Latest / We Talk Back / Go Fund Yourself with Erin Corbett

Transcript

Go Fund Yourself with Erin Corbett · We Talk Back

• 0:03
  Speaker 1: We're just two unapologetically Black women with an opinion who
• 0:07
  Speaker 1: talk back.
• 0:10
  Speaker 2: What's up, y'all?
• 0:11
  Speaker 3: Thank you for tuning in for a new episode of
• 0:13
  Speaker 3: We Talk Back, a show dedicated to you niggas.
• 0:19
  Speaker 2: What was that? This is your co-host, AJ Holiday. What's up, Tam?
• 0:25
  Speaker 1: And it's dedicated to those blanks and everybody in between. Hey, girl. Hey, y'all.
• 0:32
  Speaker 1: I love y'all once again this week. I'm still coming
• 0:34
  Speaker 1: with all the love. How you doing, friend?
• 0:36
  Speaker 2: I'm good.
• 0:37
  Speaker 3: I met a couple beige guys this weekend, and I
• 0:41
  Speaker 3: think that maybe one might have listened to the show,
• 0:44
  Speaker 3: and he curved me yesterday.
• 0:48
  Speaker 1: So?
• 0:49
  Speaker 3: I mean, yeah, so, but I'm just saying. Maybe the
• 0:53
  Speaker 3: intro scares people off, because last week's episode was good.
• 0:57
  Speaker 2: Right.
• 0:59
  Speaker 1: So?
• 0:59
  Speaker 2: Fuck them. Period. I can't see you though.
• 1:04
  Speaker 1: Maybe we don't have to say to niggas and hoes.
• 1:08
  Speaker 1: Maybe we could just say to ninjas and pros.
• 1:12
  Speaker 2: Ninjas and pros!
• 1:14
  Speaker 1: Touch your toes!
• 1:19
  Speaker 2: What'd you do this.
• 1:19
  Speaker 1: Weekend besides meet some beige guys?
• 1:22
  Speaker 2: I was outside all weekend. Like for real outside.
• 1:26
  Speaker 1: Celebrating our win? Yeah, celebrate your wins.
• 1:29
  Speaker 2: Kind of, I guess. Maybe that's what it was.
• 1:31
  Speaker 3: I just started with brunch every day and then just
• 1:34
  Speaker 3: didn't get home until 10, 11 o'clock at night.
• 1:37
  Speaker 2: So brunch starts at what time?
• 1:38
  Speaker 1: 12?
• 1:38
  Speaker 3: So I was doing 12-hour shifts of ratchet shit this weekend.
• 1:44
  Speaker 2: It was really fun. Real, real fun. You know, Charleston
• 1:47
  Speaker 2: has a lot of nice places.
• 1:49
  Speaker 3: A lot of nice rooftop bars and it's always sunny
• 1:52
  Speaker 3: out and shit. And we got palm trees. I just
• 1:55
  Speaker 3: feel like niggas be hating because we got palm trees
• 1:57
  Speaker 3: and we got the beach and.
• 1:59
  Speaker 2: It'd just be nice.
• 2:00
  Speaker 3: All the Southern Charm characters are out this weekend, too. Yeah,
• 2:04
  Speaker 3: I know we got the reality show in Charleston, Southern Charm,
• 2:08
  Speaker 3: which highlights all the prominent elitists in the city.
• 2:14
  Speaker 2: You know, the slave owners.
• 2:18
  Speaker 1: Descendants.
• 2:19
  Speaker 2: Exactly. Okay, and all the generational wealth. A couple of
• 2:24
  Speaker 2: them not.
• 2:24
  Speaker 3: My favorite character off that show is, what's this girl's name?
• 2:29
  Speaker 3: And she was out as well. But she didn't come
• 2:32
  Speaker 3: for money for real. She owns a salon here now.
• 2:35
  Speaker 3: And I don't even think she got the salon until
• 2:37
  Speaker 3: she was on the show. Not Madeline. I forgot her
• 2:41
  Speaker 3: name anyway. She just got married. Super pretty white girl.
• 2:45
  Speaker 3: But the rest of them.
• 2:46
  Speaker 1: I don't follow.
• 2:47
  Speaker 2: Yeah. The rest of them are.
• 2:51
  Speaker 1: Did I stay home and cook meals for niggas?
• 2:54
  Speaker 2: Uh-uh. You was cooking for niggas this weekend?
• 2:56
  Speaker 1: Mm-hmm.
• 2:57
  Speaker 2: I hear that. You got a boyfriend? Mm-mm. You got
• 3:02
  Speaker 2: a boy that's a friend?
• 3:03
  Speaker 1: Because I just had to let these niggas know, you know,
• 3:06
  Speaker 1: because they be thinking because I make them take me
• 3:09
  Speaker 1: to dinner all the time that I don't know how
• 3:11
  Speaker 1: to cook. But I can get these pasta quaking. What
• 3:15
  Speaker 1: you cook? All right, so I made some steak. I
• 3:21
  Speaker 1: made some ribeyes. And I made some lobster mac and cheese.
• 3:25
  Speaker 1: And I made some broccolini with some little honey butter
• 3:30
  Speaker 1: croissants on the side.
• 3:32
  Speaker 2: Sounds good.
• 3:33
  Speaker 1: And some wine.
• 3:34
  Speaker 3: I heard you had that world-renowned mac and cheese. Like,
• 3:37
  Speaker 3: I've made your mac and cheese, but I've never actually
• 3:39
  Speaker 3: tasted your mac and cheese. You know, it's like a
• 3:45
  Speaker 3: love spell or something. You put your own little mix
• 3:47
  Speaker 3: on it. I know mine probably tastes different. I haven't
• 3:49
  Speaker 3: actually tasted yours, but I heard it was good.
• 3:52
  Speaker 1: Well, when you come to Charlotte, I'll make you a
• 3:54
  Speaker 1: little small pan.
• 3:55
  Speaker 2: I heard your Mac was Mac-ing, bitch.
• 3:57
  Speaker 3: Yeah.
• 3:58
  Speaker 1: It's the bee's knees. People have that Mac, too.
• 4:01
  Speaker 2: It be Mac-ing.
• 4:03
  Speaker 1: No, let me tell you what I love of yours.
• 4:04
  Speaker 1: That red rice, bitch.
• 4:06
  Speaker 3: Look, we had to trade recipes. You know, real cooks
• 4:08
  Speaker 3: don't be just giving out fucking recipes. So I was like,
• 4:10
  Speaker 3: all right, bitch, let me get the mac and cheese.
• 4:12
  Speaker 3: I'll send you the red rice recipe. That's how that
• 4:15
  Speaker 3: go down.
• 4:15
  Speaker 1: That red rice is so good. That's why I got
• 4:18
  Speaker 1: this little extra piece of hip right now.
• 4:21
  Speaker 3: You know, I can't even eat red rice like that
• 4:23
  Speaker 3: no more because it doesn't, like, taste the same without
• 4:26
  Speaker 3: all the meat, you know?
• 4:27
  Speaker 2: Yeah, the meat set it off.
• 4:29
  Speaker 3: Yeah, I haven't had red rice myself.
• 4:32
  Speaker 2: In a long time.
• 4:33
  Speaker 1: Years. It's pointless if you're just eating red rice with
• 4:37
  Speaker 1: nothing in it. Get out of here.
• 4:39
  Speaker 2: Right. No animals?
• 4:41
  Speaker 1: Right. No animals cooked in the rice? It's crazy. Let's
• 4:44
  Speaker 1: get into our stupid internet news.
• 4:47
  Speaker 3: Let's see what's going on. So, I want to start
• 4:50
  Speaker 3: with Ebony K. Williams and Ayanna.
• 4:54
  Speaker 2: Ayanna. I can't say her name. Say it.
• 4:57
  Speaker 1: Ayanna Von Zant.
• 4:58
  Speaker 2: Got it. Okay. Which is not her real name, but
• 5:01
  Speaker 2: let's start there.
• 5:03
  Speaker 3: Yeah, so I know you've probably seen it if you
• 5:05
  Speaker 3: guys haven't. So it's a viral video going on right now.
• 5:10
  Speaker 2: So Ebony K.
• 5:11
  Speaker 3: Williams and essentially Ayanya.
• 5:16
  Speaker 2: Was asking her. Just call her Ivy.
• 5:18
  Speaker 3: Ivy was asking her would she date a bus driver, right?
• 5:22
  Speaker 3: And she said if he owned the bus. That's what,
• 5:26
  Speaker 3: you know, Ebony K. Williams' response was. I like comments.
• 5:31
  Speaker 3: I like to see what the people think. I really
• 5:33
  Speaker 3: don't give a fuck what the people think, but I
• 5:34
  Speaker 3: do like to see people's thought process. And a lot
• 5:36
  Speaker 3: of people was talking shit, especially the men. Oh, she's
• 5:39
  Speaker 3: 40 something still with no man, descendant third. And I'm like,
• 5:44
  Speaker 3: after this weekend and being out a little bit, is
• 5:48
  Speaker 3: it possible that there are a lot of black women
• 5:51
  Speaker 3: that are single and haven't been wedded because, or I
• 5:54
  Speaker 3: think she's been married before. She's divorced, right? She isn't
• 5:57
  Speaker 3: married now. But I think a lot of black women
• 6:00
  Speaker 3: are single because we choose to stay within our own shit.
• 6:04
  Speaker 2: Right.
• 6:05
  Speaker 3: You know, if she were to choose to maybe date outside,
• 6:08
  Speaker 3: she might be married.
• 6:11
  Speaker 1: What's wrong with her wanting him to own the bus?
• 6:13
  Speaker 1: I don't know.
• 6:14
  Speaker 3: And I feel like, ma'am, you don't compare me to you. Like,
• 6:17
  Speaker 3: you might be cool with that shit. Like, you might
• 6:19
  Speaker 3: have to get a bus driver, but that's not what
• 6:20
  Speaker 3: I want.
• 6:22
  Speaker 1: Right.
• 6:22
  Speaker 2: Right.
• 6:24
  Speaker 1: Ayala was like, see, that's your problem, bitch.
• 6:33
  Speaker 3: And there's nothing wrong with a bus driver, but you
• 6:36
  Speaker 3: don't go through life being a super accomplished woman, right?
• 6:40
  Speaker 3: To not at least want somebody, and I hate to
• 6:42
  Speaker 3: use the term equal, but that's what it is. I
• 6:45
  Speaker 3: feel like in a black community, black men are hypergamous.
• 6:49
  Speaker 2: Black men date up. All day long, like, you got
• 6:53
  Speaker 2: to come with all the shit, right? But for the
• 6:56
  Speaker 2: black women, like, it's almost like, oh, I can't believe
• 6:58
  Speaker 2: you bitches require stuff. It's a problem. It's a problem.
• 7:04
  Speaker 3: Like, they want us to date down so that they
• 7:07
  Speaker 3: have access to the best of the best.
• 7:10
  Speaker 2: Right.
• 7:10
  Speaker 1: I agree. But no, because a black man will grab
• 7:13
  Speaker 1: a woman out of Target skin and stuff.
• 7:15
  Speaker 2: Yes, if she's Hispanic.
• 7:19
  Speaker 3: With a big booty, with all our characteristics, right? All
• 7:25
  Speaker 3: our physical characteristics and aesthetics, but just not on a
• 7:30
  Speaker 3: black woman.
• 7:33
  Speaker 2: Is that fair to say? Successful black men.
• 7:38
  Speaker 1: I've seen successful black men grab black women out of
• 7:43
  Speaker 1: the strip club. dancing on the pole. So, I mean,
• 7:46
  Speaker 1: that's not really.
• 7:47
  Speaker 2: Hypergamy, is it? That is hypergamy. That woman on the
• 7:51
  Speaker 2: pole is dating up. Yes, that's hypergamy.
• 7:53
  Speaker 1: For her, but it's not hypergamy for the man.
• 7:55
  Speaker 2: Oh, right, for the man. Right.
• 7:57
  Speaker 1: Yeah.
• 7:57
  Speaker 2: I don't know.
• 7:58
  Speaker 1: So, I mean, I guess it's a crapshoot, honestly. I
• 8:01
  Speaker 1: just don't like people being angry with a woman for
• 8:04
  Speaker 1: wanting better for herself. Like, why are you upset about that?
• 8:08
  Speaker 1: I just don't get that part.
• 8:09
  Speaker 2: Right.
• 8:10
  Speaker 3: And that was, like, a trending topic online, and it
• 8:12
  Speaker 3: puts black women... Now it's like, I'm sorry, Ivy gives
• 8:17
  Speaker 3: me pick-me.
• 8:21
  Speaker 2: Energy. I'm sorry. She just does.
• 8:24
  Speaker 3: And I don't think we should be shutting any other
• 8:26
  Speaker 3: black woman for her preference. Men get to have preferences
• 8:28
  Speaker 3: all day long on what they prefer in relationships. Why
• 8:32
  Speaker 3: is it like a death sentence when we do? Like, oh,
• 8:34
  Speaker 3: you just automatically get super shamed for, you know, putting
• 8:38
  Speaker 3: out there what you want.
• 8:40
  Speaker 2: Why not? Right. That's how you get what you want.
• 8:44
  Speaker 2: You have to fucking speak it. So we get shame
• 8:48
  Speaker 2: for it.
