Borrowed Peace | DISC 6: Vitality | 411 Podcast🍾Reading Between The Wines (Episode 26) - video Dailymotion

Lerin Gaines

Borrowed Peace | DISC 6: Vitality | 411 Podcast🍾Reading Between The Wines (Episode 26)   Featuring: Wine Down Wednesday, Mentorship Series   Wednesday | April 22, 2026   Streaming LIVE on all social media platforms @LERINGAINES   https://leringaines.com  https://linktr.ee/leringaines  https://www.facebook.com/leringaines  http://instagram.com/leringaines  https://www.tiktok.com/@leringaines  http://twitter.com/leringaines  https://www.youtube.com/@leringaines  https://www.twitch.tv/leringaines  https://kick.com/leringaines  https://dailymotion.com/LerinGaines   Song of The Day: "Weak" by SWV  Released 1992 | It's About Time   Burning Questions for Reflections!  Are smaller payments making your life easier - or making overspending easier to ignore?   Share your response to tonight's Burning Questions...  Text: (609) 200-1098 | Email: Info@LerinGaines.com   DM on any social media platform @LERINGAINES (Facebook, Instagram, X, TikTok, YouTube, KICK, Twitch, DailyMotion)   Sign up for my FREE Monthly Newsletter 'Whispers of Wisdom' for updates, exclusives, and inspiration!   Subscribe now at LerinGaines.com   #Facebook #Instagram #TikTok #X #YouTube #KICK #Twitch #DailyMotion #DebtFreeLiving #FinancialCoach #LerinGaines #411Podcast #RBTW #ReadingBetweenTheWines #BurningQuestions #BlackDiamondConsultations #VacationWithMe #WhispersofWisdom #DISC6 #Vitality   DISCLAIMER: The content and information provided by Black Diamond Consultations are intended solely for educational and entertainment purposes. We do not guarantee the accuracy or completeness of the materials, and any reliance you place on them is strictly at your own risk. Our content is not intended to be a substitute for professional advice or judgment. Black Diamond Consultations shall not be liable for any errors or omissions in the educational and entertainment content or for any actions taken based on the information provided.   411 Podcast🍾Reading Between The Wines  DISC 6: Vitality  Track 26: Borrowed Peace  ©️ 2026 Black Diamond Consultations Network  LerinGaines.com

Transcript

02:32You're now tuned into the 411 podcast and reading between the wines, where everyday conversations lead to financial awareness. Powered

02:41by the Black Diamond Consultations Network.

02:43More than a podcast, this is a sanctuary for self-discovery, healing, and personal growth. Here, we explore what it

02:52means to live debt-free. Not just financially, but spiritually, mentally, physically, and emotionally.

02:58Every episode is a part of a journey across our weekly mentorship series.

03:04Spiritual Sundays, Mental Mondays, Transformational Tuesdays, Wind Down Wednesdays, Coaching Sessions Thursdays, and Financial Fridays. Each day holds space for

03:16wisdom, clarity, and real conversations.

03:19So, grab your journal, pour your glass, and prepare to go beyond the surface. Deep inside, we don't just talk,

03:26we transform lives.

03:28And now, here's your guide through it all. Entrepreneur, mentor, and financial coach, Laren Gaines.

03:47What's going on, good people? How you doing out there? Welcome, welcome, welcome on in.

03:55Welcome in to Reading Between the Wines. This is going to be a great show tonight. I just have to

04:03say, this is going to be an amazing show tonight because I am all the way up. I am ready

04:08to do this thing.

04:11Before we go ahead and get started, I have to give a very special thank you to the producer.

04:18Thank you, sir. I want to thank God for giving me another opportunity to come out here and give you

04:23the, I was about to say the 401 podcast, give you the Reading Between the Wines episode.

04:31And I want to say, thank you so much to all of y'all rocking out there with me. I

04:36want to say good morning to all y'all, especially y'all out there on Facebook. I see you.

04:41Thank you. Thank you all so much. And please continue to like, comment, share, subscribe, tag a friend, text a

04:50friend, do whatever you need to do to continue to level of support.

04:54And I just want to say thank you all so much. I appreciate all of y'all.

05:28Birdman 313 coming in. We might have some surprises for y'all as well. So stick around, stick around.

05:35So we're talking about Borrow Peace. I'm going to get into this buy now, pay later, this short-term financing,

05:42all of this crazy stuff that people do.

05:45And they think that it's the hottest thing to do now because you can get it now, but you buy

05:52now.

05:53Oh, trust and believe you're going to pay later. So I'm going to speak about that.

05:58Um, I got some wine sign, some fit vine. So there's this line of wine that focuses on physical fitness,

06:11making sure you don't really, you know, blow your calorie budget.

06:17And it has zero sugar. So I'm curious to see what this is going to taste like. Zero sugar, gluten

06:25-free.

06:28So we're going to see tonight. So fit vine. I am sampling their red blend version.

