WEBVTT - Ep. 72 — #OscarsSoWhoops

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<v Speaker 1>So I went to Disney World for the first time.

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<v Speaker 1>I know, it's random. Hey guys, brown ambition and blah

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<v Speaker 1>blah blah. I'm Tiffany, that's Mandy. But let's get to

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<v Speaker 1>the important stuff. Disney World. And I saw pictures your

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<v Speaker 1>mom is super cute from your bridal shower.

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<v Speaker 2>Wow, I can't keep up.

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<v Speaker 1>Well, I am, I just woke up from a napstarm loopy.

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<v Speaker 1>I'm like, oh, so many things. Okay, I'm five.

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<v Speaker 2>Disney World. Okay, for the first time ever, you went

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<v Speaker 2>to Disney World.

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<v Speaker 1>Yeah, I didn't go as a kid. My dad and

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<v Speaker 1>mom were like, yeah, there's five of you, So that's

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<v Speaker 1>not happening, man.

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<v Speaker 2>What so just for the hell of it, or were

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<v Speaker 2>you down there for work already?

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<v Speaker 1>Well? Yeah, So the team and I we were relaunching

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<v Speaker 1>and reopening the Literature Academy, and so there's some things

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<v Speaker 1>that we just wanted to do in person, and we

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<v Speaker 1>always promised ourselves the next time, like the core team,

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<v Speaker 1>the next time we reopened the Academy and launched it again,

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<v Speaker 1>that we would do it someplace warm, because I think

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<v Speaker 1>the first time was like in Jersey and like in

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<v Speaker 1>the winter. So we all flew down to Orlando and

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<v Speaker 1>the last day we were kind of out there. Our

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<v Speaker 1>director he does like all our videos and stuff. He

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<v Speaker 1>was like, I'm going to Disney World. Om are you

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<v Speaker 1>guys wanna come? And I was like, the happiest place

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<v Speaker 1>in the world on Earth. Yeah, and it was indeed

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<v Speaker 1>the happiest place on that I had such a fun time.

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<v Speaker 2>What's the going rate for Disney World right now? I

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<v Speaker 2>have no idea.

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<v Speaker 1>I think it was like one hundred and ten or

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<v Speaker 1>twenty nine, but we had the hookup hollow if you

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<v Speaker 1>haar me. I'm not certain how much we should I

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<v Speaker 1>should talk about it. I'm going to talk about it.

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<v Speaker 1>So we met somebody who worked at Disney and let's

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<v Speaker 1>just say we didn't have to pay full price.

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<v Speaker 2>So you got a friends and family discount.

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<v Speaker 1>Yeah, is what we'll call it. A cash only friends

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<v Speaker 1>and family just got me.

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<v Speaker 2>With anyone who sweat their life out waiting in line

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<v Speaker 2>a Disney World as a child. Me is a little

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<v Speaker 2>bitter about that, but that's okay.

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<v Speaker 1>But we just had such a good time. Yeah, what

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<v Speaker 1>it was. I mean, I could see how a parent

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<v Speaker 1>bringing a kid would be very overwhelming because it's just

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<v Speaker 1>a lot you know, but like as like three adults

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<v Speaker 1>who can like be like, yeah, we don't want to

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<v Speaker 1>do that, we want to do this. It was just

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<v Speaker 1>really a lot of fun.

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<v Speaker 2>I feel like that is the way to do is

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<v Speaker 2>to Disney World. Like my parents took us, all three

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<v Speaker 2>of us. There's four of us, but they took the

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<v Speaker 2>three of us a few times. I guess when they

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<v Speaker 2>had four they were like hell no, but they took

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<v Speaker 2>three of us. And I was like under the age

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<v Speaker 2>of five, and I look at photos and every photo

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<v Speaker 2>I'm like, I look sad, I'm crying, I'm like pitching

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<v Speaker 2>a fit, and I'm like, man, maybe they should have

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<v Speaker 2>waited until I was old enough to appreciate the experience

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<v Speaker 2>and not just whining because you know, I had to

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<v Speaker 2>walk around Disney year old. But the like the good parts,

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<v Speaker 2>like the one of the best things that I have

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<v Speaker 2>from that time. It's like all the little videos, home videos,

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<v Speaker 2>old school videos of my family at Disney World. They

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<v Speaker 2>were it wasn't all like dramatic mandy moments, but yeah,

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<v Speaker 2>did you know that you could. One of the things

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<v Speaker 2>I did recently was I found all my dad's and

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<v Speaker 2>my mom's old VHS tapes and I it wasn't cheap,

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<v Speaker 2>but I went and got them like converted into digital

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<v Speaker 2>files and DVDs because they were like falling apart. I mean,

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<v Speaker 2>the tape was coming out and I wanted a way

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<v Speaker 2>to preserve those memories, and I went to Walgreens. I

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<v Speaker 2>wonder if anyone out there has been to a better

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<v Speaker 2>like has an idea of a better service. But we

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<v Speaker 2>just picked Walgreens randomly and it took a couple of weeks.

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<v Speaker 2>But now it's really cool because now we have them

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<v Speaker 2>like online.

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<v Speaker 1>That's awesome.

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<v Speaker 2>I think it was maybe twenty bucks per DVD. I

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<v Speaker 2>want to say I spent a couple hundred bucks on it,

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<v Speaker 2>but that was for maybe yeah, I think.

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<v Speaker 1>Yeah, because it's like these are things you're never going

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<v Speaker 1>to be able to see again. We weren't really like

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<v Speaker 1>a videoing family. I mean, we took a lot of pictures,

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<v Speaker 1>but not really a whole lot of video or I'm

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<v Speaker 1>trying to think maybe we did. Who knows, because you know,

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<v Speaker 1>we all had those little video cameras. I think my

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<v Speaker 1>dad does have. I should look because that would be

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<v Speaker 1>great to look back and be like, oh my gosh,

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<v Speaker 1>look at young Tiff acting like a brad.

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<v Speaker 2>Well, that's really awesome. Well, joke's on you, because the

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<v Speaker 2>weather here was like amazing this.

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<v Speaker 1>Week, I know, and meanwhile it was like raining, and

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<v Speaker 1>I was like, are you kidding me, Orlando, get it together.

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<v Speaker 1>I know. Two days, the first two days, well those

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<v Speaker 1>are the days we were kind of like hold up

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<v Speaker 1>in the house. So what we did was it was

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<v Speaker 1>just cheaper because we were all flying from different places.

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<v Speaker 1>Like like my marketing and business partner he was like

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<v Speaker 1>flying from like I don't even know, He's always in

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<v Speaker 1>some part of Thailand. The director was flying from like

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<v Speaker 1>Columbia or something like that. My coo Sierra was flying

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<v Speaker 1>from Philly, and I was actually flying in from Boston

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<v Speaker 1>because I was in Boston to do a speaking event.

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<v Speaker 1>So we were literally all flying in from like all

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<v Speaker 1>around the world. And then we just got a really

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<v Speaker 1>dope airbnb. So it was like four bedroom, three bathroom,

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<v Speaker 1>and we were there for I think like four days,

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<v Speaker 1>and so the first two and a half three days

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<v Speaker 1>were really just like ten to twelve our work days.

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<v Speaker 1>So like a lot of folks were like, oh my god,

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<v Speaker 1>I wish I was there. I'm like, no, you don't.

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<v Speaker 1>It was brutal because we'd.

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<v Speaker 2>Go to bed like an off site.

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<v Speaker 1>Yes, because we had to, because you wanted to focus

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<v Speaker 1>when you're home, like there's so many distractions, but here

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<v Speaker 1>it's we literally like wake up, eat, work, go to sleep,

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<v Speaker 1>right because we just really wanted to make sure that

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<v Speaker 1>this was going to really be the last time we

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<v Speaker 1>launched the Academy again, and so we really wanted to

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<v Speaker 1>like go out with like a bang. And so we

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<v Speaker 1>were just like, let's get core team in one place

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<v Speaker 1>so we could just focus and there were like literally

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<v Speaker 1>no distractions. It was like either you're working or you're

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<v Speaker 1>sleeping or eating. That's it. And then the last day

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<v Speaker 1>we were like, you know what, almost everything's done. We

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<v Speaker 1>did a little work in the morning, and you know,

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<v Speaker 1>when JP Or and you know, our director said let's

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<v Speaker 1>go to Disney, I was like, yeah, let's say it.

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<v Speaker 1>I bought my Mickey Mouse or Minie Mouse ears yo,

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<v Speaker 1>me and Sierra, my CEO. We were like giddy the

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<v Speaker 1>whole time, like, oh my god, I'm like we're here.

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<v Speaker 2>I love that you brought your own ears because you

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<v Speaker 2>knew they'd be like twenty five dollars.

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<v Speaker 1>No no, no, no, no, no, I mean I bought them.

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<v Speaker 1>I mean me and I bought them at at Disney.

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<v Speaker 1>But no, okay, it's yeah, you know, because you know

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<v Speaker 1>got that food, Ali, if you hear me. But we

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<v Speaker 1>had so much fun. Honestly, we were terrible. We were like,

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<v Speaker 1>so what is this fast pass? Elaine? Can we just

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<v Speaker 1>go on the other side? I guess we can the

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<v Speaker 1>difference between a one hour wait and a three minute wait. Yes,

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<v Speaker 1>I did, and I'm not ashamed of it. I'm not

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<v Speaker 1>mad at you, right, Disney hacks.

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<v Speaker 2>Listen, we can't. We have to talk about the Oscars, right, Yeah,

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<v Speaker 2>we do. Yeah, I know you probably didn't watch it.

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<v Speaker 2>Don't worry. I watched it for you.

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<v Speaker 1>Okay.

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<v Speaker 2>The entire thing, except for the last twenty seconds, which

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<v Speaker 2>turned out to be the most import were in tie

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<v Speaker 2>seconds of the night. So I think, like a lot

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<v Speaker 2>of people, as soon as La La Land was announced

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<v Speaker 2>as Best Picture winner, I was like, Okay, it's eleven forty.

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<v Speaker 2>I need to go to sleep. It's fine. I don't

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<v Speaker 2>need to hear their speech, you know, sad move. I

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<v Speaker 2>was sad that Moonlight didn't win, But like, at the

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<v Speaker 2>same time, I really liked La La Land, so I

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<v Speaker 2>didn't go to bad ang. I didn't go to bed angry,

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<v Speaker 2>but I woke up at like six and I was

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<v Speaker 2>scrolling through in like Twitter and Facebook, and I was

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<v Speaker 2>so confused. I was like, what is all this moonlight

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<v Speaker 2>and like and then I saw the video that is crazy?

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<v Speaker 1>Yeah, do you think it was on purpose? Like a joke? No?

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<v Speaker 2>No, no. So I have been following all the news

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<v Speaker 2>today and they finally figured out what happened. So essentially,

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<v Speaker 2>at this award, at the Oscars, Price Waterhouse Coopers is

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<v Speaker 2>this huge accounting firm and they are in charge for

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<v Speaker 2>the last eighty years of counting the ballots and creating

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<v Speaker 2>the envelopes that announce the winners, and they keep them

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<v Speaker 2>under lock and key. There's two people assign and they

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<v Speaker 2>each have one briefcase, and one person is standing on

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<v Speaker 2>either end of the stage just to be ready for

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<v Speaker 2>whichever side the presenters come out. So if you come

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<v Speaker 2>from the left, you get an envelope from that person.

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<v Speaker 2>If you come from the right, then the other person

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<v Speaker 2>hands you their envelope. And everything went fine the whole night,

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<v Speaker 2>and then when they got to best Picture, the guy

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<v Speaker 2>who was handing the envelope to the presenter who was

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<v Speaker 2>who were fade unaway and Warren Batty handed them the

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<v Speaker 2>wrong envelope, handed them his copy of the Best Actress

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<v Speaker 2>winner who the other person? You had the car? The

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<v Speaker 2>other his counterpart on the other side, had already handed

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<v Speaker 2>out her Best Actress envelope to the other presenter, so

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<v Speaker 2>he had one left because that presenter hadn't come from

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<v Speaker 2>his side, and instead of handing the Best Picture envelope,

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<v Speaker 2>he handed the Best Actress. But what boggles the mind

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<v Speaker 2>is that Warren Batty, if you watch it, like if

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<v Speaker 2>you were watching live like I was, I was like,

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<v Speaker 2>why is he trying to make this drag out and

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<v Speaker 2>be funny about it? Because he opened it and looked

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<v Speaker 2>and he smart and then he showed it to Fay

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<v Speaker 2>and he's like, you know, like it felt like he

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<v Speaker 2>was screwing with everyone, and I was like, just say it.

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<v Speaker 2>And then Fay is like, oh, it's La La Land.

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<v Speaker 2>And it turns out what he had why he was

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<v Speaker 2>so confused is because it said best Actress from La

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<v Speaker 2>La Land. But they read it anyway, which is like

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<v Speaker 2>if I don't know, I mean, I guess you can

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<v Speaker 2>say what they do in their shoes. But like someone

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<v Speaker 2>should have been like, wait a second, and let's figure

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<v Speaker 2>out what is happening before. And then it took over

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<v Speaker 2>two minutes like la Land, and then was up there

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<v Speaker 2>like three people had given speeches. Three and then you

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<v Speaker 2>see you see a guy with like a headset kind

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<v Speaker 2>of milling, and you see some confused faces in the

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<v Speaker 2>crowd behind the people giving speeches, and all of a sudden,

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<v Speaker 2>the guy who's giving a speech cuts himself off and

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<v Speaker 2>he's like, actually, guys, we lost. And then the I

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<v Speaker 2>forget I don't know who exactly it was. One of

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<v Speaker 2>the producers held up the correct envelope and said, Moonlight,

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<v Speaker 2>there's been a mistake. You guys won. Yeah, and the

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<v Speaker 2>entire holy crazy crazy, and then the Moonlight cast is

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<v Speaker 2>like and he had to keep saying, it's not a joke,

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<v Speaker 2>it's not a joke. You guys won, And he held

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<v Speaker 2>up the envelope and the camera got it and you

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<v Speaker 2>can see Moonlight best picture. And then of course everyone

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<v Speaker 2>in the like there's a great meme of like Taraji

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<v Speaker 2>and Octavia Taragi's face just like the whole night. They

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<v Speaker 2>should have had a camera on her face for every moment.

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<v Speaker 2>She is the best. Everyone just like lost their minds.

