Speaker 1: Hey, ba fam, we are five years into making this
Speaker 1: podcast that we love so much called Brown Ambition, and
Speaker 1: we could not do it without you. We've gone from
Speaker 1: me and Tiffany sneaking around my old office building trying
Speaker 1: to find places to record, and thanks to you, guys,
Speaker 1: we now have one hundred thousand downloads per month for
Speaker 1: this little show called Brown Ambition. We would love to
Speaker 1: ask y'all for a small favor as fans of the show. Tiffany,
Speaker 1: what are we looking for?
Speaker 2: Here's what we'd love from you, guys.
Speaker 3: We already have over a thousand reviews and a five
Speaker 3: star rating on iTunes, but you know it's better than
Speaker 3: one thousand reviews two thousand reviews. If you get head
Speaker 3: on over to iTunes, go to our Brown Ambition page,
Speaker 3: scroll on down to the bottom, subscribe and leave us
Speaker 3: a five star rating and review.
Speaker 1: So subscribe, rate review. Not too much to ask, right, easypas.
Speaker 1: We love you guys, and thank you so much for
Speaker 1: making Brown Ambition what it is. The last five years
Speaker 1: have been amazing and it's all things to you.
Speaker 3: Hey, hey, hey, I can't contain my excitement. Okay, hey Mandy,
Speaker 3: how you doing?
Speaker 1: Damn? I'm so good how are you, Tiffany.
Speaker 3: Oh my goodness, I honestly don't think I've ever been
Speaker 3: this excited before to tape our podcast. I mean, I'm
Speaker 3: always excited. Speaking of which sidebar, I went to a
Speaker 3: children's birthday party this weekend and want to be a
Speaker 3: pen hanging like that. No, and it's real quick because
Speaker 3: this is important. And I went to this children's birthday party.
Speaker 3: I walked in this lady said, I was.
Speaker 2: Just listening to Brandon bish and tell me Mandie.
Speaker 3: I said hi, And I was like, what at this
Speaker 3: nine year old birthday party? So I just had to
Speaker 3: tell you that that she said Hi.
Speaker 2: She was really nice.
Speaker 3: But it's just yeah, so we're everywhere just to tell
Speaker 3: you we're at children's birthday parties. So yes, I'm excited
Speaker 3: because we have a special guest today and I can't
Speaker 3: even focus on anything else.
Speaker 1: I did not know what a stand you were.
Speaker 3: What this is I'm trying to think, is to anybody
Speaker 3: in the finance world that I want to talk to more?
Speaker 3: Isn't h Actually he's definitely top three for me. I
Speaker 3: don't even know the other two. Like, I don't even
Speaker 3: know the other two. I'm just saying top three, because
Speaker 3: I don't want to see him crazy by saying my
Speaker 3: number one.
Speaker 1: Well, I'm so excited too, you guys should I let's
Speaker 1: let's get to it. Our guest today is the fabulous
Speaker 1: Just Breet Sing, the founder of the Minority Mindset, which
Speaker 1: has basically become like a financial education empire. If we can, yes,
Speaker 1: we can say that Sure started as a YouTube channel
Speaker 1: four or five years ago. Hmmm. Also celebrating our five
Speaker 1: year anniversary. So I feel like our journeys have been
Speaker 1: in tandem. But Jos brit started his YouTube channel in
Speaker 1: twenty fifteen. It has blown up. He's got hundreds of
Speaker 1: thousands of subscribers, he's got a massive Instagram following. But
Speaker 1: he also has really at the heart of Minority mind
Speaker 1: Set is financial education. So he has a very successful blog,
Speaker 1: a newsletter that I actually signed my husband up for,
Speaker 1: you know, like I was like, babe, listen to you know,
Speaker 1: get this newsletter, and I just like put an email in.
Speaker 1: Now he loves his newsletter. I feel like, next to
Speaker 1: Robin Hood Snacks and the Minority Mindset newsletter, I'm set
Speaker 1: for the day. Yeah, I got my you know, I
Speaker 1: got my financial news all covered. So just is here
Speaker 1: with us.
Speaker 3: My gosh, if the word geeked was in the dictionary,
Speaker 3: it'd be my face right now. Like you have no idea,
Speaker 3: like bother I loved, you have no idea? What another? Yes,
Speaker 3: I well, you know what it is I love about
Speaker 3: him is that one another brown financial educator who actually educates,
Speaker 3: Like he has this passion for teaching and you know,
Speaker 3: like the teacher me, I'm like a teacher snob. So
Speaker 3: I can tell when someone's a good teacher and actually cares.
Speaker 3: You could tell one that he really cares too. He's
Speaker 3: a really good teacher because he takes these concepts that
Speaker 3: can be really overwhelming and daunting and makes them easy
Speaker 3: to understand.
Speaker 2: And what I really love is that Josspree his.
Speaker 3: Information is different in that like I focus on like
Speaker 3: basic financial education like budgeting and saving and debt, and
Speaker 3: someone like Sandy's side hustles, and someone like Tila sucks.
Speaker 3: But Josh Breed really hones in on like economics. He's
Speaker 3: like an economics professor that is fun and engaging, and
Speaker 3: you get to learn about like money in this personal sense,
Speaker 3: but what does it mean out there in the world?
Speaker 3: And then how do you bring it back to you,
Speaker 3: like I've never I've never seen that before, you know,
Speaker 3: all the financial educators that I've seen in the way
Speaker 3: that someone can teach modern economics in the way that
Speaker 3: it's personal. So yeah, I just screaming. I'm going to
Speaker 3: calm down now, like when he's on, I'm not going
Speaker 3: to be normal.
Speaker 2: I'm going to be normal.
Speaker 1: Well, if you don't yet, go and follow Josh Breed's
Speaker 1: YouTube channel. It's the Minority Mindset and he we'll let
Speaker 1: him explain the meaning behind the minority mindset. May not
Speaker 1: be what you think, but it's one of my favorite
Speaker 1: things about his channel, you know, and really his point
Speaker 1: of view, which I'm really interested to talk about. And
Speaker 1: he and Tiffany have like everything in common, so I
Speaker 1: think we're like a little financial guru. Matchmaking is happening here,
Speaker 1: you know, not like that, Like no, like he's more
Speaker 1: like my friend.
Speaker 2: He's my financial brother or cousin.
Speaker 1: Yes, Josh Bred's going to talk about how he got
Speaker 1: his start in financial literacy education, and like anyone that
Speaker 1: we know in this business, it started with kind of
Speaker 1: a sad story, but he bounced back and now he
Speaker 1: is bringing his education to the masses and We're going
Speaker 1: to talk with him next on the show before we
Speaker 1: do that. What about us tivity? These days?
Speaker 2: I don't even know.
Speaker 3: I'm like, who cares now, I'm just doing What is
Speaker 3: what is going on?
Speaker 2: Honestly, I don't know. You know, I'm not gonna lie.
Speaker 2: I'm so distracted. I'm like, what's going with my life?
Speaker 2: I'm breathing?
Speaker 1: I ate the Yeah, I honestly, we're laboring on labor day?
Speaker 1: What's wrong with us?
Speaker 2: I know it's okay though, that's fine, it's for a
Speaker 2: good cause. But what about you?
Speaker 3: What's going I can't even think of anything new in
Speaker 3: my life right now other than this, So what about you?
Speaker 1: I usually rely on you for all the excitement. My parents, well,
Speaker 1: my mom and my stepdad were in town all week long,
Speaker 1: and I feel like I barely saw them because of course,
Speaker 1: I was taking advantage of all that free childcare to
Speaker 1: do as much work as I possibly could, and part
Speaker 1: of that week I spent working on the show. You guys,
Speaker 1: we are so close. The brun Ambition merch Store is
Speaker 1: like ninety nine point nine percent ready to go. In fact,
Speaker 1: maybe by this week's episode there will be a place
Speaker 1: where you can finally get your Brown Ambition t shirts, okay,
Speaker 1: and onesies. There may be a coffee mug. There may
Speaker 1: be a tote bag. We'll see. So I've been working
Speaker 1: on the virtual store, let's see. On top of booking
Speaker 1: today's esteemed guest just for saying, I also booked a
Speaker 1: couple other guys, Tiffany, he was not asking you, I did.
Speaker 1: This month is going to be major. So we have
Speaker 1: Lynette Californi Cox rejoining our lib right. She's like the
Speaker 1: og guest of Brown Ambition, and I figured there was
Speaker 1: no better way to celebrate our upcoming five year anniversary
Speaker 1: than having one of our faves back on the show.
Speaker 1: But Lynette is going to talk about all about how
Speaker 1: she and her husband Earl. I don't know if you
Speaker 1: follow them on Facebook, but every other week she's like,
Speaker 1: we just buy Oatman property. Yes, they make six of
Speaker 1: you know, our six property.
Speaker 2: Yeah.
Speaker 1: So I'm like, Lynette, you have got to and she
Speaker 1: hasn't really you know, been talking about their journey to
Speaker 1: real estate, you know, uh, entrepreneurship. So I'm really excited
Speaker 1: to have her, and we're going to focus all about
Speaker 1: because we do get these questions a lot from listeners.
Speaker 1: You know, what do you guys think about, you know,
Speaker 1: investing in real estate and having an income property and
Speaker 1: how that how that all works. But Lynette is really
Speaker 1: doing it, So I'm excited to have her on. I
Speaker 1: think she's going to be on in a couple of weeks.
Speaker 1: And then we also have doctor Emani. She's from a
Speaker 1: show called Married to Medicine, and she's going to be
Speaker 1: joining us to talk about mental health as you guys know,
Speaker 1: like we're all we're just I mean, Tiffany and I
Speaker 1: are pretty transparent about, you know, what we do to
Speaker 1: cope with life, and therapy has been a big part
Speaker 1: of my life and I know right now in this
Speaker 1: in these crazy times, mental health is so important and
Speaker 1: doctor Mooney is a black woman in mental health really
Speaker 1: helping to remove the stigma, and we're gonna have her
Speaker 1: on to talk about how we can all cope with
Speaker 1: the insanity of today's world a little bit better. So
Speaker 1: look out for an interview with doctor Amani coming up
Speaker 1: in September as well.
