Speaker 1: It's time for the b a q a a b
Speaker 1: a q a What to say to a q a
Speaker 1: man the b a q with tippin day to b
Speaker 1: a q a a. I have not been able to
Speaker 1: say manday and tipping day a law, but I will
Speaker 1: say somehow the universe worked it out that everybody's name rhymed.
Speaker 1: I was a look at that.
Speaker 2: I mean, it rhymes the regular way you pronounce it,
Speaker 2: and it rhymes the incorrect way that you pronounce.
Speaker 1: Its dancery up in here we just gonna make up right.
Speaker 2: Okay, shout out to Mary j Okay b a fan.
Speaker 2: We are here for your questions. Remember, bring out yourself shakers,
Speaker 2: shake them up because we are not your best you
Speaker 2: know accountants. We are not your best financial advisors, were
Speaker 2: your best brown ambition pals in your head. Okay, So
Speaker 2: we're giving you some light advice, some guidance, some id is,
Speaker 2: but don't come for us and sue us. Okay, so
Speaker 2: take everything with some grains of salt. But if you
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Speaker 2: and we love to get your questions. What have we
Speaker 2: got in the mail bag today?
Speaker 1: Tiff Well, I someone slim into my personal DMS as
Speaker 1: a Budjanista, which I welcome you, but ideally signed to
Speaker 1: to BA the bisson DM. So Liz asked a question.
Speaker 1: She said, Hey, girl, girls, what are your thoughts on
Speaker 1: one buying a property with a domestic partner? What are
Speaker 1: the legal implication.
Speaker 2: Domestic partner? So the term domestic partner to me, my
Speaker 2: first question is like does it vary by state what
Speaker 2: rights you may have as a domestic partner. Yeah, so
Speaker 2: my first question or my first thing is I would
Speaker 2: check with your state what rights does that domestic partner
Speaker 2: have in terms of if the relationship goes sideways to
Speaker 2: whatever property you guys obtain, you know, during your relationship,
Speaker 2: because if you're an official domestic partnership, which used to
Speaker 2: be a thing, especially for same sex couples, that used
Speaker 2: to be the only way you could be partnered, you
Speaker 2: know legally. Now gay marriage is legal. So yeah, that's
Speaker 2: my first question. What else should they consider it? TIF?
Speaker 1: Honestly, like you should consider obviously you want to consider
Speaker 1: like your finances like child how like what's the down payment? Looking?
Speaker 1: Like how we pay the mortgage? You want to flush
Speaker 1: out all these things ahead of time, like what is
Speaker 1: everybody's credit score? What happens if somebody can't afford their payment?
Speaker 1: How much debt do you both like both feel comfortable
Speaker 1: taking out? Like to me, those are probably the things
Speaker 1: you're probably already thinking about. But even still, like because
Speaker 1: you're unmarried, you might have to apply for the mortgage separately,
Speaker 1: like you know, like because they're it depends on your state.
Speaker 1: Your state might have something where you can apply as
Speaker 1: a domestic partner. But like so I'll give you example.
Speaker 1: Although Darrell and I were married when we we bought
Speaker 1: the house that Terrell has now since brought for me,
Speaker 1: But because we brought it from the city, they said
Speaker 1: only one of us for whatever reason, there was a
Speaker 1: tax lean or tax deed, only one of us could
Speaker 1: be on the deed, like could purchase the property. They
Speaker 1: didn't allow two people, which was weird even though we
Speaker 1: were married. And as a result of us doing that,
Speaker 1: I forgot to add myself to the d later and
Speaker 1: then when he passed away, it was a struggle like
Speaker 1: it is my property, you know, along with alyssa. But
Speaker 1: still you know, so that's something too, like okay, how
Speaker 1: if you're asking about the legal part, like if one
Speaker 1: person has to apply, how are you going to choose ownership?
