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Speaker 1: So I went to Disney World for the first time.

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Speaker 1: I know, it's random. Hey guys, brown ambition and blah

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Speaker 1: blah blah. I'm Tiffany, that's Mandy. But let's get to

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Speaker 1: the important stuff. Disney World. And I saw pictures your

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Speaker 1: mom is super cute from your bridal shower.

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Speaker 2: Wow, I can't keep up.

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Speaker 1: Well, I am, I just woke up from a napstarm loopy.

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Speaker 1: I'm like, oh, so many things. Okay, I'm five.

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Speaker 2: Disney World. Okay, for the first time ever, you went

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Speaker 2: to Disney World.

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Speaker 1: Yeah, I didn't go as a kid. My dad and

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Speaker 1: mom were like, yeah, there's five of you, So that's

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Speaker 1: not happening, man.

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Speaker 2: What so just for the hell of it, or were

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Speaker 2: you down there for work already?

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Speaker 1: Well? Yeah, So the team and I we were relaunching

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Speaker 1: and reopening the Literature Academy, and so there's some things

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Speaker 1: that we just wanted to do in person, and we

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Speaker 1: always promised ourselves the next time, like the core team,

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Speaker 1: the next time we reopened the Academy and launched it again,

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Speaker 1: that we would do it someplace warm, because I think

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Speaker 1: the first time was like in Jersey and like in

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Speaker 1: the winter. So we all flew down to Orlando and

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Speaker 1: the last day we were kind of out there. Our

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Speaker 1: director he does like all our videos and stuff. He

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Speaker 1: was like, I'm going to Disney World. Om are you

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Speaker 1: guys wanna come? And I was like, the happiest place

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Speaker 1: in the world on Earth. Yeah, and it was indeed

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Speaker 1: the happiest place on that I had such a fun time.

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Speaker 2: What's the going rate for Disney World right now? I

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Speaker 2: have no idea.

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Speaker 1: I think it was like one hundred and ten or

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Speaker 1: twenty nine, but we had the hookup hollow if you

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Speaker 1: haar me. I'm not certain how much we should I

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Speaker 1: should talk about it. I'm going to talk about it.

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Speaker 1: So we met somebody who worked at Disney and let's

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Speaker 1: just say we didn't have to pay full price.

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Speaker 2: So you got a friends and family discount.

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Speaker 1: Yeah, is what we'll call it. A cash only friends

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Speaker 1: and family just got me.

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Speaker 2: With anyone who sweat their life out waiting in line

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Speaker 2: a Disney World as a child. Me is a little

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Speaker 2: bitter about that, but that's okay.

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Speaker 1: But we just had such a good time. Yeah, what

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Speaker 1: it was. I mean, I could see how a parent

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Speaker 1: bringing a kid would be very overwhelming because it's just

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Speaker 1: a lot you know, but like as like three adults

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Speaker 1: who can like be like, yeah, we don't want to

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Speaker 1: do that, we want to do this. It was just

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Speaker 1: really a lot of fun.

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Speaker 2: I feel like that is the way to do is

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Speaker 2: to Disney World. Like my parents took us, all three

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Speaker 2: of us. There's four of us, but they took the

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Speaker 2: three of us a few times. I guess when they

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Speaker 2: had four they were like hell no, but they took

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Speaker 2: three of us. And I was like under the age

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Speaker 2: of five, and I look at photos and every photo

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Speaker 2: I'm like, I look sad, I'm crying, I'm like pitching

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Speaker 2: a fit, and I'm like, man, maybe they should have

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Speaker 2: waited until I was old enough to appreciate the experience

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Speaker 2: and not just whining because you know, I had to

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Speaker 2: walk around Disney year old. But the like the good parts,

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Speaker 2: like the one of the best things that I have

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Speaker 2: from that time. It's like all the little videos, home videos,

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Speaker 2: old school videos of my family at Disney World. They

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Speaker 2: were it wasn't all like dramatic mandy moments, but yeah,

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Speaker 2: did you know that you could. One of the things

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Speaker 2: I did recently was I found all my dad's and

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Speaker 2: my mom's old VHS tapes and I it wasn't cheap,

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Speaker 2: but I went and got them like converted into digital

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Speaker 2: files and DVDs because they were like falling apart. I mean,

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Speaker 2: the tape was coming out and I wanted a way

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Speaker 2: to preserve those memories, and I went to Walgreens. I

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Speaker 2: wonder if anyone out there has been to a better

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Speaker 2: like has an idea of a better service. But we

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Speaker 2: just picked Walgreens randomly and it took a couple of weeks.

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Speaker 2: But now it's really cool because now we have them

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Speaker 2: like online.

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Speaker 1: That's awesome.

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Speaker 2: I think it was maybe twenty bucks per DVD. I

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Speaker 2: want to say I spent a couple hundred bucks on it,

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Speaker 2: but that was for maybe yeah, I think.

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Speaker 1: Yeah, because it's like these are things you're never going

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Speaker 1: to be able to see again. We weren't really like

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Speaker 1: a videoing family. I mean, we took a lot of pictures,

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Speaker 1: but not really a whole lot of video or I'm

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Speaker 1: trying to think maybe we did. Who knows, because you know,

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Speaker 1: we all had those little video cameras. I think my

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Speaker 1: dad does have. I should look because that would be

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Speaker 1: great to look back and be like, oh my gosh,

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Speaker 1: look at young Tiff acting like a brad.

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Speaker 2: Well, that's really awesome. Well, joke's on you, because the

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Speaker 2: weather here was like amazing this.

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Speaker 1: Week, I know, and meanwhile it was like raining, and

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Speaker 1: I was like, are you kidding me, Orlando, get it together.

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Speaker 1: I know. Two days, the first two days, well those

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Speaker 1: are the days we were kind of like hold up

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Speaker 1: in the house. So what we did was it was

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Speaker 1: just cheaper because we were all flying from different places.

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Speaker 1: Like like my marketing and business partner he was like

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Speaker 1: flying from like I don't even know, He's always in

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Speaker 1: some part of Thailand. The director was flying from like

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Speaker 1: Columbia or something like that. My coo Sierra was flying

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Speaker 1: from Philly, and I was actually flying in from Boston

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Speaker 1: because I was in Boston to do a speaking event.

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Speaker 1: So we were literally all flying in from like all

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Speaker 1: around the world. And then we just got a really

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Speaker 1: dope airbnb. So it was like four bedroom, three bathroom,

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Speaker 1: and we were there for I think like four days,

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Speaker 1: and so the first two and a half three days

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Speaker 1: were really just like ten to twelve our work days.

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Speaker 1: So like a lot of folks were like, oh my god,

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Speaker 1: I wish I was there. I'm like, no, you don't.

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Speaker 1: It was brutal because we'd.

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Speaker 2: Go to bed like an off site.

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Speaker 1: Yes, because we had to, because you wanted to focus

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Speaker 1: when you're home, like there's so many distractions, but here

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Speaker 1: it's we literally like wake up, eat, work, go to sleep,

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Speaker 1: right because we just really wanted to make sure that

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Speaker 1: this was going to really be the last time we

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Speaker 1: launched the Academy again, and so we really wanted to

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Speaker 1: like go out with like a bang. And so we

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Speaker 1: were just like, let's get core team in one place

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Speaker 1: so we could just focus and there were like literally

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Speaker 1: no distractions. It was like either you're working or you're

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Speaker 1: sleeping or eating. That's it. And then the last day

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Speaker 1: we were like, you know what, almost everything's done. We

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Speaker 1: did a little work in the morning, and you know,

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Speaker 1: when JP Or and you know, our director said let's

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Speaker 1: go to Disney, I was like, yeah, let's say it.

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Speaker 1: I bought my Mickey Mouse or Minie Mouse ears yo,

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Speaker 1: me and Sierra, my CEO. We were like giddy the

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Speaker 1: whole time, like, oh my god, I'm like we're here.

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Speaker 2: I love that you brought your own ears because you

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Speaker 2: knew they'd be like twenty five dollars.

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Speaker 1: No no, no, no, no, no, I mean I bought them.

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Speaker 1: I mean me and I bought them at at Disney.

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Speaker 1: But no, okay, it's yeah, you know, because you know

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Speaker 1: got that food, Ali, if you hear me. But we

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Speaker 1: had so much fun. Honestly, we were terrible. We were like,

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Speaker 1: so what is this fast pass? Elaine? Can we just

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Speaker 1: go on the other side? I guess we can the

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Speaker 1: difference between a one hour wait and a three minute wait. Yes,

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Speaker 1: I did, and I'm not ashamed of it. I'm not

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Speaker 1: mad at you, right, Disney hacks.

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Speaker 2: Listen, we can't. We have to talk about the Oscars, right, Yeah,

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Speaker 2: we do. Yeah, I know you probably didn't watch it.

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Speaker 2: Don't worry. I watched it for you.

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Speaker 1: Okay.

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Speaker 2: The entire thing, except for the last twenty seconds, which

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Speaker 2: turned out to be the most import were in tie

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Speaker 2: seconds of the night. So I think, like a lot

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Speaker 2: of people, as soon as La La Land was announced

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Speaker 2: as Best Picture winner, I was like, Okay, it's eleven forty.

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Speaker 2: I need to go to sleep. It's fine. I don't

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Speaker 2: need to hear their speech, you know, sad move. I

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Speaker 2: was sad that Moonlight didn't win, But like, at the

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Speaker 2: same time, I really liked La La Land, so I

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Speaker 2: didn't go to bad ang. I didn't go to bed angry,

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Speaker 2: but I woke up at like six and I was

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Speaker 2: scrolling through in like Twitter and Facebook, and I was

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Speaker 2: so confused. I was like, what is all this moonlight

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Speaker 2: and like and then I saw the video that is crazy?

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Speaker 1: Yeah, do you think it was on purpose? Like a joke? No?

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Speaker 2: No, no. So I have been following all the news

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Speaker 2: today and they finally figured out what happened. So essentially,

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Speaker 2: at this award, at the Oscars, Price Waterhouse Coopers is

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Speaker 2: this huge accounting firm and they are in charge for

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Speaker 2: the last eighty years of counting the ballots and creating

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Speaker 2: the envelopes that announce the winners, and they keep them

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Speaker 2: under lock and key. There's two people assign and they

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Speaker 2: each have one briefcase, and one person is standing on

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Speaker 2: either end of the stage just to be ready for

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Speaker 2: whichever side the presenters come out. So if you come

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Speaker 2: from the left, you get an envelope from that person.

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Speaker 2: If you come from the right, then the other person

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Speaker 2: hands you their envelope. And everything went fine the whole night,

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Speaker 2: and then when they got to best Picture, the guy

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Speaker 2: who was handing the envelope to the presenter who was

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Speaker 2: who were fade unaway and Warren Batty handed them the

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Speaker 2: wrong envelope, handed them his copy of the Best Actress

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Speaker 2: winner who the other person? You had the car? The

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Speaker 2: other his counterpart on the other side, had already handed

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Speaker 2: out her Best Actress envelope to the other presenter, so

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Speaker 2: he had one left because that presenter hadn't come from

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Speaker 2: his side, and instead of handing the Best Picture envelope,

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Speaker 2: he handed the Best Actress. But what boggles the mind

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Speaker 2: is that Warren Batty, if you watch it, like if

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Speaker 2: you were watching live like I was, I was like,

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Speaker 2: why is he trying to make this drag out and

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Speaker 2: be funny about it? Because he opened it and looked

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Speaker 2: and he smart and then he showed it to Fay

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Speaker 2: and he's like, you know, like it felt like he

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Speaker 2: was screwing with everyone, and I was like, just say it.

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Speaker 2: And then Fay is like, oh, it's La La Land.

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Speaker 2: And it turns out what he had why he was

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Speaker 2: so confused is because it said best Actress from La

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Speaker 2: La Land. But they read it anyway, which is like

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Speaker 2: if I don't know, I mean, I guess you can

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Speaker 2: say what they do in their shoes. But like someone

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Speaker 2: should have been like, wait a second, and let's figure

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Speaker 2: out what is happening before. And then it took over

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Speaker 2: two minutes like la Land, and then was up there

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Speaker 2: like three people had given speeches. Three and then you

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Speaker 2: see you see a guy with like a headset kind

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Speaker 2: of milling, and you see some confused faces in the

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Speaker 2: crowd behind the people giving speeches, and all of a sudden,

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Speaker 2: the guy who's giving a speech cuts himself off and

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Speaker 2: he's like, actually, guys, we lost. And then the I

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Speaker 2: forget I don't know who exactly it was. One of

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Speaker 2: the producers held up the correct envelope and said, Moonlight,

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Speaker 2: there's been a mistake. You guys won. Yeah, and the

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Speaker 2: entire holy crazy crazy, and then the Moonlight cast is

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Speaker 2: like and he had to keep saying, it's not a joke,

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Speaker 2: it's not a joke. You guys won, And he held

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Speaker 2: up the envelope and the camera got it and you

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Speaker 2: can see Moonlight best picture. And then of course everyone

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Speaker 2: in the like there's a great meme of like Taraji

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Speaker 2: and Octavia Taragi's face just like the whole night. They

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Speaker 2: should have had a camera on her face for every moment.