• 8:49
  Speaker 1: I just thought about old boy from.
• 8:54
  Speaker 2: Jada Pinkett.
• 8:55
  Speaker 1: When he was driving the bus and he took her
• 8:57
  Speaker 1: to the field and fucked her.
• 9:00
  Speaker 2: Who? What's his name? What movie? Alan Payne.
• 9:02
  Speaker 1: Alan Payne and Jada Pinkett on.
• 9:06
  Speaker 2: Jason's lyric. He got her.
• 9:08
  Speaker 1: He picked her up on the bus. There was nobody
• 9:10
  Speaker 1: else on it. And he took her to that field
• 9:12
  Speaker 1: and fucked her. I might do that with a bus
• 9:14
  Speaker 1: driver if he was fine.
• 9:17
  Speaker 2: Yo. No. Fuck me and some roses, big daddy.
• 9:24
  Speaker 3: The thing is, it's okay if we in our 20s, right?
• 9:27
  Speaker 3: And we're growing and building together. But we're talking about
• 9:31
  Speaker 3: 40-year-old women. And up, we're not the only single ones.
• 9:34
  Speaker 3: Black men are single too. Like, there's a lot of
• 9:36
  Speaker 3: black single men. There's a lot of black single women.
• 9:38
  Speaker 3: I just think that oftentimes in the black community, we
• 9:41
  Speaker 3: don't put as much emphasis on marriage, black men in particular.
• 9:45
  Speaker 2: Don't put that much emphasis on marriage. They don't see
• 9:47
  Speaker 2: the benefit. The value.
• 9:48
  Speaker 1: Yeah.
• 9:49
  Speaker 3: They don't see the benefit in having a wife and building, like,
• 9:52
  Speaker 3: for real, building a legacy and not just saying it.
• 9:55
  Speaker 3: They don't see the value in it. So that's why
• 9:57
  Speaker 3: we single. It ain't because it's not men out here.
• 10:00
  Speaker 3: you know I'm saying they just don't have they don't
• 10:02
  Speaker 3: just don't put the value on marriage same way we
• 10:04
  Speaker 3: don't put value on education and a lot of other
• 10:06
  Speaker 3: things we actually going to get into um in this
• 10:08
  Speaker 3: particular episode but yeah I'm what uh I'm definitely what
• 10:14
  Speaker 3: FDK Williams sorry me too okay sorry Ivy me too
• 10:19
  Speaker 3: Unless one of y'all got a bus, it can take
• 10:21
  Speaker 3: me to a patch of flowers and you fine.
• 10:24
  Speaker 1: I'm with Ebony K. Toni Braxton revealed that she underwent
• 10:31
  Speaker 1: emergency heart surgery in September to treat a life-threatening lupus complication.
• 10:37
  Speaker 1: My good sister's going through it with her lupus. And,
• 10:39
  Speaker 1: you know, shout out to all the lupus warriors out
• 10:42
  Speaker 1: there that's, you know, battling silently or publicly, you know.
• 10:48
  Speaker 2: My niece has lupus.
• 10:53
  Speaker 3: Yeah.
• 10:53
  Speaker 1: Shout out to your niece.
• 10:54
  Speaker 3: Sometimes I wish I can take it from her because
• 10:57
  Speaker 3: I know I'd be able to manage it better.
• 10:59
  Speaker 2: You know what I'm saying?
• 11:01
  Speaker 3: I tell her oftentimes, maybe you might have to do
• 11:03
  Speaker 3: vegan for a little while. When I was living in St. Louis,
• 11:06
  Speaker 3: I used to get colonics done every week. And the
• 11:10
  Speaker 3: lady who was doing it was this African woman. She
• 11:13
  Speaker 3: showed me pictures of her wheelchair, bedridden.
• 11:17
  Speaker 2: She was sick. Lupus, supposed to be dead, essentially.
• 11:21
  Speaker 3: And she started doing colonics, getting colonics, and she went vegan.
• 11:26
  Speaker 2: Healthy.
• 11:27
  Speaker 1: Healthy. A lot of it has to do with what
• 11:30
  Speaker 1: you put in your body, but sometimes it takes more
• 11:32
  Speaker 1: than that. Toni Braxton said, I kept putting the test
• 11:39
  Speaker 1: off thinking, oh, I'm fine. I'll be okay. But my
• 11:41
  Speaker 1: doctor was persistent and I went to get tested in
• 11:43
  Speaker 1: the last week of September. I did a specialized test
• 11:46
  Speaker 1: and they looked at my heart and saw some abnormalities.
• 11:49
  Speaker 1: Braxton told People Magazine, I found out that I needed
• 11:52
  Speaker 1: a coronary stent. My left main coronary already was 80% blocked.
• 11:56
  Speaker 1: The doctors told me I could have had a massive
• 11:58
  Speaker 1: heart attack. I would not have survived. It was a
• 12:01
  Speaker 1: traumatic moment for me.
• 12:02
  Speaker 2: I was in shock.
• 12:03
  Speaker 1: She underwent emergency surgery two days later and had a
• 12:07
  Speaker 1: stent inserted into the artery to keep it from narrowing
• 12:09
  Speaker 1: or closing.
• 12:11
  Speaker 2: Dang. How is that caused via lupus?
• 12:15
  Speaker 3: I know lupus shows up different for everybody, but I
• 12:19
  Speaker 3: wonder if she's ever had any heart issues prior to now.
• 12:22
  Speaker 1: That's weird.
• 12:24
  Speaker 3: Yeah, lupus affects everybody differently because some people are like
• 12:27
  Speaker 3: for real like bedridden, can't walk, skin crazy.
• 12:32
  Speaker 2: Is your body for real turning against you?
• 12:36
  Speaker 1: Yeah.
• 12:38
  Speaker 2: You know what I want to talk about also? Praz.
• 12:41
  Speaker 3: Praz Michael from the Fugees. Praz was the founder of
• 12:46
  Speaker 3: the Fugees. He got convicted of 10 counts of conspiracy, essentially.
• 12:54
  Speaker 2: Last week, he was in federal court.
• 12:57
  Speaker 3: You even had Leonardo DiCaprio testify against him. But I
• 13:03
  Speaker 3: don't think people understand what the fuck is really going
• 13:05
  Speaker 3: on with that. And maybe I'll try to convey it
• 13:08
  Speaker 3: a little bit, right? I feel like the headlines have
• 13:11
  Speaker 3: been trying to throw in our previous president, which is Trump.
• 13:16
  Speaker 3: But this just started with the Obama administration. Essentially, they
• 13:20
  Speaker 3: had been funneling money to the Obama administration, like, you know,
• 13:27
  Speaker 3: during the 2012 election. by way of this, this Chinese, um, um, businessman,
• 13:36
  Speaker 3: essentially they stole billions of dollars from, um, a Chinese, um,
• 13:42
  Speaker 3: fund and they were funneling money like illegal lobbying and
• 13:47
  Speaker 3: shit like that. So the complaint reads that, um, federal
• 13:51
  Speaker 3: jury convicted us entertainer and businessman today of orchestrating an
• 13:56
  Speaker 3: unregistered back channel campaign beginning in or about 2017 to
• 14:01
  Speaker 3: influence the then-administration of the President of the United States
• 14:05
  Speaker 3: and the Department of Justice to drop the investigations of
• 14:09
  Speaker 3: Jho Low, J-H-O.
• 14:10
  Speaker 2: Is it J-I-O, J-I-O-H-O? J-I-L-O, J-H-O-L-O is his name. J-Low.
• 14:16
  Speaker 2: J-Low is J-H-O-L-O though.
• 14:20
  Speaker 3: And others for embezzlement and other offenses in connection with
• 14:24
  Speaker 3: the international strategic and development company known as One Malaysia
• 14:29
  Speaker 3: Development Berhad.
• 14:31
  Speaker 2: It's 1MDB.
• 14:35
  Speaker 3: And to send a Chinese national back to China, as
• 14:38
  Speaker 3: well as conspiring to make and conceal foreign and conduit
• 14:42
  Speaker 3: campaign contributions during the 2012 U.S. presidential election. So that's
• 14:47
  Speaker 3: when Obama would have been in office. So according to
• 14:51
  Speaker 3: the documents and evidence presented at trial, prize, Michael, 50,
• 14:56
  Speaker 3: of Coconut Creek, Florida, conspired with Low Tech J-Ho, a.k.a.
• 15:03
  Speaker 2: J-Ho Low of Malaysia.
• 15:05
  Speaker 3: And they have all these other people listed and others
• 15:07
  Speaker 3: to engage in undisclosed lobbying campaigns at the direction of
• 15:11
  Speaker 3: Low and the Vice Minister of Public Security for the
• 15:14
  Speaker 3: People's Republic of China, respectively to have the 1MDB embezzlement
• 15:20
  Speaker 3: investigation and forfeiture proceedings, including Low and others, dropped. and
• 15:24
  Speaker 3: have Chinese nationals sent back to China. So essentially, he
• 15:29
  Speaker 3: was giving money, trying to funnel money to the campaign, right?
• 15:33
  Speaker 3: And then also trying to convince the Trump administration to
• 15:37
  Speaker 3: stop investigating the shit they did in 2012. All while
• 15:41
  Speaker 3: y'all got Trump fucked up for giving a bitch $ 130,
• 15:43
  Speaker 3: $ 130, 000 to cover up.
• 15:43
  Speaker 2: I'm sure if we investigated any... All of them.
• 15:51
  Speaker 1: All of them. They would all have some money that
• 15:53
  Speaker 1: came from somewhere that didn't belong.
• 15:56
  Speaker 2: All of them.
• 15:56
  Speaker 3: Because that's how we get in trouble with these other countries.
• 15:59
  Speaker 3: People are doing backdoor deals and shit like that, swapping money.
• 16:03
  Speaker 2: It happens all the time.
• 16:05
  Speaker 3: I just hate how this black man, this one lone
• 16:08
  Speaker 3: black man, is about to take the fall for a
• 16:10
  Speaker 3: major criminal enterprise at this point. This shit is way
• 16:17
  Speaker 3: bigger than these little small little headlines. This shit is
• 16:20
  Speaker 3: real serious. I don't think people know how serious it is, though.
• 16:24
  Speaker 1: Yeah, I don't think people understand how serious this is,
• 16:27
  Speaker 1: but I cannot wait for it to be adapted into
• 16:30
  Speaker 1: a movie.
• 16:32
  Speaker 2: So you can get the summary? Ooh la la la.
• 16:37
  Speaker 2: I hate you! Bitch! This is fucking serious!
• 16:42
  Speaker 3: We in trouble right now. Our country has literally been sold.
• 16:46
  Speaker 3: Our country has been bought and fucking sold, and.
• 16:49
  Speaker 2: People don't see that. Mm-hmm. They don't see that. We
• 16:53
  Speaker 2: fucked up right now. Do y'all see BRICS?
• 16:55
  Speaker 3: BRICS is basically essentially like your.
• 17:01
  Speaker 3: All these other countries are coming together now and they're like,
• 17:04
  Speaker 3: fuck the United States.
• 17:05
  Speaker 2: Fuck the U.S. dollar.
• 17:05
  Speaker 1: Yeah, I see that.
• 17:06
  Speaker 2: That's a problem. There's no more United Nations.
• 17:11
  Speaker 3: We literally now on an island by ourselves. And I
• 17:14
  Speaker 3: don't really blame these other countries. America does some fucked
• 17:17
  Speaker 3: up stuff to other people. I hate the term destabilize,
• 17:21
  Speaker 3: like you running up in other people's countries to destabilize
• 17:24
  Speaker 3: some stable shit. Like the main thing that the United
• 17:28
  Speaker 3: States produces is like war shit, war tools, guns, ammunition,
• 17:33
  Speaker 3: big stupid ass missiles and shit like that. That's our
• 17:36
  Speaker 3: main industry here. And that's all like makings of a
• 17:39
  Speaker 3: fucking bully. So yeah, this shit is fucking serious, man.
• 17:44
  Speaker 3: I wish more people would look into what's really going
• 17:46
  Speaker 3: on with Praz and it's terrible that he's going to
• 17:48
  Speaker 3: take the fall.
• 17:49
  Speaker 2: And he said he was a U.S.
• 17:51
  Speaker 3: Informant for 20 years, a federal informant for 20 years.
• 17:55
  Speaker 3: But what he informed on was the fact that China
• 17:58
  Speaker 3: had an American citizen and a Chinese national held captive
• 18:03
  Speaker 3: at some point. That's what he informed the U.S.
• 18:05
  Speaker 2: Government of. Nobody's talking about that part. But yeah.
• 18:12
  Speaker 1: Well, I can't wait for the money, so.
• 18:17
  Speaker 2: Fucking crazy ass. Y'all, RIP to Jerry Springer.
• 18:22
  Speaker 1: Yes.
• 18:23
  Speaker 2: RIP to Harry Belafonte.
• 18:26
  Speaker 1: Yes, both of those people. I feel like it's starting
• 18:30
  Speaker 1: to be like, if there is a heaven, there's a
• 18:34
  Speaker 1: lot more cool people in heaven than still on earth.
• 18:38
  Speaker 2: This is hell. Like, this shit is so fucking stressful.