06:35So yeah, can't wait. Can't wait. I will tell you that it smells amazing.

06:42So let's see if the smell matches up with the taste.

06:50So yeah, it's time. It's time for my favorite segment.

06:57Song of the day.

07:09Okay. So 12 years old, 1992, this group comes out and explodes the charts.

07:23Out of control. I believe that every single song, every single song, but it felt like every single song became

07:34a single.

07:34And, you know, this is around a time when videos are out and, you know, you wait for it to

07:41come on a radio because you really didn't have the cassette tape.

07:45Or the CDs weren't really, they were coming in, but they weren't really that.

07:50It was more cassette tapes at this moment.

07:54SW week. So, you know, we remix it.

07:57And I was thinking about this journey. I was thinking about where I'm at in life.

08:02And although we sometimes put on these layers, we put on this armor and we appear to be strong, sometimes

08:17we can be weak.

08:18At the same moment that we are appearing to be strong, deep down inside, sometimes we could be weak.

08:25And there are certain things that will tempt us to move into the fleshly spirit, to the fleshly realm that

08:36makes us weak.

08:38So I want you to think about your own life.

08:41I want you to think about your situations.

08:46And think, what is that one thing?

08:50What are those couple things?

08:52You will want to hope and pray that it's only one thing.

08:55But for some of us, it might be a couple things.

08:57It might be a few things that gets us so weak in the knees that we can hardly speak.

09:03And we lose all control.

09:05And when we lose control, we end up doing some things that we don't want to do.

09:09We end up waking up the next day feeling regretful and feeling sad because we let our flesh get the

09:18best of us.

09:20Is it that binge watching that you do that gets you so weak and you're stuck and you're glued in

09:29front of the TV for hours on end?

09:32Or do you do a lot of social media scrolling and you were just going to go ahead and check

09:38one, two, three different pages and next thing you know, you look up and you've been scrolling on your phone

09:47for hours on end and half the day is gone.

09:51Is it that every single time you hang out with X, Y, and Z, you prepare and you tell yourself

09:58that you're not going to take it there, that you're not going to go there, but yet the next day

10:03you wake up feeling sad and regretful?

10:08I don't know who I'm speaking to.

10:10I'm only speaking from real life experiences, things that I've been through.

10:13But I will tell you that once you decide to switch things up and change things up and be strong,

10:20lose the pride because first comes pride, then comes destruction.

10:28Several times I've told myself, Laren, oh, you really killed that.

10:34You did that, son.

10:36Oh, we on top.

10:37And then the minute that you puff yourself up like that and you think that you are doing something, there

10:45comes the temptation directly afterwards.

10:47So what I've learned, again, still a work in progress, but what I've learned is that when that pride comes

10:58up, when that ego comes up,

11:00when you accomplish whatever goals you set out to accomplish and you feel them really good, that's when it's time

11:08to pray.

11:10That's when it's time to pray.

11:13Because temptation is always knocking at your back door, always knocking to try to remind you of where you've come

11:23from.

11:25And to make you feel that being in the fleshly realm is better than being in the spiritual realm.

11:36Song of the day.

11:39Week 1992 SWVC.

11:43Some of us are weak when it comes to the financial aspect of things because we say that we are

11:49going to save.

11:50We say that we are going to go ahead and set ourselves up for success.

11:55But then the fleshly, the earthly side of us starts to kick in.

12:01And now we have to buy this.

12:02We have to go there.

12:03We have to do this.

12:04We have to do that.

12:08Weak SWV.

12:11But one thing, one of my favorite scriptures, 2 Corinthians.

12:18For when I am weak, I am strong.

12:20So for those of you out there that you might have had some weak moments, you might have had some

12:26tests,

12:27and maybe you didn't pass the test the first time, and you're going through some more trials,

12:32just know that if you fall down, you can get back up again.

12:38Know that for when I am weak, I am strong.

12:41The weak moments, when you fall down, when you get back up, and you stay on path,

12:47and you know what you're doing, and you put your trust in the most high,

12:54you'll get catapulted to higher heights, newer situations, found strength.

13:02It's okay if you have some weak moments.

13:05It's okay if you are tested.

13:08It's okay if you're tried because we're human.

13:11But just know that after that test, after that trial, there comes strength.

13:16There comes power.

13:18There comes energy.

13:21There comes vitality.

13:23Yeah.

13:25We ready to do this here.

13:27I'm ready for this.

13:30All right, so now, the moment, let's go ahead and get this show on the road.

13:36We're going to go ahead and bring in my friend, family to the show, author, poet, Birdman, 313.

13:58What's going on?

13:59What's going on?

14:00How you doing?

14:01Hey, how's it going, man?

14:03I'm doing good.

14:04I'm doing good.

14:05I'm in rare mode tonight.

14:06I'm doing good.

14:08That's good.

14:09I'm doing okay.

14:11Doing okay.

14:12That's what's up.

