Latest / It's Mom O'Clock / Episode 21: “Till Debt Do Us Part: Marriage & Finance Chaos”

Transcript

Episode 21: “Till Debt Do Us Part: Marriage & Finance Chaos” · It's Mom O'Clock

• 0:00
  Speaker A: Hey, mamas. Today's episode is brought to you by the Fortis Agency, a financial services firm located in the Bell Works building in Holmdel, New Jersey. We know that taking care of your family is your number one priority. And at the Fortis Agency, it's ours too. That's why we're here, to offer simple, effective strategies to help you protect what matters most, your loved ones and their future. We won't dive into any complicated financial jargon here. Instead, think of us as your partner in building a secure, comfortable financial path forward for you and your kids. And here's something special when you let us know you found us through the Mom o' Clock podcast, we'll make a donation to the children's specialized hospital. So by taking a step to protect your family and save for the future, you're also helping other children in need. Please reach out to Michael Divisio with this email provided next M. Divisio@the fortisagency.com that is M. Divisio@the fortisagency dot com and mention mama Clock. We're excited to be a part of your journey. Hello?
• 1:14
  Speaker B: You guys, stop. Is it Mama Clock yet? I am going crazy. Heck yeah.
• 1:20
  Speaker A: It's Mama Clark somewhere. What time is it, Mom Clock? Welcome back. Episode 21. Your two favorite girlies, Dominique and Emily. Woohoo for the woo Girls with the moo Girls. I don't know what I look like, so just ignore.
• 1:54
  Speaker B: You look great. Thank you. Every time.
• 1:57
  Speaker A: Why is this always a shit show?
• 1:59
  Speaker B: I really don't know.
• 2:00
  Speaker A: I'm getting sick and tired of this shit, man. We need a technical person to help us out here.
• 2:05
  Speaker B: But we figured it out.
• 2:06
  Speaker A: We did. After one hour. Whew.
• 2:08
  Speaker B: Sweating.
• 2:09
  Speaker A: It's fine. We're back. We're ready to rock. We're talking money. Money, honey, that we don't have. So somebody please pay us money.
• 2:17
  Speaker B: Oh, I agree. No, but I need a real sugar daddy.
• 2:20
  Speaker A: No, same. I always get messages about, like, sugar daddies wanted pictures of my fee, or, like, just to send me money. I'm like, why don't I just say yes, though?
• 2:29
  Speaker B: Why aren't I getting those messages?
• 2:32
  Speaker A: And we're like, why can't I just say yes?
• 2:34
  Speaker B: I mean, you should.
• 2:36
  Speaker A: I can't. But what's the downfall? They steal my bank account with no money in it. That's fine.
• 2:40
  Speaker B: That's fine. There's no. There's no down.
• 2:42
  Speaker A: There's no downfall.
• 2:43
  Speaker B: You might not.
• 2:44
  Speaker A: Yeah, like, it is what it is.
• 2:46
  Speaker B: Well, we're getting into the rip of it. All with money.
• 2:50
  Speaker A: Tom, take the word grip back. I don't know what that means, but should we tell a story first? I feel like we get. We're getting away from story time.
• 2:57
  Speaker B: Oh, sure, yeah.
• 2:58
  Speaker A: We always tell a story at the beginning of our episode. That has nothing to do with what we're talking about. But just like the story of the week. Yeah, I have one.
• 3:04
  Speaker B: Okay, go for it.
• 3:04
  Speaker A: It has nothing to do with me, though.
• 3:05
  Speaker B: I don't have a story of it.
• 3:07
  Speaker A: So crazy. This girl I went to high school with, she was. You know how my high school split? Like, there was East Hannah and there's Florin Park. Yeah, she was Florin Park. I was East Hannah. So, like, we were friendly. We weren't in like the same friend group, so to speak, but we were friendly. So I've seen her around. She is pregnant, or was pregnant, I should say, at the time. And when we see each other, it's like one of those friends. We're like, how is everything? Like, how are you? Yeah, like we. I follow you on social media, so I know what you're up to, but. So I saw her at a baby shower and we actually sat at the same table. And she was her first time pregnant. She was having a boy and talking all things boy mom, you know, I love a boy mom. And she was just having her baby shower, the whole thing, you know, like a normal.
• 3:50
  Speaker B: Right.
• 3:50
  Speaker A: Pregnant woman would do.
• 3:51
  Speaker B: Yes.
• 3:52
  Speaker A: She delivered like a couple weeks ago.
• 3:54
  Speaker B: Yeah.
• 3:55
  Speaker A: Oh, girl, can you imagine? And I'm telling this story because the last time I heard of this happening was me when my parents had me. This happened to them. But that was 30 years ago. This is 2025. How is this happening? She delivered a beautiful baby girl, but her, her mother, I think her grandmother, even her mother in law had to run to the store to go buy all new clothes. But can you imagine? She's like, I gave birth. And they were talking, the doctor, they're like, oh my gosh, she's beautiful. And my grandma's like, what you mean, hey? And she was like, no, like, this is a girl.
• 4:31
  Speaker B: Did she feel gender?
• 4:32
  Speaker A: They were hysterically laughing because, like, what do you do? Like, you're having a void.
• 4:38
  Speaker B: That's wild. So it was their first kid. So it didn't really. I mean, it doesn't matter. No, but.
• 4:41
  Speaker A: But I'm thinking about the time, like I had Gio. Everything was done.
• 4:45
  Speaker B: Yeah.
• 4:45
  Speaker A: All my clothes had the baby shower. The room was like, can you imagine that? The world turns upside down. You're having a go and it's not just like it matters, the clothes in the room, but like, your physical baby is now a girl.
• 4:54
  Speaker B: Yeah. Like, it's a whole different mindset.
• 4:56
  Speaker A: It's a whole different mindset. I was like. I was like, this is the craziest thing I've heard in a long time. She's beautiful.
• 5:03
  Speaker B: Who up? Was it the gender reveal person or.
• 5:05
  Speaker A: The 1 in 20? The. Where do you find, like the anatomy scan? You find the.
• 5:09
  Speaker B: The 11 week one, whatever.
• 5:12
  Speaker A: It's called something. And she told me what it's called. It was like 1 in 20. They say they get it wrong. And then she had like another scan. But like, it was hiding the private part, so they really didn't think anything. They were like, oh, easier.
• 5:22
  Speaker B: Or nowadays if, like, people have the gender reveal parties, if, like the person who was in charge just up.
