Late Start, Heavy Load | DISC 5: Restoration | 411 Podcast🍾Reading Between The Wines (Episode 18) - video Dailymotion

Lerin Gaines

Late Start, Heavy Load | DISC 5: Restoration | 411 Podcast🍾Reading Between The Wines (Episode 18)   Featuring: Coaching Sessions Thursday, Mentorship Series   05.22.25 | 7:00 PM EST   Streaming LIVE on all social media platforms @LERINGAINES   https://leringaines.com  https://linktr.ee/leringaines  https://www.facebook.com/leringaines  http://instagram.com/leringaines  https://www.tiktok.com/@leringaines  http://twitter.com/leringaines  https://www.youtube.com/@leringaines  https://www.twitch.tv/leringaines  https://dlive.tv/LerinGaines  https://dailymotion.com/LerinGaines   Song of The Day: "I'm a Hustla (Remix)" by Cassidy Featuring Mary J.Blige  Released 2005 | I'm a Hustla   Burning Questions: Is there still time to rebuild your life when you're starting over in your 50s with debt and disappointment?   I would love to hear from you! Share your response to tonight's Burning Questions:   Text: (609) 200-1098 | Email: Info@LerinGaines.com   DM on any social media platform @LERINGAINES (Facebook, Instagram, X, TikTok, YouTube, DLIVE, Twitch, DailyMotion)   Sign up for my FREE Monthly Newsletter 'Whispers of Wisdom' for updates, exclusives, and inspiration!   Subscribe now at LerinGaines.com   #Facebook #Instagram #TikTok #X #YouTube #DLIVE #Twitch #DailyMotion #ParentalAdvisory #ExplicitContent #LerinGaines #411Podcast #RBTW #ReadingBetweenTheWines #BurningQuestions #BlackDiamondConsultations #VacationWithMe #WhispersofWisdom #DISC5 #Restoration   DISCLAIMER: The content and information provided by Black Diamond Consultations are intended solely for educational and entertainment purposes. We do not guarantee the accuracy or completeness of the materials, and any reliance you place on them is strictly at your own risk. Our content is not intended to be a substitute for professional advice or judgment. Black Diamond Consultations shall not be liable for any errors or omissions in the educational and entertainment content or for any actions taken based on the information provided.   411 Podcast🍾Reading Between The Wines  DISC 5: Restoration  Track 18: Late Start, Heavy Load  ©️ 2025 Black Diamond Consultations Network  LerinGaines.com

Transcript

00:04:00Welcome, welcome, welcome.

00:04:28Welcome on in.

00:04:29Welcome to the 411 podcast.

00:04:32What's going on, everybody?

00:04:34Thank you so much for joining out there.

00:04:36I see you out there.

00:04:38If you can please do me a favor and please like, comment, share, subscribe, tag a friend,

00:04:44text a friend, do whatever you need to do to let them know what we got going on here

00:04:48on a 411 podcast.

00:04:51I am so excited to be here tonight.

00:04:52This is coaching sessions Thursday, and it truly is a coaching session because I have

00:04:59been coaching since six o'clock today.

00:05:04So I do two hours back to back and we're here.

00:05:07We're rocking.

00:05:08We're rolling.

00:05:09So I want to say thank you so much.

00:05:10And we're going to make this a great show tonight.

00:05:13And I couldn't do it without any each and every one of you out there.

00:05:17So I want to say thank you.

00:05:19And before we get started, I want to give a very special thank you to my executive producer.

00:05:24I want to thank God for giving me another opportunity to come out here and podcast doing

00:05:29a thing.

00:05:30I love connecting, speaking, talking, teaching, working with so many different people all

00:05:37over the globe.

00:05:39And I want to say thank you so much.

00:05:41Please hit that like button.

00:05:42Please subscribe.

00:05:43Thank you so much.

00:05:44I see you all coming in.

00:05:45Thank you so much.

00:05:46I want to say thank you so much.

00:05:48Let's just keep this energy going, keep this energy flowing.

00:05:51And we hear this five restoration track 18 late start heavy load.

00:05:57We're going to get into this.

00:06:00It is the 22nd.

00:06:01I also want to make sure I put that stamp out there because there's so many different

00:06:06shows and we need to stay on track here.

00:06:08So it's the 22nd of May.

00:06:10Thank you all for coming on in.

00:06:12And I want to give a very special thank you to Facebook family.

00:06:16Thank you as well.

00:06:18Thank you all for liking and watching.

00:06:21Y'all definitely did it last night.

00:06:24So let's get into what we spoke about last night on reading between the lines.

00:06:30It was a it was an interesting show.

00:06:33We had a little fun last night.

00:06:35I sipped on some sangria, sangria grande, and it was 11.5%.

00:06:41So I only poured one glass and I definitely was feeling it.

00:06:45But the synopsis of yesterday's show was just.

00:06:50It was out there.

00:06:52We helped Lionel Mariah.

00:06:55There were from Kansas City, Missouri.

00:06:58And they had a big spending problem over $75,000 worth of debt.

00:07:05And they are not really intimate anymore was a lot of a lot of dynamics going on within

00:07:11their situation.

00:07:12Both had great jobs, but they have a spending problem.

00:07:15Myself and Birdman 313, we dissected that scenario the best way we possibly could to

00:07:21be able to give our insight on that as well.

00:07:24So if you want to find out about what happened with Lionel and Mariah with their $75,000

00:07:30worth of debt, barely speaking, they got mortgages, cars, all types of stuff.

00:07:36And the only thing that they knew how to do was wind down like we did on wind down Wednesday.

00:07:41They basically drink at night.

00:07:42So you want to find out about that scenario and that show.

00:07:47Watch that replay from yesterday and special thank you to Birdman 313 for jumping in and

00:07:53helping me dissect that scenario that we had last night.

00:07:59Now we are here tonight and we're going to do it again like we do each and every night.

00:08:03So stick around because we are speaking about late start heavy load.

00:08:08So you want to find out what that's about.

00:08:10Stick around as we get to dissect that.

00:08:12And I have my special guest, Ms. SOS coming in tonight to help me out with that.

00:08:17But we're going to get into this here.

00:08:19Song of the Day, I'm a Hustler, the remix by Cassidy featuring Mary J. Blige.

00:08:26You know, that's my girl that was released in 2005 off of his album, I'm a Hustler.

00:08:31Now I'm not going to turn this into a talk about Mary, but I definitely want to say that

00:08:36my girl did her thing at that Knicks game.

00:08:41I saw it.

00:08:42I don't know if anybody saw it, if you're a Mary fan, but definitely doing her thing.

00:08:47Keep doing it.

00:08:49Keep the fans happy and keep us going because we love to see Mary doing her thing.

00:08:54So this Song of the Day, I'm a Hustler, we're speaking about Cassidy here.

00:08:59This is his record and I'm going to say I love this song.

00:09:04You know why I love it because Mary's on it, but I just love the theme of it.

00:09:09I love the inspiration behind it.

00:09:11I love how it's a gift to the single parent mothers out there, but I'm going to change

00:09:18it to the single parents in general because I know that there's fathers out there who

00:09:24hustle and do what they have to do to make it work for their children as well.

