December 23, 2024 • 61 mins
Originally aired July 11th, 2024
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. Lets discuss!
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
What's up, y'all? Think you for tuning in for a new.
Speaker 2 (00:04):
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.
Speaker 1 (00:17):
Okay, at least I'm in Paradise.
Speaker 3 (00:20):
What's up, tam Bam. I about to say, that's a
good place to be. Stun You could be in Iowa,
shout out to her.
Speaker 1 (00:28):
Ain't nobody and I are listening to this shit. They
don't even know black people exist.
Speaker 3 (00:32):
Hey, y'all, it's Utan band. I love y'all. Thank y'all
for tuning in again. All right, tell us about your
weekid girl, cuz you know in Paradise.
Speaker 1 (00:41):
So, y'all, I'm still here. I've been here.
Speaker 2 (00:43):
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 give it put together a little real
for y'all content, Because I got a little tiny bit
(01:06):
of content. My back is a little bigger. Okay, since
I've been on vacation, it's supposed to be on vacation now.
Speaker 1 (01:13):
Eating a bunch of Johnny Cakes. Don't I look pregnant?
Look how big my noses?
Speaker 3 (01:19):
Cake?
Speaker 1 (01:20):
It's just like fried bread, bitch.
Speaker 2 (01:22):
Okay, it's just like a you never had a Johnny cakes,
like from the Jamaican restaurants.
Speaker 4 (01:26):
And ship my festival.
Speaker 1 (01:29):
It's like festival.
Speaker 2 (01:30):
Yeah, but it's like a flat, little round, spear shaped
piece of goodness fried 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. But if y'all never been to Anguilla,
(01:51):
gold Man, it's a really nice island. It's a chill island.
If you're trying to it, it is expensive. I feel
like all the island's expensive, then you're right. Jamaica is Yeah, like.
Speaker 1 (02:02):
We think it's gonna be cheap when we get that.
Speaker 2 (02:04):
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.
Speaker 4 (02:13):
For a month month, right, that's it. But you're right,
the islands are expensive.
Speaker 1 (02:19):
Yeah.
Speaker 2 (02:19):
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 4 (02:31):
What did I do this weekend? Shit? I ain't doing 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.
Speaker 4 (02:53):
And that was it. I ain't do Did I do
anything else? Hell no, that was it all. My niggas
was out of town on vacation. On vacation.
Speaker 3 (03:08):
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 2 (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 a word. 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.
Speaker 4 (03:39):
I said, stay in the room.
Speaker 2 (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, Let's.
Speaker 3 (03:54):
Get it, and you know what, let me say this
because this is one of our avid listeners and she's
a huge supporter of the show on Instagram.
Speaker 4 (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 Casey.
(04:26):
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 saw 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 (04:48):
Yeah.
Speaker 1 (04:49):
Man, you gotta be careful out here.
Speaker 2 (04:51):
God damn, I hate hear and stuff like that because
it's like no closure until the right.
Speaker 1 (04:58):
Yeah.
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 2 (05:09):
You beat your data because they be really stealing women
like cookies.
Speaker 4 (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.
Speaker 4 (05:18):
Motherfucking y'all gonna find.
Speaker 1 (05:20):
Did my location ever come over to you?
Speaker 2 (05:23):
No?
Speaker 3 (05:23):
It did not.
Speaker 4 (05:24):
That's why I was like, where you at?
Speaker 3 (05:27):
Like you?
Speaker 1 (05:28):
I sent it to my low one for one hour.
Speaker 2 (05:37):
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 didn't an
hour to test it out. Bitches, ain't ship y'all in
(05:59):
a 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 1 (06:19):
Shout out to Ken Drack, big Jemini 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 4 (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 2 (06:56):
Let me find out Drake feeling defeated a little bit,
go to that white party.
Speaker 1 (07:01):
Get some white energy right quick.
Speaker 4 (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. But who knows.
Maybe he was on the bender. It was party time,
you know, not a bender.
Speaker 1 (07:14):
He looked regular to me.
Speaker 2 (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. It's a big before Yes,
he looks like that puppy to me. Dog that Yeah,
he always just looked like a little puppy to me,
(07:37):
Like he just had the droopy eyes and shit.
Speaker 1 (07:40):
Like he looked regular to me.
Speaker 2 (07:42):
I don't know, 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 3 (07:49):
The video is before Time, what you're talking about. I
can't think of the name of that movie movie Time.
It's something like that.
Speaker 4 (07:59):
But that ain't it because the lamb before Time is
something else.
Speaker 1 (08:03):
Big flying dog.
Speaker 2 (08:05):
I put that in Google and my service is so
fucking never ending story. What did I say in the
land before Time? You said a lamb before time?
Speaker 3 (08:17):
Yeah, you ain't say, no, no name the never end
the story. Yeah, that's it, you said ship. You just
say he looked like that white dog.
Speaker 2 (08:24):
No initially, Okay, we it's recorded, y'all. Can hear if
I say it or not?
Speaker 1 (08:29):
I don't remember. Yeah, anyway, Yeah.
Speaker 2 (08:33):
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. I bet that ship look crazy.
Speaker 1 (08:48):
Redo it.
Speaker 4 (08:49):
Yeah, a good movie to redo.
Speaker 2 (08:51):
Actually, I really enjoyed the Kendrick Lamar's video. He had
a lot of gems in there. So she 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.
Speaker 1 (09:07):
He can't.
Speaker 2 (09:08):
Why why anybody could be a black historian if you
fucking study the hell is wrong with people? Like, I'm
so sick of black people. They 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 1 (09:25):
The Lost City.
Speaker 2 (09:26):
Okay 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
(09:49):
every time a next new hot artist comes out. It's
like a barter a bartering system.
Speaker 4 (09:56):
Yeah, they ain't bad for them.
Speaker 3 (09:57):
They have Drake on their shit though, But do you
feel his light has dimmed some since this?
Speaker 2 (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
they 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 2 (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?
Speaker 1 (10:50):
It's a question.
Speaker 2 (10:50):
Yeah, I don't think so. I don't think so. But
shout out to Kendrick Lamar.
Speaker 4 (10:58):
I appreciate how.
Speaker 3 (11:01):
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 (11:11):
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 4 (11:23):
I loved it and also scared.
Speaker 1 (11:27):
Why are you scheduling trip up? I know, my goofy ass.
Speaker 3 (11:30):
But no, I ain't scared of trip, but I'm scared somebody.
You know, they coping different out there, Like what set
you claiming?
Speaker 4 (11:36):
Bitch?
Speaker 1 (11:37):
Can you crip walk for real?
Speaker 3 (11:38):
Though?
Speaker 1 (11:39):
Can you really do that? I don't have enough coordination
for none of that shit.
Speaker 4 (11:43):
Yeah I can do that.
Speaker 1 (11:45):
I want to see.
Speaker 4 (11:47):
I'm supposed video crop walk challenge when I.
Speaker 2 (11:51):
Get Whitney also had a little special guest appearance hearing
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 what people don't I don't understand and why why
(12:12):
people don't get it? The album was not about Kendrick
Lamar's life. It was actually about the morale or the people.
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.
(12:36):
She probably just down for the family.
Speaker 1 (12:38):
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 4 (12:48):
What that lady is?
Speaker 3 (12:48):
They be like, oh, she never showed up like that,
so never never bea ginging to you.
Speaker 4 (13:01):
Camp the Auntie's Day first episode, Oh my.
Speaker 1 (13:05):
God, I saw clips.
Speaker 4 (13:08):
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, they get that thirty
minutes done. Baby, I watched Baddi's and now I got
some new shit to watch.
Speaker 2 (13:23):
Did you see I didn't see the video, I mean
the episode.
Speaker 1 (13:26):
You watched the actual episode?
Speaker 4 (13:29):
Oh no, not yet. No, I'm saving it for the
stair Climber.
Speaker 1 (13:32):
Yeah. I only saw the clip.
Speaker 2 (13:34):
And I saw the clip of Tokyo Tony showing her
Kouchi to the game.
Speaker 1 (13:40):
Did you see that? No, she's such a fucking like.
Speaker 2 (13:45):
The thing is is like, I like Tia Camp and
I like Tokyo Tony. I don't really know about Blueface
Mom like that, Like she just she just gives super
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
(14:06):
she survived her mama. I don't know how to fuck
she survived Tokyo.
Speaker 1 (14:10):
Tony, but she did.
Speaker 2 (14:12):
And Tokyo Tony, she really hate Black China. She just
a fucking she'd 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 4 (14:30):
She pulls her kuchi out.
Speaker 2 (14:31):
It's crazy, talked her leg open on the couch on
one of the videos.
Speaker 1 (14:36):
It's a clip out there.