Speaker 2: Yeah, we're busy beavers.
Speaker 1: Busy beavers. I know, how do you feel about five years?
Speaker 2: Jessfree just messes me, he said, Hey, Tiffany, it's just free.
Speaker 1: Okay, I'm done. You distracted. I can't even talk to
Speaker 1: you right now.
Speaker 2: All right, I'm gonna I'm gonna screenshot it so I.
Speaker 1: Can't rid be cool. Dang now I'm gonna have to
Speaker 1: play it cool.
Speaker 2: You will, girl, it's alway gonna be I'm not playing
Speaker 2: it cool. I'm gonna fan out.
Speaker 3: Okay, No, but yes, are we doing a biogram? Or
Speaker 3: that was basically we're gonna die?
Speaker 1: That was basically the did I not do no?
Speaker 2: No, you did get a job.
Speaker 1: I'm sorry.
Speaker 2: I'm just flustered.
Speaker 3: And for those of you who are like, oh my god,
Speaker 3: no there is I mean, just you know, I guess
Speaker 3: he's a good looking guy, and ain't about that. It's
Speaker 3: just to find somebody who's like a kindred spirit in
Speaker 3: financial education is not an easy thing. So yeah, that's
Speaker 3: what I'm just so geeked aback because it's like this
Speaker 3: is somebody who I really listen to and think, like, wow,
Speaker 3: I've learned so much because I'm to me, a good
Speaker 3: teacher is a better learner, a better student, and so
Speaker 3: like you know, through him, I've been able to just
Speaker 3: learn so much.
Speaker 2: So it just feels like, oh, my god, my teacher's here,
Speaker 2: so I'm excited.
Speaker 1: Okay, well let's get to it. Let's take a quick break.
Speaker 1: Tiffany needs to get a glass of water, maybe like
Speaker 1: reapply her toyodorant, and I feel I can like feel
Speaker 1: this sweatingness. Fine, I'm alright, be right back, but I'll
Speaker 1: speak saying from the minority mindset.
Speaker 2: And we're back.
Speaker 3: So you guys heard my intro. Joss bried has not
Speaker 3: heard my intro yet, so he's not properly embarrassed as
Speaker 3: he will be later. I am so excited, I mean
Speaker 3: because they don't ever hear me. I mean, I'm excitable easily,
Speaker 3: but they don't hear me. Gush about another financial educator.
Speaker 3: But I'm super geeked because to find someone who is
Speaker 3: as excited about personal finance as I am. But also
Speaker 3: it's a really good educator. Just brit I used to
Speaker 3: be a school teacher for ten years before I started
Speaker 3: the Budgetista.
Speaker 4: Oh wow, that's amazing.
Speaker 2: And so just like.
Speaker 3: Listen to your your your YouTube channel literally every morning.
Speaker 3: It's like one of the ways I start my day.
Speaker 3: I've gotten that's like all my sisters listen, especially my
Speaker 3: sister Carol.
Speaker 2: So much so that my three year old niece Amelia
Speaker 2: is like, just.
Speaker 4: Free I get Oh my god, that's awesome.
Speaker 2: Yeah. So I'm just really excited.
Speaker 3: You are awesome and amazing and if you guys have
Speaker 3: not subscribed to his YouTube channel, we highly encourage it.
Speaker 3: Its minority mindset on YouTube. And yeah, let's get this
Speaker 3: party started.
Speaker 4: You are awesome, Thank you so much.
Speaker 1: Loved we're having on the show. I think Tip and
Speaker 1: I have both been kind of fanning out or standing
Speaker 1: out for you for a while and then we realize
Speaker 1: we both watch you, so we had to have you
Speaker 1: on Just Bree. I want for people who don't know
Speaker 1: about the minority mindset and what that means. Can you
Speaker 1: just quickly explain what you mean by the minority mindset
Speaker 1: and how it applies to your financial philosophy.
Speaker 5: Yeah, So, the minority mindset has nothing to do with
Speaker 5: the way you look, your ethnicity or your skin color.
Speaker 5: It's the mindset of thinking differently than the majority of
Speaker 5: people when it comes to you money. So I say,
Speaker 5: like the majority people have what I call like a
Speaker 5: consumer mindset spend spend spend. I try to teach and
Speaker 5: help people develop more of a minority investor mindset where
Speaker 5: it's more of, okay, how do I use my money
Speaker 5: as a tool to kind of help build my wealth
Speaker 5: and started making everybody around me rich.
Speaker 2: Now we love that. How did you get into teaching
Speaker 2: financial education?
Speaker 1: Like? How?
Speaker 3: Because I know you are an attorney by or by trade,
Speaker 3: and I love the fact that you're always like, you know,
Speaker 3: I'm an attorney, but I'm not your attorney. I'm like
Speaker 3: such an attorney thing to say, like don't suit me,
Speaker 3: so your grandma, But yeah, so how are you still
Speaker 3: an actively practicing attorney?
Speaker 2: But yeah, how did you make that transition?
Speaker 1: So?
Speaker 5: Uh no, I do not actively practice in that sense.
Speaker 5: It was kind of so. I grew up in a
Speaker 5: very traditional Indian household. When I was growing up, I
Speaker 5: was told that I need to become a doctor. That
Speaker 5: was kind of like the only thing that I was taught,
Speaker 5: Like from the day I was born. I was taught
Speaker 5: to study science and math so that way I can
Speaker 5: get into medical school. And when I say that my
Speaker 5: parents were strict about me getting into medical school, I
Speaker 5: mean they were very very very strict. Like when I
Speaker 5: was in eighth grade, my parents got me a tutor
Speaker 5: not to help me with my English class that I
Speaker 5: was struggling with. But to help me get into medical school,
Speaker 5: they got me an MCAT tutor, which is the thing
Speaker 5: that people take to get into medical school when they're
Speaker 5: finishing college. So my parents were very serious about me
Speaker 5: going into medicine. But I've always sort of had this
Speaker 5: like entrepreneurial mindset. When I was in high school, I
Speaker 5: started working at weddings. I used to play this Indian
Speaker 5: drum called the Old and I would play this at
Speaker 5: weddings and I got to know a lot of DJs.
Speaker 5: And then my junior and senior year in high school,
Speaker 5: I started actually hosting teen parties for kids in my
Speaker 5: high school and this was kind of my first real
Speaker 5: exposure to entrepreneurship. And I went to college thinking that
Speaker 5: everybody goes to college to study. Like I thought people
Speaker 5: would spend their Friday nights in the chemistry lab doing
Speaker 5: reactions and with things like this, and everybody was partying.
Speaker 5: Now I don't. I never drink. I was never really
Speaker 5: into partying. It was more just a business for me.
Speaker 5: But I needed something to do on Friday nights. So
Speaker 5: I took my high school kind of teen party business
Speaker 5: into college and I started this college party business. And
Speaker 5: that's when I really started developing this minority mindset because
Speaker 5: the majority of people were partying and blowing all their
Speaker 5: money at parties, and all of a sudden, now I
Speaker 5: was making pretty decent money in college without a degree,
Speaker 5: because I don't know that was possible. And that's when
Speaker 5: I started thinking, Wow, what happens when you think differently
Speaker 5: than the majority of people. So I never grew up
Speaker 5: learning about money. I never grew up learning about entrepreneurship,
Speaker 5: I never grew up learning about business. I actually had
Speaker 5: to do all of this kind of like in secret,
Speaker 5: because I don't want my parents to know that I
Speaker 5: was doing business, right. I needed them to think that
Speaker 5: I was going to become a doctor. And so now
Speaker 5: I was starting to make money, and I had money
Speaker 5: in the bank for the first time, and so I
Speaker 5: started reading books about investing, and that's when I started
Speaker 5: learning more about real estate investing and stock market investing.
Speaker 5: And that's when I started learning all this stuff about
Speaker 5: money that I had never been exposed to before. So
Speaker 5: it was like this kind of like almost like mind
Speaker 5: shock because I don't even know this world of like
Speaker 5: money management and investing in passive income even existed.
Speaker 1: So are we we're not outing you to your parents
Speaker 1: right now? Or do they do they know who you are?
Speaker 1: Just free? Do they know? Do they know about them?
Speaker 1: Manuwerey mindset?
Speaker 4: They know?
Speaker 5: No?
Speaker 4: Yeah, it was how do they feel about it? Now?
Speaker 4: They love it?
Speaker 5: You know now It's like at first it was a
Speaker 5: big shock. It took my mom years to really get
Speaker 5: over that idea that her son wasn't going to become
Speaker 5: a doctor. But now they're like, wow, okay, so I
Speaker 5: guess this. This did work. So it took some time,
Speaker 5: but you know, it was one of those things where
Speaker 5: you know, my parents were never exposed to it either.
Speaker 5: You know that like most of us, I don't think
Speaker 5: we're ever exposed to financial education, money management, and investing,
Speaker 5: so we don't know what that even means, or that
Speaker 5: it what that entails.
Speaker 1: Do you find that they come to you for advice?
Speaker 2: Now?
Speaker 1: Are you the family financial guru?
Speaker 4: Oh? Yeah, yeah.
Speaker 5: So I'm help with my dad because you know, all
Speaker 5: of a sudden, it's like what is retirement?
Speaker 4: How do you plan for retirement? What is investing? So
Speaker 4: I've been helping my dad with all of that, and
Speaker 4: you know.
Speaker 5: It's it's funny how things have kind of come full
Speaker 5: circle because in the beginning they're like, you know, don't
Speaker 5: worry about money. If you just get a good job,
Speaker 5: then nothing else matters. But now it's like, wait, no,
Speaker 5: it doesn't work like that. You have to understand your
Speaker 5: money if you want to be able to live a
Speaker 5: good life no matter what you do.
Speaker 3: No, and just I can totally relate my my parents
Speaker 3: were born and raised in Nigeria, and it was like
Speaker 3: you could be a doctor, a lawyer, a pharmacist.