00:09:28And sometimes the fathers don't get, I'm not going to say respect, but it's just something

00:09:35missing sometimes.

00:09:36I know that the mothers are very important because it starts with the mother and without

00:09:40the mother, you know, without women, we obviously wouldn't be here.

00:09:44But the same aspect without men, we wouldn't be here as well either.

00:09:47So I'm speaking about the fathers who are out there actually doing the right thing,

00:09:51being a part of their children's lives.

00:09:53And for the mothers out there who encourage that, that's a lot to be said about that.

00:09:58I know that you two may not be together.

00:10:01It didn't work out, can't work out, not in this space, not on another timeline.

00:10:06It just, we already know what it is.

00:10:09But when you encourage the relationship between your children and their father, because you

00:10:16know that that relationship is important and as long as the father is showing up and doing

00:10:23the right thing, that's amazing.

00:10:27Not a lot of women can do that.

00:10:29Not a lot of women do that.

00:10:31So shout out to all of the single parents out there.

00:10:35You are the true superheroes.

00:10:37I'm talking about the ones that just sacrifice so much just to make sure that their children

00:10:42have a better life than they had.

00:10:44I never wanted my children to experience a divided household and be raised by, you know,

00:10:50two different households.

00:10:52But unfortunately I wasn't able to break that generational curse in enough time.

00:10:59And that came to how I interacted with my relationships, how I conducted myself in relationships

00:11:07in general.

00:11:08I wasn't able to break that in time enough for my children to experience, you know, a

00:11:15solid household.

00:11:18And you know, more is caught than more is taught.

00:11:21I say that a thousand times, more is caught than more is taught.

00:11:24Your children are going to pick up a heck of a lot more than what you think just by

00:11:27watching you.

00:11:28You don't have to sit there and tell them, like for my children, I don't have to tell

00:11:32them how to cuss somebody out because they learn from the best.

00:11:36I'm sure that their vocabulary when it comes to letting somebody have it, it is on point

00:11:41to the T. Now, am I proud about that?

00:11:44Absolutely not.

00:11:45But at least I know that they won't have a problem when it comes to that.

00:11:49But not that we want to, you know, condone that, but more is caught than more is taught.

00:11:55So having said that, I'm thankful that, you know, maybe I didn't, you know, attack the

00:12:03first aspect when it comes to having a solid household, but through my journey, through

00:12:10the trials, through the issues that I've been through, I have been able to break many generational

00:12:15cycles when it comes to spirituality, when it comes to mental health, when it comes to

00:12:22physical and financial wellbeing.

00:12:26Because a lot of those things and a lot of households, we don't speak about it enough.

00:12:33And that's why I'm here to continue to show up each and every night, not just for my legacy,

00:12:39but to help inspire and teach and develop others and to help cultivate this wonderful

00:12:45situation that we have going on here today.

00:12:49So for those of you out there who may be experiencing some of the same issues that

00:12:56I speak about here on the 411 Podcast, I've been there too.

00:13:02That's the reason why I'm here.

00:13:05Don't give up, keep hustling, keep grinding and keep doing whatever you need to do to

00:13:10stay afloat in this game, which we call life.

00:13:14And I'm going to give you some of the lyrics from this because I was in a good situation

00:13:21when this song came out.

00:13:23In 2005, I was probably at the height of my career, making a lot of money.

00:13:29But it's records like this that remind me of where I came from.

00:13:34It's records like this that reminded me when I saw my mother being a single parent, struggling,

00:13:42hustling, trying to make it work.

00:13:45So Mary says to all the single parent mothers just trying to survive, doing what you got

00:13:49to do, working nine to five, because we hustle seven days out the week because we hustle

00:13:57just to stay on our feet.

00:13:59And then there's another line that says, we got to put food on the table.

00:14:04We got to keep our family strong.

00:14:07I love this record.

00:14:09And I just want to say, if you're out there hustling, doing what you got to do, working

00:14:14on you, working on your spiritual aspect, working on your physical aspect, working on

00:14:19that mental aspect, working on that financial aspect, keep hustling, keep doing what you

00:14:24need to do to make it work for you.

00:14:27Because everything starts with self and once you get you under control, then you're able

00:14:31to help others.

00:14:32You're able to help your family, you're able to help the closest ones to you.

00:14:36So keep hustling, keep strong, keep doing what you have to do to make it work.

00:14:43Yeah, we here, we here, we up.

00:14:49I want to say thank you all so much for coming in.

00:14:53Track 18, late start, heavy load, disc five restoration.

00:14:58I'm going to go ahead and bring my special guests up.

00:15:01See what Miss SOS has going on here tonight.

00:15:10What's going on?

00:15:11How are you?

00:15:12Hey, sweet lips, I'm hanging in there.

00:15:16I'm good.

00:15:17I'm good.

00:15:18How's your day today?

00:15:19Oh God, it was hectic, but I survived.

00:15:25We here, we made it.

00:15:27Exactly.

00:15:28I was going to say, I'm not going to lie, I am tired, but I always like hanging out

00:15:41with you.

00:15:42So it's worth it.

00:15:43That's what's up.

00:15:44I appreciate that.

00:15:45I will tell you that Monday, I had one of those days, I was so mentally drained.

00:15:52I don't know what was going on, but yeah, I feel you, I know.

00:15:57So we're going to try to make this as painless as possible, hopefully with some laughter

00:16:05to keep the energy light.

00:16:08Exactly.

00:16:09Yeah.

00:16:10But it's all good though.

00:16:12Welcome on in to Coaching Sessions Thursday.

00:16:16Yeah.

00:16:17So let's get on into it.

00:16:20So we're going to go to Newark, New Jersey, shout out to New Jersey, although I will tell

00:16:25you that I'm not a fan of New Jersey right about now.

00:16:28It has been cold.

00:16:30I'm keeping it real.

00:16:32It's like 45, 50 degrees.

00:16:37I had to dig back into my winter collection and I put on thermals today.

00:16:45Now I was just enjoying a couple of days ago with a t-shirt on, getting kissed by the sun.

00:16:54And then now we back to this BS right here.

00:16:57I was looking in the mirror like, ooh, you got that sun kiss.

00:17:01I like that.

00:17:02And then now we back to this BS, rain, cold, not feeling it, not liking it.

00:17:07What's the temperature where you at?

00:17:10Oh, probably in the 80s.

00:17:14Here it is about to be June in a couple of days and we dealing with 50s and rain and

00:17:1860s and crazy.

00:17:23It's the way of the world, sweet lips.

00:17:25It's the way of the world.

00:17:26What can I say?

00:17:27I can say, I don't like it.

00:17:30All right, so let's head on over to Newark, New Jersey.

00:17:38We helping out Mr. Roland.

00:17:42He's in his 50s and he's a custodian and an Uber driver.

00:17:48So after raising two kids as a single dad, Roland is finally trying to get his life back,

00:17:55but with no savings, back taxes and car repairs piling up.

00:17:59He's wondering if it's too late to break the cycle and he's tired, but he's not ready to

00:18:05give up.