• 5:28
  Speaker A: Yeah, that's better. That's a little better.
• 5:30
  Speaker B: Yeah. Because then it's like, not the doctor.
• 5:32
  Speaker A: Who has an attorn education. No. I think it's insane.
• 5:35
  Speaker B: Insane.
• 5:36
  Speaker A: I don't even know, like, how does that even happen? But she gave birth to a girl and she's super happy. But it's just like, to me, I'd be like, what is happening to me right now? This is. Something's happening. Like, that's such a. That's such a crazy thing to happen.
• 5:49
  Speaker B: Would you ever not find out for your next.
• 5:51
  Speaker A: No.
• 5:52
  Speaker B: Really? But it would be fun.
• 5:54
  Speaker A: You think I'm going nine months without knowing? A lot of people do. My cousin did it with three kids.
• 5:59
  Speaker B: Yeah, no, a lot of people do and love it. I feel like the excitement in the. In the delivery room would be so for sure.
• 6:07
  Speaker A: But imagine nothing. Thinking you're having a boy and then you're having a girl. Like, that's even crazier. Anyway, all is good. I thought that was the craziest story I've ever heard. But anyway, let's get into finances because babies are expensive.
• 6:20
  Speaker B: They are.
• 6:21
  Speaker A: What are we talking about? I have no idea. I've had a stressful day today and now I lost it. I don't even know where it is.
• 6:25
  Speaker B: Do you even know how much your spouse makes?
• 6:29
  Speaker A: Actually, wait, let's, let's. Let's.
• 6:31
  Speaker B: Let's preface a little bit. Your husband is a financial advisor.
• 6:37
  Speaker A: He is.
• 6:37
  Speaker B: He owns his own financial firm.
• 6:39
  Speaker A: He does this for a living.
• 6:40
  Speaker B: He does life insurance, financial planning. Financial planning.
• 6:44
  Speaker A: The whole nine.
• 6:45
  Speaker B: Yeah. So, like, you should have your shit together.
• 6:47
  Speaker A: I should. I feel like that means I shouldn't because my husband handles everything.
• 6:50
  Speaker B: No, I know, but, like, I feel like we should know some things.
• 6:53
  Speaker A: Totally. I don't know, but, you know, it's crazy when I do hear things in conversation now that I'm married to a finance guy. Six five, blue eyes. Not six five, but does have blue eyes. And I wish.
• 7:06
  Speaker B: No, we're like, five, six.
• 7:10
  Speaker A: He's cute. He thinks he has green eyes, though, which is crazy.
• 7:13
  Speaker B: That's crazy.
• 7:14
  Speaker A: So, yeah. So I'm married to a finance guy, not 6 5, but has late eyes. And I feel like when I hear people in conversation, I know what they're talking about because I'm married to it. But also, if my husband, God forbid, rises above into heaven, I have to call your husband and his business partner for passwords.
• 7:40
  Speaker B: My husband has the secret code. Yeah.
• 7:43
  Speaker A: Imagine like, I just had a death. Your boss. Hi, Joe. I just need some passwords. Like, but tell me that. He's like, no, my husband's not giving me the passwords. He just has any. So first of all, what are these classrooms for?
• 7:57
  Speaker B: Right.
• 7:58
  Speaker A: And secondly, why can't I have that?
• 8:01
  Speaker B: I think there's a lot that I don't know about you, but I think there's a lot in marriages that people don't know about.
• 8:07
  Speaker A: Yeah.
• 8:07
  Speaker B: Or if they're talking, what's the number.
• 8:09
  Speaker A: One cause of divorce?
• 8:11
  Speaker B: Is finances.
• 8:11
  Speaker A: Yeah.
• 8:12
  Speaker B: Yeah. I mean, all right, we're gonna get into it.
• 8:15
  Speaker A: Let's get into it.
• 8:17
  Speaker B: Okay.
• 8:18
  Speaker A: What are we getting into?
• 8:20
  Speaker B: So, apparently, like, marriage isn't all about love. It's about, like, sharing, like, your Amazon account. That's really important. Wait, does. Does Mike get an email when you order on Amazon?
• 8:30
  Speaker A: Wait, I'm freaking out now that you said that. Because when you share an Amazon account.
• 8:33
  Speaker B: Right.
• 8:34
  Speaker A: He sees everything I order.
• 8:35
  Speaker B: Yeah. That's the number one thing you probably shouldn't share. I do, too. But, like, we're gonna talk about, like, sharing finances, sharing different accounts. But, like, sharing an Amazon account is so fucking hard.
• 8:44
  Speaker A: So fucking hard. Cause everything is funneled through.
• 8:46
  Speaker B: And also, it's hard when you're trying to buy a present like, you. You can't buy for.
• 8:50
  Speaker A: Keep it on it. Can't buy it on it.
• 8:52
  Speaker B: No, because they'll see it.
• 8:52
  Speaker A: Yes. But my husband's, like, so. Doing a million things. He's not always checking, but he does get a notification when I use my Gemini, which is, like, my main card.
• 9:00
  Speaker B: Okay. He's like, ah, that's like.
• 9:02
  Speaker A: New outfit from Skins. Huh?
• 9:04
  Speaker B: I told you.
• 9:05
  Speaker A: That was the moment I realized he has notifications on. And I'm going, fuck. Now I can't order anything on.
• 9:09
  Speaker B: Turn those notifications off. Husbands out there. Every time I use the Apple card, he. Yesterday actually I have a story. The kids want me to decorate for Halloween. More full blown Halloween. So I take them to Spirit Halloween. I said, you guys have a budget? Do you know what a budget is? Joey's like, yeah, mom, I know what a budget is. I'm like, okay, great. So I give them a budget of $100 for decorations. Just like outside stupid. Like that's like kind of a lot web. Is it? No. I mean, I don't know. Whatever that was for kids to pick.
• 9:39
  Speaker A: Out, that was there. But now I understand why your husband. Yeah, go ahead.
• 9:44
  Speaker B: So of course they went over budget and I get to the. I give my card and Joey gets the alert right away. Would you spend at Spirit Home?
• 9:55
  Speaker A: Like, I gave him a budget.
• 9:56
  Speaker B: We just went over a little bit and I was like, daddy saw that we used the Apple card. We're in big trouble. So I gave the phone to Vienna and I was like, dad, I bought so many decorations. And he was like, oh, what'd you get? And then he was mad send. I literally passed the phone to Vienna.