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<v Speaker 2>That's like, gee, never happened ever. I mean there was

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<v Speaker 2>one time I read, like in the sixties when Sammy

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<v Speaker 2>Davis Junior messed up the the music like the Best

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<v Speaker 2>Song Winner or something like that. But nothing never best picture.

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<v Speaker 1>The best picture is like the Oscar.

0:10:46.720 --> 0:10:48.800
<v Speaker 2>Yeah, that's the reason everyone watches for three and a

0:10:48.840 --> 0:10:53.240
<v Speaker 2>half four hours. And so there's been all you know,

0:10:53.280 --> 0:10:56.520
<v Speaker 2>of course, there's been like think pieces on you know,

0:10:56.640 --> 0:10:59.679
<v Speaker 2>stealing the moment from Moonlight and you know they were

0:10:59.720 --> 0:11:02.320
<v Speaker 2>sort of robbed of their whole win or whatever.

0:11:02.440 --> 0:11:02.679
<v Speaker 1>I mean.

0:11:03.840 --> 0:11:06.600
<v Speaker 2>This is a film with an all black cast about

0:11:06.640 --> 0:11:11.440
<v Speaker 2>a gay teenager being bullied and his mother who's a

0:11:11.440 --> 0:11:14.400
<v Speaker 2>crack addict, and he's taken in by a drug dealer

0:11:14.440 --> 0:11:17.720
<v Speaker 2>in his neighborhood and it shows his his like journey

0:11:17.760 --> 0:11:20.720
<v Speaker 2>through adults from childhood to adulthood, and you see three

0:11:21.200 --> 0:11:23.000
<v Speaker 2>versions of his life. I mean, like, this is a

0:11:23.000 --> 0:11:25.679
<v Speaker 2>type of black film that's never one best picture.

0:11:25.200 --> 0:11:25.400
<v Speaker 1>Yeah.

0:11:25.920 --> 0:11:29.120
<v Speaker 2>Ever, Like, it's not about slavery, it's not about some

0:11:29.400 --> 0:11:32.280
<v Speaker 2>you know, sexual someone being sexually assaulted. It's not about

0:11:32.600 --> 0:11:35.000
<v Speaker 2>it's not a negative you know, it's it's a it's

0:11:35.040 --> 0:11:38.520
<v Speaker 2>a it's an lgbt Q story about a black boy

0:11:38.640 --> 0:11:41.920
<v Speaker 2>for boy. On so many levels, it's a groundbreaking it's

0:11:41.960 --> 0:11:43.319
<v Speaker 2>based on a play like I.

0:11:43.280 --> 0:11:48.280
<v Speaker 1>Mean, yeah, yeah, he was the first Muslim they ever

0:11:48.320 --> 0:11:50.880
<v Speaker 1>ran an oscar? Was it? Yeah?

0:11:50.960 --> 0:11:53.520
<v Speaker 2>Maherschela ali One had just had won. He was like

0:11:53.520 --> 0:11:55.520
<v Speaker 2>the first award of the night. He won Best Supporting

0:11:55.559 --> 0:11:58.679
<v Speaker 2>Actor for playing Wan in the movie who was the

0:11:58.760 --> 0:12:03.000
<v Speaker 2>drug dealer of like godfather to Sharon who's the boy

0:12:03.679 --> 0:12:06.200
<v Speaker 2>or Chyne who's the boy in the film. But anyway,

0:12:06.280 --> 0:12:09.920
<v Speaker 2>so like you you could you understand why people were

0:12:09.920 --> 0:12:11.800
<v Speaker 2>like it was already going to be historic for them

0:12:11.840 --> 0:12:14.480
<v Speaker 2>to win, but the fact that they won like in

0:12:14.520 --> 0:12:17.160
<v Speaker 2>that way, some people were upset that they felt like

0:12:17.840 --> 0:12:21.720
<v Speaker 2>the beauty and like the purity of that win was lost.

0:12:21.800 --> 0:12:24.600
<v Speaker 2>But then I kind of, I don't know, it almost

0:12:24.640 --> 0:12:27.679
<v Speaker 2>became like a The way that they handled it, the

0:12:27.720 --> 0:12:29.480
<v Speaker 2>way that La La Land handled it, and the way

0:12:29.480 --> 0:12:32.200
<v Speaker 2>that Barry Jenkins handled it, I thought was really beautiful

0:12:32.320 --> 0:12:34.480
<v Speaker 2>because as soon as Barry got up there, he was

0:12:34.520 --> 0:12:37.280
<v Speaker 2>thanking the La La Land producer. He's like that was

0:12:37.520 --> 0:12:39.280
<v Speaker 2>that was so gracious. I don't know what I would

0:12:39.280 --> 0:12:41.880
<v Speaker 2>have done in that position. I mean to find out

0:12:41.920 --> 0:12:44.200
<v Speaker 2>that you won and then you lost, Like that's freaking

0:12:44.240 --> 0:12:45.160
<v Speaker 2>embarrassing and like.

0:12:45.120 --> 0:12:47.760
<v Speaker 1>Crush, Yeah, no it is because it's not their fault.

0:12:47.760 --> 0:12:51.120
<v Speaker 1>It's not allow of catch fall. Yeah, so it's but

0:12:51.240 --> 0:12:53.240
<v Speaker 1>you're rack like I did see some interviews like Emma

0:12:53.320 --> 0:12:56.480
<v Speaker 1>Stone it's an actor, and she was just like, you know,

0:12:57.120 --> 0:13:00.320
<v Speaker 1>she was like, honestly, is it disappointing? Yeah, of course,

0:13:00.320 --> 0:13:02.400
<v Speaker 1>but honestly I love Moonlight and she just was gushing

0:13:02.440 --> 0:13:05.120
<v Speaker 1>about it, and I thought, you know that despite all

0:13:05.160 --> 0:13:08.440
<v Speaker 1>of that that and even like you said, I mean,

0:13:08.480 --> 0:13:09.760
<v Speaker 1>you don't know what you did if you're up there,

0:13:09.800 --> 0:13:11.640
<v Speaker 1>I know, the warm babies, like, what the entire hell

0:13:11.720 --> 0:13:12.080
<v Speaker 1>is going on?

0:13:13.240 --> 0:13:14.760
<v Speaker 2>He came out later He's like I just wanted to

0:13:14.760 --> 0:13:17.560
<v Speaker 2>explain what happened, and he's kind of and then Jimmy Kimmel,

0:13:17.600 --> 0:13:19.720
<v Speaker 2>the host, he I thought he did a you know,

0:13:19.880 --> 0:13:22.520
<v Speaker 2>the best he could, trying to like like deflect or

0:13:22.559 --> 0:13:25.880
<v Speaker 2>not deflect, but like calm down that he cracked us

0:13:25.920 --> 0:13:29.880
<v Speaker 2>Stevie Stevie Steve Harvey joke. He was like, I blame

0:13:29.960 --> 0:13:30.560
<v Speaker 2>Steve Harvey.

0:13:31.600 --> 0:13:33.640
<v Speaker 1>That was good. If you ever get in trouble, just

0:13:33.640 --> 0:13:34.400
<v Speaker 1>blame Steve Harper.

0:13:34.440 --> 0:13:36.160
<v Speaker 2>Just blame because I mean, but I was like, that's

0:13:36.200 --> 0:13:41.720
<v Speaker 2>miss America. This is the freaking Academy. Yay, all drama

0:13:41.760 --> 0:13:44.640
<v Speaker 2>and all that aside, Like Moonlight is I mean, if

0:13:44.640 --> 0:13:47.679
<v Speaker 2>you haven't seen it yet, watch it. It is beautiful,

0:13:47.720 --> 0:13:50.280
<v Speaker 2>and then watch Moonlight too, because it's beautiful. I've said before,

0:13:50.360 --> 0:13:52.880
<v Speaker 2>it's so impossible to compare the two movies. They are

0:13:52.880 --> 0:13:56.640
<v Speaker 2>two different. I think to say one is better than

0:13:56.640 --> 0:13:58.920
<v Speaker 2>the other. I think they're both extraordinary for what they are.

0:13:59.040 --> 0:14:01.839
<v Speaker 2>But Moonlight, like, there's never like in terms of like

0:14:01.920 --> 0:14:05.839
<v Speaker 2>originality the subject matter, there was not another There's never

0:14:05.880 --> 0:14:08.640
<v Speaker 2>been a film like it. But you should go see it.

0:14:09.320 --> 0:14:13.200
<v Speaker 1>No, that sounds awesome. I mean unless I know, have

0:14:13.320 --> 0:14:16.360
<v Speaker 1>you followed this Remy Ma Nicki Minaj's beef.

0:14:21.960 --> 0:14:24.960
<v Speaker 2>Was like while we're here, Oh no, I just thought, like,

0:14:24.960 --> 0:14:26.600
<v Speaker 2>we hardly know who remym is?

0:14:26.640 --> 0:14:29.240
<v Speaker 1>Can I admit that? No, that's fine because I don't.

0:14:29.240 --> 0:14:31.479
<v Speaker 2>I think I saw her on him on Spotify?

0:14:31.680 --> 0:14:35.320
<v Speaker 1>Is it him? Y? Yeah, she almost had it her. Sorry,

0:14:35.520 --> 0:14:38.160
<v Speaker 1>Millennials are like, who's remy Ma? I think it's hilarious,

0:14:38.200 --> 0:14:40.200
<v Speaker 1>but I'm like millennials like, oh my god, this thing

0:14:40.280 --> 0:14:42.440
<v Speaker 1>is going to give remy mind like a whole career.

0:14:42.480 --> 0:14:45.600
<v Speaker 1>I'm like, girl, I was here, she was here. She

0:14:45.840 --> 0:14:48.840
<v Speaker 1>was before Nicki Minaj was anything. There was Remy Ma.

0:14:49.080 --> 0:14:51.720
<v Speaker 1>So she was like back in the day when they

0:14:51.760 --> 0:14:53.800
<v Speaker 1>used to have like rap crewise they still have somewhat,

0:14:53.840 --> 0:14:56.360
<v Speaker 1>but like how Young Money which is Drake and like

0:14:56.440 --> 0:15:00.240
<v Speaker 1>you know, or cash Money Drake and and and Little

0:15:00.240 --> 0:15:03.160
<v Speaker 1>Wayne and all of them. So back then Terror Squad

0:15:03.360 --> 0:15:06.920
<v Speaker 1>was like a crew which was Fat Joe, Remy Ma.

0:15:08.240 --> 0:15:10.920
<v Speaker 1>Oh what is the other guy's name? That big pun.

0:15:11.280 --> 0:15:13.480
<v Speaker 1>So they were like all Hispanic for the most part,

0:15:13.520 --> 0:15:16.000
<v Speaker 1>I'm thinking, is remy Hispanic? I think so. So anyway,

0:15:16.080 --> 0:15:18.560
<v Speaker 1>she was like the girl of that crew. How like

0:15:18.560 --> 0:15:21.120
<v Speaker 1>Little Kim was like the girl crew with like Junior

0:15:21.120 --> 0:15:24.600
<v Speaker 1>Mafia and Big you know. So anyway, so Remy Ma

0:15:25.920 --> 0:15:29.840
<v Speaker 1>she got into trouble for beating up and allegedly shooting

0:15:30.680 --> 0:15:32.840
<v Speaker 1>one of her friends over money, I think whatever. She

0:15:32.840 --> 0:15:34.960
<v Speaker 1>went to jail for a long time, like nine years,

0:15:35.600 --> 0:15:37.400
<v Speaker 1>and then she came out. So she was she went

0:15:37.440 --> 0:15:39.520
<v Speaker 1>to jail really at the height of her she was

0:15:39.640 --> 0:15:42.080
<v Speaker 1>just starting to really build her her career. She went

0:15:42.120 --> 0:15:46.440
<v Speaker 1>to jail for doing that, came back and then landed

0:15:46.440 --> 0:15:49.600
<v Speaker 1>a spot on Love and Hip Hop, where, oddly enough,

0:15:50.000 --> 0:15:52.400
<v Speaker 1>she wasn't really the drama one like you know, like

0:15:52.440 --> 0:15:54.760
<v Speaker 1>everybody else on those Love and Hip hop kind of shows,

0:15:54.960 --> 0:15:58.200
<v Speaker 1>it's all about dramatics, but her her storyline on there

0:15:58.280 --> 0:16:00.920
<v Speaker 1>is really about her and her husband, who like waited

0:16:00.920 --> 0:16:03.440
<v Speaker 1>for her. They got married right before she she one

0:16:03.440 --> 0:16:05.000
<v Speaker 1>away or she I think day actually got married while

0:16:05.000 --> 0:16:08.240
<v Speaker 1>she was in prison, and I don't know. It's it's

0:16:08.280 --> 0:16:11.000
<v Speaker 1>oddly beautiful their love story and how much he loves her.

0:16:11.560 --> 0:16:14.280
<v Speaker 2>So that's oh, oh okay, I'm trying to catch up

0:16:14.280 --> 0:16:18.680
<v Speaker 2>while you're talking. Wait, it's like the Mink mil Drake

0:16:18.800 --> 0:16:20.480
<v Speaker 2>beef of twenty sixteen.

0:16:21.360 --> 0:16:23.240
<v Speaker 1>Yeah, kind of a girl because they haven't really had

0:16:23.280 --> 0:16:25.080
<v Speaker 1>female rap hip hop beef in a long time.

0:16:25.160 --> 0:16:27.960
<v Speaker 2>Was she like beefing with Little Kim?

0:16:28.440 --> 0:16:31.000
<v Speaker 1>No, so, Nicki Minaj was a little bit beefing, was

0:16:31.040 --> 0:16:34.840
<v Speaker 1>Little Kim, Because I guess Kim felt that Nikki kind

0:16:34.840 --> 0:16:37.240
<v Speaker 1>of basically stole her whole swag, which I'm not gonna

0:16:37.240 --> 0:16:39.880
<v Speaker 1>say I disagree with. I mean, you know, Nicki's like

0:16:40.280 --> 0:16:42.200
<v Speaker 1>when you really look at Little Kim and like even

0:16:42.200 --> 0:16:44.720
<v Speaker 1>some of the ways she dresses where Nikki dressed at first,

0:16:44.800 --> 0:16:47.480
<v Speaker 1>and some of her inflections and cadence and stuff like that.