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Speaker 2: She is the best. Everyone just like lost their minds.

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Speaker 2: That's like, gee, never happened ever. I mean there was

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Speaker 2: one time I read, like in the sixties when Sammy

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Speaker 2: Davis Junior messed up the the music like the Best

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Speaker 2: Song Winner or something like that. But nothing never best picture.

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Speaker 1: The best picture is like the Oscar.

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Speaker 2: Yeah, that's the reason everyone watches for three and a

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Speaker 2: half four hours. And so there's been all you know,

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Speaker 2: of course, there's been like think pieces on you know,

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Speaker 2: stealing the moment from Moonlight and you know they were

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Speaker 2: sort of robbed of their whole win or whatever.

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Speaker 1: I mean.

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Speaker 2: This is a film with an all black cast about

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Speaker 2: a gay teenager being bullied and his mother who's a

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Speaker 2: crack addict, and he's taken in by a drug dealer

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Speaker 2: in his neighborhood and it shows his his like journey

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Speaker 2: through adults from childhood to adulthood, and you see three

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Speaker 2: versions of his life. I mean, like, this is a

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Speaker 2: type of black film that's never one best picture.

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Speaker 1: Yeah.

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Speaker 2: Ever, Like, it's not about slavery, it's not about some

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Speaker 2: you know, sexual someone being sexually assaulted. It's not about

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Speaker 2: it's not a negative you know, it's it's a it's

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Speaker 2: a it's an lgbt Q story about a black boy

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Speaker 2: for boy. On so many levels, it's a groundbreaking it's

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Speaker 2: based on a play like I.

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Speaker 1: Mean, yeah, yeah, he was the first Muslim they ever

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Speaker 1: ran an oscar? Was it? Yeah?

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Speaker 2: Maherschela ali One had just had won. He was like

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Speaker 2: the first award of the night. He won Best Supporting

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Speaker 2: Actor for playing Wan in the movie who was the

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Speaker 2: drug dealer of like godfather to Sharon who's the boy

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Speaker 2: or Chyne who's the boy in the film. But anyway,

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Speaker 2: so like you you could you understand why people were

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Speaker 2: like it was already going to be historic for them

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Speaker 2: to win, but the fact that they won like in

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Speaker 2: that way, some people were upset that they felt like

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Speaker 2: the beauty and like the purity of that win was lost.

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Speaker 2: But then I kind of, I don't know, it almost

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Speaker 2: became like a The way that they handled it, the

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Speaker 2: way that La La Land handled it, and the way

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Speaker 2: that Barry Jenkins handled it, I thought was really beautiful

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Speaker 2: because as soon as Barry got up there, he was

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Speaker 2: thanking the La La Land producer. He's like that was

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Speaker 2: that was so gracious. I don't know what I would

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Speaker 2: have done in that position. I mean to find out

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Speaker 2: that you won and then you lost, Like that's freaking

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Speaker 2: embarrassing and like.

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Speaker 1: Crush, Yeah, no it is because it's not their fault.

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Speaker 1: It's not allow of catch fall. Yeah, so it's but

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Speaker 1: you're rack like I did see some interviews like Emma

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Speaker 1: Stone it's an actor, and she was just like, you know,

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Speaker 1: she was like, honestly, is it disappointing? Yeah, of course,

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Speaker 1: but honestly I love Moonlight and she just was gushing

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Speaker 1: about it, and I thought, you know that despite all

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Speaker 1: of that that and even like you said, I mean,

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Speaker 1: you don't know what you did if you're up there,

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Speaker 1: I know, the warm babies, like, what the entire hell

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Speaker 1: is going on?

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Speaker 2: He came out later He's like I just wanted to

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Speaker 2: explain what happened, and he's kind of and then Jimmy Kimmel,

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Speaker 2: the host, he I thought he did a you know,

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Speaker 2: the best he could, trying to like like deflect or

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Speaker 2: not deflect, but like calm down that he cracked us

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Speaker 2: Stevie Stevie Steve Harvey joke. He was like, I blame

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Speaker 2: Steve Harvey.

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Speaker 1: That was good. If you ever get in trouble, just

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Speaker 1: blame Steve Harper.

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Speaker 2: Just blame because I mean, but I was like, that's

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Speaker 2: miss America. This is the freaking Academy. Yay, all drama

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Speaker 2: and all that aside, Like Moonlight is I mean, if

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Speaker 2: you haven't seen it yet, watch it. It is beautiful,

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Speaker 2: and then watch Moonlight too, because it's beautiful. I've said before,

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Speaker 2: it's so impossible to compare the two movies. They are

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Speaker 2: two different. I think to say one is better than

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Speaker 2: the other. I think they're both extraordinary for what they are.

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Speaker 2: But Moonlight, like, there's never like in terms of like

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Speaker 2: originality the subject matter, there was not another There's never

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Speaker 2: been a film like it. But you should go see it.

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Speaker 1: No, that sounds awesome. I mean unless I know, have

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Speaker 1: you followed this Remy Ma Nicki Minaj's beef.

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Speaker 2: Was like while we're here, Oh no, I just thought, like,

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Speaker 2: we hardly know who remym is?

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Speaker 1: Can I admit that? No, that's fine because I don't.

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Speaker 2: I think I saw her on him on Spotify?

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Speaker 1: Is it him? Y? Yeah, she almost had it her. Sorry,

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Speaker 1: Millennials are like, who's remy Ma? I think it's hilarious,

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Speaker 1: but I'm like millennials like, oh my god, this thing

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Speaker 1: is going to give remy mind like a whole career.

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Speaker 1: I'm like, girl, I was here, she was here. She

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Speaker 1: was before Nicki Minaj was anything. There was Remy Ma.

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Speaker 1: So she was like back in the day when they

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Speaker 1: used to have like rap crewise they still have somewhat,

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Speaker 1: but like how Young Money which is Drake and like

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Speaker 1: you know, or cash Money Drake and and and Little

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Speaker 1: Wayne and all of them. So back then Terror Squad

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Speaker 1: was like a crew which was Fat Joe, Remy Ma.

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Speaker 1: Oh what is the other guy's name? That big pun.

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Speaker 1: So they were like all Hispanic for the most part,

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Speaker 1: I'm thinking, is remy Hispanic? I think so. So anyway,

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Speaker 1: she was like the girl of that crew. How like

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Speaker 1: Little Kim was like the girl crew with like Junior

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Speaker 1: Mafia and Big you know. So anyway, so Remy Ma

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Speaker 1: she got into trouble for beating up and allegedly shooting

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Speaker 1: one of her friends over money, I think whatever. She

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Speaker 1: went to jail for a long time, like nine years,

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Speaker 1: and then she came out. So she was she went

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Speaker 1: to jail really at the height of her she was

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Speaker 1: just starting to really build her her career. She went

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Speaker 1: to jail for doing that, came back and then landed

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Speaker 1: a spot on Love and Hip Hop, where, oddly enough,

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Speaker 1: she wasn't really the drama one like you know, like

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Speaker 1: everybody else on those Love and Hip hop kind of shows,

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Speaker 1: it's all about dramatics, but her her storyline on there

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Speaker 1: is really about her and her husband, who like waited

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Speaker 1: for her. They got married right before she she one

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Speaker 1: away or she I think day actually got married while

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Speaker 1: she was in prison, and I don't know. It's it's

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Speaker 1: oddly beautiful their love story and how much he loves her.

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Speaker 2: So that's oh, oh okay, I'm trying to catch up

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Speaker 2: while you're talking. Wait, it's like the Mink mil Drake

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Speaker 2: beef of twenty sixteen.

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Speaker 1: Yeah, kind of a girl because they haven't really had

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Speaker 1: female rap hip hop beef in a long time.

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Speaker 2: Was she like beefing with Little Kim?

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Speaker 1: No, so, Nicki Minaj was a little bit beefing, was

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Speaker 1: Little Kim, Because I guess Kim felt that Nikki kind

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Speaker 1: of basically stole her whole swag, which I'm not gonna

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Speaker 1: say I disagree with. I mean, you know, Nicki's like

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Speaker 1: when you really look at Little Kim and like even

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Speaker 1: some of the ways she dresses where Nikki dressed at first,

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Speaker 1: and some of her inflections and cadence and stuff like that.

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Speaker 1: I'm not gonna totally disagree, so but you know, but

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Speaker 1: no one has really been able to when they've kind

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Speaker 1: of come at Nikki really make a DBT and then

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Speaker 1: enter in remim aka Gangsta Boo and so she. I

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Speaker 1: guess Remy has been putting out music and actually surprisingly

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Speaker 1: because you know, you don't often get a chance to

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Speaker 1: come back, her music has been doing well. She just

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Speaker 1: got nominated for a Grammy. She had a song out

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Speaker 1: where people were like, ooh, are you talking about Nicki,

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Speaker 1: and she specifically addressed and said no, Like in an interurview,

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Speaker 1: she said, I'm not talking about Nicki stopped trying to

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Speaker 1: make beef between rap women. But I guess Nicki felt

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Speaker 1: like she was talking about her. So Nicki went on

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Speaker 1: to do I think two cameos where she clearly was

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Speaker 1: dissing remiwand so Remi wand came out with a song

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Speaker 1: called Sheather, which is the play on ether. I don't

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Speaker 1: know if you remember the I don't know how you

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Speaker 1: cannot remember the jay z Nos beef, which was put

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Speaker 1: to bed by Naz's epic most epic diss record of

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Speaker 1: all time, Fight Me if you want, called Ether where

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Speaker 1: he kills jay Z on this record, and so she

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Speaker 1: did like a play on it called Sheather with the

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Speaker 1: same beat. And although I was not like super impressed

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Speaker 1: with the flow and stuff, just the things that she

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Speaker 1: was saying were like, well, the part that really struck

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Speaker 1: me wasn't really anything else other than the financial I

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Speaker 1: was like, wow, because you know, me financed. So here's

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Speaker 1: the part that struck me. For those of you're like,

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Speaker 1: where's all this going? The financial piece, I was like,

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Speaker 1: So rebby Las says in this rap, Nikki, you have

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Speaker 1: a three sixty deal, which is supposed to be like

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Speaker 1: the worst deal in the in the in the record industry.

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Speaker 1: And what that deal is is like a major record

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Speaker 1: label gets on like a major artist. So let's just

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Speaker 1: say Lil Wayne, and then Lil Wayne is under or

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Speaker 1: or signed somebody like a Drake, So Lil Wayne now

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Speaker 1: has its own record label under that label, and then

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Speaker 1: Drake has his own record label under Little Wayne. So

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Speaker 1: basically it's like major record label, major artists record label

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Speaker 1: under them, then major artists under them's recular so like

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Speaker 1: three record labels, and then they signed Nikki, so like,

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Speaker 1: that's like, I mean, that's not exactly what happened, but

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Speaker 1: I think she said first it's like Republic, then cash money,

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Speaker 1: then young money or something like that. And she says

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Speaker 1: in the rap that five people touch your money before

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Speaker 1: you do, because it's one of the worst deals because

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Speaker 1: one you're not directly signed, so you're not It's bad

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Speaker 1: enough that a label gets a cut, but it's like

401
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Speaker 1: main label gets a cut, secondary label gets a cut,

402
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Speaker 1: third label gets a cut before you get a cut.

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Speaker 1: And then on top of that, with this three sixty deal,

404
00:19:17,600 --> 00:19:21,120
Speaker 1: apparently you are responsible for paying for everything, so you're

405
00:19:21,840 --> 00:19:23,159
Speaker 1: you have to pay for your tour, you have to

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00:19:23,160 --> 00:19:25,520
Speaker 1: pay for your for your videos, you have to pay

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Speaker 1: for everything before you get any money. So it's very difficult.

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Speaker 1: Although Nikki is very successful remy Mansea, you know, you

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Speaker 1: can say what you want, but I own all my publishing,

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Speaker 1: I own the rights and the masters to all my music.

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Speaker 1: So she was like, for every one record I sell

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Speaker 1: for you to make the same amount of money, you

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Speaker 1: have to sell ten. And I just thought that was

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Speaker 1: really interesting, like wow, that people are still signing deals

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Speaker 1: that put them in a financial space. Like that, where

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Speaker 1: like you we've all like you know, seem like you know,

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Speaker 1: you hear about a new edition all of these kind

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Speaker 1: of like old skilled musical acts that like TLC that

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Speaker 1: got one dollar for going on tour that basically the

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Speaker 1: label charges them to be an artist and owns all

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Speaker 1: of their rights. And I just thought, wow, NICKI has

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Speaker 1: a deal like that. So that's the part that kind

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Speaker 1: of interests me, Like, wow.

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Speaker 2: Now see where was remy ma when Nicki needed a

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Speaker 2: mentor and a woman to help her navigate these treacherous

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Speaker 2: waters of like jail business. But like you know how

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Speaker 2: it is, I'm trying to think of a teaching moment

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Speaker 2: out of all this, and it's like, at what point

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Speaker 2: do you I mean, competition among women in professional careers

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Speaker 2: is always like, you know, it's hyped. You know, it's

431
00:20:32,800 --> 00:20:36,360
Speaker 2: people love it, people love the cattiness and stuff like that.

