Show Notes
Guess who’s got a boyfriend & a new car! In this episode, we rave about buying cars with Carvana, Poshmark side hustles, whether or not it’s worth trying to keep up with the latest finance news, and our travel plans near & far as COVID vaccines start rolling out in United States.
Coffee Date episodes are more casual, meandering conversations where we follow our whims and indulge in off-topic discussions. So take a stroll to your local café and bring us along for company!
Becca:
[0:02] Welcome to Vaginance. This week we are addressing the fact that we haven’t talked to each other about finance in about five weeks. So, I’m Becca.
Taylor:
[0:11] I’m Taylor.
Maggie
[0:13] And Maggie.
Maggie
[0:15] Yeah I’m gonna think about mine and what I want to say for a minute so maybe don’t start with me.
Becca:
Taylor:
[0:44] And yet, y’all still tryed to sell it to the guy that was there to pick it up who worked at Carvana.
Becca:
[0:48] Maybe it fit his lifestyle better. I have done city commuting my entire career of having that vehicle and I still felt like I loved it even though it didn’t want to be a city commuter. It wanted to be an off roading… it needs to live a full life.
Taylor:
[0:53] Very slow off roading.
Becca:Yeah, it can’t go up hills quickly.
Maggie
[1:07] But not too far off road in case it breaks down and then you’re fucking stranded.
Taylor:
[1:10] You have to be near a city but like on a dirt path near a city.
Becca:
[1:14] Yeah that’s exactly how I am. It’s like the greenbelt hiker equivalent of vehicles.Yeah so I finally broke down. I didn’t think I ever would. I thought because of how modular GP is I really thought I would just be replacing parts until I died. But yeah no I replaced a major thing in November and then a couple things in January and then after the big freeze here in Austin which I guess we haven’t talked about on the podcast which is crazy – I turned on the Jeep and she had a check engine light and I immediately shopped for a car and bought one that day. So yeah I bought a car through Carvana, it was amazing. It was such a great life experience and I intend on only buying a vehicle that route for the rest of my life.
Maggie
[2:04] I have to second that because… I’ll wait to give my update but I sold a car on Carvana since the last one and it was so seamless.
Taylor:
[2:12] I didn’t know it was also Carvana.
Maggie
[2:14] Yeah, it was amazing. Carvana, we want you to… we won’t officially endorse you, however, we would like you to sponsor this podcast.
Taylor:
[2:18] We won’t officially endorse you until you give us a sponsorship. I will say I do really love their website and their user experience, it’s very easy to use. I got on to see how much my car would be worth if I sold it and it’s about $80. But my mechanics going to buy it from me because he can… he was like obsessed with the engine when he saw it. He was like, ‘this is a really good engine.’ So yeah, but apparently Carvana is like, nah.
Taylor:
[2:52] This will not sell.
Maggie
[2:53] Might as well not have an engine.
Becca:
[2:57] Yeah.
Jewels:
[2:57] That’s a very bold statement Becca to say that you will never buy another car another way, that’s… that’s a heck of an endorsement.
Becca:
[3:04] Well, I mean, I’m sure, I don’t hold me to that, but I can’t imagine wanting to…. like the idea of buying a car was so awful that I’ve put it off for 10 years. Because I tried, I tried, like back in 2012 or so to look for a new vehicle that would be better for commuting in the city and it was awful experience. I went to a used car dealership here in Austin, I had an acquaintance or like a friend of a friend was the salesman, so I thought it would be like a fine experience, but they outright lied about what was wrong with the vehicle. I paid a mechanic to check it out and he told me what was wrong with it, and the dealership was like, ‘oh no, he was just looking for stuff, they have to make stuff up.’ So I had their mechanic at the dealership look at it, and they were like, ‘oh yeah that is wrong, it’s going to be an additional $800 to get that fixed.’ I was like fuck y’all.
Maggie
[3:56] Yeah, that’s bullshit.
Taylor:
[3:57] It’s so shady.
Becca:
[3:57] Yeah, right. And I mean, and I think many female identifying people could or at least female presenting people could identify with this, of going on to a carlot and feeling very vulnerable and targeted and Carvana eliminates that, they don’t know who you are.
Taylor:
[4:11] Also, I just thought of another idea for my Hotty Body Shop business.
Becca:
[4:23] Oh my God.
Taylor:
[4:24] We could offer services where our mechanics, our female mechanics will go with you car shopping and check out the cars that you’re interested in buying, another addition to the Hotty Body Shop. Trademark pending.
Becca:
[4:30] That’s very cool. Another edition.
Maggie
[4:37] Okay, have you ever been…This is gonna sound terrible. Have you ever been on an escort website where it has just really cheesy photos of people and you can like, choose them. That’s how I imagine.
Taylor:
[4:46] Yes. Absolutely.
Maggie
[4:50] There’s like a poster on the wall at your Hotty Body Shop that’s just really cheesy photos of the butchest lesbians.
Taylor:
[4:52] Would you like Tatiana to take you?
