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Speaker 3: we're back, We're black, We're ambitionous. Hey man, Hey, happy December.
Speaker 1: I know, even though because of global warming in the
Speaker 1: East Coast it does not feel like December.
Speaker 3: I mean it's getting there, but I'm good with it.
Speaker 3: This actually reminds me of Georgia. Just smidy and mild,
Speaker 3: and you know, cold enough for a nice sweater. Yeah,
Speaker 3: I appreciate it. I finally got all my decorating done outside,
Speaker 3: I feel I guess I feel better it just I
Speaker 3: think I've inherited this urge from my mother to just
Speaker 3: Christmas by everything. So I really did the most. I
Speaker 3: really really did shout out to target.
Speaker 1: I think works on the outside, but I will say
Speaker 1: my inside is nauseatingly Christmas.
Speaker 2: My sister was like, oh, I'll recond every door.
Speaker 1: Oh, I do this little dingle gully things on every door,
Speaker 1: knock downstairs, every single one, so much so that my
Speaker 1: nephew Rooman was like, Auntie, you forgot you.
Speaker 2: Forgot this one. I was like, oh, thanks, baby, here
Speaker 2: put that one on that one.
Speaker 3: Wait. So so when Superman comes in to interrupt you,
Speaker 3: we're gonna hear jingle.
Speaker 1: Yeah, okay, Well I'm on the second floor, so I
Speaker 1: didn't do the second floor, but just like that first
Speaker 1: floor is Christmas out because I feel like, especially since
Speaker 1: the kids come of all the time and Supergirl, it's
Speaker 1: the kind of thing you remember, even though she always
Speaker 1: makes fun of me.
Speaker 2: Like, wow, it's very Christmas sy in here.
Speaker 3: Oh lord, that's the opposite. Because I decided nothing on
Speaker 3: the inside because we can't have anything nice anymore. You've
Speaker 3: officially hit the we've officially. I mean, I am just
Speaker 3: I had all these I tried not to be so naive,
Speaker 3: but I did. I was like, you know, we're not
Speaker 3: gonna let our house be taken over by toys and
Speaker 3: kids stuff. And I'm still gonna keep my cute little
Speaker 3: you know, my interior design, keep my keep my couch nice,
Speaker 3: keep my pillows nice. I officially gave up, took everything
Speaker 3: off the bottom three shelves of all the bookcases, and
Speaker 3: nothing on the coffee table. And all I have inside
Speaker 3: is I do have the stockings because they're high enough
Speaker 3: to where you can't get at them the baby. And
Speaker 3: then I did the most on the outside. So that's funny.
Speaker 3: You're like an inside out version.
Speaker 2: I know, what's you go to?
Speaker 3: Holiday decors? Like shopping destination?
Speaker 1: I actually really liked. There was this place called where
Speaker 1: did I go? It was I don't remember the name
Speaker 1: of it, but like literally when you went in, Oh,
Speaker 1: what is that place called? There's this place in Jersey?
Speaker 1: But is it actually called the Christmas Tree? It might
Speaker 1: be called Chris Tree Shops. Yes, I think so that's
Speaker 1: a chain. It's like the Halloween store that pops us.
Speaker 3: But yes, I went to one of those two I
Speaker 3: did here in our area. I got some cute stuff
Speaker 3: because like because I'm due, I did the outside and
Speaker 3: they had these pre lit gifts, pre lit gifts like
Speaker 3: little you know, like for under the tree that I
Speaker 3: put outside in my front yard.
Speaker 2: Yes, you got this, yes, but.
Speaker 1: You put them inside, yes, And I don't like that
Speaker 1: I put them right next to the I know, honestly.
Speaker 3: You need to share pictures. I need to see what
Speaker 3: because I put them on the outside. But but they
Speaker 3: were like thirty bucks for a set of three there
Speaker 3: and on Target dot Com I'm not even kidding, they
Speaker 3: were over one hundred dollars for three boxes.
Speaker 1: I was like the who Yeah, no, I can't talk
Speaker 1: to them. Last year, I think. Thank Here's the thing.
Speaker 1: Last year I did the most dot com because you know,
Speaker 1: it was our first Christmas in the new house, and
Speaker 1: so there was just so much stuff that I didn't
Speaker 1: even get a chance to put out. And I was
Speaker 1: glad because I honestly didn't feel like going to the
Speaker 1: different shops and things, so it was nice to just
Speaker 1: have all my taxi stuff already in the hassa.
Speaker 3: Yeah, tacky, I love it.
Speaker 2: I am just me too. Jealous.
Speaker 3: I can't wait till next year. I mean, hopefully the
Speaker 3: baby is like, you know, not so grabby next year.
Speaker 3: Does that Does that get better? I don't know. Don't
Speaker 3: tell me, but it's uh, yeah. I did do some shopping.
Speaker 3: You're right. When I went to the Christmas tree shops
Speaker 3: in person, I just like had to escape the house
Speaker 3: and I had my mask on, but it felt uncomfortable.
Speaker 3: It was too many people in there, and I quickly
Speaker 3: got what I wanted and then I got out of there.
Speaker 3: But I also have heard and I've experienced there's like
Speaker 3: a shortage of Christmas stuff this year. You know, I
Speaker 3: don't think I waited till that last of a minute,
Speaker 3: Like I think I went shopping before Thanksgiving, and home
Speaker 3: goods didn't really have much target, Like a lot of
Speaker 3: stuff was bare. And I guess part of the issue
Speaker 3: is retailers didn't expect such a huge interest in holiday stuff,
Speaker 3: I guess, and they I don't know. There's been like
Speaker 3: delays and inventory and things like that. But on top
Speaker 3: of that, it seems like the opposite happened, and everybody
Speaker 3: decided to like go all out for Christmas and decorate
Speaker 3: really early this year. So if you're looking at might
Speaker 3: be slim pickens out there.
Speaker 2: Yeah, no, I think so, I think. I mean that's why.
Speaker 2: I honest, there's so many things.
Speaker 1: That like I got ahead of time, like even like
Speaker 1: my exercise equipment, and I got that for myself last
Speaker 1: year in December, and then when quarantine and stuff hit,
Speaker 1: I was like, oh my goodness, thank goodness I did.
Speaker 1: So the thing that it taught me was like not
Speaker 1: to wait on certain things. Not I mean, obviously you
Speaker 1: don't want to be tricking up all your money, but
Speaker 1: if there's something that you're really wanting and if it's
Speaker 1: within your budget, not to wait because there's no guarantee
Speaker 1: you'll have access later.
Speaker 2: So you know, yeah, that's right.
Speaker 3: You can't even get like weights anymore.
Speaker 2: Yeah.
Speaker 3: I had heard that, like exercise equipment is still in hot,
Speaker 3: in high demand.
Speaker 1: Because people are anticipating getting kind of like quarantined again.
Speaker 1: So I was just like, I'm just so glad because
Speaker 1: literally what I asked for for Christmas from everyone, I
Speaker 1: was like, can you give me exercise stuff?
Speaker 2: Like I yoga mad and I got weight.
Speaker 1: I got all these things, and I was just like
Speaker 1: people were like, you can't even get a treadmill. I
Speaker 1: just got a treadmill in December, so it was just
Speaker 1: I was just really fortunate and it just taught me.
Speaker 3: To be like Tippany got the good.
Speaker 2: Sit there looking at me, like girl, it does.
Speaker 3: I'm like what, and uh, whereabouts in the house do
Speaker 3: you keep this equipment? For anyone who's curious, I have it.
Speaker 2: In my cave. I was like, it's yours, but we
Speaker 2: just share it.
Speaker 3: You know, this is my zen den is in progress.
Speaker 3: I did a lot of cleanup and I am starting on.
Speaker 3: You know, I'm going to start really investing more time
Speaker 3: in making the zen den nice. And you know, husband's
Speaker 3: got his little zone, he's got his little area, but
Speaker 3: mama needs some space and I'm going to get it.
Speaker 3: It's going to be really nice. It's going to be
Speaker 3: like part office, part workout, part like read a book
Speaker 3: on a comfy chair, you know, escape from me.
