1
00:00:00,240 --> 00:00:05,320
Speaker 1: Ho Mary, Brown Ambition Christmas or whatever you celebrate, But

2
00:00:05,480 --> 00:00:06,760
Speaker 1: we've got a present.

3
00:00:06,440 --> 00:00:07,360
Speaker 2: For you listeners.

4
00:00:08,119 --> 00:00:10,560
Speaker 3: Yes, if you are looking for the perfect gift for

5
00:00:10,600 --> 00:00:13,480
Speaker 3: the Brown Ambition fan in your life, head to Brown

6
00:00:13,520 --> 00:00:17,479
Speaker 3: Ambitionstore dot com to get twenty five percent off during

7
00:00:17,520 --> 00:00:18,960
Speaker 3: our massive holidays.

8
00:00:19,040 --> 00:00:19,239
Speaker 2: Say.

9
00:00:20,000 --> 00:00:21,880
Speaker 3: This deal will not be here long, so go to

10
00:00:21,920 --> 00:00:24,880
Speaker 3: Brown Ambitionstore dot com and use the promo code what

11
00:00:25,000 --> 00:00:25,960
Speaker 3: is it Tiffany.

12
00:00:25,760 --> 00:00:28,480
Speaker 2: Ho ho ho but h o h o h O.

13
00:00:28,600 --> 00:00:29,680
Speaker 2: Don't get fresh now.

14
00:00:30,840 --> 00:00:33,560
Speaker 3: Use promo code ho ho ho to get twenty five

15
00:00:33,600 --> 00:00:35,320
Speaker 3: percent off your Brown Ambition orders.

16
00:00:35,360 --> 00:00:35,600
Speaker 2: Again.

17
00:00:35,640 --> 00:00:38,200
Speaker 3: This deal won't last forever, or will it? Because maybe

18
00:00:38,200 --> 00:00:41,559
Speaker 3: I'll forget to stop it. I don't know. Go to

19
00:00:41,600 --> 00:01:03,240
Speaker 3: Brownambissionstore dot com. Y'all happy happy holidays. Hey Hey, Hey

20
00:01:04,360 --> 00:01:15,560
Speaker 3: we're back, We're black, We're ambitionous. Hey man, Hey, happy December.

21
00:01:15,800 --> 00:01:20,679
Speaker 1: I know, even though because of global warming in the

22
00:01:20,760 --> 00:01:22,679
Speaker 1: East Coast it does not feel like December.

23
00:01:23,680 --> 00:01:25,960
Speaker 3: I mean it's getting there, but I'm good with it.

24
00:01:26,240 --> 00:01:30,760
Speaker 3: This actually reminds me of Georgia. Just smidy and mild,

25
00:01:30,920 --> 00:01:34,760
Speaker 3: and you know, cold enough for a nice sweater. Yeah,

26
00:01:34,800 --> 00:01:37,960
Speaker 3: I appreciate it. I finally got all my decorating done outside,

27
00:01:38,000 --> 00:01:41,679
Speaker 3: I feel I guess I feel better it just I

28
00:01:41,720 --> 00:01:44,399
Speaker 3: think I've inherited this urge from my mother to just

29
00:01:44,560 --> 00:01:48,040
Speaker 3: Christmas by everything. So I really did the most. I

30
00:01:48,120 --> 00:01:49,600
Speaker 3: really really did shout out to target.

31
00:01:49,720 --> 00:01:52,000
Speaker 1: I think works on the outside, but I will say

32
00:01:52,000 --> 00:01:54,440
Speaker 1: my inside is nauseatingly Christmas.

33
00:01:54,520 --> 00:01:56,400
Speaker 2: My sister was like, oh, I'll recond every door.

34
00:01:56,880 --> 00:02:02,000
Speaker 1: Oh, I do this little dingle gully things on every door,

35
00:02:02,080 --> 00:02:04,920
Speaker 1: knock downstairs, every single one, so much so that my

36
00:02:05,160 --> 00:02:07,320
Speaker 1: nephew Rooman was like, Auntie, you forgot you.

37
00:02:07,320 --> 00:02:10,359
Speaker 2: Forgot this one. I was like, oh, thanks, baby, here

38
00:02:10,400 --> 00:02:11,360
Speaker 2: put that one on that one.

39
00:02:11,720 --> 00:02:14,200
Speaker 3: Wait. So so when Superman comes in to interrupt you,

40
00:02:14,200 --> 00:02:15,080
Speaker 3: we're gonna hear jingle.

41
00:02:16,000 --> 00:02:19,639
Speaker 1: Yeah, okay, Well I'm on the second floor, so I

42
00:02:19,639 --> 00:02:21,320
Speaker 1: didn't do the second floor, but just like that first

43
00:02:21,320 --> 00:02:24,320
Speaker 1: floor is Christmas out because I feel like, especially since

44
00:02:24,320 --> 00:02:27,320
Speaker 1: the kids come of all the time and Supergirl, it's

45
00:02:27,320 --> 00:02:28,960
Speaker 1: the kind of thing you remember, even though she always

46
00:02:28,960 --> 00:02:29,560
Speaker 1: makes fun of me.

47
00:02:29,600 --> 00:02:32,760
Speaker 2: Like, wow, it's very Christmas sy in here.

48
00:02:33,120 --> 00:02:36,520
Speaker 3: Oh lord, that's the opposite. Because I decided nothing on

49
00:02:36,560 --> 00:02:39,760
Speaker 3: the inside because we can't have anything nice anymore. You've

50
00:02:39,760 --> 00:02:43,080
Speaker 3: officially hit the we've officially. I mean, I am just

51
00:02:43,800 --> 00:02:46,360
Speaker 3: I had all these I tried not to be so naive,

52
00:02:46,440 --> 00:02:48,360
Speaker 3: but I did. I was like, you know, we're not

53
00:02:48,360 --> 00:02:50,600
Speaker 3: gonna let our house be taken over by toys and

54
00:02:50,680 --> 00:02:52,959
Speaker 3: kids stuff. And I'm still gonna keep my cute little

55
00:02:53,440 --> 00:02:56,959
Speaker 3: you know, my interior design, keep my keep my couch nice,

56
00:02:57,040 --> 00:03:00,720
Speaker 3: keep my pillows nice. I officially gave up, took everything

57
00:03:00,760 --> 00:03:04,240
Speaker 3: off the bottom three shelves of all the bookcases, and

58
00:03:04,400 --> 00:03:07,440
Speaker 3: nothing on the coffee table. And all I have inside

59
00:03:07,480 --> 00:03:09,880
Speaker 3: is I do have the stockings because they're high enough

60
00:03:09,880 --> 00:03:12,640
Speaker 3: to where you can't get at them the baby. And

61
00:03:12,639 --> 00:03:15,480
Speaker 3: then I did the most on the outside. So that's funny.

62
00:03:15,720 --> 00:03:17,000
Speaker 3: You're like an inside out version.

63
00:03:17,520 --> 00:03:19,680
Speaker 2: I know, what's you go to?

64
00:03:20,000 --> 00:03:24,120
Speaker 3: Holiday decors? Like shopping destination?

65
00:03:25,120 --> 00:03:28,040
Speaker 1: I actually really liked. There was this place called where

66
00:03:28,040 --> 00:03:30,400
Speaker 1: did I go? It was I don't remember the name

67
00:03:30,400 --> 00:03:32,280
Speaker 1: of it, but like literally when you went in, Oh,

68
00:03:32,360 --> 00:03:34,840
Speaker 1: what is that place called? There's this place in Jersey?

69
00:03:34,920 --> 00:03:37,720
Speaker 1: But is it actually called the Christmas Tree? It might

70
00:03:37,760 --> 00:03:40,640
Speaker 1: be called Chris Tree Shops. Yes, I think so that's

71
00:03:40,680 --> 00:03:43,680
Speaker 1: a chain. It's like the Halloween store that pops us.

72
00:03:44,080 --> 00:03:47,160
Speaker 3: But yes, I went to one of those two I

73
00:03:47,280 --> 00:03:49,560
Speaker 3: did here in our area. I got some cute stuff

74
00:03:49,600 --> 00:03:52,440
Speaker 3: because like because I'm due, I did the outside and

75
00:03:52,680 --> 00:03:56,320
Speaker 3: they had these pre lit gifts, pre lit gifts like

76
00:03:56,360 --> 00:03:59,080
Speaker 3: little you know, like for under the tree that I

77
00:03:59,120 --> 00:04:00,280
Speaker 3: put outside in my front yard.

78
00:04:00,440 --> 00:04:02,000
Speaker 2: Yes, you got this, yes, but.

79
00:04:02,120 --> 00:04:06,480
Speaker 1: You put them inside, yes, And I don't like that

80
00:04:06,480 --> 00:04:09,320
Speaker 1: I put them right next to the I know, honestly.

81
00:04:10,080 --> 00:04:11,960
Speaker 3: You need to share pictures. I need to see what

82
00:04:12,760 --> 00:04:14,840
Speaker 3: because I put them on the outside. But but they

83
00:04:14,840 --> 00:04:17,120
Speaker 3: were like thirty bucks for a set of three there

84
00:04:17,200 --> 00:04:19,320
Speaker 3: and on Target dot Com I'm not even kidding, they

85
00:04:19,320 --> 00:04:21,920
Speaker 3: were over one hundred dollars for three boxes.

86
00:04:21,960 --> 00:04:24,600
Speaker 1: I was like the who Yeah, no, I can't talk

87
00:04:24,640 --> 00:04:26,560
Speaker 1: to them. Last year, I think. Thank Here's the thing.

88
00:04:27,000 --> 00:04:28,840
Speaker 1: Last year I did the most dot com because you know,

89
00:04:28,920 --> 00:04:31,080
Speaker 1: it was our first Christmas in the new house, and

90
00:04:31,120 --> 00:04:33,920
Speaker 1: so there was just so much stuff that I didn't

91
00:04:33,920 --> 00:04:35,479
Speaker 1: even get a chance to put out. And I was

92
00:04:35,480 --> 00:04:38,200
Speaker 1: glad because I honestly didn't feel like going to the

93
00:04:38,200 --> 00:04:40,000
Speaker 1: different shops and things, so it was nice to just

94
00:04:40,040 --> 00:04:41,920
Speaker 1: have all my taxi stuff already in the hassa.

95
00:04:42,640 --> 00:04:45,840
Speaker 3: Yeah, tacky, I love it.

96
00:04:46,000 --> 00:04:47,719
Speaker 2: I am just me too. Jealous.

97
00:04:47,800 --> 00:04:49,680
Speaker 3: I can't wait till next year. I mean, hopefully the

98
00:04:49,680 --> 00:04:52,279
Speaker 3: baby is like, you know, not so grabby next year.

99
00:04:52,320 --> 00:04:54,080
Speaker 3: Does that Does that get better? I don't know. Don't

100
00:04:54,120 --> 00:04:59,440
Speaker 3: tell me, but it's uh, yeah. I did do some shopping.

101
00:04:59,480 --> 00:05:02,200
Speaker 3: You're right. When I went to the Christmas tree shops

102
00:05:02,240 --> 00:05:04,640
Speaker 3: in person, I just like had to escape the house

103
00:05:04,680 --> 00:05:07,040
Speaker 3: and I had my mask on, but it felt uncomfortable.

104
00:05:07,080 --> 00:05:09,640
Speaker 3: It was too many people in there, and I quickly

105
00:05:09,640 --> 00:05:11,680
Speaker 3: got what I wanted and then I got out of there.

106
00:05:11,720 --> 00:05:14,599
Speaker 3: But I also have heard and I've experienced there's like

107
00:05:14,600 --> 00:05:17,560
Speaker 3: a shortage of Christmas stuff this year. You know, I

108
00:05:17,560 --> 00:05:19,960
Speaker 3: don't think I waited till that last of a minute,

109
00:05:20,000 --> 00:05:23,520
Speaker 3: Like I think I went shopping before Thanksgiving, and home

110
00:05:23,560 --> 00:05:26,520
Speaker 3: goods didn't really have much target, Like a lot of

111
00:05:26,520 --> 00:05:28,960
Speaker 3: stuff was bare. And I guess part of the issue

112
00:05:29,040 --> 00:05:32,960
Speaker 3: is retailers didn't expect such a huge interest in holiday stuff,

113
00:05:33,000 --> 00:05:35,360
Speaker 3: I guess, and they I don't know. There's been like

114
00:05:35,520 --> 00:05:38,599
Speaker 3: delays and inventory and things like that. But on top

115
00:05:38,640 --> 00:05:41,760
Speaker 3: of that, it seems like the opposite happened, and everybody

116
00:05:41,800 --> 00:05:45,200
Speaker 3: decided to like go all out for Christmas and decorate

117
00:05:45,240 --> 00:05:48,080
Speaker 3: really early this year. So if you're looking at might

118
00:05:48,160 --> 00:05:50,320
Speaker 3: be slim pickens out there.

119
00:05:50,880 --> 00:05:55,120
Speaker 2: Yeah, no, I think so, I think. I mean that's why.

120
00:05:55,160 --> 00:05:56,560
Speaker 2: I honest, there's so many things.

121
00:05:56,320 --> 00:05:59,080
Speaker 1: That like I got ahead of time, like even like

122
00:05:59,120 --> 00:06:01,960
Speaker 1: my exercise equipment, and I got that for myself last

123
00:06:02,000 --> 00:06:05,040
Speaker 1: year in December, and then when quarantine and stuff hit,

124
00:06:05,040 --> 00:06:06,640
Speaker 1: I was like, oh my goodness, thank goodness I did.

125
00:06:06,880 --> 00:06:09,320
Speaker 1: So the thing that it taught me was like not

126
00:06:09,480 --> 00:06:11,800
Speaker 1: to wait on certain things. Not I mean, obviously you

127
00:06:11,800 --> 00:06:13,600
Speaker 1: don't want to be tricking up all your money, but

128
00:06:13,839 --> 00:06:16,360
Speaker 1: if there's something that you're really wanting and if it's

129
00:06:16,400 --> 00:06:19,960
Speaker 1: within your budget, not to wait because there's no guarantee

130
00:06:20,000 --> 00:06:21,039
Speaker 1: you'll have access later.

131
00:06:21,160 --> 00:06:23,200
Speaker 2: So you know, yeah, that's right.

132
00:06:23,240 --> 00:06:25,160
Speaker 3: You can't even get like weights anymore.

133
00:06:25,440 --> 00:06:25,960
Speaker 2: Yeah.

134
00:06:26,040 --> 00:06:29,200
Speaker 3: I had heard that, like exercise equipment is still in hot,

135
00:06:29,279 --> 00:06:30,520
Speaker 3: in high demand.

136
00:06:30,320 --> 00:06:33,720
Speaker 1: Because people are anticipating getting kind of like quarantined again.

137
00:06:33,800 --> 00:06:35,320
Speaker 1: So I was just like, I'm just so glad because

138
00:06:35,360 --> 00:06:37,479
Speaker 1: literally what I asked for for Christmas from everyone, I

139
00:06:37,520 --> 00:06:38,839
Speaker 1: was like, can you give me exercise stuff?

140
00:06:38,880 --> 00:06:41,520
Speaker 2: Like I yoga mad and I got weight.

141
00:06:41,560 --> 00:06:43,240
Speaker 1: I got all these things, and I was just like

142
00:06:43,680 --> 00:06:45,680
Speaker 1: people were like, you can't even get a treadmill. I

143
00:06:45,839 --> 00:06:47,640
Speaker 1: just got a treadmill in December, so it was just

144
00:06:47,720 --> 00:06:50,640
Speaker 1: I was just really fortunate and it just taught me.

