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Speaker 1: Hey, ba fam, we are five years into making this

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Speaker 1: podcast that we love so much called Brown Ambition, and

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Speaker 1: we could not do it without you. We've gone from

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Speaker 1: me and Tiffany sneaking around my old office building trying

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Speaker 1: to find places to record, and thanks to you, guys,

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Speaker 1: we now have one hundred thousand downloads per month for

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Speaker 1: this little show called Brown Ambition. We would love to

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Speaker 1: ask y'all for a small favor as fans of the show. Tiffany,

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Speaker 1: what are we looking for?

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Speaker 2: Here's what we'd love from you, guys.

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Speaker 3: We already have over a thousand reviews and a five

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Speaker 3: star rating on iTunes, but you know it's better than

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Speaker 3: one thousand reviews two thousand reviews. If you get head

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Speaker 3: on over to iTunes, go to our Brown Ambition page,

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Speaker 3: scroll on down to the bottom, subscribe and leave us

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Speaker 3: a five star rating and review.

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Speaker 1: So subscribe, rate review. Not too much to ask, right, easypas.

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Speaker 1: We love you guys, and thank you so much for

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Speaker 1: making Brown Ambition what it is. The last five years

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Speaker 1: have been amazing and it's all things to you.

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Speaker 3: Hey, hey, hey, I can't contain my excitement. Okay, hey Mandy,

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Speaker 3: how you doing?

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Speaker 1: Damn? I'm so good how are you, Tiffany.

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Speaker 3: Oh my goodness, I honestly don't think I've ever been

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Speaker 3: this excited before to tape our podcast. I mean, I'm

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Speaker 3: always excited. Speaking of which sidebar, I went to a

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Speaker 3: children's birthday party this weekend and want to be a

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Speaker 3: pen hanging like that. No, and it's real quick because

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Speaker 3: this is important. And I went to this children's birthday party.

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Speaker 3: I walked in this lady said, I was.

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Speaker 2: Just listening to Brandon bish and tell me Mandie.

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Speaker 3: I said hi, And I was like, what at this

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Speaker 3: nine year old birthday party? So I just had to

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Speaker 3: tell you that that she said Hi.

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Speaker 2: She was really nice.

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Speaker 3: But it's just yeah, so we're everywhere just to tell

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Speaker 3: you we're at children's birthday parties. So yes, I'm excited

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Speaker 3: because we have a special guest today and I can't

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Speaker 3: even focus on anything else.

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Speaker 1: I did not know what a stand you were.

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Speaker 3: What this is I'm trying to think, is to anybody

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Speaker 3: in the finance world that I want to talk to more?

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Speaker 3: Isn't h Actually he's definitely top three for me. I

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Speaker 3: don't even know the other two. Like, I don't even

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Speaker 3: know the other two. I'm just saying top three, because

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Speaker 3: I don't want to see him crazy by saying my

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Speaker 3: number one.

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Speaker 1: Well, I'm so excited too, you guys should I let's

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Speaker 1: let's get to it. Our guest today is the fabulous

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Speaker 1: Just Breet Sing, the founder of the Minority Mindset, which

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Speaker 1: has basically become like a financial education empire. If we can, yes,

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Speaker 1: we can say that Sure started as a YouTube channel

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Speaker 1: four or five years ago. Hmmm. Also celebrating our five

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Speaker 1: year anniversary. So I feel like our journeys have been

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Speaker 1: in tandem. But Jos brit started his YouTube channel in

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Speaker 1: twenty fifteen. It has blown up. He's got hundreds of

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Speaker 1: thousands of subscribers, he's got a massive Instagram following. But

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Speaker 1: he also has really at the heart of Minority mind

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Speaker 1: Set is financial education. So he has a very successful blog,

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Speaker 1: a newsletter that I actually signed my husband up for,

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Speaker 1: you know, like I was like, babe, listen to you know,

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Speaker 1: get this newsletter, and I just like put an email in.

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Speaker 1: Now he loves his newsletter. I feel like, next to

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Speaker 1: Robin Hood Snacks and the Minority Mindset newsletter, I'm set

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Speaker 1: for the day. Yeah, I got my you know, I

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Speaker 1: got my financial news all covered. So just is here

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Speaker 1: with us.

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Speaker 3: My gosh, if the word geeked was in the dictionary,

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Speaker 3: it'd be my face right now. Like you have no idea,

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Speaker 3: like bother I loved, you have no idea? What another? Yes,

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Speaker 3: I well, you know what it is I love about

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Speaker 3: him is that one another brown financial educator who actually educates,

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Speaker 3: Like he has this passion for teaching and you know,

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Speaker 3: like the teacher me, I'm like a teacher snob. So

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Speaker 3: I can tell when someone's a good teacher and actually cares.

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Speaker 3: You could tell one that he really cares too. He's

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Speaker 3: a really good teacher because he takes these concepts that

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Speaker 3: can be really overwhelming and daunting and makes them easy

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Speaker 3: to understand.

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Speaker 2: And what I really love is that Josspree his.

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Speaker 3: Information is different in that like I focus on like

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Speaker 3: basic financial education like budgeting and saving and debt, and

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Speaker 3: someone like Sandy's side hustles, and someone like Tila sucks.

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Speaker 3: But Josh Breed really hones in on like economics. He's

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Speaker 3: like an economics professor that is fun and engaging, and

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Speaker 3: you get to learn about like money in this personal sense,

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Speaker 3: but what does it mean out there in the world?

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Speaker 3: And then how do you bring it back to you,

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Speaker 3: like I've never I've never seen that before, you know,

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Speaker 3: all the financial educators that I've seen in the way

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Speaker 3: that someone can teach modern economics in the way that

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Speaker 3: it's personal. So yeah, I just screaming. I'm going to

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Speaker 3: calm down now, like when he's on, I'm not going

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Speaker 3: to be normal.

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Speaker 2: I'm going to be normal.

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Speaker 1: Well, if you don't yet, go and follow Josh Breed's

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Speaker 1: YouTube channel. It's the Minority Mindset and he we'll let

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Speaker 1: him explain the meaning behind the minority mindset. May not

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Speaker 1: be what you think, but it's one of my favorite

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Speaker 1: things about his channel, you know, and really his point

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Speaker 1: of view, which I'm really interested to talk about. And

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Speaker 1: he and Tiffany have like everything in common, so I

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Speaker 1: think we're like a little financial guru. Matchmaking is happening here,

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Speaker 1: you know, not like that, Like no, like he's more

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Speaker 1: like my friend.

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Speaker 2: He's my financial brother or cousin.

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Speaker 1: Yes, Josh Bred's going to talk about how he got

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Speaker 1: his start in financial literacy education, and like anyone that

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Speaker 1: we know in this business, it started with kind of

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Speaker 1: a sad story, but he bounced back and now he

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Speaker 1: is bringing his education to the masses and We're going

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Speaker 1: to talk with him next on the show before we

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Speaker 1: do that. What about us tivity? These days?

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Speaker 2: I don't even know.

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Speaker 3: I'm like, who cares now, I'm just doing What is

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Speaker 3: what is going on?

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Speaker 2: Honestly, I don't know. You know, I'm not gonna lie.

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Speaker 2: I'm so distracted. I'm like, what's going with my life?

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Speaker 2: I'm breathing?

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Speaker 1: I ate the Yeah, I honestly, we're laboring on labor day?

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Speaker 1: What's wrong with us?

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Speaker 2: I know it's okay though, that's fine, it's for a

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Speaker 2: good cause. But what about you?

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Speaker 3: What's going I can't even think of anything new in

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Speaker 3: my life right now other than this, So what about you?

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Speaker 1: I usually rely on you for all the excitement. My parents, well,

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Speaker 1: my mom and my stepdad were in town all week long,

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Speaker 1: and I feel like I barely saw them because of course,

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Speaker 1: I was taking advantage of all that free childcare to

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Speaker 1: do as much work as I possibly could, and part

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Speaker 1: of that week I spent working on the show. You guys,

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Speaker 1: we are so close. The brun Ambition merch Store is

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Speaker 1: like ninety nine point nine percent ready to go. In fact,

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Speaker 1: maybe by this week's episode there will be a place

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Speaker 1: where you can finally get your Brown Ambition t shirts, okay,

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Speaker 1: and onesies. There may be a coffee mug. There may

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Speaker 1: be a tote bag. We'll see. So I've been working

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Speaker 1: on the virtual store, let's see. On top of booking

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Speaker 1: today's esteemed guest just for saying, I also booked a

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Speaker 1: couple other guys, Tiffany, he was not asking you, I did.

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Speaker 1: This month is going to be major. So we have

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Speaker 1: Lynette Californi Cox rejoining our lib right. She's like the

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Speaker 1: og guest of Brown Ambition, and I figured there was

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Speaker 1: no better way to celebrate our upcoming five year anniversary

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Speaker 1: than having one of our faves back on the show.

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Speaker 1: But Lynette is going to talk about all about how

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Speaker 1: she and her husband Earl. I don't know if you

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Speaker 1: follow them on Facebook, but every other week she's like,

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Speaker 1: we just buy Oatman property. Yes, they make six of

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Speaker 1: you know, our six property.

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Speaker 2: Yeah.

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Speaker 1: So I'm like, Lynette, you have got to and she

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Speaker 1: hasn't really you know, been talking about their journey to

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Speaker 1: real estate, you know, uh, entrepreneurship. So I'm really excited

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Speaker 1: to have her, and we're going to focus all about

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Speaker 1: because we do get these questions a lot from listeners.

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Speaker 1: You know, what do you guys think about, you know,

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Speaker 1: investing in real estate and having an income property and

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Speaker 1: how that how that all works. But Lynette is really

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Speaker 1: doing it, So I'm excited to have her on. I

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Speaker 1: think she's going to be on in a couple of weeks.

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Speaker 1: And then we also have doctor Emani. She's from a

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Speaker 1: show called Married to Medicine, and she's going to be

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Speaker 1: joining us to talk about mental health as you guys know,

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Speaker 1: like we're all we're just I mean, Tiffany and I

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Speaker 1: are pretty transparent about, you know, what we do to

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Speaker 1: cope with life, and therapy has been a big part

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Speaker 1: of my life and I know right now in this

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Speaker 1: in these crazy times, mental health is so important and

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Speaker 1: doctor Mooney is a black woman in mental health really

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Speaker 1: helping to remove the stigma, and we're gonna have her

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Speaker 1: on to talk about how we can all cope with

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Speaker 1: the insanity of today's world a little bit better. So

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Speaker 1: look out for an interview with doctor Amani coming up

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Speaker 1: in September as well.

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Speaker 2: Yeah, we're busy beavers.

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Speaker 1: Busy beavers. I know, how do you feel about five years?

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Speaker 2: Jessfree just messes me, he said, Hey, Tiffany, it's just free.

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Speaker 1: Okay, I'm done. You distracted. I can't even talk to

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Speaker 1: you right now.

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Speaker 2: All right, I'm gonna I'm gonna screenshot it so I.

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Speaker 1: Can't rid be cool. Dang now I'm gonna have to

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Speaker 1: play it cool.

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Speaker 2: You will, girl, it's alway gonna be I'm not playing

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Speaker 2: it cool. I'm gonna fan out.

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Speaker 3: Okay, No, but yes, are we doing a biogram? Or

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Speaker 3: that was basically we're gonna die?

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Speaker 1: That was basically the did I not do no?

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Speaker 2: No, you did get a job.

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Speaker 1: I'm sorry.

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Speaker 2: I'm just flustered.

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Speaker 3: And for those of you who are like, oh my god,

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Speaker 3: no there is I mean, just you know, I guess

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Speaker 3: he's a good looking guy, and ain't about that. It's

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Speaker 3: just to find somebody who's like a kindred spirit in

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Speaker 3: financial education is not an easy thing. So yeah, that's

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Speaker 3: what I'm just so geeked aback because it's like this

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Speaker 3: is somebody who I really listen to and think, like, wow,

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Speaker 3: I've learned so much because I'm to me, a good

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Speaker 3: teacher is a better learner, a better student, and so

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Speaker 3: like you know, through him, I've been able to just

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Speaker 3: learn so much.

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Speaker 2: So it just feels like, oh, my god, my teacher's here,

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Speaker 2: so I'm excited.

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Speaker 1: Okay, well let's get to it. Let's take a quick break.

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Speaker 1: Tiffany needs to get a glass of water, maybe like

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Speaker 1: reapply her toyodorant, and I feel I can like feel

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Speaker 1: this sweatingness. Fine, I'm alright, be right back, but I'll

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Speaker 1: speak saying from the minority mindset.

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Speaker 2: And we're back.

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Speaker 3: So you guys heard my intro. Joss bried has not

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Speaker 3: heard my intro yet, so he's not properly embarrassed as

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Speaker 3: he will be later. I am so excited, I mean

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Speaker 3: because they don't ever hear me. I mean, I'm excitable easily,

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Speaker 3: but they don't hear me. Gush about another financial educator.

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Speaker 3: But I'm super geeked because to find someone who is

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Speaker 3: as excited about personal finance as I am. But also

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Speaker 3: it's a really good educator. Just brit I used to

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Speaker 3: be a school teacher for ten years before I started

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Speaker 3: the Budgetista.

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Speaker 4: Oh wow, that's amazing.

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Speaker 2: And so just like.

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Speaker 3: Listen to your your your YouTube channel literally every morning.

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Speaker 3: It's like one of the ways I start my day.

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Speaker 3: I've gotten that's like all my sisters listen, especially my

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Speaker 3: sister Carol.

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Speaker 2: So much so that my three year old niece Amelia

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Speaker 2: is like, just.

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Speaker 4: Free I get Oh my god, that's awesome.

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Speaker 2: Yeah. So I'm just really excited.

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Speaker 3: You are awesome and amazing and if you guys have

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Speaker 3: not subscribed to his YouTube channel, we highly encourage it.

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Speaker 3: Its minority mindset on YouTube. And yeah, let's get this

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Speaker 3: party started.

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Speaker 4: You are awesome, Thank you so much.

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Speaker 1: Loved we're having on the show. I think Tip and

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Speaker 1: I have both been kind of fanning out or standing

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Speaker 1: out for you for a while and then we realize

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Speaker 1: we both watch you, so we had to have you

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Speaker 1: on Just Bree. I want for people who don't know

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Speaker 1: about the minority mindset and what that means. Can you

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Speaker 1: just quickly explain what you mean by the minority mindset

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Speaker 1: and how it applies to your financial philosophy.

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Speaker 5: Yeah, So, the minority mindset has nothing to do with

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Speaker 5: the way you look, your ethnicity or your skin color.

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Speaker 5: It's the mindset of thinking differently than the majority of

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Speaker 5: people when it comes to you money. So I say,

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Speaker 5: like the majority people have what I call like a

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Speaker 5: consumer mindset spend spend spend. I try to teach and

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Speaker 5: help people develop more of a minority investor mindset where

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Speaker 5: it's more of, okay, how do I use my money

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Speaker 5: as a tool to kind of help build my wealth

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Speaker 5: and started making everybody around me rich.

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Speaker 2: Now we love that. How did you get into teaching

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Speaker 2: financial education?

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Speaker 1: Like? How?

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Speaker 3: Because I know you are an attorney by or by trade,

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Speaker 3: and I love the fact that you're always like, you know,

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Speaker 3: I'm an attorney, but I'm not your attorney. I'm like

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Speaker 3: such an attorney thing to say, like don't suit me,

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Speaker 3: so your grandma, But yeah, so how are you still

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Speaker 3: an actively practicing attorney?

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Speaker 2: But yeah, how did you make that transition?

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Speaker 1: So?

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Speaker 5: Uh no, I do not actively practice in that sense.

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Speaker 5: It was kind of so. I grew up in a

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Speaker 5: very traditional Indian household. When I was growing up, I

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Speaker 5: was told that I need to become a doctor. That

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Speaker 5: was kind of like the only thing that I was taught,

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Speaker 5: Like from the day I was born. I was taught

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Speaker 5: to study science and math so that way I can

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Speaker 5: get into medical school. And when I say that my

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Speaker 5: parents were strict about me getting into medical school, I

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Speaker 5: mean they were very very very strict. Like when I

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Speaker 5: was in eighth grade, my parents got me a tutor

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Speaker 5: not to help me with my English class that I

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Speaker 5: was struggling with. But to help me get into medical school,

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Speaker 5: they got me an MCAT tutor, which is the thing

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Speaker 5: that people take to get into medical school when they're

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Speaker 5: finishing college. So my parents were very serious about me

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Speaker 5: going into medicine. But I've always sort of had this

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Speaker 5: like entrepreneurial mindset. When I was in high school, I

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Speaker 5: started working at weddings. I used to play this Indian

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Speaker 5: drum called the Old and I would play this at

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Speaker 5: weddings and I got to know a lot of DJs.

