AJ Holiday 2.0 (Co-host) (2:36)

Welcome to We Talk Back podcast, a production of iHeartRadio and the Black Effect Network.

Tammy (Co-host) (2:45)

We're just too unapologetically black women with an opinion. Who talks back?

AJ Holiday 2.0 (Co-host) (2:52)

What's up, y'?

Tammy (Co-host) (2:53)

All?

AJ Holiday 2.0 (Co-host) (2:53)

Welcome back to a new episode of We Talk Back. And this week, we are talking about the American dream. Are we putting it on layway nowadays? Like, is it still even a real thing? What is the current cost of the American dream?

Jackie Woodyear (3:08)

Right.

AJ Holiday 2.0 (Co-host) (3:09)

Okay, so today we have a very lovely guest. She is the best realtor in North Carolina. Where else you licensed at? South Carolina, North Carolina and South Carolina. Ms. Jackie Woodyear. Okay. Slash Goodyear.

Jackie Woodyear (3:23)

Okay.

AJ Holiday 2.0 (Co-host) (3:24)

We talk back. Yes.

Tammy (Co-host) (3:25)

The best year.

AJ Holiday 2.0 (Co-host) (3:26)

How you doing, Jackie?

Jackie Woodyear (3:27)

I'm doing great. I'm so happy to be here. But, yeah, you know, my girl Tammy asked me to be here, so I am happy to show up for you, girl.

Tammy (Co-host) (3:35)

It's been a long time because I asked you how many months ago this was?

Jackie Woodyear (3:38)

Like, it's been. We've gone through injuries and all kind

Tammy (Co-host) (3:42)

of stuff back and forth from LA and injuries and.

Jackie Woodyear (3:45)

Yeah. So it's been a long time coming. But I'm happy to.

Tammy (Co-host) (3:47)

I feel like the first time I asked you to come on out, did I break my foot?

Jackie Woodyear (3:50)

Was it the first? Yeah.

Tammy (Co-host) (3:51)

Yes.

AJ Holiday 2.0 (Co-host) (3:52)

Shame.

Tammy (Co-host) (3:53)

Yes.

Jackie Woodyear (3:53)

And.

Tammy (Co-host) (3:54)

And then I circle back again a

Jackie Woodyear (3:56)

few months later, and then something else happened.

Tammy (Co-host) (3:58)

I got sick.

Jackie Woodyear (3:59)

You got sick? Yeah.

AJ Holiday 2.0 (Co-host) (4:00)

She lie, though. It's real.

Tammy (Co-host) (4:01)

Yeah.

Jackie Woodyear (4:02)

Happy. No, no, no. I believe her. I saw the boot. I saw the boots, ladies and gentlemen. I saw the boot. I know. I saw the limp.

Tammy (Co-host) (4:12)

So you're here and we're grateful to have you on, and we're going to talk all things houses and real est Black women.

Jackie Woodyear (4:18)

Yes. As one of my favorite subjects is houses, of course. But most importantly, black women.

Tammy (Co-host) (4:24)

So let's first start with how you got into real estate.

Jackie Woodyear (4:27)

Yeah, so I started back in 2018. I was flipping homes, so I was kind of doing my own investment. Real estate investment. I bought my own middleman deals. Like very contract deals. Very small. No, just for myself. You know what I mean? Like, really, really small projects. So I'm from the woods, you know, and out there you can. You used to be able to find really, really, you know, deals that you can put a little bit of money into and flip Them and make some money back. This was 2018 before, you know, Covid and everything. And I bought my own home then too, and bought and sold a couple of properties. And then I decided, you know what, I want to get out of corporate America and get into my entrepreneurship journey. So I think it was 2022 or 2023. I went and got my license and I've been working as a realtor ever since. Is it.

AJ Holiday 2.0 (Co-host) (5:18)

How's the market though?

Tammy (Co-host) (5:19)

Is it.

AJ Holiday 2.0 (Co-host) (5:19)

Is it good? Is it booming in Charlotte?

Jackie Woodyear (5:21)

I mean, yeah, so the market is what it is, right? If you can, then you can. If you can't, then you can't. And that's never really been any different. You know, I think like, we got this false sense of like what, what real estate could be during COVID when we had those crazy low interest rates and people were, you know, rushing to the market because, you know, we had to stimulate the economy and the government realized that. So that's when, you know, people were going overly buying houses and overly paying, like way more than than normal for homes. So it kind of drove up the market at that point and there were lots of participation. But the market is, to me, as it always has been. I mean, you see a little bit of fluctuation right now because of the interest rates and people have, you know, some hesitancy about it and what they feel like they can. But I feel good about the market. I have plenty of clients and I haven't seen things slow down really at all.

AJ Holiday 2.0 (Co-host) (6:20)

You don't think, like the big corporations played a big part in running up the cost of the homes like Zillow because they got into the retail home buying. So now somebody who has a family with kids, they can't even purchase a single family home anymore.

Jackie Woodyear (6:35)

Absolutely. I mean, over that Covid period, they're playing Monopoly.

Tammy (Co-host) (6:40)

That's what it feels like.

AJ Holiday 2.0 (Co-host) (6:41)

Exactly.

Jackie Woodyear (6:41)

What's going on? So corporations. There's a one corporation in Charlotte owns 20,000. Yeah.

AJ Holiday 2.0 (Co-host) (6:46)

That's fucking crazy. So now they are dropped. They. You want to sell your home, right?

Jackie Woodyear (6:50)

Yeah.

AJ Holiday 2.0 (Co-host) (6:51)

This is how people who have been living in their houses for, I don't know, 15, 20, 20 years can sell it. Not even that long. They were giving people like 10, $20,000 over asking price.

Jackie Woodyear (7:04)

Yeah, I mean, that was all Covid, like whether you were a corporate buyer or if you were just like shopping for a home, like people were so competitive just because those rates were lower, they could afford to be more competitive. But yeah, that corporate housing, now they're building whole town home Communities and they're all for rent. Nothing's for sale.

AJ Holiday 2.0 (Co-host) (7:24)

So I think townhomes should be for rent. Because I could never get over the idea of like purchasing a town home and everybody paying taxes on their portion unit on this same plot of land. That should never.

Jackie Woodyear (7:37)

That's a scam. That is extortion. I have a townhouse girl.

AJ Holiday 2.0 (Co-host) (7:43)

But you paying taxes and your neighbor paying taxes on the same plot of land, you're like, no, it's not the

Jackie Woodyear (7:48)

same plot of land. Own whatever land your home is on your land.

AJ Holiday 2.0 (Co-host) (7:53)

You're all connected.

Jackie Woodyear (7:54)

You're all, you are connected. But that little piece. My slice is my slice.

AJ Holiday 2.0 (Co-host) (8:00)

Front yard.

Jackie Woodyear (8:01)

Yeah, the front, the back of the house.

AJ Holiday 2.0 (Co-host) (8:04)

The same amount of taxes that little somebody would pay for a house.

Jackie Woodyear (8:08)

Well, taxes are calculated based on your acreage. So you know, if you're a portion of that land is only what you're paying for.

Tammy (Co-host) (8:17)

So you're not going to pay the same price. You're probably paying the same price, but it's a fraction. If the whole space was yours, is what you're saying.

AJ Holiday 2.0 (Co-host) (8:24)

What's your tax?

Jackie Woodyear (8:24)

Yeah, yeah.

AJ Holiday 2.0 (Co-host) (8:25)

What's your taxes?

Jackie Woodyear (8:26)

So I, I think because I haven't wrapped up into my mortgage, so I think they're around 2300 a year.

AJ Holiday 2.0 (Co-host) (8:34)

So some people pay 2300 on their home, on a house with land. That's what I'm saying.

Jackie Woodyear (8:38)

Yeah. But you know, it just, it depends the value of the home. The value of the home goes into it and then the amount of land you have. So all that contributes. But you know, for not having to. It is. Right. I mean, that's exactly what it is. You know what I mean? Like everything is, everything is a finesse.

Tammy (Co-host) (8:57)

So what would you say to people who are, who feel like buying and renting is out of reach right now? Like because in Charlotte just to rent a decent home is $2,000. You're not gonna get much for under $2,000.

Jackie Woodyear (9:10)

Yeah, for sure.

Tammy (Co-host) (9:12)

What would you say to this?

Jackie Woodyear (9:13)

I would say go to work, go to work, go to work. You can't even sell drugs no more. Do drugs even sell anymore?

Tammy (Co-host) (9:22)

Oh, drugs definitely sell.

AJ Holiday 2.0 (Co-host) (9:23)

I'm like, you can't sell.

Tammy (Co-host) (9:24)

I just got back from la. Drug sell.

Jackie Woodyear (9:28)

Yeah, but okay, but they have commercialized selling drugs. Yeah, right, right. At the end of the day, if you selling drugs, you know what I mean? Have a kind of other way of making, maybe not a non tactical way of making money, you know what I mean? Just file some taxes, you know? Right. Get in the game. No, but I would say do whatever you can afford. You know, we're in unprecedented times where you kind of have to. You. We're all getting at how we live, and so what's important is just making sure that whatever it is that you're doing, you can afford that.