Speaker 2: No, that sounds awesome.
Speaker 1: Honestly, I was proud of myself this past week because
Speaker 1: like off and on, like my shoulder has been like
Speaker 1: hurting because I just assume cause I've been just you know,
Speaker 1: you work more and I'm like, I'm right, I'm right
Speaker 1: hand and it's my right shoulder. So I gone to
Speaker 1: the doctor for which I was proud of myself. This
Speaker 1: is like some months back, and remember that time, like
Speaker 1: I got pulled everything.
Speaker 2: I was like, many everything it's pulled about back. But
Speaker 2: then when we were first oh, then I was like,
Speaker 2: oh my god, everything is gone.
Speaker 1: And then everything, like you know, within like a week
Speaker 1: or so, felt better and cleared up. But then this
Speaker 1: I just had this like shoulder like it just didn't
Speaker 1: feel right. And I was like, oh, maybe because I'm
Speaker 1: sleeping on my side too much. So I went to
Speaker 1: a physical therapy for like maybe just a few weeks
Speaker 1: and then I'm like I'm too busy for this. And
Speaker 1: then recently it really just started like hurting again. And
Speaker 1: then I was reading this book called Contagious I think
Speaker 1: I shared with you guys last week or no, maybe
Speaker 1: the Catalyst by Jonah Berger. Anyway, he said that people
Speaker 1: that sometimes it's actually worse to It was so weird,
Speaker 1: so I'm.
Speaker 2: Like, is this is this God talking?
Speaker 1: Because he said it sometimes it's actually worse to sprain
Speaker 1: your your your shoulder than it is or to sprain
Speaker 1: your arm than it is to break your arm.
Speaker 2: And I was like wait, cause.
Speaker 1: He was trying to explain how people don't change when
Speaker 1: something is mild. That like, when you sprain your arm,
Speaker 1: you're like, you're more likely to deal with it. You're like, oh,
Speaker 1: you know, the barrier to change. It's like, it's not
Speaker 1: that bad. I can live with it, it'll go away.
Speaker 1: But if you break your arm, it's you can't live
Speaker 1: with a broken arm. You go to the doctor, you
Speaker 1: get your treatment. And I just was thinking that to
Speaker 1: myself that oftentimes having a sprained arm actually has bigger
Speaker 1: and long lasting more and more of like a larger
Speaker 1: and long lasting effect than a broken arm. And I thought, wow,
Speaker 1: that is what I'm doing. I'm like, it's not so bad,
Speaker 1: it's just it hurts just a little, not all the time.
Speaker 1: So I made it my priority. I want to physical
Speaker 1: therapy because you could do walk in for up to
Speaker 1: a month with my insurance. You don't have to get
Speaker 1: like a doctor's like you know script. I was a
Speaker 1: physical therapy and she was like yes, she's like, honestly, Tiffany,
Speaker 1: it's just wear and tear. Basically, you sleep on your
Speaker 1: side for like the last you know, forty one years.
Speaker 1: And she's like, then, you know, you work a lot
Speaker 1: in a computer also too. I played tennis from second
Speaker 1: grade all throughout college, you know, and I'm right handed.
Speaker 2: So she was just like, it's wear and tear.
Speaker 1: But the thing is like, if you didn't come men,
Speaker 1: and you didn't kind of like retrain the other muscles
Speaker 1: around whatever, like the muscle in my shoulder that's been
Speaker 1: weakened or whatever, then it could be permanent damage. So
Speaker 1: I was just really glad that I want and I
Speaker 1: encourage you if you're like I need a sign.
Speaker 2: This is it.
Speaker 1: Like if there's that little niggling ache, that little like,
Speaker 1: well I can no go get a checked out, honestly
Speaker 1: because something that could be so mild at first that
Speaker 1: if you would have taken care of it. And like,
Speaker 1: because she said there's probably six weeks of six weeks
Speaker 1: of therapy three days a week, which is a big commitment,
Speaker 1: or you could just not use the arm in two years,
Speaker 1: I was like, you.
Speaker 2: Know what, I want to use my arm. I'll keep it.
Speaker 3: Thanks, I'll keep there no scrus. You're right, and I
Speaker 3: think a lot of well, first of all, I do
Speaker 3: feel like women, it's so much easier for us to
Speaker 3: put ourselves last when it comes to healthcare appointments. I mean,
Speaker 3: my son has been to the doctor, like I feels
Speaker 3: like one hundred million times this year, and I haven't
Speaker 3: been since I had him. I was like, well, I
Speaker 3: mean everything was fine when he was born, so I
Speaker 3: guess I'm still fine. I do, yeah, I need to
Speaker 3: do like a check up and stuff. And I think
Speaker 3: with like COVID times in the pandemic, it's also easier
Speaker 3: to put that stuff off because you say, well, it's
Speaker 3: not really safe to be out, but it's almost to
Speaker 3: this at this point. The virus is a risk, yes,
Speaker 3: but there's so many other ways to die, Like there's
Speaker 3: also still a lot of other things that could be wrong,
Speaker 3: so getting yourself checked out is important. So thanks for
Speaker 3: that reminder. TIF. I'm gonna I thought I did pretty
Speaker 3: good because I you know, got my prescription renewed for
Speaker 3: my glasses, so everyone's always where my glasses are from.
Speaker 3: I'm about to get some new one.
Speaker 1: Yeah, and I start my start my like coaching on
Speaker 1: on Friday, so I'm excited about that. I was like,
Speaker 1: you know, I feel like I want to lean into it.
Speaker 1: Like i feel like I'm in a new season of
Speaker 1: self care, you know, like.
Speaker 3: A new season of self care.
Speaker 1: Yeah, because I'm always like can I always tell myself like, well, Tiffany,
Speaker 1: you work on yourself a lot. I'm like, no, you
Speaker 1: work on your business, you know, woman, Tiffany, don't get
Speaker 1: it confused. And so I was like, this is true,
Speaker 1: Like am I really taking care of myself? Like I'm
Speaker 1: walking like more because I really enjoy walking, listening to
Speaker 1: like podcasts and books for the enjoyment of it, and
Speaker 1: so like I, you know, it's easy to pour into
Speaker 1: the budgetista, but I have not been pouring into Tiffany.
Speaker 1: And I'm just really like, I don't want to look
Speaker 1: up and be like, girl, you have not like you know,
Speaker 1: what do you do that you enjoy for you? And
Speaker 1: are you taking care of yourself? I'm still young, and
Speaker 1: I don't want to, like, you know, I want to
Speaker 1: because I look at my father. For example, He's seventy seven.
Speaker 1: He still plays tennis three times a week. I mean
Speaker 1: when outside was open. He's still really active. And that's
Speaker 1: he's always prioritized things that he's enjoyed, you know. And
Speaker 1: I and as a result, because he never stopped moving,
Speaker 1: he can continue to move, you know. And so I
Speaker 1: just thought about that like, huh, I want to be
Speaker 1: seventy seven like Daddy and continue to like enjoy life
Speaker 1: and and you know, and exercise and like he's just
Speaker 1: always been like that. So I'm just like, yeah, Like, if,
Speaker 1: like I said, if you're looking for a sign to
Speaker 1: enter into your your your stage of self care, whatever
Speaker 1: that looks it's like, then do so totally deserve it.
Speaker 2: Yes, do it. Do it.
Speaker 3: One of one of the best things I did this
Speaker 3: year for my body, other than get the peloton, which
Speaker 3: really has been so amazing, it's gonna it's get a
Speaker 3: proper desk chair. And I know we have got some
Speaker 3: listeners out there who are sitting in there, like, you know,
Speaker 3: taking the dining room chair, the trip that used to
Speaker 3: do their makeup in, or like the holding chair. Yeah,
Speaker 3: because you're the lawn chair. You're like, have a little
Speaker 3: hap you know, you have your little cobble together workstation.
