21
  Speaker 4: a payment, but to make a payment and get on
• 44:23
  Speaker 4: top of the principal, which was what I hope people
• 44:25
  Speaker 4: did during this pandemic. I know they didn't, but I
• 44:27
  Speaker 4: hope they did. She couldn't do. She still had to pay.
• 44:30
  Speaker 4: Like she wasn't in no pandemic. And that's why I
• 44:35
  Speaker 4: tell people, You have a lot of student loan debt.
• 44:38
  Speaker 4: I don't care if you got good credit. Leave them
• 44:40
  Speaker 4: in the federal space because if a signed executive act
• 44:46
  Speaker 4: gets passed tomorrow, your ass ain't a part of it.
• 44:51
  Speaker 4: So that's a part of it. All right, now let
• 44:53
  Speaker 4: me give you my hack. This is what I call
• 44:56
  Speaker 4: the entrepreneur loan forgiveness hack. Now, you don't have to
• 44:59
  Speaker 4: be an entrepreneur to do it. It just is a
• 45:01
  Speaker 4: really good hack that if somebody was thinking about entrepreneurship,
• 45:05
  Speaker 4: could start their entrepreneur journey, I would recommend it. And
• 45:08
  Speaker 4: how the hack goes is this. Basically, long story short,
• 45:12
  Speaker 4: let's say, okay, guys, I'm going to pull you all
• 45:16
  Speaker 4: in for an example. It's better when I pull somebody in. Okay,
• 45:18
  Speaker 4: do you guys have a business or a business you're
• 45:20
  Speaker 4: thinking about starting? Yes. Okay, give me... I'm going to
• 45:24
  Speaker 4: run the play.
• 45:25
  Speaker 1: All right, so... You talk back. All right, sure.
• 45:29
  Speaker 4: The podcast, right? You monetize the podcast, right?
• 45:31
  Speaker 2: Mm-hmm.
• 45:32
  Speaker 4: Okay. Now, let me ask you a question. Have you
• 45:35
  Speaker 4: ever thought about doing something really good with this podcast
• 45:39
  Speaker 4: in terms of, like, being a give-back? Like, being a
• 45:42
  Speaker 4: good giver in some type of way? Like, anything you
• 45:45
  Speaker 4: ever wanted to do? If money wasn't a thing and
• 45:48
  Speaker 4: you wanted to use this platform to give back, what
• 45:50
  Speaker 4: would that look like? Um.
• 45:55
  Speaker 1: I don't know. I never thought about that. Yeah. Something
• 45:57
  Speaker 1: that's not monetary, right? That's what you're saying?
• 46:01
  Speaker 4: Yes. So let me give you an example. This is
• 46:03
  Speaker 4: what I do for a living. Let me run a
• 46:04
  Speaker 4: play for y'all. So let's say.
• 46:06
  Speaker 1: Who's going to donate to us to do something with
• 46:07
  Speaker 1: this business, right?
• 46:08
  Speaker 4: Is that what you're saying? No, not just you. No, no, no. No, no.
• 46:10
  Speaker 4: Don't get ahead. No, I'm listening. No, I'm really teaching
• 46:14
  Speaker 4: real life. I'm like, no, no, no. Come on, come back.
• 46:16
  Speaker 4: All right, listen. Let's say we took this podcast, right?
• 46:19
  Speaker 4: And we wanted to actually set up a tour, right?
• 46:24
  Speaker 4: And on the tour, we had a live episode taping.
• 46:28
  Speaker 4: And then the next day, we had some type of
• 46:31
  Speaker 4: sister circle meeting. I'm making this all the way up, right? Now,
• 46:36
  Speaker 4: that could be paid for through your nonprofit, where women, ages, whatever, whatever,
• 46:42
  Speaker 4: could come and could fellowship, could network. That's a nonprofit.
• 46:47
  Speaker 4: You can start with that. So the podcast is your
• 46:51
  Speaker 4: for-profit entity because you are making or would like to
• 46:53
  Speaker 4: make profit with this. But let's say you really wanted
• 46:56
  Speaker 4: to really touch the women in those particular cities and
• 46:59
  Speaker 4: do what, call it a talkback kickback. I don't know.
• 47:03
  Speaker 4: I'm making this up, right?
• 47:04
  Speaker 1: Yeah, thank you.