Speaker 1: That's probably the most important there are. There are different
Speaker 1: types of ownership options for unmarried couple, like I'm just
Speaker 1: looking it up real quick. One is called joint tenancy,
Speaker 1: and so that's where there's multiple owners and they own
Speaker 1: they own an equal will share in the home, and
Speaker 1: so it just means they all have equal rights to
Speaker 1: the property and there's right to survivorship. So that way,
Speaker 1: if one owner passes away, their home is transferred to
Speaker 1: the other. So joint tenancy is one. There's tenancy in common.
Speaker 1: This is the second one. This is when each person
Speaker 1: that this is the type of ownership where each person
Speaker 1: on the deed owns a specific percentage of the home.
Speaker 1: And so say for example, you and your your domestic partner,
Speaker 1: you put down more money than them, and you kind
Speaker 1: of feel like, well, I put that like seventy percent,
Speaker 1: So I want to own seventy percent of the home
Speaker 1: and I'm paying seventy percent of the mortgage. So with tenancy,
Speaker 1: a common you can say you own thirty percent, I
Speaker 1: own seventy percent, but then too they can still this.
Speaker 1: This ownership is not automatically transferred if somebody passes away,
Speaker 1: so you just have to be mindful of that, Like
Speaker 1: what will happen to your partner if something happens to you?
Speaker 1: And go ahead real quick?
Speaker 2: So where would you like what professional would it be?
Speaker 2: A real estate attorney? You would draft up like an
Speaker 2: ownership agreement? Because I remember I researched this for an
Speaker 2: article I wrote like probably a decade ago for y'allhoo finance,
Speaker 2: for how to buy a house with friends, because my
Speaker 2: friends and I were seriously we were so cute and
Speaker 2: thinking about buying a home all together. We're going to
Speaker 2: be friends forever.
Speaker 1: What are their names?
Speaker 2: Anyway, just kidding and anyway, so I wrote it was
Speaker 2: it was fascinating, but like I think at the time,
Speaker 2: it was, you know, get with a real estate attorney
Speaker 2: and at least draft up like a legal document so
Speaker 2: that you guys have everything written now, same as you
Speaker 2: and I sort of as a partnership, we wrote we
Speaker 2: wrote up our ownership agreement. We are a fifty to
Speaker 2: fifty partners here's what happens if so and so wants
Speaker 2: to leave, et cetera. But something similar for a domestic
Speaker 2: partnership as well.
Speaker 1: My absolutely, and especially if you're going to choose something
Speaker 1: like one of these ones and the last one is
Speaker 1: just sole ownership with one person owns and then but
Speaker 1: obviously that's not as ideal because it's like if you're
Speaker 1: not on the deed, but if you're not helping to
Speaker 1: pay expenses, maybe they're just kind of like living with you.
Speaker 1: But to Mandy's point, it's so important to sign. It's
Speaker 1: called a cohabitation agreement property agreement. Yeah, like what we're
Speaker 1: gonna do we're living together, and it just you want
Speaker 1: to think about everything, like you want to play out
Speaker 1: the scenarios, like what happens if you pass away, how
Speaker 1: will you sell it? If you decide to sell, who's
Speaker 1: paying the mortgage, who's responsible for what? Can you rent
Speaker 1: out your room? You want to think about all these
Speaker 1: things and you sit down with an attorney to create
Speaker 1: this agreement. And my one of my attorneys, orensea Ouga,
Speaker 1: shout out to you, hey, are he listens?
Speaker 2: Sometimes.
Speaker 1: I remember when I was doing my partnership agreement with
Speaker 1: my partner, at the time. My business partner Jabrill, he
Speaker 1: was like, it is ideal to create these partnerships when
Speaker 1: things are great, because one day, one day they might
Speaker 1: not be. And when they're not, you know, it's going
Speaker 1: to be very difficult to find like a common ground
Speaker 1: and then you're gonna have to do what the agreement said,
Speaker 1: and so you want to dig into the nitty gritty
Speaker 1: of it all if you decide to do that that way,
Speaker 1: if something does happen you break up, it's like, well,
Speaker 1: the agreement says I take half. You can pull out
Speaker 1: the equity and give me half. You can sell whatever
Speaker 1: that looks like. Because sometimes like even in business, it's
Speaker 1: like if we break up, you have to sell the company.