• 18:43
  Speaker 3: I remember I was in Angola talking shit about America
• 18:47
  Speaker 3: we was like sitting at the bar and my homegirl
• 18:49
  Speaker 3: her phone was on the bar and we just like
• 18:51
  Speaker 3: man America's so stressful like yeah these people might have
• 18:54
  Speaker 3: less over here but they chilling like they live on
• 18:55
  Speaker 3: the beach girl why the fuck Siri came on and
• 18:58
  Speaker 3: started calling the police on us that bitch started calling
• 19:02
  Speaker 3: 911 on us for talking shit about America Siri don't.
• 19:06
  Speaker 2: Play by her country laughing Like, what? What the hell?
• 19:13
  Speaker 3: They be listening. They be listening, man. All this AI
• 19:16
  Speaker 3: shit that's happening. If you're reading this, it's too late.
• 19:21
  Speaker 3: If you're listening to this, it's too late.
• 19:24
  Speaker 2: Just put me on some.
• 19:25
  Speaker 1: I just want my man to get some land at
• 19:27
  Speaker 1: this point and put me on it.
• 19:29
  Speaker 2: I hear that.
• 19:31
  Speaker 1: Put me on some land so I can just raise
• 19:33
  Speaker 1: some animals and grow my own food.
• 19:36
  Speaker 3: Girl, that homesteading is fucking hard. I got a few
• 19:38
  Speaker 3: homestead books I ordered off Amazon. Like when shit really
• 19:42
  Speaker 3: gets stupid, I'll know how to make a windmill and
• 19:44
  Speaker 3: shit and how to generate energy from water.
• 19:47
  Speaker 1: I um I need to learn how to make preserves
• 19:51
  Speaker 1: my grandma got a recipe book I need to look
• 19:53
  Speaker 1: at it I need to dust it off and look
• 19:55
  Speaker 1: at how she she used to have like a cabinet
• 19:57
  Speaker 1: full of preservatives like just jars and jars of stuff
• 20:02
  Speaker 1: and I can't I couldn't preserve I can't keep nothing
• 20:06
  Speaker 1: living right now but myself, but we're going to work
• 20:08
  Speaker 1: on it.
• 20:12
  Speaker 2: Shame. My plant's so thriving.
• 20:15
  Speaker 3: My little money plant girl, I got her sitting by
• 20:16
  Speaker 3: the door right now. I be kissing that plant and
• 20:18
  Speaker 3: all that type of shit. I'm so proud that I've
• 20:20
  Speaker 3: been able to keep that plant alive for about a
• 20:21
  Speaker 3: year now.
• 20:22
  Speaker 2: I'm happy about it.
• 20:23
  Speaker 1: Yeah, that's good. Mine lasted like two months, two, three months.
• 20:28
  Speaker 2: I think I overloved it. You probably put too much
• 20:32
  Speaker 2: water in it. Yeah, that's what I'm thinking.
• 20:34
  Speaker 1: I overwater it. I talk to it every day. And
• 20:37
  Speaker 1: I used to be like, why is you.
• 20:39
  Speaker 2: Looking like that?
• 20:41
  Speaker 3: That shit only need like minimal light and like six
• 20:44
  Speaker 3: ounces of water every three weeks is what you're supposed
• 20:46
  Speaker 3: to give it. I put coconut water on my plants.
• 20:50
  Speaker 3: So she'd be like, oh, bitch, thank you. Y'all like, again,
• 20:54
  Speaker 3: RIP to Jerry Springer and Harry Belafonte. Harry Belafonte was 96.
• 21:00
  Speaker 3: Jerry Springer died at 79. And this is a great
• 21:05
  Speaker 3: segue into what we want to talk about today.
• 21:08
  Speaker 2: Life insurance.
• 21:10
  Speaker 3: Health insurance. We want to make sure we, aside from
• 21:15
  Speaker 3: talking about relationships and shit like that all the damn time,
• 21:17
  Speaker 3: we do have other things that we're capable of speaking on, right?
• 21:21
  Speaker 3: So we do have a special guest on We Talk
• 21:23
  Speaker 3: Back this week who's going to give us.
• 21:25
  Speaker 2: And our listeners more information. I mean, we are all
• 21:28
  Speaker 2: at that age.
• 21:29
  Speaker 3: You don't want to wait until Something bad happens to
• 21:32
  Speaker 3: think about these things.
• 21:33
  Speaker 2: Get on top of it today.
• 21:34
  Speaker 1: All right, y'all. Thank y'all for joining We Talk Back TV.
• 21:41
  Speaker 1: All right, so we have a special guest on today.
• 21:43
  Speaker 1: It is actually my cousin. And the reason why I
• 21:45
  Speaker 1: wanted to bring her on is y'all will be having
• 21:48
  Speaker 1: these GoFundMes every time someone passes away, someone's sick. That
• 21:53
  Speaker 1: just seems like to be the black way to handle
• 21:56
  Speaker 1: things when it comes to health care and paying for death.
• 22:00
  Speaker 1: And we all got to go up out of here.
• 22:01
  Speaker 1: So we need to get in front of that. So
• 22:03
  Speaker 1: I got my cousin Erin Corbett on and she's a
• 22:06
  Speaker 1: licensed insurance professional. She's been in the industry for almost
• 22:10
  Speaker 1: 10 years and she has a lot of experience, tons
• 22:13
  Speaker 1: of experience. And she's literally helped me so much when
• 22:16
  Speaker 1: it comes to my health insurance and my health care.
• 22:19
  Speaker 1: So I wanted to have a conversation with her so
• 22:21
  Speaker 1: we can get some knowledge for you all on how
• 22:23
  Speaker 1: To get on top of that so we can start
• 22:24
  Speaker 1: with this GoFundMe shit.
• 22:28
  Speaker 2: Hey, Erin, girl.
• 22:28
  Speaker 1: Thank you for joining us. Hey, girl.
• 22:30
  Speaker 2: Welcome to We Talk Back. Glad for you guys to
• 22:33
  Speaker 2: have me here today. It's a family affair. Absolutely.
• 22:36
  Speaker 1: I want to get some real information to our listeners
• 22:39
  Speaker 1: that can help because, you know, I was out here
• 22:42
  Speaker 1: running around here. Like, I know a lot of people,
• 22:44
  Speaker 1: they use the emergency room as their only source of
• 22:48
  Speaker 1: of health care, like they wait till they're almost half dead,
• 22:51
  Speaker 1: and they just go to the emergency room, and then
• 22:53
  Speaker 1: they have these astronomical bills that they never plan to pay. And,
• 22:58
  Speaker 1: you know, that's just not the.
• 22:59
  Speaker 2: Healthy way to do it.
• 23:01
  Speaker 1: First, you tell everybody about yourself and your career.
• 23:05
  Speaker 2: Sure. So, again, my name is Erin Corbett. Like I said,
• 23:09
  Speaker 2: I've been in the insurance industry almost 10 years. I
• 23:13
  Speaker 2: do carry three licenses. I'll do health, life, and supplementals.
• 23:16
  Speaker 2: So basically I work with everything that deals with whatever
• 23:21
  Speaker 2: can happen to you while you're alive or after someone
• 23:23
  Speaker 2: passes away.
• 23:24
  Speaker 1: Okay.
• 23:26
  Speaker 2: So life insurance is not just for the dead, y'all. No,
• 23:29
  Speaker 2: life insurance is not just for the dead.
• 23:30
  Speaker 3: You can also use life insurance while you're living.
• 23:32
  Speaker 2: For the living. So how life insurance for the living?
• 23:36
  Speaker 2: Because don't, like... You don't get paid out until you did. No,
• 23:40
  Speaker 2: that's not true.
• 23:40
  Speaker 3: So let's talk about whole life insurance, for instance, and
• 23:45
  Speaker 3: different ways people actually build wealth. We can start there.
• 23:48
  Speaker 3: Build wealth from having life insurance policies. I think a
• 23:50
  Speaker 3: lot of black people, they miss that because they just
• 23:52
  Speaker 3: don't know because they only think about life insurance when
• 23:55
  Speaker 3: somebody dies.
• 23:56
  Speaker 2: That's correct. Life insurance, it's a tool for finance, right?
• 24:01
  Speaker 2: Because if you buy whole life policies, as you were
• 24:04
  Speaker 2: speaking of, what it does is it generates... your own
• 24:09
  Speaker 2: source of a loan, right? And if there's different variations
• 24:12
  Speaker 2: of life insurances, but let's say, for example, you have
• 24:14
  Speaker 2: like a 20 pay life insurance. It'll be paid off
• 24:17
  Speaker 2: in 20 years. Let's say it was 50,000, but you
• 24:20
  Speaker 2: only put 20,000 in it. So if you started at 30,
• 24:24
  Speaker 2: paid it off by 50, now you have $ 50, 000 just
• 24:26
  Speaker 2: sitting there for whatever you want. You can purchase a
• 24:28
  Speaker 2: home with it and cash it out. You can use
• 24:30
  Speaker 2: it to pay down debt if that's something that you
• 24:33
  Speaker 2: had going on. Pay for children's college and different things
• 24:35
  Speaker 2: like that. Start your own business, but it becomes your
• 24:37
  Speaker 2: own source of money. to borrow from, cash out, without
• 24:41
  Speaker 2: taking out a loan that has interest, different things like that.
• 24:44
  Speaker 2: So that is a way that they do use it
• 24:46
  Speaker 2: to build wealth.
• 24:47
  Speaker 3: So, you know, we talk about reparations a lot, like
• 24:49
  Speaker 3: black people, oh, we need to get paid for slavery,
• 24:51
  Speaker 3: and that's in a third.
• 24:51
  Speaker 2: But I think that a lot of people don't have deliverables.
• 24:54
  Speaker 3: Like if we were to actually ask for reparations, what
• 24:57
  Speaker 3: are some of the deliverables? And whole life insurance is
• 24:59
  Speaker 3: one of the things I would ask for. We need
• 25:01
  Speaker 3: whole life insurance.
• 25:02
  Speaker 2: Free tuition. When you say whole life insurance, what is like?
• 25:05
  Speaker 2: Because it's a tool to build wealth, right?
• 25:07
  Speaker 3: So imagine if every black person, this is my one
• 25:10
  Speaker 3: thought process for life insurance. There's not enough black people
• 25:13
  Speaker 3: with life insurance. So we think about how the police
• 25:15
  Speaker 3: keep killing black people, right? If more black people had
• 25:18
  Speaker 3: life insurance, the police would be less likely to kill us.
• 25:22
  Speaker 3: There's just no repercussions for killing black people. They literally
• 25:25
  Speaker 3: have a license to kill black people. And your family
• 25:28
  Speaker 3: can't benefit from the death either because you don't have
• 25:30
  Speaker 3: life insurance. If more black people had life insurance, it
• 25:34
  Speaker 3: would probably be less police killings because the insurance company
• 25:37
  Speaker 3: is going to start suing the police departments if they
• 25:40
  Speaker 3: have to keep paying out on these loans. I'm sorry,
• 25:42
  Speaker 3: on these policies, paying out on the policies, not the loans.
• 25:47
  Speaker 2: It could make higher risk rating, so it might just
• 25:49
  Speaker 2: cost more for black people to get life insurance, right?
• 25:53
  Speaker 2: It costs more for us to live anyway. Yes, but
• 25:55
  Speaker 2: just to kind of touch on something that you said,
• 25:59
  Speaker 2: I think that we just don't prepare enough. or value
• 26:02
  Speaker 2: certain things in the right way. When we talk about
• 26:05
  Speaker 2: the difference between black people and other ethnicities, what they
• 26:12
  Speaker 2: do is they prepare, right? So there's common conversations in
• 26:16
  Speaker 2: a white household to have life insurance, to have short-term disability,
• 26:20
  Speaker 2: to make sure they have these different policies like cancer policies,
• 26:24
  Speaker 2: critical illness, just in case, right? Because the thing that
• 26:28
  Speaker 2: happens is something's going to happen to you, When it's
• 26:31
  Speaker 2: going to happen to you is what you don't know.
• 26:34
  Speaker 2: And how do you prepare to not ruin everything that
• 26:36
  Speaker 2: you built your whole life around? Your house, right? All
• 26:41
  Speaker 2: the savings that you may have saved didn't go on
• 26:44
  Speaker 2: vacations just to have this sitting here. How do you
• 26:46
  Speaker 2: protect yourself in that way? And we just don't do
• 26:49
  Speaker 2: a good job of that. We'll go buy $ 120 Jordans,
• 26:50
  Speaker 2: $ 250 Jordans, the new Yeezys on the drop for $ 400
• 26:51
  Speaker 2: on a resale, and a policy... like this, in the
• 26:58
  Speaker 2: right age range, it's about $ 20, $ 30 a month. We
• 27:03
  Speaker 2: just do not prepare in the right way. The way
• 27:06
  Speaker 2: we spend our money is not for the right things.
• 27:09
  Speaker 2: So when things do happen, we're ill-prepared.
• 27:12
  Speaker 1: So let me ask you this. To get a life
• 27:14
  Speaker 1: insurance policy, do you have to go get a physical
• 27:16
  Speaker 1: examination to see what your health is in order to
• 27:20
  Speaker 1: be eligible?
• 27:22
  Speaker 2: Well, that actually depends on the amount that you want.