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Speaker 5: And then my junior and senior year in high school,

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Speaker 5: I started actually hosting teen parties for kids in my

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Speaker 5: high school and this was kind of my first real

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Speaker 5: exposure to entrepreneurship. And I went to college thinking that

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Speaker 5: everybody goes to college to study. Like I thought people

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Speaker 5: would spend their Friday nights in the chemistry lab doing

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Speaker 5: reactions and with things like this, and everybody was partying.

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Speaker 5: Now I don't. I never drink. I was never really

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Speaker 5: into partying. It was more just a business for me.

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Speaker 5: But I needed something to do on Friday nights. So

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Speaker 5: I took my high school kind of teen party business

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Speaker 5: into college and I started this college party business. And

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Speaker 5: that's when I really started developing this minority mindset because

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Speaker 5: the majority of people were partying and blowing all their

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Speaker 5: money at parties, and all of a sudden, now I

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Speaker 5: was making pretty decent money in college without a degree,

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Speaker 5: because I don't know that was possible. And that's when

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Speaker 5: I started thinking, Wow, what happens when you think differently

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Speaker 5: than the majority of people. So I never grew up

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Speaker 5: learning about money. I never grew up learning about entrepreneurship,

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Speaker 5: I never grew up learning about business. I actually had

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Speaker 5: to do all of this kind of like in secret,

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Speaker 5: because I don't want my parents to know that I

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Speaker 5: was doing business, right. I needed them to think that

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Speaker 5: I was going to become a doctor. And so now

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Speaker 5: I was starting to make money, and I had money

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Speaker 5: in the bank for the first time, and so I

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Speaker 5: started reading books about investing, and that's when I started

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Speaker 5: learning more about real estate investing and stock market investing.

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Speaker 5: And that's when I started learning all this stuff about

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Speaker 5: money that I had never been exposed to before. So

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Speaker 5: it was like this kind of like almost like mind

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Speaker 5: shock because I don't even know this world of like

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Speaker 5: money management and investing in passive income even existed.

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Speaker 1: So are we we're not outing you to your parents

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Speaker 1: right now? Or do they do they know who you are?

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Speaker 1: Just free? Do they know? Do they know about them?

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Speaker 1: Manuwerey mindset?

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Speaker 4: They know?

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Speaker 5: No?

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Speaker 4: Yeah, it was how do they feel about it? Now?

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Speaker 4: They love it?

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Speaker 5: You know now It's like at first it was a

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Speaker 5: big shock. It took my mom years to really get

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Speaker 5: over that idea that her son wasn't going to become

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Speaker 5: a doctor. But now they're like, wow, okay, so I

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Speaker 5: guess this. This did work. So it took some time,

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Speaker 5: but you know, it was one of those things where

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Speaker 5: you know, my parents were never exposed to it either.

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Speaker 5: You know that like most of us, I don't think

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Speaker 5: we're ever exposed to financial education, money management, and investing,

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Speaker 5: so we don't know what that even means, or that

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Speaker 5: it what that entails.

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Speaker 1: Do you find that they come to you for advice?

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Speaker 2: Now?

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Speaker 1: Are you the family financial guru?

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Speaker 4: Oh? Yeah, yeah.

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Speaker 5: So I'm help with my dad because you know, all

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Speaker 5: of a sudden, it's like what is retirement?

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Speaker 4: How do you plan for retirement? What is investing? So

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Speaker 4: I've been helping my dad with all of that, and

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Speaker 4: you know.

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Speaker 5: It's it's funny how things have kind of come full

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Speaker 5: circle because in the beginning they're like, you know, don't

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Speaker 5: worry about money. If you just get a good job,

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Speaker 5: then nothing else matters. But now it's like, wait, no,

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Speaker 5: it doesn't work like that. You have to understand your

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Speaker 5: money if you want to be able to live a

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Speaker 5: good life no matter what you do.

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Speaker 3: No, and just I can totally relate my my parents

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Speaker 3: were born and raised in Nigeria, and it was like

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Speaker 3: you could be a doctor, a lawyer, a pharmacist.

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Speaker 2: Everything else is a drug dealer.

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Speaker 3: Yeah, so they were delighted when I became a school teacher,

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Speaker 3: absolutely thrilled. They were just like, what you're dealing drugs now?

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Speaker 3: So now they love the fact that I'm the budgetista.

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Speaker 3: But it took many, many years and success for them

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Speaker 3: to be okay with it.

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Speaker 4: I get it, I get it.

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Speaker 5: Yeah, It's just one of those things where you know,

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Speaker 5: it's just it's not something we're used to. It's out

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Speaker 5: of the ordinary, right, but it's so important, and I

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Speaker 5: think a lot of people don't get that, Like, you

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Speaker 5: can do whatever you want if you understand money. I mean,

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Speaker 5: at that point, if you have the income and you

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Speaker 5: have the resources to support it. Then you know you

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Speaker 5: have nothing holding you.

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Speaker 1: Back, all right, and you wish so much that you

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Speaker 1: had known it when you were younger. What are some

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Speaker 1: of the Well I kind of know the answer this

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Speaker 1: question already, And in fact, the party re story that

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Speaker 1: I love the most is similar to Tiffany's story and

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Speaker 1: how she started, which Tiffany talked about for people again,

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Speaker 1: of course, sort of your story and how you I

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Speaker 1: don't know what you call a business scam? What happened

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Speaker 1: to you earlier?

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Speaker 3: Yeah, a scam? So a quote unquote air quotes. I

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Speaker 3: know a friend of mine, but that's okay because he's

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Speaker 3: in jail now.

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Speaker 2: Hey, jail friend.

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Speaker 4: Oh wow, So it.

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Speaker 2: Was a scam.

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Speaker 3: I was in my twenties, and that's back when you

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Speaker 3: believe that when people look like they have money, they

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Speaker 3: have money. Yeah, and so I wanted. I was a

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Speaker 3: preschool teacher. I was really good at saving, really good

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Speaker 3: at budgeting. I saved like half my income every year,

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Speaker 3: and I bought a condo when I was twenty five.

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Speaker 3: I was what I called financially perfect, right, so great

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Speaker 3: credit score savings. But I honestly, my father was a

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Speaker 3: CFO in, an accountant of a small nonprofit. So I

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Speaker 3: grew up with financial education, so I was just doing

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Speaker 3: what he told me to do. I was not I

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Speaker 3: didn't have any real knowledge. I was just like, well,

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Speaker 3: what do I do next? You know, like the dutiful,

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Speaker 3: you know, immigrant second first generation daughter, right right. And

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Speaker 3: then one day I said, I'm going to take it

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Speaker 3: into my own hands, and I reached out to a

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Speaker 3: friend who I thought was wealthy, and he subsequently scanned

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Speaker 3: me and it left me thirty five thousand dollars in

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Speaker 3: credit card debt, in which I never had yes credit

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Speaker 3: card debt before. I didn't even tell my parents until

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Speaker 3: literally years later into my thirties.

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Speaker 5: Wow.

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Speaker 2: I was so like.

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Speaker 3: Afraid, you know, and ashamed honestly. So yeah, that was

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Speaker 3: what triggered. So as I was digging my way out

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Speaker 3: other friends, it happened right before and really right during

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Speaker 3: the two thousand and eight two thousand and nine WE sessions.

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Speaker 2: So it was like the worst luck.

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Speaker 3: So I lost my job, I have to scam, now

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Speaker 3: I'm going to foreclosure. It was everything that could go

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Speaker 3: wrong went wrong. But as I was fixing myself, I

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Speaker 3: realized that there were other people that were struggling too,

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Speaker 3: so the teacher in me was like, well, Tiffany, you teach,

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Speaker 3: why not just help your friends? And then they brought

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Speaker 3: their friends and they brought their friends. So that was

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Speaker 3: like the advent of the budgetista my business. And Mandy said,

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Speaker 3: you experienced like a scam that kind of triggered your

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Speaker 3: journey to financial education.

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Speaker 4: Yeah, well, well, first off, that sucks.

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Speaker 5: I you know, stories like that are always you know,

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Speaker 5: it's great that you had that entrepreneurial mindset where it's

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Speaker 5: just like, you know, what do I do about this?

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Speaker 5: Instead of complaining about it, doing something about this, So

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Speaker 5: props to you. That's that was amazing for me. It

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Speaker 5: was actually very similar. I've always been that entrepreneur person

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Speaker 5: too and kind of didn't really have much guidance, never

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Speaker 5: really had someone to talk to about entrepreneurship or money

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Speaker 5: management or investing. And I had this sock business that

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Speaker 5: I started and I was getting ready to launch it,

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Speaker 5: and this marketing company came up to me and they

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Speaker 5: were like, hey, let us handle your marketing and we're

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00:19:58,680 --> 00:20:00,680
Speaker 5: going to get you all the sales, all the marketing,

440
00:20:01,080 --> 00:20:03,560
Speaker 5: and we guarantee you're going to see all the success

441
00:20:03,560 --> 00:20:05,560
Speaker 5: and if you don't, we will give you all your

442
00:20:05,560 --> 00:20:08,639
Speaker 5: money back. So I was skeptical, naturally, but you know,

443
00:20:08,680 --> 00:20:11,600
Speaker 5: this kind of money back guarantee was reassuring. So I

444
00:20:11,640 --> 00:20:13,439
Speaker 5: was like, all right, you know what do I get

445
00:20:13,520 --> 00:20:16,359
Speaker 5: to lose? So I handed these guys a lot of money.

446
00:20:16,440 --> 00:20:18,200
Speaker 5: It wasn't thirty five thousand dollars, but it was a

447
00:20:18,240 --> 00:20:21,520
Speaker 5: lot of money to me at the time. And the

448
00:20:21,600 --> 00:20:23,240
Speaker 5: day after I sent them the money, I was in

449
00:20:23,320 --> 00:20:26,439
Speaker 5: the gym and I remember this because I was I

450
00:20:26,480 --> 00:20:28,760
Speaker 5: really like working out. I'm a big gym person, and

451
00:20:28,880 --> 00:20:30,639
Speaker 5: so I started to kind of get this weird feeling

452
00:20:30,640 --> 00:20:32,480
Speaker 5: in my stomach as I was doing the chest fly,

453
00:20:33,160 --> 00:20:34,960
Speaker 5: and I was like, I don't know, something just doesn't

454
00:20:34,960 --> 00:20:36,680
Speaker 5: feel right in me. So I called up the guy

455
00:20:36,720 --> 00:20:39,480
Speaker 5: that I gave the money to, like twenty four hours later,

456
00:20:40,080 --> 00:20:42,040
Speaker 5: and I was like, hey, man, I know that I

457
00:20:42,040 --> 00:20:44,280
Speaker 5: said that you guys would do the marketing, but you know,

458
00:20:44,680 --> 00:20:46,960
Speaker 5: let's just cancel it right now before you guys actually

459
00:20:47,000 --> 00:20:48,960
Speaker 5: spend any money on advertising and marketing.

460
00:20:49,200 --> 00:20:50,240
Speaker 4: I want to do a refund.

461
00:20:50,240 --> 00:20:51,879
Speaker 5: I want to do it all myself, So let's just

462
00:20:51,960 --> 00:20:53,640
Speaker 5: end it before you guys spend any money that way.

463
00:20:53,920 --> 00:20:55,919
Speaker 5: You know, no hard feelings let's just kind of move on.

464
00:20:56,200 --> 00:20:57,920
Speaker 5: So he was like, all right, no problem. He puts

465
00:20:57,920 --> 00:21:00,600
Speaker 5: me on hold, and I was getting really ititated because

466
00:21:00,640 --> 00:21:03,320
Speaker 5: you know, I'm it's just like delaying my workout. This

467
00:21:03,359 --> 00:21:05,640
Speaker 5: has taken a lot longer than expected because I'm I'm

468
00:21:05,680 --> 00:21:09,080
Speaker 5: on hold for like a long time now, and eventually

469
00:21:09,200 --> 00:21:13,840
Speaker 5: the phone just goes beep beep, beep be So I

470
00:21:13,880 --> 00:21:15,879
Speaker 5: was like, yeah, something's wrong. So I called up the

471
00:21:15,880 --> 00:21:19,280
Speaker 5: other two numbers that I had. Nobody picks up, nobody

472
00:21:19,280 --> 00:21:21,920
Speaker 5: emails me, no one responds to me. Everyone stops responding

473
00:21:21,960 --> 00:21:24,520
Speaker 5: to every single message that I have. So I contact

474
00:21:24,560 --> 00:21:27,600
Speaker 5: an attorney and I found out I was scammed. So

475
00:21:28,040 --> 00:21:29,640
Speaker 5: I was like, all right, what do I do now?

476
00:21:29,840 --> 00:21:31,840
Speaker 5: You know, I launched the business. We had an amazing launch.

477
00:21:32,560 --> 00:21:34,879
Speaker 5: We did, like I forgot. There was like twenty some

478
00:21:34,960 --> 00:21:36,919
Speaker 5: thousand dollars in the first month of pre sales of

479
00:21:36,920 --> 00:21:39,840
Speaker 5: our socc business. But I still had that feeling like,

480
00:21:39,920 --> 00:21:41,800
Speaker 5: you know, that sucks, Like there's a lot of honest

481
00:21:41,880 --> 00:21:45,080
Speaker 5: entrepreneurs out there trying to do something, trying to understand

482
00:21:45,160 --> 00:21:48,320
Speaker 5: kind of how to take care of themselves, but don't

483
00:21:48,320 --> 00:21:52,239
Speaker 5: necessarily know everything. So you're more susceptible to scams and

484
00:21:52,280 --> 00:21:53,439
Speaker 5: getting screwed over like this.

485
00:21:54,359 --> 00:21:55,639
Speaker 4: So I was like, you know, what can I do?

486
00:21:56,080 --> 00:21:59,199
Speaker 5: So I went on you Demi, and I put out

487
00:21:59,240 --> 00:22:01,080
Speaker 5: this course and how to launch of business without getting

488
00:22:01,119 --> 00:22:03,280
Speaker 5: screwed over, and I called it the Minority Mindset because

489
00:22:03,359 --> 00:22:06,280
Speaker 5: at that time, I was like, you know, entrepreneurship is

490
00:22:06,280 --> 00:22:08,280
Speaker 5: all about the minority mindset, is thinking different than the

491
00:22:08,320 --> 00:22:12,280
Speaker 5: majority people. And we had all this traction, We had

492
00:22:12,280 --> 00:22:13,920
Speaker 5: all these students sign up for it and we're loving it.

493
00:22:13,960 --> 00:22:15,720
Speaker 5: And they were like, hey, just breath. You should go

494
00:22:15,760 --> 00:22:17,879
Speaker 5: on social media. And I was like, all right, and

495
00:22:17,880 --> 00:22:20,280
Speaker 5: I don't know too much about digital marketing or anything

496
00:22:20,320 --> 00:22:22,840
Speaker 5: at the time, So I created an Instagram page called

497
00:22:22,880 --> 00:22:26,040
Speaker 5: Minority Mindset where I just started posting quotes and kind

498
00:22:26,080 --> 00:22:29,080
Speaker 5: of just random tips about money management and starting a business.

499
00:22:29,680 --> 00:22:32,120
Speaker 5: And then I had a lot of comments and messages

500
00:22:32,160 --> 00:22:34,119
Speaker 5: from people saying, hey, you should start a blog or

501
00:22:34,160 --> 00:22:37,159
Speaker 5: you should start a podcast, and I was like, I

502
00:22:37,160 --> 00:22:39,760
Speaker 5: can't start a blog. English is my second language. I

503
00:22:39,800 --> 00:22:43,560
Speaker 5: suck at writing, so no, that's not going to happen. Podcasting.

504
00:22:43,560 --> 00:22:45,879
Speaker 5: I don't even know what a podcast was, So I

505
00:22:45,920 --> 00:22:48,200
Speaker 5: was like, yeah, I can't do that. But I do

506
00:22:48,280 --> 00:22:50,200
Speaker 5: like YouTube, and I see a lot of people on YouTube.

507
00:22:50,240 --> 00:22:52,399
Speaker 5: I like watching YouTube. Maybe I can make YouTube videos.

508
00:22:52,400 --> 00:22:55,200
Speaker 5: I know how to talk. So I started making videos

509
00:22:55,320 --> 00:22:57,960
Speaker 5: under the title Minority Mindset, where I just talked about

510
00:22:57,960 --> 00:22:59,720
Speaker 5: things that I wish I knew when I was younger.