145
00:06:54,440 --> 00:06:59,799
Speaker 3: To be like Tippany got the good.

146
00:06:58,000 --> 00:07:00,480
Speaker 2: Sit there looking at me, like girl, it does.

147
00:07:00,920 --> 00:07:03,440
Speaker 3: I'm like what, and uh, whereabouts in the house do

148
00:07:03,520 --> 00:07:07,400
Speaker 3: you keep this equipment? For anyone who's curious, I have it.

149
00:07:07,480 --> 00:07:12,760
Speaker 2: In my cave. I was like, it's yours, but we

150
00:07:12,840 --> 00:07:13,440
Speaker 2: just share it.

151
00:07:14,760 --> 00:07:17,560
Speaker 3: You know, this is my zen den is in progress.

152
00:07:17,600 --> 00:07:20,120
Speaker 3: I did a lot of cleanup and I am starting on.

153
00:07:20,640 --> 00:07:23,920
Speaker 3: You know, I'm going to start really investing more time

154
00:07:24,040 --> 00:07:28,040
Speaker 3: in making the zen den nice. And you know, husband's

155
00:07:28,080 --> 00:07:29,960
Speaker 3: got his little zone, he's got his little area, but

156
00:07:30,680 --> 00:07:33,680
Speaker 3: mama needs some space and I'm going to get it.

157
00:07:33,680 --> 00:07:35,080
Speaker 3: It's going to be really nice. It's going to be

158
00:07:35,120 --> 00:07:38,400
Speaker 3: like part office, part workout, part like read a book

159
00:07:38,480 --> 00:07:41,080
Speaker 3: on a comfy chair, you know, escape from me.

160
00:07:41,440 --> 00:07:42,440
Speaker 2: No, that sounds awesome.

161
00:07:42,720 --> 00:07:44,720
Speaker 1: Honestly, I was proud of myself this past week because

162
00:07:45,040 --> 00:07:47,520
Speaker 1: like off and on, like my shoulder has been like

163
00:07:47,640 --> 00:07:50,560
Speaker 1: hurting because I just assume cause I've been just you know,

164
00:07:50,600 --> 00:07:52,600
Speaker 1: you work more and I'm like, I'm right, I'm right

165
00:07:52,600 --> 00:07:55,160
Speaker 1: hand and it's my right shoulder. So I gone to

166
00:07:55,240 --> 00:07:56,840
Speaker 1: the doctor for which I was proud of myself. This

167
00:07:56,880 --> 00:07:59,080
Speaker 1: is like some months back, and remember that time, like

168
00:07:59,080 --> 00:07:59,960
Speaker 1: I got pulled everything.

169
00:08:00,040 --> 00:08:01,680
Speaker 2: I was like, many everything it's pulled about back. But

170
00:08:01,720 --> 00:08:05,840
Speaker 2: then when we were first oh, then I was like,

171
00:08:05,880 --> 00:08:07,760
Speaker 2: oh my god, everything is gone.

172
00:08:08,160 --> 00:08:10,520
Speaker 1: And then everything, like you know, within like a week

173
00:08:10,600 --> 00:08:12,920
Speaker 1: or so, felt better and cleared up. But then this

174
00:08:13,040 --> 00:08:16,160
Speaker 1: I just had this like shoulder like it just didn't

175
00:08:16,160 --> 00:08:17,360
Speaker 1: feel right. And I was like, oh, maybe because I'm

176
00:08:17,360 --> 00:08:19,880
Speaker 1: sleeping on my side too much. So I went to

177
00:08:19,880 --> 00:08:22,000
Speaker 1: a physical therapy for like maybe just a few weeks

178
00:08:22,040 --> 00:08:23,480
Speaker 1: and then I'm like I'm too busy for this. And

179
00:08:23,520 --> 00:08:25,920
Speaker 1: then recently it really just started like hurting again. And

180
00:08:25,920 --> 00:08:30,280
Speaker 1: then I was reading this book called Contagious I think

181
00:08:30,280 --> 00:08:31,960
Speaker 1: I shared with you guys last week or no, maybe

182
00:08:32,040 --> 00:08:35,800
Speaker 1: the Catalyst by Jonah Berger. Anyway, he said that people

183
00:08:36,120 --> 00:08:39,040
Speaker 1: that sometimes it's actually worse to It was so weird,

184
00:08:39,040 --> 00:08:39,440
Speaker 1: so I'm.

185
00:08:39,280 --> 00:08:40,720
Speaker 2: Like, is this is this God talking?

186
00:08:41,000 --> 00:08:43,360
Speaker 1: Because he said it sometimes it's actually worse to sprain

187
00:08:43,480 --> 00:08:46,720
Speaker 1: your your your shoulder than it is or to sprain

188
00:08:46,760 --> 00:08:48,240
Speaker 1: your arm than it is to break your arm.

189
00:08:48,679 --> 00:08:50,079
Speaker 2: And I was like wait, cause.

190
00:08:49,880 --> 00:08:54,480
Speaker 1: He was trying to explain how people don't change when

191
00:08:54,600 --> 00:08:58,480
Speaker 1: something is mild. That like, when you sprain your arm,

192
00:08:58,840 --> 00:09:01,520
Speaker 1: you're like, you're more likely to deal with it. You're like, oh,

193
00:09:02,040 --> 00:09:03,720
Speaker 1: you know, the barrier to change. It's like, it's not

194
00:09:03,800 --> 00:09:06,000
Speaker 1: that bad. I can live with it, it'll go away.

195
00:09:06,200 --> 00:09:08,079
Speaker 1: But if you break your arm, it's you can't live

196
00:09:08,120 --> 00:09:10,000
Speaker 1: with a broken arm. You go to the doctor, you

197
00:09:10,040 --> 00:09:12,800
Speaker 1: get your treatment. And I just was thinking that to

198
00:09:12,840 --> 00:09:16,360
Speaker 1: myself that oftentimes having a sprained arm actually has bigger

199
00:09:16,400 --> 00:09:19,199
Speaker 1: and long lasting more and more of like a larger

200
00:09:19,240 --> 00:09:22,160
Speaker 1: and long lasting effect than a broken arm. And I thought, wow,

201
00:09:22,360 --> 00:09:24,560
Speaker 1: that is what I'm doing. I'm like, it's not so bad,

202
00:09:24,679 --> 00:09:26,920
Speaker 1: it's just it hurts just a little, not all the time.

203
00:09:27,240 --> 00:09:30,199
Speaker 1: So I made it my priority. I want to physical

204
00:09:30,200 --> 00:09:32,719
Speaker 1: therapy because you could do walk in for up to

205
00:09:32,760 --> 00:09:34,959
Speaker 1: a month with my insurance. You don't have to get

206
00:09:35,000 --> 00:09:38,160
Speaker 1: like a doctor's like you know script. I was a

207
00:09:38,160 --> 00:09:41,960
Speaker 1: physical therapy and she was like yes, she's like, honestly, Tiffany,

208
00:09:42,280 --> 00:09:44,400
Speaker 1: it's just wear and tear. Basically, you sleep on your

209
00:09:44,440 --> 00:09:46,920
Speaker 1: side for like the last you know, forty one years.

210
00:09:47,280 --> 00:09:48,840
Speaker 1: And she's like, then, you know, you work a lot

211
00:09:48,880 --> 00:09:52,480
Speaker 1: in a computer also too. I played tennis from second

212
00:09:52,520 --> 00:09:55,680
Speaker 1: grade all throughout college, you know, and I'm right handed.

213
00:09:56,000 --> 00:09:57,480
Speaker 2: So she was just like, it's wear and tear.

214
00:09:57,520 --> 00:10:00,400
Speaker 1: But the thing is like, if you didn't come men,

215
00:10:00,800 --> 00:10:03,560
Speaker 1: and you didn't kind of like retrain the other muscles

216
00:10:03,600 --> 00:10:06,280
Speaker 1: around whatever, like the muscle in my shoulder that's been

217
00:10:06,320 --> 00:10:08,880
Speaker 1: weakened or whatever, then it could be permanent damage. So

218
00:10:08,880 --> 00:10:11,160
Speaker 1: I was just really glad that I want and I

219
00:10:11,240 --> 00:10:13,080
Speaker 1: encourage you if you're like I need a sign.

220
00:10:13,240 --> 00:10:13,719
Speaker 2: This is it.

221
00:10:14,240 --> 00:10:17,760
Speaker 1: Like if there's that little niggling ache, that little like,

222
00:10:17,800 --> 00:10:20,959
Speaker 1: well I can no go get a checked out, honestly

223
00:10:21,040 --> 00:10:24,600
Speaker 1: because something that could be so mild at first that

224
00:10:24,880 --> 00:10:26,559
Speaker 1: if you would have taken care of it. And like,

225
00:10:26,559 --> 00:10:28,800
Speaker 1: because she said there's probably six weeks of six weeks

226
00:10:28,840 --> 00:10:31,439
Speaker 1: of therapy three days a week, which is a big commitment,

227
00:10:31,920 --> 00:10:33,520
Speaker 1: or you could just not use the arm in two years,

228
00:10:33,559 --> 00:10:33,959
Speaker 1: I was like, you.

229
00:10:33,920 --> 00:10:37,280
Speaker 2: Know what, I want to use my arm. I'll keep it.

230
00:10:37,600 --> 00:10:40,560
Speaker 3: Thanks, I'll keep there no scrus. You're right, and I

231
00:10:40,600 --> 00:10:42,440
Speaker 3: think a lot of well, first of all, I do

232
00:10:42,480 --> 00:10:44,840
Speaker 3: feel like women, it's so much easier for us to

233
00:10:44,960 --> 00:10:47,880
Speaker 3: put ourselves last when it comes to healthcare appointments. I mean,

234
00:10:47,920 --> 00:10:50,360
Speaker 3: my son has been to the doctor, like I feels

235
00:10:50,360 --> 00:10:52,360
Speaker 3: like one hundred million times this year, and I haven't

236
00:10:52,360 --> 00:10:54,200
Speaker 3: been since I had him. I was like, well, I

237
00:10:54,240 --> 00:10:56,520
Speaker 3: mean everything was fine when he was born, so I

238
00:10:56,520 --> 00:10:59,319
Speaker 3: guess I'm still fine. I do, yeah, I need to

239
00:10:59,360 --> 00:11:00,840
Speaker 3: do like a check up and stuff. And I think

240
00:11:00,960 --> 00:11:04,720
Speaker 3: with like COVID times in the pandemic, it's also easier

241
00:11:04,760 --> 00:11:06,959
Speaker 3: to put that stuff off because you say, well, it's

242
00:11:07,000 --> 00:11:09,680
Speaker 3: not really safe to be out, but it's almost to

243
00:11:09,760 --> 00:11:12,520
Speaker 3: this at this point. The virus is a risk, yes,

244
00:11:12,600 --> 00:11:15,320
Speaker 3: but there's so many other ways to die, Like there's

245
00:11:15,320 --> 00:11:17,720
Speaker 3: also still a lot of other things that could be wrong,

246
00:11:17,800 --> 00:11:20,520
Speaker 3: so getting yourself checked out is important. So thanks for

247
00:11:20,559 --> 00:11:22,880
Speaker 3: that reminder. TIF. I'm gonna I thought I did pretty

248
00:11:22,880 --> 00:11:24,880
Speaker 3: good because I you know, got my prescription renewed for

249
00:11:24,960 --> 00:11:27,960
Speaker 3: my glasses, so everyone's always where my glasses are from.

250
00:11:27,960 --> 00:11:29,960
Speaker 3: I'm about to get some new one.

251
00:11:30,440 --> 00:11:34,960
Speaker 1: Yeah, and I start my start my like coaching on

252
00:11:34,960 --> 00:11:36,920
Speaker 1: on Friday, so I'm excited about that. I was like,

253
00:11:36,920 --> 00:11:38,480
Speaker 1: you know, I feel like I want to lean into it.

254
00:11:38,559 --> 00:11:40,200
Speaker 1: Like i feel like I'm in a new season of

255
00:11:40,240 --> 00:11:42,560
Speaker 1: self care, you know, like.

256
00:11:43,040 --> 00:11:44,559
Speaker 3: A new season of self care.

257
00:11:44,679 --> 00:11:47,560
Speaker 1: Yeah, because I'm always like can I always tell myself like, well, Tiffany,

258
00:11:47,559 --> 00:11:49,960
Speaker 1: you work on yourself a lot. I'm like, no, you

259
00:11:50,000 --> 00:11:53,800
Speaker 1: work on your business, you know, woman, Tiffany, don't get

260
00:11:53,800 --> 00:11:56,040
Speaker 1: it confused. And so I was like, this is true,

261
00:11:56,080 --> 00:11:59,480
Speaker 1: Like am I really taking care of myself? Like I'm

262
00:11:59,520 --> 00:12:02,720
Speaker 1: walking like more because I really enjoy walking, listening to

263
00:12:03,040 --> 00:12:07,359
Speaker 1: like podcasts and books for the enjoyment of it, and

264
00:12:07,440 --> 00:12:09,640
Speaker 1: so like I, you know, it's easy to pour into

265
00:12:09,679 --> 00:12:11,840
Speaker 1: the budgetista, but I have not been pouring into Tiffany.

266
00:12:11,840 --> 00:12:14,240
Speaker 1: And I'm just really like, I don't want to look

267
00:12:14,320 --> 00:12:16,000
Speaker 1: up and be like, girl, you have not like you know,

268
00:12:16,040 --> 00:12:18,480
Speaker 1: what do you do that you enjoy for you? And

269
00:12:18,520 --> 00:12:21,080
Speaker 1: are you taking care of yourself? I'm still young, and

270
00:12:21,120 --> 00:12:22,880
Speaker 1: I don't want to, like, you know, I want to

271
00:12:24,000 --> 00:12:26,520
Speaker 1: because I look at my father. For example, He's seventy seven.

272
00:12:26,600 --> 00:12:28,280
Speaker 1: He still plays tennis three times a week. I mean

273
00:12:28,280 --> 00:12:31,600
Speaker 1: when outside was open. He's still really active. And that's

274
00:12:31,640 --> 00:12:35,959
Speaker 1: he's always prioritized things that he's enjoyed, you know. And

275
00:12:35,960 --> 00:12:38,760
Speaker 1: I and as a result, because he never stopped moving,

276
00:12:38,840 --> 00:12:41,440
Speaker 1: he can continue to move, you know. And so I

277
00:12:41,480 --> 00:12:43,000
Speaker 1: just thought about that like, huh, I want to be

278
00:12:43,040 --> 00:12:47,000
Speaker 1: seventy seven like Daddy and continue to like enjoy life

279
00:12:47,040 --> 00:12:51,000
Speaker 1: and and you know, and exercise and like he's just

280
00:12:51,040 --> 00:12:53,160
Speaker 1: always been like that. So I'm just like, yeah, Like, if,

281
00:12:53,360 --> 00:12:55,480
Speaker 1: like I said, if you're looking for a sign to

282
00:12:55,840 --> 00:12:59,679
Speaker 1: enter into your your your stage of self care, whatever

283
00:12:59,679 --> 00:13:03,679
Speaker 1: that looks it's like, then do so totally deserve it.

284
00:13:03,760 --> 00:13:05,839
Speaker 2: Yes, do it. Do it.