00:18:07So I'll read that again.

00:18:08After raising two kids as a single dad, Roland is finally trying to get his life back, but

00:18:16with no savings, back taxes and car repairs piling up.

00:18:21He's wondering if it's too late to break the cycle.

00:18:23He's tired, but not ready to give up.

00:18:27So what do you think about Mr. Roland?

00:18:34I thought long and hard on this one because I, I feel Mr. Roland, although I don't have

00:18:42that situation, but I can definitely understand.

00:18:46It's never too late for anything, honestly.

00:18:50For any, I mean, he's 50, so really that's not old, you know?

00:18:55Although he's probably tired, but no, first off, he will definitely have to admit that

00:19:05he knows that he's in a situation and he's going to have to do something about that situation.

00:19:13So my thinking is that he would probably search for, I don't know, maybe a counselor

00:19:26or what do you go to when you're in a financial situation?

00:19:34You would go to someone maybe who can help you to get started on a plan or something

00:19:41to work with you and your finances to see where you are and make a plan to pay certain

00:19:51amounts or something like that.

00:19:53I don't really know.

00:19:54I'm just kind of, I mean, that's what I would do, but you know.

00:20:01So I would say the first thing is probably to seek help and have someone to explain what

00:20:11can be done and he's just going to have to, I don't know, I mean, he's just going to have

00:20:22to do what he can if he doesn't want to be in that situation.

00:20:25I'm sure that he'll find something to help or to solve this problem to get him on the

00:20:35path of getting out of debt.

00:20:38Yeah, yeah.

00:20:40Yeah, that definitely makes sense.

00:20:42I love how you says that it's never too late.

00:20:46That's key.

00:20:47So many people think because they're older that they can't change and we can always change.

00:20:56Every single day that we wake up, we have the opportunity to think differently and do

00:21:00something different.

00:21:01So I love that aspect that you said it's never too late.

00:21:06However, I will say that even though it's never too late, that doesn't mean that it's not

00:21:12going to be a challenge and it's not going to be hard.

00:21:15So I think as you time ticks, because time isn't forever, well, it is, but we aren't here

00:21:23forever, so you have to work harder.

00:21:31And so if you're in your 20s and you're listening, congratulations because you're in the

00:21:35right spot. If you're in your 30s, OK, you might have a little setback by the time you get in

00:21:41your 40s. All right.

00:21:43We starting to play with the nice now 50s.

00:21:47That's a scary moment.

00:21:49Now, as a financial coach, I have to keep it real.

00:21:52When you're 50s and you're playing games, that means your 60s are going to be a hell of a lot

00:21:58harder. So for me, I'm in my 40s and it's called a decade of sacrifice.

00:22:03You don't have to spend at least 10 years of hustling like like we spoke about earlier, making this

00:22:09thing work so that by the time you get in your 60s.

00:22:14You can be all right, so.

00:22:18Yeah, he has some work, like you said.

00:22:22But the first part.

00:22:24Like you said, admitting that he's in a situation.

00:22:28Some people want to admit that they have a problem.

00:22:32That was that was powerful when you said that, admit that he's in a situation.

00:22:37I like that. And when we know that we when we when we can get out of our own way of thinking

00:22:47that we know it all. And say, OK, I can't do this on my own, maybe I might need to seek some

00:22:53help, maybe I need to reach out to somebody, maybe I might need to ask questions, go to a library,

00:22:59pick up a book, listen to a podcast, do something to try to seek something other than what I

00:23:06think I have between, you know, my two ears.

00:23:10So seek some help some kind of way.

00:23:15Yeah, and definitely because in this day and age, I mean, 2025, you can virtually I mean,

00:23:25it's like like you said, a podcast.

00:23:28I mean, there's so many podcasts out there that you can just, you know, go on Spotify or

00:23:35whatever social media platform you use.

00:23:38And I mean, people are out there.

00:23:40You know, the information's out there.

00:23:42You just have to do a little research and see who you feel comfortable with.

00:23:48I know that's right.

00:23:49I don't want to, I don't want to.

00:23:54There's definitely, I'm sorry, there's just a there is a level of comfort, I think, that people

00:24:00people need, not that they need to be pacified or anything, but sometimes you just have to find

00:24:08somebody who you're able to connect with so that the communication is raw.

00:24:16And when I say raw, I mean, it's authentic that you're not holding anything back.

00:24:22Now, see, that's good.

00:24:24Raw and honest feedback because you don't want it.

00:24:30I spoke about this a couple of nights ago.

00:24:32You don't want anybody who's just going to sugarcoat things.

00:24:35You don't want anybody who is going to sell you a dream.

00:24:43Like this is reality, this is what we have to deal with.

00:24:46And yeah, I would say congratulations as a single father raising two kids.

00:24:56That's not easy.

00:24:57We don't know what the backstory is.

00:24:58We don't know why, but we know it's not easy.

00:25:03And you're in Newark, New Jersey, so that ain't easy either.

00:25:09So congratulations for getting through that.

00:25:16I don't know how old they are.

00:25:19No savings.

00:25:20I wouldn't get down and out about no savings because there's a lot of people who have no savings.

00:25:25Most Americans don't have over $2,000 in their bank account to cover an emergency.

00:25:31So that doesn't mean that we can't build one.

00:25:34We can build an emergency savings fund.

00:25:39The back taxes.

00:25:42Seek professional help, like you said.

00:25:45They have the tax forgiveness, not tax forgiveness, but the repayment plans.

00:25:49I don't know the ins and outs when it comes to the taxes.

00:25:52All I know is that when it comes to them, whatever they want, I pay them.

00:25:55I keep them away on no parts of them.

00:26:00You owe. Excuse me.

00:26:01I got you immediately because I want no parts of that.

00:26:05You don't want to get into any back tax situation.

00:26:08So that's something.

00:26:12The car repair is piling up.

00:26:16That's a problem.

00:26:19And there's two things that I was always told as a kid, teenager, whatever, growing up.

00:26:26You want to take care of two things, your house and your car,

00:26:30because you need some place to stay.

00:26:32Everybody needs to have some place to stay.

00:26:35But you don't have to take care of that car because you got to go and get that money

00:26:39to take care of the house.

00:26:41So you always want to make sure that your transportation is on point.

00:26:43So investing in better transportation is, I would say,

00:26:51that's probably one of the first things as well on a list to do.

00:26:56You're probably saying now, how can he do that when he clearly is struggling as it is?

00:27:07Yeah.

00:27:09I don't know.

00:27:10I mean, because, OK, now let's just use me for example.

00:27:16I moved all the way to this place that I live in to take care of my grandson.

00:27:24He's my first grandson.

00:27:28I don't have a car.

00:27:30I had to get rid of my car before I came here.

00:27:33However, there is a car for me to borrow.

00:27:39So I'm responsible for the insurance, which is not much at all, the upkeep and the gas.

00:27:48Now, I was fortunate enough that I can do that.

00:27:52So I'm just kind of hypothetically speaking or thinking maybe

00:28:03he knows someone who has a car.

00:28:08A lot of people have used cars that are just kind of maybe sitting around.