432
00:20:36,440 --> 00:20:38,840
Speaker 2: But at the same time, I feel like, you know,

433
00:20:38,880 --> 00:20:42,280
Speaker 2: we should a lot of cases or maybe not as like,

434
00:20:42,480 --> 00:20:45,280
Speaker 2: but doesn't get publicized is when women actually help women

435
00:20:45,359 --> 00:20:48,440
Speaker 2: and don't use each other to get into the limelight.

436
00:20:48,520 --> 00:20:52,760
Speaker 2: And yeah, it's just mean. And like NICKI was young

437
00:20:52,760 --> 00:20:54,399
Speaker 2: when she signed that contract. I bet I know. I

438
00:20:54,400 --> 00:20:55,640
Speaker 2: bet she knows it's a shitty deal.

439
00:20:56,119 --> 00:20:59,520
Speaker 1: Yeah, I'm sure regrets it. It's also hip hop, like honestly,

440
00:20:59,560 --> 00:21:03,280
Speaker 1: I know a lot of it is. Yeah, and as

441
00:21:03,320 --> 00:21:04,920
Speaker 1: long as to me, it's like, you know, part of

442
00:21:05,000 --> 00:21:08,000
Speaker 1: hip hop history that you know, you're who can be

443
00:21:08,040 --> 00:21:11,720
Speaker 1: the most clever with their words of really like exposing

444
00:21:11,760 --> 00:21:13,720
Speaker 1: the other person, but like only on words like like

445
00:21:13,760 --> 00:21:16,359
Speaker 1: the jay Z NOAs honestly, like you know, jay Z

446
00:21:16,480 --> 00:21:19,800
Speaker 1: went on to continued success and did as did NOAs

447
00:21:20,200 --> 00:21:23,159
Speaker 1: and we have an epic like rap battle that we

448
00:21:23,200 --> 00:21:25,120
Speaker 1: look back on and they're cool now. So I don't

449
00:21:25,119 --> 00:21:26,880
Speaker 1: mind hip hop beef because it's part of hip hop.

450
00:21:27,040 --> 00:21:28,919
Speaker 1: So I don't mind you know that. I guess I

451
00:21:29,000 --> 00:21:31,159
Speaker 1: was just like, wow, it's just interesting because one of

452
00:21:31,200 --> 00:21:33,720
Speaker 1: my cousins works in the music industry. He's actually like

453
00:21:33,760 --> 00:21:36,879
Speaker 1: the the A and R Global an R for one

454
00:21:36,880 --> 00:21:39,440
Speaker 1: of these major labels. He's really young too, but he's

455
00:21:39,440 --> 00:21:41,120
Speaker 1: worked for almost all of the labels you can think

456
00:21:41,119 --> 00:21:43,879
Speaker 1: of what all the labels that cater to hip hop,

457
00:21:44,160 --> 00:21:47,840
Speaker 1: and he's actually signed Katy Perry. His name is Chris

458
00:21:47,880 --> 00:21:50,720
Speaker 1: Annakute and he used to tell me all the time

459
00:21:51,160 --> 00:21:54,080
Speaker 1: that he once came to speak at a at a

460
00:21:54,080 --> 00:21:57,040
Speaker 1: boys and girls club and they were asking him he's

461
00:21:57,280 --> 00:21:59,800
Speaker 1: he was one of the people that helped to break Riyana.

462
00:22:00,320 --> 00:22:03,399
Speaker 1: Upon the replay, he signed the guy that wrote that

463
00:22:03,480 --> 00:22:06,479
Speaker 1: song for Rihanna, And so he would say all the

464
00:22:06,480 --> 00:22:09,560
Speaker 1: time that you know, oftentimes the musicians on the road

465
00:22:09,680 --> 00:22:13,040
Speaker 1: are making more than the artists. So he was like, like,

466
00:22:13,119 --> 00:22:14,760
Speaker 1: for example, if you're on the road and you have

467
00:22:14,880 --> 00:22:18,520
Speaker 1: like say like a piano player, they are guaranteed a

468
00:22:18,560 --> 00:22:21,000
Speaker 1: salary of like, okay, they're making sixty eighty thousand dollars

469
00:22:21,040 --> 00:22:24,720
Speaker 1: a year. The musician is not because their money comes

470
00:22:24,800 --> 00:22:27,159
Speaker 1: after everyone else is paid. And I just thought that

471
00:22:27,280 --> 00:22:29,600
Speaker 1: was so fascinating back then. And he was like, you know,

472
00:22:29,640 --> 00:22:33,119
Speaker 1: if you're in the music industry to grow wealth, that

473
00:22:33,320 --> 00:22:35,160
Speaker 1: being in front of the camera is not the place

474
00:22:35,200 --> 00:22:37,280
Speaker 1: to do it. So that was kind of like his

475
00:22:37,400 --> 00:22:38,960
Speaker 1: role to kind of teach the kids of all the

476
00:22:38,960 --> 00:22:40,760
Speaker 1: ways you could be part of the music industry that

477
00:22:40,800 --> 00:22:43,679
Speaker 1: actually makes money without having to pick up a microphone,

478
00:22:43,920 --> 00:22:46,040
Speaker 1: because these other ways make way more And I thought, wow,

479
00:22:46,119 --> 00:22:48,800
Speaker 1: he was kind of listing artists that well, I won't

480
00:22:48,800 --> 00:22:50,800
Speaker 1: list them, but like artists back then that he was

481
00:22:50,800 --> 00:22:53,119
Speaker 1: like nope, no money, no money. Oh yeah, money, no money,

482
00:22:53,160 --> 00:22:56,960
Speaker 1: no money. And I was like wow, So sometimes people look.

483
00:22:56,800 --> 00:22:59,000
Speaker 2: At it, that's right if everyone lost their mind when

484
00:22:59,080 --> 00:23:02,640
Speaker 2: Chance the Rapper won Grammy. Yeah, that's a self made

485
00:23:02,640 --> 00:23:04,760
Speaker 2: I mean he doesn't have a label. I mean he

486
00:23:04,840 --> 00:23:07,159
Speaker 2: was like he thinks SoundCloud in his speech, you know

487
00:23:07,160 --> 00:23:07,560
Speaker 2: what I mean?

488
00:23:07,720 --> 00:23:10,600
Speaker 1: Like yes, which is dope though, because what he's doing,

489
00:23:10,640 --> 00:23:14,720
Speaker 1: single handedly, honestly is changing the industry, because the fact is,

490
00:23:15,320 --> 00:23:19,560
Speaker 1: you know, the music industry is really leans upon taking

491
00:23:19,600 --> 00:23:24,320
Speaker 1: advantage of art and people's. People's one their eagerness to

492
00:23:24,359 --> 00:23:26,840
Speaker 1: want to get their music and their their talent out there,

493
00:23:27,119 --> 00:23:29,359
Speaker 1: and two their their lack of knowledge of how things

494
00:23:29,400 --> 00:23:31,560
Speaker 1: actually work, and chances like no, you will not take

495
00:23:31,560 --> 00:23:33,480
Speaker 1: advantage of me. No, you will not own my voice.

496
00:23:33,600 --> 00:23:36,520
Speaker 1: I remember there was a there was a case where

497
00:23:36,560 --> 00:23:39,400
Speaker 1: I forget who it was. It was a singer who

498
00:23:39,440 --> 00:23:42,720
Speaker 1: had finally left the record label and they owned that

499
00:23:42,840 --> 00:23:46,199
Speaker 1: singer's I guess material, and he went on to do

500
00:23:46,280 --> 00:23:50,639
Speaker 1: another album and they sued him for a copyright infringement

501
00:23:51,560 --> 00:23:53,120
Speaker 1: and they went to course for it. They're like, yeah,

502
00:23:53,160 --> 00:23:55,119
Speaker 1: your album sounds like this other album. He's like it's me,

503
00:23:56,280 --> 00:23:58,520
Speaker 1: what do you mean? So basically they're like, you can't

504
00:23:58,560 --> 00:24:01,080
Speaker 1: sound like yourself on your new album not that Wow,

505
00:24:01,200 --> 00:24:04,399
Speaker 1: how terrible. So it's just a lesson to anyone starting

506
00:24:04,440 --> 00:24:05,760
Speaker 1: a business, anyone.

507
00:24:05,600 --> 00:24:08,560
Speaker 2: Especially the artists, Like there's yeah, I think more vulnerable

508
00:24:09,160 --> 00:24:12,000
Speaker 2: like group of professionals than working artists who are just

509
00:24:12,040 --> 00:24:13,040
Speaker 2: struggling to get by.

510
00:24:13,880 --> 00:24:16,320
Speaker 1: Exactly that you have to own and keep ownership of

511
00:24:16,400 --> 00:24:19,919
Speaker 1: your things because if not at least majority ownership. If not,

512
00:24:19,960 --> 00:24:22,720
Speaker 1: then you put yourself in a position to you know,

513
00:24:23,240 --> 00:24:26,720
Speaker 1: literally see your product grow and make money and not

514
00:24:26,760 --> 00:24:27,880
Speaker 1: be able to benefit from that.

515
00:24:28,520 --> 00:24:30,639
Speaker 2: Yeah, that's one of the reasons why I didn't launch

516
00:24:30,680 --> 00:24:33,000
Speaker 2: the Brown Ambition, why I decided to do this on

517
00:24:33,040 --> 00:24:35,639
Speaker 2: my own with us, you know, as an independent venture,

518
00:24:35,760 --> 00:24:38,800
Speaker 2: because I could have launched it with Yahoo and was

519
00:24:38,880 --> 00:24:40,639
Speaker 2: you know, I was with Yahoo at the time. But

520
00:24:40,840 --> 00:24:44,120
Speaker 2: the idea of like, you know, you know how things

521
00:24:44,160 --> 00:24:46,240
Speaker 2: work when you're attached to a huge company like that,

522
00:24:46,440 --> 00:24:50,919
Speaker 2: and it's you become sort of like another another project

523
00:24:50,960 --> 00:24:52,679
Speaker 2: and you have to meet metrics and you have to

524
00:24:52,720 --> 00:24:55,440
Speaker 2: sort of like fight for your fight, you know, get

525
00:24:55,440 --> 00:24:58,080
Speaker 2: input from outside voices and like it sort of Yeah,

526
00:24:58,160 --> 00:25:01,040
Speaker 2: becomes less about you, and and I was like, I

527
00:25:01,080 --> 00:25:03,080
Speaker 2: want to something that can stand on its own two

528
00:25:03,080 --> 00:25:04,880
Speaker 2: feet and that if I leave, it's not like it's

529
00:25:04,920 --> 00:25:08,320
Speaker 2: tied to this. It's sort of like like like diversifying.

530
00:25:09,680 --> 00:25:11,600
Speaker 2: And you do the same thing with you you write

531
00:25:11,600 --> 00:25:13,760
Speaker 2: your ebooks and you don't go through a publisher, and

532
00:25:13,800 --> 00:25:16,439
Speaker 2: then you get what like seventy percent of the profits

533
00:25:16,560 --> 00:25:19,040
Speaker 2: versus like eleven percent if you were to use.

534
00:25:20,760 --> 00:25:23,400
Speaker 1: If I'm lucky, I know somebody who was like literally

535
00:25:23,440 --> 00:25:28,480
Speaker 1: like like our very finance mother. She shared that like honestly,

536
00:25:28,520 --> 00:25:31,160
Speaker 1: she's like, uh, like her money, like when it comes

537
00:25:31,200 --> 00:25:34,080
Speaker 1: to book sales mostly comes from her independent books. That

538
00:25:34,160 --> 00:25:37,320
Speaker 1: she has books that New York Times bestsellers, and she

539
00:25:37,359 --> 00:25:40,280
Speaker 1: has books that have been published traditionally. But she was

540
00:25:40,320 --> 00:25:43,240
Speaker 1: like those books helped to fuel the sales of the

541
00:25:43,280 --> 00:25:45,520
Speaker 1: books that actually make her money. And I've had a

542
00:25:45,520 --> 00:25:47,760
Speaker 1: book agent come up to me just last year, you know,

543
00:25:47,840 --> 00:25:50,959
Speaker 1: after selling like so many of like because by then

544
00:25:51,000 --> 00:25:53,720
Speaker 1: I had three best selling books on Amazon, and agent

545
00:25:53,760 --> 00:25:55,280
Speaker 1: approached me. It was like, you know, we really like

546
00:25:55,359 --> 00:25:57,800
Speaker 1: to talk to you about maybe traditional publishing. And I

547
00:25:57,800 --> 00:26:00,359
Speaker 1: said okay. So we had a meeting and when we

548
00:26:00,359 --> 00:26:02,800
Speaker 1: broke down the numbers and I was telling her, you know,

549
00:26:02,880 --> 00:26:04,920
Speaker 1: like how much I was making in my audience size,

550
00:26:04,960 --> 00:26:10,159
Speaker 1: and she kind of was like, so, I'm gonna be honest,

551
00:26:10,680 --> 00:26:13,199
Speaker 1: there's no reason for you to sign with me. And

