Erin

Erin.

I wanted to jump in and just kind of summarize what I've heard over the last 45-ish minutes. The conversation revolved prominently around an assumption that communities are eager to be engaged with this plan. And a thought that comes to mind is communities who are not eager to jump on with this plan or are reluctant to jump onto this plan.

And I just wonder if either of you had anything to say to our listeners in general about engaging in this plan or if you had any thoughts or ideas about how to get those reluctant communities engaged with this plan and on board with it.

I don't have any knowledge of Secretary Hegseth's personal habits.

Well, I would agree with you that that number is a concern if it is accurate. I do believe that we need to have journalists who represent the full breadth of the American society so that we can report well for all Americans.

I believe that I tweeted that, and as I've said earlier, I believe much of my thinking has evolved over the last half decade.

I don't recall the exact context, sir, so I wouldn't be able to say.

I don't believe that, sir.

I don't think I've ever read that book, sir.

Apologies, I don't recall that I did. Okay. I have no doubt that your tweet there is correct, but I don't recall that.

I think I was probably reflecting on what it was to grow up in an environment where I had lots of advantages.

Is NPR biased? Congressman, I have never seen any instance of political bias determining editorial decisions, no.

I am not presuming such. I just don't have, we don't track that information about our journalists. 87 to zero, and you're not biased? I think that is concerning if those numbers are accurate.

Congressman, I appreciate the opportunity to address this. I regret those tweets. I would not tweet them again today. They represented a time where I was reflecting on something that I believe that the president had said rather than who he is. I don't presume that anyone is a racist.

I don't start by presuming anyone is a racist.

Our current editorial leadership believes that that was a mistake, as do I. Yeah, the whole country knows that was a mistake.

Hi, my name is Erin. I'm a college student. College is woke now. So what would you say to me as trying to represent who I am, just like you guys do every day?

You have a beautiful, mellifluous voice. I meant college is woke, and I want to pursue what I love, just like you guys do. What do you do when you have that thought in your head? It's like, pause. I need to keep doing what I love to do.

Hi, Dr. John. How are you?

I'm doing pretty good. So my question is, how do I look forward to having kids? So more specifically, I'm 26. I've been married for about three and a half years. And I've watched my friends, lots of my friends, have their first and second babies, and it just does not look fun.

That's just what I don't like. I mean, looking at my situation specifically, like, I have overbearing in-laws. I've battled insecurities with my body all my life. I just graduated with my master's and I'm just so excited for my career. And like you said, it's a terrible investment. And everything that goes into having a baby just feels like an uphill battle. And I'm just dreading it.

I'm dreading it.

I'm 26.

Accounting.

I just recently also passed the CPA exam.

A big firm, big public firm.

Yeah.

Uh, I mean, I also grew up in the church and you know, like every girl's dream is to be a mom.

Yeah, I mean, the only thing I can hold on to is like, you know, with being a Christian, you need to get married, you need to have kids, so then you can carry on Christianity through the earth. And that's what we're called to do. We're called to be fruitful and multiply and carry on Christianity. And I come from a great family, and my husband's family is great.

I want, like, when I picture life, I picture when they're 16, when they're 20, when they're adults. But I don't picture, I can't see... I mean, I see awful me doing awful things when they're, you know, a week old screaming in the middle of the night, they've been fed, they've been changed.

They've been everything, every need they have has been taken care of, but they won't stop crying in the middle of the night. And I'm, you know, sleep deprived and exhausted and, you know, and I understand that like, you're never going to be sleep deprived until like truly sleep deprived until you've cared for a baby. Like, so yeah, I just, that part of their life, I can't.

And it's the very first part. It's the very beginning. And it's years. So it's just hard mentally to like get past or be okay with.

I can accept when they're 16 and they're being a brat. Like I can handle that. I know I can. I can learn how to do it.

Yeah.

Can we walk through some of those? Solutions, I guess. I just don't know what they are, I guess.

Not today, but yes.

Um, yes. Um, And my mom, she worked. She's a nurse. She worked when we were little. And yeah, they say it's a terrible investment, but it's worth it.

Yeah. Yeah. And a lot of women at the church we go to, stay home and they don't have careers they you know and because that's their dream that is their career being a mom and that's what they love to do but I just it's not been my dream it's not my dream okay so I want you I want here's your here's your homework assignment okay for your whole life you've been listening to other people's shoulds

Yeah.

Hi, my name is Erin. I'm a college student. College is woke now. So what would you say to me as trying to represent who I am, just like you guys do every day?

I meant college is woke, and I want to pursue what I love, just like you guys do. What do you do when you have that thought in your head? It's like, pause. I need to keep doing what I love to do.