• 47:08
  Speaker 4: Now, let's say you're like, all right, I got to
• 47:11
  Speaker 4: get some sponsors for that. But maybe initially you don't
• 47:14
  Speaker 4: have any because they need to see that this is
• 47:16
  Speaker 4: a proven concept that works. Once they see you go
• 47:18
  Speaker 4: to Atlanta and you put 500 women in the rooms
• 47:21
  Speaker 4: and just talk about real women shit, now Coca-Cola want
• 47:25
  Speaker 4: to sponsor you, right? But we didn't get that far. Initially,
• 47:29
  Speaker 4: let's say the venue costs $ 1, 000. Let's say refreshments cost $ 500.
• 47:33
  Speaker 4: And your extended day at the hotel was $ 300. That's $ 1, 800.
• 47:38
  Speaker 4: Y'all follow?
• 47:39
  Speaker 3: Mm-hmm.
• 47:41
  Speaker 4: The for-profit would pay the non-profits. The $ 1, 800. So now
• 47:46
  Speaker 4: you just made a really great tax write-off for your for-profit,
• 47:51
  Speaker 4: number one. Number two, guess what you just made you
• 47:56
  Speaker 4: two eligible for?
• 47:58
  Speaker 1: Donations to get paid through the non-profit?
• 48:01
  Speaker 4: No, let's go back to student loan.
• 48:02
  Speaker 1: Forgiveness.
• 48:04
  Speaker 4: Forgiveness.
• 48:04
  Speaker 1: Oh, okay.
• 48:06
  Speaker 4: Now you're eligible to enroll yourself in the Public Service
• 48:10
  Speaker 4: Loan Forgiveness Program. Ah, ha, ha. You got real money
• 48:13
  Speaker 4: coming in. You do take a stipend pay out of
• 48:17
  Speaker 4: the nonprofit to show you got paid. It's not free.
• 48:20
  Speaker 4: And now you're eligible for the forgiveness program. And it's
• 48:24
  Speaker 4: little nuances in between here. I'm skipping, of course. But basically,
• 48:28
  Speaker 4: that's the general concept. And so what I've been saying
• 48:30
  Speaker 4: to entrepreneurs, because so many people want to go into entrepreneurship,
• 48:34
  Speaker 4: but are scared because of their student loans or whatever.
• 48:38
  Speaker 4: Start your entrepreneurship journey. But I think that every entrepreneur,
• 48:42
  Speaker 4: every business should be thinking about what I call a
• 48:44
  Speaker 4: nonprofit arm. The nonprofit arm sets you up to have
• 48:48
  Speaker 4: taxes written off and sets you up to have public
• 48:52
  Speaker 4: service loan forgiveness success. So not only are you being
• 48:55
  Speaker 4: a great giver, you're also giving back to yourself.
• 48:59
  Speaker 1: Girl, you just dropped a motherfucking jewel. Y'all heard that?
• 49:02
  Speaker 4: That is a motherfucking bar.
• 49:03
  Speaker 1: That was a bar. Yeah, so we all about to
• 49:06
  Speaker 1: have 501c3s now.
• 49:09
  Speaker 4: Literally, this is what the rich, the wealthy business and
• 49:15
  Speaker 4: corporations do. I didn't say anything that was super deep.
• 49:19
  Speaker 4: I just said it to them. it was tangible for
• 49:21
  Speaker 4: you to be able to go do it and run
• 49:23
  Speaker 4: the play. And the person that's listening to this that's
• 49:26
  Speaker 4: really savvy, they're going to go do that. Because I
• 49:28
  Speaker 4: just told you one, would you rather pay your nonprofits
• 49:31
  Speaker 4: to advance your cause or would you rather pay the IRS? You.
• 49:36
  Speaker 4: The money got to go somewhere anyway. Mine will go
• 49:40
  Speaker 4: to being a great giver.
• 49:42
  Speaker 1: Interesting. I've done a little bit of research on that,
• 49:48
  Speaker 1: but obviously I haven't implemented it. I got a lot
• 49:51
  Speaker 1: of student loan debt. A lot of student loan debt.
• 49:55
  Speaker 4: I think you guys can do it. Absolutely.
• 49:58
  Speaker 1: The one thing I was looking at was the... Have
• 50:01
  Speaker 1: you heard of this? It's the Bauer....
• 50:05
  Speaker 4: Borrower, yes.
• 50:08
  Speaker 1: I feel like the college we went to, the HBCU
• 50:11
  Speaker 1: we went to, it was a lot of shady shit
• 50:14
  Speaker 1: going on over there.
