August 11, 2025 • 43 mins
Part 2 of Adulting 101. Adulthood doesn't come with a manual—but we’re here to help. In this two part episode, we break down the essential things every responsible adult should know, do, and accomplish to live a stable, self-sufficient, and fulfilling life. From managing finances and maintaining physical/mental health to mastering time management and building a strong support network, we’re covering the practical and personal foundations of mature living. Whether you're just stepping into adulthood or reevaluating your life goals, this episode will give you actionable advice, smart habits to adopt, and a checklist to measure your progress. Adulting isn’t always easy—but with the right mindset and tools, it’s absolutely
manageable.
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manageable.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:03):
You're listening to the Hot Topics podcast Psycho forty eight one,
Lovely Lady, land Shop and Blois seven. Let's get into it.
Welcome everybody, Welcome, Welcome, Welcome, Welcome back. Apart to this
is part two of Adulting one on one and if
(00:27):
you was here last time and that, please go check
out the last episode Adulting one on one. It's part
one and we're gonna finish us up. So we talked
about everything that is responsible adults should know, the dudes,
the haves, the accomplishments. You know, we talked about everything.
(00:50):
So just as a recap, we talked about, you know,
life skills, legal and civic knowledge, social and emotional intelligence,
daily and habitual practices, routine maintenance, relationship and community, financial milestones,
personal development, social contributions, and character traits to cultivate. So yep,
(01:15):
that took care of everything you need to do, everything
you need to accomplish, and it was a it was
a handful. So if you do have an opportunity to
check out the last episode, please do. And I'm psychoed
forward to eighty one here from the Hot Topics podcast
and is another solo episode. We'll pick up with the
(01:38):
next one, our our co hosts Lamb Chop, the Lovely
Lady Lamb Chop, and the Belonnious Belonnious Feather. She'll be
back as well. But I'm gonna wrap this one up
today Adulting one oh one, Part two, and we're gonna
(01:59):
talk about things to have like key documents and records,
financial essentials. We're gonna talk about practical tools, household items,
so you know, if you're having your own household, those
are things you need to have just to be functional.
We're gonna talk about knowledge and resources, home and living essentials,
(02:24):
transportation essentials unless you live like on Mount Everest or
something along those lines. Pretty much everybody needs some type
of transportation. You don't have to always have a car,
but you're gonna need some type of transportation. And then
there's the contingency and mobility issue. Things to have when
you have those things that pop up. We're gonna talk
(02:45):
about that. And this was a big one. And you
know I said on the last episode, it was a
lot of things in this that I realized I did
not do. Not that about it at one point or another.
It's things that I did not do, and I really
need to get on the ball with this. So we
(03:08):
can't expect our younger people to do it and we're
not doing it and showing them how to do it.
So let's get this done. So getting into the key
documents and records. First things. First, you need a government
issued ID that means a driver's license, identification card, or passport.
(03:28):
You should really have two of those things, driver's license
and a passport. You can't travel without a passport, so
that makes you restrict it. Can't go to Canada, can't
go to Mexico, you can't get out and do something.
But you definitely need a photo ID, a government issued
photo ID. You need a Social Security card or whatever
(03:54):
the national equivalent is. I know that you have we
call them a Social Security car for visa or people
who are going through the process to be permanent residents.
But you definitely want to have that. When I say
have that, you know you was issued it when you
was born here. But you need to have that available
(04:14):
when you need. It's a that's a big difference. Birth certificate.
Always have that available, even if it's a copy. You
want to put a copy someplace else. Also because sometimes
you know people lose them or you have to submit
your birth certificate, and you don't have it for a
(04:37):
short period of time. So if you can get more
than one official copy, that's great and keep the one
in the safe for something you want to have. Oh,
getting back to the birth certificate, even if you're not
born here, you want to birth. You want the birth
certificate of your country of origin. You want to have
(04:58):
a health insurance card or the information for the health
insurance card. Anytime you have any you know, medical assistance,
any type of medical treatment, they're going to ask for
your health insurance card. So make sure you have that.
If you don't have it, then there's ways you can
(05:19):
apply for it. But you need to have some type
of medical consure. Everybody in this country you have some
type of medical insurance. And I know there's gonna be
a small percentage of people who it may not benefit
them because of the cost, but you know, at least
you're have some type of alternative. You want to keep
(05:40):
your tax documents, and not just the current tax documents.
You want probably the last let's say five to seven years.
Let's say seven years. But along those lines, you're gonna
have all your ten ninety nine, your W two's eats,
(06:01):
your ten whatever, any documents that that you received that
it applies to filling out taxes or that you use
to fill out your tax forms, keep that. You want
your employment records, they pay stubs, contracts, you want to
(06:22):
keep that with you. Educational records, transcripts, you want the
sealed transcripts. Okay, that's a difference because if you if
you're trying to apply for college and ask you for transcripts,
are going to they want up the seal ones and
you get that from the school that you're that you're
submitting it from. And diplomas, you know, copies of diplomas,
(06:48):
any training that you've had, any certificates, anything along the
lines that you've gotten to improve yourself in your your
educational journey. You want want to keep your rental agreements,
your mortgage documents. You never know when that might be needed.
(07:09):
Rental agreements, Definitely keep those handy because you need to
know what's in there. If it comes to a time
where you need to prove that you have let's see,
i'm gonna say ownership, but you have control over a
certain place. You want to have your lease available and
(07:31):
you want to have that as well for your home
and I can tell you why, and we never got
a chance to do the actual episode. But one thing
that can really happen and really set you off is
when you get a squatter, oh squatters, divorce, separation, all
(07:58):
that you want to make sure you have that there
and every responsible adult needs to have a will and
or power of attorney. So it depends on which your
situation is, you might need to have I always forget
the name of this. It's called a medical something. Whereas
you know, you want to identify somebody who makes that
(08:21):
decision about your health or your life if something was
to happen to you and you can't give consent about something,
you know, like say God forbid, you know, you get
into a car accident and you're a vegetable, you know,
or you have some type of disease and you don't
want to be recessitated, or you want somebody who's trusted
(08:46):
to make those decisions for you. So you need to
have that all medical records and vaccination history because you
might switch insurance, you might switch states, you might switch countries,
whatever people employers might well employers not able to have that.
But you might want to travel, you might want to
(09:07):
go to someplace else and get medical care. They want
to know your medical history. And everybody's not gonna know
every single time they went to the hospital, got treated in,
every shot they had and the date that they have it.
But you have that stuff available for you, especially vaccination history.
If you want to travel, keep the vaccination cards, whatever
(09:28):
you have, keep that available. It'll save you some money
and save you maybe some more shots. And I did
mention passports as we're talking about traveling, get yourself a passport.
Other things to have would be say, look into the
financial essentials. This is all the things you need when
it comes to the money. Get this. You need a
(09:51):
bank account, a checking and a savings It could be
at a credit union, it could be at a regular bank.
It could be wherever you want want it to be.
But you need to have a bank account that you're
going to do your transactions with and save you know,
if you want to get a certificate of deposit, all
of you need to have a bank account. And speaking
(10:13):
a bank account. You could have multiple bank accounts, and
I suggest having even if it's at the same same bank.
