Survival Mode Activated

Tambam and AJ discuss first speak on their past weekend and get into their S.I.N.S of the week which included Kendrick Lamar’s petty shade in the “Not Like Us” music video. Later in the episode they discuss the boost of inflation and personal strategies for combating it. They emphasize the importance of saving money, diversifying income, paying down high-interest debt, the potential benefits of investing in cryptocurrencies and more.

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Episode Transcript

Speaker 1 (00:02):
What's up, y'all? Think you for tuning in for a
new episode of We Talk Back, a show dedicated to
you niggas and bitches. Because y'all, I'm mad because the
bitch was being cheap as fuck and I'm stuck in
Saint Martin. Try to fly on a buddy pass. Okay,
at least I'm in Paradise. What's up, tam Bam.

Speaker 2 (00:21):
I about to say, that's a good place to be.

Speaker 3 (00:23):
Stun shit, you could be in Iowa, shout out to her.

Speaker 1 (00:28):
Ain't nobody know I was listening to this shit.

Speaker 4 (00:30):
They don't even know black people exist.

Speaker 3 (00:32):
Hey, y'all, it's Met and Ban. I love y'all. Thank
y'all for tuning in again. All Right, tell us about
your weekend, girl, cuz you know in paradise.

Speaker 4 (00:41):
So, y'all, I'm still here. I've been here.

Speaker 1 (00:44):
Actually, I went to Anguilla on the twenty eighth of July.
It is now July the ninth, and I've been stuck
in Saint Martin for the last twenty four hours. But
that ain't the whole trip. My whole trip was wonderful.
A lot of food, a lot of lobster and spreads.
I might put together, put together, a little real for
y'all content, Because I got a little tiny bit of content.

(01:08):
My back is a little bigger. Okay, since I've been
on vacation.

Speaker 2 (01:12):
It's supposed to be on vacation now.

Speaker 1 (01:14):
Eating a bunch of Johnny cakes. Don't I look pregnant?

Speaker 4 (01:16):
Look how bake my noses?

Speaker 2 (01:18):
What's a Johnny cake?

Speaker 1 (01:20):
It's just like fried bread, bitch. Okay, it's just like
a you never had a Johnny cakes, like from the Jamaican.

Speaker 2 (01:26):
Restaurants and shit like festival.

Speaker 4 (01:29):
It's like festival.

Speaker 1 (01:30):
Yeah, but it's like a flat, little round, spear shaped
piece of goodness, fried them up being warm. Yes, breakfast, lunch, dinner.
I don't never eat that much. Dog Like I am
fasting when I get the fuck back home, I'm a
fast for a while.

Speaker 4 (01:48):
But if y'all never been.

Speaker 1 (01:50):
To Anguilla, gold Man, it's a really nice island. It's
a chill island. If you're trying to it's a party.

Speaker 4 (01:57):
It is expensive. I feel like all the island's expensive.

Speaker 2 (02:00):
Man, you're right Jamaica.

Speaker 1 (02:02):
Yeah, Like we think it's gonna be cheap when we
get that. It's just not like if you're looking for
a cheap vacation. Vacation I would suggest, like Thailand, the
flight might be expensive, but you're gonna pay like five
hundred dollars to stay there for a month.

Speaker 2 (02:14):
Month, Right, that's it. But you're right, the islands are expensive.

Speaker 1 (02:19):
Yeah. So I'm in Saint Martin. After we get off today,
I am going to try and catch a flight. If not,
I'll be on Delta tomorrow. Shout out to Delta.

Speaker 2 (02:31):
What did I do this weekend? Shit? I ain't do nothing.

Speaker 3 (02:36):
The weather was kind of sucky because Hurricane Barrel came
through town, and I mean it didn't really hit us,
but we got some of the weather off of it.
So it was kind of rainy all weekend, which I enjoy.
I kind of just laid up with me and Bella,
my dog, y'all. And that was it. I ain't do
Did I do anything else? Hell no, that was it all.

(03:00):
My niggas was out of town on vacation, on vacation.
The No, it was like a bunch of group trips
that went out of Charlotte. Like I'm talking about seventy people.
Forty people, like huge group trips left this motherfucker.

Speaker 1 (03:18):
They probably right here in Saint Martin because this resort
I'm on right now is fucking lit. Okay, I went
outside for a little bit last night. I won eleven cents.

Speaker 2 (03:30):
I was like, what time is she going home?

Speaker 1 (03:33):
I text you last night.

Speaker 3 (03:34):
You ain't get it, Yeah, I responded, I ain't get this.
I say it, stay in the room.

Speaker 1 (03:41):
I ain't get that the last thing, and then my
messages was going out green, So I'm like, yo, something happened,
Like I definitely got a knife in the bed with
me though.

Speaker 2 (03:54):
Let's get it, you know what.

Speaker 3 (03:55):
Let me say this because this is one of our
avid listeners and she's a huge supporter of the show
on Instagram.

Speaker 2 (04:03):
Ok Ken.

Speaker 3 (04:04):
Her cousin, Taylor Casey, went to Bahamas for a yoga
retreat on June nineteenth and went and went to dinner
and then they never saw her again. She just vanished
and they're still looking for her. So hashtag fine Taylor

(04:26):
Casey you can keep up with that, and we're definitely
praying for Taylor that they found her. She's a forty
one year old woman and she just disappeared on June
nineteenth in Paradise Island. That's all Bahamas, So y'all just
be on the lookout for that, and y'all keep her
in your prayers that she gets to come home safely.

Speaker 2 (04:49):
Yeah.

Speaker 1 (04:49):
Man, you gotta be careful out here. God damn, I
hate hearing stuff like that because it's like no closure
until the right yep.

Speaker 3 (04:59):
Yeah, I'm about to listen. I'm about to go in.
My birthday coming up, and I'm about to go away.
I'm about to put an air tag right in the
back of one of these dreads.

Speaker 4 (05:09):
Beat You're better because they be really stealing women like cookies.

Speaker 2 (05:13):
Y'all gonna find me.

Speaker 3 (05:14):
God damn, y'all gonna fucking find me where I'm at,
and I'm gonna have that motherfucking peep peep.

Speaker 2 (05:20):
Y'all gonna find.

Speaker 4 (05:20):
Did my location ever come over to you?

Speaker 1 (05:23):
No?

Speaker 2 (05:23):
It did not. That's why I was like, where are
you at? Like, oh, your rue?

Speaker 1 (05:28):
I sent it to my low one for one hour
because I was trouble shooting it while on the phone
with him, and I was like, oh, let me see
if this worked, because initially, initially I did it for
indefinitely and I'm like, ah, how do I change this back?
Once I started, I wasn't sure, so I did. It

(05:52):
was an hour to test it out. Bitches, ain't ship
y'all been in this stupid news.

Speaker 3 (06:03):
So Kendrick Lamar's music video dropped over the weekend and
on the first day he had what was on fourth
of July draw right. It had fifteen million views in
the first twenty four hours.

Speaker 4 (06:20):
Shout out to Ken Dreid, big Gemini energy.

Speaker 3 (06:23):
Okay, I like how he supported like the same people.
Some of the same people that were at the show
were in the music video, like the crumping clown energy
and all that.

Speaker 2 (06:33):
So I love that. It was a dope video.

Speaker 3 (06:37):
And Mike Rubin, Michael Rubin had his annual white party
where he invites all the hotted celebs and stars, and
Drake was there and people are saying that Drake and
they were pictured together, and people are saying that Drake
looks sad in the picture.