Speaker 1: That could be in your agreement, but you want to
Speaker 1: agree to that ahead of time, so you know, it's
Speaker 1: a little more complicated, but it's not impossible. People aren't
Speaker 1: doing it, but you want to make sure you do
Speaker 1: it in a way that you think of. Unfortunately, if
Speaker 1: something doesn't work out, this is what we're gonna do.
Speaker 2: Yeah, for sure, I.
Speaker 1: Know you're married, but would you ever consider like purchasing,
Speaker 1: like could you see yourself personally home with like you.
Speaker 2: Know, it's someone I wasn't. Yeah, I mean, I think
Speaker 2: domestic partnership is basically like we are a partner, like
Speaker 2: marriage is, I don't know, more biblical whatever. I feel
Speaker 2: like it's similar in terms of the commitment to one another.
Speaker 2: So yeah, absolutely, and I think that, you know, I've
Speaker 2: got a relative of mine who built a house and
Speaker 2: was you know, in their late twenties early thirties, and
Speaker 2: had a girlfriend, and together they decided that, you know,
Speaker 2: she wasn't going to be put on the mortgage. He
Speaker 2: did that himself. There was a big disparity in income,
Speaker 2: and also the way that he was paying for it
Speaker 2: was just kind of like messy, and they were all
Speaker 2: it took a long time to build the house, so
Speaker 2: the relationship was also like maturing. You know. They weren't
Speaker 2: talking about marriage yet or things like that, but they
Speaker 2: wanted to live together. So for now, she's not going
Speaker 2: to be listed on the mortgage, even though she's paying
Speaker 2: effectively rent paying part of the mortgage. However, they are discussing, like,
Speaker 2: you know, we're going to keep tabs of how much
Speaker 2: she's putting in and then determine some sort of like
Speaker 2: ownership stake that she'll have and then that'll you know,
Speaker 2: they can do that later. And I think for her
Speaker 2: own protection, especially if there's like an income disparity, I
Speaker 2: think it's only fair. You know, she's contributing and she's
Speaker 2: your partners, so they should. I think, if you have
Speaker 2: an income disparity, just don't be afraid to advocate for
Speaker 2: yourself and research what your options are so that if
Speaker 2: something goes sideways, you're not out in the cold with
Speaker 2: nothing to show for what you've invested or what you've
Speaker 2: poured into making that home a home.
Speaker 1: Yeah, So that sounds like the tendency in common, Like
Speaker 1: if one purchase and praise more, it's like you can
Speaker 1: literally say, okay, according to this, you know, twenty percent
Speaker 1: of the home is yours. Yeah, exactly. A results if
Speaker 1: we break up, you know, there's two options. We can
Speaker 1: sell and give you twenty percent, or I can just
Speaker 1: pull on equity and give you twenty percent. You know, like,
Speaker 1: so that's okay, that's good.
Speaker 2: Exactly exactly. We'll find out. I'm ready to buy another
Speaker 2: property's care, but I'm emotionally tied to this one. I
Speaker 2: don't know if I want to sell it or just
Speaker 2: front it out. I think this would be a great
Speaker 2: rental property.
Speaker 1: Yeah, your house is great.
Speaker 2: So we'll see. But I'm itching. My husband's itching for
Speaker 2: a rolex and I'm itching for a property. We'll see
Speaker 2: who wins.
Speaker 1: We didn't have a talk about girl. I have gone
Speaker 1: down the thing watch lane. You know me, I like
Speaker 1: some random like learnings, you know, okay, yeah, and so
Speaker 1: like I don't know, I just watched like random YouTube
Speaker 1: like documentaries about random things like hmm, the effects of
Speaker 1: plastic surgery on the healthcare. You know, like literally, I'll
Speaker 1: just say say, lately, there's like I didn't really understand
Speaker 1: watch culture for men because the last thing that I
Speaker 1: just wore the deep down rabbit hole about was luxury
Speaker 1: handbags for like, you know, women, and like you know
Speaker 1: how Burkin bags could be like fifty thousand miles sixty
Speaker 1: some crazy amount, ten thousand whatever, and so just learning
Speaker 1: about that and I was like wow, And even how
Speaker 1: Ermaz who makes burk and bags and Kellyes and things
Speaker 1: like that, that they have their marketing is top tier.
