Kristen Ambos: Hey everyone, and welcome to the Always On Point podcast here with Kristen Ambos. I am so excited for this one today, you guys. I have talked Myeshia into being here with me. Thank you so much for being here and being my, I won't say guinea pig, but being my real-life conversation.
Myeshia: Yes.
Kristen Ambos: Because I talk to you guys, and I have on a regular basis, about being a homeowner and what it takes, and anyone can do it, and those types of things. But the reality is, as I can talk to you about it... but I want to converse with you about it. And so, Myeshia is in her early 20s, she's got a great career in education started, and one of the things that happens right now in early ages is the media and everyone exploits how you have to be in your late 30s, early 40s to be an average first-time homebuyer right now. And that's just simply not true.
Kristen Ambos: I closed with a 20-year-old client two weeks ago, first home. You know, but his parents taught him how to ask the questions because financial literacy just isn't really taught in the schools anymore. It's coming back around, but it hasn't been. And so I said, "Myeshia, will you come have a real conversation with me about what you and your friends are talking about?"
Myeshia: Yeah.
Kristen Ambos: And, you know, you're now educated, you're in a career, and you're looking towards your future. Maybe not every day, but you're starting to think, "Okay, what does this look like for me? I'm a renter now. What does homeownership look like for me?" and those types of things. So, as being a, you know, in your early 20s, career-set, things going, starting to establish a foundation for yourself instead of, you know, where your family's at and things like that.
Myeshia: Yeah.
Kristen Ambos: What is one of the things that you question about getting to be a homeowner versus renting and those types of things? What are things that are conversed about with you and your friends?
Myeshia: I would say the big thing is when me and my friends talk about home buying...
Kristen Ambos: Yeah.
Myeshia: ...all we see is the giant, the big price. All you see is $400,000. And for me personally, I see that and I'm like, "Mm, too much. Sorry." Like...
Kristen Ambos: Yep. Too much. Yeah.
Myeshia: ...without even breaking it down to be like, "What is the mortgage?" Because realistically, like, mortgages are the same as what I'm paying for rent right now.
Kristen Ambos: Yes! Right.
Myeshia: Yeah.
Kristen Ambos: And you've heard that. And you've seen that. And, you know, it's something that we need to have the conversation about, and an open conversation. That's why I can't thank you enough for doing this because, you guys, this is real, this is raw. You know me, I don't script questions before these because I want them to be genuine.
Kristen Ambos: And you and your friends are asking the right questions, like, $400,000, that's an astronomical number to somebody like you. And I don't mean that rudely, right?
Myeshia: No, it's like, I see it, I'm like, "Actually, I'm not interested in buying a house now."
Kristen Ambos: So then, I'm guessing, you don't even ask any questions about it because you don't understand what that means. And I don't mean that in a negative way, I mean that as there's a fear factor there.
Myeshia: Yeah, it's the fear, fear of failure, basically. Because you see it and you're like, "Oh, I'm going to buy this house," but if something goes wrong, like, I have to pay for that. Versus, like, when you're renting, you just call someone, and that's just what's easier.
Kristen Ambos: Right. Yep. It's what's easier. It's the fear of the unknown. It's the fear of, do I, I'm committed now.
Myeshia: Yeah, that's a big one. Commitment, yeah.
Kristen Ambos: Right? And so when you're in your early stages, having that commitment is scary.
Myeshia: Scary. It's, honestly, 'cause you're like, "Well, then I'm here."
Kristen Ambos: Yep.
Myeshia: "I can't leave. I don't have a year lease." (laughs)
Kristen Ambos: Yes! And you always have, there's that way of having an out, right? When you're renting and things of that nature. And... I'm asking you this genuinely: Is it a fear of the money going into it? Like, of a down payment, or of making that monthly payment? Like, you had said that, you know, mortgage payments are about as much as my rent.
Myeshia: Yeah.
Kristen Ambos: So, if we're equal on rent and we just set that aside, because I hear that, and I will say in all fairness to you, I hear that from a lot of people. "Well, I know it's the same amount as my rent." So then that tells me, "Well, I'm not scared of the payment. I'm scared of everything else that goes with it."
Myeshia: Yeah. Uh, for sure. A lot, in the past, I've just known... even with like car buying. You just don't feel that the person's in it for your best interest.
Kristen Ambos: Yep.
Myeshia: For me, I, like, that's what I'll say is I'm scared like, "Oh, does this person really believe this is the best fit for me, or is it going to help them in some sort of way?"