511
00:23:00,000 --> 00:23:04,119
Speaker 5: I talked about money management, talked about entrepreneurship. And slowly

512
00:23:04,680 --> 00:23:07,080
Speaker 5: this started to grow, and you know, a year and

513
00:23:07,119 --> 00:23:09,720
Speaker 5: a half or so, a couple of years later, we

514
00:23:10,240 --> 00:23:13,560
Speaker 5: had grown to over one hundred thousand subscribers. And now

515
00:23:13,600 --> 00:23:15,879
Speaker 5: all of a sudden, we were building a brand. And

516
00:23:15,880 --> 00:23:17,800
Speaker 5: I don't even know that that's what I was doing.

517
00:23:17,840 --> 00:23:19,600
Speaker 5: I was just this is something that I was doing

518
00:23:19,640 --> 00:23:21,920
Speaker 5: as a hobby, just because I was so kind of hurt.

519
00:23:21,680 --> 00:23:25,400
Speaker 4: By the scam, and now this is what I do.

520
00:23:26,680 --> 00:23:27,480
Speaker 2: That's yeah.

521
00:23:27,520 --> 00:23:29,760
Speaker 1: At the time, I mean, how were you what was

522
00:23:29,800 --> 00:23:32,280
Speaker 1: your source of income then? And then when did you realize, Okay,

523
00:23:32,280 --> 00:23:34,840
Speaker 1: I can really sustain myself with the minority mindset.

524
00:23:35,320 --> 00:23:38,040
Speaker 5: So when I started a Minority Mindset when I was

525
00:23:38,080 --> 00:23:39,920
Speaker 5: in law school. Actually, so I was in law school,

526
00:23:39,920 --> 00:23:41,280
Speaker 5: I was doing the soccer business, and I was doing

527
00:23:41,280 --> 00:23:42,280
Speaker 5: a lot of stuff in real estate.

528
00:23:42,359 --> 00:23:43,640
Speaker 4: So I was a real estate investor.

529
00:23:44,200 --> 00:23:45,520
Speaker 5: I used to do real estate whole stale, I think,

530
00:23:45,520 --> 00:23:47,560
Speaker 5: and I was a real estate salesperson, so I was

531
00:23:47,640 --> 00:23:49,280
Speaker 5: kind of doing a whole bunch of things at once.

532
00:23:50,280 --> 00:23:55,680
Speaker 5: And the kind of fork I ran into was right

533
00:23:55,720 --> 00:23:57,520
Speaker 5: around the one hundred thousand subscriber mark.

534
00:23:57,560 --> 00:23:59,600
Speaker 4: With Minority Mindset, we weren't making a lot of money,

535
00:24:00,119 --> 00:24:01,000
Speaker 4: but it was.

536
00:24:01,640 --> 00:24:03,920
Speaker 5: It was kind of a weird situation because the sock

537
00:24:04,040 --> 00:24:07,040
Speaker 5: business I had was making decent money. It was making

538
00:24:07,080 --> 00:24:09,400
Speaker 5: a we were we were, you know, a solid business.

539
00:24:10,119 --> 00:24:13,119
Speaker 5: But the problem was it was a special kind of

540
00:24:13,200 --> 00:24:16,200
Speaker 5: athletic sock that I had created, but our patent was denied.

541
00:24:16,640 --> 00:24:18,399
Speaker 5: So I had to kind of decide, Okay, do I

542
00:24:18,440 --> 00:24:20,679
Speaker 5: want to go the route of building a sock brand

543
00:24:21,200 --> 00:24:23,880
Speaker 5: where you know, I love starting a business, but I'm

544
00:24:23,880 --> 00:24:26,119
Speaker 5: not so passionate about socks. I really wanted to license

545
00:24:26,119 --> 00:24:29,480
Speaker 5: the technology, but that wasn't really going to work because

546
00:24:29,520 --> 00:24:32,240
Speaker 5: we didn't get approved for this patent. But Minority Mindset

547
00:24:32,520 --> 00:24:35,120
Speaker 5: I had a real passion for. Like I loved teaching,

548
00:24:35,160 --> 00:24:38,760
Speaker 5: I love money management. I loved talking about entrepreneurship and

549
00:24:38,960 --> 00:24:41,240
Speaker 5: financial education. This is like something I really really enjoy

550
00:24:41,320 --> 00:24:42,919
Speaker 5: doing because this is something I wish I knew when

551
00:24:42,960 --> 00:24:45,040
Speaker 5: I was growing up, but we weren't making that much money.

552
00:24:45,880 --> 00:24:48,440
Speaker 5: So I decided to go all in with the minority

553
00:24:48,440 --> 00:24:50,840
Speaker 5: mindset just because, you know, I was like, this is

554
00:24:50,840 --> 00:24:52,560
Speaker 5: something that I would love to do for the rest

555
00:24:52,560 --> 00:24:54,320
Speaker 5: of my life. I don't really know what I was

556
00:24:54,359 --> 00:24:56,399
Speaker 5: going to do with it, but that's the direction that

557
00:24:56,440 --> 00:24:59,639
Speaker 5: I went. So, you know, I had luckily, I had

558
00:24:59,680 --> 00:25:02,040
Speaker 5: REALI investments. I was doing real estate and and the

559
00:25:02,080 --> 00:25:04,000
Speaker 5: SoC business was making money at the time. So then

560
00:25:04,000 --> 00:25:06,080
Speaker 5: I kind of transferred over to minority mindset, not knowing

561
00:25:06,119 --> 00:25:07,879
Speaker 5: what was going to happen. But I was also in

562
00:25:07,960 --> 00:25:11,000
Speaker 5: law school, so I had very little expenses when I

563
00:25:11,040 --> 00:25:14,159
Speaker 5: was starting off, and then it grew from there and

564
00:25:14,240 --> 00:25:16,920
Speaker 5: now we are. We kind of transformed into a financial

565
00:25:16,920 --> 00:25:19,880
Speaker 5: media company where we do financial news and financial education

566
00:25:20,560 --> 00:25:22,639
Speaker 5: and yeah, so that's how it kind of grew.

567
00:25:23,400 --> 00:25:25,560
Speaker 1: I would so I can't get the socks, it's what you're.

568
00:25:25,400 --> 00:25:28,120
Speaker 4: Saying, Yeah, we stopped selling the socks.

569
00:25:28,359 --> 00:25:31,080
Speaker 3: Well, I'm curious as a business owner, I'm curious, like

570
00:25:31,160 --> 00:25:33,680
Speaker 3: what are yours for the for the minority mindset, Like

571
00:25:33,720 --> 00:25:36,280
Speaker 3: what are your streams of income? Like we're and then

572
00:25:36,880 --> 00:25:39,199
Speaker 3: of the of your streams of income, what's bringing in

573
00:25:39,240 --> 00:25:39,639
Speaker 3: the most.

574
00:25:39,800 --> 00:25:42,280
Speaker 1: Yeah, we get real personal here. We shoulders and stuff

575
00:25:42,480 --> 00:25:42,919
Speaker 1: I want to know.

576
00:25:43,119 --> 00:25:46,639
Speaker 5: We have absolutely so, so most of our income, I

577
00:25:46,640 --> 00:25:49,800
Speaker 5: would say eighty percent of our income comes from other

578
00:25:49,880 --> 00:25:54,960
Speaker 5: brands and sponsors and advertisers. So what I mean by

579
00:25:54,960 --> 00:25:57,520
Speaker 5: that is, so we have kind of a few different channels.

580
00:25:57,800 --> 00:26:00,000
Speaker 5: We could say kind of two phases to our company.

581
00:26:00,119 --> 00:26:03,400
Speaker 5: We have a financial news division and a financial education division.

582
00:26:03,880 --> 00:26:07,000
Speaker 5: The news division is our daily financial news that are

583
00:26:07,520 --> 00:26:09,720
Speaker 5: where we just kind of come over what's going on

584
00:26:09,760 --> 00:26:13,040
Speaker 5: in the financial news. The education side is a mix

585
00:26:13,080 --> 00:26:16,240
Speaker 5: of our website and then social media and YouTube.

586
00:26:17,000 --> 00:26:18,400
Speaker 4: So eighty percent of our.

587
00:26:18,280 --> 00:26:23,280
Speaker 5: Revenue comes from our brand partners and sponsors. So these

588
00:26:23,280 --> 00:26:24,360
Speaker 5: are companies.

589
00:26:23,960 --> 00:26:24,560
Speaker 4: That we work with.

590
00:26:24,600 --> 00:26:27,800
Speaker 5: So we do a lot of education of how to

591
00:26:27,880 --> 00:26:31,840
Speaker 5: use your money and also financial products. So we talk

592
00:26:31,880 --> 00:26:36,000
Speaker 5: about things like mortgage refinancing, or we talk about stock brokerages,

593
00:26:36,080 --> 00:26:38,400
Speaker 5: or we talk about life insurance, or we talk about

594
00:26:38,400 --> 00:26:42,200
Speaker 5: credit cards. So we have partnerships with companies in all

595
00:26:42,240 --> 00:26:47,840
Speaker 5: of these kind of services and that's how we drive

596
00:26:47,880 --> 00:26:50,359
Speaker 5: revenue from there. And then on the education side, we

597
00:26:50,400 --> 00:26:53,320
Speaker 5: do have a couple of courses that we sell as well.

598
00:26:53,320 --> 00:26:55,800
Speaker 5: But though that's kind of like something that's in the

599
00:26:55,840 --> 00:26:58,639
Speaker 5: back burner, not really the back burner, but that's like

600
00:26:58,680 --> 00:26:59,680
Speaker 5: a smaller part of our business.

601
00:26:59,680 --> 00:27:01,280
Speaker 4: That's twenty percent of our revenue.

602
00:27:01,840 --> 00:27:04,240
Speaker 1: Okay, I feel like you and Teffany need to talk.

603
00:27:04,359 --> 00:27:05,720
Speaker 2: Yeah, because it's literally.

604
00:27:05,640 --> 00:27:07,560
Speaker 1: The Literature Academy is a major and I feel like

605
00:27:07,600 --> 00:27:08,679
Speaker 1: we need a minority mindset.

606
00:27:09,119 --> 00:27:11,960
Speaker 3: It's the opposite for me, like our educational I have

607
00:27:11,960 --> 00:27:15,000
Speaker 3: an online school that makes eighty percent of the income,

608
00:27:15,040 --> 00:27:18,280
Speaker 3: and then my partnerships and affiliate marketing and things like

609
00:27:18,320 --> 00:27:21,200
Speaker 3: that that's about twenty percent. But I made that kind

610
00:27:21,200 --> 00:27:25,760
Speaker 3: of intentional because the Budgetista, which is my original brand,

611
00:27:26,520 --> 00:27:31,240
Speaker 3: is I didn't want to. I didn't want it relies

612
00:27:31,280 --> 00:27:33,879
Speaker 3: so heavily on me being me, which is cool, but

613
00:27:33,960 --> 00:27:35,800
Speaker 3: I didn't. I was thinking, like ten twenty years from

614
00:27:35,800 --> 00:27:38,199
Speaker 3: now when I want to be like, you know, not

615
00:27:38,920 --> 00:27:41,080
Speaker 3: the face of the business. Then what So I started

616
00:27:41,080 --> 00:27:43,720
Speaker 3: an online school that you know that I used my

617
00:27:43,760 --> 00:27:47,199
Speaker 3: Budgetista brand to drive to my Liberature Academy, and so

618
00:27:47,320 --> 00:27:50,240
Speaker 3: that makes a good amount of mind. We just actually hit,

619
00:27:50,320 --> 00:27:53,040
Speaker 3: We're we just hit this year our first seven figure

620
00:27:53,080 --> 00:27:55,439
Speaker 3: month also, so yeah, it's crazy.

621
00:27:55,480 --> 00:27:56,919
Speaker 2: I'm like, I used to be a preschool teacher. Now

622
00:27:56,920 --> 00:27:58,959
Speaker 2: of course my parents are like, yeah, I do it

623
00:27:59,080 --> 00:28:01,120
Speaker 2: so good. I'm so proud of you.

624
00:28:01,200 --> 00:28:04,120
Speaker 3: I'm like, oh really, because five years ago you were like.

625
00:28:04,240 --> 00:28:06,640
Speaker 2: Wait, it is your job Odoci, that's my African name.

626
00:28:07,000 --> 00:28:09,920
Speaker 4: Yeah. Yeah, we need to talk after the call.

627
00:28:10,160 --> 00:28:12,800
Speaker 3: Yes, we do because I think that Yeah, I mean,

628
00:28:14,000 --> 00:28:15,639
Speaker 3: I think that what you guys are doing is amazing

629
00:28:15,680 --> 00:28:18,040
Speaker 3: because what I don't understand is how many people do

630
00:28:18,080 --> 00:28:20,919
Speaker 3: you have working for you? Because I'm honestly signed up

631
00:28:20,920 --> 00:28:23,480
Speaker 3: for everything. I just like, I read all the newsletters.

632
00:28:23,560 --> 00:28:27,080
Speaker 3: I was like, I can't believe he has this whole curriculum.

633
00:28:27,200 --> 00:28:28,879
Speaker 3: I signed up for the investment class, which I have

634
00:28:28,880 --> 00:28:31,280
Speaker 3: not taken. Well, I've done all like jsfree. I'm a

635
00:28:31,359 --> 00:28:33,200
Speaker 3: stand I'm holding it in. You have no idea.

636
00:28:33,240 --> 00:28:34,679
Speaker 2: I'm like, this is me.

637
00:28:34,880 --> 00:28:35,840
Speaker 1: Do you have the socks?

638
00:28:35,920 --> 00:28:37,159
Speaker 2: No, that's the only thing I'm missing.

639
00:28:37,960 --> 00:28:40,000
Speaker 5: I'll send you a parent might have a couple left over.

640
00:28:41,080 --> 00:28:43,040
Speaker 5: I'll send you one of the special edition ones.

641
00:28:43,560 --> 00:28:47,760
Speaker 2: So I guess the question is like, I know how much.

642
00:28:47,600 --> 00:28:50,840
Speaker 3: Work it takes, and like what size is your team?

643
00:28:50,920 --> 00:28:56,200
Speaker 3: Because the quality and the consistency of your content is unmatched.

644
00:28:56,600 --> 00:28:57,959
Speaker 3: So yeah, I would love to know a little bit

645
00:28:58,000 --> 00:28:59,680
Speaker 3: more about you, like your team and how does that work.

646
00:29:00,280 --> 00:29:03,120
Speaker 4: Yeah, so we're actually hiring a lot right now, so

647
00:29:03,160 --> 00:29:05,200
Speaker 4: we are we are about to be.

648
00:29:06,640 --> 00:29:10,200
Speaker 5: We have a mix of kind of our remote people,

649
00:29:10,560 --> 00:29:12,320
Speaker 5: we have some freelancers, and then we have our in

650
00:29:12,400 --> 00:29:16,320
Speaker 5: office team. So total, I would say we're something close

651
00:29:16,360 --> 00:29:19,760
Speaker 5: to thirty people something around there, So you know, it's

652
00:29:20,040 --> 00:29:22,200
Speaker 5: some more people are mixed. So some more people are

653
00:29:22,200 --> 00:29:24,920
Speaker 5: full time in the office, some more people are full

654
00:29:24,960 --> 00:29:29,560
Speaker 5: time remote, so it's kind of a bread blend in that.

655
00:29:29,640 --> 00:29:30,920
Speaker 5: I would say by the end of the year, we'll

656
00:29:30,960 --> 00:29:34,920
Speaker 5: have about ten people in the office perfectly that are

657
00:29:34,960 --> 00:29:37,600
Speaker 5: you know, always there. Then we have another twenty to

658
00:29:37,640 --> 00:29:41,680
Speaker 5: twenty five people, maybe thirty that are remote.

659
00:29:41,680 --> 00:29:42,560
Speaker 4: Fully.

660
00:29:44,720 --> 00:29:46,640
Speaker 1: It's interesting that you say that you know you're not

661
00:29:46,680 --> 00:29:49,640
Speaker 1: a good writer, because my favorite apart from your YouTube,

662
00:29:49,680 --> 00:29:52,120
Speaker 1: I love your newsletter in the mornings, man, So how

663
00:29:52,200 --> 00:29:53,000
Speaker 1: much of that is you?

664
00:29:54,200 --> 00:29:58,920
Speaker 5: So I would help with kind of coming up with

665
00:29:58,920 --> 00:30:03,680
Speaker 5: the content ideas. The writing is our awesome writers. I

666
00:30:03,720 --> 00:30:06,560
Speaker 5: am not involved with the writing much at all.