Speaker 3: It's been a long time and if you're if you're
Speaker 3: lucky enough to work from home, you know, we're all
Speaker 3: so fortunate if we can still work from home and
Speaker 3: be safe. But get yourself a proper desk chair, because
Speaker 3: when I tell you Wayfair dot Com, I got the
Speaker 3: most I got this really great chair and it has
Speaker 3: changed up or I'm like, I forgot what it feels like.
Speaker 3: My butt feels amazing, it doesn't like go numb. After
Speaker 3: an hour, got lumbar support. It took me so long,
Speaker 3: and I wish I had done this sooner because my
Speaker 3: back and all the eggs and stuff, even my legs
Speaker 3: would be tired. So that's something small if you're looking
Speaker 3: for like a Christmas gift. I don't think a good
Speaker 3: dust chair would would ever be a bad thing to
Speaker 3: get for yourself or ask a loved one to get
Speaker 3: you tifty. Did you say that you don't have a hat.
Speaker 1: I mean I have a chair that I mean it
Speaker 1: is a desk chair technically, and it's really cute, but
Speaker 1: I suspect exactly. So one thing that my my physical
Speaker 1: therapist said, uh, doctor Lewis, He said, I got one
Speaker 1: of those, one of those like it looks like a
Speaker 1: like a like a cylinder, like a cylinder.
Speaker 3: Pillow, have to get wet a lumbar support.
Speaker 1: Yeah, so I'm actually I have a nag right now.
Speaker 1: And he said it's to remind you to like, you know,
Speaker 1: sit up, and I have some exercises to do at
Speaker 1: home in between my in between my appointments, and so
Speaker 1: I'm sitting with it right now and I can feel
Speaker 1: the difference it is. He's like, it's a reminder to
Speaker 1: kind of like sit back. So because I've got a
Speaker 1: really terrible posture. I started slouching when I started to
Speaker 1: grow tall, and I was like, because I did and want,
Speaker 1: you know, to be tall, and so like he's just like,
Speaker 1: you know, So I ordered it as soon as I
Speaker 1: got home because he sent me like, you know what
Speaker 1: to get?
Speaker 2: So yeah, no, you're right. I said that at too.
Speaker 1: I was like, I want to possibly switch out this chair,
Speaker 1: maybe find one because I'm gonna be in the chair
Speaker 1: a lot, or you know what I really want, Because
Speaker 1: didn't you used to have to say when you worked
Speaker 1: at Yahoo you had a standing desk?
Speaker 2: Did you have a standing desk?
Speaker 3: Yeah, I've always had a standing desk. We had one
Speaker 3: at my old office. Got I haven't been there forever.
Speaker 2: Yeah.
Speaker 3: Standing desks are actually really easy to come by now.
Speaker 3: You can get one for not that much on Amazon
Speaker 3: or Wayfair or any of those sites. And if you
Speaker 3: don't want like a full on standing desk, which you
Speaker 3: know you have to like plug it into an outlet
Speaker 3: and it goes up and down with a button. I've
Speaker 3: seen you can also get these little kind of like
Speaker 3: a breakfast in bedtray, but it's for your laptop and
Speaker 3: it goes up and down and you can put it
Speaker 3: on your desk like or on your kitchen counter or whatever,
Speaker 3: and you can put you just put that up and
Speaker 3: down versus having to move a whole desk. Those have
Speaker 3: worked for people.
Speaker 1: Yeah, I think I was going to get one of
Speaker 1: those two because actually, you know, just to have like
Speaker 1: a different like you know exactly.
Speaker 3: So, I mean obviously, sitting all day is never a
Speaker 3: good no matter how comfortable your chair is, you don't
Speaker 3: want to be sitting all day. But yeah, I don't know,
Speaker 3: I can't believe we haven't talked about before, but yeah,
Speaker 3: getting like an ergonomic setup, oh it means, it sounds,
Speaker 3: it sounds luxurious. And hey, ask your company if they
Speaker 3: will reimburse you if you work for a company. I
Speaker 3: know our company reimbursed up to five hundred dollars for
Speaker 3: work at home supplies, and it still took me months
Speaker 3: until I order mine. I was like, oh, it's going
Speaker 3: to expire December. First, let me let me get that chair.
Speaker 3: But yeah, just see, you know, you never know what
Speaker 3: benefits you might be leaving on the table, and it makes,
Speaker 3: like I said, a big difference. What else can we
Speaker 3: tell the people eat your spinach?
Speaker 1: No, but definitely like look into you because you're right
Speaker 1: fsay it. Like I this is always the time of
Speaker 1: year that my husband because he wears glasses even though
Speaker 1: he doesn't work. I'm like, you should definitely, you know,
Speaker 1: you want to make sure that if you have money,
Speaker 1: that you're not leaving and money kind of like on
Speaker 1: the table and lean in and use it because it's
Speaker 1: your Especially with with HSA, you don't lose it, but
Speaker 1: with FSA, if you don't use it, you lose it.
Speaker 3: You do sometimes it will roll over to the next quarter,
Speaker 3: but double check. F s A store dot com is
Speaker 3: one of my favorites because everything there, but even like
Speaker 3: CBS and Walgreens, they all label stuff FSA approved or
Speaker 3: FSA eligible. Just don't do what I did and stock
Speaker 3: up on baby sunscreen. Listen, a baby is very small,
Speaker 3: they don't need the sunscreen and that stuff expires, so
Speaker 3: look at these dates, like damn, I think I might
Speaker 3: have put it on him, Like twice yo, that is
Speaker 3: to be in the sun like that, So why do
Speaker 3: they even sell it?
Speaker 1: Like, well, if your baby lives in zimbopers but if not,
Speaker 1: you might not need all the sunscreen.
Speaker 2: Oh they don't.
Speaker 3: Got that much skin.
Speaker 1: I know.
Speaker 3: I'm like trying to lather it on him, like he
Speaker 3: really doesn't. But you're gonna use the subscridhal He's fine,
Speaker 3: He's fine, It's fine.
Speaker 1: Yeah. No, But that's a good end of your nearing
Speaker 1: the end of the year, and I think now it's
Speaker 1: like really just a good time to kind of like
Speaker 1: take stock and prepare. I mean, I would This is
Speaker 1: what I encourage people who had like a hard financial time,
Speaker 1: you know this year, is to ask yourself, like, if
Speaker 1: you could go back to December twenty twenty nineteen, and
Speaker 1: if you knew like, oh my gosh, twenty twenty it's
Speaker 1: going to be kind of a rough financial year, what
Speaker 1: would you have done differently? And to start to start
Speaker 1: to like employ those things now because one of the
Speaker 1: things I you know, after the first recesion basically took
Speaker 1: me all the way out. I remember once I as
Speaker 1: I was rebuilding my life, I was like, Okay, if
Speaker 1: another recession comes cause it's going to what do.
Speaker 2: You wish you would have done differently?
Speaker 1: And I started to slowly but sure because I didn't
Speaker 1: have any money really to start at first. But I
Speaker 1: started to slowly but surely do those things like build
Speaker 1: my emergency you know account, Know what my noodle budget
Speaker 1: is and that's your if you had to eat ramen
Speaker 1: noodle's budget, your bear bones basic budget, like, know what
Speaker 1: that number is the monthly cost of my beer bones expenses,
Speaker 1: And slowly but surely to employ those things so next
Speaker 1: time around, I wouldn't be caught not ready. And so
Speaker 1: this this recession or just really these times you know,
Speaker 1: although they were I mean, they weren't rough for me, thankfully,
Speaker 1: but even if I didn't have the successful businesses, the
Speaker 1: truth is I'm a It turned me into a saver
Speaker 1: the two you know, the two thousand and eight recession,
Speaker 1: and I would have been a saver, like regardless of
Speaker 1: whether it's budget these jing because I was like, ah,
Speaker 1: I don't ever want to be caught, you know, not ready.
Speaker 1: So that's what I just encourage folks to kind of
Speaker 1: take stock and to figure out what you can do
Speaker 1: to work into the new year to be prepared for
Speaker 1: the to be prepared just in case something should happen again.
