4. Financial Realities of Social Work with Sam B. Part 2

Taylor (00:02)
Sam, want to, we've talked, we've talked a lot about a lot of different things, but I want to talk. You've been paying off a lot of debt recently and I want to talk about that because yeah, we, I mean, I still have a lot of debt. talked about.
Faith (00:00)
your social workers. Yeah, yeah.
Samantha   (00:01)
Yeah.
Taylor (00:18)
know, Faith and I's journey and where we're at in a previous episode. But I know a lot of social workers have debt and kind of like struggled to figure out like how to attack it. And, you know, just kind of getting over that hump of even starting somewhere. So I want you to take us back to just the beginning of that and like what even like motivated you to
Samantha   (00:37)
Mm
Taylor (00:46)
something.
Samantha   (00:47)
Yeah, that's a great question. I feel like a lot of the career decisions I've made pretty much from the time that we've moved here has been focused on how can I get myself out of debt? Because when I, and where I really committed to getting out of debt was when Ross and I were talking about buying houses. Cause I, like the most shame I have ever felt was when I realized like I can't even be on this house.
I was like, you've got to be kidding me. Like I can't, I can't even, I will literally bring down this entire setup. And that, that was not okay for me. Obviously what motivates me is not like, I mean, things that are good for me motivate me, but the things that motivate me are doing things for other people. Probably why I'm a social worker. But at that point I had,
Taylor (01:38)
Yeah, yeah.
Samantha   (01:45)
left DaVita, started working at which again gave me another nice little bump. I was making like $90 ,000 a year was huge. So that extra income helped me pay off my car. So I just, started like rolling into, okay, what can I focus on? How can I get out of this? I had a targeted, I just started like kind of mapping everything out.
Faith (01:55)
That's great.
Samantha   (02:13)
I was like, okay, how can I target? Like, what am I, what am I going to get out of first? had a lot of bad credit card debt, made huge mistakes about that. just like thinking that I could fly to Seattle to visit my friend Hannah in grad school and I could just put it on a credit card. Like I could not, I should not have done that. You know, just like little stuff like that, but like needing this feeling of being free, you know, just like things like that.
Taylor (02:13)
Mm -hmm. Mm -hmm.
Mm -hmm.
Faith (02:20)
Yeah.
Hahaha!
Samantha   (02:43)
so I guess, and I got this, got the house that we're in now in 2021. struggling with trying to figure out how to get out of that. So the first thing that I was trying to tackle was my private student loans. so I had a target payoff date for that for like May, 2022.
Faith (02:58)
Yeah, right.
Samantha   (03:07)
I was gonna do my last payment, give him a call, roll right into paying the next one. But look.
Faith (03:12)
When you say roll right into pain the next one, what do you mean? Like are you doing, like what's, can you explain that? Yeah.
Samantha   (03:17)
Mm -hmm. I had three separate $7 ,000 loans and when I paid off one, I would go to paying off the next one. You had to do one at a time. Or I could only afford to do one at a time.
Taylor (03:27)
Mmm, good.
Faith (03:29)
Did you take?
Okay, did you take the payment that was applied to the first one and apply that amount then plus towards the next one, like so it was a larger payment? Okay.
Samantha   (03:43)
No, they, when you do a, what did I call it? A debt, sorry, I have it written right here somewhere. A debt percentage payoff through a private student loan. You sign an agreement with them. You can pick to pay it off in 12 months or 24 months or anywhere in between.
Faith (03:57)
Yeah.
Samantha   (04:11)
And I obviously picked 24 months because it was the lowest amount.
Taylor (04:13)
Okay, so they told you how much you would be paying. Gotcha.
Samantha   (04:17)
Yeah, they said, all right, you're going to sign this. You're going to pay $179 a month every month for the next two years. I couldn't, I could have, but I didn't. Yeah.
Taylor (04:25)
Mm -hmm.
Faith (04:25)
Could you pay more if you wanted to? Okay, I was just curious. Yeah, yeah, yeah, I was just curious, because sometimes, yeah, that depends. So, if you can or not, okay.