• 10:10
  Speaker A: So he could just handle this. The two year old handle this. Let's handle Daddy, please. No, I. It's just on a serious note though, finances are the number one cause of divorce. It is even hard to have a conversation personally as a stay at home mom.
• 10:25
  Speaker B: Yeah.
• 10:25
  Speaker A: Someone who knew what money was because I was in corporate.
• 10:29
  Speaker B: Right.
• 10:30
  Speaker A: And made good money. But also now it's like, it's like, it's like a line. It's. That's hard to cross.
• 10:36
  Speaker B: So I have a question for you. Like you're coming from a different place. Like you once had your own bank account that had assuming. Oh, you still have your own bank.
• 10:44
  Speaker A: With no money in it.
• 10:45
  Speaker B: Right. But like, okay, so you once had a bank account that was a paycheck would come in. Yeah. And that would probably feel amazing. Like you had that money and Mike savings. Mike didn't know about that. Like he just.
• 10:57
  Speaker A: I mean, I mean he knew.
• 10:57
  Speaker B: It wasn't like you were hiding it, but like your personal.
• 11:00
  Speaker A: Like, I'm gonna spend on what I want to spend it on.
• 11:02
  Speaker B: That's amazing.
• 11:03
  Speaker A: I blew it all in my wedding era, so I blew that chair. So you never had that.
• 11:07
  Speaker B: I never had that, but I did. I do have like, I have like my college like card that I've kept so I could have just so I have that account that's like, only my name and.
• 11:18
  Speaker A: But it's not your money.
• 11:19
  Speaker B: It's not my money. No. He sells me money for.
• 11:22
  Speaker A: For that.
• 11:23
  Speaker B: Yeah. And I. It's like my fun money I bought. Oh, that's cute.
• 11:26
  Speaker A: But, like, yeah, so. I mean, I hate asking for money.
• 11:29
  Speaker B: Yeah. It's terrible. And. But stay at home, moms. That's what you have.
• 11:34
  Speaker A: You have to do. But my husband did, for a little bit of time, he would, like, venmo me a lump sum, and I would just have. But it's almost worse because, like, once you spend that, then your husband's like, where did all that money go? So it's almost as if I don't know what's better. I don't like hiding.
• 11:48
  Speaker B: I don't.
• 11:48
  Speaker A: I don't hide, but I do. Like, I'll charge the Gap and then be like, I have, like, a balance. And he'd be like, why? What do you mean?
• 11:55
  Speaker B: I'm scared.
• 11:56
  Speaker A: I got a wardrobe for the fall. She.
• 11:59
  Speaker B: She spends money. I don't know what I do, but, like, I don't.
• 12:02
  Speaker A: You. You spend money. But this is my problem with you. You spend money. I don't know where to spend yet. I know where I'm spending mine.
• 12:10
  Speaker B: Yeah. I don't know where I'm spending money.
• 12:11
  Speaker A: You're in debt from the grocery store is what you're telling me. I know why I'm in debt. I don't know.
• 12:18
  Speaker B: I don't know where my money goes, but it goes. But I did read something.
• 12:22
  Speaker A: You don't buy a single thing for yourself.
• 12:23
  Speaker B: I don't. I don't.
• 12:24
  Speaker A: Except this app.
• 12:26
  Speaker B: This is Gap. Thank you very much.
• 12:28
  Speaker A: So cute. But no, seriously.
• 12:30
  Speaker B: Yeah, but. So I read this thing that financial models estimate the value of a stay at home mom's labor to be over $180,000 annually. So that's what we should be getting paid. Because that reflects combined goals of childcare, cooking, cleaning, tutoring, financial management. We do it all, and we should be paid for it.
• 12:50
  Speaker A: I kind of love that. Should we propose this to our husbands?
• 12:54
  Speaker B: Sure.
• 12:57
  Speaker A: I'm so serious.
• 12:58
  Speaker B: Like, money. Things I said to my husband.
• 13:00
  Speaker A: Like, what do. What are you spending money on? Let's talk about it.
• 13:03
  Speaker B: Yeah.
• 13:04
  Speaker A: Wine clubs, goth memberships, random shit from Instagram ads like, what are you? Maybe you're not.
• 13:13
  Speaker B: Their fantasy leagues. They each have to, like, put in, like, hundreds of dollars.
• 13:18
  Speaker A: What do I do? Barging into the bedroom, saying, honey, no more money on fantasy leagues this week. Okay. So it's really hard. I don't like, the topic of money, because I don't even know how to say about it.
• 13:35
  Speaker B: Yeah. It's.
• 13:36
  Speaker A: I can't even speak about it on this podcast. It's, like, such a hard thing to talk about.
• 13:38
  Speaker B: It is.
• 13:39
  Speaker A: Especially when you don't have an education on it.
• 13:41
  Speaker B: Yeah.
• 13:41
  Speaker A: And my husband's numbers. He's all numbers. He knows what he's doing in terms of future.
• 13:45
  Speaker B: Yeah.
• 13:46
  Speaker A: And a house that we want to buy him one day and college and more kids and. I mean, I also want to live a life, though. I don't want to be restricted. I feel sometimes I'll sit around, I'll be like, I feel trapped in this.
• 13:59
  Speaker B: Like.
• 14:00
  Speaker A: So we brought up Whole Foods the other day. What did you get at Whole Foods? I go, I dropped the receipt. I go, you're going food shopping next Monday. I'm done going food shopping. I'm done. You bringing up money at Whole Foods? The prices are high.
• 14:12
  Speaker B: Prices are high.
• 14:13
  Speaker A: Speak to whoever navigates the prices at Whole Foods, because it ain't me. Okay. I'm buying food for us to eat. Like, what do you think? I'm going to Whole foods and buying $100 nuts that I just want to put into arts and crafts. Like, what do you think I'm doing?
• 14:29
  Speaker B: No, I think it's so funny when our. When our husband or my husband will be like, we're broke. And I'm like, you literally just bought new golf clubs. Like, how are we broke?
• 14:38
  Speaker A: Yeah. How are. How do we not have any money? I'm so confused. My husband doesn't bring it up often. Yeah, he doesn't. But when he does, it aggravates the out of me. And if you got something to say, let's sit down and talk about it.
• 14:52
  Speaker B: Yeah.
• 14:53
  Speaker A: Hey, honey, I think you should cut back on the. All right, no problem. I'm going to cap this week.
• 14:58
  Speaker B: Okay.