You want to have different accounts so you can put
more money in another account for your emergency funds. So
if you can, if it's possible, It's not possible for
a lot of people, but if you can, you want
(10:35):
at least three to six months of expenses in your
separate emergency fund, so you know your monthly expenses, whatever
that is, whatever that number is could be two thousand
and three thousand, you want at least to keep three
or six months months of that. I said months is.
You want to keep three to six months of that
in there in case something should happen, whether you go
(10:57):
into the hospital or you get terminated from a job.
Those things happen. You know, you never know, So that
you want to budget, an actual physical budget that you
can see, and a spending tracker. Now, you guys are
lucky to be in the electronic age, the advanced technology age.
(11:20):
You can have all that right on your phone. You
can have the spending tracker. I know if people have
what's the name of that group, rocket money, which is
a a good feature rocket Money. They have a spending
tracker on there and you can categorize all your expenses,
(11:40):
your income coming in, what's tax deductible for taxes but
you want to save is a great app so check
it out. If you can. I'm not sure if you
have to have a mortgage with them, but it's it's
worth the worth the time to take take a look.
(12:01):
Maybe I need to drink or order on a second. See,
this is what happens when you have a co hoster too.
You don't have to keep on talking and flapping your
lips and drying your mouth out. You know, you can
tag team. So I'm gonna I'm gonna meet do for
(12:22):
the time being. So you want a retirement account. I
don't know how many times I've come across people will
talk to people that say, I wish I would have
put in to the four one K, I wish I
had an IRA or wroth IRA. I wish I got
a pension and all these different things. You got a
plan for the future, you know, you have the four
(12:43):
one K, the four fifty seven. There's a lot of
things out there that you can do or utilize for
a retirement account. You know, don't live your life day
to day because at one point you never know what's
gonna happen in the future. And you want to get
to a point where, let's say prime example, you're going
somewhere like say overseas, and you want to stay there,
(13:06):
you say, I like this place is uh, the cost
of living is less. I can live a luxurious life
on this little bit of money that I had because
I have a pension, or I have my four to
one k that's bringing me a regular income or IRA
that's going to be able to sustain me for the
rest of my life. Look into that. Make sure if
(13:32):
you know, if you're the job and they don't have
a retirement plan or anything like that, but you know,
get yourself a four one k IRA. You could put
money in IRA credit card. Have at least one credit
card with a decent amount, decent amount that you can
(13:52):
use on there because one a lot of places I
want to see credit cards like hotels, car rentals. But
sometimes you might be short on cash and that emergency
comes up, you can, you know, utilize your credit card.
And one thing that's good about a credit card is
if something wants to happen, like say, what you know,
you got people that carry a lot of cash or whatever,
(14:15):
and you got a person I'm here who has the
credit cards. If somebody comes up and robs you, even
takes all your cash, or you lose your cash, or
you do whatever it's gone. There's nobody out there that's
gonna assist you or can assist you. But if you
have a credit card, at least you're protected from fraud
and you know, unauthorized purchases, things like that, or even
if you have a dispute with a vendor or somebody
(14:38):
you brought something from, you can actually dispute the purchase
with your credit card company. So you want to have
a credit card. At least one investment accounts, there's plenty
of those out there. Just pick one mutual funds, which
is good. You know, if you're not knowledgeible in it,
(14:58):
seek somebody is. But you're definitely going to have that
that will actually grow your money. And you want to
have insurance when I'm saying, you want to have it,
but you want to have it available to use when
you need it. So that means health insurance, auto insurance
if it applies, Renters insurance, homeowners insurance. I mean, if
(15:22):
you're living in an apartment, please have Renters insurance. Anything
can happen, even things that's not your fault. Somebody from
the two apartments over having let's say a fire or
whatever flood and your your stuff is damaged. And it's
costing you a lot of money. Guess what if you
don't have renter's insurance, you're but out in the win.
(15:46):
So definitely want to have that life insurance. And there's
gonna be people, there's gonna be people to say, well,
what I care about life insurance? I'm gone, Yeah, but
don't be a burden to your your family or your
loved ones when you leave. Plan on that. Let give
them something to do with it, or at least cover
(16:08):
your your funeral expenses, your burial expenses, that cost and
it's not cheap. Get you some life insurance and you
can there's different types of life insurance out there that
you can have and just has a cash value and
they'll get somebody to come in and talk about that.
Not a big deal, but you definitely want to have
some type of life insurance. You know, you owe it
(16:29):
to your kids, you owe it to yourself, you owe
it to your loved ones whomever. Get some. And with
that said, you want some disability insurance because you could
be out of work because of an injury, and if
you don't have the type of job that pays you
when you're out, like you have sick leave and all
(16:49):
that type stuff. You want to have some type of
disability insurance, and if you're working, there's things you can
add on there. It's like a aflact and what was it, it
was another one, but there's a out there that works.
Like every time that you're out, you have a hospital visit,
or you're out forced a long period of time, they'll
actually pay you according to their plan or whatever when
(17:10):
you signed up for they'll pay you. And at least
that gives you some money to hold on while you're out.
It could be used for food or even covering some bills.
Whatever it is, depends on what you select, but definitely
try to get you some disability insurance. Now, going back
to the household, we already talked about the the job place,
(17:30):
and you know that's kind of inferred the job. We're
going to talk about the home. What things do you
need in the home? Now, if you've had a home,
or have a home or even an apartment, you need
a basic toolkit. Okay, Cycle forty eight one wishing the
(17:52):
basic toolkit. Now, you need a hammer, you need a
screwdriver set, and you know you want to have the
different size of the our say, and you want the
one that's the cross tip in the Philip's head. That's
the one that looks like a star at it tip.
And the flat head is the one that has that
looks like a flat head, the one you know a
lot of y'all use a butter knife for. Yeah that
(18:13):
you want some pliers. You want an Alan drench set.
They're cheap. All these things are really cheap and you
can get that, put it in a little box and
keep that on hand. So you definitely want that because
I know you want to need it for hanging curtains, blinds,
doing little minor repairs, maybe even for knobs on the
(18:34):
cabinet doors, many things. Number two, you want a first
aid kit. Now, the thing about the first aid kit.
When you buy them, they usually come with everything you
need for basic first aid, but you do want to
make sure that you keep up with what's in there.
(18:55):
You can add your own things in there like alcohol, uh, neo,
sporey and all these little things that you you know
you might need, but check the dates. You have to
have it regularly checked to make sure that things aren't expired.
I had a first day you kit and had all
this stuff in there. I was like, something's gonna happen.
I'm ready. I'm to have everything in the here that
you could use except for surgery. But a lot of
(19:19):
stuff expire, so you have to make sure that you
check that. Even if you put like what do you
like medication like aspirins and anything along those lines, things expire.
Three good to have a fire extinguisher, and I think
you get discounts. I believe if you have a fire
(19:41):
extinguisher in your kitchen, that's always good to have because
you know, you'll have that person that wants to cook
and got grease spline all over the place and next
thing you know, you got a little fire and they
decide to throw a water or the grease fire or
you know, fan it with some paper tiles something something
stupid like that. So you have that. But if you
(20:02):
have a fire extinguisher, you can go and it's done.
It's good. You want a working smoke detector and carbon
monoxide detector. Now smoke detector. In some places it's mandatory
you have to have one that's installed. In some places
you do, but you want to make sure you you know,
(20:24):
check the batteries to make sure that batteries are fresh,
and please stop the chirp, chirp, chirp. We all done
it at one one point or another. But yeah, get that,
get that taken care of. Now. The carbon monoxide detector.