Samantha   (04:35)
Yeah, I could have, but I didn't because I was also trying to pay off my car at the same time. You know, I was struggling with doing a lot of that. somewhere through all of this, I, I, if I was going to give like, if there, if I could give any credit to advice that I have gotten in my social work career,
Taylor (04:43)
Mm -hmm.
Samantha   (05:01)
I would give it to my friend Morgan. My friend Morgan, when we were in undergrad, worked at the UGA Career Center. And it's just like little things, you know, that you keep in your mind for later. She told me and probably a lot of other people, always keep your resume ready. And obviously that bleeds into a lot of different things, but.
Taylor (05:13)
Mm -hmm.
Hmm.
Samantha   (05:27)
that, you know, mostly I took that as like, don't, you know, there's always a job opportunity out there. You can always make more money. Don't, you know, you can love a job, but you can also love another job. Yeah, like you can be content and happy in a job, but you can also be content and happy in a higher paying job. You just, you'd be ready, be open. You never know. So I say all that to say,
Faith (05:40)
I like that.
Taylor (05:47)
Mm -hmm.
Faith (05:47)
Hmm.
Taylor (05:50)
Mm -hmm. Mm -hmm.
Samantha   (05:54)
When I got hired on at organ procurement program here in the state of Oregon got a $2 ,000 raise. So I from making 90 to 2 ,000. And then somewhere in there, our boss, us a market adjustment. And when I got that market adjustment, I got bumped up to 101, which was huge for me, absolutely massive.
Faith (06:14)
Hmm.
Taylor (06:17)
Mm -hmm. Mm -hmm.
Samantha   (06:19)
And when I got that bump, I can't remember how much extra I had a month, but that's when I really started to tackle my debt. I was also still picking up shifts at the transplant center I was working So I was just like, I'm ready to go. Yeah. Yeah. Like I said earlier, you know, I can do things for myself, but my real motivator is, you know, what do I do for other people?
Faith (06:19)
Mm
Taylor (06:26)
Mm -hmm.
Faith (06:31)
Of course, because you're a grinder, you know.
Taylor (06:35)
Yeah.
Faith (06:48)
Yeah.
Samantha   (06:48)
you know, cause ultimately like Ross and I also want to buy another house. We want to do all of this stuff and I want to be on that loan. I want to be a part of that. I don't have any assets. The only asset I have is my car. It's like, it's the most expensive thing I've ever owned. You know, when, so when I got that bump,
Taylor (07:00)
Mm -hmm.
Yeah.
Samantha   (07:14)
I realized I have to really seize this opportunity. How can I really tackle all of my debt? Can I get out of it? And luckily with the help of my good friend Taylor here, she created a space where we could, you know, sit down. I could be honest with her, probably for the first time I'd ever really been honest about a whole bunch of stuff with someone. Even I couldn't even talk to my partner Ross about it, you know, and he knows everything now, but you know, Taylor really helped me understand.
how I can use this big raise and how I can help tackle everything. So let me pull this up. So.
Faith (07:50)
Yeah, what did that look like when you two sat down and you kind of worked through things?
Taylor (07:54)
I don't remember the first time that we met. Maybe it was just we were just, or what we did the first time. think maybe we were just kind of like talking about your debt. And I was just like, you know, getting a, trying to get a sense, I think. And I remember telling you like, Sam, just tell me, like, tell me what you got going on. I'm not here to judge you. Like, it's okay. It's okay. We've, lots of us, many of us have been there. It's a safe space.
Samantha   (08:23)
Yeah, I can tell you exactly what happened.
Taylor (08:25)
Go ahead, tell them.
Faith (08:26)
Hahaha
Taylor (08:30)
Tell us Sam.
Samantha   (08:32)
I can tell you exactly what happened. You had me print off my last three credit card statements and we sat down with a highlighter and we highlighted everything that I had been doing. And you also asked me to bring in all of my numbers with all of my student loans and my car loan and we sat down and I was like, holy shit, I'm actually in the negative every month. Like, how did I get here? I got to get myself out.