0:16:47.640 --> 0:16:50.480
<v Speaker 1>I'm not gonna totally disagree, so but you know, but

0:16:50.520 --> 0:16:53.560
<v Speaker 1>no one has really been able to when they've kind

0:16:53.600 --> 0:16:55.800
<v Speaker 1>of come at Nikki really make a DBT and then

0:16:55.960 --> 0:17:00.200
<v Speaker 1>enter in remim aka Gangsta Boo and so she. I

0:17:00.200 --> 0:17:04.000
<v Speaker 1>guess Remy has been putting out music and actually surprisingly

0:17:04.000 --> 0:17:05.480
<v Speaker 1>because you know, you don't often get a chance to

0:17:05.480 --> 0:17:07.600
<v Speaker 1>come back, her music has been doing well. She just

0:17:07.600 --> 0:17:10.119
<v Speaker 1>got nominated for a Grammy. She had a song out

0:17:10.160 --> 0:17:12.040
<v Speaker 1>where people were like, ooh, are you talking about Nicki,

0:17:12.119 --> 0:17:15.439
<v Speaker 1>and she specifically addressed and said no, Like in an interurview,

0:17:15.440 --> 0:17:17.119
<v Speaker 1>she said, I'm not talking about Nicki stopped trying to

0:17:17.119 --> 0:17:19.840
<v Speaker 1>make beef between rap women. But I guess Nicki felt

0:17:19.840 --> 0:17:21.760
<v Speaker 1>like she was talking about her. So Nicki went on

0:17:21.800 --> 0:17:25.159
<v Speaker 1>to do I think two cameos where she clearly was

0:17:25.240 --> 0:17:28.480
<v Speaker 1>dissing remiwand so Remi wand came out with a song

0:17:28.560 --> 0:17:31.560
<v Speaker 1>called Sheather, which is the play on ether. I don't

0:17:31.560 --> 0:17:33.159
<v Speaker 1>know if you remember the I don't know how you

0:17:33.160 --> 0:17:37.640
<v Speaker 1>cannot remember the jay z Nos beef, which was put

0:17:37.680 --> 0:17:40.879
<v Speaker 1>to bed by Naz's epic most epic diss record of

0:17:40.880 --> 0:17:44.040
<v Speaker 1>all time, Fight Me if you want, called Ether where

0:17:44.040 --> 0:17:47.399
<v Speaker 1>he kills jay Z on this record, and so she

0:17:47.720 --> 0:17:49.560
<v Speaker 1>did like a play on it called Sheather with the

0:17:49.560 --> 0:17:53.240
<v Speaker 1>same beat. And although I was not like super impressed

0:17:53.280 --> 0:17:55.159
<v Speaker 1>with the flow and stuff, just the things that she

0:17:55.200 --> 0:17:57.520
<v Speaker 1>was saying were like, well, the part that really struck

0:17:57.560 --> 0:18:00.399
<v Speaker 1>me wasn't really anything else other than the financial I

0:18:00.440 --> 0:18:03.240
<v Speaker 1>was like, wow, because you know, me financed. So here's

0:18:03.240 --> 0:18:04.560
<v Speaker 1>the part that struck me. For those of you're like,

0:18:04.560 --> 0:18:07.359
<v Speaker 1>where's all this going? The financial piece, I was like,

0:18:07.400 --> 0:18:12.360
<v Speaker 1>So rebby Las says in this rap, Nikki, you have

0:18:12.440 --> 0:18:15.119
<v Speaker 1>a three sixty deal, which is supposed to be like

0:18:15.160 --> 0:18:18.160
<v Speaker 1>the worst deal in the in the in the record industry.

0:18:18.440 --> 0:18:20.840
<v Speaker 1>And what that deal is is like a major record

0:18:20.920 --> 0:18:25.520
<v Speaker 1>label gets on like a major artist. So let's just

0:18:25.520 --> 0:18:30.800
<v Speaker 1>say Lil Wayne, and then Lil Wayne is under or

0:18:30.960 --> 0:18:34.800
<v Speaker 1>or signed somebody like a Drake, So Lil Wayne now

0:18:34.840 --> 0:18:37.280
<v Speaker 1>has its own record label under that label, and then

0:18:37.400 --> 0:18:40.760
<v Speaker 1>Drake has his own record label under Little Wayne. So

0:18:40.800 --> 0:18:44.080
<v Speaker 1>basically it's like major record label, major artists record label

0:18:44.160 --> 0:18:46.800
<v Speaker 1>under them, then major artists under them's recular so like

0:18:46.840 --> 0:18:49.800
<v Speaker 1>three record labels, and then they signed Nikki, so like,

0:18:50.040 --> 0:18:51.760
<v Speaker 1>that's like, I mean, that's not exactly what happened, but

0:18:52.160 --> 0:18:55.359
<v Speaker 1>I think she said first it's like Republic, then cash money,

0:18:55.640 --> 0:18:57.919
<v Speaker 1>then young money or something like that. And she says

0:18:57.960 --> 0:19:01.440
<v Speaker 1>in the rap that five people touch your money before

0:19:01.520 --> 0:19:03.920
<v Speaker 1>you do, because it's one of the worst deals because

0:19:04.600 --> 0:19:08.240
<v Speaker 1>one you're not directly signed, so you're not It's bad

0:19:08.359 --> 0:19:10.800
<v Speaker 1>enough that a label gets a cut, but it's like

0:19:10.920 --> 0:19:13.240
<v Speaker 1>main label gets a cut, secondary label gets a cut,

0:19:13.320 --> 0:19:15.480
<v Speaker 1>third label gets a cut before you get a cut.

0:19:15.560 --> 0:19:17.560
<v Speaker 1>And then on top of that, with this three sixty deal,

0:19:17.600 --> 0:19:21.120
<v Speaker 1>apparently you are responsible for paying for everything, so you're

0:19:21.840 --> 0:19:23.159
<v Speaker 1>you have to pay for your tour, you have to

0:19:23.160 --> 0:19:25.520
<v Speaker 1>pay for your for your videos, you have to pay

0:19:25.520 --> 0:19:28.160
<v Speaker 1>for everything before you get any money. So it's very difficult.

0:19:28.160 --> 0:19:30.919
<v Speaker 1>Although Nikki is very successful remy Mansea, you know, you

0:19:30.920 --> 0:19:33.240
<v Speaker 1>can say what you want, but I own all my publishing,

0:19:33.280 --> 0:19:35.119
<v Speaker 1>I own the rights and the masters to all my music.

0:19:35.400 --> 0:19:37.520
<v Speaker 1>So she was like, for every one record I sell

0:19:38.119 --> 0:19:39.560
<v Speaker 1>for you to make the same amount of money, you

0:19:39.560 --> 0:19:41.600
<v Speaker 1>have to sell ten. And I just thought that was

0:19:41.600 --> 0:19:44.360
<v Speaker 1>really interesting, like wow, that people are still signing deals

0:19:44.720 --> 0:19:49.520
<v Speaker 1>that put them in a financial space. Like that, where

0:19:49.960 --> 0:19:52.000
<v Speaker 1>like you we've all like you know, seem like you know,

0:19:52.240 --> 0:19:54.880
<v Speaker 1>you hear about a new edition all of these kind

0:19:54.880 --> 0:19:57.879
<v Speaker 1>of like old skilled musical acts that like TLC that

0:19:57.920 --> 0:20:01.240
<v Speaker 1>got one dollar for going on tour that basically the

0:20:01.359 --> 0:20:04.240
<v Speaker 1>label charges them to be an artist and owns all

0:20:04.280 --> 0:20:06.000
<v Speaker 1>of their rights. And I just thought, wow, NICKI has

0:20:06.000 --> 0:20:07.719
<v Speaker 1>a deal like that. So that's the part that kind

0:20:07.760 --> 0:20:09.320
<v Speaker 1>of interests me, Like, wow.

0:20:09.440 --> 0:20:11.959
<v Speaker 2>Now see where was remy ma when Nicki needed a

0:20:12.000 --> 0:20:15.720
<v Speaker 2>mentor and a woman to help her navigate these treacherous

0:20:15.760 --> 0:20:19.720
<v Speaker 2>waters of like jail business. But like you know how

0:20:19.720 --> 0:20:21.760
<v Speaker 2>it is, I'm trying to think of a teaching moment

0:20:21.800 --> 0:20:24.520
<v Speaker 2>out of all this, and it's like, at what point

0:20:24.760 --> 0:20:29.080
<v Speaker 2>do you I mean, competition among women in professional careers

0:20:29.200 --> 0:20:32.560
<v Speaker 2>is always like, you know, it's hyped. You know, it's

0:20:32.800 --> 0:20:36.360
<v Speaker 2>people love it, people love the cattiness and stuff like that.

0:20:36.440 --> 0:20:38.840
<v Speaker 2>But at the same time, I feel like, you know,

0:20:38.880 --> 0:20:42.280
<v Speaker 2>we should a lot of cases or maybe not as like,

0:20:42.480 --> 0:20:45.280
<v Speaker 2>but doesn't get publicized is when women actually help women

0:20:45.359 --> 0:20:48.440
<v Speaker 2>and don't use each other to get into the limelight.

0:20:48.520 --> 0:20:52.760
<v Speaker 2>And yeah, it's just mean. And like NICKI was young

0:20:52.760 --> 0:20:54.399
<v Speaker 2>when she signed that contract. I bet I know. I

0:20:54.400 --> 0:20:55.640
<v Speaker 2>bet she knows it's a shitty deal.

0:20:56.119 --> 0:20:59.520
<v Speaker 1>Yeah, I'm sure regrets it. It's also hip hop, like honestly,

0:20:59.560 --> 0:21:03.280
<v Speaker 1>I know a lot of it is. Yeah, and as

0:21:03.320 --> 0:21:04.920
<v Speaker 1>long as to me, it's like, you know, part of

0:21:05.000 --> 0:21:08.000
<v Speaker 1>hip hop history that you know, you're who can be

0:21:08.040 --> 0:21:11.720
<v Speaker 1>the most clever with their words of really like exposing

0:21:11.760 --> 0:21:13.720
<v Speaker 1>the other person, but like only on words like like

0:21:13.760 --> 0:21:16.359
<v Speaker 1>the jay Z NOAs honestly, like you know, jay Z

0:21:16.480 --> 0:21:19.800
<v Speaker 1>went on to continued success and did as did NOAs

0:21:20.200 --> 0:21:23.159
<v Speaker 1>and we have an epic like rap battle that we

0:21:23.200 --> 0:21:25.120
<v Speaker 1>look back on and they're cool now. So I don't

0:21:25.119 --> 0:21:26.880
<v Speaker 1>mind hip hop beef because it's part of hip hop.

0:21:27.040 --> 0:21:28.919
<v Speaker 1>So I don't mind you know that. I guess I

0:21:29.000 --> 0:21:31.159
<v Speaker 1>was just like, wow, it's just interesting because one of

0:21:31.200 --> 0:21:33.720
<v Speaker 1>my cousins works in the music industry. He's actually like

0:21:33.760 --> 0:21:36.879
<v Speaker 1>the the A and R Global an R for one

0:21:36.880 --> 0:21:39.440
<v Speaker 1>of these major labels. He's really young too, but he's

0:21:39.440 --> 0:21:41.120
<v Speaker 1>worked for almost all of the labels you can think

0:21:41.119 --> 0:21:43.879
<v Speaker 1>of what all the labels that cater to hip hop,

0:21:44.160 --> 0:21:47.840
<v Speaker 1>and he's actually signed Katy Perry. His name is Chris

0:21:47.880 --> 0:21:50.720
<v Speaker 1>Annakute and he used to tell me all the time

0:21:51.160 --> 0:21:54.080
<v Speaker 1>that he once came to speak at a at a

0:21:54.080 --> 0:21:57.040
<v Speaker 1>boys and girls club and they were asking him he's

0:21:57.280 --> 0:21:59.800
<v Speaker 1>he was one of the people that helped to break Riyana.

0:22:00.320 --> 0:22:03.399
<v Speaker 1>Upon the replay, he signed the guy that wrote that

0:22:03.480 --> 0:22:06.479
<v Speaker 1>song for Rihanna, And so he would say all the

0:22:06.480 --> 0:22:09.560
<v Speaker 1>time that you know, oftentimes the musicians on the road

0:22:09.680 --> 0:22:13.040
<v Speaker 1>are making more than the artists. So he was like, like,

0:22:13.119 --> 0:22:14.760
<v Speaker 1>for example, if you're on the road and you have

0:22:14.880 --> 0:22:18.520
<v Speaker 1>like say like a piano player, they are guaranteed a

0:22:18.560 --> 0:22:21.000
<v Speaker 1>salary of like, okay, they're making sixty eighty thousand dollars

0:22:21.040 --> 0:22:24.720
<v Speaker 1>a year. The musician is not because their money comes

0:22:24.800 --> 0:22:27.159
<v Speaker 1>after everyone else is paid. And I just thought that

0:22:27.280 --> 0:22:29.600
<v Speaker 1>was so fascinating back then. And he was like, you know,

0:22:29.640 --> 0:22:33.119
<v Speaker 1>if you're in the music industry to grow wealth, that

0:22:33.320 --> 0:22:35.160
<v Speaker 1>being in front of the camera is not the place

0:22:35.200 --> 0:22:37.280
<v Speaker 1>to do it. So that was kind of like his

0:22:37.400 --> 0:22:38.960
<v Speaker 1>role to kind of teach the kids of all the

0:22:38.960 --> 0:22:40.760
<v Speaker 1>ways you could be part of the music industry that

0:22:40.800 --> 0:22:43.679
<v Speaker 1>actually makes money without having to pick up a microphone,

0:22:43.920 --> 0:22:46.040
<v Speaker 1>because these other ways make way more And I thought, wow,

0:22:46.119 --> 0:22:48.800
<v Speaker 1>he was kind of listing artists that well, I won't

0:22:48.800 --> 0:22:50.800
<v Speaker 1>list them, but like artists back then that he was

0:22:50.800 --> 0:22:53.119
<v Speaker 1>like nope, no money, no money. Oh yeah, money, no money,

0:22:53.160 --> 0:22:56.960
<v Speaker 1>no money. And I was like wow, So sometimes people look.

0:22:56.800 --> 0:22:59.000
<v Speaker 2>At it, that's right if everyone lost their mind when

0:22:59.080 --> 0:23:02.640
<v Speaker 2>Chance the Rapper won Grammy. Yeah, that's a self made

0:23:02.640 --> 0:23:04.760
<v Speaker 2>I mean he doesn't have a label. I mean he

0:23:04.840 --> 0:23:07.159
<v Speaker 2>was like he thinks SoundCloud in his speech, you know

0:23:07.160 --> 0:23:07.560
<v Speaker 2>what I mean?