Speaker 3: Isn't it so hard to do the right thing around
Speaker 3: the holidays? Though it just seems like it's one thing
Speaker 3: to fall on hard times in March, it's another thing
Speaker 3: to still be on hard times when the holidays roll
Speaker 3: around and you have kids. And my heart goes out
Speaker 3: to parents because I know that you want to give
Speaker 3: your kids a Christmas of their dreams. And uh, it's
Speaker 3: and and even just like looking at I opened up
Speaker 3: like the weekly flyer, which I don't ever do, but anyway,
Speaker 3: I opened up Targets flyer and the first ten pages
Speaker 3: are toys, toys, toys, and it's so and another sign.
Speaker 3: I was on a call earlier with our our content
Speaker 3: team at lending Tree, and I think our personal loans
Speaker 3: team was celebrating because our holiday personal loan, our holiday
Speaker 3: debt loan article page is getting five hundred percent growth
Speaker 3: in traffic, five hundred percent, And to me, that's like, yay,
Speaker 3: our article is really good about how to handle, you know,
Speaker 3: borrowing money for holiday spending. But also like please, dear God,
Speaker 3: think before you take out debt. I mean, yes, it's
Speaker 3: better to take out like a personal loan than it
Speaker 3: could be better, I should say, depending on the rate
Speaker 3: that you get than using a you know, a double
Speaker 3: digit interest credit card. But it just I just to
Speaker 3: work and listen my mom. I'll never forget the Christmas
Speaker 3: after my parents got divorced and my mom couldn't afford anything,
Speaker 3: and like her coworkers, you know, got together and got
Speaker 3: us a bunch of little gifts and like little Crayola sets.
Speaker 3: She really leaned on her tribe, her community, you know,
Speaker 3: community and friends and family for help. And I know
Speaker 3: that there's families out there struggling with with with kids,
Speaker 3: and you want to do everything for them. But as
Speaker 3: much as you can try to like readjust your own
Speaker 3: expectations and and be okay with a thinner Christmas holiday season,
Speaker 3: just it's okay. You don't feel And I'm saying this
Speaker 3: as a parent, and I just know I literally was
Speaker 3: on a ladder by myself in thirty two degree weather
Speaker 3: putting up lights for my baby. Like I know, you
Speaker 3: want to do everything for them. I just I'm worried,
Speaker 3: and I just I want people to to to settle
Speaker 3: in and be okay with where they're at right now
Speaker 3: financially and keep your eye on the long game. Keep
Speaker 3: your eye on just the unwrapping a gift that'll entertain
Speaker 3: them for a little while or you know, for a
Speaker 3: couple of hours, honestly, and think about you know, really,
Speaker 3: like Tiffany said, taking stock and thinking about the future
Speaker 3: and the long game, because that's that's what's important ultimately.
Speaker 2: Okay, well are you are you ready for my favorite
Speaker 2: part of this show? Yeah?
Speaker 3: I think we covered everything. Do your exercise, health, eat
Speaker 3: your spine, don't take out tons of debt for your holidays.
Speaker 3: You're welcome, guys. Yeah, let's let's take a quick break
Speaker 3: and we'll be right back with your questions.
Speaker 2: And we're black, I mean back, but we are black.
Speaker 3: Yeah.
Speaker 2: I love that joke.
Speaker 3: Equally true.
Speaker 2: What are our questions?
Speaker 3: I'm just gonna make a SoundBite of that and play
Speaker 3: it back for giggles. I love that joke. That's a
Speaker 3: good joke. Tip. All Right, thank y'all for your questions.
Speaker 3: If you have questions, we are always open. You can
Speaker 3: hit us up Brand Ambition Podcast on the Gram or
Speaker 3: Brand Ambition Podcast at gmail dot com. Pa Let's see,
Speaker 3: so this listener on the Gram she would like to
Speaker 3: be referred to as Maya, but she has a question
Speaker 3: about some debt. Maya says, I've been listening to the
Speaker 3: podcast like Clockwork for the last year or so. You
Speaker 3: two are my older cousins in my head that forever
Speaker 3: dropped the financial gems I need to adhere to. As
Speaker 3: a millennial who has racked up a good amount of
Speaker 3: debt from primarily credit cards, I'm seeking some advice. Unfortunately,
Speaker 3: for years, my credit cards have been my emergency fund
Speaker 3: when unforeseen events happen. Currently, I have just under ten
Speaker 3: thousand dollars that I've narrowed down to one card. My
Speaker 3: question is I want advice on how do I get
Speaker 3: better odds of getting a balance transfer credit card that
Speaker 3: would cover the entire ten thousand dollars balance. I've used
Speaker 3: balanced transfer offers previously and they're great, but the issue
Speaker 3: is they never cover the full amount. I am not
Speaker 3: in a position where I want to create another bill
Speaker 3: paying two cards. Are there any tips to getting a
Speaker 3: card that will cover the full ten k so I
Speaker 3: can take my financial freedom back? Thank you, myya, Maya
Speaker 3: the Bee.
Speaker 1: You too young, But there used to be this cartoon
Speaker 1: on Nickelodeon called Maya the Bee who remembers. Please tell
Speaker 1: me I'm not the only one. I used to love
Speaker 1: that show. That's what my remind would be of. But ugh, Maya,
Speaker 1: I think you are lamenting on what all of us
Speaker 1: laments on, because you're like, it's it's like spitting the
Speaker 1: it's not real fortune.
Speaker 2: What was that game show?
Speaker 1: It's like through with It was like the old guy
Speaker 1: who you would spin the wheel and it was like
Speaker 1: big money, big money.
Speaker 2: Big money.
Speaker 1: Right, yes, yes, So the only way that I have
Speaker 1: seen is really the more your income is because you
Speaker 1: have to like self report, then you know, then you
Speaker 1: have a better chance of getting a higher balance for
Speaker 1: your balance transfer card, a higher limit for your balance
Speaker 1: transfer card. But it sucks because you could ask ahead
Speaker 1: of time, they're not going to tell you because I
Speaker 1: tried that. So the better your your credit score and
Speaker 1: the more your income is, then the more likely you are.
Speaker 1: But I'm not gonna lie. I've done a couple of
Speaker 1: balance transfers. I've never gotten ten thousand, not that it's impossible,
Speaker 1: and that was some years ago. So maybe my income
Speaker 1: wasn't high enough. But yeah, there's no I mean maybe Mandy,
Speaker 1: you know you know better, but I haven't found a
Speaker 1: magic sauce other than better, better credit score and a
Speaker 1: higher income to report.
Speaker 3: Yeah, there really isn't one. And it's like Tiffany says,
Speaker 3: you're not going to find out how much you get
Speaker 3: approve for until you apply and see, so that's the
Speaker 3: unfortunate thing about you know, balance transfer credit cards. I
Speaker 3: would say, you know, worst case scenario if you apply
Speaker 3: and you're able to get I mean, it does sound
Speaker 3: like if you've been qualifying for a balance transfer offers,
Speaker 3: your credit score in spite of your debt is probably
Speaker 3: fairly good. You typically need a pretty good credit score
Speaker 3: to qualify for those zero percent interest balance transfer offers.
Speaker 3: But let's say you know, you apply for another zero
Speaker 3: percent intro balance credit card and it covers five thousand
Speaker 3: dollars and you really want to get that debt paid off.
Speaker 3: I mean, you could try to go to a credit
Speaker 3: union or an online lender, and if your credit score
Speaker 3: is really good, you know, see about a personal loan,
Speaker 3: like a debt consolidation loan. Obviously you'll pay some interest
Speaker 3: on that, but it could be a lot less than
Speaker 3: what you're paying on your credit card debt, and you know,
Speaker 3: give you some relief. But I definitely feel like the
Speaker 3: symptom this is a symptom of the you know, the
Speaker 3: reliance on debt, and it sounds like you you know,
Speaker 3: you're aware of that problem, but I really just I
Speaker 3: hope whatever you do, you keep on the path toward
Speaker 3: paying that down and definitely staying on top of the
Speaker 3: intro periods on those balance transfers so you don't get
Speaker 3: caught with my least favorite deferred interest getting tacked onto
Speaker 3: it if you aren't able to pay it off before
Speaker 3: that intro period's over exactly.