I had a very good meal at Hatay the other day, the new Turkish restaurant. And I would say very impressed. Good portions, great food. definitely recommend to go there. I had chicken shish and flatbreads and it was lovely.

So I volunteer at, it's not actually Rygate, but it is Red Hill at St Matthew's Food Bank and have been there for three years. Work with a great team of people and we help a lot of the surrounding, well, just Red Hill actually, but it's a really nice place to work.

You know, we get donations coming through, we do food parcels for people, we have regular people coming and it's just, it's a lovely atmosphere and I love working with the people that I work with.

Now, I'd say it would be the Reigate Christmas Fair. I've actually done that fair now for the last couple of years, and it is lovely. Everyone comes out. It is incredibly busy, but everyone's really supportive of Reigate, and they all come out in their hordes and with the kids, and it's great. It's a good shopping day. It's good fun. There's good food, good drinks, and lots of great places to buy.

My name's Catherine. I'm from Reigate.

Probably would be to Reigate nails. To go and get my nails done because they are very good and they last. Oh, they do SNS, which is a gel that they put onto your nails and it's very good and they have a good range of colours. They are just on West Street, just up from Rygate High Street.

There's a bridge in Brockham that actually is really nice. So you walk down from Brockham Green and you can walk the dogs down and that is actually quite good to play poo sticks as well.

I do like St Mary's Church in Reigate, because my children used to go to school opposite, so we used to spend a lot of time there. It's a beautiful church inside, and the carol services were always very good.

Okay, yeah, that would be at the top of Reigate Hill. So if you park at the Junction 8 car park and walk across the top of the hill, It's got views right the way from probably as far from Red Hill up to Leith Hill and across and up past Dorking. I think as soon as you've come out onto the open part of the hill where the monument is, it's a really lovely view from there.

I would say Priory Park. We've got the white albino squirrel that I've never actually seen. I've seen photos of it, but I've never seen it. And also the pond there. There's a lot of swans and geese and ducks down there, so I'd say there.

Oh, it went really well. We got a PB. Yeah, we took off a minute, which was really good.

The really steep hill towards sort of the midpoint, yeah, that was hard. But we pushed through it, and I'm really proud of us, actually, yeah.

The Lucy Rayner Foundation. We wanted to support people who are going through mental health. So I think we've raised about 20 hours of counselling for them. So yeah, we're really happy.

Hi, good afternoon. Thanks for having me.

Hey, I am getting involved in my mom's estate. She's 74 years old. Um, and her husband is 77 years old. They are both retired and they live on a income between social security and retirement of about $47,000 a year. My mom had inherited from her sister on a payable upon death account. Um, um, a fairly decent amount of money that she spent like within a month before.

Um, a family member contested the will and 10 years later, my mom is being forced to pay that, um, money back to the tune of $160,000. And I, my mom is not in the, they own their house free and clear, but, um, I'm not sure exactly, um, how to navigate this next step. They're charging her with embezzlement because she has not paid this money back. Um, so she can either go to jail, um, or.

somehow if we can come up with some solvable financial plan. So she's in credit card debt to the tune of about $125,000, so she does not qualify to put a loan against her house, which is probably around $250,000 value.

Yeah, exactly.

Well, according to the courts and the lawyers that we've had, which I'm not saying they were quality lawyers at this point. I mean, it's just been in the court system for 10 years that it's just been back and forth between...

that lawyer, and this is my aunt's estate, and when she died, she didn't... The lawyer that designed her will three months prior to her passing from cancer was... He left her husband completely out of the will, didn't acknowledge him, didn't recognize him. So that's why part of this reclaimable estate comes into play because they were married over 15 years. So he's entitled to 50% of her

um, reclaimable state, which she had left the house to my mom also, um, with her daughter. So they're co-owners on that house.

He's living there. He's living there.

Correct.

Well, we offered to give him the house in exchange because he's lived there all these years, but he doesn't want the house because he's in the early stages of dementia and his family just wants the money.

Well, the other person that owns the house isn't on board to sell the house. My aunt had given... When she wrote in the deed, like, she gave us a dollar amount. Like, if we wanted to buy each other out, this would be the dollar amount. So I presented that offer to the other owner and said, hey, you know, I'll buy you out. And she's like, I don't want to sell. And I'm like, okay, what do I do now?

Then the lawyer says that I have to do a partition lawsuit in order to force the sale, which kind of goes to public auction instead of market. So you get half the price of what you would if you actually sold on the market. No, not necessarily.

Okay. So I know that that's an option.

No, she was of sound mind. He doesn't read or he doesn't write. And she was afraid that his family would take advantage of him because they've always just been like that. So she put my mom in charge so that my mom would always make sure that he had a place to live, the taxes and insurance were always paid, and yada, yada, yada. So that was the ultimate plan.