0:23:07.720 --> 0:23:10.600
<v Speaker 1>Like yes, which is dope though, because what he's doing,

0:23:10.640 --> 0:23:14.720
<v Speaker 1>single handedly, honestly is changing the industry, because the fact is,

0:23:15.320 --> 0:23:19.560
<v Speaker 1>you know, the music industry is really leans upon taking

0:23:19.600 --> 0:23:24.320
<v Speaker 1>advantage of art and people's. People's one their eagerness to

0:23:24.359 --> 0:23:26.840
<v Speaker 1>want to get their music and their their talent out there,

0:23:27.119 --> 0:23:29.359
<v Speaker 1>and two their their lack of knowledge of how things

0:23:29.400 --> 0:23:31.560
<v Speaker 1>actually work, and chances like no, you will not take

0:23:31.560 --> 0:23:33.480
<v Speaker 1>advantage of me. No, you will not own my voice.

0:23:33.600 --> 0:23:36.520
<v Speaker 1>I remember there was a there was a case where

0:23:36.560 --> 0:23:39.400
<v Speaker 1>I forget who it was. It was a singer who

0:23:39.440 --> 0:23:42.720
<v Speaker 1>had finally left the record label and they owned that

0:23:42.840 --> 0:23:46.199
<v Speaker 1>singer's I guess material, and he went on to do

0:23:46.280 --> 0:23:50.639
<v Speaker 1>another album and they sued him for a copyright infringement

0:23:51.560 --> 0:23:53.120
<v Speaker 1>and they went to course for it. They're like, yeah,

0:23:53.160 --> 0:23:55.119
<v Speaker 1>your album sounds like this other album. He's like it's me,

0:23:56.280 --> 0:23:58.520
<v Speaker 1>what do you mean? So basically they're like, you can't

0:23:58.560 --> 0:24:01.080
<v Speaker 1>sound like yourself on your new album not that Wow,

0:24:01.200 --> 0:24:04.399
<v Speaker 1>how terrible. So it's just a lesson to anyone starting

0:24:04.440 --> 0:24:05.760
<v Speaker 1>a business, anyone.

0:24:05.600 --> 0:24:08.560
<v Speaker 2>Especially the artists, Like there's yeah, I think more vulnerable

0:24:09.160 --> 0:24:12.000
<v Speaker 2>like group of professionals than working artists who are just

0:24:12.040 --> 0:24:13.040
<v Speaker 2>struggling to get by.

0:24:13.880 --> 0:24:16.320
<v Speaker 1>Exactly that you have to own and keep ownership of

0:24:16.400 --> 0:24:19.919
<v Speaker 1>your things because if not at least majority ownership. If not,

0:24:19.960 --> 0:24:22.720
<v Speaker 1>then you put yourself in a position to you know,

0:24:23.240 --> 0:24:26.720
<v Speaker 1>literally see your product grow and make money and not

0:24:26.760 --> 0:24:27.880
<v Speaker 1>be able to benefit from that.

0:24:28.520 --> 0:24:30.639
<v Speaker 2>Yeah, that's one of the reasons why I didn't launch

0:24:30.680 --> 0:24:33.000
<v Speaker 2>the Brown Ambition, why I decided to do this on

0:24:33.040 --> 0:24:35.639
<v Speaker 2>my own with us, you know, as an independent venture,

0:24:35.760 --> 0:24:38.800
<v Speaker 2>because I could have launched it with Yahoo and was

0:24:38.880 --> 0:24:40.639
<v Speaker 2>you know, I was with Yahoo at the time. But

0:24:40.840 --> 0:24:44.120
<v Speaker 2>the idea of like, you know, you know how things

0:24:44.160 --> 0:24:46.240
<v Speaker 2>work when you're attached to a huge company like that,

0:24:46.440 --> 0:24:50.919
<v Speaker 2>and it's you become sort of like another another project

0:24:50.960 --> 0:24:52.679
<v Speaker 2>and you have to meet metrics and you have to

0:24:52.720 --> 0:24:55.440
<v Speaker 2>sort of like fight for your fight, you know, get

0:24:55.440 --> 0:24:58.080
<v Speaker 2>input from outside voices and like it sort of Yeah,

0:24:58.160 --> 0:25:01.040
<v Speaker 2>becomes less about you, and and I was like, I

0:25:01.080 --> 0:25:03.080
<v Speaker 2>want to something that can stand on its own two

0:25:03.080 --> 0:25:04.880
<v Speaker 2>feet and that if I leave, it's not like it's

0:25:04.920 --> 0:25:08.320
<v Speaker 2>tied to this. It's sort of like like like diversifying.

0:25:09.680 --> 0:25:11.600
<v Speaker 2>And you do the same thing with you you write

0:25:11.600 --> 0:25:13.760
<v Speaker 2>your ebooks and you don't go through a publisher, and

0:25:13.800 --> 0:25:16.439
<v Speaker 2>then you get what like seventy percent of the profits

0:25:16.560 --> 0:25:19.040
<v Speaker 2>versus like eleven percent if you were to use.

0:25:20.760 --> 0:25:23.400
<v Speaker 1>If I'm lucky, I know somebody who was like literally

0:25:23.440 --> 0:25:28.480
<v Speaker 1>like like our very finance mother. She shared that like honestly,

0:25:28.520 --> 0:25:31.160
<v Speaker 1>she's like, uh, like her money, like when it comes

0:25:31.200 --> 0:25:34.080
<v Speaker 1>to book sales mostly comes from her independent books. That

0:25:34.160 --> 0:25:37.320
<v Speaker 1>she has books that New York Times bestsellers, and she

0:25:37.359 --> 0:25:40.280
<v Speaker 1>has books that have been published traditionally. But she was

0:25:40.320 --> 0:25:43.240
<v Speaker 1>like those books helped to fuel the sales of the

0:25:43.280 --> 0:25:45.520
<v Speaker 1>books that actually make her money. And I've had a

0:25:45.520 --> 0:25:47.760
<v Speaker 1>book agent come up to me just last year, you know,

0:25:47.840 --> 0:25:50.959
<v Speaker 1>after selling like so many of like because by then

0:25:51.000 --> 0:25:53.720
<v Speaker 1>I had three best selling books on Amazon, and agent

0:25:53.760 --> 0:25:55.280
<v Speaker 1>approached me. It was like, you know, we really like

0:25:55.359 --> 0:25:57.800
<v Speaker 1>to talk to you about maybe traditional publishing. And I

0:25:57.800 --> 0:26:00.359
<v Speaker 1>said okay. So we had a meeting and when we

0:26:00.359 --> 0:26:02.800
<v Speaker 1>broke down the numbers and I was telling her, you know,

0:26:02.880 --> 0:26:04.920
<v Speaker 1>like how much I was making in my audience size,

0:26:04.960 --> 0:26:10.159
<v Speaker 1>and she kind of was like, so, I'm gonna be honest,

0:26:10.680 --> 0:26:13.199
<v Speaker 1>there's no reason for you to sign with me. And

0:26:13.240 --> 0:26:15.679
<v Speaker 1>I was like really, She was like yeah. She was like,

0:26:15.760 --> 0:26:17.879
<v Speaker 1>I mean, we're not going to get seventy percent. She

0:26:18.080 --> 0:26:20.239
<v Speaker 1>was like, you know, typically I could tell you, oh,

0:26:20.240 --> 0:26:22.280
<v Speaker 1>we could expose you to a larger audience. You've already

0:26:22.280 --> 0:26:24.760
<v Speaker 1>built your audience. She said. The only thing I could

0:26:24.760 --> 0:26:27.760
<v Speaker 1>say is that if you sign with a larger publisher,

0:26:28.240 --> 0:26:30.560
<v Speaker 1>you know, oftentimes we're able to get you on more

0:26:30.640 --> 0:26:33.760
<v Speaker 1>national television more regularly. Because we pitched in a group,

0:26:33.840 --> 0:26:36.640
<v Speaker 1>so you know, a larger publisher has like really great

0:26:36.720 --> 0:26:39.800
<v Speaker 1>contacts at Good Morning America or Today's show and says, hey,

0:26:39.840 --> 0:26:41.920
<v Speaker 1>we've got like five different authors with books. I'll pick

0:26:42.000 --> 0:26:44.479
<v Speaker 1>one that you want to have on. But she was like,

0:26:44.600 --> 0:26:46.639
<v Speaker 1>even that, it looks like your publicist is doing a

0:26:46.680 --> 0:26:49.080
<v Speaker 1>pretty good job. So she was like, I'm not gonna lie,

0:26:49.720 --> 0:26:52.880
<v Speaker 1>like that's what we're We're here for one larger audience

0:26:53.560 --> 0:26:56.520
<v Speaker 1>and two media. She was like, but you have those things,

0:26:56.560 --> 0:26:59.360
<v Speaker 1>so I'm not saying you shouldn't sign, but I don't

0:26:59.400 --> 0:27:00.760
<v Speaker 1>know that we're going to better for you than you're

0:27:00.760 --> 0:27:02.800
<v Speaker 1>doing it for yourself. So that was a really powerful

0:27:02.800 --> 0:27:05.679
<v Speaker 1>affirmation and like, Okay, you can do it yourself. Is

0:27:05.680 --> 0:27:09.359
<v Speaker 1>it longer, Yeah, but to me it's worth it because

0:27:09.400 --> 0:27:11.880
<v Speaker 1>when that book money comes in. I know people who

0:27:11.920 --> 0:27:13.320
<v Speaker 1>when they go in an event, they can't even sell

0:27:13.320 --> 0:27:15.800
<v Speaker 1>their own book. It's not theirs. Like if you go

0:27:15.920 --> 0:27:17.600
<v Speaker 1>to an event and you're speaking in the front of

0:27:17.600 --> 0:27:20.040
<v Speaker 1>the room as a keynote speaker and you're like, ooh,

0:27:20.200 --> 0:27:22.119
<v Speaker 1>let me sell some books in the back, they have

0:27:22.200 --> 0:27:25.560
<v Speaker 1>to call the publisher. The publisher brings the books someone

0:27:25.600 --> 0:27:27.280
<v Speaker 1>to sell it and takes the money and the books

0:27:27.280 --> 0:27:29.520
<v Speaker 1>back with them, and you're like, okay, I guess i'll

0:27:29.520 --> 0:27:32.160
<v Speaker 1>see my my eleven percent later on in my check

0:27:32.200 --> 0:27:34.080
<v Speaker 1>this week, not me as soon as you give me cash.

0:27:34.119 --> 0:27:36.879
<v Speaker 1>That is all mine, minus like one the cost of.

0:27:36.880 --> 0:27:39.359
<v Speaker 2>The books byob be your own boss.

0:27:40.040 --> 0:27:54.040
<v Speaker 1>Yes, lord, all right?

0:27:54.400 --> 0:27:54.840
<v Speaker 2>Moving along?

0:27:55.280 --> 0:27:57.320
<v Speaker 1>Yes, well real quick like. So that was really keep

0:27:57.359 --> 0:27:58.960
<v Speaker 1>your mom looked so adorable. I was like, I can

0:27:59.040 --> 0:28:01.479
<v Speaker 1>see how you guys look alone. I'm like, look there,

0:28:01.520 --> 0:28:03.520
<v Speaker 1>you're getting a little shoulder in action.

0:28:03.840 --> 0:28:07.199
<v Speaker 2>Love yeah. So on Saturday, I had my bridal shower,

0:28:07.600 --> 0:28:09.840
<v Speaker 2>which was which wasn't as terrible as I thought it

0:28:09.920 --> 0:28:12.280
<v Speaker 2>might be. I was really like weary of the whole

0:28:12.320 --> 0:28:14.200
<v Speaker 2>bridal shower thing. I'm like, oh, I just don't sit

0:28:14.240 --> 0:28:17.280
<v Speaker 2>here in open presence. It seemed lame. But like the

0:28:17.359 --> 0:28:19.760
<v Speaker 2>fact that, like as I when I finally got there,

0:28:19.760 --> 0:28:21.640
<v Speaker 2>I was like, oh, I get it. This is this

0:28:21.680 --> 0:28:25.000
<v Speaker 2>is perfect because my so my in laws, who are

0:28:25.080 --> 0:28:29.280
<v Speaker 2>Dominican live in you know, Inwood, have never met my friends,

0:28:29.359 --> 0:28:34.320
<v Speaker 2>have never met my bridesmaids, and my mother obviously had

0:28:34.320 --> 0:28:37.560
<v Speaker 2>never met anybody. And my friends had never met my

0:28:37.680 --> 0:28:40.360
<v Speaker 2>other you know, my mother or my my future in

0:28:40.440 --> 0:28:43.880
<v Speaker 2>laws and my future aunts in law, my my mother

0:28:43.920 --> 0:28:47.520
<v Speaker 2>in law sisters, and like it was it was like

0:28:47.760 --> 0:28:50.120
<v Speaker 2>clashing of the world in the in the best way possible.

0:28:50.120 --> 0:28:53.160
<v Speaker 2>I mean, we had to translate everything from Spanish from

0:28:53.160 --> 0:28:55.360
<v Speaker 2>English to Spanish, and like, while that seems like it

0:28:55.400 --> 0:28:57.800
<v Speaker 2>would be a headache, it was actually really fun to

0:28:57.960 --> 0:29:00.600
<v Speaker 2>like we were playing all these games and it was

0:29:00.600 --> 0:29:03.600
<v Speaker 2>funny like at one point we were playing Bingo and

0:29:03.640 --> 0:29:06.200
<v Speaker 2>my bridesmans didn't know this, but like my mother in

0:29:06.280 --> 0:29:09.600
<v Speaker 2>law stays at Bingo every day for like the last

0:29:09.640 --> 0:29:12.600
<v Speaker 2>two decades. She has been going to bingo every night.

