140: College Funds, Ultimatums, and $13K Monthly Bills: Social Media Posts That Got Us Talking

Social Media Money Hot Takes

Jessica 0:00

In today's episode, we are keeping it a little bit lighter, and we are going to focus on some things we've recently seen on social media that are going to drive our discussion. If you want a taste of the tea, stay tuned.

SPEAKER_03 0:13

Sugar Daddy Podcast, yo. Learn how to make the pockets grow. Five mental freedoms where we go. Smart investments, money flow.

Jessica 0:24

Welcome back to the Sugar Daddy Podcast, the podcast that helps you build a clear financial plan so that you can feel in control and confident about your money.

Brandon 0:36

Hey, babe.

Jessica 0:37

Hey, I just had like a total. Did you hear it? I was like, what are we doing here? Hey, babe. What are we talking about today?

Brandon 0:45

Well, I think you should answer that question because you have some social media posts that you've come across that you want to just kind of talk about and talk through them.

Jessica 0:54

Yeah. So uh threads is the new Reddit. Threads be popping, y'all. If you're not on threads, go ahead and get over there. It is interesting. So I I clipped a couple of threads posts and I wanted to get your take. I clearly have a strong point of view. I think you are going to agree. But um I try to pick ones where the comments, you know, are either like very one-sided, where it's like, okay, anybody who doesn't agree with this is like it's you, not me type thing. Um, and then there's others where it's a little split. So I want to see where you fall. Are you ready?

Brandon 1:30

Do I have a choice?

Jessica 1:31

No, you don't. Okay, here

Truck Vs Med School Fund

Jessica 1:33

we go. So here's the first one. It says, My marriage is falling apart. I remarried after my husband passed, and we had saved money for our daughter's medical school. She's 19 now and about to start. Last week, my current husband asked me for $10,000 from that money to buy a new truck. I said no, it belongs to my daughter's future. He got angry and said, if I won't give it to him, I should prepare for a divorce. Now he's already packing his things. I'm torn. Do I protect my daughter's future or try to save my marriage? You already know my answer.

Brandon 2:14

That's an easy one. That's an easy one.

Jessica 2:16

Isn't it? I mean, I think it's it's very clear.

Brandon 2:18

People were actually split in the conversation.

Jessica 2:20

No, this one was very, this one was very like, girl, you know what you gotta do.

Brandon 2:24

I was about to say, like, that's nonsense.

Jessica 2:26

So just for clarity, what is your answer?

Brandon 2:29

She just needs to let him pack and leave.

Jessica 2:31

Let me help you, Boo. Let me go ahead and get your suitcase down.

Brandon 2:35

I think it's crazy. I always think it's interesting that people feel they're entitled to things that aren't theirs.

Jessica 2:40

But also, okay, this listen, he wants a new truck. Even our children who are six and eight know the difference between a want and a need. That's crazy.

Brandon 2:54

I'm just imagining like how he presented it, her response, and then immediately afterwards he was just like, oh well, I'm I'm gonna divorce you then. Like But also if it's that quick, then like he didn't he wasn't with you for love to begin with, anyways.

Jessica 3:08

But also, if you don't have the 10K that you need for this truck, who do you think is gonna pay for this divorce? Do you think that those are free? Because I'm very confused.

Brandon 3:16

Like well, hopefully they've been married all that long and he can just get it annulled.

Jessica 3:19

Yeah, I don't know about that. But also, what kind of person do you have to be to actively and willingly want to take money from a child's college fund? That's crazy. That you clearly have not been contributing to, and this mom and her late husband were contributing to. So, like, there are so many red flags here.

Brandon 3:44

That's also why I'm a big advocate, especially when it comes to like a second marriage, is that depending, especially depending on what happens in life, that maybe you should just keep your assets separate and like establish that from the get-go as far as having a prenup or you know, if you're already in your second marriage getting a post-nup, to have that separation of your assets because you know, like especially when there's children. But she's almost she's about to go off to college. It didn't sound like they were married all that long. So a good portion of all that, like a good portion of her life as far as accruing assets and buildings.

Jessica 4:13

It's not with homeboy who wants a truck.

Brandon 4:15

And so, like keeping that separate, like, and it's obviously like from the way that he's talking, he sounds just irresponsible with his finances to begin with.