Speaker 1 (06:56):
Let me find out Drake feeling defeated a little bit,
go to that white party, gets some white.

Speaker 4 (07:02):
Energy right quick.

Speaker 2 (07:03):
He looked tired.

Speaker 3 (07:04):
I don't know if he looks sad, but he definitely
looked not as vibrant in the eyes.

Speaker 2 (07:10):
But who knows. Maybe he was on the bender. It
was party time, you know, not.

Speaker 4 (07:13):
A bender he looked regular to me.

Speaker 1 (07:15):
He always Drake always looks like, what's that that movie?
It's a never never Land with a big flying dog.
You know what I'm talking about.

Speaker 2 (07:26):
It's a big lamb before time.

Speaker 4 (07:28):
Yes, he looks like that puppy to me.

Speaker 1 (07:33):
Dog that Yeah, he always just looked like a little
puppy to me, like he just had the droopy eyes
and shit.

Speaker 4 (07:40):
Like he looked regular to me. I don't know.

Speaker 1 (07:42):
But yeah, we ain't gonna talk about Drake looking sad
and I got that party. Let's talk about motherfucking Kendrick
Lamar video, y'all.

Speaker 2 (07:49):
The video is Before Time. Well what you're talking about?
I can't think of the name of.

Speaker 1 (07:55):
That movie eighties More Time and.

Speaker 2 (07:58):
It's something like that. But that ain't it because the
Lamb before Time is something else.

Speaker 1 (08:03):
Big flying dog. I put that in Google and my
service is so fucking ending story.

Speaker 2 (08:09):
What did I say in the Lamb before Time?

Speaker 1 (08:13):
You said a lamb before Time? Yeah?

Speaker 2 (08:17):
You ain't say no, no name the never end the story? Yeah,
it's you said ship. You say he looked like that
white dog?

Speaker 1 (08:24):
No initially? Okay, we it's recorded, y'all. Can hear if
I say it? Or not.

Speaker 4 (08:29):
I don't remember.

Speaker 1 (08:30):
Yeah anyway, Yeah, he looks like that to me, Like
Drake always looks like that puppy. To me, it's not
really a puppy. It's a big ass fucking flying dog.
But that's what Drake looks like.

Speaker 3 (08:41):
That ship, if you're gonna look at that motherfucking the
graphics did not hold up.

Speaker 2 (08:45):
I bet that ship is crazy. Redo it. Yeah, you
a good movie to redo.

Speaker 1 (08:51):
Actually, I really enjoyed the Kendrick Lamar's video. He had
a lot of gems in there. Social media is now
calling him a black historian, actual black historians. Some of
them agree, and then some of them are like, oh,
he's not. He can't. Why why anybody could be a
black historian if you fucking study the hell is wrong

(09:15):
with people? Like I'm so sick of black people to
get on my goddamn nerve. But he dropped a lot
of gyms, especially like talking about Atlanta and how Atlanta
came about, and if you ask me, Atlanta is Atlantis.

Speaker 4 (09:25):
The Lost City Okay.

Speaker 1 (09:28):
Right now is mad Max, But I think Atlanta is Atlantis,
Like it's amazing people in Atlanta. And Drake does hop
on every hot new artist and we may think, we
may look at it as oh, he's like trying to
beef their career up, but it also revives his every

(09:50):
time a next new hot artist comes out, it's like
a barter a bartering system.

Speaker 3 (09:56):
Yeah, they ain't bad for them, they have Drake on
their shit though. But do you feel like his light
has dimmed some since this?

Speaker 1 (10:02):
Yeah, once the once the collectives start removing the energy
from you, you can you literally you're seeing his light
dim So that's just what happens. Like, that's that's why
sound yes, because it's the energy of the people that
keep these entities going.

Speaker 3 (10:24):
I still love Drake. I think a lot of people
still love drinking. People like women don't feel like, yeah,
they're not part of the battle beef.

Speaker 1 (10:32):
I don't think his career is over, Like it's not
going to be a Meek Mills situation. I don't think
his career is like finished. Okay, he still has a
lot of fans. There's a lot of people who feel
like he won the battle, you know, but did he
win the war? It's a question. Yeah. I don't think so.

(10:54):
I don't think so. But shout out to Kendrick Lamar.

Speaker 2 (10:58):
I appreciate how.

Speaker 3 (11:02):
One song because it was really one particular song that
Kendrick did that just revived the whole coast.

Speaker 1 (11:09):
Yes, no, I feel like everybody like you.

Speaker 3 (11:12):
No, yeah, but I mean the energy over on the
West Coast was different, you know, like everybody liked that song,
but when you went out there, they was going crazy,
like next level crazy.

Speaker 2 (11:23):
I loved it. And also, but I scared.

Speaker 4 (11:27):
Why are you schedule a trip up? I know my
goofy ass.

Speaker 3 (11:30):
No, I ain't scared of trip, but I'm scared somebody.
You know, they coming different out there, like what set
you claiming?

Speaker 2 (11:36):
Bitch?

Speaker 1 (11:37):
Can you crip walk? For real?

Speaker 2 (11:38):
Though?

Speaker 1 (11:39):
Can you really do that?

Speaker 4 (11:40):
I don't have enough coordination for none of that shit?

Speaker 2 (11:43):
Yeah I can do that.

Speaker 4 (11:45):
I want to see.

Speaker 2 (11:47):
I'm posted video cropwalk challenge when I get.

Speaker 1 (11:54):
Whitney also had a little special guest appearance hern the
kids in the video. You know, because a lot of
what Drake was like in his disc a lot of
it was based off of mister Morale the album and
when people don't I don't understand and why why people
don't get it? The album was not about Kendrick Lamar's life.

(12:16):
It was actually about the morale.

Speaker 2 (12:18):
Of the people.

Speaker 1 (12:18):
So we had a bunch of different instances in there,
So at what point would you use that and a
disc record. It's weird you had no intel on Kendrick
Lamar other than what he told you on an album.
So yeah, this still doesn't say him and his girl altogether.
She probably just down for the family. We don't know.

Speaker 3 (12:39):
But she was at the concert and she's in the video,
so I mean, yeah, it ain't like how.

Speaker 2 (12:48):
What that lady is?

Speaker 3 (12:48):
They be like, oh mammy, she never showed up like that,
So never never be geting to your camp.

Speaker 2 (13:01):
The Aunties Day first episode, Oh my god, it's not clips. Yeah,
on zeus, this is some clarity.

Speaker 3 (13:10):
That's that's gonna be my new Like I love watching
Ratchet TV. On the stair climber that get that thirty
minutes done, baby, I watched Baddies and now I got
some new shit to watch.

Speaker 1 (13:23):
Did you see I didn't see the video, I mean
the episode. You watched the actual episode?

Speaker 2 (13:29):
Oh no, not yet. No, I'm saving it for the
stair climber.

Speaker 4 (13:32):
Yeah.

Speaker 1 (13:32):
I only saw the clip, and I saw the clip
of Tokyo Tony showing her Kouchi to the game. Did
you see that? No, she's such a fucking like. The
thing is is, like I like Tia Camp and I
like Tokyo Tony. I don't really know about blue Face
Mom like that. Like she just she just gives super

(13:55):
Cloud Chase energy like these women do too, but it's
just different, like they just they still got their own
little personality with it. Black China. I don't know how
she survived her mama. I don't know how to fuck
she survived Tokyo Tony, but she did. And Tokyo Tony.
She really hate Black China. She's just a fucking she'd

(14:17):
be hating on that girl so bad. But she was
talking about like basically Black China, sex and all this stuff, right,
and then she pulls her kuchi out to the game.