AJ Holiday 2.0 (Co-host) (10:07)

Right.

Jackie Woodyear (10:08)

So if you can't live in the high rise, you can't live in the high rise, you can't live in Uptown, you can't live in Uptown. You have to do whatever it is that you have to do to secure your future financially.

AJ Holiday 2.0 (Co-host) (10:18)

I just hate the fact that, okay, so my rent is Damn near like, $2,000. Right. But some people may not be able to get financed for a mortgage paying that same amount. But you can get approved for an apartment. Right. That's the bullshit. So there's almost like they want you in a rental situation forever.

Jackie Woodyear (10:37)

Forever.

AJ Holiday 2.0 (Co-host) (10:38)

They really don't want people owning anything in America anymore.

Jackie Woodyear (10:41)

Yeah, that's the goal.

State Farm Advertiser (10:42)

Yeah.

Jackie Woodyear (10:43)

You know, the older that we get and the more that we have, I think it's only. It's like, you know, normal to want more. It's normal to be more comfortable or have a more beautiful home or have a nicer car or have a. And you're always wanting to upgrade because that also signals outside of you that, you know, life is good or. Or I'm a successful individual. I'm being successful in life. And what's important is if you have goals of doing more, becoming, you know, having a business or owning a home or whatever your goals are, they're going to cost money at the end of the day. So it's important to live within your means enough to be able to afford those dreams or to chase those dreams. So, yeah, you might have to live. You might, you know, supplement that income, you know, whatever. Whatever that means, or just, you know, be a little. Be a little conservative until you can reach those goals.

Tammy (Co-host) (11:50)

Do you believe, like, the American dream is still real, though?

Jackie Woodyear (11:54)

Totally. Yeah. Yeah, I do. I think for most Americans. No, of course not. Is. The American dream is not for most Americans.

Tammy (Co-host) (12:02)

Yeah.

Jackie Woodyear (12:02)

The American dream is just a dream at this point. Yeah. I mean.

Tammy (Co-host) (12:08)

All right, what do you.

AJ Holiday 2.0 (Co-host) (12:09)

Like the American Dream?

Jackie Woodyear (12:10)

That's.

AJ Holiday 2.0 (Co-host) (12:10)

That was the whole point of this episode.

Jackie Woodyear (12:11)

Right.

AJ Holiday 2.0 (Co-host) (12:12)

Because I think the American dream for most Americans has always been having a house, a car, a job and a family. Right, Right. And the house is, like the epitome of the whole thing. Right, Right. So most people now can't afford a house. Like our parents. Most of them could have. Afford. Could have Afforded a house back then, I think my mom house was like $50,000. You know, she bought her house in 84 when I was born. Still lives in the same house. Paid off now, you know, but. And now her house is worth like $500,000. Okay.

Tammy (Co-host) (12:45)

But it's still 40 years later.

Jackie Woodyear (12:47)

Like. Yeah, but. But at the end of the day, like, all of that is. Is equity. I mean, your mom could do anything she wanted to. She can get a loan against her home for much less than she would like a traditional loan to go and do whatever she wanted to do. Or she could sell her house and have that in cash.

AJ Holiday 2.0 (Co-host) (13:04)

This came up because I was talking about my stepdaddy, who I love so much. Has a think about this. Now imagine you had a family member. Hey, daddy. A vacant house next door to your mom's house that has been vacant for 15, seven, almost 17 years. It's essentially a storage unit at this point. And I've asked him to buy it. I've asked him to let me live in it and renovate it. No black. And I started talking about black people and how they just look at. They don't even consider generational wealth. The older generation. Right. This is something new.

Tammy (Co-host) (13:41)

Yeah.

AJ Holiday 2.0 (Co-host) (13:42)

I won't say that none of them, because you do have some affluent black families. Right.

Nissan Advertiser (13:45)

Who.

Jackie Woodyear (13:46)

Who.

AJ Holiday 2.0 (Co-host) (13:46)

Whose parents are our age and set their kids up. But for the most part, it's almost like I had to struggle.

Tammy (Co-host) (13:52)

So.

AJ Holiday 2.0 (Co-host) (13:52)

So do you.

Jackie Woodyear (13:53)

Yeah. I think it's a general lack of understanding of how you can make your money work for you.

Tammy (Co-host) (14:02)

Yes.

Jackie Woodyear (14:02)

Right. Because it is amazing that your mother in 84 was able to buy a home. Buy a home on her own.

AJ Holiday 2.0 (Co-host) (14:09)

No, with my dad.

Jackie Woodyear (14:10)

With your dad.

AJ Holiday 2.0 (Co-host) (14:10)

Okay.

Jackie Woodyear (14:11)

To own a home, you know, and then to have that same home and see the. The appreciation of that home realized is incredible. The lack of information, understanding and information is not knowing what you can do with that.

AJ Holiday 2.0 (Co-host) (14:25)

Right. To using your equity to build more wealth.

Jackie Woodyear (14:28)

And that is the differentiation between black people and everybody else. And everyone else.

Tammy (Co-host) (14:35)

Right.

Jackie Woodyear (14:35)

We are like, let our go buy a house. Be the first person in my family to own a home or own a home for 30 years and live in it forever. This is my forever home. I want this to be it. And that's all whatever. But people send their. People pay for their kids college off of homeownership and real estate deals and things like that. And it's so over the last two years, let's say, you know, you bought a home in. In Covet. Right. Since Cove's been two or three years. Some people's homes have appreciated.

AJ Holiday 2.0 (Co-host) (15:07)

What's the average? $200,000 right now.

Jackie Woodyear (15:10)

So homes are selling right now on average in Charlotte, I think it's probably around 500 if I'm not mistaken.

AJ Holiday 2.0 (Co-host) (15:16)

I'm saying like the person who bought the home during COVID what is the average equity that they accumulate people have right now? Who bought a home during COVID I don't know.

Jackie Woodyear (15:25)

But I'll tell you mine I bought when I moved to Charlotte in 2021. I bought my house for 386, 387, something like that. And now it's worth 500 and it's, it's flat, flat over the last like year and a half or so. But yeah, it's been around 500 for, for a while now. But like consistently growing in, in equity over those years. I mean like I could sell my house right now and have $100,000.

Tammy (Co-host) (15:58)

What advice would you give to a first time?

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You call it an early present for next year.

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Tammy (Co-host) (19:03)

Buyer, you know, just scared, ready to get out there and buy a home. But they don't know what to do. Exactly.

Jackie Woodyear (19:08)

What would you say to them? I mean, get information, that's all you have to do. Figure out like what it is that you have to do and then like do that, you know, and if, and if, when you go to, let's say you go to your bank, your credit union, or you talk to a realtor or a lender, somebody who can guide you professionally with their, you know, professional knowledge. If, if you're not ready, if they say, okay, you have to work on this, you have to work on that, then like at least you have a starting point and you have, and you can put a goal in, in place, right? It's different when you're like, oh, buying house is so hard, I don't know what to do. So go talk to a lender. And then you just never figure it out, you never think about it again or you just think it's this huge task. My, the client that I just closed last month, she was, she, I met her through a good friend of mine and she was like, I want to move to Charlotte. I Want to move closer to have help with my son. And I was looking at places to rent. I spent all day looking at places to rent. And I was like, well girl, you know, if you want to move here. And she told me her budget and I said, that's a significant budget. It was about. She wanted to spend $2,000. And I said, that's a pretty on mortgage. Yeah, I said this, that's a good budget. It's a decent budget that we're working with. Let's see what you can do.

AJ Holiday 2.0 (Co-host) (20:27)

Because that's how much she's probably paying in rent.

Jackie Woodyear (20:28)

That's exactly, exactly. I was like, you're gonna pay 1700, you know, at least, you know, room for you, room for two bedroom, you know, two bath. It's gonna be 1700 ish.

Tammy (Co-host) (20:38)

Y'.

Jackie Woodyear (20:38)

All.

Tammy (Co-host) (20:38)

I just looked at this one bedroom here in Charlotte townhome. A one bedroom townhome, 2850amonth.

AJ Holiday 2.0 (Co-host) (20:46)

Nasty. I looked at a tastes work. A old ass multi family home in Charleston. $3,800. Top floor, two bedroom, two bathroom. Built in the 1940s.

Jackie Woodyear (21:01)

Updated.

Tammy (Co-host) (21:01)

What was the location?

AJ Holiday 2.0 (Co-host) (21:02)

There's a pool in the back.

Jackie Woodyear (21:03)

Where is it?

Tammy (Co-host) (21:04)

It must be right.

AJ Holiday 2.0 (Co-host) (21:05)

It's like almost going into downtown.

Tammy (Co-host) (21:07)

That's what I was about to say.

AJ Holiday 2.0 (Co-host) (21:07)

It had to be $3,800.

Jackie Woodyear (21:11)

$3,800 and then paying that much rent. How could you possibly.

AJ Holiday 2.0 (Co-host) (21:16)

Where are these people?

Jackie Woodyear (21:16)

I could just save somebody to do anything.