Speaker 1: If I tell you, oh, child, that do you know
Speaker 1: that in order to be offered to buy a bag
Speaker 1: for many people, you have to pre buy other Chotskis
Speaker 1: for thousands of dollars before they keep making even an
Speaker 1: offer for a bag that might not even be exactly
Speaker 1: what you want. You might you might go to Urmas
Speaker 1: and say I'm going to buy a scar for four
Speaker 1: hundred dollars and I'm to put my name down for like, hey,
Speaker 1: I'm now a new or Mess customer. And ideally, if
Speaker 1: a if a black Burken bag with gold hardware comes
Speaker 1: on the market, I'd love to be offered. And they're like,
Speaker 1: we'll see what else did you buy? You know, and
Speaker 1: so like a million of my niece like whenever I
Speaker 1: do havething nice for her, she go, that's nice and
Speaker 1: what else? And so her message like that, it's like,
Speaker 1: oh I bought a scarf and what else? And I
Speaker 1: bought a card holder and what else? And I bought so,
Speaker 1: you know, you rack up your bills and then they're like, Mandy, lucky,
Speaker 1: you booboo. Your bad came in. You're like, oh my god,
Speaker 1: my black Burken with the gold hardware. No, you're Black
Speaker 1: Burken with the palladium hardware. You're like close enough here,
Speaker 1: fifteen thousand dollars. Can you imagine?
Speaker 2: It? Sounds like how Enrique described the Rolex business. To me,
Speaker 2: that's the gid in line to get the honor. That's
Speaker 2: why the secondhand market is so popping, Like.
Speaker 1: Yes, So I was like so I didn't know because
Speaker 1: I was like, how silly. And then I've gone down
Speaker 1: the rabbit hole of like the luxury watches, and it's
Speaker 1: the same. I said, you know these men, you know
Speaker 1: I'm not a luxury handbag girl, but these men will
Speaker 1: all talk about you women wasting your money on luxury handbags.
Speaker 1: Look how they got you. And the watch market is
Speaker 1: literally the same. You have to buy this, this and this,
Speaker 1: and maybe you get offered and maybe it's crazy. I
Speaker 1: didn't know how much power like it's the same as
Speaker 1: the bag thousands, Like oh.
Speaker 2: Down payment on a house, that's what I mean. So
Speaker 2: we gonna see who wins because the lady, we know,
Speaker 2: can I stretch out in that Can I tuck myself
Speaker 2: into that well? That put a roof over my children's head?
Speaker 1: Oh my God.
Speaker 2: For me and my my dreams.
Speaker 1: Maybe said that's what we gonna see who wins. It's
Speaker 1: just like how long before I win? How long before
Speaker 1: we're both gonna win? He's gonna get the Rolex I'm
Speaker 1: going to get the next house and an income property.
Speaker 1: It's just a matter of like who's gonna get it first.
Speaker 2: You know what I'm saying, That's all. What I've said
Speaker 2: so far is that I've I've manipulated this situation so
Speaker 2: that I've got him thinking anytime that we don't order
Speaker 2: out for dinner, he can put fifty bucks into his
Speaker 2: rolex savings account, which is helping me because homeboy needs
Speaker 2: to cook more and I'm sick of ordering out all
Speaker 2: the time. It's expensive, like seventy you were talking about
Speaker 2: tipping culture anyway, So I've got him saving more.
Speaker 1: Oh look at that. See you are use a real wife, girl, because.
Speaker 2: He goes toward the rolex were a downpat you.
Speaker 1: Fell it, my mama. You know you can tell you've
Speaker 1: been married for a while because like at the beginning,
Speaker 1: you know, when you're a new wife, you just be
Speaker 1: fussing like when you're old gee wife, You're like, how
Speaker 1: about this? How about every time girl look at me
Speaker 1: and be wifing it down.
Speaker 2: He's like, Wow, she really values what I value and
Speaker 2: she really respects my watch lug.