Kristen Ambos: Yeah.
Myeshia: And so you're like, "Is this really the best value for my money?"
Kristen Ambos: Trust.
Myeshia: Trust. Trust is a huge thing.
Kristen Ambos: Trust. So, can I lean on that for a second?
Myeshia: Yeah.
Kristen Ambos: When you talk about trust and building that up, whether it's somebody that you're, like you said, you're purchasing a car from, or you're going to a bank for a loan for, or you're coming to myself to say, "Okay, I want to talk about a mortgage"... what earns your trust as being in your early 20s? Do you even know what that is yet? And I'm genuinely asking out of complete ignorance.
Kristen Ambos: I know what I felt like when I was in my early 20s, but in all fairness, when I bought my house at 23, I was in the mortgage business. So I had that trust. So I'm genuinely like interested in what you're saying because I came from a different background in that, right?
Myeshia: Right. Yeah, so I don't really have a specific like, "You do this and you get my trust," but some people I just like look at them and I'm like, "You are in this for me." And I don't know if it's how they dress, I don't know if it's their social media presence, I don't know specifically. But some people I'm like, "I could trust you on this because you seem you have like the best interest for me."
Kristen Ambos: Do you feel like you're a good read of people?
Myeshia: Yes.
Kristen Ambos: I know you are! But I wanted to ask you, so I know her personally as well. So, I feel like you're a really good read of people right away.
Myeshia: Yeah, 100%.
Kristen Ambos: So, a gut feeling.
Myeshia: Yeah, it's a gut feeling. And sometimes I'm like, "Hm, am I being too harsh?" Like... they've given me nothing to not trust them, but it's, I just, like you said, I read through people and I can tell their motives.
Kristen Ambos: But I like where you're going with this because I see so much online presence, right? So much social media presence. And I do watch a lot of TikToks from people like in the industry. I'll just write "first-time homebuyer" and I'll watch all the loan officers coming up.
Myeshia: Yeah.
Kristen Ambos: And I'm like, okay, what have they done to really make people understand?
Myeshia: Right.
Kristen Ambos: And I find that a lot of them want to be influencers...
Myeshia: Yeah.
Kristen Ambos: ...through being in mortgage, but they don't want to, and I'm struggling to say this I guess, but not struggling to say it, but how to say it right.
Myeshia: Right.
Kristen Ambos: They want to be influencers, they're using their profession to be influencers, instead of using their professional knowledge to gain the trust through influence. Does that make sense?
Myeshia: No, yeah, it does.
Kristen Ambos: Okay.
Myeshia: Yeah, 'cause that, like when you were saying that, I was like, that makes a lot of sense. Like you can see that it's, you know, staged to be like this perfect, easy... and like, they don't have the hard conversations.
Kristen Ambos: Right! So, if I'm a mortgage loan officer trying to earn the trust from you, is it meeting you where you're at? Is it educating you? Is it giving the ability to, like I say to my clients all the time: "I'd rather you ask me 3,000 questions and walk away knowing what you're, at least having a grasp of what you're talking about or what I'm talking about and your understanding, than you walking away going, 'What the heck did I just do?'"
Myeshia: Yeah. For sure. I think one to really, like, get my trust is to like be like, "Hey, like, this is what you have, this is what you're thinking, like, am I on the same page as you?" Like, making sure we agree with what I'm saying, or it's not like, "Oh, let's try..." Again, like, I know you need to be like, "Let's try different routes," but versus like asking versus like, "Let's try this route," or "What if we go for this?" Like, I don't like to be told what I should do. So I like to hear like my ideas and then take what you need to say with still incorporating my original thoughts.
Kristen Ambos: Ooh, I love what you just said there. "I don't want to be told what to do."
Myeshia: Yeah.
Kristen Ambos: And I find so many... and I think that that's, I think we're really hitting something extremely important...
Myeshia: Mm-hmm.
Kristen Ambos: ...is real estate agents, loan officers, insurance people who have been doing this long enough feel like, "Well, you should listen to me because I've been doing this for 25 years and I know what I'm talking about." And you're sitting back going, "But don't tell me what to do."
Myeshia: Actually, no. Because I don't want it...
Kristen Ambos: That's a turnoff.
Myeshia: Yeah. No. Now I can't trust you because to me it seems like you're just telling me what I need to hear for you to succeed.
Kristen Ambos: Yeah.
Myeshia: Yeah. Raw truth.