14:13So, I will tell you that I did say it was like 89 last week, right, when we spoke?

14:21Yeah.

14:22Mm-hmm, mm-hmm.

14:23More like 59 today.

14:28Hey, don't feel bad, man.

14:30Yesterday, it was like in the 50s.

14:35Go out today, man.

14:37Didn't have to wear nothing, you know.

14:39It was like 74, 75, something like that.

14:43I'm like, man, the difference that they make.

14:47Yeah, that's something else.

14:49Yeah, but that's been happening here because we've been having a lot of rain.

14:53Been a lot of rain coming this way.

14:56Matter of fact, I went for a walk.

14:59You know, I tried to get that little walk in or I do my little exercise machine.

15:04And when we got back from the store, I took me a little walk, 10-minute, 15-minute walk.

15:12And I mean, all of a sudden, I'm sitting here.

15:17I'm getting ready to go take a shower.

15:18And I thought Diana had turned the shower on, but it was outside, man.

15:24Oh, yeah.

15:26Yeah, it was pouring down.

15:28So, you know.

15:31Eh, you know it is what it is with this weather.

15:33I'm sort of just over it at this moment.

15:37I'll go with the flow.

15:38Who knows?

15:39Monday was horrible.

15:40What choice do you have?

15:43You know, what choice do you really have?

15:45You know, you're right.

15:46You're right.

15:47It was crazy and windy.

15:49What was it, yesterday or the day before?

15:52Whatever it was, I was like, I ain't even going outside for a walk.

15:55I'm over it.

15:55It was craziness.

15:57Yeah, I heard that.

16:00Now, you know, I just realized that I didn't even do my wine sampling.

16:05I sat here and spoke about it, but I ain't sample it.

16:08So, I'm going to have to do that, of course, to get to show on the road the right way.

16:14I just got so amped up in the intro that I forgot all about it.

16:17But, so, did you release the book?

16:22No, it's just now getting published.

16:27Okay.

16:27So, no, I don't even have copies yet.

16:30It's just now going through, you know, so.

16:33Well, keep me posted on that because, you know, we want to definitely highlight that and celebrate.

16:39Right, so.

16:40Yeah, yeah, yeah.

16:40Oh, yeah.

16:41And whenever you get a chance, just send me your address so I can get you a copy also.

16:49Okay.

16:50No problem.

16:51I've got to send you something as well, too.

16:52So.

16:53All right.

16:55So, well, you're going to do the wine tasting with me.

16:57Normally, I roll solo on this, but I got this wine called Fit Vine.

17:03Fit Vine.

17:04So, this is Red Blend, and it's zero sugar.

17:07So, for people out there who need to watch their sugar intake, I recommend this full flavor, gluten-free, gluten

17:15-free.

17:16And this is a good 13.5%.

17:20So, it says, keep up with us.

17:22It got a picture of a dude running with grapes in his hand and a glass, a wine glass.

17:28And it says, Fit Vine was born with friends who got together to make wines that fit into their active

17:37lifestyles with rich flavor and zero sugar.

17:40Fit Vine won't hold you back.

17:43If you're looking for a wine that champions the way you want to live your life, crushing it at work,

17:49at the gym, or whatever life takes you, drink with us.

17:53So, for people who want to control the calorie intake, this has about 121 calories per five ounces.

18:02I'd say go ahead and try this.

18:04So, I want to say cheers.

18:06Thank you, Birdman, for joining in every week.

18:09Thank you, everybody out there for tuning in to the show.

18:13Thank you for having me, man.

18:16No problem.

18:17No problem.

18:19This is a great, as always.

18:23You're a family to the show.

18:24And I'm going to say cheers.

18:31So, Birdman, what do you think of the wine?

18:34How does it taste?

18:35It tastes good, man.

18:38It tastes good, man.

18:41Yeah, you know, it tastes good, man.

18:45It goes down smooth.

18:47I said good.

18:48It's good.

18:48Yes, yes, yes.

18:51All right.

18:55Money Hacks.

18:57You ready?

18:58You got a number for us?

19:02Yeah.

19:03See, you know what?

19:04I was sitting here thinking.

19:05I'm like, well, he going with 26 tonight.

19:08I'm going to go with 26.

19:11All right.

19:12Let's see what we got with 26 here.

19:1726.

19:19Oh.

19:22We got.

19:23Hmm.

19:25I got a choice here.

19:27All right.

19:27I'm going to go with the first one.

19:28Go with my first instinct.

19:32Do use cash and debit cards.

19:35Pay as you go is the way to go as far as I'm concerned.

19:39You can't get into debt if you only spend the cash you have.

19:43Walking around with a lot of cash can be impractical.

19:47A debit card that is tied to a checking account that you only keep a small amount of money in

19:55or prepaid debit card is a great way to restrict your spending to what you truly can afford.

20:03An important caveat, as mentioned earlier, is I also and you have that you use a few times a month

20:12and make sure that you pay the bill in full.