Speaker 1: So, I mean, I know it doesn't sound because I
Speaker 1: definitely remember the first time I was.
Speaker 2: Like, I was like, broh, wait, what how much?
Speaker 3: What I've never done what my husband has? And I
Speaker 3: think we did. I think you got like five thousand.
Speaker 3: But it's you knows, the balance transfers ultimately for their
Speaker 3: benefit because they're getting you to spend money on their
Speaker 3: credit card instead of your existing banks credit card. They're
Speaker 3: not trying to you know, it's a fine balance they
Speaker 3: have to. They definitely like the fact that people are
Speaker 3: in debt enough to want to switch to their you know,
Speaker 3: intro period credit card, but they kind of want you
Speaker 3: to stay in debt too, so it doesn't quite behoove
Speaker 3: them to, you know, give you everything you need to
Speaker 3: pay off your debt. But that's a good question though.
Speaker 3: In good luck on your debt payoff journey, it sounds
Speaker 3: like you've made a lot of good progress and you're
Speaker 3: gonna say, yeah, major kudos, my friend. You're on your way.
Speaker 3: All right, Let's take another question. This one comes also
Speaker 3: from the GRAM and she would like to remain Oh,
Speaker 3: she or he would like to remain anonymous. All right,
Speaker 3: She says, I have friend recently put me onto your podcast,
Speaker 3: and I'm thankful beyond measure to have access to your platform.
Speaker 3: I'm reaching out for any support you can offer. I'm
Speaker 3: seeking guidance with my savings account. I've managed to save
Speaker 3: close to forty thousand dollars and I just have no
Speaker 3: idea what to do with it. I already have a
Speaker 3: life insurance policy that I contribute to annually and a
Speaker 3: four or three B through work. I initially began saving
Speaker 3: to have cash to put down on a home, but
Speaker 3: once the pandemic hit, I had to relocate, and home
Speaker 3: ownership is now on the back burner until personal things
Speaker 3: get on track. I guess my question is how can
Speaker 3: I capitalize on the money I've saved? Is there a
Speaker 3: better place to hold this much money other than my
Speaker 3: Bank of America savans account. My goal is to have
Speaker 3: fifty thousand dollars and with my current budgeting plan, I
Speaker 3: should be able to get there by March, which is awesome.
Speaker 3: But then what question mark?
Speaker 1: I'm gonna call them logan so that except for he
Speaker 1: or she? Right, sure, I feel like Logan is such
Speaker 1: a great like he she named? You know, doesn't matter.
Speaker 3: Gender, New Trump all about it, right, Lolo?
Speaker 1: First of all, BA, not black brand ambition, but Bank
Speaker 1: of America, I please run, meaning as far as like
Speaker 1: leaving your money and you're in a traditional I mean
Speaker 1: they're not giving much interest away. But I suspect that
Speaker 1: BA is literally they.
Speaker 3: They were a piece because like we're BA.
Speaker 2: B a b of ay. Let's do b a so
Speaker 2: b of a.
Speaker 1: I bet you they're not even giving like a piece
Speaker 1: of a penny anyway. They're just giving a link pocket
Speaker 1: lint now, because you know they traditional banks tend to
Speaker 1: give like the worst interest pay pay, you know, as
Speaker 1: far as paid a to a savings account.
Speaker 2: So at the very.
Speaker 1: Least switch on over to an online on lead bank, Like,
Speaker 1: for example, if you go to magnified money dot com,
Speaker 1: that's like my favorite site to find online only banks
Speaker 1: and just type in, like you click on the savings
Speaker 1: button and you can see a bunch of them listed.
Speaker 1: You're just gonna look for who's paying out the highest
Speaker 1: interest currently zero deposit required or like a dollar deposit
Speaker 1: required that you can keep like a dollar in order
Speaker 1: to earn the highest interest that they're paying out, and
Speaker 1: that they that it's given at least an A. I
Speaker 1: always look for an A because Magnified Money does a
Speaker 1: really great thing where they give them grades. But here's
Speaker 1: I mean, I know everybody's wanting to like put their
Speaker 1: money to work.
Speaker 2: But you haven't.
Speaker 1: She didn't really Well, Logan didn't share if they had
Speaker 1: emergency savings, right right, Mandy.
Speaker 3: Well she does say that she I should say, I'm
Speaker 3: like getting my logan into trouble. Anyway, Logan said that
Speaker 3: they have a four H three B through work and
Speaker 3: they pay into a life insurance policy. I'm going to
Speaker 3: guess this forty K. They say that they put it
Speaker 3: aside to save up for a home. Let's assume that
Speaker 3: this is downpayment money. But also emergency savings.
Speaker 1: That's when I got the vibe right then, like lol,
Speaker 1: I would say I would add, like, figure out what
Speaker 1: your noodle budget is, meaning like if your life costs
Speaker 1: you typically say five thousand bucks a month, but if
Speaker 1: you just pay for the essentials, it's three thousand bucks.
Speaker 1: Let's just pretend, so three thousand times six months is
Speaker 1: eighteen thousand dollars. So then eighteen thousand should just honestly
Speaker 1: just that's your first line of defense. It should just
Speaker 1: be saved.
Speaker 2: That's it.
Speaker 1: And then the other component is where you might want
Speaker 1: to if depending when do you need it. If you're like, oh,
Speaker 1: I might want to buy a house in two years,
Speaker 1: well maybe you don't want to put it into the market.
Speaker 1: But if you're like, you know what, I don't know
Speaker 1: what I'm going to want to buy a house, I
Speaker 1: don't mind leaving the money alone for three to five years,
Speaker 1: And you might want to look into slowly but surely
Speaker 1: putting money into an index fund so you can see
Speaker 1: if you'll get like a you know, a better return
Speaker 1: than you would than savings. So I guess it all
Speaker 1: depends on like what her what Logan's goals are. If
Speaker 1: you know like if if you don't have emergent, I
Speaker 1: always say, start with emergency savings and then work from there.
Speaker 3: What do you think, Mandra, Yeah, it kind of reminds
Speaker 3: me of a question we got last week. I forget
Speaker 3: the particulars, but I know at a certain point we
Speaker 3: were like, look when it comes to us, when it
Speaker 3: comes to savings that you want easily accessible, like you
Speaker 3: don't have to overthink it, just put it in a
Speaker 3: savings account. And you know, BAA is nothing special in
Speaker 3: terms of big banks. Every big bank out there, you
Speaker 3: know your chases, your oh TD banks, You're I'm just
Speaker 3: any big bank, like they all the traditional brick and
Speaker 3: mortar banks typically give you really low to nothing rates
Speaker 3: on your savings, so you're not gonna make money on
Speaker 3: your savings and online only banks, like Tiffany said, yes,
Speaker 3: they often have much much higher yields on their savings accounts,
Speaker 3: but they're still like one percent maybe these days, like
Speaker 3: less than one percent. They're not amazing. They're not like
Speaker 3: gonna make you, you know rich On rich On rich
Speaker 3: the way that you know you can really you know,
Speaker 3: you can really compound your returns, your return on investment
Speaker 3: through investing in the stock market. You just have to
Speaker 3: like adjust your expectations and remember what the money is
Speaker 3: in the savings account. For the money in your savings account.
Speaker 3: You know, the way that I approach it, it's not to
Speaker 3: grow wealth. This is to protect what you have and
Speaker 3: protect yourself for the future, to protect yourself against debt,
Speaker 3: and to save for short term goals. So it sounds
Speaker 3: like what you have right now in savings is like, okay,
Speaker 3: some cushion for for protection, which is really important, and
Speaker 3: then also for a short ish term. You know, even
Speaker 3: though you're not going to buy a house now, like
Speaker 3: Tiffany said, you might want to get one of the
Speaker 3: next one to two years. That to me is still
Speaker 3: a short enough timeline to say, you know, keep it
Speaker 3: in a bank account, and you know, if you want
Speaker 3: to switch it, definitely, you know you could. I don't
Speaker 3: know what the math is like if you if you,
Speaker 3: you know, switch that, put that forty K into a
Speaker 3: high interest account. You'll certainly earn some money on that money.