• 27:27
  Speaker 2: It also depends on your health. So some policies are
• 27:32
  Speaker 2: guaranteed issue, which means you don't have to go through
• 27:36
  Speaker 2: a health exam. You just have to pass the underwriting
• 27:39
  Speaker 2: questions or whatever they may be. When you start getting
• 27:42
  Speaker 2: over a certain dollar amount, like $ 100, 000, then there become
• 27:45
  Speaker 2: more underwriting questions. And I know in our community we
• 27:49
  Speaker 2: like to say, I just got a little bit of diabetes,
• 27:51
  Speaker 2: a little bit of high blood.
• 27:52
  Speaker 1: Pressure, right?
• 27:53
  Speaker 2: But those are actually things that can knock you out.
• 27:55
  Speaker 2: Or put you in a clause, and that clause could
• 27:59
  Speaker 2: be two, three years, but God forbid you had a
• 28:01
  Speaker 2: heart attack in that two or three years.
• 28:04
  Speaker 1: Then you don't get shit.
• 28:05
  Speaker 2: You just get the money that you paid into it. Okay.
• 28:08
  Speaker 1: So that could be very small if you're saying it's
• 28:10
  Speaker 1: something like $ 20, $ 30 a month.
• 28:12
  Speaker 2: Yes.
• 28:13
  Speaker 1: You get a check for $ 300, $ 400.
• 28:15
  Speaker 2: Absolutely.
• 28:16
  Speaker 3: So how do you determine what type of life insurance
• 28:18
  Speaker 3: policy you need? So if I'm 38, right, no kids.
• 28:25
  Speaker 2: At my age, what type of policy would you suggest?
• 28:28
  Speaker 2: At your age, I absolutely suggest a whole life because
• 28:31
  Speaker 2: it's affordable for you. So the problem that happens is,
• 28:36
  Speaker 2: you know, a lot of individuals start looking at these
• 28:37
  Speaker 2: things at 50, wrong move. That's absolutely the wrong move.
• 28:42
  Speaker 2: Age is your benefit. And with younger age, you also
• 28:45
  Speaker 2: have better health. So you can get more coverage for cheaper.
• 28:53
  Speaker 2: So whole life for sure. And then you also have
• 28:57
  Speaker 2: to start thinking about what are you trying to cover
• 29:00
  Speaker 2: in the event that I'm not here. So if someone
• 29:02
  Speaker 2: is self-employed, has a business, you should start to stack policies.
• 29:08
  Speaker 2: And what I mean by stack policies, you should always
• 29:11
  Speaker 2: have a whole life policy as a base, but then
• 29:13
  Speaker 2: have a term life that's high limit over it. Right, okay.
• 29:18
  Speaker 1: So hold on, explain that in a way. So tell people,
• 29:20
  Speaker 1: what does a term life mean?
• 29:23
  Speaker 2: Sure.
• 29:23
  Speaker 1: Sure.
• 29:24
  Speaker 2: So let's go back. So a term life policy is
• 29:26
  Speaker 2: a life policy that expires after a certain amount of time.
• 29:30
  Speaker 2: So it's 10, 15, 20, 25 years, right? But with
• 29:36
  Speaker 2: those type of policies, they bet on your life expectancy.
• 29:39
  Speaker 2: So most people outlive those policies. So have you ever
• 29:42
  Speaker 2: seen where your grandparents, aunties say, I had this policy,
• 29:44
  Speaker 2: but it didn't pay out. And then they find out
• 29:47
  Speaker 2: it's a term life. It happened a lot in the
• 29:48
  Speaker 2: black community, right? So they had all this insurance and
• 29:52
  Speaker 2: then they let it sit there for 20, 30, 40 years.
• 29:56
  Speaker 2: So when they go to pass away and they come like, oh,
• 29:58
  Speaker 2: they have this policy. they realize it's only term life
• 30:01
  Speaker 2: and term life policies are cheap. It's more economical. So yes,
• 30:04
  Speaker 2: that's what people go for. However, they never understand the
• 30:08
  Speaker 2: fact that it's almost like a waste of money.
• 30:11
  Speaker 3: So they pay into this thing the whole time. And
• 30:13
  Speaker 3: then when you try to draw, there's nothing there. It
• 30:16
  Speaker 3: ends at a certain amount of time.
• 30:18
  Speaker 2: Okay. So you have to pull it out when it
• 30:20
  Speaker 2: ends or just, there's no value in a term life policy.
• 30:23
  Speaker 2: So what I was saying about stacking benefits, right? So
• 30:27
  Speaker 2: say you have a young family, you know, you need $ 500, 000,
• 30:33
  Speaker 2: you know, that you want to leave to your family
• 30:35
  Speaker 2: in the event that something happens between the age of
• 30:37
  Speaker 2: 30 to 55. You can still have a whole life
• 30:41
  Speaker 2: policy as a base in a certain amount, maybe say $ 100, 000.
• 30:44
  Speaker 2: But then you can get a higher level term life,
• 30:46
  Speaker 2: which is cheaper to carry for $ 500, 000. So saying that
• 30:50
  Speaker 2: in the event that I'm not here to take care
• 30:51
  Speaker 2: of my kid's schooling or I need this mortgage to
• 30:55
  Speaker 2: be paid off if I'm not here I don't want
• 30:56
  Speaker 2: to leave it on my wife that's what I mean
• 30:58
  Speaker 2: by stacking policies because it's going to expire but what
• 31:01
  Speaker 2: you want to do is be able to get in
• 31:03
  Speaker 2: the event that something happens in an age where you're
• 31:05
  Speaker 2: going to leave your family or a business you want
• 31:09
  Speaker 2: to have both.
• 31:12
  Speaker 1: Got it I'm confused as fuck so all right the
• 31:15
  Speaker 1: whole life policy Is the policy that you were saying
• 31:19
  Speaker 1: that you can pull out of and it's kind of
• 31:20
  Speaker 1: like almost like an investment?
• 31:22
  Speaker 2: It's an investment, yes.
• 31:23
  Speaker 1: Right, but then the term life is the one that
• 31:26
  Speaker 1: you would want to have just in case you die
• 31:28
  Speaker 1: within that period?
• 31:29
  Speaker 2: Yeah, so say like your example 30, we'll use this.
• 31:34
  Speaker 2: As we age, we know that you'd start to develop
• 31:36
  Speaker 2: health issues, right? So let's just say someone got diagnosed
• 31:40
  Speaker 2: with cancer at 45, right? They got two kids. One's
• 31:44
  Speaker 2: in college, one's in high school. They're married. have a
• 31:48
  Speaker 2: brand new home. Say this person doesn't make it through, right?
• 31:53
  Speaker 2: That term life is actually good in that sense because.
• 31:56
  Speaker 3: A $ 500, 000.
• 31:59
  Speaker 2: Policy is very expensive if it's a whole life. So
• 32:01
  Speaker 2: it becomes about what you can actually afford. Your whole life. Right.
• 32:05
  Speaker 2: So that's older.
• 32:06
  Speaker 3: The longer you live, it's good to have a whole
• 32:09
  Speaker 3: life insurance as opposed to terms.
• 32:12
  Speaker 2: Well, because it's shorter, right?
• 32:14
  Speaker 1: Right, but if you died at 45, was the whole
• 32:16
  Speaker 1: life necessary?
• 32:17
  Speaker 2: So let me explain. If you died at 45.
• 32:19
  Speaker 1: But it ain't that whole, it's a half.
• 32:24
  Speaker 2: No, guys, hold on, wait, hold on, hold on. Let
• 32:25
  Speaker 2: me explain, right? Let me explain, let me clarify really quick.
• 32:29
  Speaker 2: So what I'm saying is, like, you should always have
• 32:31
  Speaker 2: a whole life policy, right? That's your cash, that's your equity,
• 32:34
  Speaker 2: that's your asset. But to afford a 500K whole life
• 32:42
  Speaker 2: policy It's a few thousand a month. You have to
• 32:45
  Speaker 2: be in a certain tax bracket for that. Most average
• 32:49
  Speaker 2: folk cannot afford that, right? But what they can afford
• 32:52
  Speaker 2: maybe is $ 100, 000, $ 150, 000 whole life policy that they can
• 32:58
  Speaker 2: have there. But let's say they have a $ 300, 000 home, right?
• 33:03
  Speaker 2: And they pass away at 45. Somebody has to pay
• 33:05
  Speaker 2: that off still, right? So that's why you put that
• 33:09
  Speaker 2: term life on top because what it's doing is carrying
• 33:12
  Speaker 2: your bigger assets or debts, let me say it correctly,
• 33:16
  Speaker 2: debts that you may have to pay, right? If you
• 33:19
  Speaker 2: have medical expenses that need to be paid off in
• 33:22
  Speaker 2: a certain amount and you pass away within that time frame.
• 33:25
  Speaker 1: So if I die, knock on wood, my debt don't
• 33:28
  Speaker 1: die with me?
• 33:29
  Speaker 2: No, I care, bitch.
• 33:31
  Speaker 1: Come here so I can do it.
• 33:36
  Speaker 2: So for someone that's married, it doesn't. It goes to
• 33:40
  Speaker 2: the spouse. Someone that's single... It is what it is.
• 33:44
  Speaker 2: So that's why I said, especially when someone that's married
• 33:47
  Speaker 2: with kids, you definitely want to put something over that
• 33:49
  Speaker 2: because your spouse is now on the hook for everything
• 33:51
  Speaker 2: that happened to you. Right.
• 33:54
  Speaker 1: Damn, that's crazy. I didn't know that. I saw a
• 33:57
  Speaker 1: lady posting about a nigga who died and owed her $ 4, 000.
• 34:01
  Speaker 1: Did y'all see that? It was circulating like she was
• 34:04
  Speaker 1: mad about it. And I was.
• 34:06
  Speaker 2: Like, there's his estate. Shit. She couldn't put a lien
• 34:09
  Speaker 2: against his estate? No. If there's no... If there was
• 34:13
  Speaker 2: no document that said... What if they had a document? Nah,
• 34:16
  Speaker 2: this was street niggas.
• 34:17
  Speaker 1: She was like, give me some of that, go fund
• 34:19
  Speaker 1: me because I want my money back.
• 34:21
  Speaker 2: That's how it was. Well, girl, go get your money then,
• 34:23
  Speaker 2: but I am blood. Pay me back in blood.
• 34:26
  Speaker 3: In the beginning, we were talking about how life insurance
• 34:29
  Speaker 3: is not just for the dead.
• 34:30
  Speaker 2: So we talked about the investment portion of it.
• 34:33
  Speaker 3: What other benefits does life insurance provide.
• 34:37
  Speaker 2: For the living? You can also, again, you can also
• 34:40
  Speaker 2: borrow against it, right? Aside from that, yes. So those
• 34:44
  Speaker 2: are the two biggest leverages. It's just a financial tool
• 34:46
  Speaker 2: in general because when you think about, like, right now,
• 34:49
  Speaker 2: if you had to go borrow, go to the bank
• 34:52
  Speaker 2: to borrow $ 10, 000, you have to be at a certain
• 34:55
  Speaker 2: tax bracket or monthly income for that at a maybe 25%, 24%, 17%
• 35:00
  Speaker 2: interest rate. I mean, it almost becomes... a financial burden
• 35:10
  Speaker 2: to even do that, even if you needed the money. Right.
• 35:12
  Speaker 2: But say you had, you know, a life insurance, you
• 35:15
  Speaker 2: can borrow that money from it. And the interest that's
• 35:18
  Speaker 2: on it is like very minimal, like 0.01%. It doesn't
• 35:22
  Speaker 2: do anything. And every time you make a payment is
• 35:25
  Speaker 2: putting the money back into it. And it's something that
• 35:27
  Speaker 2: you're going to maintain naturally because you want to have it. Um,
• 35:30
  Speaker 2: so it's just a, it's a leverage tool in all ways. Um,
• 35:34
  Speaker 2: if you can afford it to have a whole life policy, um,
• 35:39
  Speaker 2: Just ask that backup. Do a lot with it.
• 35:42
  Speaker 1: So let's say it's a listener and they're like, I
• 35:44
  Speaker 1: wouldn't even know the first place to go to get
• 35:46
  Speaker 1: a life insurance policy. What would they need to do?
• 35:49
  Speaker 1: How would they go navigate that?
• 35:52
  Speaker 2: Man, well, it depends, right? Because everybody's of different health
• 35:57
  Speaker 2: and different means, like monetarily, right? So you should do
• 36:03
  Speaker 2: your research, right? Unfortunately, somebody that does have pre-existing conditions
• 36:08
  Speaker 2: just know you're about to pay more, right? What if
• 36:12
  Speaker 2: your health changes after you get the policy?
• 36:14
  Speaker 1: It doesn't matter?
• 36:15
  Speaker 2: That doesn't matter. Okay. But if you're coming in with
• 36:18
  Speaker 2: pre-existing conditions, you are absolutely going to pay more no
• 36:21
  Speaker 2: matter your age bracket. So say, for example, you're in
• 36:25
  Speaker 2: your 30s and you have pre-existing conditions. This person that's
• 36:29
  Speaker 2: healthy at 30 might pay $ 20, you might pay $ 60.
• 36:32
  Speaker 2: That's just how it goes, and typically that's going to
• 36:35
  Speaker 2: have a clause. So God forbid if you pass within
• 36:37
  Speaker 2: that clause, again, it's probably not going to be payable.