Speaker 4 (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 Uh 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 4 (15:01):
And here's my thing.
Speaker 3 (15:03):
The last time you got on the internet talking about
a woman and.
Speaker 4 (15:07):
What she needed to look like.
Speaker 3 (15:09):
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 women like, we don't need eyelashes. We don't need
your opinion honestly about our eyelashes. People want are gonna
(15:32):
wear what they want to wear. If they want to
wear eyelashes, let them.
Speaker 2 (15:36):
First of all, I need my motherfucking eyelashes. I don't
know what the hell he talking about.
Speaker 1 (15:41):
They're like a craziest hell.
Speaker 2 (15:43):
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.
Speaker 1 (15:55):
You don't need to be that fucking big. What's that?
Speaker 3 (15:57):
What?
Speaker 1 (15:57):
Your skin?
Speaker 3 (15:58):
You know?
Speaker 1 (15:58):
The skin is your biggest org.
Speaker 2 (16:00):
So I can only imagine what the inside of that
big body looking like. Because his skin looks explorable, let's
talk about that. What really is a dermatologist?
Speaker 3 (16:11):
He got really bad dark circles under his eyes, but
that might be hereditary under his thighs eyes. I ain't
seeing that, nigga thighs.
Speaker 1 (16:19):
Don't put that out. 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 4 (16:27):
So I'm not gonna girl.
Speaker 2 (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
(16:49):
lot of women who don't wear lashes.
Speaker 3 (16:51):
A lot. I ain't got on nothing right now, Curry,
I might not put on.
Speaker 2 (16:56):
And I put mine on this morning for Tenny like
I did that.
Speaker 1 (17:01):
Thank you girlfriend, period.
Speaker 2 (17:03):
But Mayo fucking business, grown sack of shit. I don't
like that dude.
Speaker 1 (17:08):
Okay.
Speaker 2 (17:08):
Anytime I see him on anybody's platform, I'm disgusted, Like,
why do y'all still have conversations with this guy?
Speaker 1 (17:15):
Why?
Speaker 3 (17:15):
Yeah, he doesn't seem to be a very Those videos
weren't dodgy.
Speaker 2 (17:19):
Those videos were exactly what the fuck those videos were
and if anybody wants to see him, I'm not spreading
child pornography.
Speaker 1 (17:30):
But this is out there.
Speaker 2 (17:31):
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 1 (17:38):
You can find him airy spirits. That dude's a problem.
Speaker 4 (17:42):
Yeah, I agree. Well, let me tell y'all.
Speaker 3 (17:47):
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 Instacart
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 dollars
(18:10):
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 and
(18:31):
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 1 (18:40):
Back, all right, y'all.
Speaker 2 (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.
Speaker 1 (18:53):
Is escaping it.
Speaker 2 (18:55):
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 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
(19:18):
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 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. You can't tell me this is organic inflation,
(19:42):
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 disruption in supplies,
and we saw this with groceries and shit like that,
(20:04):
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 1 (20:17):
Who knows.
Speaker 2 (20:20):
Global energy prices jumped following Russia's invasion of Ukraine, so
that's another thing.
Speaker 1 (20:25):
We got gas inflation, the price of gas.
Speaker 2 (20:29):
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
they blame in other people. Let's talk about the United States.
Speaker 4 (20:45):
Mm hmmm.
Speaker 2 (20:46):
So basically, inflation erodes purchasing power essentially.
Speaker 4 (20:52):
Baby, don't it.
Speaker 3 (20:56):
The fuck going on?
Speaker 1 (20:58):
So what what do you do?
Speaker 3 (21:00):
You personally to combat inflation in your household.
Speaker 1 (21:06):
So one of the things I have started doing is.
Speaker 3 (21:10):
Getting a man. That's what I need to do because
I need this need to be a two income household.
Speaker 2 (21:16):
Yeah, Like, if y'all don't realize this life is based
off of double occupancy, you better get you a nigga.
Speaker 1 (21:23):
Like, everybody gonna start pairing up real quick.
Speaker 2 (21:26):
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.
Speaker 1 (21:30):
Need a man.
Speaker 2 (21:31):
Everybody gonna be pairing up very soon. So, yes, I
did get a refurbished relationship. And here I am bitch
splitting bills. Absolutely, they 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 pekito
because that shit is fucking nerve wrecking. But I bought
(21:55):
a app y'all should download it is id otta. They
have all these You connect your checking account to it
and they tell.
Speaker 1 (22:04):
You, like what stores have the deals.
Speaker 2 (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.
Speaker 1 (22:19):
Harris Teeter is a good place to do this type
of shit.
Speaker 2 (22:22):
But y'all can go on YouTube and just type in
couponing and there's a lot of people who 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 awards on different items you buy,
(22:43):
so especially the daily household shit. I hate spending money
on like toilet tissue, paper towels.
Speaker 3 (22:48):
It's so detergent, and so I definitely started coupon in
this year. It ma'd be kind of fun too, Like
you cut your little clip, your little couper's you gotta
take the ad out the store, 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
(23:09):
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 still four ninety eight is a
bit it's better than the twenty five dollars it was
gonna be. So I definitely started doing that shit exactly.
Speaker 2 (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.
Speaker 1 (23:41):
Buy that shit and put it on a Facebook marketplace.
Speaker 3 (23:43):
Book marketplace offer up.
Speaker 2 (23:46):
Because sometimes when I'm looking for certain shit, like I'll
go in there.
Speaker 1 (23:50):
See see who's selling what?
Speaker 3 (23:52):
Right?
Speaker 2 (23:53):
I agree, I stay balling the budget. Y'all heard me
just say, I fly. I flew on the fucking companion pass.
Speaker 1 (23:59):
Okay.
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.
Speaker 1 (24:13):
Right now.
Speaker 3 (24:14):
It's a crap shoot. Yeah, that is a crap shoot.
But if you can travel, but when you win, you
win big.
Speaker 4 (24:20):
So yeah, yeah, so I get that. If you can
travel on the buddy pass y'all, get y'all a buddy pass.
Don't buy the plane ticket.
Speaker 1 (24:28):
Stick to you high?
Speaker 4 (24:29):
What else do you do?
Speaker 2 (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 little 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 cellphone, 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 4 (25:18):
Yeah, you will get some shit that you don't need.
I like to. So what I've done is I've been
doing Factor meals.
Speaker 3 (25:28):
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 seven meals for like seventy bucks.
Speaker 4 (25:41):
Wow, that's cheap.
Speaker 1 (25:44):
Are they tasty?
Speaker 4 (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. But
it ain't bad. Like it is delicious. I add a
little season and I like to do a little judge
to it to make it like real flavorful. And then
I do that and then I my week. It would
be simple. I order. I know, I'll go get like
five of those salad kids, a pack of chicken, and
(26:16):
I have a protein shape for breakfast, a salad kit
for lunch, and a Factor 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 am. That's a plus of inflation, okay,
(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.
So I like shopping at Trader Joe's. Whole Foods, I
don't go there no more.
Speaker 1 (26:57):
That's Whole Check.
Speaker 4 (26:58):
I stop going to Whole Foods like that. 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 2 (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 1 (27:26):
I don't know, so okay, So like.
Speaker 2 (27:29):
Cleaning supplies and laundry detergent again, like Publix 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.
Speaker 1 (27:47):
Yeah, so that's usually once a month they have that.
Speaker 2 (27:50):
So that's usually when I buy my detergent and stuff
like that and get that fifteen dollars back, and the
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 children and to have a real
(28:11):
life experience with.
Speaker 1 (28:13):
Dealing with inflation, because it's not just you you're.
Speaker 3 (28:15):
Responsible for right when you have kids, it's a whole
different ball.
Speaker 4 (28:19):
Game because clothes.
Speaker 1 (28:20):
School's coming back up, like.
Speaker 3 (28:24):
They gotta get school supplies. Maybe we should do like
a drive a drive for school supplies for kids.
Speaker 4 (28:31):
In our community or something like that. 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 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. Mm hmm.
Speaker 1 (29:01):
The maintenance girls, what the fuck are y'all bitch is doing?
Speaker 2 (29:04):
Because I do most of my own maintenance, and 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 scratching that man. Shut you scratching that man up
in that bed.
Speaker 4 (29:17):
You can't know the bid.
Speaker 1 (29:19):
No going making sure.
Speaker 2 (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 a very
little maintenance. I do my own hair. Like I'm start
I'm gonna start paying for maintenance though I.
Speaker 1 (29:38):
Think I.
Speaker 4 (29:41):
Waxing. I start waxing.
Speaker 3 (29:45):
Work from I was like so for real all year,
like from the beginning of year till now.