552
00:26:13,240 --> 00:26:15,679
Speaker 1: I was like really, She was like yeah. She was like,

553
00:26:15,760 --> 00:26:17,879
Speaker 1: I mean, we're not going to get seventy percent. She

554
00:26:18,080 --> 00:26:20,239
Speaker 1: was like, you know, typically I could tell you, oh,

555
00:26:20,240 --> 00:26:22,280
Speaker 1: we could expose you to a larger audience. You've already

556
00:26:22,280 --> 00:26:24,760
Speaker 1: built your audience. She said. The only thing I could

557
00:26:24,760 --> 00:26:27,760
Speaker 1: say is that if you sign with a larger publisher,

558
00:26:28,240 --> 00:26:30,560
Speaker 1: you know, oftentimes we're able to get you on more

559
00:26:30,640 --> 00:26:33,760
Speaker 1: national television more regularly. Because we pitched in a group,

560
00:26:33,840 --> 00:26:36,640
Speaker 1: so you know, a larger publisher has like really great

561
00:26:36,720 --> 00:26:39,800
Speaker 1: contacts at Good Morning America or Today's show and says, hey,

562
00:26:39,840 --> 00:26:41,920
Speaker 1: we've got like five different authors with books. I'll pick

563
00:26:42,000 --> 00:26:44,479
Speaker 1: one that you want to have on. But she was like,

564
00:26:44,600 --> 00:26:46,639
Speaker 1: even that, it looks like your publicist is doing a

565
00:26:46,680 --> 00:26:49,080
Speaker 1: pretty good job. So she was like, I'm not gonna lie,

566
00:26:49,720 --> 00:26:52,880
Speaker 1: like that's what we're We're here for one larger audience

567
00:26:53,560 --> 00:26:56,520
Speaker 1: and two media. She was like, but you have those things,

568
00:26:56,560 --> 00:26:59,360
Speaker 1: so I'm not saying you shouldn't sign, but I don't

569
00:26:59,400 --> 00:27:00,760
Speaker 1: know that we're going to better for you than you're

570
00:27:00,760 --> 00:27:02,800
Speaker 1: doing it for yourself. So that was a really powerful

571
00:27:02,800 --> 00:27:05,679
Speaker 1: affirmation and like, Okay, you can do it yourself. Is

572
00:27:05,680 --> 00:27:09,359
Speaker 1: it longer, Yeah, but to me it's worth it because

573
00:27:09,400 --> 00:27:11,880
Speaker 1: when that book money comes in. I know people who

574
00:27:11,920 --> 00:27:13,320
Speaker 1: when they go in an event, they can't even sell

575
00:27:13,320 --> 00:27:15,800
Speaker 1: their own book. It's not theirs. Like if you go

576
00:27:15,920 --> 00:27:17,600
Speaker 1: to an event and you're speaking in the front of

577
00:27:17,600 --> 00:27:20,040
Speaker 1: the room as a keynote speaker and you're like, ooh,

578
00:27:20,200 --> 00:27:22,119
Speaker 1: let me sell some books in the back, they have

579
00:27:22,200 --> 00:27:25,560
Speaker 1: to call the publisher. The publisher brings the books someone

580
00:27:25,600 --> 00:27:27,280
Speaker 1: to sell it and takes the money and the books

581
00:27:27,280 --> 00:27:29,520
Speaker 1: back with them, and you're like, okay, I guess i'll

582
00:27:29,520 --> 00:27:32,160
Speaker 1: see my my eleven percent later on in my check

583
00:27:32,200 --> 00:27:34,080
Speaker 1: this week, not me as soon as you give me cash.

584
00:27:34,119 --> 00:27:36,879
Speaker 1: That is all mine, minus like one the cost of.

585
00:27:36,880 --> 00:27:39,359
Speaker 2: The books byob be your own boss.

586
00:27:40,040 --> 00:27:54,040
Speaker 1: Yes, lord, all right?

587
00:27:54,400 --> 00:27:54,840
Speaker 2: Moving along?

588
00:27:55,280 --> 00:27:57,320
Speaker 1: Yes, well real quick like. So that was really keep

589
00:27:57,359 --> 00:27:58,960
Speaker 1: your mom looked so adorable. I was like, I can

590
00:27:59,040 --> 00:28:01,479
Speaker 1: see how you guys look alone. I'm like, look there,

591
00:28:01,520 --> 00:28:03,520
Speaker 1: you're getting a little shoulder in action.

592
00:28:03,840 --> 00:28:07,199
Speaker 2: Love yeah. So on Saturday, I had my bridal shower,

593
00:28:07,600 --> 00:28:09,840
Speaker 2: which was which wasn't as terrible as I thought it

594
00:28:09,920 --> 00:28:12,280
Speaker 2: might be. I was really like weary of the whole

595
00:28:12,320 --> 00:28:14,200
Speaker 2: bridal shower thing. I'm like, oh, I just don't sit

596
00:28:14,240 --> 00:28:17,280
Speaker 2: here in open presence. It seemed lame. But like the

597
00:28:17,359 --> 00:28:19,760
Speaker 2: fact that, like as I when I finally got there,

598
00:28:19,760 --> 00:28:21,640
Speaker 2: I was like, oh, I get it. This is this

599
00:28:21,680 --> 00:28:25,000
Speaker 2: is perfect because my so my in laws, who are

600
00:28:25,080 --> 00:28:29,280
Speaker 2: Dominican live in you know, Inwood, have never met my friends,

601
00:28:29,359 --> 00:28:34,320
Speaker 2: have never met my bridesmaids, and my mother obviously had

602
00:28:34,320 --> 00:28:37,560
Speaker 2: never met anybody. And my friends had never met my

603
00:28:37,680 --> 00:28:40,360
Speaker 2: other you know, my mother or my my future in

604
00:28:40,440 --> 00:28:43,880
Speaker 2: laws and my future aunts in law, my my mother

605
00:28:43,920 --> 00:28:47,520
Speaker 2: in law sisters, and like it was it was like

606
00:28:47,760 --> 00:28:50,120
Speaker 2: clashing of the world in the in the best way possible.

607
00:28:50,120 --> 00:28:53,160
Speaker 2: I mean, we had to translate everything from Spanish from

608
00:28:53,160 --> 00:28:55,360
Speaker 2: English to Spanish, and like, while that seems like it

609
00:28:55,400 --> 00:28:57,800
Speaker 2: would be a headache, it was actually really fun to

610
00:28:57,960 --> 00:29:00,600
Speaker 2: like we were playing all these games and it was

611
00:29:00,600 --> 00:29:03,600
Speaker 2: funny like at one point we were playing Bingo and

612
00:29:03,640 --> 00:29:06,200
Speaker 2: my bridesmans didn't know this, but like my mother in

613
00:29:06,280 --> 00:29:09,600
Speaker 2: law stays at Bingo every day for like the last

614
00:29:09,640 --> 00:29:12,600
Speaker 2: two decades. She has been going to bingo every night.

615
00:29:12,720 --> 00:29:15,080
Speaker 2: Like a on the way to the shower, she was

616
00:29:15,080 --> 00:29:17,280
Speaker 2: bragging because she had just won two hundred bucks and

617
00:29:17,360 --> 00:29:20,400
Speaker 2: like she's just obsessed. She's obsessed with bingo and so

618
00:29:20,680 --> 00:29:22,920
Speaker 2: like that was the great universal thing at the shower

619
00:29:22,960 --> 00:29:24,800
Speaker 2: and like once the bingo and I was like, it

620
00:29:24,840 --> 00:29:26,560
Speaker 2: was just a stupid bingo game. It was like we're

621
00:29:26,560 --> 00:29:30,160
Speaker 2: gonna pull names of utense, like names of cooking supplies

622
00:29:30,200 --> 00:29:32,840
Speaker 2: out of a bowl, and then you know, it felt

623
00:29:32,840 --> 00:29:34,480
Speaker 2: like it would have been like a really lame game,

624
00:29:34,480 --> 00:29:37,280
Speaker 2: but it brought everyone together and it was I don't know,

625
00:29:37,280 --> 00:29:39,520
Speaker 2: it was just really beautiful and I had a really

626
00:29:39,520 --> 00:29:41,520
Speaker 2: great time. And I gotta think my girls because they did.

627
00:29:42,240 --> 00:29:45,400
Speaker 2: They did me proud, and they you know, I'm like

628
00:29:45,440 --> 00:29:47,720
Speaker 2: a control freak, so that I was really trying to

629
00:29:47,720 --> 00:29:49,120
Speaker 2: like get in there and like what can I do

630
00:29:49,200 --> 00:29:51,120
Speaker 2: and what do you need? And like, but they kept

631
00:29:51,160 --> 00:29:52,960
Speaker 2: me at bay and I'm glad they did because they

632
00:29:52,960 --> 00:29:56,440
Speaker 2: did a good job. I learned to trust. I like

633
00:29:56,560 --> 00:29:57,120
Speaker 2: learned to trust.

634
00:29:57,400 --> 00:29:58,480
Speaker 1: Like you look at it. I was like, oh mane,

635
00:29:58,480 --> 00:30:00,360
Speaker 1: it looks so I was like, what's this new, what

636
00:30:00,760 --> 00:30:03,280
Speaker 1: problem are you using your hair? Your young curls were poppen.

637
00:30:03,640 --> 00:30:07,360
Speaker 2: I know that. Yeah, my curls are happening Miss Jesse's.

638
00:30:07,520 --> 00:30:11,360
Speaker 2: I discovered Miss Jesse's. Yeah, okay, I gave up everything else.

639
00:30:11,400 --> 00:30:14,720
Speaker 2: And I you know, like you get, the older you get,

640
00:30:14,840 --> 00:30:16,600
Speaker 2: you the more you realize you just to try every

641
00:30:16,600 --> 00:30:18,880
Speaker 2: single damn thing until you find out what works for you.

642
00:30:19,920 --> 00:30:22,000
Speaker 2: And I finally found Miss Jesse's and I love her,

643
00:30:22,080 --> 00:30:23,480
Speaker 2: and I need we're gonna have her on the show

644
00:30:23,640 --> 00:30:26,000
Speaker 2: soon because I need to tell her how much I

645
00:30:26,080 --> 00:30:26,480
Speaker 2: love her.

646
00:30:27,560 --> 00:30:29,880
Speaker 1: Are you just claiming that or like, no, no, it's.

647
00:30:29,680 --> 00:30:31,320
Speaker 2: Happening, Like I've been in touch with her people, it

648
00:30:31,440 --> 00:30:32,480
Speaker 2: just hasn't happened yet.

649
00:30:32,640 --> 00:30:35,440
Speaker 1: And she, you know, I love her. She's like one

650
00:30:35,440 --> 00:30:39,040
Speaker 1: of the original. Like back when I first started getting

651
00:30:39,040 --> 00:30:41,719
Speaker 1: like going natural and like Miss Jesse's, you know, there

652
00:30:41,720 --> 00:30:44,520
Speaker 1: were hardly anybody really like teaching like brown girls like

653
00:30:44,520 --> 00:30:46,280
Speaker 1: what to do with their hair. And I remember like

654
00:30:46,440 --> 00:30:49,440
Speaker 1: them being like one of the like pioneer businesses. So

655
00:30:49,520 --> 00:30:52,120
Speaker 1: like to speak to another brown girl who started a

656
00:30:52,160 --> 00:30:55,760
Speaker 1: business for brown girls, like all types of brown girls,

657
00:30:55,840 --> 00:30:58,360
Speaker 1: it's just so inspiring because you know that's what I

658
00:30:58,400 --> 00:31:00,520
Speaker 1: do as the budget needs to. Like, it's a girl

659
00:31:00,680 --> 00:31:03,400
Speaker 1: who with the business for brown girls, so I would go,

660
00:31:03,520 --> 00:31:05,760
Speaker 1: I'm gonna totally geek out. I'm not gonna lie.

661
00:31:06,040 --> 00:31:08,000
Speaker 2: Do you want to do questions again this week?

662
00:31:09,960 --> 00:31:12,200
Speaker 1: Sure? Do you have any brown Breaker brown boosts before.

663
00:31:11,960 --> 00:31:15,480
Speaker 2: You get Yeah? Yeah, yeah, yeah, I can do a yeah,

664
00:31:15,520 --> 00:31:17,880
Speaker 2: we can do Brown Break, Brown Boost and then questions yep.

665
00:31:18,400 --> 00:31:24,640
Speaker 1: Okay, we're both likely. Who's going first?

666
00:31:25,120 --> 00:31:26,520
Speaker 2: Well we need do you want to do an intro?

667
00:31:26,560 --> 00:31:28,040
Speaker 2: And then well, then I can go first.

668
00:31:28,400 --> 00:31:32,480
Speaker 1: Okay, So now that we talked about everything under the

669
00:31:32,520 --> 00:31:37,960
Speaker 1: sun from the oscars to Mandy's awesome bridle shower to

670
00:31:38,240 --> 00:31:42,240
Speaker 1: get out, it is time to boost it or break it?

671
00:31:42,880 --> 00:31:45,960
Speaker 1: Do do do Do Do do, do do do. It's

672
00:31:46,040 --> 00:31:49,040
Speaker 1: Brown Boost, Brown Break time, Mandra What will you be

673
00:31:49,080 --> 00:31:50,920
Speaker 1: doing today? Now?