Kristen Ambos: I'm having an epiphany moment right now! Because I, but I love it!
Myeshia: Yeah.
Kristen Ambos: Because that's, and that's exactly why I wanted to do this. Because I could look at you right now and be like, "Oh Myeshia, I got you."
Myeshia: Right. Mm-hmm.
Kristen Ambos: And you'd be like, "Yeah, but what do you got... what do you got for me?"
Myeshia: Yeah, like what... what exactly? What does that mean? Are you sure I'm going to like it? (laughs)
Kristen Ambos: Yeah! Or are you sure it's for me? Or, you know... and I think we're just coming out of, you know, a 10-year... you know, people who are about 10 years older than you who are like, "Well, I want what they have, and you need to get me what they have. And if you can't give me what they have, I'll go find somebody that has done it." They've put themselves in some really poor financial situations by chasing what other people have.
Myeshia: Yeah.
Kristen Ambos: And I feel like right now, your generation is not chasing what people have, but wanting to do it in a way that you feel is right for you.
Myeshia: Yeah, I know my friend, I mean, there's a bunch of different 20-year-olds out there...
Kristen Ambos: Yep.
Myeshia: ...but my friend group, we want to do it... I wouldn't say the traditional way, but we want to do it, we want to do it in our own way. And so, even when it, not even just home buying, but like kids. Like people having kids younger and their parents didn't. So our generation, I think, is definitely making our own path the way we feel most...
Kristen Ambos: You're not lying. All of that. Because I am seeing it, a lot of younger people now having kids again. That's probably been 40 or 50 years since that happened, right? So it's, everything's cyclical. So we're having kids younger, we're starting out younger, and I think some of that is because they've been told, "Well, you can't do this till you're 40 anyway." So they're like, "Well, I'm not waiting till then to have, I can't wait till I'm a homeowner at 40 to start having kids, so I may as well start having them now..."
Myeshia: Right.
Kristen Ambos: "...and figuring it out as I go." Right?
Myeshia: Yeah. And I think a big thing is a lot of my personal friends, they don't want to... you know, different home types.
Kristen Ambos: Yep.
Myeshia: Different generations are like suburbs, and then my close friends...
Kristen Ambos: Yep.
Myeshia: ...were like, land. Land, open land, custom build, make it ours.
Kristen Ambos: Yep.
Myeshia: And I love that. That's what, like that's the goal one day.
Kristen Ambos: I love that too, for you! And so there's a couple different routes you can go there. You can buy slow and move up till you get there, or you can, you know, get that advice of how to become financially solvent enough to wait till you do that. Either one are job security.
Myeshia: Mm-hmm.
Kristen Ambos: Right? Like I always jokingly say that. Like, I don't mind helping you now, because I'm going to be in this business for a really long time. And so if I can help you now, that's job security for me later. I'm not that loan officer that's like, "I'm not going to work with you now because you're not going to buy anything for 10 years, so it's a waste of my time."
Myeshia: Take your time, yeah.
Kristen Ambos: No! I want to make sure we're doing it to what you need to do.
Myeshia: And I think that's also a big thing in their 20s, 'cause for me, like, I'm not set on buying a house, but there's that interest. And not a lot of people know like, "Hey, you can reach out even though you're not buying a house next week." We'll support you, and that's also where there's like the bridge between, you know, home buying 'cause we feel, hypothetically... (laughs) ...we feel we can't ask those questions now 'cause we're not ready right now.
Kristen Ambos: 'Cause you're not ready right now. Yeah. So, I'm going to ask you then: What are some things you think professionals like myself can do to help you get ready? To help let you know that we can help you get ready? Um, because maybe we don't know how to ask.
Myeshia: Right. It goes both ways.
Kristen Ambos: It goes both ways.
Myeshia: I would say for me personally, I do a lot of social media.
Kristen Ambos: Okay. Yep. Now, I want you to, is it fair to assume that most people your age have a lot of social media going on?
Myeshia: 100%.
Kristen Ambos: Okay.
Myeshia: Yeah. Especially TikTok.
Kristen Ambos: Yeah. Okay.
Myeshia: I would say like, videos! You know, like, "Hey, are you interested in like buying a house, but don't know how?" Or like little clips. Little videos to be like, "Hey, here's the steps you can take now to prepare yourself for 5 years."
Kristen Ambos: Yeah.
Myeshia: Because a lot of the clips we see is like POV of buying a house now.
Kristen Ambos: Yep.