• 36:41
  Speaker 2: So you just have to do your research. Also, too,
• 36:44
  Speaker 2: you want to make sure that you know if you're
• 36:48
  Speaker 2: gone what you want to have paid off and what
• 36:50
  Speaker 2: you want to do with that money because then you
• 36:52
  Speaker 2: can say, I need this amount of money that I
• 36:54
  Speaker 2: want to leave to cover me if I'm not here.
• 36:57
  Speaker 3: I'm so grateful for my mom because she literally is
• 37:00
  Speaker 3: like one of them people. She got like a manila
• 37:02
  Speaker 3: folder with her policies, where the money at, how she wanted,
• 37:08
  Speaker 3: like she already got her plots, all that stuff. One
• 37:11
  Speaker 3: of my best friends just lost her mom. And her
• 37:14
  Speaker 3: and her sister are having to cover the cost of
• 37:16
  Speaker 3: her mom's funeral. Which, you know, in death, I don't
• 37:20
  Speaker 3: want to be a burden to anybody.
• 37:21
  Speaker 2: Nobody wants that burden. But, again, a lot of people
• 37:25
  Speaker 2: in our community are faced with that. And you see
• 37:26
  Speaker 2: GoFundMes and these different fundraisers, the church plates on the
• 37:30
  Speaker 2: corner because Bobby just died. And, again, it just goes
• 37:34
  Speaker 2: back to that we just don't spend our money in
• 37:36
  Speaker 2: the right way. You know, we'll go to the bar,
• 37:40
  Speaker 2: buy $ 100 worth of drinks, and still ain't got no
• 37:42
  Speaker 2: life insurance, you know, or health insurance for that matter.
• 37:45
  Speaker 1: What is death insurance? Because that's a thing too, right?
• 37:49
  Speaker 2: It's burial. Burial. funeral, burial insurance, which is still another
• 37:53
  Speaker 2: form of life insurance, but it just only goes up
• 37:58
  Speaker 2: to a certain amount, like $ 50, 000. And as you age,
• 38:01
  Speaker 2: that's the things that become only available for people if
• 38:05
  Speaker 2: they didn't get it when they were young. They will
• 38:06
  Speaker 2: only be able to get over a certain amount, maybe $ 40, 000,
• 38:09
  Speaker 2: $ 50, 000 at the max.
• 38:11
  Speaker 3: You know, I talked about, I wanted to, it's not
• 38:13
  Speaker 3: really a company, because I don't even know if it's
• 38:15
  Speaker 3: legal or not, but door-to-door, in the hood... Like, hey,
• 38:20
  Speaker 3: can I put life insurance on your son?
• 38:22
  Speaker 2: I'll pay the premium and bust it down the middle
• 38:24
  Speaker 2: when he dies.
• 38:26
  Speaker 1: You know what I'm saying? This bitch is out. But
• 38:32
  Speaker 1: I think the problem.
• 38:32
  Speaker 2: Would come in because this comes in families, right?
• 38:35
  Speaker 3: One person is paying a policy, and everybody wondering where
• 38:38
  Speaker 3: the money at when this person died. Did you help
• 38:40
  Speaker 3: pay that policy at all? Why are you concerned about
• 38:42
  Speaker 3: what they're doing with the money if you didn't help
• 38:43
  Speaker 3: pay the policy?
• 38:45
  Speaker 2: Correct, but I think that when people die, I think
• 38:53
  Speaker 2: it's just a poor feeling that people have in general
• 38:56
  Speaker 2: that you should get something now this person's not here.
• 39:00
  Speaker 3: Right, so I want to assure that the niggas in
• 39:03
  Speaker 3: the hood, kids are being taken care of. If somebody's
• 39:07
  Speaker 3: benefiting from your death, you're dying at 30 years old,
• 39:10
  Speaker 3: no life insurance, but you got all these kids out
• 39:11
  Speaker 3: here and then somebody has to GoFundMe or whatever, but
• 39:15
  Speaker 3: what if there was someone, I feel like white people
• 39:17
  Speaker 3: do that all the time. Remember those two old ladies
• 39:18
  Speaker 3: who were killing homeless men.
• 39:20
  Speaker 2: And collecting policies? Let me tell you why. I don't
• 39:23
  Speaker 2: want to kill them. I mean, Pookie going to do
• 39:25
  Speaker 2: what Pookie do. I think it was something on Netflix
• 39:27
  Speaker 2: about that, but let me tell you why that's illegal
• 39:29
  Speaker 2: because it's about insurable interest, right?
• 39:32
  Speaker 3: So, like, I don't know these niggas. Yeah, if you
• 39:35
  Speaker 3: don't know these niggas, then they be like, you don't
• 39:37
  Speaker 3: know these niggas, so you can't get this money.
• 39:39
  Speaker 2: But I paid into the policy. It doesn't matter. It's
• 39:43
  Speaker 2: all about insurable interest, right? So, let me give you
• 39:46
  Speaker 2: examples of people that you have insurable interest on. You
• 39:49
  Speaker 2: would have insurable interest on your mom. You're her daughter, right?
• 39:53
  Speaker 2: You and Tammy actually have insurable interest on each other
• 39:56
  Speaker 2: because you guys have a business together, right? Let me
• 40:00
  Speaker 2: tell you who you don't have insurable interest over. Nobody
• 40:03
  Speaker 2: else in here. Right, nobody else in here. This is
• 40:05
  Speaker 2: my friend. He signed it. He let me sign it up. Like,
• 40:09
  Speaker 2: why not? Watch your back there. He can do the policy.
• 40:13
  Speaker 2: He can do the policy and leave you as a beneficiary,
• 40:16
  Speaker 2: but you cannot sign him up for a policy. It's illegal.
• 40:20
  Speaker 2: It's all about insurable interest. With him knowing I can
• 40:22
  Speaker 2: do it, right? No? No. It's all about insurable interest.
• 40:26
  Speaker 1: So what about these record labels? There's all these stories
• 40:29
  Speaker 1: about record labels. That's insurable interest. The Gucci Man story, right?
• 40:33
  Speaker 3: Yeah.
• 40:34
  Speaker 2: And they said there was a life policy somewhere of
• 40:36
  Speaker 2: a certain amount and everybody was mad. The reason why
• 40:39
  Speaker 2: he could do that... Or Young Dolph. Yeah. Or even
• 40:41
  Speaker 2: Young Dolph, right? But the reason why Gucci Man could
• 40:44
  Speaker 2: do that, because again, it goes back to the conversation
• 40:46
  Speaker 2: we were just having, is insurable interest. Now I have,
• 40:49
  Speaker 2: this artist is underneath me. I have invested in this person.
• 40:52
  Speaker 2: This person is now my business. So if all the
• 40:56
  Speaker 2: money I invested in this person, this person shall pass
• 40:58
  Speaker 2: away before I recoup my advances, then, you know.
• 41:03
  Speaker 1: But wouldn't it be like a scheme to, you know,
• 41:06
  Speaker 1: get these rappers who have like a dark sound and
• 41:11
  Speaker 1: get insurance policy on them, put their music out for
• 41:15
  Speaker 1: a year, And then get them killed so you can
• 41:17
  Speaker 1: get insurance for the money.
• 41:19
  Speaker 2: I mean, it could be, but I'm not thinking that far.
• 41:23
  Speaker 2: But if we're going to be honest- You know who
• 41:27
  Speaker 2: is thinking that far?
• 41:29
  Speaker 3: These motherfuckers right here. They way more cerebral than us.
• 41:32
  Speaker 3: So anything they do, they really use in their mind.
• 41:35
  Speaker 2: Okay?
• 41:38
  Speaker 3: When Aaliyah died, they said her uncle had some crazy-ass
• 41:41
  Speaker 3: policy on her when she died on that plane.
• 41:43
  Speaker 2: Because she's a business. Because, again, these artists become a business, right?
• 41:50
  Speaker 2: And so that's how Gucci Mane, I don't know the
• 41:53
  Speaker 2: boy's name that just died, I can't remember. He was
• 41:55
  Speaker 2: able to do that because this person is now a
• 41:59
  Speaker 2: business for him. But is it written into their contracts,
• 42:02
  Speaker 2: you think, that they may not know? Absolutely.
• 42:04
  Speaker 3: Yes.
• 42:05
  Speaker 2: Yes.
• 42:06
  Speaker 3: So, okay, so if it's insurable interest and you can
• 42:08
  Speaker 3: write it into a contract.
• 42:11
  Speaker 2: Without the person knowing. They have to have lawyers to
• 42:14
  Speaker 2: vet these things. And if you're signing something without vetting it,
• 42:17
  Speaker 2: and again, it makes sense. If I just invested $ 100, 000
• 42:20
  Speaker 2: in you. And you die. And you die, I'm going
• 42:24
  Speaker 2: with wherever that debt comes from. Like, I'm still responsible
• 42:27
  Speaker 2: for it. So, yes, I should have something that protects
• 42:30
  Speaker 2: me in that event. It makes sense. Yeah, absolutely, it does.
• 42:34
  Speaker 1: Yeah, it makes sense.
• 42:34
  Speaker 2: It does. But it's just crazy how... I can see
• 42:37
  Speaker 2: how it could be a scam, though. Exactly. And one
• 42:39
  Speaker 2: record label in particular, which people say it's not a
• 42:42
  Speaker 2: record label, it's just they have partnerships with these people.
• 42:45
  Speaker 3: But Empire Records is one of those places where there's
• 42:49
  Speaker 3: been so many different artists that have passed away.
• 42:51
  Speaker 2: Who's on Empire Records? I don't know.
• 42:54
  Speaker 3: Dolph was on there. Temptation. A few of them that
• 43:00
  Speaker 3: have passed away were all... So it's supposedly a distribution company,
• 43:05
  Speaker 3: but they also have record deals with people.
• 43:08
  Speaker 2: Right. Right. So I'm giving you upfront money, right? And
• 43:13
  Speaker 2: something happens to you.
• 43:14
  Speaker 3: My life insurance policy on you is bigger than the
• 43:16
  Speaker 3: money I gave you.
• 43:18
  Speaker 2: Why not get you the fuck out of here? Because
• 43:19
  Speaker 2: you got to think, like, they also... Yes, I gave
• 43:23
  Speaker 2: you this amount, but I have to make a certain
• 43:25
  Speaker 2: amount back, right? So they didn't just give these people money.
• 43:28
  Speaker 2: They always gave them the money with the intent of
• 43:30
  Speaker 2: making a certain amount. So I'm sure those policies match
• 43:34
  Speaker 2: whatever they said they were supposed to make back or
• 43:38
  Speaker 2: expected to make back if things went well. So, again,
• 43:42
  Speaker 2: it makes sense.
• 43:43
  Speaker 1: But I spent $ 100, 000, but I expect to make a million.
• 43:48
  Speaker 2: Ain't that how it go? Yeah. And you didn't make
• 43:50
  Speaker 2: me a million, so let me go ahead and.
• 43:52
  Speaker 1: Get you up out of here.
• 43:53
  Speaker 2: I mean, you know, I hate to say it like that,
• 43:55
  Speaker 2: but sorry that somebody passed away, but there's still expectations
• 43:59
  Speaker 2: on the other side of that. Unfortunately. Yeah.
• 44:07
  Speaker 1: Can we get into health insurance?
• 44:09
  Speaker 2: Yes, please go on, because I pay $ 7 a month.
• 44:12
  Speaker 2: And don't be hating. I want to talk about Obamacare. Yeah. Seven.
• 44:18
  Speaker 1: Obamacare. So there were a lot of people upset when
• 44:20
  Speaker 1: Obamacare came out and they felt like it was a
• 44:24
  Speaker 1: problem for our American economy for that to happen. What
• 44:28
  Speaker 1: are your thoughts on Affordable Health Care Act?
• 44:31
  Speaker 2: I think it's a great thing. Because if you guys remember,
• 44:35
  Speaker 2: some of you guys remember a little bit over 10
• 44:39
  Speaker 2: years ago, if you had pre-existing conditions, you didn't qualify
• 44:42
  Speaker 2: for health insurance, right? So all these people with chronic
• 44:45
  Speaker 2: illnesses like MS, you know, for example, or lupus, God
• 44:49
  Speaker 2: forbid you got diagnosed with cancer. You were now uninsurable
• 44:52
  Speaker 2: for healthcare. Right. That's the biggest deal about the affordable
• 44:55
  Speaker 2: care act. It gave the opportunity for individuals to have
• 45:00
  Speaker 2: insurance that actually needed the care. Yeah. Um, you know,
• 45:04
  Speaker 2: unfortunately my mom, she passed away before there was anything
• 45:07
  Speaker 2: like that. And she had a heart condition. She did
• 45:08
  Speaker 2: not qualify for health insurance. So everything was out of pocket. Um,
• 45:13
  Speaker 2: So being in that type of situation and seeing firsthand
• 45:18
  Speaker 2: somebody who could have benefited from that, because she couldn't
• 45:22
  Speaker 2: even afford a prescription. They were like $ 100 a month,
• 45:24
  Speaker 2: you know, or more. With four kids. Four kids. Yeah.
• 45:28
  Speaker 2: That's unfortunate.
• 45:29
  Speaker 3: Yeah, I mean, I agree that most countries, you know,
• 45:33
  Speaker 3: people act like America is just such this great place.
• 45:35
  Speaker 2: Mm-hmm.
• 45:36
  Speaker 3: You know, in other countries, you got 18-year-olds that ride
• 45:39
  Speaker 3: around in Lambos. That's just regular day-to-day business for them.
