Speaker 1: So I went to Disney World for the first time.
Speaker 1: I know, it's random. Hey guys, brown ambition and blah
Speaker 1: blah blah. I'm Tiffany, that's Mandy. But let's get to
Speaker 1: the important stuff. Disney World. And I saw pictures your
Speaker 1: mom is super cute from your bridal shower.
Speaker 2: Wow, I can't keep up.
Speaker 1: Well, I am, I just woke up from a napstarm loopy.
Speaker 1: I'm like, oh, so many things. Okay, I'm five.
Speaker 2: Disney World. Okay, for the first time ever, you went
Speaker 2: to Disney World.
Speaker 1: Yeah, I didn't go as a kid. My dad and
Speaker 1: mom were like, yeah, there's five of you, So that's
Speaker 1: not happening, man.
Speaker 2: What so just for the hell of it, or were
Speaker 2: you down there for work already?
Speaker 1: Well? Yeah, So the team and I we were relaunching
Speaker 1: and reopening the Literature Academy, and so there's some things
Speaker 1: that we just wanted to do in person, and we
Speaker 1: always promised ourselves the next time, like the core team,
Speaker 1: the next time we reopened the Academy and launched it again,
Speaker 1: that we would do it someplace warm, because I think
Speaker 1: the first time was like in Jersey and like in
Speaker 1: the winter. So we all flew down to Orlando and
Speaker 1: the last day we were kind of out there. Our
Speaker 1: director he does like all our videos and stuff. He
Speaker 1: was like, I'm going to Disney World. Om are you
Speaker 1: guys wanna come? And I was like, the happiest place
Speaker 1: in the world on Earth. Yeah, and it was indeed
Speaker 1: the happiest place on that I had such a fun time.
Speaker 2: What's the going rate for Disney World right now? I
Speaker 2: have no idea.
Speaker 1: I think it was like one hundred and ten or
Speaker 1: twenty nine, but we had the hookup hollow if you
Speaker 1: haar me. I'm not certain how much we should I
Speaker 1: should talk about it. I'm going to talk about it.
Speaker 1: So we met somebody who worked at Disney and let's
Speaker 1: just say we didn't have to pay full price.
Speaker 2: So you got a friends and family discount.
Speaker 1: Yeah, is what we'll call it. A cash only friends
Speaker 1: and family just got me.
Speaker 2: With anyone who sweat their life out waiting in line
Speaker 2: a Disney World as a child. Me is a little
Speaker 2: bitter about that, but that's okay.
Speaker 1: But we just had such a good time. Yeah, what
Speaker 1: it was. I mean, I could see how a parent
Speaker 1: bringing a kid would be very overwhelming because it's just
Speaker 1: a lot you know, but like as like three adults
Speaker 1: who can like be like, yeah, we don't want to
Speaker 1: do that, we want to do this. It was just
Speaker 1: really a lot of fun.
Speaker 2: I feel like that is the way to do is
Speaker 2: to Disney World. Like my parents took us, all three
Speaker 2: of us. There's four of us, but they took the
Speaker 2: three of us a few times. I guess when they
Speaker 2: had four they were like hell no, but they took
Speaker 2: three of us. And I was like under the age
Speaker 2: of five, and I look at photos and every photo
Speaker 2: I'm like, I look sad, I'm crying, I'm like pitching
Speaker 2: a fit, and I'm like, man, maybe they should have
Speaker 2: waited until I was old enough to appreciate the experience
Speaker 2: and not just whining because you know, I had to
Speaker 2: walk around Disney year old. But the like the good parts,
Speaker 2: like the one of the best things that I have
Speaker 2: from that time. It's like all the little videos, home videos,
Speaker 2: old school videos of my family at Disney World. They
Speaker 2: were it wasn't all like dramatic mandy moments, but yeah,
Speaker 2: did you know that you could. One of the things
Speaker 2: I did recently was I found all my dad's and
Speaker 2: my mom's old VHS tapes and I it wasn't cheap,
Speaker 2: but I went and got them like converted into digital
Speaker 2: files and DVDs because they were like falling apart. I mean,
Speaker 2: the tape was coming out and I wanted a way
Speaker 2: to preserve those memories, and I went to Walgreens. I
Speaker 2: wonder if anyone out there has been to a better
Speaker 2: like has an idea of a better service. But we
Speaker 2: just picked Walgreens randomly and it took a couple of weeks.
Speaker 2: But now it's really cool because now we have them
Speaker 2: like online.
Speaker 1: That's awesome.
Speaker 2: I think it was maybe twenty bucks per DVD. I
Speaker 2: want to say I spent a couple hundred bucks on it,
Speaker 2: but that was for maybe yeah, I think.
Speaker 1: Yeah, because it's like these are things you're never going
Speaker 1: to be able to see again. We weren't really like
Speaker 1: a videoing family. I mean, we took a lot of pictures,
Speaker 1: but not really a whole lot of video or I'm
Speaker 1: trying to think maybe we did. Who knows, because you know,
Speaker 1: we all had those little video cameras. I think my
Speaker 1: dad does have. I should look because that would be
Speaker 1: great to look back and be like, oh my gosh,
Speaker 1: look at young Tiff acting like a brad.
Speaker 2: Well, that's really awesome. Well, joke's on you, because the
Speaker 2: weather here was like amazing this.
Speaker 1: Week, I know, and meanwhile it was like raining, and
Speaker 1: I was like, are you kidding me, Orlando, get it together.
Speaker 1: I know. Two days, the first two days, well those
Speaker 1: are the days we were kind of like hold up
Speaker 1: in the house. So what we did was it was
Speaker 1: just cheaper because we were all flying from different places.
Speaker 1: Like like my marketing and business partner he was like
Speaker 1: flying from like I don't even know, He's always in
Speaker 1: some part of Thailand. The director was flying from like
Speaker 1: Columbia or something like that. My coo Sierra was flying
Speaker 1: from Philly, and I was actually flying in from Boston
Speaker 1: because I was in Boston to do a speaking event.
Speaker 1: So we were literally all flying in from like all
Speaker 1: around the world. And then we just got a really
Speaker 1: dope airbnb. So it was like four bedroom, three bathroom,
Speaker 1: and we were there for I think like four days,
Speaker 1: and so the first two and a half three days
Speaker 1: were really just like ten to twelve our work days.
Speaker 1: So like a lot of folks were like, oh my god,
Speaker 1: I wish I was there. I'm like, no, you don't.
Speaker 1: It was brutal because we'd.
Speaker 2: Go to bed like an off site.
Speaker 1: Yes, because we had to, because you wanted to focus
Speaker 1: when you're home, like there's so many distractions, but here
Speaker 1: it's we literally like wake up, eat, work, go to sleep,
Speaker 1: right because we just really wanted to make sure that
Speaker 1: this was going to really be the last time we
Speaker 1: launched the Academy again, and so we really wanted to
Speaker 1: like go out with like a bang. And so we
Speaker 1: were just like, let's get core team in one place
Speaker 1: so we could just focus and there were like literally
Speaker 1: no distractions. It was like either you're working or you're
Speaker 1: sleeping or eating. That's it. And then the last day
Speaker 1: we were like, you know what, almost everything's done. We
Speaker 1: did a little work in the morning, and you know,
Speaker 1: when JP Or and you know, our director said let's
Speaker 1: go to Disney, I was like, yeah, let's say it.
Speaker 1: I bought my Mickey Mouse or Minie Mouse ears yo,
Speaker 1: me and Sierra, my CEO. We were like giddy the
Speaker 1: whole time, like, oh my god, I'm like we're here.
Speaker 2: I love that you brought your own ears because you
Speaker 2: knew they'd be like twenty five dollars.
Speaker 1: No no, no, no, no, no, I mean I bought them.
Speaker 1: I mean me and I bought them at at Disney.
Speaker 1: But no, okay, it's yeah, you know, because you know
Speaker 1: got that food, Ali, if you hear me. But we
Speaker 1: had so much fun. Honestly, we were terrible. We were like,
Speaker 1: so what is this fast pass? Elaine? Can we just
Speaker 1: go on the other side? I guess we can the
Speaker 1: difference between a one hour wait and a three minute wait. Yes,
Speaker 1: I did, and I'm not ashamed of it. I'm not
Speaker 1: mad at you, right, Disney hacks.
Speaker 2: Listen, we can't. We have to talk about the Oscars, right, Yeah,
Speaker 2: we do. Yeah, I know you probably didn't watch it.