• 50:16
  Speaker 4: No, I believe you. So here's the challenge with the
• 50:18
  Speaker 4: Borrower's Defense Program. There has to be a substantial amount
• 50:23
  Speaker 4: of evidence or accusations for the Department of Ed to
• 50:27
  Speaker 4: look at it. So if you really had the time
• 50:29
  Speaker 4: to submit an application, it's not going to be instant.
• 50:32
  Speaker 4: But if you got your colleagues at your school, your
• 50:35
  Speaker 4: classmates you're still in touch with, to do the same
• 50:38
  Speaker 4: application the same way, now the Department of Education goes, uh-oh,
• 50:43
  Speaker 4: let me see what was happening at this private school.
• 50:46
  Speaker 4: And if they investigate and ask for the certain things
• 50:50
  Speaker 4: you guys said was happening to be verified, and the
• 50:53
  Speaker 4: college couldn't, then you could present a case for barbarous offense.
• 50:57
  Speaker 2: But then that could damage the reputation of the institution.
• 51:02
  Speaker 1: They already damaged over there. How many times they was
• 51:04
  Speaker 1: about to lose accreditation, have funding issues? And it probably
• 51:07
  Speaker 1: works because of that. We're not going to do that
• 51:09
  Speaker 1: to my HBCU, though. We're not going to do that
• 51:11
  Speaker 1: to VCU. Girl, they don't care about you and them
• 51:13
  Speaker 1: damn student loans. I still love my college now.
• 51:16
  Speaker 4: But look, but did school close down? No, I'm joking.
• 51:19
  Speaker 4: Did school close down?
• 51:20
  Speaker 1: Did they die, though? No.
• 51:22
  Speaker 4: Did they die, though?
• 51:23
  Speaker 1: No, since school.
• 51:25
  Speaker 4: So here's the thing. Let me give you a real example.
• 51:26
  Speaker 4: It did happen before with ITT Tech. So remember when
• 51:30
  Speaker 4: ITT Tech closed down? That's why. Because so many substantial
• 51:35
  Speaker 4: claims came in that the government did this. They do
• 51:39
  Speaker 4: what's called pullback. They said, you guys can stay open,
• 51:43
  Speaker 4: but you're no longer going to receive financial aid from us.
• 51:47
  Speaker 4: How many people do you think can cash pay? Zero.
• 51:51
  Speaker 4: So after one semester... Now the school had to close
• 51:55
  Speaker 4: down because the government took the financial aid away.
• 51:58
  Speaker 2: Would you want to be responsible for the closing of
• 52:01
  Speaker 2: your HBCU?
• 52:02
  Speaker 3: You don't care?
• 52:04
  Speaker 4: No, I wouldn't want that. I think, though, if it
• 52:06
  Speaker 4: was a real issue.
• 52:08
  Speaker 1: They have some nasty bitches working in financial aid.
• 52:11
  Speaker 4: I can't word that.
• 52:12
  Speaker 1: I work in financial aid. Like I said, they have
• 52:15
  Speaker 1: some nasty bitches working in financial aid.
• 52:19
  Speaker 4: First of all.
• 52:21
  Speaker 1: Listen, they used to be in there trying to handle
• 52:23
  Speaker 1: you as if if they don't get your paperwork right. Like,
• 52:25
  Speaker 1: you don't get paid if my paperwork ain't right, ma'am.
• 52:28
  Speaker 1: You know, like, if you don't get my financial aid situation,
• 52:30
  Speaker 1: this is how you get paid. So why are you
• 52:32
  Speaker 1: treating me like I'm, like, the problem? You know what
• 52:35
  Speaker 1: I'm saying? It was real ghetto over there.
• 52:38
  Speaker 4: This is what happens. One, we don't sometimes properly train
• 52:40
  Speaker 4: our staff. But two, the other thing is, if you're
• 52:43
  Speaker 4: dealing with people that are first new to school for
• 52:47
  Speaker 4: the first time, most people... And still, they're still first-time
• 52:51
  Speaker 4: generation students.
• 52:52
  Speaker 1: There's no counseling.
• 52:53
  Speaker 4: There's no etiquette on what college experience should be like.