• 45:42
  Speaker 3: America is not that fucking great. We do not have
• 45:44
  Speaker 3: universal health care. We do have ObamaCare now. It's called
• 45:49
  Speaker 3: the Affordable Care Act. The Affordable Care Act. The only
• 45:51
  Speaker 3: thing I didn't like about the Affordable Care Act is
• 45:53
  Speaker 3: where you were penalized for not having insurance on your taxes.
• 45:58
  Speaker 2: Like, you had to file... Because it was forcing people
• 46:00
  Speaker 2: to do something for themselves. And the reason why is...
• 46:05
  Speaker 2: preventative health, some of those plans were not affordable. Now
• 46:10
  Speaker 2: it's not affordable, right? But go ahead and thank your
• 46:14
  Speaker 2: former president for that. He broke a tax law. And
• 46:18
  Speaker 2: so the insurance companies, because they're having a higher risk
• 46:22
  Speaker 2: rate and they have to up the money, where are
• 46:24
  Speaker 2: they getting it from? Because now they have to insure
• 46:26
  Speaker 2: these people. Before they would just deny them. No cancer
• 46:29
  Speaker 2: treatment for you, right? So they still have to recoup
• 46:32
  Speaker 2: the money for spending on all these people that have
• 46:34
  Speaker 2: different conditions. You know, a lot of our people have diabetes, right?
• 46:38
  Speaker 2: That's a very expensive disease. And they have to cover
• 46:41
  Speaker 2: these people when they did not have to do that. So,
• 46:44
  Speaker 2: I mean, it makes sense. But, you know, even I'll
• 46:48
  Speaker 2: give an example of my father, right? He was under
• 46:51
  Speaker 2: the ACA. His job didn't have.
• 46:54
  Speaker 1: Insurance.
• 46:55
  Speaker 2: And anyway, he went into the hospital for AFib or whatever.
• 46:59
  Speaker 2: His deductible was $ 2, 500. He hit the deductible, but the
• 47:02
  Speaker 2: bill was almost $ 40, 000. only thing he was required to
• 47:05
  Speaker 2: pay was a $ 2, 500 deductible. It has a benefit. And
• 47:08
  Speaker 2: everything after that was paid for 100% underneath the Affordable
• 47:12
  Speaker 2: Care Act. So absolutely it's great, right? Because the number
• 47:16
  Speaker 2: one debt that most of us carry is a medical debt.
• 47:19
  Speaker 2: It's not from credit cards. It's not from car notes.
• 47:21
  Speaker 2: It's not from homes or student loans. It's actually medical debt.
• 47:25
  Speaker 2: So this is helping people not get into medical debt.
• 47:28
  Speaker 3: I feel like as a whole, it's medical tyranny anyway.
• 47:30
  Speaker 3: It's just like, The doctor's office, the hospitals are overcharging
• 47:35
  Speaker 3: insurance companies, so that's driving.
• 47:37
  Speaker 2: Rates up and stuff like that.
• 47:39
  Speaker 3: The amount you pay for health care in America, just
• 47:42
  Speaker 3: like a simple procedure, you can go to another country
• 47:44
  Speaker 3: and get the same procedure half the price.
• 47:46
  Speaker 2: But will it be quality of care?
• 47:47
  Speaker 1: Yeah, some places. And I'll speak to that. I'll speak
• 47:49
  Speaker 1: to that because when I was living in England is
• 47:52
  Speaker 1: when I got diagnosed with my MS, and I was
• 47:55
  Speaker 1: in the hospital there for two weeks, and it's free.
• 47:58
  Speaker 2: But baby.
• 47:59
  Speaker 1: That shit felt every bit of free. I was ready
• 48:02
  Speaker 1: to come home and just take my chances there because
• 48:05
  Speaker 1: they was feeding me the Rice Krispie Treat cereal in
• 48:07
  Speaker 1: the morning, but no rice.
• 48:08
  Speaker 2: It wasn't the treats. It was just the little rice. Bitch,
• 48:12
  Speaker 2: I was like, get me the fuck out of here.
• 48:14
  Speaker 1: It was a dry.
• 48:14
  Speaker 2: It was a dry.
• 48:15
  Speaker 1: It was just like the dry little rice pieces with
• 48:17
  Speaker 1: like some water milk.
• 48:19
  Speaker 2: I was like, is this breakfast? Is there no eggs
• 48:22
  Speaker 2: and bacon in this motherfucker? Like, is it? And then
• 48:24
  Speaker 2: it was like literally six of us.
• 48:27
  Speaker 1: Hmm. Six beds lined up on one side and six
• 48:30
  Speaker 1: beds lined up on the other side. And we're all
• 48:32
  Speaker 1: in the same room.
• 48:34
  Speaker 2: That sounds like tuberculosis to me.
• 48:36
  Speaker 1: All in the same room. And there was a woman
• 48:40
  Speaker 1: across from me. It was an old white lady. And
• 48:42
  Speaker 1: she said her name was Ms.
• 48:44
  Speaker 2: Schoen.
• 48:44
  Speaker 1: And I was Ms. Bowen. So every now and then
• 48:46
  Speaker 1: when they were coming in and hollering at people, she
• 48:48
  Speaker 1: would be screaming for my medication. And I'd be like, bitch,
• 48:51
  Speaker 1: that's my meds.
• 48:52
  Speaker 2: Stop. She's like, I'm the white one.
• 48:54
  Speaker 1: She kept saying that she was the white one. And
• 48:58
  Speaker 1: then people would be in there moaning all night. It
• 49:00
  Speaker 1: was just a miserable experience. And I think it's because
• 49:03
  Speaker 1: it's free. So we got to find a balance, you know.
• 49:07
  Speaker 2: I think, you know, from a professional lens, I think
• 49:10
  Speaker 2: there is a balance. I think people just make poor
• 49:13
  Speaker 2: choices with the health insurance that they choose, right? So, like,
• 49:17
  Speaker 2: it's confusing. Right. and I think it's meant to be
• 49:20
  Speaker 2: sometimes yes no think about what you need right think
• 49:25
  Speaker 2: think about where you are with your health with if
• 49:29
  Speaker 2: something happens to you what you were comfortable paying for
• 49:32
  Speaker 2: like really think about it before you go just sign
• 49:34
  Speaker 2: up for a plan because it's seven dollars Because, you know, like,
• 49:41
  Speaker 2: I know that's typically the bottom level bronze plan.
• 49:44
  Speaker 3: It got a $ 10, 000 deductible. Can you really afford to
• 49:49
  Speaker 3: pay that if something happens?
• 49:50
  Speaker 2: No. And $ 10, 000 is a long way.
• 49:53
  Speaker 1: It's like, what if?
• 49:54
  Speaker 2: Yeah, you listen, you pay for your car insurance each
• 49:57
  Speaker 2: month for years on a what if. You don't question it.
• 50:00
  Speaker 2: It's the same thing. Can you not.
• 50:03
  Speaker 3: Okay, just like anything else, any other debt, I feel
• 50:05
  Speaker 3: like everything in life is negotiable, right?
• 50:07
  Speaker 2: So, yes, I go to the doctor. I get this
• 50:09
  Speaker 2: crazy-ass bill.
• 50:10
  Speaker 3: I can't call and negotiate this debt with the insurance company.
• 50:13
  Speaker 3: I mean, not an insurance company, but with the hospital
• 50:15
  Speaker 3: because I know they literally, I know, I have some
• 50:18
  Speaker 3: MD friends, right? And they tell me they overcharge. And
• 50:20
  Speaker 3: then they negotiate it with the insurance company. They do,
• 50:23
  Speaker 3: but then that's... So why I can't do it as
• 50:24
  Speaker 3: pay-it-out-of-pocket type person?
• 50:25
  Speaker 2: But that's on you. Like, so, for example, I did
• 50:28
  Speaker 2: that before, you know, where my insurance was not worth
• 50:32
  Speaker 2: me filing it because I would pay more money. Like
• 50:35
  Speaker 2: I could pay $ 50 every time I went, or I
• 50:37
  Speaker 2: could pay a battery test and it cost me $ 700
• 50:41
  Speaker 2: underneath my insurance. Sometimes you just got to ask more questions, right?
• 50:45
  Speaker 2: You know, it's not always beneficial to file certain things
• 50:49
  Speaker 2: underneath your health insurance if you have the cash to
• 50:52
  Speaker 2: pay for it, right? But you also, again, going back
• 50:57
  Speaker 2: to what I'm saying, instead of taking the cheap route,
• 51:00
  Speaker 2: get you a quality plan that may cost you a
• 51:03
  Speaker 2: little bit more money. And, you know, yes, you might
• 51:06
  Speaker 2: have a $ 1, 000, $ 2, 000 deductible, but that'll go quick. You
• 51:10
  Speaker 2: don't want to be in a money pit of something
• 51:13
  Speaker 2: that a $ 10, 000 deductible, God forbid, that's surgeries, that's days
• 51:16
  Speaker 2: in the hospital, you know, that's prescriptions, and you still
• 51:19
  Speaker 2: might not hit it, and you got to start over
• 51:21
  Speaker 2: each year on that. It's just not worth it. So
• 51:23
  Speaker 2: you should always think about that, weigh in, the benefits
• 51:30
  Speaker 2: of paying a little bit more, but paying a little
• 51:32
  Speaker 2: bit less on the back end. And I think that's
• 51:34
  Speaker 2: where people mess up.
• 51:35
  Speaker 1: What is supplemental insurance?
• 51:38
  Speaker 2: Supplemental insurance is everything else is what I call it.
• 51:41
  Speaker 2: It's all your living benefits, right? So it's things that
• 51:45
  Speaker 2: pay you while you're here. So it's more of like,
• 51:48
  Speaker 2: you know, God forbid you got diagnosed with a major condition. Say,
• 51:52
  Speaker 2: for example, you had a heart attack, you know, it
• 51:55
  Speaker 2: might pay $ 20, 000, $ 30, 000 to you directly. And most of
• 51:58
  Speaker 2: these people, they're eventually going to go back to work, right?
• 52:01
  Speaker 2: But it helps cover medical expenses. It can go towards mortgages, rents,
• 52:06
  Speaker 2: your daily expenses until you're able to go back. A
• 52:09
  Speaker 2: lot of people that, you know, have things happen, do
• 52:13
  Speaker 2: not have the appropriate savings to cover themselves.
• 52:16
  Speaker 1: So that AFLAC insurance policy that you got me to get,
• 52:20
  Speaker 1: is that a form of supplemental insurance?
• 52:21
  Speaker 2: It is a form of supplemental insurance. They have different types.
• 52:24
  Speaker 2: So They have accidental coverage, which will cover somebody if
• 52:29
  Speaker 2: they're injured on or off the job. Typically, those coverages
• 52:32
  Speaker 2: also have an accidental death benefit in it as well.
• 52:35
  Speaker 2: So if someone died from an injury, that money is
• 52:38
  Speaker 2: built into that type of policy. They got cancer coverages,
• 52:42
  Speaker 2: so God forbid someone got diagnosed with cancer, you can
• 52:45
  Speaker 2: be paid out for the treatments, for being diagnosed, everything
• 52:49
  Speaker 2: like that.
• 52:50
  Speaker 1: So cancer coverage, you would get that.
• 52:52
  Speaker 2: After you get cancer? Yes. Remember that pre-existing condition conversation?
• 52:55
  Speaker 1: Because it's weird to be like, hey, I'm going to
• 52:57
  Speaker 1: get cancer coverage just in case.
• 52:58
  Speaker 2: That's kind of weird. Why does that even exist in America?
• 53:01
  Speaker 2: In what way? I understand why. Okay.
• 53:03
  Speaker 3: So I understand why it exists because obviously people get cancer, right?
• 53:07
  Speaker 3: But could you imagine them creating these cancers to then
• 53:11
  Speaker 3: have to get insurance for it? It's just really weird.
• 53:14
  Speaker 2: You don't have to, but if you're smart, you would.
• 53:17
  Speaker 2: So you feel like all of us should just have
• 53:19
  Speaker 2: a cancer coverage? Absolutely. I have one. I don't have
• 53:22
  Speaker 2: cancer history in my family. But being in the field
• 53:24
  Speaker 2: that I am, I'm telling you guys, it's simple as
• 53:28
  Speaker 2: I went to the doctor to go get my regular mammogram.
• 53:32
  Speaker 2: You're doing something that you would have done every time.
• 53:34
  Speaker 2: They're like, oh, we see something here. You need to
• 53:37
  Speaker 2: get into other testing. You get diagnosed that quick. You're
• 53:41
  Speaker 2: not thinking of it. Somebody that had a heart attack
• 53:45
  Speaker 2: did not think they was going to have a heart
• 53:46
  Speaker 2: attack in the day that they had a heart attack. Yeah.
• 53:49
  Speaker 2: you don't know what's going to happen to you. That's
• 53:51
  Speaker 2: why I call it insurance.
• 53:52
  Speaker 3: That's manifesting some bullshit. I don't want it. Or it's
• 53:56
  Speaker 3: being preventative.
• 53:57
  Speaker 2: Preparing, yeah. And it's preparing yourself for whatever may come
• 53:59
  Speaker 2: your way. Right. Because something's coming. We just don't know
• 54:03
  Speaker 2: what it is. Bitch, I'm about to be vegan. I'm
• 54:05
  Speaker 2: on my way there. You don't know where it is
• 54:08
  Speaker 2: because there's.