0:29:12.720 --> 0:29:15.080
<v Speaker 2>Like a on the way to the shower, she was

0:29:15.080 --> 0:29:17.280
<v Speaker 2>bragging because she had just won two hundred bucks and

0:29:17.360 --> 0:29:20.400
<v Speaker 2>like she's just obsessed. She's obsessed with bingo and so

0:29:20.680 --> 0:29:22.920
<v Speaker 2>like that was the great universal thing at the shower

0:29:22.960 --> 0:29:24.800
<v Speaker 2>and like once the bingo and I was like, it

0:29:24.840 --> 0:29:26.560
<v Speaker 2>was just a stupid bingo game. It was like we're

0:29:26.560 --> 0:29:30.160
<v Speaker 2>gonna pull names of utense, like names of cooking supplies

0:29:30.200 --> 0:29:32.840
<v Speaker 2>out of a bowl, and then you know, it felt

0:29:32.840 --> 0:29:34.480
<v Speaker 2>like it would have been like a really lame game,

0:29:34.480 --> 0:29:37.280
<v Speaker 2>but it brought everyone together and it was I don't know,

0:29:37.280 --> 0:29:39.520
<v Speaker 2>it was just really beautiful and I had a really

0:29:39.520 --> 0:29:41.520
<v Speaker 2>great time. And I gotta think my girls because they did.

0:29:42.240 --> 0:29:45.400
<v Speaker 2>They did me proud, and they you know, I'm like

0:29:45.440 --> 0:29:47.720
<v Speaker 2>a control freak, so that I was really trying to

0:29:47.720 --> 0:29:49.120
<v Speaker 2>like get in there and like what can I do

0:29:49.200 --> 0:29:51.120
<v Speaker 2>and what do you need? And like, but they kept

0:29:51.160 --> 0:29:52.960
<v Speaker 2>me at bay and I'm glad they did because they

0:29:52.960 --> 0:29:56.440
<v Speaker 2>did a good job. I learned to trust. I like

0:29:56.560 --> 0:29:57.120
<v Speaker 2>learned to trust.

0:29:57.400 --> 0:29:58.480
<v Speaker 1>Like you look at it. I was like, oh mane,

0:29:58.480 --> 0:30:00.360
<v Speaker 1>it looks so I was like, what's this new, what

0:30:00.760 --> 0:30:03.280
<v Speaker 1>problem are you using your hair? Your young curls were poppen.

0:30:03.640 --> 0:30:07.360
<v Speaker 2>I know that. Yeah, my curls are happening Miss Jesse's.

0:30:07.520 --> 0:30:11.360
<v Speaker 2>I discovered Miss Jesse's. Yeah, okay, I gave up everything else.

0:30:11.400 --> 0:30:14.720
<v Speaker 2>And I you know, like you get, the older you get,

0:30:14.840 --> 0:30:16.600
<v Speaker 2>you the more you realize you just to try every

0:30:16.600 --> 0:30:18.880
<v Speaker 2>single damn thing until you find out what works for you.

0:30:19.920 --> 0:30:22.000
<v Speaker 2>And I finally found Miss Jesse's and I love her,

0:30:22.080 --> 0:30:23.480
<v Speaker 2>and I need we're gonna have her on the show

0:30:23.640 --> 0:30:26.000
<v Speaker 2>soon because I need to tell her how much I

0:30:26.080 --> 0:30:26.480
<v Speaker 2>love her.

0:30:27.560 --> 0:30:29.880
<v Speaker 1>Are you just claiming that or like, no, no, it's.

0:30:29.680 --> 0:30:31.320
<v Speaker 2>Happening, Like I've been in touch with her people, it

0:30:31.440 --> 0:30:32.480
<v Speaker 2>just hasn't happened yet.

0:30:32.640 --> 0:30:35.440
<v Speaker 1>And she, you know, I love her. She's like one

0:30:35.440 --> 0:30:39.040
<v Speaker 1>of the original. Like back when I first started getting

0:30:39.040 --> 0:30:41.719
<v Speaker 1>like going natural and like Miss Jesse's, you know, there

0:30:41.720 --> 0:30:44.520
<v Speaker 1>were hardly anybody really like teaching like brown girls like

0:30:44.520 --> 0:30:46.280
<v Speaker 1>what to do with their hair. And I remember like

0:30:46.440 --> 0:30:49.440
<v Speaker 1>them being like one of the like pioneer businesses. So

0:30:49.520 --> 0:30:52.120
<v Speaker 1>like to speak to another brown girl who started a

0:30:52.160 --> 0:30:55.760
<v Speaker 1>business for brown girls, like all types of brown girls,

0:30:55.840 --> 0:30:58.360
<v Speaker 1>it's just so inspiring because you know that's what I

0:30:58.400 --> 0:31:00.520
<v Speaker 1>do as the budget needs to. Like, it's a girl

0:31:00.680 --> 0:31:03.400
<v Speaker 1>who with the business for brown girls, so I would go,

0:31:03.520 --> 0:31:05.760
<v Speaker 1>I'm gonna totally geek out. I'm not gonna lie.

0:31:06.040 --> 0:31:08.000
<v Speaker 2>Do you want to do questions again this week?

0:31:09.960 --> 0:31:12.200
<v Speaker 1>Sure? Do you have any brown Breaker brown boosts before.

0:31:11.960 --> 0:31:15.480
<v Speaker 2>You get Yeah? Yeah, yeah, yeah, I can do a yeah,

0:31:15.520 --> 0:31:17.880
<v Speaker 2>we can do Brown Break, Brown Boost and then questions yep.

0:31:18.400 --> 0:31:24.640
<v Speaker 1>Okay, we're both likely. Who's going first?

0:31:25.120 --> 0:31:26.520
<v Speaker 2>Well we need do you want to do an intro?

0:31:26.560 --> 0:31:28.040
<v Speaker 2>And then well, then I can go first.

0:31:28.400 --> 0:31:32.480
<v Speaker 1>Okay, So now that we talked about everything under the

0:31:32.520 --> 0:31:37.960
<v Speaker 1>sun from the oscars to Mandy's awesome bridle shower to

0:31:38.240 --> 0:31:42.240
<v Speaker 1>get out, it is time to boost it or break it?

0:31:42.880 --> 0:31:45.960
<v Speaker 1>Do do do Do Do do, do do do. It's

0:31:46.040 --> 0:31:49.040
<v Speaker 1>Brown Boost, Brown Break time, Mandra What will you be

0:31:49.080 --> 0:31:50.920
<v Speaker 1>doing today? Now?

0:31:52.640 --> 0:31:55.760
<v Speaker 2>It's sticking. It always does, it always does. I think

0:31:55.880 --> 0:31:57.360
<v Speaker 2>I had a really bad day to day, so I'm

0:31:57.360 --> 0:31:59.080
<v Speaker 2>going to try and be positive and I'm going to

0:31:59.200 --> 0:32:02.880
<v Speaker 2>boost one of my favorite So I've boosted some of

0:32:02.880 --> 0:32:04.960
<v Speaker 2>my favorite tools before. I think I talked about the

0:32:05.040 --> 0:32:08.120
<v Speaker 2>Level Money app. I forget what I boosted before, but

0:32:08.200 --> 0:32:13.400
<v Speaker 2>I'm gonna boost Google Drive today. I know, people, you

0:32:13.440 --> 0:32:15.320
<v Speaker 2>may think you know what Google Drive is all about.

0:32:15.320 --> 0:32:17.480
<v Speaker 2>But Google Drive is literally the only thing that keeps

0:32:17.480 --> 0:32:21.160
<v Speaker 2>me sane, and it's the only thing that I use.

0:32:21.320 --> 0:32:24.720
<v Speaker 2>And I have trained everyone at Magnified Money on Google Drive,

0:32:25.360 --> 0:32:28.080
<v Speaker 2>you know, sometimes kicking and screaming. But if you don't

0:32:28.160 --> 0:32:31.520
<v Speaker 2>use Google Drive, and you like, you use different documents

0:32:31.560 --> 0:32:34.200
<v Speaker 2>and you're constantly switching from like well, especially if you're

0:32:34.320 --> 0:32:37.360
<v Speaker 2>editing or you're changing a document, or you're collaborating on

0:32:37.440 --> 0:32:41.240
<v Speaker 2>projects together and your workplace, Google Drive is where it's at.

0:32:41.280 --> 0:32:43.680
<v Speaker 2>It is like the one thing Google, not the one thing.

0:32:43.720 --> 0:32:46.280
<v Speaker 2>But you know, Googles came out with some duds, right yeah,

0:32:46.600 --> 0:32:51.000
<v Speaker 2>buzz Google. I forget what the other things were, the

0:32:51.920 --> 0:32:55.600
<v Speaker 2>bad chat thing like the Google Hangouts or like Google Plus,

0:32:55.640 --> 0:32:57.560
<v Speaker 2>like all that crap. They should have just stopped the

0:32:57.640 --> 0:33:01.000
<v Speaker 2>drive because it's perfect and it's amazing, and it's everything

0:33:01.040 --> 0:33:04.440
<v Speaker 2>in the cloud, and it's where I keep you know,

0:33:04.960 --> 0:33:08.000
<v Speaker 2>maybe I won't say it's where I keep all my passwords. Yeah,

0:33:09.080 --> 0:33:12.360
<v Speaker 2>it's probably about idea. Anyway, Google drives awesome, and it

0:33:12.400 --> 0:33:15.800
<v Speaker 2>replaced it's free if you have Gmail, and it replaces

0:33:15.800 --> 0:33:19.440
<v Speaker 2>for me, it replaces word. It replaces Excel, it replaces

0:33:19.480 --> 0:33:22.200
<v Speaker 2>power Point, It replaces all that crap that you pay

0:33:22.280 --> 0:33:25.800
<v Speaker 2>for like in Microsoft Suite, which is why I've always

0:33:25.840 --> 0:33:27.360
<v Speaker 2>loved it. I never had to pay for any of

0:33:27.400 --> 0:33:29.640
<v Speaker 2>that stuff anymore. And it's in the cloud, so everything

0:33:29.680 --> 0:33:32.640
<v Speaker 2>that I do, my collaborators can see and it's easy

0:33:32.680 --> 0:33:36.760
<v Speaker 2>to share. And this is not a paid endorsement. I promise.

0:33:38.360 --> 0:33:43.680
<v Speaker 1>I will do something similar. I'm going to boost and

0:33:44.000 --> 0:33:46.920
<v Speaker 1>I am going to boost Slack. I don't know if

0:33:46.960 --> 0:33:48.080
<v Speaker 1>you've ever heard of slack before.

0:33:48.760 --> 0:33:51.240
<v Speaker 2>I think you've used this as a boost before.

0:33:51.600 --> 0:33:55.280
<v Speaker 1>Have Well, then okay, I'll do something else at Slack.

0:33:55.760 --> 0:33:59.000
<v Speaker 1>I am going to boost ooh, I'm going to boost

0:33:59.480 --> 0:34:03.360
<v Speaker 1>first class. So for the first time ever, just this

0:34:03.480 --> 0:34:06.000
<v Speaker 1>past week, I actually paid for my very first first

0:34:06.040 --> 0:34:09.239
<v Speaker 1>class ticket and I was debating over it over and

0:34:09.239 --> 0:34:12.560
<v Speaker 1>over and over again. I guess maybe more so boost upgrades.

0:34:12.880 --> 0:34:15.279
<v Speaker 1>And so because I was flying out of Boston and

0:34:15.280 --> 0:34:18.120
<v Speaker 1>going to Orlando, and I said, oh, I really don't

0:34:18.160 --> 0:34:22.239
<v Speaker 1>want to sit and coach it's tight. Not for this

0:34:22.360 --> 0:34:27.600
<v Speaker 1>long flight. No, not over three hours. I'm just like ugh. So,

0:34:27.840 --> 0:34:30.279
<v Speaker 1>I mean, I've thrown first class before, but usually it's

0:34:30.280 --> 0:34:31.960
<v Speaker 1>because like maybe a company has paid for it or

0:34:31.960 --> 0:34:33.799
<v Speaker 1>I got like a great boost or whatever, but I

0:34:33.920 --> 0:34:36.840
<v Speaker 1>never paid for it. And so I was looking at prices,

0:34:36.920 --> 0:34:40.560
<v Speaker 1>and the price of the ticket for Boston to Orlando

0:34:41.640 --> 0:34:46.040
<v Speaker 1>was like like three something like the high three hundreds

0:34:46.520 --> 0:34:49.320
<v Speaker 1>if I just flew like in the afternoon or whatever.

0:34:49.680 --> 0:34:52.560
<v Speaker 1>But if I flew earlier in the morning, it was

0:34:52.600 --> 0:34:56.280
<v Speaker 1>four hundred and if I wanted to fly first class.

0:34:56.280 --> 0:34:58.560
<v Speaker 1>So I was like, ooh, for an extra like thirty

0:34:58.600 --> 0:35:01.400
<v Speaker 1>dollars more in flying earlier, I can fly first class

0:35:01.400 --> 0:35:03.360
<v Speaker 1>in the morning. So that's what I chose. And that's why

0:35:03.560 --> 0:35:05.839
<v Speaker 1>I kind of reason because normally first class tickets are

0:35:05.880 --> 0:35:08.840
<v Speaker 1>like the difference is too great to make, you know,

0:35:08.880 --> 0:35:10.440
<v Speaker 1>it's just too much more money. But I was like,

0:35:10.480 --> 0:35:12.680
<v Speaker 1>thirty bucks, wake up a little earlier, I'll do it.

0:35:12.800 --> 0:35:15.120
<v Speaker 1>Oh OK. So I did, yes, And you know what

0:35:15.160 --> 0:35:16.839
<v Speaker 1>it taught me, because I mean sometimes I'm like cheap

0:35:16.880 --> 0:35:20.399
<v Speaker 1>to a default, because my default reaction when it's time

0:35:20.400 --> 0:35:23.640
<v Speaker 1>to spend money on like things like that, it's like no, no.

0:35:24.320 --> 0:35:27.160
<v Speaker 1>And so I was like, well, look at the number, Tiffany,

0:35:27.440 --> 0:35:30.520
<v Speaker 1>thirty dollars, it's worth it totally. And even flying home,

0:35:31.680 --> 0:35:33.960
<v Speaker 1>they were only middle seats available, and I said, what

0:35:34.400 --> 0:35:38.000
<v Speaker 1>I won't do is middle c I can't. And so

0:35:38.239 --> 0:35:41.000
<v Speaker 1>it was like you could play for priority seating, which

0:35:41.040 --> 0:35:42.839
<v Speaker 1>was like a little bit more seating for twenty two

0:35:42.880 --> 0:35:44.759
<v Speaker 1>dollars the upgrade, and I paid it.

0:35:44.960 --> 0:35:47.319
<v Speaker 2>Oh goodness, they're calling me.

0:35:47.360 --> 0:35:49.040
<v Speaker 1>Hold on, they're calling you, like, can we stop telling

0:35:49.080 --> 0:35:52.560
<v Speaker 1>me secrets? And so I paid for the twenty two dollars.

