WEBVTT - Ep 246 - A New Season of Self Care

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<v Speaker 1>Ho Mary, Brown Ambition Christmas or whatever you celebrate, But

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<v Speaker 1>we've got a present.

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<v Speaker 2>For you listeners.

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<v Speaker 3>Yes, if you are looking for the perfect gift for

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<v Speaker 3>the Brown Ambition fan in your life, head to Brown

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<v Speaker 3>our massive holidays.

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<v Speaker 2>Say.

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<v Speaker 3>This deal will not be here long, so go to

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<v Speaker 3>Brown Ambitionstore dot com and use the promo code what

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<v Speaker 3>is it Tiffany.

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<v Speaker 2>Ho ho ho but h o h o h O.

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<v Speaker 2>Don't get fresh now.

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<v Speaker 3>Use promo code ho ho ho to get twenty five

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<v Speaker 3>percent off your Brown Ambition orders.

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<v Speaker 2>Again.

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<v Speaker 3>This deal won't last forever, or will it? Because maybe

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<v Speaker 3>I'll forget to stop it. I don't know. Go to

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<v Speaker 3>Brownambissionstore dot com. Y'all happy happy holidays. Hey Hey, Hey

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<v Speaker 3>we're back, We're black, We're ambitionous. Hey man, Hey, happy December.

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<v Speaker 1>I know, even though because of global warming in the

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<v Speaker 1>East Coast it does not feel like December.

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<v Speaker 3>I mean it's getting there, but I'm good with it.

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<v Speaker 3>This actually reminds me of Georgia. Just smidy and mild,

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<v Speaker 3>and you know, cold enough for a nice sweater. Yeah,

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<v Speaker 3>I appreciate it. I finally got all my decorating done outside,

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<v Speaker 3>I feel I guess I feel better it just I

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<v Speaker 3>think I've inherited this urge from my mother to just

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<v Speaker 3>Christmas by everything. So I really did the most. I

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<v Speaker 3>really really did shout out to target.

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<v Speaker 1>I think works on the outside, but I will say

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<v Speaker 1>my inside is nauseatingly Christmas.

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<v Speaker 2>My sister was like, oh, I'll recond every door.

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<v Speaker 1>Oh, I do this little dingle gully things on every door,

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<v Speaker 1>knock downstairs, every single one, so much so that my

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<v Speaker 1>nephew Rooman was like, Auntie, you forgot you.

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<v Speaker 2>Forgot this one. I was like, oh, thanks, baby, here

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<v Speaker 2>put that one on that one.

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<v Speaker 3>Wait. So so when Superman comes in to interrupt you,

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<v Speaker 3>we're gonna hear jingle.

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<v Speaker 1>Yeah, okay, Well I'm on the second floor, so I

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<v Speaker 1>didn't do the second floor, but just like that first

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<v Speaker 1>floor is Christmas out because I feel like, especially since

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<v Speaker 1>the kids come of all the time and Supergirl, it's

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<v Speaker 1>the kind of thing you remember, even though she always

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<v Speaker 1>makes fun of me.

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<v Speaker 2>Like, wow, it's very Christmas sy in here.

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<v Speaker 3>Oh lord, that's the opposite. Because I decided nothing on

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<v Speaker 3>the inside because we can't have anything nice anymore. You've

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<v Speaker 3>officially hit the we've officially. I mean, I am just

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<v Speaker 3>I had all these I tried not to be so naive,

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<v Speaker 3>but I did. I was like, you know, we're not

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<v Speaker 3>gonna let our house be taken over by toys and

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<v Speaker 3>kids stuff. And I'm still gonna keep my cute little

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<v Speaker 3>you know, my interior design, keep my keep my couch nice,

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<v Speaker 3>keep my pillows nice. I officially gave up, took everything

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<v Speaker 3>off the bottom three shelves of all the bookcases, and

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<v Speaker 3>nothing on the coffee table. And all I have inside

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<v Speaker 3>is I do have the stockings because they're high enough

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<v Speaker 3>to where you can't get at them the baby. And

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<v Speaker 3>then I did the most on the outside. So that's funny.

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<v Speaker 3>You're like an inside out version.

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<v Speaker 2>I know, what's you go to?

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<v Speaker 3>Holiday decors? Like shopping destination?

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<v Speaker 1>I actually really liked. There was this place called where

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<v Speaker 1>did I go? It was I don't remember the name

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<v Speaker 1>of it, but like literally when you went in, Oh,

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<v Speaker 1>what is that place called? There's this place in Jersey?

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<v Speaker 1>But is it actually called the Christmas Tree? It might

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<v Speaker 1>be called Chris Tree Shops. Yes, I think so that's

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<v Speaker 1>a chain. It's like the Halloween store that pops us.

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<v Speaker 3>But yes, I went to one of those two I

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<v Speaker 3>did here in our area. I got some cute stuff

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<v Speaker 3>because like because I'm due, I did the outside and

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<v Speaker 3>they had these pre lit gifts, pre lit gifts like

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<v Speaker 3>little you know, like for under the tree that I

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<v Speaker 3>put outside in my front yard.

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<v Speaker 2>Yes, you got this, yes, but.

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<v Speaker 1>You put them inside, yes, And I don't like that

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<v Speaker 1>I put them right next to the I know, honestly.

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<v Speaker 3>You need to share pictures. I need to see what

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<v Speaker 3>because I put them on the outside. But but they

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<v Speaker 3>were like thirty bucks for a set of three there

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<v Speaker 3>and on Target dot Com I'm not even kidding, they

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<v Speaker 3>were over one hundred dollars for three boxes.

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<v Speaker 1>I was like the who Yeah, no, I can't talk

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<v Speaker 1>to them. Last year, I think. Thank Here's the thing.

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<v Speaker 1>Last year I did the most dot com because you know,

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<v Speaker 1>it was our first Christmas in the new house, and

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<v Speaker 1>so there was just so much stuff that I didn't

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<v Speaker 1>even get a chance to put out. And I was

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<v Speaker 1>glad because I honestly didn't feel like going to the

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<v Speaker 1>different shops and things, so it was nice to just

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<v Speaker 1>have all my taxi stuff already in the hassa.

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<v Speaker 3>Yeah, tacky, I love it.

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<v Speaker 2>I am just me too. Jealous.

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<v Speaker 3>I can't wait till next year. I mean, hopefully the

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<v Speaker 3>baby is like, you know, not so grabby next year.

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<v Speaker 3>Does that Does that get better? I don't know. Don't

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<v Speaker 3>tell me, but it's uh, yeah. I did do some shopping.

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<v Speaker 3>You're right. When I went to the Christmas tree shops

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<v Speaker 3>in person, I just like had to escape the house

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<v Speaker 3>and I had my mask on, but it felt uncomfortable.

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<v Speaker 3>It was too many people in there, and I quickly

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<v Speaker 3>got what I wanted and then I got out of there.

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<v Speaker 3>But I also have heard and I've experienced there's like

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<v Speaker 3>a shortage of Christmas stuff this year. You know, I

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<v Speaker 3>don't think I waited till that last of a minute,

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<v Speaker 3>Like I think I went shopping before Thanksgiving, and home

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<v Speaker 3>goods didn't really have much target, Like a lot of

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<v Speaker 3>stuff was bare. And I guess part of the issue

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<v Speaker 3>is retailers didn't expect such a huge interest in holiday stuff,

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<v Speaker 3>I guess, and they I don't know. There's been like

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<v Speaker 3>delays and inventory and things like that. But on top

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<v Speaker 3>of that, it seems like the opposite happened, and everybody

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<v Speaker 3>decided to like go all out for Christmas and decorate

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<v Speaker 3>really early this year. So if you're looking at might

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<v Speaker 3>be slim pickens out there.

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<v Speaker 2>Yeah, no, I think so, I think. I mean that's why.

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<v Speaker 2>I honest, there's so many things.

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<v Speaker 1>That like I got ahead of time, like even like

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<v Speaker 1>my exercise equipment, and I got that for myself last

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<v Speaker 1>year in December, and then when quarantine and stuff hit,

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<v Speaker 1>I was like, oh my goodness, thank goodness I did.

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<v Speaker 1>So the thing that it taught me was like not

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<v Speaker 1>to wait on certain things. Not I mean, obviously you

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<v Speaker 1>don't want to be tricking up all your money, but

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<v Speaker 1>if there's something that you're really wanting and if it's

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<v Speaker 1>within your budget, not to wait because there's no guarantee

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<v Speaker 1>you'll have access later.

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<v Speaker 2>So you know, yeah, that's right.

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<v Speaker 3>You can't even get like weights anymore.

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<v Speaker 2>Yeah.

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<v Speaker 3>I had heard that, like exercise equipment is still in hot,

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<v Speaker 3>in high demand.

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<v Speaker 1>Because people are anticipating getting kind of like quarantined again.

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<v Speaker 1>So I was just like, I'm just so glad because

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<v Speaker 1>literally what I asked for for Christmas from everyone, I

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<v Speaker 1>was like, can you give me exercise stuff?

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<v Speaker 2>Like I yoga mad and I got weight.

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<v Speaker 1>I got all these things, and I was just like

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<v Speaker 1>people were like, you can't even get a treadmill. I

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<v Speaker 1>just got a treadmill in December, so it was just

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<v Speaker 1>I was just really fortunate and it just taught me.

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<v Speaker 3>To be like Tippany got the good.

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<v Speaker 2>Sit there looking at me, like girl, it does.

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<v Speaker 3>I'm like what, and uh, whereabouts in the house do

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<v Speaker 3>you keep this equipment? For anyone who's curious, I have it.

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<v Speaker 2>In my cave. I was like, it's yours, but we

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<v Speaker 2>just share it.

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<v Speaker 3>You know, this is my zen den is in progress.

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<v Speaker 3>I did a lot of cleanup and I am starting on.

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<v Speaker 3>You know, I'm going to start really investing more time

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<v Speaker 3>in making the zen den nice. And you know, husband's

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<v Speaker 3>got his little zone, he's got his little area, but

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<v Speaker 3>mama needs some space and I'm going to get it.

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<v Speaker 3>It's going to be really nice. It's going to be

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<v Speaker 3>like part office, part workout, part like read a book

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<v Speaker 3>on a comfy chair, you know, escape from me.

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<v Speaker 2>No, that sounds awesome.

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<v Speaker 1>Honestly, I was proud of myself this past week because

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<v Speaker 1>like off and on, like my shoulder has been like

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<v Speaker 1>hurting because I just assume cause I've been just you know,

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<v Speaker 1>you work more and I'm like, I'm right, I'm right

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<v Speaker 1>hand and it's my right shoulder. So I gone to

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<v Speaker 1>the doctor for which I was proud of myself. This

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<v Speaker 1>is like some months back, and remember that time, like

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<v Speaker 1>I got pulled everything.

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<v Speaker 2>I was like, many everything it's pulled about back. But

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<v Speaker 2>then when we were first oh, then I was like,

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<v Speaker 2>oh my god, everything is gone.

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<v Speaker 1>And then everything, like you know, within like a week

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<v Speaker 1>or so, felt better and cleared up. But then this

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<v Speaker 1>I just had this like shoulder like it just didn't

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<v Speaker 1>feel right. And I was like, oh, maybe because I'm

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<v Speaker 1>sleeping on my side too much. So I went to

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<v Speaker 1>a physical therapy for like maybe just a few weeks

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<v Speaker 1>and then I'm like I'm too busy for this. And

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<v Speaker 1>then recently it really just started like hurting again. And

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<v Speaker 1>then I was reading this book called Contagious I think

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<v Speaker 1>I shared with you guys last week or no, maybe

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<v Speaker 1>the Catalyst by Jonah Berger. Anyway, he said that people

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<v Speaker 1>that sometimes it's actually worse to It was so weird,

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<v Speaker 1>so I'm.

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<v Speaker 2>Like, is this is this God talking?

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<v Speaker 1>Because he said it sometimes it's actually worse to sprain

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<v Speaker 1>your your your shoulder than it is or to sprain

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<v Speaker 1>your arm than it is to break your arm.

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<v Speaker 2>And I was like wait, cause.

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<v Speaker 1>He was trying to explain how people don't change when

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<v Speaker 1>something is mild. That like, when you sprain your arm,

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<v Speaker 1>you're like, you're more likely to deal with it. You're like, oh,

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<v Speaker 1>you know, the barrier to change. It's like, it's not

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<v Speaker 1>that bad. I can live with it, it'll go away.

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<v Speaker 1>But if you break your arm, it's you can't live

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<v Speaker 1>with a broken arm. You go to the doctor, you

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<v Speaker 1>get your treatment. And I just was thinking that to

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<v Speaker 1>myself that oftentimes having a sprained arm actually has bigger

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<v Speaker 1>and long lasting more and more of like a larger

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<v Speaker 1>and long lasting effect than a broken arm. And I thought, wow,

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<v Speaker 1>that is what I'm doing. I'm like, it's not so bad,

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<v Speaker 1>it's just it hurts just a little, not all the time.

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<v Speaker 1>So I made it my priority. I want to physical

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<v Speaker 1>therapy because you could do walk in for up to

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<v Speaker 1>a month with my insurance. You don't have to get

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<v Speaker 1>like a doctor's like you know script. I was a

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<v Speaker 1>physical therapy and she was like yes, she's like, honestly, Tiffany,

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<v Speaker 1>it's just wear and tear. Basically, you sleep on your

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<v Speaker 1>side for like the last you know, forty one years.

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<v Speaker 1>And she's like, then, you know, you work a lot

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<v Speaker 1>in a computer also too. I played tennis from second

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<v Speaker 1>grade all throughout college, you know, and I'm right handed.

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<v Speaker 2>So she was just like, it's wear and tear.

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<v Speaker 1>But the thing is like, if you didn't come men,

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<v Speaker 1>and you didn't kind of like retrain the other muscles

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<v Speaker 1>around whatever, like the muscle in my shoulder that's been

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<v Speaker 1>weakened or whatever, then it could be permanent damage. So

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<v Speaker 1>I was just really glad that I want and I

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<v Speaker 1>encourage you if you're like I need a sign.

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<v Speaker 2>This is it.