674
00:31:52,640 --> 00:31:55,760
Speaker 2: It's sticking. It always does, it always does. I think

675
00:31:55,880 --> 00:31:57,360
Speaker 2: I had a really bad day to day, so I'm

676
00:31:57,360 --> 00:31:59,080
Speaker 2: going to try and be positive and I'm going to

677
00:31:59,200 --> 00:32:02,880
Speaker 2: boost one of my favorite So I've boosted some of

678
00:32:02,880 --> 00:32:04,960
Speaker 2: my favorite tools before. I think I talked about the

679
00:32:05,040 --> 00:32:08,120
Speaker 2: Level Money app. I forget what I boosted before, but

680
00:32:08,200 --> 00:32:13,400
Speaker 2: I'm gonna boost Google Drive today. I know, people, you

681
00:32:13,440 --> 00:32:15,320
Speaker 2: may think you know what Google Drive is all about.

682
00:32:15,320 --> 00:32:17,480
Speaker 2: But Google Drive is literally the only thing that keeps

683
00:32:17,480 --> 00:32:21,160
Speaker 2: me sane, and it's the only thing that I use.

684
00:32:21,320 --> 00:32:24,720
Speaker 2: And I have trained everyone at Magnified Money on Google Drive,

685
00:32:25,360 --> 00:32:28,080
Speaker 2: you know, sometimes kicking and screaming. But if you don't

686
00:32:28,160 --> 00:32:31,520
Speaker 2: use Google Drive, and you like, you use different documents

687
00:32:31,560 --> 00:32:34,200
Speaker 2: and you're constantly switching from like well, especially if you're

688
00:32:34,320 --> 00:32:37,360
Speaker 2: editing or you're changing a document, or you're collaborating on

689
00:32:37,440 --> 00:32:41,240
Speaker 2: projects together and your workplace, Google Drive is where it's at.

690
00:32:41,280 --> 00:32:43,680
Speaker 2: It is like the one thing Google, not the one thing.

691
00:32:43,720 --> 00:32:46,280
Speaker 2: But you know, Googles came out with some duds, right yeah,

692
00:32:46,600 --> 00:32:51,000
Speaker 2: buzz Google. I forget what the other things were, the

693
00:32:51,920 --> 00:32:55,600
Speaker 2: bad chat thing like the Google Hangouts or like Google Plus,

694
00:32:55,640 --> 00:32:57,560
Speaker 2: like all that crap. They should have just stopped the

695
00:32:57,640 --> 00:33:01,000
Speaker 2: drive because it's perfect and it's amazing, and it's everything

696
00:33:01,040 --> 00:33:04,440
Speaker 2: in the cloud, and it's where I keep you know,

697
00:33:04,960 --> 00:33:08,000
Speaker 2: maybe I won't say it's where I keep all my passwords. Yeah,

698
00:33:09,080 --> 00:33:12,360
Speaker 2: it's probably about idea. Anyway, Google drives awesome, and it

699
00:33:12,400 --> 00:33:15,800
Speaker 2: replaced it's free if you have Gmail, and it replaces

700
00:33:15,800 --> 00:33:19,440
Speaker 2: for me, it replaces word. It replaces Excel, it replaces

701
00:33:19,480 --> 00:33:22,200
Speaker 2: power Point, It replaces all that crap that you pay

702
00:33:22,280 --> 00:33:25,800
Speaker 2: for like in Microsoft Suite, which is why I've always

703
00:33:25,840 --> 00:33:27,360
Speaker 2: loved it. I never had to pay for any of

704
00:33:27,400 --> 00:33:29,640
Speaker 2: that stuff anymore. And it's in the cloud, so everything

705
00:33:29,680 --> 00:33:32,640
Speaker 2: that I do, my collaborators can see and it's easy

706
00:33:32,680 --> 00:33:36,760
Speaker 2: to share. And this is not a paid endorsement. I promise.

707
00:33:38,360 --> 00:33:43,680
Speaker 1: I will do something similar. I'm going to boost and

708
00:33:44,000 --> 00:33:46,920
Speaker 1: I am going to boost Slack. I don't know if

709
00:33:46,960 --> 00:33:48,080
Speaker 1: you've ever heard of slack before.

710
00:33:48,760 --> 00:33:51,240
Speaker 2: I think you've used this as a boost before.

711
00:33:51,600 --> 00:33:55,280
Speaker 1: Have Well, then okay, I'll do something else at Slack.

712
00:33:55,760 --> 00:33:59,000
Speaker 1: I am going to boost ooh, I'm going to boost

713
00:33:59,480 --> 00:34:03,360
Speaker 1: first class. So for the first time ever, just this

714
00:34:03,480 --> 00:34:06,000
Speaker 1: past week, I actually paid for my very first first

715
00:34:06,040 --> 00:34:09,239
Speaker 1: class ticket and I was debating over it over and

716
00:34:09,239 --> 00:34:12,560
Speaker 1: over and over again. I guess maybe more so boost upgrades.

717
00:34:12,880 --> 00:34:15,279
Speaker 1: And so because I was flying out of Boston and

718
00:34:15,280 --> 00:34:18,120
Speaker 1: going to Orlando, and I said, oh, I really don't

719
00:34:18,160 --> 00:34:22,239
Speaker 1: want to sit and coach it's tight. Not for this

720
00:34:22,360 --> 00:34:27,600
Speaker 1: long flight. No, not over three hours. I'm just like ugh. So,

721
00:34:27,840 --> 00:34:30,279
Speaker 1: I mean, I've thrown first class before, but usually it's

722
00:34:30,280 --> 00:34:31,960
Speaker 1: because like maybe a company has paid for it or

723
00:34:31,960 --> 00:34:33,799
Speaker 1: I got like a great boost or whatever, but I

724
00:34:33,920 --> 00:34:36,840
Speaker 1: never paid for it. And so I was looking at prices,

725
00:34:36,920 --> 00:34:40,560
Speaker 1: and the price of the ticket for Boston to Orlando

726
00:34:41,640 --> 00:34:46,040
Speaker 1: was like like three something like the high three hundreds

727
00:34:46,520 --> 00:34:49,320
Speaker 1: if I just flew like in the afternoon or whatever.

728
00:34:49,680 --> 00:34:52,560
Speaker 1: But if I flew earlier in the morning, it was

729
00:34:52,600 --> 00:34:56,280
Speaker 1: four hundred and if I wanted to fly first class.

730
00:34:56,280 --> 00:34:58,560
Speaker 1: So I was like, ooh, for an extra like thirty

731
00:34:58,600 --> 00:35:01,400
Speaker 1: dollars more in flying earlier, I can fly first class

732
00:35:01,400 --> 00:35:03,360
Speaker 1: in the morning. So that's what I chose. And that's why

733
00:35:03,560 --> 00:35:05,839
Speaker 1: I kind of reason because normally first class tickets are

734
00:35:05,880 --> 00:35:08,840
Speaker 1: like the difference is too great to make, you know,

735
00:35:08,880 --> 00:35:10,440
Speaker 1: it's just too much more money. But I was like,

736
00:35:10,480 --> 00:35:12,680
Speaker 1: thirty bucks, wake up a little earlier, I'll do it.

737
00:35:12,800 --> 00:35:15,120
Speaker 1: Oh OK. So I did, yes, And you know what

738
00:35:15,160 --> 00:35:16,839
Speaker 1: it taught me, because I mean sometimes I'm like cheap

739
00:35:16,880 --> 00:35:20,399
Speaker 1: to a default, because my default reaction when it's time

740
00:35:20,400 --> 00:35:23,640
Speaker 1: to spend money on like things like that, it's like no, no.

741
00:35:24,320 --> 00:35:27,160
Speaker 1: And so I was like, well, look at the number, Tiffany,

742
00:35:27,440 --> 00:35:30,520
Speaker 1: thirty dollars, it's worth it totally. And even flying home,

743
00:35:31,680 --> 00:35:33,960
Speaker 1: they were only middle seats available, and I said, what

744
00:35:34,400 --> 00:35:38,000
Speaker 1: I won't do is middle c I can't. And so

745
00:35:38,239 --> 00:35:41,000
Speaker 1: it was like you could play for priority seating, which

746
00:35:41,040 --> 00:35:42,839
Speaker 1: was like a little bit more seating for twenty two

747
00:35:42,880 --> 00:35:44,759
Speaker 1: dollars the upgrade, and I paid it.

748
00:35:44,960 --> 00:35:47,319
Speaker 2: Oh goodness, they're calling me.

749
00:35:47,360 --> 00:35:49,040
Speaker 1: Hold on, they're calling you, like, can we stop telling

750
00:35:49,080 --> 00:35:52,560
Speaker 1: me secrets? And so I paid for the twenty two dollars.

751
00:35:52,640 --> 00:35:54,960
Speaker 1: And so I told myself, you know who taught me

752
00:35:55,000 --> 00:35:57,560
Speaker 1: that patreats patreats Washington. We all, me and Manny both

753
00:35:57,560 --> 00:36:04,320
Speaker 1: love her. We've had her on the show, Miss Money, Uh, Maven? Right, yes,

754
00:36:04,920 --> 00:36:08,600
Speaker 1: And so Patrese told me once I believe so Miss

755
00:36:08,680 --> 00:36:12,120
Speaker 1: Money Maven she told me once she said, you know

756
00:36:12,280 --> 00:36:14,840
Speaker 1: that she likes to obviously fly first class? Who doesn't

757
00:36:14,880 --> 00:36:18,640
Speaker 1: if you can? And she said, sometimes if a client

758
00:36:18,800 --> 00:36:21,839
Speaker 1: flies her out, you know typically they they pay for

759
00:36:21,880 --> 00:36:25,520
Speaker 1: your flight, that she will pay the additional difference, like

760
00:36:25,560 --> 00:36:27,239
Speaker 1: which is maybe like one hundred bucks fifty to one

761
00:36:27,320 --> 00:36:30,240
Speaker 1: hundred bucks for first class, because it's not the whole ticket.

762
00:36:30,520 --> 00:36:33,000
Speaker 1: That for her, it's like, look, I'm paying fifty bucks

763
00:36:33,160 --> 00:36:35,840
Speaker 1: so I can fly super comfortably. And I thought, you

764
00:36:36,040 --> 00:36:38,279
Speaker 1: know what, so that kind of like opened my mind

765
00:36:38,360 --> 00:36:40,920
Speaker 1: up to like Tiffany, you know, isn't like twenty or

766
00:36:40,960 --> 00:36:43,680
Speaker 1: fifty bucks worth it if you can afford it. Plus

767
00:36:43,719 --> 00:36:45,479
Speaker 1: you can write it off because this is a business trip.

768
00:36:45,719 --> 00:36:47,839
Speaker 1: And so just opening my mind up to upgrade. So

769
00:36:47,840 --> 00:36:50,080
Speaker 1: that's my brown boost is that, like you know that

770
00:36:50,200 --> 00:36:53,879
Speaker 1: if you can afford it. And I'm you know, I save,

771
00:36:54,080 --> 00:36:56,120
Speaker 1: I pay our bills on time, I have retirement, I

772
00:36:56,160 --> 00:36:57,960
Speaker 1: do all that stuff, and sometimes I still forget to

773
00:36:58,000 --> 00:37:01,000
Speaker 1: treat myself. And so expect see me in more first

774
00:37:01,000 --> 00:37:02,960
Speaker 1: class seats as long as it makes financial sense.

775
00:37:03,040 --> 00:37:04,799
Speaker 2: I will see you in wave as I walk on

776
00:37:04,880 --> 00:37:05,439
Speaker 2: by the coach.

777
00:37:06,440 --> 00:37:07,880
Speaker 1: Plus it was nice being like, you know, I was

778
00:37:07,920 --> 00:37:09,880
Speaker 1: like literally like the only brown girl in there, and

779
00:37:09,880 --> 00:37:11,520
Speaker 1: this lady was in my seat and I'm not gonna lie.

780
00:37:11,560 --> 00:37:13,680
Speaker 1: She was a little bit rude because when I was

781
00:37:13,680 --> 00:37:15,040
Speaker 1: walking up, she looked at me like, I know she's

782
00:37:15,080 --> 00:37:16,960
Speaker 1: not sitting here. Meanwhile, she was in my seat and

783
00:37:17,000 --> 00:37:19,480
Speaker 1: that say excuse me my seat? She said what? So

784
00:37:19,520 --> 00:37:22,400
Speaker 1: then I was like, oh, see which And I was

785
00:37:22,440 --> 00:37:23,239
Speaker 1: trying to be nice, so I.

786
00:37:23,239 --> 00:37:26,200
Speaker 2: Said, like big mistake, huge, right, I said.

787
00:37:26,040 --> 00:37:31,600
Speaker 1: Ma'am, you're in my seat and then the stewardess looks

788
00:37:32,160 --> 00:37:33,759
Speaker 1: and she was like, you know, I showed her. I

789
00:37:33,800 --> 00:37:36,920
Speaker 1: was like, I'm I'm for a the window, and the

790
00:37:37,000 --> 00:37:38,719
Speaker 1: lady looked at her face turned red and she's like

791
00:37:38,719 --> 00:37:40,239
Speaker 1: really embarrassed. I'm like, see, we didn't have to do

792
00:37:40,280 --> 00:37:42,799
Speaker 1: this because you wanted to act like I couldn't sit there.