0:35:52.640 --> 0:35:54.960
<v Speaker 1>And so I told myself, you know who taught me

0:35:55.000 --> 0:35:57.560
<v Speaker 1>that patreats patreats Washington. We all, me and Manny both

0:35:57.560 --> 0:36:04.320
<v Speaker 1>love her. We've had her on the show, Miss Money, Uh, Maven? Right, yes,

0:36:04.920 --> 0:36:08.600
<v Speaker 1>And so Patrese told me once I believe so Miss

0:36:08.680 --> 0:36:12.120
<v Speaker 1>Money Maven she told me once she said, you know

0:36:12.280 --> 0:36:14.840
<v Speaker 1>that she likes to obviously fly first class? Who doesn't

0:36:14.880 --> 0:36:18.640
<v Speaker 1>if you can? And she said, sometimes if a client

0:36:18.800 --> 0:36:21.839
<v Speaker 1>flies her out, you know typically they they pay for

0:36:21.880 --> 0:36:25.520
<v Speaker 1>your flight, that she will pay the additional difference, like

0:36:25.560 --> 0:36:27.239
<v Speaker 1>which is maybe like one hundred bucks fifty to one

0:36:27.320 --> 0:36:30.240
<v Speaker 1>hundred bucks for first class, because it's not the whole ticket.

0:36:30.520 --> 0:36:33.000
<v Speaker 1>That for her, it's like, look, I'm paying fifty bucks

0:36:33.160 --> 0:36:35.840
<v Speaker 1>so I can fly super comfortably. And I thought, you

0:36:36.040 --> 0:36:38.279
<v Speaker 1>know what, so that kind of like opened my mind

0:36:38.360 --> 0:36:40.920
<v Speaker 1>up to like Tiffany, you know, isn't like twenty or

0:36:40.960 --> 0:36:43.680
<v Speaker 1>fifty bucks worth it if you can afford it. Plus

0:36:43.719 --> 0:36:45.479
<v Speaker 1>you can write it off because this is a business trip.

0:36:45.719 --> 0:36:47.839
<v Speaker 1>And so just opening my mind up to upgrade. So

0:36:47.840 --> 0:36:50.080
<v Speaker 1>that's my brown boost is that, like you know that

0:36:50.200 --> 0:36:53.879
<v Speaker 1>if you can afford it. And I'm you know, I save,

0:36:54.080 --> 0:36:56.120
<v Speaker 1>I pay our bills on time, I have retirement, I

0:36:56.160 --> 0:36:57.960
<v Speaker 1>do all that stuff, and sometimes I still forget to

0:36:58.000 --> 0:37:01.000
<v Speaker 1>treat myself. And so expect see me in more first

0:37:01.000 --> 0:37:02.960
<v Speaker 1>class seats as long as it makes financial sense.

0:37:03.040 --> 0:37:04.799
<v Speaker 2>I will see you in wave as I walk on

0:37:04.880 --> 0:37:05.439
<v Speaker 2>by the coach.

0:37:06.440 --> 0:37:07.880
<v Speaker 1>Plus it was nice being like, you know, I was

0:37:07.920 --> 0:37:09.880
<v Speaker 1>like literally like the only brown girl in there, and

0:37:09.880 --> 0:37:11.520
<v Speaker 1>this lady was in my seat and I'm not gonna lie.

0:37:11.560 --> 0:37:13.680
<v Speaker 1>She was a little bit rude because when I was

0:37:13.680 --> 0:37:15.040
<v Speaker 1>walking up, she looked at me like, I know she's

0:37:15.080 --> 0:37:16.960
<v Speaker 1>not sitting here. Meanwhile, she was in my seat and

0:37:17.000 --> 0:37:19.480
<v Speaker 1>that say excuse me my seat? She said what? So

0:37:19.520 --> 0:37:22.400
<v Speaker 1>then I was like, oh, see which And I was

0:37:22.440 --> 0:37:23.239
<v Speaker 1>trying to be nice, so I.

0:37:23.239 --> 0:37:26.200
<v Speaker 2>Said, like big mistake, huge, right, I said.

0:37:26.040 --> 0:37:31.600
<v Speaker 1>Ma'am, you're in my seat and then the stewardess looks

0:37:32.160 --> 0:37:33.759
<v Speaker 1>and she was like, you know, I showed her. I

0:37:33.800 --> 0:37:36.920
<v Speaker 1>was like, I'm I'm for a the window, and the

0:37:37.000 --> 0:37:38.719
<v Speaker 1>lady looked at her face turned red and she's like

0:37:38.719 --> 0:37:40.239
<v Speaker 1>really embarrassed. I'm like, see, we didn't have to do

0:37:40.280 --> 0:37:42.799
<v Speaker 1>this because you wanted to act like I couldn't sit there.

0:37:42.920 --> 0:37:45.279
<v Speaker 1>And then she was all, oh, I know, I'm just

0:37:45.280 --> 0:37:47.360
<v Speaker 1>so used to the window. I didn't realize. And I

0:37:47.360 --> 0:37:49.600
<v Speaker 1>was like, girl, nobody cares. I people sit in seats

0:37:49.600 --> 0:37:51.360
<v Speaker 1>all the time accidentally, but you were rude, so I

0:37:51.440 --> 0:37:54.520
<v Speaker 1>had to put you on blizz ass. Yes, brown girl

0:37:54.560 --> 0:37:57.239
<v Speaker 1>wear her locks all up in disarray, sitting next to

0:37:57.280 --> 0:37:59.560
<v Speaker 1>you in first class, get into this shoulder. Shouldn't be.

0:38:01.280 --> 0:38:05.200
<v Speaker 2>People that rude, Like I like religiously check my ticket

0:38:05.200 --> 0:38:06.960
<v Speaker 2>because I don't want to be embarrassed and like be

0:38:07.040 --> 0:38:09.400
<v Speaker 2>the person who has to move, Like yeah, but you

0:38:09.440 --> 0:38:09.719
<v Speaker 2>do that.

0:38:10.120 --> 0:38:11.839
<v Speaker 1>And the thing is, I've you know, I've done that before.

0:38:11.920 --> 0:38:13.360
<v Speaker 1>Usually I'm like, oh, excuse, need to my seat and

0:38:13.360 --> 0:38:16.160
<v Speaker 1>people are like oh okay. But she was like, what girl,

0:38:16.320 --> 0:38:18.040
<v Speaker 1>I know you're not sitting in this first class or

0:38:18.040 --> 0:38:20.400
<v Speaker 1>maybe I'm just projecting. Either way, I put her on blast,

0:38:20.440 --> 0:38:21.560
<v Speaker 1>and you know she learned a lesson.

0:38:23.480 --> 0:38:25.920
<v Speaker 2>Not today, not today.

0:38:25.640 --> 0:38:28.359
<v Speaker 1>Not when Viola's winning awards. You won't treat me like that.

0:38:29.400 --> 0:38:32.239
<v Speaker 2>Oh Viola's speech, that was a good one. We didn't

0:38:32.239 --> 0:38:33.880
<v Speaker 2>even talk about viola speech. You got to look you

0:38:33.880 --> 0:38:34.840
<v Speaker 2>gotta look up her speech.

0:38:35.120 --> 0:38:36.319
<v Speaker 1>Yeah, we're gonna say this for wins.

0:38:36.360 --> 0:38:38.920
<v Speaker 2>I think I feel like Viola. You know, okay, you'll

0:38:38.960 --> 0:38:40.160
<v Speaker 2>do it for your win, but just real quick. I

0:38:40.160 --> 0:38:43.120
<v Speaker 2>feel like Viola has always has the speeches that you

0:38:43.160 --> 0:38:44.880
<v Speaker 2>feel like you're about to go off a cliff. You're like,

0:38:44.880 --> 0:38:47.960
<v Speaker 2>where is she going with this? And like the second

0:38:48.000 --> 0:38:50.080
<v Speaker 2>line in her speech was I want to write about

0:38:50.080 --> 0:38:53.520
<v Speaker 2>the graveyard. And I was like, oh Viola, where are

0:38:53.520 --> 0:38:55.040
<v Speaker 2>you going? But then she brought it back. It was

0:38:55.080 --> 0:38:58.040
<v Speaker 2>like a history It was a history book moment. Yes, okay,

0:38:58.200 --> 0:38:59.359
<v Speaker 2>you can, you can cover that later.

0:39:12.200 --> 0:39:15.400
<v Speaker 1>All right, all questions, Yeah, what questions do we have? Well?

0:39:15.400 --> 0:39:17.160
<v Speaker 2>First of you, guys have questions, you can hit us

0:39:17.239 --> 0:39:21.040
<v Speaker 2>up at Brandambition podcast dot com just tap the ask

0:39:21.120 --> 0:39:24.399
<v Speaker 2>us anything tab, or you could email us directly at

0:39:24.440 --> 0:39:27.439
<v Speaker 2>Brand Ambition Podcasts at gmail dot com. We've been getting

0:39:27.480 --> 0:39:29.600
<v Speaker 2>a lot of great questions. So let's see how many

0:39:29.640 --> 0:39:33.080
<v Speaker 2>we can do today? Maybe one or two. So question

0:39:33.160 --> 0:39:36.400
<v Speaker 2>number one is from Miss Rhonda, and she says, I

0:39:36.440 --> 0:39:40.120
<v Speaker 2>am I don't know what this stands for, but sahm student.

0:39:41.520 --> 0:39:46.360
<v Speaker 1>I'm a am.

0:39:44.760 --> 0:39:47.120
<v Speaker 2>Passing over that I'm a part time student, part time

0:39:47.160 --> 0:39:50.400
<v Speaker 2>college student. She says, my husband's My husband makes a

0:39:50.440 --> 0:39:53.520
<v Speaker 2>decent salary, but we're eighty nine thousand dollars in the

0:39:53.560 --> 0:39:56.520
<v Speaker 2>hole due to credit cards, student loans, and medical bills.

0:39:56.840 --> 0:39:59.480
<v Speaker 2>We have four children. Our oldest is a junior in

0:39:59.520 --> 0:40:01.759
<v Speaker 2>high school. Our youngest is three years old. I have

0:40:01.840 --> 0:40:03.720
<v Speaker 2>a plan to get us out of debt, but every

0:40:03.760 --> 0:40:06.920
<v Speaker 2>time my husband sabotages us. His latest is that we

0:40:06.960 --> 0:40:09.000
<v Speaker 2>need a bigger house and we can rent out the

0:40:09.000 --> 0:40:12.280
<v Speaker 2>one we live in currently, which admittedly is too small,

0:40:12.320 --> 0:40:13.840
<v Speaker 2>as a way to help pay for us soon to

0:40:13.880 --> 0:40:17.600
<v Speaker 2>be college student. I agree, we do, However, we do

0:40:17.640 --> 0:40:19.600
<v Speaker 2>not have the down payment, and we have this debt.

0:40:19.760 --> 0:40:22.040
<v Speaker 2>He gets his yearly bonus next week and wants to

0:40:22.080 --> 0:40:24.200
<v Speaker 2>save it to buy the other house. I want to

0:40:24.280 --> 0:40:27.160
<v Speaker 2>use it to pay down debt. I've insisted on us slowly.

0:40:27.200 --> 0:40:29.719
<v Speaker 2>I've insisted on us living solely on cash, and I

0:40:29.760 --> 0:40:31.640
<v Speaker 2>plan to get a job once the kids are out

0:40:31.640 --> 0:40:34.240
<v Speaker 2>of school this summer. I want to use my earnings

0:40:34.239 --> 0:40:36.919
<v Speaker 2>for debt repayment in my retirement. He just complains about

0:40:36.920 --> 0:40:39.279
<v Speaker 2>the budget and says that debt is normal. I don't

0:40:39.280 --> 0:40:41.840
<v Speaker 2>believe that. Am I doing the wrong thing? Please help?

0:40:43.280 --> 0:40:47.879
<v Speaker 1>Yeah? Yeah, when your significant others not on the same

0:40:47.920 --> 0:40:48.919
<v Speaker 1>financial page as.

0:40:48.840 --> 0:40:51.600
<v Speaker 2>You, not just that they're not on the same page

0:40:51.640 --> 0:40:55.720
<v Speaker 2>with you, but they're determined to normalize your terrible financial

0:40:55.760 --> 0:40:59.279
<v Speaker 2>situation and dig you even deeper into debt. Yikes.

0:41:00.280 --> 0:41:03.080
<v Speaker 1>So what I try to do with Superman is I

0:41:03.160 --> 0:41:06.799
<v Speaker 1>try to find a common denominator, meaning something that we

0:41:06.880 --> 0:41:10.720
<v Speaker 1>both can like agree upon, even if it seems random.

0:41:10.880 --> 0:41:13.040
<v Speaker 1>Like what I found as a common denominator in the

0:41:13.120 --> 0:41:17.120
<v Speaker 1>very very beginning was his daughter, So like Supergirls, like

0:41:17.120 --> 0:41:18.920
<v Speaker 1>the love of his life. You know, that's his daughter.

0:41:19.239 --> 0:41:21.120
<v Speaker 1>And so in the beginning when I was trying to

0:41:21.160 --> 0:41:23.040
<v Speaker 1>like get us both on the same financial page, he

0:41:23.120 --> 0:41:25.879
<v Speaker 1>was resistant and like similar to that, like, oh it's

0:41:25.880 --> 0:41:28.480
<v Speaker 1>not a big deal. Everybody's out adista. Who cares if

0:41:28.520 --> 0:41:33.200
<v Speaker 1>my car notice the same amount as somebody's mortgage. Nobody cares.

0:41:33.360 --> 0:41:34.960
<v Speaker 1>I've got the car, won. I was like, oh my god,

0:41:35.000 --> 0:41:37.680
<v Speaker 1>I'm dying on the inside. So then after like trying

0:41:37.680 --> 0:41:40.239
<v Speaker 1>different things, I recognized, oh, he loves his daughter so much.