Speaker 2: Everything else is a drug dealer.
Speaker 3: Yeah, so they were delighted when I became a school teacher,
Speaker 3: absolutely thrilled. They were just like, what you're dealing drugs now?
Speaker 3: So now they love the fact that I'm the budgetista.
Speaker 3: But it took many, many years and success for them
Speaker 3: to be okay with it.
Speaker 4: I get it, I get it.
Speaker 5: Yeah, It's just one of those things where you know,
Speaker 5: it's just it's not something we're used to. It's out
Speaker 5: of the ordinary, right, but it's so important, and I
Speaker 5: think a lot of people don't get that, Like, you
Speaker 5: can do whatever you want if you understand money. I mean,
Speaker 5: at that point, if you have the income and you
Speaker 5: have the resources to support it. Then you know you
Speaker 5: have nothing holding you.
Speaker 1: Back, all right, and you wish so much that you
Speaker 1: had known it when you were younger. What are some
Speaker 1: of the Well I kind of know the answer this
Speaker 1: question already, And in fact, the party re story that
Speaker 1: I love the most is similar to Tiffany's story and
Speaker 1: how she started, which Tiffany talked about for people again,
Speaker 1: of course, sort of your story and how you I
Speaker 1: don't know what you call a business scam? What happened
Speaker 1: to you earlier?
Speaker 3: Yeah, a scam? So a quote unquote air quotes. I
Speaker 3: know a friend of mine, but that's okay because he's
Speaker 3: in jail now.
Speaker 2: Hey, jail friend.
Speaker 4: Oh wow, So it.
Speaker 2: Was a scam.
Speaker 3: I was in my twenties, and that's back when you
Speaker 3: believe that when people look like they have money, they
Speaker 3: have money. Yeah, and so I wanted. I was a
Speaker 3: preschool teacher. I was really good at saving, really good
Speaker 3: at budgeting. I saved like half my income every year,
Speaker 3: and I bought a condo when I was twenty five.
Speaker 3: I was what I called financially perfect, right, so great
Speaker 3: credit score savings. But I honestly, my father was a
Speaker 3: CFO in, an accountant of a small nonprofit. So I
Speaker 3: grew up with financial education, so I was just doing
Speaker 3: what he told me to do. I was not I
Speaker 3: didn't have any real knowledge. I was just like, well,
Speaker 3: what do I do next? You know, like the dutiful,
Speaker 3: you know, immigrant second first generation daughter, right right. And
Speaker 3: then one day I said, I'm going to take it
Speaker 3: into my own hands, and I reached out to a
Speaker 3: friend who I thought was wealthy, and he subsequently scanned
Speaker 3: me and it left me thirty five thousand dollars in
Speaker 3: credit card debt, in which I never had yes credit
Speaker 3: card debt before. I didn't even tell my parents until
Speaker 3: literally years later into my thirties.
Speaker 5: Wow.
Speaker 2: I was so like.
Speaker 3: Afraid, you know, and ashamed honestly. So yeah, that was
Speaker 3: what triggered. So as I was digging my way out
Speaker 3: other friends, it happened right before and really right during
Speaker 3: the two thousand and eight two thousand and nine WE sessions.
Speaker 2: So it was like the worst luck.
Speaker 3: So I lost my job, I have to scam, now
Speaker 3: I'm going to foreclosure. It was everything that could go
Speaker 3: wrong went wrong. But as I was fixing myself, I
Speaker 3: realized that there were other people that were struggling too,
Speaker 3: so the teacher in me was like, well, Tiffany, you teach,
Speaker 3: why not just help your friends? And then they brought
Speaker 3: their friends and they brought their friends. So that was
Speaker 3: like the advent of the budgetista my business. And Mandy said,
Speaker 3: you experienced like a scam that kind of triggered your
Speaker 3: journey to financial education.
Speaker 4: Yeah, well, well, first off, that sucks.
Speaker 5: I you know, stories like that are always you know,
Speaker 5: it's great that you had that entrepreneurial mindset where it's
Speaker 5: just like, you know, what do I do about this?
Speaker 5: Instead of complaining about it, doing something about this, So
Speaker 5: props to you. That's that was amazing for me. It
Speaker 5: was actually very similar. I've always been that entrepreneur person
Speaker 5: too and kind of didn't really have much guidance, never
Speaker 5: really had someone to talk to about entrepreneurship or money
Speaker 5: management or investing. And I had this sock business that
Speaker 5: I started and I was getting ready to launch it,
Speaker 5: and this marketing company came up to me and they
Speaker 5: were like, hey, let us handle your marketing and we're
Speaker 5: going to get you all the sales, all the marketing,
Speaker 5: and we guarantee you're going to see all the success
Speaker 5: and if you don't, we will give you all your
Speaker 5: money back. So I was skeptical, naturally, but you know,
Speaker 5: this kind of money back guarantee was reassuring. So I
Speaker 5: was like, all right, you know what do I get
Speaker 5: to lose? So I handed these guys a lot of money.
Speaker 5: It wasn't thirty five thousand dollars, but it was a
Speaker 5: lot of money to me at the time. And the
Speaker 5: day after I sent them the money, I was in
Speaker 5: the gym and I remember this because I was I
Speaker 5: really like working out. I'm a big gym person, and
Speaker 5: so I started to kind of get this weird feeling
Speaker 5: in my stomach as I was doing the chest fly,
Speaker 5: and I was like, I don't know, something just doesn't
Speaker 5: feel right in me. So I called up the guy
Speaker 5: that I gave the money to, like twenty four hours later,
Speaker 5: and I was like, hey, man, I know that I
Speaker 5: said that you guys would do the marketing, but you know,
Speaker 5: let's just cancel it right now before you guys actually
Speaker 5: spend any money on advertising and marketing.
Speaker 4: I want to do a refund.
Speaker 5: I want to do it all myself, So let's just
Speaker 5: end it before you guys spend any money that way.
Speaker 5: You know, no hard feelings let's just kind of move on.
Speaker 5: So he was like, all right, no problem. He puts
Speaker 5: me on hold, and I was getting really ititated because
Speaker 5: you know, I'm it's just like delaying my workout. This
Speaker 5: has taken a lot longer than expected because I'm I'm
Speaker 5: on hold for like a long time now, and eventually
Speaker 5: the phone just goes beep beep, beep be So I
Speaker 5: was like, yeah, something's wrong. So I called up the
Speaker 5: other two numbers that I had. Nobody picks up, nobody
Speaker 5: emails me, no one responds to me. Everyone stops responding
Speaker 5: to every single message that I have. So I contact
Speaker 5: an attorney and I found out I was scammed. So
Speaker 5: I was like, all right, what do I do now?
Speaker 5: You know, I launched the business. We had an amazing launch.
Speaker 5: We did, like I forgot. There was like twenty some
Speaker 5: thousand dollars in the first month of pre sales of
Speaker 5: our socc business. But I still had that feeling like,
Speaker 5: you know, that sucks, Like there's a lot of honest
Speaker 5: entrepreneurs out there trying to do something, trying to understand
Speaker 5: kind of how to take care of themselves, but don't
Speaker 5: necessarily know everything. So you're more susceptible to scams and
Speaker 5: getting screwed over like this.
Speaker 4: So I was like, you know, what can I do?
Speaker 5: So I went on you Demi, and I put out
Speaker 5: this course and how to launch of business without getting
Speaker 5: screwed over, and I called it the Minority Mindset because
Speaker 5: at that time, I was like, you know, entrepreneurship is
Speaker 5: all about the minority mindset, is thinking different than the
Speaker 5: majority people. And we had all this traction, We had
Speaker 5: all these students sign up for it and we're loving it.
Speaker 5: And they were like, hey, just breath. You should go
Speaker 5: on social media. And I was like, all right, and
Speaker 5: I don't know too much about digital marketing or anything
Speaker 5: at the time, So I created an Instagram page called
Speaker 5: Minority Mindset where I just started posting quotes and kind
Speaker 5: of just random tips about money management and starting a business.
Speaker 5: And then I had a lot of comments and messages
Speaker 5: from people saying, hey, you should start a blog or
Speaker 5: you should start a podcast, and I was like, I
Speaker 5: can't start a blog. English is my second language. I
Speaker 5: suck at writing, so no, that's not going to happen. Podcasting.
Speaker 5: I don't even know what a podcast was, So I
Speaker 5: was like, yeah, I can't do that. But I do
Speaker 5: like YouTube, and I see a lot of people on YouTube.
Speaker 5: I like watching YouTube. Maybe I can make YouTube videos.
Speaker 5: I know how to talk. So I started making videos
Speaker 5: under the title Minority Mindset, where I just talked about
Speaker 5: things that I wish I knew when I was younger.
Speaker 5: I talked about money management, talked about entrepreneurship. And slowly
Speaker 5: this started to grow, and you know, a year and
Speaker 5: a half or so, a couple of years later, we
Speaker 5: had grown to over one hundred thousand subscribers. And now
Speaker 5: all of a sudden, we were building a brand. And
Speaker 5: I don't even know that that's what I was doing.
Speaker 5: I was just this is something that I was doing
Speaker 5: as a hobby, just because I was so kind of hurt.
Speaker 4: By the scam, and now this is what I do.
Speaker 2: That's yeah.
Speaker 1: At the time, I mean, how were you what was
Speaker 1: your source of income then? And then when did you realize, Okay,
Speaker 1: I can really sustain myself with the minority mindset.
Speaker 5: So when I started a Minority Mindset when I was
Speaker 5: in law school. Actually, so I was in law school,
Speaker 5: I was doing the soccer business, and I was doing
Speaker 5: a lot of stuff in real estate.
Speaker 4: So I was a real estate investor.
Speaker 5: I used to do real estate whole stale, I think,
Speaker 5: and I was a real estate salesperson, so I was
Speaker 5: kind of doing a whole bunch of things at once.
Speaker 5: And the kind of fork I ran into was right
Speaker 5: around the one hundred thousand subscriber mark.
Speaker 4: With Minority Mindset, we weren't making a lot of money,
Speaker 4: but it was.