That's super important because carbon monoxide poisoning is odorless, so
(20:52):
you can have the carbon monoxide coming through your your home,
most likely from your furnace obviously, and you'll never know
it until people start dropping off and then you know,
stuff happens. So get you a carbon monoxide detector. Number five.
(21:12):
You want a flashlight with spare batteries. I needed one
today because I was going down in the basement to
check breakers and I use a flashlight on my phone,
but I was like, you know, I should have got
my flashlight. But yeah, that's definitely needed because let's say
you have a blackout. It's okay in the daytime sometimes,
but you know you'll need that flashlight at night or
(21:37):
in places that have low light. Basic cleaning supplies. Now
for me in my home, this is what you need.
This is what I'm gonna say. What I have, glass cleaner.
You want a decreaser for the kitchen. You know that
fal Mind spray or something equivalent to that. You want
(21:58):
cleaner for the bathroom. You want cleaners for the floors,
Like if you have carpet, you want some spot cleaners. Well,
I think they call them spot removers. You want some
spot removers. Oxy clean is really good getting up those spots.
So we have some oxy clean. Try that out. What
(22:18):
else is good? Pine, salt, bleach. Some people don't like
working with bleach, but bleach is good for some things.
Let's see. Yeah, and of course the associated things that
come with that. You want the sponge sponges, you want
the the dish cloths, you want the scouring pads we
(22:45):
call what do we call sos pads steal steal, steal something,
But yeah, get some of those. Of course, trash bags them.
See what else could going under basic cleaning supplies. I
use paper towels for a lot of things too, Like
(23:06):
even when I'm wiping down mirrors, I use paper towels.
So you wanna include that in there. You might wanna
use some uh, get some hand soap. And let's see
a thermometer. This thermometer can actually go in your first
day kit or in the bathroom. But you want the thermometer.
There's different types of thermometers you can get. You can
(23:26):
get the one that's mercury filled, the old school one
where you you know, you see the little red line
that comes up that you can barely see half the time.
Or you can get one that's electronic that's good now
as you keep the battery up. And they even have
the ones that's looks like a a temperature gun that
you point and shoot and it'll, you know, you put
(23:49):
it at your forehead and they'll tell you your temperature.
So I like the electronic ones. Actually I have both.
I don't really wanna mess with the mercury filled ones
because you might have kids that like to play with
stuff like I did when I was a kid and
put that thermometer in some boiling water and watch it pop.
Then you got mercury all in your boiled corn. But
(24:11):
that's another story we'll see. Oh, speaking of tell my
power outerag just number seven. You want a I'm sorry,
number eight, you want a phone charger, have a spare
phone charger, because you know, if you have an iPhone,
I'm gonna tell this, let me put iPhone on blast.
Those cores don't last more than six months half the time,
(24:32):
and don't get one from five below. They last about
thirty d's. But get your phone charger or a power
bank that you can take, you know, out of the
house or even in the house where have you. But
that's always good to have. And then this is undervalued
as well and overlooked important contact lists now back in
(24:54):
the days to have that, I think you used to
put stuff like that on a refrigerator and you know
who to call if something was happen. You know, you
always had the you know, the neighbor or grandma or whoever.
You need to have a contact list, have one printed,
you definitely want to have one printed, have one digitized,
put on a thumb drive or a computer, you know,
(25:16):
something that people can access. You definitely want to have
that because it's not just for us, for everybody now
getting into knowledge and resources, knowledge and resources, you want
to have access to health care providers, So have that
(25:41):
available because don't just pick the first one you see
if somebody told you, oh, go get this, you know,
you want to have a list, unless it's like employer
healthcare or something al designs, but you want to seek
out different health care providers. You might want to shop
around for doctors, specialists, whatever, dentists, pharmacies, you know, pharmacies
(26:10):
can be raally really expensive and sometimes inconvenience, but there's
ones that's not too expensive and convenient. Just look them up.
I don't want to endorse any particular company, but they're
out there. Mental health support. Everybody needs a therapist. Let
(26:32):
me say that again. Everybody needs a therapist. Therapists need
a therapist. So have that handy. Even if you feeld
you don't need one, have it handy because you never
know or access to one of them hotlines. You need
(26:54):
to know or have an understanding of how to file taxes,
and we talked about that, keeping records and stuff like that,
or know how to contact an accountant or tax prepare
H and R. Block it's a big one, but they
have plenty of tax prepares out there, plenty. You need
(27:17):
to know how to vote and where. So before you
do all that, you have to register to vote. And
when you go register to vote, they'll tell you, you know,
because you have to put your address on there and you'll,
you know, tell you where you need to be or
which which district you're in and who are your representatives.
(27:38):
You need to look that up. Make sure you have
or wait to look that up. Voting is important obviously,
especially today. Don't underestimate the power of your vote. I
hate I say what a capital h. I hate when
people say my vote don't count, and I'm gonna say
(28:05):
it doesn't because you don't vote, Yeah, it doesn't count.
That means you don't have the right to complain. You
don't have the right to challenge anything. So vote. You
want to have contacts for legal help if needed, an
attorney prepaid legal for some, but have an attorney available
(28:28):
that you can call, a bail barnsman that you can
call just in case. But you never know what situation
you'll be in that. You know, everybody needs legal help
here and there. I don't know anybody who has not
ever needed legal help, so it's good to have one
on hand. If you're in a Baltimore area, I could
(28:54):
recommend a few got Collin's Legal Group, look them up
Google pretty good with hand. Then a plethora of things,
speaking of which, you'll also need a good reliable network
of people. Let me say that differently. You need a
(29:15):
network of reliable people friends, coworkers, family members, neighbors. You
need to know who you can go to for information
for quick help. You know, like say I need to
get my kid from the from the daycare, or my
kid from the picked up from preschool, whatever it is.
(29:41):
Have a network that can help you out at different times.
Now I want to get back to the home again.
And this is a little bit different from things that
have in the home, but this is this is things
about the home, and again these are things that every
responsible adult should have do accomplish whatever. A stable living situation,
(30:06):
get your own place. Don't go from place to place.
I'm gonna stay with this person for a while, because
anytime you stay with somebody, they can argument can happen,
and the next thing you know, you're getting put out
in the middle of the night. A stable living situation,
go ahead and pay your rent on time. Get your
an apartment, buy a house. That's number one. You want
(30:32):
to have a functional phone and internet access. You're lucky
enough today that we have the internet and we have
these smartphones, five G whatever it is, it's easy to have.
Everybody has access to that, even kids. Make sure you
have a functional phone and internet access because a lot
(30:56):
of things you need to have Internet access is to
make your life easier, whether it be paying a bill,
getting certain information you know Plugging in to information circles
very important. Even having a news app on your phone
that's going to give you alerts. Nothing better than having
(31:19):
up to date things that's going to affect you, especially
when it comes to your safety. You want to have
appropriate furniture. Well Cycle forty eighty one. What is appropriate furniture, Well,
you need a bid. You need a bid, and not
the ones that's going to have your back hurting. So
(31:41):
choose a nice bid. It don't have to be fancy,
you're expensive, but get you a decent mattress that's not
going to have your back hurting. Simple enough. You want
a table, and you want a chair. More than one
chair is advisable, but get your table so you can
sit down and have your meal. I'm not saying you
noticed I didn't mention anything about the living room sofa,
(32:04):
love seat, whatever. I didn't mention any of that because
a lot of times people don't even use it and
it's not really a necessity, but you know, it gets
you some reliable furniture. And let's see, Oh, obviously you're
gonna need light lamps, depends on your situation, but you
know it could be a lot of things in there.