20:15This will help make sure that you build a strong credit score.

20:21So what do you think about that, Birdman?

20:23Oh, yeah.

20:24Hey, man, it's not it's not safe to carry cash no more.

20:29I know down here, man, you know, here in Houston.

20:33It's not safe at all, dude.

20:35I mean, you never know who people on the corner or, you know, or, you know, up in the tree

20:41or, you know, and, you know, I know people laugh when you say that.

20:44But, hey, man, people have been sitting up in trees waiting for people to go to the teller machines and

20:52jump it down and robbing them, man.

20:54So, hey, when I say trees, it's not it's not no joke, man.

20:58You know, it's real.

21:00So what reminds me of S.O.S. talks about shout out to S.O.S.

21:04I spoke to her this past week, but she calls it tree boxing.

21:11And that's basically what it is when people are, you know, looking down and checking out.

21:18They act like they ain't really feeling you, but they tree boxing, they stalking, they looking, they hawking.

21:23So, yeah, it's interesting that you gave that scenario of the tree.

21:30But it's really like that up in trees.

21:33Yeah, up in trees, man.

21:36That is.

21:38That's craziness.

21:40You know, or hiding behind a parked vehicle.

21:43I mean, it's just it's really mad madness down here, you know, and, you know, going to an outside teller

21:53machine is really not safe.

21:57You know, like when we like when we go, you know, I'm always sitting close, close by.

22:05So when Diana go up, I'm looking around, man.

22:08You think I'm the chick from the exorcist, man.

22:10My head is steady twirling around.

22:12I'm just I'm just watching because, you know, man, people people really like I sit down here.

22:20You don't know where they coming from.

22:23Well, and that's crazy, too, because you can go inside the ones that lock behind you.

22:29And that's the setup.

22:30That's the setup, too, because you all enclosed in the glass.

22:34They see you in there.

22:35What you think is going to happen when you come out?

22:38Exactly.

22:39But a lot of banks down here have security guards or policemen.

22:43They have they have armed armed security.

22:46Put it like that.

22:49Yeah, I agree.

22:50Carrying cash nowadays is something else, but it boils down to basically spend what you have.

22:59So, yeah, it's better off that.

23:02For people who can't control if they have impulsive instincts and they can't control the way they spend money, then

23:11go with a debit card.

23:13Yeah.

23:14Oh, yeah.

23:14The debit card is less, you know, it's not that all that clutter either.

23:19You know, it's just a card.

23:20You have if you no matter where you carry that, like I always take my eyes out my wallet when

23:26I go into the bank and I just take the card with me.

23:28You know, if I do it that way, I don't pull out my wallet out in the open because that's

23:37that's another thing they're looking for, too.

23:39So I always I always make sure my money is in my pocket.

23:43My card is in my pocket when I walk out.

23:47And here's one thing to be very cautious as well.

23:51So spend what you have to keep the idea behind it.

23:56Yeah, because there are certain things called fees.

23:59So even though you have a card, it might have a visa slash debit on it.

24:05And sometimes in some cases you can overspend, even though you don't have it in a bank.

24:10And that's where the overdraft fees come in.

24:13And that's where you get, you know, in a situation as well.

24:19But then we have some places down here that you can only pay with cash.

24:25And we have other places where they only accept debit cards.

24:30So we try to find the ones where, you know, it depends on where we're going.

24:36Like, it's this fish place we go to, they don't take debit cards.

24:41It's all cash.

24:43Another spot we go to, all they accept is is debit cards.

24:49So be careful.

24:51Well, not be careful because what can you do?

24:53But I'm wondering when the day is going to come when you go to a certain spot and they only

25:01accept cryptocurrency.

25:03Oh, yeah, I know.

25:05Hey, man, don't say that out loud.

25:07Because, yeah.

25:09Yes, man, y'all.

25:11But when that day happens, I'm going to be sitting right here on this podcast and I'm going to say

25:18I told you so.

25:19Because there's so many people that don't believe that cryptocurrency is a thing.

25:25And I'm just waiting for the day where I can say I told you so.

25:31Well, you know, there's places that, you know, because, you know, I do a lot of writing, you know, especially

25:36poetry and stuff.

25:38There's some places that if you do a, if you use AI, they won't accept it.

25:45Matter of fact, KDP, when I did my book, when I did my book, that was the question.

25:50I had to answer whether any part of my book was AI.

25:57And, you know, I just put no because I don't use AI.

26:01Like, I'm the type of person, I like to show my talent, whether it's bad or not.

26:08But anything I create, I want people to know I created.

26:12I didn't have some machine or whatever you want to call it doing anything for me.

26:20Yeah, that's going to be, that'll be a topic for another show.

26:25Yeah, yeah.

26:27You can't escape it.

26:28It's here already.

26:29It's a wrap.

26:30Yes, it is.

26:31Yes, it is.

26:34All right.

26:36So, all right, let's get into tonight's assignment.