Jessica 4:22

Yeah, I mean, we're drawing a lot of conclusions here, but if you need the $10,000 for this truck, I don't know if that's a down payment. I she didn't mention, like, does the $10,000 cover the whole truck? Like, I don't know the details, but the fact that you are willing to take $10,000 from somebody who's about to go to medical school and like give back to the community when she's done. And again, this was not money that you contributed to is crazy.

Brandon 4:48

Yeah, I mean, that's the biggest part there is that he did not contribute any money to that amount.

Jessica 4:53

Right.

Brandon 4:54

So it's one of those things, like, for example, like before you and I got married, we each owned our own homes.

Jessica 4:59

Right.

Brandon 4:59

And, you know, as far as obviously we sold those homes and those became joint assets, which we used to purchase future homes. But and prior to us getting married, when they were still, you know, our separate houses before we sold them, you know, you were able to do and make the decisions that you want with your house that you use your money to purchase because it wasn't our money. Right. I let you drive those decisions. Very simple. Now, obviously, like it was a little different with the one that I had on because we were living in it and you were paying towards my mortgage at that point in time. Right. But and that's but in your scenario it was like you drive the decision on what's going on with that property.

Jessica 5:32

Yeah. I I just the entitlement in here, it just reeks of red flags. And and I, you know, I think that there's a big difference between, let's say we were in, I don't know, you know, financial hardship and we had been contributing to our kids' college fund or Utma, et cetera. And it was like, all right, it's either we take money from that account or we can't pay our mortgage. That's very different than I just want to buy a truck and it's a Tuesday, and this is money that I've not contributed to.

Brandon 6:06

Like I said, the biggest thing there for me is that he didn't contribute any money to it, and he's giving her an ultimatum.

Jessica 6:12

Right. And with a quickness. So he was already like one foot out the door. Yeah, it's that's weird. I mean, the comments overwhelmingly were like, girl, help him pack and do yourself a favor.

Brandon 6:22

Yeah, the fact that she's even like double like like contemplating about whether or not Absolutely not.

Jessica 6:29

Absolutely not. Okay, let's move on to another one.

College Fund After A Child’s Death

Jessica 6:32

This one is sad and not as obvious, but I can't wait to hear what you think. This one says, I buried my 16-year-old daughter, and the one person who never left her side still hasn't left mine. Now I want to give my daughter's college fund to her best friend, the one who showed up every single day, but my family says it belongs to my nephew instead. Am I wrong for choosing loyalty over blood?

Brandon 7:01

First of all, the wording. It belongs.

Jessica 7:04

Yes, just said it, but my family says it belongs to my nephew.

Brandon 7:08

I guess because he's next to the when you say it belongs, it implies that he has some sense of ownership over it for a specific reason. Did anybody else in his family contribute to this amount? Because it's one thing if like the other family members, just say, for example, that the grandparents or whatever were contributing to it. I could see I don't have any of those kinds of things. I could see, for example, like if you have like a 520 plan, let's just say it's a 529 plan and you've been contributing to it, but then like also maybe grandparents and other people are contributing to it, then I could see where maybe they would it feel a certain way about it.

Jessica 7:40

About it kind of leaving the family, right? Yeah.

Brandon 7:43

I could see in that scenario, but if the parents 100% funded that themselves, then they could do whatever they want with it.

Jessica 7:50

Right.

Brandon 7:51

Like I don't want to hear anybody's input unless you put some money here. And I don't mean just like $100, $200. I mean a significant amount of money.

Jessica 7:58

Like you've been contributing every month since the child was born or something like that.

Brandon 8:02

And that's why, and that's why in those scenarios, I say if you're going to consistently have like a grandparent contribute to a 529 plan, you should actually have them open up a separate 529 plan because a grandparent can open it up themselves and contribute it to it for the kid. And then they can make the determination of what they want to do with the money that they contributed.

Jessica 8:20

Right. Yeah. Well, you know, it's interesting in these scenarios because it it also reminds me of like weddings, right? When it's like, okay, now my parents, my grandparents, they want their golf buddies there. They want their, you know, Bob from the office, you know, like Richard from down the street.

Brandon 8:38

And it's like, how much how much did you pay for this wedding? How much do you contribute?