(32:25):
But you definitely just need to have a bed table
and eh, you know things that make you comfortable. You
want basic cooking equipment, pots, pains, good cutlery, silverware or
or utensils, measuring cups people forget about those plates cups. Okay,
(32:58):
you can make it easy too by getting things like
an air fryer, pressure cooker, the multi function pressure cooker
I want to acts as a slow cooker, pressure cooker,
and whatever else. And a nice blender. Yes, get you
(33:18):
a blender. And you want clean clothes for different occasions. Ha,
somebody called you and say, hey, let's go out to
such and such. Have a set of clothes that you
can you can go out, not just a regular homeless
wear that I usually wear. But you want to have
clothes for like work, different types of weather, different types
(33:41):
of events, and even emergencies, and comfortable clothes. You want
comfort clothes. I'm gonna give you a situation story. It
was winter time, and let's say this is a scenario,
and I'm saying it's true, not but it's a scenario.
Let's say it's wintertime and the power goes out and
it's really really cold, and obviously the furnaces out and
(34:02):
you didn't have you don't have a fireplace. So we
say appropriate clothing. You want to have that warm clothing,
the thick pajamas, the under armor stuff, and you want
to have those that comforter a weighted blanket, which I love.
That's not necessary about love it anyway. Those are the
(34:25):
things you need for a different occasion, you know, not
just closed, but I wanted to throw that in there.
Then you have your transportation essentials. Need your a balid
driver's license, or if you're not driving, get you a
transit pass, like a bus pass, like one that you
(34:46):
can use every month or I think they do monthly. Well,
get you a bus pass. And if you do have
a license, get a car or bicycle. I say car,
that includes motorcycles too. And if that's not feasible, at
(35:08):
least have knowledge of the public transportation system, like where
the buses go, where you can catch a bus, How
much is it? I can tell you now in my area,
I don't know how much a bus costs. I don't
know where they go. I don't know anything about the bus.
But if you're not driving or riding a bike everywhere,
(35:30):
then you need to know how the buses run and
with that, you need to have car insurance and registration.
So don't have a vehicle and it's not ensured. There's
not a registered and you're driving around here being a
hazard to everybody. What that said, you need an emergency
(35:51):
kid in your vehicle, Like everybody needs jumper cables. Please
have jumper cables. Everybody, at some point or another you're
gonna need to jump or somebody else is gonna need
to jump. Have some jumper cables and a spare tire,
maybe some light sticks. And you can also have an
emergency kid in there, like a first aid and something
like save you're in a cold area, something happens. I'm
(36:14):
looking at all of those scenarios I see on TV. Car
breaks down, you're in a snowstorm, you're stuck, have something
like water or high energy bar in a blanket. You
can roll all that stuff that stuff in into you know,
a nice little convenient bag and leave in your trunk.
(36:38):
And lastly, speaking of mobility and emergencies, a go bag
or emergency bag and what's in a go bag or
an emergency bag is some of the things I mentioned earlier.
You want to have things like, say, or if a
hurricane's coming. What can you grab if you need to
(37:00):
flay the house quickly, you know those essential items. One,
you wanna need some cash on you because if the
power goes out and you need to pay for something,
you need to have a little bit of cash. I'm
not saying a whole lot, but you just need to
have some cash. Put that in a go back and
I recommend a backpack. So just throw that backpack on
(37:20):
and has everything in their Put some of your your
emergency or important documents into a copies of it, at
least into a zip block bag. Throw that in there.
You want to take your passport in case you're already
overseas obviously, or you need to get overseas. You want
(37:44):
to change of clothes, and you want to have basic
toilet trees, easy, easily stored stored food items. The word
we call it it lost me God, I can't remember.
(38:05):
But anyways, stuff that's not going to spoil. You know,
you can keep candy bars for a while. That those
high energy, the high calorie things. Car assurance registration, you
want to keep that in there. Mmmm, Let's see what else,
all right? I mean this think was in my back
(38:27):
so I got the little foil blankets, water bottles, flashlights,
the Swiss Army Knife, first aid kit, reflecting items. Even
if it's tape that you can tape around the people
you're with yourself, like if you're in the middle of
a storm, you can put the tape around your your
(38:49):
sleeve of your coat in the back. I mentioned flashlights,
flares that that's pretty much hit. I think rope mad rope,
and for some I do recommend having a we call
(39:10):
them things pistola if you're legally able to have one.
My goal bag is going to have a weapon. So yes,
it's gonna have a weapon, it's gonna have water, it's
gonna have you might even throw in there some uh
we call those little tablets that clean the water, that
(39:32):
disinfects water in case you need to get water. And
they also have these little containers, these straws that you
can actually drink dirty water and it cleans the water.
So there's a lot of things out there. Get creative
and definitely a change of clothes underwear. You know, you
(39:54):
can get those little ponchos that fit in a little
what three inch square as you can fold as unfolds
and you got your convenient poncho. So those are things
you wanted to go bag, and if something was to happen,
you could say, hey, we need to go. Now, go
grab your backpack, thought on your back, getting the car,
(40:15):
let's go. And if you do know that a cause
hurricanes don't just happen overnight, but you do know that
the hurricane is coming, there's certain things that you need
to do to prepare for that as well. We won't
talk about that here, that's going to be in a
disaster preparedness segment or episode, but I would say that
if you do have that go bag and you know
(40:37):
that the storm is coming, you want to top off
in gas, make sure that all those lights that you ignored,
you want to make sure you have that taken care of.
You want to have your tires properly inflated, yeah, oh yeah.
And also charge up all electronics that you have, all
the phones, charge them up because you know a lot
(40:59):
of times that they'll have power outergies. And you got
all this food and your freezer, you could turn the
I guess the thermoset down to make it colder, and
make sure you keep everything in there and don't keep
opening and closing the freezer, refrigerator or a freezer, so
it'll last longer. If you have access to some dry
(41:21):
ice and a cooler, that's good too. But yeah, those
are things we'll talk about in disaster preparedness. So that's
pretty much it. I know it was a lot, and
again I don't expect everybody to have everything on here,
but that's something that you could work on. So this
(41:43):
is episode two of Adulting one on one, so please
review episode one and this one. Obviously you can't get
that unless you're listening to me anyway, So well, you know,
you know that and try to work on that and they'll,
you know, make you feel more safe and secure and
(42:03):
think about yourself and your loved ones. So if you
have any questions, you know, you can go to www
dot hot topics that's t O p i X podcast,
hottopics podcast dot com and leave us a comment or
email us Hot Topics Podcasts at gmail dot com. I'll
(42:27):
be happy to hear what you have to say. Any
comments thinking you want to add, I would appreciate it. Oh,
let me get a word of the day, so you
know we have some we have some great prizes for
the monthly winner. So the word of the day is
grown up, grown up. That's the word of today. So
(42:52):
review all the excuse me, review all the the podcast
episodes for the month of August, and at the end,
send us an email to Hot Topics podcast dot com
with the words of the day or words of the episode,
however you want to call it, and yeah, email us.