Faith (08:41)
There you go.
Taylor (08:54)
Mm -hmm.
Mm -hmm.
Samantha   (08:58)
you know when I when when I sat down and I like saw like okay this is how much money I have after taxes I'm like my god I should have way like I should be way farther out of debt than I am right now so
Faith (09:07)
I know.
Taylor (09:10)
Yeah, yeah. I'm curious about the, you know, I think the printing off the bank statements such an important like activity for someone to do to really understand spending habits. I'm curious us doing that, like how was that impactful for you?
Samantha   (09:25)
was super impactful. realized like I was tough for me cause I love to work out and I love to go to classes and I, know, something that we were highlighting was I was paying like a hundred and something dollars a month for unlimited access to a yoga studio. And I could also just stop paying for that, even though was, you know, really heavily correlated with my mental health.
Faith (09:43)
Mm.
Samantha   (09:51)
Now, know that I can be okay, I can do other stuff. I don't need to be paying for something like this every month. Doing that helped me a ton because then I just like reallocated that money to paying off my car. So I know at some point I canceled that.
Faith (09:58)
Right.
Taylor (10:07)
Mm -hmm. I remember there were times where you were like, I remember buying that. I remember going shopping. We don't need that. think I want to explain a little bit like if you're interested in doing this, off your bank statements and having color highlighters for different, you know, categories and transactions. So it's like food is green. Shopping could be pink, you know, yellow is I don't know, whatever, whatever. Yeah, exactly. So you can kind of
Faith (10:26)
Hmm.
subscriptions to things or yeah.
Taylor (10:36)
How much money am I spending in all these different areas? And I remember there was like kind of a shopping trend in those statements that you're like, I didn't need to buy that. I didn't need to do that. But.
Faith (10:49)
Hmm.
Samantha   (10:50)
certainly wouldn't classify myself as an addict, I can feel the dopamine hit when I go and I buy something at Target. Like, God, it feels so much better. So I've had to really...
Faith (10:56)
Sure. Me too. Yeah.
Taylor (10:56)
Mm -hmm. Mm -hmm. yeah. yeah. They've created it to be that way, right?
Faith (11:07)
Yeah, yeah.
Samantha   (11:08)
Instagram markets to me so well. I will 100 % buy this dress that I don't need. I have to work through that a lot. I think Taylor, you gave me this advice and I've gotten this advice before. You have to take that moment, that moment where you're ready to hit pay and buy it. You just step away. Walk away for a second. You'll forget about it. Poof, you don't need it. Look at that.
Faith (11:12)
I know.
Give it space, yeah.
Samantha   (11:35)
I sent an email to Taylor, I think back in May, when we were talking about doing this episode, and I had like sat down and looked at every piece of debt that I had. I had...
Taylor (11:48)
Mm -hmm.
Samantha   (11:50)
I owe $91 ,167 in federal student loans. I had three separate private student loans from Wells Fargo that were about $7 ,000 each. Excuse me, I had five private student loans.
Taylor (12:08)
Mmm.
Faith (12:09)
of five that were 7 ,000 each.
Samantha   (12:11)
Three that were $7 ,000 each, two that were about $2 ,500.
Wow, I forgot about that. I think this was higher when Taylor and I had met originally, but at the time that I did this, I had $3 ,851 in credit card debt.
Taylor (12:21)
Mm -hmm.
you
Mm -hmm.
Samantha   (12:34)
And then I had a car loan. My original car loan was $14 ,448.
Taylor (12:39)
-hmm.
Samantha   (12:39)
And my federal student loans, I've paid it all off.
Taylor (12:45)
You're done paying off your credit cards? Sam!
Faith (12:45)
That's amazing.
Samantha   (12:50)
Yeah, I did it.
Taylor (12:51)
Gosh, I feel like that was really like when we were sitting down, was like, let's tackle this credit card debt. Like, how do we get out of this? And what did you start with when we met? What was it at?
Samantha   (13:03)
Well, this, yeah, it was at $10 ,000. it was something outrageous.