Speaker 2: Don't worry. I watched it for you.
Speaker 1: Okay.
Speaker 2: The entire thing, except for the last twenty seconds, which
Speaker 2: turned out to be the most import were in tie
Speaker 2: seconds of the night. So I think, like a lot
Speaker 2: of people, as soon as La La Land was announced
Speaker 2: as Best Picture winner, I was like, Okay, it's eleven forty.
Speaker 2: I need to go to sleep. It's fine. I don't
Speaker 2: need to hear their speech, you know, sad move. I
Speaker 2: was sad that Moonlight didn't win, But like, at the
Speaker 2: same time, I really liked La La Land, so I
Speaker 2: didn't go to bad ang. I didn't go to bed angry,
Speaker 2: but I woke up at like six and I was
Speaker 2: scrolling through in like Twitter and Facebook, and I was
Speaker 2: so confused. I was like, what is all this moonlight
Speaker 2: and like and then I saw the video that is crazy?
Speaker 1: Yeah, do you think it was on purpose? Like a joke? No?
Speaker 2: No, no. So I have been following all the news
Speaker 2: today and they finally figured out what happened. So essentially,
Speaker 2: at this award, at the Oscars, Price Waterhouse Coopers is
Speaker 2: this huge accounting firm and they are in charge for
Speaker 2: the last eighty years of counting the ballots and creating
Speaker 2: the envelopes that announce the winners, and they keep them
Speaker 2: under lock and key. There's two people assign and they
Speaker 2: each have one briefcase, and one person is standing on
Speaker 2: either end of the stage just to be ready for
Speaker 2: whichever side the presenters come out. So if you come
Speaker 2: from the left, you get an envelope from that person.
Speaker 2: If you come from the right, then the other person
Speaker 2: hands you their envelope. And everything went fine the whole night,
Speaker 2: and then when they got to best Picture, the guy
Speaker 2: who was handing the envelope to the presenter who was
Speaker 2: who were fade unaway and Warren Batty handed them the
Speaker 2: wrong envelope, handed them his copy of the Best Actress
Speaker 2: winner who the other person? You had the car? The
Speaker 2: other his counterpart on the other side, had already handed
Speaker 2: out her Best Actress envelope to the other presenter, so
Speaker 2: he had one left because that presenter hadn't come from
Speaker 2: his side, and instead of handing the Best Picture envelope,
Speaker 2: he handed the Best Actress. But what boggles the mind
Speaker 2: is that Warren Batty, if you watch it, like if
Speaker 2: you were watching live like I was, I was like,
Speaker 2: why is he trying to make this drag out and
Speaker 2: be funny about it? Because he opened it and looked
Speaker 2: and he smart and then he showed it to Fay
Speaker 2: and he's like, you know, like it felt like he
Speaker 2: was screwing with everyone, and I was like, just say it.
Speaker 2: And then Fay is like, oh, it's La La Land.
Speaker 2: And it turns out what he had why he was
Speaker 2: so confused is because it said best Actress from La
Speaker 2: La Land. But they read it anyway, which is like
Speaker 2: if I don't know, I mean, I guess you can
Speaker 2: say what they do in their shoes. But like someone
Speaker 2: should have been like, wait a second, and let's figure
Speaker 2: out what is happening before. And then it took over
Speaker 2: two minutes like la Land, and then was up there
Speaker 2: like three people had given speeches. Three and then you
Speaker 2: see you see a guy with like a headset kind
Speaker 2: of milling, and you see some confused faces in the
Speaker 2: crowd behind the people giving speeches, and all of a sudden,
Speaker 2: the guy who's giving a speech cuts himself off and
Speaker 2: he's like, actually, guys, we lost. And then the I
Speaker 2: forget I don't know who exactly it was. One of
Speaker 2: the producers held up the correct envelope and said, Moonlight,
Speaker 2: there's been a mistake. You guys won. Yeah, and the
Speaker 2: entire holy crazy crazy, and then the Moonlight cast is
Speaker 2: like and he had to keep saying, it's not a joke,
Speaker 2: it's not a joke. You guys won, And he held
Speaker 2: up the envelope and the camera got it and you
Speaker 2: can see Moonlight best picture. And then of course everyone
Speaker 2: in the like there's a great meme of like Taraji
Speaker 2: and Octavia Taragi's face just like the whole night. They
Speaker 2: should have had a camera on her face for every moment.
Speaker 2: She is the best. Everyone just like lost their minds.
Speaker 2: That's like, gee, never happened ever. I mean there was
Speaker 2: one time I read, like in the sixties when Sammy
Speaker 2: Davis Junior messed up the the music like the Best
Speaker 2: Song Winner or something like that. But nothing never best picture.
Speaker 1: The best picture is like the Oscar.
Speaker 2: Yeah, that's the reason everyone watches for three and a
Speaker 2: half four hours. And so there's been all you know,
Speaker 2: of course, there's been like think pieces on you know,
Speaker 2: stealing the moment from Moonlight and you know they were
Speaker 2: sort of robbed of their whole win or whatever.
Speaker 1: I mean.
Speaker 2: This is a film with an all black cast about
Speaker 2: a gay teenager being bullied and his mother who's a
Speaker 2: crack addict, and he's taken in by a drug dealer
Speaker 2: in his neighborhood and it shows his his like journey
Speaker 2: through adults from childhood to adulthood, and you see three
Speaker 2: versions of his life. I mean, like, this is a
Speaker 2: type of black film that's never one best picture.
Speaker 1: Yeah.
Speaker 2: Ever, Like, it's not about slavery, it's not about some
Speaker 2: you know, sexual someone being sexually assaulted. It's not about
Speaker 2: it's not a negative you know, it's it's a it's
Speaker 2: a it's an lgbt Q story about a black boy
Speaker 2: for boy. On so many levels, it's a groundbreaking it's
Speaker 2: based on a play like I.
Speaker 1: Mean, yeah, yeah, he was the first Muslim they ever
Speaker 1: ran an oscar? Was it? Yeah?
Speaker 2: Maherschela ali One had just had won. He was like
Speaker 2: the first award of the night. He won Best Supporting
Speaker 2: Actor for playing Wan in the movie who was the
Speaker 2: drug dealer of like godfather to Sharon who's the boy
Speaker 2: or Chyne who's the boy in the film. But anyway,
Speaker 2: so like you you could you understand why people were
Speaker 2: like it was already going to be historic for them
Speaker 2: to win, but the fact that they won like in
Speaker 2: that way, some people were upset that they felt like
Speaker 2: the beauty and like the purity of that win was lost.
Speaker 2: But then I kind of, I don't know, it almost
Speaker 2: became like a The way that they handled it, the
Speaker 2: way that La La Land handled it, and the way
Speaker 2: that Barry Jenkins handled it, I thought was really beautiful
Speaker 2: because as soon as Barry got up there, he was
Speaker 2: thanking the La La Land producer. He's like that was
Speaker 2: that was so gracious. I don't know what I would
Speaker 2: have done in that position. I mean to find out
Speaker 2: that you won and then you lost, Like that's freaking
Speaker 2: embarrassing and like.
Speaker 1: Crush, Yeah, no it is because it's not their fault.
Speaker 1: It's not allow of catch fall. Yeah, so it's but
Speaker 1: you're rack like I did see some interviews like Emma
Speaker 1: Stone it's an actor, and she was just like, you know,
Speaker 1: she was like, honestly, is it disappointing? Yeah, of course,
Speaker 1: but honestly I love Moonlight and she just was gushing
Speaker 1: about it, and I thought, you know that despite all
Speaker 1: of that that and even like you said, I mean,
Speaker 1: you don't know what you did if you're up there,
Speaker 1: I know, the warm babies, like, what the entire hell
Speaker 1: is going on?
Speaker 2: He came out later He's like I just wanted to
Speaker 2: explain what happened, and he's kind of and then Jimmy Kimmel,
Speaker 2: the host, he I thought he did a you know,
Speaker 2: the best he could, trying to like like deflect or
Speaker 2: not deflect, but like calm down that he cracked us
Speaker 2: Stevie Stevie Steve Harvey joke. He was like, I blame
Speaker 2: Steve Harvey.
Speaker 1: That was good. If you ever get in trouble, just
Speaker 1: blame Steve Harper.