00:28:13And they want the car to be used so that it doesn't go bad.

00:28:21And so maybe he can work out something with someone,

00:28:28I mean, providing that he even finds someone like that.

00:28:32And the reason why I'm using this as a scenario

00:28:35is because I was a military wife for 20 years.

00:28:39And whenever we traveled, when we were exiting whatever state we were in,

00:28:46there are loads of people who have used cars.

00:28:49And they'll say, hey, we know that you guys are packing out and your car's gone,

00:28:54but we'll rent the car to you for like $10 or $15 a day.

00:28:59Just put gas in it and keep it up or whatever.

00:29:02So that happens a lot in the military.

00:29:05So I think that's why I use that example that maybe he can find someone.

00:29:13But again, he's also trying to get his finances together.

00:29:25It's not that he's going to use that person's car forever.

00:29:29But he does need some kind of transportation.

00:29:32Yeah, that's a good point.

00:29:36Thank you for bringing it up.

00:29:37First of all, I didn't know that.

00:29:39I didn't know two things, that you lived that life for 20 years.

00:29:44I didn't know that.

00:29:45That's the first.

00:29:47Second aspect is I didn't know about the renting of the cars.

00:29:54A light bulb just went off because that's in military towns.

00:29:58There's constantly in and out, in and out, in and out.

00:30:00So it's kind of hard to keep up with that like that.

00:30:04And then what do you do?

00:30:05You buy a car.

00:30:06And then now, all of a sudden, you've got to be shipped somewhere else.

00:30:09And then now, you have to sell it.

00:30:10And you have to deal with the nonsense and the BS.

00:30:12And you can't take the car with you.

00:30:14So that's interesting.

00:30:18Yeah.

00:30:20I mean, we can take our cars with us.

00:30:22But once all the household stuff is packed up, the car goes with it.

00:30:29So then we fly to our destination.

00:30:32And then we have to wait for our car.

00:30:35But usually, when people are exiting the island

00:30:38and they still maybe have a week or so with the island,

00:30:42that's because I was living on Guam.

00:30:44But wherever they're living, normally, there's

00:30:49somebody in their community that will have a car.

00:30:56And that's what they do.

00:30:58They just tell you, you can use it for however long you want.

00:31:04This is what we ask.

00:31:06And there's insurance and all of that.

00:31:07But I mean, it's nothing astronomical.

00:31:10It's just to help you to get around.

00:31:12Because it's difficult coming in and going out with nothing.

00:31:19Now, as I'm looking at this, and we're sitting here going

00:31:23through this, he's an Uber driver.

00:31:28That will probably be the reason why he may have some car repairs.

00:31:33And they're piling up.

00:31:35Now, there's one thing that I, as a financial coach,

00:31:40I do not recommend.

00:31:41First of all, without being a financial coach,

00:31:43because I would never do it myself.

00:31:45Whenever someone wants to make money,

00:31:47the first thing that they think about is Uber.

00:31:49Think about Uber.

00:31:51They think about door dashing.

00:31:52They think about all of these things because it's easy money.

00:31:55But you don't realize, if you don't,

00:31:57that there's wear and tear on your car.

00:32:01And now when that messes up, now what you going to do?

00:32:06Now you're messing up your main transportation source

00:32:11that you need to get the money in the first place,

00:32:14your main source of income.

00:32:15And then now you're Ubering on the side.

00:32:18Yes, you're making money, but there's

00:32:20wear and tear on your car.

00:32:21And then what's going to outweigh?

00:32:23Because most of the time, I don't know,

00:32:27but that money that you make is not

00:32:31going to cover the expenses because we're not putting money

00:32:35aside for the rainy day.

00:32:39Yeah, exactly.

00:32:40We're just living in a present moment.

00:32:41And yes, we have extra money coming in, and it's great.

00:32:44But there's wear and tear on that car.

00:32:46Eventually, you're going to need to get it serviced.

00:32:50So that could be one of his problems.

00:32:53So maybe the solution is maybe we just

00:32:55find another side hustle other than Ubering.

00:33:00Yeah, because Ubering is definitely

00:33:02a hustle kind of a job, though.

00:33:05You want to know why I couldn't do it?

00:33:09Because I don't want nobody in my car.

00:33:12I couldn't do that.

00:33:13What about you?

00:33:14Would you be able to do that?

00:33:17No, because I'm an ex-smoker, and I

00:33:20can't stand to smell people who have smoke on them.

00:33:25So if someone smoked a cigarette maybe, I'm sure,

00:33:30five minutes before, you would be able to smell.

00:33:32But what if it's an hour ago?

00:33:34You still can pick that up?

00:33:38Oh, yeah, when you're a non-smoker,

00:33:40because it's all over you.

00:33:41It's in your clothes.

00:33:42It's in everything.

00:33:45You wouldn't want them in your car, huh?

00:33:48No, no.

00:33:52If I can say, when I was married and I was living

00:33:56in Dumfries, Virginia, Woodbridge, Virginia,

00:34:00maybe most people know Woodbridge.

00:34:03So it's like maybe a 40-minute drive into DC.

00:34:11So they have those lines.

00:34:14Well, they call it the slug line.

00:34:15I don't know what they call it in Jersey.

00:34:18But it's where people line up to go to different places.

00:34:23So my ex, he would be going to the George Washington

00:34:27University, because that's where he

00:34:29worked with the kids who were going into the Navy

00:34:36as officers or whatever out of college.

00:34:40So anyway, different people would pull up,

00:34:45and you would be in that particular line already.

00:34:49And I told him, I said, if someone rolls their car down

00:34:55and it smells like cigarettes, we're not getting in there.

00:35:00Because in the wintertime, the windows are rolled up

00:35:05and the heater's on.

00:35:07That is the most god-awful smell in the world.

00:35:11And I have bronchitis.

00:35:12Oh, yeah.

00:35:14So no, the answer is just no.

00:35:18Now, it's so funny, because as a kid,

00:35:21I remember coming back, taking 295 or not 295, 95.

00:35:27Sorry, I got the roads mixed up.

00:35:29And I always seen the sign for Dumfries,

00:35:33as you just basically told me what it is.

00:35:37But you know what I thought it was as a kid?

00:35:42What?

00:35:43I can imagine.

00:35:44Absolutely.

00:35:45Dumfries.

00:35:46I'm like, what the hell is this place?

00:35:48I want to go to Dumfries.

00:35:49Do they sell fries?

00:35:50That's what I used to think as a kid.

00:35:52Yeah, it's right next to Woodbridge.

00:35:58And then you go to Stanton or, I don't know, not Stanton.

00:36:05Stafford?

00:36:05Is it Stafford?

00:36:06I don't know.

00:36:07I've been away from Virginia for a while.

00:36:09Virginia for a while.

00:36:10But anyway, so yeah, Dumfries, Virginia.

00:36:16Interesting.

00:36:17Learn something new every day.

00:36:18See, it's never too old.

00:36:20Never too old to learn something new.

00:36:23All right, so I think we cracked it here.

00:36:26I think that maybe his problems is this Ubering.

00:36:30I would stop it with the car, Ubering people around,

00:36:35try to get that under control.