• 52:56
  Speaker 4: So now... What you did at the doctor's office in
• 53:00
  Speaker 4: Philly or what you did at the WIC office, you
• 53:03
  Speaker 4: think it's okay to come to the college and talk
• 53:04
  Speaker 4: to these people like that. So now we get disgruntled
• 53:08
  Speaker 4: college workers because you got disgruntled people coming in talking
• 53:12
  Speaker 4: like they're crazy. It's just a cycle.
• 53:14
  Speaker 1: I have a whole year that I did not attend
• 53:17
  Speaker 1: college that I was charged for. How is that possible?
• 53:20
  Speaker 1: You see what I'm saying?
• 53:21
  Speaker 4: No, no, no, that's not legal.
• 53:23
  Speaker 1: Exactly. So if I can prove that to Fed loans....
• 53:29
  Speaker 4: Well, you could put a complaint in with the Department
• 53:31
  Speaker 4: of Ed, and on a case-by-case, it's possible they could
• 53:34
  Speaker 4: reverse those charges for that year.
• 53:37
  Speaker 2: Yeah, if you got a whole $ 20, 000 for a year
• 53:40
  Speaker 2: that you didn't sign any paperwork or nothing for, then that's.
• 53:43
  Speaker 1: Definitely something you would... Yeah, so how did it get done?
• 53:46
  Speaker 1: So who else did y'all do that to? You see
• 53:48
  Speaker 1: what I'm saying? If you're not paying attention, who else
• 53:51
  Speaker 1: did y'all do that to, to get the funds?
• 53:53
  Speaker 4: Yeah, I'm not paying for that. I would definitely say something, yeah,
• 53:55
  Speaker 4: for sure.
• 53:56
  Speaker 2: So, okay, what is a better option? And help people
• 53:59
  Speaker 2: understand what the difference is with a subsidized and unsubsidized
• 54:05
  Speaker 2: federal student loan.
• 54:07
  Speaker 1: Like, what is the difference?
• 54:09
  Speaker 4: Yeah, so the thing is, it's not set up to
• 54:11
  Speaker 4: be an option. What it more so set up is,
• 54:14
  Speaker 4: and says is, with this subsidized loan debt, the government
• 54:19
  Speaker 4: will pay part of your interest while you're in school.
• 54:22
  Speaker 4: The unsubsidized says, we will let you borrow this money,
• 54:26
  Speaker 4: but we are not paying for your interest. And so
• 54:29
  Speaker 4: we find that people have to take both loans because
• 54:33
  Speaker 4: they need to pay for the total amount owed. But
• 54:35
  Speaker 4: if you're ever in a situation where you have scholarship
• 54:37
  Speaker 4: money and then you only have to take out a
• 54:40
  Speaker 4: subsidized loan, that's a lot better than taking out both.
• 54:44
  Speaker 4: So some people have to take out both. Most people
• 54:47
  Speaker 4: Had to take out both loans, let me say it
• 54:48
  Speaker 4: that way. But if you ever had the option, then
• 54:51
  Speaker 4: I would do subsidized because you want the government to
• 54:54
  Speaker 4: cover the interest.
• 54:55
  Speaker 1: And see, even like that, we remember subsidized and unsubsidized
• 54:58
  Speaker 1: on our awards letter. But did anybody in financial aid,
• 55:02
  Speaker 1: any counselor ever explain to you the difference between the two?
• 55:05
  Speaker 4: No.
• 55:06
  Speaker 1: You know, I don't remember. I don't remember.
• 55:08
  Speaker 4: No, and so here's the problem.
• 55:09
  Speaker 1: Honestly, at that age, at 18, I was like. That's
• 55:11
  Speaker 1: what I'm saying. Just what can I do to get
• 55:13
  Speaker 1: in school?
• 55:14
  Speaker 2: Yeah, like sign me up for whatever so I can
• 55:17
  Speaker 2: stay in school, you know.
• 55:18
  Speaker 1: And that's not counseling because a mortgage lender wouldn't do
• 55:21
  Speaker 1: you like that. You know what I'm saying? Right.
• 55:24
  Speaker 4: Right. So you took the words out of my mouth.
• 55:27
  Speaker 4: Students going to school, it's just like older adults trying
• 55:30
  Speaker 4: to buy a home. It's the same zest. Like, I
• 55:33
  Speaker 4: just got to get this home. I got to get
• 55:35
  Speaker 4: into this school. And the thing is, even parents sometimes
• 55:39
  Speaker 4: put false pressures on their kids to go to school.