Speaker 2 (14:30):
She pulls her kuchi out.

Speaker 1 (14:32):
It's crazy, talked her leg open on the couch on
one of the videos.

Speaker 4 (14:36):
It's a clip out there.

Speaker 2 (14:41):
Well, I can't wait to watch. That's gonna get me
through my thirty minutes. Level ten.

Speaker 3 (14:50):
Airy Spears took to the social media to say women
don't need fake eyelashes, and he posted the whole video
discussing why he felt like women didn't need lashes.

Speaker 2 (15:01):
And here's my thing.

Speaker 3 (15:03):
The last time you got on the internet talking about
a woman and what she needed to look like, people
got to dig it in your history and find out
that you had some did some really dodgy videos that
could consider you a child molester or you know, like
it wasn't good. So why don't you stop talking on

(15:24):
women like, we don't need eyelashes, We don't need your
opinion honestly about our eyelashes. People want are gonna wear
what they want to wear. They want to wear eyelashes,
let them.

Speaker 1 (15:36):
First of all, I need my motherfucking eyelashes. I don't
know what the hell he talking about. They're like a
crazy hell. Now, once you start doing something, it's like
you look crazy without it. So I like my lashes
maya goddamn business. What you need to do is check
on your damn health because you don't look healthy at all.
You don't need to be that fucking big what's out

(15:57):
what your skin? You know, the skin is your biggest
or so I can only imagine with the inside of
that big body looking like because his skin looks explorable,
let's talk about that. What you're really is a dermatologist.

Speaker 3 (16:11):
He got really bad dark circles in his eyes, but
that might be hereditary under his thighs.

Speaker 2 (16:17):
Eyes. I ain't seen that, nigga, thigh don't put that out.

Speaker 1 (16:20):
Imagine what them thighs looking like.

Speaker 3 (16:23):
No, I'm not gonna do that because I ain't because
then we're just doing what he's doing.

Speaker 2 (16:27):
So I'm not gonna girl.

Speaker 1 (16:29):
You know, I go to hell every time. Okay, Yeah,
so y'all stay stay heavenly. We're coming from women. I'm
so sick of men telling women what to fucking do. Like,
mind your business already. There's enough women out here that
has the thing that you like for you to go
for that and talk about that. Yeah right, there's a

(16:50):
lot of.

Speaker 4 (16:50):
Women who don't wear lashes.

Speaker 1 (16:51):
A lot.

Speaker 2 (16:52):
I ain't got on nothing right now, cry. I might
not put on nothing, and.

Speaker 1 (16:56):
I put mine on this morning for Tenny like I
did that. Thank you girlfriend, period, But may your fucking
business grown sack of shit. I don't like that dude, Okay.
Anytime I see him on anybody's platform, I'm disgusting.

Speaker 4 (17:11):
Like, why do y'all still have conversations with this guy?

Speaker 1 (17:15):
Why?

Speaker 2 (17:16):
Yeah, he's it doesn't seem to be a very.

Speaker 1 (17:18):
Those videos weren't dodgy. Those videos were exactly what the
fuck those videos were. And if anybody wants to see him,
I'm not spreading child pornography, but this is out there.
Go check the Go check the archives, because it's the
reason why they tried to scrub that stuff from the
Internet archives dot org.

Speaker 4 (17:38):
You can find him airy spirits. That dude's a problem.

Speaker 2 (17:42):
Yeah, I agree. Well, let me tell y'all.

Speaker 3 (17:48):
Over the weekend, I saw this viral post about this
woman who went to instacart and she ordered She put
the same thing, the same exact items in her Instagram
art that she had bought in twenty twenty one, and
her total in twenty twenty one was seventy dollars. In
twenty twenty four it was one hundred and sixty five

(18:10):
dollars for the same small amount of items. So inflation,
and she was just discussing how inflation has gotten out
of control and how she don't know how she gonna
make it because she has kids to feed. And I
felt that because I feed it, myself has been quite
you know, different this year. So I wanted us to
discuss inflation. I want us to talk about how we're handling,

(18:31):
and I want to give us some tips that we
found online to hindle inflation, you guys, cause it's affecting
us all unless y'all like coming like that, so we'll
be right.

Speaker 4 (18:40):
Back, all right, y'all.

Speaker 1 (18:44):
So we're back, and like Tam said, we want to
talk about inflation because it's just something that affects everybody.
Like nobody is escaping it. Even people who have, you know,
a lot of money, they still feel it because you know,
once you make money, it's another thing to try to
keep it right. So sometimes they are a little bit

(19:06):
more cheaper than our asses. But what causes inflation, So
inflation is the rise in prices of goods and services.
Over time, consumers lose purchasing power when prices rise. The
power of a single unit of currency doesn't go as
far as it did before. So that's why they say,
like if you win a lottery, take the lump sum, right,
because a dollar doesn't have the same value today as

(19:26):
it does tomorrow. A little inflation isn't much cause for concern,
but inflation can pose serious problems when prices rise too quickly,
which we have seen since COVID.

Speaker 4 (19:39):
You can't tell me this is.

Speaker 1 (19:41):
Organic inflation, though I feel like this is something that
was intentionally done to harm the economy in the United States,
but that's another episode. So it's also an imbalance in
supply and demand. Inflation tends to increase from consumer demand
for goods and services increase while supply remains limited the
disruption in supplies, And we saw this with groceries and

(20:03):
shit like that, Like you know, one day they say, oh,
it's no butter. The next day a bunch of butter
on the shelf. So did y'all keep the butter in
the back to create like this illusion that there's a
lack or less of so now you can put the
price up.

Speaker 4 (20:17):
Who knows.

Speaker 1 (20:20):
Global energy prices jumped following Russia's invasion of Ukraine, so
that's another thing. We got gas inflation, the price of gas.
Russia cut off global energy supplies and tighten the marketing.
So they're gonna blame all this is off investipedia dot
com And I love this website, y'all know, I do stocks.
I'm always on here. But a lot of this shit

(20:41):
they blame in other people. Let's talk about the United States.

Speaker 2 (20:45):
Mm hmm.

Speaker 1 (20:46):
So basically, inflation erodes purchasing power essentially.

Speaker 3 (20:52):
Baby, don't it the fuck going on? So what what
do you do you personally to combat inflation in your household?

Speaker 4 (21:06):
So one of the things I have started doing is.

Speaker 2 (21:10):
Getting a man.

Speaker 3 (21:11):
That's what I need to do because I need this
need to be a two income household.

Speaker 1 (21:16):
Yeah, Like, if y'all don't realize this life is based
off of double occupancy, you better get you a nigga.
Like everybody gonna start pairing up real quick. All these
niggas who think that they don't need a woman, don't
need a wife, all these bitches who think they don't
need a man. Everybody gonna be pairing up very soon. So, yes,
I did get a refurbished relationship.

Speaker 2 (21:37):
And here I am.

Speaker 1 (21:38):
Bitch splitting bills. Absolutely, it ain't fifty to fifty now
because I still ain't with that bullshit, But I am
responsible for groceries and shit like that. Right, So I
have started coupon in a little bit, a little bit
pokito because that shit is fucking nerve wrecking. But I
bought a app y'all should download it? Is I be otta.

(22:00):
They have all these you connect your checking account to
it and they tell you, like what stores have.

Speaker 2 (22:07):
The deals.