26:41We going all the way to Jacksonville, Florida.

26:44Yes.

26:45I'm sure they got some nice weather down there.

26:50So, Ms. Renee, we going to help out Ms. Renee.

26:53Renee says, I told myself installment payments were helping me budget.

26:59It's only four payments.

27:01That's what I kept saying.

27:03Clothes, home items, a mattress, even concert tickets.

27:07Nothing felt irresponsible because the payments look small, manageable, and almost harmless.

27:13But now, I've got due dates scattered all over the month, money leaving my account before I can even remember

27:21what I bought.

27:21It feels like my paycheck arrived already divided.

27:25What scares me is I used these payment plans to feel less stressed.

27:30I told myself I was creating flexibility.

27:33But if I'm honest, I was borrowing peace.

27:37I was using delayed consequences to avoid immediate discomfort.

27:42And now, the discomfort is everywhere.

27:45I've got regular bills, old debt I'm still paying down, and now these little people are on the top of

27:51each other like they don't count.

27:54But they do count, but they do count.

27:55I feel them.

27:56I don't think I was trying to live above my means.

28:00I think I was trying to make life feel lighter.

28:04How do you tell the difference between using a tool wisely and using a tool to justify what you can't

28:10currently afford?

28:12Renee, what do you have for Renee?

28:15Renee, you know, that's something I had to sit back and think of because I've been in that situation before

28:24many times.

28:26Probably still in that situation.

28:29But, you know, as long as you live, you're going to have bills.

28:33I don't care if you're a millionaire or a billionaire.

28:37You're going to have bills.

28:39You're not going to live nowhere free without anything.

28:46And that's just something that a lot of people don't seem to understand.

28:51You know, I tell my kids all the time.

28:53I say, hey, man, I said, nothing in this world is free.

28:57Absolutely nothing.

28:58I said, so, you know, get used to it and, hey, man, just be careful how you spend.

29:09And that's the thing that most of us lose control of, of how many items that we go out because,

29:17you know, we go out, we buy things, then we start paying it.

29:23And then sometimes when we pay it off, then what do we do?

29:28We go buy something else.

29:30And you have a payment plan.

29:33And so you're always going to be in that cycle of doing it unless you just pay cash for whatever

29:40it is.

29:42Then you don't have to worry about having a bill.

29:47And everybody can't pay cash because most of us, and I even include myself, we're living from paycheck to paycheck.

30:00You know, the thing with paying cash, you can't pay cash on online.

30:07See, this is where this is where the setup is because, see, you can't pay cash online.

30:12So in order to do Amazon Prime, do any of these things, you have to have it linked to a

30:21debit card, credit card.

30:27And with that said, that's where the buy now pay later comes into play because you already have a card

30:33hooked up to it.

30:34You already have something hooked up to it.

30:37And that's the situation right there.

30:41And you know what else?

30:42I'm going to tell you something else, because I got in trouble with this many times.

30:46You know, back, you know, I don't know if it's like that now, but I know like back in the

30:5380s and the 90s or somewhere, you know, during that era, they had, you know, these like Rent-A-Center.

31:02And you can go there and get you, you know, go there and you can, you get you, you know,

31:07a whole apartment or house full of furniture.

31:10You can go get all that.

31:12And you had a weekly or however you want to pay it.

31:17Payment.

31:18What wasn't with them?

31:19It was like weekly or biweekly.

31:22Right.

31:22They did something to where they tapped that account more than just once a month.

31:27Yeah.

31:27Right.

31:28And, you know, the thing about it is once you paid that off and you say, you know, like, you

31:36know how you go and you fill out application and say, what have you paid off?

31:42You can't even use them.

31:44But if they come and repossess their whatever it is you got, that goes against your credit.

31:52Oh, so you can't use it that you paid it off.

31:55But if they get repossessed, then that goes against your credit.

32:00Exactly.

32:01Yeah.

32:01Because that happened to me.

32:02It was a situation where my sister put me in a bad situation.

32:07I didn't know nothing about it.

32:09I'm at work and, you know, her and her then husband, boyfriend, whatever he was, you know, they got in

32:17some things that I wasn't even aware of.

32:20And I had to move.

32:23And I come home and, man, you know, they, whoever it was they had it in for, hey, man, they

32:31took my stereo.

32:33They busted my waterbed.

32:35The floor was all, I mean, they just ruined my place, man.

32:39I had to move out and, you know, they took my TV, my stereo.

32:47And so I went to the rental center and I told them what was up and they said, you still

32:51responsible to pay us.

32:55You know, just like that.

32:57And I said, but I don't, they said, that ain't, that ain't my problem.

33:00That ain't our problem.

33:02Yeah.

33:03That's something else.

33:05Yeah.

33:06Wow.

33:06That's interesting.

33:08And, you know, something about them too.

33:12At what point do they say, you know what?

33:14You paid so much on it.

33:16We're not coming to repossess it anymore.