• 55:43
  Speaker 4: And so nobody's really doing the math or care about
• 55:46
  Speaker 4: the math per se and signing away their life and
• 55:49
  Speaker 4: not reading. And then it just becomes a train wreck.
• 55:53
  Speaker 1: Yeah, mine did. And my mama was not having that shit.
• 55:55
  Speaker 1: I remember going to the dorm and my oldest sister
• 55:57
  Speaker 1: who went to college, she was like, AJ, well, Ashley,
• 56:01
  Speaker 1: you need to come home because that school costs too much.
• 56:03
  Speaker 1: I just put my shit in the dorm. She was like,
• 56:05
  Speaker 1: just come home, go to school, go to tech for
• 56:08
  Speaker 1: two years. And then if you want to go to
• 56:09
  Speaker 1: a four year, do that. But I wanted the college experience.
• 56:13
  Speaker 1: And you know what my mama said? I'm not paying
• 56:15
  Speaker 1: for your ass to have an experience. Period. So all
• 56:18
  Speaker 1: those loans, my dad might have took out a $ 5, 000
• 56:20
  Speaker 1: loan and that's it. Everything else, I had to pay
• 56:25
  Speaker 1: for it.
• 56:25
  Speaker 4: So you had to come home?
• 56:26
  Speaker 1: Yeah, I feel like I just paid for school. Right.
• 56:29
  Speaker 2: So unsub, Pell Grant, and just anything I could sign
• 56:35
  Speaker 2: my name to that would make it the ends meet,
• 56:37
  Speaker 2: I did.
• 56:38
  Speaker 3: Yeah.
• 56:40
  Speaker 4: So for me, my mom got really sick my senior year.
• 56:44
  Speaker 4: So I had to, like, it was like no money.
• 56:47
  Speaker 4: Because I didn't really know how to talk the fast.
• 56:48
  Speaker 4: But this is when we was doing math on paper
• 56:50
  Speaker 4: and shit. It was weird. So I was going to
• 56:53
  Speaker 4: get put out of school. But my financial aid counselor
• 56:56
  Speaker 4: called me. And she was like, you need to come
• 56:58
  Speaker 4: up by the end of this week. She was like,
• 57:02
  Speaker 4: with some money for next semester. I'm like, now where
• 57:05
  Speaker 4: would I get that from? And she was like, you
• 57:08
  Speaker 4: need to knock on every door on campus and see
• 57:11
  Speaker 4: who has a scholarship. Like, imagine getting a call like that.
• 57:15
  Speaker 4: So I only own one pair of sneakers at the
• 57:18
  Speaker 4: time because I was so girly, which is such the
• 57:20
  Speaker 4: opposite of what I am now. I love sneakers, right?
• 57:23
  Speaker 4: So all I had was like heels and little kitten heels.
• 57:26
  Speaker 4: I don't know who I thought I was. I get
• 57:28
  Speaker 4: too much cheating. So I was like, let me put
• 57:31
  Speaker 4: my sneakers on. And I went and knocked on every
• 57:34
  Speaker 4: door for a whole day. And I got to the
• 57:36
  Speaker 4: last door. And her name was Miss Debbie. And she said,
• 57:40
  Speaker 4: what's your GPA? And at the time, my GPA was
• 57:42
  Speaker 4: like a 3.8. And she was like, what activities are
• 57:46
  Speaker 4: you a part of? So I started telling her all
• 57:48
  Speaker 4: the activities I joined because I was bored as hell.
• 57:50
  Speaker 4: And she was like, OK, I'll let you apply. She
• 57:54
  Speaker 4: was like, I need this essay back in two hours.
• 57:57
  Speaker 4: So at least I knew how to type. So that
• 57:59
  Speaker 4: was a good thing. I typed it up and handed
• 58:01
  Speaker 4: it in. She said, come back in two more hours
• 58:04
  Speaker 4: and I'll give you an answer if you or another
• 58:07
  Speaker 4: young lady got the scholarship. Long story short, I get
• 58:10
  Speaker 4: back there. She was like, Sonia. Now, do y'all think
• 58:14
  Speaker 4: they call losers first?
• 58:17
  Speaker 3: Right.
• 58:18
  Speaker 4: I was like, they don't call losers first. I was like, yes.
• 58:21
  Speaker 4: She was like, okay. She was like, congratulations. I'm like,
• 58:25
  Speaker 4: oh my God, thank you. The girl like storms off,
• 58:28
  Speaker 4: starts cussing. She's mad. So she doesn't like me.