Speaker 5: It was kind of a weird situation because the sock
Speaker 5: business I had was making decent money. It was making
Speaker 5: a we were we were, you know, a solid business.
Speaker 5: But the problem was it was a special kind of
Speaker 5: athletic sock that I had created, but our patent was denied.
Speaker 5: So I had to kind of decide, Okay, do I
Speaker 5: want to go the route of building a sock brand
Speaker 5: where you know, I love starting a business, but I'm
Speaker 5: not so passionate about socks. I really wanted to license
Speaker 5: the technology, but that wasn't really going to work because
Speaker 5: we didn't get approved for this patent. But Minority Mindset
Speaker 5: I had a real passion for. Like I loved teaching,
Speaker 5: I love money management. I loved talking about entrepreneurship and
Speaker 5: financial education. This is like something I really really enjoy
Speaker 5: doing because this is something I wish I knew when
Speaker 5: I was growing up, but we weren't making that much money.
Speaker 5: So I decided to go all in with the minority
Speaker 5: mindset just because, you know, I was like, this is
Speaker 5: something that I would love to do for the rest
Speaker 5: of my life. I don't really know what I was
Speaker 5: going to do with it, but that's the direction that
Speaker 5: I went. So, you know, I had luckily, I had
Speaker 5: REALI investments. I was doing real estate and and the
Speaker 5: SoC business was making money at the time. So then
Speaker 5: I kind of transferred over to minority mindset, not knowing
Speaker 5: what was going to happen. But I was also in
Speaker 5: law school, so I had very little expenses when I
Speaker 5: was starting off, and then it grew from there and
Speaker 5: now we are. We kind of transformed into a financial
Speaker 5: media company where we do financial news and financial education
Speaker 5: and yeah, so that's how it kind of grew.
Speaker 1: I would so I can't get the socks, it's what you're.
Speaker 4: Saying, Yeah, we stopped selling the socks.
Speaker 3: Well, I'm curious as a business owner, I'm curious, like
Speaker 3: what are yours for the for the minority mindset, Like
Speaker 3: what are your streams of income? Like we're and then
Speaker 3: of the of your streams of income, what's bringing in
Speaker 3: the most.
Speaker 1: Yeah, we get real personal here. We shoulders and stuff
Speaker 1: I want to know.
Speaker 5: We have absolutely so, so most of our income, I
Speaker 5: would say eighty percent of our income comes from other
Speaker 5: brands and sponsors and advertisers. So what I mean by
Speaker 5: that is, so we have kind of a few different channels.
Speaker 5: We could say kind of two phases to our company.
Speaker 5: We have a financial news division and a financial education division.
Speaker 5: The news division is our daily financial news that are
Speaker 5: where we just kind of come over what's going on
Speaker 5: in the financial news. The education side is a mix
Speaker 5: of our website and then social media and YouTube.
Speaker 4: So eighty percent of our.
Speaker 5: Revenue comes from our brand partners and sponsors. So these
Speaker 5: are companies.
Speaker 4: That we work with.
Speaker 5: So we do a lot of education of how to
Speaker 5: use your money and also financial products. So we talk
Speaker 5: about things like mortgage refinancing, or we talk about stock brokerages,
Speaker 5: or we talk about life insurance, or we talk about
Speaker 5: credit cards. So we have partnerships with companies in all
Speaker 5: of these kind of services and that's how we drive
Speaker 5: revenue from there. And then on the education side, we
Speaker 5: do have a couple of courses that we sell as well.
Speaker 5: But though that's kind of like something that's in the
Speaker 5: back burner, not really the back burner, but that's like
Speaker 5: a smaller part of our business.
Speaker 4: That's twenty percent of our revenue.
Speaker 1: Okay, I feel like you and Teffany need to talk.
Speaker 2: Yeah, because it's literally.
Speaker 1: The Literature Academy is a major and I feel like
Speaker 1: we need a minority mindset.
Speaker 3: It's the opposite for me, like our educational I have
Speaker 3: an online school that makes eighty percent of the income,
Speaker 3: and then my partnerships and affiliate marketing and things like
Speaker 3: that that's about twenty percent. But I made that kind
Speaker 3: of intentional because the Budgetista, which is my original brand,
Speaker 3: is I didn't want to. I didn't want it relies
Speaker 3: so heavily on me being me, which is cool, but
Speaker 3: I didn't. I was thinking, like ten twenty years from
Speaker 3: now when I want to be like, you know, not
Speaker 3: the face of the business. Then what So I started
Speaker 3: an online school that you know that I used my
Speaker 3: Budgetista brand to drive to my Liberature Academy, and so
Speaker 3: that makes a good amount of mind. We just actually hit,
Speaker 3: We're we just hit this year our first seven figure
Speaker 3: month also, so yeah, it's crazy.
Speaker 2: I'm like, I used to be a preschool teacher. Now
Speaker 2: of course my parents are like, yeah, I do it
Speaker 2: so good. I'm so proud of you.
Speaker 3: I'm like, oh really, because five years ago you were like.
Speaker 2: Wait, it is your job Odoci, that's my African name.
Speaker 4: Yeah. Yeah, we need to talk after the call.
Speaker 3: Yes, we do because I think that Yeah, I mean,
Speaker 3: I think that what you guys are doing is amazing
Speaker 3: because what I don't understand is how many people do
Speaker 3: you have working for you? Because I'm honestly signed up
Speaker 3: for everything. I just like, I read all the newsletters.
Speaker 3: I was like, I can't believe he has this whole curriculum.
Speaker 3: I signed up for the investment class, which I have
Speaker 3: not taken. Well, I've done all like jsfree. I'm a
Speaker 3: stand I'm holding it in. You have no idea.
Speaker 2: I'm like, this is me.
Speaker 1: Do you have the socks?
Speaker 2: No, that's the only thing I'm missing.
Speaker 5: I'll send you a parent might have a couple left over.
Speaker 5: I'll send you one of the special edition ones.
Speaker 2: So I guess the question is like, I know how much.
Speaker 3: Work it takes, and like what size is your team?
Speaker 3: Because the quality and the consistency of your content is unmatched.
Speaker 3: So yeah, I would love to know a little bit
Speaker 3: more about you, like your team and how does that work.
Speaker 4: Yeah, so we're actually hiring a lot right now, so
Speaker 4: we are we are about to be.
Speaker 5: We have a mix of kind of our remote people,
Speaker 5: we have some freelancers, and then we have our in
Speaker 5: office team. So total, I would say we're something close
Speaker 5: to thirty people something around there, So you know, it's
Speaker 5: some more people are mixed. So some more people are
Speaker 5: full time in the office, some more people are full
Speaker 5: time remote, so it's kind of a bread blend in that.
Speaker 5: I would say by the end of the year, we'll
Speaker 5: have about ten people in the office perfectly that are
Speaker 5: you know, always there. Then we have another twenty to
Speaker 5: twenty five people, maybe thirty that are remote.
Speaker 4: Fully.
Speaker 1: It's interesting that you say that you know you're not
Speaker 1: a good writer, because my favorite apart from your YouTube,
Speaker 1: I love your newsletter in the mornings, man, So how
Speaker 1: much of that is you?
Speaker 5: So I would help with kind of coming up with
Speaker 5: the content ideas. The writing is our awesome writers. I
Speaker 5: am not involved with the writing much at all.
Speaker 1: It's good to know your strength.
Speaker 4: That's okay, Yeah, you don't want to read my writing
Speaker 4: here writing. You want to know what is going on?
Speaker 5: Is this got talking about the stock market or the
Speaker 5: real estate market? I have no idea what he's talking about.
Speaker 1: Well, you do such a great job, I mean talk,
Speaker 1: you know, just it's a real talent to be able
Speaker 1: to explain concepts without writing, like, without taking time to
Speaker 1: think them through. I'm not that I'm saying your stuf
Speaker 1: isn't thought through, but you know what I mean, like
Speaker 1: to be able to vocalize these topics and make them truly,
Speaker 1: you know, accessible to people, because, like you said, a
Speaker 1: lot of people don't understand this. You have to approach it,
Speaker 1: you know, from from the from the ground floor. Yeah,
Speaker 1: but let's we talked a little bit about passive income.
Speaker 1: You know, you have your real estate business. A lot
Speaker 1: of people right now, this is this is tied together,
Speaker 1: I promise. I want to first talk about your favorite
Speaker 1: passive income strategies and then kind of talk about how
Speaker 1: people are kind of using the stock market to create
Speaker 1: some passive income which may or may not be the
Speaker 1: best you know, idea for the majority of people. If
Speaker 1: you can go back to that, you know, my minority
Speaker 1: majority contradiction but yeah, talk about passive income streams what
Speaker 1: you sort of have, what has worked for you, and
Speaker 1: what you you know, think could work for others, and
Speaker 1: then you know how how you would talk to folks
Speaker 1: thinking about getting into the market these days.
Speaker 5: So you know, I think the first thing is kind
Speaker 5: of defining what passive income is, because I think a
Speaker 5: lot of people have a misconception as to passive income. Like,
Speaker 5: for example, there's a lot of ads out there like, oh,
Speaker 5: start this online store. It is completely passive, even though
Speaker 5: you have to manage it for five hours every single day.
Speaker 4: So I don't consider that passive income.
Speaker 5: When I think of passive income, I think of my
Speaker 5: real estate investments where I own a house or an
Speaker 5: apartment complex. I do the renovation, I get it fully
Speaker 5: rent ready, and then I hand over the keys to
Speaker 5: my property management company. And after that I let them
Speaker 5: take care of the entire property, all tenant management, all
Speaker 5: tenant relations, everything agency. And then I just kind of
Speaker 5: every month I look at our statements, so I look at,
Speaker 5: you know, how much rent do we receive, what was
Speaker 5: the maintenance requests and everything kind of in between. That's
Speaker 5: what I call passive income. So for me, my favorite
Speaker 5: is real estate. I love real estate investing. That is
Speaker 5: kind of like my number one favorite place to invest.
Speaker 5: But you know, real estate investing is not for everybody.