Speaker 1 (22:08):
It's usually like public cvs and shit like that, and
people be sleeping on cvs because it appears expensive. But
they have a lot of cash back rewards and you
can double up, triple up coupons and shit like that.
Harris Teeter is a good place to do this type
of shit. But y'all can go on YouTube and just
type in couponing and there's a lot of people who

(22:28):
do the work for you. They tell you exactly where
to go at, they tell you how to put the
deals together. I bought it is always going to be
like one of the main things they talk about, because
you know, you get the cash back rewards on different
items you buy. So this especially the daily household shit.
I hate spending money on like toilet tissue, paper towels.

(22:48):
It's so detergent, and so.

Speaker 2 (22:51):
I definitely started coupon in this year.

Speaker 3 (22:54):
It would be kind of fun too, Like you cut
your little clip, your little Cooper's. You gotta take the
ad out, store the in the online and try to
make the amount match what the girl says on YouTube, like, yeah,
I've been doing that. Sometimes it don't always work out,
Like how the fuck she got it down a dollar
ninety eight cent in mine is four ninety eight, but

(23:14):
still four ninety eight is as better than the twenty
five dollars it was gonna be.

Speaker 2 (23:20):
So I definitely started doing that shit exactly.

Speaker 1 (23:22):
But for like the holistic girlies, like a lot of
the shit, like the food items that be on sell
oh eat. So some of you guys, if you are
into coupon and start selling that shit, sell the items
that you get, like I don't use regular toothpaste, and
you always can find crust and Colgate on sale by
that shuit. Have put it on a Facebook marketplace, book

(23:44):
marketplace offer up because sometimes when I'm looking for certain shit,
like I'll go in there see see who's selling what?

Speaker 2 (23:52):
Right?

Speaker 1 (23:53):
I agree, I stayed balling the budget, y'all heard me
just say, I fly. I flew on the fucking companion pass.

Speaker 3 (24:00):
So but sometimes them ships end up costing you more
than a fucking ticket. Ahead you bought it in the
first place, that's the only problem because then you got
to buy a hotel room. Then you might end up
actually having a buyer plane ticket like me. Right now,
it's a crap shoot. Yeah that is a crap shoot.
But if you can travel, but when you win, you
win big. So yeah, yeah, so I get that.

Speaker 2 (24:24):
Fuck that.

Speaker 3 (24:24):
If you can travel on the Buddy Pass, y'all get
you all the Buddy pass. Don't buy the plane tickets
stay too high?

Speaker 2 (24:29):
What else do you do?

Speaker 1 (24:31):
Let me see what any other adjustments I've made get
you a fucking Costco car, bitch, because Costco gas be
cheaper than everybody else's. Really yeah, I'm not really a
before like doing it, like the low light low coupon.
I have always like gone on. I have all the
different grocery stores that I shop at. I have the

(24:52):
apps on my celephone, so I always look for deals
before I even leave the house. You know, I make sure,
like see what I see what you need. Don't just
go to the grocery store buying shit. See what you
actually need first, right, because you end up in the
store with no list and you just buying a bunch
of shit you really don't.

Speaker 3 (25:12):
Especially, don't go hungry too. Don't go to the store
hungry because you will buy some shit.

Speaker 2 (25:18):
Yeah, you will get some shit that you don't need.
I like to.

Speaker 3 (25:22):
So what I've done is I've been doing factor meals.
So but I have a friend who works for Factor
and they get forty percent off. So I use their
discount code, so I get forty percent off. I get
seven meals for like seventy bucks. Wow, that's cheap.

Speaker 1 (25:44):
Are they tasty?

Speaker 2 (25:46):
Yeah? They tasty? They taste nice. I mean, it ain't like.

Speaker 3 (25:51):
It ain't all of that, like, it ain't like, oh
I can't wait to get to my factor box.

Speaker 2 (25:55):
But it ain't bad like it is delicious.

Speaker 3 (25:58):
I add a little season and I like you are
a little judged to it to make it like real flavorful.
And then I do that and then I my week.

Speaker 2 (26:07):
It would be simple, ill order. I know.

Speaker 3 (26:10):
I'll go get like five of those salad kids, a
pack of chicken, and I'll have a protein shape for breakfast,
a salad kit for lunch, and affected meal for dinner
and my whole week. Ain't I spend like almost one
hundred dollars, you know, for a whole week full of
my groceries, And I'm getting skinny because the bitch ain't
got no money to eat with it.

Speaker 1 (26:31):
Am that's a plus of inflation, Okay.

Speaker 3 (26:40):
But my meals are playing out like that. It's simple,
it's easy, it's affordable. People don't realize people think Trader
Joe's is expensive, but if you go and Trader Joels,
they have a lot of really affordable quality stuff in there.

Speaker 2 (26:52):
So I like shopping at Trader Joe's.

Speaker 3 (26:55):
Whole Foods, I don't go there no more. That's Whole Check.
I stopped going the Whole Foods like that.

Speaker 1 (26:59):
I want.

Speaker 3 (27:01):
If I want like a nice cut of salmon or
something like that to go on my salad instead of chicken,
I'll go to Whole Foods. But I don't like they
are a little bit more pricey than Trader Joe's.

Speaker 1 (27:15):
Target said that they were cutting back on prices because
apparently they were way above everybody else's prices, so they
did some rollbacks recently at Target.

Speaker 4 (27:26):
I don't know.

Speaker 1 (27:27):
So okay, so what cleaning supplies and laundry detergent again,
Like Publics always has this thing where you I think
it's buy buy fifty dollars worth and you get fifteen,
like a fifteen dollars Target gift card. Yeah, so that's

(27:48):
usually once a month they have that. So that's usually
when I buy my detergent and stuff like that and
get that fifteen dollars back, and shit, if I want
to go and buy a bathing suit and some shit
fifteen dollars off. So you just got to look for me, like,
and we are single people. I can't imagine what people
with children are doing, and so we probably should have
got a coupon or on here, just somebody who has

(28:09):
children and to have a real life experience with dealing
with inflation, because it's not just you you're responsible for.

Speaker 3 (28:17):
Right when you have kids, it's a whole different ball
game because clothes.

Speaker 4 (28:20):
School's coming back up.

Speaker 3 (28:22):
Like, and they they gotta get school supplies. Maybe we
should do like a drive a drive for school supplies
for kids in our community or something like that.

Speaker 2 (28:33):
That would be nice.

Speaker 3 (28:35):
Another thing I do is like the things like I
used to do every two weeks, I stretch it out
a month. Like so my nails I don't go every
two weeks. Now I go once a month. I get
my nails done once a month. And I made them
shorter because longer nails pop up faster and shorter nails don't.
So I was acting like I just want it shorter. No,
I just can't do it every two weeks anymore.

Speaker 1 (29:01):
The maintenance girls, what the fuck are y'all bitches doing?
Because I do most of my own maintenance. Now, I
did start getting petticares at least once a month, and
really the main reason why is to patronize me.

Speaker 3 (29:13):
You're scratching that man. Shut out, You scratching that man
up in that bed. You can't in the bid. No
going making sure.

Speaker 1 (29:22):
My god daughter makes some money too, So I just
go to her to get my get my toes out.
She does really amazing petticares also, So that's little maintenance.
I do my own hair. Like I'm start I'm gonna
start paying for maintenance though, I think.

Speaker 2 (29:41):
Times waxing. I start waxing away from I was.

Speaker 3 (29:47):
Like so for real all year, like from the beginning
of year till now.

Speaker 2 (29:52):
You know, I just had it like yeah, wolf pussy
for real.