Becca:
[4:57] Yeah that would be, it would be very…
Taylor:
[4:59] I would love that.
Jewels:
[5:03] What if I just want them to go grocery shopping with me? Just everything right? Like I don’t need to buy a car, but let’s go car shopping.
Becca:
[5:06] Just everything.
Taylor:
[5:06] I just want you to be my friend.
Becca:
[5:12] Yeah, I think that does turn into an escort service.
Maggie
[5:12] Where’s the line? Where do we draw that line?
Taylor:
[5:14] Yeah. Yeah, maybe. Yeah.
Becca:
[5:19] Yeah.
Jewels:
[5:21] Hotty Body shopping.
Taylor:
[5:21] Oh, there we go. There we go. I love it. There’s just so many, so many different ways we can expand this business. Patent pending, if you take this idea, I will murder you and all of your family.
Becca:
[5:32] Yeah, patent pending. No one take this idea. Her brother is a lawyer and he’s going to fucking go after you. He’s a shark, I’m telling you.
Maggie
[5:42] We have a myriad of hot, butch lesbian escorts that will come and murder you for us.
Becca:
[5:43] Um, Julie, another financial thing for me is that I now have a boyfriend who I have to spend money on.
Taylor:
[6:00] You haven’t told Julie.
Becca:
[6:01] I haven’t told Julie.
Maggie
[6:03] And also is it officially boyfriend?
Becca:
[6:07] Yeah, basically.
Taylor:
[6:08] I mean… we’re already recording…
Becca:
[6:14] You’ve actually met him. It’s Andy.
Jewels:
[6:17] Is it? This makes me so happy. Oh my God, really? You’re not, this isn’t like April Fool’s right now we’re in March.. we’re in March.
Taylor:
[6:26] Yeah. It’s like three more days until April Fools.
Jewels:
[6:31] So did he make that amazing, raspberry macaroon tart thing for you? Is that what happened? Cause I’m super jealous.
Taylor:
[6:40] It was incredible.
Becca:
[6:41] Incredible. It really.. it’s his favorite thing he’s baked. Which says a lot.
Taylor:
[6:44] I basically bullied him into demanding that he starts selling it.
Taylor:
[6:51] I was like you need to have a bakery and you can sell this and then make different versions of it. Like, I was getting really into it. I was like you have to! You have to sell that you have to! People need to know! It was so good.
Becca:
[7:05] It was so good.
Maggie
[7:05] Becca’s got a boyfriend. Becca’s got a boyfriend.
Jewels:
[7:08] That is amazing news. Oh my God. How long has this been going on and ya’ll haven’t told me? Is this since Snowpocalypse?
Becca:
[7:11] Well it’s… no, it started just over two weeks ago.
Taylor:
[7:16] Yeah, you’re one of… you’re like a hand.. you’re the first handful of people to know.
Becca:
[7:22] Yeah. Yeah. It’s not public knowledge yet. I actually… distinctly you and Zach are the last people we wanted to make sure knew before we posted anything online.
Taylor:
[7:24] Oh really?
Becca:
[7:31] Yeah. Because it feels silly y’all not knowing, but I thought just texting you would be kind of weird. Hey guys.
Taylor:
[7:39] You could have just done what me and Joey did, which was just tell nobody until they saw us making out.
Becca:
[7:43] Oh my God. Yeah.
Maggie
[7:45] It was like.. huh.
Becca:
[7:49] Yeah. I had zero capacity for that. Me and Andy told Taylor and Joey the next morning. I couldn’t hold it in.
Taylor:
[7:49] They were like giggling inside and I was like, what the fuck are they giggling about?
Becca:
[7:59] What’s so fucking funny?
Taylor:
[8:00] And then like, they came out and Becca’a like, so we’re exploring things romantically and I was like, okay.
Becca:
[8:10] Yeah. Um But yeah, that’s the news. That’s the news over here.
Jewels:
[8:15] That’s a lot of big news, new car, new boyfriend. Oh my God, new woman.
Taylor:
[8:16] New life.
Becca:
[8:18] I know, winds of change baby.
Taylor:
[8:26] Yes, we have to Venmo Joey for this weekend. I keep forgetting.
Becca:
[8:36] Yeah, that’s the stuff. Oh, and I’m meeting with Zach’s loan person this week about theoretically maybe restarting my real estate search even though I’m feeling wildly hopeless about it. But Zach texted me a few days ago and he seemed really energized and I was like, okay, maybe I’ll ride that energy for a moment and see how it goes. Yeah, though I did get my W2. Well, I opened my W2 finally from my full time employment and it was not nearly as depressing as I thought it was going to be for how much money I made last year. Yeah, also my unemployment was much higher than I thought it was, so things were okay last year. They weren’t, they weren’t stellar, they weren’t up to par, but definitely not nearly as bleak as I had built them up in my head, so that’s good tax wise.