• 14:59
  Speaker A: But there's nothing like that. It's more. So, like, what did you get on Amazon? Or what did you get? Like, you know, it's like, stuff like that.
• 15:06
  Speaker B: Yeah.
• 15:06
  Speaker A: I feel like our husband's bringing up.
• 15:07
  Speaker B: In the same manner Joey jokes that I have. Like, I have a card that I use for, like, Dunkin Donuts and Starbucks, and he thinks. I think, that it's like an unlimited gift card, which is like, if.
• 15:21
  Speaker A: And on another note, I never want to be my husband because it is probably so stressful.
• 15:26
  Speaker B: Oh, yeah.
• 15:27
  Speaker A: Being the breadwinner in the family, handling the finances and the bills.
• 15:32
  Speaker B: Yeah.
• 15:32
  Speaker A: Navigating all that. And here I am spending money saying, like, fuck off. I'm going to target this week. Like, you know, like, if I'm playing devil's advocate on myself, 100%.
• 15:41
  Speaker B: And we're definitely. We're not. We're joking, but, like, we're very blessed.
• 15:44
  Speaker A: We're very.
• 15:45
  Speaker B: Not taking anything for granted.
• 15:46
  Speaker A: No husband works hard, so does yours.
• 15:49
  Speaker B: So hard.
• 15:49
  Speaker A: But work harder.
• 15:50
  Speaker B: But if you ask him how much he makes, I'll say 100%. Not enough.
• 15:54
  Speaker A: No, 1,000% not enough. But honestly, you could tell, like, Michael gets his feels about it. It's probably stressful as a man. Like, I'm taking charge of the household, having children, like, especially. Your husband has three kids.
• 16:04
  Speaker B: It's just a lot. Yeah. When. When Joey, like, when he really gets stressed, I'm like, that's wrong.
• 16:08
  Speaker A: It's the finances.
• 16:09
  Speaker B: I'm like, okay, all right.
• 16:10
  Speaker A: I like, I. I honestly, I really need to go through your receipts because I don't know what. Please do go through Jimbory. Like, what are you sending me on? I have no idea. But you're turning into me, and I kind of feel that you're like, I saw this has to be. Has a CV dress. I'm like, oh, my God, Joey's going to come for me. He's going to come for me. But you know what I'm doing? I'm selling stuff. So I send Michael text all day, I just sold the dress for $100. And then, like, it'll make you feel.
• 16:33
  Speaker B: Better in the moment or like, I made a return.
• 16:35
  Speaker A: I made a return.
• 16:41
  Speaker B: For. For a dress and it never. I guess it never came through. But do they do, like, a house of cb Returns take a long time sometimes because I. Something just happened where I got a return from it and it was like, months and months ago. Maybe it was weird. I don't know. Not sure.
• 16:57
  Speaker A: Not sure either.
• 16:58
  Speaker B: I love saying that I'm gonna return it and then it's it.
• 17:00
  Speaker A: And I love saying, like, oh, my God, they, like, sent me two of the same thing by accident. I'm gonna return one.
• 17:05
  Speaker B: I love when you say TikTok sent you that.
• 17:07
  Speaker A: Yeah, TikTok sent me that.
• 17:08
  Speaker B: It's a good one. Yeah.
• 17:10
  Speaker A: Anyway, so to get into, like, the real nitty gritties of this shit, who is in charge of your bills?
• 17:15
  Speaker B: Sorry, you're. No. You're going to be surprised. I pay the bills. I do.
• 17:19
  Speaker A: You do.
• 17:20
  Speaker B: It's his money. But I am in charge of, like, calling, doing the automatic pay, whatever you.
• 17:27
  Speaker A: Have, like, where's written down. Like, where's.
• 17:29
  Speaker B: Yeah. Yeah, yeah. Wow. I know, I know. I, I.
• 17:34
  Speaker A: How hard do you use?
• 17:37
  Speaker B: We have a card.
• 17:37
  Speaker A: And she's like, this is the card.
• 17:38
  Speaker B: You use for your house? Yeah, yeah.
• 17:41
  Speaker A: He doesn't remind you. Just do. I'm good at paying bills, too, but Michael hasn't anything charged about.
• 17:45
  Speaker B: Yeah, no, I do it. I mean, he does sound like. Like, our. The house taxes.
• 17:49
  Speaker A: Yeah, yeah.
• 17:50
  Speaker B: Like, he has that. And. But I do, like, the utilities. I'm in charge of, like, most of those. Okay, yeah, cool. Yeah, no problem.
• 17:58
  Speaker A: I love that for you. So what's your credit score? Spreadsheet. Like, what is going on?
• 18:05
  Speaker B: No, I have no spreadsheet. I just do it. Okay. Love that part sheet. I can't. Dom, be real. Do you have a financial strategy?
• 18:16
  Speaker A: Do I have a strategy? Please. My plan is, if the car goes through, we're winning.
• 18:23
  Speaker B: Same. Toby's calls it budgeting when we, like, cancel Netflix. But he keeps his golf membership.
• 18:29
  Speaker A: Exactly. That's why we had to call the Fortis Agency. They don't just talk numbers. They give you real strategies, protections for your loved ones, while simultaneously mapping out an effective savings plan to help you get to where you want to be.
• 18:43
  Speaker B: And they explain it so simply that even two moms running on iced coffee and target receipts get it.
• 18:50
  Speaker A: Plus, now, if one of us croaks tomorrow, our families are covered. No awkward gofundmes with. She was such a good mom. Please donate the Fortis Agency, because iced coffee and vibes are not a fight Nancy plan. Okay, so.
• 19:11
  Speaker B: So the Forest Agency hot guy runs it. Hot guy runs it. Hot. Yeah.
• 19:20
  Speaker A: All right. I have a lore in my mouth because I feel like I can't breathe.
• 19:22
  Speaker B: She's freaking me out. Will you or won't you? Do you have.
• 19:27
  Speaker A: I just found out that I don't have a will.
• 19:30
  Speaker B: Me neither.
• 19:31
  Speaker A: So.
• 19:31
  Speaker B: But I also found out that I'm worth nothing.
• 19:33
  Speaker A: I also can't die because Michael's like, what do you mean? Like, you don't really have anything. So I was like, no.
• 19:40
  Speaker B: They both were like, what do you mean?
• 19:41
  Speaker A: What about my House of CB Dresses?
• 19:42
  Speaker B: Right?
• 19:43
  Speaker A: Who's getting one? Just give them to Emily and the House of CB Dresses goes living.