667
00:30:06,760 --> 00:30:07,760
Speaker 1: It's good to know your strength.

668
00:30:07,840 --> 00:30:10,200
Speaker 4: That's okay, Yeah, you don't want to read my writing

669
00:30:10,240 --> 00:30:12,280
Speaker 4: here writing. You want to know what is going on?

670
00:30:12,880 --> 00:30:14,400
Speaker 5: Is this got talking about the stock market or the

671
00:30:14,440 --> 00:30:16,680
Speaker 5: real estate market? I have no idea what he's talking about.

672
00:30:17,040 --> 00:30:19,480
Speaker 1: Well, you do such a great job, I mean talk,

673
00:30:19,600 --> 00:30:22,120
Speaker 1: you know, just it's a real talent to be able

674
00:30:22,160 --> 00:30:25,760
Speaker 1: to explain concepts without writing, like, without taking time to

675
00:30:25,760 --> 00:30:27,400
Speaker 1: think them through. I'm not that I'm saying your stuf

676
00:30:27,480 --> 00:30:29,240
Speaker 1: isn't thought through, but you know what I mean, like

677
00:30:29,240 --> 00:30:31,520
Speaker 1: to be able to vocalize these topics and make them truly,

678
00:30:32,360 --> 00:30:34,920
Speaker 1: you know, accessible to people, because, like you said, a

679
00:30:34,960 --> 00:30:37,360
Speaker 1: lot of people don't understand this. You have to approach it,

680
00:30:37,520 --> 00:30:40,600
Speaker 1: you know, from from the from the ground floor. Yeah,

681
00:30:40,640 --> 00:30:43,440
Speaker 1: but let's we talked a little bit about passive income.

682
00:30:43,520 --> 00:30:45,959
Speaker 1: You know, you have your real estate business. A lot

683
00:30:46,040 --> 00:30:48,360
Speaker 1: of people right now, this is this is tied together,

684
00:30:48,440 --> 00:30:51,360
Speaker 1: I promise. I want to first talk about your favorite

685
00:30:51,440 --> 00:30:54,560
Speaker 1: passive income strategies and then kind of talk about how

686
00:30:54,600 --> 00:30:56,760
Speaker 1: people are kind of using the stock market to create

687
00:30:56,840 --> 00:30:58,560
Speaker 1: some passive income which may or may not be the

688
00:30:58,560 --> 00:31:01,560
Speaker 1: best you know, idea for the majority of people. If

689
00:31:01,560 --> 00:31:03,480
Speaker 1: you can go back to that, you know, my minority

690
00:31:03,520 --> 00:31:08,160
Speaker 1: majority contradiction but yeah, talk about passive income streams what

691
00:31:09,040 --> 00:31:10,880
Speaker 1: you sort of have, what has worked for you, and

692
00:31:10,920 --> 00:31:12,960
Speaker 1: what you you know, think could work for others, and

693
00:31:13,000 --> 00:31:15,400
Speaker 1: then you know how how you would talk to folks

694
00:31:15,520 --> 00:31:17,480
Speaker 1: thinking about getting into the market these days.

695
00:31:17,800 --> 00:31:20,400
Speaker 5: So you know, I think the first thing is kind

696
00:31:20,400 --> 00:31:22,360
Speaker 5: of defining what passive income is, because I think a

697
00:31:22,360 --> 00:31:25,560
Speaker 5: lot of people have a misconception as to passive income. Like,

698
00:31:25,640 --> 00:31:28,680
Speaker 5: for example, there's a lot of ads out there like, oh,

699
00:31:28,720 --> 00:31:31,320
Speaker 5: start this online store. It is completely passive, even though

700
00:31:31,360 --> 00:31:33,560
Speaker 5: you have to manage it for five hours every single day.

701
00:31:33,840 --> 00:31:36,120
Speaker 4: So I don't consider that passive income.

702
00:31:36,160 --> 00:31:37,800
Speaker 5: When I think of passive income, I think of my

703
00:31:37,840 --> 00:31:41,320
Speaker 5: real estate investments where I own a house or an

704
00:31:41,320 --> 00:31:45,760
Speaker 5: apartment complex. I do the renovation, I get it fully

705
00:31:45,760 --> 00:31:48,040
Speaker 5: rent ready, and then I hand over the keys to

706
00:31:48,400 --> 00:31:52,160
Speaker 5: my property management company. And after that I let them

707
00:31:52,240 --> 00:31:55,200
Speaker 5: take care of the entire property, all tenant management, all

708
00:31:55,200 --> 00:31:58,480
Speaker 5: tenant relations, everything agency. And then I just kind of

709
00:31:58,560 --> 00:32:02,880
Speaker 5: every month I look at our statements, so I look at,

710
00:32:03,000 --> 00:32:04,600
Speaker 5: you know, how much rent do we receive, what was

711
00:32:04,600 --> 00:32:07,640
Speaker 5: the maintenance requests and everything kind of in between. That's

712
00:32:07,640 --> 00:32:10,560
Speaker 5: what I call passive income. So for me, my favorite

713
00:32:10,600 --> 00:32:12,840
Speaker 5: is real estate. I love real estate investing. That is

714
00:32:12,920 --> 00:32:16,640
Speaker 5: kind of like my number one favorite place to invest.

715
00:32:17,080 --> 00:32:20,120
Speaker 5: But you know, real estate investing is not for everybody.

716
00:32:20,440 --> 00:32:25,680
Speaker 5: You need to understand how real estate investing works. It

717
00:32:25,720 --> 00:32:29,360
Speaker 5: takes a learning curve and not everybody wants to go

718
00:32:29,440 --> 00:32:31,200
Speaker 5: through that. You know, you have to kind of go

719
00:32:31,320 --> 00:32:33,240
Speaker 5: through your bad tenants, you have to go through the

720
00:32:33,280 --> 00:32:35,360
Speaker 5: bad properties. You know, I went through that myself, and

721
00:32:35,480 --> 00:32:37,960
Speaker 5: it sucks. It's painful, it's not fun to lose money.

722
00:32:38,200 --> 00:32:40,560
Speaker 5: And with real estate there's there's more capital involved. It's

723
00:32:40,600 --> 00:32:43,040
Speaker 5: a lot harder to start real estate investing, especially owning

724
00:32:43,080 --> 00:32:45,840
Speaker 5: physical real estate with one hundred dollars or a thousand dollars.

725
00:32:45,880 --> 00:32:48,600
Speaker 5: You know, you need more capital and more time involved

726
00:32:48,640 --> 00:32:50,760
Speaker 5: to get to that passive income point. So you need

727
00:32:50,800 --> 00:32:52,680
Speaker 5: to spend that time at the beginning to get through

728
00:32:52,800 --> 00:32:56,760
Speaker 5: real passive income. Now, if we're talking about a more

729
00:32:57,080 --> 00:32:59,360
Speaker 5: passive passive income where you don't really have to do

730
00:32:59,520 --> 00:33:03,520
Speaker 5: much work at all, then the stock market does have

731
00:33:03,560 --> 00:33:08,520
Speaker 5: a lot of opportunities there through dividends and dividend paying stocks,

732
00:33:08,520 --> 00:33:11,880
Speaker 5: but you have to be kind of aware of what

733
00:33:11,920 --> 00:33:14,840
Speaker 5: type of returns you can expect because I think sometimes

734
00:33:14,840 --> 00:33:17,320
Speaker 5: people think, oh, okay, if I invest one thousand dollars,

735
00:33:17,560 --> 00:33:20,160
Speaker 5: I should be making one thousand dollars a year in

736
00:33:20,200 --> 00:33:22,840
Speaker 5: my passive income. But it doesn't really work like that, right, Like,

737
00:33:22,840 --> 00:33:25,000
Speaker 5: if you invest in the stock market, you should be

738
00:33:25,080 --> 00:33:30,480
Speaker 5: expecting three to five percent a year on your capital investments.

739
00:33:30,560 --> 00:33:33,080
Speaker 5: So that's you know, if you invest one hundred dollars

740
00:33:33,120 --> 00:33:36,160
Speaker 5: at three to five dollars a year for your investment

741
00:33:37,040 --> 00:33:39,960
Speaker 5: through your dividends, and there's a lot of easy ways

742
00:33:39,960 --> 00:33:42,760
Speaker 5: to do that. You can completely automate this. So you

743
00:33:42,840 --> 00:33:45,280
Speaker 5: just take whatever funds you have and every month or

744
00:33:45,320 --> 00:33:50,720
Speaker 5: every week it automatically gets invested into whatever stocks or

745
00:33:50,720 --> 00:33:52,200
Speaker 5: ETFs or funds you want.

746
00:33:53,200 --> 00:33:55,000
Speaker 4: And then when you get.

747
00:33:54,840 --> 00:33:57,000
Speaker 5: The dividends, it is your choice now whether you want

748
00:33:57,000 --> 00:34:00,200
Speaker 5: to reinvest them back into the stocks or ETFs where

749
00:34:00,200 --> 00:34:02,440
Speaker 5: you kind of compounding your investments, or do you want

750
00:34:02,440 --> 00:34:06,040
Speaker 5: to pull it out and keep this money for yourself

751
00:34:06,040 --> 00:34:07,920
Speaker 5: and you know, use it to improve your lifestyle. The

752
00:34:08,000 --> 00:34:10,480
Speaker 5: thing about passive income, especially in the stock market like

753
00:34:10,520 --> 00:34:13,719
Speaker 5: this is it is a long term game. If you're

754
00:34:13,719 --> 00:34:15,960
Speaker 5: getting three to five percent a year, you need to

755
00:34:16,000 --> 00:34:18,120
Speaker 5: compound that money. You need to keep adding that money

756
00:34:18,160 --> 00:34:23,400
Speaker 5: into your stocks and ETFs because what happens is in

757
00:34:23,440 --> 00:34:27,440
Speaker 5: a good market, stock prices will go up, so you

758
00:34:27,440 --> 00:34:30,160
Speaker 5: know your your stock value, your investment value is going up.

759
00:34:30,200 --> 00:34:32,799
Speaker 5: But at the same time, companies, if they're growing, they're

760
00:34:32,840 --> 00:34:35,120
Speaker 5: going to increase the amount of dividend that they're paying.

761
00:34:35,640 --> 00:34:38,040
Speaker 5: So right now you might only be getting a three

762
00:34:38,040 --> 00:34:41,120
Speaker 5: percent dividend on your money, but in five or ten years,

763
00:34:41,760 --> 00:34:43,920
Speaker 5: they might double the amount of dividend that they're paying out.

764
00:34:43,960 --> 00:34:46,359
Speaker 5: So what went from a three percent dividend is now

765
00:34:46,360 --> 00:34:49,200
Speaker 5: a six percent dividend, So it really starts to grow

766
00:34:49,200 --> 00:34:51,360
Speaker 5: and compound. And if you keep reinvesting that money, the

767
00:34:51,360 --> 00:34:53,359
Speaker 5: amount of money you'd be making through this passive income

768
00:34:53,400 --> 00:34:56,360
Speaker 5: and dividends keeps growing slowly, slowly, slowly. So it's like

769
00:34:56,719 --> 00:34:58,360
Speaker 5: kind of like the snowball that a lot of people

770
00:34:58,360 --> 00:35:00,560
Speaker 5: talk about. You you've got to build us no ball,

771
00:35:00,600 --> 00:35:02,560
Speaker 5: and at the beginning it's really slow, it's really hard,

772
00:35:02,600 --> 00:35:04,680
Speaker 5: But as you keep going and as you stick with

773
00:35:04,719 --> 00:35:05,600
Speaker 5: it, it will get bigger.

774
00:35:05,880 --> 00:35:08,520
Speaker 1: Can you explain for folks who may have just blanked

775
00:35:08,560 --> 00:35:10,560
Speaker 1: out when you said the word dividend, because they may

776
00:35:10,600 --> 00:35:12,120
Speaker 1: not even know what a dividend is I mean, it's

777
00:35:12,200 --> 00:35:14,920
Speaker 1: just it's a piece of the profits that a company

778
00:35:14,920 --> 00:35:16,640
Speaker 1: will give you for investing in their stock. Right, how

779
00:35:16,640 --> 00:35:17,520
Speaker 1: would you break it down?

780
00:35:17,719 --> 00:35:20,800
Speaker 5: Yeah, so I the way I like to explain dividends

781
00:35:20,800 --> 00:35:23,320
Speaker 5: is think about like a thank you check from companies.

782
00:35:23,360 --> 00:35:26,640
Speaker 5: So some companies, let's talk about McDonald's. Some companies like

783
00:35:26,719 --> 00:35:29,000
Speaker 5: McDonald's make a lot of money, and at the end

784
00:35:29,040 --> 00:35:30,960
Speaker 5: of the year, they have a whole bunch of cash

785
00:35:31,000 --> 00:35:34,279
Speaker 5: in their bank account. And there's three things that a

786
00:35:34,320 --> 00:35:36,759
Speaker 5: company can do with it's extra cash. They can save

787
00:35:36,800 --> 00:35:39,759
Speaker 5: it for emergencies. They can reinvest this money back into

788
00:35:39,760 --> 00:35:42,799
Speaker 5: their company, or they can give this away literally give

789
00:35:42,800 --> 00:35:45,680
Speaker 5: it away to their owners and shareholders, investors people like

790
00:35:45,719 --> 00:35:48,239
Speaker 5: you and me for owning the stock. So if you

791
00:35:48,280 --> 00:35:51,000
Speaker 5: go out and you buy a share of McDonald's, McDonald's

792
00:35:51,000 --> 00:35:52,920
Speaker 5: will literally send you a check. They'll send you a

793
00:35:52,920 --> 00:35:55,880
Speaker 5: few dollars every single year just because you own the

794
00:35:55,920 --> 00:35:58,200
Speaker 5: McDonald's stock. You don't have to go on flip burgers

795
00:35:58,280 --> 00:36:01,440
Speaker 5: or do anything. You're getting this cash just for owning

796
00:36:01,560 --> 00:36:02,320
Speaker 5: that investment.

797
00:36:02,840 --> 00:36:03,719
Speaker 2: I love that explanation.

798
00:36:03,800 --> 00:36:05,080
Speaker 3: I just saw that in one of your videos that

799
00:36:05,120 --> 00:36:07,080
Speaker 3: you explained that was like he's doing the video, I.

800
00:36:07,040 --> 00:36:08,520
Speaker 2: Feel like I'm watching your YouTube video.

801
00:36:10,040 --> 00:36:11,840
Speaker 4: Yeah, it's the same.

802
00:36:11,719 --> 00:36:14,560
Speaker 1: Really safe. Yeah. I mean this past week has been

803
00:36:14,640 --> 00:36:16,480
Speaker 1: I don't know this past summer. I mean, I just

804
00:36:16,480 --> 00:36:19,160
Speaker 1: feel like everyone at home through this COVID crisis is

805
00:36:19,200 --> 00:36:21,160
Speaker 1: bizarre time they were at in our country right now,

806
00:36:21,719 --> 00:36:23,640
Speaker 1: and it's good for people like us who are in

807
00:36:23,680 --> 00:36:26,719
Speaker 1: the business of teaching financial education, because folks are really

808
00:36:26,800 --> 00:36:29,960
Speaker 1: hungry for right now. But I'm worried because, like my

809
00:36:30,040 --> 00:36:33,000
Speaker 1: friends and family who really haven't been into financial anything

810
00:36:33,239 --> 00:36:35,239
Speaker 1: until you know, COVID kind of hit and they have

811
00:36:35,280 --> 00:36:37,360
Speaker 1: all this free time. People are coming to me like

812
00:36:37,360 --> 00:36:39,560
Speaker 1: should I invest in herds? What do you think about

813
00:36:39,560 --> 00:36:42,400
Speaker 1: the Tesla stock split? I mean, last week my husband

814
00:36:42,440 --> 00:36:45,200
Speaker 1: puts listen, Okay, like I said, I like to I

815
00:36:45,280 --> 00:36:47,120
Speaker 1: have some money that I play around with that I'm

816
00:36:47,280 --> 00:36:48,800
Speaker 1: not afraid to lose, you know. I just have a

817
00:36:48,800 --> 00:36:50,880
Speaker 1: little bit set aside, so I can I can just

818
00:36:50,920 --> 00:36:53,239
Speaker 1: prove to myself, honestly, what a terrible stock picker I am,

819
00:36:53,320 --> 00:36:55,359
Speaker 1: which is what it's been like for the past five

820
00:36:55,400 --> 00:36:57,960
Speaker 1: to ten years I've been doing it. But anyway, so

821
00:36:58,000 --> 00:36:59,680
Speaker 1: my husband's got a little bit of money, and you

822
00:36:59,719 --> 00:37:01,640
Speaker 1: know that he could invest, and he chose to invest

823
00:37:01,640 --> 00:37:03,760
Speaker 1: in some TESL stock last week after the stock split,

824
00:37:04,080 --> 00:37:06,040
Speaker 1: and of course he bought when it was really high,

825
00:37:06,200 --> 00:37:07,600
Speaker 1: and by the end of the week it had tanked

826
00:37:07,600 --> 00:37:09,439
Speaker 1: and he's like, what's going on in to just sell

827
00:37:09,440 --> 00:37:12,400
Speaker 1: my Tesla stock? And I feel like he's not alone.