Speaker 4 (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.
Speaker 4 (29:58):
I ain't like it's just you. I 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. But
it is the summertime. It do got too hot for that,
so I went and got a bikini there and I
use that. I mean, it's cool, it's not like baby
smooth like wax. But I mean, ain't nobody like what
(30:22):
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,
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 2 (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 4 (30:58):
Right exactly.
Speaker 1 (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 2 (31:09):
And that's what people are. That's what a lot of
people are missing. Like even on social media, y'all think
these people have all this shit and they don't.
Speaker 1 (31:16):
We don't him being honest, motherfucker, is not be They
be wearing fake bags, fake shoes.
Speaker 2 (31:22):
Meanwhile you trying to spend your whole tax return on
a real bag. Okay, these bitches is around here with
all the fake burkins. Everybody can't to buy a burkin.
Speaker 1 (31:32):
Y'all know that.
Speaker 2 (31:33):
Everybody don't have access to buy no fucking burkin for real,
and even like in places like the real real, like
you still spending thirty thousand dollars on a bag?
Speaker 1 (31:44):
Y'all think they really doing that? That shit?
Speaker 3 (31:48):
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. Thirty thousand
dollars on a bag don't sound like it, don't.
Speaker 1 (31:59):
It don't sound like future exactly.
Speaker 2 (32:01):
I mean, well, the bags and watches and stuff like that,
they do hold their 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.
Speaker 1 (32:29):
In that moment, you know, like what you're carry water?
Speaker 4 (32:34):
Right Like?
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.
It's I used to, I don't get me wrong. If
y'all my birthday coming, if y'all want to send me
a nice bag.
Speaker 4 (32:51):
I'm going to.
Speaker 1 (32:52):
Take it, but you ain't buying it, bitch.
Speaker 3 (33:00):
Ain't buying none of that ship. Yeah, it's not the
season for that.
Speaker 2 (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.
Speaker 1 (33:17):
Be real that lady bought all her.
Speaker 2 (33:19):
Bags from the goddamn the Atlanta like flea market, all
of them.
Speaker 3 (33:25):
Yeah. 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
gets all his ear rings from Claeres because people going
to just assume his diamonds is real, ea, because of
who he is and what he do.
Speaker 1 (33:43):
Yeah, once your reputation precedes you, Like.
Speaker 3 (33:48):
I was like, I can go to Claires myself, Baby,
you ain't gotta go.
Speaker 2 (33:54):
That's a smart man. And I bet you he still
has his You said NFL.
Speaker 1 (33:59):
He's still got his NFL money.
Speaker 4 (34:02):
He's probably. Yeah, he's still very successful. Man.
Speaker 2 (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.
Speaker 1 (34:20):
You don't notice signs of business. You don't know nothing
about money.
Speaker 2 (34:23):
If you think you're just supposed to spend it because
you have it, the more money you have, the more
people you also taken care of as well.
Speaker 4 (34:30):
That's true.
Speaker 2 (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 buy the dip on all the shit.
Speaker 1 (34:42):
I'm mad at myself right now.
Speaker 2 (34:44):
I didn't get into the video, like motherfuckers really became
millionaires off the video in the last twelve months if
you would have been things properly.
Speaker 3 (34:54):
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 he had when we broke up.
Speaker 4 (35:16):
I think he had like at.
Speaker 3 (35:18):
Least ten bitcoin. Wow, because it was so cheap back
then so now, yeah, yeah, he up. You if he
held onto it, he's definitely up. So kudos to you
for being smart with it.
Speaker 4 (35:33):
You know.
Speaker 2 (35:34):
Well, I'm not a financial advisor, but I would suggest
people to research XRP ripple.
Speaker 1 (35:41):
That's a that's a cryptocurrency.
Speaker 2 (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 thing 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 4 (36:39):
So I'm gonna go buy me a dollar's worth.
Speaker 1 (36:43):
Two forty three cents, y'all.
Speaker 3 (36:51):
Just buy me to and forget about it and see
what it turned into in a couple of years.
Speaker 1 (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 know what the fuck
to do the whole I'm gonna share this list with y'all,
but it says first, review your budget, which is basically
what we were saying, like, analyze what you have and analyze.
Speaker 4 (37:24):
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.
Speaker 4 (37:34):
If you don't have a budget, it's time to create one.
Speaker 3 (37:38):
So ladies and gentlemen, look at your money and really
sit down and analyze that shit and see where it's
going becuz you spend it too much on door dash. Bitch,
I know it's somebody listening, Like, damn she talking to me. Yes, bitch,
I'm talking to you.
Speaker 1 (37:53):
Stein.
Speaker 2 (37:53):
I was talking to your ass earlier this year about
that goddamn door dash. I saw there was a post
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.
Speaker 1 (38:13):
Like I'm going to get my own food. I don't
want nobody.
Speaker 2 (38:16):
It's bad enough if somebody else is cooking it, right,
you know how I am about food. Now I gotta
depend on this person driving my shit to my fucking house.
Speaker 4 (38:25):
It's so convenient.
Speaker 3 (38:26):
It's so convenient.
Speaker 1 (38:27):
I understand why y'all like it much. It's too much much.
Speaker 2 (38:33):
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 getting 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 had 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
(39:05):
to a different line vi P.
Speaker 4 (39:09):
I'm spending too much with y'all.
Speaker 3 (39:10):
I spending too much money with your motherfuckers. I'm a
VIP at door Dash, So that's what I changed my life.
Speaker 1 (39:20):
I was like, you know what off your VIP bitch?
Speaker 2 (39:23):
I seen another post that said am I the DoorDash
person must have messaged the guy was like, can you
meet me downstairs at the gate?
Speaker 1 (39:30):
And he was like, is this uh at the gate?
Speaker 3 (39:35):
Right?
Speaker 1 (39:38):
I remember I got into it with a door dash bitch.
Speaker 3 (39:40):
I was the car.
Speaker 1 (39:42):
What the car?
Speaker 3 (39:44):
Bring your big back downstairs and get your own lunchable, bitch.
I was like, you little roach.
Speaker 4 (39:51):
She looked like a roach.
Speaker 3 (39:54):
All right now for they get you like Cardi B.
Because roaches. I'm just that was bad at Cardi B
because she's you know, I'm real black girl. That girl
looked like she had two pieces of hair that looked
like they were standing up like some fucking antennamach.
Speaker 1 (40:16):
Gonna call me, big bag bitch, bring my ship to
my door?
Speaker 2 (40:19):
Right.
Speaker 3 (40:20):
Number two on the list diversify your income. So it
says when inflation is high, finding ways to cut and
save is important, but so is increasing your income. Diversifying
your income to include a side hustle, a part time
job can help you keep up with rising calls.
Speaker 1 (40:36):
They're just trying to find ways for people not to live.
Speaker 2 (40:39):
Because what 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?
Speaker 1 (40:47):
Right?
Speaker 4 (40:48):
Like, be a whit.
Speaker 1 (40:49):
Shit is fucking free. This earth is free.
Speaker 2 (40:53):
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 4 (41:10):
It's all around.
Speaker 1 (41:11):
Us Wi Fi.
Speaker 2 (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 ninety nine dollars to one phone.
Speaker 1 (41:29):
To me, it's already expensive. My shit has went up
one hundred, one hundred and forty dollars. Verizon.
Speaker 2 (41:35):
Okay, I've been a customer since my freshman year at
fucking college.
Speaker 1 (41:39):
Okay, man, let me say you.
Speaker 3 (41:41):
I call them people, 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 do every every bill cycle. Why is it this much? Well, ma'am,
you didn't pay for Jude.
Speaker 1 (42:04):
Oh okay, I actually all that.
Speaker 3 (42:07):
Make it makes sense 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
get it? Girl? Life is stressful?
Speaker 2 (42:19):
Like listen, 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.
Speaker 2 (42:28):
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 and I guess I haven't really been
in the rat race per se. Since I got laid
off from work in twenty seventeen. I've been figuring it
(42:48):
the fuck 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.
Speaker 1 (43:00):
That's not living.
Speaker 3 (43:02):
Yeah, 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 1 (43:14):
God, what you have done?
Speaker 4 (43:15):
For others, see fear for me, layd at mercy Man.
Speaker 1 (43:18):
That's a job.
Speaker 2 (43:19):
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 1 (43:29):
So yeah, he makes the money. But I'm not.
Speaker 4 (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.
Speaker 4 (43:39):
And maids and and they don't have to work. That's
what I aspired to you.
Speaker 2 (43:43):
You got a nanny, You still want to care about
your kids. You want them to 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, where your ass here,
a little.
Speaker 1 (43:54):
Nigga, But you gotta learn my mom. I wasn't queen ee.