• 58:30
  Speaker 3: To this day.
• 58:32
  Speaker 4: So, long story short, I didn't know why she was mad.
• 58:38
  Speaker 4: Guess how much the scholarship was for?
• 58:39
  Speaker 1: How much? A full ride. Wow.
• 58:44
  Speaker 2: A full ride was just sitting there waiting on somebody
• 58:47
  Speaker 2: to knock on the door for it.
• 58:48
  Speaker 1: See how I got it?
• 58:49
  Speaker 4: Literally knock on the door, like every door. And I
• 58:53
  Speaker 4: was about to quit and give up on knocking on
• 58:56
  Speaker 4: doors because I was tired. My feet was hurting. My
• 58:58
  Speaker 4: campus had hills and shit. I'm plus size. So, you know,
• 59:02
  Speaker 4: got to go up one more hill. I can't do it.
• 59:04
  Speaker 4: So I did it. And I'm glad I did it because, again, waiting.
• 59:10
  Speaker 4: at the end of it was a full ride.
• 59:11
  Speaker 1: Yes, honey. Yeah, that's for sure.
• 59:16
  Speaker 4: It was a real one. I still remember that day.
• 59:17
  Speaker 4: And then I said, excuse me for a minute. And
• 59:19
  Speaker 4: I had, like, this whole praise dance and shout. And
• 59:22
  Speaker 4: I had to call my grandma back. I was like,
• 59:24
  Speaker 4: tell Uncle Al he ain't got to come no more.
• 59:26
  Speaker 4: And I hung up and I started dancing with her.
• 59:29
  Speaker 1: Uncle Larry was coming to get you and your shit.
• 59:31
  Speaker 4: Thanks.
• 59:32
  Speaker 1: Because I can't get put out. So, look, a lot
• 59:36
  Speaker 1: of big companies, they offer, like, paid therapy sessions for
• 59:39
  Speaker 1: their employees and families to help manage their work-life balance,
• 59:44
  Speaker 1: or the lack thereof, anyway. So, with student loan debt counseling,
• 59:52
  Speaker 1: you would think that, you know, major corporations or companies
• 59:54
  Speaker 1: would have something like that. at their headquarters or something.
• 59:57
  Speaker 1: Have you paired with, uh, any major companies to do
• 1:00:01
  Speaker 1: this type of work?
• 1:00:03
  Speaker 4: One time we did one, it was a nonprofit and
• 1:00:06
  Speaker 4: we did some work for them. Um, and it actually
• 1:00:08
  Speaker 4: was a really great relationship. It's just when the budget
• 1:00:10
  Speaker 4: came back in, there wasn't space for it. Um, and
• 1:00:13
  Speaker 4: what I find by starting my own counseling service, so
• 1:00:16
  Speaker 4: to speak, um, people had and will pay for it.
• 1:00:20
  Speaker 4: And we're actually not even terribly expensive. And I did
• 1:00:22
  Speaker 4: it on purpose. Um, Because what I realized is there's
• 1:00:27
  Speaker 4: really no place you can go and have somebody break
• 1:00:31
  Speaker 4: down your student loan debt and some solutions without them
• 1:00:35
  Speaker 4: asking for a payment at the end. And we didn't
• 1:00:37
  Speaker 4: want to be that service for anyone. Like, we didn't
• 1:00:40
  Speaker 4: want to work or be in line with the student
• 1:00:44
  Speaker 4: loan lenders. We wanted to be for the people so
• 1:00:46
  Speaker 4: we could tell the people what the best thing is
• 1:00:48
  Speaker 4: to do and not to do. So, yeah. I think
• 1:00:51
  Speaker 4: it's a great service. I'm sure in different states there
• 1:00:53
  Speaker 4: are things and companies like it that exist more on
• 1:00:56
  Speaker 4: a corporate level. But let me be really honest with
• 1:00:58
  Speaker 4: you guys. Like when I started my brand, I never
• 1:01:01
  Speaker 4: wanted to change me or my personality and how I
• 1:01:03
  Speaker 4: wanted to serve people. So I've always been very, very
• 1:01:06
  Speaker 4: careful with partnerships, with taking money from people that don't
• 1:01:11
  Speaker 4: look like me. So they can't control my narrative and
• 1:01:15
  Speaker 4: how I teach. Because if I want to get on
• 1:01:17
  Speaker 4: IG Live tonight and say, fuck them Lowe's. I might
• 1:01:20
  Speaker 4: want to get on there and say something radical. Like,
• 1:01:23
  Speaker 4: I need to know that my money and my payroll
• 1:01:25
  Speaker 4: for my team ain't going to get cut.