Taylor (13:06)
Okay. that was, was that in like the beginning of this year around?
Samantha   (13:13)
This was no, this that was that was two years ago when I first got hired on And I've gone through periods where I like get it down and I ramp it back up, but somewhere.
Faith (13:17)
Okay.
Taylor (13:18)
Okay.
okay.
Yeah.
Samantha   (13:26)
around, I don't know why I remember this, $7 ,000. I pretty much throw away any crap that we get in the mail from a credit card company, but for some reason this particular day I was like, what's this from Discover? And I opened it up and they were offering an intro, like 0 % interest rate with a balance transfer, you know, and they take a small fee. And honestly, that helped me get out of that debt.
Taylor (13:56)
Mm -hmm.
Samantha   (13:56)
that helped me the absolute most. was paying, I was paying $500 a month originally on my credit cards while also paying $500 a month on my car payment. but I'm also picking up shifts whatever money I got immediately put on car or credit cards. Just.
Taylor (14:12)
Mm -hmm.
Samantha   (14:23)
put it right on there. so at some point last year, I paid off my car and then I just moved that money that I had paid on my car into my credit cards and not having to pay like a, what is it, a 29 % APY, something insane.
Taylor (14:40)
Yeah, that was another, I remember that was another thing that we looked at. It was like, okay, your credit card has this, yeah, 30%, 29 % interest rate. And I remember us actually even highlighting the interest that was getting accrued. It was like, this is, this really just hurts the, the progress, you know? I mean, you were making big payments, but even still.
Faith (14:40)
Yeah.
crazy, crazy interest rate.
Samantha   (14:50)
Stupid.
Yeah, I wasn't doing anything. It wasn't doing anything in the long run. transferred it over, yep, for 18 months, which is huge. That's a long time.
Taylor (15:10)
So you transferred it over to the Discover card, 0 % interest. And that is huge. For the other card, like the card that you were transferring it from, what did you do with that card?
Faith (15:15)
Yeah.
That is, yeah.
Samantha   (15:26)
I don't use it anymore.
Taylor (15:27)
Were you using it during that time? You were just like, no. I think that's like, that's a, I think that is like the key to, to this like situation in particular. I think it can be tempting to, it's like, okay, I'm going to transfer this balance over here as 0 % interest. I don't have to worry about it. I'm going to start using this other card. And I think kind of like changing your relationship to the credit card is a really big.
Samantha   (15:31)
No. No, I wasn't using it at all.
Faith (15:32)
smart.
Mm -hmm. Mm -hmm.
Taylor (15:57)
is a really big thing. And that's something that, that we did in my household too, when we were paying off our credit card debt, where it was like, I just need to stop using this so that I can kind of like get a handle on just spending the money that's coming into my bank account. I don't need to worry about points or all of that. feel like for a while it was definitely like FOMO, you know, I want to get the points. But if you're paying interest, the points are.
Samantha   (16:01)
Okay.
Taylor (16:23)
kind of a wash, you know? And so that's huge that you're able to just like stop using that and then, yeah.
Faith (16:25)
It's a wash, yeah.
Samantha   (16:32)
Yeah, and I'm going to be honest, I went through a period where I did really well and I got back down. I think I got down to like $3 ,000 and I was like, I can, I'm okay. can do it again. You know, you know, honestly, and this is going to sound so funny, but you know, with credit cards, what gets me the most is the tap to pay. The tap to pay is like all I care about.
Taylor (16:49)
Mmm. It's so easy.
Samantha   (16:55)
I don't want to, I gotta put my debit card in, I gotta put in my PIN number. tap to pay is for some reason like a real nice little dopamine hit for me. Like I'm like, yeah, I don't have to deal with that anymore. And I just keep going. So that has been like something pretty much in the last six months that I've been like retraining my brain to just be like, all right, well for 28 years, this didn't matter. So why do you love this tap to pay thing?
Faith (17:03)
Ha ha!
Hmm.