Speaker 3 (44:04):
No all right, but no, listen. 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 4 (44:25):
With these toddlers.
Speaker 3 (44:28):
We took them to the movies the other day.
Speaker 4 (44:30):
Baby, they took me through it, Honey.
Speaker 3 (44:32):
That the little one, little one is not She's like,
you're scared of him.
Speaker 1 (44:36):
I was like, yes, just got your ass shook all right.
Speaker 3 (44:44):
Number three pay down high interest in no, so thanks, tim, bitch.
Speaker 2 (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 1 (45:00):
Know how to fix credit debt? I'm know how to
fix debt.
Speaker 3 (45:04):
Right.
Speaker 2 (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 that actually makes money? Mm hmm, y'all ain't making
(45:26):
them more money off my motherfucking debt.
Speaker 1 (45:27):
Y'all can have that ship. I'll figure it out. On
the back end.
Speaker 2 (45:32):
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 ship off and
when the creditors.
Speaker 1 (45:46):
Aren't trying to work with you, when they they too
are in debt. Boyuck boyfuck you.
Speaker 3 (45:55):
Well, if y'all don't want to go a j rowl,
let me tell y'all were it says? Uh? Thanks 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
(46:16):
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 your balances before the
end of the introductory rate, which is off just 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
(46:36):
a transfer fee or annual fee involved. So, I mean
that's an option you guys to like.
Speaker 2 (46:43):
That is not an option, 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 but you'll want to have that debt.
Fuck that debt. Okay, fuck that debt, y'all. Tell y'all,
(47:03):
y'all gonna.
Speaker 1 (47:04):
Have no house. Fucking Look my credit score good? Okay,
Like I said, fuck that debt. Y'all want some pointers,
hit me up.
Speaker 2 (47:13):
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, and
you've been like not really liking black people.
Speaker 3 (47:26):
Five. 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
(47:46):
to pay expensive 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 punk.
Speaker 2 (47:56):
Listen, they are asking people to save money that they're
not 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.
Speaker 3 (48:32):
So hardly might not exist by the time we.
Speaker 2 (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. And what you're saying essentially is
(48:54):
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 yon time,
where a credit union shut down and the and the
members came for their money and they couldn't get it.
Speaker 3 (49:15):
It was like get it back in blood.
Speaker 2 (49:18):
But why would I pay this fucking credit card? Get
it back of blood?
Speaker 4 (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 You'll 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.
In 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 look, change in
the drawer something, bitch.
Speaker 4 (50:08):
Don't just be out here with nothing.
Speaker 2 (50:10):
Holding on to Fiat currency is never going to be there.
It's like holding on to paper money ended a mattress,
like what happens when that currency no longer has value.
Speaker 1 (50:22):
So if anything, I would say, buy you some.
Speaker 2 (50:24):
I mean it's not long term investments are always going
to be better than some short.
Speaker 4 (50:30):
Term just having it sitting, yeah, citting money in account.
Speaker 2 (50:33):
Like gold, but with the actual precious metals and stuff
like that. If you going to invest in anything for real,
for the future, it would be.
Speaker 1 (50:41):
That it would be that.
Speaker 4 (50:43):
Yeah, that's what that would be.
Speaker 3 (50:44):
If you have a couple couple of dollars, 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 1 (50:53):
And what's the highest they want to give? What's the interest?
Speaker 2 (50:56):
Uh, let me look up a bank and see what
is the current interest rate on a savings account in
high Okay, go ahead, I'll come back 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.
Speaker 2 (51:45):
Once you buying like I'm sick of buying nasty ass mangos.
I'm sick of buying nasty as 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.
Speaker 1 (51:58):
She needed to me too.
Speaker 3 (52:01):
I am one. 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 it back.
Speaker 4 (52:16):
I don't get one peach. Hi, good morning.
Speaker 3 (52:19):
I bought this peach yesterday. I bought this peach four
days ago, and look.
Speaker 4 (52:25):
At it now.
Speaker 2 (52:26):
I need my gas money back for having to come
drive back over here. I also need that back now.
One thing Harry 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.
Speaker 1 (52:40):
I like that.
Speaker 2 (52:41):
Yes, yeah, me too, because me buying like a whole
twenty dollars fucking red snapper and get home and the
shit is fucking bad, I gotta now drive back to
your establishment to return it.
Speaker 1 (52:53):
You just gonna get me back the same money.
Speaker 2 (52:55):
No, not just high as inflation, right, I like that too.
Speaker 4 (53:01):
Another thing that says is batch errands.
Speaker 3 (53:05):
So with the price of gas, commuting or running multiple
errands 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.
Speaker 4 (53:22):
Meal every day.
Speaker 1 (53:24):
Yeah that's me especially, Yeah, for real, I do whatever.
Speaker 2 (53:32):
I'm a cook, I tend to go to the grocery
store to get it for that day.
Speaker 1 (53:37):
I don't really like story. I'm freezing stuff.
Speaker 3 (53:40):
You know, 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.
Speaker 4 (53:56):
Protect you against inflation.
Speaker 3 (53:58):
What seys TIPS apart from other government rent securities is
that the principle is not fixed. Instead, it can go
up and down with inflation, as measured by the Consumer
Price Indets 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
(54:19):
justice principle or the original value. So the benefit is
you never risk losing your initial principal investment. I've never
heard of that.
Speaker 1 (54:28):
I'm gonna have to look into that.
Speaker 4 (54:30):
Yeah, so y'all look up tips.
Speaker 3 (54:33):
And then lastly it says speak to a financial advisor,
get your someone who can help you manage your money.
But you got to pay, yeah, like we got to
pay them to So I mean that's if you can
afford to, you know, pay somebody to.
Speaker 4 (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.
Speaker 2 (55:01):
If it's in the budget YouTube university, figure it out yourself.
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
(55:22):
certain amount of money, like what are you really advising
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, I don't know.
Speaker 2 (55:35):
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.
Speaker 1 (55:52):
That's not a lot of money.
Speaker 2 (55:53):
Depend depending on how much money you're actually putting into
this state into the savings account.
Speaker 1 (55:58):
It's really not a lot of money. Now, I'm gonna
tell y'all.
Speaker 2 (56:02):
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 I've lost. Right that to me,
(56:28):
you don't got a higher 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 getting in the S and P
(56:48):
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 after the market opens and fifteen minutes
(57:13):
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 sign up for TD was not TD
Ameritrade anymore.
Speaker 1 (57:34):
I'm td Ameritrade.
Speaker 2 (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 trade. And paper trading is like using fake money,
so you can get acclimated and.
Speaker 1 (57:49):
Just try it first before you That's what I want
to money.
Speaker 4 (57:51):
I want to learn, learn how to play with that girl.
Speaker 2 (57:56):
When I tell you there's something like I didnet cried
one day, but then other days.
Speaker 3 (58:03):
I cry a lot of dollar days.
Speaker 1 (58:04):
So it's a.
Speaker 3 (58:06):
Buy some money instead of these niggas.
Speaker 2 (58:13):
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 good regulum.
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 4 (58:40):
What's your last word?
Speaker 3 (58:42):
Oh?
Speaker 1 (58:43):
Last word?
Speaker 4 (58:44):
Couple up?
Speaker 2 (58:45):
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.
Speaker 1 (58:58):
Right, don't get it negga who need help? Bit you
need help?
Speaker 2 (59:03):
And this is not just for women, right this, this
is for everybody whoever's listening.
Speaker 1 (59:07):
Couple up. That's one way to battle inflation. Right.
Speaker 2 (59:13):
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
m h, 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 is and 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 worth is not aligned with how much stuff you got.
How good are you as a person? Are you a
good person? Are you healthy? Are your friends and family healthy?
Are you making positive connections with people? That's where your
value lies. You know not in the things that you have,
So yeah, fuck that stuff and save your money and
(01:00:14):
be kind and be good to people.
Speaker 4 (01:00:16):
That's my last last period.
Speaker 3 (01:00:18):
Okay, period period poof look.
Speaker 1 (01:00:21):
At us giving a little slight financial advice.
Speaker 2 (01:00:25):
All right, y'all listen if you enjoyed this episode, because
these motherfuckers trying to put me ont 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 haling all the way from Saint
Martin Stratton on a motherfucker island. I probably should have
(01:00:45):
got on tender livet sight and see what was popping.
Speaker 1 (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 4 (01:00:56):
It's official, tam Bam. I love y'all.
Speaker 3 (01:00:58):
Follow me on Instagram, seen us your dumb bitch stories.
It's hide outside. I know y'all been doing some shit.
It's it's seven pm, Friday, ninety five degrees. That's my
favorite shit right now, y'all, that's my favorite shit.