Speaker 5: You need to understand how real estate investing works. It
Speaker 5: takes a learning curve and not everybody wants to go
Speaker 5: through that. You know, you have to kind of go
Speaker 5: through your bad tenants, you have to go through the
Speaker 5: bad properties. You know, I went through that myself, and
Speaker 5: it sucks. It's painful, it's not fun to lose money.
Speaker 5: And with real estate there's there's more capital involved. It's
Speaker 5: a lot harder to start real estate investing, especially owning
Speaker 5: physical real estate with one hundred dollars or a thousand dollars.
Speaker 5: You know, you need more capital and more time involved
Speaker 5: to get to that passive income point. So you need
Speaker 5: to spend that time at the beginning to get through
Speaker 5: real passive income. Now, if we're talking about a more
Speaker 5: passive passive income where you don't really have to do
Speaker 5: much work at all, then the stock market does have
Speaker 5: a lot of opportunities there through dividends and dividend paying stocks,
Speaker 5: but you have to be kind of aware of what
Speaker 5: type of returns you can expect because I think sometimes
Speaker 5: people think, oh, okay, if I invest one thousand dollars,
Speaker 5: I should be making one thousand dollars a year in
Speaker 5: my passive income. But it doesn't really work like that, right, Like,
Speaker 5: if you invest in the stock market, you should be
Speaker 5: expecting three to five percent a year on your capital investments.
Speaker 5: So that's you know, if you invest one hundred dollars
Speaker 5: at three to five dollars a year for your investment
Speaker 5: through your dividends, and there's a lot of easy ways
Speaker 5: to do that. You can completely automate this. So you
Speaker 5: just take whatever funds you have and every month or
Speaker 5: every week it automatically gets invested into whatever stocks or
Speaker 5: ETFs or funds you want.
Speaker 4: And then when you get.
Speaker 5: The dividends, it is your choice now whether you want
Speaker 5: to reinvest them back into the stocks or ETFs where
Speaker 5: you kind of compounding your investments, or do you want
Speaker 5: to pull it out and keep this money for yourself
Speaker 5: and you know, use it to improve your lifestyle. The
Speaker 5: thing about passive income, especially in the stock market like
Speaker 5: this is it is a long term game. If you're
Speaker 5: getting three to five percent a year, you need to
Speaker 5: compound that money. You need to keep adding that money
Speaker 5: into your stocks and ETFs because what happens is in
Speaker 5: a good market, stock prices will go up, so you
Speaker 5: know your your stock value, your investment value is going up.
Speaker 5: But at the same time, companies, if they're growing, they're
Speaker 5: going to increase the amount of dividend that they're paying.
Speaker 5: So right now you might only be getting a three
Speaker 5: percent dividend on your money, but in five or ten years,
Speaker 5: they might double the amount of dividend that they're paying out.
Speaker 5: So what went from a three percent dividend is now
Speaker 5: a six percent dividend, So it really starts to grow
Speaker 5: and compound. And if you keep reinvesting that money, the
Speaker 5: amount of money you'd be making through this passive income
Speaker 5: and dividends keeps growing slowly, slowly, slowly. So it's like
Speaker 5: kind of like the snowball that a lot of people
Speaker 5: talk about. You you've got to build us no ball,
Speaker 5: and at the beginning it's really slow, it's really hard,
Speaker 5: But as you keep going and as you stick with
Speaker 5: it, it will get bigger.
Speaker 1: Can you explain for folks who may have just blanked
Speaker 1: out when you said the word dividend, because they may
Speaker 1: not even know what a dividend is I mean, it's
Speaker 1: just it's a piece of the profits that a company
Speaker 1: will give you for investing in their stock. Right, how
Speaker 1: would you break it down?
Speaker 5: Yeah, so I the way I like to explain dividends
Speaker 5: is think about like a thank you check from companies.
Speaker 5: So some companies, let's talk about McDonald's. Some companies like
Speaker 5: McDonald's make a lot of money, and at the end
Speaker 5: of the year, they have a whole bunch of cash
Speaker 5: in their bank account. And there's three things that a
Speaker 5: company can do with it's extra cash. They can save
Speaker 5: it for emergencies. They can reinvest this money back into
Speaker 5: their company, or they can give this away literally give
Speaker 5: it away to their owners and shareholders, investors people like
Speaker 5: you and me for owning the stock. So if you
Speaker 5: go out and you buy a share of McDonald's, McDonald's
Speaker 5: will literally send you a check. They'll send you a
Speaker 5: few dollars every single year just because you own the
Speaker 5: McDonald's stock. You don't have to go on flip burgers
Speaker 5: or do anything. You're getting this cash just for owning
Speaker 5: that investment.
Speaker 2: I love that explanation.
Speaker 3: I just saw that in one of your videos that
Speaker 3: you explained that was like he's doing the video, I.
Speaker 2: Feel like I'm watching your YouTube video.
Speaker 4: Yeah, it's the same.
Speaker 1: Really safe. Yeah. I mean this past week has been
Speaker 1: I don't know this past summer. I mean, I just
Speaker 1: feel like everyone at home through this COVID crisis is
Speaker 1: bizarre time they were at in our country right now,
Speaker 1: and it's good for people like us who are in
Speaker 1: the business of teaching financial education, because folks are really
Speaker 1: hungry for right now. But I'm worried because, like my
Speaker 1: friends and family who really haven't been into financial anything
Speaker 1: until you know, COVID kind of hit and they have
Speaker 1: all this free time. People are coming to me like
Speaker 1: should I invest in herds? What do you think about
Speaker 1: the Tesla stock split? I mean, last week my husband
Speaker 1: puts listen, Okay, like I said, I like to I
Speaker 1: have some money that I play around with that I'm
Speaker 1: not afraid to lose, you know. I just have a
Speaker 1: little bit set aside, so I can I can just
Speaker 1: prove to myself, honestly, what a terrible stock picker I am,
Speaker 1: which is what it's been like for the past five
Speaker 1: to ten years I've been doing it. But anyway, so
Speaker 1: my husband's got a little bit of money, and you
Speaker 1: know that he could invest, and he chose to invest
Speaker 1: in some TESL stock last week after the stock split,
Speaker 1: and of course he bought when it was really high,
Speaker 1: and by the end of the week it had tanked
Speaker 1: and he's like, what's going on in to just sell
Speaker 1: my Tesla stock? And I feel like he's not alone.
Speaker 1: So what's your take on where people's mindset is at
Speaker 1: with you know, stock market investing these days? And what
Speaker 1: would you say to people who were trying to get
Speaker 1: into the market now as like a word of caution.
Speaker 5: So I just recorded a video on this. It's going
Speaker 5: to go up very soon. But stock or market predicting
Speaker 5: is for losers. Nobody can predict what's going to happen
Speaker 5: in the stock market tomorrow or three months or you know,
Speaker 5: in this short term. It is impossible because there are
Speaker 5: so many things that can happen that influence the stock market,
Speaker 5: especially in the short term. You know, we could see
Speaker 5: something happened to the president. We could see something happened
Speaker 5: with this coronavirus. We can see the Fed change the
Speaker 5: monetary policy. There are so many factors that influence the
Speaker 5: stock market in the short term that creates this like
Speaker 5: emotionalness in the stock market, and that's what creates creates
Speaker 5: like this panic selling and euphoria buying, and as a
Speaker 5: smart financial planner and a smart money manager and investor,
Speaker 5: that is exactly.
Speaker 4: What you want to avoid.
Speaker 5: You want to be investing for the long term. So
Speaker 5: I'm a big proponent of long term investing, looking at
Speaker 5: companies who are growing, who are innovating, and have a
Speaker 5: good value, and buying into these companies for the long term.
Speaker 5: If that is what you're doing, the stock pace doesn't
Speaker 5: even matter that much. You just want to continually buy it,
Speaker 5: whether it's every week or every month, or you know,
Speaker 5: whatever your schedule is. You just want to keep buying
Speaker 5: these stocks or funds that you want to own for
Speaker 5: the long term.
Speaker 2: For the majority dollar cost averaging.
Speaker 3: No, I was just going to say, so that's I know,
Speaker 3: that's your big philosophy dollar cost averaging.
Speaker 5: Yeah, and if it comes down, if it crashes, buy more.
Speaker 5: That is like, it's like one of those things that
Speaker 5: if it's a company you really believe in, buy it
Speaker 5: and if it crashes, use it as an opportunity to
Speaker 5: buy more. And I think for the majority of people,
Speaker 5: stock picking is not even the game that you want
Speaker 5: to be playing for the majority of people.
Speaker 4: If you don't not plan to.
Speaker 5: Spend a lot of time studying companies, listening to earning statements.
Speaker 5: If that is not what you're interested in, look into
Speaker 5: index funds. Look into the ETFs and index fund or ETFs.
Speaker 5: You could think of a kind of like a group
Speaker 5: of stocks of fund that invests in a bunch of companies.
Speaker 5: So if you just want to be involved in the
Speaker 5: stock market, there are funds that literally give you exposure
Speaker 5: to the top five hundred companies in the stock market.
Speaker 5: So now instead of if you're trying to go out
Speaker 5: and find the number one company, you can just invest
Speaker 5: in this fund that gives your exposure to the general
Speaker 5: stock market. So now, if the stock market goes up,
Speaker 5: your fund goes up. The stock market goes down, your
Speaker 5: fund goes down. But what we've seen again and again
Speaker 5: and again is that over the long run, the stock
Speaker 5: market and strong companies go up. And if you're not
Speaker 5: interested in doing all that research and trying to find
Speaker 5: the best companies, just invest in one of these funds,
Speaker 5: because now it's doing it for you.
Speaker 1: So what you're saying is I'm right, and yeah, to
Speaker 1: confirm that, because I won't.
Speaker 3: Play in that then. That's so my question is, so
Speaker 3: where do you go for financial education? You know, the
Speaker 3: financial educator? It's like what does a doctor go when
Speaker 3: they're sick? So where do you go to learn when
Speaker 3: you're when you're learning when new things come out or
Speaker 3: something you don't understand?