Taylor:
[9:27] I also just today dropped off another tax form asking them where my return was and this time I got tracking and also submitted my tax uh.. what is it when you…
Maggie
[9:56] Look at my fucking signature.
Taylor:
[9:57] This is my third tax return that I’ve sent you. Please give me my money back, please take it and accept it. It’s signed. I promise. Yeah it’s been like eight months and I still haven’t gotten my $1400 from the US government. So that’s fun.
Jewels:
[10:17] Or your refund from last year?
Taylor:
[10:19] I haven’t got my refund from last year but Julie this is exciting. I got a letter in the mail from my mortgage company and they sent me back like $2400 because I overpaid on my insurance, or my my property insurance. Yeah. So that was very exciting.
Jewels:
[10:34] Awesome. So what are you what are you doing with that money? Are you going on a frivolous vacation or investing in something outrageous?
Taylor:
[10:40] I mean I am going to Costa Rica in a few weeks.
Maggie
[10:47] I don’t know about this. Tell me about this.
Jewels:
[10:47] Yes. Yes. Yes.
Taylor:
[10:49] Yeah. So my mom’s going to Costa Rica for the month and she was like, you should come down and just stay with me and so you don’t have to pay for hotels. And I was like, okay! So me and Joey, we’re going to go down for a week at the end of April.
Maggie
[10:50] That sounds amazing. I’m so jealous.
Taylor:
[11:04] I’m very excited. I mean it’s going to be only… I’ll be with my mom.
Maggie
[11:06] I’ve always wanted to go to Costa Rica. I’ve never been. It looks amazing. And you get to like, be out of town for a minute.
Taylor:
[11:14] IExactly. It’s like, we’re going to be in the jungle so we don’t have to worry about being in like a big city around a bunch of gross, dirty people.
Jewels:
[11:24] And I heard travel Maggie’s trying to bust out of her shell again.
Maggie
[11:25] Oh yeah. Like, like viciously.
Taylor:
[11:28] Do you have the travel or like, apps that tell you like when plane prices drop.
Maggie
[11:35] I absolutely don’t need to add that. But Julie’s recommended Scott’s Cheap Flights to me before.
Taylor:
[11:40] You should.
Maggie
[11:46] And I feel like once I’m in a good place to… feel confident in traveling again, I’ll probably jump on that train.
Jewels:
[11:55] It has been really hard seeing all of the Scott’s Cheap Flight deals come through my inbox the last year. It’s been really hard.
Maggie
[12:00] Yeah. I’m still also hoping that Phil’s remote job prospects will begin to flourish soon. Um, because when I travel, I travel for months on end and I’m not sure that… I don’t think that we couldn’t do it, but I think we would both miss each other a lot to be apart for that long.
Becca:
[12:25] That would be hard.
Jewels:
[12:26] Yeah, there’s a nice balance between traveling long term, part of it with your significant other and then part solo. But like three months alone, when you have someone you like to be around, three months can be a long time. A month can be a long time.
Becca:
[12:33] Um, on the note of travel. So my mom’s friend slash yoga instructor bought a house in Italy, have you heard about this shit for €1?
Maggie
[12:54] Is it one of those towns in Italy that like really needs people to live there because their ecosystem, economy not ecosystem, their economy is like crashing? I have heard of this.
Becca:
[12:54] Yeah. So it took them, it took them two years. They were on a wait list or something. I don’t really know the details but you can buy these abandoned homes for €1 but the catch, and I’m sure it’s a reasonable… a sizable one, is that you have to renovate it and make it livable. They’re all unlivable, you have to make it livable within three years. So I don’t know what livable quote unquote means, like that could be running water or it could be like.. it’s got to be a fucking, you know downtown condo. I don’t know. But they’re looking for people to go stay there for free in exchange for working.
Becca:
[14:01] Yeah I’m like not sure it is… I don’t know… because if there’s no running water I’d rather spend $14 at a hostel. But it does sound like a fun life experience and my friend Eleanora and her husband had a baby and I really want to go visit the baby in North Italy. So I’m kind of daydreaming about like a late 2021 Italy trip since it seems like…
Becca:
[14:09] I mean, they’re asking for a week I think but…
Maggie
[14:12] Okay. I didn’t know if this was like a year, like what,what the timeline was.
Becca:
[14:22] I’m not going to live in a fucking Italian shack.
Jewels:
[14:41] I learned how to drywall this year and yesterday helped my brother install the floors in his house. I have skills, I’m marketable.
Becca:
[14:42] That’s so cool. Yes you are. I always describe you like that to people. Marketable.
Maggie
[14:53] Oh yeah, my friend marketable Julie.
Becca:
[14:55] Very marketable. Okay. Taylor. Were you done with your financial updates? What else is going on?
Taylor:
[15:04] Oh um, well first I was gonna say the app is Hoopla. That you can, the travel app or not Hoopla… Hopper. Yes, Hopper.
Maggie
[15:10] I know Hopper, where it tells you the best days that flights will be cheap. Yeah.