Jessica 8:42

Right. Because even, you know, there was a time when like your mom mentioned a couple of people for our wedding, and I was like, I have no idea who those people are. And she was like, Yeah, but they're my friends. And I was like, it doesn't matter. Like, you're not paying for this wedding. Like, we had a destination wedding on purpose to keep it small and intimate. And because I wanted to be able to look back and name every single person in our photos by name and not be like, Who's that random person? Oh, yeah, that's my mom's friend from the office. No, you know, but like you lose control. That that's the thing. You lose control when you give financial control to somebody else. That's that's what it is.

Brandon 9:19

That's anything in life.

Jessica 9:20

Well, that's what I'm saying. Like, so whether it's the wedding or the this or the that or a marriage or a home, like when you give away control, like that's I mean, you lose your leverage. So I don't know the details of of this scenario. Um, but I will say that the comments, when I looked at this, it had 13,000 likes, um, over 2,000 comments. And the comments were definitely more split than on the last one. So some of the comments were like, Yeah, you keep it in the family, you know.

Brandon 9:52

See, like, I think it all depends on the relationship that, you know, for example, the nephew has in relation to her and the you know, or the um the or the uh the child that passed away. Right. Now, for example, like if they were extremely if the nephew it was extremely close, they're like it was a tight-knit family, then I can understand, you know, feeling a certain way about that. But like if it's just a cousin that you see here and there, like I'm a I'm not a believer in family is family just because they're family.

Jessica 10:21

Right.

Brandon 10:21

I don't believe that because in my own personal life, I have people that are quote unquote blood relatives to me and like you know, you know And you're not close at all. And not close at all and never have been.

Jessica 10:32

Right.

Brandon 10:32

And so like they're like a stranger to me almost in a sense. Like I know more about my neighbor than I do about them. Right. And I don't even know our neighbors like that.

Jessica 10:39

Yeah. No, you definitely don't know our neighbors like that. Well, and some of the comments were like, Can you split it? Can you do a percentage? Can you like keep some for your nephew? And get and then it's just like, okay, but like you said, what is the relationship? And he, the, the dad who posted this, I feel like you could even tell in the message, like, he's like, Man, my bet my daughter's best friend was loyal to her. Like that was like her chosen sister. And I thought it was super sweet that he was like, I wanna, you know, my daughter can't have this college fun because she's no longer here. So let me pass it along, like almost like in honor of, you know. And I thought that that was really meaningful too.

Brandon 11:16

There's also just so many variables, obviously, that aren't sure we don't know within the post. So, for example, let's just say that like the nephew, his parents can afford college. Say, like they're say they're pretty much you know they're doing well, they're doing good enough. And this, this uh the uh the best friend, maybe she comes from a family that doesn't have a lot of money. Yeah, and so like this would be life altering and life-changing for her to have this money to go to college.

Jessica 11:41

Yeah, we don't have those details, we're totally speculating and story if it's my money, I'm gonna do what I want with it.

Brandon 11:48

Yeah, plain and simple.

Jessica 11:50

Yeah, I agree. I think that's the easy way to do this. So cool. Um all right, last one is very different, uh, not as scandalous, but super sad, and I definitely want to get your take on it.

The True Cost Of Memory Care

Jessica 12:05

So this was from an article in Business Insider, and it's really heartbreaking. Um, it says my family paid $13,000 a month for my father-in-law's memory assisted living. $13,000 every single month. So the article is about US families moving their aging parents to Mexico for long-term care because the cost of doing so in the US has become simply out of reach for most people. I mean, like, who has $13,000 a month to put their like that's on top of your living expenses? So um, it said that more and more millennials are quietly navigating this impossible math, watching parents age while starting down, staring down costs that can literally wipe out savings, retirement funds, and peace of mind in just a matter of months. So when families start looking at high-quality care facilities across the border at a fraction of the price, it's not abandonment, it's literally survival. So I wanted to get your take on that because I know you have clients who are navigating that. And like, what can you do? I mean, what can we do as elder millennials? We're in this sandwich generation. We are, you know, starting to really think about and maybe even care for our aging parents while also raising our own kids. And like this is a reality for a lot of people. Like they're gonna be wiping out their savings, you know, taking out loans against their 401ks, and then they're gonna have nothing left when it comes time to for their retirement because they're taking care of their parents.

Brandon 13:41

I mean, this also it's personally at a home because my grandmother had to go into, she had Alzheimer's and had to go into um full assisted living with a memory care unit for several years prior to passing away. And it wasn't, you know, thankfully it wasn't $13,000, but I want to say it was like seven or eight thousand dollars a month.