Speaker 3 (29:55):
But uh, because I ain't doing nothing. I ain't like
it's just you.

Speaker 2 (30:00):
You ain't using it. I ain't using it.

Speaker 3 (30:02):
So I wasn't doing all of that, just kept it clean,
you know, But I ain't do nothing with it.

Speaker 2 (30:07):
But it is the summertime. It got too hot for that.

Speaker 3 (30:10):
So I went and got a bikini there and I
use that and I mean it's cool. It's not like
baby smooth like wax. But I mean, ain't nobody like
what I needed. You know, it's good. It does what
I needed to do, So that's money saved for me
because that added up lashes as y'all. Like I said earlier,

(30:33):
I ain't got no lashes on saving money. I use
a strip. I wear a strip instead of paying for
actual lashes because they are expensive.

Speaker 1 (30:44):
Yeah, I think people who even if you have the
means to do all of these things, like eventually, if
you're not feeling this inflation today, eventually you will, so
you should start acting like it's already affecting.

Speaker 2 (30:58):
Right exactly.

Speaker 4 (31:00):
I just don't like. I don't like spending money on
certain things.

Speaker 3 (31:05):
I don't want to wait till I don't got no
money to make changes.

Speaker 4 (31:09):
And that's what people are. That's what a lot of
people are missing.

Speaker 1 (31:12):
Like even on social mediay'all think these people have all
this shit and they don't.

Speaker 4 (31:16):
We don't him being honest, motherfucker.

Speaker 1 (31:18):
Is not be They be wearing fake bags, fake shoes. Meanwhile,
you trying to spend your whole tax return on a
real bag. Okay, R these bitches is around here with
all the fake burkins, everybody can't even buy a burkin.
Y'all know that everybody don't have access to buy no
fucking burkin for real, And even like in places like

(31:39):
the real real, like you still spending thirty thousand dollars
on a bag, y'all think they're really doing that?

Speaker 3 (31:46):
That shit? It don't really appeal to me no more.
There was a time where I used to aspire to
have those things, but now it just seems silly to me.

Speaker 2 (31:55):
Thirty thousand dollars on a bag don't sound like it, don't.

Speaker 1 (31:58):
Seem it don't sound like future exactly. I mean, well,
the bags and watchers and stuff like that, they do
hold a value, so you it's not a bad investment,
per se. But there's other ways to diversify your goddamn portfolio.

Speaker 3 (32:15):
But let's say something really uh, you know, what's the
word cataclyptic, catastrophic catastrophic happens. Are the bags gonna have
the same value in that moment, you.

Speaker 4 (32:30):
Know, like what you're gonna carry in the water, Right?

Speaker 3 (32:36):
So I just want to make sure that I'm setting
myself up for success in any environment. And I don't
know if persons is really gonna make the difference for me.

Speaker 2 (32:46):
It's not I used to I don't get me.

Speaker 3 (32:48):
Wrong, if y'all my birthday come in, if y'all want
to send me a nice bag, I'm going.

Speaker 2 (32:52):
To take it.

Speaker 1 (32:54):
But you ain't buying it, bitch.

Speaker 2 (32:59):
M I ain't buying none of that shit. Yeah, it's
not the season for that.

Speaker 1 (33:04):
I remember when I lived in when I lived in Atlanta,
I was looking to buy a house at that time.
So my realtor girl, just because I think people will
assume that because it's a white person, they assume their
bags and should be real that lady bought all her
bags from the goddamn the Atlanta like flea market, all

(33:25):
of them.

Speaker 2 (33:26):
Yeah.

Speaker 3 (33:27):
There was this football player that I was talking to
many years ago that y'all know. I ain't gonna say
his name, but he was talking about how he get
all his ear rings from players because people going to
just assume his diamonds is real eera, because of.

Speaker 2 (33:41):
Who he is and what he do.

Speaker 4 (33:43):
Yeah, once your reputation precedes you like.

Speaker 2 (33:48):
A player. I was like, I can go to Claires myself. Baby,
you ain't gotta go.

Speaker 1 (33:54):
That's a smart man, and I bet you he still
has his You said NFL. He got his NFL money.

Speaker 2 (34:02):
He's probably yeah, he's still very successful. Man.

Speaker 1 (34:04):
You gotta be frugal even when you have the money.
It's still weird to me, like when celebrities do like
frugal things online and regular people be like, ah, like
you can't afford no, bitch. You don't notice science of business.
You don't know nothing about money if you think you
just supposed to spend it because you have it. The

(34:26):
more money you have, the more people you also taken
care of as well.

Speaker 2 (34:30):
That's true.

Speaker 1 (34:32):
So instead of buying a bag, I'm definitely buying some stocks. Okay,
the stock market, I'm waiting for it to crash. It's
like a by the dip on all the shit. I'm
mad at myself right now. I didn't get into the
video like motherfuckers really became millionaires off in the video
in the last twelve months.

Speaker 3 (34:52):
If you would have been this properly my in like
twenty thirteen, my ex boyfriend was like by bitcoin with me,
and I was like, what is there? I can't wrap
my head around it. I don't want none of that.
It just sounds like something that And lord, I kicked
myself and ask every day thinking about how much bitcoin

(35:14):
he had when we broke up. I think he had
like at least ten bitcoin, wow, because it was so
cheap back then.

Speaker 2 (35:22):
So now yeah, yeah he up where you at.

Speaker 3 (35:28):
If he held onto it, he's definitely up. So kudos
to you for being smart with it.

Speaker 2 (35:33):
You know.

Speaker 1 (35:34):
Well, I'm not a financial advisor, but I would suggest
people to research XRP ripple.

Speaker 4 (35:41):
That's a that's a cryptocurrency.

Speaker 1 (35:44):
And this is the coin that the financial institutions Bank
of America, JP, Morgan, and Chase. This is a cryptocurrency
that they are looking to have, right because the thing
with crypto is because the thing with crypto is that
it's not something that the government, our government can really
control in a way, you know, So they're trying to

(36:05):
find ways to regulate cryptocurrency, and when they do, XRP
is gonna be that thing. XRP is only yes, ripple XRP.
I'm trying to pull it up to tell y'all how
much it costs today. It's only since right now. I'd

(36:28):
buy as much as you could research it first. Don't
take my advice, you know, just look it up. It's
forty three cents today.

Speaker 2 (36:39):
So I'm gonna go buy me a dollar. Is worth.

Speaker 1 (36:43):
Two forty three cents.

Speaker 3 (36:51):
Y'all just buy me too and forget about it and
see what it turned into in a couple of years.

Speaker 4 (36:56):
See what happened. See what happened?

Speaker 3 (37:00):
So, uh, timemagazine Time dot Com put out a list
of ways to combat inflation as an individual, and honestly,
I feel like they don't really.

Speaker 2 (37:13):
Know what the fuck to do either.

Speaker 3 (37:14):
Hold I'm gonna share this list with y'all, but it
says first, review your budget, which is basically what we were.

Speaker 2 (37:21):
Saying, like, analyze what you have and analyze what you spend.

Speaker 3 (37:26):
Obviously, I still feel like it's important to save, you know,
even if it's just a little bit, you know, try
to say that, you know when you're So it says analyze.
If you don't have a budget, it's time to create one.
So ladies and gentlemen, look at your money and really
sit down and analyze that shit and see where it's
going because you spend it too much on door dash. Bitch,

(37:48):
I know it's somebody listening, Like damn, she talking to me. Yes, bitch,
I'm talking to you, Stin.