793
00:37:42,920 --> 00:37:45,279
Speaker 1: And then she was all, oh, I know, I'm just

794
00:37:45,280 --> 00:37:47,360
Speaker 1: so used to the window. I didn't realize. And I

795
00:37:47,360 --> 00:37:49,600
Speaker 1: was like, girl, nobody cares. I people sit in seats

796
00:37:49,600 --> 00:37:51,360
Speaker 1: all the time accidentally, but you were rude, so I

797
00:37:51,440 --> 00:37:54,520
Speaker 1: had to put you on blizz ass. Yes, brown girl

798
00:37:54,560 --> 00:37:57,239
Speaker 1: wear her locks all up in disarray, sitting next to

799
00:37:57,280 --> 00:37:59,560
Speaker 1: you in first class, get into this shoulder. Shouldn't be.

800
00:38:01,280 --> 00:38:05,200
Speaker 2: People that rude, Like I like religiously check my ticket

801
00:38:05,200 --> 00:38:06,960
Speaker 2: because I don't want to be embarrassed and like be

802
00:38:07,040 --> 00:38:09,400
Speaker 2: the person who has to move, Like yeah, but you

803
00:38:09,440 --> 00:38:09,719
Speaker 2: do that.

804
00:38:10,120 --> 00:38:11,839
Speaker 1: And the thing is, I've you know, I've done that before.

805
00:38:11,920 --> 00:38:13,360
Speaker 1: Usually I'm like, oh, excuse, need to my seat and

806
00:38:13,360 --> 00:38:16,160
Speaker 1: people are like oh okay. But she was like, what girl,

807
00:38:16,320 --> 00:38:18,040
Speaker 1: I know you're not sitting in this first class or

808
00:38:18,040 --> 00:38:20,400
Speaker 1: maybe I'm just projecting. Either way, I put her on blast,

809
00:38:20,440 --> 00:38:21,560
Speaker 1: and you know she learned a lesson.

810
00:38:23,480 --> 00:38:25,920
Speaker 2: Not today, not today.

811
00:38:25,640 --> 00:38:28,359
Speaker 1: Not when Viola's winning awards. You won't treat me like that.

812
00:38:29,400 --> 00:38:32,239
Speaker 2: Oh Viola's speech, that was a good one. We didn't

813
00:38:32,239 --> 00:38:33,880
Speaker 2: even talk about viola speech. You got to look you

814
00:38:33,880 --> 00:38:34,840
Speaker 2: gotta look up her speech.

815
00:38:35,120 --> 00:38:36,319
Speaker 1: Yeah, we're gonna say this for wins.

816
00:38:36,360 --> 00:38:38,920
Speaker 2: I think I feel like Viola. You know, okay, you'll

817
00:38:38,960 --> 00:38:40,160
Speaker 2: do it for your win, but just real quick. I

818
00:38:40,160 --> 00:38:43,120
Speaker 2: feel like Viola has always has the speeches that you

819
00:38:43,160 --> 00:38:44,880
Speaker 2: feel like you're about to go off a cliff. You're like,

820
00:38:44,880 --> 00:38:47,960
Speaker 2: where is she going with this? And like the second

821
00:38:48,000 --> 00:38:50,080
Speaker 2: line in her speech was I want to write about

822
00:38:50,080 --> 00:38:53,520
Speaker 2: the graveyard. And I was like, oh Viola, where are

823
00:38:53,520 --> 00:38:55,040
Speaker 2: you going? But then she brought it back. It was

824
00:38:55,080 --> 00:38:58,040
Speaker 2: like a history It was a history book moment. Yes, okay,

825
00:38:58,200 --> 00:38:59,359
Speaker 2: you can, you can cover that later.

826
00:39:12,200 --> 00:39:15,400
Speaker 1: All right, all questions, Yeah, what questions do we have? Well?

827
00:39:15,400 --> 00:39:17,160
Speaker 2: First of you, guys have questions, you can hit us

828
00:39:17,239 --> 00:39:21,040
Speaker 2: up at Brandambition podcast dot com just tap the ask

829
00:39:21,120 --> 00:39:24,399
Speaker 2: us anything tab, or you could email us directly at

830
00:39:24,440 --> 00:39:27,439
Speaker 2: Brand Ambition Podcasts at gmail dot com. We've been getting

831
00:39:27,480 --> 00:39:29,600
Speaker 2: a lot of great questions. So let's see how many

832
00:39:29,640 --> 00:39:33,080
Speaker 2: we can do today? Maybe one or two. So question

833
00:39:33,160 --> 00:39:36,400
Speaker 2: number one is from Miss Rhonda, and she says, I

834
00:39:36,440 --> 00:39:40,120
Speaker 2: am I don't know what this stands for, but sahm student.

835
00:39:41,520 --> 00:39:46,360
Speaker 1: I'm a am.

836
00:39:44,760 --> 00:39:47,120
Speaker 2: Passing over that I'm a part time student, part time

837
00:39:47,160 --> 00:39:50,400
Speaker 2: college student. She says, my husband's My husband makes a

838
00:39:50,440 --> 00:39:53,520
Speaker 2: decent salary, but we're eighty nine thousand dollars in the

839
00:39:53,560 --> 00:39:56,520
Speaker 2: hole due to credit cards, student loans, and medical bills.

840
00:39:56,840 --> 00:39:59,480
Speaker 2: We have four children. Our oldest is a junior in

841
00:39:59,520 --> 00:40:01,759
Speaker 2: high school. Our youngest is three years old. I have

842
00:40:01,840 --> 00:40:03,720
Speaker 2: a plan to get us out of debt, but every

843
00:40:03,760 --> 00:40:06,920
Speaker 2: time my husband sabotages us. His latest is that we

844
00:40:06,960 --> 00:40:09,000
Speaker 2: need a bigger house and we can rent out the

845
00:40:09,000 --> 00:40:12,280
Speaker 2: one we live in currently, which admittedly is too small,

846
00:40:12,320 --> 00:40:13,840
Speaker 2: as a way to help pay for us soon to

847
00:40:13,880 --> 00:40:17,600
Speaker 2: be college student. I agree, we do, However, we do

848
00:40:17,640 --> 00:40:19,600
Speaker 2: not have the down payment, and we have this debt.

849
00:40:19,760 --> 00:40:22,040
Speaker 2: He gets his yearly bonus next week and wants to

850
00:40:22,080 --> 00:40:24,200
Speaker 2: save it to buy the other house. I want to

851
00:40:24,280 --> 00:40:27,160
Speaker 2: use it to pay down debt. I've insisted on us slowly.

852
00:40:27,200 --> 00:40:29,719
Speaker 2: I've insisted on us living solely on cash, and I

853
00:40:29,760 --> 00:40:31,640
Speaker 2: plan to get a job once the kids are out

854
00:40:31,640 --> 00:40:34,240
Speaker 2: of school this summer. I want to use my earnings

855
00:40:34,239 --> 00:40:36,919
Speaker 2: for debt repayment in my retirement. He just complains about

856
00:40:36,920 --> 00:40:39,279
Speaker 2: the budget and says that debt is normal. I don't

857
00:40:39,280 --> 00:40:41,840
Speaker 2: believe that. Am I doing the wrong thing? Please help?

858
00:40:43,280 --> 00:40:47,879
Speaker 1: Yeah? Yeah, when your significant others not on the same

859
00:40:47,920 --> 00:40:48,919
Speaker 1: financial page as.

860
00:40:48,840 --> 00:40:51,600
Speaker 2: You, not just that they're not on the same page

861
00:40:51,640 --> 00:40:55,720
Speaker 2: with you, but they're determined to normalize your terrible financial

862
00:40:55,760 --> 00:40:59,279
Speaker 2: situation and dig you even deeper into debt. Yikes.

863
00:41:00,280 --> 00:41:03,080
Speaker 1: So what I try to do with Superman is I

864
00:41:03,160 --> 00:41:06,799
Speaker 1: try to find a common denominator, meaning something that we

865
00:41:06,880 --> 00:41:10,720
Speaker 1: both can like agree upon, even if it seems random.

866
00:41:10,880 --> 00:41:13,040
Speaker 1: Like what I found as a common denominator in the

867
00:41:13,120 --> 00:41:17,120
Speaker 1: very very beginning was his daughter, So like Supergirls, like

868
00:41:17,120 --> 00:41:18,920
Speaker 1: the love of his life. You know, that's his daughter.

869
00:41:19,239 --> 00:41:21,120
Speaker 1: And so in the beginning when I was trying to

870
00:41:21,160 --> 00:41:23,040
Speaker 1: like get us both on the same financial page, he

871
00:41:23,120 --> 00:41:25,879
Speaker 1: was resistant and like similar to that, like, oh it's

872
00:41:25,880 --> 00:41:28,480
Speaker 1: not a big deal. Everybody's out adista. Who cares if

873
00:41:28,520 --> 00:41:33,200
Speaker 1: my car notice the same amount as somebody's mortgage. Nobody cares.

874
00:41:33,360 --> 00:41:34,960
Speaker 1: I've got the car, won. I was like, oh my god,

875
00:41:35,000 --> 00:41:37,680
Speaker 1: I'm dying on the inside. So then after like trying

876
00:41:37,680 --> 00:41:40,239
Speaker 1: different things, I recognized, oh, he loves his daughter so much.

877
00:41:40,320 --> 00:41:42,560
Speaker 1: Let me use that as an angle, and so I

878
00:41:42,680 --> 00:41:45,839
Speaker 1: used it as are you saving for her future? And

879
00:41:45,960 --> 00:41:47,600
Speaker 1: at first he was like, no, you know, she's smart,

880
00:41:47,600 --> 00:41:50,239
Speaker 1: she'll get a scholarship. And I'm like, well, you know

881
00:41:50,600 --> 00:41:54,480
Speaker 1: this is probably true, but let's also have like a

882
00:41:54,520 --> 00:41:57,239
Speaker 1: plan in conjunction to that. So it started off with

883
00:41:57,360 --> 00:42:00,600
Speaker 1: him just going to his job and saying, hey, instead

884
00:42:00,640 --> 00:42:02,920
Speaker 1: of giving me all my money in my checking account,

885
00:42:03,160 --> 00:42:05,319
Speaker 1: divert some of that to the savings. And I said, well,

886
00:42:05,320 --> 00:42:09,040
Speaker 1: while you're there. Another common denominator was we wanted to

887
00:42:09,080 --> 00:42:11,920
Speaker 1: go on vacation. I said, while you're there, divert some

888
00:42:12,360 --> 00:42:15,560
Speaker 1: to a savings account for yourself, a joint savings account

889
00:42:15,560 --> 00:42:18,560
Speaker 1: for vacations for us and your daughter saving. So that

890
00:42:18,760 --> 00:42:21,279
Speaker 1: was like the end, and then I left it, and

891
00:42:21,320 --> 00:42:23,080
Speaker 1: then he lived his life. He did well. He still

892
00:42:23,120 --> 00:42:25,759
Speaker 1: had his car, you know, but now he's saving three

893
00:42:25,800 --> 00:42:28,640
Speaker 1: different ways and paying his bills. And then after like

894
00:42:28,719 --> 00:42:31,160
Speaker 1: six months of kind of him in that space, I

895
00:42:31,280 --> 00:42:33,600
Speaker 1: broached another stop, you see what I mean? So it

896
00:42:33,680 --> 00:42:36,480
Speaker 1: was like, you know, vacation might not seem like a

897
00:42:36,480 --> 00:42:39,480
Speaker 1: fun thing or might not seem as responsible as like,

898
00:42:39,520 --> 00:42:41,600
Speaker 1: you know, saving the payoff debt, but that might be

899
00:42:41,640 --> 00:42:45,320
Speaker 1: a common denominator, like let's do this for quote unquote vacation,

900
00:42:45,640 --> 00:42:48,160
Speaker 1: and that vacation account than when we originally started like

901
00:42:48,200 --> 00:42:53,279
Speaker 1: three years ago, has morphed into our house account, and

902
00:42:53,320 --> 00:42:55,520
Speaker 1: this is why now he's able to buy a house.

903
00:42:55,960 --> 00:42:58,000
Speaker 1: And you know, I've helped him get his credit score together,

904
00:42:58,320 --> 00:43:00,239
Speaker 1: so you know, we started off in one place. But

905
00:43:00,280 --> 00:43:01,799
Speaker 1: I knew in my mind, I'm not gonna lie that

906
00:43:01,920 --> 00:43:03,520
Speaker 1: vacation a cat was always a house account, he just

907
00:43:03,560 --> 00:43:04,120
Speaker 1: didn't know it.