Speaker 1: It's like, chah, okay, just put that fifty hours up.
Speaker 2: So you can put whatever name you want on that
Speaker 2: ally savings account. Baby, money is money. Okay, to take
Speaker 2: a break in dow the next question. Okay, I was
Speaker 2: quite a tangent. I love it though. All right, BF
Speaker 2: will be right back with another one of your juicy questions. Okay,
Speaker 2: BA family are back with our second incredible question from
Speaker 2: one of our listeners. Actually a Mandy moneymaker who wants
Speaker 2: to remain anonymous, but slid into my email. So I
Speaker 2: got you.
Speaker 1: And then moneymaker. Let's call her.
Speaker 2: Hmm, let's just you always put me on the spot.
Speaker 2: Let's call her No, okay, because I'm like, let's her names?
Speaker 2: So I was looking at right, No, but guess.
Speaker 1: Too obvious girl like. Let her name is Tippy. Let's
Speaker 1: go her tip like girl out her boss. It's you ful,
Speaker 1: so Emani come that part. I'm af lose her whole job.
Speaker 1: All right, Let's call her marabel Ooh Marabelle.
Speaker 2: A little yeah, it's a little incanto action here, all right,
Speaker 2: Marrabelle says Mandy. Thank you for your awesome scripts that
Speaker 2: have been I think use as a guideline to ask
Speaker 2: for a raise. Unfortunately, I received word from the manager
Speaker 2: today that my request has been denied. Let me give
Speaker 2: you a little backstory. I'm a licensed practical nurse with
Speaker 2: a total medical professional background of over twenty years. I
Speaker 2: climb the educational ladder and work the subsequent jobs on
Speaker 2: the way up. I work in Virginia and I'm about
Speaker 2: thirty to forty five minutes away from the city of
Speaker 2: Virginia Beach. I'm forty eight years old, which puts me
Speaker 2: closer to my retirement years, and my one and only
Speaker 2: child just turned twenty one two weeks ago and is
Speaker 2: no longer at home. So my current career goal is
Speaker 2: to finish my bachelor's in Health science degree, but I
Speaker 2: don't know what I want to do with it just yet.
Speaker 2: I know the degree will allow me to stay in
Speaker 2: the medical field, but not necessarily tied down to just nursing.
Speaker 2: I have a strong desire to go into travel nursing,
Speaker 2: which will definitely increase my earnings potential. Something's holding me back,
Speaker 2: and I can't bring myself to quit the job I
Speaker 2: have and leave home. I've been with the company for
Speaker 2: ten years. I enjoyed my job just seventy five percent
Speaker 2: of the time. Stability is very important to me, and
Speaker 2: I don't want to have regrets thinking I should have
Speaker 2: stayed where I was at. As you can see, I
Speaker 2: didn't mention any other family. Both my parents have passed
Speaker 2: away and I'm divorced. This sounds like a really good
Speaker 2: email for brand ambition, Q and A. And I don't
Speaker 2: mind if you want to share it there, but keep
Speaker 2: me anonymous. I got you, Mariveelle, Okay, But I was
Speaker 2: fascinated by this question one because the trohole travel nursing
Speaker 2: thing became so lucrative. Maybe it always has been lucrative,
Speaker 2: but especially during the pandemic, A lot of medical lot
Speaker 2: of nurses actually got so burned out by the just
Speaker 2: the work environment during the pandemic, and travel nursing became
Speaker 2: this way out, like I can still do what I
Speaker 2: am trained to do. But if you have a flexible
Speaker 2: enough lifestyle, like you don't have, like this person, for example,
Speaker 2: be the perfect candidate. You don't have a child at
Speaker 2: home that you're caring for, no spouse, so you can
Speaker 2: get up and move excuse me, and go wherever you
Speaker 2: may be needed as a travel nurse. And these hospitals
Speaker 2: pay big money to have not just traveling nurses. One
Speaker 2: of my Mandy money makers is a general surgeon. She's
Speaker 2: making almost four hundred thousand dollars a year as a
Speaker 2: general surgeon in the South, and she tells me that
Speaker 2: there are she is on a team where there's traveling surgeons,
Speaker 2: like and they pay way more what for the traveling surgeons.