Speaker 2: Just blame because I mean, but I was like, that's
Speaker 2: miss America. This is the freaking Academy. Yay, all drama
Speaker 2: and all that aside, Like Moonlight is I mean, if
Speaker 2: you haven't seen it yet, watch it. It is beautiful,
Speaker 2: and then watch Moonlight too, because it's beautiful. I've said before,
Speaker 2: it's so impossible to compare the two movies. They are
Speaker 2: two different. I think to say one is better than
Speaker 2: the other. I think they're both extraordinary for what they are.
Speaker 2: But Moonlight, like, there's never like in terms of like
Speaker 2: originality the subject matter, there was not another There's never
Speaker 2: been a film like it. But you should go see it.
Speaker 1: No, that sounds awesome. I mean unless I know, have
Speaker 1: you followed this Remy Ma Nicki Minaj's beef.
Speaker 2: Was like while we're here, Oh no, I just thought, like,
Speaker 2: we hardly know who remym is?
Speaker 1: Can I admit that? No, that's fine because I don't.
Speaker 2: I think I saw her on him on Spotify?
Speaker 1: Is it him? Y? Yeah, she almost had it her. Sorry,
Speaker 1: Millennials are like, who's remy Ma? I think it's hilarious,
Speaker 1: but I'm like millennials like, oh my god, this thing
Speaker 1: is going to give remy mind like a whole career.
Speaker 1: I'm like, girl, I was here, she was here. She
Speaker 1: was before Nicki Minaj was anything. There was Remy Ma.
Speaker 1: So she was like back in the day when they
Speaker 1: used to have like rap crewise they still have somewhat,
Speaker 1: but like how Young Money which is Drake and like
Speaker 1: you know, or cash Money Drake and and and Little
Speaker 1: Wayne and all of them. So back then Terror Squad
Speaker 1: was like a crew which was Fat Joe, Remy Ma.
Speaker 1: Oh what is the other guy's name? That big pun.
Speaker 1: So they were like all Hispanic for the most part,
Speaker 1: I'm thinking, is remy Hispanic? I think so. So anyway,
Speaker 1: she was like the girl of that crew. How like
Speaker 1: Little Kim was like the girl crew with like Junior
Speaker 1: Mafia and Big you know. So anyway, so Remy Ma
Speaker 1: she got into trouble for beating up and allegedly shooting
Speaker 1: one of her friends over money, I think whatever. She
Speaker 1: went to jail for a long time, like nine years,
Speaker 1: and then she came out. So she was she went
Speaker 1: to jail really at the height of her she was
Speaker 1: just starting to really build her her career. She went
Speaker 1: to jail for doing that, came back and then landed
Speaker 1: a spot on Love and Hip Hop, where, oddly enough,
Speaker 1: she wasn't really the drama one like you know, like
Speaker 1: everybody else on those Love and Hip hop kind of shows,
Speaker 1: it's all about dramatics, but her her storyline on there
Speaker 1: is really about her and her husband, who like waited
Speaker 1: for her. They got married right before she she one
Speaker 1: away or she I think day actually got married while
Speaker 1: she was in prison, and I don't know. It's it's
Speaker 1: oddly beautiful their love story and how much he loves her.
Speaker 2: So that's oh, oh okay, I'm trying to catch up
Speaker 2: while you're talking. Wait, it's like the Mink mil Drake
Speaker 2: beef of twenty sixteen.
Speaker 1: Yeah, kind of a girl because they haven't really had
Speaker 1: female rap hip hop beef in a long time.
Speaker 2: Was she like beefing with Little Kim?
Speaker 1: No, so, Nicki Minaj was a little bit beefing, was
Speaker 1: Little Kim, Because I guess Kim felt that Nikki kind
Speaker 1: of basically stole her whole swag, which I'm not gonna
Speaker 1: say I disagree with. I mean, you know, Nicki's like
Speaker 1: when you really look at Little Kim and like even
Speaker 1: some of the ways she dresses where Nikki dressed at first,
Speaker 1: and some of her inflections and cadence and stuff like that.
Speaker 1: I'm not gonna totally disagree, so but you know, but
Speaker 1: no one has really been able to when they've kind
Speaker 1: of come at Nikki really make a DBT and then
Speaker 1: enter in remim aka Gangsta Boo and so she. I
Speaker 1: guess Remy has been putting out music and actually surprisingly
Speaker 1: because you know, you don't often get a chance to
Speaker 1: come back, her music has been doing well. She just
Speaker 1: got nominated for a Grammy. She had a song out
Speaker 1: where people were like, ooh, are you talking about Nicki,
Speaker 1: and she specifically addressed and said no, Like in an interurview,
Speaker 1: she said, I'm not talking about Nicki stopped trying to
Speaker 1: make beef between rap women. But I guess Nicki felt
Speaker 1: like she was talking about her. So Nicki went on
Speaker 1: to do I think two cameos where she clearly was
Speaker 1: dissing remiwand so Remi wand came out with a song
Speaker 1: called Sheather, which is the play on ether. I don't
Speaker 1: know if you remember the I don't know how you
Speaker 1: cannot remember the jay z Nos beef, which was put
Speaker 1: to bed by Naz's epic most epic diss record of
Speaker 1: all time, Fight Me if you want, called Ether where
Speaker 1: he kills jay Z on this record, and so she
Speaker 1: did like a play on it called Sheather with the
Speaker 1: same beat. And although I was not like super impressed
Speaker 1: with the flow and stuff, just the things that she
Speaker 1: was saying were like, well, the part that really struck
Speaker 1: me wasn't really anything else other than the financial I
Speaker 1: was like, wow, because you know, me financed. So here's
Speaker 1: the part that struck me. For those of you're like,
Speaker 1: where's all this going? The financial piece, I was like,
Speaker 1: So rebby Las says in this rap, Nikki, you have
Speaker 1: a three sixty deal, which is supposed to be like
Speaker 1: the worst deal in the in the in the record industry.
Speaker 1: And what that deal is is like a major record
Speaker 1: label gets on like a major artist. So let's just
Speaker 1: say Lil Wayne, and then Lil Wayne is under or
Speaker 1: or signed somebody like a Drake, So Lil Wayne now
Speaker 1: has its own record label under that label, and then
Speaker 1: Drake has his own record label under Little Wayne. So
Speaker 1: basically it's like major record label, major artists record label
Speaker 1: under them, then major artists under them's recular so like
Speaker 1: three record labels, and then they signed Nikki, so like,
Speaker 1: that's like, I mean, that's not exactly what happened, but
Speaker 1: I think she said first it's like Republic, then cash money,
Speaker 1: then young money or something like that. And she says
Speaker 1: in the rap that five people touch your money before
Speaker 1: you do, because it's one of the worst deals because
Speaker 1: one you're not directly signed, so you're not It's bad
Speaker 1: enough that a label gets a cut, but it's like
Speaker 1: main label gets a cut, secondary label gets a cut,
Speaker 1: third label gets a cut before you get a cut.
Speaker 1: And then on top of that, with this three sixty deal,
Speaker 1: apparently you are responsible for paying for everything, so you're
Speaker 1: you have to pay for your tour, you have to
Speaker 1: pay for your for your videos, you have to pay
Speaker 1: for everything before you get any money. So it's very difficult.
Speaker 1: Although Nikki is very successful remy Mansea, you know, you
Speaker 1: can say what you want, but I own all my publishing,
Speaker 1: I own the rights and the masters to all my music.
Speaker 1: So she was like, for every one record I sell
Speaker 1: for you to make the same amount of money, you
Speaker 1: have to sell ten. And I just thought that was
Speaker 1: really interesting, like wow, that people are still signing deals
Speaker 1: that put them in a financial space. Like that, where
Speaker 1: like you we've all like you know, seem like you know,
Speaker 1: you hear about a new edition all of these kind
Speaker 1: of like old skilled musical acts that like TLC that
Speaker 1: got one dollar for going on tour that basically the
Speaker 1: label charges them to be an artist and owns all
Speaker 1: of their rights. And I just thought, wow, NICKI has
Speaker 1: a deal like that. So that's the part that kind
Speaker 1: of interests me, Like, wow.
Speaker 2: Now see where was remy ma when Nicki needed a
Speaker 2: mentor and a woman to help her navigate these treacherous
Speaker 2: waters of like jail business. But like you know how
Speaker 2: it is, I'm trying to think of a teaching moment
Speaker 2: out of all this, and it's like, at what point
Speaker 2: do you I mean, competition among women in professional careers
Speaker 2: is always like, you know, it's hyped. You know, it's
Speaker 2: people love it, people love the cattiness and stuff like that.