Jessica 13:58

Yeah, I remember that.

Brandon 13:59

And um, I mean, thankfully my grandfather had set enough money aside that we didn't even realize because I was I wasn't in finance yet when this all this was going on. But luckily, she he had set enough money aside that she was fine being taken care of and we didn't have to really worry about it too much. And my mom managed all that and didn't have to dip into her own finances too much in order to take care of that. But honestly, for most people, especially for our generation, like this is gonna be the number one thing that I think is not on people's radar. And it's not even just a matter of like, you know, if your parents have long-term care needs, it's also what are your parents' finances in

The Conversation With Your Parents

Brandon 14:32

general?

Jessica 14:32

Right. Because if we talk about this so much, you guys.

Brandon 14:35

Because if you don't, if you have not sat down with your parents and looked through all their financial information and seen the numbers yourself, you have no idea what your parents have. You may think they're doing well and they might not be. You just have no idea. And I think this is one of the biggest things that people need to, if they haven't already done it, they need to do it today, tomorrow. Make some time to sit with your parents and really go through and make sure that their finances are okay. Because if they're not, the first person they're gonna look to for, you know, help is gonna be you. And that's going to impede upon your ability to navigate your own financial life. And we already know everything is increasing in costs. Like day-to-day life is just so much more expensive now, and then having to also take on the burden of your parents' finances as well. That's, I mean, like that's a recipe for disaster.

Jessica 15:21

Yeah, absolutely. Well, and I think even people who think that their parents are doing well, right? Or maybe they have assets, they have homes, etc., they've worked their whole lives, like they have a high title. I think there's a lot of assuming that people are doing. Yeah.

Brandon 15:40

I'm the only, we are the only people in our network of people that are friends and stuff like that that know exactly what the details of their finances, their parents' finances. And that's because I handle all their finances.

SPEAKER_04 15:52

Yeah.

Brandon 15:52

And I force them to either have the conversation with me or don't ask for our help.

Jessica 15:57

Yeah.

Brandon 15:57

But I've never met any of our other friends. Our friends are.

Jessica 16:00

I think there's maybe one other person who well, I'm not gonna say their name, but I think there's one other person in our network that does know what's going on in her family.

Brandon 16:08

I no, I don't think I'm not talking about I have an idea what's going on. No, no, I think like I see, I know numbers.

Jessica 16:15

Yeah, I think like a family office situation and and numbers.

Brandon 16:19

But does sh do they know the numbers?

unknown 16:22

Yeah.

Brandon 16:22

Not does the family office know the numbers. Do they know the numbers?

Jessica 16:25

Yes, I think that they know the numbers. I mean, maybe that's me assuming, but I think that's you assuming I do think that 99.7% of the people that we know have no idea what is happening with their parents' finances. And I do think, and for many of them, I fear that that is going to negatively trickle down and negatively affect what they are trying to build.

Brandon 16:50

It 100% is because you know, if they don't have the money to help their, you know, to take to help their parents, their parents are gonna end up moving with them. And then that's going to dictate a lot of the decisions that they're making in their life.

Jessica 17:00

Well, and even if it's not moving in, right? Like maybe you don't have the capacity to take on a parent that has dementia or Alzheimer's or a physical impairment, or, you know, I was even talking to um our neighbor's mom the other day down from Rhode Island. His dad is getting ready to have surgery here, hours and states away from where they live, because they don't have a bedroom downstairs. So even little things like that, where it's like I now need to temporarily move my family in because so and so needs to have a surgery because I have a bedroom downstairs. And I mean, even those little accommodations make a difference.

Brandon 17:39

It's the planning aspect. So, for example, like, you know, when my um when my mom moved back back to North Carolina a few years ago, one of the things that we were big on is like, you need a first floor mass. First floor master. But there's no reason for you to And honestly, just a ranch.

Jessica 17:52

Like I want all of our family to not have stairs.

Brandon 17:54

Yeah, there's no reason for you to have to go up the stairs if you don't need to.

Jessica 17:57

No, absolutely not.

Brandon 17:59

Well, and I think I mean it's one of the reasons why we also moved because our previous home didn't have a first floor um uh bedroom or full bath. And thankfully we did, you know, make that move because my dad had um an injury, just his father had an injury. They wouldn't have been able to visit us if we didn't have that first floor uh bedroom and uh full bath. Myself, I was I throw my Achilles.