00:36:36And if the car is not worth it, try

00:36:39to find some help, a professional,

00:36:43with those back taxes.

00:36:44That is key because, listen, they'll come in there

00:36:47and they'll take money out of your bank account.

00:36:49So you want to fix them.

00:36:50There's so many different aspects here,

00:36:52so many different dynamics that I

00:36:55know we're saying, admit this, that you did this,

00:36:57and you have a problem, and seek some professional help.

00:37:02Yeah, there's a lot going on here.

00:37:04Number one, you're an Uber driver

00:37:05and your car is having a problem.

00:37:07Now, you get in a car and somebody needs to go to an airport

00:37:11and it breaks down.

00:37:13No good.

00:37:14That person is not going to be happy

00:37:16and that's not going to be a good situation,

00:37:17and you probably will not get any good reviews.

00:37:20So I would probably find another side hustle.

00:37:24I'm going to take it to the top because there's so much.

00:37:26Another side hustle, cut out the Uber drivering.

00:37:32Drivering, driving.

00:37:34I knew what you meant.

00:37:36I knew what you meant.

00:37:38Focus on that savings.

00:37:40I know it's hard.

00:37:41I know it's easier said than done.

00:37:42And so many people are like, what are you talking about?

00:37:44But focus on that emergency savings

00:37:46and you'll thank me later.

00:37:48Start with at least $1,000.

00:37:50And if you can't with that, with the situation,

00:37:53try to slug away $20, $25, $50 a pay cycle

00:38:01until you can get up to that.

00:38:04Fix those back taxes because they will come in and wreak

00:38:07havoc.

00:38:12Yeah.

00:38:13Seek that professional help, whether it's the tax

00:38:18forgiveness, debt consolidation.

00:38:22I don't think a financial, I mean,

00:38:24I do know that financial coaching is good,

00:38:28but this is when you are on track, you don't owe.

00:38:34Yeah, so you need to focus on that three-letter word.

00:38:40Did I say that right?

00:38:42They have three letters in their name.

00:38:43You need to focus on them.

00:38:44Get them out of the way.

00:38:46I don't even want to say them.

00:38:49They take care of you immediately.

00:38:52So I think that that's what we have for Mr. Roland.

00:38:56Yeah.

00:38:57I do want to clarify something.

00:38:59I think I was, what I said was OK,

00:39:03but I was thinking that he didn't have a car,

00:39:08but he was just having issues with his car.

00:39:13And that's why I said the thing about maybe he

00:39:17could find somebody out there who could lend him a car

00:39:23because I was thinking he didn't have any transportation at all.

00:39:28But he does have transportation.

00:39:30It's just that the bills are racking up

00:39:33because his car is taking wear and tear.

00:39:39Yeah.

00:39:39And he's got to have repairs and things like that.

00:39:42Yeah, so that is very important.

00:39:48But I want to say, when I was living in Charlottesville,

00:39:52Virginia, which I just moved from in 2024,

00:39:57I was there for 12 years.

00:39:59That's the only place in my whole life

00:40:04that I've ever lived in one place for 12 years.

00:40:10My whole life, I mean, I'm 64 now.

00:40:13And it just blew my mind that I was there for 12 years.

00:40:16But what I wanted to say is the kind of life that I have,

00:40:23you might be able to call me a nomad person.

00:40:29And I did have a car.

00:40:31And then there was a time when I didn't have a car.

00:40:35And then I got a car again.

00:40:37But for me, because of how I live my life,

00:40:44I lived in a college town.

00:40:45So it was very easy to get around.

00:40:50And also, I have a lot of points

00:40:57racked up with Amtrak.

00:40:59Because I just hop on the bus 10 minutes away, go to Amtrak,

00:41:05go to DC, hang out, stay.

00:41:08Because all of my relatives are there anyway.

00:41:11And then come home.

00:41:13And I use the bus.

00:41:14I use the bus a lot.

00:41:16But Charlottesville is not really that big anyway.

00:41:19So for me, that style of life worked.

00:41:23You know what I mean?

00:41:25But for everybody, it's not going to work.

00:41:27But for me, it's like, oh, well, shit.

00:41:29I don't have a car.

00:41:30But you know, well, the bus is there.

00:41:33Look, I don't have a problem taking the bus.

00:41:36I mean, whatever.

00:41:37Like I said, I was a military wife for 20 years.

00:41:40So I don't think it's anything that I haven't done.

00:41:43Well, I've never stayed in a hostel before.

00:41:48But that's going to be on my list, though.

00:41:49I am going to stay in a hostel at least once just to try.

00:41:53But anyway, I'm just talking about the transportation part.

00:41:58Well, yeah, I'm going to chime in on that hostel.

00:42:00One thing I have to say to that is, more power to you.

00:42:04Because you know I ain't doing it.

00:42:05That's the first thing.

00:42:07Second thing, let's talk about the car situation.

00:42:12So I will tell you that don't be embarrassed

00:42:17by the car situation.

00:42:19Because cars have been very important in my lifetime.

00:42:24Because as a kid, we had the worst car on a block.

00:42:30The worst car on a block.

00:42:32Like you could hear us coming before you saw us.

00:42:36And I want you to picture Ace Ventura.

00:42:39Do you remember the car he had, Ace Ventura?

00:42:41Those were the types of cars that we had growing up.

00:42:45Now, so when I started to get cars, I was very,

00:42:50I'm trying to think of the right word.

00:42:55Help me out here.

00:42:56What word?

00:42:58It's not a complex, is it?

00:43:00I had a situation where I had to have a nice car.

00:43:06So I got myself into situations where I was, what I drove

00:43:10was more important than anything.

00:43:13And I got myself into situations where

00:43:15I had to get two cars repossessed.

00:43:18It was actually a me possession.

00:43:20I told him to come get it because I

00:43:21ain't paying you no more.

00:43:23It's one thing when they come and steal it from you

00:43:25when you're at work or you're whatever.

00:43:27But there's a such thing called the me possession

00:43:29when you basically know that absolutely not, I'm not doing

00:43:31this, come and get it.

00:43:32Now, I'm not giving anybody any advice of how to do this.

00:43:35But what I did was I knew that this was coming,

00:43:37so I stopped paying them.

00:43:38And that money that I was going to pay them every month,

00:43:41I socked that aside and I went and got me another car.

00:43:43So then when they did come and pick it up,

00:43:45guess what?

00:43:45It wasn't an issue because I already had my wheels.

00:43:48Now, if you let them just come and outright take it from you

00:43:50and you don't plan, that's a whole nother story.

00:43:53But then on the aspect, you still

00:43:55have to pay that money back.

00:43:57So just be very careful with that, too.

00:44:00But there's nothing wrong with just saying, guess what?

00:44:03I just don't drive.

00:44:04I just don't drive for a little bit

00:44:05while I get myself out of debt, especially if you can walk.

00:44:10Like you said, if you can take transportation,

00:44:12if you can ride a bike, if you can ride a scooter.

00:44:15Listen, when you sit there and worry

00:44:17about what somebody else thinks of you,

00:44:19then that's when you got a problem.