285
00:13:06,960 --> 00:13:08,800
Speaker 3: One of one of the best things I did this

286
00:13:08,880 --> 00:13:11,320
Speaker 3: year for my body, other than get the peloton, which

287
00:13:11,360 --> 00:13:14,920
Speaker 3: really has been so amazing, it's gonna it's get a

288
00:13:15,040 --> 00:13:18,400
Speaker 3: proper desk chair. And I know we have got some

289
00:13:18,520 --> 00:13:21,319
Speaker 3: listeners out there who are sitting in there, like, you know,

290
00:13:21,520 --> 00:13:23,760
Speaker 3: taking the dining room chair, the trip that used to

291
00:13:23,760 --> 00:13:26,520
Speaker 3: do their makeup in, or like the holding chair. Yeah,

292
00:13:27,080 --> 00:13:29,440
Speaker 3: because you're the lawn chair. You're like, have a little

293
00:13:29,480 --> 00:13:31,840
Speaker 3: hap you know, you have your little cobble together workstation.

294
00:13:32,480 --> 00:13:34,800
Speaker 3: It's been a long time and if you're if you're

295
00:13:34,880 --> 00:13:36,800
Speaker 3: lucky enough to work from home, you know, we're all

296
00:13:36,840 --> 00:13:38,880
Speaker 3: so fortunate if we can still work from home and

297
00:13:39,200 --> 00:13:42,080
Speaker 3: be safe. But get yourself a proper desk chair, because

298
00:13:42,240 --> 00:13:44,520
Speaker 3: when I tell you Wayfair dot Com, I got the

299
00:13:44,559 --> 00:13:47,280
Speaker 3: most I got this really great chair and it has

300
00:13:47,440 --> 00:13:50,240
Speaker 3: changed up or I'm like, I forgot what it feels like.

301
00:13:50,360 --> 00:13:53,160
Speaker 3: My butt feels amazing, it doesn't like go numb. After

302
00:13:53,200 --> 00:13:56,840
Speaker 3: an hour, got lumbar support. It took me so long,

303
00:13:56,920 --> 00:13:59,200
Speaker 3: and I wish I had done this sooner because my

304
00:13:59,360 --> 00:14:02,240
Speaker 3: back and all the eggs and stuff, even my legs

305
00:14:02,240 --> 00:14:04,760
Speaker 3: would be tired. So that's something small if you're looking

306
00:14:04,800 --> 00:14:07,520
Speaker 3: for like a Christmas gift. I don't think a good

307
00:14:07,640 --> 00:14:10,760
Speaker 3: dust chair would would ever be a bad thing to

308
00:14:11,000 --> 00:14:13,360
Speaker 3: get for yourself or ask a loved one to get

309
00:14:13,360 --> 00:14:16,240
Speaker 3: you tifty. Did you say that you don't have a hat.

310
00:14:16,360 --> 00:14:18,000
Speaker 1: I mean I have a chair that I mean it

311
00:14:18,080 --> 00:14:21,160
Speaker 1: is a desk chair technically, and it's really cute, but

312
00:14:22,000 --> 00:14:26,960
Speaker 1: I suspect exactly. So one thing that my my physical

313
00:14:26,960 --> 00:14:30,320
Speaker 1: therapist said, uh, doctor Lewis, He said, I got one

314
00:14:30,360 --> 00:14:32,000
Speaker 1: of those, one of those like it looks like a

315
00:14:32,440 --> 00:14:35,880
Speaker 1: like a like a cylinder, like a cylinder.

316
00:14:35,800 --> 00:14:38,160
Speaker 3: Pillow, have to get wet a lumbar support.

317
00:14:38,480 --> 00:14:40,640
Speaker 1: Yeah, so I'm actually I have a nag right now.

318
00:14:41,000 --> 00:14:43,000
Speaker 1: And he said it's to remind you to like, you know,

319
00:14:43,120 --> 00:14:44,880
Speaker 1: sit up, and I have some exercises to do at

320
00:14:44,880 --> 00:14:48,240
Speaker 1: home in between my in between my appointments, and so

321
00:14:48,400 --> 00:14:50,360
Speaker 1: I'm sitting with it right now and I can feel

322
00:14:50,360 --> 00:14:52,640
Speaker 1: the difference it is. He's like, it's a reminder to

323
00:14:52,720 --> 00:14:54,960
Speaker 1: kind of like sit back. So because I've got a

324
00:14:55,000 --> 00:14:58,080
Speaker 1: really terrible posture. I started slouching when I started to

325
00:14:58,080 --> 00:15:00,400
Speaker 1: grow tall, and I was like, because I did and want,

326
00:15:00,440 --> 00:15:04,040
Speaker 1: you know, to be tall, and so like he's just like,

327
00:15:04,080 --> 00:15:05,480
Speaker 1: you know, So I ordered it as soon as I

328
00:15:05,520 --> 00:15:07,600
Speaker 1: got home because he sent me like, you know what

329
00:15:07,720 --> 00:15:08,160
Speaker 1: to get?

330
00:15:09,400 --> 00:15:11,600
Speaker 2: So yeah, no, you're right. I said that at too.

331
00:15:11,640 --> 00:15:14,440
Speaker 1: I was like, I want to possibly switch out this chair,

332
00:15:14,520 --> 00:15:17,760
Speaker 1: maybe find one because I'm gonna be in the chair

333
00:15:17,760 --> 00:15:19,920
Speaker 1: a lot, or you know what I really want, Because

334
00:15:19,960 --> 00:15:21,480
Speaker 1: didn't you used to have to say when you worked

335
00:15:21,520 --> 00:15:22,880
Speaker 1: at Yahoo you had a standing desk?

336
00:15:22,920 --> 00:15:23,880
Speaker 2: Did you have a standing desk?

337
00:15:24,320 --> 00:15:26,240
Speaker 3: Yeah, I've always had a standing desk. We had one

338
00:15:26,240 --> 00:15:28,840
Speaker 3: at my old office. Got I haven't been there forever.

339
00:15:29,280 --> 00:15:29,480
Speaker 2: Yeah.

340
00:15:29,520 --> 00:15:31,680
Speaker 3: Standing desks are actually really easy to come by now.

341
00:15:31,760 --> 00:15:34,680
Speaker 3: You can get one for not that much on Amazon

342
00:15:34,800 --> 00:15:36,680
Speaker 3: or Wayfair or any of those sites. And if you

343
00:15:36,680 --> 00:15:38,720
Speaker 3: don't want like a full on standing desk, which you

344
00:15:38,760 --> 00:15:40,280
Speaker 3: know you have to like plug it into an outlet

345
00:15:40,320 --> 00:15:42,680
Speaker 3: and it goes up and down with a button. I've

346
00:15:42,720 --> 00:15:46,320
Speaker 3: seen you can also get these little kind of like

347
00:15:46,360 --> 00:15:48,720
Speaker 3: a breakfast in bedtray, but it's for your laptop and

348
00:15:48,760 --> 00:15:51,600
Speaker 3: it goes up and down and you can put it

349
00:15:51,640 --> 00:15:54,120
Speaker 3: on your desk like or on your kitchen counter or whatever,

350
00:15:54,160 --> 00:15:56,040
Speaker 3: and you can put you just put that up and

351
00:15:56,120 --> 00:15:59,240
Speaker 3: down versus having to move a whole desk. Those have

352
00:15:59,320 --> 00:15:59,880
Speaker 3: worked for people.

353
00:16:00,160 --> 00:16:01,560
Speaker 1: Yeah, I think I was going to get one of

354
00:16:01,600 --> 00:16:03,360
Speaker 1: those two because actually, you know, just to have like

355
00:16:03,400 --> 00:16:07,200
Speaker 1: a different like you know exactly.

356
00:16:07,320 --> 00:16:10,040
Speaker 3: So, I mean obviously, sitting all day is never a

357
00:16:10,120 --> 00:16:12,520
Speaker 3: good no matter how comfortable your chair is, you don't

358
00:16:12,520 --> 00:16:15,480
Speaker 3: want to be sitting all day. But yeah, I don't know,

359
00:16:15,480 --> 00:16:17,480
Speaker 3: I can't believe we haven't talked about before, but yeah,

360
00:16:17,560 --> 00:16:20,160
Speaker 3: getting like an ergonomic setup, oh it means, it sounds,

361
00:16:20,360 --> 00:16:23,560
Speaker 3: it sounds luxurious. And hey, ask your company if they

362
00:16:23,600 --> 00:16:25,960
Speaker 3: will reimburse you if you work for a company. I

363
00:16:26,000 --> 00:16:28,720
Speaker 3: know our company reimbursed up to five hundred dollars for

364
00:16:29,040 --> 00:16:32,040
Speaker 3: work at home supplies, and it still took me months

365
00:16:32,120 --> 00:16:33,760
Speaker 3: until I order mine. I was like, oh, it's going

366
00:16:33,840 --> 00:16:36,280
Speaker 3: to expire December. First, let me let me get that chair.

367
00:16:37,560 --> 00:16:39,680
Speaker 3: But yeah, just see, you know, you never know what

368
00:16:39,800 --> 00:16:42,680
Speaker 3: benefits you might be leaving on the table, and it makes,

369
00:16:42,960 --> 00:16:45,280
Speaker 3: like I said, a big difference. What else can we

370
00:16:45,320 --> 00:16:46,680
Speaker 3: tell the people eat your spinach?

371
00:16:47,720 --> 00:16:49,560
Speaker 1: No, but definitely like look into you because you're right

372
00:16:49,600 --> 00:16:51,520
Speaker 1: fsay it. Like I this is always the time of

373
00:16:51,600 --> 00:16:53,600
Speaker 1: year that my husband because he wears glasses even though

374
00:16:53,600 --> 00:16:55,760
Speaker 1: he doesn't work. I'm like, you should definitely, you know,

375
00:16:55,920 --> 00:16:57,600
Speaker 1: you want to make sure that if you have money,

376
00:16:58,680 --> 00:17:01,400
Speaker 1: that you're not leaving and money kind of like on

377
00:17:01,480 --> 00:17:03,880
Speaker 1: the table and lean in and use it because it's

378
00:17:03,920 --> 00:17:06,639
Speaker 1: your Especially with with HSA, you don't lose it, but

379
00:17:06,680 --> 00:17:09,359
Speaker 1: with FSA, if you don't use it, you lose it.

380
00:17:10,280 --> 00:17:13,240
Speaker 3: You do sometimes it will roll over to the next quarter,

381
00:17:13,400 --> 00:17:15,800
Speaker 3: but double check. F s A store dot com is

382
00:17:15,840 --> 00:17:18,000
Speaker 3: one of my favorites because everything there, but even like

383
00:17:18,080 --> 00:17:22,399
Speaker 3: CBS and Walgreens, they all label stuff FSA approved or

384
00:17:22,520 --> 00:17:26,680
Speaker 3: FSA eligible. Just don't do what I did and stock

385
00:17:26,760 --> 00:17:31,080
Speaker 3: up on baby sunscreen. Listen, a baby is very small,

386
00:17:31,240 --> 00:17:35,479
Speaker 3: they don't need the sunscreen and that stuff expires, so

387
00:17:36,160 --> 00:17:38,680
Speaker 3: look at these dates, like damn, I think I might

388
00:17:38,680 --> 00:17:41,200
Speaker 3: have put it on him, Like twice yo, that is

389
00:17:42,040 --> 00:17:43,359
Speaker 3: to be in the sun like that, So why do

390
00:17:43,400 --> 00:17:45,880
Speaker 3: they even sell it?

391
00:17:46,000 --> 00:17:50,080
Speaker 1: Like, well, if your baby lives in zimbopers but if not,

392
00:17:50,280 --> 00:17:51,720
Speaker 1: you might not need all the sunscreen.

393
00:17:55,320 --> 00:17:56,520
Speaker 2: Oh they don't.

394
00:17:56,320 --> 00:17:57,080
Speaker 3: Got that much skin.

395
00:17:57,200 --> 00:17:57,399
Speaker 1: I know.

396
00:17:57,400 --> 00:17:59,199
Speaker 3: I'm like trying to lather it on him, like he

397
00:17:59,400 --> 00:18:05,440
Speaker 3: really doesn't. But you're gonna use the subscridhal He's fine,

398
00:18:05,520 --> 00:18:06,600
Speaker 3: He's fine, It's fine.

399
00:18:07,320 --> 00:18:09,240
Speaker 1: Yeah. No, But that's a good end of your nearing

400
00:18:09,320 --> 00:18:11,160
Speaker 1: the end of the year, and I think now it's

401
00:18:11,160 --> 00:18:12,639
Speaker 1: like really just a good time to kind of like

402
00:18:12,680 --> 00:18:16,040
Speaker 1: take stock and prepare. I mean, I would This is

403
00:18:16,040 --> 00:18:18,399
Speaker 1: what I encourage people who had like a hard financial time,

404
00:18:19,160 --> 00:18:22,560
Speaker 1: you know this year, is to ask yourself, like, if

405
00:18:22,600 --> 00:18:26,600
Speaker 1: you could go back to December twenty twenty nineteen, and

406
00:18:26,640 --> 00:18:28,920
Speaker 1: if you knew like, oh my gosh, twenty twenty it's

407
00:18:28,960 --> 00:18:30,800
Speaker 1: going to be kind of a rough financial year, what

408
00:18:30,880 --> 00:18:34,160
Speaker 1: would you have done differently? And to start to start

409
00:18:34,200 --> 00:18:37,320
Speaker 1: to like employ those things now because one of the

410
00:18:37,359 --> 00:18:40,000
Speaker 1: things I you know, after the first recesion basically took

411
00:18:40,000 --> 00:18:42,080
Speaker 1: me all the way out. I remember once I as

412
00:18:42,160 --> 00:18:44,480
Speaker 1: I was rebuilding my life, I was like, Okay, if

413
00:18:44,520 --> 00:18:47,160
Speaker 1: another recession comes cause it's going to what do.

414
00:18:47,119 --> 00:18:48,639
Speaker 2: You wish you would have done differently?

415
00:18:49,160 --> 00:18:51,800
Speaker 1: And I started to slowly but sure because I didn't

416
00:18:51,800 --> 00:18:53,359
Speaker 1: have any money really to start at first. But I

417
00:18:53,359 --> 00:18:56,000
Speaker 1: started to slowly but surely do those things like build

418
00:18:56,080 --> 00:18:59,359
Speaker 1: my emergency you know account, Know what my noodle budget

419
00:18:59,400 --> 00:19:01,080
Speaker 1: is and that's your if you had to eat ramen

420
00:19:01,119 --> 00:19:03,879
Speaker 1: noodle's budget, your bear bones basic budget, like, know what

421
00:19:03,960 --> 00:19:07,840
Speaker 1: that number is the monthly cost of my beer bones expenses,

422
00:19:08,200 --> 00:19:12,280
Speaker 1: And slowly but surely to employ those things so next

423
00:19:12,280 --> 00:19:15,520
Speaker 1: time around, I wouldn't be caught not ready. And so

424
00:19:15,680 --> 00:19:20,679
Speaker 1: this this recession or just really these times you know,

425
00:19:20,720 --> 00:19:23,360
Speaker 1: although they were I mean, they weren't rough for me, thankfully,

426
00:19:23,720 --> 00:19:27,080
Speaker 1: but even if I didn't have the successful businesses, the

427
00:19:27,119 --> 00:19:30,040
Speaker 1: truth is I'm a It turned me into a saver

428
00:19:30,880 --> 00:19:32,960
Speaker 1: the two you know, the two thousand and eight recession,

429
00:19:33,280 --> 00:19:35,320
Speaker 1: and I would have been a saver, like regardless of

430
00:19:35,320 --> 00:19:37,440
Speaker 1: whether it's budget these jing because I was like, ah,

431
00:19:37,520 --> 00:19:40,280
Speaker 1: I don't ever want to be caught, you know, not ready.