Myeshia: So little POV videos about what it could look like now for you if you're not interested for another couple years.
Kristen Ambos: Love that.
Myeshia: Yeah, yeah. 'Cause then you're like, "Oh, so I can reach out now."
Kristen Ambos: Right. And leaving that door open. Do you guys feel as though that door's closed to you a lot because of the economy right now?
Myeshia: I think so. I think it would be the economy and prices skyrocketing, all that kind of thing. And without like researching it, we kind of just see the headlines and we're like, "Yeah, we can't afford that."
Kristen Ambos: Yep.
Myeshia: "But we can." (laughs)
Kristen Ambos: Yes! Well, that's, and that's exactly why I find this finance, I find this fascinating.
Myeshia: Yeah.
Kristen Ambos: Is because I could sit down with you today, and I'm just using this as an example, and educate you and put you in a position where you feel like you can buy this year, next year. I believe that. Also because I know you.
Kristen Ambos: But at the same time, I feel like so many people don't know that. Maybe they just don't want to yet, and that's okay too. But that doesn't mean they're not interested. Right? But they might not love everything.
Kristen Ambos: So, you know, just assuming social media: So you're reading it, you're listening to, well, reading it, but listening to it, seeing it, absorbing it. You may not like, you may not comment, but that doesn't mean that it's not there.
Myeshia: Yeah, I actually don't comment 'cause I don't, I don't know, I don't want to like... I don't want people to see like, "Hey, I'm asking this question." I'd rather do it behind closed doors and just be like, "Look what I did!"
Kristen Ambos: Yeah.
Myeshia: And I also fear that loan officers... it's kind of like, do they even want to have this conversation with a 23-year-old?
Kristen Ambos: Yep.
Myeshia: And that's also like a fear too, like, will they take me seriously? Because again, different generations have different beliefs of when you should home buy.
Kristen Ambos: When you should, yeah.
Myeshia: And so it's the fear of, you're 23, like, you don't, you don't know if you want to buy a house forever. So it's like that fear of both ways.
Kristen Ambos: And if I put my, if I take 46-year-old Kristen and put her back in 23-year-old Kristen... I did buy the house, but it doesn't mean that I wasn't having those same feelings of who can I trust, who can I not trust, you know, in other aspects of my life. Take it back to, like you said, buying a vehicle. Are they really out to help you, or are they really looking out for your best interest? At the end of the day, we're all selling something. Right?
Myeshia: Mm-hmm.
Kristen Ambos: And I've always said in my career, if I, I don't feel like I'm selling anything, because I love the educational piece. And as an educator, I feel like you probably understand that, where I'm like, if I just educate them, it'll come. And that's how it worked for me. A lot of people don't think I've been doing this for 25 years; they think I just came up and about the last 10. But the reality was, is I was doing it maybe the longer way, the, you know, a different way. But then my career kicked off, because I never gave up on that educational piece.
Myeshia: Yeah. Like, I am totally okay people selling me things, but I don't want it to feel like a sale.
Kristen Ambos: Yep.
Myeshia: I want it to be like, you know, good friends like help supporting each other.
Kristen Ambos: Yes, we support each other.
Myeshia: Yeah. And so that's always... I'm like asking the dumb questions. I'm asking the in-depth to make the other person think, because their response will help me be like, "Okay, I do trust you. This is not... so."
Kristen Ambos: Which is so astronomically important. It's trust.
Myeshia: Mm-hmm.
Kristen Ambos: And I feel like that's so, so much of this. So if I ask you, or if I say to you, what's one question you wish that you could ask somebody right now in this particular like, obviously homeownership...
Myeshia: Right.
Kristen Ambos: ...but if there was one thing you could ask to make that happen right now, what would that question be?
Myeshia: You see it a lot: pros and cons. Renting versus buying.
Kristen Ambos: Yep.
Myeshia: I just need like the pros and cons of what it would look like now. You see these videos where it's like, "Oh, if you make this much..." Those are helpful, right? 'Cause we might be in that career.
Kristen Ambos: Yep.
Myeshia: But it'd also be cool to sit, like ask you like, "Hey, can you, as an older person who's been in their 20s, like, can you help me fix my mindset to be like, yes, renting's easier, but home buying is more rewarding, X, Y, and Z?" Kind of like a pros and cons list for ages versus money.