AJ Holiday 2.0 (Co-host) (21:18)

So the career thing is also a part of, of the American dream. Right. Having a career working someplace for 30, 30 years or 40 years or whatever. And retiring. Like people cannot even lock in jobs like that anymore.

Tammy (Co-host) (21:30)

But you know what? I think New Yorkers are gonna listen

Jackie Woodyear (21:32)

to this and be like, fuck y'.

Tammy (Co-host) (21:33)

All.

Jackie Woodyear (21:34)

$2800.

AJ Holiday 2.0 (Co-host) (21:35)

I take it, I take it right

Jackie Woodyear (21:37)

now that's a problem. For real. Because people are moving from up north. Yeah. Selling their 700 square foot and coming down here buying that baby mansion for cash.

AJ Holiday 2.0 (Co-host) (21:48)

And now they're driving out the cost of living right now. Yankee y' all are ruining y' all democratic states.

Jackie Woodyear (21:59)

We, you know, North Carolina, South Carolina. We embarrass ourselves.

AJ Holiday 2.0 (Co-host) (22:02)

You know, it's nice down here though.

Jackie Woodyear (22:04)

But yeah, it's cheaper.

AJ Holiday 2.0 (Co-host) (22:07)

Yeah, it's nice. The street's clean and shit.

Jackie Woodyear (22:09)

Yeah. Like New York. Like Mad Max.

AJ Holiday 2.0 (Co-host) (22:14)

Like why the is all these cars on the side of the road, like abandoned? It's weird.

Jackie Woodyear (22:18)

Yeah, it is.

Tammy (Co-host) (22:20)

I visit what is something that you wish buyers asked, but they don't.

Jackie Woodyear (22:25)

Oh, so I have buyers Always come to me and they're like, I want to buy a house in the next year. And I'm like, okay, great. Thank you for, you know, trusting me with your journey. And then it's like they get cold feet immediately. And I'm like, I didn't even ask you. I didn't ask you to come to me. But people. People jump the gun a lot. They want to. They say, I know I can afford XYZ house, or this is the house that I. That I know that I want in this price range or in this neighborhood. They don't even. They haven't gone to the bank. They don't know anything about what they can afford. They don't know anything about their.

AJ Holiday 2.0 (Co-host) (23:04)

She, like, could you please come with a pre approval letter, please?

Jackie Woodyear (23:07)

It's like, I'm like, you would be wasting all of our times collectively because, you know, let's say you fall in love with this house, then you go and get pre approved and you're like, ooh, actually I can only do this. Or, oh, my budget can be 300,000 times more than this. So it's just like, it could be a huge waste of your time and everybody else's and emotions get involved. You know what I mean? So that is like so often so regular that that happens. So I think that's like the most kind of unprepared thing that buyers try to do.

Tammy (Co-host) (23:39)

So let me tell y', all, one of my clients, her and her husband were buying a big, beautiful home. They were about to close on the house, and he surprised her with a brand new car.

Jackie Woodyear (23:49)

Oh. Oh.

Tammy (Co-host) (23:51)

And it ruined the sale.

Jackie Woodyear (23:53)

Damn it. Ruined the sale. They were not able to get one at the table.

Tammy (Co-host) (23:56)

Yes. And I didn't know that was possible. So can you speak to our listeners about what that is?

Jackie Woodyear (24:00)

Exactly. That's exactly what it is. It's debt to income ratio. So your debts or like, typically like your. Your bills, whether it's your, like, living expenses and your cars and just anything that you have. Student loans. Student loans, all of those. They control.

Tammy (Co-host) (24:16)

What about hospital debt?

Jackie Woodyear (24:18)

Do they can it can.

AJ Holiday 2.0 (Co-host) (24:20)

I thought they stopped that kind of. That didn't show up on your. Your credit report anymore.

Tammy (Co-host) (24:24)

Swallowing hard on that one got a lot of.

Jackie Woodyear (24:27)

Exactly.

AJ Holiday 2.0 (Co-host) (24:28)

So it just.

Jackie Woodyear (24:28)

It. They did make some changes, but the specifics on that. You would talk to a lender about that because, you know, I don't know the very, very specifics about what. How things. Different things can affect it. Usually, like when things go, like, bad into your credit, if they're affecting your credit, then they're affecting your ability to purchase. So it just depends, I would say. But yeah, absolutely. If you go and you go and buy furniture, go open you an Ashley

Tammy (Co-host) (24:57)

car, don't buy shit, basically do get

Jackie Woodyear (24:59)

something to eat, a damn thing. You go and get that car and you leave the. You leave the closing table and you go to the dealership, right? I'm not a moment, Not a moment.

AJ Holiday 2.0 (Co-host) (25:09)

I think I'll be ready to buy a house the end. The end of this year into next year. But anytime I'm in TJ Maxx, which is every Saturday or Sunday, and they ask me to get that T.J. maxx, girl, no, girl, I am trying to buy a house.

Jackie Woodyear (25:21)

Girl.

AJ Holiday 2.0 (Co-host) (25:21)

I cannot run my credit. That's always my lie for the last, I don't know how many years, 20 years, no, I want to buy a house, girl, I can't run my credit. Like, no, I don't want no.

Jackie Woodyear (25:32)

Damn.

AJ Holiday 2.0 (Co-host) (25:32)

I cannot. I would never get a house if I had a TJ Maxx credit card, girl.

Jackie Woodyear (25:36)

But okay, right. So that's good. You gotta know your strengths and you know your weaknesses. Okay? That, that is, you know, the opposite of delusion.

AJ Holiday 2.0 (Co-host) (25:46)

Self awareness.

Jackie Woodyear (25:47)

Exactly, exactly. Are.

Tammy (Co-host) (25:50)

Are there any more mistakes that people make that you would suggest against.

Jackie Woodyear (25:54)

I would say a huge mistake is not moving immediately or not knowing, not finding out what you can do immediately. So for those of us who are. I'm gonna hold your hand when I say this. Waiting for a year. I'm gonna. I'm gonna buy in a year. I'm gonna. I'm gonna be ready in a year and a half. The longer we wait. Just like your mom's home that she bought for 50,084 is now worth 500,000. 550. You know, with time, that house has not changed. But guess what? Everything's more expensive. No matter every year, everything in life is more expensive.

AJ Holiday 2.0 (Co-host) (26:34)

You don't think we had a cap right now with the price of houses? Like, God, how much higher can y' all go?

Jackie Woodyear (26:39)

Yeah, like if. If you think about it, like from a general aspect, right? With. As far as appreciation is concerned, because nothing's getting less expensive. You know what I mean? Like, things go ebb and flow, right? It's on a circular. Sometimes the price of gas is this much, sometimes that much. Sometimes it's more, sometimes it's less. But if you look at the trends over time, gas costs more today than it did 20 years ago, than it did 20 years before that. So if we keep saying I'm going to do this in five. And you know, I want to. This is what I want to be done in a year. I want to actually be doing it in. In five years or in 10 years. I want to be ready. At the end of the day, no matter where you are in the future, it's going to cost more than it did today than it did five years ago. So they always.

Tammy (Co-host) (27:30)

Unless it's like a housing crash, like 2009. Because when.

AJ Holiday 2.0 (Co-host) (27:34)

What happened in 2008?

Jackie Woodyear (27:36)

Yeah, 2008 was 9, 11 and all that.

AJ Holiday 2.0 (Co-host) (27:39)

Oh, wait, that's after 9 11.

Jackie Woodyear (27:42)

I mean, sorry, after.

Tammy (Co-host) (27:43)

Well, after.

TurboTax/SpinQuest Advertiser (27:44)

Right.

AJ Holiday 2.0 (Co-host) (27:44)

The housing market is after. But it all stemmed from. From 9 11, essentially.

Jackie Woodyear (27:49)

Yeah. So in 2008, the housing crash was basically. Because back then you could get. Anybody could get a mortgage, right? They were so people couldn't afford houses. They were giving out mortgages. Like how. Even easier than they would approve you for an apartment right now. Your TJ card, like, you would go in, you'd be like, okay, cool. They were giving you.

AJ Holiday 2.0 (Co-host) (28:09)

I actually was looking for a house. No, maybe like 2009, 10.

Jackie Woodyear (28:13)

Yeah, yeah, yeah. So they were. They were giving. I mean, you can show your pay stubs, you can show no paperwork and they would give.

Tammy (Co-host) (28:18)

What's the potential of that happening again?

Jackie Woodyear (28:21)

I never.

AJ Holiday 2.0 (Co-host) (28:21)

We missed it.

Jackie Woodyear (28:23)

We missed the scam. Yes, that's.

AJ Holiday 2.0 (Co-host) (28:25)

Once I'm in some like, listen, I'm at least pay my mortgage and rent. Everything else will get figured the out you Verizon, y' all always last something

Jackie Woodyear (28:39)

just something you gotta give for no reason.

AJ Holiday 2.0 (Co-host) (28:42)

Verizon always lasts because I can always pay them.

Tammy (Co-host) (28:45)

I just don't want to.

AJ Holiday 2.0 (Co-host) (28:46)

Why the is the bill so high?

Tammy (Co-host) (28:48)

Listen, I don't pay nobody until right when it's time. Like, all right. When rent is due on the first autograph. But the grace who adults. The grace is on the 5th.