0:41:40.320 --> 0:41:42.560
<v Speaker 1>Let me use that as an angle, and so I

0:41:42.680 --> 0:41:45.839
<v Speaker 1>used it as are you saving for her future? And

0:41:45.960 --> 0:41:47.600
<v Speaker 1>at first he was like, no, you know, she's smart,

0:41:47.600 --> 0:41:50.239
<v Speaker 1>she'll get a scholarship. And I'm like, well, you know

0:41:50.600 --> 0:41:54.480
<v Speaker 1>this is probably true, but let's also have like a

0:41:54.520 --> 0:41:57.239
<v Speaker 1>plan in conjunction to that. So it started off with

0:41:57.360 --> 0:42:00.600
<v Speaker 1>him just going to his job and saying, hey, instead

0:42:00.640 --> 0:42:02.920
<v Speaker 1>of giving me all my money in my checking account,

0:42:03.160 --> 0:42:05.319
<v Speaker 1>divert some of that to the savings. And I said, well,

0:42:05.320 --> 0:42:09.040
<v Speaker 1>while you're there. Another common denominator was we wanted to

0:42:09.080 --> 0:42:11.920
<v Speaker 1>go on vacation. I said, while you're there, divert some

0:42:12.360 --> 0:42:15.560
<v Speaker 1>to a savings account for yourself, a joint savings account

0:42:15.560 --> 0:42:18.560
<v Speaker 1>for vacations for us and your daughter saving. So that

0:42:18.760 --> 0:42:21.279
<v Speaker 1>was like the end, and then I left it, and

0:42:21.320 --> 0:42:23.080
<v Speaker 1>then he lived his life. He did well. He still

0:42:23.120 --> 0:42:25.759
<v Speaker 1>had his car, you know, but now he's saving three

0:42:25.800 --> 0:42:28.640
<v Speaker 1>different ways and paying his bills. And then after like

0:42:28.719 --> 0:42:31.160
<v Speaker 1>six months of kind of him in that space, I

0:42:31.280 --> 0:42:33.600
<v Speaker 1>broached another stop, you see what I mean? So it

0:42:33.680 --> 0:42:36.480
<v Speaker 1>was like, you know, vacation might not seem like a

0:42:36.480 --> 0:42:39.480
<v Speaker 1>fun thing or might not seem as responsible as like,

0:42:39.520 --> 0:42:41.600
<v Speaker 1>you know, saving the payoff debt, but that might be

0:42:41.640 --> 0:42:45.320
<v Speaker 1>a common denominator, like let's do this for quote unquote vacation,

0:42:45.640 --> 0:42:48.160
<v Speaker 1>and that vacation account than when we originally started like

0:42:48.200 --> 0:42:53.279
<v Speaker 1>three years ago, has morphed into our house account, and

0:42:53.320 --> 0:42:55.520
<v Speaker 1>this is why now he's able to buy a house.

0:42:55.960 --> 0:42:58.000
<v Speaker 1>And you know, I've helped him get his credit score together,

0:42:58.320 --> 0:43:00.239
<v Speaker 1>so you know, we started off in one place. But

0:43:00.280 --> 0:43:01.799
<v Speaker 1>I knew in my mind, I'm not gonna lie that

0:43:01.920 --> 0:43:03.520
<v Speaker 1>vacation a cat was always a house account, he just

0:43:03.560 --> 0:43:04.120
<v Speaker 1>didn't know it.

0:43:06.200 --> 0:43:09.239
<v Speaker 2>For Rhonda, I feel like the common denominator has to

0:43:09.239 --> 0:43:10.680
<v Speaker 2>be the fact that he wants to buy a house,

0:43:10.719 --> 0:43:12.120
<v Speaker 2>But how is he going to get a house, like

0:43:12.120 --> 0:43:14.720
<v Speaker 2>get qualified for a mortgage. They have nearly ninety thousand

0:43:14.760 --> 0:43:16.680
<v Speaker 2>dollars in credit card and a student loan debt, Like

0:43:17.160 --> 0:43:20.120
<v Speaker 2>I feel like to get to his goal, she could say,

0:43:20.160 --> 0:43:21.799
<v Speaker 2>you know, in order for us to be in the

0:43:21.800 --> 0:43:24.799
<v Speaker 2>best position to qualify for a loan for a bigger house,

0:43:24.840 --> 0:43:26.840
<v Speaker 2>which I'm guessing is probably going to cost more money,

0:43:27.320 --> 0:43:29.040
<v Speaker 2>you know, we should be working on paying down our

0:43:29.080 --> 0:43:31.239
<v Speaker 2>debt because like, isn't that one of the biggest that's

0:43:31.320 --> 0:43:33.880
<v Speaker 2>the biggest thing that a mortgage a loan officer is

0:43:33.880 --> 0:43:34.520
<v Speaker 2>going to look at.

0:43:34.800 --> 0:43:37.319
<v Speaker 1>So maybe what she could do is have about if

0:43:37.320 --> 0:43:39.560
<v Speaker 1>you guys, go shop for a mortgage. Don't let them

0:43:39.560 --> 0:43:41.480
<v Speaker 1>pull your credit like we said last week, but go

0:43:41.600 --> 0:43:43.880
<v Speaker 1>shop for a mortgage. And sometimes it's hard for people

0:43:43.880 --> 0:43:46.120
<v Speaker 1>to listen to you when they know you. So let

0:43:46.160 --> 0:43:48.800
<v Speaker 1>the mortgage person say there's no way you have too much.

0:43:48.640 --> 0:43:51.640
<v Speaker 2>Debt that might want income, Well, then.

0:43:51.560 --> 0:43:53.600
<v Speaker 1>That's going to be perfect. Let that mortgage person be

0:43:53.719 --> 0:43:56.520
<v Speaker 1>like to burst his bubble a little, like, this is

0:43:56.560 --> 0:43:58.480
<v Speaker 1>what you're going to need to be able to qualify.

0:43:58.719 --> 0:44:00.960
<v Speaker 1>Having someone else say it's to be really powerful. I

0:44:01.000 --> 0:44:03.680
<v Speaker 1>think that helps a lot too, So that's what I

0:44:03.680 --> 0:44:05.840
<v Speaker 1>would do. I would be like, you know what, let's

0:44:05.920 --> 0:44:07.719
<v Speaker 1>you know, let's call mortgage shopping and just see what

0:44:07.719 --> 0:44:10.880
<v Speaker 1>people say about our current financials. And then let that

0:44:10.920 --> 0:44:14.040
<v Speaker 1>person say, honestly, with where you are now, you'll only

0:44:14.040 --> 0:44:16.000
<v Speaker 1>be able to afford this much house. But if you

0:44:16.080 --> 0:44:18.919
<v Speaker 1>did X y Z, pay down deb get your credit

0:44:18.960 --> 0:44:20.560
<v Speaker 1>to where it's supposed to be, you'd be able to

0:44:20.560 --> 0:44:23.360
<v Speaker 1>afford more house. So maybe let someone else, say it

0:44:23.440 --> 0:44:26.520
<v Speaker 1>a professional financial person, someone that he's gonna want to

0:44:26.520 --> 0:44:28.399
<v Speaker 1>hear from. Because it's a mortgage person. The mortgage person

0:44:28.440 --> 0:44:30.600
<v Speaker 1>will tell you flat out. So I think that's probably

0:44:30.600 --> 0:44:33.640
<v Speaker 1>the best, the best bet, that your common denominator is

0:44:33.680 --> 0:44:36.040
<v Speaker 1>your mortgage and let the mortgage person be the bearer

0:44:36.040 --> 0:44:36.720
<v Speaker 1>of bad news.

0:44:37.160 --> 0:44:39.520
<v Speaker 2>That's exactly what I did earlier this summer when we

0:44:39.520 --> 0:44:42.200
<v Speaker 2>were me and my fiance were arguing over whether or

0:44:42.200 --> 0:44:44.719
<v Speaker 2>not we should buy right now or keep renting. I

0:44:44.719 --> 0:44:47.520
<v Speaker 2>remember I was like, okay, it was it was it

0:44:47.560 --> 0:44:50.880
<v Speaker 2>was taking up our it was like really a problem.

0:44:50.920 --> 0:44:52.719
<v Speaker 2>We were constantly arguing about it, and I was like,

0:44:53.239 --> 0:44:55.399
<v Speaker 2>let's hire. I was like, okay, I'm going to hire

0:44:55.400 --> 0:44:57.200
<v Speaker 2>a financial planner and we're going to have a conversation

0:44:57.239 --> 0:44:58.480
<v Speaker 2>with her. We're going to show her all of our

0:44:58.560 --> 0:45:02.200
<v Speaker 2>numbers and have let's get her opinion. And we did

0:45:02.280 --> 0:45:06.160
<v Speaker 2>just that, and not to brag, but she gave us

0:45:06.160 --> 0:45:08.880
<v Speaker 2>three different scenarios and she was like, here's what your

0:45:08.920 --> 0:45:10.919
<v Speaker 2>money would look like if you bought a house, Here's

0:45:10.960 --> 0:45:12.759
<v Speaker 2>what it would look like if you continue to rent,

0:45:12.800 --> 0:45:14.239
<v Speaker 2>and here's what it would look like if you bought

0:45:14.239 --> 0:45:17.880
<v Speaker 2>an investment property and had some rental income and the

0:45:17.920 --> 0:45:20.080
<v Speaker 2>worst scenario for our money was to buy a house.

0:45:20.600 --> 0:45:22.320
<v Speaker 2>And that was sort of like, yeah, that was like

0:45:22.360 --> 0:45:24.200
<v Speaker 2>a wake up call for him, and it wasn't like

0:45:24.280 --> 0:45:27.000
<v Speaker 2>me and my nagginess like you know, telling and we

0:45:27.040 --> 0:45:28.600
<v Speaker 2>can't afford it. We can't afford it or it's not

0:45:28.640 --> 0:45:32.040
<v Speaker 2>good for us, you know. And that at least saved me,

0:45:32.480 --> 0:45:34.480
<v Speaker 2>It bought me some time. I'm not gonna lie and

0:45:34.520 --> 0:45:37.480
<v Speaker 2>say that it's like completely stop being a point of

0:45:37.520 --> 0:45:40.960
<v Speaker 2>contention his desire to buy a house and my desire

0:45:41.000 --> 0:45:44.759
<v Speaker 2>to not. But it definitely helped having a professional And

0:45:45.080 --> 0:45:47.880
<v Speaker 2>now it's sort of like you can blame someone else, yes,

0:45:48.200 --> 0:45:52.120
<v Speaker 2>and you can. You can preserve your own, you know, relationship,

0:45:52.120 --> 0:45:53.520
<v Speaker 2>but then have someone else be the bad guy.

0:45:53.840 --> 0:45:56.799
<v Speaker 1>Yep, agreed, Yep. Okay.

0:45:56.840 --> 0:46:00.319
<v Speaker 2>So next question comes from Christa. She says, question for you.

0:46:01.080 --> 0:46:04.040
<v Speaker 2>I've been considering transferring my money from Wells Fargo to

0:46:04.080 --> 0:46:08.000
<v Speaker 2>another bank. I wonder why going to check out the

0:46:08.000 --> 0:46:10.440
<v Speaker 2>resources of Magnify Money to choose the best one for me?

0:46:10.719 --> 0:46:14.680
<v Speaker 2>Good job, christ Yeah, My concern is that I've been

0:46:14.719 --> 0:46:17.920
<v Speaker 2>with Wells Fargo for eighteen years. I'm under the assumption

0:46:18.040 --> 0:46:21.200
<v Speaker 2>that staying with one bank over time would have benefits financially.

0:46:21.640 --> 0:46:24.399
<v Speaker 2>Are there any consequences for switching and does it really

0:46:24.440 --> 0:46:26.440
<v Speaker 2>matter how long you've been with one bank?

0:46:26.840 --> 0:46:31.399
<v Speaker 1>Thanks Krista, No, not in this modern age. I think

0:46:31.400 --> 0:46:33.680
<v Speaker 1>what she's thinking of, right, because like I'll say this,

0:46:33.760 --> 0:46:36.640
<v Speaker 1>if you're with a credit union, like the only time

0:46:36.680 --> 0:46:39.759
<v Speaker 1>that to me it makes like a big It makes

0:46:40.360 --> 0:46:44.240
<v Speaker 1>a difference is certain banks, like for example, a credit union,

0:46:44.560 --> 0:46:46.239
<v Speaker 1>they might say you have to bank with us for

0:46:46.320 --> 0:46:48.440
<v Speaker 1>like six months, three months, a year before you can

0:46:48.480 --> 0:46:51.239
<v Speaker 1>get along that kind of thing. But typically it's under

0:46:51.280 --> 0:46:55.000
<v Speaker 1>a year. So anything past that you're fine. Or sometimes

0:46:55.080 --> 0:46:57.239
<v Speaker 1>being with the bank is because you've built relationships with

0:46:57.280 --> 0:46:59.320
<v Speaker 1>the people at that bank, meaning like you in the

0:46:59.320 --> 0:47:03.200
<v Speaker 1>bank branch man are super cute, super closed, and like

0:47:03.239 --> 0:47:05.200
<v Speaker 1>when you're like looking for a loan, they look at

0:47:05.200 --> 0:47:06.879
<v Speaker 1>you more as a person than a number because you're

0:47:07.040 --> 0:47:09.799
<v Speaker 1>you've been really cool with that bank. But no, like

0:47:09.880 --> 0:47:11.919
<v Speaker 1>those days are done. People don't really are not don't

0:47:11.920 --> 0:47:13.480
<v Speaker 1>really get to know the people at the bank like that.

0:47:13.600 --> 0:47:16.200
<v Speaker 1>And yeah, so if you want to go, girl, go

0:47:16.800 --> 0:47:17.280
<v Speaker 1>and it's.

0:47:17.160 --> 0:47:19.799
<v Speaker 2>Never I mean it's people. It's crazy how long people

0:47:19.800 --> 0:47:21.400
<v Speaker 2>will stick with their bank even if their bank is

0:47:21.440 --> 0:47:24.080
<v Speaker 2>treated them badly. I mean, look at Wells Fargo. Wells

0:47:24.120 --> 0:47:30.080
<v Speaker 2>Fargo just got taken down in this history making legal

0:47:30.080 --> 0:47:32.680
<v Speaker 2>action taken by the CFPV earlier this year because it

0:47:32.719 --> 0:47:36.080
<v Speaker 2>was they found out that thousands of their salespeople were

0:47:36.760 --> 0:47:39.319
<v Speaker 2>sneaking behind their customers back and signed them up for

0:47:39.360 --> 0:47:42.680
<v Speaker 2>credit card products and savings products and loan products that

0:47:42.680 --> 0:47:46.200
<v Speaker 2>they didn't really need just to get the commission. Yeah,

0:47:46.239 --> 0:47:48.600
<v Speaker 2>and they're they're facing like a multi billion dollar fine

0:47:48.640 --> 0:47:50.040
<v Speaker 2>for that, and they had to do just they just

0:47:50.040 --> 0:47:53.719
<v Speaker 2>like let go half their executive team because of that, soul.