Speaker 2: But at the same time, I feel like, you know,
Speaker 2: we should a lot of cases or maybe not as like,
Speaker 2: but doesn't get publicized is when women actually help women
Speaker 2: and don't use each other to get into the limelight.
Speaker 2: And yeah, it's just mean. And like NICKI was young
Speaker 2: when she signed that contract. I bet I know. I
Speaker 2: bet she knows it's a shitty deal.
Speaker 1: Yeah, I'm sure regrets it. It's also hip hop, like honestly,
Speaker 1: I know a lot of it is. Yeah, and as
Speaker 1: long as to me, it's like, you know, part of
Speaker 1: hip hop history that you know, you're who can be
Speaker 1: the most clever with their words of really like exposing
Speaker 1: the other person, but like only on words like like
Speaker 1: the jay Z NOAs honestly, like you know, jay Z
Speaker 1: went on to continued success and did as did NOAs
Speaker 1: and we have an epic like rap battle that we
Speaker 1: look back on and they're cool now. So I don't
Speaker 1: mind hip hop beef because it's part of hip hop.
Speaker 1: So I don't mind you know that. I guess I
Speaker 1: was just like, wow, it's just interesting because one of
Speaker 1: my cousins works in the music industry. He's actually like
Speaker 1: the the A and R Global an R for one
Speaker 1: of these major labels. He's really young too, but he's
Speaker 1: worked for almost all of the labels you can think
Speaker 1: of what all the labels that cater to hip hop,
Speaker 1: and he's actually signed Katy Perry. His name is Chris
Speaker 1: Annakute and he used to tell me all the time
Speaker 1: that he once came to speak at a at a
Speaker 1: boys and girls club and they were asking him he's
Speaker 1: he was one of the people that helped to break Riyana.
Speaker 1: Upon the replay, he signed the guy that wrote that
Speaker 1: song for Rihanna, And so he would say all the
Speaker 1: time that you know, oftentimes the musicians on the road
Speaker 1: are making more than the artists. So he was like, like,
Speaker 1: for example, if you're on the road and you have
Speaker 1: like say like a piano player, they are guaranteed a
Speaker 1: salary of like, okay, they're making sixty eighty thousand dollars
Speaker 1: a year. The musician is not because their money comes
Speaker 1: after everyone else is paid. And I just thought that
Speaker 1: was so fascinating back then. And he was like, you know,
Speaker 1: if you're in the music industry to grow wealth, that
Speaker 1: being in front of the camera is not the place
Speaker 1: to do it. So that was kind of like his
Speaker 1: role to kind of teach the kids of all the
Speaker 1: ways you could be part of the music industry that
Speaker 1: actually makes money without having to pick up a microphone,
Speaker 1: because these other ways make way more And I thought, wow,
Speaker 1: he was kind of listing artists that well, I won't
Speaker 1: list them, but like artists back then that he was
Speaker 1: like nope, no money, no money. Oh yeah, money, no money,
Speaker 1: no money. And I was like wow, So sometimes people look.
Speaker 2: At it, that's right if everyone lost their mind when
Speaker 2: Chance the Rapper won Grammy. Yeah, that's a self made
Speaker 2: I mean he doesn't have a label. I mean he
Speaker 2: was like he thinks SoundCloud in his speech, you know
Speaker 2: what I mean?
Speaker 1: Like yes, which is dope though, because what he's doing,
Speaker 1: single handedly, honestly is changing the industry, because the fact is,
Speaker 1: you know, the music industry is really leans upon taking
Speaker 1: advantage of art and people's. People's one their eagerness to
Speaker 1: want to get their music and their their talent out there,
Speaker 1: and two their their lack of knowledge of how things
Speaker 1: actually work, and chances like no, you will not take
Speaker 1: advantage of me. No, you will not own my voice.
Speaker 1: I remember there was a there was a case where
Speaker 1: I forget who it was. It was a singer who
Speaker 1: had finally left the record label and they owned that
Speaker 1: singer's I guess material, and he went on to do
Speaker 1: another album and they sued him for a copyright infringement
Speaker 1: and they went to course for it. They're like, yeah,
Speaker 1: your album sounds like this other album. He's like it's me,
Speaker 1: what do you mean? So basically they're like, you can't
Speaker 1: sound like yourself on your new album not that Wow,
Speaker 1: how terrible. So it's just a lesson to anyone starting
Speaker 1: a business, anyone.
Speaker 2: Especially the artists, Like there's yeah, I think more vulnerable
Speaker 2: like group of professionals than working artists who are just
Speaker 2: struggling to get by.
Speaker 1: Exactly that you have to own and keep ownership of
Speaker 1: your things because if not at least majority ownership. If not,
Speaker 1: then you put yourself in a position to you know,
Speaker 1: literally see your product grow and make money and not
Speaker 1: be able to benefit from that.
Speaker 2: Yeah, that's one of the reasons why I didn't launch
Speaker 2: the Brown Ambition, why I decided to do this on
Speaker 2: my own with us, you know, as an independent venture,
Speaker 2: because I could have launched it with Yahoo and was
Speaker 2: you know, I was with Yahoo at the time. But
Speaker 2: the idea of like, you know, you know how things
Speaker 2: work when you're attached to a huge company like that,
Speaker 2: and it's you become sort of like another another project
Speaker 2: and you have to meet metrics and you have to
Speaker 2: sort of like fight for your fight, you know, get
Speaker 2: input from outside voices and like it sort of Yeah,
Speaker 2: becomes less about you, and and I was like, I
Speaker 2: want to something that can stand on its own two
Speaker 2: feet and that if I leave, it's not like it's
Speaker 2: tied to this. It's sort of like like like diversifying.
Speaker 2: And you do the same thing with you you write
Speaker 2: your ebooks and you don't go through a publisher, and
Speaker 2: then you get what like seventy percent of the profits
Speaker 2: versus like eleven percent if you were to use.
Speaker 1: If I'm lucky, I know somebody who was like literally
Speaker 1: like like our very finance mother. She shared that like honestly,
Speaker 1: she's like, uh, like her money, like when it comes
Speaker 1: to book sales mostly comes from her independent books. That
Speaker 1: she has books that New York Times bestsellers, and she
Speaker 1: has books that have been published traditionally. But she was
Speaker 1: like those books helped to fuel the sales of the
Speaker 1: books that actually make her money. And I've had a
Speaker 1: book agent come up to me just last year, you know,
Speaker 1: after selling like so many of like because by then
Speaker 1: I had three best selling books on Amazon, and agent
Speaker 1: approached me. It was like, you know, we really like
Speaker 1: to talk to you about maybe traditional publishing. And I
Speaker 1: said okay. So we had a meeting and when we
Speaker 1: broke down the numbers and I was telling her, you know,
Speaker 1: like how much I was making in my audience size,
Speaker 1: and she kind of was like, so, I'm gonna be honest,
Speaker 1: there's no reason for you to sign with me. And
Speaker 1: I was like really, She was like yeah. She was like,
Speaker 1: I mean, we're not going to get seventy percent. She
Speaker 1: was like, you know, typically I could tell you, oh,
Speaker 1: we could expose you to a larger audience. You've already
Speaker 1: built your audience. She said. The only thing I could
Speaker 1: say is that if you sign with a larger publisher,
Speaker 1: you know, oftentimes we're able to get you on more
Speaker 1: national television more regularly. Because we pitched in a group,
Speaker 1: so you know, a larger publisher has like really great
Speaker 1: contacts at Good Morning America or Today's show and says, hey,
Speaker 1: we've got like five different authors with books. I'll pick
Speaker 1: one that you want to have on. But she was like,
Speaker 1: even that, it looks like your publicist is doing a
Speaker 1: pretty good job. So she was like, I'm not gonna lie,
Speaker 1: like that's what we're We're here for one larger audience
Speaker 1: and two media. She was like, but you have those things,
Speaker 1: so I'm not saying you shouldn't sign, but I don't
Speaker 1: know that we're going to better for you than you're
Speaker 1: doing it for yourself. So that was a really powerful
Speaker 1: affirmation and like, Okay, you can do it yourself. Is
Speaker 1: it longer, Yeah, but to me it's worth it because
Speaker 1: when that book money comes in. I know people who
Speaker 1: when they go in an event, they can't even sell
Speaker 1: their own book. It's not theirs. Like if you go
Speaker 1: to an event and you're speaking in the front of
Speaker 1: the room as a keynote speaker and you're like, ooh,
Speaker 1: let me sell some books in the back, they have
Speaker 1: to call the publisher. The publisher brings the books someone
Speaker 1: to sell it and takes the money and the books
Speaker 1: back with them, and you're like, okay, I guess i'll
Speaker 1: see my my eleven percent later on in my check
Speaker 1: this week, not me as soon as you give me cash.
