1 00:00:00,080 --> 00:00:03,160 Speaker 1: Hey, Hey, baf fam, I have been waiting to tell you, guys. 2 00:00:03,200 --> 00:00:06,960 Speaker 1: I have been sitting on this news forever. But for 3 00:00:07,040 --> 00:00:11,400 Speaker 1: the first time in Brand Ambition history, we are going live, y'all. 4 00:00:11,400 --> 00:00:14,480 Speaker 1: We are going to be live from Newark, New Jersey. 5 00:00:14,560 --> 00:00:18,360 Speaker 1: It is all happening October tenth at six pm. If 6 00:00:18,400 --> 00:00:21,239 Speaker 1: you want to get tickets now, tickets are limited. We 7 00:00:21,320 --> 00:00:24,440 Speaker 1: picked the best venue. It's a historic black owned bookstore 8 00:00:24,480 --> 00:00:27,840 Speaker 1: in Newark, but seating is limited. This is going to 9 00:00:27,880 --> 00:00:31,720 Speaker 1: be an intimate evening with me and Tiffany live in person. 10 00:00:32,200 --> 00:00:34,640 Speaker 1: It may be the only chance y'all get I'm not 11 00:00:34,680 --> 00:00:38,720 Speaker 1: gonna lie to see us together live in twenty twenty four, 12 00:00:38,880 --> 00:00:40,919 Speaker 1: So please come get your tickets. We want to make 13 00:00:40,920 --> 00:00:45,320 Speaker 1: sure that the crowd is packed with true be a family. Okay, 14 00:00:45,760 --> 00:00:48,720 Speaker 1: So if you want to get tickets, run, don't walk. 15 00:00:48,920 --> 00:00:52,320 Speaker 1: Run to Brown Ambition podcast dot com to get the 16 00:00:52,360 --> 00:00:55,160 Speaker 1: link right there and let us know that you're coming. 17 00:00:55,720 --> 00:00:58,480 Speaker 1: Tag us, send us your receipts, send us your order. 18 00:00:58,560 --> 00:01:01,400 Speaker 1: Maybe we'll send you some BA wag. We'll have some 19 00:01:01,480 --> 00:01:04,240 Speaker 1: BA swag at the event. Even we are going to 20 00:01:04,319 --> 00:01:08,880 Speaker 1: be celebrating nine years of the show, y'all. Nine years. 21 00:01:08,920 --> 00:01:12,200 Speaker 1: We're like geriatric podcasters in the very best way. But 22 00:01:12,280 --> 00:01:14,840 Speaker 1: we cannot wait to see y'all in Newark. So go 23 00:01:14,880 --> 00:01:17,880 Speaker 1: ahead Brown Ambition podcast dot Com to get your tickets 24 00:01:17,880 --> 00:01:21,399 Speaker 1: to see me and Tiffany live for Brown Ambition Live 25 00:01:21,560 --> 00:01:23,959 Speaker 1: in Newark, New Jersey. It's all going down. Like I 26 00:01:24,000 --> 00:01:27,520 Speaker 1: said October tenth, get your tickets again at Brown Ambition 27 00:01:27,680 --> 00:01:34,880 Speaker 1: podcast dot com. 28 00:01:35,240 --> 00:01:39,000 Speaker 2: It's time. Oh the b a qa a to b 29 00:01:39,120 --> 00:01:41,880 Speaker 2: a q a. What you say the b a q 30 00:01:42,160 --> 00:01:45,440 Speaker 2: It was me good to be aq with Tiffany the 31 00:01:45,480 --> 00:01:51,320 Speaker 2: b big qa a. Hey, maje are you doing girl? Hi? Oh? 32 00:01:51,320 --> 00:01:51,680 Speaker 2: What is said? 33 00:01:51,680 --> 00:01:56,840 Speaker 1: The Remy wiggles oh immediately when he talks when someone 34 00:01:56,920 --> 00:01:58,960 Speaker 1: answers the phone and they smile at him, He's. 35 00:01:58,840 --> 00:02:03,480 Speaker 2: Like, Okay, I love that. 36 00:02:06,760 --> 00:02:09,360 Speaker 1: Oh man, I'm trying not to think about how many 37 00:02:09,400 --> 00:02:10,720 Speaker 1: ba qas are left. 38 00:02:11,280 --> 00:02:18,160 Speaker 2: Oh, I gotta sing on my own. If you're wondering 39 