Speaker 3: And like, who wants to not do that? If you
Speaker 3: have the option, so do that. But then you know,
Speaker 3: you just don't, don't don't don't expect more out of
Speaker 3: your savings account than what it's meant for. And when
Speaker 3: you're ready to, you know, upgrade to a brokerage account
Speaker 3: and just go ahead and invest in the stock market.
Speaker 3: Excuse me. You have to sort of start from Okay,
Speaker 3: what are my goals and in which order? So emergency fund, tick,
Speaker 3: down payment for a house tick. Then what other goals
Speaker 3: do you have if they're in the short term, and
Speaker 3: then keep extending those goals out to the long term.
Speaker 3: And it's that like for me past five years, that's
Speaker 3: when I feel like, you know, definitely trying to invest
Speaker 3: in the stock market might make the most sense. Yeah,
Speaker 3: and forty k sounds like a lot, But Tiffany, once
Speaker 3: you start doing that math of like even with your
Speaker 3: even with your you know, your conservative budget there of
Speaker 3: like six k a month. Wait what did you Yeah,
Speaker 3: eighteen k that's already half of that savings. And then
Speaker 3: if you put in another twenty k for a down
Speaker 3: payment and you don't want to, like you don't want
Speaker 3: to buy a house and then have nothing in the
Speaker 3: bank you need to have you want to have something
Speaker 3: left over, so you don't want to put the full
Speaker 3: forty k into a house, so that you have zero
Speaker 3: savings left over. What if something happens like our plumbing
Speaker 3: just blew up, you know, six months into owning a house.
Speaker 3: So you want to have you know, cash cushions set
Speaker 3: aside for that as well, if you're going to become
Speaker 3: a homeowner.
Speaker 1: No, absolutely, and you're right because I mean forty k
Speaker 1: it's it's a lot of money until you start to
Speaker 1: really until you start to disperse it, you know, and
Speaker 1: to say, because that's what you're wanting. You the stronger
Speaker 1: the foundation, the better. I mean, everyone has financial challenges
Speaker 1: at some point, So what you're wanting to do is like, Okay,
Speaker 1: what do I what can I do to help to
Speaker 1: leverage against that? Like okay, if I've got to if
Speaker 1: I've got my emergency savings, if I've put you know,
Speaker 1: a decent amount down in the house, if you know,
Speaker 1: I'm living already living below my means. It's like the
Speaker 1: non fun things, but those are the things when things
Speaker 1: get rough, it's not as rough for you because you've
Speaker 1: put those things into place. And I think that's the
Speaker 1: place that like, you know, Mandy and I because you know,
Speaker 1: we we weren't living these like footloos and fancy refinancial lives.
Speaker 1: But as a result this year, although you know it's
Speaker 1: not been easy, we haven't been devastated by it.
Speaker 3: Yeah, and I mean I also feel like, oh dang it,
Speaker 3: my mom brain just cricked in. It's kind of like
Speaker 3: if you're walking, if you're like climbing a tree and
Speaker 3: then all of a sudden the branch is gone. That's
Speaker 3: kind of what mom brain is like, and the tree
Speaker 3: is my train of thought. Let's just kip it. I
Speaker 3: don't know for any mom listening. I'm going to keep
Speaker 3: this in the podcast so you don't feel alone.
Speaker 2: Well, what do you call my brain? Because I'm always like, wait,
Speaker 2: who am I?
Speaker 1: Because literally you're like, you know, you do that thing
Speaker 1: you come to the kitchen or whatever, You're like, what
Speaker 1: am I looking for?
Speaker 2: What did I come here? Forward?
Speaker 1: And you're like, I don't want to go back upstairs
Speaker 1: because I know I'm gonna remember as soon as.
Speaker 2: I get to the third floor.
Speaker 3: I found a robot in the fridge yesterday. So that's me.
Speaker 2: Oh yep.
Speaker 3: Well, thank you, thank you Logan or Lolo as we've
Speaker 3: already nicknamed your fake name. Thank you for question if
Speaker 3: y'all want to answer, if you want us to answer
Speaker 3: your questions, hit us up Brandabision podcast on Instagram or
Speaker 3: Brandabision podcast gmail dot com dot com.
Speaker 1: And now it's time to boostop break up, boostop, break
Speaker 1: stop break well, I want to I guess I want
Speaker 1: to boost. Have you heard a clubhouse?
Speaker 3: Mandra crackers?
Speaker 2: No clubhouse? No?
Speaker 1: No?
Speaker 2: Do you know how to clubhouse?
Speaker 3: It is my husband's favorite characters. No, I have not
Speaker 3: for real?
Speaker 2: No?
Speaker 3: Yes, no, Oh my god, I'm streussed.
Speaker 1: I'm surprised because I feel like I've aays been talking
Speaker 1: about it. So clubhouse is like this new app that
Speaker 1: it's enough new social app, yay, but it's different in
Speaker 1: that it's completely audio.
Speaker 2: So what happens with the clubhouse? It took me how
Speaker 2: to figure out how to use it.
Speaker 1: So what happens is and you let me know magic
Speaker 1: because I've got like some invitation. If you want me
Speaker 1: to invite you to clubhouse, okay, that you have to
Speaker 1: have an Apple like either like an iPhone or iPad.
Speaker 1: You know me, I'm Android all the way as far
Speaker 1: as my like my computer is a Mac, but my phone.
Speaker 1: So I was like, guess I won't join because you
Speaker 1: can't do it on your computer. But then I want
Speaker 1: an iPad and if you know cheapy me, I was like,
Speaker 1: that's the only reason why I joined. But you have
Speaker 1: to be invited by like a friend that's already in there,
Speaker 1: which is not hard to find someone that's already in there.
Speaker 1: And then what happens is there's like you can host
Speaker 1: a room. You could literally I can click right now
Speaker 1: start a room, and then I could I could start
Speaker 1: teaching a lesson. So people can't see you, but they
Speaker 1: can hear you, and sometimes most people join host.
Speaker 2: So like you and I might both talk about like.
Speaker 1: Hey Manjoe, let's po let's do a brod ambition room
Speaker 1: where we talk about like you know how you know
Speaker 1: how to launch a podcast, and then we'll talk and
Speaker 1: then you can invite people on stage with you, kind
Speaker 1: of like so you and I could be talking and
Speaker 1: someone might raise their hand because there's like a button
Speaker 1: you can click to raise your hand, and we might
Speaker 1: pull someone on stage and then they can talk and
Speaker 1: chair and then they go back into the audience.
Speaker 2: I'm not gonna lie.
Speaker 1: At first, I was kind of like, I like, I
Speaker 1: don't like because it was weird to me.
Speaker 2: I was like, I don't care.
Speaker 3: So is it social media.
Speaker 1: It is social media, which I was like another social
Speaker 1: media thing. And so a friend of mine hosted like
Speaker 1: a welcome party for me, which is not really welcome party,
Speaker 1: just basically a room to say welcome Tiffany the budgetist
Speaker 1: to the clubhouse.
Speaker 2: And so people kind of gave me like their best practices.
Speaker 1: So what I do like is that, for example, it's
Speaker 1: a really great I guess, especially with everyone being home now,
Speaker 1: especially if you're kind of by yourself, it's great because
Speaker 1: you can actually hear human voices, like real people. And
Speaker 1: so some of the rooms have been great. I think
Speaker 1: I didn't like at first because some of the rooms
Speaker 1: I'm like, I don't get it, like what are they
Speaker 1: talking about? But there'd be interesting rooms, like today I
Speaker 1: was in a room about, like, you know, a marketing
Speaker 1: and I love marketing, so I was like listening to
Speaker 1: successful people who were successful at marketing talk about marketing.