Speaker 2: Like what are you what are your go to platforms?
Speaker 5: There's a lot of great resources on the internet, Like
Speaker 5: one of my go to sites if we're talking about
Speaker 5: the stock market, particularly like seeking Alpha is great financed Yahoo,
Speaker 5: just to like I love reading books and I love
Speaker 5: kind of just learning about companies, Like right now I'm
Speaker 5: reading one of Warren Buffet's biographies. It's very interesting just
Speaker 5: to kind of not necessarily just stock books, but learning
Speaker 5: kind of the way some of these great investors think
Speaker 5: and just learning from them and then really just studying
Speaker 5: a company. You know, there's every three months a company
Speaker 5: has to release a statement where they go over how
Speaker 5: much money they're making with the plan on doing, what
Speaker 5: their valuations? You know, what are they doing with their money?
Speaker 5: Where's all the cash going? And a lot of times
Speaker 5: most of the times we skip over that because we
Speaker 5: read the headlines. Oh Tesla made a lot of money
Speaker 5: or Tesla lost money. Right, that's all we see. But
Speaker 5: if you go into the actual earning statements and you
Speaker 5: read the transcript and you read the forms that these
Speaker 5: companies file, which you can do, they're more boring, but
Speaker 5: you can actually see what is going on with the
Speaker 5: company and what is their real revenue, what is their
Speaker 5: real income, what is their real loss, and then you
Speaker 5: can come up with your own calculations to see, Okay,
Speaker 5: this company's making one hundred million dollars actually based off
Speaker 5: of what I see, and they're being valued at ten
Speaker 5: billion dollars. Is this a good investment?
Speaker 4: Yes or no?
Speaker 5: And so it's kind of coming up with what do
Speaker 5: you think is a good value and what is it
Speaker 5: that you want to invest.
Speaker 1: In Over time, as you've developed your financial philosophy and
Speaker 1: the minority mindset, as you say, I mean you acknowledge
Speaker 1: that you didn't have a ton of education. And Tiffany's
Speaker 1: maybe in the minority because she had such a great
Speaker 1: financial coach in her dad. But even so, the Great Recession,
Speaker 1: for and I both kind of had a we were
Speaker 1: all like in our own ways, a little afraid of
Speaker 1: going through what we went through our personal financial losses
Speaker 1: after the recession, and so I think safe to say
Speaker 1: TIF that we both held on to some cash. Yeah
Speaker 1: maybe beyond like yeah, maybe beyond like the six month mark.
Speaker 1: And I wanted to talk to you, like, what's your
Speaker 1: Have you had to overcome any mindsets that were maybe
Speaker 1: hurting you financially where you maybe a little conservative in
Speaker 1: the beginning, or have you always kind of you know,
Speaker 1: just learned and approached investing differently, because for a lot
Speaker 1: of people, especially now the majority, we'll look at the
Speaker 1: stock market, what happened back in the spring, you know,
Speaker 1: March and April and be like, oh shit, like get
Speaker 1: me out of here, this is crazy. Yeah, So to
Speaker 1: talk about that, if you don't mind.
Speaker 5: I think, yeah, the saving thing I I six months,
Speaker 5: I tell a lot of people was the goal, and
Speaker 5: I try to tell people to cap it, like Indians
Speaker 5: tend to be super savous to a lot of my
Speaker 5: friends who are kind of fall under that boat. I
Speaker 5: know a lot of people that make a lot of
Speaker 5: money and this save every penny that they can. So
Speaker 5: they're saving like seventy eighty percent of their income and
Speaker 5: they have three, four five years worth of expenses saved
Speaker 5: in the bank. Account just sitting there and this is
Speaker 5: way past the FDIC limit, so you know I.
Speaker 2: Must be yeah, not anymore.
Speaker 3: I'm better now. I have a financial planner. That's cheesy
Speaker 3: is Indian shout out to anti, But yeah, I'm better now.
Speaker 2: But that was so me.
Speaker 5: Yeah, and you know it's it's better than blowing all
Speaker 5: that money.
Speaker 4: Right.
Speaker 5: But what I try to tell people is, you know,
Speaker 5: you can do a lot better and take low risks
Speaker 5: if you you know, you once you learn about how
Speaker 5: investing works, you can kind of get a better feel
Speaker 5: of it.
Speaker 4: So I used to have a lot.
Speaker 5: Of money in the market, and I made a video
Speaker 5: on this earlier this year, like back in it was
Speaker 5: actually in February where I talked about how I was
Speaker 5: selling a lot of stuff just because sometimes, you know,
Speaker 5: things do feel like a low, little overheated. Now this
Speaker 5: was completely lucky, Like you know, I talked about this.
Speaker 5: This was like one hundred percent luck. I did not
Speaker 5: predict a crash or did not predict a pandemic. This
Speaker 5: was like completely luck. For in February, I was, yeah,
Speaker 5: you know, I've made a lot of money over the
Speaker 5: last few years in the stock market, so I'm selling
Speaker 5: right now. Because a lot of things are really high,
Speaker 5: evaluations are really high, and it's just a good time
Speaker 5: to take some money off the table.
Speaker 4: And that's okay.
Speaker 5: You know what I tell people when it comes to
Speaker 5: saving and investing, your investment money doesn't always have to
Speaker 5: be invested. Like cash is an investment position as well.
Speaker 5: It's just knowing that this is money that you want
Speaker 5: to invest that you're you know, looking for an opportunity.
Speaker 4: I like real estate.
Speaker 5: I haven't bought real estate in a while because I'm
Speaker 5: waiting for an opportunity. So I have cash that I'm
Speaker 5: waiting to invest, and you know, it goes beyond my
Speaker 5: saving goals, but it's my investment money that I'm waiting
Speaker 5: to invest.
Speaker 4: So that's kind of like what I've developed over the years.
Speaker 5: And I think I used to be a lot riskier
Speaker 5: when I was younger, when I was first getting started,
Speaker 5: because at that point, i was like, Wow, what do
Speaker 5: I have to lose? So I'm just going all in
Speaker 5: everywhere I can because for me, it was just like,
Speaker 5: you know, this is my time to learn, this is
Speaker 5: my time to go all in with everything. Now, you know,
Speaker 5: I'm still willing to take risk, but definitely a little
Speaker 5: bit more conservative, and I do a lot more research
Speaker 5: now than I used to before. I was more of
Speaker 5: a doer before thinking at all. Now I'm still a doer,
Speaker 5: but I do spend a little bit more time thinking
Speaker 5: before I trying to make those moves.
Speaker 1: So you cleaned out your investments in February, lucky, and
Speaker 1: then what did you get back in once things started
Speaker 1: to go? Like? What what did Yeah? What what did
Speaker 1: you do? Because I think there were folks who were
Speaker 1: it's that financial double dutch again, which is I don't
Speaker 1: know if you're familiar with double dutch. It's kind of fun.
Speaker 2: I know double dutch. I don't know if you even watched.
Speaker 3: Like when girls jump into the road, they do this
Speaker 3: like bobbing back and forth trying to figure out the
Speaker 3: perfect time to jump into you. You're literally rocking back
Speaker 3: and forth. So it's like, yeah, so it's a good
Speaker 3: analogy to getting into the market.
Speaker 4: So yeah, I did.
Speaker 5: I talked about this on YouTube that I do this
Speaker 5: kind of like drip investing, where I buy in phases. Now,
Speaker 5: I'm not the greatest stock market investor out there. One
Speaker 5: of our partners, Ak, who does a lot of our
Speaker 5: stock market teaching, he is, like, he taught me a
Speaker 5: lot about the stock market. I learned a lot from him.
Speaker 5: But I do what I call drip investing. So when
Speaker 5: the stock market falls, that's when I come in and buy,
Speaker 5: and I buy in phases. So every time it falls
Speaker 5: ten to fifteen percent, I buy. If it falls more,
Speaker 5: I buy more, and so I kind of just buy
Speaker 5: those phases. So when it was falling, I was just
Speaker 5: buying the whole way down, and then I did sell
Speaker 5: a little bit a few months later because the stock
Speaker 5: market recovered so fast that it was like, this is
Speaker 5: kind of crazy, how fast the stock market is recovering.
Speaker 5: So you know, that's kind of what I've been doing
Speaker 5: with in terms of the stock market. I still haven't
Speaker 5: really bought much real estate or at all. I'm just
Speaker 5: trying to figure out what's going on in the real
Speaker 5: estate market.
Speaker 1: Where are you buying real estate? I don't even know
Speaker 1: where you're based. I'm in Michigan, Michigan, Okay, So that's
Speaker 1: and do you have are you investing in real estate
Speaker 1: close by so you kind of know the area?
Speaker 5: Yeah, yeah, a lot of it is in the state.
Speaker 5: So just trying to wait on opportunities. I mean, I'm
Speaker 5: a big value ad investor. I love finding distressed real estate,
Speaker 5: whether it's financially stressed or physically distressed, but just waiting
Speaker 5: on a deal.
Speaker 1: That's so a fixer rupper basically.
Speaker 4: Yeah, I love fixer rubbers.
Speaker 3: I'm working on my first fixture upper right now, so
Speaker 3: I'm excited to see like we oh, that's awesome.
Speaker 2: Huse.
Speaker 3: I was like, you know what, I feel like My
Speaker 3: first kind of jaunt into investing was really investing by
Speaker 3: growing up business because I was scared of investing traditionally
Speaker 3: since I had that scam. And then I got my
Speaker 3: financial planner and she really helped to like pry open
Speaker 3: my cold dead hands.
Speaker 2: Around my money.
Speaker 3: So because I had enough, I had so much save
Speaker 3: that the house I'm living in now, I paid for
Speaker 3: it in cash and renovated in cash, and paid off
Speaker 3: my parents' house in cash, and paid off.
Speaker 2: My student loans in cash and thought there was.
Speaker 3: But not really, because she was like, Tiffany, you have
Speaker 3: enough to like last year lifetime, you need to invest
Speaker 3: some of this money.
Speaker 2: So you know, I did that.