908
00:43:06,200 --> 00:43:09,239
Speaker 2: For Rhonda, I feel like the common denominator has to

909
00:43:09,239 --> 00:43:10,680
Speaker 2: be the fact that he wants to buy a house,

910
00:43:10,719 --> 00:43:12,120
Speaker 2: But how is he going to get a house, like

911
00:43:12,120 --> 00:43:14,720
Speaker 2: get qualified for a mortgage. They have nearly ninety thousand

912
00:43:14,760 --> 00:43:16,680
Speaker 2: dollars in credit card and a student loan debt, Like

913
00:43:17,160 --> 00:43:20,120
Speaker 2: I feel like to get to his goal, she could say,

914
00:43:20,160 --> 00:43:21,799
Speaker 2: you know, in order for us to be in the

915
00:43:21,800 --> 00:43:24,799
Speaker 2: best position to qualify for a loan for a bigger house,

916
00:43:24,840 --> 00:43:26,840
Speaker 2: which I'm guessing is probably going to cost more money,

917
00:43:27,320 --> 00:43:29,040
Speaker 2: you know, we should be working on paying down our

918
00:43:29,080 --> 00:43:31,239
Speaker 2: debt because like, isn't that one of the biggest that's

919
00:43:31,320 --> 00:43:33,880
Speaker 2: the biggest thing that a mortgage a loan officer is

920
00:43:33,880 --> 00:43:34,520
Speaker 2: going to look at.

921
00:43:34,800 --> 00:43:37,319
Speaker 1: So maybe what she could do is have about if

922
00:43:37,320 --> 00:43:39,560
Speaker 1: you guys, go shop for a mortgage. Don't let them

923
00:43:39,560 --> 00:43:41,480
Speaker 1: pull your credit like we said last week, but go

924
00:43:41,600 --> 00:43:43,880
Speaker 1: shop for a mortgage. And sometimes it's hard for people

925
00:43:43,880 --> 00:43:46,120
Speaker 1: to listen to you when they know you. So let

926
00:43:46,160 --> 00:43:48,800
Speaker 1: the mortgage person say there's no way you have too much.

927
00:43:48,640 --> 00:43:51,640
Speaker 2: Debt that might want income, Well, then.

928
00:43:51,560 --> 00:43:53,600
Speaker 1: That's going to be perfect. Let that mortgage person be

929
00:43:53,719 --> 00:43:56,520
Speaker 1: like to burst his bubble a little, like, this is

930
00:43:56,560 --> 00:43:58,480
Speaker 1: what you're going to need to be able to qualify.

931
00:43:58,719 --> 00:44:00,960
Speaker 1: Having someone else say it's to be really powerful. I

932
00:44:01,000 --> 00:44:03,680
Speaker 1: think that helps a lot too, So that's what I

933
00:44:03,680 --> 00:44:05,840
Speaker 1: would do. I would be like, you know what, let's

934
00:44:05,920 --> 00:44:07,719
Speaker 1: you know, let's call mortgage shopping and just see what

935
00:44:07,719 --> 00:44:10,880
Speaker 1: people say about our current financials. And then let that

936
00:44:10,920 --> 00:44:14,040
Speaker 1: person say, honestly, with where you are now, you'll only

937
00:44:14,040 --> 00:44:16,000
Speaker 1: be able to afford this much house. But if you

938
00:44:16,080 --> 00:44:18,919
Speaker 1: did X y Z, pay down deb get your credit

939
00:44:18,960 --> 00:44:20,560
Speaker 1: to where it's supposed to be, you'd be able to

940
00:44:20,560 --> 00:44:23,360
Speaker 1: afford more house. So maybe let someone else, say it

941
00:44:23,440 --> 00:44:26,520
Speaker 1: a professional financial person, someone that he's gonna want to

942
00:44:26,520 --> 00:44:28,399
Speaker 1: hear from. Because it's a mortgage person. The mortgage person

943
00:44:28,440 --> 00:44:30,600
Speaker 1: will tell you flat out. So I think that's probably

944
00:44:30,600 --> 00:44:33,640
Speaker 1: the best, the best bet, that your common denominator is

945
00:44:33,680 --> 00:44:36,040
Speaker 1: your mortgage and let the mortgage person be the bearer

946
00:44:36,040 --> 00:44:36,720
Speaker 1: of bad news.

947
00:44:37,160 --> 00:44:39,520
Speaker 2: That's exactly what I did earlier this summer when we

948
00:44:39,520 --> 00:44:42,200
Speaker 2: were me and my fiance were arguing over whether or

949
00:44:42,200 --> 00:44:44,719
Speaker 2: not we should buy right now or keep renting. I

950
00:44:44,719 --> 00:44:47,520
Speaker 2: remember I was like, okay, it was it was it

951
00:44:47,560 --> 00:44:50,880
Speaker 2: was taking up our it was like really a problem.

952
00:44:50,920 --> 00:44:52,719
Speaker 2: We were constantly arguing about it, and I was like,

953
00:44:53,239 --> 00:44:55,399
Speaker 2: let's hire. I was like, okay, I'm going to hire

954
00:44:55,400 --> 00:44:57,200
Speaker 2: a financial planner and we're going to have a conversation

955
00:44:57,239 --> 00:44:58,480
Speaker 2: with her. We're going to show her all of our

956
00:44:58,560 --> 00:45:02,200
Speaker 2: numbers and have let's get her opinion. And we did

957
00:45:02,280 --> 00:45:06,160
Speaker 2: just that, and not to brag, but she gave us

958
00:45:06,160 --> 00:45:08,880
Speaker 2: three different scenarios and she was like, here's what your

959
00:45:08,920 --> 00:45:10,919
Speaker 2: money would look like if you bought a house, Here's

960
00:45:10,960 --> 00:45:12,759
Speaker 2: what it would look like if you continue to rent,

961
00:45:12,800 --> 00:45:14,239
Speaker 2: and here's what it would look like if you bought

962
00:45:14,239 --> 00:45:17,880
Speaker 2: an investment property and had some rental income and the

963
00:45:17,920 --> 00:45:20,080
Speaker 2: worst scenario for our money was to buy a house.

964
00:45:20,600 --> 00:45:22,320
Speaker 2: And that was sort of like, yeah, that was like

965
00:45:22,360 --> 00:45:24,200
Speaker 2: a wake up call for him, and it wasn't like

966
00:45:24,280 --> 00:45:27,000
Speaker 2: me and my nagginess like you know, telling and we

967
00:45:27,040 --> 00:45:28,600
Speaker 2: can't afford it. We can't afford it or it's not

968
00:45:28,640 --> 00:45:32,040
Speaker 2: good for us, you know. And that at least saved me,

969
00:45:32,480 --> 00:45:34,480
Speaker 2: It bought me some time. I'm not gonna lie and

970
00:45:34,520 --> 00:45:37,480
Speaker 2: say that it's like completely stop being a point of

971
00:45:37,520 --> 00:45:40,960
Speaker 2: contention his desire to buy a house and my desire

972
00:45:41,000 --> 00:45:44,759
Speaker 2: to not. But it definitely helped having a professional And

973
00:45:45,080 --> 00:45:47,880
Speaker 2: now it's sort of like you can blame someone else, yes,

974
00:45:48,200 --> 00:45:52,120
Speaker 2: and you can. You can preserve your own, you know, relationship,

975
00:45:52,120 --> 00:45:53,520
Speaker 2: but then have someone else be the bad guy.

976
00:45:53,840 --> 00:45:56,799
Speaker 1: Yep, agreed, Yep. Okay.

977
00:45:56,840 --> 00:46:00,319
Speaker 2: So next question comes from Christa. She says, question for you.

978
00:46:01,080 --> 00:46:04,040
Speaker 2: I've been considering transferring my money from Wells Fargo to

979
00:46:04,080 --> 00:46:08,000
Speaker 2: another bank. I wonder why going to check out the

980
00:46:08,000 --> 00:46:10,440
Speaker 2: resources of Magnify Money to choose the best one for me?

981
00:46:10,719 --> 00:46:14,680
Speaker 2: Good job, christ Yeah, My concern is that I've been

982
00:46:14,719 --> 00:46:17,920
Speaker 2: with Wells Fargo for eighteen years. I'm under the assumption

983
00:46:18,040 --> 00:46:21,200
Speaker 2: that staying with one bank over time would have benefits financially.

984
00:46:21,640 --> 00:46:24,399
Speaker 2: Are there any consequences for switching and does it really

985
00:46:24,440 --> 00:46:26,440
Speaker 2: matter how long you've been with one bank?

986
00:46:26,840 --> 00:46:31,399
Speaker 1: Thanks Krista, No, not in this modern age. I think

987
00:46:31,400 --> 00:46:33,680
Speaker 1: what she's thinking of, right, because like I'll say this,

988
00:46:33,760 --> 00:46:36,640
Speaker 1: if you're with a credit union, like the only time

989
00:46:36,680 --> 00:46:39,759
Speaker 1: that to me it makes like a big It makes

990
00:46:40,360 --> 00:46:44,240
Speaker 1: a difference is certain banks, like for example, a credit union,

991
00:46:44,560 --> 00:46:46,239
Speaker 1: they might say you have to bank with us for

992
00:46:46,320 --> 00:46:48,440
Speaker 1: like six months, three months, a year before you can

993
00:46:48,480 --> 00:46:51,239
Speaker 1: get along that kind of thing. But typically it's under

994
00:46:51,280 --> 00:46:55,000
Speaker 1: a year. So anything past that you're fine. Or sometimes

995
00:46:55,080 --> 00:46:57,239
Speaker 1: being with the bank is because you've built relationships with

996
00:46:57,280 --> 00:46:59,320
Speaker 1: the people at that bank, meaning like you in the

997
00:46:59,320 --> 00:47:03,200
Speaker 1: bank branch man are super cute, super closed, and like

998
00:47:03,239 --> 00:47:05,200
Speaker 1: when you're like looking for a loan, they look at

999
00:47:05,200 --> 00:47:06,879
Speaker 1: you more as a person than a number because you're

1000
00:47:07,040 --> 00:47:09,799
Speaker 1: you've been really cool with that bank. But no, like

1001
00:47:09,880 --> 00:47:11,919
Speaker 1: those days are done. People don't really are not don't

1002
00:47:11,920 --> 00:47:13,480
Speaker 1: really get to know the people at the bank like that.

1003
00:47:13,600 --> 00:47:16,200
Speaker 1: And yeah, so if you want to go, girl, go

1004
00:47:16,800 --> 00:47:17,280
Speaker 1: and it's.

1005
00:47:17,160 --> 00:47:19,799
Speaker 2: Never I mean it's people. It's crazy how long people

1006
00:47:19,800 --> 00:47:21,400
Speaker 2: will stick with their bank even if their bank is

1007
00:47:21,440 --> 00:47:24,080
Speaker 2: treated them badly. I mean, look at Wells Fargo. Wells

1008
00:47:24,120 --> 00:47:30,080
Speaker 2: Fargo just got taken down in this history making legal

1009
00:47:30,080 --> 00:47:32,680
Speaker 2: action taken by the CFPV earlier this year because it

1010
00:47:32,719 --> 00:47:36,080
Speaker 2: was they found out that thousands of their salespeople were

1011
00:47:36,760 --> 00:47:39,319
Speaker 2: sneaking behind their customers back and signed them up for

1012
00:47:39,360 --> 00:47:42,680
Speaker 2: credit card products and savings products and loan products that

1013
00:47:42,680 --> 00:47:46,200
Speaker 2: they didn't really need just to get the commission. Yeah,

1014
00:47:46,239 --> 00:47:48,600
Speaker 2: and they're they're facing like a multi billion dollar fine

1015
00:47:48,640 --> 00:47:50,040
Speaker 2: for that, and they had to do just they just

1016
00:47:50,040 --> 00:47:53,719
Speaker 2: like let go half their executive team because of that, soul.

1017
00:47:53,800 --> 00:47:55,960
Speaker 2: I don't blame you for wanting to leave Wells Fargo,

1018
00:47:56,080 --> 00:47:58,759
Speaker 2: And honestly, there's so many banks out there that don't.

1019
00:47:58,800 --> 00:48:01,600
Speaker 2: I mean, Wells Fargo has high fees, They require a

1020
00:48:01,640 --> 00:48:05,399
Speaker 2: minimum balance for some of their checking accounts. I mean,

1021
00:48:06,360 --> 00:48:08,200
Speaker 2: like a lot of big banks, they have so much

1022
00:48:08,239 --> 00:48:11,560
Speaker 2: high overhead costs that they pass those costs in now

1023
00:48:11,719 --> 00:48:13,719
Speaker 2: to you to you in the form of fees. So

1024
00:48:13,760 --> 00:48:15,680
Speaker 2: if you can find a better deal, I feel like

1025
00:48:15,719 --> 00:48:18,640
Speaker 2: you shouldn't have. You shouldn't feel loyalty to a big bank.

1026
00:48:19,000 --> 00:48:20,840
Speaker 2: I agree, Like, if it's your court, if you're like

1027
00:48:20,840 --> 00:48:25,520
Speaker 2: your community bank or your credit maybe, although like contrary

1028
00:48:25,520 --> 00:48:27,360
Speaker 2: to what people think, We've taken a look at credit

1029
00:48:27,360 --> 00:48:29,759
Speaker 2: card credit union fees and they're not always that much

1030
00:48:29,800 --> 00:48:32,880
Speaker 2: better than big banks. Even so, at the end of

1031
00:48:32,880 --> 00:48:34,759
Speaker 2: the day, you just don't have don't feel a sense

1032
00:48:34,800 --> 00:48:35,920
Speaker 2: of loyalty.