• 54:09
  Speaker 3: It's the food that's causing people to have all this cancer.
• 54:11
  Speaker 3: We can say that, but then you can think about
• 54:13
  Speaker 3: all the buildings that had asbestos in them that we
• 54:14
  Speaker 3: were in.
• 54:15
  Speaker 2: Asbestos. I can't say it, but that... You know, I
• 54:21
  Speaker 2: went to, you know, the university I went to had, you.
• 54:24
  Speaker 3: Know, the classrooms with the bestest in it.
• 54:30
  Speaker 2: And guess what? They wouldn't cut on the AC, but
• 54:31
  Speaker 2: we were still in those classrooms. And, you know, that's
• 54:34
  Speaker 2: a major cause of cancer. Well, then you should be
• 54:36
  Speaker 2: able to sue the school. Probably, but I don't want
• 54:38
  Speaker 2: to have.
• 54:38
  Speaker 1: But how are you going to prove?
• 54:39
  Speaker 2: How are you going to prove that's what you got? Yeah,
• 54:40
  Speaker 2: class action is good and everything, but I got to
• 54:42
  Speaker 2: get through this cancer treatment, hopefully, to make it to
• 54:44
  Speaker 2: the class action suit. You know, like. This life is
• 54:48
  Speaker 2: fucking stressful. It is, but it's just being preventative. And
• 54:54
  Speaker 2: to be quite honest, the more I'm in this business,
• 54:58
  Speaker 2: the younger people are getting diagnosed. 30s, 30s, 20s, passing away.
• 55:04
  Speaker 2: This year alone, I know so many people. And I
• 55:06
  Speaker 2: don't know if, I don't know. Is it normal?
• 55:09
  Speaker 3: Because we are getting old, right? But I just feel
• 55:11
  Speaker 3: like dying in your 40s is fucking weird. How many
• 55:15
  Speaker 3: people are dropping dead from strokes, heart attacks?
• 55:18
  Speaker 2: Well, they say we live differently than our parents did.
• 55:21
  Speaker 2: So we actually do more at risk. We don't walk enough.
• 55:23
  Speaker 1: We're probably under more stress.
• 55:24
  Speaker 2: We do more at risk behaviors as well. Yep. Than
• 55:29
  Speaker 2: our parents did. Who would have thought that?
• 55:32
  Speaker 3: I can't believe that that was smoking crack. Yeah, but
• 55:36
  Speaker 3: crack really didn't kill people. I know a lot of
• 55:39
  Speaker 3: crackheads died of just cancer. They just ended up with
• 55:41
  Speaker 3: cancer or something later on, but crack really didn't kill them. No,
• 55:45
  Speaker 3: it wasn't. So, yeah, we're at more risk. Now, meth,
• 55:49
  Speaker 3: your ass ain't living past 30, dog. Whatever age you start,
• 55:52
  Speaker 3: you're going to be dead in a few years. I
• 55:53
  Speaker 3: don't even know what that calls, but I don't want
• 55:55
  Speaker 3: none of that. They start turning into a zombie after
• 55:57
  Speaker 3: six months. If you go Google before and after meth,
• 56:01
  Speaker 3: I remember I looked at this lady. They had some
• 56:04
  Speaker 3: pictures like this thing right here. All her.
• 56:08
  Speaker 2: Progression.
• 56:10
  Speaker 3: This shit is fucking wild. Six months, you just start
• 56:12
  Speaker 3: looking like somebody else.
• 56:13
  Speaker 1: Somebody different. It's a sad thing.
• 56:15
  Speaker 2: Well, it got a lot of chemicals in it. What's
• 56:18
  Speaker 2: HMO versus PPO?
• 56:20
  Speaker 1: HMO.
• 56:22
  Speaker 2: Plans require you to stay in network, so everywhere that
• 56:27
  Speaker 2: you go it has to be referred. So typically your
• 56:29
  Speaker 2: referral comes from your primary care physician, and then they'll
• 56:32
  Speaker 2: refer you if you need to go see whatever specialist
• 56:34
  Speaker 2: or testing. It's referral-based. But typically that's a cheaper plan
• 56:41
  Speaker 2: because you don't have as much freedom just to go
• 56:44
  Speaker 2: where you want to go, but it's still a good plan.
• 56:46
  Speaker 1: And then PPO is a good one.
• 56:49
  Speaker 2: It gives you freedom of choice if you want to
• 56:51
  Speaker 2: go in. Yes, typically. It lets you go in-network, out-of-network,
• 56:58
  Speaker 2: on your own whim. But typically when you go out-of-network,
• 57:01
  Speaker 2: still you're going to pay more money, but it just
• 57:03
  Speaker 2: gives you freedom of choice. So say there's a place
• 57:06
  Speaker 2: that you want to go that may not be in
• 57:07
  Speaker 2: your state or whatever, it just gives you freedom of
• 57:09
  Speaker 2: choice for the care that you want.
• 57:12
  Speaker 1: I feel like low-key sad right now. Why?
• 57:15
  Speaker 2: Why, Mitch? I don't know.
• 57:17
  Speaker 1: I guess it just makes you aware.
• 57:19
  Speaker 2: This is important, though.
• 57:19
  Speaker 1: I mean, it's important, but it just makes you so
• 57:21
  Speaker 1: aware of your own mortality when you think about these things.
• 57:24
  Speaker 2: Or if you think about it the right way, it
• 57:26
  Speaker 2: makes you want to be as preventative as possible. You know,
• 57:31
  Speaker 2: for me, I'm so comfortable with this conversation because I
• 57:35
  Speaker 2: know at this point that I have what I need
• 57:38
  Speaker 2: if something happens to me. I'm not a debt or
• 57:41
  Speaker 2: a burden to anybody else, whether I'm here or not here.
• 57:45
  Speaker 2: And that makes me feel good. It makes me feel
• 57:47
  Speaker 2: like I did something right. And I did something that
• 57:49
  Speaker 2: my parents didn't do, right? And, you know, that's the
• 57:53
  Speaker 2: enjoyable part about being in this field. When someone walks
• 57:56
  Speaker 2: away and say, you made me this so easy, you know.
• 58:00
  Speaker 2: I was just so scared of insurance. I was so
• 58:03
  Speaker 2: scared of this conversation. And you made it so easy.
• 58:06
  Speaker 2: That's the joyful part of it.
• 58:08
  Speaker 1: So with that being said, how can people, like, who's listening, like,
• 58:11
  Speaker 1: reach out to you? Like, they need a liaison. They
• 58:13
  Speaker 1: need someone to get information from. How can they contact.
• 58:16
  Speaker 2: You so you can help them further? Sure. Reach out
• 58:19
  Speaker 2: to me on my IG, Shawnee Rocket, S-H-A-W-N-I-E-R-O-C-K-E-T. DM me.
• 58:27
  Speaker 2: I'm always open to answer your questions if you have concerns.
• 58:31
  Speaker 2: I'm also licensed in 35 states. I can help you
• 58:33
  Speaker 2: just about wherever you are, even if it's just simple questions, right?
• 58:38
  Speaker 2: Help you or your family navigate wherever you guys are
• 58:41
  Speaker 2: trying to go. The biggest takeaway I want you guys
• 58:44
  Speaker 2: to have is just be prepared, right? We spend money
• 58:48
  Speaker 2: in all kinds of ways. We travel as much as
• 58:50
  Speaker 2: we want to. And take $ 100 a month and just
• 58:54
  Speaker 2: break it up and get you a few extra policies.
• 58:57
  Speaker 1: So, hold on.
• 58:58
  Speaker 2: You can get a few policies with $ 100?
• 59:00
  Speaker 1: Yeah.
• 59:01
  Speaker 2: I got a cancer policy, an accidental policy, a critical
• 59:05
  Speaker 2: illness policy, and I pay about 98 a month.
• 59:08
  Speaker 1: See that's not yeah that's.
• 59:10
  Speaker 3: Affordable yeah i'm tripping well insurance isn't is insurance however
• 59:15
  Speaker 3: there are better companies than other on paying on their
• 59:18
  Speaker 3: insurances um so like you always want to go with
• 59:21
  Speaker 3: something that's reputable so i'm licensed with affleck so that's
• 59:24
  Speaker 3: who i um.
• 59:27
  Speaker 1: That's all she's going to say because that's who paid
• 59:29
  Speaker 1: her check, so don't ask her about nobody.
• 59:30
  Speaker 2: Well, yeah, Aflac, that's a good one. But, you know,
• 59:33
  Speaker 2: a lot of people in Georgia have it because their
• 59:35
  Speaker 2: home office is here. So it's very common in this
• 59:38
  Speaker 2: state for Aflac, right? But there's other brands, like if
• 59:41
  Speaker 2: you're looking for life insurance, like MetLife, they're very reputable.
• 59:44
  Speaker 2: You'd be surprised that State Farm is very competitive on
• 59:46
  Speaker 2: life insurance as well. That's where I got mine from, right?
• 59:49
  Speaker 2: So just do your research, right? And that's what I say.
• 59:51
  Speaker 2: And there also are exchanges, right? where they'll be brokers
• 59:57
  Speaker 2: for multiple carriers. Between the same ones, yeah. Yeah, so
• 59:59
  Speaker 2: you can kind of shop around. I feel like they're
• 1:00:01
  Speaker 2: all the same.
• 1:00:02
  Speaker 3: Because even with the car insurance, like you go through
• 1:00:04
  Speaker 3: one company. Like I went through, I had Geico, but
• 1:00:07
  Speaker 3: somehow I was talking to Progressive. Geico is like a broker, basically.
• 1:00:13
  Speaker 3: They're a broker, yeah.
• 1:00:15
  Speaker 2: Girl, you done told me something, because I ain't.
• 1:00:18
  Speaker 1: Know. I didn't know that.
• 1:00:21
  Speaker 2: Yeah, well, State Farm always runs on its own, though.
• 1:00:24
  Speaker 2: They just work differently. But they actually got, like, life
• 1:00:27
  Speaker 2: insurance and stuff, like, competitive rates, good policies. Like, I
• 1:00:33
  Speaker 2: thought I was going to go with MetLife, and I
• 1:00:34
  Speaker 2: called State Farm, and I was, like, just talking to them, like, oh,
• 1:00:36
  Speaker 2: we got life insurance. I was like, oh, you do?
• 1:00:39
  Speaker 2: And come to find out it was actually cheaper than MetLife.
• 1:00:41
  Speaker 1: I wonder if we can get a State Farm discount
• 1:00:43
  Speaker 1: since we be doing commercials for that. Right.
• 1:00:45
  Speaker 2: Period. The discount is your age, baby.
• 1:00:49
  Speaker 1: The discount is your age.
• 1:00:50
  Speaker 2: So start now. especially if you're younger, get it, get it. Yes, please.
• 1:00:54
  Speaker 2: This is the message. If you're young, if you're healthy,
• 1:00:57
  Speaker 2: don't wait, do not wait. This is absolutely the best
• 1:01:00
  Speaker 2: time to do it. And thank me later.
• 1:01:03
  Speaker 1: Period.
• 1:01:03
  Speaker 2: Y'all so hurry up.
• 1:01:05
  Speaker 1: Hold on.
• 1:01:05
  Speaker 2: So we talked about that. That was good information.
• 1:01:09
  Speaker 1: I'm sure people really enjoyed this episode because they got,
• 1:01:11
  Speaker 1: you dropped some jewels for them. And for me, I
• 1:01:13
  Speaker 1: need to add some more policies.
• 1:01:14
  Speaker 2: To I have a few.
• 1:01:15
  Speaker 1: Let me tell y'all, when I bought that policy from her,
• 1:01:17
  Speaker 1: I just bought it on like.
• 1:01:19
  Speaker 2: I was like, I need one more sale to make
• 1:01:21
  Speaker 2: this money. She's like, I got you. It really wasn't
• 1:01:25
  Speaker 2: even about my health. I've been paying in it for
• 1:01:28
  Speaker 2: years now. About three or four years now.
• 1:01:31
  Speaker 1: But I mean, now I feel like I need to
• 1:01:33
  Speaker 1: add more after that information. I know it's going to
• 1:01:36
  Speaker 1: be probably more... It's probably going to be double for me.
• 1:01:39
  Speaker 1: With me having a pre-existing condition, it might be a
• 1:01:41
  Speaker 1: little bit more.
• 1:01:43
  Speaker 2: Sometimes, but It depends on the underwriting, right? And that
• 1:01:47
  Speaker 2: sometimes means why I say you got to do your
• 1:01:49
  Speaker 2: research because some policies may ask a question that another
• 1:01:52
  Speaker 2: one won't, right? So, you know, I know how to navigate. Like,
• 1:01:57
  Speaker 2: I wouldn't put somebody in a policy for $ 20, 000 and
• 1:02:00
  Speaker 2: I know they ask, did you just take chemotherapy? But
• 1:02:02
  Speaker 2: I know I got this other one for $ 10, 000 that
• 1:02:05
  Speaker 2: don't ask, right?
• 1:02:07
  Speaker 1: Well, I'm going to get with you so you can
• 1:02:09
  Speaker 1: hook it up. You know, we're going to get it together.