(43:13):
Everything's timestamped, so the first one it gets all the words,
you will win and we will notify you via email
or apply to your email that you won, and we'll
arrange it where you can come get your prizes. So
thank you for listening. It's been wonderful and I'll catch
you in the next year. Thank you family for listening
(43:33):
to the latest episode of Hot Topics. As usual, listen like, share,
subscribe time
You're listening to the Hot Topics podcast Psycho forty eight one,
Lovely Lady, land Shop and Blois seven. Let's get into it.
Welcome everybody, Welcome, Welcome, Welcome, Welcome back. Apart to this
is part two of Adulting one on one and if
(00:27):
you was here last time and that, please go check
out the last episode Adulting one on one. It's part
one and we're gonna finish us up. So we talked
about everything that is responsible adults should know, the dudes,
the haves, the accomplishments. You know, we talked about everything.
(00:50):
So just as a recap, we talked about, you know,
life skills, legal and civic knowledge, social and emotional intelligence,
daily and habitual practices, routine maintenance, relationship and community, financial milestones,
personal development, social contributions, and character traits to cultivate. So yep,
(01:15):
that took care of everything you need to do, everything
you need to accomplish, and it was a it was
a handful. So if you do have an opportunity to
check out the last episode, please do. And I'm psychoed
forward to eighty one here from the Hot Topics podcast
and is another solo episode. We'll pick up with the
(01:38):
next one, our our co hosts Lamb Chop, the Lovely
Lady Lamb Chop, and the Belonnious Belonnious Feather. She'll be
back as well. But I'm gonna wrap this one up
today Adulting one oh one, Part two, and we're gonna
(01:59):
talk about things to have like key documents and records,
financial essentials. We're gonna talk about practical tools, household items,
so you know, if you're having your own household, those
are things you need to have just to be functional.
We're gonna talk about knowledge and resources, home and living essentials,
(02:24):
transportation essentials unless you live like on Mount Everest or
something along those lines. Pretty much everybody needs some type
of transportation. You don't have to always have a car,
but you're gonna need some type of transportation. And then
there's the contingency and mobility issue. Things to have when
you have those things that pop up. We're gonna talk
(02:45):
about that. And this was a big one. And you
know I said on the last episode, it was a
lot of things in this that I realized I did
not do. Not that about it at one point or another.
It's things that I did not do, and I really
need to get on the ball with this. So we
(03:08):
can't expect our younger people to do it and we're
not doing it and showing them how to do it.
So let's get this done. So getting into the key
documents and records. First things. First, you need a government
issued ID that means a driver's license, identification card, or passport.
(03:28):
You should really have two of those things, driver's license
and a passport. You can't travel without a passport, so
that makes you restrict it. Can't go to Canada, can't
go to Mexico, you can't get out and do something.
But you definitely need a photo ID, a government issued
photo ID. You need a Social Security card or whatever
(03:54):
the national equivalent is. I know that you have we
call them a Social Security car for visa or people
who are going through the process to be permanent residents.
But you definitely want to have that. When I say
have that, you know you was issued it when you
was born here. But you need to have that available
(04:14):
when you need. It's a that's a big difference. Birth certificate.
Always have that available, even if it's a copy. You
want to put a copy someplace else. Also because sometimes
you know people lose them or you have to submit
your birth certificate, and you don't have it for a
(04:37):
short period of time. So if you can get more
than one official copy, that's great and keep the one
in the safe for something you want to have. Oh,
getting back to the birth certificate, even if you're not
born here, you want to birth. You want the birth
certificate of your country of origin. You want to have
(04:58):
a health insurance card or the information for the health
insurance card. Anytime you have any you know, medical assistance,
any type of medical treatment, they're going to ask for
your health insurance card. So make sure you have that.
If you don't have it, then there's ways you can
(05:19):
apply for it. But you need to have some type
of medical consure. Everybody in this country you have some
type of medical insurance. And I know there's gonna be
a small percentage of people who it may not benefit
them because of the cost, but you know, at least
you're have some type of alternative. You want to keep
(05:40):
your tax documents, and not just the current tax documents.
You want probably the last let's say five to seven years.
Let's say seven years. But along those lines, you're gonna
have all your ten ninety nine, your W two's eats,
(06:01):
your ten whatever, any documents that that you received that
it applies to filling out taxes or that you use
to fill out your tax forms, keep that. You want
your employment records, they pay stubs, contracts, you want to
(06:22):
keep that with you. Educational records, transcripts, you want the
sealed transcripts. Okay, that's a difference because if you if
you're trying to apply for college and ask you for transcripts,
are going to they want up the seal ones and
you get that from the school that you're that you're
submitting it from. And diplomas, you know, copies of diplomas,
(06:48):
any training that you've had, any certificates, anything along the
lines that you've gotten to improve yourself in your your
educational journey. You want want to keep your rental agreements,
your mortgage documents. You never know when that might be needed.
(07:09):
Rental agreements, Definitely keep those handy because you need to
know what's in there. If it comes to a time
where you need to prove that you have let's see,
i'm gonna say ownership, but you have control over a
certain place. You want to have your lease available and
(07:31):
you want to have that as well for your home
and I can tell you why, and we never got
a chance to do the actual episode. But one thing
that can really happen and really set you off is
when you get a squatter, oh squatters, divorce, separation, all
(07:58):
that you want to make sure you have that there
and every responsible adult needs to have a will and
or power of attorney. So it depends on which your
situation is, you might need to have I always forget
the name of this. It's called a medical something. Whereas
you know, you want to identify somebody who makes that
(08:21):
decision about your health or your life if something was
to happen to you and you can't give consent about something,
you know, like say God forbid, you know, you get
into a car accident and you're a vegetable, you know,
or you have some type of disease and you don't
want to be recessitated, or you want somebody who's trusted
(08:46):
to make those decisions for you. So you need to
have that all medical records and vaccination history because you
might switch insurance, you might switch states, you might switch countries,
whatever people employers might well employers not able to have that.
But you might want to travel, you might want to
(09:07):
go to someplace else and get medical care. They want
to know your medical history. And everybody's not gonna know
every single time they went to the hospital, got treated in,
every shot they had and the date that they have it.
But you have that stuff available for you, especially vaccination history.
If you want to travel, keep the vaccination cards, whatever
(09:28):
you have, keep that available. It'll save you some money
and save you maybe some more shots. And I did
mention passports as we're talking about traveling, get yourself a passport.
Other things to have would be say, look into the
financial essentials. This is all the things you need when
it comes to the money. Get this. You need a
(09:51):
bank account, a checking and a savings It could be
at a credit union, it could be at a regular bank.
It could be wherever you want want it to be.
But you need to have a bank account that you're
going to do your transactions with and save you know,
if you want to get a certificate of deposit, all
of you need to have a bank account. And speaking
(10:13):
a bank account. You could have multiple bank accounts, and
I suggest having even if it's at the same same bank.
You want to have different accounts so you can put
more money in another account for your emergency funds. So
if you can, if it's possible, It's not possible for
a lot of people, but if you can, you want
(10:35):
at least three to six months of expenses in your
separate emergency fund, so you know your monthly expenses, whatever
that is, whatever that number is could be two thousand
and three thousand, you want at least to keep three
or six months months of that. I said months is.
You want to keep three to six months of that
in there in case something should happen, whether you go
(10:57):
into the hospital or you get terminated from a job.