828
00:37:12,800 --> 00:37:15,680
Speaker 1: So what's your take on where people's mindset is at

829
00:37:15,680 --> 00:37:18,040
Speaker 1: with you know, stock market investing these days? And what

830
00:37:18,080 --> 00:37:19,920
Speaker 1: would you say to people who were trying to get

831
00:37:19,920 --> 00:37:22,680
Speaker 1: into the market now as like a word of caution.

832
00:37:23,239 --> 00:37:25,600
Speaker 5: So I just recorded a video on this. It's going

833
00:37:25,640 --> 00:37:28,840
Speaker 5: to go up very soon. But stock or market predicting

834
00:37:29,120 --> 00:37:31,839
Speaker 5: is for losers. Nobody can predict what's going to happen

835
00:37:31,880 --> 00:37:34,680
Speaker 5: in the stock market tomorrow or three months or you know,

836
00:37:34,880 --> 00:37:37,440
Speaker 5: in this short term. It is impossible because there are

837
00:37:37,480 --> 00:37:40,479
Speaker 5: so many things that can happen that influence the stock market,

838
00:37:40,600 --> 00:37:42,680
Speaker 5: especially in the short term. You know, we could see

839
00:37:42,719 --> 00:37:44,920
Speaker 5: something happened to the president. We could see something happened

840
00:37:44,960 --> 00:37:47,560
Speaker 5: with this coronavirus. We can see the Fed change the

841
00:37:47,640 --> 00:37:50,560
Speaker 5: monetary policy. There are so many factors that influence the

842
00:37:50,600 --> 00:37:53,360
Speaker 5: stock market in the short term that creates this like

843
00:37:53,520 --> 00:37:58,200
Speaker 5: emotionalness in the stock market, and that's what creates creates

844
00:37:58,239 --> 00:38:02,879
Speaker 5: like this panic selling and euphoria buying, and as a

845
00:38:02,920 --> 00:38:06,280
Speaker 5: smart financial planner and a smart money manager and investor,

846
00:38:06,360 --> 00:38:07,680
Speaker 5: that is exactly.

847
00:38:07,280 --> 00:38:08,400
Speaker 4: What you want to avoid.

848
00:38:09,040 --> 00:38:11,680
Speaker 5: You want to be investing for the long term. So

849
00:38:11,719 --> 00:38:15,920
Speaker 5: I'm a big proponent of long term investing, looking at

850
00:38:15,920 --> 00:38:20,600
Speaker 5: companies who are growing, who are innovating, and have a

851
00:38:20,640 --> 00:38:23,920
Speaker 5: good value, and buying into these companies for the long term.

852
00:38:23,960 --> 00:38:27,040
Speaker 5: If that is what you're doing, the stock pace doesn't

853
00:38:27,080 --> 00:38:29,880
Speaker 5: even matter that much. You just want to continually buy it,

854
00:38:29,920 --> 00:38:32,160
Speaker 5: whether it's every week or every month, or you know,

855
00:38:32,200 --> 00:38:34,240
Speaker 5: whatever your schedule is. You just want to keep buying

856
00:38:34,280 --> 00:38:37,319
Speaker 5: these stocks or funds that you want to own for

857
00:38:37,360 --> 00:38:38,120
Speaker 5: the long term.

858
00:38:38,840 --> 00:38:40,680
Speaker 2: For the majority dollar cost averaging.

859
00:38:40,719 --> 00:38:42,400
Speaker 3: No, I was just going to say, so that's I know,

860
00:38:42,440 --> 00:38:44,600
Speaker 3: that's your big philosophy dollar cost averaging.

861
00:38:45,000 --> 00:38:48,359
Speaker 5: Yeah, and if it comes down, if it crashes, buy more.

862
00:38:48,719 --> 00:38:50,160
Speaker 5: That is like, it's like one of those things that

863
00:38:50,239 --> 00:38:53,040
Speaker 5: if it's a company you really believe in, buy it

864
00:38:53,200 --> 00:38:55,480
Speaker 5: and if it crashes, use it as an opportunity to

865
00:38:55,480 --> 00:38:57,840
Speaker 5: buy more. And I think for the majority of people,

866
00:38:58,640 --> 00:39:00,640
Speaker 5: stock picking is not even the game that you want

867
00:39:00,640 --> 00:39:02,160
Speaker 5: to be playing for the majority of people.

868
00:39:02,200 --> 00:39:04,239
Speaker 4: If you don't not plan to.

869
00:39:03,719 --> 00:39:07,280
Speaker 5: Spend a lot of time studying companies, listening to earning statements.

870
00:39:07,440 --> 00:39:09,640
Speaker 5: If that is not what you're interested in, look into

871
00:39:09,680 --> 00:39:12,800
Speaker 5: index funds. Look into the ETFs and index fund or ETFs.

872
00:39:12,880 --> 00:39:15,000
Speaker 5: You could think of a kind of like a group

873
00:39:15,040 --> 00:39:18,040
Speaker 5: of stocks of fund that invests in a bunch of companies.

874
00:39:18,280 --> 00:39:20,040
Speaker 5: So if you just want to be involved in the

875
00:39:20,080 --> 00:39:24,040
Speaker 5: stock market, there are funds that literally give you exposure

876
00:39:24,160 --> 00:39:26,600
Speaker 5: to the top five hundred companies in the stock market.

877
00:39:26,719 --> 00:39:28,080
Speaker 5: So now instead of if you're trying to go out

878
00:39:28,080 --> 00:39:30,240
Speaker 5: and find the number one company, you can just invest

879
00:39:30,280 --> 00:39:32,600
Speaker 5: in this fund that gives your exposure to the general

880
00:39:32,640 --> 00:39:34,879
Speaker 5: stock market. So now, if the stock market goes up,

881
00:39:34,920 --> 00:39:37,399
Speaker 5: your fund goes up. The stock market goes down, your

882
00:39:37,440 --> 00:39:40,000
Speaker 5: fund goes down. But what we've seen again and again

883
00:39:40,040 --> 00:39:42,000
Speaker 5: and again is that over the long run, the stock

884
00:39:42,040 --> 00:39:44,120
Speaker 5: market and strong companies go up. And if you're not

885
00:39:44,200 --> 00:39:46,160
Speaker 5: interested in doing all that research and trying to find

886
00:39:46,160 --> 00:39:48,680
Speaker 5: the best companies, just invest in one of these funds,

887
00:39:48,880 --> 00:39:51,640
Speaker 5: because now it's doing it for you.

888
00:39:52,440 --> 00:39:56,759
Speaker 1: So what you're saying is I'm right, and yeah, to

889
00:39:56,760 --> 00:39:59,080
Speaker 1: confirm that, because I won't.

890
00:39:58,840 --> 00:40:01,279
Speaker 3: Play in that then. That's so my question is, so

891
00:40:01,360 --> 00:40:04,920
Speaker 3: where do you go for financial education? You know, the

892
00:40:04,960 --> 00:40:07,120
Speaker 3: financial educator? It's like what does a doctor go when

893
00:40:07,120 --> 00:40:09,200
Speaker 3: they're sick? So where do you go to learn when

894
00:40:09,280 --> 00:40:11,840
Speaker 3: you're when you're learning when new things come out or

895
00:40:11,960 --> 00:40:12,960
Speaker 3: something you don't understand?

896
00:40:12,960 --> 00:40:15,640
Speaker 2: Like what are you what are your go to platforms?

897
00:40:16,040 --> 00:40:19,160
Speaker 5: There's a lot of great resources on the internet, Like

898
00:40:19,239 --> 00:40:20,919
Speaker 5: one of my go to sites if we're talking about

899
00:40:20,960 --> 00:40:26,280
Speaker 5: the stock market, particularly like seeking Alpha is great financed Yahoo,

900
00:40:26,680 --> 00:40:31,680
Speaker 5: just to like I love reading books and I love

901
00:40:31,760 --> 00:40:34,080
Speaker 5: kind of just learning about companies, Like right now I'm

902
00:40:34,120 --> 00:40:37,520
Speaker 5: reading one of Warren Buffet's biographies. It's very interesting just

903
00:40:37,520 --> 00:40:39,879
Speaker 5: to kind of not necessarily just stock books, but learning

904
00:40:39,960 --> 00:40:42,319
Speaker 5: kind of the way some of these great investors think

905
00:40:43,040 --> 00:40:46,760
Speaker 5: and just learning from them and then really just studying

906
00:40:46,760 --> 00:40:50,000
Speaker 5: a company. You know, there's every three months a company

907
00:40:50,000 --> 00:40:53,040
Speaker 5: has to release a statement where they go over how

908
00:40:53,080 --> 00:40:55,279
Speaker 5: much money they're making with the plan on doing, what

909
00:40:55,360 --> 00:40:57,960
Speaker 5: their valuations? You know, what are they doing with their money?

910
00:40:58,000 --> 00:41:01,160
Speaker 5: Where's all the cash going? And a lot of times

911
00:41:02,080 --> 00:41:04,400
Speaker 5: most of the times we skip over that because we

912
00:41:04,480 --> 00:41:07,799
Speaker 5: read the headlines. Oh Tesla made a lot of money

913
00:41:07,880 --> 00:41:10,120
Speaker 5: or Tesla lost money. Right, that's all we see. But

914
00:41:10,160 --> 00:41:12,080
Speaker 5: if you go into the actual earning statements and you

915
00:41:12,160 --> 00:41:16,000
Speaker 5: read the transcript and you read the forms that these

916
00:41:16,000 --> 00:41:18,920
Speaker 5: companies file, which you can do, they're more boring, but

917
00:41:19,000 --> 00:41:21,480
Speaker 5: you can actually see what is going on with the

918
00:41:21,520 --> 00:41:24,879
Speaker 5: company and what is their real revenue, what is their

919
00:41:24,920 --> 00:41:27,400
Speaker 5: real income, what is their real loss, and then you

920
00:41:27,400 --> 00:41:29,400
Speaker 5: can come up with your own calculations to see, Okay,

921
00:41:29,560 --> 00:41:32,719
Speaker 5: this company's making one hundred million dollars actually based off

922
00:41:32,760 --> 00:41:35,000
Speaker 5: of what I see, and they're being valued at ten

923
00:41:35,080 --> 00:41:37,800
Speaker 5: billion dollars. Is this a good investment?

924
00:41:37,920 --> 00:41:38,400
Speaker 4: Yes or no?

925
00:41:38,800 --> 00:41:40,520
Speaker 5: And so it's kind of coming up with what do

926
00:41:40,600 --> 00:41:42,960
Speaker 5: you think is a good value and what is it

927
00:41:42,960 --> 00:41:44,480
Speaker 5: that you want to invest.

928
00:41:44,160 --> 00:41:48,080
Speaker 1: In Over time, as you've developed your financial philosophy and

929
00:41:48,480 --> 00:41:51,280
Speaker 1: the minority mindset, as you say, I mean you acknowledge

930
00:41:51,320 --> 00:41:54,080
Speaker 1: that you didn't have a ton of education. And Tiffany's

931
00:41:54,080 --> 00:41:56,160
Speaker 1: maybe in the minority because she had such a great

932
00:41:56,200 --> 00:41:59,640
Speaker 1: financial coach in her dad. But even so, the Great Recession,

933
00:41:59,719 --> 00:42:01,960
Speaker 1: for and I both kind of had a we were

934
00:42:02,000 --> 00:42:05,040
Speaker 1: all like in our own ways, a little afraid of

935
00:42:05,320 --> 00:42:08,200
Speaker 1: going through what we went through our personal financial losses

936
00:42:08,480 --> 00:42:10,960
Speaker 1: after the recession, and so I think safe to say

937
00:42:11,000 --> 00:42:13,160
Speaker 1: TIF that we both held on to some cash. Yeah

938
00:42:13,960 --> 00:42:16,839
Speaker 1: maybe beyond like yeah, maybe beyond like the six month mark.

939
00:42:17,840 --> 00:42:20,160
Speaker 1: And I wanted to talk to you, like, what's your

940
00:42:20,600 --> 00:42:23,399
Speaker 1: Have you had to overcome any mindsets that were maybe

941
00:42:23,480 --> 00:42:26,120
Speaker 1: hurting you financially where you maybe a little conservative in

942
00:42:26,160 --> 00:42:27,799
Speaker 1: the beginning, or have you always kind of you know,

943
00:42:28,280 --> 00:42:32,000
Speaker 1: just learned and approached investing differently, because for a lot

944
00:42:32,040 --> 00:42:34,680
Speaker 1: of people, especially now the majority, we'll look at the

945
00:42:34,719 --> 00:42:37,120
Speaker 1: stock market, what happened back in the spring, you know,

946
00:42:37,160 --> 00:42:39,080
Speaker 1: March and April and be like, oh shit, like get

947
00:42:39,080 --> 00:42:41,120
Speaker 1: me out of here, this is crazy. Yeah, So to

948
00:42:41,160 --> 00:42:42,719
Speaker 1: talk about that, if you don't mind.

949
00:42:42,520 --> 00:42:47,040
Speaker 5: I think, yeah, the saving thing I I six months,

950
00:42:47,360 --> 00:42:49,200
Speaker 5: I tell a lot of people was the goal, and

951
00:42:49,320 --> 00:42:52,080
Speaker 5: I try to tell people to cap it, like Indians

952
00:42:52,360 --> 00:42:53,920
Speaker 5: tend to be super savous to a lot of my

953
00:42:54,000 --> 00:42:56,279
Speaker 5: friends who are kind of fall under that boat. I

954
00:42:56,280 --> 00:42:57,520
Speaker 5: know a lot of people that make a lot of

955
00:42:57,520 --> 00:43:00,239
Speaker 5: money and this save every penny that they can. So

956
00:43:00,440 --> 00:43:02,520
Speaker 5: they're saving like seventy eighty percent of their income and

957
00:43:02,560 --> 00:43:05,160
Speaker 5: they have three, four five years worth of expenses saved

958
00:43:05,160 --> 00:43:07,640
Speaker 5: in the bank. Account just sitting there and this is

959
00:43:07,680 --> 00:43:10,719
Speaker 5: way past the FDIC limit, so you know I.

960
00:43:10,760 --> 00:43:13,720
Speaker 2: Must be yeah, not anymore.

961
00:43:13,760 --> 00:43:15,960
Speaker 3: I'm better now. I have a financial planner. That's cheesy

962
00:43:16,040 --> 00:43:19,040
Speaker 3: is Indian shout out to anti, But yeah, I'm better now.

963
00:43:19,040 --> 00:43:20,319
Speaker 2: But that was so me.

964
00:43:21,000 --> 00:43:23,400
Speaker 5: Yeah, and you know it's it's better than blowing all

965
00:43:23,480 --> 00:43:23,839
Speaker 5: that money.

966
00:43:23,960 --> 00:43:24,200
Speaker 4: Right.

967
00:43:24,640 --> 00:43:27,120
Speaker 5: But what I try to tell people is, you know,

968
00:43:27,160 --> 00:43:30,520
Speaker 5: you can do a lot better and take low risks

969
00:43:30,840 --> 00:43:33,440
Speaker 5: if you you know, you once you learn about how

970
00:43:33,480 --> 00:43:35,520
Speaker 5: investing works, you can kind of get a better feel

971
00:43:35,520 --> 00:43:35,799
Speaker 5: of it.

972
00:43:36,040 --> 00:43:37,120
Speaker 4: So I used to have a lot.

973
00:43:36,960 --> 00:43:39,040
Speaker 5: Of money in the market, and I made a video

974
00:43:39,080 --> 00:43:41,320
Speaker 5: on this earlier this year, like back in it was

975
00:43:41,360 --> 00:43:43,800
Speaker 5: actually in February where I talked about how I was

976
00:43:43,840 --> 00:43:46,360
Speaker 5: selling a lot of stuff just because sometimes, you know,

977
00:43:47,480 --> 00:43:50,360
Speaker 5: things do feel like a low, little overheated. Now this

978
00:43:50,480 --> 00:43:52,960
Speaker 5: was completely lucky, Like you know, I talked about this.