Speaker 2: That's her issue. She's like, I'm here, I'm being loyal.
Speaker 2: I'm getting paid peanuts compared to these traveling surgeons who
Speaker 2: you're more than happy to pay for like a six
Speaker 2: month contract to come in and swoop in and swoop out. Anyway,
Speaker 2: So I get what she's saying about the like earnings
Speaker 2: potential of you know, becoming a traveling nurse and the
Speaker 2: fact that she just asked for a raise using my
Speaker 2: negotiation scripts, but you know, got the request was denied.
Speaker 2: And one of this is one of the reasons why
Speaker 2: I like to push people just to ask the question,
Speaker 2: because if you're someone who's in a nine to five
Speaker 2: and you're like, man, you know, if I just keep
Speaker 2: you know, if I just stay here, I'll get that raise,
Speaker 2: I'll get this, and that if you ask, you'll find
Speaker 2: out a lot sooner than just waiting for them to
Speaker 2: you know, tell you or not tell you and then
Speaker 2: you can make it like an informed decision. So they've
Speaker 2: told you, with all your experience, twenty years in the business,
Speaker 2: with the ten years that you've given them, that your
Speaker 2: loyalty is not worth more to them than what they're
Speaker 2: paying you right now, Like they've told you that now.
Speaker 2: So I feel like you've got the information that you
Speaker 2: have that should make you feel a little bit freer
Speaker 2: to definitely make a move. You know, you enjoy your
Speaker 2: job seventy five percent of the time is a lot.
Speaker 2: I feel like that's like how much I think for
Speaker 2: a regular you know, working in nine to five, Like,
Speaker 2: how many of you can say you enjoy your job
Speaker 2: three fourths of the times? That's pretty good.
Speaker 1: But what do you like?
Speaker 2: What is it about the stability that you're craving And
Speaker 2: how can you create that sense of stability in your
Speaker 2: new chapter? You know, whether it's at a traveling nurse
Speaker 2: or somewhere else, you have to think of yourself as
Speaker 2: your own job stability, Like no one can take away
Speaker 2: your twenty years of experience. No one can take away
Speaker 2: And I'm telling you these nurses and these medical professionals,
Speaker 2: y'all continue to educate yourselves forever. Y'all really like school,
Speaker 2: and y'all go back for more degrees, and they can't
Speaker 2: take that education away from you either. And there's a
Speaker 2: lot that you could do with those skills. So even
Speaker 2: if you were to leave this place, you know, ten
Speaker 2: years in and try travel nursing for a year to
Speaker 2: see how it is, if you decide that you don't
Speaker 2: like it, which you are more than like, you're more
Speaker 2: it's okay for you to pivot into something new and
Speaker 2: decide you don't like it. You know, if you decide like,
Speaker 2: they can't take away that work experience, and you've got
Speaker 2: such applicable skills to you could go to any hospital,
Speaker 2: you know, any any you know, health care facility, maybe
Speaker 2: consult or you know, do nursing in some other way,
Speaker 2: or teach or whatever it may be. You have so
Speaker 2: many skills, and that, for me is what is creating
Speaker 2: stability for you, Not so much just the fact that
Speaker 2: you're employed, you know right now, and you've got you know,
Speaker 2: you know sort of where you're going to go each
Speaker 2: day for work. And I feel like at forty eight,
Speaker 2: like this this is how I kind of hope I
Speaker 2: can be once. I mean, I'm not going to stop
Speaker 2: being like flexible and trying new things now that I
Speaker 2: have young children. But I also feel like you did
Speaker 2: you know, your kids out the house and it's just you yourself,
Speaker 2: and you so like, way, yeah, why not take a
Speaker 2: little bit of a risk right now? The only person
Speaker 2: who you seem to be, you know, needing to convince
Speaker 2: as yourself that you can do that. And if you're
Speaker 2: looking for permission, we have our magic permission. Wand yeah,
Speaker 2: I don't know why I whipped it, can I just
Speaker 2: I just want to say, like, I get it.
