WEBVTT
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Hey Couple E Fit fam.
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Welcome back to another episode.
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Today we are talking about marriage, but specifically something called financial dating and how this also plays into marriage expectations.
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I'm telling you what.
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Right now some people have some false expectations out here.
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Listen, you see we're going to get into a viral clip that you saw, that I'm shocked.
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I'm shocked by People are saying it's treacherous out here in the dating world.
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I heard, I heard, I heard.
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It's treacherous waters.
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But before we get started, if you are watching us on YouTube, please like and subscribe.
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Our podcast episodes drop every Tuesday.
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You can find us on YouTube, apple Podcasts, spotify Podcasts we're everywhere y'all Stay tuned.
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All right, let's get into it.
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So, first and foremost, money is the number one source of conflict in marriage.
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What do you think about that?
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They're absolutely right.
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I mean because I feel like money can be the number one conflict without marriage.
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That's period Like if you have no marriage going on and the money is funny or the change is strange.
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Come on, Things getting a little bit weird just internally of like, oh, I would really want that, but you know what?
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I can't afford it.
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So add in a partner, add in wants that you both have, add in potentially a kid Right.
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Or just you're adding in the baggage of two people coming into a marriage a kid right.
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Or just you're adding in the baggage of two people coming into a marriage.
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And now you're talking about financial barriers or challenges.
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It just you already know it can be difficult to talk about or something you don't even want to get into.
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So some people just keep it completely separate and things get worse.
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Yes, and to your point right, We've heard separate bank accounts and then we have a joint bank account where those are that's where the bills come out of is the joint account, but then you know, you don't know how each person is using their money.
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We've also heard of allowances.
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So the allowance that is so triggering.
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The allowance is pretty egregious.
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I agree.
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When you hear a couple of stuff like, well, yeah, I got my spouse or my partner on an allowance, you're like who?
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Your child or your partner?
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That's one.
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The second one to your point that I don't really like when I hear people say, when couples do the separate accounts, that we have joint accounts, we have shared accounts, but people that have separate accounts.
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I hate when a partner says like, basically, you ain't got no money, but I got money.
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I've got money I got money, I'm good, you ran through your money and I just feel like that approach again now.
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If somebody is not good with money, right, and you have to be mindful, that's one thing.
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But just to kind of have that, but that's also what it sounds like.
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It sounds like right, that sounds like somebody is the spender, somebody's the saver.
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That's true, and somebody knows how to budget.
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Somebody doesn't know how to budget.
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So I think that you know that's something to be taken into consideration, because if you are the person that is doing the budget and you're the one that's trying to keep the finances in order, but yet your partner is just spending swipe, swipe, swipe, swipe, then that that's very challenging amazon boxes showing up every day every day and telling the amazon there's a door, there's a doormat now that says move my Amazon boxes to the side of the house.
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So my husband doesn't see it.
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I mean there's, it's a whole doormat and it says all of those words on this doormat.
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And then you got wives.
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What's the thing that?
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That?
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What's what you said?
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Girl math?
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You taught me this.
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I had no idea.
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So if I, let's say, I buy something for a100.
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If I wear it 100 times it's free, what do you mean?
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I got my money's worth.
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I do understand having your money's worth.
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I don't believe in that, but I do see how that math is.
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I personally don't believe in that.
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As the one that's the budgeter, I don't believe in that.
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But I've had that's all over social media.
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Girl math.
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It's a slippery slope is what it tells me I bought my pair.
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You know, I bought a pair of $800 Louboutins and I wore them 800 times, so they're free.
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So here's what I will say If you do spend that much money on something, I do appreciate that.
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They wore it 800 times, so I will just say that.
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That part.
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That's one, that part.
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I want you wearing those every day.
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If you can right, those are going to be your every days now.
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But also it works both ways right, because we were on a podcast recently, shout out to jay.
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But jay elevate was like man, I'm buying you know two thousand dollars worth of shoes.
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I was like that is, I love sneakers, but, oh boy, that's a mortgage payment.
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So it can work either way in a relationship.
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But I think also what we talk about is it's important to have these discussions either pre-marriage or, if you didn't have it pre-marriage, have it right now.
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It's never too late.
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It's never too late, and that's actually a perfect segue into something else I wrote down, which is singles worry about financial compatibility before saying yes to commitment.
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Yes.
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So I think that's very key.
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Are we financially compatible?
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And we're going to ask a question here in a little bit that is maybe a trigger warning for some, as we ask a little bit later in the episode.
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You want to stay tuned because this will be a riveting discussion, but I want you to quickly go into the viral clip that you saw that prompted us to actually create this episode around this topic of financial dating yeah, I mean, I saw there was a lady said she wasn't going on a date if somebody didn't put down a thousand dollar deposit okay, okay is that the one?
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okay, that's the one I mean that was?
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I mean, if it was a thousand dollars, $20,.
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Is it simply the fact that you're paying to go on this date, or is it the fact that it was that you're even asking?
