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Let’s Talk BS with Bryan & Sofia

Bryan Royster and Sofia Kifle-Baker

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Bryan and Sofia are here to discuss some of the hot topics that are prevalent in today’s culture. Anywhere from navigating entrepreneurship to everyday life in modern society. Our conversations will be vast and informative that should help shift one’s mindset about the philosophy to truly conquer whatever your dreams have set you out to do.
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In today’s episode we talk about Bryan coaching his son’s football season, Sofia’s Hunt Club Farm visit, the DOJ suing Rocket Mortgage, how are you supposed to improve credit, the history of debit card rewards, what just happened to rates, Bryan’s NYC trip, why Sofia doesn’t like being scared, and more! Connect with Bryan & Sofia: Instagram @letsta…
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In today’s episode we talk about Christmas on the beach, weekend sports and dance, Bryan’s golf walker, mortgage rates updates, how student loans factor into mortgage loans, dealing with credit report disputes, Sofia’s scary story, a Love is blind recap, and how someone got a DUI while driving a Power Wheel toy car? Connect with Bryan & Sofia: Inst…
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In today’s episode we talk about Bryan’s Denver trip, meeting Anderson Paak, Sofia’s running progress, a Chick-fil-a betrayal, insurance tips, closing costs, Love Is Blind’s new season, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https:/…
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In today’s episode we talk about Sofia staying out too late, her homebuyer event recap and new monthly challenge, why Bryan’s buyer suddenly lost qualification, would you buy a home you’ve never seen in person, how to handle inherited properties and investment properties, travel plans, the new season of Love Is Blind, and more! Connect with Bryan &…
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In today’s episode we talk about Sofia and her new nose piercing, school and sports, occupancy issues and home loans, is it reasonable to be paying $3,000 a month in rent, refrigerators, P Diddy updates, TV show drama, can you own a town, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: …
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In today’s episode we talk about summer recap, school vs. weekend, football kid story, the Something in the Water concert being postponed, P Diddy denied bail, casino stories, Beyonce, the Olympics, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc You…
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In this episode Bryan & Sofia talk about Father’s Day, graduation stories, Bad Boys 4, Juneteenth, best ice cream, Michigan Man got his permit, VA loan updates, inspections, getting a loan, crazy insurance premiums for permits, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www…
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In this episode Bryan & Sofia talk about last weekend, the Michigan man who drove himself into some trouble in court, is buying a house for everyone, why you should avoid using a debit card, buyer denied because she’s black, being a beach kid, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ Tik…
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In this episode Bryan & Sofia talk about their Memorial Day activities, paying taxes when self-employed, Bryan’s unique buyer situation, Scottie Scheffler charges being dropped, a cop gets booty on duty, convicted felon Donald Trump, missing a flight over Starbucks, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagra…
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In this episode Bryan & Sofia home cooking and clean eating, how rates have slightly improved, dealing with the dentist and braces, a huge change to credit scores and debt collection, big NAR settlement news, why did Scottie Scheffler get arrested, wrapping up the Kendrick vs. Drake beef, and more! Connect with Bryan & Sofia: Instagram @letstalkbsp…
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In this episode Bryan & Sofia talk with special guest and hiring specialist Lakeesha Branch all about her experiences working remote, resume writing tips and tricks, how to answer tricky interview questions, avoiding fraud, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tik…
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In this episode Bryan & Sofia talk about Bryan’s sliding surprise, a new Zillow touring agreement, the Fed saying no more rate increases, the importance of having a real estate agent backing you up when buying a home, Kendrick vs. Drake gets crazier, and more! Watch Bryan Go Slidin’! Link: https://youtu.be/Ibmi-PMg4ac?si=w2Klv-CglhTdN9jd&t=480 Conn…
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In this episode Bryan & Sofia talk about a yarn party, credit score pitfalls, Spark Funds, Capital Gains tax changes, the end of non-compete clauses, how airline refunds are changing, Reggie Bush getting his trophy returned, the NFL draft, is Tik-Tok getting banned, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagra…
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In this episode Bryan & Sofia talk about when we might finally hit a 2% inflation rate, appraisal vs sales surprises, whether or not you should run background checks on your potential renters, Sofia’s list of the top 5 repairs you can do to increase the value of your home, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.i…
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In this episode Bryan & Sofia talk with special guest and gym owner/personal trainer Kayla Cason about the eclipse, bowling, athletics, and sports stories, Kayla’s gym, being a business owner, singing, and more! Connect with Kayla Cason: Website: https://www.dripathletic.club/ Instagram: https://www.instagram.com/dripathletic.club/ Connect with Bry…
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In this episode Bryan & Sofia talk about their Easter weekend adventures, the Baltimore bridge, the time Bryan felt an earthquake, should kids be banned from social media, monthly payment info, HOAs, renting vs buying , and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.…