• 1:01:27
  Speaker 1: Right.
• 1:01:28
  Speaker 4: If that makes sense. And so, I was, and it took,
• 1:01:31
  Speaker 4: I've been in business now six years. It took four
• 1:01:35
  Speaker 4: years to be able to be really comfortable to say,
• 1:01:38
  Speaker 4: I can do this payroll, pay my people, you know,
• 1:01:41
  Speaker 4: six figures or close to it or, and it be
• 1:01:44
  Speaker 4: from the muscle. Like, I was really, really adamant that
• 1:01:47
  Speaker 4: I didn't want to work and be aligned with certain companies.
• 1:01:50
  Speaker 4: Because then, you know, you got that little carrot over
• 1:01:52
  Speaker 4: your head. I don't want to experience. Right.
• 1:01:56
  Speaker 1: Now, let me ask you this.
• 1:01:57
  Speaker 2: There's people who went to college, they racked up all
• 1:01:59
  Speaker 2: this debt, and then went on with life and said,
• 1:02:02
  Speaker 2: fuck that shit, and forgot about it. How do they
• 1:02:05
  Speaker 2: even find out how much they owe? Like, they wouldn't
• 1:02:07
  Speaker 2: even know where to start on how.
• 1:02:08
  Speaker 1: To find their debt.
• 1:02:11
  Speaker 4: So, the best place to go is a place called studentaid.gov.
• 1:02:15
  Speaker 4: So studentaid.gov allows you to see all of your federal
• 1:02:19
  Speaker 4: loan debt. You also can get an annual free credit report,
• 1:02:22
  Speaker 4: pull your credit and see what student loans come up
• 1:02:25
  Speaker 4: on your credit as well, cost compared to two, make
• 1:02:28
  Speaker 4: sure the information looks the same. And then, you know,
• 1:02:31
  Speaker 4: these accounts are free, of course. And then you want
• 1:02:34
  Speaker 4: to find out based off of your credit report or
• 1:02:36
  Speaker 4: your student aid report who your lender is. And so
• 1:02:39
  Speaker 4: then you want to create your lender account and put
• 1:02:41
  Speaker 4: in your basic information and your loans will come up, right?
• 1:02:44
  Speaker 4: All these things are really important to know how to access.
• 1:02:47
  Speaker 4: And we'll be doing more classes on our platform to
• 1:02:49
  Speaker 4: really show people how to get into their stuff again,
• 1:02:52
  Speaker 4: because it's been so long, or maybe some people have never.
• 1:02:55
  Speaker 4: But the thing is, you don't want to be a
• 1:02:57
  Speaker 4: passive participant in the repayment of your loans. Because once
• 1:03:01
  Speaker 4: your loans go into default, and they just actually cleared
• 1:03:04
  Speaker 4: all default loans recently, but if and when this is
• 1:03:08
  Speaker 4: over and your loans happen to go into default, it
• 1:03:11
  Speaker 4: stops you from being able to buy a home. it
• 1:03:15
  Speaker 4: stops you from being able to have good credit.
• 1:03:17
  Speaker 1: So that's if it's on your credit report, though, right?
• 1:03:21
  Speaker 4: Well, no. So that's where people get this messed up.
• 1:03:23
  Speaker 1: Because mine ain't on it. That's why I'm saying that. Right.
• 1:03:27
  Speaker 4: So after it gets to a certain point, let's put
• 1:03:30
  Speaker 4: it that way, they leave your credit report. Now, if
• 1:03:34
  Speaker 4: you're at that point, let me just put it that way,
• 1:03:37
  Speaker 4: just know with the recent change with the Biden administration,
• 1:03:41
  Speaker 4: it's going to come back on your credit soon.
• 1:03:44
  Speaker 1: Now, that's a good and bad thing. They better prove
• 1:03:46
  Speaker 1: it just like any other debt. Prove it.
• 1:03:49
  Speaker 4: Right.
• 1:03:49
  Speaker 1: Because I'd be on their neck.