Speaker 1: That is all mine, minus like one the cost of.
Speaker 2: The books byob be your own boss.
Speaker 1: Yes, lord, all right?
Speaker 2: Moving along?
Speaker 1: Yes, well real quick like. So that was really keep
Speaker 1: your mom looked so adorable. I was like, I can
Speaker 1: see how you guys look alone. I'm like, look there,
Speaker 1: you're getting a little shoulder in action.
Speaker 2: Love yeah. So on Saturday, I had my bridal shower,
Speaker 2: which was which wasn't as terrible as I thought it
Speaker 2: might be. I was really like weary of the whole
Speaker 2: bridal shower thing. I'm like, oh, I just don't sit
Speaker 2: here in open presence. It seemed lame. But like the
Speaker 2: fact that, like as I when I finally got there,
Speaker 2: I was like, oh, I get it. This is this
Speaker 2: is perfect because my so my in laws, who are
Speaker 2: Dominican live in you know, Inwood, have never met my friends,
Speaker 2: have never met my bridesmaids, and my mother obviously had
Speaker 2: never met anybody. And my friends had never met my
Speaker 2: other you know, my mother or my my future in
Speaker 2: laws and my future aunts in law, my my mother
Speaker 2: in law sisters, and like it was it was like
Speaker 2: clashing of the world in the in the best way possible.
Speaker 2: I mean, we had to translate everything from Spanish from
Speaker 2: English to Spanish, and like, while that seems like it
Speaker 2: would be a headache, it was actually really fun to
Speaker 2: like we were playing all these games and it was
Speaker 2: funny like at one point we were playing Bingo and
Speaker 2: my bridesmans didn't know this, but like my mother in
Speaker 2: law stays at Bingo every day for like the last
Speaker 2: two decades. She has been going to bingo every night.
Speaker 2: Like a on the way to the shower, she was
Speaker 2: bragging because she had just won two hundred bucks and
Speaker 2: like she's just obsessed. She's obsessed with bingo and so
Speaker 2: like that was the great universal thing at the shower
Speaker 2: and like once the bingo and I was like, it
Speaker 2: was just a stupid bingo game. It was like we're
Speaker 2: gonna pull names of utense, like names of cooking supplies
Speaker 2: out of a bowl, and then you know, it felt
Speaker 2: like it would have been like a really lame game,
Speaker 2: but it brought everyone together and it was I don't know,
Speaker 2: it was just really beautiful and I had a really
Speaker 2: great time. And I gotta think my girls because they did.
Speaker 2: They did me proud, and they you know, I'm like
Speaker 2: a control freak, so that I was really trying to
Speaker 2: like get in there and like what can I do
Speaker 2: and what do you need? And like, but they kept
Speaker 2: me at bay and I'm glad they did because they
Speaker 2: did a good job. I learned to trust. I like
Speaker 2: learned to trust.
Speaker 1: Like you look at it. I was like, oh mane,
Speaker 1: it looks so I was like, what's this new, what
Speaker 1: problem are you using your hair? Your young curls were poppen.
Speaker 2: I know that. Yeah, my curls are happening Miss Jesse's.
Speaker 2: I discovered Miss Jesse's. Yeah, okay, I gave up everything else.
Speaker 2: And I you know, like you get, the older you get,
Speaker 2: you the more you realize you just to try every
Speaker 2: single damn thing until you find out what works for you.
Speaker 2: And I finally found Miss Jesse's and I love her,
Speaker 2: and I need we're gonna have her on the show
Speaker 2: soon because I need to tell her how much I
Speaker 2: love her.
Speaker 1: Are you just claiming that or like, no, no, it's.
Speaker 2: Happening, Like I've been in touch with her people, it
Speaker 2: just hasn't happened yet.
Speaker 1: And she, you know, I love her. She's like one
Speaker 1: of the original. Like back when I first started getting
Speaker 1: like going natural and like Miss Jesse's, you know, there
Speaker 1: were hardly anybody really like teaching like brown girls like
Speaker 1: what to do with their hair. And I remember like
Speaker 1: them being like one of the like pioneer businesses. So
Speaker 1: like to speak to another brown girl who started a
Speaker 1: business for brown girls, like all types of brown girls,
Speaker 1: it's just so inspiring because you know that's what I
Speaker 1: do as the budget needs to. Like, it's a girl
Speaker 1: who with the business for brown girls, so I would go,
Speaker 1: I'm gonna totally geek out. I'm not gonna lie.
Speaker 2: Do you want to do questions again this week?
Speaker 1: Sure? Do you have any brown Breaker brown boosts before.
Speaker 2: You get Yeah? Yeah, yeah, yeah, I can do a yeah,
Speaker 2: we can do Brown Break, Brown Boost and then questions yep.
Speaker 1: Okay, we're both likely. Who's going first?
Speaker 2: Well we need do you want to do an intro?
Speaker 2: And then well, then I can go first.
Speaker 1: Okay, So now that we talked about everything under the
Speaker 1: sun from the oscars to Mandy's awesome bridle shower to
Speaker 1: get out, it is time to boost it or break it?
Speaker 1: Do do do Do Do do, do do do. It's
Speaker 1: Brown Boost, Brown Break time, Mandra What will you be
Speaker 1: doing today? Now?
Speaker 2: It's sticking. It always does, it always does. I think
Speaker 2: I had a really bad day to day, so I'm
Speaker 2: going to try and be positive and I'm going to
Speaker 2: boost one of my favorite So I've boosted some of
Speaker 2: my favorite tools before. I think I talked about the
Speaker 2: Level Money app. I forget what I boosted before, but
Speaker 2: I'm gonna boost Google Drive today. I know, people, you
Speaker 2: may think you know what Google Drive is all about.
Speaker 2: But Google Drive is literally the only thing that keeps
Speaker 2: me sane, and it's the only thing that I use.
Speaker 2: And I have trained everyone at Magnified Money on Google Drive,
Speaker 2: you know, sometimes kicking and screaming. But if you don't
Speaker 2: use Google Drive, and you like, you use different documents
Speaker 2: and you're constantly switching from like well, especially if you're
Speaker 2: editing or you're changing a document, or you're collaborating on
Speaker 2: projects together and your workplace, Google Drive is where it's at.
Speaker 2: It is like the one thing Google, not the one thing.
Speaker 2: But you know, Googles came out with some duds, right yeah,
Speaker 2: buzz Google. I forget what the other things were, the
Speaker 2: bad chat thing like the Google Hangouts or like Google Plus,
Speaker 2: like all that crap. They should have just stopped the
Speaker 2: drive because it's perfect and it's amazing, and it's everything
Speaker 2: in the cloud, and it's where I keep you know,
Speaker 2: maybe I won't say it's where I keep all my passwords. Yeah,
Speaker 2: it's probably about idea. Anyway, Google drives awesome, and it
Speaker 2: replaced it's free if you have Gmail, and it replaces
Speaker 2: for me, it replaces word. It replaces Excel, it replaces
Speaker 2: power Point, It replaces all that crap that you pay
Speaker 2: for like in Microsoft Suite, which is why I've always
Speaker 2: loved it. I never had to pay for any of
Speaker 2: that stuff anymore. And it's in the cloud, so everything
Speaker 2: that I do, my collaborators can see and it's easy
Speaker 2: to share. And this is not a paid endorsement. I promise.
Speaker 1: I will do something similar. I'm going to boost and
Speaker 1: I am going to boost Slack. I don't know if
Speaker 1: you've ever heard of slack before.
Speaker 2: I think you've used this as a boost before.
Speaker 1: Have Well, then okay, I'll do something else at Slack.
Speaker 1: I am going to boost ooh, I'm going to boost
Speaker 1: first class. So for the first time ever, just this
Speaker 1: past week, I actually paid for my very first first
Speaker 1: class ticket and I was debating over it over and
Speaker 1: over and over again. I guess maybe more so boost upgrades.