Speaker 1 (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
What's up, y'all? Think you for tuning in for a new.
Speaker 2 (00:04):
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.
Speaker 1 (00:17):
Okay, at least I'm in Paradise.
Speaker 3 (00:20):
What's up, tam Bam. I about to say, that's a
good place to be. Stun You could be in Iowa,
shout out to her.
Speaker 1 (00:28):
Ain't nobody and I are listening to this shit. They
don't even know black people exist.
Speaker 3 (00:32):
Hey, y'all, it's Utan band. I love y'all. Thank y'all
for tuning in again. All right, tell us about your
weekid girl, cuz you know in Paradise.
Speaker 1 (00:41):
So, y'all, I'm still here. I've been here.
Speaker 2 (00:43):
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 give it put together a little real
for y'all content, Because I got a little tiny bit
(01:06):
of content. My back is a little bigger. Okay, since
I've been on vacation, it's supposed to be on vacation now.
Speaker 1 (01:13):
Eating a bunch of Johnny Cakes. Don't I look pregnant?
Look how big my noses?
Speaker 3 (01:19):
Cake?
Speaker 1 (01:20):
It's just like fried bread, bitch.
Speaker 2 (01:22):
Okay, it's just like a you never had a Johnny cakes,
like from the Jamaican restaurants.
Speaker 4 (01:26):
And ship my festival.
Speaker 1 (01:29):
It's like festival.
Speaker 2 (01:30):
Yeah, but it's like a flat, little round, spear shaped
piece of goodness fried 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. But if y'all never been to Anguilla,
(01:51):
gold Man, it's a really nice island. It's a chill island.
If you're trying to it, it is expensive. I feel
like all the island's expensive, then you're right. Jamaica is Yeah, like.
Speaker 1 (02:02):
We think it's gonna be cheap when we get that.
Speaker 2 (02:04):
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.
Speaker 4 (02:13):
For a month month, right, that's it. But you're right,
the islands are expensive.
Speaker 1 (02:19):
Yeah.
Speaker 2 (02:19):
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 4 (02:31):
What did I do this weekend? Shit? I ain't doing 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.
Speaker 4 (02:53):
And that was it. I ain't do Did I do
anything else? Hell no, that was it all. My niggas
was out of town on vacation. On vacation.
Speaker 3 (03:08):
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 2 (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 a word. 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.
Speaker 4 (03:39):
I said, stay in the room.
Speaker 2 (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, Let's.
Speaker 3 (03:54):
Get it, and you know what, let me say this
because this is one of our avid listeners and she's
a huge supporter of the show on Instagram.
Speaker 4 (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 Casey.
(04:26):
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 saw 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 (04:48):
Yeah.
Speaker 1 (04:49):
Man, you gotta be careful out here.
Speaker 2 (04:51):
God damn, I hate hear and stuff like that because
it's like no closure until the right.
Speaker 1 (04:58):
Yeah.
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 2 (05:09):
You beat your data because they be really stealing women
like cookies.
Speaker 4 (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.
Speaker 4 (05:18):
Motherfucking y'all gonna find.
Speaker 1 (05:20):
Did my location ever come over to you?
Speaker 2 (05:23):
No?
Speaker 3 (05:23):
It did not.
Speaker 4 (05:24):
That's why I was like, where you at?
Speaker 3 (05:27):
Like you?
Speaker 1 (05:28):
I sent it to my low one for one hour.
Speaker 2 (05:37):
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 didn't an
hour to test it out. Bitches, ain't ship y'all in
(05:59):
a 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 1 (06:19):
Shout out to Ken Drack, big Jemini 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 4 (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 2 (06:56):
Let me find out Drake feeling defeated a little bit,
go to that white party.
Speaker 1 (07:01):
Get some white energy right quick.
Speaker 4 (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. But who knows.
Maybe he was on the bender. It was party time,
you know, not a bender.
Speaker 1 (07:14):
He looked regular to me.
Speaker 2 (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. It's a big before Yes,
he looks like that puppy to me. Dog that Yeah,
he always just looked like a little puppy to me,
(07:37):
Like he just had the droopy eyes and shit.
Speaker 1 (07:40):
Like he looked regular to me.
Speaker 2 (07:42):
I don't know, 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 3 (07:49):
The video is before Time, what you're talking about. I
can't think of the name of that movie movie Time.
It's something like that.
Speaker 4 (07:59):
But that ain't it because the lamb before Time is
something else.
Speaker 1 (08:03):
Big flying dog.
Speaker 2 (08:05):
I put that in Google and my service is so
fucking never ending story. What did I say in the
land before Time? You said a lamb before time?
Speaker 3 (08:17):
Yeah, you ain't say, no, no name the never end
the story. Yeah, that's it, you said ship. You just
say he looked like that white dog.
Speaker 2 (08:24):
No initially, Okay, we it's recorded, y'all. Can hear if
I say it or not?
Speaker 1 (08:29):
I don't remember. Yeah, anyway, Yeah.
Speaker 2 (08:33):
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. I bet that ship look crazy.
Speaker 1 (08:48):
Redo it.
Speaker 4 (08:49):
Yeah, a good movie to redo.
Speaker 2 (08:51):
Actually, I really enjoyed the Kendrick Lamar's video. He had
a lot of gems in there. So she 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.
Speaker 1 (09:07):
He can't.
Speaker 2 (09:08):
Why why anybody could be a black historian if you
fucking study the hell is wrong with people? Like, I'm
so sick of black people. They 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 1 (09:25):
The Lost City.
Speaker 2 (09:26):
Okay 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
(09:49):
every time a next new hot artist comes out. It's
like a barter a bartering system.
Speaker 4 (09:56):
Yeah, they ain't bad for them.
Speaker 3 (09:57):
They have Drake on their shit though, But do you
feel his light has dimmed some since this?
Speaker 2 (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
they 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 2 (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?
Speaker 1 (10:50):
It's a question.
Speaker 2 (10:50):
Yeah, I don't think so. I don't think so. But
shout out to Kendrick Lamar.
Speaker 4 (10:58):
I appreciate how.
Speaker 3 (11:01):
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 (11:11):
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 4 (11:23):
I loved it and also scared.
Speaker 1 (11:27):
Why are you scheduling trip up? I know, my goofy ass.
Speaker 3 (11:30):
But no, I ain't scared of trip, but I'm scared somebody.
You know, they coping different out there, Like what set
you claiming?
Speaker 4 (11:36):
Bitch?
Speaker 1 (11:37):
Can you crip walk for real?
Speaker 3 (11:38):
Though?
Speaker 1 (11:39):
Can you really do that? I don't have enough coordination
for none of that shit.
Speaker 4 (11:43):
Yeah I can do that.
Speaker 1 (11:45):
I want to see.
Speaker 4 (11:47):
I'm supposed video crop walk challenge when I.
Speaker 2 (11:51):
Get Whitney also had a little special guest appearance hearing
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 what people don't I don't understand and why why
(12:12):
people don't get it? The album was not about Kendrick
Lamar's life. It was actually about the morale or the people.
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.
(12:36):
She probably just down for the family.
Speaker 1 (12:38):
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 4 (12:48):
What that lady is?
Speaker 3 (12:48):
They be like, oh, she never showed up like that,
so never never bea ginging to you.
Speaker 4 (13:01):
Camp the Auntie's Day first episode, Oh my.
Speaker 1 (13:05):
God, I saw clips.
Speaker 4 (13:08):
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, they get that thirty
minutes done. Baby, I watched Baddi's and now I got
some new shit to watch.
Speaker 2 (13:23):
Did you see I didn't see the video, I mean
the episode.
Speaker 1 (13:26):
You watched the actual episode?
Speaker 4 (13:29):
Oh no, not yet. No, I'm saving it for the
stair Climber.
Speaker 1 (13:32):
Yeah. I only saw the clip.
Speaker 2 (13:34):
And I saw the clip of Tokyo Tony showing her
Kouchi to the game.
Speaker 1 (13:40):
Did you see that? No, she's such a fucking like.
Speaker 2 (13:45):
The thing is is like, I like Tia Camp and
I like Tokyo Tony. I don't really know about Blueface
Mom like that, Like she just she just gives super
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
(14:06):
she survived her mama. I don't know how to fuck
she survived Tokyo.
Speaker 1 (14:10):
Tony, but she did.
Speaker 2 (14:12):
And Tokyo Tony, she really hate Black China. She just
a fucking she'd 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 4 (14:30):
She pulls her kuchi out.
Speaker 2 (14:31):
It's crazy, talked her leg open on the couch on
one of the videos.
Speaker 1 (14:36):
It's a clip out there.