Speaker 1: It's somebody who sometimes feels very risk adverse. Let's deriskify
Speaker 1: this thing that you're saying. One, you are literally in
Speaker 1: one of the most in demand professions, like no demand.
Speaker 1: I mean back in the day. My mother was a
Speaker 1: nurse for many years. She retired a few years ago.
Speaker 1: But they back in the day, I don't know if
Speaker 1: you notice made it, they used to literally fly to
Speaker 1: Jamaica to try to recruit women, to come over Africa
Speaker 1: to recruit women because nursing has been in demand for
Speaker 1: so long and especially during COVID and especially post COVID.
Speaker 1: So this is a profession with the job security is
Speaker 1: baked into the foolishness of this country just because of
Speaker 1: all that we know for real, because sometimes like I
Speaker 1: get it, it's like it sounds good, but it's like
Speaker 1: then for me, I'm like, how do I derisk afy
Speaker 1: my fear? It's like, one, let's be real, I'm in
Speaker 1: a profession. We're girl. I can throw a rock and
Speaker 1: hit a hospital that's like yes, please, please please, So
Speaker 1: let's say tell yourself that too. I would talk to
Speaker 1: other nurses so I can get real clear on like
Speaker 1: it's real cute out here, Like how cute? Like how
Speaker 1: much cute? Like real cute cute? How Like how quickly
Speaker 1: were you able to get cute about you know what
Speaker 1: I mean? So getting a better understand of like what
Speaker 1: does the money really look like how quickly you can
Speaker 1: make it with people who are in your position, who
Speaker 1: have your level of education, who have your level of experience,
Speaker 1: like gather as much details as possible so you can
Speaker 1: then feel more comfortable Like, Okay, Saratanya, Tiffany Mandy are
Speaker 1: similar to me, and they're actually making more than I am.
Speaker 1: They're going to make this connection for me to this,
Speaker 1: like you know, agency, I can pretty start much start
Speaker 1: right away, worst case scenario, because I'm a nurse. Let's
Speaker 1: be real, I know I can go someplace else and
Speaker 1: work someplace else, even though I'm what I'm saying really
Speaker 1: is I'm comfortable here. But the truth is I'm in
Speaker 1: a safe position just by nature of the of the
Speaker 1: industry that I'm in. You know, and then once you
Speaker 1: get those numbers, start dreaming about like what that additional
Speaker 1: income can do for you, you know, like you know,
Speaker 1: can you go on more vacations? You know, will you
Speaker 1: be able to help your kid not have if they're
Speaker 1: in school? You know, I don't know, because they're twenty
Speaker 1: one now, so maybe they've graduated. Like what would that
Speaker 1: money do? Like dreamscape a little. So that's what I
Speaker 1: would say, de risk ify and then dreamscape. But what
Speaker 1: that extra money can do for you?
Speaker 2: Risk ify?
Speaker 1: Yeah, because some as I need that. I'm just like, wait,
Speaker 1: I'm skined. I'm scared. I'm scared scined. Like I'm like, Okay,
Speaker 1: what are you scared of? I'm scared of. My team
Speaker 1: is gonna say, if you listen to our episode on Wednesday.
Speaker 1: Prior to this, I'm making a transition in the Budgetista
Speaker 1: to really become a business that creates insights for companies
Speaker 1: that want to speak to black women, and I'm like,
Speaker 1: I'm scared. I'm scared. What are you scared about? I'm
Speaker 1: scared that my team is gonna leave and they're gonna
Speaker 1: be mad at me. Da da da. I was scared
Speaker 1: about that. But then I looked at my team and
Speaker 1: I thought to myself, everybody here is so awesome, and
Speaker 1: I de riskified by talking myself through it, pulling them
Speaker 1: aside individually, telling them as a group, and everybody was
Speaker 1: like yes, girl. I'm like, oh, what else are you
Speaker 1: scared about, Tiffany, about making a transition? What if you
Speaker 1: make enough money? I started to talk to people in
Speaker 1: corporate to say, would you be interested in in insights
Speaker 1: like this. I have already gotten like two or three
Speaker 1: people who were like tentatively put me down as a client.