Jackie Woodyear (28:58)

Oh, the auto pay.

Tammy (Co-host) (28:58)

I pay a lot of stuff on auto pay, but my rent, I just don't like to pay. It's not that. It's just that I will. I'm not responsible enough to remember all of these. So just take it. That's how I feel about it.

AJ Holiday 2.0 (Co-host) (29:12)

I just feel like no, because I want to be able to give y' all when I feel like even I'mma pay the whole thing. But I'm going to remember.

Tammy (Co-host) (29:19)

I'm not going to remember. I'm going to forget.

Jackie Woodyear (29:20)

So just get every last bit of that interest that your bank account will allow before you got to pay.

Tammy (Co-host) (29:26)

But if it's due at. On the 5th. I pay it on the 5th at 11. 59. 59. Like literally the last second I give it.

AJ Holiday 2.0 (Co-host) (29:34)

So I wanted to talk about the hustle tax because. Because like jobs aren't jobbing anymore. Right. Careers aren't careering. So now we have all these. Not entrepreneurs, but all these. What do you call them? The gig jobs. Right. So what is the cost now?

Jackie Woodyear (29:48)

What's.

AJ Holiday 2.0 (Co-host) (29:48)

There's a hustle tax now, right, that you. You pay to. To attain the American dream. So now you're working your regular full time job plus you do an Uber and Instacart. All these different things to get a house is like do.

Jackie Woodyear (30:08)

I mean we live in a capitalist society. Like it. It almost just like it is what it is. You know what I mean?

Tammy (Co-host) (30:15)

What can you do? Yeah.

Jackie Woodyear (30:19)

And that's really like what it is. But fortunately, you know, at least here in Charlotte and I've actually looked into it a little bit in Raleigh too. Charlotte has a lot of programs that assist with home ownership. So if you lit, you live underneath that kind of like median income that for this for at least the Charlotte area is really the. Where I could speak on as far as those programs are concerned. But if you live below that medium income level, then there are programs that you can use and take advantage of for additional down payment assistance. And a lot of these private lenders have programs that allow you to get additional monies to help with getting you into a home. Home buying process. And there are stipulations, of course with each individual program. So you can kind of tackle that as. As it comes up. But if.

AJ Holiday 2.0 (Co-host) (31:13)

Oh, the goal of USDA stuff like living out in a row.

Jackie Woodyear (31:16)

Oh yeah, yeah.

AJ Holiday 2.0 (Co-host) (31:18)

Because I'm not opposed to that because I need me some farmland.

Tammy (Co-host) (31:20)

I want to. That's what I want. I want a farmhouse. Yeah, I'm thinking about a barn dominion on a farm. Yes.

Jackie Woodyear (31:26)

Okay.

Tammy (Co-host) (31:26)

You don't believe it. I know people are like you on

Jackie Woodyear (31:28)

a farm, but what time do you get up in the morning?

AJ Holiday 2.0 (Co-host) (31:30)

It depends, girl. It's hard taking care of chickens this year.

Tammy (Co-host) (31:34)

But who. I didn't say. I didn't say. I want to like do the farm work. There's people for that.

AJ Holiday 2.0 (Co-host) (31:40)

You just want the USDA mortgage loan.

Jackie Woodyear (31:45)

Yeah. So USDA is very similar in that you have certain income requirements, you know, the amount of people in the home requirements, just different things that come up. So you have to be approved for the program. And it is only in certain areas. So usually like if you want, if you want to Live, like, in the middle of Charlotte. There is no USC loan, but it's usda. Excuse me.

Tammy (Co-host) (32:08)

Loan.

Jackie Woodyear (32:09)

But usually in the outskirts and the far enough out in the burbs, you can find you some rural communities, some homes out there that. That are available and.

AJ Holiday 2.0 (Co-host) (32:20)

Is that air condition on?

Jackie Woodyear (32:22)

Yeah, my. My hands are freezing.

Tammy (Co-host) (32:24)

You cold? Did you.

AJ Holiday 2.0 (Co-host) (32:26)

Oh, wait, isn't it controlled by that switch right there?

Tammy (Co-host) (32:29)

No, that's the picture light.

AJ Holiday 2.0 (Co-host) (32:31)

Girl, it is so cold.

Jackie Woodyear (32:32)

Oh, up there.

AJ Holiday 2.0 (Co-host) (32:33)

Will you.

Tammy (Co-host) (32:33)

Will you please press up there and see if we can.

AJ Holiday 2.0 (Co-host) (32:35)

No, the thermostat is behind that curtain.

Jackie Woodyear (32:37)

Sorry.

Tammy (Co-host) (32:38)

That cuts it on and off.

Jackie Woodyear (32:40)

That.

Tammy (Co-host) (32:40)

That's what they used to do in the summertime. Okay, we'll try it.

AJ Holiday 2.0 (Co-host) (32:47)

Sorry, y'.

Jackie Woodyear (32:47)

All.

Tammy (Co-host) (32:49)

We'll cut this out.

Jackie Woodyear (32:49)

It's cold. I'll leave it.

AJ Holiday 2.0 (Co-host) (32:51)

There's that because it's freezing in here.

Jackie Woodyear (32:53)

Yeah. My hand. Oh, look, it just turned off.

Tammy (Co-host) (32:58)

Oh, you turned or something. But was that heat or air coming out?

AJ Holiday 2.0 (Co-host) (33:02)

Those things don't do heat, though. I thought that was just an air condition.

Tammy (Co-host) (33:05)

Nah, it says heat mode.

Jackie Woodyear (33:07)

That's like.

Tammy (Co-host) (33:07)

Put your hand up there and see what's blowing out that cuz.

AJ Holiday 2.0 (Co-host) (33:11)

Because I really feel it.

Tammy (Co-host) (33:13)

76 in here.

Jackie Woodyear (33:15)

It ain't my ass. That thermostat broke my ass. 76. What you feel? Yeah, don't worry, 67. It was.

Tammy (Co-host) (33:23)

It's. It's just not blowing that well, but.

AJ Holiday 2.0 (Co-host) (33:25)

Oh, okay, okay.

Tammy (Co-host) (33:27)

Cut it back.

AJ Holiday 2.0 (Co-host) (33:27)

All right, sorry.

Tammy (Co-host) (33:28)

All we go. Let's.

Jackie Woodyear (33:29)

They need to work on their INS Insulation, right?

AJ Holiday 2.0 (Co-host) (33:32)

It ain't no insulation.

Jackie Woodyear (33:33)

We outside?

AJ Holiday 2.0 (Co-host) (33:35)

Yeah, we outside right now?

Jackie Woodyear (33:37)

Yeah, might as well.

AJ Holiday 2.0 (Co-host) (33:40)

So whose dream is the American dream?

Tammy (Co-host) (33:43)

Whose is it?

AJ Holiday 2.0 (Co-host) (33:45)

Was it ever? Black Americans.

Jackie Woodyear (33:46)

Of course not. You know that, girl. You know that. I mean, they are right now rolling back. They're, you know, kind of untightening rules around the Equal Employment Opportunity Commission. They're making it more legal, you know, to discriminate and to harass. And that is because black women, I don't know, like, if you know, but you know, are one of the most educated.

AJ Holiday 2.0 (Co-host) (34:16)

Yeah, we hold a lot of the

Jackie Woodyear (34:18)

jobs in the United States. We are. We are, as black women, are gaining degrees. Like, you know, Thanos is collecting infinity Stones. You know what I mean? So the more that we achieve and advance, the further the goal.

AJ Holiday 2.0 (Co-host) (34:34)

They change. They change the rules, right?

Jackie Woodyear (34:36)

So this is America always getting changed. So, yeah, we. I mean, if anybody can do it, it's clear that black women can do it. We. We are single. Black women, are. Have a higher. Much higher level of home ownership than our counterparts. And so the goalpost is going to get moved. This is, this is not okay.

AJ Holiday 2.0 (Co-host) (34:57)

Right. So even though they're turning so. So you feel like they're going back. Like they're basically going back to our parents time. Right. But our parents didn't have to have a degree to get a good job.

Jackie Woodyear (35:07)

Yeah.

AJ Holiday 2.0 (Co-host) (35:07)

And get a house and all that stuff. They didn't have to.

Tammy (Co-host) (35:09)

Yeah.

Jackie Woodyear (35:10)

Right. I mean comparatively, the. The amount of money that people were making, you know, versus the things that the. How much things cost were a little more evenly, you know, placed. But now things cost a whole bunch of. And we don't make it for it.

Tammy (Co-host) (35:24)

We ain't making shit. You gotta have three to four streams of income just to survive.

Jackie Woodyear (35:30)

So I think especially with the administration right now, that they are going to do everything that they can do to prevent our advancement as a people, unfortunately. But here in Charlotte, they're doing all kind of gentrification and kicking the original, you know, people who are in these neighborhoods, they're replacing them and moving them out. And you know, that's, that's something that they are doing on purpose. You know, they're something they've been doing for a long, long time.