Speaker 4 (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 Uh 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 4 (15:01):
And here's my thing.
Speaker 3 (15:03):
The last time you got on the internet talking about
a woman and.
Speaker 4 (15:07):
What she needed to look like.
Speaker 3 (15:09):
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 women like, we don't need eyelashes. We don't need
your opinion honestly about our eyelashes. People want are gonna
(15:32):
wear what they want to wear. If they want to
wear eyelashes, let them.
Speaker 2 (15:36):
First of all, I need my motherfucking eyelashes. I don't
know what the hell he talking about.
Speaker 1 (15:41):
They're like a craziest hell.
Speaker 2 (15:43):
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.
Speaker 1 (15:55):
You don't need to be that fucking big. What's that?
Speaker 3 (15:57):
What?
Speaker 1 (15:57):
Your skin?
Speaker 3 (15:58):
You know?
Speaker 1 (15:58):
The skin is your biggest org.
Speaker 2 (16:00):
So I can only imagine what the inside of that
big body looking like. Because his skin looks explorable, let's
talk about that. What really is a dermatologist?
Speaker 3 (16:11):
He got really bad dark circles under his eyes, but
that might be hereditary under his thighs eyes. I ain't
seeing that, nigga thighs.
Speaker 1 (16:19):
Don't put that out. 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 4 (16:27):
So I'm not gonna girl.
Speaker 2 (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
(16:49):
lot of women who don't wear lashes.
Speaker 3 (16:51):
A lot. I ain't got on nothing right now, Curry,
I might not put on.
Speaker 2 (16:56):
And I put mine on this morning for Tenny like
I did that.
Speaker 1 (17:01):
Thank you girlfriend, period.
Speaker 2 (17:03):
But Mayo fucking business, grown sack of shit. I don't
like that dude.
Speaker 1 (17:08):
Okay.
Speaker 2 (17:08):
Anytime I see him on anybody's platform, I'm disgusted, Like,
why do y'all still have conversations with this guy?
Speaker 1 (17:15):
Why?
Speaker 3 (17:15):
Yeah, he doesn't seem to be a very Those videos
weren't dodgy.
Speaker 2 (17:19):
Those videos were exactly what the fuck those videos were
and if anybody wants to see him, I'm not spreading
child pornography.
Speaker 1 (17:30):
But this is out there.
Speaker 2 (17:31):
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 1 (17:38):
You can find him airy spirits. That dude's a problem.
Speaker 4 (17:42):
Yeah, I agree. Well, let me tell y'all.
Speaker 3 (17:47):
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 Instacart
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 dollars
(18:10):
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 and
(18:31):
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 1 (18:40):
Back, all right, y'all.
Speaker 2 (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.
Speaker 1 (18:53):
Is escaping it.
Speaker 2 (18:55):
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 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
(19:18):
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 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. You can't tell me this is organic inflation,
(19:42):
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 disruption in supplies,
and we saw this with groceries and shit like that,
(20:04):
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 1 (20:17):
Who knows.
Speaker 2 (20:20):
Global energy prices jumped following Russia's invasion of Ukraine, so
that's another thing.
Speaker 1 (20:25):
We got gas inflation, the price of gas.
Speaker 2 (20:29):
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
they blame in other people. Let's talk about the United States.
Speaker 4 (20:45):
Mm hmmm.
Speaker 2 (20:46):
So basically, inflation erodes purchasing power essentially.
Speaker 4 (20:52):
Baby, don't it.
Speaker 3 (20:56):
The fuck going on?
Speaker 1 (20:58):
So what what do you do?
Speaker 3 (21:00):
You personally to combat inflation in your household.
Speaker 1 (21:06):
So one of the things I have started doing is.
Speaker 3 (21:10):
Getting a man. That's what I need to do because
I need this need to be a two income household.
Speaker 2 (21:16):
Yeah, Like, if y'all don't realize this life is based
off of double occupancy, you better get you a nigga.
Speaker 1 (21:23):
Like, everybody gonna start pairing up real quick.
Speaker 2 (21:26):
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.
Speaker 1 (21:30):
Need a man.
Speaker 2 (21:31):
Everybody gonna be pairing up very soon. So, yes, I
did get a refurbished relationship. And here I am bitch
splitting bills. Absolutely, they 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 pekito
because that shit is fucking nerve wrecking. But I bought
(21:55):
a app y'all should download it is id otta. They
have all these You connect your checking account to it
and they tell.
Speaker 1 (22:04):
You, like what stores have the deals.
Speaker 2 (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.
Speaker 1 (22:19):
Harris Teeter is a good place to do this type
of shit.
Speaker 2 (22:22):
But y'all can go on YouTube and just type in
couponing and there's a lot of people who 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 awards on different items you buy,
(22:43):
so especially the daily household shit. I hate spending money
on like toilet tissue, paper towels.
Speaker 3 (22:48):
It's so detergent, and so I definitely started coupon in
this year. It ma'd be kind of fun too, Like
you cut your little clip, your little couper's you gotta
take the ad out the store, 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
(23:09):
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 still four ninety eight is a
bit it's better than the twenty five dollars it was
gonna be. So I definitely started doing that shit exactly.
Speaker 2 (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.
Speaker 1 (23:41):
Buy that shit and put it on a Facebook marketplace.
Speaker 3 (23:43):
Book marketplace offer up.
Speaker 2 (23:46):
Because sometimes when I'm looking for certain shit, like I'll
go in there.
Speaker 1 (23:50):
See see who's selling what?
Speaker 3 (23:52):
Right?
Speaker 2 (23:53):
I agree, I stay balling the budget. Y'all heard me
just say, I fly. I flew on the fucking companion pass.
Speaker 1 (23:59):
Okay.
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.
Speaker 1 (24:13):
Right now.
Speaker 3 (24:14):
It's a crap shoot. Yeah, that is a crap shoot.
But if you can travel, but when you win, you
win big.
Speaker 4 (24:20):
So yeah, yeah, so I get that. If you can
travel on the buddy pass y'all, get y'all a buddy pass.
Don't buy the plane ticket.
Speaker 1 (24:28):
Stick to you high?
Speaker 4 (24:29):
What else do you do?
Speaker 2 (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 little 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 cellphone, 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 4 (25:18):
Yeah, you will get some shit that you don't need.
I like to. So what I've done is I've been
doing Factor meals.
Speaker 3 (25:28):
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 seven meals for like seventy bucks.
Speaker 4 (25:41):
Wow, that's cheap.
Speaker 1 (25:44):
Are they tasty?
Speaker 4 (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. But
it ain't bad. Like it is delicious. I add a
little season and I like to do a little judge
to it to make it like real flavorful. And then
I do that and then I my week. It would
be simple. I order. I know, I'll go get like
five of those salad kids, a pack of chicken, and
(26:16):
I have a protein shape for breakfast, a salad kit
for lunch, and a Factor 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 am. That's a plus of inflation, okay,
(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.
So I like shopping at Trader Joe's. Whole Foods, I
don't go there no more.
Speaker 1 (26:57):
That's Whole Check.
Speaker 4 (26:58):
I stop going to Whole Foods like that. 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 2 (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 1 (27:26):
I don't know, so okay, So like.
Speaker 2 (27:29):
Cleaning supplies and laundry detergent again, like Publix 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.
Speaker 1 (27:47):
Yeah, so that's usually once a month they have that.
Speaker 2 (27:50):
So that's usually when I buy my detergent and stuff
like that and get that fifteen dollars back, and the
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 children and to have a real
(28:11):
life experience with.
Speaker 1 (28:13):
Dealing with inflation, because it's not just you you're.
Speaker 3 (28:15):
Responsible for right when you have kids, it's a whole
different ball.
Speaker 4 (28:19):
Game because clothes.
Speaker 1 (28:20):
School's coming back up, like.
Speaker 3 (28:24):
They gotta get school supplies. Maybe we should do like
a drive a drive for school supplies for kids.
Speaker 4 (28:31):
In our community or something like that. 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 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. Mm hmm.
Speaker 1 (29:01):
The maintenance girls, what the fuck are y'all bitch is doing?
Speaker 2 (29:04):
Because I do most of my own maintenance, and 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 scratching that man. Shut you scratching that man up
in that bed.
Speaker 4 (29:17):
You can't know the bid.
Speaker 1 (29:19):
No going making sure.
Speaker 2 (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 a very
little maintenance. I do my own hair. Like I'm start
I'm gonna start paying for maintenance though I.
Speaker 1 (29:38):
Think I.
Speaker 4 (29:41):
Waxing. I start waxing.
Speaker 3 (29:45):
Work from I was like so for real all year,
like from the beginning of year till now.
Speaker 4 (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.