• 1:02:11
  Speaker 1: But this episode would not be right. We didn't get
• 1:02:15
  Speaker 1: a dumb bitch story from you. You know we got
• 1:02:17
  Speaker 1: to get a dumb bitch story.
• 1:02:19
  Speaker 2: No, not the job. Yes.
• 1:02:20
  Speaker 1: You thought it was just going to be health care
• 1:02:22
  Speaker 1: and insurance, didn't you? No, we need a DB story
• 1:02:25
  Speaker 1: from you. Dumb bitch stories.
• 1:02:28
  Speaker 3: You are so dumb.
• 1:02:29
  Speaker 1: Because we've all been a dumb bitch at least.
• 1:02:31
  Speaker 2: Once or twice.
• 1:02:32
  Speaker 1: Oh, my God.
• 1:02:33
  Speaker 2: Y'all not about to do this to me right now, kids. Bitch,
• 1:02:36
  Speaker 2: hurry up. Okay, so. I was talking to this guy.
• 1:02:44
  Speaker 2: They always talk about talking to some guy. Go ahead.
• 1:02:47
  Speaker 2: I was talking to this guy, and he said, hey,
• 1:02:54
  Speaker 2: come up here to see me. I said, okay.
• 1:02:57
  Speaker 1: Where's up here? Oh, you don't have to tell us.
• 1:03:00
  Speaker 2: It's not in the state that I lived in. So
• 1:03:04
  Speaker 2: I went up there to see him, and he didn't
• 1:03:07
  Speaker 2: answer the door. He left you outside? Outside. Wait a minute. Okay,
• 1:03:15
  Speaker 2: so how far did you travel? You have to tell
• 1:03:16
  Speaker 2: us where, but how far did you travel for the date?
• 1:03:19
  Speaker 2: I drove. Okay. I drove.
• 1:03:22
  Speaker 1: And how many hours was it?
• 1:03:24
  Speaker 2: Six hours. Oh. Had you been with him before? Yes.
• 1:03:32
  Speaker 2: And he told you to come up, did you... Plan
• 1:03:34
  Speaker 2: to come. He asked me to come. I don't just
• 1:03:38
  Speaker 2: go anywhere. We don't do that. We were never that pressed, okay? Right. Period.
• 1:03:42
  Speaker 2: We were. Like, it's two of them. We're not talking
• 1:03:45
  Speaker 2: about me in third person, okay? We were never that pressed. But, yes,
• 1:03:51
  Speaker 2: didn't I answer the door?
• 1:03:52
  Speaker 1: Did you kick the door in?
• 1:03:53
  Speaker 2: I left a footprint on it. I know you did.
• 1:03:56
  Speaker 2: I was trying to get it down. Did y'all talk
• 1:03:58
  Speaker 2: after that at any point? Did he hit you up with, like,
• 1:04:00
  Speaker 2: an excuse? No, he came and met me. He was like, uh, uh.
• 1:04:03
  Speaker 2: Long story short, he had a girl there at some point.
• 1:04:06
  Speaker 2: It was just trash. He went out. I guess he
• 1:04:08
  Speaker 2: must have brought her back and forgot and got drunk.
• 1:04:11
  Speaker 1: He forgot what time you were going to get there. Yeah.
• 1:04:14
  Speaker 2: Oof. Yeah.
• 1:04:17
  Speaker 1: I remember that.
• 1:04:21
  Speaker 2: Yo, that was the most tragic stuff of my life.
• 1:04:23
  Speaker 2: I was like, ooh, girl. I ain't never been like...
• 1:04:26
  Speaker 2: Played with like that.
• 1:04:27
  Speaker 1: No.
• 1:04:28
  Speaker 2: But that don't make you really a dumb bitch. Like,
• 1:04:30
  Speaker 2: he's stupid.
• 1:04:30
  Speaker 1: Yeah.
• 1:04:31
  Speaker 2: What?
• 1:04:31
  Speaker 3: No, I'm dumb because I came up there with my gas,
• 1:04:34
  Speaker 3: my money, my car, my hours.
• 1:04:36
  Speaker 2: Like, yo, no, that was pretty stupid, so... But you
• 1:04:39
  Speaker 2: know what?
• 1:04:39
  Speaker 1: A lot of the dumb bitch stories don't always make
• 1:04:41
  Speaker 1: us the dumb bitch. It always typically be the other
• 1:04:44
  Speaker 1: person in the story that's really the dumb bitch in
• 1:04:46
  Speaker 1: the story, honestly.
• 1:04:47
  Speaker 2: Y'all talk to him after that, though, so I guess
• 1:04:48
  Speaker 2: I'll make it a dumb bitch. Oh, you continue to
• 1:04:50
  Speaker 2: fuck with him? For a little while. Okay, see, that
• 1:04:52
  Speaker 2: be the part. Right.
• 1:04:53
  Speaker 3: It be the aftermath that make you the dumb bitch,
• 1:04:56
  Speaker 3: because it's cool to be stupid, right? But when you
• 1:04:58
  Speaker 3: become a habitual dumb bitch, when you just keep going
• 1:05:01
  Speaker 3: with the shit, now that's.
• 1:05:03
  Speaker 1: When, yeah.
• 1:05:03
  Speaker 2: Just for a little while longer. Not let them ride
• 1:05:05
  Speaker 2: in the wind. You got to add that on. So
• 1:05:07
  Speaker 2: how long did you continue to do the dumb bitch shit?
• 1:05:09
  Speaker 2: About a month or two after. Who's counting? Y'all, I
• 1:05:15
  Speaker 2: look back at that time in my life. I'm so
• 1:05:16
  Speaker 2: glad that I've grown from that. Girl, don't think it's
• 1:05:19
  Speaker 2: our old life, okay? We out of the woods. Who shall?
• 1:05:22
  Speaker 2: You got me. You weren't prepared for that. No.
• 1:05:25
  Speaker 1: It's so funny because I told her, like, all right,
• 1:05:26
  Speaker 1: this is what we're going to talk about, but I never,
• 1:05:28
  Speaker 1: but you had to know that it was coming.
• 1:05:30
  Speaker 2: You had to know. No, I didn't think I was
• 1:05:31
  Speaker 2: going to have to provide that story today. That's a
• 1:05:34
  Speaker 2: good one. That's a little easy one. I feel like
• 1:05:36
  Speaker 2: we can get another good one out you, though.
• 1:05:38
  Speaker 3: That was probably my most embarrassing one, y'all, because I
• 1:05:41
  Speaker 3: was like.
• 1:05:42
  Speaker 2: Ain't nobody seeing you, though. Who know? now everybody know
• 1:05:48
  Speaker 2: dumb bitch fuck you oh my goodness oh my goodness
• 1:05:56
  Speaker 2: yeah everybody know now don't judge me y'all get the
• 1:05:58
  Speaker 2: cash app ladies get the gas money up front right.
• 1:06:02
  Speaker 1: Well Erin I really appreciate you this was very last
• 1:06:05
  Speaker 1: minute but this was a great episode so thank you
• 1:06:07
  Speaker 1: for coming on with us I.
• 1:06:08
  Speaker 3: Really appreciate it you're welcome y'all niggas got health care
• 1:06:11
  Speaker 3: life care in.
• 1:06:11
  Speaker 2: Here yeah see look Dropping jewels. You got your business card?
• 1:06:16
  Speaker 2: I don't. Virtual business card? Again, my IG is Shawnee Rocket.
• 1:06:20
  Speaker 2: So S-H-A-W-N-I-E-R-O-C-K-E-T. Hit her up. Hop in the DMs.
• 1:06:27
  Speaker 3: So she can help you out. She help me, for real.
• 1:06:29
  Speaker 3: We should do a challenge. We should do a life
• 1:06:31
  Speaker 3: insurance challenge for the month of May.
• 1:06:34
  Speaker 2: You know what? For real. Get your stuff together, right?
• 1:06:37
  Speaker 1: Right. Get your shit together.
• 1:06:38
  Speaker 2: Well, we about to run your check up for the
• 1:06:40
  Speaker 2: month of May. We need 10%, bitch. Let's be clear.
• 1:06:43
  Speaker 2: I might got some back end. That ain't really illegal.
• 1:06:49
  Speaker 2: But ultimately, we want to help people. Yeah, for sure.
• 1:06:52
  Speaker 1: Make sure people are on the right end of that
• 1:06:54
  Speaker 1: because I ain't got no one to go fund me.
• 1:06:56
  Speaker 1: Money for y'all. I really don't.
• 1:06:58
  Speaker 3: I don't never donate to GoFundMe anymore ever since when
• 1:07:00
  Speaker 3: I had Salida, the old lady living with me. Paying
• 1:07:03
  Speaker 3: for somebody to live with me out of my fucking
• 1:07:05
  Speaker 3: pocket for over a year. And I put up a
• 1:07:07
  Speaker 3: GoFundMe and guess how much money I got?
• 1:07:10
  Speaker 2: What? $ 100. $ 251. And I gave it to her for
• 1:07:13
  Speaker 2: her birthday.
• 1:07:14
  Speaker 3: But my thing is, bitches can put up a GoFundMe
• 1:07:17
  Speaker 3: because you went to, I don't know, Memorial Weekend with
• 1:07:21
  Speaker 3: no fucking money and got stranded and people donating to
• 1:07:23
  Speaker 3: that stupid shit.
• 1:07:25
  Speaker 2: But I can't find housing for one little old lady.
• 1:07:28
  Speaker 2: So I don't fuck with people GoFundMe. So maybe fuck
• 1:07:30
  Speaker 2: y'all with y'all GoFundMe. You look bitter. You probably shouldn't.
• 1:07:32
  Speaker 2: I am. You didn't put anything on. I didn't have
• 1:07:35
  Speaker 2: a way about that because people, we pay into bullshit.
• 1:07:38
  Speaker 2: I donated to that GoFundMe.
• 1:07:39
  Speaker 1: So it's crazy that you only got $ 251 because I
• 1:07:42
  Speaker 1: think I gave at least 50 myself.
• 1:07:44
  Speaker 2: That's it. That's tough. So we pay into bullshit. Yeah.
• 1:07:49
  Speaker 2: That's another example. But you see that $ 50 a month
• 1:07:52
  Speaker 2: could have done? You would have had a policy.
• 1:07:55
  Speaker 3: Which, you know, I wanted to put life insurance on her,
• 1:07:57
  Speaker 3: but she was, I waited too long. And I probably
• 1:08:02
  Speaker 3: didn't have, what is it called, insurable interest on her
• 1:08:05
  Speaker 3: because she wasn't a family member. She was a stranger
• 1:08:07
  Speaker 3: I met. But I wanted to try to get like
• 1:08:09
  Speaker 3: a burial.
• 1:08:09
  Speaker 2: This bitch is still out here. Let's be clear. She's
• 1:08:11
  Speaker 2: still outside. And she's 86 now, though. Yeah. So she
• 1:08:16
  Speaker 2: was 83 when I moved her in. She could get
• 1:08:18
  Speaker 2: a policy, but it won't be. She'll get a burial
• 1:08:21
  Speaker 2: policy for $ 10, 000.
• 1:08:22
  Speaker 1: Yeah.
• 1:08:22
  Speaker 2: Something small.
• 1:08:25
  Speaker 3: I feel like people should get cremated if they don't
• 1:08:26
  Speaker 3: have policies. Cremation still costs $ 7, 000.
• 1:08:29
  Speaker 2: You still got to pay for it. $ 7, 000 for cremation.
• 1:08:33
  Speaker 1: Why we can't burn people in the backyard? The state
• 1:08:35
  Speaker 1: will put you in the pine box for free, though.
• 1:08:39
  Speaker 2: Matter of fact, they give you $ 250 a month. I mean,
• 1:08:42
  Speaker 2: $ 250 if someone passed away without.
• 1:08:44
  Speaker 3: So I can turn a body in for $ 250?
• 1:08:47
  Speaker 2: That's how much it's worth?
• 1:08:48
  Speaker 1: Yes. Hmm. Girl.
• 1:08:51
  Speaker 2: I mean, but it's not worth it. Listen, y'all. If
• 1:08:54
  Speaker 2: y'all enjoy, hit them with the shit. We're not going there.
• 1:08:57
  Speaker 1: Hit them with the shit, friend.
• 1:09:00
  Speaker 2: Shit, friend. It's time to go.
• 1:09:04
  Speaker 1: See, anytime it start going to that dark place, I
• 1:09:06
  Speaker 1: know it's time to end it.
• 1:09:07
  Speaker 2: I said too much. All right, y'all.
• 1:09:10
  Speaker 1: No, bitch.
• 1:09:10
  Speaker 2: We getting this check. Look, the dead check.
• 1:09:15
  Speaker 3: If you guys enjoyed this episode, please tune in every
• 1:09:18
  Speaker 3: Thursday on your iHeartRadio app.
• 1:09:19
  Speaker 2: Where the fuck you get your podcast at?
• 1:09:22
  Speaker 3: This is your co-host, AJ Holiday 2.0 on Instagram.
• 1:09:25
  Speaker 2: Y'all follow me now if you want to get on.
• 1:09:27
  Speaker 2: What's up, Tam? Y'all is official TMAM. I love y'all.
• 1:09:30
  Speaker 2: Thank y'all for tuning in. Remember, speak now. And never
• 1:09:33
  Speaker 2: hold your peace. Deuces.