00:44:20But if you don't care about any of that stuff.

00:44:23I don't.

00:44:24And right about now, let me tell you,

00:44:27I can't wait till these self-driving cars kick in

00:44:30because I don't want to drive no more.

00:44:32I want somebody to drive me around.

00:44:35So I'll be signing up for these little cars that

00:44:38will be driving these self-driving cars

00:44:40because I'm ready for it.

00:44:43Push a little button on your cell phone

00:44:45and an automated Uber is sitting right outside your house

00:44:48in less than five minutes.

00:44:50I'm all right with that.

00:44:52Yeah, like the Jetsons.

00:44:54Who knew, right?

00:44:55I'm all right with that.

00:44:57What do you think about that?

00:44:58Would you get into a self-driving car?

00:45:04I probably would.

00:45:06I think I would just wait for a minute

00:45:11and just kind of check it out or whatever.

00:45:14But yeah, I would.

00:45:15I don't, yeah.

00:45:17You're smart.

00:45:18You never be the first person to jump on.

00:45:20You let everybody else test drive it first.

00:45:22Yeah, yeah.

00:45:23Let me see how they, what's going on.

00:45:27Did they end up in the ocean?

00:45:29I don't know.

00:45:32But you know, I did see them when

00:45:34I was in Arizona in January.

00:45:37On a road.

00:45:39No kidding.

00:45:40What did it look like?

00:45:42Well, it's a regular car, but it has

00:45:44like flashing lights on the top of it and on the sides.

00:45:48And they constantly swirl and flash.

00:45:50So when you're driving, you know that that's

00:45:52a self-driving car.

00:45:54And I thought it was interesting when I was driving

00:45:57and it turned.

00:45:58It was in a turning lane and I was going past it.

00:46:01So I said, oh, that's interesting.

00:46:03But when I went for a morning walk one day,

00:46:07it started coming down the street.

00:46:09And my first instinct was to run.

00:46:14Because it reminded me of like a runaway shopping cart.

00:46:18Like you don't want to get hit.

00:46:20Yeah.

00:46:21I got myself in check.

00:46:22I said, that's kind of crazy that you'd be trying to run.

00:46:25Like just chill out.

00:46:26It's a, you know what it is.

00:46:27Because I passed it on the road the other day.

00:46:29But yeah, it's interesting to see it kind of freaks you out

00:46:32a little bit when you see nobody in there

00:46:34and a car just driving down the street.

00:46:37I know, that's really wild.

00:46:40But they're in Arizona and they are moving to California.

00:46:45So my prediction is that once they tackle California,

00:46:49the next state is New York.

00:46:52Now if they can conquer that in New York,

00:46:55it's a complete rollout.

00:46:57Because those people drive like crazy in New York.

00:47:01Don't they though?

00:47:02You know, they did.

00:47:03You know what?

00:47:04There's no difference between New York drivers

00:47:08and people who drive in the Philippines.

00:47:11Wow.

00:47:13And people who drive in the Philippines,

00:47:15they have their own rules.

00:47:17I swear.

00:47:18And I don't want anybody if you're Filipino

00:47:21to get offended.

00:47:24But I had a personal driver

00:47:29because we were diplomats in the Philippines.

00:47:31So I was, you know, sitting in the back

00:47:34and our car was to the far right.

00:47:40Well, there was a car in the far left lane

00:47:44and it just cut all the way over.

00:47:46Like it was just nothing.

00:47:49It just cut all the way over to the right

00:47:51in front of our car.

00:47:53And my driver who's Filipino, he says,

00:47:56ma'am, don't worry.

00:47:58He said, they know how to drive.

00:48:01It's just how people drive here.

00:48:03And I say, yeah, well, you don't have to worry

00:48:05about me driving here.

00:48:07Yeah, I know that's right.

00:48:09I drove a limousine in New York.

00:48:15I was, don't know what I was thinking,

00:48:17but that job lasted for about maybe three to six months.

00:48:22But I was shocked.

00:48:24Stretch limousine.

00:48:25And man, yep.

00:48:29Gee, yeah, no, I wouldn't drive in New York either.

00:48:37My favorite part.

00:48:38Well, you know, people say they won't drive in DC,

00:48:40but I was born in DC.

00:48:43So I know all the circles and, you know, all of that stuff.

00:48:48But, you know, some people are like,

00:48:51oh no, I'm not driving in DC,

00:48:54but I guess maybe because I'm used to it.

00:48:58They got it.

00:48:59You said a lot of circles and stuff there.

00:49:01Oh, circles galore.

00:49:02When whoever designed that place,

00:49:05it wasn't Thomas Jefferson,

00:49:07whoever the president was or at that time.

00:49:11Yeah, everything is a circle there.

00:49:14Wow.

00:49:14You know, so you drive around circles.

00:49:19First of all, I wouldn't like that.

00:49:21And I wanna say that is so mystical

00:49:23that you brought up Thomas Jefferson,

00:49:25because my next question was gonna be,

00:49:27have you ever been to the White House?

00:49:30Yes, I have.

00:49:31And also, you know, Thomas Jefferson,

00:49:34Charlottesville, Virginia is the home of Thomas Jefferson

00:49:38and James Madison, I think.

00:49:40That's the president's, yeah.

00:49:43James Madison is the one that jumped out the window, right?

00:49:47Oh, did he jump out the window?

00:49:49I don't know.

00:49:49Maybe that was Andrew Jackson, I don't know.

00:49:52Yeah, yeah, but no, Thomas Jefferson,

00:49:55you know, he had all the slaves and South,

00:49:59what's his name?

00:50:00Sally, I don't even wanna say the name

00:50:03because I lived there so long

00:50:04and you'd think I'd know the lady's name,

00:50:06black lady, that he had all the kids with, but yeah.

00:50:11Wait a minute, wait a minute.

00:50:13I'm sorry, I don't mean to cut you off.

00:50:14Thomas Jefferson had kids with a slave?

00:50:20Yeah.

00:50:21Why don't I know that information?

00:50:22I'm sorry, everybody, if I don't know that information.

00:50:26Oh yeah, he was getting over, he was getting out, yeah.

00:50:30I mean, they all do, right?

00:50:31But yeah.

00:50:32Interesting.

00:50:34Yeah, they have little babies, you know,

00:50:37running around and stuff,

00:50:38but he was what, our third president?

00:50:42Yeah, but yes, I have been to the White House, actually.

00:50:46That was when Clinton was in office,

00:50:49our next door neighbor,

00:50:51when we were living on Bowling Air Force Base in D.C.,

00:50:54he's like, hey, you wanna go to the White House?

00:50:57And I'm like, yeah, let's go to the White House.

00:50:59And we got a chance to go in one of the rooms

00:51:02and it's pretty nice, yeah.

00:51:05But then when 9-11 came, D.C. is not the same anymore.

00:51:12All the wonderful free events

00:51:14that they put on for the public,

00:51:19like the Easter egg hunt at the White House.

00:51:25Yeah, we went to all of that stuff.

00:51:27I mean, Ben and Jerry's ice cream all day long,

00:51:32M&M candies, like just anything that you could think of,

00:51:38you know, marbled eggs.