33:18Let's say you got.

33:20Okay.

33:20So if you got, if you got two or three payments left, you had that furniture for years.

33:27Because first of all, that's another scam they have to, I'm not going to say that it's a scam, but

33:32it keeps certain groups of people stuck.

33:36And I'll say that again.

33:37It's not a scam, but it keeps certain groups of people stuck.

33:41For example, if you're buying a piece of furniture that costs $1,000 in the store, if you go to

33:48one of these companies that we're speaking about, what you would have paid $1,000 for if you paid in

33:55cash, because you went to them and you went through their system, now you're going to pay $1,500.

33:59So in any case, you're paying more money than what you normally would have is if you outright bought it.

34:07So it's like the buy now, pay later is the same situation.

34:11It's Rent-A-Center and all of these other places, but it's 2.5 or 2.0.

34:17It's an upgraded version.

34:18It's an online, it's a digital version.

34:21So my question is, if you have three payments left and you've had that furniture for five years, you done

34:28slept in it, you done messed it up, the kids done tore up the bunk beds, whatever the case may

34:33be, you got two single payments left.

34:36Do they just hound you and say, I need my money or do they come and still get it?

34:42Oh, they'll come back and get it.

34:44After all of them years, you had it for five years, you struggled to pay it off?

34:49Yeah.

34:50Because, yeah, you sign a contract.

34:53That's the thing.

34:54See, a lot of people don't know when you sign that contract, that means you pay that contract off.

35:03Yeah.

35:04Yeah.

35:05You sign a contract and, you know, it'll say maybe they'll say, well, it should take you, you know, 18

35:17months or 36 months.

35:20And, you know, you went to a normal, and I always say normal, but you could have went to a

35:27regular store and you could have got that furniture, but if you had got it, you would have to have

35:33put it in a layaway and you would have to pay it off before you could get it to your

35:38house.

35:40Right.

35:41Right.

36:08That's the thing.

36:08They trick you.

36:09They trick you.

36:10Yeah.

36:10But they always say, oh, you know, they say, oh, you don't have to put no money down and we'll

36:19get you in a vehicle.

36:20I got caught up like that in one, in a vehicle like that.

36:23And, you know, I was like, really?

36:25It was like, yeah.

36:26I'm like, oh, man.

36:27I jumped on it.

36:29So, you know, a couple more people went out to the, to the same dealership.

36:35And, and then this one guy, he said, man, you know what?

36:38I just realized.

36:40And it was like, what?

36:41He said, the payment at the end, you got to pay six months.

36:49You know, really it's extended for six months.

36:53The payments extended for six months.

36:55And a lot of people don't know it because people are trying, you know, trying to, you know, you're in

37:00the big city, like being in a big city, you know, you know, riding the bus all the time is

37:06not really very friendly.

37:09Most of the time it's crazy.

37:11So if you want, you know, you want your own transportation, that's how they was getting a lot of people

37:18to get in vehicles.

37:20He said, oh, you don't have to pay nothing now.

37:22You don't have six months of no payment, but yes, you do.

37:26You're going to have to pay that six months at the, at the end of the contract.

37:33That's no good.

37:35I have a question for you for, and this is for everybody out there.

37:39I know you've been through some of my classes and things like that.

37:44So is a car, since we own a car situation here, is a car an asset or is it a

37:51liability?

37:54I say both.

37:56Okay.

37:57That's just me.

37:58I say both because I said, oh, it's an asset because every nowadays, everybody needs a vehicle.

38:08But it also can be a liability because when it breaks down, you know, you got to get that car

38:16fixed.

38:18Exactly.

38:19Now, I'm going to tell you what the difference is between an asset and liability.

38:24So an asset is something that brings money in to you.

38:30It brings money towards you on a weekly, monthly, quarterly, annual basis.

38:40A liability is the exact opposite.

38:43It's something that takes money away from you on a weekly, a monthly, a quarterly, or annual basis.

38:54So a car is actually a liability, just like your home is a liability.

39:02And you know what?

39:03A lot of people, they use their vehicles, you know, like because now, you know, you got Uber and Lyft.

39:09A lot of people use their vehicles for work, you know, for, yeah, work.

39:15I say work, you know, a person has a truck and, you know, because I know a lot of people

39:21say, oh, man, it's best to get a truck because you can make money with a truck.

39:25But when the truck break down, you can't make no money.

39:29Yeah.

39:29You know, and that's why I said to me, to me, it's both because of the fact is.

39:36I get it.

39:37Yeah.

39:38When it breaks down and, you know, you don't have no other transportation, then you got to save your money

39:49up to still pay the car note or truck note.

39:53But you also got to get it fixed.

39:56And the other, the other, and the, hey, trust me, the other bills don't stop just because your vehicle stopped.

40:04Now that we're on a vehicle situation, because I got a lot to say about this.

40:10This is what I have to say to the people who run out and buy brand new cars.

40:14Now, if you buy a car, it's up to you.