AJ Holiday 2.0 (Co-host) (36:07)

So you're a black woman who got into real estate. I held a real estate license many moons ago, but I realized you had to have money to do real estate. I was in college at the time.

Jackie Woodyear (36:16)

Very.

AJ Holiday 2.0 (Co-host) (36:16)

I'm like, like somebody wants shutters change on their house. To sell this house, I got to be able to maybe change the colors on it or something like out of my pocket to sell the house. Anything.

Jackie Woodyear (36:26)

No, I mean, if that. If you're that kind of realtor, then absolutely. You know, but it might be a

AJ Holiday 2.0 (Co-host) (36:32)

million dollar house, you know what I'm saying?

Jackie Woodyear (36:34)

So you're absolutely right. It depends on that. It is.

Tammy (Co-host) (36:37)

You need to tell me you've been spending your money changing, fixing the homes.

Jackie Woodyear (36:42)

That.

AJ Holiday 2.0 (Co-host) (36:42)

Or even just having a desk. Even just having a desk in a realtor office. And you're not selling. You still got to pay those desk fees.

Jackie Woodyear (36:48)

Yeah.

Tammy (Co-host) (36:48)

So just there's most imma do is put a bowl of lemons. I heard something about a bowl of lemons.

Jackie Woodyear (36:53)

Make some cookies for the sale.

Tammy (Co-host) (36:56)

Yeah, that's it. I'm not doing no shots.

AJ Holiday 2.0 (Co-host) (37:00)

But I was, I was getting to the point to where you're a black woman who was. Who got into real estate. So is it really that we're being replaced or are we possibly refusing to understand financial literacy? We're just not in the game. A lot of us have forfeited the game because the game is. If the game is gentrification, get in the game. We need to be a part of gentrification and stop feeling like it's something that's happened towards us. Because I'm a. That like new shit. I don't like looking at old rundown houses and. And. And trash. Even if you live in the hood, you don't have to have trash on the streets. We could do a better job of taking care of our neighborhoods.

Jackie Woodyear (37:37)

I agree.

AJ Holiday 2.0 (Co-host) (37:38)

Also.

Jackie Woodyear (37:38)

Yeah, right.

AJ Holiday 2.0 (Co-host) (37:39)

And we lose our grandma house because people don't have financial literacy. You got a whole free house that y' all just got to keep up the taxes on amongst 10 people and you can't do it right. Does that. I feel like we blame too much on outside entities and we don't look in the mirror enough. That's how I feel about.

Jackie Woodyear (37:56)

No, I agree.

Tammy (Co-host) (37:57)

But how can you if you can't pay your rent? How you paying taxes at grandma house?

AJ Holiday 2.0 (Co-host) (38:01)

You know, all type of other things. Sorry. Yeah, we pay all type of other black people. Spend money on it is a priority collectively. Them got that tax money. But they bought weed. They kept buying 10 blunts. I need the weed too.

Tammy (Co-host) (38:16)

It's stressful out here.

AJ Holiday 2.0 (Co-host) (38:17)

We need the weed. You know what I'm saying?

Jackie Woodyear (38:19)

Everybody has wipes. I'm joking. I'm joking.

Tammy (Co-host) (38:21)

I get what you're saying.

Jackie Woodyear (38:23)

We want to be high. Ideally, you choose the ambush. Yeah, right. Ideally you should be able to do both. Right? You should be able to take care of grandma's house and get high if you want to.

Tammy (Co-host) (38:35)

This is America. You should be able to get high whenever you feel like getting high.

Jackie Woodyear (38:39)

In age.

AJ Holiday 2.0 (Co-host) (38:39)

Running is a luxury when you done did some shit all day. When he did shit all day but have sex. Cause he was high.

Jackie Woodyear (38:47)

Not everybody, but have sex.

Tammy (Co-host) (38:48)

But be fruitful and multiply.

AJ Holiday 2.0 (Co-host) (38:52)

Amen.

Jackie Woodyear (38:53)

Somebody.

AJ Holiday 2.0 (Co-host) (38:53)

The bottom line is niggas lack discipline. That is the bottom line.

Jackie Woodyear (38:57)

Me too.

AJ Holiday 2.0 (Co-host) (38:57)

You know what?

Jackie Woodyear (38:58)

Myself included, I think it's okay. Let me tell you what I think it is. First of all, first of all, in these areas that are gentrificied. Gentrify.

Tammy (Co-host) (39:06)

Dang.

AJ Holiday 2.0 (Co-host) (39:06)

Being gentrified.

Jackie Woodyear (39:08)

Gentrified. Thank you. Amen. You know what I love collectively? 40 degrees. But there is a. There is neglect from the government. The cities. They. They neglect the. The. The neighborhoods.

AJ Holiday 2.0 (Co-host) (39:22)

And that's why. That's purposeful. That's where the voting matters. It doesn't really matter when we get up to president and all that. It's your local. These are your neighbors, right? These are people who live in your district. Get on. They ask for sure. When black people get in these positions, they do the same underhanded dirty shit that the white folks. You see what I'm saying? So you still have that element as well.

Jackie Woodyear (39:43)

It is. Yeah, yeah, you're absolutely right. It is a level of accountability that we have to hold. You know, our. Our elected officials to that. We just don't. But we have to get better at that. But one word that I heard in 2025 that I love is anti intellectualism.

AJ Holiday 2.0 (Co-host) (40:01)

Black people.

Jackie Woodyear (40:02)

Yes, intellectualism. And I love that. And I love that word. I don't know if that's always been a word or if it just came out to the front forefront on the tiktoks of it all, but I think that has a lot to do with it because.

Tammy (Co-host) (40:15)

Explain what intellectualism.

Jackie Woodyear (40:18)

So to me, okay, so anti intellectualism. My understanding of it is that you feel like because you have watched some YouTube videos and spent some time and you. And maybe you've, you know, gotten into reading about a certain subject, that you are now an expert and that people who have spent their lives researching and understanding and doing all these things, spending their lives and careers around this subject, you know, just as much as them. Because you've been watching YouTube videos and thinking about it.

AJ Holiday 2.0 (Co-host) (40:55)

I thought it was more like when you said anti intellectualism. I was thinking more like black people as a collective don't like smart. That's what I thought. Black people being anti.

Tammy (Co-host) (41:06)

Because we just got finished saying that black women are the most successful and

AJ Holiday 2.0 (Co-host) (41:10)

the most black men say about black women who got degrees. It's like, we don't give a. About your degree. That's being anti intellectual. That's what I thought you meant by it.

Jackie Woodyear (41:20)

No, I mean like. I mean like a general overconfidence in your understanding of a certain subject.

AJ Holiday 2.0 (Co-host) (41:28)

Okay, got it.

Jackie Woodyear (41:29)

Yeah. So like, that's like me being like anti the intellectual.

AJ Holiday 2.0 (Co-host) (41:33)

Okay?

Jackie Woodyear (41:34)

So that's like me saying I could do hair. Like, right? I wash my own hair and I've been doing it for 20 years. You know, I understand why you need to go to school and get a license to do it. Because I do my own hair all the time. You know, who needs a. Who needs a stylistic chemicals, right? Who needs to understand the science of hair?

AJ Holiday 2.0 (Co-host) (41:55)

That's.

Jackie Woodyear (41:55)

That's stupid. You know, that's it. So to me, that is where the issue really lies is, you know, because even I. And I Am a chemistry degree haver. But I do not. I don't know anything about, you know, the chemical bonds and things of hair and all those things. So me, I could say, well, because I went to college, like I'm smart, I understand things. I have the understanding and ability to.

Tammy (Co-host) (42:22)

And I'mma bleach my hair at this house.

Jackie Woodyear (42:24)

I'mma do it just. Cause.

Tammy (Co-host) (42:25)

And then I'm going to be bald headed and.

Jackie Woodyear (42:27)

And I feel like it's kind of the same for literally everything else. Right. If, if they're, they're like, oh, you know, buying a house is stupid because then I got to take care of the maintenance.

AJ Holiday 2.0 (Co-host) (42:38)

Yeah, I. Yes, okay.

Jackie Woodyear (42:39)

You know, or buying, you know, I don't, I just don't understand the benefit of buying a house because you never really own it. Like, what are we talking about? Yeah. Nothing for.

AJ Holiday 2.0 (Co-host) (42:46)

I mean, because they're talking about still having to pay taxes, but you gotta

Jackie Woodyear (42:49)

pay taxes on everything.

AJ Holiday 2.0 (Co-host) (42:50)

There's finesse. There's some finesse you could do with that. But get the house first and then figure out all.

Jackie Woodyear (42:55)

Do what you got to do. Yeah. Get in the game. I mean, there's just, there's just. It can't.

AJ Holiday 2.0 (Co-host) (42:59)

That is the gateway too.

Tammy (Co-host) (43:00)

But there is some. What about like, imminent domain. Like they can just.

Jackie Woodyear (43:04)

Yeah, I mean, absolutely. That is.

AJ Holiday 2.0 (Co-host) (43:06)

And that's what they've been doing to black people. If they can't even.