432
00:19:40,320 --> 00:19:42,600
Speaker 1: So that's what I just encourage folks to kind of

433
00:19:42,640 --> 00:19:46,160
Speaker 1: take stock and to figure out what you can do

434
00:19:46,280 --> 00:19:48,520
Speaker 1: to work into the new year to be prepared for

435
00:19:48,600 --> 00:19:51,399
Speaker 1: the to be prepared just in case something should happen again.

436
00:19:52,200 --> 00:19:54,480
Speaker 3: Isn't it so hard to do the right thing around

437
00:19:54,520 --> 00:19:58,280
Speaker 3: the holidays? Though it just seems like it's one thing

438
00:19:58,320 --> 00:20:00,960
Speaker 3: to fall on hard times in March, it's another thing

439
00:20:01,040 --> 00:20:03,560
Speaker 3: to still be on hard times when the holidays roll

440
00:20:03,600 --> 00:20:05,400
Speaker 3: around and you have kids. And my heart goes out

441
00:20:05,440 --> 00:20:07,399
Speaker 3: to parents because I know that you want to give

442
00:20:07,440 --> 00:20:11,400
Speaker 3: your kids a Christmas of their dreams. And uh, it's

443
00:20:11,160 --> 00:20:13,760
Speaker 3: and and even just like looking at I opened up

444
00:20:13,800 --> 00:20:15,840
Speaker 3: like the weekly flyer, which I don't ever do, but anyway,

445
00:20:15,880 --> 00:20:17,879
Speaker 3: I opened up Targets flyer and the first ten pages

446
00:20:17,880 --> 00:20:22,040
Speaker 3: are toys, toys, toys, and it's so and another sign.

447
00:20:22,640 --> 00:20:25,040
Speaker 3: I was on a call earlier with our our content

448
00:20:25,040 --> 00:20:27,359
Speaker 3: team at lending Tree, and I think our personal loans

449
00:20:27,359 --> 00:20:31,720
Speaker 3: team was celebrating because our holiday personal loan, our holiday

450
00:20:31,840 --> 00:20:36,960
Speaker 3: debt loan article page is getting five hundred percent growth

451
00:20:36,960 --> 00:20:41,359
Speaker 3: in traffic, five hundred percent, And to me, that's like, yay,

452
00:20:41,480 --> 00:20:44,320
Speaker 3: our article is really good about how to handle, you know,

453
00:20:44,440 --> 00:20:47,800
Speaker 3: borrowing money for holiday spending. But also like please, dear God,

454
00:20:48,440 --> 00:20:51,240
Speaker 3: think before you take out debt. I mean, yes, it's

455
00:20:51,320 --> 00:20:53,760
Speaker 3: better to take out like a personal loan than it

456
00:20:53,840 --> 00:20:56,360
Speaker 3: could be better, I should say, depending on the rate

457
00:20:56,440 --> 00:20:58,760
Speaker 3: that you get than using a you know, a double

458
00:20:58,800 --> 00:21:02,159
Speaker 3: digit interest credit card. But it just I just to

459
00:21:02,240 --> 00:21:06,440
Speaker 3: work and listen my mom. I'll never forget the Christmas

460
00:21:06,520 --> 00:21:09,480
Speaker 3: after my parents got divorced and my mom couldn't afford anything,

461
00:21:09,520 --> 00:21:12,360
Speaker 3: and like her coworkers, you know, got together and got

462
00:21:12,440 --> 00:21:15,879
Speaker 3: us a bunch of little gifts and like little Crayola sets.

463
00:21:16,400 --> 00:21:18,399
Speaker 3: She really leaned on her tribe, her community, you know,

464
00:21:18,440 --> 00:21:21,360
Speaker 3: community and friends and family for help. And I know

465
00:21:21,400 --> 00:21:24,080
Speaker 3: that there's families out there struggling with with with kids,

466
00:21:24,480 --> 00:21:26,960
Speaker 3: and you want to do everything for them. But as

467
00:21:27,040 --> 00:21:30,760
Speaker 3: much as you can try to like readjust your own

468
00:21:30,800 --> 00:21:36,439
Speaker 3: expectations and and be okay with a thinner Christmas holiday season,

469
00:21:36,520 --> 00:21:39,919
Speaker 3: just it's okay. You don't feel And I'm saying this

470
00:21:40,040 --> 00:21:43,159
Speaker 3: as a parent, and I just know I literally was

471
00:21:43,200 --> 00:21:45,240
Speaker 3: on a ladder by myself in thirty two degree weather

472
00:21:45,320 --> 00:21:47,840
Speaker 3: putting up lights for my baby. Like I know, you

473
00:21:47,880 --> 00:21:50,520
Speaker 3: want to do everything for them. I just I'm worried,

474
00:21:50,520 --> 00:21:53,879
Speaker 3: and I just I want people to to to settle

475
00:21:53,920 --> 00:21:55,720
Speaker 3: in and be okay with where they're at right now

476
00:21:55,760 --> 00:21:58,680
Speaker 3: financially and keep your eye on the long game. Keep

477
00:21:58,720 --> 00:22:02,879
Speaker 3: your eye on just the unwrapping a gift that'll entertain

478
00:22:02,960 --> 00:22:05,560
Speaker 3: them for a little while or you know, for a

479
00:22:05,640 --> 00:22:08,800
Speaker 3: couple of hours, honestly, and think about you know, really,

480
00:22:08,920 --> 00:22:11,679
Speaker 3: like Tiffany said, taking stock and thinking about the future

481
00:22:11,720 --> 00:22:16,280
Speaker 3: and the long game, because that's that's what's important ultimately.

482
00:22:17,720 --> 00:22:21,000
Speaker 2: Okay, well are you are you ready for my favorite

483
00:22:21,040 --> 00:22:23,320
Speaker 2: part of this show? Yeah?

484
00:22:23,320 --> 00:22:26,480
Speaker 3: I think we covered everything. Do your exercise, health, eat

485
00:22:26,480 --> 00:22:30,280
Speaker 3: your spine, don't take out tons of debt for your holidays.

486
00:22:30,359 --> 00:22:35,240
Speaker 3: You're welcome, guys. Yeah, let's let's take a quick break

487
00:22:35,240 --> 00:23:08,919
Speaker 3: and we'll be right back with your questions.

488
00:23:10,280 --> 00:23:13,560
Speaker 2: And we're black, I mean back, but we are black.

489
00:23:13,960 --> 00:23:14,160
Speaker 3: Yeah.

490
00:23:14,680 --> 00:23:15,440
Speaker 2: I love that joke.

491
00:23:15,480 --> 00:23:16,160
Speaker 3: Equally true.

492
00:23:17,240 --> 00:23:18,680
Speaker 2: What are our questions?

493
00:23:20,359 --> 00:23:22,280
Speaker 3: I'm just gonna make a SoundBite of that and play

494
00:23:22,280 --> 00:23:24,639
Speaker 3: it back for giggles. I love that joke. That's a

495
00:23:24,680 --> 00:23:27,640
Speaker 3: good joke. Tip. All Right, thank y'all for your questions.

496
00:23:27,680 --> 00:23:29,560
Speaker 3: If you have questions, we are always open. You can

497
00:23:29,600 --> 00:23:32,320
Speaker 3: hit us up Brand Ambition Podcast on the Gram or

498
00:23:32,480 --> 00:23:37,000
Speaker 3: Brand Ambition Podcast at gmail dot com. Pa Let's see,

499
00:23:37,040 --> 00:23:39,359
Speaker 3: so this listener on the Gram she would like to

500
00:23:39,359 --> 00:23:41,840
Speaker 3: be referred to as Maya, but she has a question

501
00:23:42,000 --> 00:23:45,159
Speaker 3: about some debt. Maya says, I've been listening to the

502
00:23:45,200 --> 00:23:47,760
Speaker 3: podcast like Clockwork for the last year or so. You

503
00:23:47,800 --> 00:23:50,399
Speaker 3: two are my older cousins in my head that forever

504
00:23:50,480 --> 00:23:53,400
Speaker 3: dropped the financial gems I need to adhere to. As

505
00:23:53,400 --> 00:23:55,439
Speaker 3: a millennial who has racked up a good amount of

506
00:23:55,480 --> 00:23:59,520
Speaker 3: debt from primarily credit cards, I'm seeking some advice. Unfortunately,

507
00:23:59,560 --> 00:24:02,720
Speaker 3: for years, my credit cards have been my emergency fund

508
00:24:02,920 --> 00:24:07,080
Speaker 3: when unforeseen events happen. Currently, I have just under ten

509
00:24:07,080 --> 00:24:10,439
Speaker 3: thousand dollars that I've narrowed down to one card. My

510
00:24:10,600 --> 00:24:13,480
Speaker 3: question is I want advice on how do I get

511
00:24:13,520 --> 00:24:16,240
Speaker 3: better odds of getting a balance transfer credit card that

512
00:24:16,280 --> 00:24:20,240
Speaker 3: would cover the entire ten thousand dollars balance. I've used

513
00:24:20,280 --> 00:24:23,959
Speaker 3: balanced transfer offers previously and they're great, but the issue

514
00:24:24,000 --> 00:24:26,520
Speaker 3: is they never cover the full amount. I am not

515
00:24:26,600 --> 00:24:29,160
Speaker 3: in a position where I want to create another bill

516
00:24:29,440 --> 00:24:32,240
Speaker 3: paying two cards. Are there any tips to getting a

517
00:24:32,280 --> 00:24:34,480
Speaker 3: card that will cover the full ten k so I

518
00:24:34,520 --> 00:24:40,320
Speaker 3: can take my financial freedom back? Thank you, myya, Maya

519
00:24:40,400 --> 00:24:40,680
Speaker 3: the Bee.

520
00:24:41,240 --> 00:24:43,000
Speaker 1: You too young, But there used to be this cartoon

521
00:24:43,000 --> 00:24:45,800
Speaker 1: on Nickelodeon called Maya the Bee who remembers. Please tell

522
00:24:45,800 --> 00:24:47,520
Speaker 1: me I'm not the only one. I used to love

523
00:24:47,560 --> 00:24:51,679
Speaker 1: that show. That's what my remind would be of. But ugh, Maya,

524
00:24:51,840 --> 00:24:54,080
Speaker 1: I think you are lamenting on what all of us

525
00:24:54,160 --> 00:24:57,320
Speaker 1: laments on, because you're like, it's it's like spitting the

526
00:24:57,680 --> 00:24:58,679
Speaker 1: it's not real fortune.

527
00:24:58,720 --> 00:24:59,560
Speaker 2: What was that game show?

528
00:24:59,560 --> 00:25:02,040
Speaker 1: It's like through with It was like the old guy

529
00:25:02,080 --> 00:25:04,199
Speaker 1: who you would spin the wheel and it was like

530
00:25:04,200 --> 00:25:05,240
Speaker 1: big money, big money.

531
00:25:05,040 --> 00:25:05,480
Speaker 2: Big money.

532
00:25:05,760 --> 00:25:10,480
Speaker 1: Right, yes, yes, So the only way that I have

533
00:25:10,640 --> 00:25:13,679
Speaker 1: seen is really the more your income is because you

534
00:25:13,680 --> 00:25:15,919
Speaker 1: have to like self report, then you know, then you

535
00:25:16,000 --> 00:25:18,879
Speaker 1: have a better chance of getting a higher balance for

536
00:25:18,920 --> 00:25:21,000
Speaker 1: your balance transfer card, a higher limit for your balance

537
00:25:21,040 --> 00:25:23,960
Speaker 1: transfer card. But it sucks because you could ask ahead

538
00:25:23,960 --> 00:25:25,199
Speaker 1: of time, they're not going to tell you because I

539
00:25:25,240 --> 00:25:29,200
Speaker 1: tried that. So the better your your credit score and

540
00:25:29,320 --> 00:25:32,560
Speaker 1: the more your income is, then the more likely you are.

541
00:25:32,640 --> 00:25:35,720
Speaker 1: But I'm not gonna lie. I've done a couple of

542
00:25:35,760 --> 00:25:39,000
Speaker 1: balance transfers. I've never gotten ten thousand, not that it's impossible,

543
00:25:39,680 --> 00:25:41,760
Speaker 1: and that was some years ago. So maybe my income

544
00:25:41,840 --> 00:25:46,399
Speaker 1: wasn't high enough. But yeah, there's no I mean maybe Mandy,

545
00:25:46,400 --> 00:25:48,800
Speaker 1: you know you know better, but I haven't found a

546
00:25:48,840 --> 00:25:53,480
Speaker 1: magic sauce other than better, better credit score and a

547
00:25:53,560 --> 00:25:54,959
Speaker 1: higher income to report.

548
00:25:55,400 --> 00:25:57,720
Speaker 3: Yeah, there really isn't one. And it's like Tiffany says,

549
00:25:57,760 --> 00:25:59,360
Speaker 3: you're not going to find out how much you get

550
00:25:59,400 --> 00:26:03,159
Speaker 3: approve for until you apply and see, so that's the

551
00:26:03,240 --> 00:26:06,560
Speaker 3: unfortunate thing about you know, balance transfer credit cards. I

552
00:26:06,600 --> 00:26:10,080
Speaker 3: would say, you know, worst case scenario if you apply

553
00:26:10,359 --> 00:26:12,320
Speaker 3: and you're able to get I mean, it does sound

554
00:26:12,359 --> 00:26:14,639
Speaker 3: like if you've been qualifying for a balance transfer offers,

555
00:26:14,680 --> 00:26:17,640
Speaker 3: your credit score in spite of your debt is probably

556
00:26:17,680 --> 00:26:20,960
Speaker 3: fairly good. You typically need a pretty good credit score

557
00:26:21,000 --> 00:26:24,880
Speaker 3: to qualify for those zero percent interest balance transfer offers.

558
00:26:25,160 --> 00:26:28,040
Speaker 3: But let's say you know, you apply for another zero

559
00:26:28,080 --> 00:26:31,920
Speaker 3: percent intro balance credit card and it covers five thousand

560
00:26:31,920 --> 00:26:34,680
Speaker 3: dollars and you really want to get that debt paid off.

561
00:26:34,720 --> 00:26:36,840
Speaker 3: I mean, you could try to go to a credit

562
00:26:36,920 --> 00:26:39,040
Speaker 3: union or an online lender, and if your credit score

563
00:26:39,080 --> 00:26:41,560
Speaker 3: is really good, you know, see about a personal loan,

564
00:26:41,600 --> 00:26:45,080
Speaker 3: like a debt consolidation loan. Obviously you'll pay some interest

565
00:26:45,119 --> 00:26:46,560
Speaker 3: on that, but it could be a lot less than

566
00:26:46,600 --> 00:26:48,760
Speaker 3: what you're paying on your credit card debt, and you know,

567
00:26:48,840 --> 00:26:52,199
Speaker 3: give you some relief. But I definitely feel like the

568
00:26:52,280 --> 00:26:54,800
Speaker 3: symptom this is a symptom of the you know, the

569
00:26:55,280 --> 00:26:57,760
Speaker 3: reliance on debt, and it sounds like you you know,

570
00:26:57,800 --> 00:27:01,399
Speaker 3: you're aware of that problem, but I really just I

571
00:27:01,720 --> 00:27:04,560
Speaker 3: hope whatever you do, you keep on the path toward

572
00:27:04,600 --> 00:27:07,719
Speaker 3: paying that down and definitely staying on top of the

573
00:27:07,760 --> 00:27:10,440
Speaker 3: intro periods on those balance transfers so you don't get

574
00:27:10,440 --> 00:27:14,640
Speaker 3: caught with my least favorite deferred interest getting tacked onto

575
00:27:14,680 --> 00:27:16,760
Speaker 3: it if you aren't able to pay it off before

576
00:27:16,800 --> 00:27:19,760
Speaker 3: that intro period's over exactly.