Samantha   (17:23)
You know, it's a funny little thing that I've noticed about myself. so, I, transfer, I got really scared about transferring the money over to the 0 % balance fee because I just, didn't want to open another credit card. think at that point, like now I have one, two, three, I have five credit cards. One I closed out, because it was just like my beginner card and I don't need it.
Taylor (17:26)
Mm -hmm. Mm -hmm.
Samantha   (17:53)
Because if you read everything online, it's like, here's all the things that impact your credit score, payments on time, how many you have open, a percentage that you're using of your allotted, you know what I'm trying to say.
Taylor (18:09)
Yeah, like the utilization. Yeah.
Samantha   (18:10)
Credit limit? Yeah, how much are you utilizing of your credit limit? So I was always given the advice, like don't ever close out a credit card that can impact you negatively, but it doesn't, like five points, like it's nothing. Close your credit card out. If you're just tempted to use it, it's not really gonna matter. No.
Faith (18:15)
Mm -hmm.
Mm -hmm. Mm -hmm.
Taylor (18:25)
Mm -hmm. Mm -hmm. Mm -hmm. It's not worth it. Yeah, no, I totally agree. Yeah.
Faith (18:30)
Mm -mm. Mm -mm. No.
Samantha   (18:33)
so I've, I'm in a really good position now. Now I'm just like focusing on building my savings up and doing a lot of that. Yeah.
Faith (18:41)
Mm -hmm.
Taylor (18:44)
That's amazing, Sam. You have your federal student loans. Last thing I want to talk about before we get off is money management checking account kind of like change that you did. You know, the two account thing. want to talk about that a little bit. You know I'm talking about?
Faith (18:45)
That's so amazing.
Samantha   (19:04)
You mean like the envelope spending like we were talking about? Yeah, that helped me a lot. For a while, I was giving myself like $600 a month and like that was what I could spend for the month and that was it. But I kept spending all of it and I don't even know on what I was spending it on. Yeah, yeah.
Taylor (19:06)
Mm -hmm.
Like your monthly allowance or whatever. Okay. So you were doing, so Sam had two checking accounts. One was for bills. One was for just whatever you wanted. Did it include like groceries and okay.
Samantha   (19:34)
I was doing that.
Mm -hmm. No. It didn't include groceries. That was like money for gas, money to go out and eat. This was also during the time where I think I was... really don't know where it went. Couldn't tell you. Couldn't tell you. If I sat down and went through it again, it would make a lot of sense. And like highlighting all of that stuff I was spending on. But what helped me a lot was opening up that
Taylor (19:55)
Yeah, that happens.
Faith (19:56)
You
Yeah.
Samantha   (20:09)
interest savings account. So opening that up was really helpful. then I would just, now what I do that's been super helpful, and I think you gave me this advice, Taylor, was I have my one account now, because having two accounts was getting a lot for me. Because if I ever needed to, because I tried to keep them separate. So like I have a SoFi banking account because it's free and they have a 4 .7 %
Taylor (20:10)
Mm -hmm.
Mm -hmm.
Samantha   (20:38)
savings account interest rate. then I had a credit union and so my credit union first, or whatever, that was my spending account. But if I overspent and I tried to transfer money over to it, I thought keeping things separate would help me out, but it ultimately didn't. And so now I just use my SoFi account.
Taylor (20:45)
Mm -hmm.
Yeah.
Samantha   (21:03)
It seems like it's better for me to not juggle a lot of different things. And now the advice that I think you gave me was just automatic, you know, through your job, you can, through our job, you can go in and put a percentage of how much you want your paycheck to go into a different account. And so now I have it to where it's set up where like 10 % of my paycheck automatically comes out and goes straight into my savings account.
Taylor (21:05)
Good. Yeah.
Faith (21:32)
That's great. That's great. Yeah. Mm -hmm. Mm -hmm. That's the way to do it. That's great.
Taylor (21:32)
Wow, yeah.
Samantha   (21:33)
And now I've just like gotten accustomed to how much I make and that's it. Yeah. Yeah. I'm super thankful for it. I mean, I'm super fresh on tackling all of this. So I hope that I can have a lot more money in my savings account, but I have about $2 ,100 in my savings account now, which is a big deal for me.