Jackie Woodyear (43:09)

That's exactly what. That's what they're doing on 77 right now. They're trying to expand 77 and they

AJ Holiday 2.0 (Co-host) (43:14)

always put the interstates throughout neighborhoods and

Jackie Woodyear (43:17)

that they are going to take these peoples, take these people's land. And the, the caveat is, you know, you're gonna get paid a fair amount for your land. And if you, and if you just don't accept it, then okay, we're just gonna take it. So. Yeah, there is the.

Tammy (Co-host) (43:32)

We should just call this episode gangland instead of the American Dream.

AJ Holiday 2.0 (Co-host) (43:36)

I mean, it kind of nigga Monopoly.

Jackie Woodyear (43:39)

Yeah. Get in the game or don't. But regardless of nigger nobody.

Tammy (Co-host) (43:48)

That's crazy.

Jackie Woodyear (43:49)

If you, if you are. Whether you're renting or your own, you're paying somebody's mortgage, you know, so.

AJ Holiday 2.0 (Co-host) (43:56)

But I think a lot of people were put in a position to own multiple homes, getting multiple mortgages paid off somebody else. So we missed the game if you didn't get into it.

Jackie Woodyear (44:06)

Yeah. And the longer you take to get in the game, the harder it's.

Tammy (Co-host) (44:08)

The harder it is.

AJ Holiday 2.0 (Co-host) (44:09)

The, the Airbnb game. All that all of it.

Tammy (Co-host) (44:14)

Yeah.

AJ Holiday 2.0 (Co-host) (44:14)

So I don't know. You gotta. You just have to wear. Have to have the wherewithal back to the intellectual. Because somebody might say that about me, right? I read a lot of. I always want to know about something. And I don't think that someone who, like you just said you do chemistry, right. Tammy went to school for hair. I've literally been doing hair since I was in first grade. Like, for real. Right. And a lot of what I know about hair is trial and error. Right? So you have in a chemistry degree, but you've never actually done the thing. I could very well say I do know more about this topic than you just because I don't have the degree in the thing. I do know more about this topic. So I do think there's a. There's value that comes in with doing, Doing. Doing the thing. Also reading the thing. And we know nowadays, our generation, these niggas is graduating off of chat GPT. Okay?

Tammy (Co-host) (45:02)

So you.

TurboTax/SpinQuest Advertiser (45:02)

You

Tammy (Co-host) (45:05)

say y' all take care of yourself, take your care of care of your bodies. By the time we get old, all the doctors and nurses will be chat GPT graduates. They ain't going to know if they phone die, you dead.

AJ Holiday 2.0 (Co-host) (45:16)

Like the people,

Jackie Woodyear (45:20)

they doing chat GBT in the exam room and everything.

Tammy (Co-host) (45:24)

Exactly.

Jackie Woodyear (45:24)

Girl in the surgery, they got chat GPT in surgery. Got it right. Oh, you know, on the.

AJ Holiday 2.0 (Co-host) (45:31)

No, see, for the nose notes that the doctors use, they do use AIs. AIs. Like this is they got the robots doing the half the surgery now. You know what I'm saying? So your best bet is to stay healthy because the good doctors are dead or retired, right? They retired old, old men and the old ladies who actually was trying to do some.

Jackie Woodyear (45:52)

Yeah.

AJ Holiday 2.0 (Co-host) (45:52)

Now, like, if they actually cured us, they wouldn't make money. Okay? So the dentist just got my mouth up.

Tammy (Co-host) (45:58)

They just want to keep you alive and sick, you know?

AJ Holiday 2.0 (Co-host) (46:01)

Yeah, well, that's the thing.

Jackie Woodyear (46:03)

Just because somebody is a professional or has a degree, that doesn't necessarily mean that they're a good dentist or a good realtor or a good doctor. That doesn't change that at all. Okay. You know, so, yeah. And you know, you may have been doing it since first grade, but do you understand the intricacies about why something exists or why something the way that you do? I. At times, yes. Maybe experience can help get you to the level of someone who learned it and has also has the experience, the combined learned knowledge and experience knowledge. So I mean, you know what I mean? It just. It depends. It's like it's. It's case by case. Everything is okay.

AJ Holiday 2.0 (Co-host) (46:49)

So I just want to get a stat. So average household. Excuse me. Average house price right now is $363,000

Tammy (Co-host) (46:58)

dollars in America or in America.

Jackie Woodyear (47:01)

Okay?

AJ Holiday 2.0 (Co-host) (47:01)

And average rent is $2700 nationally. Okay? Average student loan debt per borrower is $40,000. Okay? So that's our generation. They have us now. Not only do you have mortgage slavery, you have student loan slavery. The majority of our generation is in right now.

Tammy (Co-host) (47:25)

Let me tell you. Let me just tell y' all this. When I go to the hospital and I write my address for them to. I just put 1600 Pennsylvania every time. Send that out there, send that there.

AJ Holiday 2.0 (Co-host) (47:37)

And they probably even look like. Okay, they'll say. Because they 20 years old and don't even know what 1600 per man is.

Jackie Woodyear (47:45)

That is hilarious.

Tammy (Co-host) (47:47)

Okay, I gotta find that there.

AJ Holiday 2.0 (Co-host) (47:51)

Mine is Sax fifth.

Jackie Woodyear (47:53)

Hopefully we. Hopefully you ain't doing no federal crimes in here. Right? Right.

AJ Holiday 2.0 (Co-host) (48:00)

For Tammy.

Jackie Woodyear (48:02)

For legal purposes. This was a joke, right?

AJ Holiday 2.0 (Co-host) (48:05)

Mortgage rates. Oh, wait, this is. This is the student loan debt in the U.S. average, I mean, as a whole, I guess it's 1.6 to 1.8 trillion in federal student loan debt. So why are we paying? Because our government don't pay exactly like this.

Tammy (Co-host) (48:23)

You talking about my credit?

AJ Holiday 2.0 (Co-host) (48:24)

What's your credit looking like? United States.

Jackie Woodyear (48:27)

Okay.

AJ Holiday 2.0 (Co-host) (48:29)

The bank didn't have that money to give to you anyway. Show me on your damn balance sheet where you gave me $20,000. I'll pay it back.

Jackie Woodyear (48:37)

Right?

AJ Holiday 2.0 (Co-host) (48:38)

Because when I spend money, I gotta look at my. My balance and I see where 20,000 was deducted. If I spend 20,000 or something. They are creating money out of thin air. Imagine, okay? It's right. Irs, the feds, all the. Y' all need to read that book, the Monster out of Jekyll island, because it. It tells you exactly how the Federal Reserve came about and how these people that own everything that you can't talk about.

Jackie Woodyear (49:06)

Yeah.

AJ Holiday 2.0 (Co-host) (49:06)

How they have us. This is just. It's slavery.

Jackie Woodyear (49:09)

Did they talk about the Titanic? Girl, did they talk about the Titanic? And apparently all the.

AJ Holiday 2.0 (Co-host) (49:14)

I don't know if that.

Jackie Woodyear (49:15)

In that.

AJ Holiday 2.0 (Co-host) (49:16)

In that particular book. No, but yes. So this, what you talk about with the Titanic is how they faked the Titanic. Or they might. It might have happened. Or it may not.

Jackie Woodyear (49:25)

Maybe fake the deaths of the.

AJ Holiday 2.0 (Co-host) (49:26)

No. So two stories. So one side of the story is that the Titanic conspiracy sidebar was repurposed. It never actually sunk. The other side of is that they intentionally Sank it. Sank it with these other bankers who weren't wealthy, doing Federal Reserve.

Tammy (Co-host) (49:45)

So with the Federal Reserve, there used to be gold that backed every dollar.

AJ Holiday 2.0 (Co-host) (49:50)

Right.

Tammy (Co-host) (49:51)

But now, what the fuck?

AJ Holiday 2.0 (Co-host) (49:52)

Now it's been on a gold standard since Ronald Reagan.

Tammy (Co-host) (49:55)

So now it's just paper. Piece of paper that we decided has value.

AJ Holiday 2.0 (Co-host) (49:58)

And this is why people like Gaddafi was murdered by our government. Sorry to get into it.

Tammy (Co-host) (50:04)

Yeah.

AJ Holiday 2.0 (Co-host) (50:04)

Because he. His people was set up. You know, I'm saying he was trying to put their money back on the gold standard. Anybody who tries doing that, they take your ass out of here. And so it's an idea, right? Our US dollar is an idea. Just like crypto. Yeah.

Tammy (Co-host) (50:19)

I'm about to say like bitcoin.

AJ Holiday 2.0 (Co-host) (50:20)

Like it's an idea that not only

Jackie Woodyear (50:21)

that, but buy into because of all these tariffs and all this nonsense, other countries are looking to trade out outside of and leave United States.

AJ Holiday 2.0 (Co-host) (50:32)

We have always had a fals sense of like, freedom, you know?

Jackie Woodyear (50:34)

Yeah.

AJ Holiday 2.0 (Co-host) (50:35)

We have always been. We. We pay the most to live here, but we pay for other people to live better in other countries.

Jackie Woodyear (50:41)

For sure.

AJ Holiday 2.0 (Co-host) (50:42)

Other, smaller countries that I won't mention. But we're in debt because of these places. Right. So I am America first, because this is where the we at.