• 19:48
  Speaker B: Well, Emily gets all your clothes? Yeah.
• 19:50
  Speaker A: Seriously, who gets your clothes? It's like, I can't think about it.
• 19:52
  Speaker B: I have no clothes.
• 19:53
  Speaker A: But, like, I definitely don't want your clothes.
• 19:59
  Speaker B: Okay, maybe a homeless person does.
• 20:02
  Speaker A: Yeah, okay.
• 20:04
  Speaker B: But life insurance. We do have life insurance, thanks to your husband. So we are prepared. And I think that is very important, especially if you have a family.
• 20:13
  Speaker A: Totally.
• 20:14
  Speaker B: To have life insurance, have a plan.
• 20:15
  Speaker A: Life insurance is the number one most important thing to have.
• 20:18
  Speaker B: Yeah, sure.
• 20:19
  Speaker A: Because you never know what's going to happen. Tomorrow's not promised, and you got to be prepared. God forbid.
• 20:23
  Speaker B: Yeah, yeah. So I'm worth more dead than alive. That's sad.
• 20:29
  Speaker A: No, my husband is worth so much. I should literally just slice them. Slice them.
• 20:35
  Speaker B: I know. Our husbands both say to us that they're worth way more dead.
• 20:40
  Speaker A: Money will never make me happy. Yes. Could you imagine? Yeah, I can imagine. We need.
• 20:50
  Speaker B: All right.
• 20:50
  Speaker A: God rest. Anyway, so life insurance, obviously, like, everyone thinks it's just like life insurance. I don't. It can wait. Like, no, it cannot go. If you don't have like insurance, go get it right now. Get them from your seat and head to a financial advisor call for M. Divisio.
• 21:08
  Speaker B: Seriously?
• 21:09
  Speaker A: No, but seriously, it's like always that conversation, like, what are you will? Like, it is like at the end of the day, it's like a really sad thing to think about. That's why I think when they.
• 21:17
  Speaker B: I think people don't do it because. Or even making a will, like, we're young, you don't want to think about dying, but it's very important.
• 21:25
  Speaker A: But I'm saying, like, if you're the breadwinner or a stay at home dad or stay at home mom, it's a hard thing to think about not being worth anything.
• 21:35
  Speaker B: It's like, right, you feel less than.
• 21:37
  Speaker A: You feel less than, less than your husband. I mean, that's also an argument too. It's like, I feel like, you know, it's always the same scenario. The husband works, the mom stays home, husband makes the money, runs the family's financials. Mom or wife has no money, tries to spend, husband gets upset, they talk finances, it becomes like a.
• 22:01
  Speaker B: Or that, or that same scenario. And then God forbid, the husband dies, wife knows nothing, nothing about their finances, has no job. She's been a stay at home mom forever. And then what if they don't have life insurance or a plan? Then you're screwed. Screwed. So it's really important. Yeah, do that.
• 22:19
  Speaker A: And I feel like even that's why moms or dads, again, it could be either like, go get a job or continue to work. Then it's like, okay, then we have to pay for childcare. It's like, do we have a family and have to either stay home and sacrifice one income or both go to work and have to still sacrifice and give our money to childcare and someone else Watches get in. That's like a mental game. There's so many moving parts that can go on for this, like hours.
• 22:44
  Speaker B: Yeah. But that's why a financial advisor is good. Because you could, you could. They'll do step by step with you, all your finances. What's worth it? If it. Is it worth the both parents working and finding child.
• 22:55
  Speaker A: Are you spending more money doing that?
• 22:56
  Speaker B: And a lot of times, yes, a lot of times it's not worth it.
• 22:59
  Speaker A: And I feel like my husband has taught me a lot of things in terms of investments.
• 23:02
  Speaker B: Yeah.
• 23:03
  Speaker A: And that's another great thing to always should be invested in something or multiple things. But to your point, I just feel like financial advisors, if you have a good one. My husband, you know, he really cares about the individual. I feel in the family, it's always top of mind. It's never about money ever. I have never had a conversation with my husband or have heard him have a conversation with his clients from any, you know, family that he works with that it's money centric. Ever. He's always had his back. Even if, like, it gets to the point where it's like, we're not the right people for you.
• 23:39
  Speaker B: Right.
• 23:39
  Speaker A: Here's who I refer you to. He just has people at heart. And I think that's where a good.
• 23:46
  Speaker B: Financial advisor, he genuinely cares because you.
• 23:49
  Speaker A: Wouldn'T want some do that to his family.
• 23:50
  Speaker B: And I think he always thinks about, like, what. What would he would want. Right.
• 23:55
  Speaker A: Also, like, thank God I married a financial advisor because I fucking know nothing about money, I swear to God. And I'm not saying I don't. I don't know the understanding of a dollar.
• 24:04
  Speaker B: Right. You.
• 24:05
  Speaker A: I understand the meaning. Okay. But I don't.
• 24:09
  Speaker B: There's just so much.
• 24:10
  Speaker A: I don't know how to do taxes. Like, I don't know how to. If I had to, I guess like separate and manage, I would, but it's like there is like, so many things I don't understand. So thank God I might not marry a financial advisor who like, gets it.
• 24:28
  Speaker B: Yeah. Now I want to play a game. This game is called so you married a financial advisor.
• 24:36
  Speaker A: Perfect.
• 24:37
  Speaker B: Cue the dramatic cheesy game show music. I'm gonna pretend we're on a game show. Okay.
• 24:43
  Speaker A: Okay, wait. Can I just sound like a book? Funny note. Watching Dance with the Stars last night.
• 24:47
  Speaker B: Yeah.
• 24:47
  Speaker A: I called my mom as a joke and I said, mom, Dancing with the Stars contacted me. They want me to be on the show. And my mom was like, you can't leave the baby like a Hilarious conversation, right? And I was like, there's no way they called you to, like, be on the show to dance. I'm like, no, I swear to God. And Nicholas in the background going, yeah. I'm like. From her TikTok. And my mom was like, no, you can't do that. You want to be a host? You want to be have a permanent job as a host on. I'm like, first of all, this is a joke. Second of all, not a bad idea, being a host. Yeah. So anyway, back to you being the host.
• 25:20
  Speaker B: I'm the host. Welcome, ladies and gentlemen too. So you married a financial advisor. Tonight, our contestant is Dominique Divisio.
• 25:28
  Speaker A: Howdy.