00:51:40And if you found a egg with the cat's print on it

00:51:46or the dog that they had,

00:51:48or if it just said the White House,

00:51:50it was absolutely fantastic.

00:51:53All of it was free all day until they closed it down,

00:51:58every Easter until 9-11.

00:52:02Wow, that's crazy.

00:52:04And I was on the highway when the airplane came down

00:52:10to hit the Pentagon.

00:52:15That's amazing.

00:52:15Like I saw the airplane and I thought,

00:52:17that's really weird.

00:52:18Like, why would the airplane be over here?

00:52:21And the next thing I knew, there was this big loud boom,

00:52:26a ball of fire, and then smoke everywhere.

00:52:29And I turned the radio and said

00:52:30that it just hit the Pentagon.

00:52:35Yeah, so anyway, we won't go get off the subject,

00:52:40but one thing keeps leading to the other.

00:52:42I know, right?

00:52:43We just sit there and just sat in that school.

00:52:46That's good, you know how it goes.

00:52:48All right, well, ladies and gentlemen,

00:52:51now is the time where we get into

00:52:53our segment of burning questions.

00:52:56If you like tonight's show,

00:52:58if you wanna give us feedback,

00:53:00if you wanna chime in on tonight's burning question,

00:53:02please feel free to text me at 609-200-1098.

00:53:06Again, that number is 609-200-1098.

00:53:10That is the official 411 Podcast

00:53:11reading between one's hotline.

00:53:14And tonight's burning question is,

00:53:17is there still time to rebuild your life

00:53:20when you're starting over in your 50s

00:53:23with debt and disappointment?

00:53:25I'll read that again.

00:53:27Is there still time to rebuild your life

00:53:29when you're starting over in your 50s

00:53:32with debt and disappointment?

00:53:36What do you think, SOS?

00:53:40Like I said before, yes, indeed.

00:53:45But it's gotta be a thing where you really

00:53:49are going to be intentional about it.

00:53:51And like I said, the first part is just admitting.

00:53:56Seek help, find some counseling,

00:53:58just see what's gonna work for you,

00:54:01even if you have to go through a few people.

00:54:03But it is never too late.

00:54:05It's never too late, ever, ever.

00:54:10I agree.

00:54:11Yes, there is still time.

00:54:12If you are breathing, you still have time to get it done.

00:54:18It won't be easy, easy as it would have been

00:54:22if you had started a long time ago.

00:54:24That just means you're gonna have to hustle

00:54:26and you're gonna have to flow a little bit harder

00:54:28than the average bear, but you still can get it done.

00:54:35Yeah, and I just wanna add one more thing.

00:54:40I know that we don't really know everything

00:54:45about this person, but sometimes we have to take into account

00:54:57as far as what they are able to do,

00:55:02because nowadays, much older people are having to learn

00:55:10new things or to do things differently

00:55:13than they would before.

00:55:14So then they have to come out of that mindset.

00:55:17Well, we used to, well, it's no longer we used to.

00:55:20It's like what we're doing right now.

00:55:22So get on board, suck it up.

00:55:28Cause I'm one of those people too,

00:55:30sometimes I'm like, I don't wanna do that shit.

00:55:32But then it's like, well, you don't really have a choice

00:55:35because they don't do things like they did

00:55:39when you were born, people were dinosaurs.

00:55:42I know what you mean.

00:55:45I was born in 61, you know what I mean?

00:55:48Life was fucking great.

00:55:50Well, I get caught up in that too.

00:55:54Okay, for example, I was in the store

00:55:56and this lady was asking me about the sale

00:55:58and I'm like, well, didn't you get the text message?

00:56:00And she's sitting here saying,

00:56:01I don't want to do the text message.

00:56:04And I told her, well, I said,

00:56:06well, you might get left behind.

00:56:08So that was me letting her know

00:56:10that you need to get it together

00:56:11cause I'm sure you text your children or your grandchildren.

00:56:14You can sign up for a text message

00:56:16if you want this discount.

00:56:17That was the one thing.

00:56:19But then I find myself when it comes

00:56:22to how the prices used to be,

00:56:26I got to get with myself and say,

00:56:28no, when you go to Burger King or you go to McDonald's,

00:56:32nowadays a good 15, $20 is only going to get you

00:56:37enough food that you need.

00:56:39Forget about when you were in high school,

00:56:43when I could go up and get something for five or six bucks

00:56:47and hook my friends up as well.

00:56:51That don't work no more.

00:56:52That $20 ain't going to stretch for four people no more.

00:56:55That's only going to focus on you.

00:56:58I have to tell myself that when it comes

00:56:59to the prices of things too.

00:57:02Oh yeah, absolutely.

00:57:05Yeah, you can't get stuck in that.

00:57:10Yeah, and just thinking back

00:57:15since we are talking about things from way back

00:57:18when I was in junior high school in DC,

00:57:23I was a bi-coastal kid.

00:57:25So what I mean by that is whatever parent

00:57:29I was living with at the time,

00:57:31that's where I went to school.

00:57:32So my dad was in DC, my mom was in California,

00:57:35so I went back and forth.

00:57:37But anyway, I was living in DC at the time

00:57:39and we went on a skiing trip to Massanutten.

00:57:44And I'm trying to think like it was probably mid 70s.

00:57:52Do you know how much a pack of cigarettes costs?

00:57:54Yeah, I did smoke when I was in junior high school, y'all.

00:57:58I'm going to say a dollar.

00:58:0475 cents.

00:58:0775 cents, can you believe that?

00:58:09No, because I asked somebody recently

00:58:11how much a pack of cigarettes are.

00:58:13And I could be wrong, but is it close to like,

00:58:20this is probably too high.

00:58:22It's not close to $15, is it?

00:58:25It's possible, in 2008, when my youngest son

00:58:32moved to Flushing, New York,

00:58:34and me and my oldest son, we went to visit

00:58:37and he's like, hey, can we stop at a bodega

00:58:40or something to get cigarettes?

00:58:42$8 a pack, that was in 2008.

00:58:46That's possible, it's up there.

00:58:48$8, yeah, yeah, it's possible.

00:58:53That's crazy, because I remember going to the store

00:58:55when I was younger and my aunt would send me,

00:58:58this is when little kids could buy cigarettes.

00:59:01And I used to buy them for her and it was $2.

00:59:06I know, right?

00:59:08And that's, your parents would write you a note

00:59:11and send you down to the corner to get some cigarettes?

00:59:14I'm going to.

00:59:16That's amazing.

00:59:18Ooh, but what about when we used to,

00:59:20well, you probably don't remember this, Laren,

00:59:22but when I used to fly, like years ago,

00:59:25you could smoke on the airplane.

00:59:27Oh, hell no.

00:59:28It was, yes.

00:59:31It was so normal to just sit there and smoke

00:59:34and put in that little teeny ashtray on the arm seat.

00:59:39Everybody was smoking cigarettes.

00:59:40Oh, hell no, yeah.

00:59:43First of all, you got all that radiation

00:59:45and mess going on up there.

00:59:47And then now you've got cigarettes too in secondhand.