Speaker 1 (37:53):
I was talking to your ass earlier this year about
that goddamn door dash I saw there was a poll
on Instagram and it said name something that people do
that you would never do with some shit like that,
and I said, Uber eats, door Dash and paying for dick, Like,

(38:14):
I'm going to get my own food. I don't want nobody.
It's bad enough if somebody else is cooking it, right,
you know how I am about food. Now I got
to depend on this person driving my shit to my
fucking house.

Speaker 3 (38:25):
It's so convenient. It's so convenient. I understand why y'all
like it much.

Speaker 1 (38:30):
It's too much, too much, and they've created a battle
between the drivers and the goddamn customers about tipping and
stuff like that, and y'all not even they're not even
paying the drivers that much to deliver this shit.

Speaker 3 (38:45):
Yeah, they get most of it. I mean, the merchant
gets a lot of it, and then that the fee
they get a lot, they get a higher percentage, seems like,
so that's not fair. But I knew I was doing
too much when I had an issue with my meal,
so I called door Dash and they was like, as
one of our vi ps, we're gonna connect you to

(39:05):
a different line vi P. I'm spending too much with y'all.

Speaker 2 (39:11):
I spend it too much money with you motherfuckers.

Speaker 3 (39:13):
I'm a VIP at door Dash, so that's what I
changed my life. I was like, you know what off
your VIP bitch?

Speaker 1 (39:23):
I see another post that said am I the door
Dash person must have messaged the guy was like, can
you meet me downstairs at the gate? And he was like,
is this uh at the gate? Right?

Speaker 3 (39:38):
I remember I got into it with a door Dash bitch.
I was car, what's the car? Bring your big back
downstairs and get your own lunchable, bitch.

Speaker 2 (39:49):
I was like, you little roach. She looked like a roach.

Speaker 1 (39:54):
All right now for they get you like Cardi B roaches.

Speaker 2 (40:00):
I'm it was.

Speaker 3 (40:02):
Bad at Cardi B because she's you know, I'm real black.
That girl looked like she had two pieces of hair
that looked like they was standing up like some fucking antennas.
Oh it's gonna call me big bag bitch, bring my
shit to my door right. Number two on the list
diversify your income. So it says when inflation is high,

(40:25):
finding ways to cut and save is important, but so
is increasing your income. Diversifying your income to include a
side hustle or part time job can help you keep
up with rising calls.

Speaker 4 (40:36):
They're just trying to find ways for people not to
live because what.

Speaker 1 (40:39):
I'm hearing is have a full time job plus get
a part time job, and what does that do for
the quality of life? Right?

Speaker 2 (40:48):
Like, be a whit.

Speaker 1 (40:49):
Shit is fucking free. This earth is free. I understand
we have to pay people to manufacture shit, to create things,
but some of the shit we be paying for water, electricity,
if those things were free tomorrow, the world would be
totally different. And that's why they'll never let us know
that energy is fucking really free.

Speaker 3 (41:10):
It's all around us Wi Fi.

Speaker 1 (41:13):
That's not new technology. That shit has been around, like
all these things that we pay for. The cell phone
fucking bill. Why the fuck is my cell phone bill going?
Myself bill has went up forty fucking dollars in the
last year, from a ninety nine ninety nine dollars to
one phone. To me, it's already expensive. My shit has
went up one hundred to one hundred and forty dollars. Verizon. Okay,

(41:35):
I've been a customer since my freshman year at fucking college. Okay, man,
let me tell you.

Speaker 2 (41:41):
I call them people.

Speaker 3 (41:43):
I call uh Spectrum in Verizon, and I and I
complain every bill cycle like I need to speak to
somebody before I pay. I'm gonna pay it, but I
gotta talk shit to somebody before I like to do
it every every bill cycle.

Speaker 2 (41:59):
Why is this much? Well, ma'am, you didn't pay for Jude? Okay?

Speaker 1 (42:06):
I actually all that.

Speaker 3 (42:07):
Make it make sense be because I don't understand why
it's too sick?

Speaker 1 (42:11):
Why was it so much last month that I didn't
hit it?

Speaker 2 (42:18):
Girl?

Speaker 1 (42:18):
Life is stressful, Like listen.

Speaker 4 (42:21):
That's one thing about like on the islands and stuff
like that.

Speaker 1 (42:24):
These people be chilling. They have their little small businesses.
They live, you know, simple lives, but I'm pretty sure
they're happier. It's such a rat race in America. It's like, yeah,
I'm tired of it. I guess I haven't really been
in the rat race per se since I got laid

(42:46):
off from work in twenty seventeen.

Speaker 4 (42:47):
I've been figuring it the fuck.

Speaker 1 (42:48):
Out because I want my life. That's how bad I
want my life. Like I'm gonna figure out a way
to get money as opposed to having to exchange my
time for the rest of my life. That's not living.

Speaker 3 (43:02):
Yeah, it's yeah, I'm I'm looking for someone to come
in and just say, be a stay at home mom,
or just be a stay at home.

Speaker 2 (43:14):
God what you have done for others, see fear for
me Lord a mercy man.

Speaker 1 (43:18):
That's a job. Like I have a friend who has kids,
stay at home mom, but she wakes up when her
husband wakes up, and she's on all day long, and
so he goes to science.

Speaker 4 (43:29):
So yeah, he makes the money.

Speaker 1 (43:31):
But.

Speaker 2 (43:33):
It's not it's not care free. I didn't say it was.

Speaker 3 (43:37):
Now, some people do live a care free where they
got nannies and maids and and they.

Speaker 2 (43:41):
Don't have to work. That's what I aspired to you.

Speaker 1 (43:43):
When you got a nanny, you still want to care
about your kids. You want them to fuck, not just
the nanny, right.

Speaker 3 (43:49):
I don't want them to cry and run to the nanny.
That would make me say like, bring your ass here,
a little nig, but you gotta journey, my mom. I
wasn't queen ee no.

Speaker 2 (44:05):
All right, but no, listen.

Speaker 3 (44:07):
One of my best friends, she's a stay at home
mom of two toddlers. And I see that bitch with
a broom in her hand every single day on FaceTime.
I'd be like, bitch, you one thing I'm gonna see
for sure. If I don't see nothing else, is you
attached to a broom every day? She's like, if I
did not sweep at least three times a day, this
floor would look crazy.

Speaker 2 (44:25):
With these toddlers. We took them to the movies the
other day. Baby, they took me through it.

Speaker 3 (44:31):
Honey, that the little one, the little one is not
She's like, you're scared of him.

Speaker 1 (44:36):
I was like, yes, not, just got your ass shook
all right.

Speaker 3 (44:44):
Number three pay down high interest in no, so thanks tim, bitch.

Speaker 1 (44:49):
I stopped paying my credit card. I stopped paying it.
I'm gonna figure it out. Yes I did, y'all listen,
I stopped king at credit card with a very high
interest rate.

Speaker 4 (45:00):
I know how to fix credit debt. I'm know how
to fix debt.

Speaker 2 (45:04):
Right.

Speaker 1 (45:04):
So we live in an economy, we live in a
in a country, right, everybody's in debt, even the fucking country.
So at one point do you think the citizens of
that country aren't going to have some form of debt,
Like debt actually makes money. M h, y'all ain't making

(45:26):
them more money off my motherfucking debt. Y'all can have
that ship. I'll figure it out on the back end
one of my credit cards, the interust rate. I kept calling, Hey,
y'all think y'all can lord this interest rate. They wouldn't,
And that's that's an option. You can call and ask
for a lower indust rate so you can be in
a position to try to pay some shit off. And
when the creditors aren't trying to work with you, when

(45:50):
they they too are in debt, boyfucking boyfuck you.