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In this episode Bryan & Sofia talk with special guest and credit expert Stephen Blanchard about business credit myths, best practices for better credit, what a “perfect credit profile” looks like, cash vs credit, FICO score vs Vantage score, credit inquiry info, Diddy do it, and more! Connect with Stephen Blanchard: YouTube: https://youtube.com/@st…
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In today’s episode Bryan & Sofia talk about some changes to the capital gains tax system, the new first time homebuyer tax credit plan, whether you really need a college degree in 2024, the big story around the NAR settlement causing commission changes for MLS, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com…
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In today’s episode Bryan & Sofia talk about the brand new PPI report, how veterans can use dual entitlement, the Married At First Sight tv show and middle name agreements, the Kemba Smith story, more Love Is Blind chat, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.…
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In today’s episode Bryan & Sofia talk about why whales are washing up on the beach, Bryan vs a Jellyfish, Sofia vs Sharks, getting a loan with your spouse, why you need to be careful cosigning on anything, another Love Is Blind recap, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: http…
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In today’s episode Bryan & Sofia talk about dancing for a client's Tik Tok, Sofia’s mall trip, how Bryan snuck into a concert as a teen, the new CPE Fed report, how credit scores are changing soon, overtime work, spilling the tea on Love Is Blind, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/…
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In today’s episode Bryan & Sofia talk about too much sugar, some National Margarita Day fun, whether it’s better to buy or build a new home, what happened to NFTs, a $340 million mistake, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https…
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In today’s episode Bryan & Sofia talk about Bryan’s time at the Superbowl, why Sofia’s feeling salty, the CPI report, the question of whether or not a real estate agent should be a homeowner themselves before trying to sell homes, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://…
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In today’s episode Bryan & Sofia talk about credit score info, how your tax payment records factor into getting a home, what reserves are, equity, rating dinner date options, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtub…
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In today’s episode Bryan & Sofia talk about rate expectations for 2024, Black History Month, thoughts on snow, celebrity drama, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: ht…
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In this episode Bryan & Sofia talk with special guest Sherman Ledet about all sorts of tax topics for 2024, what a CPA is and what they do, how things have changed for your tax filing in 2023 and 2024, and more! Connect with Bryan & Sofia: Connect with Sherman Ledet at Caldwell CPAs: https://www.caldwellcpas.com/ Instagram @letstalkbspc: https://ww…
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In this episode Bryan & Sofia talk about a wild criminal landlord story, reviewing the brand new Netflix show “Fool Me Once”, Bryan’s nightmare contractor story, what you need to know about your credit score, payment history, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.t…
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In this episode Bryan & Sofia talk skating and pizza, workout woes, insights from the new CPI report, interest rate trends, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https:…
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In this episode Bryan & Sofia talk redacted bank statements, foods for the new year, fraud issues, Katt Williams, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atla…
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In this first episode of 2024, Bryan & Sofia discuss 2024, a huge brokerage lawsuit, the current market, incentives to sell, teaching your kids how to drive, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbs…
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In this final episode of 2023, Bryan & Sofia discuss why you should look into mortgage recasting, what might happen to rates in a year like 2024, the Jonathan Majors verdict, what Bryan thought about the movie Wonka, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ YouTube: https://www.youtube.c…
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In this episode Bryan & Sofia discuss the latest on what to expect on rates in 2024, some great news for VHDA Limits, that big banking discrimination scandal, why Bryan believed Santa was real, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ YouTube: https://www.youtube.com/@letstalkbspodcast C…
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In this episode Bryan & Sofia discuss the latest on how your credit score affects your rates, how the current market is changing, an update on the P Diddy Allegations, birthday and holiday plans, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ YouTube: https://www.youtube.com/@letstalkbspodcast…
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In this episode Bryan & Sofia discuss the latest on conforming loan limits, an important VHDA update, tax bracket news for 2023, what you should know about mortgage insurance, and more! Connect with Bryan & Sofia: YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: ht…
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In this episode Bryan & Sofia discuss how the pandemic transformed our interest rate expectations, the path to buying your forever home, why rates will have to come down, how you can benefit now as a first-time home buyer, a recent commissions lawsuit settlement, surviving winter up north, college football, and more! Connect with Bryan & Sofia: You…
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