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It's all of the above.
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So, I don't care if it's $20 or $1,000.
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I feel like we're, to put it simply, I feel like I come from an era.
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We come from an era where, like, if I'm'm getting to know you, what is the deposit for?
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Like, literally, we're supposed to be getting to know each other and connect.
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Okay, I don't understand understand, I understand where you're coming from.
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Let me ask you already, because you're the one that saw the clip.
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Yeah, you, you can't wait to go into the comments too.
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Oh y'all one thing about Kurt.
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Kurt is he.
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He's a fan of the foolishness, but it it's three generations deep, y'all.
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Just know that, just know, just a little fan.
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So you're a fan of the foolishness, so you went into the comments.
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I did.
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And either what were the comments saying or what was the rest of her caption saying.
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Why was she asking for $1,000?
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So I got some additional contacts, okay, and what helps is that and this speaks to the era that we're in, which I think is a part of the financial dating is that come to find out.
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This is a former olympian that went viral with this clip, but it sounds like she's a part of the of or the only fans era as well, so that adds a layer of complexity, because I was trying to figure out the thousand dollars a deposit, but now this sounds like a whole separate business model, but I think it also goes to the business model.
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I think it goes to a whole separate era, though, that we're living in right now, where it's about, when you say financial dating, it's about this fast money, it's about this what are you going to do for me?
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Era, and I think so many people are getting consumed by that.
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So that was one more context that came from the comments, but I think there's also these other trending viral clips that we're seeing, where women going out to eat and they're purchasing food for the date and for later or for their kids.
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That's unacceptable.
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So I'm just saying that these are all, even though take the OnlyFans out.
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To me that's you're talking about a $200, $300 date Unacceptable.
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But I'm paying for your kids for meal for tomorrow at work.
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Well, hold on, that's crazy.
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Hold on, I'm just going to throw this out there, I'm ready.
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This is again.
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These are not my personal opinions or thoughts Go to the comments.
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What are the comments saying?
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My comments would say if you're dating me, you're dating my kids, so you will eventually have to buy me a meal and my kids a meal.
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So why not start now?
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You know now meal and my kids a meal.
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So why not start now?
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You know now, so I hear what you're saying and you know now, and can I tell you what that that prompts me?
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It goes back to the financial compatibility.
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It ain't tricking if you got it so if someone is going into it with the understanding, but most people ain't got it that's my point.
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So, if you're coming into the situation and let's also talk about the fellows, because there's a lot of fellows that are putting themselves financially forward where you're presenting yourself- that's right finances is what you're basically saying.
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I'm not going to give you quality time.
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Yes, I'm not going to necessarily be romantic, I'm not going to do all of these other things.
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The finances are why you're here, so you got to understand.
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If you get somebody, that's only about the finances, but that's how you present yourself when the money gets funny, don't.
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Don't be surprised when they start acting strange come on or don't be surprised if someone else comes to the table with more money.
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Absolutely.
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And they jump to the and they're gone.
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Yeah, it's almost like a client in business Somebody's offering more benefits and they jump to the next opportunity.
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Well, again, right, you're going to value add.
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What is your value add?
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And the value add that you're talking about, at least from the male standpoint, is I financially have the money to be able to support all of your aspirations and you know, whatever you want to purchase and buy Right, as opposed to a value add of compatibility you can rely on me.
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I am somebody that we're partners in this thing called life.
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Yeah, and it's not just about if you only bring this one thing to the table and anything shakes within that one thing, I'm either gone or I am upset and not.
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You know, I'm not somebody who's going to be here.
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No, it's not, actually no you're absolutely right because it's we see it happen in an instant right, whether you're a pro athlete and you're married to somebody and they're a wag right wives and athlete.
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You know the wives and girlfriends that are athletes and then that's sensationalized sensationalized on social media.
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Everybody wants to be a housewife or a, you know, a wag.
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And then today, you know, you look at this week cuts are happening.
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So NFL players are going to be getting cut.
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They're cutting down from 90 plus people that are currently on rosters down to 53.
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So when you look at that, people are losing their job.
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What happens to your partner if you don't have that title anymore?
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Do they still want to be in a relationship if that's what you brought to the table?
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I love what you said about the compatibility too, because when I think back to us dating, right, we're going back, you know, 10 plus years ago.
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Right, we've been married for coming up on nine years.
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But I think about the compatibility, one of the things very early on was I wanted to know are you going to get to know me for me?
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Are you getting to know me for whatever reason?
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So, like our first date.
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So I'm just going to perfect example of that is our first date was at Dave and Buster's.
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It wasn't a thousand dollar dinner where I was, you know, putting down the black card saying this is how I can wine you and dine you.
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It was literally.
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It was a $20 power card.
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We're having a good time getting to know each other, but I just I thought it was very genuine so I use it as an example that there are women out there, there are men out there that aren't just in it for the money, it's not just about financial dating, they're genuinely trying to get to know somebody.