Taylor:
[15:11] Yes. Yes. Yeah that’s what I use. It’s pretty nice.
Maggie
[15:19] Yeah I have seen, I’ve used Hopper before.
Taylor:
[15:23] Anyway, financial updates, um… I got some money back for over paying property taxes which is really nice. I’m still bugging the IRS about my tax return from last year, and what else? I’ve been feeling very overwhelmed. So I’ve been trying every morning to read a financial article and I’ve been succeeding most mornings but sometimes, you know I just get too busy and I can’t, but yeah I’ve been trying to stay on top because I feel…
Becca:
[15:51] That’s awesome.
Taylor:
[15:59] I fell ike following the stock market is such a… it’s like a whole other world to me, you have like regular news, and then you have like stock market news and it feels a like a whole other job to follow that. You know it’s like, oh I gotta check social news and political news and now stock market news. So yeah. It’s interesting though. I don’t know, this is boring I know.
Maggie
[16:27] Well, I was telling Becca earlier that I have been struggling mostly because of exactly what you’re saying right no, its just like a lot of work to keep up with all the stock market stuff. And this makes me go back to my, just do index funds thing because I get overwhelmed. I have some money now in some fun stocks but I don’t have time to read about them and no one to sell them and for Gamestop it was fun, but I don’t have the time to do that with every stock that I have right now. And so I just feel overwhelmed a little bit by it and I’m just like sh, don’t fucking do it at all then.
Taylor:
[17:01] Right, right.
Becca:
[17:03] I think I really like reading about it. But I think it’s because I’d be scrolling on my phone anyways right? I’m always fucking scrolling on my phone and it’s either on Instagram where there is no lucrative result or it’s reading about finances where I consider it, I get paid for it,
because if I make a better financial decision with my investments that will more likely yield money.
Taylor:
[17:28] That’s a really good way to look at it, you’re basically like, yeah you’re working when you’re kind of… when you’re looking at finance stuff because you’re probably going to be making more money if you know what you’re doing, it’s a really good way to look at it.
Becca:
[17:30] Exactly. Like looking up the IPO release for Bumble, I just consider that like a side gig even though I’m not… I’m investing in myself.
Taylor:
[17:43] You’re investing in yourself.
Becca:
[17:46] But like, seriously it makes me… everything you read is going to make you a better investor. Everything. So yeah. I don’t know. I think it’s if you’re money driven like I am, it’s awful.
Taylor:
[17:51] Yeah no it’s true, it’s true. Yeah, unfortunately I am not as money driven as you, although I want to be. Uh, because which brings me to my next update, I’ve been spending so much money on stupid shit again, I feel like it’s just… you buy one thing and you’re like, I’m gonna buy this thing too and I’m gonna buy this thing too, like I‘m gonna treat myself. So yeah, I’ve just been spending a lot of money on dumb shit, but also cool stuff, but dumb shit so…
Jewels:
[18:26] What kind of stuff? Tell us, tell us.
Taylor:
[18:26] Okay um I bought a dog’s travel bag for hiking.
Becca:
[18:28] That’s important though. And then I, yeah. Yeah. Well what is she supposed to do? Make little Sherlock’s legs fall off now? She got put her in the backpack.
Taylor:
[18:36] True and then I got…
Maggie
[18:38] You’re going to say that about every item I guarantee.
Taylor:
[18:41] She’s been so sad, she just can’t walk… well, she can walk far she just doesn’t want to. Because I’ll take her on rocks down the road and she’s like ‘ta da da’ like, no problem and as soon as we get on a trail she’s like fuck this and sits down.
Becca:
[18:56] I get it.
Taylor:
[18:58] So yeah, she’s like not a hiking dog.
Jewels:
[18:59] Her legs are basically like three inches tall, so I bet every tiny rock is like a boulder.
Taylor:
[19:02] That is true. Yeah. She probably hates the rocks and stuff. But yeah, I still want to take her on our hikes. So yeah, I got her a little dog bag and then I bought multivitamins even though vitamins are probably bullshit. But I got the gummies because I can’t, I won’t take them otherwise. And I got like a red.. I got one of those red flags for my mailbox because I was sick of always having to go to the USPS anytime I needed to mail just like a basic letter.
Maggie
[19:34] I’m gonna… that’s important. You need like… important purchase. So far nothing that we don’t agree with.
Taylor:
[19:38] Right. And then I got some bags, actually today I bought some of those kitchen bag holders that you stuff all the plastic bags into for groceries because I was looking at our fridge and it just looks like a fucking mountain of plastic bags. I just envision like them falling on me and drowning me while I’m opening the fridge one day.
Jewels:
[20:06] Does the bag holder work for all of the quote unquote reusable plastic bags from like H-E-B
Taylor:
[20:08] Yeah. I don’t know. I don’t know.
Jewels:
[20:11] Because in Austin we don’t have the old school plastic bags, they banned those, but we still end up with so many plastic bags but now they’re super durable plastic so they don’t like you know, you used to be able to crunch the old ones up and shove them in the bag keeper. Does it work for the new bags?