• 25:29
  Speaker B: Wife to the King of Fortis himself. Here to prove she knows more about financial planning than just how to venmo her for her gap addiction. All right, first question. Dom, are you ready? I'm ready. What is compound interest?
• 25:45
  Speaker A: I'm sorry.
• 25:46
  Speaker B: All right, I'll give you options.
• 25:48
  Speaker A: I'll do an option. Can we have, like, abc?
• 25:49
  Speaker B: Abc. A, A, when Starbucks charges you extra for oat milk, B, interest on both your money and your interest. C, when Mike tells the same story twice just to make himself sound richer.
• 26:02
  Speaker A: What's the question?
• 26:05
  Speaker B: Compound interest.
• 26:07
  Speaker A: Can you read me A again?
• 26:08
  Speaker B: A, when Starbucks charges you extra for.
• 26:10
  Speaker A: Oatmeal, the answer is B.
• 26:12
  Speaker B: That is correct. Yes. All right. If you invest only in crypto and Beanie Babies, you're putting portfolio is A, highly diversified, B, highly volatile, or C, highly concerning?
• 26:28
  Speaker A: Highly concerning.
• 26:31
  Speaker B: Sorry. It's actually B, highly volatile. Although Beanie Babies do belong in your chaotic spending portfolio. That's crazy. Yeah. Okay, Joey says we need an emergency fund. What does he mean? A, a savings account with three to six months of expenses, B, the secret wine stash in the laundry room, or C, money set aside for target dollars.
• 26:55
  Speaker A: What was A again?
• 26:56
  Speaker B: A savings account with three to six months of expenses. Good job. Thank you. You've got five seconds per question. This is rapid fire. Okay, okay. Go, go. If you invest $10,000 at 7% interest, how long until it doubles?
• 27:11
  Speaker A: I'm sorry, can you repeat?
• 27:14
  Speaker B: If you invest $10,000 at 7% interest, how long until it doubles?
• 27:23
  Speaker A: Four months.
• 27:24
  Speaker B: About 10 years is the correct answer.
• 27:28
  Speaker A: This is insane.
• 27:29
  Speaker B: Okay, what is the difference between Roth IRA and traditional ira?
• 27:37
  Speaker A: I'm sorry, Roth. You know, honestly, Can I photo?
• 27:44
  Speaker B: No, you cannot.
• 27:46
  Speaker A: I have no clue.
• 27:48
  Speaker B: Okay, raw equals tax now and tax free later. And traditional is just tax free.
• 27:53
  Speaker A: You know this?
• 27:54
  Speaker B: No. We're going to do some acronyms now. Do you know acronyms all right, let's try this one. Okay. Ira. Do you know what that stands for?
• 28:07
  Speaker A: International. Wait, ira. Ira, like the IRA comes to your house.
• 28:14
  Speaker B: That's the irs. Tax evasion, baby. Tax evasion.
• 28:23
  Speaker A: Wait, ira. What's the ira?
• 28:25
  Speaker B: Individual Retirement Account.
• 28:27
  Speaker A: Oh, I knew that. Michael talks about that.
• 28:29
  Speaker B: Okay. E, T, F. And it's not extra target funds.
• 28:35
  Speaker A: Wait, etf. Like, what does this regard to financial advising?
• 28:40
  Speaker B: Doesn't your husband come home and be like, Babe, ETF is so sipping of ETFing.
• 28:46
  Speaker A: Give me a hint.
• 28:48
  Speaker B: Starts with exchange, ends with fund.
• 28:52
  Speaker A: Exchange. The fund.
• 28:54
  Speaker B: Exchange traded Fund. All right, we're going to go easy on you. Atm.
• 29:00
  Speaker A: Okay, this is crazy of you, because atm. I don't know what it stands for. It's not transactional money.
• 29:09
  Speaker B: Automated teller Machine.
• 29:11
  Speaker A: That's fucking not scad. Did you know that?
• 29:17
  Speaker B: Cd. I knew atm. I thought it was ast amount, though. For real? Cd.
• 29:22
  Speaker A: I'm sorry.
• 29:24
  Speaker B: Cd. Not cd. Cd.
• 29:27
  Speaker A: Like cd.
• 29:29
  Speaker B: Yeah. Certificate of Deposit.
• 29:34
  Speaker A: I hate this game.
• 29:35
  Speaker B: Okay, what's fico?
• 29:38
  Speaker A: No. You know, fico. Yeah. No, fico.
• 29:41
  Speaker B: What is it?
• 29:41
  Speaker A: I don't know. It's like a.
• 29:47
  Speaker B: You got this one.
• 29:48
  Speaker A: Fico.
• 29:51
  Speaker B: Your fico. Your credit score.
• 29:53
  Speaker A: My credit score? My credit score. All right.
• 29:56
  Speaker B: Hsa.
• 29:57
  Speaker A: Hfa.
• 29:58
  Speaker B: Hsa.
• 29:59
  Speaker A: Oh, hsa or hsa? Michael talks about this one.
• 30:02
  Speaker B: Yeah. What's your reasons? Hsa.
• 30:04
  Speaker A: Oh, my God.
• 30:04
  Speaker B: Come on.
• 30:05
  Speaker A: I'd rather be talking about golf.
• 30:06
  Speaker B: You were better at golf. I was Health Savings Account.
• 30:09
  Speaker A: You're saying. Come on, you have it in front of you.
• 30:11
  Speaker B: R, O, A. Oh, my.
• 30:14
  Speaker A: I know this one.
• 30:15
  Speaker B: They're good. Roa.
• 30:17
  Speaker A: I know an roa. Oh, my God. I studied this. I was going to be a financial advisor.
• 30:21
  Speaker B: Oh, God. You weren't.
• 30:23
  Speaker A: Roa.
• 30:24
  Speaker B: Roa. You have ROA and roi.
• 30:26
  Speaker A: Yeah.
• 30:26
  Speaker B: What is it?
• 30:27
  Speaker A: So return on. ROA is return on. ROI is return on investments. ROA is return on.
• 30:37
  Speaker B: Come on.
• 30:38
  Speaker A: Return on.
• 30:39
  Speaker B: If it's on investments, it's something you own.
• 30:46
  Speaker A: Oh, assets. Yes. Yes. Michael will be so proud of me with that one. So, my dog is farting. It stinks. It's ruined my mood.
• 30:58
  Speaker B: What's YOLO mean? It's not financial, but it's the way you budget. Young, bald and frame. Yes.
• 31:06
  Speaker A: Wait. You only live once. Okay, I am a really bad test ticket.