577
00:27:19,960 --> 00:27:22,399
Speaker 1: So, I mean, I know it doesn't sound because I

578
00:27:22,400 --> 00:27:23,679
Speaker 1: definitely remember the first time I was.

579
00:27:23,680 --> 00:27:25,520
Speaker 2: Like, I was like, broh, wait, what how much?

580
00:27:26,000 --> 00:27:29,320
Speaker 3: What I've never done what my husband has? And I

581
00:27:29,359 --> 00:27:32,320
Speaker 3: think we did. I think you got like five thousand.

582
00:27:32,440 --> 00:27:37,320
Speaker 3: But it's you knows, the balance transfers ultimately for their

583
00:27:37,320 --> 00:27:39,840
Speaker 3: benefit because they're getting you to spend money on their

584
00:27:39,880 --> 00:27:43,520
Speaker 3: credit card instead of your existing banks credit card. They're

585
00:27:43,520 --> 00:27:46,840
Speaker 3: not trying to you know, it's a fine balance they

586
00:27:46,840 --> 00:27:49,440
Speaker 3: have to. They definitely like the fact that people are

587
00:27:49,440 --> 00:27:51,600
Speaker 3: in debt enough to want to switch to their you know,

588
00:27:51,680 --> 00:27:53,639
Speaker 3: intro period credit card, but they kind of want you

589
00:27:53,680 --> 00:27:56,880
Speaker 3: to stay in debt too, so it doesn't quite behoove

590
00:27:56,920 --> 00:27:59,280
Speaker 3: them to, you know, give you everything you need to

591
00:27:59,320 --> 00:28:02,640
Speaker 3: pay off your debt. But that's a good question though.

592
00:28:02,800 --> 00:28:05,240
Speaker 3: In good luck on your debt payoff journey, it sounds

593
00:28:05,240 --> 00:28:06,719
Speaker 3: like you've made a lot of good progress and you're

594
00:28:07,160 --> 00:28:11,480
Speaker 3: gonna say, yeah, major kudos, my friend. You're on your way.

595
00:28:11,600 --> 00:28:15,000
Speaker 3: All right, Let's take another question. This one comes also

596
00:28:15,040 --> 00:28:17,240
Speaker 3: from the GRAM and she would like to remain Oh,

597
00:28:17,320 --> 00:28:21,360
Speaker 3: she or he would like to remain anonymous. All right,

598
00:28:21,440 --> 00:28:24,560
Speaker 3: She says, I have friend recently put me onto your podcast,

599
00:28:24,560 --> 00:28:27,360
Speaker 3: and I'm thankful beyond measure to have access to your platform.

600
00:28:27,359 --> 00:28:30,280
Speaker 3: I'm reaching out for any support you can offer. I'm

601
00:28:30,280 --> 00:28:33,400
Speaker 3: seeking guidance with my savings account. I've managed to save

602
00:28:33,440 --> 00:28:35,760
Speaker 3: close to forty thousand dollars and I just have no

603
00:28:35,840 --> 00:28:38,040
Speaker 3: idea what to do with it. I already have a

604
00:28:38,040 --> 00:28:41,240
Speaker 3: life insurance policy that I contribute to annually and a

605
00:28:41,280 --> 00:28:44,480
Speaker 3: four or three B through work. I initially began saving

606
00:28:44,520 --> 00:28:46,400
Speaker 3: to have cash to put down on a home, but

607
00:28:46,480 --> 00:28:49,080
Speaker 3: once the pandemic hit, I had to relocate, and home

608
00:28:49,120 --> 00:28:51,960
Speaker 3: ownership is now on the back burner until personal things

609
00:28:52,000 --> 00:28:55,080
Speaker 3: get on track. I guess my question is how can

610
00:28:55,120 --> 00:28:57,760
Speaker 3: I capitalize on the money I've saved? Is there a

611
00:28:57,800 --> 00:28:59,960
Speaker 3: better place to hold this much money other than my

612
00:29:00,080 --> 00:29:02,960
Speaker 3: Bank of America savans account. My goal is to have

613
00:29:03,040 --> 00:29:06,440
Speaker 3: fifty thousand dollars and with my current budgeting plan, I

614
00:29:06,480 --> 00:29:09,120
Speaker 3: should be able to get there by March, which is awesome.

615
00:29:09,520 --> 00:29:12,160
Speaker 3: But then what question mark?

616
00:29:13,440 --> 00:29:15,560
Speaker 1: I'm gonna call them logan so that except for he

617
00:29:15,680 --> 00:29:17,840
Speaker 1: or she? Right, sure, I feel like Logan is such

618
00:29:17,880 --> 00:29:20,000
Speaker 1: a great like he she named? You know, doesn't matter.

619
00:29:20,000 --> 00:29:24,680
Speaker 3: Gender, New Trump all about it, right, Lolo?

620
00:29:25,080 --> 00:29:29,160
Speaker 1: First of all, BA, not black brand ambition, but Bank

621
00:29:29,200 --> 00:29:34,960
Speaker 1: of America, I please run, meaning as far as like

622
00:29:35,040 --> 00:29:39,040
Speaker 1: leaving your money and you're in a traditional I mean

623
00:29:39,040 --> 00:29:42,520
Speaker 1: they're not giving much interest away. But I suspect that

624
00:29:42,600 --> 00:29:44,640
Speaker 1: BA is literally they.

625
00:29:45,160 --> 00:29:48,680
Speaker 3: They were a piece because like we're BA.

626
00:29:48,280 --> 00:29:50,680
Speaker 2: B a b of ay. Let's do b a so

627
00:29:50,800 --> 00:29:51,160
Speaker 2: b of a.

628
00:29:51,360 --> 00:29:53,560
Speaker 1: I bet you they're not even giving like a piece

629
00:29:53,560 --> 00:29:55,400
Speaker 1: of a penny anyway. They're just giving a link pocket

630
00:29:55,400 --> 00:29:59,040
Speaker 1: lint now, because you know they traditional banks tend to

631
00:29:59,040 --> 00:30:02,240
Speaker 1: give like the worst interest pay pay, you know, as

632
00:30:02,280 --> 00:30:04,440
Speaker 1: far as paid a to a savings account.

633
00:30:04,520 --> 00:30:05,560
Speaker 2: So at the very.

634
00:30:05,560 --> 00:30:09,000
Speaker 1: Least switch on over to an online on lead bank, Like,

635
00:30:09,120 --> 00:30:11,160
Speaker 1: for example, if you go to magnified money dot com,

636
00:30:11,160 --> 00:30:13,400
Speaker 1: that's like my favorite site to find online only banks

637
00:30:13,720 --> 00:30:15,880
Speaker 1: and just type in, like you click on the savings

638
00:30:16,600 --> 00:30:18,840
Speaker 1: button and you can see a bunch of them listed.

639
00:30:19,200 --> 00:30:21,320
Speaker 1: You're just gonna look for who's paying out the highest

640
00:30:21,320 --> 00:30:26,160
Speaker 1: interest currently zero deposit required or like a dollar deposit

641
00:30:26,240 --> 00:30:29,720
Speaker 1: required that you can keep like a dollar in order

642
00:30:29,760 --> 00:30:32,320
Speaker 1: to earn the highest interest that they're paying out, and

643
00:30:32,360 --> 00:30:34,800
Speaker 1: that they that it's given at least an A. I

644
00:30:34,800 --> 00:30:37,000
Speaker 1: always look for an A because Magnified Money does a

645
00:30:37,000 --> 00:30:39,800
Speaker 1: really great thing where they give them grades. But here's

646
00:30:39,840 --> 00:30:41,680
Speaker 1: I mean, I know everybody's wanting to like put their

647
00:30:41,720 --> 00:30:42,600
Speaker 1: money to work.

648
00:30:42,440 --> 00:30:43,920
Speaker 2: But you haven't.

649
00:30:43,960 --> 00:30:48,320
Speaker 1: She didn't really Well, Logan didn't share if they had

650
00:30:48,400 --> 00:30:50,440
Speaker 1: emergency savings, right right, Mandy.

651
00:30:50,360 --> 00:30:54,000
Speaker 3: Well she does say that she I should say, I'm

652
00:30:54,040 --> 00:30:57,560
Speaker 3: like getting my logan into trouble. Anyway, Logan said that

653
00:30:57,800 --> 00:31:00,480
Speaker 3: they have a four H three B through work and

654
00:31:00,520 --> 00:31:02,440
Speaker 3: they pay into a life insurance policy. I'm going to

655
00:31:02,480 --> 00:31:04,960
Speaker 3: guess this forty K. They say that they put it

656
00:31:05,000 --> 00:31:08,360
Speaker 3: aside to save up for a home. Let's assume that

657
00:31:08,400 --> 00:31:11,640
Speaker 3: this is downpayment money. But also emergency savings.

658
00:31:11,880 --> 00:31:14,560
Speaker 1: That's when I got the vibe right then, like lol,

659
00:31:14,800 --> 00:31:18,320
Speaker 1: I would say I would add, like, figure out what

660
00:31:18,320 --> 00:31:20,320
Speaker 1: your noodle budget is, meaning like if your life costs

661
00:31:20,400 --> 00:31:23,080
Speaker 1: you typically say five thousand bucks a month, but if

662
00:31:23,080 --> 00:31:25,920
Speaker 1: you just pay for the essentials, it's three thousand bucks.

663
00:31:25,960 --> 00:31:29,160
Speaker 1: Let's just pretend, so three thousand times six months is

664
00:31:29,200 --> 00:31:32,000
Speaker 1: eighteen thousand dollars. So then eighteen thousand should just honestly

665
00:31:32,120 --> 00:31:34,560
Speaker 1: just that's your first line of defense. It should just

666
00:31:34,600 --> 00:31:35,080
Speaker 1: be saved.

667
00:31:35,240 --> 00:31:35,640
Speaker 2: That's it.

668
00:31:35,840 --> 00:31:38,960
Speaker 1: And then the other component is where you might want

669
00:31:38,960 --> 00:31:41,880
Speaker 1: to if depending when do you need it. If you're like, oh,

670
00:31:41,880 --> 00:31:43,560
Speaker 1: I might want to buy a house in two years,

671
00:31:43,680 --> 00:31:45,719
Speaker 1: well maybe you don't want to put it into the market.

672
00:31:45,760 --> 00:31:47,480
Speaker 1: But if you're like, you know what, I don't know

673
00:31:47,480 --> 00:31:49,040
Speaker 1: what I'm going to want to buy a house, I

674
00:31:49,040 --> 00:31:51,320
Speaker 1: don't mind leaving the money alone for three to five years,

675
00:31:51,360 --> 00:31:54,120
Speaker 1: And you might want to look into slowly but surely

676
00:31:54,160 --> 00:31:56,600
Speaker 1: putting money into an index fund so you can see

677
00:31:56,640 --> 00:31:59,560
Speaker 1: if you'll get like a you know, a better return

678
00:31:59,560 --> 00:32:01,560
Speaker 1: than you would than savings. So I guess it all

679
00:32:01,560 --> 00:32:05,320
Speaker 1: depends on like what her what Logan's goals are. If

680
00:32:05,880 --> 00:32:07,640
Speaker 1: you know like if if you don't have emergent, I

681
00:32:07,680 --> 00:32:10,120
Speaker 1: always say, start with emergency savings and then work from there.

682
00:32:10,240 --> 00:32:12,040
Speaker 3: What do you think, Mandra, Yeah, it kind of reminds

683
00:32:12,080 --> 00:32:13,800
Speaker 3: me of a question we got last week. I forget

684
00:32:13,840 --> 00:32:15,720
Speaker 3: the particulars, but I know at a certain point we

685
00:32:15,760 --> 00:32:17,840
Speaker 3: were like, look when it comes to us, when it

686
00:32:17,840 --> 00:32:21,720
Speaker 3: comes to savings that you want easily accessible, like you

687
00:32:21,760 --> 00:32:23,480
Speaker 3: don't have to overthink it, just put it in a

688
00:32:23,520 --> 00:32:26,160
Speaker 3: savings account. And you know, BAA is nothing special in

689
00:32:26,240 --> 00:32:28,520
Speaker 3: terms of big banks. Every big bank out there, you

690
00:32:28,560 --> 00:32:33,600
Speaker 3: know your chases, your oh TD banks, You're I'm just

691
00:32:33,720 --> 00:32:36,360
Speaker 3: any big bank, like they all the traditional brick and

692
00:32:36,400 --> 00:32:40,080
Speaker 3: mortar banks typically give you really low to nothing rates

693
00:32:40,120 --> 00:32:42,520
Speaker 3: on your savings, so you're not gonna make money on

694
00:32:42,560 --> 00:32:45,720
Speaker 3: your savings and online only banks, like Tiffany said, yes,

695
00:32:45,760 --> 00:32:49,640
Speaker 3: they often have much much higher yields on their savings accounts,

696
00:32:49,640 --> 00:32:52,600
Speaker 3: but they're still like one percent maybe these days, like

697
00:32:52,720 --> 00:32:55,480
Speaker 3: less than one percent. They're not amazing. They're not like

698
00:32:55,880 --> 00:32:58,720
Speaker 3: gonna make you, you know rich On rich On rich

699
00:32:58,800 --> 00:33:01,320
Speaker 3: the way that you know you can really you know,

700
00:33:01,560 --> 00:33:05,240
Speaker 3: you can really compound your returns, your return on investment

701
00:33:05,280 --> 00:33:07,880
Speaker 3: through investing in the stock market. You just have to

702
00:33:07,920 --> 00:33:11,240
Speaker 3: like adjust your expectations and remember what the money is

703
00:33:11,320 --> 00:33:14,680
Speaker 3: in the savings account. For the money in your savings account.

704
00:33:14,720 --> 00:33:16,800
Speaker 3: You know, the way that I approach it, it's not to

705
00:33:16,960 --> 00:33:20,360
Speaker 3: grow wealth. This is to protect what you have and

706
00:33:20,400 --> 00:33:23,040
Speaker 3: protect yourself for the future, to protect yourself against debt,

707
00:33:23,200 --> 00:33:26,320
Speaker 3: and to save for short term goals. So it sounds

708
00:33:26,400 --> 00:33:29,000
Speaker 3: like what you have right now in savings is like, okay,

709
00:33:29,120 --> 00:33:32,280
Speaker 3: some cushion for for protection, which is really important, and

710
00:33:32,320 --> 00:33:34,720
Speaker 3: then also for a short ish term. You know, even

711
00:33:34,720 --> 00:33:36,160
Speaker 3: though you're not going to buy a house now, like

712
00:33:36,160 --> 00:33:37,640
Speaker 3: Tiffany said, you might want to get one of the

713
00:33:37,680 --> 00:33:39,880
Speaker 3: next one to two years. That to me is still

714
00:33:39,880 --> 00:33:42,160
Speaker 3: a short enough timeline to say, you know, keep it

715
00:33:42,160 --> 00:33:44,120
Speaker 3: in a bank account, and you know, if you want

716
00:33:44,120 --> 00:33:46,400
Speaker 3: to switch it, definitely, you know you could. I don't

717
00:33:46,400 --> 00:33:48,760
Speaker 3: know what the math is like if you if you,

718
00:33:48,760 --> 00:33:51,320
Speaker 3: you know, switch that, put that forty K into a

719
00:33:51,440 --> 00:33:55,000
Speaker 3: high interest account. You'll certainly earn some money on that money.