Jessica 18:21

Yeah, we're getting a lot of room use out of our first floor guest room and full bath with a walk-in shower. Yeah. Yeah.

Brandon 18:28

So like at the end of the day, like honestly, like it's hard if you've already gotten to the point where, like, for example, like they're at that point of that memory of needing that assisted living, honestly, there's very few things you can do. Yeah. There's very few things that you can do. Um, the biggest thing is the planning that's leading up to it. You know,

Long-Term Care Planning And Medicaid Reality

Brandon 18:45

and the sooner you do it, the better, because one of the uh, you know, one of the biggest um options you have that could be helpful is a long-term care policy of some sort. And you have to be eligible. You have to be able to actually be eligible to get a policy.

Jessica 18:58

So again, you have to do it early enough in life.

Brandon 19:01

Early in life that's something like so, for example, like um, since my grandmother had Alzheimer's, my great grandmother had Alzheimer's, my mom was, let's go ahead and do this. So we got her one years ago and that you know, put that in place so that she doesn't have to drain her assets before being able to access a large pool of money to help pay for if she does have to go into you know a full assisted memory care unit. Or even in the scenario, like, you know, moving um her into our home and having someone give her provide care there. It just gives you options.

Jessica 19:31

Right. Options is what you need.

Brandon 19:33

Yes.

Jessica 19:33

Well, and I think, I mean, reading these articles, I don't know anybody, even our most well-off friends. I don't know anybody that just has, let's call it $6,000 or $13,000 or anywhere in between, just laying around. No. To like, oh yeah, here, I can spend this extra money a month. Like, nobody has that right now.

Brandon 19:54

No. And the thing is, is that the way that it kind of works is that people are like, oh, well, you know, I'll just use uh Medicaid. Well, you have to drain all your assets first.

SPEAKER_04 20:01

Oh.

Brandon 20:02

You have to drain all your assets first before the Medicaid would kick in. And in those scenarios, you know, when it comes to Medicaid, there are some nice facilities because like most facilities do have a certain number of beds that are um dedicated for Medicaid, but it's very few, and obviously everyone's sure the long, there's a long time. My grandfather's my great aunt, my grandfather's sister, she didn't have any assets and she ended in a very subpar. And I remember going when we go to visitors, like, this is terrible. Like I that's that's I mean, like it's in my mind, like I had the image seared in my mind of walking in the front door and like looking around and being like, I never want to end up in a place like this.

Jessica 20:46

Oh, that is awful. Well, and my grandmother had um dementia and Alzheimer's as well, and it progressed, you know.

Brandon 20:54

I think your grandma had dementia, not Alzheimer's. Because you have normally either or because your grandmother would like kick back in and like remember and be her complete self.

Jessica 21:04

Oh, but only for like seconds.

Brandon 21:05

But with Alzheimer's, like that once you start to progress, like that never happens. Like, once my grandmother progressed and became she never came back to like, oh yeah, she would have a few lucid moments here or there. That was earlier on and yeah.

Jessica 21:18

Well, she was declining and she was, you know, in a home and in a facility. And um, this was in Europe, and even there, you know, it's just Germany does not have universal health care, which is a common misconception, but it's just heartbreaking. And these are the conversations that I know you're having with your clients. We're encouraging our friends to have with their parents, and it's so that you don't end up having to undo everything you're building. Because I've even talked to you about, you know, getting a long-term care policy from my mom and having my brother and I pay for it. And I, you know, we'll have to do a separate uh episode about that. But there are options, but again, time is. is important. Like doing this sooner than later is really, really important.

Brandon 22:04

And I and it and honestly at some point in time it's it's that hard conversation to have your parents because I've had these conversations with uh tons of our friends and their parents are reluctant to have these conversations. And I'd say to them like, you know, you have to draw that line in the sand where like if your parents are going to be reluctant and they're going to drag their feet on having this conversation, if it gets to the point where they need your help, then you got to say S your SOL. Like we tried to fix this. I shouldn't have to bear the uh burden of you know fixing this difficult situation financially now because you refused to have a conversation with me earlier where we could have done something.

Jessica 22:41

And put something in place to help mitigate and if the problem is that most people aren't going to do that.

Brandon 22:45

Because it's your parents.