Jackie Woodyear (50:53)

Right?

AJ Holiday 2.0 (Co-host) (50:54)

Definitely. So if anybody. I don't understand how an American, somebody who lives there, grew up here. Your whole family is from this land. Would not be America first. We struggling. We fucked up over here. It's more homeless people. We have the largest prison population at the entire world.

Jackie Woodyear (51:10)

Yeah.

AJ Holiday 2.0 (Co-host) (51:10)

Most of our family members are in prison.

Tammy (Co-host) (51:12)

Yeah.

Jackie Woodyear (51:13)

I don't think black people have the luxury of considering other nations outside of America. We're not even considering America. We got to consider ourselves.

Tammy (Co-host) (51:24)

We got to consider our neighborhood. Remember saying, just clean up the dick.

Jackie Woodyear (51:28)

Start. We gotta. You gotta Charleston first.

AJ Holiday 2.0 (Co-host) (51:33)

Start here. Start with your house and stuff. Because we black people in America are on an island by ourselves. And. And so many movements have been built off the backs of things that we've done. Civil rights, other people coming to this country based on. We did with civil rights. Our people died in the streets, not theirs. And then they come here and they ask us to stand in solidarity with them. I just, I. I've never been somebody. I've never had anybody say anything racially towards me other than a white Hispanic man when I was like 10. Yeah, he called me a forky monkey. That happened.

Tammy (Co-host) (52:08)

I believe I can believe that.

AJ Holiday 2.0 (Co-host) (52:09)

So I think there's mechanisms that have been put in place to make us hate each Other made it make us hate the. The white man. I think sometimes now the black woman is the man to black men. Like, it's just. It's all fucked up and it's really like, we just got to get back to Michael Jackson, man. It starts with the man in the mirror.

Tammy (Co-host) (52:29)

I'm gonna say what Mike do.

AJ Holiday 2.0 (Co-host) (52:30)

You do.

Jackie Woodyear (52:30)

I know, right? It starts, where we going?

AJ Holiday 2.0 (Co-host) (52:33)

And if you can't take care of the baby, don't have the baby. Mike said that shit, too. Yes, that's my soapbox.

Jackie Woodyear (52:41)

Yes, I. Jackie, so you said it all.

Tammy (Co-host) (52:45)

If there's anything that you want to leave the people with that are ready to buy a home or going into foreclosure or just whatever you want to leave people with. Let's go. Let's hear it.

Jackie Woodyear (52:55)

Do what you can afford, you know, do whatever it is that you can afford for me. I am not the type of person who is going to try to convince you to do something that you're not ready to do. If I'm not trying to talk you into it, you know, if it is your goal. I want to be a resource. The realtor you choose should be a resource. Should be a wealth of knowledge and connection so that they can get done for you whatever you need done in your particular situation. Get some education. You know, if your aunt is a realtor, you can always call me if you don't know one. But talk to a subject matter expert because you don't know everything. I bought a house without being a realtor on my own. Bought and sold a couple of houses without a realtor. And when I went to school and learned all the things and then got into it and learned on the job, I was like, wow, I, you know, I miss out. I got. I definitely got finessed. You know what I mean?

Tammy (Co-host) (53:56)

And I thought I was like, oh,

AJ Holiday 2.0 (Co-host) (53:56)

yeah, so get you a finessing ass mortgage. This is easy.

Jackie Woodyear (54:00)

I know exactly what to do.

Tammy (Co-host) (54:01)

I can go.

Jackie Woodyear (54:01)

I can go be a realtor.

Tammy (Co-host) (54:03)

You said contact you. How can they do that?

Jackie Woodyear (54:05)

So you can call me. My phone number is 980-259-1606. Or I'm on Instagram at Carolina's Homegirl. So, yeah, that's. You can DM me. Whatever you need to do, I'm available. And so whenever you are, you know, going through the process, if and if. And if you prefer to rent, you know what I mean? I can help you with that too. So buying, selling, and leasing, I do it all.

Tammy (Co-host) (54:30)

All right, clock it now. I know you've heard the show So I know, you know, okay, that we gonna ask you for a dumb bitch story.

Jackie Woodyear (54:39)

I'm gonna embarrass myself.

AJ Holiday 2.0 (Co-host) (54:40)

Okay, listen, listen. All right, first of all, girl, we never embarrassed.

Jackie Woodyear (54:45)

So get on right?

Tammy (Co-host) (54:47)

You know, this is safe space. But wait, we're gonna go to commercial. We'll be right back. And we're gonna get to that story.

Jackie Woodyear (54:52)

Okay?

Tammy (Co-host) (54:53)

We'll be right back, y'.

Jackie Woodyear (54:53)

All.

Tammy (Co-host) (54:59)

All right, we back.

Jackie Woodyear (55:00)

Okay.

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AJ Holiday 2.0 (Co-host) (56:48)

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Tammy (Co-host) (57:37)

And we're back, y'. All.

Jackie Woodyear (57:39)

Video magic.

Tammy (Co-host) (57:41)

Let's get into your dumb bitch story.

Jackie Woodyear (57:43)

Time to breathe. So this was probably 10 years ago, okay? But this has to be, probably, hands down, one of my dumbest, dumbest bitch, dumb bitch moments. So I was dating this guy. We were off and on, but we were, like, generally serious. That was my man.

AJ Holiday 2.0 (Co-host) (58:02)

Generally.

Jackie Woodyear (58:04)

We were generally committed in a committed relationship.

AJ Holiday 2.0 (Co-host) (58:08)

You know, often.

Jackie Woodyear (58:12)

Most of the time. Most of the time. But you know how it goes. You get mad and you be like, I'm done. And then, you know, be right back together. Cause that's my man. Mine. So anyway, we had a little break. We came back and, you know, one thing led to another, and, you know, I missed my little period and I was like, oh, my God, hold on. Now I'm 24, 25, something like that. And I'm freaking out because I'm like, you know, we're. That's my man most of the time. You know what I mean? So I'm, like, terrified. So I'm like, okay, let me go talk to him and tell him. So I meet up with him, and I'm like, I can't even get it out. I got my little. I got it in a little plastic baggie, and I'm just like. And he's, like, shocked, right? So he immediately goes into, I'm not ready to be a dad, mind you. This is a man with teenagers. So he's like, I'm not ready to be a dad again. Again, you're not ready to be a mom? And I'm like. And I'm like, I know. I'm not. Like, I don't want to do this either. Like, I mean, you know, not yet. So I was like, I mean, I don't know.

Nissan Advertiser (59:26)

Should I?

Jackie Woodyear (59:26)

Should I not? I don't know. I'm young, I'm cool, I'm hip, I'm skinny.

Tammy (Co-host) (59:31)

All the things we think about, right?

Jackie Woodyear (59:32)

Yeah. And so I was like, okay, fine, whatever. Like.

Tammy (Co-host) (59:37)

And also, I don't wanna deal with

Jackie Woodyear (59:39)

no man who don't want me to have his child. Like, I'm me. I'm that girl. You know what I mean? I'm gonna be a great mom, right? So, you know, I did what I needed to do, right? So after that, we Kind of broke up. Cause I was like, I can't, you know, mess with no man who like, don't wanna. Don't wanna be with me. Like, that's insane. So then during Christmas, New Year, here go my mom, you know, you don't want to hold grudges. She wasn't necessarily talking about him, but she, you know, she was just. We were just having a conversation. So I was like, you know, okay, cool. So I was like, it's a new year, whatever, you know, I'll talk to him.

AJ Holiday 2.0 (Co-host) (60:12)

Get in here, mama. Go ahead.

Jackie Woodyear (60:14)

Right?

AJ Holiday 2.0 (Co-host) (60:16)

It was a dumb bitch story.

Tammy (Co-host) (60:18)

She didn't know. She didn't know you was going back to church?

Jackie Woodyear (60:21)

She didn't know. That had nothing to do with her. That was me.

Tammy (Co-host) (60:24)

This is my taking that advice and

Jackie Woodyear (60:26)

applying it to some booze dumb story. Okay, this has nothing to do with Gloria, I love you, mom, if you see this, but girl, I was being a dumb. So anyway, I'm like, okay, fine, whatever. I'll go talk to him or whatever. So we go out, we have a good time. We saw. We go to a just hilarious show.

Tammy (Co-host) (60:46)

Okay.

Jackie Woodyear (60:46)

Comedy show. And how old are you? This, this was.

AJ Holiday 2.0 (Co-host) (60:50)

How old are you right now?

Jackie Woodyear (60:51)

I'm 34.

AJ Holiday 2.0 (Co-host) (60:52)

Oh, okay. Jess and Larry's been out for 10 years.

Tammy (Co-host) (60:55)

2016.

AJ Holiday 2.0 (Co-host) (60:56)

Oh boy. Time be going by.

Tammy (Co-host) (60:59)

First of all, 2016 don't sound like 10 years ago.

Jackie Woodyear (61:02)

But it was. Yeah, so maybe it was like 8ish years ago. Maybe I was. Maybe I was 26 or something like that. But anyway, go ahead. So don't be doing madness. Right?