Taylor:
[20:14] I don’t know. I ordered them today so I’m gonna see, if it doesn’t I’ll return them.
Jewels:
[20:25]The jury’s out.
Taylor:
[20:30] Jury’s out. But it had a wider opening… so a wider orifice so hopefully it’ll hold them.
Becca:
[20:37] That’s what I look for.
Jewels:
[20:40] Yeah. I just have like a giant folded stack of these bags in my kitchen.
Becca:
[20:47] Yeah, yeah, we squish them. Yeah, like Instacart is like the man… fucking… because you can’t reuse them, you just get new ones.
Taylor:
[20:47] Yeah ours are just like on a… they’re a mountain, they make up a mountain size top.
Maggie
[20:59] I make a really big point of using them to give people things who’d be like, oh, I need…
Taylor:
[21:19] Take my trash.
Taylor:
[21:19] Now you can figure out how to get rid of this.
Jewels:
[21:21] The responsibility lies at your feet now.
Becca:
[21:24] We probably should stop wrapping gifts and just using reusable bags, like that would probably be the more… Why do we wrap gifts?
Taylor:
[21:24] Yeah that’s probably a good idea.
Maggie
[21:29] I don’t wrap bags because I’m lazy, so this is just even more benefit, get rid of your trash and I get to be lazy. I’m all for that idea Becca.
Becca:
[21:40] Yeah that’s a little life hack. Finance hack. Stop wrapping gifts.
Taylor:
[21:44] Use your grocery bags as present wrapping, it’s all trash really. Everything’s just trash, eventually everything ends up in the dump one way or another.
Maggie
[21:44] Yeah. Stop, stop buying wrapping paper.
Becca:
[22:00] What else you buy?
Taylor:
[22:02] Um, oh yes I got another pair of pajamas which I did not need but they were super cute and I ordered them drunkenly while we were having girls weekend so you can’t hold me accountable for that.
Becca:
[22:10] They’re super precious. Going to take them. Yeah so it doesn’t count.
Taylor:
[22:17] But yeah, I mean it’s endless. There’s a bunch of more, there’s a lot of stuff. I don’t even know, I don’t even remember half of what I got. I’m trying to reel it in, that next month is going to be like no more spending that’s why I’m trying to get it all out right now.
Becca:
[22:25] Yeah. That’s why we have a Mint app so you can see, yeah bare bones.
Taylor:
[22:37] I also got the… ooh, today I bought these really cool um, because you know how I have all of my plants, my little planters just like on tables and on window sills and I don’t love the way that looks. So I got two tiered window shelves that like hang, and it has two thin plastic shelves and you put all your little plants on them. So I got them for the living room, I thought that would be really pretty and I’ll put all of the plants on there and that way they’re all in one place and they’re hanging from the windows, they have sunlight and it looks nice and I don’t have to dirty up the window sills.
Becca:
[23:17] I love it. That’s… we’ll leave that for sparkling water cans.
Taylor:
[23:21] Exactly, and they were a really good price because I looked around too for like cheaper ones and they’re really expensive normally, they’re like $50-70 apiece. And randomly they were on Amazon, it was like the last couple ones for like $22 each.
Becca:
[23:37] Yeah. Um, Julie. What about you? What’s the financial updates from last month?
Jewels:
[23:45] Y’all brace yourselves.
Maggie:
[23:46] Wait, can we pause just a second while I get another drink because I really want to hear this. Give me a moment to brace Julie, you can’t say brace yourself and then not let me brace.
Becca:
[23:50] Yeah. She’s got to get braced.
Taylor:
[23:59] What’s something else that happened, that I could talk about?
Becca:
[24:01] Oh, you know, you could talk about your what? Starting to be more intentional about selling things on Facebook Marketplace.
Taylor:
[24:07] Oh yeah, that’s right. So Becca had a great idea since I love buying shit so much from like thrift stores and Goodwill specifically.
Becca:
[24:14] She likes a good deal.
Taylor:
[24:15] I love a good deal, Yeah, I just love it. Um, that I should start going with the intention of buying stuff that I know I could resell for a lot more, or not even a lot more, just more. Um, so right now, I’m trying to, I’m like kind of clearing out the house by finding shit that I don’t really use that often that I bought from Goodwill that still has the price tags on it and I’ve been posting it on Facebook Marketplace. And I’ve been selling clothes on Poshmark and I actually sold something this weekend, so I’ve been.. that’s not as quickly, but I’ve been – actually, that’s a good point. I’ve been trying to engage more on Poshmark to sell my clothes faster and I was like, okay, how the fuck do you do this? So people will follow each other and share listings and like that’s how you get more people to see your stuff is that you like, you follow people and share their listings and they’ll do the same for you. So the last week I’ve intentionally, every night I’ll get on Poshmark and I’ll follow a bunch of people and I only share stuff that I actually think is cute. But yeah, so I’ve been doing that and I’ve been getting a lot more exposure and more people have been liking my stuff and I sold something, so I’m trying to like push that inventory through. Yeah.