Jessica 22:47

Right. I was gonna say what are you going to do? Put them out on the street?

Brandon 22:50

Like I don't have to worry about that for the most part because Molly like I said, my mom went ahead and got that in place or whatever, but like Yeah You know it's it's one of those things where like if you shouldn't have to fix the problems that your parents refuse to acknowledge. Like you should that's not the way like that's not the way it goes. That that's that that's not the way it should go.

Jessica 23:12

Yeah. Well especially if you're coming to them from a place of let's get a plan in place. Let's get you know yes protection in place so that you're taken care of. We're not struggling at the end of this when you're gone, you know I mean And oh I'm gonna be honest with you.

Brandon 23:29

From my personal experience the reason that people are hesitant like a parent would be hesitant to have this conversation with their child is because they don't have things in place.

SPEAKER_04 23:40

Yeah.

Brandon 23:41

Because I guess think about someone who is organized and has things planned and they're you just say can I can I see the plan? Oh here's the plan. Da da da da da da da da da da da this and that. That's how those people operate. Because they they they took all the time to do all the planning and put everything in place. So they want you to know they want you to know there's a plan and where to find things.

Jessica 23:58

And what's going to happen. Right?

Brandon 24:00

Like here's who here's who gets what here's who this you know who this goes to like when they when they don't want to have that conversations because I'm telling you 99.9% of the time they did not do any planning and they're embarrassed and worried because they didn't do the planning.

Jessica 24:16

Yeah but even then it's like if somebody's coming to you whether you're embarrassed or worried or whatever at that point it's like okay tuck your tail and like let's get done what we can get done.

Brandon 24:25

I agree. Easier said than done though because we've had these conversations with tons of our friends whose parents don't want to have this conversation.

Jessica 24:31

Yeah.

Brandon 24:32

And I said I said I'll be the bad guy. Let me be the bad guy. I have no problems with that. Because I will tell like I said if you're having a problem, reach out to me. I will have I will be the third party mediator and I'll be I'll be quote unquote the bad guy. Blame it on me.

SPEAKER_04 24:44

Right.

Brandon 24:45

But like like I said our generation is going through so many things that we shouldn't have to bear the burden of the you know lack of financial planning our parents have done if we've come to them and say, hey let's address this.

Jessica 24:57

Right. Yeah I just when I saw $13,000 a month and then moving family members across the border to get semi-decent care.

Brandon 25:06

I mean oh my gosh I don't have an addition we don't have an additional $13,000 a month to pay for and if I did I you could find me on our yacht. Like yeah that's crazy. But that's that also contributes to the overall uh cost increase of everything in the United States and why you have for the first time in history a larger percentage of people leave the United States for a variety of reasons but mainly cost of living is insane.

Jessica 25:31

Cost of listen I got excited yesterday when I got two pounds of strawberries at Costco for $397.

Brandon 25:37

That's a good deal.

Jessica 25:38

I mean that was a win in this economy geez. I was like whoa got to text all my friends tell them to come to Costco okay well you listen I was trying to keep it light and I was trying to keep it you know but clearly we shouldn't have ended on this one but I mean it's something that's good conversation it's something that people need to know.

Brandon 25:56

Because like I said we I think this is one of those areas of financial planning for families and individuals our age that is 100% being overlooked.

Jessica 26:04

Yeah. Okay.

Wrap Up And Listener DMs

Jessica 26:05

Well we're gonna do an episode on long-term care. There, I just decided. Okay. All right perfect. Um okay if you have a differing opinion on who the college fund should go to and uh you know should she give him the $10,000 for the truck or leave that man, definitely slide on our DMs and let us know. But I, you know, I know you well so I knew I knew what your response is going to be.

SPEAKER_04 26:28

It was easy.

Jessica 26:29

The memory care and you know moving across the border that's a little bit different. But we'll do a follow-up episode so that you can fully understand what long-term term care is, when to get it all the the details so that hopefully you can have a comprehensive and positive conversation with the loved ones in your life. So thank you as always for tuning in. We will talk to you next Wednesday. Don't forget Benjamin Franklin said an investment in knowledge pays the best interest you just got paid.

SPEAKER_03 27:00

Until next time Sugar Daddy Podcast go learn how to make the pockets grow financial freedoms where we grow smart investments money flow.

Jessica 27:11

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SPEAKER_00 27:40

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