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And I felt like that was our scenario, because at the time, there was no money, there was no jackpot money and like all of those things.
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Yeah, correct and right.
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At that time your aspiration was to be an NFL player, although that was not something that I even wanted to invest into.
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We had that conversation of oh, you're playing, I'm good, that's, that's okay.
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You kind of do your own thing and you know, um, we can see where this goes.
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But ultimately we realized that exactly what you said right it was.
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You know, we were kind of fresh out of college, so you're broke, like you don't really have that much money.
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I was working full time in food and beverage, and so you're broke, like you don't really have that much money.
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All I was working full-time in food and beverage and so you're working off of tips.
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You know you're hoping that people are, and that's.
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We're gonna do another episode on that, by the way, because we have some stories server life.
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We have some tea for y'all on that, but, um, so we didn't have that much money.
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And again, we weren't.
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We were never the people that are acting like we have something when we don't.
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I think that's that's what we're seeing now, especially with social media, because you're seeing everybody's highlights, specifically on Instagram.
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I do feel like with Snapchat and TikTok, people are being a little bit more real.
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It's a little bit more of like.
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This is true reality where, like I'm, I'm rolling out of bed, my hair's, you know, messed up, I'm just looking how I typically look every day, as opposed to getting myself done up for Instagram.
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But we're seeing that with the highlights that are happening on social media, people are then saying, well, if that person has that, then I should definitely have it.
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I deserve it and, don't get me wrong, I think everyone deserves the lifestyle that not only they can afford, but the lifestyle that is compatible to where you are within your money range.
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I'm laughing right now because there's something.
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We just had a family reunion and one of my cousins who's coming in college right now told me that you know the person that she's dating when he proposes.
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How many carats did she say she wanted?
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You know what?
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How many carats.
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How many carats did she say?
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She wanted Four or five carats.
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I thought she said six carats.
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It was something she said four or five carats, but remember, we looked because I saw Ronaldo's fiance's ring and that was something like 30 carats fiance's ring and that was something like 30 carats.
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It was wild.
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So then I just was like let me just throw this in the chat GBT and see what it spits out On average.
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They said normal people, which come on, normal people is around one carat.
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They said, like celebrities are closer to four or five carats, and then they went on from there.
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But I was wow.
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And I just want to put into perspective the type of he's got it, that's where.
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I was going.
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Got it Type of long money Ronaldo has.
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Ronaldo's got it Anytime your prenup goes viral.
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They had the prenup go viral.
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I didn't see that when I read the prenup, the just to put in perspective the amount.
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So when people talk about a 30 carat or I think the prenup said if they divorce or they split up, she gets.
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I think the prenup said if they divorce or they split up, she gets.
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I think it was like $2 million a year for like forever.
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And this is like playing it small, because this is if it doesn't work.
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Yes, this is her alimony, essentially Basically.
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He's got that much money.
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But I think the problem to your point, in the influence of social media era there's so many people faking.
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People are looking at the .001 percent which is a superstar soccer player and now that makes the the you're making that the bar, yes or or if.
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If ronaldo is at 30 carats, and that's the high, you're making the bar four carats, three carats, and it's like do y'all understand how expensive that is?
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especially if you want know we'll start talking clarity.
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Oh my gosh, you haven't even started going into that.
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She didn't even say that, she just said custom.
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Do you want custom?
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Do I want custom?
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Do I want engraving on the inside of my ring?
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This all costs money, y'all.
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And then I asked her the question well, I said, cuz, what does your partner do?
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She said, well, this is what he wants to do, this is what his job is going to be.
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This is the potential.
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This is the potential and I said let me stop you right there.
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I said based on the conversation that we're having.
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If you want four to, five carats that sounds like something 20 years from now.
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Yes, once he reaches and achieves A 10 year anniversary.
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A 10 year anniversary when it's the diamond anniversary.
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I need a new one that's a 25 year.
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That's a 25 year ring that you guys do a read like what that's.
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That's your ring 2.0.
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Your first ring is he's still got to pay off the school that he's going to yes, it's getting startering, it's just like a starter house and I and I feel like.
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The perfect example of it, though, is like almost like a car yeah and I feel like we had humble.
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we had humble beginnings.
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I remember my car, which really wasn't even my first car, it was my sister's car.
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That became mine because I got an older sibling, so it's like it was a hand-me-down, and I remember like taking stuff out of her trunk to like clean it up right, because it's like it's a blessing that you have a car.
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I just wanted to get from point A to point B.
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That's it.
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I don't care what, I just need to get there.
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I'm not walking.
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Preferably not, and I'm not asking anybody for a ride.
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I just remember that feeling was like whoa, whoa, that's kind of what it needs to be.
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That's what it needs to be.
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In the first ring you went from being single lady to now I'm engaged or married.
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Be grateful for whatever that is and also know this doesn't have to be that forever ring.
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You can always reinvest, you can add to it, you can stack rings on top of it, but I think we just can't.
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I think it gets so downplayed.