Taylor (21:38)
That's amazing. I love that. I love that.
Okay, that is a big deal for lots of people. So hats off to you, Sam. Great conversation. Faith, did you want to say something?
Faith (21:57)
That's great.
That is a big deal. Mm -hmm. Mm -hmm.
Samantha   (22:05)
Thanks.
Faith (22:08)
Yes.
Well, I'm just, I'm really impressed by your vulnerability and your willingness to just like go through the numbers, tell us your story, talk about how much you made and what kind of debt situation you're in. And I think the vulnerability is really, really impressive. And I just am really grateful that you're willing to share that because I think a lot of people, have to be able to overcome or kind of push through these feelings of shame to get there. And I think, you know, when we talk about our money, it's almost like we're unveiling like these
Samantha   (22:13)
Thank you.
Taylor (22:15)
Yeah. Yeah.
Faith (22:39)
These are the things, this is what I do. It's like our, but yeah, and it's hard. It's hard and it feels like you almost have to get through that before you can actually say, now I can make a plan to actually deal with debt and all of that. So I just appreciate your willingness to talk about that. It's great.
Taylor (22:39)
Yeah, it's like our baggage, know? Mm -hmm. Stressful.
Samantha   (22:42)
Hey
Taylor (22:53)
Mm -hmm.
Yeah, absolutely, Sam. This is the community and the space that we're trying to cultivate, know, just like this honesty and vulnerability of other social workers talking about our money because this is not conversation that we are accustomed to having in grad school and with other social workers. So definitely you coming on. I that many people will take lots of gems.
Samantha   (23:00)
Thank you.
Faith (23:05)
Create.
Samantha   (23:26)
thank you.
Faith (23:25)
Yes. Yeah.
Taylor (23:25)
Lots of gems in this call for sure.
Faith (23:28)
let's do a money moment. Okay. What, what is
Taylor (23:29)
Okay, okay, let's see, money moment. I have a, okay, I have one.
Faith (23:32)
What is the money moment of the week for you? So it could be something that was a financial win, something new you learned, something that was hard about money. What was the money moment this week for you guys?
Taylor (23:47)
So I recently switched my internet and it now costs half the price. It's amazing. used to have Xfinity and have Verizon, like we pay for our phones and they have Verizon internet and for a while I'd been like, I want to try this. it seems like, I don't know. I just, I like Verizon. I don't know why was like, it seems like great internet. they're just telling me what they could offer me, but.
Samantha   (24:08)
Hey
Taylor (24:12)
It was also like I was, we were paying $86 and I could get the same internet for $45. And so switched over and it seems like it's working great. So I'm like, bye Xfinity. know, when I called them to cancel, they're like, is there anything that we can do to, you know, keep you and we can match their price? And I'm like, it's too late. already have the new box. it's plugged in. It's working great.
Faith (24:19)
Do it.
Yes.
Taylor (24:39)
I'm out of here. honestly, it cut out, it didn't cut out a ton, but enough to where it was like, this, this is unacceptable. So thank you Verizon. We love Verizon in this house. Okay.
Faith (24:50)
Mm -hmm. Nice. Go Verizon. Love it. How about you, Sam? What's your money moment?
Samantha   (24:52)
Yeah.
This is funny because my money moment is kind of the opposite. Because I have Verizon as my cell phone provider and I've been looking into getting out of it because it's expensive. My bill is $98 a month and that's paying for like a new phone and a plan and all of this other stuff. And it's just me, I'm the only one paying it. Ross is still on his parents' cell phone plan because
Taylor (25:04)
you
Yes. It's expensive, know.
Faith (25:26)
You
Samantha   (25:28)
You know how they trapped us a few years ago, like the family plan, and if you get out of it, you'll never get it back. So they, they're stuck. but I was looking into, mint mobile this week. I'm too.
Faith (25:31)
yeah, yeah.
Taylor (25:31)
Yeah.