Speaker 1: Or sometimes you have an interesting room where they're playing
Speaker 1: like charades or whatever, like games and they're like, oh,
Speaker 1: this is fun. Or like there was a room where
Speaker 1: they were like music folks like Jermaine Duprie and like
Speaker 1: some other like musicians and things they were talking about
Speaker 1: he was actually hosting a room called the DJ and
Speaker 1: how important the DJ is to music. So if I
Speaker 1: was a young DJ, i'd be like really excited to
Speaker 1: be in a room with like a Jermaine Dupree and
Speaker 1: some other like you know, famous DJ. So it's like
Speaker 1: very democratizing, which I kind of like. Because like there
Speaker 1: was run room that they did a couple of weeks
Speaker 1: ago called Kevin Hart is not Funny and Kevin Hart
Speaker 1: joined the room. Yeah word yes, and he was like
Speaker 1: oh and they let him talk and he basically he
Speaker 1: was like, yeah.
Speaker 2: Black women never support black men whatever he said.
Speaker 3: But I mean, but you can hear his voice. This
Speaker 3: sounds interesting and also kind of creepy. As a child
Speaker 3: who you know, was in you know, when the Internet
Speaker 3: became a thing when I was like twelve, it was
Speaker 3: like ooh m a Sun chat rooms, and it was
Speaker 3: that's what vibe I'm getting.
Speaker 1: It's very it's a it's a chat room, but like
Speaker 1: to actually connect and here.
Speaker 3: No one's going to be like ASO okay, good.
Speaker 2: Yeah. So well like some of the rooms, you're just
Speaker 2: like this is weird. But you could che whatever room
Speaker 2: you can, so you can kind of poke.
Speaker 1: Your head and so sometimes I like listen and I'm like,
Speaker 1: I would say, at least once a day, I'll look
Speaker 1: to see if there's anything like interesting that I wanted
Speaker 1: to learn about, like sometimes they had a room like
Speaker 1: how to take your business from six figures to seven figures,
Speaker 1: you know. So so yeah, so I would say that
Speaker 1: it's it's interesting. I will send you an invite so
Speaker 1: you can join and you'll see if you like it.
Speaker 1: But I will say, like, you definitely want to because
Speaker 1: there's so many notifications. I'm glad because I don't want
Speaker 1: to use my iPad because I'm like, I don't even
Speaker 1: know how to use it.
Speaker 2: That well, I'm not gonna lie since I just got it.
Speaker 1: But so the good thing is is that I'm actually
Speaker 1: happy that it's on my iPad because I don't use it,
Speaker 1: so I have to, like the only time I use
Speaker 1: it is for clubhouse.
Speaker 2: So I would say maybe once or twice.
Speaker 3: A day, so like, I'm definitely my interest is piqued.
Speaker 3: I don't know how. I don't know about this, but yeah,
Speaker 3: I will.
Speaker 2: Send you an invite.
Speaker 1: You know. I'm glad, yeah, because I think that you know,
Speaker 1: like I said, I think it like I said it
Speaker 1: might be fun to host a room, or like I said,
Speaker 1: just to go in and listen to like interesting conversations.
Speaker 1: And yeah, I have to say because my sister, I
Speaker 1: gave her an invite. The sister you guys love the
Speaker 1: investing sister, and she's joined a bunch of investing rooms
Speaker 1: and she's like they've been really interesting and she's learned
Speaker 1: a lot of stuff.
Speaker 2: So you know, if you can here's the thing that's
Speaker 2: so crazy.
Speaker 1: You can like wake up three o'clock in the morning
Speaker 1: and there're people like with rooms like discussing whatever.
Speaker 2: Because you know, people live all over the world, so.
Speaker 3: And you can't tell me it's just voices.
Speaker 1: Yeah, that's why I think people like it. So you
Speaker 1: don't have to get cute literally just voices.
Speaker 3: Can you just chime them with you just add to
Speaker 3: the conversation.
Speaker 1: So what happens is is that like if you and
Speaker 1: I were to say, like click literally there's like a
Speaker 1: green button, I might say, maybe let's start a room.
Speaker 2: So let's start a room.
Speaker 1: You and I are in there, people would come in
Speaker 1: and they're they're at first, they're in the audience. We
Speaker 1: can either click someone and say I'm inviting you to speak,
Speaker 1: or they can click a hand button.
Speaker 2: Where it's basically raises their hands and then we can say.
Speaker 3: It's so IG video thing like an IG live.
Speaker 1: Yeah, yeah, without the without the video. So that way
Speaker 1: you don't have to you don't have to be cute.
Speaker 1: But so you don't like if we don't want anyone
Speaker 1: to speak, but you and I that you don't have
Speaker 1: to invite anyone to speak, which is kind of nice too.
Speaker 1: So it's not like you're but you know, you might
Speaker 1: like you might want to take questions or like you
Speaker 1: might want Like I was in a room the other
Speaker 1: day it was like Abra Duverne. It was like I
Speaker 1: think it was like black Hollywood producers or whatever, and
Speaker 1: it was a bunch of amazing people and if the
Speaker 1: conversation was interesting, but it didn't really resonate with what
Speaker 1: I was working on or anything. Some people are like,
Speaker 1: oh my god, I'm in here all.
Speaker 3: Day, and I'm like, ah, okay, it's.
Speaker 1: Definitely interesting, but I don't. I have not been I
Speaker 1: have not felt the need to be in there all day.
Speaker 1: But I think that you, like I said, you would
Speaker 1: enjoy it, and so I will send you an invite
Speaker 1: to clubhouse.
Speaker 3: Let me in the clubhouse.
Speaker 1: I know that it's really new. Like I said, I
Speaker 1: think it came out in May of this year, so
Speaker 1: like May or March this year, so it's super super new.
Speaker 1: So that's probably I didn't hear.
Speaker 3: Well, my mom hasn't told me about it, so I
Speaker 3: know it's still cool. I'm gonna do a boost. I
Speaker 3: read this headline on CNN that says that black millennials
Speaker 3: have been driving a twenty twenty home buyer surge among
Speaker 3: Black Americans. So shout out to black millennials and the
Speaker 3: emphasis on black home ownership, like I think on this show,
Speaker 3: obviously Tiffany and I have gone through home purchases and
Speaker 3: all that stuff, but we talk about the power of
Speaker 3: owning and how I mean, how do I go You
Speaker 3: can't really go into the history of how Black Americans
Speaker 3: have been held back from wealth generation in the form
Speaker 3: of property. So to see the an increase in black
Speaker 3: home ownership is really great. And according to this article
Speaker 3: some stats for you, three percent rise in black home
Speaker 3: ownership in twenty nineteen, and this came in despite of
Speaker 3: the pandemic fueled economic upheaval for all Americans, but especially
Speaker 3: black Americans. So three percent is not nothing, and it's
Speaker 3: better than years past. And also just to like point out,
Speaker 3: you know, black home buyers were still it's it's it's
Speaker 3: great to see some gains, but we're still a very
Speaker 3: small percentage of all home buyers. So only five percent
Speaker 3: of Americans who bought homes in the first part of
Speaker 3: twenty twenty were black. But the the three percent increase
Speaker 3: in black homeowners has really been driven by Black millennials.
Speaker 3: So shout out to us black millennials and this, this
Speaker 3: gives me, This gives me hope because you know, I
Speaker 3: feel like, of course, home ownership it's traditional. Not everyone
Speaker 3: needs a house. You don't need a house as part
Speaker 3: of your you know, wealth building journey, but it's so meaningful,
Speaker 3: and you know, I think about my little brother and
Speaker 3: I remember earlier this year he was like, I don't know,
Speaker 3: I just feel like if I buy a house, like
Speaker 3: what's the point? And I would talk to him about,
Speaker 3: you know, generational wealth and as a black, single, black
Speaker 3: man in his twenties, what that what that says for
Speaker 3: him to own property and like how you know our
Speaker 3: ancestors never could have dreamed of that. And he is
Speaker 3: on his he's almost he's buying a house in the
Speaker 3: Atlanta area. He's on the hunt right now, and he
Speaker 3: already owns a condo. And yeah, I'm really proud. I'm
Speaker 3: proud of him, and I'm happy to see this. And
Speaker 3: I certainly feel like, based on the questions we're getting
Speaker 3: from our listeners, a lot more people like black millennials are,
Speaker 3: you know, in the home buying market. And it's so
Speaker 3: it's good. It's good to see us there and let's
Speaker 3: continue it. For sure.