720
00:33:55,040 --> 00:33:57,160
Speaker 3: And like, who wants to not do that? If you

721
00:33:57,200 --> 00:33:59,920
Speaker 3: have the option, so do that. But then you know,

722
00:34:00,160 --> 00:34:02,440
Speaker 3: you just don't, don't don't don't expect more out of

723
00:34:02,520 --> 00:34:04,920
Speaker 3: your savings account than what it's meant for. And when

724
00:34:04,960 --> 00:34:09,320
Speaker 3: you're ready to, you know, upgrade to a brokerage account

725
00:34:09,400 --> 00:34:11,360
Speaker 3: and just go ahead and invest in the stock market.

726
00:34:11,640 --> 00:34:14,120
Speaker 3: Excuse me. You have to sort of start from Okay,

727
00:34:14,160 --> 00:34:17,759
Speaker 3: what are my goals and in which order? So emergency fund, tick,

728
00:34:18,040 --> 00:34:21,280
Speaker 3: down payment for a house tick. Then what other goals

729
00:34:21,280 --> 00:34:23,600
Speaker 3: do you have if they're in the short term, and

730
00:34:23,640 --> 00:34:26,319
Speaker 3: then keep extending those goals out to the long term.

731
00:34:26,360 --> 00:34:29,560
Speaker 3: And it's that like for me past five years, that's

732
00:34:29,640 --> 00:34:33,080
Speaker 3: when I feel like, you know, definitely trying to invest

733
00:34:33,120 --> 00:34:36,799
Speaker 3: in the stock market might make the most sense. Yeah,

734
00:34:36,840 --> 00:34:38,920
Speaker 3: and forty k sounds like a lot, But Tiffany, once

735
00:34:38,960 --> 00:34:41,560
Speaker 3: you start doing that math of like even with your

736
00:34:41,600 --> 00:34:44,880
Speaker 3: even with your you know, your conservative budget there of

737
00:34:44,920 --> 00:34:46,799
Speaker 3: like six k a month. Wait what did you Yeah,

738
00:34:46,800 --> 00:34:49,759
Speaker 3: eighteen k that's already half of that savings. And then

739
00:34:49,840 --> 00:34:51,640
Speaker 3: if you put in another twenty k for a down

740
00:34:51,640 --> 00:34:54,000
Speaker 3: payment and you don't want to, like you don't want

741
00:34:54,000 --> 00:34:55,759
Speaker 3: to buy a house and then have nothing in the

742
00:34:55,760 --> 00:34:57,880
Speaker 3: bank you need to have you want to have something

743
00:34:57,960 --> 00:34:59,959
Speaker 3: left over, so you don't want to put the full

744
00:35:00,120 --> 00:35:01,960
Speaker 3: forty k into a house, so that you have zero

745
00:35:02,080 --> 00:35:06,520
Speaker 3: savings left over. What if something happens like our plumbing

746
00:35:06,600 --> 00:35:09,160
Speaker 3: just blew up, you know, six months into owning a house.

747
00:35:09,200 --> 00:35:12,080
Speaker 3: So you want to have you know, cash cushions set

748
00:35:12,080 --> 00:35:14,319
Speaker 3: aside for that as well, if you're going to become

749
00:35:14,320 --> 00:35:14,880
Speaker 3: a homeowner.

750
00:35:15,280 --> 00:35:17,400
Speaker 1: No, absolutely, and you're right because I mean forty k

751
00:35:17,480 --> 00:35:19,400
Speaker 1: it's it's a lot of money until you start to

752
00:35:19,440 --> 00:35:22,560
Speaker 1: really until you start to disperse it, you know, and

753
00:35:22,600 --> 00:35:25,360
Speaker 1: to say, because that's what you're wanting. You the stronger

754
00:35:25,400 --> 00:35:29,960
Speaker 1: the foundation, the better. I mean, everyone has financial challenges

755
00:35:30,000 --> 00:35:33,000
Speaker 1: at some point, So what you're wanting to do is like, Okay,

756
00:35:33,080 --> 00:35:35,560
Speaker 1: what do I what can I do to help to

757
00:35:36,280 --> 00:35:38,920
Speaker 1: leverage against that? Like okay, if I've got to if

758
00:35:38,920 --> 00:35:42,440
Speaker 1: I've got my emergency savings, if I've put you know,

759
00:35:42,480 --> 00:35:45,040
Speaker 1: a decent amount down in the house, if you know,

760
00:35:45,080 --> 00:35:47,360
Speaker 1: I'm living already living below my means. It's like the

761
00:35:47,440 --> 00:35:49,879
Speaker 1: non fun things, but those are the things when things

762
00:35:49,960 --> 00:35:53,080
Speaker 1: get rough, it's not as rough for you because you've

763
00:35:53,120 --> 00:35:55,239
Speaker 1: put those things into place. And I think that's the

764
00:35:55,280 --> 00:35:57,160
Speaker 1: place that like, you know, Mandy and I because you know,

765
00:35:57,200 --> 00:36:01,120
Speaker 1: we we weren't living these like footloos and fancy refinancial lives.

766
00:36:01,160 --> 00:36:03,960
Speaker 1: But as a result this year, although you know it's

767
00:36:04,000 --> 00:36:06,400
Speaker 1: not been easy, we haven't been devastated by it.

768
00:36:07,400 --> 00:36:12,120
Speaker 3: Yeah, and I mean I also feel like, oh dang it,

769
00:36:12,160 --> 00:36:16,799
Speaker 3: my mom brain just cricked in. It's kind of like

770
00:36:16,840 --> 00:36:20,040
Speaker 3: if you're walking, if you're like climbing a tree and

771
00:36:20,080 --> 00:36:22,480
Speaker 3: then all of a sudden the branch is gone. That's

772
00:36:22,560 --> 00:36:25,600
Speaker 3: kind of what mom brain is like, and the tree

773
00:36:25,960 --> 00:36:28,239
Speaker 3: is my train of thought. Let's just kip it. I

774
00:36:28,280 --> 00:36:30,560
Speaker 3: don't know for any mom listening. I'm going to keep

775
00:36:30,600 --> 00:36:32,239
Speaker 3: this in the podcast so you don't feel alone.

776
00:36:33,760 --> 00:36:35,799
Speaker 2: Well, what do you call my brain? Because I'm always like, wait,

777
00:36:35,960 --> 00:36:36,920
Speaker 2: who am I?

778
00:36:38,200 --> 00:36:39,640
Speaker 1: Because literally you're like, you know, you do that thing

779
00:36:39,680 --> 00:36:41,600
Speaker 1: you come to the kitchen or whatever, You're like, what

780
00:36:41,640 --> 00:36:42,600
Speaker 1: am I looking for?

781
00:36:42,760 --> 00:36:44,240
Speaker 2: What did I come here? Forward?

782
00:36:44,560 --> 00:36:46,040
Speaker 1: And you're like, I don't want to go back upstairs

783
00:36:46,040 --> 00:36:47,680
Speaker 1: because I know I'm gonna remember as soon as.

784
00:36:47,560 --> 00:36:48,760
Speaker 2: I get to the third floor.

785
00:36:48,920 --> 00:36:51,719
Speaker 3: I found a robot in the fridge yesterday. So that's me.

786
00:36:51,960 --> 00:36:53,160
Speaker 2: Oh yep.

787
00:36:53,960 --> 00:36:57,520
Speaker 3: Well, thank you, thank you Logan or Lolo as we've

788
00:36:57,520 --> 00:37:01,520
Speaker 3: already nicknamed your fake name. Thank you for question if

789
00:37:01,560 --> 00:37:03,160
Speaker 3: y'all want to answer, if you want us to answer

790
00:37:03,200 --> 00:37:06,600
Speaker 3: your questions, hit us up Brandabision podcast on Instagram or

791
00:37:06,680 --> 00:37:12,600
Speaker 3: Brandabision podcast gmail dot com dot com.

792
00:37:12,640 --> 00:37:17,560
Speaker 1: And now it's time to boostop break up, boostop, break

793
00:37:20,200 --> 00:37:25,719
Speaker 1: stop break well, I want to I guess I want

794
00:37:25,760 --> 00:37:28,239
Speaker 1: to boost. Have you heard a clubhouse?

795
00:37:28,320 --> 00:37:30,000
Speaker 3: Mandra crackers?

796
00:37:30,600 --> 00:37:32,360
Speaker 2: No clubhouse? No?

797
00:37:32,360 --> 00:37:32,440
Speaker 1: No?

798
00:37:33,000 --> 00:37:34,000
Speaker 2: Do you know how to clubhouse?

799
00:37:34,000 --> 00:37:36,160
Speaker 3: It is my husband's favorite characters. No, I have not

800
00:37:37,080 --> 00:37:37,479
Speaker 3: for real?

801
00:37:38,040 --> 00:37:38,279
Speaker 2: No?

802
00:37:38,640 --> 00:37:40,240
Speaker 3: Yes, no, Oh my god, I'm streussed.

803
00:37:40,560 --> 00:37:42,239
Speaker 1: I'm surprised because I feel like I've aays been talking

804
00:37:42,239 --> 00:37:46,360
Speaker 1: about it. So clubhouse is like this new app that

805
00:37:47,239 --> 00:37:50,400
Speaker 1: it's enough new social app, yay, but it's different in

806
00:37:50,440 --> 00:37:51,720
Speaker 1: that it's completely audio.

807
00:37:51,800 --> 00:37:53,239
Speaker 2: So what happens with the clubhouse? It took me how

808
00:37:53,280 --> 00:37:54,279
Speaker 2: to figure out how to use it.

809
00:37:54,320 --> 00:37:56,560
Speaker 1: So what happens is and you let me know magic

810
00:37:56,600 --> 00:37:58,239
Speaker 1: because I've got like some invitation. If you want me

811
00:37:58,239 --> 00:38:00,960
Speaker 1: to invite you to clubhouse, okay, that you have to

812
00:38:01,040 --> 00:38:04,640
Speaker 1: have an Apple like either like an iPhone or iPad.

813
00:38:04,719 --> 00:38:06,440
Speaker 1: You know me, I'm Android all the way as far

814
00:38:06,480 --> 00:38:09,080
Speaker 1: as my like my computer is a Mac, but my phone.

815
00:38:09,200 --> 00:38:10,800
Speaker 1: So I was like, guess I won't join because you

816
00:38:10,800 --> 00:38:12,800
Speaker 1: can't do it on your computer. But then I want

817
00:38:12,840 --> 00:38:14,840
Speaker 1: an iPad and if you know cheapy me, I was like,

818
00:38:14,880 --> 00:38:16,799
Speaker 1: that's the only reason why I joined. But you have

819
00:38:16,840 --> 00:38:18,879
Speaker 1: to be invited by like a friend that's already in there,

820
00:38:18,880 --> 00:38:22,160
Speaker 1: which is not hard to find someone that's already in there.

821
00:38:22,200 --> 00:38:25,160
Speaker 1: And then what happens is there's like you can host

822
00:38:25,200 --> 00:38:26,960
Speaker 1: a room. You could literally I can click right now

823
00:38:27,000 --> 00:38:29,080
Speaker 1: start a room, and then I could I could start

824
00:38:29,120 --> 00:38:31,560
Speaker 1: teaching a lesson. So people can't see you, but they

825
00:38:31,600 --> 00:38:33,879
Speaker 1: can hear you, and sometimes most people join host.

826
00:38:33,920 --> 00:38:36,960
Speaker 2: So like you and I might both talk about like.

827
00:38:37,000 --> 00:38:39,359
Speaker 1: Hey Manjoe, let's po let's do a brod ambition room

828
00:38:39,360 --> 00:38:41,520
Speaker 1: where we talk about like you know how you know

829
00:38:41,640 --> 00:38:44,360
Speaker 1: how to launch a podcast, and then we'll talk and

830
00:38:44,400 --> 00:38:46,640
Speaker 1: then you can invite people on stage with you, kind

831
00:38:46,640 --> 00:38:48,360
Speaker 1: of like so you and I could be talking and

832
00:38:48,400 --> 00:38:50,160
Speaker 1: someone might raise their hand because there's like a button

833
00:38:50,160 --> 00:38:51,920
Speaker 1: you can click to raise your hand, and we might

834
00:38:51,960 --> 00:38:53,640
Speaker 1: pull someone on stage and then they can talk and

835
00:38:53,719 --> 00:38:55,400
Speaker 1: chair and then they go back into the audience.

836
00:38:55,800 --> 00:38:56,440
Speaker 2: I'm not gonna lie.

837
00:38:56,440 --> 00:38:59,040
Speaker 1: At first, I was kind of like, I like, I

838
00:38:59,160 --> 00:39:02,279
Speaker 1: don't like because it was weird to me.

839
00:39:02,400 --> 00:39:03,560
Speaker 2: I was like, I don't care.

840
00:39:03,600 --> 00:39:04,600
Speaker 3: So is it social media.

841
00:39:05,440 --> 00:39:08,480
Speaker 1: It is social media, which I was like another social

842
00:39:08,520 --> 00:39:11,120
Speaker 1: media thing. And so a friend of mine hosted like

843
00:39:11,160 --> 00:39:14,120
Speaker 1: a welcome party for me, which is not really welcome party,

844
00:39:14,280 --> 00:39:16,640
Speaker 1: just basically a room to say welcome Tiffany the budgetist

845
00:39:16,680 --> 00:39:17,280
Speaker 1: to the clubhouse.

846
00:39:17,760 --> 00:39:20,000
Speaker 2: And so people kind of gave me like their best practices.

847
00:39:20,320 --> 00:39:22,879
Speaker 1: So what I do like is that, for example, it's

848
00:39:22,920 --> 00:39:27,320
Speaker 1: a really great I guess, especially with everyone being home now,

849
00:39:27,719 --> 00:39:29,959
Speaker 1: especially if you're kind of by yourself, it's great because

850
00:39:29,960 --> 00:39:33,319
Speaker 1: you can actually hear human voices, like real people. And

851
00:39:33,560 --> 00:39:35,279
Speaker 1: so some of the rooms have been great. I think

852
00:39:35,280 --> 00:39:36,640
Speaker 1: I didn't like at first because some of the rooms

853
00:39:36,680 --> 00:39:37,839
Speaker 1: I'm like, I don't get it, like what are they

854
00:39:37,840 --> 00:39:40,319
Speaker 1: talking about? But there'd be interesting rooms, like today I

855
00:39:40,360 --> 00:39:42,760
Speaker 1: was in a room about, like, you know, a marketing

856
00:39:42,760 --> 00:39:44,520
Speaker 1: and I love marketing, so I was like listening to

857
00:39:45,080 --> 00:39:48,520
Speaker 1: successful people who were successful at marketing talk about marketing.