Speaker 2 (45:55):
Well, if y'all don't want to go a j rowld,
let me tell y'all what it says.

Speaker 3 (46:03):
Thanks to inflation, there is less money available to spend
on everything, including debt repayment. Aggressively paying off high interest debt,
including personal loans, payday loans, and credit cards can help
free up cash to spend on other items. If you
have a good or excellent credit you can also consider
transferring your high interest rate debt to a zero percent
balance transfer credit card. If you're able to pay off

(46:25):
your balances before the end of the introductory rate, which
is off to six to eighteen months, this can help
you save a lot of interest. Before committing to a
balanced transfer credit card, make sure you understand the terms
and if there is a transfer fee or annual fee involved.
So I mean that's an option you.

Speaker 2 (46:41):
Guys to like. That is not an option.

Speaker 1 (46:44):
That's not a real option. Paying off debt to free
up money is not a real thing. You're not gonna
have that money back. You're not gonna have no.

Speaker 2 (46:55):
But but you don't want to have that debt.

Speaker 1 (46:59):
Fuck that. Okay, fuck that debt, y'all. Tell y'all, y'all,
let no house fucking look my credit score good? Okay,
Like I said, fuck that debt. Y'all want some pointers,
hit me up? No, don't really, don't hit me up,
because one thing I don't like is customer service with niggas.
I hate trying to show a nigga to do some shit.

(47:21):
And you've been like not really liking black people.

Speaker 2 (47:26):
Five.

Speaker 3 (47:26):
Open a high yield savings account. Thanks to inflation, if
you aren't earning interest on your savings, you are losing money.
A high yel savings account is a savings account that
offers a high rate of return than the average saving account.
Online banks can often offer an even better interest rate
than traditional banks, since they don't have to pay expensive

(47:47):
overhead costs. A high yield savings account is a great
place to store your short turn short to medium turn savings,
such as your emergency funk.

Speaker 1 (47:56):
Listen, they are asking people to save money that they're
nod fucking making the average rent right now, okay, because
they're almost making home ownership just so far away from
most people. The average rent is twenty five hundred dollars
for a one bedroom. It's like fifteen hundred dollars, right
This is the average rent across the country. People do

(48:18):
not have money to save in that way unless you
already had money accumulated. I think millennials are going to
be probably fucked up the most because we're not getting
our pseudo loans forgiven all right, right, so so.

Speaker 2 (48:32):
Hard it might not exist by the time we.

Speaker 1 (48:34):
Get exactly like we have always been the generation to
feel all a bullshit, Okay, I don't see anybody who
has children, who has a mortgage and all that, who
actually has money to save and put in a hide
a high yield interest. You and what you're saying essentially

(48:54):
is give your money to the banks to also use
your shit, use your money to invest in shit, and
possibly lose your money because when the markets crashed, that
money that you've now put in the bank. You no
longer have that money. Y'all saw that in California last
years time, where a credit union shut down and the
and the members came for their money and they couldn't

(49:15):
get it.

Speaker 2 (49:15):
It was like, get it back in blood.

Speaker 1 (49:18):
So why would I pay this fucking credit card? Get
it back of blood?

Speaker 2 (49:23):
I think.

Speaker 3 (49:24):
I think it's also it's important to have an emergency fund.
If you can squeeze, you know, any ounce of money
out to put in a how your savings account, so
you can have an emergency fund. It's better than a
regular one, you know. I mean, that's just an option
if you can. If you can't afford it, I would,
just because you never know when some bullshit gonna happen.
And you got a bag, but you ain't got nothing,

(49:45):
no money, you know, like you don't bought it, Like
I'm saying, you bought a designer bag instead of saving
for an emergency, and now you're out here with a GoFundMe,
which do work if people, if people fuck with you,
they'll they'll support it. But I mean that may not
always be the case. So have you an emergency stash

(50:05):
or something in your drawer, Put a little change in
the drawer something, bitch.

Speaker 2 (50:08):
Don't just be out here with nothing.

Speaker 1 (50:10):
Number. Holding on to fiat currency is never going to
be the It's like holding on to paper money ended
a mattress, like what happens when that currency no longer
has value. So if anything, I would say, buy you
some I mean it's not. Long term investments are always
going to be better than some short term.

Speaker 2 (50:30):
Just having it sitting. Yeah, city money in account, so.

Speaker 1 (50:33):
Like go but with the actual precious metals and stuff
like that. I you going to invest in anything for
real for the future, it would be if that dollars,
it would be that.

Speaker 2 (50:43):
Yeah, that's what that would be. If you have a
couple of dollars.

Speaker 3 (50:45):
But you could get a high yel savings account with
just a little bit of money and just start pouring
into that, like you know, just putting a couple of
dollars in it every month at least.

Speaker 4 (50:53):
And what's the highest they want to give? What's the interest?

Speaker 1 (50:56):
Uh, let me look up a bank and see what
is the current interest rate on a savings account in
GERI Okay, go ahead, I'll come back.

Speaker 2 (51:09):
In all right.

Speaker 3 (51:10):
While you're looking at up, I'm gonna go to the
next one, which already discussed what y'all. It says, create
a meal plan. So that's what I did, And it
really did drop my spending on food down to a
fraction of what I had been spending. And it also
dropped my weight down to a fraction of the size
I was bit because, and you know, obviously I didn't

(51:31):
just eat like salads in factory meals. I will also
get fruit in like sugar free chocolate and shit talking about.

Speaker 1 (51:41):
The price of fruit and vegetables for them to be
good once you buy in like I'm sick of buying
nasty ass mangos. I'm sick of buying nasty ass apples
like the fruit they say they just I'm gonna start
returning shit. When I tell you, my mama will return
your ass to the grocery store. She needed to me too.

Speaker 2 (52:01):
I am one.

Speaker 3 (52:01):
I will come in there with a banana open. Excuse me,
this banana ain't right. I would like another. I really
that girl. If I cut into it and it ain't right,
I'm going to take your back. I don't get one peach, Hi,
good morning. I bought this peach yesterday. I bought this

(52:23):
peach four days ago, and look at it.

Speaker 1 (52:25):
Now I need my gas money back for having to
come drive back over here. I also need that back now.
One thing Harris Theater does like they have a guarantee
fresh seafood policy. So if you buy some seafood from
and it's bad, like, they give you back double your money.
I like that. Yes, me too, because me buying like
a whole twenty dollars fucking red snapper and get home

(52:48):
and the shit is fucking bad, I gotta now drive
back to your establishment to return it.

Speaker 4 (52:53):
You just gonna get me back the same money.

Speaker 1 (52:55):
No, not just high as inflation, right, I like that too.

Speaker 2 (53:01):
Another thing that says is batch errands.

Speaker 3 (53:05):
So with the price of gas, commuting or running multiple
errans in a week can get expensive. Rather than driving
back and forth to the store whenever you need something,
try batching your errands so you can accomplish all of
them in one trip. I mean, I guess that makes
sense because some people go to the grocery store and
get one meal every day.

Speaker 2 (53:24):
Yeah that's me especially, Yeah, I.

Speaker 1 (53:30):
For real, I do whatever. I'm a cook, I tend
to go to the grocery store to get it for
that day. I don't really like store. I'm freezing stuff,
you know.