Speaker 1: Yes, I do like I honestly I love that because
Speaker 1: even in this neighborhood, I was a little nervous because
Speaker 1: where I live in Newark, is it's like one I.
Speaker 2: Would say, probably. Yeah.
Speaker 1: The houses are probably the most expensive of this neighborhood.
Speaker 1: It's called the Forest Hill Sections, just really beautiful historic homes.
Speaker 1: And a number of years ago the New York Times
Speaker 1: had did an article about like the hidden Gym in Newark,
Speaker 1: and it was filled with like older folks, and so
Speaker 1: many of them are moving out because the houses. Some
Speaker 1: of these houses are huge because they're built in nineteen ten.
Speaker 1: They have like seven bedrooms, and you know, some of
Speaker 1: these folks are like why why am I, you know,
Speaker 1: living in this huge house, and so they're selling. And
Speaker 1: what I love is that I'm seeing a lot of
Speaker 1: black and brown families by because that was my biggest
Speaker 1: worries that they were going to sell and the neighborhood
Speaker 1: was going to totally gentrify, you know, and I'm not
Speaker 1: seeing that, honestly, Like I would say, you know, more
Speaker 1: than half, if not sixty to seventy percent that I've
Speaker 1: seen when they're when they have sold, I'm like, I
Speaker 1: look to see, like who comes out.
Speaker 2: I'm like, yeah, a brown face, yes, you know.
Speaker 1: So it's nice because Newark, honestly, during all the social
Speaker 1: people has been like a racial safe haven for myself
Speaker 1: and my family because I don't, you know, aside from
Speaker 1: you know, dude across the street, but he's moving.
Speaker 3: Hey Keith bye, Keith, Yeah, y Kith crazy Keith.
Speaker 2: So so yeah. So I think that that's awesome.
Speaker 1: And I just love the fact that, you know, we
Speaker 1: are we are participating in foundational wealth.
Speaker 3: Yes, I love our neighborhood so much. It's been majority
Speaker 3: black since it was founded in the early nineteen hundreds
Speaker 3: and we're actually I've seen a different side in twenty twenty.
Speaker 3: I feel like it's brought all of the neighbors together,
Speaker 3: Like we had a there was a Halloween block party
Speaker 3: social distance and it was really cute around the Halloween.
Speaker 3: And then I just made a flyer for our community
Speaker 3: tree lighting. We're gonna do a tree lighting in our neighborhood.
Speaker 3: And this isn't like we don't pay dues, we don't
Speaker 3: have like a homeowner association. It's just people in the
Speaker 3: neighborhood getting together, figuring out zoom and just being good
Speaker 3: to your neighbors. So it's I love it. I this
Speaker 3: is a dream for me, and I'm so happy that
Speaker 3: we found this little, this little gem of a neighborhood.
Speaker 3: And I love that. And it's something that a lot
Speaker 3: of like if you're in a neighborhood. I mean, it
Speaker 3: just feels obviously we're all isolated. But I've seen I've
Speaker 3: seen how it brings people together in a corny and
Speaker 3: lovely way. I love cheeses. I just love it. Come on,
Speaker 3: it's the holidays. So even if it's not like and
Speaker 3: you can just buy a tree for fifty bucks and
Speaker 3: make a little neighborhood tree lighting for yourselves. I don't know,
Speaker 3: but you know, just taking cookies to a neighbor, trying
Speaker 3: to think of some things small you can do for
Speaker 3: your community. You don't know who's out there feeling lonely
Speaker 3: or falling on hard times, and it's I'm fortunate that
Speaker 3: we live in a neighborhood that seems to be, you know,
Speaker 3: looking out for one another, and we all need that.
Speaker 3: So I hope that you know it's not just here,
Speaker 3: and that y'all can find small ways to give back
Speaker 3: and spread cheer, you know, wherever you are in your communities.
Speaker 1: I grew up in one like a very like neighborhoody
Speaker 1: neighborhood when I was like, I would say, like you know,
Speaker 1: zero to nine or ten, and so I remember like,
Speaker 1: you know, riding bikes and like literally like it was
Speaker 1: like I called it like a kid neighborhood where almost
Speaker 1: every house had a kid, and you know, all the
Speaker 1: parents were like, oh, you.
Speaker 2: Know, yeah, I fed your kid dinner tonight. It was
Speaker 2: very leave it to beaver.
Speaker 1: And I didn't realize until we moved how special that was,
Speaker 1: you know, So having that is really awesome because my
Speaker 1: parents felt like, you know, I mean, of course you
Speaker 1: always keep an eye out, but it was like it
Speaker 1: felt relatively safe, like it just it allowed me to
Speaker 1: be a kid, Like as long as I stay on
Speaker 1: this block, I could ride my bike freely. I knew
Speaker 1: Danielle's house had the best ribs. I knew a dairy's house.
Speaker 3: I'm like, you know.
Speaker 2: Exactly.
Speaker 1: Like she was the only child, so she had like
Speaker 1: the Barbie dream house. I was like, oh, let me
Speaker 1: suck up to Danielle tecause I want to play with
Speaker 1: the Barbie d your house. There are Darry's house. They
Speaker 1: would always have seafood. I never had like actual crabs before.
Speaker 1: I was like, you guys are having grabs. I'm playing
Speaker 1: with her today. So so it just was really just
Speaker 1: like having that kind of close to the neighborhood. It's
Speaker 1: just it's a blessing, honestly, and so like, I'm happy
Speaker 1: that you have that.
Speaker 3: So well I'm feeling. All I think was she and
Speaker 3: love you because of the holidays, so spread some holidays cheer.
Speaker 3: I mean, times is dark, but they're getting brighter, they
Speaker 3: really are, are they are? Yes, Well, shall we call
Speaker 3: it a show?
Speaker 2: I think that we should.
Speaker 1: And you know, well before we close, let me I'm
Speaker 1: going to give you my Instagram of the day. So
Speaker 1: there is a funny this is guy. He's super Philly
Speaker 1: if you're from Philly. His name is Vision Poet, that's
Speaker 1: his ig. And he does these like he tells stories
Speaker 1: of like his youth like not youth like yeah, youth
Speaker 1: like when he was like in high.
Speaker 2: School and college. He tells them.
Speaker 1: So he used to be a poet, so he's a
Speaker 1: really good storyteller. But he's still a poet. But anyway,
Speaker 1: he's a really good storyteller. And then he he has
Speaker 1: animated them and they are so hilarious. You're just like, yo,
Speaker 1: this guy is a mess. So I encourage you Vision Poet. Yeah,
Speaker 1: because you know, I like, somebody hit me the other
Speaker 1: day they tagged me and Neil Kattel, Remember I told
Speaker 1: you like I like to watch his daily wrap up
Speaker 1: of like the election post election news. Yeah, and because
Speaker 1: he's a so everyone's been telling me. They've been like
Speaker 1: tagging me and let me know, like I'm here because
Speaker 1: of you. Budget he said, this is so good.
Speaker 2: You're right.
Speaker 1: So if you just need like a little reprieve, Vision
Speaker 1: Poet has just like I said, these really funny, irreverent
Speaker 1: kind of stories of like you know, of like, especially
Speaker 1: because I'm forty and he's around that Saint Machel. When
Speaker 1: he tells like back when Diddy was bumping in the club,
Speaker 1: You're like, I remember that, and like, especially if you're
Speaker 1: from the East Coast. It's just you know, it's like
Speaker 1: I said, it's a nice little reprieve and he's a
Speaker 1: he's an account that I enjoy.
Speaker 3: That's it. Thank you for the IRG recommendation. You've not
Speaker 3: failed us yet. All right, to take care and want
Speaker 3: pics of your tensil fide Christmas side house please. I
Speaker 3: need to see it, all right. And I'm waiting for
Speaker 3: my clubhouse invite.
Speaker 2: Okay, yes, well I'm gonna do right now.