Speaker 1: And so because I was flying out of Boston and
Speaker 1: going to Orlando, and I said, oh, I really don't
Speaker 1: want to sit and coach it's tight. Not for this
Speaker 1: long flight. No, not over three hours. I'm just like ugh. So,
Speaker 1: I mean, I've thrown first class before, but usually it's
Speaker 1: because like maybe a company has paid for it or
Speaker 1: I got like a great boost or whatever, but I
Speaker 1: never paid for it. And so I was looking at prices,
Speaker 1: and the price of the ticket for Boston to Orlando
Speaker 1: was like like three something like the high three hundreds
Speaker 1: if I just flew like in the afternoon or whatever.
Speaker 1: But if I flew earlier in the morning, it was
Speaker 1: four hundred and if I wanted to fly first class.
Speaker 1: So I was like, ooh, for an extra like thirty
Speaker 1: dollars more in flying earlier, I can fly first class
Speaker 1: in the morning. So that's what I chose. And that's why
Speaker 1: I kind of reason because normally first class tickets are
Speaker 1: like the difference is too great to make, you know,
Speaker 1: it's just too much more money. But I was like,
Speaker 1: thirty bucks, wake up a little earlier, I'll do it.
Speaker 1: Oh OK. So I did, yes, And you know what
Speaker 1: it taught me, because I mean sometimes I'm like cheap
Speaker 1: to a default, because my default reaction when it's time
Speaker 1: to spend money on like things like that, it's like no, no.
Speaker 1: And so I was like, well, look at the number, Tiffany,
Speaker 1: thirty dollars, it's worth it totally. And even flying home,
Speaker 1: they were only middle seats available, and I said, what
Speaker 1: I won't do is middle c I can't. And so
Speaker 1: it was like you could play for priority seating, which
Speaker 1: was like a little bit more seating for twenty two
Speaker 1: dollars the upgrade, and I paid it.
Speaker 2: Oh goodness, they're calling me.
Speaker 1: Hold on, they're calling you, like, can we stop telling
Speaker 1: me secrets? And so I paid for the twenty two dollars.
Speaker 1: And so I told myself, you know who taught me
Speaker 1: that patreats patreats Washington. We all, me and Manny both
Speaker 1: love her. We've had her on the show, Miss Money, Uh, Maven? Right, yes,
Speaker 1: And so Patrese told me once I believe so Miss
Speaker 1: Money Maven she told me once she said, you know
Speaker 1: that she likes to obviously fly first class? Who doesn't
Speaker 1: if you can? And she said, sometimes if a client
Speaker 1: flies her out, you know typically they they pay for
Speaker 1: your flight, that she will pay the additional difference, like
Speaker 1: which is maybe like one hundred bucks fifty to one
Speaker 1: hundred bucks for first class, because it's not the whole ticket.
Speaker 1: That for her, it's like, look, I'm paying fifty bucks
Speaker 1: so I can fly super comfortably. And I thought, you
Speaker 1: know what, so that kind of like opened my mind
Speaker 1: up to like Tiffany, you know, isn't like twenty or
Speaker 1: fifty bucks worth it if you can afford it. Plus
Speaker 1: you can write it off because this is a business trip.
Speaker 1: And so just opening my mind up to upgrade. So
Speaker 1: that's my brown boost is that, like you know that
Speaker 1: if you can afford it. And I'm you know, I save,
Speaker 1: I pay our bills on time, I have retirement, I
Speaker 1: do all that stuff, and sometimes I still forget to
Speaker 1: treat myself. And so expect see me in more first
Speaker 1: class seats as long as it makes financial sense.
Speaker 2: I will see you in wave as I walk on
Speaker 2: by the coach.
Speaker 1: Plus it was nice being like, you know, I was
Speaker 1: like literally like the only brown girl in there, and
Speaker 1: this lady was in my seat and I'm not gonna lie.
Speaker 1: She was a little bit rude because when I was
Speaker 1: walking up, she looked at me like, I know she's
Speaker 1: not sitting here. Meanwhile, she was in my seat and
Speaker 1: that say excuse me my seat? She said what? So
Speaker 1: then I was like, oh, see which And I was
Speaker 1: trying to be nice, so I.
Speaker 2: Said, like big mistake, huge, right, I said.
Speaker 1: Ma'am, you're in my seat and then the stewardess looks
Speaker 1: and she was like, you know, I showed her. I
Speaker 1: was like, I'm I'm for a the window, and the
Speaker 1: lady looked at her face turned red and she's like
Speaker 1: really embarrassed. I'm like, see, we didn't have to do
Speaker 1: this because you wanted to act like I couldn't sit there.
Speaker 1: And then she was all, oh, I know, I'm just
Speaker 1: so used to the window. I didn't realize. And I
Speaker 1: was like, girl, nobody cares. I people sit in seats
Speaker 1: all the time accidentally, but you were rude, so I
Speaker 1: had to put you on blizz ass. Yes, brown girl
Speaker 1: wear her locks all up in disarray, sitting next to
Speaker 1: you in first class, get into this shoulder. Shouldn't be.
Speaker 2: People that rude, Like I like religiously check my ticket
Speaker 2: because I don't want to be embarrassed and like be
Speaker 2: the person who has to move, Like yeah, but you
Speaker 2: do that.
Speaker 1: And the thing is, I've you know, I've done that before.
Speaker 1: Usually I'm like, oh, excuse, need to my seat and
Speaker 1: people are like oh okay. But she was like, what girl,
Speaker 1: I know you're not sitting in this first class or
Speaker 1: maybe I'm just projecting. Either way, I put her on blast,
Speaker 1: and you know she learned a lesson.
Speaker 2: Not today, not today.
Speaker 1: Not when Viola's winning awards. You won't treat me like that.
Speaker 2: Oh Viola's speech, that was a good one. We didn't
Speaker 2: even talk about viola speech. You got to look you
Speaker 2: gotta look up her speech.
Speaker 1: Yeah, we're gonna say this for wins.
Speaker 2: I think I feel like Viola. You know, okay, you'll
Speaker 2: do it for your win, but just real quick. I
Speaker 2: feel like Viola has always has the speeches that you
Speaker 2: feel like you're about to go off a cliff. You're like,
Speaker 2: where is she going with this? And like the second
Speaker 2: line in her speech was I want to write about
Speaker 2: the graveyard. And I was like, oh Viola, where are
Speaker 2: you going? But then she brought it back. It was
Speaker 2: like a history It was a history book moment. Yes, okay,
Speaker 2: you can, you can cover that later.
Speaker 1: All right, all questions, Yeah, what questions do we have? Well?
Speaker 2: First of you, guys have questions, you can hit us
Speaker 2: up at Brandambition podcast dot com just tap the ask
Speaker 2: us anything tab, or you could email us directly at
Speaker 2: Brand Ambition Podcasts at gmail dot com. We've been getting
Speaker 2: a lot of great questions. So let's see how many
Speaker 2: we can do today? Maybe one or two. So question
Speaker 2: number one is from Miss Rhonda, and she says, I
Speaker 2: am I don't know what this stands for, but sahm student.
Speaker 1: I'm a am.
Speaker 2: Passing over that I'm a part time student, part time
Speaker 2: college student. She says, my husband's My husband makes a
Speaker 2: decent salary, but we're eighty nine thousand dollars in the
Speaker 2: hole due to credit cards, student loans, and medical bills.
Speaker 2: We have four children. Our oldest is a junior in
Speaker 2: high school. Our youngest is three years old. I have
Speaker 2: a plan to get us out of debt, but every
Speaker 2: time my husband sabotages us. His latest is that we
Speaker 2: need a bigger house and we can rent out the
Speaker 2: one we live in currently, which admittedly is too small,
Speaker 2: as a way to help pay for us soon to
Speaker 2: be college student. I agree, we do, However, we do
Speaker 2: not have the down payment, and we have this debt.
Speaker 2: He gets his yearly bonus next week and wants to
Speaker 2: save it to buy the other house. I want to
Speaker 2: use it to pay down debt. I've insisted on us slowly.
Speaker 2: I've insisted on us living solely on cash, and I
Speaker 2: plan to get a job once the kids are out
Speaker 2: of school this summer. I want to use my earnings
Speaker 2: for debt repayment in my retirement. He just complains about
Speaker 2: the budget and says that debt is normal. I don't
Speaker 2: believe that. Am I doing the wrong thing? Please help?