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<v Speaker 1>Like if there's that little niggling ache, that little like,

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<v Speaker 1>well I can no go get a checked out, honestly

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<v Speaker 1>because something that could be so mild at first that

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<v Speaker 1>if you would have taken care of it. And like,

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<v Speaker 1>because she said there's probably six weeks of six weeks

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<v Speaker 1>of therapy three days a week, which is a big commitment,

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<v Speaker 1>or you could just not use the arm in two years,

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<v Speaker 1>I was like, you.

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<v Speaker 2>Know what, I want to use my arm. I'll keep it.

0:10:37.600 --> 0:10:40.560
<v Speaker 3>Thanks, I'll keep there no scrus. You're right, and I

0:10:40.600 --> 0:10:42.440
<v Speaker 3>think a lot of well, first of all, I do

0:10:42.480 --> 0:10:44.840
<v Speaker 3>feel like women, it's so much easier for us to

0:10:44.960 --> 0:10:47.880
<v Speaker 3>put ourselves last when it comes to healthcare appointments. I mean,

0:10:47.920 --> 0:10:50.360
<v Speaker 3>my son has been to the doctor, like I feels

0:10:50.360 --> 0:10:52.360
<v Speaker 3>like one hundred million times this year, and I haven't

0:10:52.360 --> 0:10:54.200
<v Speaker 3>been since I had him. I was like, well, I

0:10:54.240 --> 0:10:56.520
<v Speaker 3>mean everything was fine when he was born, so I

0:10:56.520 --> 0:10:59.319
<v Speaker 3>guess I'm still fine. I do, yeah, I need to

0:10:59.360 --> 0:11:00.840
<v Speaker 3>do like a check up and stuff. And I think

0:11:00.960 --> 0:11:04.720
<v Speaker 3>with like COVID times in the pandemic, it's also easier

0:11:04.760 --> 0:11:06.959
<v Speaker 3>to put that stuff off because you say, well, it's

0:11:07.000 --> 0:11:09.680
<v Speaker 3>not really safe to be out, but it's almost to

0:11:09.760 --> 0:11:12.520
<v Speaker 3>this at this point. The virus is a risk, yes,

0:11:12.600 --> 0:11:15.320
<v Speaker 3>but there's so many other ways to die, Like there's

0:11:15.320 --> 0:11:17.720
<v Speaker 3>also still a lot of other things that could be wrong,

0:11:17.800 --> 0:11:20.520
<v Speaker 3>so getting yourself checked out is important. So thanks for

0:11:20.559 --> 0:11:22.880
<v Speaker 3>that reminder. TIF. I'm gonna I thought I did pretty

0:11:22.880 --> 0:11:24.880
<v Speaker 3>good because I you know, got my prescription renewed for

0:11:24.960 --> 0:11:27.960
<v Speaker 3>my glasses, so everyone's always where my glasses are from.

0:11:27.960 --> 0:11:29.960
<v Speaker 3>I'm about to get some new one.

0:11:30.440 --> 0:11:34.960
<v Speaker 1>Yeah, and I start my start my like coaching on

0:11:34.960 --> 0:11:36.920
<v Speaker 1>on Friday, so I'm excited about that. I was like,

0:11:36.920 --> 0:11:38.480
<v Speaker 1>you know, I feel like I want to lean into it.

0:11:38.559 --> 0:11:40.200
<v Speaker 1>Like i feel like I'm in a new season of

0:11:40.240 --> 0:11:42.560
<v Speaker 1>self care, you know, like.

0:11:43.040 --> 0:11:44.559
<v Speaker 3>A new season of self care.

0:11:44.679 --> 0:11:47.560
<v Speaker 1>Yeah, because I'm always like can I always tell myself like, well, Tiffany,

0:11:47.559 --> 0:11:49.960
<v Speaker 1>you work on yourself a lot. I'm like, no, you

0:11:50.000 --> 0:11:53.800
<v Speaker 1>work on your business, you know, woman, Tiffany, don't get

0:11:53.800 --> 0:11:56.040
<v Speaker 1>it confused. And so I was like, this is true,

0:11:56.080 --> 0:11:59.480
<v Speaker 1>Like am I really taking care of myself? Like I'm

0:11:59.520 --> 0:12:02.720
<v Speaker 1>walking like more because I really enjoy walking, listening to

0:12:03.040 --> 0:12:07.359
<v Speaker 1>like podcasts and books for the enjoyment of it, and

0:12:07.440 --> 0:12:09.640
<v Speaker 1>so like I, you know, it's easy to pour into

0:12:09.679 --> 0:12:11.840
<v Speaker 1>the budgetista, but I have not been pouring into Tiffany.

0:12:11.840 --> 0:12:14.240
<v Speaker 1>And I'm just really like, I don't want to look

0:12:14.320 --> 0:12:16.000
<v Speaker 1>up and be like, girl, you have not like you know,

0:12:16.040 --> 0:12:18.480
<v Speaker 1>what do you do that you enjoy for you? And

0:12:18.520 --> 0:12:21.080
<v Speaker 1>are you taking care of yourself? I'm still young, and

0:12:21.120 --> 0:12:22.880
<v Speaker 1>I don't want to, like, you know, I want to

0:12:24.000 --> 0:12:26.520
<v Speaker 1>because I look at my father. For example, He's seventy seven.

0:12:26.600 --> 0:12:28.280
<v Speaker 1>He still plays tennis three times a week. I mean

0:12:28.280 --> 0:12:31.600
<v Speaker 1>when outside was open. He's still really active. And that's

0:12:31.640 --> 0:12:35.959
<v Speaker 1>he's always prioritized things that he's enjoyed, you know. And

0:12:35.960 --> 0:12:38.760
<v Speaker 1>I and as a result, because he never stopped moving,

0:12:38.840 --> 0:12:41.440
<v Speaker 1>he can continue to move, you know. And so I

0:12:41.480 --> 0:12:43.000
<v Speaker 1>just thought about that like, huh, I want to be

0:12:43.040 --> 0:12:47.000
<v Speaker 1>seventy seven like Daddy and continue to like enjoy life

0:12:47.040 --> 0:12:51.000
<v Speaker 1>and and you know, and exercise and like he's just

0:12:51.040 --> 0:12:53.160
<v Speaker 1>always been like that. So I'm just like, yeah, Like, if,

0:12:53.360 --> 0:12:55.480
<v Speaker 1>like I said, if you're looking for a sign to

0:12:55.840 --> 0:12:59.679
<v Speaker 1>enter into your your your stage of self care, whatever

0:12:59.679 --> 0:13:03.679
<v Speaker 1>that looks it's like, then do so totally deserve it.

0:13:03.760 --> 0:13:05.839
<v Speaker 2>Yes, do it. Do it.

0:13:06.960 --> 0:13:08.800
<v Speaker 3>One of one of the best things I did this

0:13:08.880 --> 0:13:11.320
<v Speaker 3>year for my body, other than get the peloton, which

0:13:11.360 --> 0:13:14.920
<v Speaker 3>really has been so amazing, it's gonna it's get a

0:13:15.040 --> 0:13:18.400
<v Speaker 3>proper desk chair. And I know we have got some

0:13:18.520 --> 0:13:21.319
<v Speaker 3>listeners out there who are sitting in there, like, you know,

0:13:21.520 --> 0:13:23.760
<v Speaker 3>taking the dining room chair, the trip that used to

0:13:23.760 --> 0:13:26.520
<v Speaker 3>do their makeup in, or like the holding chair. Yeah,

0:13:27.080 --> 0:13:29.440
<v Speaker 3>because you're the lawn chair. You're like, have a little

0:13:29.480 --> 0:13:31.840
<v Speaker 3>hap you know, you have your little cobble together workstation.

0:13:32.480 --> 0:13:34.800
<v Speaker 3>It's been a long time and if you're if you're

0:13:34.880 --> 0:13:36.800
<v Speaker 3>lucky enough to work from home, you know, we're all

0:13:36.840 --> 0:13:38.880
<v Speaker 3>so fortunate if we can still work from home and

0:13:39.200 --> 0:13:42.080
<v Speaker 3>be safe. But get yourself a proper desk chair, because

0:13:42.240 --> 0:13:44.520
<v Speaker 3>when I tell you Wayfair dot Com, I got the

0:13:44.559 --> 0:13:47.280
<v Speaker 3>most I got this really great chair and it has

0:13:47.440 --> 0:13:50.240
<v Speaker 3>changed up or I'm like, I forgot what it feels like.

0:13:50.360 --> 0:13:53.160
<v Speaker 3>My butt feels amazing, it doesn't like go numb. After

0:13:53.200 --> 0:13:56.840
<v Speaker 3>an hour, got lumbar support. It took me so long,

0:13:56.920 --> 0:13:59.200
<v Speaker 3>and I wish I had done this sooner because my

0:13:59.360 --> 0:14:02.240
<v Speaker 3>back and all the eggs and stuff, even my legs

0:14:02.240 --> 0:14:04.760
<v Speaker 3>would be tired. So that's something small if you're looking

0:14:04.800 --> 0:14:07.520
<v Speaker 3>for like a Christmas gift. I don't think a good

0:14:07.640 --> 0:14:10.760
<v Speaker 3>dust chair would would ever be a bad thing to

0:14:11.000 --> 0:14:13.360
<v Speaker 3>get for yourself or ask a loved one to get

0:14:13.360 --> 0:14:16.240
<v Speaker 3>you tifty. Did you say that you don't have a hat.

0:14:16.360 --> 0:14:18.000
<v Speaker 1>I mean I have a chair that I mean it

0:14:18.080 --> 0:14:21.160
<v Speaker 1>is a desk chair technically, and it's really cute, but

0:14:22.000 --> 0:14:26.960
<v Speaker 1>I suspect exactly. So one thing that my my physical

0:14:26.960 --> 0:14:30.320
<v Speaker 1>therapist said, uh, doctor Lewis, He said, I got one

0:14:30.360 --> 0:14:32.000
<v Speaker 1>of those, one of those like it looks like a

0:14:32.440 --> 0:14:35.880
<v Speaker 1>like a like a cylinder, like a cylinder.

0:14:35.800 --> 0:14:38.160
<v Speaker 3>Pillow, have to get wet a lumbar support.

0:14:38.480 --> 0:14:40.640
<v Speaker 1>Yeah, so I'm actually I have a nag right now.

0:14:41.000 --> 0:14:43.000
<v Speaker 1>And he said it's to remind you to like, you know,

0:14:43.120 --> 0:14:44.880
<v Speaker 1>sit up, and I have some exercises to do at

0:14:44.880 --> 0:14:48.240
<v Speaker 1>home in between my in between my appointments, and so

0:14:48.400 --> 0:14:50.360
<v Speaker 1>I'm sitting with it right now and I can feel

0:14:50.360 --> 0:14:52.640
<v Speaker 1>the difference it is. He's like, it's a reminder to

0:14:52.720 --> 0:14:54.960
<v Speaker 1>kind of like sit back. So because I've got a

0:14:55.000 --> 0:14:58.080
<v Speaker 1>really terrible posture. I started slouching when I started to

0:14:58.080 --> 0:15:00.400
<v Speaker 1>grow tall, and I was like, because I did and want,

0:15:00.440 --> 0:15:04.040
<v Speaker 1>you know, to be tall, and so like he's just like,

0:15:04.080 --> 0:15:05.480
<v Speaker 1>you know, So I ordered it as soon as I

0:15:05.520 --> 0:15:07.600
<v Speaker 1>got home because he sent me like, you know what

0:15:07.720 --> 0:15:08.160
<v Speaker 1>to get?

0:15:09.400 --> 0:15:11.600
<v Speaker 2>So yeah, no, you're right. I said that at too.

0:15:11.640 --> 0:15:14.440
<v Speaker 1>I was like, I want to possibly switch out this chair,

0:15:14.520 --> 0:15:17.760
<v Speaker 1>maybe find one because I'm gonna be in the chair

0:15:17.760 --> 0:15:19.920
<v Speaker 1>a lot, or you know what I really want, Because

0:15:19.960 --> 0:15:21.480
<v Speaker 1>didn't you used to have to say when you worked

0:15:21.520 --> 0:15:22.880
<v Speaker 1>at Yahoo you had a standing desk?

0:15:22.920 --> 0:15:23.880
<v Speaker 2>Did you have a standing desk?

0:15:24.320 --> 0:15:26.240
<v Speaker 3>Yeah, I've always had a standing desk. We had one

0:15:26.240 --> 0:15:28.840
<v Speaker 3>at my old office. Got I haven't been there forever.

0:15:29.280 --> 0:15:29.480
<v Speaker 2>Yeah.

0:15:29.520 --> 0:15:31.680
<v Speaker 3>Standing desks are actually really easy to come by now.

0:15:31.760 --> 0:15:34.680
<v Speaker 3>You can get one for not that much on Amazon

0:15:34.800 --> 0:15:36.680
<v Speaker 3>or Wayfair or any of those sites. And if you

0:15:36.680 --> 0:15:38.720
<v Speaker 3>don't want like a full on standing desk, which you

0:15:38.760 --> 0:15:40.280
<v Speaker 3>know you have to like plug it into an outlet

0:15:40.320 --> 0:15:42.680
<v Speaker 3>and it goes up and down with a button. I've

0:15:42.720 --> 0:15:46.320
<v Speaker 3>seen you can also get these little kind of like

0:15:46.360 --> 0:15:48.720
<v Speaker 3>a breakfast in bedtray, but it's for your laptop and

0:15:48.760 --> 0:15:51.600
<v Speaker 3>it goes up and down and you can put it

0:15:51.640 --> 0:15:54.120
<v Speaker 3>on your desk like or on your kitchen counter or whatever,

0:15:54.160 --> 0:15:56.040
<v Speaker 3>and you can put you just put that up and

0:15:56.120 --> 0:15:59.240
<v Speaker 3>down versus having to move a whole desk. Those have

0:15:59.320 --> 0:15:59.880
<v Speaker 3>worked for people.

0:16:00.160 --> 0:16:01.560
<v Speaker 1>Yeah, I think I was going to get one of

0:16:01.600 --> 0:16:03.360
<v Speaker 1>those two because actually, you know, just to have like

0:16:03.400 --> 0:16:07.200
<v Speaker 1>a different like you know exactly.