But, of course, we can't talk to him or anything because of this case that's been happening.

Around $250. Okay.

Well, they live in Ohio, so I wasn't sure that I don't – My lawyer's checking in to see what those laws are, if they can force that sale or that lien on that sale.

Right, but yeah, that's what I'm saying. It's in Ohio, this property, and this same thing is happening in West Virginia.

Correct. Yes.

Yes.

I'm sure.

So, um, that's what our, we went from a, our paid because he doesn't do our paid lawyer. He doesn't do criminal law. Um, And, again, it's my uncle's family that's forcing the state to file these charges against her.

Yeah, okay. It's the FBI.

Well, that's what we don't understand, the embezzlement charges, because technically she was entitled to this money. That's what I mean. I don't understand them either.

I am looking for a little advice on building my retirement starting at 42 years old.

Basically, I just don't really know where to begin. There's so much information out there and where to get started. And I don't have any support at work as far as 401ks or Roth IRAs or anything like that.

I'm a nanny and a house manager for a celebrity up here.

$170,000.

$1099.

I'm a W-2 employee. Yeah. It's a massive, they have a pretty massive network. So I'm one of probably 300 employees. Okay.

I do have health insurance, yes. I just don't have the savings account.

The combination of those two things, the backdoor Roth and the 15% will get me to the finish line in retirement.

42?

There's lots of money to be made up here. So as long as I'm healthy and strong, I can do it.

42.

Nothing. I'm starting at zero right now.

Right.

Yes.

Okay.

Hi, Ken and George. Thanks for taking my call.

So I have a question regarding my student loans. They're serviced by Mojila and they're being mismanaged by Mojila. They're still occurring interest when they should be at 0%. And so I'm just curious if I continue to fight the battle with them to get the interest correct and reapply all these payments that they've been splitting between interest and principal.

I go ahead and just, I have two loans with them and I'm in a position to pay off one of the loans today. So if I just go ahead and pay that off and just continue the interest battle on the other loan sequence.

Yes, I have letters from Mojila dated back to July that say I'm on 0% while the loans are in the courthouse because I'm on the safe repayment plan.

And so I will be at 0% until that court case is finalized, which currently my account states I'm in administrative forbearance until April 30th of 2025. So I've continued to make payments because 0% means 100% of my payment then goes to principal. But that's not what Mojila is doing.

The highest I can get is somebody that's, quote, an advanced agent in their resolution team. I have talked to somebody in that department probably six times. Same person? Every time I call. No, I get a different person every time. And what's the answer?

They say, oh, yes, we see that, and we'll get this six and seven to ten days. And this has literally been going on since July.

Total between the two loans to date, it's $1,800.

That's my thing. I'm on the phone at least two to three hours every time I call between, like, hold times and actually speaking with someone.

Yeah, I... Yeah. Unfortunately, I'm not in a position to pay off the second one. It's just under $60,000, but I am in a position to pay off the smaller one.

They are doing the same thing. See, you've got to fix that. Every time I call, I'm fighting them about both of them.

Currently, yes. Currently, I actually don't have to make any payments. So what I have been doing is setting money aside into my high interest savings account until I got to a position to A, either the loans were going to come out of the 0%, and then I would dump everything on the principal, or until I had enough in the savings to pay off the loan in full.

Because that's coming directly from Mojiva, because they're telling me every time I make a payment, they're... It's a consolidated loan. So they look at those loans as being one loan, even though they're two separate, like subsidized versus unsubsidized. So they'll proportionately split my payment.

Nope. They tell me I can, but on their website, I cannot. And if I call to ask them to do that, it is still the same system. Like, this Mojito system is broken.

Okay, so even though they're going to continue to make the payment applied to principal and interest?

I take their name and ID number.

I'm in Denver. Go to the local media.

I've contacted legislators and the Colorado Attorney General's office.

They're worthless. I would go social media, and I would publish it all, and I'd go to the news.

You guys, Jens, get a little Pittsburgh in there.

Yeah.

I think she was definitely a kid.

I think that was proven. No, we know that for sure.

Well, she was. He was childhood trauma. She was love, he was childhood trauma. He loved her. He loved her.

Ich weiß nicht. Gehst du zurück zum Hotel, in dem du einen Mann verletzt hast, nachdem du einen Mann verletzt hast?

And he had to eat breakfast.

Yeah, he wanted the real thing.

He's also an Aquarius. I was going to say Taurus.

Er hat ein bisschen von beidem. Ich denke, es geht weniger darum, eine kräftige Haarlinie zu machen oder einen kräftigen Spot sexy zu machen. Und ich denke, es ist nur Walton Goggins absoluter Charisma und Vertrauen und Charme. Genau.