979
00:43:53,080 --> 00:43:54,920
Speaker 5: This was like one hundred percent luck. I did not

980
00:43:55,000 --> 00:43:57,120
Speaker 5: predict a crash or did not predict a pandemic. This

981
00:43:57,280 --> 00:44:00,000
Speaker 5: was like completely luck. For in February, I was, yeah,

982
00:44:00,000 --> 00:44:02,360
Speaker 5: you know, I've made a lot of money over the

983
00:44:02,440 --> 00:44:04,280
Speaker 5: last few years in the stock market, so I'm selling

984
00:44:04,360 --> 00:44:06,560
Speaker 5: right now. Because a lot of things are really high,

985
00:44:06,600 --> 00:44:08,839
Speaker 5: evaluations are really high, and it's just a good time

986
00:44:08,880 --> 00:44:10,000
Speaker 5: to take some money off the table.

987
00:44:10,040 --> 00:44:10,680
Speaker 4: And that's okay.

988
00:44:11,239 --> 00:44:12,759
Speaker 5: You know what I tell people when it comes to

989
00:44:12,800 --> 00:44:15,799
Speaker 5: saving and investing, your investment money doesn't always have to

990
00:44:15,840 --> 00:44:19,360
Speaker 5: be invested. Like cash is an investment position as well.

991
00:44:20,160 --> 00:44:22,080
Speaker 5: It's just knowing that this is money that you want

992
00:44:22,120 --> 00:44:24,680
Speaker 5: to invest that you're you know, looking for an opportunity.

993
00:44:25,480 --> 00:44:26,439
Speaker 4: I like real estate.

994
00:44:26,520 --> 00:44:28,279
Speaker 5: I haven't bought real estate in a while because I'm

995
00:44:28,280 --> 00:44:30,440
Speaker 5: waiting for an opportunity. So I have cash that I'm

996
00:44:30,480 --> 00:44:32,880
Speaker 5: waiting to invest, and you know, it goes beyond my

997
00:44:32,960 --> 00:44:36,440
Speaker 5: saving goals, but it's my investment money that I'm waiting

998
00:44:36,600 --> 00:44:37,320
Speaker 5: to invest.

999
00:44:37,760 --> 00:44:41,359
Speaker 4: So that's kind of like what I've developed over the years.

1000
00:44:41,360 --> 00:44:42,960
Speaker 5: And I think I used to be a lot riskier

1001
00:44:43,200 --> 00:44:45,760
Speaker 5: when I was younger, when I was first getting started,

1002
00:44:45,800 --> 00:44:48,880
Speaker 5: because at that point, i was like, Wow, what do

1003
00:44:48,920 --> 00:44:50,640
Speaker 5: I have to lose? So I'm just going all in

1004
00:44:51,040 --> 00:44:53,200
Speaker 5: everywhere I can because for me, it was just like,

1005
00:44:53,239 --> 00:44:55,000
Speaker 5: you know, this is my time to learn, this is

1006
00:44:55,040 --> 00:44:58,040
Speaker 5: my time to go all in with everything. Now, you know,

1007
00:44:58,080 --> 00:45:00,680
Speaker 5: I'm still willing to take risk, but definitely a little

1008
00:45:00,680 --> 00:45:04,360
Speaker 5: bit more conservative, and I do a lot more research

1009
00:45:04,440 --> 00:45:05,920
Speaker 5: now than I used to before. I was more of

1010
00:45:05,920 --> 00:45:09,720
Speaker 5: a doer before thinking at all. Now I'm still a doer,

1011
00:45:09,800 --> 00:45:11,400
Speaker 5: but I do spend a little bit more time thinking

1012
00:45:11,440 --> 00:45:13,960
Speaker 5: before I trying to make those moves.

1013
00:45:14,239 --> 00:45:16,920
Speaker 1: So you cleaned out your investments in February, lucky, and

1014
00:45:17,640 --> 00:45:19,880
Speaker 1: then what did you get back in once things started

1015
00:45:19,880 --> 00:45:22,200
Speaker 1: to go? Like? What what did Yeah? What what did

1016
00:45:22,200 --> 00:45:24,600
Speaker 1: you do? Because I think there were folks who were

1017
00:45:24,640 --> 00:45:26,839
Speaker 1: it's that financial double dutch again, which is I don't

1018
00:45:26,840 --> 00:45:29,000
Speaker 1: know if you're familiar with double dutch. It's kind of fun.

1019
00:45:31,880 --> 00:45:33,680
Speaker 2: I know double dutch. I don't know if you even watched.

1020
00:45:33,680 --> 00:45:35,840
Speaker 3: Like when girls jump into the road, they do this

1021
00:45:36,040 --> 00:45:38,279
Speaker 3: like bobbing back and forth trying to figure out the

1022
00:45:38,280 --> 00:45:40,560
Speaker 3: perfect time to jump into you. You're literally rocking back

1023
00:45:40,600 --> 00:45:42,319
Speaker 3: and forth. So it's like, yeah, so it's a good

1024
00:45:42,320 --> 00:45:43,760
Speaker 3: analogy to getting into the market.

1025
00:45:44,239 --> 00:45:45,359
Speaker 4: So yeah, I did.

1026
00:45:45,920 --> 00:45:48,680
Speaker 5: I talked about this on YouTube that I do this

1027
00:45:48,800 --> 00:45:52,000
Speaker 5: kind of like drip investing, where I buy in phases. Now,

1028
00:45:52,000 --> 00:45:54,920
Speaker 5: I'm not the greatest stock market investor out there. One

1029
00:45:54,960 --> 00:45:57,600
Speaker 5: of our partners, Ak, who does a lot of our

1030
00:45:57,640 --> 00:46:00,520
Speaker 5: stock market teaching, he is, like, he taught me a

1031
00:46:00,560 --> 00:46:02,399
Speaker 5: lot about the stock market. I learned a lot from him.

1032
00:46:02,440 --> 00:46:06,399
Speaker 5: But I do what I call drip investing. So when

1033
00:46:06,400 --> 00:46:08,600
Speaker 5: the stock market falls, that's when I come in and buy,

1034
00:46:08,640 --> 00:46:11,200
Speaker 5: and I buy in phases. So every time it falls

1035
00:46:11,200 --> 00:46:13,520
Speaker 5: ten to fifteen percent, I buy. If it falls more,

1036
00:46:13,560 --> 00:46:15,520
Speaker 5: I buy more, and so I kind of just buy

1037
00:46:15,719 --> 00:46:18,040
Speaker 5: those phases. So when it was falling, I was just

1038
00:46:18,080 --> 00:46:21,000
Speaker 5: buying the whole way down, and then I did sell

1039
00:46:21,000 --> 00:46:23,080
Speaker 5: a little bit a few months later because the stock

1040
00:46:23,120 --> 00:46:26,279
Speaker 5: market recovered so fast that it was like, this is

1041
00:46:26,360 --> 00:46:28,920
Speaker 5: kind of crazy, how fast the stock market is recovering.

1042
00:46:29,760 --> 00:46:31,640
Speaker 5: So you know, that's kind of what I've been doing

1043
00:46:31,680 --> 00:46:33,880
Speaker 5: with in terms of the stock market. I still haven't

1044
00:46:33,880 --> 00:46:37,239
Speaker 5: really bought much real estate or at all. I'm just

1045
00:46:37,280 --> 00:46:38,920
Speaker 5: trying to figure out what's going on in the real

1046
00:46:39,000 --> 00:46:39,439
Speaker 5: estate market.

1047
00:46:39,560 --> 00:46:40,960
Speaker 1: Where are you buying real estate? I don't even know

1048
00:46:40,960 --> 00:46:44,200
Speaker 1: where you're based. I'm in Michigan, Michigan, Okay, So that's

1049
00:46:44,320 --> 00:46:46,360
Speaker 1: and do you have are you investing in real estate

1050
00:46:46,600 --> 00:46:48,440
Speaker 1: close by so you kind of know the area?

1051
00:46:48,640 --> 00:46:51,160
Speaker 5: Yeah, yeah, a lot of it is in the state.

1052
00:46:51,320 --> 00:46:54,880
Speaker 5: So just trying to wait on opportunities. I mean, I'm

1053
00:46:54,920 --> 00:46:58,360
Speaker 5: a big value ad investor. I love finding distressed real estate,

1054
00:46:59,040 --> 00:47:03,800
Speaker 5: whether it's financially stressed or physically distressed, but just waiting

1055
00:47:03,840 --> 00:47:04,800
Speaker 5: on a deal.

1056
00:47:05,400 --> 00:47:07,560
Speaker 1: That's so a fixer rupper basically.

1057
00:47:07,239 --> 00:47:08,400
Speaker 4: Yeah, I love fixer rubbers.

1058
00:47:08,440 --> 00:47:10,960
Speaker 3: I'm working on my first fixture upper right now, so

1059
00:47:10,960 --> 00:47:12,960
Speaker 3: I'm excited to see like we oh, that's awesome.

1060
00:47:13,200 --> 00:47:13,600
Speaker 2: Huse.

1061
00:47:13,600 --> 00:47:15,880
Speaker 3: I was like, you know what, I feel like My

1062
00:47:16,160 --> 00:47:18,799
Speaker 3: first kind of jaunt into investing was really investing by

1063
00:47:18,840 --> 00:47:22,120
Speaker 3: growing up business because I was scared of investing traditionally

1064
00:47:22,160 --> 00:47:24,560
Speaker 3: since I had that scam. And then I got my

1065
00:47:24,760 --> 00:47:28,000
Speaker 3: financial planner and she really helped to like pry open

1066
00:47:28,080 --> 00:47:29,440
Speaker 3: my cold dead hands.

1067
00:47:29,239 --> 00:47:29,920
Speaker 2: Around my money.

1068
00:47:31,160 --> 00:47:34,279
Speaker 3: So because I had enough, I had so much save

1069
00:47:34,400 --> 00:47:36,680
Speaker 3: that the house I'm living in now, I paid for

1070
00:47:36,719 --> 00:47:39,600
Speaker 3: it in cash and renovated in cash, and paid off

1071
00:47:39,640 --> 00:47:41,279
Speaker 3: my parents' house in cash, and paid off.

1072
00:47:41,160 --> 00:47:43,080
Speaker 2: My student loans in cash and thought there was.

1073
00:47:43,640 --> 00:47:47,120
Speaker 3: But not really, because she was like, Tiffany, you have

1074
00:47:47,360 --> 00:47:50,560
Speaker 3: enough to like last year lifetime, you need to invest

1075
00:47:50,560 --> 00:47:51,280
Speaker 3: some of this money.

1076
00:47:51,920 --> 00:47:53,040
Speaker 2: So you know, I did that.

1077
00:47:53,120 --> 00:47:55,080
Speaker 3: But then so the real estate property that I bought,

1078
00:47:55,120 --> 00:47:58,960
Speaker 3: it's it's a tax deed from the city where I

1079
00:47:58,960 --> 00:48:01,319
Speaker 3: live in New Jersey. And so it was ten thousand dollars,

1080
00:48:01,320 --> 00:48:04,600
Speaker 3: which is awesome, and it needed about one hundred and

1081
00:48:04,600 --> 00:48:07,640
Speaker 3: fifty thousand dollars worth of work. But the homes around

1082
00:48:07,640 --> 00:48:10,760
Speaker 3: their goal for about two twenty five and they're building

1083
00:48:10,760 --> 00:48:13,000
Speaker 3: a new train station that goes directly to New York City,

1084
00:48:13,440 --> 00:48:15,320
Speaker 3: like around the corner. Yeah, so I'm like, yeah, I

1085
00:48:15,360 --> 00:48:18,480
Speaker 3: cannot wait to see this, to see we're looking now.

1086
00:48:18,680 --> 00:48:22,439
Speaker 3: I'm stacking money to look same as you, to see

1087
00:48:22,440 --> 00:48:27,480
Speaker 3: if there's like another opportunity to purchase something. Because my angelie,

1088
00:48:27,480 --> 00:48:30,399
Speaker 3: my financial planner, said, you've already, you know, you've hit

1089
00:48:30,440 --> 00:48:32,640
Speaker 3: your goal for the year as far as setting aside

1090
00:48:32,719 --> 00:48:36,880
Speaker 3: for retirement and just investing for wealth with her, and

1091
00:48:37,000 --> 00:48:39,839
Speaker 3: so now she just suggested that we start to for

1092
00:48:39,880 --> 00:48:42,000
Speaker 3: the rest of the year put the rest away to

1093
00:48:42,040 --> 00:48:44,160
Speaker 3: purchase real estate when we felt the time was right.

1094
00:48:44,200 --> 00:48:46,359
Speaker 3: So that's what my husband and I are doing now.

1095
00:48:46,400 --> 00:48:49,359
Speaker 3: But yeah, do you have I mean I never would

1096
00:48:49,360 --> 00:48:51,759
Speaker 3: have thought I would have had a financial planner, So

1097
00:48:51,800 --> 00:48:53,839
Speaker 3: I guess that's my question. Do you have someone? I mean,

1098
00:48:53,840 --> 00:48:55,200
Speaker 3: I know you have Ak. I love him too because

1099
00:48:55,200 --> 00:48:57,600
Speaker 3: I watch his channel. He's a little wilder than you,

1100
00:48:57,760 --> 00:48:58,640
Speaker 3: but he's still funny.

1101
00:48:58,680 --> 00:49:05,120
Speaker 5: Yeah, he's really smart. He's like edgy, but he's really smart.

1102
00:49:05,560 --> 00:49:07,160
Speaker 3: So is that your go to or do you have

1103
00:49:07,200 --> 00:49:09,200
Speaker 3: like a formal because I know Mandy has someone her

1104
00:49:09,280 --> 00:49:11,920
Speaker 3: name is Helen that kind of guides her through the

1105
00:49:11,960 --> 00:49:13,680
Speaker 3: things that she doesn't know. Do you have like a

1106
00:49:13,719 --> 00:49:15,840
Speaker 3: go to aside from him that guide you through the

1107
00:49:15,840 --> 00:49:17,719
Speaker 3: things that you don't know financially.

1108
00:49:18,040 --> 00:49:19,239
Speaker 4: In different areas.

1109
00:49:19,480 --> 00:49:22,240
Speaker 5: Yes, so not like one kind of go to financial

1110
00:49:22,239 --> 00:49:24,799
Speaker 5: planner in that sense, but you know, people I have,

1111
00:49:25,000 --> 00:49:27,279
Speaker 5: like ak is who I go to in the stock market.

1112
00:49:27,320 --> 00:49:29,600
Speaker 5: I have a few friends who are I mean absolutely

1113
00:49:29,680 --> 00:49:32,640
Speaker 5: killing it in real estate. I have a couple of people,

1114
00:49:32,719 --> 00:49:35,719
Speaker 5: not many in the entrepreneur business space that I talked to,

1115
00:49:36,320 --> 00:49:39,919
Speaker 5: but mainly in the real estate and stock market space.

1116
00:49:39,960 --> 00:49:42,239
Speaker 5: Do I have people that kind of bounce ideas off

1117
00:49:42,280 --> 00:49:43,800
Speaker 5: of and talk to about what's going on and a

1118
00:49:43,840 --> 00:49:46,160
Speaker 5: couple of brokers in the area that are really really

1119
00:49:46,239 --> 00:49:48,480
Speaker 5: active in the real estate market.

1120
00:49:48,719 --> 00:49:51,279
Speaker 1: What do you have? So you mentioned investing on the

1121
00:49:51,400 --> 00:49:55,200
Speaker 1: side so that you can use that money to purchase

1122
00:49:55,680 --> 00:49:58,919
Speaker 1: potentially income properties. What's your investing strategy when it comes

1123
00:49:58,960 --> 00:50:01,600
Speaker 1: to saving for real estate because if you're looking for opportunities,

1124
00:50:01,640 --> 00:50:03,000
Speaker 1: you know, you don't know when that will pop up,

1125
00:50:03,239 --> 00:50:05,960
Speaker 1: so you need to be liquid enough. So I'm curious.

1126
00:50:06,160 --> 00:50:08,160
Speaker 5: So kind of like what I was saying before, right,

1127
00:50:08,680 --> 00:50:11,920
Speaker 5: I have my savings cash, which is just savings, and

1128
00:50:11,920 --> 00:50:14,799
Speaker 5: then I have my investment money, which not all that

1129
00:50:14,840 --> 00:50:19,359
Speaker 5: money is always invested. Cash is a position. And so

1130
00:50:19,560 --> 00:50:23,000
Speaker 5: I have cash that I have waiting to invest. So

1131
00:50:23,520 --> 00:50:25,680
Speaker 5: that's that's kind of my real estate that I'm waiting

1132
00:50:25,920 --> 00:50:27,879
Speaker 5: to buy. Real estate that's just kind of sitting there. Yeah,

1133
00:50:27,920 --> 00:50:31,160
Speaker 5: it's not growing right now, it's it's losing value to inflation.