0:16:07.320 --> 0:16:10.040
<v Speaker 3>So, I mean obviously, sitting all day is never a

0:16:10.120 --> 0:16:12.520
<v Speaker 3>good no matter how comfortable your chair is, you don't

0:16:12.520 --> 0:16:15.480
<v Speaker 3>want to be sitting all day. But yeah, I don't know,

0:16:15.480 --> 0:16:17.480
<v Speaker 3>I can't believe we haven't talked about before, but yeah,

0:16:17.560 --> 0:16:20.160
<v Speaker 3>getting like an ergonomic setup, oh it means, it sounds,

0:16:20.360 --> 0:16:23.560
<v Speaker 3>it sounds luxurious. And hey, ask your company if they

0:16:23.600 --> 0:16:25.960
<v Speaker 3>will reimburse you if you work for a company. I

0:16:26.000 --> 0:16:28.720
<v Speaker 3>know our company reimbursed up to five hundred dollars for

0:16:29.040 --> 0:16:32.040
<v Speaker 3>work at home supplies, and it still took me months

0:16:32.120 --> 0:16:33.760
<v Speaker 3>until I order mine. I was like, oh, it's going

0:16:33.840 --> 0:16:36.280
<v Speaker 3>to expire December. First, let me let me get that chair.

0:16:37.560 --> 0:16:39.680
<v Speaker 3>But yeah, just see, you know, you never know what

0:16:39.800 --> 0:16:42.680
<v Speaker 3>benefits you might be leaving on the table, and it makes,

0:16:42.960 --> 0:16:45.280
<v Speaker 3>like I said, a big difference. What else can we

0:16:45.320 --> 0:16:46.680
<v Speaker 3>tell the people eat your spinach?

0:16:47.720 --> 0:16:49.560
<v Speaker 1>No, but definitely like look into you because you're right

0:16:49.600 --> 0:16:51.520
<v Speaker 1>fsay it. Like I this is always the time of

0:16:51.600 --> 0:16:53.600
<v Speaker 1>year that my husband because he wears glasses even though

0:16:53.600 --> 0:16:55.760
<v Speaker 1>he doesn't work. I'm like, you should definitely, you know,

0:16:55.920 --> 0:16:57.600
<v Speaker 1>you want to make sure that if you have money,

0:16:58.680 --> 0:17:01.400
<v Speaker 1>that you're not leaving and money kind of like on

0:17:01.480 --> 0:17:03.880
<v Speaker 1>the table and lean in and use it because it's

0:17:03.920 --> 0:17:06.639
<v Speaker 1>your Especially with with HSA, you don't lose it, but

0:17:06.680 --> 0:17:09.359
<v Speaker 1>with FSA, if you don't use it, you lose it.

0:17:10.280 --> 0:17:13.240
<v Speaker 3>You do sometimes it will roll over to the next quarter,

0:17:13.400 --> 0:17:15.800
<v Speaker 3>but double check. F s A store dot com is

0:17:15.840 --> 0:17:18.000
<v Speaker 3>one of my favorites because everything there, but even like

0:17:18.080 --> 0:17:22.399
<v Speaker 3>CBS and Walgreens, they all label stuff FSA approved or

0:17:22.520 --> 0:17:26.680
<v Speaker 3>FSA eligible. Just don't do what I did and stock

0:17:26.760 --> 0:17:31.080
<v Speaker 3>up on baby sunscreen. Listen, a baby is very small,

0:17:31.240 --> 0:17:35.479
<v Speaker 3>they don't need the sunscreen and that stuff expires, so

0:17:36.160 --> 0:17:38.680
<v Speaker 3>look at these dates, like damn, I think I might

0:17:38.680 --> 0:17:41.200
<v Speaker 3>have put it on him, Like twice yo, that is

0:17:42.040 --> 0:17:43.359
<v Speaker 3>to be in the sun like that, So why do

0:17:43.400 --> 0:17:45.880
<v Speaker 3>they even sell it?

0:17:46.000 --> 0:17:50.080
<v Speaker 1>Like, well, if your baby lives in zimbopers but if not,

0:17:50.280 --> 0:17:51.720
<v Speaker 1>you might not need all the sunscreen.

0:17:55.320 --> 0:17:56.520
<v Speaker 2>Oh they don't.

0:17:56.320 --> 0:17:57.080
<v Speaker 3>Got that much skin.

0:17:57.200 --> 0:17:57.399
<v Speaker 1>I know.

0:17:57.400 --> 0:17:59.199
<v Speaker 3>I'm like trying to lather it on him, like he

0:17:59.400 --> 0:18:05.440
<v Speaker 3>really doesn't. But you're gonna use the subscridhal He's fine,

0:18:05.520 --> 0:18:06.600
<v Speaker 3>He's fine, It's fine.

0:18:07.320 --> 0:18:09.240
<v Speaker 1>Yeah. No, But that's a good end of your nearing

0:18:09.320 --> 0:18:11.160
<v Speaker 1>the end of the year, and I think now it's

0:18:11.160 --> 0:18:12.639
<v Speaker 1>like really just a good time to kind of like

0:18:12.680 --> 0:18:16.040
<v Speaker 1>take stock and prepare. I mean, I would This is

0:18:16.040 --> 0:18:18.399
<v Speaker 1>what I encourage people who had like a hard financial time,

0:18:19.160 --> 0:18:22.560
<v Speaker 1>you know this year, is to ask yourself, like, if

0:18:22.600 --> 0:18:26.600
<v Speaker 1>you could go back to December twenty twenty nineteen, and

0:18:26.640 --> 0:18:28.920
<v Speaker 1>if you knew like, oh my gosh, twenty twenty it's

0:18:28.960 --> 0:18:30.800
<v Speaker 1>going to be kind of a rough financial year, what

0:18:30.880 --> 0:18:34.160
<v Speaker 1>would you have done differently? And to start to start

0:18:34.200 --> 0:18:37.320
<v Speaker 1>to like employ those things now because one of the

0:18:37.359 --> 0:18:40.000
<v Speaker 1>things I you know, after the first recesion basically took

0:18:40.000 --> 0:18:42.080
<v Speaker 1>me all the way out. I remember once I as

0:18:42.160 --> 0:18:44.480
<v Speaker 1>I was rebuilding my life, I was like, Okay, if

0:18:44.520 --> 0:18:47.160
<v Speaker 1>another recession comes cause it's going to what do.

0:18:47.119 --> 0:18:48.639
<v Speaker 2>You wish you would have done differently?

0:18:49.160 --> 0:18:51.800
<v Speaker 1>And I started to slowly but sure because I didn't

0:18:51.800 --> 0:18:53.359
<v Speaker 1>have any money really to start at first. But I

0:18:53.359 --> 0:18:56.000
<v Speaker 1>started to slowly but surely do those things like build

0:18:56.080 --> 0:18:59.359
<v Speaker 1>my emergency you know account, Know what my noodle budget

0:18:59.400 --> 0:19:01.080
<v Speaker 1>is and that's your if you had to eat ramen

0:19:01.119 --> 0:19:03.879
<v Speaker 1>noodle's budget, your bear bones basic budget, like, know what

0:19:03.960 --> 0:19:07.840
<v Speaker 1>that number is the monthly cost of my beer bones expenses,

0:19:08.200 --> 0:19:12.280
<v Speaker 1>And slowly but surely to employ those things so next

0:19:12.280 --> 0:19:15.520
<v Speaker 1>time around, I wouldn't be caught not ready. And so

0:19:15.680 --> 0:19:20.679
<v Speaker 1>this this recession or just really these times you know,

0:19:20.720 --> 0:19:23.360
<v Speaker 1>although they were I mean, they weren't rough for me, thankfully,

0:19:23.720 --> 0:19:27.080
<v Speaker 1>but even if I didn't have the successful businesses, the

0:19:27.119 --> 0:19:30.040
<v Speaker 1>truth is I'm a It turned me into a saver

0:19:30.880 --> 0:19:32.960
<v Speaker 1>the two you know, the two thousand and eight recession,

0:19:33.280 --> 0:19:35.320
<v Speaker 1>and I would have been a saver, like regardless of

0:19:35.320 --> 0:19:37.440
<v Speaker 1>whether it's budget these jing because I was like, ah,

0:19:37.520 --> 0:19:40.280
<v Speaker 1>I don't ever want to be caught, you know, not ready.

0:19:40.320 --> 0:19:42.600
<v Speaker 1>So that's what I just encourage folks to kind of

0:19:42.640 --> 0:19:46.160
<v Speaker 1>take stock and to figure out what you can do

0:19:46.280 --> 0:19:48.520
<v Speaker 1>to work into the new year to be prepared for

0:19:48.600 --> 0:19:51.399
<v Speaker 1>the to be prepared just in case something should happen again.

0:19:52.200 --> 0:19:54.480
<v Speaker 3>Isn't it so hard to do the right thing around

0:19:54.520 --> 0:19:58.280
<v Speaker 3>the holidays? Though it just seems like it's one thing

0:19:58.320 --> 0:20:00.960
<v Speaker 3>to fall on hard times in March, it's another thing

0:20:01.040 --> 0:20:03.560
<v Speaker 3>to still be on hard times when the holidays roll

0:20:03.600 --> 0:20:05.400
<v Speaker 3>around and you have kids. And my heart goes out

0:20:05.440 --> 0:20:07.399
<v Speaker 3>to parents because I know that you want to give

0:20:07.440 --> 0:20:11.400
<v Speaker 3>your kids a Christmas of their dreams. And uh, it's

0:20:11.160 --> 0:20:13.760
<v Speaker 3>and and even just like looking at I opened up

0:20:13.800 --> 0:20:15.840
<v Speaker 3>like the weekly flyer, which I don't ever do, but anyway,

0:20:15.880 --> 0:20:17.879
<v Speaker 3>I opened up Targets flyer and the first ten pages

0:20:17.880 --> 0:20:22.040
<v Speaker 3>are toys, toys, toys, and it's so and another sign.

0:20:22.640 --> 0:20:25.040
<v Speaker 3>I was on a call earlier with our our content

0:20:25.040 --> 0:20:27.359
<v Speaker 3>team at lending Tree, and I think our personal loans

0:20:27.359 --> 0:20:31.720
<v Speaker 3>team was celebrating because our holiday personal loan, our holiday

0:20:31.840 --> 0:20:36.960
<v Speaker 3>debt loan article page is getting five hundred percent growth

0:20:36.960 --> 0:20:41.359
<v Speaker 3>in traffic, five hundred percent, And to me, that's like, yay,

0:20:41.480 --> 0:20:44.320
<v Speaker 3>our article is really good about how to handle, you know,

0:20:44.440 --> 0:20:47.800
<v Speaker 3>borrowing money for holiday spending. But also like please, dear God,

0:20:48.440 --> 0:20:51.240
<v Speaker 3>think before you take out debt. I mean, yes, it's

0:20:51.320 --> 0:20:53.760
<v Speaker 3>better to take out like a personal loan than it

0:20:53.840 --> 0:20:56.360
<v Speaker 3>could be better, I should say, depending on the rate

0:20:56.440 --> 0:20:58.760
<v Speaker 3>that you get than using a you know, a double

0:20:58.800 --> 0:21:02.159
<v Speaker 3>digit interest credit card. But it just I just to

0:21:02.240 --> 0:21:06.440
<v Speaker 3>work and listen my mom. I'll never forget the Christmas

0:21:06.520 --> 0:21:09.480
<v Speaker 3>after my parents got divorced and my mom couldn't afford anything,

0:21:09.520 --> 0:21:12.360
<v Speaker 3>and like her coworkers, you know, got together and got

0:21:12.440 --> 0:21:15.879
<v Speaker 3>us a bunch of little gifts and like little Crayola sets.

0:21:16.400 --> 0:21:18.399
<v Speaker 3>She really leaned on her tribe, her community, you know,

0:21:18.440 --> 0:21:21.360
<v Speaker 3>community and friends and family for help. And I know

0:21:21.400 --> 0:21:24.080
<v Speaker 3>that there's families out there struggling with with with kids,

0:21:24.480 --> 0:21:26.960
<v Speaker 3>and you want to do everything for them. But as

0:21:27.040 --> 0:21:30.760
<v Speaker 3>much as you can try to like readjust your own

0:21:30.800 --> 0:21:36.439
<v Speaker 3>expectations and and be okay with a thinner Christmas holiday season,

0:21:36.520 --> 0:21:39.919
<v Speaker 3>just it's okay. You don't feel And I'm saying this

0:21:40.040 --> 0:21:43.159
<v Speaker 3>as a parent, and I just know I literally was

0:21:43.200 --> 0:21:45.240
<v Speaker 3>on a ladder by myself in thirty two degree weather

0:21:45.320 --> 0:21:47.840
<v Speaker 3>putting up lights for my baby. Like I know, you

0:21:47.880 --> 0:21:50.520
<v Speaker 3>want to do everything for them. I just I'm worried,

0:21:50.520 --> 0:21:53.879
<v Speaker 3>and I just I want people to to to settle

0:21:53.920 --> 0:21:55.720
<v Speaker 3>in and be okay with where they're at right now

0:21:55.760 --> 0:21:58.680
<v Speaker 3>financially and keep your eye on the long game. Keep

0:21:58.720 --> 0:22:02.879
<v Speaker 3>your eye on just the unwrapping a gift that'll entertain

0:22:02.960 --> 0:22:05.560
<v Speaker 3>them for a little while or you know, for a

0:22:05.640 --> 0:22:08.800
<v Speaker 3>couple of hours, honestly, and think about you know, really,

0:22:08.920 --> 0:22:11.679
<v Speaker 3>like Tiffany said, taking stock and thinking about the future

0:22:11.720 --> 0:22:16.280
<v Speaker 3>and the long game, because that's that's what's important ultimately.

0:22:17.720 --> 0:22:21.000
<v Speaker 2>Okay, well are you are you ready for my favorite

0:22:21.040 --> 0:22:23.320
<v Speaker 2>part of this show? Yeah?

0:22:23.320 --> 0:22:26.480
<v Speaker 3>I think we covered everything. Do your exercise, health, eat

0:22:26.480 --> 0:22:30.280
<v Speaker 3>your spine, don't take out tons of debt for your holidays.