• 1:03:50
  Speaker 4: Yeah, it's a good and bad thing. So if it
• 1:03:54
  Speaker 4: comes back on your report, again, you can go through
• 1:03:57
  Speaker 4: the process with credit and get it off. But remember,
• 1:04:00
  Speaker 4: there is the consumer report, which is what you're talking about.
• 1:04:03
  Speaker 4: When you go to buy a home, there's another report
• 1:04:06
  Speaker 4: that they look at that shows all federal holdings, right? Now,
• 1:04:09
  Speaker 4: if you were to say, well, sorry, I'm just trying
• 1:04:11
  Speaker 4: to get them off my credit because I need to
• 1:04:13
  Speaker 4: go buy a car. Go have it. Car dealership could
• 1:04:16
  Speaker 4: never see that. But when we start talking about investing,
• 1:04:21
  Speaker 4: holding certain government licenses for work, it will show up.
• 1:04:25
  Speaker 1: Right.
• 1:04:26
  Speaker 3: Okay.
• 1:04:29
  Speaker 4: But until then, you know, catch me when you can.
• 1:04:33
  Speaker 1: Not bad.
• 1:04:33
  Speaker 4: Not bad.
• 1:04:39
  Speaker 1: All right listen we appreciate you sonya for coming on
• 1:04:43
  Speaker 1: we talk back yes you are a delight nobody can
• 1:04:49
  Speaker 1: find you at plug all your no.
• 1:04:53
  Speaker 4: Yes so go to instagram the student loan doctor um
• 1:04:56
  Speaker 4: all the fun lives there our website is doctor please
• 1:04:59
  Speaker 4: help me.com um i don't know just google us you'll
• 1:05:03
  Speaker 4: find us um It's just a little black girl that
• 1:05:05
  Speaker 4: changes hairstyles every so often. It's still me. These cheekbones
• 1:05:09
  Speaker 4: don't change. I never look like any of my photos.
• 1:05:12
  Speaker 4: I got to work better on it this year. One
• 1:05:14
  Speaker 4: day it's box. I'm like, I'm like this now. It's curls.
• 1:05:16
  Speaker 4: The point is, you know, just look for the names.
• 1:05:19
  Speaker 4: Simone's out there. And then this is what I tell people. Like,
• 1:05:22
  Speaker 4: if you know you need us and you know your
• 1:05:23
  Speaker 4: friends need us, don't go on a crusade because you
• 1:05:26
  Speaker 4: heard the episode. Just say, like, I think there's somebody
• 1:05:28
  Speaker 4: you should check out. Drop them off. They will find
• 1:05:32
  Speaker 4: their way to my DMs. the help on your own
• 1:05:36
  Speaker 4: and then we can just take it from there so
• 1:05:37
  Speaker 4: it's gonna be good did you plug your instagram i
• 1:05:39
  Speaker 4: didn't hear it oh the student loan doctor.
• 1:05:42
  Speaker 1: Okay we in there.
• 1:05:45
  Speaker 2: Yeah man go and check her out for really help you.
• 1:05:49
  Speaker 1: Talk about talking shit to these niggas boy we got
• 1:05:52
  Speaker 1: all the student loan debt it's just the truth oh.
• 1:05:55
  Speaker 4: My god we gotta do a whole class on it
• 1:05:58
  Speaker 4: We need to do it. We know what? We need
• 1:05:59
  Speaker 4: to do some speed dating on some student loan debt
• 1:06:02
  Speaker 4: speed dating and some shit like that. And he didn't
• 1:06:04
  Speaker 4: win a credit symposium at the end.
• 1:06:06
  Speaker 1: Right.
• 1:06:08
  Speaker 4: We'll be good.
• 1:06:09
  Speaker 1: All right, y'all. Listen, if you enjoyed this episode, please
• 1:06:12
  Speaker 1: tune in every Thursday on the iHeartRadio app or wherever
• 1:06:15
  Speaker 1: the fuck you get your podcasts at. This is your
• 1:06:17
  Speaker 1: co-host AJ Holiday 2.0. Follow me on Instagram. Hey.
• 1:06:23
  Speaker 3: And y'all, this is Official Tam Bam on Instagram. Follow me.
• 1:06:25
  Speaker 3: I love you guys. Thank y'all for listening.
• 1:06:27
  Speaker 2: And y'all, remember, speak now and never hold your peace.
• 1:06:31
  Speaker 4: Bye.
• 1:06:32
  Speaker 1: Deuces.