00:59:51Well, now you can say that.

00:59:53You can say that in 2025, but that's not where you were.

00:59:58You know, like in the seventies,

01:00:00you smoking at the doctor's office,

01:00:02you smoking in the grocery store.

01:00:06It's amazing, isn't it?

01:00:07Hell, they might as well just let people drink too.

01:00:11Oh, they probably did.

01:00:13Yeah.

01:00:17You've got a way of mustachioness.

01:00:19Oh my goodness.

01:00:21Wow.

01:00:22Yeah, but yeah.

01:00:23I'm an ex-smoker who cannot stand to smell cigarette smoke.

01:00:30That's that.

01:00:31Yeah.

01:00:33And that's a deal breaker for dating too.

01:00:35If you smoke-

01:00:36What about if somebody vapes?

01:00:38Because you can't smell that.

01:00:40If they vape, I guess that's okay.

01:00:44But cigarette smoke, nope, not happening.

01:00:48I just don't like the smell.

01:00:49I don't like the smell of it.

01:00:53Well, what else would you like to add

01:00:55for tonight's segment before we get out of here?

01:00:58Well, if you used to do things the old way

01:01:04and now you're still living

01:01:07and you know that you have to change over to the new way,

01:01:13you may not want to resist so much.

01:01:17And it's hard, it's difficult

01:01:20because sometimes you just don't know what to do.

01:01:23And you don't know how to deal with it.

01:01:26And it's hard, it's difficult

01:01:28because sometimes it just doesn't make sense.

01:01:30But however, that's how the times are these days.

01:01:37So you'll just have to get with the program

01:01:41and I don't know, learn something different.

01:01:45Yeah, that's some good advice there.

01:01:48Your banking, everything.

01:01:49I mean, pretty much everything,

01:01:51even shopping or everything is like online

01:01:57and I'm not an online shopper.

01:01:58I wanna go into the store and touch the clothes

01:02:01and I wanna see if they fit my butt

01:02:03because I don't have a apple bottom or whatever.

01:02:06So, I mean, not saying that

01:02:09because you have an apple bottom,

01:02:12but all jeans don't fit me.

01:02:14I just cannot go and say, oh, let me pick out a pair.

01:02:19I can't do that online stuff.

01:02:22I need to make sure that the pants fit me.

01:02:24Now, yeah, when it comes to clothes,

01:02:27yeah, I feel you on that.

01:02:29But everyday stuff, I want that stuff shipped to me.

01:02:32I don't wanna be in no line for no deodorant, toothpaste,

01:02:36all that, send that right to the house.

01:02:40You're so extra, Laren.

01:02:41I'm just serious.

01:02:42No, I worked in retail for over 25 years.

01:02:47I don't wanna be in a store.

01:02:48I can't stand being in line.

01:02:51I want no parts of it.

01:02:54He said, just send it to the house.

01:02:57Just send it to me.

01:02:58When can I get it?

01:03:02It's all right, though.

01:03:03You know, I always say that about you,

01:03:05so not to take it personal.

01:03:10Yeah, because if I had to say

01:03:13who was spoiled between me and you,

01:03:15I definitely have to say you.

01:03:17I don't know.

01:03:19Yes.

01:03:20No, you're spoiled.

01:03:21So you'd be surprised.

01:03:25Okay, all right, all right.

01:03:29Well, I wanna say thank you so much

01:03:30for helping me out with our scenario

01:03:36with Mr. Roland here in Newark, New Jersey.

01:03:39Thank you for your insight.

01:03:40It's always a wonderful time catching up with you here.

01:03:45Thank you, I appreciate it.

01:03:48And I hope that the viewers or the listeners,

01:03:51is that what you call them, listeners?

01:03:53Is that the right word?

01:03:54I call them listeners.

01:03:55Yeah, hopefully they appreciate what I'm saying,

01:04:00but I'm not an expert on this.

01:04:02I'm just merely giving my opinion

01:04:05or what my common sense might tell me to do.

01:04:09But yeah, so everybody's working

01:04:12with whatever they're working with.

01:04:14So handle your business and hopefully you get it right.

01:04:20Yes, yes.

01:04:22Well, next week, same place, same time, right?

01:04:26Yes, darling, same time.

01:04:29Okay, so we'll talk to you next week.

01:04:31You have a wonderful rest of your week

01:04:33and thank you so much for coming through.

01:04:35Thank you, talk to you later, bye-bye.

01:04:38Good night.

01:04:40Well, ladies and gentlemen, there you have it.

01:04:42That was Ms. SOS coming through to help us tonight.

01:04:48Thank you all so much for joining.

01:04:49I see there, if you could please do me a favor

01:04:53and please like, comment, share, subscribe, tag a friend,

01:04:56let them know what we have going on here tonight.

01:04:59We are getting ready to get out,

01:05:00but we will be here same place, same time next week

01:05:04for coaching sessions Thursday.

01:05:077 p.m. Eastern Standard Time right here.

01:05:09I am on Facebook, Instagram, X, YouTube, TikTok,

01:05:13DLive, Twitch, Daily Motion.

01:05:16You can text me at 609-210-98.

01:05:19Again, that number is 609-210-98.

01:05:23That is the official 411 Podcast

01:05:25Reading Between the Lines hotline.

01:05:28And if you'd like us to help you out,

01:05:32if you have something that you'd like us to help you with,

01:05:35if you have something that you'd like us

01:05:37to try to crack the code on,

01:05:39you certainly email me at info at laryngaines.com.

01:05:43And I know a way to protect the innocent.

01:05:47So don't be worried about that.

01:05:50If there's something that you'd like me to discuss

01:05:53and help you out, email me.

01:05:57We can switch some things around

01:05:58so that nobody would even know that it's you.

01:06:01Info at laryngaines.com.

01:06:06And on that note,

01:06:07if there was something that you heard tonight,

01:06:10if there was one piece of information

01:06:13that sort of sparked something and you sparked an interest,

01:06:17you can head over to laryngaines.com

01:06:19and sign up for my free 15-minute consultation.

01:06:24I focus on debt-free living

01:06:27through the lens of spiritual, mental, physical,

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01:06:34Laryngaines.com, sign up for the free 15-minute consultation

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01:07:03And on that note, ladies and gentlemen,

01:07:06I will see you when I see you.

01:07:08Thank you so much for everybody out there for joining in.

01:07:10Thank you to Ms. SOS for joining in.

01:07:12Thank you to all of the new people

01:07:14who joined for the first time.

01:07:15If you could please like, comment, share, subscribe,

01:07:18tag a friend, invite them in.

01:07:20And again, I will see you when I see you.

01:07:23This has been Coaching Sessions Thursday.

01:07:26thank you so much for your time and I will see you soon.

01:07:30Take care, bye.

01:07:33Love you.

01:07:36Love you.

01:07:38Love you.

01:07:40Love you.

01:07:43Love you.

01:07:50Love you.

01:08:55I'll see you in the next one.

01:09:04Bye!

01:09:05Bye!

Late Start, Heavy Load | DISC 5: Restoration | 411 Podcast🍾Reading Between The Wines (Episode 18)

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