Kristen Ambos: Yeah. Which, I love that! Because I do think that that's a big piece of what's missing, you know, in working too much to be an influencer versus the education, like we've said over and over again. And so, yeah, there is absolutely a position to rent. And I will never rent-shame somebody because homeownership at this moment is not right for everybody, right?
Kristen Ambos: Some of it is financial, some of it is, you know, "What's it going to take for me to get there?" A lot of times when I say, "Okay, Myeshia, for $10,000 I could get you into a house," you'd be like... "Well, that's it?"
Myeshia: Yeah. I mean...
Kristen Ambos: "That's really all I need?" And the thing about homeownership is you're absolutely correct in the fact that you're taking on more of a commitment. You're taking on: if something breaks, you need to get help and things to that nature. You are. And some people aren't ready for that. Or some people don't have the additional cash flow to be able to cover those things if they go wrong. Fair enough, and I totally get that.
Kristen Ambos: If you do, then homeownership, the pro to it is the longevity. And the $10,000 you put down into that house is going to be yours when you go to sell it later on. So I say to people, when you buy, think of that monthly payment as a savings account, 'cause every dollar you pay is, you're paying down the mortgage, you're paying down the loan, but you're also adding appreciation. So that's your savings account to use for the next one, so that you don't feel like you have to put 20% down on the first one, and then come up with another 20% down on the second one, and then another one on the third one.
Myeshia: I think that's where the communication gets lost.
Kristen Ambos: Yes!
Myeshia: Because I see that and I'm like, "Hm, what does that mean?" And you're not going to reach out because, again, the fear of they're not going to take you seriously 'cause you're not 100% set. So then you just keep scrolling, because you're like, "Well... don't have that right now. What does that mean?"
Kristen Ambos: What does that mean? And you just don't understand what the mean is.
Myeshia: Yeah, you don't understand and you're afraid to ask.
Kristen Ambos: Yep. And I think the layman's terms in there is: Think of that payment and ownership as being your savings account for later.
Myeshia: Yeah. Which...
Kristen Ambos: That's exactly what that means. You're building a savings account for your future self to whatever you want to buy, to buy that land, to then utilize to build the house of your dreams by taking stepping stones to get there.
Kristen Ambos: The pros of renting are if you are busy and you don't want to deal with the little things, or you just financially are not quite there. You know, everybody's got a different perception of their own finances and where they need to be. Some people are super set and feel like they have journeys to go.
Myeshia: Yeah.
Kristen Ambos: Some people think they're really set, and I look at their credit and I'm like, "Oh boy, we got a lot of work to do. You're not really set at all right now." I've never said, "You're not set, you're never going to be set." It's just a matter of putting it into perspective.
Myeshia: I think for me, like my point of view, is I can't decide if I want to buy like a move-in ready house, how it is...
Kristen Ambos: Yep.
Myeshia: ...or like a house I can renovate.
Kristen Ambos: Yep.
Myeshia: As you know me personally, like, I think those are amazing! So it's like, do I want a mortgage on something that's good, set, or do I want a mortgage on... I'm going to have to put in more work. And that's where I'm like, I don't know which one, because this is custom...
Kristen Ambos: Yep.
Myeshia: ...this is ready for me right now.
Kristen Ambos: Yep. The pro and con to both. The pro to buying... it looks pretty and I don't have to put any work in, is if you're not mechanically inclined and you don't know anyone that is, right? So then that becomes the easier, more settling way to do it. The con is, is you're probably going to overpay for that house. You know, or not overpay, but the appreciation isn't going to be as plentiful. Right?
Myeshia: Yep. Yeah.
Kristen Ambos: The con to buying the renovation home is you're going to have to put in the sweat.
Myeshia: The sweat, yeah.
Kristen Ambos: The pro is that you get that sweat equity back. So you take your $10,000 and now maybe it's worth $30,000 or $40,000. You way-advanced that equity position and that savings account by sweat instead of money. So that's the pro. So, pros and cons to both.
Myeshia: Yeah.
Kristen Ambos: Maybe we need to have another podcast where we just talk about pros and cons to all of this. I think we do!
Myeshia: I would love... I would love that. Yeah.
Kristen Ambos: I think we do! If you want to listen to more of that, drop that comment in the bottom, because I feel like this pro and con thing could really go somewhere.
Myeshia: That's all I, I just need it. I just need to be like, I need you to tell me all the pros and all the cons. Not just the pros. I need to weigh them out myself.
Kristen Ambos: Yes. Yes! And, the pro to con... you know, let's just say pro to con to interest rate, because that's a big topic right now, too.