Ich denke, Turkey ist okay. Ich denke, Turkey ist okay.

Habt ihr jemals gehört von r slash bald? Es ist ein Reddit-Thread von Männern. Es ist der höchste Reddit-Thread, den ich jemals gesehen habe.

Ja, es ist wie, du siehst so gut aus, Alter. Das ist großartig. Es ist wie baldige Leute, die Bilder posten. Ein Freund hat mir darüber gesprochen.

If you guys are struggling, r slash bald, it's a beautiful community.

It's definitely part, well, what Mike White has done correctly as the creator of White Lotus is understanding how to bring the best people for the job into the scene.

Es ist auch interessant, weil es sehr üblich ist, dass solche Dinge passieren. Manchmal, wie bei kreativen Partnerschaften, klickst du einfach nicht mit Leuten. Und dann funktioniert es nicht. Und du gehst für kreative Unterschiede. Aber eine ganze Presse-Tour zu gehen, ist eine Wahl.

Parker Posey also forgot who died.

It sounded real natural. I feel like y'all is Midwest. Y'all can be Midwest culture. Y'all is not Midwest.

I guess, yeah, you guys is very, I guess like the southern part of the Midwest, like Missouri.

Hi, Peter. My name is Erin, and I'm calling from Hamburg, New York.

It is about 20 minutes south of Buffalo and not far from where the Bills Stadium is. Oh, really? We're under about two to three feet of snow at the moment.

Yeah, we're just playing to the stereotype and loving every minute.

Congratulations. Bye-bye. Thank you for having me, and happy holidays to all.

So Brynn's like, yeah, but then at your birthday too, you had like a photographer. Like what? Who has a photographer at your birthday?

what are you talking about? Well, it just feels that way. And Rebecca's like, well, I think that Jessel's completely fucking right.

I just think it's like one thing about our friendship is that you've always been like, you've been like irritated about is like everything that's like related to photography.

She's like, no, I can't. I can't. I can't.

I'm like, I don't know. I like interrogative statements. I enjoy questions. I'm a curious person. And she's mad at everyone who disagrees with her.

You're saying I slept with somebody to get on this show? You know, I think it's the most disgusting thing you can say to someone.

Yeah, that's disgusting.

Yeah, well, you know, yesterday Brynn and Aaron started talking about Jessel and Brynn. Brynn was basically like, Jessel's changed so much over the year. Like, you can't ever hang out with her. So without Jessel, you know, trying to control her image, it's hard to hang out with her.

Well, you know what? We were briefly talking about it yesterday, and she feels like over the last year, you just changed as a person.

So she's like, yeah, maybe that's why I just feel closer to Aaron. So I was like, oh my God, that was shady. Brynn's like, it's just a lot of photography. The birthday thing was a lot.

You know, she's like, yeah, she's like, he's the love of my life. He's the only one. Yeah.

jessel was like yeah he's just like a really hot african-american guy and like uba and i lost our mind and we're like tell us more jessel and the producer says so who is this guy she's like i don't know i can't find him and you know that she's tried she has definitely tried definitely

So, Brenda's like, I mean, how would it feel to say to the person you're married to right now, Dave, Abe, like, if you were, like, deep down, if you knew, like, deep down the love of your life was, like, with someone else? You guys, like, maybe want to, like, all of your marriages get ruined?

Yeah. Then Brynn tells us, Aaron and Sai and I used to have this like little clique. And I think it's just like shit that we'd like bond over. Like, let's make fun of Jessel. But like, I think we wanted to have our little group back. And like, I miss having fun with him and like talking shit with him.

Yeah, like, I call you guys, and you're like, Dave's going down on me. And then, like, you're, like, trying to do, like, a partnership agreement, and then, like, I call your house, Aaron, in the Hamptons, and you're like, guys, I just fucked in the pantry. I'm out.

But she's like, you know, I've gotten to a place with Yessel that I'm really happy with. And I don't know if she understands it or... realizes that I'm ignoring her husband because we won't discuss it. Her husband's like, but like, if Povit's in the room, I just act like he's not there. You know, my ignoring game is top tier.

She goes, yeah, I did say it's okay, babe. And like I went up to her and I said, you take a really long time to take photos. So I'm going to go next because I have to get home to my dog because I have a puppy and she's going to pee in the house when she's alone.

I found you accepted.

If she asked me to Netflix and chill, I don't know. Is there going to be like a French hangover there? And is he single? She goes, I mean, well, Jessel has had a different face and different teeth. And she's like, more chill. Way more chill. Sorry, I said it. It's the truth.