40:17If you want to buy a brand new car, it's up to you as well.

40:21But what I would have to say is that it's best if you pay it in full.

40:27There's no buy now, pay later, like what we're speaking about today.

40:30But for the people who go out and finance cars on top of cars and on top of cars, and

40:36you're basically accumulating consumer debt, this is what I have to say to that.

40:48Game over.

40:49Game over.

40:49You're already losing the game.

40:52Okay.

40:52Can I say something?

40:53I'm glad you said that because I know you remember the time I told you I went and paid cash

41:00for a vehicle.

41:02Well, my dad, I was with my dad, you know, my dad, you know, he worked for General Motors.

41:07So anywhere, anybody that sold General Motors, they got a discount.

41:10So we went to, we actually went to this dealership.

41:14It was a deal, you know, it was a legitimate dealership.

41:19And so then I wrote to check out.

41:23And, you know, the guy was all happy.

41:26He said, are you paying?

41:26I said, I'm paying cash, man.

41:28He said, okay.

41:29And it wasn't no brand new vehicle, but it was me and my dad, we test drove it.

41:34And he said, oh, this is pretty good.

41:36So when we got back to the dealership after test driving it, the owner came in and he said, no,

41:47I'm not accepting this cash out.

41:51He said, I need money every two weeks, just like that, or a month of it.

41:57He said, that's how I run my place.

41:59My dad said, okay.

42:01My dad said, okay.

42:02He said, I, you know, I retired from Oldsmobile, blah, blah, blah.

42:05And he said, I don't care.

42:07I don't accept that either.

42:08My dad said, okay, then you don't accept that.

42:11You don't accept our business or our money.

42:13Come on, let's go.

42:14Just like that.

42:16And you know what?

42:17A few years later, that dealership was no longer there.

42:22Yeah, because they were trying to get people stuck in the system, stuck on the game, stuck on that buy

42:28now, pay later, because they could stretch it out over a period of time.

42:32And then guess what happens?

42:34If you buy that used car stretched out over a period of time, we know full well that somebody owned

42:41it before.

42:42And if it's not brand new, there's going to be more wear and tear on it.

42:46And if the car breaks down midway through you paying them off, if you're already paying payments like that on

42:55a biweekly basis, they know that a lot of people do that when their credit is not where it needs

43:03to be and their financial situation is not where it needs to be.

43:06So you go back to them and you tell them your sad story and they say, oh, don't worry.

43:12We'll just roll it over into the next car.

43:15Yeah, you'll be fine.

43:17Just continue to keep paying me the money, you know, biweekly.

43:22And your payments might only go up $25 every time or $50 and you can drive it with a new

43:30car.

43:30And it just extends it in the same situation, keeps going on and on and on and on again.

43:35And then they got a customer literally for life.

43:39Exactly.

43:41Wow.

43:42But, you know, I and I always say this young lady, she she just is like this.

43:50She's you could tell that she's living from paycheck to paycheck by the way she's talking.

43:56And, you know, really, even if she was a millionaire, she would always have some time because she would have

44:03a bill because I'm quite sure she wouldn't be cleaning her own house or cutting her own grass.

44:09She would have maintenance people doing that for.

44:13Yeah.

44:14And, you know, she'll have vehicles and the vehicles will break down or they need they just need, you know,

44:21that that that six months maintenance.

44:24So.

44:26It's no way out of it because you can't live.

44:30Like I always said, my dad, the one taught me that he said, you can't live nowhere free.

44:35He said, when you find that place, he said, you come and get me.

44:43Don't tell nobody else.

44:45Just come and get me.

44:46And he said and he said, but and he and I always, I always spoke that to my boys.

44:52Hey, man.

44:54I said, no, man, you're going to pay some kind of way.

44:58Spiritually.

44:59You can't live nowhere free.

45:02You're going to pay spiritually, mentally, physically, financially or emotionally one type of way.

45:07Ain't nothing in life free.

45:09Exactly.

45:11Wow.

45:13And, you know, most people, you know, that's the sad part, because you have some of these people that want

45:20to live in a nice place.

45:21And if they stay there too long, then they start seeing the neighborhood breaking down and the neighborhood go to

45:32changing and they can't move out because of that.

45:43Oh, I know exactly what you mean now.

45:45Mm hmm.

45:46Mm hmm.

45:47Wow.

45:48Wow.

45:49This was deep.

45:49Um, I think I think we, uh, listen, we're not here to give any advice, but I think our conversation

45:58has definitely.

46:01Opal's ears.

46:03When it comes to buy now, pay later, when it comes to financing certain things.

46:10Um.

46:11Yeah, we can table this for another discussion, too, because.

46:16The car situation.

46:18And we could spend a whole hour talking about that, because what the.

46:22And the one thing I always say that if you say that you got a TV or you got furniture,

46:29pay it off.

46:30Don't get another bill for at least six months.