858
00:39:48,800 --> 00:39:50,680
Speaker 1: Or sometimes you have an interesting room where they're playing

859
00:39:50,760 --> 00:39:53,839
Speaker 1: like charades or whatever, like games and they're like, oh,

860
00:39:53,840 --> 00:39:56,640
Speaker 1: this is fun. Or like there was a room where

861
00:39:56,680 --> 00:40:00,120
Speaker 1: they were like music folks like Jermaine Duprie and like

862
00:40:00,440 --> 00:40:03,320
Speaker 1: some other like musicians and things they were talking about

863
00:40:03,600 --> 00:40:05,920
Speaker 1: he was actually hosting a room called the DJ and

864
00:40:05,960 --> 00:40:08,160
Speaker 1: how important the DJ is to music. So if I

865
00:40:08,239 --> 00:40:10,520
Speaker 1: was a young DJ, i'd be like really excited to

866
00:40:10,560 --> 00:40:12,640
Speaker 1: be in a room with like a Jermaine Dupree and

867
00:40:12,680 --> 00:40:15,520
Speaker 1: some other like you know, famous DJ. So it's like

868
00:40:15,680 --> 00:40:18,960
Speaker 1: very democratizing, which I kind of like. Because like there

869
00:40:19,000 --> 00:40:21,959
Speaker 1: was run room that they did a couple of weeks

870
00:40:21,960 --> 00:40:25,040
Speaker 1: ago called Kevin Hart is not Funny and Kevin Hart

871
00:40:25,120 --> 00:40:29,920
Speaker 1: joined the room. Yeah word yes, and he was like

872
00:40:29,960 --> 00:40:31,920
Speaker 1: oh and they let him talk and he basically he

873
00:40:32,040 --> 00:40:32,760
Speaker 1: was like, yeah.

874
00:40:32,640 --> 00:40:35,200
Speaker 2: Black women never support black men whatever he said.

875
00:40:35,280 --> 00:40:37,799
Speaker 3: But I mean, but you can hear his voice. This

876
00:40:37,880 --> 00:40:40,959
Speaker 3: sounds interesting and also kind of creepy. As a child

877
00:40:41,040 --> 00:40:43,880
Speaker 3: who you know, was in you know, when the Internet

878
00:40:43,920 --> 00:40:45,560
Speaker 3: became a thing when I was like twelve, it was

879
00:40:45,600 --> 00:40:47,480
Speaker 3: like ooh m a Sun chat rooms, and it was

880
00:40:48,440 --> 00:40:50,239
Speaker 3: that's what vibe I'm getting.

881
00:40:50,520 --> 00:40:52,640
Speaker 1: It's very it's a it's a chat room, but like

882
00:40:52,680 --> 00:40:54,000
Speaker 1: to actually connect and here.

883
00:40:53,920 --> 00:40:55,960
Speaker 3: No one's going to be like ASO okay, good.

884
00:40:56,280 --> 00:40:58,400
Speaker 2: Yeah. So well like some of the rooms, you're just

885
00:40:58,440 --> 00:41:00,560
Speaker 2: like this is weird. But you could che whatever room

886
00:41:00,600 --> 00:41:01,680
Speaker 2: you can, so you can kind of poke.

887
00:41:01,520 --> 00:41:03,279
Speaker 1: Your head and so sometimes I like listen and I'm like,

888
00:41:03,760 --> 00:41:05,719
Speaker 1: I would say, at least once a day, I'll look

889
00:41:05,760 --> 00:41:08,640
Speaker 1: to see if there's anything like interesting that I wanted

890
00:41:08,640 --> 00:41:10,800
Speaker 1: to learn about, like sometimes they had a room like

891
00:41:10,800 --> 00:41:13,280
Speaker 1: how to take your business from six figures to seven figures,

892
00:41:13,800 --> 00:41:16,319
Speaker 1: you know. So so yeah, so I would say that

893
00:41:16,440 --> 00:41:19,440
Speaker 1: it's it's interesting. I will send you an invite so

894
00:41:19,520 --> 00:41:22,080
Speaker 1: you can join and you'll see if you like it.

895
00:41:22,120 --> 00:41:24,040
Speaker 1: But I will say, like, you definitely want to because

896
00:41:24,040 --> 00:41:26,080
Speaker 1: there's so many notifications. I'm glad because I don't want

897
00:41:26,120 --> 00:41:28,600
Speaker 1: to use my iPad because I'm like, I don't even

898
00:41:28,640 --> 00:41:29,080
Speaker 1: know how to use it.

899
00:41:29,080 --> 00:41:30,640
Speaker 2: That well, I'm not gonna lie since I just got it.

900
00:41:30,640 --> 00:41:32,520
Speaker 1: But so the good thing is is that I'm actually

901
00:41:32,520 --> 00:41:34,640
Speaker 1: happy that it's on my iPad because I don't use it,

902
00:41:34,760 --> 00:41:36,719
Speaker 1: so I have to, like the only time I use

903
00:41:36,760 --> 00:41:37,640
Speaker 1: it is for clubhouse.

904
00:41:37,640 --> 00:41:40,040
Speaker 2: So I would say maybe once or twice.

905
00:41:39,800 --> 00:41:44,920
Speaker 3: A day, so like, I'm definitely my interest is piqued.

906
00:41:44,960 --> 00:41:47,440
Speaker 3: I don't know how. I don't know about this, but yeah,

907
00:41:48,480 --> 00:41:49,000
Speaker 3: I will.

908
00:41:48,840 --> 00:41:49,560
Speaker 2: Send you an invite.

909
00:41:49,560 --> 00:41:51,520
Speaker 1: You know. I'm glad, yeah, because I think that you know,

910
00:41:51,600 --> 00:41:53,680
Speaker 1: like I said, I think it like I said it

911
00:41:54,160 --> 00:41:56,279
Speaker 1: might be fun to host a room, or like I said,

912
00:41:56,360 --> 00:41:59,439
Speaker 1: just to go in and listen to like interesting conversations.

913
00:41:59,480 --> 00:42:02,400
Speaker 1: And yeah, I have to say because my sister, I

914
00:42:02,480 --> 00:42:05,080
Speaker 1: gave her an invite. The sister you guys love the

915
00:42:05,360 --> 00:42:08,200
Speaker 1: investing sister, and she's joined a bunch of investing rooms

916
00:42:08,200 --> 00:42:10,040
Speaker 1: and she's like they've been really interesting and she's learned

917
00:42:10,080 --> 00:42:10,680
Speaker 1: a lot of stuff.

918
00:42:10,719 --> 00:42:12,560
Speaker 2: So you know, if you can here's the thing that's

919
00:42:12,600 --> 00:42:13,000
Speaker 2: so crazy.

920
00:42:13,000 --> 00:42:14,520
Speaker 1: You can like wake up three o'clock in the morning

921
00:42:14,560 --> 00:42:18,280
Speaker 1: and there're people like with rooms like discussing whatever.

922
00:42:18,320 --> 00:42:20,120
Speaker 2: Because you know, people live all over the world, so.

923
00:42:20,960 --> 00:42:22,640
Speaker 3: And you can't tell me it's just voices.

924
00:42:22,920 --> 00:42:24,560
Speaker 1: Yeah, that's why I think people like it. So you

925
00:42:24,560 --> 00:42:26,640
Speaker 1: don't have to get cute literally just voices.

926
00:42:26,760 --> 00:42:28,920
Speaker 3: Can you just chime them with you just add to

927
00:42:29,000 --> 00:42:29,680
Speaker 3: the conversation.

928
00:42:30,520 --> 00:42:32,400
Speaker 1: So what happens is is that like if you and

929
00:42:32,440 --> 00:42:34,200
Speaker 1: I were to say, like click literally there's like a

930
00:42:34,200 --> 00:42:36,040
Speaker 1: green button, I might say, maybe let's start a room.

931
00:42:36,080 --> 00:42:37,040
Speaker 2: So let's start a room.

932
00:42:37,120 --> 00:42:39,239
Speaker 1: You and I are in there, people would come in

933
00:42:39,280 --> 00:42:42,160
Speaker 1: and they're they're at first, they're in the audience. We

934
00:42:42,200 --> 00:42:45,320
Speaker 1: can either click someone and say I'm inviting you to speak,

935
00:42:45,800 --> 00:42:47,839
Speaker 1: or they can click a hand button.

936
00:42:47,680 --> 00:42:50,200
Speaker 2: Where it's basically raises their hands and then we can say.

937
00:42:50,160 --> 00:42:54,040
Speaker 3: It's so IG video thing like an IG live.

938
00:42:54,200 --> 00:42:56,719
Speaker 1: Yeah, yeah, without the without the video. So that way

939
00:42:56,719 --> 00:42:59,080
Speaker 1: you don't have to you don't have to be cute.

940
00:42:59,160 --> 00:43:00,960
Speaker 1: But so you don't like if we don't want anyone

941
00:43:00,960 --> 00:43:02,880
Speaker 1: to speak, but you and I that you don't have

942
00:43:02,920 --> 00:43:04,839
Speaker 1: to invite anyone to speak, which is kind of nice too.

943
00:43:04,840 --> 00:43:07,040
Speaker 1: So it's not like you're but you know, you might

944
00:43:07,239 --> 00:43:09,480
Speaker 1: like you might want to take questions or like you

945
00:43:09,560 --> 00:43:11,239
Speaker 1: might want Like I was in a room the other

946
00:43:11,320 --> 00:43:12,799
Speaker 1: day it was like Abra Duverne. It was like I

947
00:43:12,800 --> 00:43:15,360
Speaker 1: think it was like black Hollywood producers or whatever, and

948
00:43:15,360 --> 00:43:17,480
Speaker 1: it was a bunch of amazing people and if the

949
00:43:17,480 --> 00:43:20,440
Speaker 1: conversation was interesting, but it didn't really resonate with what

950
00:43:20,680 --> 00:43:23,440
Speaker 1: I was working on or anything. Some people are like,

951
00:43:23,440 --> 00:43:25,000
Speaker 1: oh my god, I'm in here all.

952
00:43:24,880 --> 00:43:28,240
Speaker 3: Day, and I'm like, ah, okay, it's.

953
00:43:28,080 --> 00:43:32,160
Speaker 1: Definitely interesting, but I don't. I have not been I

954
00:43:32,200 --> 00:43:34,080
Speaker 1: have not felt the need to be in there all day.

955
00:43:34,120 --> 00:43:35,759
Speaker 1: But I think that you, like I said, you would

956
00:43:35,840 --> 00:43:38,360
Speaker 1: enjoy it, and so I will send you an invite

957
00:43:38,400 --> 00:43:39,319
Speaker 1: to clubhouse.

958
00:43:39,520 --> 00:43:40,719
Speaker 3: Let me in the clubhouse.

959
00:43:40,920 --> 00:43:43,880
Speaker 1: I know that it's really new. Like I said, I

960
00:43:43,920 --> 00:43:45,880
Speaker 1: think it came out in May of this year, so

961
00:43:45,920 --> 00:43:47,799
Speaker 1: like May or March this year, so it's super super new.

962
00:43:47,840 --> 00:43:48,920
Speaker 1: So that's probably I didn't hear.

963
00:43:49,080 --> 00:43:50,600
Speaker 3: Well, my mom hasn't told me about it, so I

964
00:43:50,600 --> 00:43:59,560
Speaker 3: know it's still cool. I'm gonna do a boost. I

965
00:43:59,640 --> 00:44:03,439
Speaker 3: read this headline on CNN that says that black millennials

966
00:44:03,600 --> 00:44:06,880
Speaker 3: have been driving a twenty twenty home buyer surge among

967
00:44:06,920 --> 00:44:10,480
Speaker 3: Black Americans. So shout out to black millennials and the

968
00:44:10,520 --> 00:44:13,600
Speaker 3: emphasis on black home ownership, like I think on this show,

969
00:44:14,000 --> 00:44:16,400
Speaker 3: obviously Tiffany and I have gone through home purchases and

970
00:44:16,440 --> 00:44:18,680
Speaker 3: all that stuff, but we talk about the power of

971
00:44:18,800 --> 00:44:22,880
Speaker 3: owning and how I mean, how do I go You

972
00:44:22,920 --> 00:44:26,719
Speaker 3: can't really go into the history of how Black Americans

973
00:44:26,719 --> 00:44:29,959
Speaker 3: have been held back from wealth generation in the form

974
00:44:30,000 --> 00:44:33,959
Speaker 3: of property. So to see the an increase in black

975
00:44:34,000 --> 00:44:37,240
Speaker 3: home ownership is really great. And according to this article

976
00:44:38,600 --> 00:44:41,839
Speaker 3: some stats for you, three percent rise in black home

977
00:44:41,880 --> 00:44:46,239
Speaker 3: ownership in twenty nineteen, and this came in despite of

978
00:44:46,280 --> 00:44:50,400
Speaker 3: the pandemic fueled economic upheaval for all Americans, but especially

979
00:44:50,480 --> 00:44:53,440
Speaker 3: black Americans. So three percent is not nothing, and it's

980
00:44:53,480 --> 00:44:57,959
Speaker 3: better than years past. And also just to like point out,

981
00:44:58,040 --> 00:45:01,279
Speaker 3: you know, black home buyers were still it's it's it's

982
00:45:01,320 --> 00:45:03,560
Speaker 3: great to see some gains, but we're still a very

983
00:45:03,880 --> 00:45:07,560
Speaker 3: small percentage of all home buyers. So only five percent

984
00:45:07,560 --> 00:45:09,799
Speaker 3: of Americans who bought homes in the first part of

985
00:45:09,800 --> 00:45:16,240
Speaker 3: twenty twenty were black. But the the three percent increase

986
00:45:16,239 --> 00:45:19,200
Speaker 3: in black homeowners has really been driven by Black millennials.

987
00:45:19,200 --> 00:45:22,880
Speaker 3: So shout out to us black millennials and this, this

988
00:45:23,000 --> 00:45:26,080
Speaker 3: gives me, This gives me hope because you know, I

989
00:45:26,840 --> 00:45:30,560
Speaker 3: feel like, of course, home ownership it's traditional. Not everyone

990
00:45:30,600 --> 00:45:32,799
Speaker 3: needs a house. You don't need a house as part

991
00:45:32,840 --> 00:45:36,160
Speaker 3: of your you know, wealth building journey, but it's so meaningful,

992
00:45:36,239 --> 00:45:38,360
Speaker 3: and you know, I think about my little brother and

993
00:45:38,400 --> 00:45:41,480
Speaker 3: I remember earlier this year he was like, I don't know,

994
00:45:41,520 --> 00:45:43,120
Speaker 3: I just feel like if I buy a house, like

995
00:45:43,640 --> 00:45:45,840
Speaker 3: what's the point? And I would talk to him about,

996
00:45:45,920 --> 00:45:49,480
Speaker 3: you know, generational wealth and as a black, single, black

997
00:45:49,640 --> 00:45:52,759
Speaker 3: man in his twenties, what that what that says for

998
00:45:52,840 --> 00:45:55,640
Speaker 3: him to own property and like how you know our

999
00:45:55,719 --> 00:45:58,880
Speaker 3: ancestors never could have dreamed of that. And he is

1000
00:45:58,920 --> 00:46:01,960
Speaker 3: on his he's almost he's buying a house in the

1001
00:46:01,960 --> 00:46:05,600
Speaker 3: Atlanta area. He's on the hunt right now, and he

1002
00:46:05,640 --> 00:46:08,480
Speaker 3: already owns a condo. And yeah, I'm really proud. I'm

1003
00:46:08,520 --> 00:46:12,600
Speaker 3: proud of him, and I'm happy to see this. And

1004
00:46:13,120 --> 00:46:15,800
Speaker 3: I certainly feel like, based on the questions we're getting

1005
00:46:15,800 --> 00:46:18,960
Speaker 3: from our listeners, a lot more people like black millennials are,

1006
00:46:19,160 --> 00:46:21,960
Speaker 3: you know, in the home buying market. And it's so

1007
00:46:22,320 --> 00:46:25,000
Speaker 3: it's good. It's good to see us there and let's

1008
00:46:25,040 --> 00:46:26,160
Speaker 3: continue it. For sure.