1134
00:50:31,239 --> 00:50:33,360
Speaker 5: But this is money that I'm kind of you know,

1135
00:50:33,440 --> 00:50:36,000
Speaker 5: I have ready because when if real estate prices come down,

1136
00:50:36,000 --> 00:50:37,040
Speaker 5: I want to be there and I want to be

1137
00:50:37,080 --> 00:50:40,000
Speaker 5: the ones that's ready to buy without any questions.

1138
00:50:40,360 --> 00:50:44,560
Speaker 1: Yeah, we can't all be, sister Carol. But did she

1139
00:50:44,600 --> 00:50:47,319
Speaker 1: buys She bought, like pifting her dollars worth and paid, So.

1140
00:50:47,320 --> 00:50:48,480
Speaker 2: Yeah, my sister.

1141
00:50:48,600 --> 00:50:51,360
Speaker 3: She she actually like she loves investing in the market

1142
00:50:51,560 --> 00:50:54,799
Speaker 3: and she can pick them. So she's an engineer by trade.

1143
00:50:54,840 --> 00:50:57,720
Speaker 3: So for my parents were happy with her. But she

1144
00:50:57,960 --> 00:51:00,799
Speaker 3: told me about Tesla years ago, and she brought it

1145
00:51:00,800 --> 00:51:02,240
Speaker 3: when it was thirty dollars a share.

1146
00:51:02,920 --> 00:51:03,200
Speaker 4: Wow.

1147
00:51:03,280 --> 00:51:04,359
Speaker 2: She was like you should, you should.

1148
00:51:04,400 --> 00:51:06,040
Speaker 3: This is this company called Tesla and I was like

1149
00:51:06,200 --> 00:51:11,000
Speaker 3: yeah nah, and then like and then the next year Thanksgiving,

1150
00:51:11,080 --> 00:51:12,800
Speaker 3: she was like, it's gone up. It's like a hundred

1151
00:51:12,800 --> 00:51:14,160
Speaker 3: dollars a share or whatever it was, and I was

1152
00:51:14,200 --> 00:51:17,279
Speaker 3: still like no, not interested. So at the time she

1153
00:51:17,360 --> 00:51:21,239
Speaker 3: brought like fifteen hundred dollars worth and yeah, so she

1154
00:51:21,360 --> 00:51:23,360
Speaker 3: ended up like selling it though I forget whatever it was,

1155
00:51:23,360 --> 00:51:24,600
Speaker 3: but she ended up selling it to pay for her

1156
00:51:24,640 --> 00:51:26,719
Speaker 3: wedding and she put in fifteen hundred and got out

1157
00:51:26,719 --> 00:51:27,680
Speaker 3: thirty thousand dollars.

1158
00:51:27,840 --> 00:51:30,280
Speaker 4: So wow, that's an amazing return.

1159
00:51:30,400 --> 00:51:32,440
Speaker 3: Yes, and so but now I listen to her because

1160
00:51:32,440 --> 00:51:35,279
Speaker 3: she told me about Shopify, for example, when it was

1161
00:51:35,280 --> 00:51:37,120
Speaker 3: like I think it was iping and she was like,

1162
00:51:37,120 --> 00:51:37,879
Speaker 3: I think it's a good stock.

1163
00:51:37,880 --> 00:51:38,720
Speaker 2: I've been doing my research.

1164
00:51:38,760 --> 00:51:41,600
Speaker 3: And I was like, okay, I bought Shopify at how

1165
00:51:41,680 --> 00:51:43,160
Speaker 3: much did I buy it for? I think one hundred

1166
00:51:43,160 --> 00:51:45,359
Speaker 3: and forty dollars a share. It's over a thousand dollars

1167
00:51:45,440 --> 00:51:48,720
Speaker 3: right now. But wow, my stingy self bought three shares.

1168
00:51:48,760 --> 00:51:51,960
Speaker 3: I'm like, ah dang, I said about more.

1169
00:51:52,000 --> 00:51:53,360
Speaker 2: But yeah, so she's.

1170
00:51:53,200 --> 00:51:56,000
Speaker 3: Kind of like my my ak because she will do

1171
00:51:56,040 --> 00:52:00,600
Speaker 3: the research and she she loves like stock. But I just,

1172
00:52:01,120 --> 00:52:03,520
Speaker 3: you know, I just don't have the capacity or really

1173
00:52:03,520 --> 00:52:05,399
Speaker 3: the interest in doing all the research. So I'm mostly

1174
00:52:05,400 --> 00:52:08,319
Speaker 3: like an index mutual fun person, unless you know, she's like,

1175
00:52:08,320 --> 00:52:09,160
Speaker 3: there's a stock I've.

1176
00:52:09,000 --> 00:52:10,960
Speaker 2: Been doing this research for the last three years. I

1177
00:52:11,000 --> 00:52:11,680
Speaker 2: really like them.

1178
00:52:11,719 --> 00:52:14,359
Speaker 3: And then we for once all listen, but I have

1179
00:52:14,440 --> 00:52:16,279
Speaker 3: like a random question for you. Do you get like

1180
00:52:16,360 --> 00:52:18,080
Speaker 3: spotted in the streets, like I.

1181
00:52:18,120 --> 00:52:19,040
Speaker 5: Hat you're just great?

1182
00:52:19,600 --> 00:52:20,759
Speaker 4: A few times here and there.

1183
00:52:20,800 --> 00:52:23,759
Speaker 5: Not so much now during COVID, but every once in

1184
00:52:23,760 --> 00:52:24,640
Speaker 5: a while it would.

1185
00:52:24,960 --> 00:52:28,880
Speaker 4: It was funny. I never thought of myself kind of

1186
00:52:28,880 --> 00:52:29,520
Speaker 4: as a celebrity.

1187
00:52:29,520 --> 00:52:31,680
Speaker 5: I still don't, which is like, but it's so so

1188
00:52:31,800 --> 00:52:34,400
Speaker 5: weird when like I'll be like going somewhere with my

1189
00:52:34,440 --> 00:52:36,759
Speaker 5: family or my friends and somebody will kind of just

1190
00:52:36,760 --> 00:52:38,080
Speaker 5: come up to you and be like, hey, are you

1191
00:52:38,440 --> 00:52:42,400
Speaker 5: just freak, And I'm like yeah, It's like it's funny.

1192
00:52:42,400 --> 00:52:44,799
Speaker 5: It's amazing because I love connecting with people, you know,

1193
00:52:44,880 --> 00:52:45,920
Speaker 5: our own fans and audience.

1194
00:52:45,960 --> 00:52:49,440
Speaker 4: It's just like, I just never ever thought of myself.

1195
00:52:49,719 --> 00:52:51,440
Speaker 5: I still don't think of myself as kind of like

1196
00:52:51,920 --> 00:52:54,520
Speaker 5: a celebrity in any way, you know. So it's just

1197
00:52:54,560 --> 00:52:56,319
Speaker 5: like I'm just like, look man, I'm just like you man,

1198
00:52:56,560 --> 00:52:57,520
Speaker 5: it's you know what.

1199
00:52:57,400 --> 00:53:01,040
Speaker 1: I mean, Yeah, that's awesome. Just with like one hundred

1200
00:53:01,200 --> 00:53:04,280
Speaker 1: million more people, they're gonna.

1201
00:53:04,080 --> 00:53:05,600
Speaker 3: Be watching you even more now. I'm telling you, like

1202
00:53:05,680 --> 00:53:07,280
Speaker 3: we have been singing your praises.

1203
00:53:08,480 --> 00:53:10,120
Speaker 4: I appreciate that you are also now.

1204
00:53:10,000 --> 00:53:11,799
Speaker 3: When Mandy said that we have just freedon, I was like,

1205
00:53:11,880 --> 00:53:14,000
Speaker 3: are you are you toying with me?

1206
00:53:15,040 --> 00:53:15,600
Speaker 4: Oh my god?

1207
00:53:16,280 --> 00:53:18,040
Speaker 1: And then what I told my sister, I mean, humble Brake.

1208
00:53:18,080 --> 00:53:19,399
Speaker 1: I just emailed him and he like email.

1209
00:53:20,200 --> 00:53:23,040
Speaker 3: When I told Carol my my my stock trading sister,

1210
00:53:23,160 --> 00:53:25,880
Speaker 3: she was like, no way, no way, no way. I

1211
00:53:25,920 --> 00:53:28,200
Speaker 3: was like, I know, you know, I'm telling you now.

1212
00:53:28,200 --> 00:53:30,360
Speaker 3: Even like I said, my three year old niece Amelia

1213
00:53:30,520 --> 00:53:31,960
Speaker 3: was like, jes break, I'm like.

1214
00:53:32,040 --> 00:53:32,880
Speaker 2: Yes, a million.

1215
00:53:33,600 --> 00:53:35,480
Speaker 4: So you guys are so sweet.

1216
00:53:35,239 --> 00:53:37,560
Speaker 3: Now, but honestly you just like I said, it's to me,

1217
00:53:37,920 --> 00:53:41,359
Speaker 3: there needs to be more representation in financial education, and

1218
00:53:41,400 --> 00:53:45,480
Speaker 3: so it was just good to see someone who looked different.

1219
00:53:45,560 --> 00:53:48,319
Speaker 3: I think it's important for people to see themselves in

1220
00:53:48,440 --> 00:53:53,000
Speaker 3: the people that they're learning from and so I just honestly,

1221
00:53:53,040 --> 00:53:54,680
Speaker 3: I don't know how for so long because Mandy and

1222
00:53:54,719 --> 00:53:57,080
Speaker 3: I are part of like this like kind of like

1223
00:53:57,200 --> 00:54:00,239
Speaker 3: brown coalition of financial like educators, and I'm like, how

1224
00:54:00,239 --> 00:54:00,640
Speaker 3: do we not know.

1225
00:54:00,640 --> 00:54:08,240
Speaker 2: About joss Free until recently I make it my business?

1226
00:54:09,719 --> 00:54:12,000
Speaker 3: Yes, because I think, like I said, I think I

1227
00:54:12,000 --> 00:54:16,560
Speaker 3: think representation is important because what it's I think traditionally

1228
00:54:16,719 --> 00:54:20,759
Speaker 3: in financial education, black and brown communities are left out

1229
00:54:20,800 --> 00:54:25,520
Speaker 3: of the financial conversation and it's mostly pushed like savings

1230
00:54:25,560 --> 00:54:28,279
Speaker 3: and budgeting, which is good, you know, but sometimes this

1231
00:54:28,480 --> 00:54:32,040
Speaker 3: next level financial education we don't really get access to.

1232
00:54:32,200 --> 00:54:35,160
Speaker 3: So I think it's important that you know that people

1233
00:54:35,200 --> 00:54:38,200
Speaker 3: who look different, people who sound different, people who have

1234
00:54:38,600 --> 00:54:40,759
Speaker 3: different names. But I don't even use my African name

1235
00:54:40,800 --> 00:54:42,399
Speaker 3: because no one can say it properly, and so I'm

1236
00:54:42,520 --> 00:54:45,760
Speaker 3: just calling Tiffany it's Adochi, which.

1237
00:54:45,600 --> 00:54:50,160
Speaker 4: Is not that hard adote like, and so but.

1238
00:54:50,160 --> 00:54:53,360
Speaker 3: Yeah, I think that it's so representation in this space

1239
00:54:53,560 --> 00:54:57,960
Speaker 3: is so important because it means that everyone gets to learn,

1240
00:54:58,239 --> 00:55:01,840
Speaker 3: everyone gets to have a say, and everyone gets to

1241
00:55:02,000 --> 00:55:03,520
Speaker 3: like to reach and being powered.

1242
00:55:03,640 --> 00:55:06,560
Speaker 2: So no, we just really thank you.

1243
00:55:05,800 --> 00:55:07,640
Speaker 5: No, thank you guys for having Thank you too for

1244
00:55:07,680 --> 00:55:10,040
Speaker 5: having me that it was. This is an amazing call

1245
00:55:10,080 --> 00:55:12,840
Speaker 5: and I love what you two are doing. This is

1246
00:55:12,840 --> 00:55:17,360
Speaker 5: a much needed financial education is so needed, especially.

1247
00:55:17,000 --> 00:55:17,759
Speaker 4: Now more than ever.

1248
00:55:17,840 --> 00:55:22,160
Speaker 5: I mean, our whole kind of society, our whole educational

1249
00:55:22,200 --> 00:55:24,879
Speaker 5: system is good. But at the end of the day,

1250
00:55:25,000 --> 00:55:27,480
Speaker 5: if you do not know how to manage and master

1251
00:55:27,600 --> 00:55:31,200
Speaker 5: your money, doesn't matter what you do. You know, if

1252
00:55:31,800 --> 00:55:33,200
Speaker 5: you can have the best job in the world, but

1253
00:55:33,239 --> 00:55:36,600
Speaker 5: if you're struggling to pay your bills, you are it's

1254
00:55:36,680 --> 00:55:38,320
Speaker 5: just not you know, you're not fully there.

1255
00:55:38,800 --> 00:55:41,640
Speaker 1: Yeah, well, just breed, thank you so much for coming on.

1256
00:55:41,719 --> 00:55:45,880
Speaker 1: B a minority mindset, the minority mindset dot com folks

1257
00:55:45,960 --> 00:55:49,560
Speaker 1: find him on YouTube subscribe right now, and you also

1258
00:55:49,600 --> 00:55:52,160
Speaker 1: have a great insta. Yes, is that the minority mindset too?

1259
00:55:52,200 --> 00:55:54,000
Speaker 4: It is in this minority mindset.

1260
00:55:54,239 --> 00:55:57,040
Speaker 1: Yeah, and real quick for our final question, if I

1261
00:55:57,040 --> 00:55:58,560
Speaker 1: can just call it the final question. I don't know,

1262
00:55:58,600 --> 00:56:00,000
Speaker 1: Tiffany might want to talk to you for like.

1263
00:56:00,120 --> 00:56:04,640
Speaker 2: No, no, no, no hours, I've done enough. I've done enough, but.

1264
00:56:04,880 --> 00:56:08,799
Speaker 1: I have you know, we talk about success and investing

1265
00:56:08,800 --> 00:56:11,040
Speaker 1: in all these things, but you know, what's your long

1266
00:56:11,200 --> 00:56:14,279
Speaker 1: what's your happy like? What's your picture of yourself in

1267
00:56:14,320 --> 00:56:16,440
Speaker 1: the future twenty thirty years on the line. What does

1268
00:56:16,520 --> 00:56:18,120
Speaker 1: just bret and retirement look like? And what are you

1269
00:56:18,200 --> 00:56:18,840
Speaker 1: working toward?

1270
00:56:19,440 --> 00:56:23,319
Speaker 4: Uh? Well, continuing working in this financial space. I love.

1271
00:56:23,440 --> 00:56:26,800
Speaker 5: I love the financial space, but also I'm really interested

1272
00:56:26,840 --> 00:56:29,719
Speaker 5: in the venture capital space. I love working with entrepreneurs.

1273
00:56:30,120 --> 00:56:32,399
Speaker 5: So maybe something kind of a blend between the two,

1274
00:56:32,440 --> 00:56:37,680
Speaker 5: working with entrepreneurs, helping fund entrepreneurs fuel their dreams and

1275
00:56:37,960 --> 00:56:40,800
Speaker 5: kind of working with them too, So something in that space.

1276
00:56:41,400 --> 00:56:41,880
Speaker 2: I love that.

1277
00:56:42,040 --> 00:56:44,120
Speaker 1: Okay, so one day we'll get those socks, but maybe

1278
00:56:44,120 --> 00:56:48,520
Speaker 1: someone will. Yes, exactly, it's your VC funding, all right,

1279
00:56:48,600 --> 00:56:51,520
Speaker 1: Jeff Free, Thank you so so much. Y'all go follow

1280
00:56:51,640 --> 00:56:53,000
Speaker 1: Just Free the minority mindset.

1281
00:56:53,120 --> 00:56:53,960
Speaker 4: Thank you so much.

1282
00:57:11,800 --> 00:57:13,399
Speaker 2: Manda, I had need to call drink.

1283
00:57:14,440 --> 00:57:19,360
Speaker 1: How you got that speed stick somewhere nearby?

1284
00:57:20,600 --> 00:57:23,880
Speaker 2: Honestly, yeah, this is yes, I do.