Those things happen. You know, you never know, So that
you want to budget, an actual physical budget that you
can see, and a spending tracker. Now, you guys are
lucky to be in the electronic age, the advanced technology age.
(11:20):
You can have all that right on your phone. You
can have the spending tracker. I know if people have
what's the name of that group, rocket money, which is
a a good feature rocket Money. They have a spending
tracker on there and you can categorize all your expenses,
(11:40):
your income coming in, what's tax deductible for taxes but
you want to save is a great app so check
it out. If you can. I'm not sure if you
have to have a mortgage with them, but it's it's
worth the worth the time to take take a look.
(12:01):
Maybe I need to drink or order on a second. See,
this is what happens when you have a co hoster too.
You don't have to keep on talking and flapping your
lips and drying your mouth out. You know, you can
tag team. So I'm gonna I'm gonna meet do for
(12:22):
the time being. So you want a retirement account. I
don't know how many times I've come across people will
talk to people that say, I wish I would have
put in to the four one K, I wish I
had an IRA or wroth IRA. I wish I got
a pension and all these different things. You got a
plan for the future, you know, you have the four
(12:43):
one K, the four fifty seven. There's a lot of
things out there that you can do or utilize for
a retirement account. You know, don't live your life day
to day because at one point you never know what's
gonna happen in the future. And you want to get
to a point where, let's say prime example, you're going
somewhere like say overseas, and you want to stay there,
(13:06):
you say, I like this place is uh, the cost
of living is less. I can live a luxurious life
on this little bit of money that I had because
I have a pension, or I have my four to
one k that's bringing me a regular income or IRA
that's going to be able to sustain me for the
rest of my life. Look into that. Make sure if
(13:32):
you know, if you're the job and they don't have
a retirement plan or anything like that, but you know,
get yourself a four one k IRA. You could put
money in IRA credit card. Have at least one credit
card with a decent amount, decent amount that you can
(13:52):
use on there because one a lot of places I
want to see credit cards like hotels, car rentals. But
sometimes you might be short on cash and that emergency
comes up, you can, you know, utilize your credit card.
And one thing that's good about a credit card is
if something wants to happen, like say, what you know,
you got people that carry a lot of cash or whatever,
(14:15):
and you got a person I'm here who has the
credit cards. If somebody comes up and robs you, even
takes all your cash, or you lose your cash, or
you do whatever it's gone. There's nobody out there that's
gonna assist you or can assist you. But if you
have a credit card, at least you're protected from fraud
and you know, unauthorized purchases, things like that, or even
if you have a dispute with a vendor or somebody
(14:38):
you brought something from, you can actually dispute the purchase
with your credit card company. So you want to have
a credit card. At least one investment accounts, there's plenty
of those out there. Just pick one mutual funds, which
is good. You know, if you're not knowledgeible in it,
(14:58):
seek somebody is. But you're definitely going to have that
that will actually grow your money. And you want to
have insurance when I'm saying, you want to have it,
but you want to have it available to use when
you need it. So that means health insurance, auto insurance
if it applies, Renters insurance, homeowners insurance. I mean, if
(15:22):
you're living in an apartment, please have Renters insurance. Anything
can happen, even things that's not your fault. Somebody from
the two apartments over having let's say a fire or
whatever flood and your your stuff is damaged. And it's
costing you a lot of money. Guess what if you
don't have renter's insurance, you're but out in the win.
(15:46):
So definitely want to have that life insurance. And there's
gonna be people, there's gonna be people to say, well,
what I care about life insurance? I'm gone, Yeah, but
don't be a burden to your your family or your
loved ones when you leave. Plan on that. Let give
them something to do with it, or at least cover
(16:08):
your your funeral expenses, your burial expenses, that cost and
it's not cheap. Get you some life insurance and you
can there's different types of life insurance out there that
you can have and just has a cash value and
they'll get somebody to come in and talk about that.
Not a big deal, but you definitely want to have
some type of life insurance. You know, you owe it
(16:29):
to your kids, you owe it to yourself, you owe
it to your loved ones whomever. Get some. And with
that said, you want some disability insurance because you could
be out of work because of an injury, and if
you don't have the type of job that pays you
when you're out, like you have sick leave and all
(16:49):
that type stuff. You want to have some type of
disability insurance, and if you're working, there's things you can
add on there. It's like a aflact and what was it, it
was another one, but there's a out there that works.
Like every time that you're out, you have a hospital visit,
or you're out forced a long period of time, they'll
actually pay you according to their plan or whatever when
(17:10):
you signed up for they'll pay you. And at least
that gives you some money to hold on while you're out.
It could be used for food or even covering some bills.
Whatever it is, depends on what you select, but definitely
try to get you some disability insurance. Now, going back
to the household, we already talked about the the job place,
(17:30):
and you know that's kind of inferred the job. We're
going to talk about the home. What things do you
need in the home? Now, if you've had a home,
or have a home or even an apartment, you need
a basic toolkit. Okay, Cycle forty eight one wishing the
(17:52):
basic toolkit. Now, you need a hammer, you need a
screwdriver set, and you know you want to have the
different size of the our say, and you want the
one that's the cross tip in the Philip's head. That's
the one that looks like a star at it tip.
And the flat head is the one that has that
looks like a flat head, the one you know a
lot of y'all use a butter knife for. Yeah that
(18:13):
you want some pliers. You want an Alan drench set.
They're cheap. All these things are really cheap and you
can get that, put it in a little box and
keep that on hand. So you definitely want that because
I know you want to need it for hanging curtains, blinds,
doing little minor repairs, maybe even for knobs on the
(18:34):
cabinet doors, many things. Number two, you want a first
aid kit. Now, the thing about the first aid kit.
When you buy them, they usually come with everything you
need for basic first aid, but you do want to
make sure that you keep up with what's in there.
(18:55):
You can add your own things in there like alcohol, uh, neo,
sporey and all these little things that you you know
you might need, but check the dates. You have to
have it regularly checked to make sure that things aren't expired.
I had a first day you kit and had all
this stuff in there. I was like, something's gonna happen.
I'm ready. I'm to have everything in the here that
you could use except for surgery. But a lot of
(19:19):
stuff expire, so you have to make sure that you
check that. Even if you put like what do you
like medication like aspirins and anything along those lines, things expire.
Three good to have a fire extinguisher, and I think
you get discounts. I believe if you have a fire
(19:41):
extinguisher in your kitchen, that's always good to have because
you know, you'll have that person that wants to cook
and got grease spline all over the place and next
thing you know, you got a little fire and they
decide to throw a water or the grease fire or
you know, fan it with some paper tiles something something
stupid like that. So you have that. But if you
(20:02):
have a fire extinguisher, you can go and it's done.
It's good. You want a working smoke detector and carbon
monoxide detector. Now smoke detector. In some places it's mandatory
you have to have one that's installed. In some places
you do, but you want to make sure you you know,
(20:24):
check the batteries to make sure that batteries are fresh,
and please stop the chirp, chirp, chirp. We all done
it at one one point or another. But yeah, get that,
get that taken care of. Now. The carbon monoxide detector.
That's super important because carbon monoxide poisoning is odorless, so
(20:52):
you can have the carbon monoxide coming through your your home,
most likely from your furnace obviously, and you'll never know
it until people start dropping off and then you know,
stuff happens. So get you a carbon monoxide detector. Number five.