0:22:30.359 --> 0:22:35.240
<v Speaker 3>You're welcome, guys. Yeah, let's let's take a quick break

0:22:35.240 --> 0:23:08.919
<v Speaker 3>and we'll be right back with your questions.

0:23:10.280 --> 0:23:13.560
<v Speaker 2>And we're black, I mean back, but we are black.

0:23:13.960 --> 0:23:14.160
<v Speaker 3>Yeah.

0:23:14.680 --> 0:23:15.440
<v Speaker 2>I love that joke.

0:23:15.480 --> 0:23:16.160
<v Speaker 3>Equally true.

0:23:17.240 --> 0:23:18.680
<v Speaker 2>What are our questions?

0:23:20.359 --> 0:23:22.280
<v Speaker 3>I'm just gonna make a SoundBite of that and play

0:23:22.280 --> 0:23:24.639
<v Speaker 3>it back for giggles. I love that joke. That's a

0:23:24.680 --> 0:23:27.640
<v Speaker 3>good joke. Tip. All Right, thank y'all for your questions.

0:23:27.680 --> 0:23:29.560
<v Speaker 3>If you have questions, we are always open. You can

0:23:29.600 --> 0:23:32.320
<v Speaker 3>hit us up Brand Ambition Podcast on the Gram or

0:23:32.480 --> 0:23:37.000
<v Speaker 3>Brand Ambition Podcast at gmail dot com. Pa Let's see,

0:23:37.040 --> 0:23:39.359
<v Speaker 3>so this listener on the Gram she would like to

0:23:39.359 --> 0:23:41.840
<v Speaker 3>be referred to as Maya, but she has a question

0:23:42.000 --> 0:23:45.159
<v Speaker 3>about some debt. Maya says, I've been listening to the

0:23:45.200 --> 0:23:47.760
<v Speaker 3>podcast like Clockwork for the last year or so. You

0:23:47.800 --> 0:23:50.399
<v Speaker 3>two are my older cousins in my head that forever

0:23:50.480 --> 0:23:53.400
<v Speaker 3>dropped the financial gems I need to adhere to. As

0:23:53.400 --> 0:23:55.439
<v Speaker 3>a millennial who has racked up a good amount of

0:23:55.480 --> 0:23:59.520
<v Speaker 3>debt from primarily credit cards, I'm seeking some advice. Unfortunately,

0:23:59.560 --> 0:24:02.720
<v Speaker 3>for years, my credit cards have been my emergency fund

0:24:02.920 --> 0:24:07.080
<v Speaker 3>when unforeseen events happen. Currently, I have just under ten

0:24:07.080 --> 0:24:10.439
<v Speaker 3>thousand dollars that I've narrowed down to one card. My

0:24:10.600 --> 0:24:13.480
<v Speaker 3>question is I want advice on how do I get

0:24:13.520 --> 0:24:16.240
<v Speaker 3>better odds of getting a balance transfer credit card that

0:24:16.280 --> 0:24:20.240
<v Speaker 3>would cover the entire ten thousand dollars balance. I've used

0:24:20.280 --> 0:24:23.959
<v Speaker 3>balanced transfer offers previously and they're great, but the issue

0:24:24.000 --> 0:24:26.520
<v Speaker 3>is they never cover the full amount. I am not

0:24:26.600 --> 0:24:29.160
<v Speaker 3>in a position where I want to create another bill

0:24:29.440 --> 0:24:32.240
<v Speaker 3>paying two cards. Are there any tips to getting a

0:24:32.280 --> 0:24:34.480
<v Speaker 3>card that will cover the full ten k so I

0:24:34.520 --> 0:24:40.320
<v Speaker 3>can take my financial freedom back? Thank you, myya, Maya

0:24:40.400 --> 0:24:40.680
<v Speaker 3>the Bee.

0:24:41.240 --> 0:24:43.000
<v Speaker 1>You too young, But there used to be this cartoon

0:24:43.000 --> 0:24:45.800
<v Speaker 1>on Nickelodeon called Maya the Bee who remembers. Please tell

0:24:45.800 --> 0:24:47.520
<v Speaker 1>me I'm not the only one. I used to love

0:24:47.560 --> 0:24:51.679
<v Speaker 1>that show. That's what my remind would be of. But ugh, Maya,

0:24:51.840 --> 0:24:54.080
<v Speaker 1>I think you are lamenting on what all of us

0:24:54.160 --> 0:24:57.320
<v Speaker 1>laments on, because you're like, it's it's like spitting the

0:24:57.680 --> 0:24:58.679
<v Speaker 1>it's not real fortune.

0:24:58.720 --> 0:24:59.560
<v Speaker 2>What was that game show?

0:24:59.560 --> 0:25:02.040
<v Speaker 1>It's like through with It was like the old guy

0:25:02.080 --> 0:25:04.199
<v Speaker 1>who you would spin the wheel and it was like

0:25:04.200 --> 0:25:05.240
<v Speaker 1>big money, big money.

0:25:05.040 --> 0:25:05.480
<v Speaker 2>Big money.

0:25:05.760 --> 0:25:10.480
<v Speaker 1>Right, yes, yes, So the only way that I have

0:25:10.640 --> 0:25:13.679
<v Speaker 1>seen is really the more your income is because you

0:25:13.680 --> 0:25:15.919
<v Speaker 1>have to like self report, then you know, then you

0:25:16.000 --> 0:25:18.879
<v Speaker 1>have a better chance of getting a higher balance for

0:25:18.920 --> 0:25:21.000
<v Speaker 1>your balance transfer card, a higher limit for your balance

0:25:21.040 --> 0:25:23.960
<v Speaker 1>transfer card. But it sucks because you could ask ahead

0:25:23.960 --> 0:25:25.199
<v Speaker 1>of time, they're not going to tell you because I

0:25:25.240 --> 0:25:29.200
<v Speaker 1>tried that. So the better your your credit score and

0:25:29.320 --> 0:25:32.560
<v Speaker 1>the more your income is, then the more likely you are.

0:25:32.640 --> 0:25:35.720
<v Speaker 1>But I'm not gonna lie. I've done a couple of

0:25:35.760 --> 0:25:39.000
<v Speaker 1>balance transfers. I've never gotten ten thousand, not that it's impossible,

0:25:39.680 --> 0:25:41.760
<v Speaker 1>and that was some years ago. So maybe my income

0:25:41.840 --> 0:25:46.399
<v Speaker 1>wasn't high enough. But yeah, there's no I mean maybe Mandy,

0:25:46.400 --> 0:25:48.800
<v Speaker 1>you know you know better, but I haven't found a

0:25:48.840 --> 0:25:53.480
<v Speaker 1>magic sauce other than better, better credit score and a

0:25:53.560 --> 0:25:54.959
<v Speaker 1>higher income to report.

0:25:55.400 --> 0:25:57.720
<v Speaker 3>Yeah, there really isn't one. And it's like Tiffany says,

0:25:57.760 --> 0:25:59.360
<v Speaker 3>you're not going to find out how much you get

0:25:59.400 --> 0:26:03.159
<v Speaker 3>approve for until you apply and see, so that's the

0:26:03.240 --> 0:26:06.560
<v Speaker 3>unfortunate thing about you know, balance transfer credit cards. I

0:26:06.600 --> 0:26:10.080
<v Speaker 3>would say, you know, worst case scenario if you apply

0:26:10.359 --> 0:26:12.320
<v Speaker 3>and you're able to get I mean, it does sound

0:26:12.359 --> 0:26:14.639
<v Speaker 3>like if you've been qualifying for a balance transfer offers,

0:26:14.680 --> 0:26:17.640
<v Speaker 3>your credit score in spite of your debt is probably

0:26:17.680 --> 0:26:20.960
<v Speaker 3>fairly good. You typically need a pretty good credit score

0:26:21.000 --> 0:26:24.880
<v Speaker 3>to qualify for those zero percent interest balance transfer offers.

0:26:25.160 --> 0:26:28.040
<v Speaker 3>But let's say you know, you apply for another zero

0:26:28.080 --> 0:26:31.920
<v Speaker 3>percent intro balance credit card and it covers five thousand

0:26:31.920 --> 0:26:34.680
<v Speaker 3>dollars and you really want to get that debt paid off.

0:26:34.720 --> 0:26:36.840
<v Speaker 3>I mean, you could try to go to a credit

0:26:36.920 --> 0:26:39.040
<v Speaker 3>union or an online lender, and if your credit score

0:26:39.080 --> 0:26:41.560
<v Speaker 3>is really good, you know, see about a personal loan,

0:26:41.600 --> 0:26:45.080
<v Speaker 3>like a debt consolidation loan. Obviously you'll pay some interest

0:26:45.119 --> 0:26:46.560
<v Speaker 3>on that, but it could be a lot less than

0:26:46.600 --> 0:26:48.760
<v Speaker 3>what you're paying on your credit card debt, and you know,

0:26:48.840 --> 0:26:52.199
<v Speaker 3>give you some relief. But I definitely feel like the

0:26:52.280 --> 0:26:54.800
<v Speaker 3>symptom this is a symptom of the you know, the

0:26:55.280 --> 0:26:57.760
<v Speaker 3>reliance on debt, and it sounds like you you know,

0:26:57.800 --> 0:27:01.399
<v Speaker 3>you're aware of that problem, but I really just I

0:27:01.720 --> 0:27:04.560
<v Speaker 3>hope whatever you do, you keep on the path toward

0:27:04.600 --> 0:27:07.719
<v Speaker 3>paying that down and definitely staying on top of the

0:27:07.760 --> 0:27:10.440
<v Speaker 3>intro periods on those balance transfers so you don't get

0:27:10.440 --> 0:27:14.640
<v Speaker 3>caught with my least favorite deferred interest getting tacked onto

0:27:14.680 --> 0:27:16.760
<v Speaker 3>it if you aren't able to pay it off before

0:27:16.800 --> 0:27:19.760
<v Speaker 3>that intro period's over exactly.

0:27:19.960 --> 0:27:22.399
<v Speaker 1>So, I mean, I know it doesn't sound because I

0:27:22.400 --> 0:27:23.679
<v Speaker 1>definitely remember the first time I was.

0:27:23.680 --> 0:27:25.520
<v Speaker 2>Like, I was like, broh, wait, what how much?

0:27:26.000 --> 0:27:29.320
<v Speaker 3>What I've never done what my husband has? And I

0:27:29.359 --> 0:27:32.320
<v Speaker 3>think we did. I think you got like five thousand.

0:27:32.440 --> 0:27:37.320
<v Speaker 3>But it's you knows, the balance transfers ultimately for their

0:27:37.320 --> 0:27:39.840
<v Speaker 3>benefit because they're getting you to spend money on their

0:27:39.880 --> 0:27:43.520
<v Speaker 3>credit card instead of your existing banks credit card. They're

0:27:43.520 --> 0:27:46.840
<v Speaker 3>not trying to you know, it's a fine balance they

0:27:46.840 --> 0:27:49.440
<v Speaker 3>have to. They definitely like the fact that people are

0:27:49.440 --> 0:27:51.600
<v Speaker 3>in debt enough to want to switch to their you know,

0:27:51.680 --> 0:27:53.639
<v Speaker 3>intro period credit card, but they kind of want you

0:27:53.680 --> 0:27:56.880
<v Speaker 3>to stay in debt too, so it doesn't quite behoove

0:27:56.920 --> 0:27:59.280
<v Speaker 3>them to, you know, give you everything you need to

0:27:59.320 --> 0:28:02.640
<v Speaker 3>pay off your debt. But that's a good question though.

0:28:02.800 --> 0:28:05.240
<v Speaker 3>In good luck on your debt payoff journey, it sounds

0:28:05.240 --> 0:28:06.719
<v Speaker 3>like you've made a lot of good progress and you're

0:28:07.160 --> 0:28:11.480
<v Speaker 3>gonna say, yeah, major kudos, my friend. You're on your way.

0:28:11.600 --> 0:28:15.000
<v Speaker 3>All right, Let's take another question. This one comes also

0:28:15.040 --> 0:28:17.240
<v Speaker 3>from the GRAM and she would like to remain Oh,

0:28:17.320 --> 0:28:21.360
<v Speaker 3>she or he would like to remain anonymous. All right,

0:28:21.440 --> 0:28:24.560
<v Speaker 3>She says, I have friend recently put me onto your podcast,

0:28:24.560 --> 0:28:27.360
<v Speaker 3>and I'm thankful beyond measure to have access to your platform.

0:28:27.359 --> 0:28:30.280
<v Speaker 3>I'm reaching out for any support you can offer. I'm

0:28:30.280 --> 0:28:33.400
<v Speaker 3>seeking guidance with my savings account. I've managed to save

0:28:33.440 --> 0:28:35.760
<v Speaker 3>close to forty thousand dollars and I just have no

0:28:35.840 --> 0:28:38.040
<v Speaker 3>idea what to do with it. I already have a

0:28:38.040 --> 0:28:41.240
<v Speaker 3>life insurance policy that I contribute to annually and a

0:28:41.280 --> 0:28:44.480
<v Speaker 3>four or three B through work. I initially began saving

0:28:44.520 --> 0:28:46.400
<v Speaker 3>to have cash to put down on a home, but

0:28:46.480 --> 0:28:49.080
<v Speaker 3>once the pandemic hit, I had to relocate, and home

0:28:49.120 --> 0:28:51.960
<v Speaker 3>ownership is now on the back burner until personal things

0:28:52.000 --> 0:28:55.080
<v Speaker 3>get on track. I guess my question is how can

0:28:55.120 --> 0:28:57.760
<v Speaker 3>I capitalize on the money I've saved? Is there a

0:28:57.800 --> 0:28:59.960
<v Speaker 3>better place to hold this much money other than my

0:29:00.080 --> 0:29:02.960
<v Speaker 3>Bank of America savans account. My goal is to have

0:29:03.040 --> 0:29:06.440
<v Speaker 3>fifty thousand dollars and with my current budgeting plan, I

0:29:06.480 --> 0:29:09.120
<v Speaker 3>should be able to get there by March, which is awesome.