I'm super curious about Mint. I feel like that is one phone company that I would switch to. A couple years ago I had Verizon and I was like, this is too expensive. I am switching and I switched to Sprint and I was like, my service sucks. And I switched back to Verizon and I haven't left yet. But I would love to hear about your Mint experience because I'm curious.
Samantha   (26:05)
Well, the crazy thing about Mint is that I don't know how this works. You know me, I'm suspicious. I'm like, this is a scam because they operate on Verizon cell towers. So am I just paying Verizon but a lesser amount?
Taylor (26:12)
Right, it's so cheap!
I don't get it.
I know, I don't really get it.
Faith (26:22)
Yes, I think so. I think that that's what's happening.
Samantha   (26:26)
Well, they advertise like, we don't have we don't have storefronts. We have way less employees. That's why our prices are so cheap.
Faith (26:34)
So their costs are down, right?
Taylor (26:36)
That's kind of like high yield savings accounts, right? It's like that's why high yield savings account companies are able to offer these high interest because they also don't have like storefronts and stuff like that. Interesting. So what's the like what's the price that you're like looking at? Do you remember how much it would be?
Faith (26:43)
Hmm.
Hmm.
Samantha   (26:50)
Yeah.
I think it was like something out something so cheap, like $15 a month for unlimited.
Taylor (27:01)
That's wild. Yeah, I'm on their website right now. Unlimited customers, $15 a month.
Samantha   (27:06)
Yeah. Shout out to Mint Mobile. You know, sponsor this podcast.
Faith (27:09)
Mint Mobile, if you wanna.
Taylor (27:12)
I know maybe someday I can be like an affiliate for them. think that's the thing. We'll see. Yeah, definitely let us know your experience report back.
Faith (27:24)
Yes.
Samantha   (27:24)
Yeah, I have to pay off my cell phone. That's another trap that happens. So I have to do that first before I switch over. But I think I'm going to.
Taylor (27:27)
huh. Okay. Okay. Okay, Faith, you're next.
Faith (27:28)
-huh, -huh.
Okay, I I buy money moment actually didn't happen this week, but happened a while ago Taylor you know this one already which is I Have no shame about shopping at Kohl's so I know that's kind of like the old lady store But like let me tell you I am a millennial and I love my skinny jeans and all these gen Z's are wearing these wide -legged Pants that are like grunge
Taylor (27:46)
It is not.
Faith (27:58)
look that I did in the 90s when I was a kid. But listen, I can't get rid of my skinny jeans, but I also want to kind of look trendy, you know? Who doesn't? But I don't want to have to redo my whole wardrobe. So I went to Kohl's, and I went in the teenage section, and I went into the clearance section, and I got two pairs of wide -legged, you know, like cute jeans for $6 total. So each pair of jeans were three bucks. I know. Go to Kohl's.
Samantha   (27:59)
Yes.
Taylor (28:01)
It's back.
That's wild. Like I know Kohl's has like good deals, but $6 for two pairs of pants.
Samantha   (28:24)
my god.
Faith (28:28)
I mean, I bought it like at the beginning of summer. they were trying or like that off season time, you know what I mean? When they're just putting all their new summer stuff out and it's like, but shorts and all this kind of stuff. And I went to, they're not wanting to sell jeans necessarily, right? That's like in the fall or winter. And I went to their clearance and I got really cute jeans and I've gotten compliments on them. And I'm like, this cost me three bucks. So go to Kohl's y 'all. Go to Kohl's.
Taylor (28:52)
That is seriously amazing. I haven't been to Kohl's in a while, but I do want a couple new pieces, so maybe I'll check it out.
Faith (28:58)
I like... I like they're like Lauren Conrad for like yeah like you know business cash. I know I'm 100 % a millennial. yeah but her clothes are cute and they're semi -affordable so yes. Anyways that's my money moment. Shop at Kohl's.
Samantha   (29:04)
yeah.
Talk about being a millennial. You had to bring up Laguna Beach. Yeah.
Taylor (29:08)
my god, so funny. That's hilarious.
Love it. There's our money moments. Thanks for tuning in and thanks Sam for being with us and we'll talk to you guys
Faith (29:26)
Yes.