1033
00:48:36,040 --> 00:48:39,360
Speaker 1: Towards anybody but your money anybody.

1034
00:48:39,880 --> 00:48:41,799
Speaker 2: And if you you know, it's it's not that hard

1035
00:48:41,800 --> 00:48:45,759
Speaker 2: to ditch your bank. In fact, our reporter, who had

1036
00:48:45,800 --> 00:48:48,880
Speaker 2: a Wells Fargo account wrote wrote a step by step

1037
00:48:48,960 --> 00:48:52,960
Speaker 2: guide to ditching her Wells Fargo account and signing up

1038
00:48:53,000 --> 00:48:56,879
Speaker 2: for accounts at Capital one, three sixty and Ally, which

1039
00:48:56,920 --> 00:49:01,600
Speaker 2: are online like digital banks that have lower fees and

1040
00:49:02,840 --> 00:49:06,160
Speaker 2: a higher return on her savings rate. So I'm gonna

1041
00:49:06,520 --> 00:49:08,480
Speaker 2: I'll take a note and I'll send that to Christa

1042
00:49:08,560 --> 00:49:10,759
Speaker 2: and then I'll post it for everyone on the website too,

1043
00:49:10,840 --> 00:49:12,319
Speaker 2: because that's that's helpful.

1044
00:49:12,640 --> 00:49:14,840
Speaker 1: And that's what I love about Magnified Money's website is

1045
00:49:14,840 --> 00:49:19,080
Speaker 1: because like before then you would have to like wade

1046
00:49:19,080 --> 00:49:21,160
Speaker 1: through like way and know each bank and go to

1047
00:49:21,200 --> 00:49:23,560
Speaker 1: their site. No, now you can just put in like

1048
00:49:23,640 --> 00:49:26,799
Speaker 1: kind of like your what you're kind of looking for,

1049
00:49:26,920 --> 00:49:29,000
Speaker 1: and you could see all in one place, what each

1050
00:49:29,040 --> 00:49:30,600
Speaker 1: of these banks is offering. I remember when I was

1051
00:49:30,600 --> 00:49:33,320
Speaker 1: looking to open up business account for my second business,

1052
00:49:33,760 --> 00:49:36,359
Speaker 1: you know, Magnified money was clutch because I was able

1053
00:49:36,360 --> 00:49:38,319
Speaker 1: to put in like on my zip code and like

1054
00:49:38,360 --> 00:49:40,120
Speaker 1: I didn't want to pay fees and see all in

1055
00:49:40,160 --> 00:49:42,200
Speaker 1: one place. They were like banks I didn't even hear from,

1056
00:49:42,200 --> 00:49:45,920
Speaker 1: like what's investors bank? Oh, and you know, and so

1057
00:49:46,040 --> 00:49:48,360
Speaker 1: it just was really helpful. So you're in the right place,

1058
00:49:48,400 --> 00:49:50,919
Speaker 1: and definitely choose what's best for you, not what's best

1059
00:49:50,960 --> 00:49:51,399
Speaker 1: for the bank.

1060
00:49:51,960 --> 00:49:55,560
Speaker 2: Definitely. All right, guys, So if you have questions, go

1061
00:49:55,600 --> 00:49:58,080
Speaker 2: ahead and email us like we said, Brand Ambisson Podcast

1062
00:49:58,120 --> 00:50:00,040
Speaker 2: at gmail dot com or hit us up on on

1063
00:50:00,120 --> 00:50:04,000
Speaker 2: the website at Brianambition podcast dot com. Ask us anything

1064
00:50:04,160 --> 00:50:05,120
Speaker 2: is the link to click.

1065
00:50:15,600 --> 00:50:19,040
Speaker 1: So I was gonna do, like, you know, my wind

1066
00:50:19,480 --> 00:50:21,680
Speaker 1: to be miss Viola, even though I didn't even see

1067
00:50:21,680 --> 00:50:23,040
Speaker 1: he speech, but I heard it was epic because she's

1068
00:50:23,040 --> 00:50:26,000
Speaker 1: like amazing. I know, I'm the worst, that is the lazy,

1069
00:50:26,360 --> 00:50:30,400
Speaker 1: So I know, honestly, it has been a week, honey,

1070
00:50:30,680 --> 00:50:31,240
Speaker 1: a week.

1071
00:50:31,360 --> 00:50:31,840
Speaker 2: Okay.

1072
00:50:31,880 --> 00:50:34,480
Speaker 1: So I tried on some jeans that used to be

1073
00:50:34,560 --> 00:50:37,879
Speaker 1: my loose jeans and now I could barely zip them up.

1074
00:50:38,320 --> 00:50:41,040
Speaker 1: You know when jeans are so tight that you put

1075
00:50:41,040 --> 00:50:43,680
Speaker 1: the button on and the zipper zips down by itself,

1076
00:50:43,719 --> 00:50:46,759
Speaker 1: and you're like, what is appunning? And I said, what

1077
00:50:46,960 --> 00:50:50,719
Speaker 1: is happening? And I have put on I don't even

1078
00:50:50,719 --> 00:50:52,279
Speaker 1: want to step on the scale, but I will later.

1079
00:50:52,920 --> 00:50:54,840
Speaker 1: I can't even imagine when I put on. I need it.

1080
00:50:55,160 --> 00:50:57,080
Speaker 1: I need an intervention. Okay, So this is what I'm

1081
00:50:57,120 --> 00:51:00,200
Speaker 1: asking my brown ambition folks, because you got I have

1082
00:51:00,239 --> 00:51:03,000
Speaker 1: not see me wrong. You have gotten my skin popping

1083
00:51:03,040 --> 00:51:05,440
Speaker 1: with that, I always say the name wrong. The oil

1084
00:51:05,440 --> 00:51:08,759
Speaker 1: would talk to the a Argan oil. Yes, you have

1085
00:51:08,880 --> 00:51:11,080
Speaker 1: helped me with my hair. You guys have helped me

1086
00:51:11,120 --> 00:51:14,080
Speaker 1: with so many things. And now I am asking for

1087
00:51:14,520 --> 00:51:16,239
Speaker 1: help because.

1088
00:51:16,200 --> 00:51:18,240
Speaker 2: I what happened to your trainer?

1089
00:51:19,160 --> 00:51:22,120
Speaker 1: Yeah? I just couldn't keep up because the thing about her,

1090
00:51:22,400 --> 00:51:27,200
Speaker 1: she's great, Keana shout out to Q. The thing is like,

1091
00:51:27,840 --> 00:51:30,160
Speaker 1: because like I would see her every Tuesday and Thursday,

1092
00:51:30,360 --> 00:51:32,480
Speaker 1: and as long as I can maintain that, I would go.

1093
00:51:33,200 --> 00:51:35,600
Speaker 1: But then you know, I'd fly here, go here, go there,

1094
00:51:35,640 --> 00:51:37,600
Speaker 1: and then for three weeks I'd be out of commission,

1095
00:51:37,840 --> 00:51:40,319
Speaker 1: and then getting back started again was very difficult because

1096
00:51:40,400 --> 00:51:44,120
Speaker 1: it was like starting a new regimen every you know,

1097
00:51:44,239 --> 00:51:46,080
Speaker 1: every time I would leave or go somewhere. So I

1098
00:51:46,400 --> 00:51:49,080
Speaker 1: have to figure out something because honestly, like my whole life,

1099
00:51:49,080 --> 00:51:51,960
Speaker 1: I've been pretty slim and I'm you know, I'm definitely

1100
00:51:52,000 --> 00:51:56,279
Speaker 1: not fat, and I have to be honestly thing I

1101
00:51:56,280 --> 00:51:58,040
Speaker 1: could honestly say, like, I'm one of those people that

1102
00:51:58,120 --> 00:52:00,680
Speaker 1: I look in the mirror and although it's not perfect,

1103
00:52:00,880 --> 00:52:02,400
Speaker 1: I've always liked my body. I'm like, you know, I

1104
00:52:02,440 --> 00:52:04,759
Speaker 1: got that nice little shape, little booty, little thigh action.

1105
00:52:04,840 --> 00:52:07,000
Speaker 1: I like that, you know, and you know, Superman definitely

1106
00:52:07,000 --> 00:52:09,239
Speaker 1: is not gonna play and he's like yeah. I'm like,

1107
00:52:09,640 --> 00:52:11,640
Speaker 1: but I really don't want to buy new clothes. And

1108
00:52:11,960 --> 00:52:14,560
Speaker 1: it's getting to the point where I'm like, yo, because

1109
00:52:14,600 --> 00:52:16,560
Speaker 1: I don't buy clothes tight anyway. That's just like like

1110
00:52:16,600 --> 00:52:18,719
Speaker 1: I don't really like to wear my clothes tight. But

1111
00:52:19,000 --> 00:52:21,480
Speaker 1: when my like non tight clothes are starting to fit,

1112
00:52:21,520 --> 00:52:23,960
Speaker 1: like club clothes, I'm like, yeah, this is a church dress,

1113
00:52:24,000 --> 00:52:25,560
Speaker 1: so why do I look like I'm going to the

1114
00:52:26,400 --> 00:52:28,440
Speaker 1: going to the club. So I don't know if you

1115
00:52:28,480 --> 00:52:31,320
Speaker 1: guys have any suggestions for I know it starts with

1116
00:52:31,440 --> 00:52:34,880
Speaker 1: diet if there's like some sort of program and not

1117
00:52:35,200 --> 00:52:38,319
Speaker 1: diet as in being on a diet, but meaning like

1118
00:52:38,680 --> 00:52:41,520
Speaker 1: some sort of like here's some healthy meals day one,

1119
00:52:41,560 --> 00:52:43,399
Speaker 1: day two, day three, so I can just integrate them

1120
00:52:43,400 --> 00:52:46,320
Speaker 1: into my life, and then also some sort of exercise

1121
00:52:46,440 --> 00:52:49,640
Speaker 1: routine something that I can integrate into my life. The

1122
00:52:49,640 --> 00:52:51,759
Speaker 1: fact that my life does you know, I'm not in

1123
00:52:51,800 --> 00:52:55,160
Speaker 1: one place for too long something like that, because I'm

1124
00:52:55,239 --> 00:52:58,000
Speaker 1: just not really appreciating my clothes don't fit that if

1125
00:52:58,040 --> 00:53:00,839
Speaker 1: my win. I'm just asking what are some all alternatives too,

1126
00:53:01,280 --> 00:53:04,040
Speaker 1: because probably sweets are my biggest thing. Alternatives to sweets

1127
00:53:04,080 --> 00:53:07,399
Speaker 1: meaning like I'm a cookie cake candy like chocolate girl.

1128
00:53:07,640 --> 00:53:09,400
Speaker 1: What are some things where I can get that, like

1129
00:53:09,440 --> 00:53:13,440
Speaker 1: I can fulfill that need without having to like you know,

1130
00:53:13,680 --> 00:53:16,160
Speaker 1: take in all of those calories. Like for example, one

1131
00:53:16,160 --> 00:53:18,319
Speaker 1: thing I do because I used to have like a

1132
00:53:18,360 --> 00:53:22,880
Speaker 1: soda addiction, like to like ginger rale. So instead of soda,

1133
00:53:23,000 --> 00:53:25,880
Speaker 1: what I'll do now is I will I have like

1134
00:53:25,920 --> 00:53:28,239
Speaker 1: you know, salttera water, and sometimes I'll have like one

1135
00:53:28,280 --> 00:53:30,320
Speaker 1: hundred percent juice, like and I won't put much juice,

1136
00:53:30,400 --> 00:53:33,000
Speaker 1: but it'll just give it just enough, like in my

1137
00:53:33,080 --> 00:53:35,879
Speaker 1: celter to be like, Okay, this is fizzy, it has

1138
00:53:35,920 --> 00:53:39,920
Speaker 1: some flavor. You don't need soda, you know, so stuff

1139
00:53:39,960 --> 00:53:42,360
Speaker 1: like that. So if you guys have some suggestions, just

1140
00:53:42,360 --> 00:53:45,480
Speaker 1: just tweet me at the Budgetista or instagram me at

1141
00:53:45,480 --> 00:53:49,640
Speaker 1: the Budgetista, and I'd love your suggestions for sweet substitutes

1142
00:53:49,840 --> 00:53:51,200
Speaker 1: that the things I can make at home, because like

1143
00:53:51,239 --> 00:53:53,239
Speaker 1: I said, I like cooking, but I'm just like, what

1144
00:53:53,360 --> 00:53:55,680
Speaker 1: is happening? Like I want to I'm thirty seven, and

1145
00:53:55,719 --> 00:53:57,920
Speaker 1: I want to go into like, you know, my forties

1146
00:53:57,960 --> 00:54:01,239
Speaker 1: snatched and not looking like what happened. I used to

1147
00:54:01,280 --> 00:54:02,680
Speaker 1: be so right in sight.