0:29:09.520 --> 0:29:12.160
<v Speaker 3>But then what question mark?

0:29:13.440 --> 0:29:15.560
<v Speaker 1>I'm gonna call them logan so that except for he

0:29:15.680 --> 0:29:17.840
<v Speaker 1>or she? Right, sure, I feel like Logan is such

0:29:17.880 --> 0:29:20.000
<v Speaker 1>a great like he she named? You know, doesn't matter.

0:29:20.000 --> 0:29:24.680
<v Speaker 3>Gender, New Trump all about it, right, Lolo?

0:29:25.080 --> 0:29:29.160
<v Speaker 1>First of all, BA, not black brand ambition, but Bank

0:29:29.200 --> 0:29:34.960
<v Speaker 1>of America, I please run, meaning as far as like

0:29:35.040 --> 0:29:39.040
<v Speaker 1>leaving your money and you're in a traditional I mean

0:29:39.040 --> 0:29:42.520
<v Speaker 1>they're not giving much interest away. But I suspect that

0:29:42.600 --> 0:29:44.640
<v Speaker 1>BA is literally they.

0:29:45.160 --> 0:29:48.680
<v Speaker 3>They were a piece because like we're BA.

0:29:48.280 --> 0:29:50.680
<v Speaker 2>B a b of ay. Let's do b a so

0:29:50.800 --> 0:29:51.160
<v Speaker 2>b of a.

0:29:51.360 --> 0:29:53.560
<v Speaker 1>I bet you they're not even giving like a piece

0:29:53.560 --> 0:29:55.400
<v Speaker 1>of a penny anyway. They're just giving a link pocket

0:29:55.400 --> 0:29:59.040
<v Speaker 1>lint now, because you know they traditional banks tend to

0:29:59.040 --> 0:30:02.240
<v Speaker 1>give like the worst interest pay pay, you know, as

0:30:02.280 --> 0:30:04.440
<v Speaker 1>far as paid a to a savings account.

0:30:04.520 --> 0:30:05.560
<v Speaker 2>So at the very.

0:30:05.560 --> 0:30:09.000
<v Speaker 1>Least switch on over to an online on lead bank, Like,

0:30:09.120 --> 0:30:11.160
<v Speaker 1>for example, if you go to magnified money dot com,

0:30:11.160 --> 0:30:13.400
<v Speaker 1>that's like my favorite site to find online only banks

0:30:13.720 --> 0:30:15.880
<v Speaker 1>and just type in, like you click on the savings

0:30:16.600 --> 0:30:18.840
<v Speaker 1>button and you can see a bunch of them listed.

0:30:19.200 --> 0:30:21.320
<v Speaker 1>You're just gonna look for who's paying out the highest

0:30:21.320 --> 0:30:26.160
<v Speaker 1>interest currently zero deposit required or like a dollar deposit

0:30:26.240 --> 0:30:29.720
<v Speaker 1>required that you can keep like a dollar in order

0:30:29.760 --> 0:30:32.320
<v Speaker 1>to earn the highest interest that they're paying out, and

0:30:32.360 --> 0:30:34.800
<v Speaker 1>that they that it's given at least an A. I

0:30:34.800 --> 0:30:37.000
<v Speaker 1>always look for an A because Magnified Money does a

0:30:37.000 --> 0:30:39.800
<v Speaker 1>really great thing where they give them grades. But here's

0:30:39.840 --> 0:30:41.680
<v Speaker 1>I mean, I know everybody's wanting to like put their

0:30:41.720 --> 0:30:42.600
<v Speaker 1>money to work.

0:30:42.440 --> 0:30:43.920
<v Speaker 2>But you haven't.

0:30:43.960 --> 0:30:48.320
<v Speaker 1>She didn't really Well, Logan didn't share if they had

0:30:48.400 --> 0:30:50.440
<v Speaker 1>emergency savings, right right, Mandy.

0:30:50.360 --> 0:30:54.000
<v Speaker 3>Well she does say that she I should say, I'm

0:30:54.040 --> 0:30:57.560
<v Speaker 3>like getting my logan into trouble. Anyway, Logan said that

0:30:57.800 --> 0:31:00.480
<v Speaker 3>they have a four H three B through work and

0:31:00.520 --> 0:31:02.440
<v Speaker 3>they pay into a life insurance policy. I'm going to

0:31:02.480 --> 0:31:04.960
<v Speaker 3>guess this forty K. They say that they put it

0:31:05.000 --> 0:31:08.360
<v Speaker 3>aside to save up for a home. Let's assume that

0:31:08.400 --> 0:31:11.640
<v Speaker 3>this is downpayment money. But also emergency savings.

0:31:11.880 --> 0:31:14.560
<v Speaker 1>That's when I got the vibe right then, like lol,

0:31:14.800 --> 0:31:18.320
<v Speaker 1>I would say I would add, like, figure out what

0:31:18.320 --> 0:31:20.320
<v Speaker 1>your noodle budget is, meaning like if your life costs

0:31:20.400 --> 0:31:23.080
<v Speaker 1>you typically say five thousand bucks a month, but if

0:31:23.080 --> 0:31:25.920
<v Speaker 1>you just pay for the essentials, it's three thousand bucks.

0:31:25.960 --> 0:31:29.160
<v Speaker 1>Let's just pretend, so three thousand times six months is

0:31:29.200 --> 0:31:32.000
<v Speaker 1>eighteen thousand dollars. So then eighteen thousand should just honestly

0:31:32.120 --> 0:31:34.560
<v Speaker 1>just that's your first line of defense. It should just

0:31:34.600 --> 0:31:35.080
<v Speaker 1>be saved.

0:31:35.240 --> 0:31:35.640
<v Speaker 2>That's it.

0:31:35.840 --> 0:31:38.960
<v Speaker 1>And then the other component is where you might want

0:31:38.960 --> 0:31:41.880
<v Speaker 1>to if depending when do you need it. If you're like, oh,

0:31:41.880 --> 0:31:43.560
<v Speaker 1>I might want to buy a house in two years,

0:31:43.680 --> 0:31:45.719
<v Speaker 1>well maybe you don't want to put it into the market.

0:31:45.760 --> 0:31:47.480
<v Speaker 1>But if you're like, you know what, I don't know

0:31:47.480 --> 0:31:49.040
<v Speaker 1>what I'm going to want to buy a house, I

0:31:49.040 --> 0:31:51.320
<v Speaker 1>don't mind leaving the money alone for three to five years,

0:31:51.360 --> 0:31:54.120
<v Speaker 1>And you might want to look into slowly but surely

0:31:54.160 --> 0:31:56.600
<v Speaker 1>putting money into an index fund so you can see

0:31:56.640 --> 0:31:59.560
<v Speaker 1>if you'll get like a you know, a better return

0:31:59.560 --> 0:32:01.560
<v Speaker 1>than you would than savings. So I guess it all

0:32:01.560 --> 0:32:05.320
<v Speaker 1>depends on like what her what Logan's goals are. If

0:32:05.880 --> 0:32:07.640
<v Speaker 1>you know like if if you don't have emergent, I

0:32:07.680 --> 0:32:10.120
<v Speaker 1>always say, start with emergency savings and then work from there.

0:32:10.240 --> 0:32:12.040
<v Speaker 3>What do you think, Mandra, Yeah, it kind of reminds

0:32:12.080 --> 0:32:13.800
<v Speaker 3>me of a question we got last week. I forget

0:32:13.840 --> 0:32:15.720
<v Speaker 3>the particulars, but I know at a certain point we

0:32:15.760 --> 0:32:17.840
<v Speaker 3>were like, look when it comes to us, when it

0:32:17.840 --> 0:32:21.720
<v Speaker 3>comes to savings that you want easily accessible, like you

0:32:21.760 --> 0:32:23.480
<v Speaker 3>don't have to overthink it, just put it in a

0:32:23.520 --> 0:32:26.160
<v Speaker 3>savings account. And you know, BAA is nothing special in

0:32:26.240 --> 0:32:28.520
<v Speaker 3>terms of big banks. Every big bank out there, you

0:32:28.560 --> 0:32:33.600
<v Speaker 3>know your chases, your oh TD banks, You're I'm just

0:32:33.720 --> 0:32:36.360
<v Speaker 3>any big bank, like they all the traditional brick and

0:32:36.400 --> 0:32:40.080
<v Speaker 3>mortar banks typically give you really low to nothing rates

0:32:40.120 --> 0:32:42.520
<v Speaker 3>on your savings, so you're not gonna make money on

0:32:42.560 --> 0:32:45.720
<v Speaker 3>your savings and online only banks, like Tiffany said, yes,

0:32:45.760 --> 0:32:49.640
<v Speaker 3>they often have much much higher yields on their savings accounts,

0:32:49.640 --> 0:32:52.600
<v Speaker 3>but they're still like one percent maybe these days, like

0:32:52.720 --> 0:32:55.480
<v Speaker 3>less than one percent. They're not amazing. They're not like

0:32:55.880 --> 0:32:58.720
<v Speaker 3>gonna make you, you know rich On rich On rich

0:32:58.800 --> 0:33:01.320
<v Speaker 3>the way that you know you can really you know,

0:33:01.560 --> 0:33:05.240
<v Speaker 3>you can really compound your returns, your return on investment

0:33:05.280 --> 0:33:07.880
<v Speaker 3>through investing in the stock market. You just have to

0:33:07.920 --> 0:33:11.240
<v Speaker 3>like adjust your expectations and remember what the money is

0:33:11.320 --> 0:33:14.680
<v Speaker 3>in the savings account. For the money in your savings account.

0:33:14.720 --> 0:33:16.800
<v Speaker 3>You know, the way that I approach it, it's not to

0:33:16.960 --> 0:33:20.360
<v Speaker 3>grow wealth. This is to protect what you have and

0:33:20.400 --> 0:33:23.040
<v Speaker 3>protect yourself for the future, to protect yourself against debt,

0:33:23.200 --> 0:33:26.320
<v Speaker 3>and to save for short term goals. So it sounds

0:33:26.400 --> 0:33:29.000
<v Speaker 3>like what you have right now in savings is like, okay,

0:33:29.120 --> 0:33:32.280
<v Speaker 3>some cushion for for protection, which is really important, and

0:33:32.320 --> 0:33:34.720
<v Speaker 3>then also for a short ish term. You know, even

0:33:34.720 --> 0:33:36.160
<v Speaker 3>though you're not going to buy a house now, like

0:33:36.160 --> 0:33:37.640
<v Speaker 3>Tiffany said, you might want to get one of the

0:33:37.680 --> 0:33:39.880
<v Speaker 3>next one to two years. That to me is still

0:33:39.880 --> 0:33:42.160
<v Speaker 3>a short enough timeline to say, you know, keep it

0:33:42.160 --> 0:33:44.120
<v Speaker 3>in a bank account, and you know, if you want

0:33:44.120 --> 0:33:46.400
<v Speaker 3>to switch it, definitely, you know you could. I don't

0:33:46.400 --> 0:33:48.760
<v Speaker 3>know what the math is like if you if you,

0:33:48.760 --> 0:33:51.320
<v Speaker 3>you know, switch that, put that forty K into a

0:33:51.440 --> 0:33:55.000
<v Speaker 3>high interest account. You'll certainly earn some money on that money.

0:33:55.040 --> 0:33:57.160
<v Speaker 3>And like, who wants to not do that? If you

0:33:57.200 --> 0:33:59.920
<v Speaker 3>have the option, so do that. But then you know,

0:34:00.160 --> 0:34:02.440
<v Speaker 3>you just don't, don't don't don't expect more out of

0:34:02.520 --> 0:34:04.920
<v Speaker 3>your savings account than what it's meant for. And when

0:34:04.960 --> 0:34:09.320
<v Speaker 3>you're ready to, you know, upgrade to a brokerage account

0:34:09.400 --> 0:34:11.360
<v Speaker 3>and just go ahead and invest in the stock market.

0:34:11.640 --> 0:34:14.120
<v Speaker 3>Excuse me. You have to sort of start from Okay,

0:34:14.160 --> 0:34:17.759
<v Speaker 3>what are my goals and in which order? So emergency fund, tick,

0:34:18.040 --> 0:34:21.280
<v Speaker 3>down payment for a house tick. Then what other goals

0:34:21.280 --> 0:34:23.600
<v Speaker 3>do you have if they're in the short term, and

0:34:23.640 --> 0:34:26.319
<v Speaker 3>then keep extending those goals out to the long term.

0:34:26.360 --> 0:34:29.560
<v Speaker 3>And it's that like for me past five years, that's

0:34:29.640 --> 0:34:33.080
<v Speaker 3>when I feel like, you know, definitely trying to invest

0:34:33.120 --> 0:34:36.799
<v Speaker 3>in the stock market might make the most sense. Yeah,

0:34:36.840 --> 0:34:38.920
<v Speaker 3>and forty k sounds like a lot, But Tiffany, once

0:34:38.960 --> 0:34:41.560
<v Speaker 3>you start doing that math of like even with your

0:34:41.600 --> 0:34:44.880
<v Speaker 3>even with your you know, your conservative budget there of

0:34:44.920 --> 0:34:46.799
<v Speaker 3>like six k a month. Wait what did you Yeah,

0:34:46.800 --> 0:34:49.759
<v Speaker 3>eighteen k that's already half of that savings. And then

0:34:49.840 --> 0:34:51.640
<v Speaker 3>if you put in another twenty k for a down

0:34:51.640 --> 0:34:54.000
<v Speaker 3>payment and you don't want to, like you don't want

0:34:54.000 --> 0:34:55.759
<v Speaker 3>to buy a house and then have nothing in the

0:34:55.760 --> 0:34:57.880
<v Speaker 3>bank you need to have you want to have something

0:34:57.960 --> 0:34:59.959
<v Speaker 3>left over, so you don't want to put the full

0:35:00.120 --> 0:35:01.960
<v Speaker 3>forty k into a house, so that you have zero

0:35:02.080 --> 0:35:06.520
<v Speaker 3>savings left over. What if something happens like our plumbing

0:35:06.600 --> 0:35:09.160
<v Speaker 3>just blew up, you know, six months into owning a house.