• 31:12
  Speaker B: All right, last one. Are you ready?
• 31:13
  Speaker A: No, I'm not ready. Down.
• 31:15
  Speaker B: If Michael is the King of Fortis, what is your royal financial title? Are you the Duchess of Debit Cards? The Queen of Quarterly Designer Bags? Princess of Pretend Budgeting or the cfo. The chief fund officer.
• 31:37
  Speaker A: Can I say something? I'm such a strong, powerful woman. And what I mean by that is, I feel like my husband can't fucking. My husband can't argue with me. Although internally, I'm like, you can, because I have no money and you have power all over me.
• 31:55
  Speaker B: Money is power, baby.
• 31:56
  Speaker A: But I'm like, I don't. I don't know why I felt I had this power in terms of. Maybe because I worked in corporate and, like, the money. I. Although I don't have the money. And I'm like, you know, talk to me about money.
• 32:09
  Speaker B: He did it.
• 32:10
  Speaker A: Yeah. Like, I understand. And no money. Like, I'm not overspending. Meanwhile, PJs for GEO on sale at Gap.
• 32:20
  Speaker B: I bought that. She's not overspending.
• 32:23
  Speaker A: So my title is. What's the first one?
• 32:27
  Speaker B: Duchess of Debit Cards.
• 32:28
  Speaker A: I'm the Duchess of debit cards.
• 32:30
  Speaker B: Okay, I like that.
• 32:31
  Speaker A: Duchess of credit cards, I should say.
• 32:33
  Speaker B: Do people even have debit cards in.
• 32:35
  Speaker A: I do.
• 32:35
  Speaker B: I would like a debit card. Okay.
• 32:37
  Speaker A: So far. Because when it runs out, then you're done. Yeah. So anyway.
• 32:44
  Speaker B: All right. What's the takeaway? Nobody knows we're done. Well, a lot of people. A lot of married people. Yeah. I did some research.
• 32:51
  Speaker A: So there's, like, so many scenarios that.
• 32:54
  Speaker B: Like, a lot of married people have separate accounts.
• 32:57
  Speaker A: Yeah.
• 32:57
  Speaker B: Totally separate.
• 32:58
  Speaker A: And there's even women or men that come to financial advisors. Like, my husband or wife doesn't know about this account. This is my money. Like, I don't believe in that. And neither does Michael. What's his is mine. What's mine is.
• 33:09
  Speaker B: I have a question. So if somebody said that to him, does he. Is he loyal to the debate? Yeah.
• 33:15
  Speaker A: It's like. It's a confidentiality.
• 33:16
  Speaker B: Yeah, but.
• 33:17
  Speaker A: Is that a word? Um, but what I'm saying is there's so many scenarios I believe in joining.
• 33:23
  Speaker B: When you're married, you join what's his is yours.
• 33:26
  Speaker A: Exactly.
• 33:27
  Speaker B: Yeah.
• 33:28
  Speaker A: And which. It's hard to feel that way when it's not actually yours personally. I don't know if you feel that way, but I feel like I always want to say his money. But it's my money. Yeah, it's my money. So that's what I want to say in our mail. This is my new thing.
• 33:42
  Speaker B: You.
• 33:42
  Speaker A: You can't say shit. Cause you know what? It's my money, too.
• 33:45
  Speaker B: Yeah, you signed up for that.
• 33:46
  Speaker A: You signed up for wifey. Anyway. But there's also marriages who handle everything separately. There's also marriages where the woman's the breadwinner, so they're handling the finances. There's also marriages where the husband's breadwinner but the wife's handling finances. There's also marriages where no one's handling the finances and they're going in debt. There's also marriages where. Yeah, there's just like, so many things. And I feel that a lot of people are very greedy with their money. So what's the. Theirs is theirs.
• 34:14
  Speaker B: Yeah.
• 34:14
  Speaker A: And they're married. I'm talking about marriages, like, and going back to the number one cause of divorce. Like, this is right so far to have conversation because, like, in an argument, so easy to say, this is my money. Don't touch my money. Yeah, but like, if a husband's like, I need to get this. I need to dabble into this. Need to dabble into your money, my money. It's like conversations get ended.
• 34:32
  Speaker B: I also think that if you're not even necessarily a stay at home mom, but like, if. If the husband makes the more money and you're not really, like. Like you don't know how much he makes. You don't really know, like, what he's invested in.
• 34:46
  Speaker A: Do you know how much he makes?
• 34:48
  Speaker B: I know. Yeah.
• 34:49
  Speaker A: Like, I feel like I know.
• 34:50
  Speaker B: I know. Yeah.
• 34:51
  Speaker A: I don't understand it, like, how he gets paid and where it comes from.
• 34:55
  Speaker B: Where does it come from?
• 34:56
  Speaker A: I don't understand. But I do know what he makes. Like, ballpark.
• 34:59
  Speaker B: Yeah, ballpark. But I just feel like a lot of people are. Are like, blindsided if they're partner doesn't.
• 35:09
  Speaker A: Can you imagine waking up one day and there's like, there's scenarios where, like, you wake up and there's like, no money in your bank account. Also your husband stole it or your wife stole it.
• 35:15
  Speaker B: Yeah, that happens. Also, I kind of wish Joey had, like, a secret bank account, like an offshore account where there's millions, where it's like one day like, oh, he's like, we hit rock bottoms. Like, I got to. I got us, babe. I got us.
• 35:26
  Speaker A: We're fine. Like, we're fine.
• 35:27
  Speaker B: We're fine.
• 35:27
  Speaker A: Like this very moment. Like, imagine, like, never having to worry about money, which I don't think that exists. Honestly. I feel like more money make more problems.
• 35:35
  Speaker B: Yeah.
• 35:35
  Speaker A: But I just feel like there's people out there who, like, don't care to spend.
• 35:40
  Speaker B: I mean, that's awesome.
• 35:42
  Speaker A: I always have it. Although I feel like my husband doesn't feel this way about me. He doesn't think I'm I'm not a crazy spender. He's sitting behind the computer at this very moment, probably laughing, but I am.
• 35:53
  Speaker B: Not a crazy spender. I am not a crazy spender.
• 35:56
  Speaker A: You have to be.
• 35:57
  Speaker B: I am not.
• 35:58
  Speaker A: You're not.
• 35:59
  Speaker B: I'm.
• 36:01
  Speaker A: I can argue that, too.
• 36:03
  Speaker B: I can't breathe.