Myeshia: Yeah.
Kristen Ambos: The con to buying right now is you feel like interest rates are higher. The pro is, is that what if they just keep going up? Then you have a lower interest rate, right? Because it's the unknown.
Myeshia: I don't like the unknown. (laughs)
Kristen Ambos: It's the fear of the unknown! Yeah, but if you lock it in now, you could potentially refinance to get lower. I never say "always," because we don't know what "always" is, right?
Kristen Ambos: Um, the... you know, so that's the pro and the con to the interest rate. Closing costs: Closing costs cost a lot.
Myeshia: Yeah.
Kristen Ambos: The pro to buying now is because the likelihood of costs just continuing to go up are there.
Myeshia: It's actually very interesting to look on, you know, housing websites and see like what so-and-so bought it for in 2019 versus what's going now. I love looking at that.
Kristen Ambos: Yes!
Myeshia: Because what is making... like, you know what I mean? Breaking it down to see...
Kristen Ambos: What's breaking it down and what worked, what didn't?
Myeshia: What's making this go up? What's making it go down? I need to know all the negatives. Like, I don't want to be sugarcoated, I just want like, "Hey, you can buy this, but... da-da-da-da-da."
Kristen Ambos: Got it. Yeah.
Myeshia: I love to know everything.
Kristen Ambos: Thank you! Because I think sometimes the negatives are positives.
Myeshia: Right, totally.
Kristen Ambos: We don't have to look at it all the time as negative. I get a lot of, I get some haters on TikTok who are like, "Absolutely not." And Taylor Miller, who runs Miller Highlights and helps me with it, will send me a snapshot and she'll be like, "Oh boy, hater alert!" (laughs) But I also love that because it's like, that's just your one observation of it. What about this, and this, and this? And then that gets me a way to be engaging with them, if you will, to point out other options, because maybe that's all they've been told.
Myeshia: Yeah.
Kristen Ambos: So when we have haters, we can actually potentially turn them into lovers by explaining things...
Myeshia: Yeah, just going the extra mile.
Kristen Ambos: ...right? And turning, "Yes, this looks..." excuse me, "...like a negative, but we can turn it into a positive if you just understand."
Myeshia: Yeah, or you're willing to.
Kristen Ambos: Or you're willing to understand. That's a big part, too. You've got to be willing to.
Kristen Ambos: Thank you so much for having this open conversation with me!
Myeshia: Which, I could keep going! (laughs)
Kristen Ambos: Oh gosh, me too!
Myeshia: I just love to know everything, and I don't want to be told like, "Hey, you need to buy a house by this time." I want to go my own route, and whatever that's going to look like.
Kristen Ambos: Yes. And she's an educator, she's not in the housing industry, she is straight young 20s, boots on the ground, walking the streets, which is why I wanted to have you on. Somebody completely from outside of the industry to tell us exactly how it is.
Myeshia: Yeah, like I said, I couldn't tell you what the percent meant or like, little details like that. So I appreciate it.
Kristen Ambos: Thank you!
Myeshia: Yeah!
Kristen Ambos: Thank you for being here today, and thank you for all those who are listening. And if you are like Myeshia and you want more information, you have more questions, drop them below! Because that really helps, and there's not a question that... if you feel like it's too dumb to ask, but I get what Myeshia said, like maybe you don't want other people to see... DM me!
Kristen Ambos: Please, we answer them, we see them. If I don't answer for a day, I'm sorry, I'm considered the old lady now, it might take me a day to get back, but I will always get back. (laughs) On all the things!
Kristen Ambos: But thank you for listening! Share with somebody you know, like, subscribe. We drop these every Wednesday, and we will definitely have Myeshia back, because I feel like there's so much here that we need to keep exploring and sharing to understand and present. So...
Myeshia: Because I can! I'm not afraid to ask you these questions.
Kristen Ambos: And that's what I love!
Myeshia: Like you're not scary! (laughs)
Kristen Ambos: No! Good!
Myeshia: But if I saw like, you know, someone else, I'd be like, "Oh, I don't know what to ask you." But like, you're so real, and you give the truth.
Kristen Ambos: Thank you! Thank you, that's always been the goal.
Myeshia: Yeah.
Kristen Ambos: So, nothing else, Myeshia just covered it for me, so thank you for that! Love having you here, it's because of you listening why we keep doing this, so bring it on! And we will see you next week on the Always On Point podcast here with Kristen Ambos.