1285
00:57:24,080 --> 00:57:26,880
Speaker 3: He's just like, like I said, to find somebody who

1286
00:57:26,920 --> 00:57:28,480
Speaker 3: it's like, I feel like Jeff Brie is like the

1287
00:57:28,480 --> 00:57:29,200
Speaker 3: budget nes Stowe.

1288
00:57:30,560 --> 00:57:34,480
Speaker 1: Yeah, the budget Stow. Oh that's funny. Yes, I mean,

1289
00:57:35,080 --> 00:57:38,680
Speaker 1: and it's you know, the fact that he focuses on

1290
00:57:38,720 --> 00:57:40,520
Speaker 1: the mindset is great because I feel like we talk

1291
00:57:40,560 --> 00:57:43,000
Speaker 1: about that a lot. Just how you know, what's holding

1292
00:57:43,080 --> 00:57:45,440
Speaker 1: us back is really the knowledge, access to the knowledge,

1293
00:57:45,480 --> 00:57:48,440
Speaker 1: and then understanding how to you know, move forward with

1294
00:57:48,480 --> 00:57:50,320
Speaker 1: that knowledge in mind and not let your emotions kind

1295
00:57:50,320 --> 00:57:52,920
Speaker 1: of get in the way. But yeah, I love him.

1296
00:57:52,960 --> 00:57:56,200
Speaker 1: You guys got to check out just brit the minority mindset,

1297
00:57:56,240 --> 00:57:58,440
Speaker 1: and I feel like look out for Tiffany and just

1298
00:57:58,480 --> 00:58:02,400
Speaker 1: Breeds co authored book Coming Forthcoming. I don't know, I

1299
00:58:02,400 --> 00:58:02,720
Speaker 1: feel like.

1300
00:58:04,760 --> 00:58:06,600
Speaker 3: A party, we can to do something, even if it's

1301
00:58:06,640 --> 00:58:09,560
Speaker 3: just alive or something, because I just feel like that

1302
00:58:09,720 --> 00:58:11,480
Speaker 3: Dreamcatchers need to get to know Jaspery.

1303
00:58:11,880 --> 00:58:14,800
Speaker 1: I feel like, dare I say they will? But I'm

1304
00:58:14,840 --> 00:58:16,440
Speaker 1: right to round out the show. Do you want to

1305
00:58:16,440 --> 00:58:17,880
Speaker 1: do a quick brown boost brown break?

1306
00:58:19,640 --> 00:58:21,960
Speaker 2: Well, I'm not gonna lie.

1307
00:58:22,120 --> 00:58:24,360
Speaker 3: I am not well you know what, No, I do

1308
00:58:24,440 --> 00:58:27,680
Speaker 3: want to do a brown unfortunately, a brown break.

1309
00:58:27,720 --> 00:58:30,840
Speaker 2: I hate to bring bring down the good times, but.

1310
00:58:30,920 --> 00:58:33,320
Speaker 1: Bring us bring us up, don't worry and no good.

1311
00:58:33,600 --> 00:58:38,520
Speaker 3: Because I was on the IG and someone had posted,

1312
00:58:38,600 --> 00:58:41,959
Speaker 3: I'm like, is this real life where our current administration

1313
00:58:42,760 --> 00:58:48,640
Speaker 3: has these banned federal agencies from conducting racial sensitivity training

1314
00:58:49,040 --> 00:58:53,680
Speaker 3: related to white privilege and criminal race theory that he

1315
00:58:53,840 --> 00:58:58,120
Speaker 3: feels that it's divisive and anti American propaganda. Can you imagine?

1316
00:58:58,840 --> 00:59:02,480
Speaker 3: And I just I was like, we are living in

1317
00:59:02,640 --> 00:59:07,680
Speaker 3: like really scary times. And when I saw that, I

1318
00:59:07,800 --> 00:59:10,720
Speaker 3: was like, oh my god. And so I'm just telling people, like, honestly,

1319
00:59:11,240 --> 00:59:13,240
Speaker 3: please do not take your vote for granted. We need

1320
00:59:13,280 --> 00:59:16,160
Speaker 3: you to vote. We need you to submit your you know,

1321
00:59:16,280 --> 00:59:18,960
Speaker 3: your your your ballad via mail or go and line

1322
00:59:19,040 --> 00:59:19,520
Speaker 3: up to vote.

1323
00:59:19,560 --> 00:59:21,800
Speaker 1: I mean, I just we can't live like this and

1324
00:59:21,880 --> 00:59:25,800
Speaker 1: don't just vote. Consider becoming a poll worker. It's extremely easy.

1325
00:59:25,840 --> 00:59:28,080
Speaker 1: And the I just signed up. I sent them like

1326
00:59:28,080 --> 00:59:29,680
Speaker 1: an email every day like please, I want to be

1327
00:59:29,680 --> 00:59:32,000
Speaker 1: a pollworker in New York. You submit an email to

1328
00:59:32,240 --> 00:59:35,240
Speaker 1: you know, your local Board of Elections or whatnot, and

1329
00:59:35,360 --> 00:59:37,720
Speaker 1: it's all you do is like one short training I

1330
00:59:37,720 --> 00:59:40,400
Speaker 1: feel like maybe an in person or virtual training, and

1331
00:59:40,600 --> 00:59:42,400
Speaker 1: you actually get paid for it. I don't know how

1332
00:59:42,440 --> 00:59:44,360
Speaker 1: much it is everywhere, but in New York it's three

1333
00:59:44,440 --> 00:59:47,000
Speaker 1: hundred and fifty dollars for the day. I was a

1334
00:59:47,000 --> 00:59:49,440
Speaker 1: little bit gutted though, because I actually can't do it.

1335
00:59:49,480 --> 00:59:52,200
Speaker 1: And here's why. They require you to stand up and

1336
00:59:52,320 --> 00:59:55,520
Speaker 1: work from five am until after the polls closed, which

1337
00:59:55,520 --> 00:59:59,919
Speaker 1: here in New York is nine pm exactly, Like where

1338
01:00:00,400 --> 01:00:02,520
Speaker 1: do I bring the baby and just feed him? Like

1339
01:00:02,560 --> 01:00:05,640
Speaker 1: at the pole's what's happening. It's impossible for me so

1340
01:00:05,720 --> 01:00:09,200
Speaker 1: and I understand, but I really was desperate to work

1341
01:00:09,240 --> 01:00:12,000
Speaker 1: as a poll worker because there's a shortage because with COVID,

1342
01:00:12,320 --> 01:00:14,680
Speaker 1: you know, because of the hours. And now I understand this.

1343
01:00:14,800 --> 01:00:16,600
Speaker 1: A lot of the people who are poll workers are

1344
01:00:16,640 --> 01:00:19,600
Speaker 1: older and they are not coming out in droves like

1345
01:00:19,600 --> 01:00:21,960
Speaker 1: they usually do because they're afraid of catching COVID. Who

1346
01:00:22,040 --> 01:00:24,600
Speaker 1: can blame them, But that just means we need people

1347
01:00:24,640 --> 01:00:27,080
Speaker 1: to work as poll workers. So if you're available and

1348
01:00:27,440 --> 01:00:29,160
Speaker 1: if you can work those hours. Maybe it's not that

1349
01:00:29,200 --> 01:00:32,080
Speaker 1: way everywhere, but I was genuinely shocked, and I even

1350
01:00:32,120 --> 01:00:36,600
Speaker 1: emailed her back, say five am to nine to win. No,

1351
01:00:36,680 --> 01:00:38,240
Speaker 1: they don't letch. They wouldn't let me do like a

1352
01:00:38,240 --> 01:00:40,880
Speaker 1: short shift or whatever. So I'm super bummed that I

1353
01:00:40,920 --> 01:00:43,840
Speaker 1: can't be a poll worker. But if you can show up,

1354
01:00:43,880 --> 01:00:46,160
Speaker 1: and here's why it matters. This summer when we were

1355
01:00:46,280 --> 01:00:49,160
Speaker 1: it was a primaries here in our in our area,

1356
01:00:49,480 --> 01:00:52,040
Speaker 1: the line for the polls was insane. My husband went

1357
01:00:52,080 --> 01:00:54,080
Speaker 1: out there for four or five hours standing and that's

1358
01:00:54,120 --> 01:00:57,000
Speaker 1: because due to the shortage of poll workers, they have

1359
01:00:57,120 --> 01:00:59,680
Speaker 1: decreased the number of polling locations. So we went from

1360
01:00:59,680 --> 01:01:02,800
Speaker 1: like places to vote to five, and that means people

1361
01:01:02,800 --> 01:01:04,800
Speaker 1: are like if people have to wait in that long line,

1362
01:01:04,840 --> 01:01:06,920
Speaker 1: if they have babies at home, like I did, I

1363
01:01:06,920 --> 01:01:08,760
Speaker 1: had to go home to my child. I didn't vote

1364
01:01:08,760 --> 01:01:11,720
Speaker 1: in the primary. I don't want that to happen. So

1365
01:01:11,840 --> 01:01:15,320
Speaker 1: if you can show up, volunteer work as a pollwork

1366
01:01:15,360 --> 01:01:17,920
Speaker 1: or whatever you can and help make sure people are

1367
01:01:18,120 --> 01:01:20,560
Speaker 1: able to cast their vote. And if you if you

1368
01:01:20,600 --> 01:01:22,760
Speaker 1: can't do that, at least tell people that they can

1369
01:01:22,840 --> 01:01:26,400
Speaker 1: vote early and help them, you know, figure all that out.

1370
01:01:26,440 --> 01:01:28,560
Speaker 1: Just google your state vote early and figure out how

1371
01:01:28,560 --> 01:01:29,360
Speaker 1: to request about it.

1372
01:01:29,920 --> 01:01:34,080
Speaker 3: Exactly, exactly exactly. I haven't done that in a while.

1373
01:01:34,080 --> 01:01:36,120
Speaker 3: Shout out to Manuel, my husband, sister's husband.

1374
01:01:37,400 --> 01:01:41,000
Speaker 2: Yeah, no, I think that hot child. I mean, I'm

1375
01:01:41,000 --> 01:01:41,400
Speaker 2: not gonna lie.

1376
01:01:41,440 --> 01:01:44,760
Speaker 3: There's a lot of stress bubbling, but I am hopeful

1377
01:01:44,840 --> 01:01:47,040
Speaker 3: that we will pull through and we will be okay.

1378
01:01:47,520 --> 01:01:49,479
Speaker 1: Just got to now it till the third of November, y'all.

1379
01:01:50,000 --> 01:01:52,640
Speaker 3: Exactly. I mean, we had death freedom, so I mean,

1380
01:01:52,680 --> 01:01:55,360
Speaker 3: I think we can make it happen regardless of what happened?

1381
01:01:55,560 --> 01:01:57,720
Speaker 3: You know, folks like just freak give me hope for

1382
01:01:57,800 --> 01:02:00,640
Speaker 3: the future. Yes, yes, you know if but but still

1383
01:02:00,680 --> 01:02:02,200
Speaker 3: can we vote though? Can we get this wile out

1384
01:02:02,240 --> 01:02:04,560
Speaker 3: of office? That'll be nice exactly.

1385
01:02:04,720 --> 01:02:07,160
Speaker 1: All right, Well, I I'll do my brown boost will

1386
01:02:07,200 --> 01:02:09,360
Speaker 1: one big brown boost to anyone who's working the polls

1387
01:02:09,360 --> 01:02:12,280
Speaker 1: this year, but also brown boost prom boost to Tia

1388
01:02:12,280 --> 01:02:14,560
Speaker 1: and to Mary t Marra Mawori. Can we just talk

1389
01:02:14,600 --> 01:02:17,040
Speaker 1: about Sister Sister for one second, which is on Netflix,

1390
01:02:17,080 --> 01:02:21,320
Speaker 1: Please enjoy it. That show is still so good, like

1391
01:02:21,520 --> 01:02:25,000
Speaker 1: twenty something years later. I can't believe how hilarious.

1392
01:02:25,080 --> 01:02:26,400
Speaker 2: Come on, go home.

1393
01:02:29,520 --> 01:02:33,240
Speaker 1: Oh man, I just am so so good. The writing

1394
01:02:33,320 --> 01:02:38,640
Speaker 1: is so on point Jackie Jackie, Yes, Harry, yup Harry,

1395
01:02:38,840 --> 01:02:42,200
Speaker 1: and then Tim Reid and then Marquise Houston or Marquez.

1396
01:02:42,240 --> 01:02:43,840
Speaker 1: I don't know how you say his name, but whatever.

1397
01:02:43,600 --> 01:02:46,440
Speaker 2: Ill Marcus, super simple Marcus.

1398
01:02:46,520 --> 01:02:47,360
Speaker 1: It's not mars.

1399
01:02:48,000 --> 01:02:51,760
Speaker 2: That's how he spells. I know that's it's very but.

1400
01:02:51,800 --> 01:02:55,400
Speaker 1: It's more hilarious. There's so funny, and this is the show.

1401
01:02:55,440 --> 01:02:57,880
Speaker 1: I'm just like, man, I miss black TV. I'm glad

1402
01:02:57,920 --> 01:03:00,680
Speaker 1: that shows like this. I feels like if like Netflix

1403
01:03:00,720 --> 01:03:02,800
Speaker 1: is going out of its way to put more black

1404
01:03:03,720 --> 01:03:06,240
Speaker 1: you know, black led shows on their on their platform,

1405
01:03:06,280 --> 01:03:09,120
Speaker 1: which is you know, why did I till now? But whatever,

1406
01:03:09,120 --> 01:03:11,920
Speaker 1: they're doing it now. So I just if you haven't,

1407
01:03:11,960 --> 01:03:13,720
Speaker 1: if you want to go back to your to your youth,

1408
01:03:13,760 --> 01:03:16,080
Speaker 1: go watch sister Sister. I promise you will not regret it.

1409
01:03:16,080 --> 01:03:17,640
Speaker 1: It's still and.

1410
01:03:17,920 --> 01:03:21,640
Speaker 2: Alice, You'll mil the sister sister. I haven't knew how

1411
01:03:21,720 --> 01:03:22,600
Speaker 2: much I missed you.

1412
01:03:24,480 --> 01:03:26,680
Speaker 1: I'm trying to wait till their colle till they go

1413
01:03:26,720 --> 01:03:29,439
Speaker 1: to college, because that's when they did the new theme

1414
01:03:29,480 --> 01:03:31,760
Speaker 1: song and it was like sexy and grown up and stuff.

1415
01:03:32,400 --> 01:03:33,040
Speaker 2: Yeah.

1416
01:03:33,040 --> 01:03:35,320
Speaker 1: I am my own time, on my own time, all right,

1417
01:03:35,560 --> 01:03:36,760
Speaker 1: I gotta go, I really am.

1418
01:03:37,320 --> 01:03:40,360
Speaker 2: Okay, all right, So what episode number is this?

1419
01:03:40,360 --> 01:03:43,280
Speaker 1: This is well, okay, this is two thirty three, y'all.

1420
01:03:43,440 --> 01:03:47,240
Speaker 1: Two thirty three okay, which is insane. We've done over

1421
01:03:47,280 --> 01:03:48,320
Speaker 1: two hundred shows.

1422
01:03:48,680 --> 01:03:49,360
Speaker 2: That's crazy.

1423
01:03:49,680 --> 01:03:52,960
Speaker 1: All right, y'all, Well catch us next week. Enjoy or

1424
01:03:53,000 --> 01:03:55,080
Speaker 1: interview with Jess Breed. Let us know how you feel

1425
01:03:55,080 --> 01:03:58,280
Speaker 1: about it. Leave us a comment on iTunes, leave us

1426
01:03:58,280 --> 01:04:01,440
Speaker 1: a review, Hit us up on Instagram. We're at the

1427
01:04:01,440 --> 01:04:04,960
Speaker 1: Brown Ambition podcast on Instagram, or you can email us

1428
01:04:05,040 --> 01:04:08,040
Speaker 1: at wait what What's our email? At the BA Podcast

1429
01:04:08,040 --> 01:04:09,160
Speaker 1: at gmail dot com.

1430
01:04:09,320 --> 01:04:11,600
Speaker 3: Yes, so he can tag me like directly at the

1431
01:04:11,640 --> 01:04:13,640
Speaker 3: budget ee step. You're like, girl, you was fanning out.

1432
01:04:13,640 --> 01:04:16,520
Speaker 3: I'm okay with it, supermanos, I'm okay with it.

1433
01:04:16,840 --> 01:04:18,560
Speaker 1: He was fine with it. Who doesn't want to be

1434
01:04:18,600 --> 01:04:20,720
Speaker 1: fond over by your budget need staff