Speaker 1: I was like, okay, and so I'm de risk affying
Speaker 1: because I'm actually really risk adverse. People think that I'm like, oh,
Speaker 1: I'm out here leaping now, girl, And then as a
Speaker 1: result of that, now I could take the leap. There's
Speaker 1: still a leap to be taken, but I have minimized
Speaker 1: the risk as much as possible before doing so, so
Speaker 1: we you know, what is it. Maddie Bell, Maddie Bell, girl, girl,
Speaker 1: ring that bell, Maddie Bell.
Speaker 2: You're right, it's like put a name to the fear
Speaker 2: and like actually look at the facts and let the
Speaker 2: facts fight the fear. Like, you know, if you're exactly
Speaker 2: like what you said, if you're worried about how much
Speaker 2: money can I make? I don't know, find some answers,
Speaker 2: you know, so you can put together a real plan.
Speaker 2: But I also feel like the time freedom if you
Speaker 2: controlled your schedule, and it reminded me immediately, like I
Speaker 2: think the woman who helped me deliver my son, Remy,
Speaker 2: I think she was a traveling nurse. She was retiring age,
Speaker 2: retirement age. She was so sweet. I think her name
Speaker 2: was Bonnie, And I just got lucky because one day
Speaker 2: a month she showed up for that hospital. She's like, yeah,
Speaker 2: I'm contracted to come here one day a month. And
Speaker 2: she basically left travel like for the flexibility, and now
Speaker 2: they bring her back just as a contractor, you know,
Speaker 2: which is basically a traveling nurse exactly. So think about
Speaker 2: what if you leave, leave because they show you that
Speaker 2: they're not you're not worth more, whether it's you get
Speaker 2: a competing offer somewhere else to prove that you're worth more,
Speaker 2: and you leave, you become a traveling nurse, and then
Speaker 2: they're like, we want you back. And at this time
Speaker 2: you feel more confident about traveling and doing freelance, so
Speaker 2: you're like, okay, I'll come back for three days a month,
Speaker 2: and you know you can pay me triple what you
Speaker 2: were paying me before hourly. But Bonnie was just living
Speaker 2: her best life. She's like, yeah, I come when I
Speaker 2: want to.
Speaker 1: I love it.
Speaker 2: And then I go off to the you know, the countryside,
Speaker 2: and and you know, me and my husband have a
Speaker 2: great little quiet life, so yeah, I love it. What
Speaker 2: Tip said about g risk of fying and also dreamscaping
Speaker 2: and imagining not what you'd be losing but what you
Speaker 2: could be gaining. Yes, by starting a new chapter, love
Speaker 2: that for you.
Speaker 1: If you want us to love stuff for you, go
Speaker 1: ahead on over and ask your question. Go to the
Speaker 1: brandambission dot com, so Brownambition dot com, brandabision podcast, I'm
Speaker 1: sorry dot com, contact us, ask questions there, Email us
Speaker 1: at Brown Ambition Podcast at gmail dot com. Ask questions there,
Speaker 1: Brown Ambition Podcast on ig slide into the d MS
Speaker 1: and follow us the BA podcast on Twitter. Same slide
Speaker 1: into the d MS, and you know we're here. We're
Speaker 1: two smart brown girls. You know we're not your mama
Speaker 1: and your cousin, your financial advisor, but we are your
Speaker 1: fabe financial brown girls. Okay, we know a little something
Speaker 1: one or two, but always take our advice with the
Speaker 1: small screen assault and lead into the people that you
Speaker 1: pay for. The final say, but until next week. I
Speaker 1: like that. I know that was a bar that I'm
Speaker 1: gonna quickly forget.
Speaker 2: Meanwhile, they're like, but you just answered two questions that
Speaker 2: came to Mandy's email into your DM, So what are
Speaker 2: you really telling us? Okay, rewarded?
Speaker 1: All right, y'all next week. We'll see you guys next week. Bye.
Speaker 2: By