Speaker 1: Yeah? Yeah, when your significant others not on the same
Speaker 1: financial page as.
Speaker 2: You, not just that they're not on the same page
Speaker 2: with you, but they're determined to normalize your terrible financial
Speaker 2: situation and dig you even deeper into debt. Yikes.
Speaker 1: So what I try to do with Superman is I
Speaker 1: try to find a common denominator, meaning something that we
Speaker 1: both can like agree upon, even if it seems random.
Speaker 1: Like what I found as a common denominator in the
Speaker 1: very very beginning was his daughter, So like Supergirls, like
Speaker 1: the love of his life. You know, that's his daughter.
Speaker 1: And so in the beginning when I was trying to
Speaker 1: like get us both on the same financial page, he
Speaker 1: was resistant and like similar to that, like, oh it's
Speaker 1: not a big deal. Everybody's out adista. Who cares if
Speaker 1: my car notice the same amount as somebody's mortgage. Nobody cares.
Speaker 1: I've got the car, won. I was like, oh my god,
Speaker 1: I'm dying on the inside. So then after like trying
Speaker 1: different things, I recognized, oh, he loves his daughter so much.
Speaker 1: Let me use that as an angle, and so I
Speaker 1: used it as are you saving for her future? And
Speaker 1: at first he was like, no, you know, she's smart,
Speaker 1: she'll get a scholarship. And I'm like, well, you know
Speaker 1: this is probably true, but let's also have like a
Speaker 1: plan in conjunction to that. So it started off with
Speaker 1: him just going to his job and saying, hey, instead
Speaker 1: of giving me all my money in my checking account,
Speaker 1: divert some of that to the savings. And I said, well,
Speaker 1: while you're there. Another common denominator was we wanted to
Speaker 1: go on vacation. I said, while you're there, divert some
Speaker 1: to a savings account for yourself, a joint savings account
Speaker 1: for vacations for us and your daughter saving. So that
Speaker 1: was like the end, and then I left it, and
Speaker 1: then he lived his life. He did well. He still
Speaker 1: had his car, you know, but now he's saving three
Speaker 1: different ways and paying his bills. And then after like
Speaker 1: six months of kind of him in that space, I
Speaker 1: broached another stop, you see what I mean? So it
Speaker 1: was like, you know, vacation might not seem like a
Speaker 1: fun thing or might not seem as responsible as like,
Speaker 1: you know, saving the payoff debt, but that might be
Speaker 1: a common denominator, like let's do this for quote unquote vacation,
Speaker 1: and that vacation account than when we originally started like
Speaker 1: three years ago, has morphed into our house account, and
Speaker 1: this is why now he's able to buy a house.
Speaker 1: And you know, I've helped him get his credit score together,
Speaker 1: so you know, we started off in one place. But
Speaker 1: I knew in my mind, I'm not gonna lie that
Speaker 1: vacation a cat was always a house account, he just
Speaker 1: didn't know it.
Speaker 2: For Rhonda, I feel like the common denominator has to
Speaker 2: be the fact that he wants to buy a house,
Speaker 2: But how is he going to get a house, like
Speaker 2: get qualified for a mortgage. They have nearly ninety thousand
Speaker 2: dollars in credit card and a student loan debt, Like
Speaker 2: I feel like to get to his goal, she could say,
Speaker 2: you know, in order for us to be in the
Speaker 2: best position to qualify for a loan for a bigger house,
Speaker 2: which I'm guessing is probably going to cost more money,
Speaker 2: you know, we should be working on paying down our
Speaker 2: debt because like, isn't that one of the biggest that's
Speaker 2: the biggest thing that a mortgage a loan officer is
Speaker 2: going to look at.
Speaker 1: So maybe what she could do is have about if
Speaker 1: you guys, go shop for a mortgage. Don't let them
Speaker 1: pull your credit like we said last week, but go
Speaker 1: shop for a mortgage. And sometimes it's hard for people
Speaker 1: to listen to you when they know you. So let
Speaker 1: the mortgage person say there's no way you have too much.
Speaker 2: Debt that might want income, Well, then.
Speaker 1: That's going to be perfect. Let that mortgage person be
Speaker 1: like to burst his bubble a little, like, this is
Speaker 1: what you're going to need to be able to qualify.
Speaker 1: Having someone else say it's to be really powerful. I
Speaker 1: think that helps a lot too, So that's what I
Speaker 1: would do. I would be like, you know what, let's
Speaker 1: you know, let's call mortgage shopping and just see what
Speaker 1: people say about our current financials. And then let that
Speaker 1: person say, honestly, with where you are now, you'll only
Speaker 1: be able to afford this much house. But if you
Speaker 1: did X y Z, pay down deb get your credit
Speaker 1: to where it's supposed to be, you'd be able to
Speaker 1: afford more house. So maybe let someone else, say it
Speaker 1: a professional financial person, someone that he's gonna want to
Speaker 1: hear from. Because it's a mortgage person. The mortgage person
Speaker 1: will tell you flat out. So I think that's probably
Speaker 1: the best, the best bet, that your common denominator is
Speaker 1: your mortgage and let the mortgage person be the bearer
Speaker 1: of bad news.
Speaker 2: That's exactly what I did earlier this summer when we
Speaker 2: were me and my fiance were arguing over whether or
Speaker 2: not we should buy right now or keep renting. I
Speaker 2: remember I was like, okay, it was it was it
Speaker 2: was taking up our it was like really a problem.
Speaker 2: We were constantly arguing about it, and I was like,
Speaker 2: let's hire. I was like, okay, I'm going to hire
Speaker 2: a financial planner and we're going to have a conversation
Speaker 2: with her. We're going to show her all of our
Speaker 2: numbers and have let's get her opinion. And we did
Speaker 2: just that, and not to brag, but she gave us
Speaker 2: three different scenarios and she was like, here's what your
Speaker 2: money would look like if you bought a house, Here's
Speaker 2: what it would look like if you continue to rent,
Speaker 2: and here's what it would look like if you bought
Speaker 2: an investment property and had some rental income and the
Speaker 2: worst scenario for our money was to buy a house.
Speaker 2: And that was sort of like, yeah, that was like
Speaker 2: a wake up call for him, and it wasn't like
Speaker 2: me and my nagginess like you know, telling and we
Speaker 2: can't afford it. We can't afford it or it's not
Speaker 2: good for us, you know. And that at least saved me,
Speaker 2: It bought me some time. I'm not gonna lie and
Speaker 2: say that it's like completely stop being a point of
Speaker 2: contention his desire to buy a house and my desire
Speaker 2: to not. But it definitely helped having a professional And
Speaker 2: now it's sort of like you can blame someone else, yes,
Speaker 2: and you can. You can preserve your own, you know, relationship,
Speaker 2: but then have someone else be the bad guy.
Speaker 1: Yep, agreed, Yep. Okay.
Speaker 2: So next question comes from Christa. She says, question for you.
Speaker 2: I've been considering transferring my money from Wells Fargo to
Speaker 2: another bank. I wonder why going to check out the
Speaker 2: resources of Magnify Money to choose the best one for me?
Speaker 2: Good job, christ Yeah, My concern is that I've been
Speaker 2: with Wells Fargo for eighteen years. I'm under the assumption
Speaker 2: that staying with one bank over time would have benefits financially.
Speaker 2: Are there any consequences for switching and does it really
Speaker 2: matter how long you've been with one bank?
Speaker 1: Thanks Krista, No, not in this modern age. I think
Speaker 1: what she's thinking of, right, because like I'll say this,
Speaker 1: if you're with a credit union, like the only time
Speaker 1: that to me it makes like a big It makes
Speaker 1: a difference is certain banks, like for example, a credit union,
Speaker 1: they might say you have to bank with us for
Speaker 1: like six months, three months, a year before you can
Speaker 1: get along that kind of thing. But typically it's under
Speaker 1: a year. So anything past that you're fine. Or sometimes
Speaker 1: being with the bank is because you've built relationships with
Speaker 1: the people at that bank, meaning like you in the
Speaker 1: bank branch man are super cute, super closed, and like
Speaker 1: when you're like looking for a loan, they look at
Speaker 1: you more as a person than a number because you're
Speaker 1: you've been really cool with that bank. But no, like
Speaker 1: those days are done. People don't really are not don't
Speaker 1: really get to know the people at the bank like that.