0:35:09.200 --> 0:35:12.080
<v Speaker 3>So you want to have you know, cash cushions set

0:35:12.080 --> 0:35:14.319
<v Speaker 3>aside for that as well, if you're going to become

0:35:14.320 --> 0:35:14.880
<v Speaker 3>a homeowner.

0:35:15.280 --> 0:35:17.400
<v Speaker 1>No, absolutely, and you're right because I mean forty k

0:35:17.480 --> 0:35:19.400
<v Speaker 1>it's it's a lot of money until you start to

0:35:19.440 --> 0:35:22.560
<v Speaker 1>really until you start to disperse it, you know, and

0:35:22.600 --> 0:35:25.360
<v Speaker 1>to say, because that's what you're wanting. You the stronger

0:35:25.400 --> 0:35:29.960
<v Speaker 1>the foundation, the better. I mean, everyone has financial challenges

0:35:30.000 --> 0:35:33.000
<v Speaker 1>at some point, So what you're wanting to do is like, Okay,

0:35:33.080 --> 0:35:35.560
<v Speaker 1>what do I what can I do to help to

0:35:36.280 --> 0:35:38.920
<v Speaker 1>leverage against that? Like okay, if I've got to if

0:35:38.920 --> 0:35:42.440
<v Speaker 1>I've got my emergency savings, if I've put you know,

0:35:42.480 --> 0:35:45.040
<v Speaker 1>a decent amount down in the house, if you know,

0:35:45.080 --> 0:35:47.360
<v Speaker 1>I'm living already living below my means. It's like the

0:35:47.440 --> 0:35:49.879
<v Speaker 1>non fun things, but those are the things when things

0:35:49.960 --> 0:35:53.080
<v Speaker 1>get rough, it's not as rough for you because you've

0:35:53.120 --> 0:35:55.239
<v Speaker 1>put those things into place. And I think that's the

0:35:55.280 --> 0:35:57.160
<v Speaker 1>place that like, you know, Mandy and I because you know,

0:35:57.200 --> 0:36:01.120
<v Speaker 1>we we weren't living these like footloos and fancy refinancial lives.

0:36:01.160 --> 0:36:03.960
<v Speaker 1>But as a result this year, although you know it's

0:36:04.000 --> 0:36:06.400
<v Speaker 1>not been easy, we haven't been devastated by it.

0:36:07.400 --> 0:36:12.120
<v Speaker 3>Yeah, and I mean I also feel like, oh dang it,

0:36:12.160 --> 0:36:16.799
<v Speaker 3>my mom brain just cricked in. It's kind of like

0:36:16.840 --> 0:36:20.040
<v Speaker 3>if you're walking, if you're like climbing a tree and

0:36:20.080 --> 0:36:22.480
<v Speaker 3>then all of a sudden the branch is gone. That's

0:36:22.560 --> 0:36:25.600
<v Speaker 3>kind of what mom brain is like, and the tree

0:36:25.960 --> 0:36:28.239
<v Speaker 3>is my train of thought. Let's just kip it. I

0:36:28.280 --> 0:36:30.560
<v Speaker 3>don't know for any mom listening. I'm going to keep

0:36:30.600 --> 0:36:32.239
<v Speaker 3>this in the podcast so you don't feel alone.

0:36:33.760 --> 0:36:35.799
<v Speaker 2>Well, what do you call my brain? Because I'm always like, wait,

0:36:35.960 --> 0:36:36.920
<v Speaker 2>who am I?

0:36:38.200 --> 0:36:39.640
<v Speaker 1>Because literally you're like, you know, you do that thing

0:36:39.680 --> 0:36:41.600
<v Speaker 1>you come to the kitchen or whatever, You're like, what

0:36:41.640 --> 0:36:42.600
<v Speaker 1>am I looking for?

0:36:42.760 --> 0:36:44.240
<v Speaker 2>What did I come here? Forward?

0:36:44.560 --> 0:36:46.040
<v Speaker 1>And you're like, I don't want to go back upstairs

0:36:46.040 --> 0:36:47.680
<v Speaker 1>because I know I'm gonna remember as soon as.

0:36:47.560 --> 0:36:48.760
<v Speaker 2>I get to the third floor.

0:36:48.920 --> 0:36:51.719
<v Speaker 3>I found a robot in the fridge yesterday. So that's me.

0:36:51.960 --> 0:36:53.160
<v Speaker 2>Oh yep.

0:36:53.960 --> 0:36:57.520
<v Speaker 3>Well, thank you, thank you Logan or Lolo as we've

0:36:57.520 --> 0:37:01.520
<v Speaker 3>already nicknamed your fake name. Thank you for question if

0:37:01.560 --> 0:37:03.160
<v Speaker 3>y'all want to answer, if you want us to answer

0:37:03.200 --> 0:37:06.600
<v Speaker 3>your questions, hit us up Brandabision podcast on Instagram or

0:37:06.680 --> 0:37:12.600
<v Speaker 3>Brandabision podcast gmail dot com dot com.

0:37:12.640 --> 0:37:17.560
<v Speaker 1>And now it's time to boostop break up, boostop, break

0:37:20.200 --> 0:37:25.719
<v Speaker 1>stop break well, I want to I guess I want

0:37:25.760 --> 0:37:28.239
<v Speaker 1>to boost. Have you heard a clubhouse?

0:37:28.320 --> 0:37:30.000
<v Speaker 3>Mandra crackers?

0:37:30.600 --> 0:37:32.360
<v Speaker 2>No clubhouse? No?

0:37:32.360 --> 0:37:32.440
<v Speaker 1>No?

0:37:33.000 --> 0:37:34.000
<v Speaker 2>Do you know how to clubhouse?

0:37:34.000 --> 0:37:36.160
<v Speaker 3>It is my husband's favorite characters. No, I have not

0:37:37.080 --> 0:37:37.479
<v Speaker 3>for real?

0:37:38.040 --> 0:37:38.279
<v Speaker 2>No?

0:37:38.640 --> 0:37:40.240
<v Speaker 3>Yes, no, Oh my god, I'm streussed.

0:37:40.560 --> 0:37:42.239
<v Speaker 1>I'm surprised because I feel like I've aays been talking

0:37:42.239 --> 0:37:46.360
<v Speaker 1>about it. So clubhouse is like this new app that

0:37:47.239 --> 0:37:50.400
<v Speaker 1>it's enough new social app, yay, but it's different in

0:37:50.440 --> 0:37:51.720
<v Speaker 1>that it's completely audio.

0:37:51.800 --> 0:37:53.239
<v Speaker 2>So what happens with the clubhouse? It took me how

0:37:53.280 --> 0:37:54.279
<v Speaker 2>to figure out how to use it.

0:37:54.320 --> 0:37:56.560
<v Speaker 1>So what happens is and you let me know magic

0:37:56.600 --> 0:37:58.239
<v Speaker 1>because I've got like some invitation. If you want me

0:37:58.239 --> 0:38:00.960
<v Speaker 1>to invite you to clubhouse, okay, that you have to

0:38:01.040 --> 0:38:04.640
<v Speaker 1>have an Apple like either like an iPhone or iPad.

0:38:04.719 --> 0:38:06.440
<v Speaker 1>You know me, I'm Android all the way as far

0:38:06.480 --> 0:38:09.080
<v Speaker 1>as my like my computer is a Mac, but my phone.

0:38:09.200 --> 0:38:10.800
<v Speaker 1>So I was like, guess I won't join because you

0:38:10.800 --> 0:38:12.800
<v Speaker 1>can't do it on your computer. But then I want

0:38:12.840 --> 0:38:14.840
<v Speaker 1>an iPad and if you know cheapy me, I was like,

0:38:14.880 --> 0:38:16.799
<v Speaker 1>that's the only reason why I joined. But you have

0:38:16.840 --> 0:38:18.879
<v Speaker 1>to be invited by like a friend that's already in there,

0:38:18.880 --> 0:38:22.160
<v Speaker 1>which is not hard to find someone that's already in there.

0:38:22.200 --> 0:38:25.160
<v Speaker 1>And then what happens is there's like you can host

0:38:25.200 --> 0:38:26.960
<v Speaker 1>a room. You could literally I can click right now

0:38:27.000 --> 0:38:29.080
<v Speaker 1>start a room, and then I could I could start

0:38:29.120 --> 0:38:31.560
<v Speaker 1>teaching a lesson. So people can't see you, but they

0:38:31.600 --> 0:38:33.879
<v Speaker 1>can hear you, and sometimes most people join host.

0:38:33.920 --> 0:38:36.960
<v Speaker 2>So like you and I might both talk about like.

0:38:37.000 --> 0:38:39.359
<v Speaker 1>Hey Manjoe, let's po let's do a brod ambition room

0:38:39.360 --> 0:38:41.520
<v Speaker 1>where we talk about like you know how you know

0:38:41.640 --> 0:38:44.360
<v Speaker 1>how to launch a podcast, and then we'll talk and

0:38:44.400 --> 0:38:46.640
<v Speaker 1>then you can invite people on stage with you, kind

0:38:46.640 --> 0:38:48.360
<v Speaker 1>of like so you and I could be talking and

0:38:48.400 --> 0:38:50.160
<v Speaker 1>someone might raise their hand because there's like a button

0:38:50.160 --> 0:38:51.920
<v Speaker 1>you can click to raise your hand, and we might

0:38:51.960 --> 0:38:53.640
<v Speaker 1>pull someone on stage and then they can talk and

0:38:53.719 --> 0:38:55.400
<v Speaker 1>chair and then they go back into the audience.

0:38:55.800 --> 0:38:56.440
<v Speaker 2>I'm not gonna lie.

0:38:56.440 --> 0:38:59.040
<v Speaker 1>At first, I was kind of like, I like, I

0:38:59.160 --> 0:39:02.279
<v Speaker 1>don't like because it was weird to me.

0:39:02.400 --> 0:39:03.560
<v Speaker 2>I was like, I don't care.

0:39:03.600 --> 0:39:04.600
<v Speaker 3>So is it social media.

0:39:05.440 --> 0:39:08.480
<v Speaker 1>It is social media, which I was like another social

0:39:08.520 --> 0:39:11.120
<v Speaker 1>media thing. And so a friend of mine hosted like

0:39:11.160 --> 0:39:14.120
<v Speaker 1>a welcome party for me, which is not really welcome party,

0:39:14.280 --> 0:39:16.640
<v Speaker 1>just basically a room to say welcome Tiffany the budgetist

0:39:16.680 --> 0:39:17.280
<v Speaker 1>to the clubhouse.

0:39:17.760 --> 0:39:20.000
<v Speaker 2>And so people kind of gave me like their best practices.

0:39:20.320 --> 0:39:22.879
<v Speaker 1>So what I do like is that, for example, it's

0:39:22.920 --> 0:39:27.320
<v Speaker 1>a really great I guess, especially with everyone being home now,

0:39:27.719 --> 0:39:29.959
<v Speaker 1>especially if you're kind of by yourself, it's great because

0:39:29.960 --> 0:39:33.319
<v Speaker 1>you can actually hear human voices, like real people. And

0:39:33.560 --> 0:39:35.279
<v Speaker 1>so some of the rooms have been great. I think

0:39:35.280 --> 0:39:36.640
<v Speaker 1>I didn't like at first because some of the rooms

0:39:36.680 --> 0:39:37.839
<v Speaker 1>I'm like, I don't get it, like what are they

0:39:37.840 --> 0:39:40.319
<v Speaker 1>talking about? But there'd be interesting rooms, like today I

0:39:40.360 --> 0:39:42.760
<v Speaker 1>was in a room about, like, you know, a marketing

0:39:42.760 --> 0:39:44.520
<v Speaker 1>and I love marketing, so I was like listening to

0:39:45.080 --> 0:39:48.520
<v Speaker 1>successful people who were successful at marketing talk about marketing.

0:39:48.800 --> 0:39:50.680
<v Speaker 1>Or sometimes you have an interesting room where they're playing

0:39:50.760 --> 0:39:53.839
<v Speaker 1>like charades or whatever, like games and they're like, oh,

0:39:53.840 --> 0:39:56.640
<v Speaker 1>this is fun. Or like there was a room where

0:39:56.680 --> 0:40:00.120
<v Speaker 1>they were like music folks like Jermaine Duprie and like

0:40:00.440 --> 0:40:03.320
<v Speaker 1>some other like musicians and things they were talking about

0:40:03.600 --> 0:40:05.920
<v Speaker 1>he was actually hosting a room called the DJ and

0:40:05.960 --> 0:40:08.160
<v Speaker 1>how important the DJ is to music. So if I

0:40:08.239 --> 0:40:10.520
<v Speaker 1>was a young DJ, i'd be like really excited to

0:40:10.560 --> 0:40:12.640
<v Speaker 1>be in a room with like a Jermaine Dupree and

0:40:12.680 --> 0:40:15.520
<v Speaker 1>some other like you know, famous DJ. So it's like

0:40:15.680 --> 0:40:18.960
<v Speaker 1>very democratizing, which I kind of like. Because like there

0:40:19.000 --> 0:40:21.959
<v Speaker 1>was run room that they did a couple of weeks

0:40:21.960 --> 0:40:25.040
<v Speaker 1>ago called Kevin Hart is not Funny and Kevin Hart

0:40:25.120 --> 0:40:29.920
<v Speaker 1>joined the room. Yeah word yes, and he was like

0:40:29.960 --> 0:40:31.920
<v Speaker 1>oh and they let him talk and he basically he

0:40:32.040 --> 0:40:32.760
<v Speaker 1>was like, yeah.

0:40:32.640 --> 0:40:35.200
<v Speaker 2>Black women never support black men whatever he said.

0:40:35.280 --> 0:40:37.799
<v Speaker 3>But I mean, but you can hear his voice. This

0:40:37.880 --> 0:40:40.959
<v Speaker 3>sounds interesting and also kind of creepy. As a child

0:40:41.040 --> 0:40:43.880
<v Speaker 3>who you know, was in you know, when the Internet

0:40:43.920 --> 0:40:45.560
<v Speaker 3>became a thing when I was like twelve, it was

0:40:45.600 --> 0:40:47.480
<v Speaker 3>like ooh m a Sun chat rooms, and it was

0:40:48.440 --> 0:40:50.239
<v Speaker 3>that's what vibe I'm getting.