(21:12):
You want a flashlight with spare batteries. I needed one
today because I was going down in the basement to
check breakers and I use a flashlight on my phone,
but I was like, you know, I should have got
my flashlight. But yeah, that's definitely needed because let's say
you have a blackout. It's okay in the daytime sometimes,
but you know you'll need that flashlight at night or
(21:37):
in places that have low light. Basic cleaning supplies. Now
for me in my home, this is what you need.
This is what I'm gonna say. What I have, glass cleaner.
You want a decreaser for the kitchen. You know that
fal Mind spray or something equivalent to that. You want
(21:58):
cleaner for the bathroom. You want cleaners for the floors,
Like if you have carpet, you want some spot cleaners. Well,
I think they call them spot removers. You want some
spot removers. Oxy clean is really good getting up those spots.
So we have some oxy clean. Try that out. What
(22:18):
else is good? Pine, salt, bleach. Some people don't like
working with bleach, but bleach is good for some things.
Let's see. Yeah, and of course the associated things that
come with that. You want the sponge sponges, you want
the the dish cloths, you want the scouring pads we
(22:45):
call what do we call sos pads steal steal, steal something,
But yeah, get some of those. Of course, trash bags them.
See what else could going under basic cleaning supplies. I
use paper towels for a lot of things too, Like
(23:06):
even when I'm wiping down mirrors, I use paper towels.
So you wanna include that in there. You might wanna
use some uh, get some hand soap. And let's see
a thermometer. This thermometer can actually go in your first
day kit or in the bathroom. But you want the thermometer.
There's different types of thermometers you can get. You can
(23:26):
get the one that's mercury filled, the old school one
where you you know, you see the little red line
that comes up that you can barely see half the time.
Or you can get one that's electronic that's good now
as you keep the battery up. And they even have
the ones that's looks like a a temperature gun that
you point and shoot and it'll, you know, you put
(23:49):
it at your forehead and they'll tell you your temperature.
So I like the electronic ones. Actually I have both.
I don't really wanna mess with the mercury filled ones
because you might have kids that like to play with
stuff like I did when I was a kid and
put that thermometer in some boiling water and watch it pop.
Then you got mercury all in your boiled corn. But
(24:11):
that's another story we'll see. Oh, speaking of tell my
power outerag just number seven. You want a I'm sorry,
number eight, you want a phone charger, have a spare
phone charger, because you know, if you have an iPhone,
I'm gonna tell this, let me put iPhone on blast.
Those cores don't last more than six months half the time,
(24:32):
and don't get one from five below. They last about
thirty d's. But get your phone charger or a power
bank that you can take, you know, out of the
house or even in the house where have you. But
that's always good to have. And then this is undervalued
as well and overlooked important contact lists now back in
(24:54):
the days to have that, I think you used to
put stuff like that on a refrigerator and you know
who to call if something was happen. You know, you
always had the you know, the neighbor or grandma or whoever.
You need to have a contact list, have one printed,
you definitely want to have one printed, have one digitized,
put on a thumb drive or a computer, you know,
(25:16):
something that people can access. You definitely want to have
that because it's not just for us, for everybody now
getting into knowledge and resources, knowledge and resources, you want
to have access to health care providers, So have that
(25:41):
available because don't just pick the first one you see
if somebody told you, oh, go get this, you know,
you want to have a list, unless it's like employer
healthcare or something al designs, but you want to seek
out different health care providers. You might want to shop
around for doctors, specialists, whatever, dentists, pharmacies, you know, pharmacies
(26:10):
can be raally really expensive and sometimes inconvenience, but there's
ones that's not too expensive and convenient. Just look them up.
I don't want to endorse any particular company, but they're
out there. Mental health support. Everybody needs a therapist. Let
(26:32):
me say that again. Everybody needs a therapist. Therapists need
a therapist. So have that handy. Even if you feeld
you don't need one, have it handy because you never
know or access to one of them hotlines. You need
(26:54):
to know or have an understanding of how to file taxes,
and we talked about that, keeping records and stuff like that,
or know how to contact an accountant or tax prepare
H and R. Block it's a big one, but they
have plenty of tax prepares out there, plenty. You need
(27:17):
to know how to vote and where. So before you
do all that, you have to register to vote. And
when you go register to vote, they'll tell you, you know,
because you have to put your address on there and you'll,
you know, tell you where you need to be or
which which district you're in and who are your representatives.
(27:38):
You need to look that up. Make sure you have
or wait to look that up. Voting is important obviously,
especially today. Don't underestimate the power of your vote. I
hate I say what a capital h. I hate when
people say my vote don't count, and I'm gonna say
(28:05):
it doesn't because you don't vote, Yeah, it doesn't count.
That means you don't have the right to complain. You
don't have the right to challenge anything. So vote. You
want to have contacts for legal help if needed, an
attorney prepaid legal for some, but have an attorney available
(28:28):
that you can call, a bail barnsman that you can
call just in case. But you never know what situation
you'll be in that. You know, everybody needs legal help
here and there. I don't know anybody who has not
ever needed legal help, so it's good to have one
on hand. If you're in a Baltimore area, I could
(28:54):
recommend a few got Collin's Legal Group, look them up
Google pretty good with hand. Then a plethora of things,
speaking of which, you'll also need a good reliable network
of people. Let me say that differently. You need a
(29:15):
network of reliable people friends, coworkers, family members, neighbors. You
need to know who you can go to for information
for quick help. You know, like say I need to
get my kid from the from the daycare, or my
kid from the picked up from preschool, whatever it is.
(29:41):
Have a network that can help you out at different times.
Now I want to get back to the home again.
And this is a little bit different from things that
have in the home, but this is this is things
about the home, and again these are things that every
responsible adult should have do accomplish whatever. A stable living situation,
(30:06):
get your own place. Don't go from place to place.
I'm gonna stay with this person for a while, because
anytime you stay with somebody, they can argument can happen,
and the next thing you know, you're getting put out
in the middle of the night. A stable living situation,
go ahead and pay your rent on time. Get your
an apartment, buy a house. That's number one. You want
(30:32):
to have a functional phone and internet access. You're lucky
enough today that we have the internet and we have
these smartphones, five G whatever it is, it's easy to have.
Everybody has access to that, even kids. Make sure you
have a functional phone and internet access because a lot
(30:56):
of things you need to have Internet access is to
make your life easier, whether it be paying a bill,
getting certain information you know Plugging in to information circles
very important. Even having a news app on your phone
that's going to give you alerts. Nothing better than having
(31:19):
up to date things that's going to affect you, especially
when it comes to your safety. You want to have
appropriate furniture. Well Cycle forty eighty one. What is appropriate furniture, Well,
you need a bid. You need a bid, and not
the ones that's going to have your back hurting. So
(31:41):
choose a nice bid. It don't have to be fancy,
you're expensive, but get you a decent mattress that's not
going to have your back hurting. Simple enough. You want
a table, and you want a chair. More than one
chair is advisable, but get your table so you can
sit down and have your meal. I'm not saying you
noticed I didn't mention anything about the living room sofa,
(32:04):
love seat, whatever. I didn't mention any of that because
a lot of times people don't even use it and
it's not really a necessity, but you know, it gets
you some reliable furniture. And let's see, Oh, obviously you're
gonna need light lamps, depends on your situation, but you
know it could be a lot of things in there.