Speaker 1: And yeah, so if you want to go, girl, go
Speaker 1: and it's.
Speaker 2: Never I mean it's people. It's crazy how long people
Speaker 2: will stick with their bank even if their bank is
Speaker 2: treated them badly. I mean, look at Wells Fargo. Wells
Speaker 2: Fargo just got taken down in this history making legal
Speaker 2: action taken by the CFPV earlier this year because it
Speaker 2: was they found out that thousands of their salespeople were
Speaker 2: sneaking behind their customers back and signed them up for
Speaker 2: credit card products and savings products and loan products that
Speaker 2: they didn't really need just to get the commission. Yeah,
Speaker 2: and they're they're facing like a multi billion dollar fine
Speaker 2: for that, and they had to do just they just
Speaker 2: like let go half their executive team because of that, soul.
Speaker 2: I don't blame you for wanting to leave Wells Fargo,
Speaker 2: And honestly, there's so many banks out there that don't.
Speaker 2: I mean, Wells Fargo has high fees, They require a
Speaker 2: minimum balance for some of their checking accounts. I mean,
Speaker 2: like a lot of big banks, they have so much
Speaker 2: high overhead costs that they pass those costs in now
Speaker 2: to you to you in the form of fees. So
Speaker 2: if you can find a better deal, I feel like
Speaker 2: you shouldn't have. You shouldn't feel loyalty to a big bank.
Speaker 2: I agree, Like, if it's your court, if you're like
Speaker 2: your community bank or your credit maybe, although like contrary
Speaker 2: to what people think, We've taken a look at credit
Speaker 2: card credit union fees and they're not always that much
Speaker 2: better than big banks. Even so, at the end of
Speaker 2: the day, you just don't have don't feel a sense
Speaker 2: of loyalty.
Speaker 1: Towards anybody but your money anybody.
Speaker 2: And if you you know, it's it's not that hard
Speaker 2: to ditch your bank. In fact, our reporter, who had
Speaker 2: a Wells Fargo account wrote wrote a step by step
Speaker 2: guide to ditching her Wells Fargo account and signing up
Speaker 2: for accounts at Capital one, three sixty and Ally, which
Speaker 2: are online like digital banks that have lower fees and
Speaker 2: a higher return on her savings rate. So I'm gonna
Speaker 2: I'll take a note and I'll send that to Christa
Speaker 2: and then I'll post it for everyone on the website too,
Speaker 2: because that's that's helpful.
Speaker 1: And that's what I love about Magnified Money's website is
Speaker 1: because like before then you would have to like wade
Speaker 1: through like way and know each bank and go to
Speaker 1: their site. No, now you can just put in like
Speaker 1: kind of like your what you're kind of looking for,
Speaker 1: and you could see all in one place, what each
Speaker 1: of these banks is offering. I remember when I was
Speaker 1: looking to open up business account for my second business,
Speaker 1: you know, Magnified money was clutch because I was able
Speaker 1: to put in like on my zip code and like
Speaker 1: I didn't want to pay fees and see all in
Speaker 1: one place. They were like banks I didn't even hear from,
Speaker 1: like what's investors bank? Oh, and you know, and so
Speaker 1: it just was really helpful. So you're in the right place,
Speaker 1: and definitely choose what's best for you, not what's best
Speaker 1: for the bank.
Speaker 2: Definitely. All right, guys, So if you have questions, go
Speaker 2: ahead and email us like we said, Brand Ambisson Podcast
Speaker 2: at gmail dot com or hit us up on on
Speaker 2: the website at Brianambition podcast dot com. Ask us anything
Speaker 2: is the link to click.
Speaker 1: So I was gonna do, like, you know, my wind
Speaker 1: to be miss Viola, even though I didn't even see
Speaker 1: he speech, but I heard it was epic because she's
Speaker 1: like amazing. I know, I'm the worst, that is the lazy,
Speaker 1: So I know, honestly, it has been a week, honey,
Speaker 1: a week.
Speaker 2: Okay.
Speaker 1: So I tried on some jeans that used to be
Speaker 1: my loose jeans and now I could barely zip them up.
Speaker 1: You know when jeans are so tight that you put
Speaker 1: the button on and the zipper zips down by itself,
Speaker 1: and you're like, what is appunning? And I said, what
Speaker 1: is happening? And I have put on I don't even
Speaker 1: want to step on the scale, but I will later.
Speaker 1: I can't even imagine when I put on. I need it.
Speaker 1: I need an intervention. Okay, So this is what I'm
Speaker 1: asking my brown ambition folks, because you got I have
Speaker 1: not see me wrong. You have gotten my skin popping
Speaker 1: with that, I always say the name wrong. The oil
Speaker 1: would talk to the a Argan oil. Yes, you have
Speaker 1: helped me with my hair. You guys have helped me
Speaker 1: with so many things. And now I am asking for
Speaker 1: help because.
Speaker 2: I what happened to your trainer?
Speaker 1: Yeah? I just couldn't keep up because the thing about her,
Speaker 1: she's great, Keana shout out to Q. The thing is like,
Speaker 1: because like I would see her every Tuesday and Thursday,
Speaker 1: and as long as I can maintain that, I would go.
Speaker 1: But then you know, I'd fly here, go here, go there,
Speaker 1: and then for three weeks I'd be out of commission,
Speaker 1: and then getting back started again was very difficult because
Speaker 1: it was like starting a new regimen every you know,
Speaker 1: every time I would leave or go somewhere. So I
Speaker 1: have to figure out something because honestly, like my whole life,
Speaker 1: I've been pretty slim and I'm you know, I'm definitely
Speaker 1: not fat, and I have to be honestly thing I
Speaker 1: could honestly say, like, I'm one of those people that
Speaker 1: I look in the mirror and although it's not perfect,
Speaker 1: I've always liked my body. I'm like, you know, I
Speaker 1: got that nice little shape, little booty, little thigh action.
Speaker 1: I like that, you know, and you know, Superman definitely
Speaker 1: is not gonna play and he's like yeah. I'm like,
Speaker 1: but I really don't want to buy new clothes. And
Speaker 1: it's getting to the point where I'm like, yo, because
Speaker 1: I don't buy clothes tight anyway. That's just like like
Speaker 1: I don't really like to wear my clothes tight. But
Speaker 1: when my like non tight clothes are starting to fit,
Speaker 1: like club clothes, I'm like, yeah, this is a church dress,
Speaker 1: so why do I look like I'm going to the
Speaker 1: going to the club. So I don't know if you
Speaker 1: guys have any suggestions for I know it starts with
Speaker 1: diet if there's like some sort of program and not
Speaker 1: diet as in being on a diet, but meaning like
Speaker 1: some sort of like here's some healthy meals day one,
Speaker 1: day two, day three, so I can just integrate them
Speaker 1: into my life, and then also some sort of exercise
Speaker 1: routine something that I can integrate into my life. The
Speaker 1: fact that my life does you know, I'm not in
Speaker 1: one place for too long something like that, because I'm
Speaker 1: just not really appreciating my clothes don't fit that if
Speaker 1: my win. I'm just asking what are some all alternatives too,
Speaker 1: because probably sweets are my biggest thing. Alternatives to sweets
Speaker 1: meaning like I'm a cookie cake candy like chocolate girl.
Speaker 1: What are some things where I can get that, like
Speaker 1: I can fulfill that need without having to like you know,
Speaker 1: take in all of those calories. Like for example, one
Speaker 1: thing I do because I used to have like a
Speaker 1: soda addiction, like to like ginger rale. So instead of soda,
Speaker 1: what I'll do now is I will I have like
Speaker 1: you know, salttera water, and sometimes I'll have like one
Speaker 1: hundred percent juice, like and I won't put much juice,
Speaker 1: but it'll just give it just enough, like in my
Speaker 1: celter to be like, Okay, this is fizzy, it has
Speaker 1: some flavor. You don't need soda, you know, so stuff
Speaker 1: like that. So if you guys have some suggestions, just
Speaker 1: just tweet me at the Budgetista or instagram me at
Speaker 1: the Budgetista, and I'd love your suggestions for sweet substitutes
Speaker 1: that the things I can make at home, because like
Speaker 1: I said, I like cooking, but I'm just like, what
Speaker 1: is happening? Like I want to I'm thirty seven, and
Speaker 1: I want to go into like, you know, my forties
Speaker 1: snatched and not looking like what happened. I used to
Speaker 1: be so right in sight.