Speaker 3: But then so the real estate property that I bought,
Speaker 3: it's it's a tax deed from the city where I
Speaker 3: live in New Jersey. And so it was ten thousand dollars,
Speaker 3: which is awesome, and it needed about one hundred and
Speaker 3: fifty thousand dollars worth of work. But the homes around
Speaker 3: their goal for about two twenty five and they're building
Speaker 3: a new train station that goes directly to New York City,
Speaker 3: like around the corner. Yeah, so I'm like, yeah, I
Speaker 3: cannot wait to see this, to see we're looking now.
Speaker 3: I'm stacking money to look same as you, to see
Speaker 3: if there's like another opportunity to purchase something. Because my angelie,
Speaker 3: my financial planner, said, you've already, you know, you've hit
Speaker 3: your goal for the year as far as setting aside
Speaker 3: for retirement and just investing for wealth with her, and
Speaker 3: so now she just suggested that we start to for
Speaker 3: the rest of the year put the rest away to
Speaker 3: purchase real estate when we felt the time was right.
Speaker 3: So that's what my husband and I are doing now.
Speaker 3: But yeah, do you have I mean I never would
Speaker 3: have thought I would have had a financial planner, So
Speaker 3: I guess that's my question. Do you have someone? I mean,
Speaker 3: I know you have Ak. I love him too because
Speaker 3: I watch his channel. He's a little wilder than you,
Speaker 3: but he's still funny.
Speaker 5: Yeah, he's really smart. He's like edgy, but he's really smart.
Speaker 3: So is that your go to or do you have
Speaker 3: like a formal because I know Mandy has someone her
Speaker 3: name is Helen that kind of guides her through the
Speaker 3: things that she doesn't know. Do you have like a
Speaker 3: go to aside from him that guide you through the
Speaker 3: things that you don't know financially.
Speaker 4: In different areas.
Speaker 5: Yes, so not like one kind of go to financial
Speaker 5: planner in that sense, but you know, people I have,
Speaker 5: like ak is who I go to in the stock market.
Speaker 5: I have a few friends who are I mean absolutely
Speaker 5: killing it in real estate. I have a couple of people,
Speaker 5: not many in the entrepreneur business space that I talked to,
Speaker 5: but mainly in the real estate and stock market space.
Speaker 5: Do I have people that kind of bounce ideas off
Speaker 5: of and talk to about what's going on and a
Speaker 5: couple of brokers in the area that are really really
Speaker 5: active in the real estate market.
Speaker 1: What do you have? So you mentioned investing on the
Speaker 1: side so that you can use that money to purchase
Speaker 1: potentially income properties. What's your investing strategy when it comes
Speaker 1: to saving for real estate because if you're looking for opportunities,
Speaker 1: you know, you don't know when that will pop up,
Speaker 1: so you need to be liquid enough. So I'm curious.
Speaker 5: So kind of like what I was saying before, right,
Speaker 5: I have my savings cash, which is just savings, and
Speaker 5: then I have my investment money, which not all that
Speaker 5: money is always invested. Cash is a position. And so
Speaker 5: I have cash that I have waiting to invest. So
Speaker 5: that's that's kind of my real estate that I'm waiting
Speaker 5: to buy. Real estate that's just kind of sitting there. Yeah,
Speaker 5: it's not growing right now, it's it's losing value to inflation.
Speaker 5: But this is money that I'm kind of you know,
Speaker 5: I have ready because when if real estate prices come down,
Speaker 5: I want to be there and I want to be
Speaker 5: the ones that's ready to buy without any questions.
Speaker 1: Yeah, we can't all be, sister Carol. But did she
Speaker 1: buys She bought, like pifting her dollars worth and paid, So.
Speaker 2: Yeah, my sister.
Speaker 3: She she actually like she loves investing in the market
Speaker 3: and she can pick them. So she's an engineer by trade.
Speaker 3: So for my parents were happy with her. But she
Speaker 3: told me about Tesla years ago, and she brought it
Speaker 3: when it was thirty dollars a share.
Speaker 4: Wow.
Speaker 2: She was like you should, you should.
Speaker 3: This is this company called Tesla and I was like
Speaker 3: yeah nah, and then like and then the next year Thanksgiving,
Speaker 3: she was like, it's gone up. It's like a hundred
Speaker 3: dollars a share or whatever it was, and I was
Speaker 3: still like no, not interested. So at the time she
Speaker 3: brought like fifteen hundred dollars worth and yeah, so she
Speaker 3: ended up like selling it though I forget whatever it was,
Speaker 3: but she ended up selling it to pay for her
Speaker 3: wedding and she put in fifteen hundred and got out
Speaker 3: thirty thousand dollars.
Speaker 4: So wow, that's an amazing return.
Speaker 3: Yes, and so but now I listen to her because
Speaker 3: she told me about Shopify, for example, when it was
Speaker 3: like I think it was iping and she was like,
Speaker 3: I think it's a good stock.
Speaker 2: I've been doing my research.
Speaker 3: And I was like, okay, I bought Shopify at how
Speaker 3: much did I buy it for? I think one hundred
Speaker 3: and forty dollars a share. It's over a thousand dollars
Speaker 3: right now. But wow, my stingy self bought three shares.
Speaker 3: I'm like, ah dang, I said about more.
Speaker 2: But yeah, so she's.
Speaker 3: Kind of like my my ak because she will do
Speaker 3: the research and she she loves like stock. But I just,
Speaker 3: you know, I just don't have the capacity or really
Speaker 3: the interest in doing all the research. So I'm mostly
Speaker 3: like an index mutual fun person, unless you know, she's like,
Speaker 3: there's a stock I've.
Speaker 2: Been doing this research for the last three years. I
Speaker 2: really like them.
Speaker 3: And then we for once all listen, but I have
Speaker 3: like a random question for you. Do you get like
Speaker 3: spotted in the streets, like I.
Speaker 5: Hat you're just great?
Speaker 4: A few times here and there.
Speaker 5: Not so much now during COVID, but every once in
Speaker 5: a while it would.
Speaker 4: It was funny. I never thought of myself kind of
Speaker 4: as a celebrity.
Speaker 5: I still don't, which is like, but it's so so
Speaker 5: weird when like I'll be like going somewhere with my
Speaker 5: family or my friends and somebody will kind of just
Speaker 5: come up to you and be like, hey, are you
Speaker 5: just freak, And I'm like yeah, It's like it's funny.
Speaker 5: It's amazing because I love connecting with people, you know,
Speaker 5: our own fans and audience.
Speaker 4: It's just like, I just never ever thought of myself.
Speaker 5: I still don't think of myself as kind of like
Speaker 5: a celebrity in any way, you know. So it's just
Speaker 5: like I'm just like, look man, I'm just like you man,
Speaker 5: it's you know what.
Speaker 1: I mean, Yeah, that's awesome. Just with like one hundred
Speaker 1: million more people, they're gonna.
Speaker 3: Be watching you even more now. I'm telling you, like
Speaker 3: we have been singing your praises.
Speaker 4: I appreciate that you are also now.
Speaker 3: When Mandy said that we have just freedon, I was like,
Speaker 3: are you are you toying with me?
Speaker 4: Oh my god?
Speaker 1: And then what I told my sister, I mean, humble Brake.
Speaker 1: I just emailed him and he like email.
Speaker 3: When I told Carol my my my stock trading sister,
Speaker 3: she was like, no way, no way, no way. I
Speaker 3: was like, I know, you know, I'm telling you now.
Speaker 3: Even like I said, my three year old niece Amelia
Speaker 3: was like, jes break, I'm like.
Speaker 2: Yes, a million.
Speaker 4: So you guys are so sweet.
Speaker 3: Now, but honestly you just like I said, it's to me,
Speaker 3: there needs to be more representation in financial education, and
Speaker 3: so it was just good to see someone who looked different.
Speaker 3: I think it's important for people to see themselves in
Speaker 3: the people that they're learning from and so I just honestly,
Speaker 3: I don't know how for so long because Mandy and
Speaker 3: I are part of like this like kind of like
Speaker 3: brown coalition of financial like educators, and I'm like, how
Speaker 3: do we not know.
Speaker 2: About joss Free until recently I make it my business?
Speaker 3: Yes, because I think, like I said, I think I
Speaker 3: think representation is important because what it's I think traditionally
Speaker 3: in financial education, black and brown communities are left out
Speaker 3: of the financial conversation and it's mostly pushed like savings
Speaker 3: and budgeting, which is good, you know, but sometimes this
Speaker 3: next level financial education we don't really get access to.
Speaker 3: So I think it's important that you know that people
Speaker 3: who look different, people who sound different, people who have
Speaker 3: different names. But I don't even use my African name
Speaker 3: because no one can say it properly, and so I'm
Speaker 3: just calling Tiffany it's Adochi, which.
Speaker 4: Is not that hard adote like, and so but.
Speaker 3: Yeah, I think that it's so representation in this space
Speaker 3: is so important because it means that everyone gets to learn,
Speaker 3: everyone gets to have a say, and everyone gets to
Speaker 3: like to reach and being powered.
Speaker 2: So no, we just really thank you.
Speaker 5: No, thank you guys for having Thank you too for
Speaker 5: having me that it was. This is an amazing call
Speaker 5: and I love what you two are doing. This is
Speaker 5: a much needed financial education is so needed, especially.
Speaker 4: Now more than ever.
Speaker 5: I mean, our whole kind of society, our whole educational
Speaker 5: system is good. But at the end of the day,
Speaker 5: if you do not know how to manage and master
Speaker 5: your money, doesn't matter what you do. You know, if
Speaker 5: you can have the best job in the world, but
Speaker 5: if you're struggling to pay your bills, you are it's
Speaker 5: just not you know, you're not fully there.
Speaker 1: Yeah, well, just breed, thank you so much for coming on.
Speaker 1: B a minority mindset, the minority mindset dot com folks
Speaker 1: find him on YouTube subscribe right now, and you also
Speaker 1: have a great insta. Yes, is that the minority mindset too?
Speaker 4: It is in this minority mindset.