(32:25):
But you definitely just need to have a bed table
and eh, you know things that make you comfortable. You
want basic cooking equipment, pots, pains, good cutlery, silverware or
or utensils, measuring cups people forget about those plates cups. Okay,
(32:58):
you can make it easy too by getting things like
an air fryer, pressure cooker, the multi function pressure cooker
I want to acts as a slow cooker, pressure cooker,
and whatever else. And a nice blender. Yes, get you
(33:18):
a blender. And you want clean clothes for different occasions. Ha,
somebody called you and say, hey, let's go out to
such and such. Have a set of clothes that you
can you can go out, not just a regular homeless
wear that I usually wear. But you want to have
clothes for like work, different types of weather, different types
(33:41):
of events, and even emergencies, and comfortable clothes. You want
comfort clothes. I'm gonna give you a situation story. It
was winter time, and let's say this is a scenario,
and I'm saying it's true, not but it's a scenario.
Let's say it's wintertime and the power goes out and
it's really really cold, and obviously the furnaces out and
(34:02):
you didn't have you don't have a fireplace. So we
say appropriate clothing. You want to have that warm clothing,
the thick pajamas, the under armor stuff, and you want
to have those that comforter a weighted blanket, which I love.
That's not necessary about love it anyway. Those are the
(34:25):
things you need for a different occasion, you know, not
just closed, but I wanted to throw that in there.
Then you have your transportation essentials. Need your a balid
driver's license, or if you're not driving, get you a
transit pass, like a bus pass, like one that you
(34:46):
can use every month or I think they do monthly. Well,
get you a bus pass. And if you do have
a license, get a car or bicycle. I say car,
that includes motorcycles too. And if that's not feasible, at
(35:08):
least have knowledge of the public transportation system, like where
the buses go, where you can catch a bus, How
much is it? I can tell you now in my area,
I don't know how much a bus costs. I don't
know where they go. I don't know anything about the bus.
But if you're not driving or riding a bike everywhere,
(35:30):
then you need to know how the buses run and
with that, you need to have car insurance and registration.
So don't have a vehicle and it's not ensured. There's
not a registered and you're driving around here being a
hazard to everybody. What that said, you need an emergency
(35:51):
kid in your vehicle, Like everybody needs jumper cables. Please
have jumper cables. Everybody, at some point or another you're
gonna need to jump or somebody else is gonna need
to jump. Have some jumper cables and a spare tire,
maybe some light sticks. And you can also have an
emergency kid in there, like a first aid and something
like save you're in a cold area, something happens. I'm
(36:14):
looking at all of those scenarios I see on TV. Car
breaks down, you're in a snowstorm, you're stuck, have something
like water or high energy bar in a blanket. You
can roll all that stuff that stuff in into you know,
a nice little convenient bag and leave in your trunk.
(36:38):
And lastly, speaking of mobility and emergencies, a go bag
or emergency bag and what's in a go bag or
an emergency bag is some of the things I mentioned earlier.
You want to have things like, say, or if a
hurricane's coming. What can you grab if you need to
(37:00):
flay the house quickly, you know those essential items. One,
you wanna need some cash on you because if the
power goes out and you need to pay for something,
you need to have a little bit of cash. I'm
not saying a whole lot, but you just need to
have some cash. Put that in a go back and
I recommend a backpack. So just throw that backpack on
(37:20):
and has everything in their Put some of your your
emergency or important documents into a copies of it, at
least into a zip block bag. Throw that in there.
You want to take your passport in case you're already
overseas obviously, or you need to get overseas. You want
(37:44):
to change of clothes, and you want to have basic
toilet trees, easy, easily stored stored food items. The word
we call it it lost me God, I can't remember.
(38:05):
But anyways, stuff that's not going to spoil. You know,
you can keep candy bars for a while. That those
high energy, the high calorie things. Car assurance registration, you
want to keep that in there. Mmmm, Let's see what else,
all right? I mean this think was in my back
(38:27):
so I got the little foil blankets, water bottles, flashlights,
the Swiss Army Knife, first aid kit, reflecting items. Even
if it's tape that you can tape around the people
you're with yourself, like if you're in the middle of
a storm, you can put the tape around your your
(38:49):
sleeve of your coat in the back. I mentioned flashlights,
flares that that's pretty much hit. I think rope mad rope,
and for some I do recommend having a we call
(39:10):
them things pistola if you're legally able to have one.
My goal bag is going to have a weapon. So yes,
it's gonna have a weapon, it's gonna have water, it's
gonna have you might even throw in there some uh
we call those little tablets that clean the water, that
(39:32):
disinfects water in case you need to get water. And
they also have these little containers, these straws that you
can actually drink dirty water and it cleans the water.
So there's a lot of things out there. Get creative
and definitely a change of clothes underwear. You know, you
(39:54):
can get those little ponchos that fit in a little
what three inch square as you can fold as unfolds
and you got your convenient poncho. So those are things
you wanted to go bag, and if something was to happen,
you could say, hey, we need to go. Now, go
grab your backpack, thought on your back, getting the car,
(40:15):
let's go. And if you do know that a cause
hurricanes don't just happen overnight, but you do know that
the hurricane is coming, there's certain things that you need
to do to prepare for that as well. We won't
talk about that here, that's going to be in a
disaster preparedness segment or episode, but I would say that
if you do have that go bag and you know
(40:37):
that the storm is coming, you want to top off
in gas, make sure that all those lights that you ignored,
you want to make sure you have that taken care of.
You want to have your tires properly inflated, yeah, oh yeah.
And also charge up all electronics that you have, all
the phones, charge them up because you know a lot
(40:59):
of times that they'll have power outergies. And you got
all this food and your freezer, you could turn the
I guess the thermoset down to make it colder, and
make sure you keep everything in there and don't keep
opening and closing the freezer, refrigerator or a freezer, so
it'll last longer. If you have access to some dry
(41:21):
ice and a cooler, that's good too. But yeah, those
are things we'll talk about in disaster preparedness. So that's
pretty much it. I know it was a lot, and
again I don't expect everybody to have everything on here,
but that's something that you could work on. So this
(41:43):
is episode two of Adulting one on one, so please
review episode one and this one. Obviously you can't get
that unless you're listening to me anyway, So well, you know,
you know that and try to work on that and they'll,
you know, make you feel more safe and secure and
(42:03):
think about yourself and your loved ones. So if you
have any questions, you know, you can go to www
dot hot topics that's t O p i X podcast,
hottopics podcast dot com and leave us a comment or
email us Hot Topics Podcasts at gmail dot com. I'll
(42:27):
be happy to hear what you have to say. Any
comments thinking you want to add, I would appreciate it. Oh,
let me get a word of the day, so you
know we have some we have some great prizes for
the monthly winner. So the word of the day is
grown up, grown up. That's the word of today. So
(42:52):
review all the excuse me, review all the the podcast
episodes for the month of August, and at the end,
send us an email to Hot Topics podcast dot com
with the words of the day or words of the episode,
however you want to call it, and yeah, email us.
(43:13):
Everything's timestamped, so the first one it gets all the words,
you will win and we will notify you via email
or apply to your email that you won, and we'll
arrange it where you can come get your prizes. So
thank you for listening. It's been wonderful and I'll catch
you in the next year. Thank you family for listening
(43:33):
to the latest episode of Hot Topics. As usual, listen like, share,
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