1009
00:46:26,960 --> 00:46:29,520
Speaker 1: Yes, I do like I honestly I love that because

1010
00:46:29,520 --> 00:46:31,359
Speaker 1: even in this neighborhood, I was a little nervous because

1011
00:46:31,480 --> 00:46:35,200
Speaker 1: where I live in Newark, is it's like one I.

1012
00:46:35,160 --> 00:46:36,279
Speaker 2: Would say, probably. Yeah.

1013
00:46:36,280 --> 00:46:38,600
Speaker 1: The houses are probably the most expensive of this neighborhood.

1014
00:46:38,600 --> 00:46:41,960
Speaker 1: It's called the Forest Hill Sections, just really beautiful historic homes.

1015
00:46:42,000 --> 00:46:45,239
Speaker 1: And a number of years ago the New York Times

1016
00:46:45,280 --> 00:46:48,840
Speaker 1: had did an article about like the hidden Gym in Newark,

1017
00:46:48,920 --> 00:46:52,000
Speaker 1: and it was filled with like older folks, and so

1018
00:46:52,120 --> 00:46:53,880
Speaker 1: many of them are moving out because the houses. Some

1019
00:46:53,960 --> 00:46:56,560
Speaker 1: of these houses are huge because they're built in nineteen ten.

1020
00:46:56,600 --> 00:46:59,360
Speaker 1: They have like seven bedrooms, and you know, some of

1021
00:46:59,360 --> 00:47:02,239
Speaker 1: these folks are like why why am I, you know,

1022
00:47:02,400 --> 00:47:04,560
Speaker 1: living in this huge house, and so they're selling. And

1023
00:47:04,600 --> 00:47:06,600
Speaker 1: what I love is that I'm seeing a lot of

1024
00:47:06,640 --> 00:47:09,280
Speaker 1: black and brown families by because that was my biggest

1025
00:47:09,280 --> 00:47:12,200
Speaker 1: worries that they were going to sell and the neighborhood

1026
00:47:12,239 --> 00:47:15,279
Speaker 1: was going to totally gentrify, you know, and I'm not

1027
00:47:15,360 --> 00:47:18,560
Speaker 1: seeing that, honestly, Like I would say, you know, more

1028
00:47:18,600 --> 00:47:20,719
Speaker 1: than half, if not sixty to seventy percent that I've

1029
00:47:20,760 --> 00:47:23,040
Speaker 1: seen when they're when they have sold, I'm like, I

1030
00:47:23,080 --> 00:47:24,400
Speaker 1: look to see, like who comes out.

1031
00:47:24,280 --> 00:47:27,440
Speaker 2: I'm like, yeah, a brown face, yes, you know.

1032
00:47:28,560 --> 00:47:31,720
Speaker 1: So it's nice because Newark, honestly, during all the social

1033
00:47:31,800 --> 00:47:35,240
Speaker 1: people has been like a racial safe haven for myself

1034
00:47:35,239 --> 00:47:37,359
Speaker 1: and my family because I don't, you know, aside from

1035
00:47:37,480 --> 00:47:39,200
Speaker 1: you know, dude across the street, but he's moving.

1036
00:47:39,280 --> 00:47:44,480
Speaker 3: Hey Keith bye, Keith, Yeah, y Kith crazy Keith.

1037
00:47:45,719 --> 00:47:48,720
Speaker 2: So so yeah. So I think that that's awesome.

1038
00:47:48,719 --> 00:47:50,120
Speaker 1: And I just love the fact that, you know, we

1039
00:47:50,160 --> 00:47:54,160
Speaker 1: are we are participating in foundational wealth.

1040
00:47:54,520 --> 00:47:57,440
Speaker 3: Yes, I love our neighborhood so much. It's been majority

1041
00:47:57,480 --> 00:48:00,920
Speaker 3: black since it was founded in the early nineteen hundreds

1042
00:48:00,960 --> 00:48:05,160
Speaker 3: and we're actually I've seen a different side in twenty twenty.

1043
00:48:05,160 --> 00:48:06,960
Speaker 3: I feel like it's brought all of the neighbors together,

1044
00:48:07,080 --> 00:48:09,240
Speaker 3: Like we had a there was a Halloween block party

1045
00:48:09,640 --> 00:48:12,280
Speaker 3: social distance and it was really cute around the Halloween.

1046
00:48:12,280 --> 00:48:15,120
Speaker 3: And then I just made a flyer for our community

1047
00:48:15,120 --> 00:48:17,520
Speaker 3: tree lighting. We're gonna do a tree lighting in our neighborhood.

1048
00:48:17,560 --> 00:48:19,520
Speaker 3: And this isn't like we don't pay dues, we don't

1049
00:48:19,520 --> 00:48:22,680
Speaker 3: have like a homeowner association. It's just people in the

1050
00:48:22,719 --> 00:48:27,200
Speaker 3: neighborhood getting together, figuring out zoom and just being good

1051
00:48:27,280 --> 00:48:30,759
Speaker 3: to your neighbors. So it's I love it. I this

1052
00:48:31,280 --> 00:48:33,200
Speaker 3: is a dream for me, and I'm so happy that

1053
00:48:33,239 --> 00:48:36,040
Speaker 3: we found this little, this little gem of a neighborhood.

1054
00:48:36,040 --> 00:48:38,399
Speaker 3: And I love that. And it's something that a lot

1055
00:48:38,400 --> 00:48:40,120
Speaker 3: of like if you're in a neighborhood. I mean, it

1056
00:48:40,200 --> 00:48:44,359
Speaker 3: just feels obviously we're all isolated. But I've seen I've

1057
00:48:44,400 --> 00:48:47,120
Speaker 3: seen how it brings people together in a corny and

1058
00:48:47,239 --> 00:48:49,759
Speaker 3: lovely way. I love cheeses. I just love it. Come on,

1059
00:48:49,840 --> 00:48:52,680
Speaker 3: it's the holidays. So even if it's not like and

1060
00:48:52,760 --> 00:48:54,480
Speaker 3: you can just buy a tree for fifty bucks and

1061
00:48:54,520 --> 00:48:56,920
Speaker 3: make a little neighborhood tree lighting for yourselves. I don't know,

1062
00:48:56,960 --> 00:48:59,479
Speaker 3: but you know, just taking cookies to a neighbor, trying

1063
00:48:59,480 --> 00:49:01,440
Speaker 3: to think of some things small you can do for

1064
00:49:01,480 --> 00:49:04,680
Speaker 3: your community. You don't know who's out there feeling lonely

1065
00:49:04,800 --> 00:49:08,799
Speaker 3: or falling on hard times, and it's I'm fortunate that

1066
00:49:08,840 --> 00:49:11,000
Speaker 3: we live in a neighborhood that seems to be, you know,

1067
00:49:11,040 --> 00:49:13,680
Speaker 3: looking out for one another, and we all need that.

1068
00:49:13,800 --> 00:49:17,279
Speaker 3: So I hope that you know it's not just here,

1069
00:49:17,320 --> 00:49:20,160
Speaker 3: and that y'all can find small ways to give back

1070
00:49:20,239 --> 00:49:23,480
Speaker 3: and spread cheer, you know, wherever you are in your communities.

1071
00:49:24,280 --> 00:49:26,279
Speaker 1: I grew up in one like a very like neighborhoody

1072
00:49:26,320 --> 00:49:28,319
Speaker 1: neighborhood when I was like, I would say, like you know,

1073
00:49:28,480 --> 00:49:31,759
Speaker 1: zero to nine or ten, and so I remember like,

1074
00:49:31,800 --> 00:49:34,080
Speaker 1: you know, riding bikes and like literally like it was

1075
00:49:34,120 --> 00:49:36,560
Speaker 1: like I called it like a kid neighborhood where almost

1076
00:49:36,560 --> 00:49:39,360
Speaker 1: every house had a kid, and you know, all the

1077
00:49:39,520 --> 00:49:41,000
Speaker 1: parents were like, oh, you.

1078
00:49:40,920 --> 00:49:42,759
Speaker 2: Know, yeah, I fed your kid dinner tonight. It was

1079
00:49:42,920 --> 00:49:43,880
Speaker 2: very leave it to beaver.

1080
00:49:44,239 --> 00:49:46,680
Speaker 1: And I didn't realize until we moved how special that was,

1081
00:49:46,800 --> 00:49:49,719
Speaker 1: you know, So having that is really awesome because my

1082
00:49:49,719 --> 00:49:51,640
Speaker 1: parents felt like, you know, I mean, of course you

1083
00:49:51,640 --> 00:49:53,080
Speaker 1: always keep an eye out, but it was like it

1084
00:49:53,080 --> 00:49:56,560
Speaker 1: felt relatively safe, like it just it allowed me to

1085
00:49:56,600 --> 00:49:57,960
Speaker 1: be a kid, Like as long as I stay on

1086
00:49:58,000 --> 00:50:00,319
Speaker 1: this block, I could ride my bike freely. I knew

1087
00:50:00,360 --> 00:50:03,120
Speaker 1: Danielle's house had the best ribs. I knew a dairy's house.

1088
00:50:03,960 --> 00:50:06,799
Speaker 3: I'm like, you know.

1089
00:50:08,640 --> 00:50:09,120
Speaker 2: Exactly.

1090
00:50:09,360 --> 00:50:12,480
Speaker 1: Like she was the only child, so she had like

1091
00:50:12,560 --> 00:50:14,120
Speaker 1: the Barbie dream house. I was like, oh, let me

1092
00:50:14,160 --> 00:50:15,560
Speaker 1: suck up to Danielle tecause I want to play with

1093
00:50:15,560 --> 00:50:17,440
Speaker 1: the Barbie d your house. There are Darry's house. They

1094
00:50:17,480 --> 00:50:21,360
Speaker 1: would always have seafood. I never had like actual crabs before.

1095
00:50:21,719 --> 00:50:23,800
Speaker 1: I was like, you guys are having grabs. I'm playing

1096
00:50:23,800 --> 00:50:27,359
Speaker 1: with her today. So so it just was really just

1097
00:50:27,400 --> 00:50:29,399
Speaker 1: like having that kind of close to the neighborhood. It's

1098
00:50:29,520 --> 00:50:32,720
Speaker 1: just it's a blessing, honestly, and so like, I'm happy

1099
00:50:32,719 --> 00:50:33,239
Speaker 1: that you have that.

1100
00:50:33,360 --> 00:50:37,840
Speaker 3: So well I'm feeling. All I think was she and

1101
00:50:37,960 --> 00:50:40,920
Speaker 3: love you because of the holidays, so spread some holidays cheer.

1102
00:50:41,200 --> 00:50:44,040
Speaker 3: I mean, times is dark, but they're getting brighter, they

1103
00:50:44,080 --> 00:50:48,880
Speaker 3: really are, are they are? Yes, Well, shall we call

1104
00:50:48,920 --> 00:50:49,359
Speaker 3: it a show?

1105
00:50:50,520 --> 00:50:51,760
Speaker 2: I think that we should.

1106
00:50:52,000 --> 00:50:54,319
Speaker 1: And you know, well before we close, let me I'm

1107
00:50:54,320 --> 00:50:56,319
Speaker 1: going to give you my Instagram of the day. So

1108
00:50:56,400 --> 00:50:59,320
Speaker 1: there is a funny this is guy. He's super Philly

1109
00:50:59,320 --> 00:51:02,759
Speaker 1: if you're from Philly. His name is Vision Poet, that's

1110
00:51:02,800 --> 00:51:06,400
Speaker 1: his ig. And he does these like he tells stories

1111
00:51:06,440 --> 00:51:09,319
Speaker 1: of like his youth like not youth like yeah, youth

1112
00:51:09,360 --> 00:51:10,400
Speaker 1: like when he was like in high.

1113
00:51:10,200 --> 00:51:12,040
Speaker 2: School and college. He tells them.

1114
00:51:12,160 --> 00:51:13,360
Speaker 1: So he used to be a poet, so he's a

1115
00:51:13,360 --> 00:51:15,680
Speaker 1: really good storyteller. But he's still a poet. But anyway,

1116
00:51:15,719 --> 00:51:17,960
Speaker 1: he's a really good storyteller. And then he he has

1117
00:51:18,280 --> 00:51:23,480
Speaker 1: animated them and they are so hilarious. You're just like, yo,

1118
00:51:23,520 --> 00:51:28,319
Speaker 1: this guy is a mess. So I encourage you Vision Poet. Yeah,

1119
00:51:28,400 --> 00:51:30,759
Speaker 1: because you know, I like, somebody hit me the other

1120
00:51:30,840 --> 00:51:33,080
Speaker 1: day they tagged me and Neil Kattel, Remember I told

1121
00:51:33,120 --> 00:51:35,480
Speaker 1: you like I like to watch his daily wrap up

1122
00:51:35,480 --> 00:51:38,040
Speaker 1: of like the election post election news. Yeah, and because

1123
00:51:38,040 --> 00:51:39,920
Speaker 1: he's a so everyone's been telling me. They've been like

1124
00:51:39,920 --> 00:51:41,399
Speaker 1: tagging me and let me know, like I'm here because

1125
00:51:41,440 --> 00:51:42,839
Speaker 1: of you. Budget he said, this is so good.

1126
00:51:42,840 --> 00:51:43,279
Speaker 2: You're right.

1127
00:51:43,600 --> 00:51:46,800
Speaker 1: So if you just need like a little reprieve, Vision

1128
00:51:46,840 --> 00:51:49,640
Speaker 1: Poet has just like I said, these really funny, irreverent

1129
00:51:50,000 --> 00:51:53,480
Speaker 1: kind of stories of like you know, of like, especially

1130
00:51:53,480 --> 00:51:55,480
Speaker 1: because I'm forty and he's around that Saint Machel. When

1131
00:51:55,480 --> 00:51:59,120
Speaker 1: he tells like back when Diddy was bumping in the club,

1132
00:51:59,160 --> 00:52:02,279
Speaker 1: You're like, I remember that, and like, especially if you're

1133
00:52:02,320 --> 00:52:04,319
Speaker 1: from the East Coast. It's just you know, it's like

1134
00:52:04,320 --> 00:52:05,960
Speaker 1: I said, it's a nice little reprieve and he's a

1135
00:52:06,040 --> 00:52:07,560
Speaker 1: he's an account that I enjoy.

1136
00:52:10,320 --> 00:52:14,400
Speaker 3: That's it. Thank you for the IRG recommendation. You've not

1137
00:52:14,520 --> 00:52:18,120
Speaker 3: failed us yet. All right, to take care and want

1138
00:52:18,160 --> 00:52:22,360
Speaker 3: pics of your tensil fide Christmas side house please. I

1139
00:52:22,400 --> 00:52:25,400
Speaker 3: need to see it, all right. And I'm waiting for

1140
00:52:25,440 --> 00:52:26,440
Speaker 3: my clubhouse invite.

1141
00:52:26,480 --> 00:52:28,479
Speaker 2: Okay, yes, well I'm gonna do right now.