Speaker 4 (29:58):
I ain't like it's just you. I 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. But
it is the summertime. It do got too hot for that,
so I went and got a bikini there and I
use that. I mean, it's cool, it's not like baby
smooth like wax. But I mean, ain't nobody like what
(30:22):
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,
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 2 (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 4 (30:58):
Right exactly.
Speaker 1 (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 2 (31:09):
And that's what people are. That's what a lot of
people are missing. Like even on social media, y'all think
these people have all this shit and they don't.
Speaker 1 (31:16):
We don't him being honest, motherfucker, is not be They
be wearing fake bags, fake shoes.
Speaker 2 (31:22):
Meanwhile you trying to spend your whole tax return on
a real bag. Okay, these bitches is around here with
all the fake burkins. Everybody can't to buy a burkin.
Speaker 1 (31:32):
Y'all know that.
Speaker 2 (31:33):
Everybody don't have access to buy no fucking burkin for real,
and even like in places like the real real, like
you still spending thirty thousand dollars on a bag?
Speaker 1 (31:44):
Y'all think they really doing that? That shit?
Speaker 3 (31:48):
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. Thirty thousand
dollars on a bag don't sound like it, don't.
Speaker 1 (31:59):
It don't sound like future exactly.
Speaker 2 (32:01):
I mean, well, the bags and watches and stuff like that,
they do hold their 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.
Speaker 1 (32:29):
In that moment, you know, like what you're carry water?
Speaker 4 (32:34):
Right Like?
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.
It's I used to, I don't get me wrong. If
y'all my birthday coming, if y'all want to send me
a nice bag.
Speaker 4 (32:51):
I'm going to.
Speaker 1 (32:52):
Take it, but you ain't buying it, bitch.
Speaker 3 (33:00):
Ain't buying none of that ship. Yeah, it's not the
season for that.
Speaker 2 (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.
Speaker 1 (33:17):
Be real that lady bought all her.
Speaker 2 (33:19):
Bags from the goddamn the Atlanta like flea market, all
of them.
Speaker 3 (33:25):
Yeah. 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
gets all his ear rings from Claeres because people going
to just assume his diamonds is real, ea, because of
who he is and what he do.
Speaker 1 (33:43):
Yeah, once your reputation precedes you, Like.
Speaker 3 (33:48):
I was like, I can go to Claires myself, Baby,
you ain't gotta go.
Speaker 2 (33:54):
That's a smart man. And I bet you he still
has his You said NFL.
Speaker 1 (33:59):
He's still got his NFL money.
Speaker 4 (34:02):
He's probably. Yeah, he's still very successful. Man.
Speaker 2 (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.
Speaker 1 (34:20):
You don't notice signs of business. You don't know nothing
about money.
Speaker 2 (34:23):
If you think you're just supposed to spend it because
you have it, the more money you have, the more
people you also taken care of as well.
Speaker 4 (34:30):
That's true.
Speaker 2 (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 buy the dip on all the shit.
Speaker 1 (34:42):
I'm mad at myself right now.
Speaker 2 (34:44):
I didn't get into the video, like motherfuckers really became
millionaires off the video in the last twelve months if
you would have been things properly.
Speaker 3 (34:54):
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 he had when we broke up.
Speaker 4 (35:16):
I think he had like at.
Speaker 3 (35:18):
Least ten bitcoin. Wow, because it was so cheap back
then so now, yeah, yeah, he up. You if he
held onto it, he's definitely up. So kudos to you
for being smart with it.
Speaker 4 (35:33):
You know.
Speaker 2 (35:34):
Well, I'm not a financial advisor, but I would suggest
people to research XRP ripple.
Speaker 1 (35:41):
That's a that's a cryptocurrency.
Speaker 2 (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 thing 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 4 (36:39):
So I'm gonna go buy me a dollar's worth.
Speaker 1 (36:43):
Two forty three cents, y'all.
Speaker 3 (36:51):
Just buy me to and forget about it and see
what it turned into in a couple of years.
Speaker 1 (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 know what the fuck
to do the whole I'm gonna share this list with y'all,
but it says first, review your budget, which is basically
what we were saying, like, analyze what you have and analyze.
Speaker 4 (37:24):
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.
Speaker 4 (37:34):
If you don't have a budget, it's time to create one.
Speaker 3 (37:38):
So ladies and gentlemen, look at your money and really
sit down and analyze that shit and see where it's
going becuz you spend it too much on door dash. Bitch,
I know it's somebody listening, Like, damn she talking to me. Yes, bitch,
I'm talking to you.
Speaker 1 (37:53):
Stein.
Speaker 2 (37:53):
I was talking to your ass earlier this year about
that goddamn door dash. I saw there was a post
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.
Speaker 1 (38:13):
Like I'm going to get my own food. I don't
want nobody.
Speaker 2 (38:16):
It's bad enough if somebody else is cooking it, right,
you know how I am about food. Now I gotta
depend on this person driving my shit to my fucking house.
Speaker 4 (38:25):
It's so convenient.
Speaker 3 (38:26):
It's so convenient.
Speaker 1 (38:27):
I understand why y'all like it much. It's too much much.
Speaker 2 (38:33):
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 getting 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 had 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
(39:05):
to a different line vi P.
Speaker 4 (39:09):
I'm spending too much with y'all.
Speaker 3 (39:10):
I spending too much money with your motherfuckers. I'm a
VIP at door Dash, So that's what I changed my life.
Speaker 1 (39:20):
I was like, you know what off your VIP bitch?
Speaker 2 (39:23):
I seen another post that said am I the DoorDash
person must have messaged the guy was like, can you
meet me downstairs at the gate?
Speaker 1 (39:30):
And he was like, is this uh at the gate?
Speaker 3 (39:35):
Right?
Speaker 1 (39:38):
I remember I got into it with a door dash bitch.
Speaker 3 (39:40):
I was the car.
Speaker 1 (39:42):
What the car?
Speaker 3 (39:44):
Bring your big back downstairs and get your own lunchable, bitch.
I was like, you little roach.
Speaker 4 (39:51):
She looked like a roach.
Speaker 3 (39:54):
All right now for they get you like Cardi B.
Because roaches. I'm just that was bad at Cardi B
because she's you know, I'm real black girl. That girl
looked like she had two pieces of hair that looked
like they were standing up like some fucking antennamach.
Speaker 1 (40:16):
Gonna call me, big bag bitch, bring my ship to
my door?
Speaker 2 (40:19):
Right.
Speaker 3 (40:20):
Number two on the list diversify your income. So it
says when inflation is high, finding ways to cut and
save is important, but so is increasing your income. Diversifying
your income to include a side hustle, a part time
job can help you keep up with rising calls.
Speaker 1 (40:36):
They're just trying to find ways for people not to live.
Speaker 2 (40:39):
Because what 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?
Speaker 1 (40:47):
Right?
Speaker 4 (40:48):
Like, be a whit.
Speaker 1 (40:49):
Shit is fucking free. This earth is free.
Speaker 2 (40:53):
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 4 (41:10):
It's all around.
Speaker 1 (41:11):
Us Wi Fi.
Speaker 2 (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 ninety nine dollars to one phone.
Speaker 1 (41:29):
To me, it's already expensive. My shit has went up
one hundred, one hundred and forty dollars. Verizon.
Speaker 2 (41:35):
Okay, I've been a customer since my freshman year at
fucking college.
Speaker 1 (41:39):
Okay, man, let me say you.
Speaker 3 (41:41):
I call them people, 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 do every every bill cycle. Why is it this much? Well, ma'am,
you didn't pay for Jude.
Speaker 1 (42:04):
Oh okay, I actually all that.
Speaker 3 (42:07):
Make it makes sense 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
get it? Girl? Life is stressful?
Speaker 2 (42:19):
Like listen, 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.
Speaker 2 (42:28):
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 and I guess I haven't really been
in the rat race per se. Since I got laid
off from work in twenty seventeen. I've been figuring it
(42:48):
the fuck 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.
Speaker 1 (43:00):
That's not living.
Speaker 3 (43:02):
Yeah, 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 1 (43:14):
God, what you have done?
Speaker 4 (43:15):
For others, see fear for me, layd at mercy Man.
Speaker 1 (43:18):
That's a job.
Speaker 2 (43:19):
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 1 (43:29):
So yeah, he makes the money. But I'm not.
Speaker 4 (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.
Speaker 4 (43:39):
And maids and and they don't have to work. That's
what I aspired to you.
Speaker 2 (43:43):
You got a nanny, You still want to care about
your kids. You want them to 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, where your ass here,
a little.
Speaker 1 (43:54):
Nigga, But you gotta learn my mom. I wasn't queen ee.