46:33That way, that payment that you were sending in for there, you can actually kind of like save that up

46:40for something else that you might need.

46:43And you'll have the money there.

46:45Mm hmm.

46:47That's some good, good information there.

46:50Hmm.

46:51Even though I didn't, I didn't use that.

46:53I didn't do it myself, but it's just something that, you know, learn.

46:58I've learned along the way.

47:02Yeah.

47:02I mean, this whole, uh, financial literacy thing, it's never ending and you learn something new every day.

47:11Yes.

47:12Yes.

47:12Learn something new every day.

47:14Huh.

47:16Well.

47:17Miss Renee.

47:19Uh.

47:21I'm sure you got something out of this.

47:23People out there listening, I'm sure you got something out of this.

47:26And for more information, if you want to know.

47:30Just please head on over to Laren Gaines dot com.

47:32You can sign up for that free 15 minute consultation and we could dig a little bit deeper when it

47:37comes to the debt free living.

47:40Now, Birdman, what do you have going on in your world this week?

47:47Oh, pretty much.

47:49It's a it's another quiet week.

47:51I worked on a video today from that.

47:56I shot down in Galveston.

47:58I'll be working on a few more Sunday.

48:02There's a there's a Zoom reading.

48:06No.

48:07No.

48:07OK.

48:08Saturday.

48:09There's a there's a Zoom reading out of Austin, which would be on Zoom, of course, poetry reading.

48:14And then Sunday afternoon, there's one out of West Palm Beach.

48:20And I'll be probably attending that and reading other than that.

48:25And, you know, I just I got everything done.

48:29I got I finally completed my book, even though I had to end up doing just like I did the

48:37last one.

48:37I had to end up doing the book cover myself, even though I paid for them to do it.

48:43Oh, I got it done.

48:46You know, I got it done.

48:48And I just sit back and said, I'm not going nowhere.

48:54I'm going to stay home and I'm going to work on this until.

48:58And, you know, I got it done.

49:01So, you know, I just that I don't have no copies yet.

49:05So I hope to be getting copies sometime in May.

49:09OK, OK.

49:11So, you know, I mean, hey, it's it's cool.

49:14You know, I'm I'm I'm done with that.

49:16But right, right, right.

49:18Now it's off to another project.

49:20I don't know what, but it's off to another one.

49:22Right.

49:24I know that's right.

49:27And you can find me.

49:29Oh, yeah.

49:29Go ahead.

49:30You know, you can find me on Amazon at Birdman three one three.

49:39Author, excuse me, Amazon slash author slash Birdman three one three.

49:44You can find me on Instagram Birdman three one three five five.

49:50You can find me on YouTube YouTube dot com slash author poet Birdman three one three five five.

50:00I told you about my my video that got accepted on Spotify.

50:06OK, I got another one.

50:10I think I mentioned it last week.

50:12It's on Spotify on the coffee, wine and words platform.

50:17Yes.

50:19OK.

50:20And other than that, I'm all right.

50:24That's what's up.

50:25That's what's up.

50:26Well, looking forward to the updates.

50:28I'm we going to talk about this every week until this book is out.

50:37Well, I know I got the notification.

50:39Well, I know I'll have my I'll have the copies.

50:42That's the end.

50:44Yeah.

50:45And then once I get my copies, then, you know, it can be released.

50:49I mean, because you know, you can't find it on on nowhere yet because, you know, it's still in in

50:58that motion.

50:58But right, right, right, right, right.

51:01OK.

51:02All right.

51:02Well, as always, I appreciate you for coming on and I'll be talking to you shortly.

51:09And yeah, we got to get out of here so we can pay our bills.

51:13So I appreciate you and take care and have a good night.

51:20I'll talk to you.

51:21OK, you do the same.

51:23All right.

51:24Take care now.

51:25Yeah.

51:37All right.

51:38Ladies and gentlemen, there you have it.

51:39That was author, poet, Birdman313.

51:43We could sit here and talk like this all night, but we only have a limited time here.

51:49But I want to say thank you all so much for joining in.

51:53This is our second episode on Kik.

51:57So you can check us out on Kik at Laring Gains.

52:04So that's Kik.com slash Laring Gains.

52:07I want to say thank you so much to the people who have tuned in so far.

52:14So first episode, we got a few views there.

52:18So tune in.

52:20If you want to watch the show on a different platform, just head on over to Kik.

52:23We're there.

52:245 a.m.

52:26Just like the other platforms.

52:28Facebook, I know you'll always hold me down.

52:30YouTube, you know.

52:32Thank you so much wherever you listen to.

52:34Spotify, Deezer, iHeartRadio.

52:38I appreciate each and every one of y'all.

52:40So thank you so much.

52:42And on that note, I will see you when I see you.

52:47Thank you all so much.

52:49Have a good night.

52:51Take care.

53:14Take care.

Borrowed Peace | DISC 6: Vitality | 411 Podcast🍾Reading Between The Wines (Episode 26)

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