0:47:53.800 --> 0:47:55.960
<v Speaker 2>I don't blame you for wanting to leave Wells Fargo,

0:47:56.080 --> 0:47:58.759
<v Speaker 2>And honestly, there's so many banks out there that don't.

0:47:58.800 --> 0:48:01.600
<v Speaker 2>I mean, Wells Fargo has high fees, They require a

0:48:01.640 --> 0:48:05.399
<v Speaker 2>minimum balance for some of their checking accounts. I mean,

0:48:06.360 --> 0:48:08.200
<v Speaker 2>like a lot of big banks, they have so much

0:48:08.239 --> 0:48:11.560
<v Speaker 2>high overhead costs that they pass those costs in now

0:48:11.719 --> 0:48:13.719
<v Speaker 2>to you to you in the form of fees. So

0:48:13.760 --> 0:48:15.680
<v Speaker 2>if you can find a better deal, I feel like

0:48:15.719 --> 0:48:18.640
<v Speaker 2>you shouldn't have. You shouldn't feel loyalty to a big bank.

0:48:19.000 --> 0:48:20.840
<v Speaker 2>I agree, Like, if it's your court, if you're like

0:48:20.840 --> 0:48:25.520
<v Speaker 2>your community bank or your credit maybe, although like contrary

0:48:25.520 --> 0:48:27.360
<v Speaker 2>to what people think, We've taken a look at credit

0:48:27.360 --> 0:48:29.759
<v Speaker 2>card credit union fees and they're not always that much

0:48:29.800 --> 0:48:32.880
<v Speaker 2>better than big banks. Even so, at the end of

0:48:32.880 --> 0:48:34.759
<v Speaker 2>the day, you just don't have don't feel a sense

0:48:34.800 --> 0:48:35.920
<v Speaker 2>of loyalty.

0:48:36.040 --> 0:48:39.360
<v Speaker 1>Towards anybody but your money anybody.

0:48:39.880 --> 0:48:41.799
<v Speaker 2>And if you you know, it's it's not that hard

0:48:41.800 --> 0:48:45.759
<v Speaker 2>to ditch your bank. In fact, our reporter, who had

0:48:45.800 --> 0:48:48.880
<v Speaker 2>a Wells Fargo account wrote wrote a step by step

0:48:48.960 --> 0:48:52.960
<v Speaker 2>guide to ditching her Wells Fargo account and signing up

0:48:53.000 --> 0:48:56.879
<v Speaker 2>for accounts at Capital one, three sixty and Ally, which

0:48:56.920 --> 0:49:01.600
<v Speaker 2>are online like digital banks that have lower fees and

0:49:02.840 --> 0:49:06.160
<v Speaker 2>a higher return on her savings rate. So I'm gonna

0:49:06.520 --> 0:49:08.480
<v Speaker 2>I'll take a note and I'll send that to Christa

0:49:08.560 --> 0:49:10.759
<v Speaker 2>and then I'll post it for everyone on the website too,

0:49:10.840 --> 0:49:12.319
<v Speaker 2>because that's that's helpful.

0:49:12.640 --> 0:49:14.840
<v Speaker 1>And that's what I love about Magnified Money's website is

0:49:14.840 --> 0:49:19.080
<v Speaker 1>because like before then you would have to like wade

0:49:19.080 --> 0:49:21.160
<v Speaker 1>through like way and know each bank and go to

0:49:21.200 --> 0:49:23.560
<v Speaker 1>their site. No, now you can just put in like

0:49:23.640 --> 0:49:26.799
<v Speaker 1>kind of like your what you're kind of looking for,

0:49:26.920 --> 0:49:29.000
<v Speaker 1>and you could see all in one place, what each

0:49:29.040 --> 0:49:30.600
<v Speaker 1>of these banks is offering. I remember when I was

0:49:30.600 --> 0:49:33.320
<v Speaker 1>looking to open up business account for my second business,

0:49:33.760 --> 0:49:36.359
<v Speaker 1>you know, Magnified money was clutch because I was able

0:49:36.360 --> 0:49:38.319
<v Speaker 1>to put in like on my zip code and like

0:49:38.360 --> 0:49:40.120
<v Speaker 1>I didn't want to pay fees and see all in

0:49:40.160 --> 0:49:42.200
<v Speaker 1>one place. They were like banks I didn't even hear from,

0:49:42.200 --> 0:49:45.920
<v Speaker 1>like what's investors bank? Oh, and you know, and so

0:49:46.040 --> 0:49:48.360
<v Speaker 1>it just was really helpful. So you're in the right place,

0:49:48.400 --> 0:49:50.919
<v Speaker 1>and definitely choose what's best for you, not what's best

0:49:50.960 --> 0:49:51.399
<v Speaker 1>for the bank.

0:49:51.960 --> 0:49:55.560
<v Speaker 2>Definitely. All right, guys, So if you have questions, go

0:49:55.600 --> 0:49:58.080
<v Speaker 2>ahead and email us like we said, Brand Ambisson Podcast

0:49:58.120 --> 0:50:00.040
<v Speaker 2>at gmail dot com or hit us up on on

0:50:00.120 --> 0:50:04.000
<v Speaker 2>the website at Brianambition podcast dot com. Ask us anything

0:50:04.160 --> 0:50:05.120
<v Speaker 2>is the link to click.

0:50:15.600 --> 0:50:19.040
<v Speaker 1>So I was gonna do, like, you know, my wind

0:50:19.480 --> 0:50:21.680
<v Speaker 1>to be miss Viola, even though I didn't even see

0:50:21.680 --> 0:50:23.040
<v Speaker 1>he speech, but I heard it was epic because she's

0:50:23.040 --> 0:50:26.000
<v Speaker 1>like amazing. I know, I'm the worst, that is the lazy,

0:50:26.360 --> 0:50:30.400
<v Speaker 1>So I know, honestly, it has been a week, honey,

0:50:30.680 --> 0:50:31.240
<v Speaker 1>a week.

0:50:31.360 --> 0:50:31.840
<v Speaker 2>Okay.

0:50:31.880 --> 0:50:34.480
<v Speaker 1>So I tried on some jeans that used to be

0:50:34.560 --> 0:50:37.879
<v Speaker 1>my loose jeans and now I could barely zip them up.

0:50:38.320 --> 0:50:41.040
<v Speaker 1>You know when jeans are so tight that you put

0:50:41.040 --> 0:50:43.680
<v Speaker 1>the button on and the zipper zips down by itself,

0:50:43.719 --> 0:50:46.759
<v Speaker 1>and you're like, what is appunning? And I said, what

0:50:46.960 --> 0:50:50.719
<v Speaker 1>is happening? And I have put on I don't even

0:50:50.719 --> 0:50:52.279
<v Speaker 1>want to step on the scale, but I will later.

0:50:52.920 --> 0:50:54.840
<v Speaker 1>I can't even imagine when I put on. I need it.

0:50:55.160 --> 0:50:57.080
<v Speaker 1>I need an intervention. Okay, So this is what I'm

0:50:57.120 --> 0:51:00.200
<v Speaker 1>asking my brown ambition folks, because you got I have

0:51:00.239 --> 0:51:03.000
<v Speaker 1>not see me wrong. You have gotten my skin popping

0:51:03.040 --> 0:51:05.440
<v Speaker 1>with that, I always say the name wrong. The oil

0:51:05.440 --> 0:51:08.759
<v Speaker 1>would talk to the a Argan oil. Yes, you have

0:51:08.880 --> 0:51:11.080
<v Speaker 1>helped me with my hair. You guys have helped me

0:51:11.120 --> 0:51:14.080
<v Speaker 1>with so many things. And now I am asking for

0:51:14.520 --> 0:51:16.239
<v Speaker 1>help because.

0:51:16.200 --> 0:51:18.240
<v Speaker 2>I what happened to your trainer?

0:51:19.160 --> 0:51:22.120
<v Speaker 1>Yeah? I just couldn't keep up because the thing about her,

0:51:22.400 --> 0:51:27.200
<v Speaker 1>she's great, Keana shout out to Q. The thing is like,

0:51:27.840 --> 0:51:30.160
<v Speaker 1>because like I would see her every Tuesday and Thursday,

0:51:30.360 --> 0:51:32.480
<v Speaker 1>and as long as I can maintain that, I would go.

0:51:33.200 --> 0:51:35.600
<v Speaker 1>But then you know, I'd fly here, go here, go there,

0:51:35.640 --> 0:51:37.600
<v Speaker 1>and then for three weeks I'd be out of commission,

0:51:37.840 --> 0:51:40.319
<v Speaker 1>and then getting back started again was very difficult because

0:51:40.400 --> 0:51:44.120
<v Speaker 1>it was like starting a new regimen every you know,

0:51:44.239 --> 0:51:46.080
<v Speaker 1>every time I would leave or go somewhere. So I

0:51:46.400 --> 0:51:49.080
<v Speaker 1>have to figure out something because honestly, like my whole life,

0:51:49.080 --> 0:51:51.960
<v Speaker 1>I've been pretty slim and I'm you know, I'm definitely

0:51:52.000 --> 0:51:56.279
<v Speaker 1>not fat, and I have to be honestly thing I

0:51:56.280 --> 0:51:58.040
<v Speaker 1>could honestly say, like, I'm one of those people that

0:51:58.120 --> 0:52:00.680
<v Speaker 1>I look in the mirror and although it's not perfect,

0:52:00.880 --> 0:52:02.400
<v Speaker 1>I've always liked my body. I'm like, you know, I

0:52:02.440 --> 0:52:04.759
<v Speaker 1>got that nice little shape, little booty, little thigh action.

0:52:04.840 --> 0:52:07.000
<v Speaker 1>I like that, you know, and you know, Superman definitely

0:52:07.000 --> 0:52:09.239
<v Speaker 1>is not gonna play and he's like yeah. I'm like,

0:52:09.640 --> 0:52:11.640
<v Speaker 1>but I really don't want to buy new clothes. And

0:52:11.960 --> 0:52:14.560
<v Speaker 1>it's getting to the point where I'm like, yo, because

0:52:14.600 --> 0:52:16.560
<v Speaker 1>I don't buy clothes tight anyway. That's just like like

0:52:16.600 --> 0:52:18.719
<v Speaker 1>I don't really like to wear my clothes tight. But

0:52:19.000 --> 0:52:21.480
<v Speaker 1>when my like non tight clothes are starting to fit,

0:52:21.520 --> 0:52:23.960
<v Speaker 1>like club clothes, I'm like, yeah, this is a church dress,

0:52:24.000 --> 0:52:25.560
<v Speaker 1>so why do I look like I'm going to the

0:52:26.400 --> 0:52:28.440
<v Speaker 1>going to the club. So I don't know if you

0:52:28.480 --> 0:52:31.320
<v Speaker 1>guys have any suggestions for I know it starts with

0:52:31.440 --> 0:52:34.880
<v Speaker 1>diet if there's like some sort of program and not

0:52:35.200 --> 0:52:38.319
<v Speaker 1>diet as in being on a diet, but meaning like

0:52:38.680 --> 0:52:41.520
<v Speaker 1>some sort of like here's some healthy meals day one,

0:52:41.560 --> 0:52:43.399
<v Speaker 1>day two, day three, so I can just integrate them

0:52:43.400 --> 0:52:46.320
<v Speaker 1>into my life, and then also some sort of exercise

0:52:46.440 --> 0:52:49.640
<v Speaker 1>routine something that I can integrate into my life. The

0:52:49.640 --> 0:52:51.759
<v Speaker 1>fact that my life does you know, I'm not in

0:52:51.800 --> 0:52:55.160
<v Speaker 1>one place for too long something like that, because I'm

0:52:55.239 --> 0:52:58.000
<v Speaker 1>just not really appreciating my clothes don't fit that if

0:52:58.040 --> 0:53:00.839
<v Speaker 1>my win. I'm just asking what are some all alternatives too,

0:53:01.280 --> 0:53:04.040
<v Speaker 1>because probably sweets are my biggest thing. Alternatives to sweets

0:53:04.080 --> 0:53:07.399
<v Speaker 1>meaning like I'm a cookie cake candy like chocolate girl.

0:53:07.640 --> 0:53:09.400
<v Speaker 1>What are some things where I can get that, like

0:53:09.440 --> 0:53:13.440
<v Speaker 1>I can fulfill that need without having to like you know,

0:53:13.680 --> 0:53:16.160
<v Speaker 1>take in all of those calories. Like for example, one

0:53:16.160 --> 0:53:18.319
<v Speaker 1>thing I do because I used to have like a

0:53:18.360 --> 0:53:22.880
<v Speaker 1>soda addiction, like to like ginger rale. So instead of soda,

0:53:23.000 --> 0:53:25.880
<v Speaker 1>what I'll do now is I will I have like

0:53:25.920 --> 0:53:28.239
<v Speaker 1>you know, salttera water, and sometimes I'll have like one

0:53:28.280 --> 0:53:30.320
<v Speaker 1>hundred percent juice, like and I won't put much juice,

0:53:30.400 --> 0:53:33.000
<v Speaker 1>but it'll just give it just enough, like in my

0:53:33.080 --> 0:53:35.879
<v Speaker 1>celter to be like, Okay, this is fizzy, it has

0:53:35.920 --> 0:53:39.920
<v Speaker 1>some flavor. You don't need soda, you know, so stuff

0:53:39.960 --> 0:53:42.360
<v Speaker 1>like that. So if you guys have some suggestions, just

0:53:42.360 --> 0:53:45.480
<v Speaker 1>just tweet me at the Budgetista or instagram me at

0:53:45.480 --> 0:53:49.640
<v Speaker 1>the Budgetista, and I'd love your suggestions for sweet substitutes

0:53:49.840 --> 0:53:51.200
<v Speaker 1>that the things I can make at home, because like

0:53:51.239 --> 0:53:53.239
<v Speaker 1>I said, I like cooking, but I'm just like, what

0:53:53.360 --> 0:53:55.680
<v Speaker 1>is happening? Like I want to I'm thirty seven, and

0:53:55.719 --> 0:53:57.920
<v Speaker 1>I want to go into like, you know, my forties

0:53:57.960 --> 0:54:01.239
<v Speaker 1>snatched and not looking like what happened. I used to

0:54:01.280 --> 0:54:02.680
<v Speaker 1>be so right in sight.