Becca:
[25:28] That’s so awesome. Well Poshmark is awesome because you have a little shop that you can set up, but you have to deal with postage. Facebook Marketplace you don’t have to deal with your postage, right? So you just have to deal with the stranger coming by your house for a second.
Taylor:
[25:34] Mhm. Yeah, exactly. So it’s like kind of both options. I get to sell like larger stuff on Facebook Marketplace, and then I sell like clothes and little things on Poshmark. So it’s nice because it’s like, I really love shopping but I also love selling stuff more. So I’m like…
Becca:
[25:48] It’s like the perfect solution for it because you get the satisfaction of finding a good deal and executing it and then the satisfaction of selling it and making money.
Taylor:
[25:57] It’s literally like two hits of dopamine.
Becca:
[26:05] Yeah. It’s made for you.
Jewels:
[26:11] It sounds like a profitable addiction potentially.
Taylor:
[26:13] Hopefully, yeah, it’s slow going. But you know, as long as it’s not like my main source of income, then it’s fine.
Jewels:
[26:18] We call you the market maker.
Becca:
[26:22] We do call her that.
Taylor:
[26:22] The market maker. Wait, Julie’s marketable and I’m the market maker.
Becca:
[26:29] We are so braced Julie.
Jewels:
[26:32] Okay. We have filed our taxes for 2015 through 2020.
Taylor:
[26:38] Oh my God.
Becca:
[26:40] Oh my God.
Jewels:
[26:42] We have not…. they’re not all paid but they are filed. We now know what we owe from this whole debacle.
Becca:
[26:48] That is insane. Y’all are amazing.
Taylor:
[26:49] That is amazing. That is truly incredible. Wait, so does that mean that your, the woman filing your taxes finally has her life together and maybe has a steady boyfriend?
Jewels:
[27:01] Who knows if she has her life together, but she has our taxes done and that’s what matters. So we finally know.
Maggie:
[27:06] And is the amount that you owe approximately what you thought it was gonna be?
Jewels:
[27:13] So actually, the amount we ended up owing I think is about the same as we thought it would be for 2015 through 2019, but it also includes 2020.
Becca:
[27:21] Oh, woohoo. Free year.
Maggie:
[27:21] Nice. That’s awesome.
Jewels:
[27:23] So it actually came in less, which is great.
Becca:
[27:33] Mm
Jewels:
[27:35] Okay, do we sell some investments and pay a chunk of it and set up a payment plan with the IRS or do we wrap it into our refi on our house so that it’s just all cleared and it’s wrapped into cashing out some of our equity? So once we decide that I think it will be a big weight off. But knowing how much we owe is also a big, big difference.
Becca:
[27:53] Yeah.
Taylor:
[27:55] And just having it filed, like it’s all there. It’s done like, you just got to figure out the payment. That’s great. That’s amazing.
Jewels:
[28:01] Exactly. Yeah. Because we’ve been waiting a long time, years, years to find out while they’ve just been stacking up so it feels really amazing to know that.
Maggie:
[28:13] Since you were in your 20’s Julie.
Taylor:
[28:14] Since you were in your 20’s.
Jewels:
[28:17] Oh thanks Maggie wow, my birthday hasn’t aged me enough this month.
Taylor:
[28:21] Decades ago.
Becca:
[28:23] We definitely need to make you a patch for this one.
Jewels:
[28:32] And to be fair, like, in 2015 I did pay most of my taxes already that year. It just never got finished out. Um, yeah.
Becca:
[28:43] Should we go on to Maggie’s financial updates?
Jewels:
[28:47] You’ve had a lot of time to prepare.
Maggie:
[28:48] I forgot that…
Becca:
[28:51] You’ve had so much time.
Maggie:
[28:52] I forgot that was a thing we needed to do still. Um, yeah, I think, I think my financial dates pretty much stem from something julie mentioned earlier is that adventure Maggie is violently trying to claw her way out of me and I was like, I know I spent a lot of money recently and I was trying to think about my frivolous purchases to tell you what they are, but almost all of them are related to Adventure Maggie. I did sell my really good car that had an immaculate record like I maintained it like, I don’t know, a little bit in an OCD way, didn’t miss an oil change kind of thing for a car that is completely untrustworthy.
Becca:
[29:35] Oh no!
Maggie:
[29:38] No it’s fine. like, I haven’t had any issues with it, but it’s just like, I don’t… I’ve gone through all the emotions. I was like really excited at first and then I was really upset that I made a bad choice and now I’m kind of living with it, but the car definitely has some issues, but it’s an adventure car and it is going to go off roading.
Taylor:
[29:56] Well with Carvana, can’t you return it within seven days?