Speaker 3 (44:04):
No all right, but no, listen. 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 4 (44:25):
With these toddlers.
Speaker 3 (44:28):
We took them to the movies the other day.
Speaker 4 (44:30):
Baby, they took me through it, Honey.
Speaker 3 (44:32):
That the little one, little one is not She's like,
you're scared of him.
Speaker 1 (44:36):
I was like, yes, just got your ass shook all right.
Speaker 3 (44:44):
Number three pay down high interest in no, so thanks, tim, bitch.
Speaker 2 (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 1 (45:00):
Know how to fix credit debt? I'm know how to
fix debt.
Speaker 3 (45:04):
Right.
Speaker 2 (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 that actually makes money? Mm hmm, y'all ain't making
(45:26):
them more money off my motherfucking debt.
Speaker 1 (45:27):
Y'all can have that ship. I'll figure it out. On
the back end.
Speaker 2 (45:32):
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 ship off and
when the creditors.
Speaker 1 (45:46):
Aren't trying to work with you, when they they too
are in debt. Boyuck boyfuck you.
Speaker 3 (45:55):
Well, if y'all don't want to go a j rowl,
let me tell y'all were it says? Uh? Thanks 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
(46:16):
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 your balances before the
end of the introductory rate, which is off just 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
(46:36):
a transfer fee or annual fee involved. So, I mean
that's an option you guys to like.
Speaker 2 (46:43):
That is not an option, 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 but you'll want to have that debt.
Fuck that debt. Okay, fuck that debt, y'all. Tell y'all,
(47:03):
y'all gonna.
Speaker 1 (47:04):
Have no house. Fucking Look my credit score good? Okay,
Like I said, fuck that debt. Y'all want some pointers,
hit me up.
Speaker 2 (47:13):
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, and
you've been like not really liking black people.
Speaker 3 (47:26):
Five. 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
(47:46):
to pay expensive 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 punk.
Speaker 2 (47:56):
Listen, they are asking people to save money that they're
not 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.
Speaker 3 (48:32):
So hardly might not exist by the time we.
Speaker 2 (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. And what you're saying essentially is
(48:54):
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 yon time,
where a credit union shut down and the and the
members came for their money and they couldn't get it.
Speaker 3 (49:15):
It was like get it back in blood.
Speaker 2 (49:18):
But why would I pay this fucking credit card? Get
it back of blood?
Speaker 4 (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 You'll 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.
In 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 look, change in
the drawer something, bitch.
Speaker 4 (50:08):
Don't just be out here with nothing.
Speaker 2 (50:10):
Holding on to Fiat currency is never going to be there.
It's like holding on to paper money ended a mattress,
like what happens when that currency no longer has value.
Speaker 1 (50:22):
So if anything, I would say, buy you some.
Speaker 2 (50:24):
I mean it's not long term investments are always going
to be better than some short.
Speaker 4 (50:30):
Term just having it sitting, yeah, citting money in account.
Speaker 2 (50:33):
Like gold, but with the actual precious metals and stuff
like that. If you going to invest in anything for real,
for the future, it would be.
Speaker 1 (50:41):
That it would be that.
Speaker 4 (50:43):
Yeah, that's what that would be.
Speaker 3 (50:44):
If you have a couple couple of dollars, 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 1 (50:53):
And what's the highest they want to give? What's the interest?
Speaker 2 (50:56):
Uh, let me look up a bank and see what
is the current interest rate on a savings account in
high Okay, go ahead, I'll come back 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.
Speaker 2 (51:45):
Once you buying like I'm sick of buying nasty ass mangos.
I'm sick of buying nasty as 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.
Speaker 1 (51:58):
She needed to me too.
Speaker 3 (52:01):
I am one. 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 it back.
Speaker 4 (52:16):
I don't get one peach. Hi, good morning.
Speaker 3 (52:19):
I bought this peach yesterday. I bought this peach four
days ago, and look.
Speaker 4 (52:25):
At it now.
Speaker 2 (52:26):
I need my gas money back for having to come
drive back over here. I also need that back now.
One thing Harry 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.
Speaker 1 (52:40):
I like that.
Speaker 2 (52:41):
Yes, yeah, me too, because me buying like a whole
twenty dollars fucking red snapper and get home and the
shit is fucking bad, I gotta now drive back to
your establishment to return it.
Speaker 1 (52:53):
You just gonna get me back the same money.
Speaker 2 (52:55):
No, not just high as inflation, right, I like that too.
Speaker 4 (53:01):
Another thing that says is batch errands.
Speaker 3 (53:05):
So with the price of gas, commuting or running multiple
errands 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.
Speaker 4 (53:22):
Meal every day.
Speaker 1 (53:24):
Yeah that's me especially, Yeah, for real, I do whatever.
Speaker 2 (53:32):
I'm a cook, I tend to go to the grocery
store to get it for that day.
Speaker 1 (53:37):
I don't really like story. I'm freezing stuff.
Speaker 3 (53:40):
You know, 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.
Speaker 4 (53:56):
Protect you against inflation.
Speaker 3 (53:58):
What seys TIPS apart from other government rent securities is
that the principle is not fixed. Instead, it can go
up and down with inflation, as measured by the Consumer
Price Indets 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
(54:19):
justice principle or the original value. So the benefit is
you never risk losing your initial principal investment. I've never
heard of that.
Speaker 1 (54:28):
I'm gonna have to look into that.
Speaker 4 (54:30):
Yeah, so y'all look up tips.
Speaker 3 (54:33):
And then lastly it says speak to a financial advisor,
get your someone who can help you manage your money.
But you got to pay, yeah, like we got to
pay them to So I mean that's if you can
afford to, you know, pay somebody to.
Speaker 4 (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.
Speaker 2 (55:01):
If it's in the budget YouTube university, figure it out yourself.
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
(55:22):
certain amount of money, like what are you really advising
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, I don't know.
Speaker 2 (55:35):
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.
Speaker 1 (55:52):
That's not a lot of money.
Speaker 2 (55:53):
Depend depending on how much money you're actually putting into
this state into the savings account.
Speaker 1 (55:58):
It's really not a lot of money. Now, I'm gonna
tell y'all.
Speaker 2 (56:02):
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 I've lost. Right that to me,
(56:28):
you don't got a higher 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 getting in the S and P
(56:48):
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 after the market opens and fifteen minutes
(57:13):
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 sign up for TD was not TD
Ameritrade anymore.
Speaker 1 (57:34):
I'm td Ameritrade.
Speaker 2 (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 trade. And paper trading is like using fake money,
so you can get acclimated and.
Speaker 1 (57:49):
Just try it first before you That's what I want
to money.
Speaker 4 (57:51):
I want to learn, learn how to play with that girl.
Speaker 2 (57:56):
When I tell you there's something like I didnet cried
one day, but then other days.
Speaker 3 (58:03):
I cry a lot of dollar days.
Speaker 1 (58:04):
So it's a.
Speaker 3 (58:06):
Buy some money instead of these niggas.
Speaker 2 (58:13):
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 good regulum.
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 4 (58:40):
What's your last word?
Speaker 3 (58:42):
Oh?
Speaker 1 (58:43):
Last word?
Speaker 4 (58:44):
Couple up?
Speaker 2 (58:45):
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.
Speaker 1 (58:58):
Right, don't get it negga who need help? Bit you
need help?
Speaker 2 (59:03):
And this is not just for women, right this, this
is for everybody whoever's listening.
Speaker 1 (59:07):
Couple up. That's one way to battle inflation. Right.
Speaker 2 (59:13):
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
m h, 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 is and 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 worth is not aligned with how much stuff you got.
How good are you as a person? Are you a
good person? Are you healthy? Are your friends and family healthy?
Are you making positive connections with people? That's where your
value lies. You know not in the things that you have,
So yeah, fuck that stuff and save your money and
(01:00:14):
be kind and be good to people.
Speaker 4 (01:00:16):
That's my last last period.
Speaker 3 (01:00:18):
Okay, period period poof look.
Speaker 1 (01:00:21):
At us giving a little slight financial advice.
Speaker 2 (01:00:25):
All right, y'all listen if you enjoyed this episode, because
these motherfuckers trying to put me ont 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 haling all the way from Saint
Martin Stratton on a motherfucker island. I probably should have
(01:00:45):
got on tender livet sight and see what was popping.
Speaker 1 (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 4 (01:00:56):
It's official, tam Bam. I love y'all.
Speaker 3 (01:00:58):
Follow me on Instagram, seen us your dumb bitch stories.
It's hide outside. I know y'all been doing some shit.
It's it's seven pm, Friday, ninety five degrees. That's my
favorite shit right now, y'all, that's my favorite shit.
Speaker 1 (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
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I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com