Speaker 1: Yeah, and real quick for our final question, if I
Speaker 1: can just call it the final question. I don't know,
Speaker 1: Tiffany might want to talk to you for like.
Speaker 2: No, no, no, no hours, I've done enough. I've done enough, but.
Speaker 1: I have you know, we talk about success and investing
Speaker 1: in all these things, but you know, what's your long
Speaker 1: what's your happy like? What's your picture of yourself in
Speaker 1: the future twenty thirty years on the line. What does
Speaker 1: just bret and retirement look like? And what are you
Speaker 1: working toward?
Speaker 4: Uh? Well, continuing working in this financial space. I love.
Speaker 5: I love the financial space, but also I'm really interested
Speaker 5: in the venture capital space. I love working with entrepreneurs.
Speaker 5: So maybe something kind of a blend between the two,
Speaker 5: working with entrepreneurs, helping fund entrepreneurs fuel their dreams and
Speaker 5: kind of working with them too, So something in that space.
Speaker 2: I love that.
Speaker 1: Okay, so one day we'll get those socks, but maybe
Speaker 1: someone will. Yes, exactly, it's your VC funding, all right,
Speaker 1: Jeff Free, Thank you so so much. Y'all go follow
Speaker 1: Just Free the minority mindset.
Speaker 4: Thank you so much.
Speaker 2: Manda, I had need to call drink.
Speaker 1: How you got that speed stick somewhere nearby?
Speaker 2: Honestly, yeah, this is yes, I do.
Speaker 3: He's just like, like I said, to find somebody who
Speaker 3: it's like, I feel like Jeff Brie is like the
Speaker 3: budget nes Stowe.
Speaker 1: Yeah, the budget Stow. Oh that's funny. Yes, I mean,
Speaker 1: and it's you know, the fact that he focuses on
Speaker 1: the mindset is great because I feel like we talk
Speaker 1: about that a lot. Just how you know, what's holding
Speaker 1: us back is really the knowledge, access to the knowledge,
Speaker 1: and then understanding how to you know, move forward with
Speaker 1: that knowledge in mind and not let your emotions kind
Speaker 1: of get in the way. But yeah, I love him.
Speaker 1: You guys got to check out just brit the minority mindset,
Speaker 1: and I feel like look out for Tiffany and just
Speaker 1: Breeds co authored book Coming Forthcoming. I don't know, I
Speaker 1: feel like.
Speaker 3: A party, we can to do something, even if it's
Speaker 3: just alive or something, because I just feel like that
Speaker 3: Dreamcatchers need to get to know Jaspery.
Speaker 1: I feel like, dare I say they will? But I'm
Speaker 1: right to round out the show. Do you want to
Speaker 1: do a quick brown boost brown break?
Speaker 2: Well, I'm not gonna lie.
Speaker 3: I am not well you know what, No, I do
Speaker 3: want to do a brown unfortunately, a brown break.
Speaker 2: I hate to bring bring down the good times, but.
Speaker 1: Bring us bring us up, don't worry and no good.
Speaker 3: Because I was on the IG and someone had posted,
Speaker 3: I'm like, is this real life where our current administration
Speaker 3: has these banned federal agencies from conducting racial sensitivity training
Speaker 3: related to white privilege and criminal race theory that he
Speaker 3: feels that it's divisive and anti American propaganda. Can you imagine?
Speaker 3: And I just I was like, we are living in
Speaker 3: like really scary times. And when I saw that, I
Speaker 3: was like, oh my god. And so I'm just telling people, like, honestly,
Speaker 3: please do not take your vote for granted. We need
Speaker 3: you to vote. We need you to submit your you know,
Speaker 3: your your your ballad via mail or go and line
Speaker 3: up to vote.
Speaker 1: I mean, I just we can't live like this and
Speaker 1: don't just vote. Consider becoming a poll worker. It's extremely easy.
Speaker 1: And the I just signed up. I sent them like
Speaker 1: an email every day like please, I want to be
Speaker 1: a pollworker in New York. You submit an email to
Speaker 1: you know, your local Board of Elections or whatnot, and
Speaker 1: it's all you do is like one short training I
Speaker 1: feel like maybe an in person or virtual training, and
Speaker 1: you actually get paid for it. I don't know how
Speaker 1: much it is everywhere, but in New York it's three
Speaker 1: hundred and fifty dollars for the day. I was a
Speaker 1: little bit gutted though, because I actually can't do it.
Speaker 1: And here's why. They require you to stand up and
Speaker 1: work from five am until after the polls closed, which
Speaker 1: here in New York is nine pm exactly, Like where
Speaker 1: do I bring the baby and just feed him? Like
Speaker 1: at the pole's what's happening. It's impossible for me so
Speaker 1: and I understand, but I really was desperate to work
Speaker 1: as a poll worker because there's a shortage because with COVID,
Speaker 1: you know, because of the hours. And now I understand this.
Speaker 1: A lot of the people who are poll workers are
Speaker 1: older and they are not coming out in droves like
Speaker 1: they usually do because they're afraid of catching COVID. Who
Speaker 1: can blame them, But that just means we need people
Speaker 1: to work as poll workers. So if you're available and
Speaker 1: if you can work those hours. Maybe it's not that
Speaker 1: way everywhere, but I was genuinely shocked, and I even
Speaker 1: emailed her back, say five am to nine to win. No,
Speaker 1: they don't letch. They wouldn't let me do like a
Speaker 1: short shift or whatever. So I'm super bummed that I
Speaker 1: can't be a poll worker. But if you can show up,
Speaker 1: and here's why it matters. This summer when we were
Speaker 1: it was a primaries here in our in our area,
Speaker 1: the line for the polls was insane. My husband went
Speaker 1: out there for four or five hours standing and that's
Speaker 1: because due to the shortage of poll workers, they have
Speaker 1: decreased the number of polling locations. So we went from
Speaker 1: like places to vote to five, and that means people
Speaker 1: are like if people have to wait in that long line,
Speaker 1: if they have babies at home, like I did, I
Speaker 1: had to go home to my child. I didn't vote
Speaker 1: in the primary. I don't want that to happen. So
Speaker 1: if you can show up, volunteer work as a pollwork
Speaker 1: or whatever you can and help make sure people are
Speaker 1: able to cast their vote. And if you if you
Speaker 1: can't do that, at least tell people that they can
Speaker 1: vote early and help them, you know, figure all that out.
Speaker 1: Just google your state vote early and figure out how
Speaker 1: to request about it.
Speaker 3: Exactly, exactly exactly. I haven't done that in a while.
Speaker 3: Shout out to Manuel, my husband, sister's husband.
Speaker 2: Yeah, no, I think that hot child. I mean, I'm
Speaker 2: not gonna lie.
Speaker 3: There's a lot of stress bubbling, but I am hopeful
Speaker 3: that we will pull through and we will be okay.
Speaker 1: Just got to now it till the third of November, y'all.
Speaker 3: Exactly. I mean, we had death freedom, so I mean,
Speaker 3: I think we can make it happen regardless of what happened?
Speaker 3: You know, folks like just freak give me hope for
Speaker 3: the future. Yes, yes, you know if but but still
Speaker 3: can we vote though? Can we get this wile out
Speaker 3: of office? That'll be nice exactly.
Speaker 1: All right, Well, I I'll do my brown boost will
Speaker 1: one big brown boost to anyone who's working the polls
Speaker 1: this year, but also brown boost prom boost to Tia
Speaker 1: and to Mary t Marra Mawori. Can we just talk
Speaker 1: about Sister Sister for one second, which is on Netflix,
Speaker 1: Please enjoy it. That show is still so good, like
Speaker 1: twenty something years later. I can't believe how hilarious.
Speaker 2: Come on, go home.
Speaker 1: Oh man, I just am so so good. The writing
Speaker 1: is so on point Jackie Jackie, Yes, Harry, yup Harry,
Speaker 1: and then Tim Reid and then Marquise Houston or Marquez.
Speaker 1: I don't know how you say his name, but whatever.
Speaker 2: Ill Marcus, super simple Marcus.
Speaker 1: It's not mars.
Speaker 2: That's how he spells. I know that's it's very but.
Speaker 1: It's more hilarious. There's so funny, and this is the show.
Speaker 1: I'm just like, man, I miss black TV. I'm glad
Speaker 1: that shows like this. I feels like if like Netflix
Speaker 1: is going out of its way to put more black
Speaker 1: you know, black led shows on their on their platform,
Speaker 1: which is you know, why did I till now? But whatever,
Speaker 1: they're doing it now. So I just if you haven't,
Speaker 1: if you want to go back to your to your youth,
Speaker 1: go watch sister Sister. I promise you will not regret it.
Speaker 1: It's still and.
Speaker 2: Alice, You'll mil the sister sister. I haven't knew how
Speaker 2: much I missed you.
Speaker 1: I'm trying to wait till their colle till they go
Speaker 1: to college, because that's when they did the new theme
Speaker 1: song and it was like sexy and grown up and stuff.
Speaker 2: Yeah.
Speaker 1: I am my own time, on my own time, all right,
Speaker 1: I gotta go, I really am.
Speaker 2: Okay, all right, So what episode number is this?
Speaker 1: This is well, okay, this is two thirty three, y'all.
Speaker 1: Two thirty three okay, which is insane. We've done over
Speaker 1: two hundred shows.
Speaker 2: That's crazy.
Speaker 1: All right, y'all, Well catch us next week. Enjoy or
Speaker 1: interview with Jess Breed. Let us know how you feel
Speaker 1: about it. Leave us a comment on iTunes, leave us
Speaker 1: a review, Hit us up on Instagram. We're at the
Speaker 1: Brown Ambition podcast on Instagram, or you can email us
Speaker 1: at wait what What's our email? At the BA Podcast
Speaker 1: at gmail dot com.
Speaker 3: Yes, so he can tag me like directly at the
Speaker 3: budget ee step. You're like, girl, you was fanning out.
Speaker 3: I'm okay with it, supermanos, I'm okay with it.
Speaker 1: He was fine with it. Who doesn't want to be
Speaker 1: fond over by your budget need staff