Maggie:
[29:58] This wasn’t through a Carvana, I sold my old car through Carbonara and then I bought this car through a dealership. Um, so I am excited about it. I definitely am going to take it off roading and I’m going to go on lots of fun camping adventures, which is the whole reason why I got it because I’m a very like, itching to be outdoors right now but I have had some moments of, like, I’ve made a huge mistake financially with this car.
Taylor:
[30:25] What are the issues?
Maggie:
[30:26] Um, well, first of all, the gas mileage is terrible, but I knew that was going to be part of it. That was something I knew was going to happen. Um, but it’s got a rust damage and I don’t know the extent just yet, but I know it’s bad.
Taylor:
[30:34] Mm hmm.
Maggie:
[30:39] I’ve kind of gotten to the point of acceptance at this point where I’m just like, ok this car is costing me more money than I thought it would and that’s… whatever. And then you guys experienced this part of Adventure Maggie a little bit where I was just like, I’m just gonna book a day out on the water for a weekend and I’m just booking it and my friends can pay for it if they want to pay for it. So I’ve done that several times now because last year I had planned a week off to go to all my favorite swimming holes in Texas and then I didn’t get to do it because I got a new job. But, I remember during that time when I was trying to reserve spots because a lot of the places, even before Covid, near Austin are reservation only just because they get so crowded. It was really hard to find reservations for those things when you want them. So I was like, oh I need to just book my entire summer’s worth of swimming at once and just go and make reservations for everything that has an opening on a day that I’m free, just go start booking shit. So I spent several hundreds, several hundreds of dollars booking my swimming adventures for the summer.
Taylor:
[31:50] Really? It’s like $10 for an entrance fee for most of them.
Maggie:
[31:54] Yeah, unless you invite eight people.
Taylor:
[31:56] Oh shit. So is that… what what else did you book?
Maggie:
[31:58] I just booked for…. and I haven’t decided, like I think one of the weekends we’llll probably go with Phil’s roommates and then one of the weekends we might do my other Covid pod that I hang out with.
Taylor:
[32:07] Mhm.
Maggie:
[32:11] Um, the blue hole in Wimberley.
Taylor:
[32:13] Oh God, I’ve been wanting to go there so bad. Yeah.
Maggie:
[32:18] I’ve never been, I’ve been wanting to go there so bad. They’re completely booked every weekend through October, just so you know.
Maggie:
[32:22] Six. Um, yeah… and then….
Maggie:
Maggie:
[32:36] Same thing, booked like every weekend. Yeah. So I booked a bunch of that stuff. I booked some other fun vacation stuff that I’ve been wanting to do. Starting to plan some international travel again now that I’ve gotten my first Covid vaccine. Oh, and I dropped some money on rescuing a dog.
Taylor:
[32:53] Yeah, he’s so cute.
Maggie:
[32:55] Um, He was found walking in my neighborhood with some cuts and bruises and an extension cord around his neck and so I have taken him in and got him vaccinated and de-flead and de-icked and bought him food and a handsome collar. So he’s costing me a little bit of money, but he’s worth it and very adorable as he’s licking his butt right now. Um, but yeah, that’s, that’s the majority of my financial updates. I did my taxes already, got my tax return.
Taylor:
[33:31] I need to do… I always wait till the last possible day, and I’m normally not a procrastinator but I will always wait because I hate taxes so much. I hate doing them.
Becca:
[33:41] I actually worked on my taxes today. Yeah. I really didn’t think – I decided I was going to, but I didn’t think I would. It seemed like a lie that I was telling myself, but I did it.
It’s great and I realized I’m missing one 1099 form, which I asked for so hopefully I’ll be done in the next week or two.
Maggie:
[33:57] Nice. I remember, I don’t know if I’ve announced it on the podcast before, but I will be moving into my other house.
Taylor:
[34:05] Wow, boujee bitch.
Maggie:
[34:07] Sound like a pretentious bitch.
Becca:
[34:09] Her bigger home.
Taylor:
[34:22] Will what you’re charging them be able to cover, like just the… like do you pay… the mortgage is for, like wrapped into both, the whole property right?
Maggie:
[34:32] Yeah, it’s all one thing.
Taylor:
[34:33] So will it help cover at least like a good chunk of the mortgage or no?
Maggie:
[34:37] Pretty much my whole mortgage but I also…
Taylor:
[34:39] That is amazing.
Taylor:
[34:55] That’s awesome. And that’s a 2 1? Or 2 2?
Maggie:
[34:55] That’s a 2 2.
Becca:
[34:58] That’s amazing.
Taylor:
[34:59] My, I mean my mortgage is almost as much as yours and I do not have a back house, I can rent out.
Becca:
[35:04] Yeah.
Taylor:
[35:05] So that’s awesome.
Becca:
[35:07] But we’ll build one!
Taylor:
[35:11] We will. I want a build… Julie, lately I’ve been really obsessed with the idea of turning my property into like, a very micro commune.
Taylor:
[35:18] Where I build like, where I build like four tiny houses on it and then put like a communal garden and just like force people to hang out with me.
Becca:
[35:27] I love it so much.