0:40:50.520 --> 0:40:52.640
<v Speaker 1>It's very it's a it's a chat room, but like

0:40:52.680 --> 0:40:54.000
<v Speaker 1>to actually connect and here.

0:40:53.920 --> 0:40:55.960
<v Speaker 3>No one's going to be like ASO okay, good.

0:40:56.280 --> 0:40:58.400
<v Speaker 2>Yeah. So well like some of the rooms, you're just

0:40:58.440 --> 0:41:00.560
<v Speaker 2>like this is weird. But you could che whatever room

0:41:00.600 --> 0:41:01.680
<v Speaker 2>you can, so you can kind of poke.

0:41:01.520 --> 0:41:03.279
<v Speaker 1>Your head and so sometimes I like listen and I'm like,

0:41:03.760 --> 0:41:05.719
<v Speaker 1>I would say, at least once a day, I'll look

0:41:05.760 --> 0:41:08.640
<v Speaker 1>to see if there's anything like interesting that I wanted

0:41:08.640 --> 0:41:10.800
<v Speaker 1>to learn about, like sometimes they had a room like

0:41:10.800 --> 0:41:13.280
<v Speaker 1>how to take your business from six figures to seven figures,

0:41:13.800 --> 0:41:16.319
<v Speaker 1>you know. So so yeah, so I would say that

0:41:16.440 --> 0:41:19.440
<v Speaker 1>it's it's interesting. I will send you an invite so

0:41:19.520 --> 0:41:22.080
<v Speaker 1>you can join and you'll see if you like it.

0:41:22.120 --> 0:41:24.040
<v Speaker 1>But I will say, like, you definitely want to because

0:41:24.040 --> 0:41:26.080
<v Speaker 1>there's so many notifications. I'm glad because I don't want

0:41:26.120 --> 0:41:28.600
<v Speaker 1>to use my iPad because I'm like, I don't even

0:41:28.640 --> 0:41:29.080
<v Speaker 1>know how to use it.

0:41:29.080 --> 0:41:30.640
<v Speaker 2>That well, I'm not gonna lie since I just got it.

0:41:30.640 --> 0:41:32.520
<v Speaker 1>But so the good thing is is that I'm actually

0:41:32.520 --> 0:41:34.640
<v Speaker 1>happy that it's on my iPad because I don't use it,

0:41:34.760 --> 0:41:36.719
<v Speaker 1>so I have to, like the only time I use

0:41:36.760 --> 0:41:37.640
<v Speaker 1>it is for clubhouse.

0:41:37.640 --> 0:41:40.040
<v Speaker 2>So I would say maybe once or twice.

0:41:39.800 --> 0:41:44.920
<v Speaker 3>A day, so like, I'm definitely my interest is piqued.

0:41:44.960 --> 0:41:47.440
<v Speaker 3>I don't know how. I don't know about this, but yeah,

0:41:48.480 --> 0:41:49.000
<v Speaker 3>I will.

0:41:48.840 --> 0:41:49.560
<v Speaker 2>Send you an invite.

0:41:49.560 --> 0:41:51.520
<v Speaker 1>You know. I'm glad, yeah, because I think that you know,

0:41:51.600 --> 0:41:53.680
<v Speaker 1>like I said, I think it like I said it

0:41:54.160 --> 0:41:56.279
<v Speaker 1>might be fun to host a room, or like I said,

0:41:56.360 --> 0:41:59.439
<v Speaker 1>just to go in and listen to like interesting conversations.

0:41:59.480 --> 0:42:02.400
<v Speaker 1>And yeah, I have to say because my sister, I

0:42:02.480 --> 0:42:05.080
<v Speaker 1>gave her an invite. The sister you guys love the

0:42:05.360 --> 0:42:08.200
<v Speaker 1>investing sister, and she's joined a bunch of investing rooms

0:42:08.200 --> 0:42:10.040
<v Speaker 1>and she's like they've been really interesting and she's learned

0:42:10.080 --> 0:42:10.680
<v Speaker 1>a lot of stuff.

0:42:10.719 --> 0:42:12.560
<v Speaker 2>So you know, if you can here's the thing that's

0:42:12.600 --> 0:42:13.000
<v Speaker 2>so crazy.

0:42:13.000 --> 0:42:14.520
<v Speaker 1>You can like wake up three o'clock in the morning

0:42:14.560 --> 0:42:18.280
<v Speaker 1>and there're people like with rooms like discussing whatever.

0:42:18.320 --> 0:42:20.120
<v Speaker 2>Because you know, people live all over the world, so.

0:42:20.960 --> 0:42:22.640
<v Speaker 3>And you can't tell me it's just voices.

0:42:22.920 --> 0:42:24.560
<v Speaker 1>Yeah, that's why I think people like it. So you

0:42:24.560 --> 0:42:26.640
<v Speaker 1>don't have to get cute literally just voices.

0:42:26.760 --> 0:42:28.920
<v Speaker 3>Can you just chime them with you just add to

0:42:29.000 --> 0:42:29.680
<v Speaker 3>the conversation.

0:42:30.520 --> 0:42:32.400
<v Speaker 1>So what happens is is that like if you and

0:42:32.440 --> 0:42:34.200
<v Speaker 1>I were to say, like click literally there's like a

0:42:34.200 --> 0:42:36.040
<v Speaker 1>green button, I might say, maybe let's start a room.

0:42:36.080 --> 0:42:37.040
<v Speaker 2>So let's start a room.

0:42:37.120 --> 0:42:39.239
<v Speaker 1>You and I are in there, people would come in

0:42:39.280 --> 0:42:42.160
<v Speaker 1>and they're they're at first, they're in the audience. We

0:42:42.200 --> 0:42:45.320
<v Speaker 1>can either click someone and say I'm inviting you to speak,

0:42:45.800 --> 0:42:47.839
<v Speaker 1>or they can click a hand button.

0:42:47.680 --> 0:42:50.200
<v Speaker 2>Where it's basically raises their hands and then we can say.

0:42:50.160 --> 0:42:54.040
<v Speaker 3>It's so IG video thing like an IG live.

0:42:54.200 --> 0:42:56.719
<v Speaker 1>Yeah, yeah, without the without the video. So that way

0:42:56.719 --> 0:42:59.080
<v Speaker 1>you don't have to you don't have to be cute.

0:42:59.160 --> 0:43:00.960
<v Speaker 1>But so you don't like if we don't want anyone

0:43:00.960 --> 0:43:02.880
<v Speaker 1>to speak, but you and I that you don't have

0:43:02.920 --> 0:43:04.839
<v Speaker 1>to invite anyone to speak, which is kind of nice too.

0:43:04.840 --> 0:43:07.040
<v Speaker 1>So it's not like you're but you know, you might

0:43:07.239 --> 0:43:09.480
<v Speaker 1>like you might want to take questions or like you

0:43:09.560 --> 0:43:11.239
<v Speaker 1>might want Like I was in a room the other

0:43:11.320 --> 0:43:12.799
<v Speaker 1>day it was like Abra Duverne. It was like I

0:43:12.800 --> 0:43:15.360
<v Speaker 1>think it was like black Hollywood producers or whatever, and

0:43:15.360 --> 0:43:17.480
<v Speaker 1>it was a bunch of amazing people and if the

0:43:17.480 --> 0:43:20.440
<v Speaker 1>conversation was interesting, but it didn't really resonate with what

0:43:20.680 --> 0:43:23.440
<v Speaker 1>I was working on or anything. Some people are like,

0:43:23.440 --> 0:43:25.000
<v Speaker 1>oh my god, I'm in here all.

0:43:24.880 --> 0:43:28.240
<v Speaker 3>Day, and I'm like, ah, okay, it's.

0:43:28.080 --> 0:43:32.160
<v Speaker 1>Definitely interesting, but I don't. I have not been I

0:43:32.200 --> 0:43:34.080
<v Speaker 1>have not felt the need to be in there all day.

0:43:34.120 --> 0:43:35.759
<v Speaker 1>But I think that you, like I said, you would

0:43:35.840 --> 0:43:38.360
<v Speaker 1>enjoy it, and so I will send you an invite

0:43:38.400 --> 0:43:39.319
<v Speaker 1>to clubhouse.

0:43:39.520 --> 0:43:40.719
<v Speaker 3>Let me in the clubhouse.

0:43:40.920 --> 0:43:43.880
<v Speaker 1>I know that it's really new. Like I said, I

0:43:43.920 --> 0:43:45.880
<v Speaker 1>think it came out in May of this year, so

0:43:45.920 --> 0:43:47.799
<v Speaker 1>like May or March this year, so it's super super new.

0:43:47.840 --> 0:43:48.920
<v Speaker 1>So that's probably I didn't hear.

0:43:49.080 --> 0:43:50.600
<v Speaker 3>Well, my mom hasn't told me about it, so I

0:43:50.600 --> 0:43:59.560
<v Speaker 3>know it's still cool. I'm gonna do a boost. I

0:43:59.640 --> 0:44:03.439
<v Speaker 3>read this headline on CNN that says that black millennials

0:44:03.600 --> 0:44:06.880
<v Speaker 3>have been driving a twenty twenty home buyer surge among

0:44:06.920 --> 0:44:10.480
<v Speaker 3>Black Americans. So shout out to black millennials and the

0:44:10.520 --> 0:44:13.600
<v Speaker 3>emphasis on black home ownership, like I think on this show,

0:44:14.000 --> 0:44:16.400
<v Speaker 3>obviously Tiffany and I have gone through home purchases and

0:44:16.440 --> 0:44:18.680
<v Speaker 3>all that stuff, but we talk about the power of

0:44:18.800 --> 0:44:22.880
<v Speaker 3>owning and how I mean, how do I go You

0:44:22.920 --> 0:44:26.719
<v Speaker 3>can't really go into the history of how Black Americans

0:44:26.719 --> 0:44:29.959
<v Speaker 3>have been held back from wealth generation in the form

0:44:30.000 --> 0:44:33.959
<v Speaker 3>of property. So to see the an increase in black

0:44:34.000 --> 0:44:37.240
<v Speaker 3>home ownership is really great. And according to this article

0:44:38.600 --> 0:44:41.839
<v Speaker 3>some stats for you, three percent rise in black home

0:44:41.880 --> 0:44:46.239
<v Speaker 3>ownership in twenty nineteen, and this came in despite of

0:44:46.280 --> 0:44:50.400
<v Speaker 3>the pandemic fueled economic upheaval for all Americans, but especially

0:44:50.480 --> 0:44:53.440
<v Speaker 3>black Americans. So three percent is not nothing, and it's

0:44:53.480 --> 0:44:57.959
<v Speaker 3>better than years past. And also just to like point out,

0:44:58.040 --> 0:45:01.279
<v Speaker 3>you know, black home buyers were still it's it's it's

0:45:01.320 --> 0:45:03.560
<v Speaker 3>great to see some gains, but we're still a very

0:45:03.880 --> 0:45:07.560
<v Speaker 3>small percentage of all home buyers. So only five percent

0:45:07.560 --> 0:45:09.799
<v Speaker 3>of Americans who bought homes in the first part of

0:45:09.800 --> 0:45:16.240
<v Speaker 3>twenty twenty were black. But the the three percent increase

0:45:16.239 --> 0:45:19.200
<v Speaker 3>in black homeowners has really been driven by Black millennials.

0:45:19.200 --> 0:45:22.880
<v Speaker 3>So shout out to us black millennials and this, this

0:45:23.000 --> 0:45:26.080
<v Speaker 3>gives me, This gives me hope because you know, I

0:45:26.840 --> 0:45:30.560
<v Speaker 3>feel like, of course, home ownership it's traditional. Not everyone

0:45:30.600 --> 0:45:32.799
<v Speaker 3>needs a house. You don't need a house as part

0:45:32.840 --> 0:45:36.160
<v Speaker 3>of your you know, wealth building journey, but it's so meaningful,

0:45:36.239 --> 0:45:38.360
<v Speaker 3>and you know, I think about my little brother and

0:45:38.400 --> 0:45:41.480
<v Speaker 3>I remember earlier this year he was like, I don't know,

0:45:41.520 --> 0:45:43.120
<v Speaker 3>I just feel like if I buy a house, like

0:45:43.640 --> 0:45:45.840
<v Speaker 3>what's the point? And I would talk to him about,

0:45:45.920 --> 0:45:49.480
<v Speaker 3>you know, generational wealth and as a black, single, black

0:45:49.640 --> 0:45:52.759
<v Speaker 3>man in his twenties, what that what that says for

0:45:52.840 --> 0:45:55.640
<v Speaker 3>him to own property and like how you know our

0:45:55.719 --> 0:45:58.880
<v Speaker 3>ancestors never could have dreamed of that. And he is

0:45:58.920 --> 0:46:01.960
<v Speaker 3>on his he's almost he's buying a house in the

0:46:01.960 --> 0:46:05.600
<v Speaker 3>Atlanta area. He's on the hunt right now, and he

0:46:05.640 --> 0:46:08.480
<v Speaker 3>already owns a condo. And yeah, I'm really proud. I'm

0:46:08.520 --> 0:46:12.600
<v Speaker 3>proud of him, and I'm happy to see this. And

0:46:13.120 --> 0:46:15.800
<v Speaker 3>I certainly feel like, based on the questions we're getting

0:46:15.800 --> 0:46:18.960
<v Speaker 3>from our listeners, a lot more people like black millennials are,

0:46:19.160 --> 0:46:21.960
<v Speaker 3>you know, in the home buying market. And it's so

0:46:22.320 --> 0:46:25.000
<v Speaker 3>it's good. It's good to see us there and let's

0:46:25.040 --> 0:46:26.160
<v Speaker 3>continue it. For sure.

0:46:26.960 --> 0:46:29.520
<v Speaker 1>Yes, I do like I honestly I love that because

0:46:29.520 --> 0:46:31.359
<v Speaker 1>even in this neighborhood, I was a little nervous because

0:46:31.480 --> 0:46:35.200
<v Speaker 1>where I live in Newark, is it's like one I.

0:46:35.160 --> 0:46:36.279
<v Speaker 2>Would say, probably. Yeah.