• 36:05
  Speaker A: So, anyway, it's really hard to navigate your finances and there's a lot that goes into it. And I feel like it's hard for people to manage their money. Like, that's a very hard thing to do unless someone's helping you personally. I mean, I don't know any.
• 36:22
  Speaker B: Also, like, being just an adult once you start. Like when you buy a house and you have a family and you have to think about saving for your kids, colleges or whatever you're going to save for. Like, it's. There's so many moving parts where it's very. It's hard, it's overwhelming. And yeah, both parents work. Okay. You could sit down and see how much you make and all that. But, like, you still need to go through all your assets, see what you have, see what you can afford, see all your life expenses. And I mean, it has to be.
• 36:49
  Speaker A: So debilitating on the breadwinner who is handling all the money to have to try to not only make the money. Right. Make enough. That way he can support the family, but also support the partner's shopping addiction, also support kids, also support future and investments.
• 37:08
  Speaker B: Also any, like, anything. Like, I personally have student loans and my husband works really hard and is paying my student loans because I don't work anymore. Right. Like, he.
• 37:18
  Speaker A: It's like, no wonder, my love. So. But like, all the time. Wait, now I get it.
• 37:25
  Speaker B: Yeah, now I get it. But like, yeah, I mean, it's a lot to sign up for.
• 37:28
  Speaker A: I mean, now I feel like I am very. Yeah. And we're very appreciative and I feel like. But on another note, you know me, I get hyped up. I'm taking care of everything else so that you don't have to use your brain cells when you enter this household.
• 37:46
  Speaker B: Yeah.
• 37:47
  Speaker A: Or do anything else. Nonetheless, like, you go to work and you come home. And my husband does a lot around here. But I'm saying, like, I handle the laundry list of things like reminders and what we need to do and house stuff, dinner and vacation stuff. And, you know, when we walk out of this house, everything's done that way. You could just walk out and I have everything. The laundry list bought, which is like, you know, marriage was hard.
• 38:13
  Speaker B: Yeah.
• 38:13
  Speaker A: It's so hard. There's so many things. But anyway, I hope this airs. Thank you for listening. Like, Follow Subscribe. Buy merch.
• 38:24
  Speaker B: Buy some merch. And it's fall now, so now it's really sweatshirt weather. Just buy a sweatshirt.
• 38:30
  Speaker A: Yeah, buy a sweatshirt. Buy a cool hat for pickup and drop off.
• 38:34
  Speaker B: Yeah. And what else we're getting, we have exciting guests coming up.
• 38:39
  Speaker A: Exciting guests coming up. We actually have one coming October, in middle October, end of October. But you might not see them air. We're airing them like each month, so. But we have three, three to four guests lined up that are already in the works of, you know, setting up ship. So we're excited for what's to come. Do we have anything else to say?
• 39:00
  Speaker B: Oh, you're going to Wyoming. I'm going.
• 39:01
  Speaker A: I'm going to Wyoming. I'm very excited for this trip. I love being a gal girl.
• 39:06
  Speaker B: Yeehaw.
• 39:07
  Speaker A: I just, you know me, I love a cowgirl team.
• 39:11
  Speaker B: Oh, the outfit she has. Stay tuned. I had a little lamp, you know.
• 39:17
  Speaker A: You know. No, I love a theme. So I'm really excited for Wyoming and I'm excited to spend time with my husband. Let's see if we fist fight or not.
• 39:22
  Speaker B: You guys are supposed to recap.
• 39:24
  Speaker A: I was like, we're recoupling in Wyoming. Everyone's like, what? And I'm like, also, it's like a lot to. It's a lot to leave.
• 39:32
  Speaker B: Yeah. So you got.
• 39:34
  Speaker A: I gotta, I mean, this is what I do for a living, Okay. I make sure everybody can get out of the house. Okay. We have a dog with a baby. I'm packing the baby. I'm packing the dog up. I'm making sure everybody's like, do back.
• 39:44
  Speaker B: For your husband too.
• 39:46
  Speaker A: If I am in a good mood, I'll back for him. But sometimes, like, I pick out his outfit.
• 39:52
  Speaker B: You know what Joey used to tell me? So our husband's grandma, Grandma and grandpa. Our grandma is still around, God bless her. She's 95 or 96. They had a very long loving marriage. Grandpa's not around anymore, but grandma would pack for. They had seven kids. Okay. And he was a very hard worker. Grandma always packed for grandpa. Okay. So Joey always says, you know, grandma packed for grandpa. Like for every trip, like that's his go to.
• 40:22
  Speaker A: It's so funny because, like, I do for Michael, but I feel like he.
• 40:25
  Speaker B: Like he wants certain things.
• 40:26
  Speaker A: Yeah.
• 40:26
  Speaker B: He wouldn't want.
• 40:27
  Speaker A: No, not even that. Like he would. He likes to pack himself.
• 40:31
  Speaker B: Yeah.
• 40:31
  Speaker A: I could lay everything out for him.
• 40:32
  Speaker B: Yeah.
• 40:33
  Speaker A: He'll pack in the super. I'll lay out. Although I feel like he's more efficient with that, like, I over back.
• 40:37
  Speaker B: So.
• 40:38
  Speaker A: Yeah, I'd be like, yeah, just bring that extra outfit. You're like, I don't need it.
• 40:41
  Speaker B: Right.
• 40:42
  Speaker A: So anyway, finances, baby. Money. Money grows on trees. No, it's like, okay, as much as people think I'm a shop walk and I buy things and all the things, but I am good with my money.
• 40:57
  Speaker B: Mm.
• 40:58
  Speaker A: I don't have.
• 40:58
  Speaker B: She's good.
• 41:00
  Speaker A: Speaking of. Honey, can you Venmo me literally has.
• 41:03
  Speaker B: Joined a Venmo me.
• 41:04
  Speaker A: Okay. And why don't you do that, Mike.
• 41:07
  Speaker B: While you're at it? Venmo me, because I'm going to Atlanta city. I will put all my money on Red 7.
• 41:12
  Speaker A: That's it.
• 41:13
  Speaker B: Okay. Okay.
• 41:14
  Speaker A: So if you're listening, please win us money.
• 41:16
  Speaker B: I'll try.
• 41:18
  Speaker A: I need so much money. I have to go. I'm getting. I'm getting stressed out.
• 41:21
  Speaker B: All right, bye.
• 41:22
  Speaker A: We love you.
• 41:22
  Speaker B: Bye, Sam.