Jewels:
[35:29] I’m all for friend communes.
Becca:
[35:31] Yeah. How am I expected to not live there. It’s insane to think about.
Taylor:
[35:38] I know. So yeah. That’s one of, it’s either that or a giant, one giant $5 million dollar house.
Becca:
[35:38] Yeah. So which one’s in the budget I guess is what we have to talk about.
Taylor:
[35:46] Yeah.
Maggie:
[35:48] I don’t know, four tiny homes can be pretty pricey, maybe not $5 million, but.
Becca:
[35:49] Yeah, four is a lot.
Taylor:
[35:51] True. But if you’re just renting them out instead of selling them and you’re just like, I don’t know… so tiny homes, because I have looked into buying tiny homes and you can get them for like $20,000 – $50,000. Like nice ones. So say they each cost $50,000. That’s $200,000. But I don’t think that includes pouring foundation and hooking them up and all of that. So let’s say it’s $300,000 to put four tiny homes on the property and then rent them out.
Jewels:
[36:26] Your real issue with that’s the city.
Taylor:
[36:30] Yeah, that’s true. What, fuck government! Why do you get to tell me what to do with my own property?
Jewels:
[36:37] Sounded very Texan right now.
Taylor:
[36:38] It comes out sometimes like goddamn government regulating everything.
Maggie:
[36:48] If you build a big enough fence they can’t see inside a maggie life hack for you spilled a big old fence. Yeah. It could be a metaphorical fan.
Taylor:
[36:48] That’s true.
Becca:
[36:51] Yeah, that’s a good life lesson in general.
Taylor:
[36:55] It could be a metaphorical fence, it could be a physical fence.
Maggie:
[37:03] Don’t let anyone inside.
Taylor:
[37:04] Don’t let anyone in, build up your fortress.
Jewels:
[37:08] Until we start seeing the code enforcement flying drones around the neighbourhoods.
Becca:
[37:09] Ooh, see that’s it.
Taylor:
[37:13] But see, that’s when we build like a like a reflective type of barrier.
Taylor:
[37:22] No, I’m thinking like… into uh, the um, what is that series where they all kill each other?
Becca:
[37:29] Hunger Games? Thats smart.
Taylor:
[37:33] Hunger Games. I’m thinking like Hunger Games style where they like literally have an arena and it’s that special reflecting technology dome. That’s what it will be.
Becca:
[37:39] Yeah, that’s… so basically, in Atlas Shrugged all the elite people in the economy in society leave and start their own elite people commune. As if the reality that they lived in wasn’t already an elite people commune. They… and they put like reflective things around it so that if you fly a plane over it, you can’t see the commune.
Taylor:
[38:09] That is amazing. That’s literally what I’m talking about, wow.
Becca:
[38:10] Yeah. Well you could be a part of their fucking…
Taylor:
[38:13] Maybe I’m uh… I don’t know if I want to associate myself with Atlas Shrugged.
Becca:
[38:18] I don’t think you’d enjoy that commune. I’ll just like throw that out there because they didn’t, they believe that society is too socialist because people believe in the word charity and they don’t so they started their own society.
Taylor:
[38:21] Oh yeah. Right. Yeah. What is the word? It’s like, not extreme selfishism….
Becca:
[38:38] Objectivism? That’s the word. Yeah.
Taylor:
[38:42] Yeah. Like everyone go fuck themselves. I only care about myself. Yeah.
Becca:
[38:46] Yeah. Narcissism like.
Taylor:
[38:47] Yeah. Yeah. No, I’m not into that. I’d be like, fuck you guys. Interestingly enough, only white elite people feel that way. Wonder why? Oh, that reminds me, y’all we gotta watch new Qanon documentary.
Becca:
[39:02] I really really want to. Yeah let’s do that.
Taylor:
[39:03] We should watch it. Maybe when we get home.
Becca:
[39:06] We’ll also record a bonus episode of me and Taylor commenting on the Qanon documentary.
Taylor:
[39:07] I’ve heard it’s great. I’m very, very intrigued. But anyway, I feel like we covered a lot.
Becca:
[39:16] Yeah that was really nice, that was nice and organic. I enjoyed that.
Taylor:
[39:19] We need to have a Vaginance subscription box.
Becca:
[39:22] We need to.
Maggie:
[39:25] Like one of our favorite reads, a sex toy and a badge and a digital download of us.
Becca:
[39:25] And a badge. So fun. Yeah. An NFT.
Taylor:
[39:30] Or just our butts.
Becca:
[39:34] And you have to collect all four butts.
Taylor:
[39:37] Yeah. But then it’s like monopoly where there’s like a lot of like three of them and then one of them is like super rare. The rare one is Julie’s butt.
Jewels:
[39:47] Oh God, yeah, because it takes three cards.
Taylor:
[39:50] Because it’s fucking perfect. Not found anywhere else in nature.
Jewels:
[39:58] You have to build my butt.
Becca:
[40:00] I love it.
Random dispatches, updates & Goodies
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