0:46:36.280 --> 0:46:38.600
<v Speaker 1>The houses are probably the most expensive of this neighborhood.

0:46:38.600 --> 0:46:41.960
<v Speaker 1>It's called the Forest Hill Sections, just really beautiful historic homes.

0:46:42.000 --> 0:46:45.239
<v Speaker 1>And a number of years ago the New York Times

0:46:45.280 --> 0:46:48.840
<v Speaker 1>had did an article about like the hidden Gym in Newark,

0:46:48.920 --> 0:46:52.000
<v Speaker 1>and it was filled with like older folks, and so

0:46:52.120 --> 0:46:53.880
<v Speaker 1>many of them are moving out because the houses. Some

0:46:53.960 --> 0:46:56.560
<v Speaker 1>of these houses are huge because they're built in nineteen ten.

0:46:56.600 --> 0:46:59.360
<v Speaker 1>They have like seven bedrooms, and you know, some of

0:46:59.360 --> 0:47:02.239
<v Speaker 1>these folks are like why why am I, you know,

0:47:02.400 --> 0:47:04.560
<v Speaker 1>living in this huge house, and so they're selling. And

0:47:04.600 --> 0:47:06.600
<v Speaker 1>what I love is that I'm seeing a lot of

0:47:06.640 --> 0:47:09.280
<v Speaker 1>black and brown families by because that was my biggest

0:47:09.280 --> 0:47:12.200
<v Speaker 1>worries that they were going to sell and the neighborhood

0:47:12.239 --> 0:47:15.279
<v Speaker 1>was going to totally gentrify, you know, and I'm not

0:47:15.360 --> 0:47:18.560
<v Speaker 1>seeing that, honestly, Like I would say, you know, more

0:47:18.600 --> 0:47:20.719
<v Speaker 1>than half, if not sixty to seventy percent that I've

0:47:20.760 --> 0:47:23.040
<v Speaker 1>seen when they're when they have sold, I'm like, I

0:47:23.080 --> 0:47:24.400
<v Speaker 1>look to see, like who comes out.

0:47:24.280 --> 0:47:27.440
<v Speaker 2>I'm like, yeah, a brown face, yes, you know.

0:47:28.560 --> 0:47:31.720
<v Speaker 1>So it's nice because Newark, honestly, during all the social

0:47:31.800 --> 0:47:35.240
<v Speaker 1>people has been like a racial safe haven for myself

0:47:35.239 --> 0:47:37.359
<v Speaker 1>and my family because I don't, you know, aside from

0:47:37.480 --> 0:47:39.200
<v Speaker 1>you know, dude across the street, but he's moving.

0:47:39.280 --> 0:47:44.480
<v Speaker 3>Hey Keith bye, Keith, Yeah, y Kith crazy Keith.

0:47:45.719 --> 0:47:48.720
<v Speaker 2>So so yeah. So I think that that's awesome.

0:47:48.719 --> 0:47:50.120
<v Speaker 1>And I just love the fact that, you know, we

0:47:50.160 --> 0:47:54.160
<v Speaker 1>are we are participating in foundational wealth.

0:47:54.520 --> 0:47:57.440
<v Speaker 3>Yes, I love our neighborhood so much. It's been majority

0:47:57.480 --> 0:48:00.920
<v Speaker 3>black since it was founded in the early nineteen hundreds

0:48:00.960 --> 0:48:05.160
<v Speaker 3>and we're actually I've seen a different side in twenty twenty.

0:48:05.160 --> 0:48:06.960
<v Speaker 3>I feel like it's brought all of the neighbors together,

0:48:07.080 --> 0:48:09.240
<v Speaker 3>Like we had a there was a Halloween block party

0:48:09.640 --> 0:48:12.280
<v Speaker 3>social distance and it was really cute around the Halloween.

0:48:12.280 --> 0:48:15.120
<v Speaker 3>And then I just made a flyer for our community

0:48:15.120 --> 0:48:17.520
<v Speaker 3>tree lighting. We're gonna do a tree lighting in our neighborhood.

0:48:17.560 --> 0:48:19.520
<v Speaker 3>And this isn't like we don't pay dues, we don't

0:48:19.520 --> 0:48:22.680
<v Speaker 3>have like a homeowner association. It's just people in the

0:48:22.719 --> 0:48:27.200
<v Speaker 3>neighborhood getting together, figuring out zoom and just being good

0:48:27.280 --> 0:48:30.759
<v Speaker 3>to your neighbors. So it's I love it. I this

0:48:31.280 --> 0:48:33.200
<v Speaker 3>is a dream for me, and I'm so happy that

0:48:33.239 --> 0:48:36.040
<v Speaker 3>we found this little, this little gem of a neighborhood.

0:48:36.040 --> 0:48:38.399
<v Speaker 3>And I love that. And it's something that a lot

0:48:38.400 --> 0:48:40.120
<v Speaker 3>of like if you're in a neighborhood. I mean, it

0:48:40.200 --> 0:48:44.359
<v Speaker 3>just feels obviously we're all isolated. But I've seen I've

0:48:44.400 --> 0:48:47.120
<v Speaker 3>seen how it brings people together in a corny and

0:48:47.239 --> 0:48:49.759
<v Speaker 3>lovely way. I love cheeses. I just love it. Come on,

0:48:49.840 --> 0:48:52.680
<v Speaker 3>it's the holidays. So even if it's not like and

0:48:52.760 --> 0:48:54.480
<v Speaker 3>you can just buy a tree for fifty bucks and

0:48:54.520 --> 0:48:56.920
<v Speaker 3>make a little neighborhood tree lighting for yourselves. I don't know,

0:48:56.960 --> 0:48:59.479
<v Speaker 3>but you know, just taking cookies to a neighbor, trying

0:48:59.480 --> 0:49:01.440
<v Speaker 3>to think of some things small you can do for

0:49:01.480 --> 0:49:04.680
<v Speaker 3>your community. You don't know who's out there feeling lonely

0:49:04.800 --> 0:49:08.799
<v Speaker 3>or falling on hard times, and it's I'm fortunate that

0:49:08.840 --> 0:49:11.000
<v Speaker 3>we live in a neighborhood that seems to be, you know,

0:49:11.040 --> 0:49:13.680
<v Speaker 3>looking out for one another, and we all need that.

0:49:13.800 --> 0:49:17.279
<v Speaker 3>So I hope that you know it's not just here,

0:49:17.320 --> 0:49:20.160
<v Speaker 3>and that y'all can find small ways to give back

0:49:20.239 --> 0:49:23.480
<v Speaker 3>and spread cheer, you know, wherever you are in your communities.

0:49:24.280 --> 0:49:26.279
<v Speaker 1>I grew up in one like a very like neighborhoody

0:49:26.320 --> 0:49:28.319
<v Speaker 1>neighborhood when I was like, I would say, like you know,

0:49:28.480 --> 0:49:31.759
<v Speaker 1>zero to nine or ten, and so I remember like,

0:49:31.800 --> 0:49:34.080
<v Speaker 1>you know, riding bikes and like literally like it was

0:49:34.120 --> 0:49:36.560
<v Speaker 1>like I called it like a kid neighborhood where almost

0:49:36.560 --> 0:49:39.360
<v Speaker 1>every house had a kid, and you know, all the

0:49:39.520 --> 0:49:41.000
<v Speaker 1>parents were like, oh, you.

0:49:40.920 --> 0:49:42.759
<v Speaker 2>Know, yeah, I fed your kid dinner tonight. It was

0:49:42.920 --> 0:49:43.880
<v Speaker 2>very leave it to beaver.

0:49:44.239 --> 0:49:46.680
<v Speaker 1>And I didn't realize until we moved how special that was,

0:49:46.800 --> 0:49:49.719
<v Speaker 1>you know, So having that is really awesome because my

0:49:49.719 --> 0:49:51.640
<v Speaker 1>parents felt like, you know, I mean, of course you

0:49:51.640 --> 0:49:53.080
<v Speaker 1>always keep an eye out, but it was like it

0:49:53.080 --> 0:49:56.560
<v Speaker 1>felt relatively safe, like it just it allowed me to

0:49:56.600 --> 0:49:57.960
<v Speaker 1>be a kid, Like as long as I stay on

0:49:58.000 --> 0:50:00.319
<v Speaker 1>this block, I could ride my bike freely. I knew

0:50:00.360 --> 0:50:03.120
<v Speaker 1>Danielle's house had the best ribs. I knew a dairy's house.

0:50:03.960 --> 0:50:06.799
<v Speaker 3>I'm like, you know.

0:50:08.640 --> 0:50:09.120
<v Speaker 2>Exactly.

0:50:09.360 --> 0:50:12.480
<v Speaker 1>Like she was the only child, so she had like

0:50:12.560 --> 0:50:14.120
<v Speaker 1>the Barbie dream house. I was like, oh, let me

0:50:14.160 --> 0:50:15.560
<v Speaker 1>suck up to Danielle tecause I want to play with

0:50:15.560 --> 0:50:17.440
<v Speaker 1>the Barbie d your house. There are Darry's house. They

0:50:17.480 --> 0:50:21.360
<v Speaker 1>would always have seafood. I never had like actual crabs before.

0:50:21.719 --> 0:50:23.800
<v Speaker 1>I was like, you guys are having grabs. I'm playing

0:50:23.800 --> 0:50:27.359
<v Speaker 1>with her today. So so it just was really just

0:50:27.400 --> 0:50:29.399
<v Speaker 1>like having that kind of close to the neighborhood. It's

0:50:29.520 --> 0:50:32.720
<v Speaker 1>just it's a blessing, honestly, and so like, I'm happy

0:50:32.719 --> 0:50:33.239
<v Speaker 1>that you have that.

0:50:33.360 --> 0:50:37.840
<v Speaker 3>So well I'm feeling. All I think was she and

0:50:37.960 --> 0:50:40.920
<v Speaker 3>love you because of the holidays, so spread some holidays cheer.

0:50:41.200 --> 0:50:44.040
<v Speaker 3>I mean, times is dark, but they're getting brighter, they

0:50:44.080 --> 0:50:48.880
<v Speaker 3>really are, are they are? Yes, Well, shall we call

0:50:48.920 --> 0:50:49.359
<v Speaker 3>it a show?

0:50:50.520 --> 0:50:51.760
<v Speaker 2>I think that we should.

0:50:52.000 --> 0:50:54.319
<v Speaker 1>And you know, well before we close, let me I'm

0:50:54.320 --> 0:50:56.319
<v Speaker 1>going to give you my Instagram of the day. So

0:50:56.400 --> 0:50:59.320
<v Speaker 1>there is a funny this is guy. He's super Philly

0:50:59.320 --> 0:51:02.759
<v Speaker 1>if you're from Philly. His name is Vision Poet, that's

0:51:02.800 --> 0:51:06.400
<v Speaker 1>his ig. And he does these like he tells stories

0:51:06.440 --> 0:51:09.319
<v Speaker 1>of like his youth like not youth like yeah, youth

0:51:09.360 --> 0:51:10.400
<v Speaker 1>like when he was like in high.

0:51:10.200 --> 0:51:12.040
<v Speaker 2>School and college. He tells them.

0:51:12.160 --> 0:51:13.360
<v Speaker 1>So he used to be a poet, so he's a

0:51:13.360 --> 0:51:15.680
<v Speaker 1>really good storyteller. But he's still a poet. But anyway,

0:51:15.719 --> 0:51:17.960
<v Speaker 1>he's a really good storyteller. And then he he has

0:51:18.280 --> 0:51:23.480
<v Speaker 1>animated them and they are so hilarious. You're just like, yo,

0:51:23.520 --> 0:51:28.319
<v Speaker 1>this guy is a mess. So I encourage you Vision Poet. Yeah,

0:51:28.400 --> 0:51:30.759
<v Speaker 1>because you know, I like, somebody hit me the other

0:51:30.840 --> 0:51:33.080
<v Speaker 1>day they tagged me and Neil Kattel, Remember I told

0:51:33.120 --> 0:51:35.480
<v Speaker 1>you like I like to watch his daily wrap up

0:51:35.480 --> 0:51:38.040
<v Speaker 1>of like the election post election news. Yeah, and because

0:51:38.040 --> 0:51:39.920
<v Speaker 1>he's a so everyone's been telling me. They've been like

0:51:39.920 --> 0:51:41.399
<v Speaker 1>tagging me and let me know, like I'm here because

0:51:41.440 --> 0:51:42.839
<v Speaker 1>of you. Budget he said, this is so good.

0:51:42.840 --> 0:51:43.279
<v Speaker 2>You're right.

0:51:43.600 --> 0:51:46.800
<v Speaker 1>So if you just need like a little reprieve, Vision

0:51:46.840 --> 0:51:49.640
<v Speaker 1>Poet has just like I said, these really funny, irreverent

0:51:50.000 --> 0:51:53.480
<v Speaker 1>kind of stories of like you know, of like, especially

0:51:53.480 --> 0:51:55.480
<v Speaker 1>because I'm forty and he's around that Saint Machel. When

0:51:55.480 --> 0:51:59.120
<v Speaker 1>he tells like back when Diddy was bumping in the club,

0:51:59.160 --> 0:52:02.279
<v Speaker 1>You're like, I remember that, and like, especially if you're

0:52:02.320 --> 0:52:04.319
<v Speaker 1>from the East Coast. It's just you know, it's like

0:52:04.320 --> 0:52:05.960
<v Speaker 1>I said, it's a nice little reprieve and he's a

0:52:06.040 --> 0:52:07.560
<v Speaker 1>he's an account that I enjoy.

0:52:10.320 --> 0:52:14.400
<v Speaker 3>That's it. Thank you for the IRG recommendation. You've not

0:52:14.520 --> 0:52:18.120
<v Speaker 3>failed us yet. All right, to take care and want

0:52:18.160 --> 0:52:22.360
<v Speaker 3>pics of your tensil fide Christmas side house please. I

0:52:22.400 --> 0:52:25.400
<v Speaker 3>need to see it, all right. And I'm waiting for

0:52:25.440 --> 0:52:26.440
<v Speaker 3>my clubhouse invite.

0:52:26.480 --> 0:52:28.479
<v Speaker 2>Okay, yes, well I'm gonna do right now.