Speaker 3 (53:41):
But you can save on gas if you just bought
a bunch of shit at one time, at least three
days worth. Okay, And this one says investing tips, Treasury
inflation protected securities is a government security designed to help
protect you against inflation. What says TIPS apart from other
government securities is that the principle is not fixed. Instead,

(54:04):
it can go up and down with inflation as measured
by the Consumer Price indecks CPI. When inflation rises, you
can benefit from higher income payments. Tips can come in
terms of five, ten, or thirty years. At maturity, you
either get the higher just a principle or the original value.
So the benefit is you never risk losing your initial

(54:24):
principal investment. I've never heard of that.

Speaker 4 (54:28):
I'm gonna have to look into that.

Speaker 2 (54:30):
Yeah, so y'all look up tips.

Speaker 3 (54:34):
And then lastly, it says speak to a financial advisor,
get you someone who can help you manage your money.

Speaker 1 (54:41):
But you got to pay, yeah, like.

Speaker 3 (54:45):
We got to pay them to So I mean that's
if you can afford to, you know, pay somebody to.

Speaker 2 (54:53):
Help you with your money.

Speaker 3 (54:55):
But there are people out there who don't cost as
much that can do it. You know, you can find
someone who can help. If you can, if it's in
the budget.

Speaker 4 (55:02):
YouTube university, figure it out yourself.

Speaker 1 (55:04):
Like at this point, like you're going to have to
eliminate some of your bills, right, So getting a financial advisor,
that's not really it's a good thing, right, but most
people they can't afford a financial advisor. Not a real
good per you know. And if you're not making a
certain amount of money, like what are you really advising

(55:25):
advising for?

Speaker 3 (55:26):
Like put that fifty cent over there and put another
dollar on that side.

Speaker 1 (55:34):
Yeah, Like I don't know, it's rough out here, but
just these are just some like online banks, online savings.
So I'm seeing like rates of five point three percent
five point two five percent on high interest yield savings accounts.
That's not a lot of money. Depend depending on how

(55:54):
much money you're actually putting into this state, into this
savings account.

Speaker 4 (55:58):
It's really not a lot of money.

Speaker 1 (56:02):
Now, I'm gonna tell y'all, So my options, I have
been trying to set a goal to make five hundred
dollars a day on options. Now I'm gonna tell y'all
it could be one day I might lose fifteen Okay,
but I have been making that goal for the last
couple of months. Okay, I've lost, Yeah, but I've lost
some money. But it's not like my initial investment that

(56:24):
I've lost. Right that to me, you don't got to
hire paying job than options. That is the highest paying
job that you could fucking have, right if you can
figure out a low routine. So this is just the
one little tidbit if you're interested in options. The thing
I've been doing for the last couple weeks, I've been

(56:46):
getting in the S and P five hundred right at
the end of the day, so add three, so this
is thirty minutes a day basically. So right at like
three o'clock, I start looking at the market, I start
looking at S and P five hundred. You can buy
option contracts cheaper on Thursdays and Fridays, that's one thing.
And the market now allows you to trade fifteen minutes

(57:09):
after the market opens and fifteen minutes after it closes
when you buy same day contracts, and you can actually
like if the if you think that S and P
five hundred is going to keep going up after the
market closes, you could double your fucking money so fast.
But if it goes the opposite way. You could also
lose it really fast. So I would suggest people to

(57:30):
sign up for TD was not TD Ameritrade anymore.

Speaker 4 (57:34):
I'm TD amer Trade.

Speaker 1 (57:35):
It's not. It's not. It's Charles Swab. Now for think
a swim. Sign up for think a swim and do
some paper tradeing. Paper trading is like using fake money,
so you can get acclimated and just try it first
before you That's.

Speaker 2 (57:51):
What I wanted money. I want to learn, learn how
to play with that girl.

Speaker 1 (57:56):
When I tell you there's something like I didn't cried
one day, but then other days.

Speaker 2 (58:03):
I cry a lot of dollar days.

Speaker 3 (58:04):
So it's a buy some money instead of these niggas.

Speaker 1 (58:14):
Every day thirty minutes thirty minutes, the last thirty minutes
of the day, you should be able to make a
couple hundred dollars honestly.

Speaker 3 (58:21):
All right, well, maybe we need to sit down and
you can teach me, or maybe you should do like
a live and teach all us, bitch, because I got
a curriculum.

Speaker 1 (58:31):
It's gonna cost you though, that's another investment.

Speaker 3 (58:35):
Listen, all right, well, do you have any last last
for today?

Speaker 2 (58:40):
What's your last word? Oh?

Speaker 4 (58:43):
Last word?

Speaker 1 (58:44):
Couple up. Get you a nigga, Stop backing like you
independent bitch. Alright, save a couple of dollars. Get you
a fucking boyfriend, girl, he might not be that cute.

Speaker 3 (58:55):
Get him. Get a boyfriend that can contribute, because right,
don't get it?

Speaker 2 (59:00):
And who need help?

Speaker 4 (59:01):
Bit, you need help?

Speaker 1 (59:03):
And this is not just for women, right this, this
is for everybody whoever's listening. Couple up.

Speaker 4 (59:08):
That's one way to battle inflation.

Speaker 1 (59:11):
Right. Of course, saving money another thing. Call these credit
card companies. If you owe anybody any money. Everything in
life is negotiable, negotiable everything. Call them see if you
can get a lot of interest rate if you don't
have to take my way right to do some shit.
But if you don't have it, you don't have it.

(59:34):
And it's not that I don't have it. Y'all can
have it.

Speaker 3 (59:39):
My last last is stop spending on frivolous bullshit trying
to keep up with the joins. Isn't trying to look
a certain way or be validated by.

Speaker 1 (59:49):
Things social media?

Speaker 3 (59:51):
Don't let yeah, yeah, don't allow these things to validate you.
Your work is not aligned with how much stuff you got,
How good are you as a person?

Speaker 2 (59:59):
Are you a good person? Are you healthy?

Speaker 3 (01:00:01):
Are your friends and family healthy? Are you making positive
connections with people?

Speaker 2 (01:00:04):
That's where your value lies, you know, not in the
things that you have.

Speaker 3 (01:00:09):
So yeah, fuck that stuff and save your money and
be kind and be good to people.

Speaker 2 (01:00:16):
That's my last last period period period poop.

Speaker 1 (01:00:20):
Look at us.

Speaker 4 (01:00:21):
Giving a little slight financial advice.

Speaker 1 (01:00:25):
Alright, y'all listen if you enjoyed this episode, because these
motherfuckers trying to put me on this hotel. If you
enjoyed this episode, y'all tune in every Thursday on The
Black Effect podcast. iHeartRadio apple Way, but though fuck you
get your podcasts. That is your co host, aj Holiday
two point oh, hailing all the way from Saint Martin
Stratton on a motherfucker island. I probably should have got

(01:00:46):
on tender livet sight and see what was popping.

Speaker 4 (01:00:48):
Anyway, what's up, tam Bam.

Speaker 3 (01:00:51):
You did right by keeping your ass off of there,
crazy ass girl, y'all.

Speaker 2 (01:00:56):
It's official, Tam Bam. I love y'all.

Speaker 3 (01:00:58):
Follow me on Instagram, send us your dumb bitch stories.
It's hide outside. I know y'all been doing some shit.
It's it's ninety five it's seven pm, Friday, ninety five degrees.
That's my favorite shit right now, y'all, that's my favorite shit.

Speaker 2 (01:01:11):
I love y'all.

Speaker 3 (01:01:11):
Remember speak now and never hold your peace hold your
money though, period,