AJ Holiday 2.0 (Co-host) (61:11)

Calm down. All right. That's a lot.

Jackie Woodyear (61:15)

So anyway, you know, it goes well. So we go to dinner again and, and we're out with. With the kids and his best friend at this place. At this place. So they, he's like, we gotta leave. We. They leave. He's like, let's go back inside and have another drink. I'm like, okay, cool. You know, we get inside and he immediately is like. And he's like, clear. Clearly stressed about something. You know how they do the.

Tammy (Co-host) (61:41)

The head r. Like she, she.

Jackie Woodyear (61:43)

I'm like, okay, what, what is it? Spit it out. It is.

AJ Holiday 2.0 (Co-host) (61:46)

Why A little bit, huh? I'm getting mad a little bit, right?

Tammy (Co-host) (61:49)

Cuz I feel like he. He got his wallet or something like that. Go ahead.

Jackie Woodyear (61:53)

So he. So he sits me down. He's talking. I'm like, what? So he finally, he spits it out. He's like, I just had a baby o this and she's white.

AJ Holiday 2.0 (Co-host) (62:08)

The mom is White. Oh, that's what he said, though. And the mom's dad.

Tammy (Co-host) (62:16)

Oh, my God.

Jackie Woodyear (62:19)

I was like, why would you add that? But that does. You know, if his credit was bad

AJ Holiday 2.0 (Co-host) (62:25)

or something, he need to buy something. Like, he just out here getting white bitches pregnant, girl. Like, he's trying to buy a house. I'm fighting for my life out here,

Jackie Woodyear (62:42)

Girl. So I'm like, oh. So I know that hurt. So of course it did. I'm like, oh, my God. So of course I do the math, right? And three months before is when I was like. And he was telling me how he wasn't ready to be a parent again.

AJ Holiday 2.0 (Co-host) (63:00)

And I was like, so, bitch, you

Jackie Woodyear (63:03)

just had two women pregnant, but you're not ready. And you just didn't want. You know, you didn't want to have both. You didn't. So you knew that, like, me being

AJ Holiday 2.0 (Co-host) (63:13)

she too far along.

Jackie Woodyear (63:14)

The other girl. She was too far along. Exactly. So she was six months. You had a lady six months pregnant when I told you I was pregnant,

Tammy (Co-host) (63:20)

and you just raw dog and skeeting and bitch.

Jackie Woodyear (63:22)

I mean.

Tammy (Co-host) (63:23)

And don't want to be a dad.

AJ Holiday 2.0 (Co-host) (63:25)

Beige, babe, you was sharing dick with a beige.

Jackie Woodyear (63:31)

Ew. Yeah, one that. One that says, y' all racist. One that says nigga girl. A white girl that says, yeah.

AJ Holiday 2.0 (Co-host) (63:41)

Oh, he didn't have like a good white girl. He had like a. A white girl.

Jackie Woodyear (63:46)

I mean, of. Of all people in the whole entire world.

AJ Holiday 2.0 (Co-host) (63:49)

So anyway, yeah, she had a shortcut. Like a bob.

Jackie Woodyear (63:51)

Like a bob. No, she was. She had. She was blonde, girl. I don't know. She was blonde. She had like, you know, the grown out roots where it's just like black and then.

Tammy (Co-host) (64:00)

Oh, wow.

State Farm Advertiser (64:00)

One of those.

Jackie Woodyear (64:01)

It was extremely embarrassing. Okay. Anyway, so I stayed. You stay.

Tammy (Co-host) (64:12)

You keep fucking with her. You bought the baby a gift. You bought baby shower gift.

AJ Holiday 2.0 (Co-host) (64:18)

Wait, you. I lost the mic. Usually we have to ask, like, okay, where's the dumb bitch part? Like, we missed it. She said it so quick. I say sneaky out,

Jackie Woodyear (64:32)

and then I tape for a year.

AJ Holiday 2.0 (Co-host) (64:35)

Ooh.

Tammy (Co-host) (64:37)

When that happens, when you got your emotions and feelings involved, you'll stick around way. Gloria don't do Gloria like that. Gloria didn't have nothing to do with that shit.

Jackie Woodyear (64:47)

Sweetest lady on earth. Gloria was mad. Yeah.

AJ Holiday 2.0 (Co-host) (64:52)

You should play with her baby.

Tammy (Co-host) (64:55)

Well, I get it, but did you buy gifts for the baby?

Jackie Woodyear (64:57)

Oh, what? He was in Target all the time, girl.

AJ Holiday 2.0 (Co-host) (65:00)

I thought she was gonna say no.

Jackie Woodyear (65:02)

No, girl, I did. I was doing everything. You was in it. Yeah, I was in it, at least.

AJ Holiday 2.0 (Co-host) (65:12)

I know he over there thinking, how them niggas be on the Internet. See this? Yeah. See what's wrong with black women? Y' all having sex. Y' all having babies with the 10% of men that's making babies. The talking points.

Tammy (Co-host) (65:25)

Well, it's okay. We've been there.

Jackie Woodyear (65:27)

We are past that now.

Tammy (Co-host) (65:29)

Yeah. That's 10 years ago.

Jackie Woodyear (65:30)

Amen.

Tammy (Co-host) (65:31)

Amen. You know, thank God for growth.

Jackie Woodyear (65:33)

Yes.

AJ Holiday 2.0 (Co-host) (65:34)

You wasn't white enough for me.

Jackie Woodyear (65:37)

Yeah, that's exactly what happened.

AJ Holiday 2.0 (Co-host) (65:40)

She wasn't white enough. I wanted a white girl in the episode.

Jackie Woodyear (65:45)

Right. And the lights. And cue the lights. Cue the lights.

AJ Holiday 2.0 (Co-host) (65:49)

With black playing with me since we got here. That was good.

Tammy (Co-host) (65:54)

That was a good story.

Jackie Woodyear (65:54)

Thank you for showing. Okay. You're welcome. Yes. Only very close friends and family know that one.

Tammy (Co-host) (66:00)

Well, not no more.

AJ Holiday 2.0 (Co-host) (66:02)

Right.

Jackie Woodyear (66:02)

You know, you're welcome. My judgment is much better. Okay, listen.

Tammy (Co-host) (66:08)

It's very relatable.

Jackie Woodyear (66:10)

Yes.

Tammy (Co-host) (66:10)

It's a relatable story.

AJ Holiday 2.0 (Co-host) (66:11)

I know you already gave your contacts. Given one more time before we get up out of here.

Jackie Woodyear (66:15)

Okay.

AJ Holiday 2.0 (Co-host) (66:15)

Everyone know that. All listen. Listeners know where they can find you and plug everything.

Tammy (Co-host) (66:20)

Anything and everything.

Jackie Woodyear (66:21)

Okay. So you can find me on Instagram. My professional Instagram is Carolina's homegirl. But I'm also. I also have a personal Instagram if you just want to see what I have going on. It's at Jackie Underscore. M L Y N N. So it's Jackie Underscore Malin. And then you can give me a call. My Number is. Is 980259. 1606. And that's me. You can. You can find me there.

Tammy (Co-host) (66:50)

Don't call her with no.

Jackie Woodyear (66:52)

Y' all don't. Please do not.

Tammy (Co-host) (66:54)

A house.

Jackie Woodyear (66:54)

Yes. Do not call me a nonsense. This it is. I am a professional. Amen to that. Okay. Except for on my Jackie Instagram.

Tammy (Co-host) (67:03)

Yeah.

Jackie Woodyear (67:04)

But most of that is going. Damn her there close first. Yeah.

AJ Holiday 2.0 (Co-host) (67:13)

All right, y'.

Jackie Woodyear (67:13)

All.

AJ Holiday 2.0 (Co-host) (67:13)

This is great.

Jackie Woodyear (67:14)

You are so welcome. Thank you. Thank you, ladies. This has been amazing. I had a blast.

Tammy (Co-host) (67:19)

Good, good, good.

Jackie Woodyear (67:21)

All right, y'.

AJ Holiday 2.0 (Co-host) (67:21)

All, if you enjoyed this episode, y' all tune in every Thursday on the iHeartRadio app or wherever the you get your podcast at. This is your co host, AJ Holiday 2.0 on Instagrams. Kick it Tam, y'.

Tammy (Co-host) (67:32)

All. It's official. Tam Bam on Instagram, y'. All. Follow us Me there. Follow us at We Talk Back podcast.

AJ Holiday 2.0 (Co-host) (67:38)

Remember, speak now and never hold your American dream. It is attainable, period.

Jackie Woodyear (67:44)

Amen.

AJ Holiday 2.0 (Co-host) (67:45)

Clock it Deuces We Talk Back Podcast is a production of iHeartRadio. Visit the iHeartRadio app, Apple Podcasts, or wherever you listen to your favorite shows.

TurboTax/SpinQuest Advertiser (67:58)

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Tammy (Co-host) (68:33)

Well, almost.

Jackie Woodyear (68:34)

Almost anything.

State Farm Advertiser (68:35)

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TurboTax/SpinQuest Advertiser (68:38)

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Jackie Woodyear (69:47)

is an iHeart podcast. Guaranteed Human.