00:02:18,160 --> 00:02:20,720 Speaker 2: what we're talking about, check out our last episode. We 40 00:02:20,840 --> 00:02:24,240 Speaker 2: had some big news. It's some sad news but also 41 00:02:24,240 --> 00:02:29,239 Speaker 2: exciting news too about the future of the show. So yeah, 42 00:02:29,240 --> 00:02:32,079 Speaker 2: you should listen to it. But if you're here for 43 00:02:32,120 --> 00:02:35,400 Speaker 2: Branna Bishen question to answer, you have questions, We have answers, 44 00:02:35,440 --> 00:02:37,600 Speaker 2: but not the kind of answers that you could sue 45 00:02:37,680 --> 00:02:41,239 Speaker 2: us for, because this is for entertainment purposes only, right 46 00:02:42,040 --> 00:02:43,880 Speaker 2: that you're going to take what we say with the 47 00:02:43,919 --> 00:02:46,400 Speaker 2: smallest grain of salt, because essentially we're just talking to 48 00:02:46,400 --> 00:02:48,240 Speaker 2: each other. And if you want to do what you 49 00:02:48,280 --> 00:02:50,680 Speaker 2: want to do, I suggest that you will lean on 50 00:02:50,720 --> 00:02:54,880 Speaker 2: over to your lawyer attorney. You're a doctor, your lawyer, whoever, 51 00:02:55,960 --> 00:02:58,080 Speaker 2: And yet you know you're just like I had heard. 52 00:02:58,120 --> 00:02:59,800 Speaker 2: But what do you think to the person that you 53 00:02:59,800 --> 00:03:00,679 Speaker 2: paid professionally? 54 00:03:01,240 --> 00:03:06,480 Speaker 1: Okay, today we got money questions, a couple of like 55 00:03:06,639 --> 00:03:11,920 Speaker 1: juicy ones. Let's start to miss Tiffany. The Budgetnista alich 56 00:03:14,320 --> 00:03:19,040 Speaker 1: Angara from IG has an interesting question about budgeting. She says, 57 00:03:19,400 --> 00:03:21,800 Speaker 1: I try to pay for everything with my rewards credit 58 00:03:21,800 --> 00:03:24,040 Speaker 1: cards and pay off the balance in full every month. 59 00:03:24,160 --> 00:03:26,800 Speaker 1: My question is should I have a separate section in 60 00:03:26,840 --> 00:03:30,760 Speaker 1: my budget for credit cards credit card payments? Or is 61 00:03:30,840 --> 00:03:33,680 Speaker 1: that redundant since the amount on my credit cards is 62 00:03:33,760 --> 00:03:36,800 Speaker 1: reflected in other areas of my budget. 63 00:03:38,200 --> 00:03:41,360 Speaker 2: Oh, I see what she's saying. Yes, I'm gonna I'm gonna. 64 00:03:41,720 --> 00:03:43,480 Speaker 2: I like that name. That's a cool name. I do too. 65 00:03:44,120 --> 00:03:46,320 Speaker 1: All right, miss budgetista, what do you have to say 66 00:03:46,320 --> 00:03:47,280 Speaker 1: about this budgeting question? 67 00:03:47,480 --> 00:03:49,920 Speaker 2: Well, Ana, this question actually comes up more than you 68 00:03:49,960 --> 00:03:54,040 Speaker 2: would think, so really when it comes to credit cards. 69 00:03:54,400 --> 00:03:58,520 Speaker 2: So the only for you in particular a since you're 70 00:03:58,520 --> 00:04:02,040 Speaker 2: paying here for credit card in full, and it's specifically 71 00:04:02,120 --> 00:04:05,120 Speaker 2: for things that you you know, like oh you might 72 00:04:05,160 --> 00:04:08,680 Speaker 2: put your rent on there, your mortgage, your light bill, 73 00:04:08,760 --> 00:04:12,120 Speaker 2: your electric bill, that's already reflected in your budget, so 74 00:04:12,160 --> 00:04:15,640 Speaker 2: you don't have to reflect it under credit cards. So 75 00:04:15,680 --> 00:04:18,200 Speaker 2: typically when this is what I tell people, if they're 76 00:04:18,240 --> 00:04:20,120 Speaker 2: going to have like a line item that says credit card, 77 00:04:20,560 --> 00:04:24,240 Speaker 2: it's credit card debt that you're paying off, you know, 78 00:04:24,440 --> 00:04:28,640 Speaker 2: not you actively putting putting a let's just say your 79 00:04:28,680 --> 00:04:30,600 Speaker 2: light bill. You put your light bill on your credit 80 00:04:30,680 --> 00:04:32,719 Speaker 2: card and you pay it off every month. That doesn't 81 00:04:32,760 --> 00:04:35,960 Speaker 2: need to be reflected as a credit card expense because 82 00:04:35,960 --> 00:04:38,080 Speaker 2: it's not really a credit card expense. It's your light bill, 83 00:04:38,279 --> 00:04:41,320 Speaker 2: which you already have in this one line item up here. Now, 84 00:04:41,400 --> 00:04:43,280 Speaker 2: if you came to me and we were doing your budget, 85 00:04:43,680 --> 00:04:45,440 Speaker 2: we would have light bill, all your other bills, and 86 00:04:45,480 --> 00:04:47,919 Speaker 2: we would have credit card. If you just owed a 87 00:04:48,040 --> 00:04:50,920 Speaker 2: balance on it, you know, and then that's when you 88 00:04:50,960 --> 00:04:54,200 Speaker 2: would have it like as two separate things. So I'm 89 00:04:54,200 --> 00:04:55,960 Speaker 2: gonna want I love the way you're using your credit 90 00:04:55,960 --> 00:04:59,480 Speaker 2: card because it's cute. Girl. You know, I am a 91 00:04:59,520 --> 00:05:02,520 Speaker 2: credit ca our point Girly, that's how you made it. 92 00:05:02,560 --> 00:05:05,880 Speaker 2: How most recently, I was very very philanthropic with my 93 00:05:05,920 --> 00:05:06,840 Speaker 2: credit card points. 94 00:05:07,080 --> 00:05:08,400 Speaker 1: How did you donate them? 95 00:05:08,880 --> 00:05:11,719 Speaker 2: Yes? I donated them. So a friend of mine sadly 96 00:05:12,680 --> 00:05:16,720 Speaker 2: their their parent was not doing well and it was 97 00:05:16,760 --> 00:05:20,120 Speaker 2: a parent that lived in another country, and so you know, 98 00:05:20,320 --> 00:05:22,360 Speaker 2: we had talked about it earlier, like in the summer, 99 00:05:22,400 --> 00:05:24,080 Speaker 2: and I was like, you should go. They're like, honestly, 100 00:05:24,120 --> 00:05:26,840 Speaker 2: the cost it's not cheap, you know, to fly. It 101 00:05:26,880 --> 00:05:28,880 Speaker 2: was them, their spouse and their child. They were like, 102 00:05:29,240 --> 00:05:31,479 Speaker 2: you know, like we said that we wanted to come, 103 00:05:31,839 --> 00:05:35,400 Speaker 2: but you know, my parent was like, uh not right now, 104 00:05:35,520 --> 00:05:38,039 Speaker 2: not right now. You know, I'm gonna I think like 105 00:05:38,240 --> 00:05:40,600 Speaker 2: they had cancer and they were like, you know, I 106 00:05:40,720 --> 00:05:42,039 Speaker 2: let me just you know, let me get back on 107 00:05:42,040 --> 00:05:43,640 Speaker 2: my feet or whatever. But then it just took a 108 00:05:43,680 --> 00:05:47,599 Speaker 2: turn and I was like, honestly, girl, you know you 109 00:05:47,680 --> 00:05:50,880 Speaker 2: will regret not going to see your mom. I mean, 110 00:05:51,240 --> 00:05:53,000 Speaker 2: you just got to go. See your mom, like, what 111 00:05:53,080 --> 00:05:56,000 Speaker 2: can you do? And so I told them, I said, 112 00:05:56,800 --> 00:05:58,479 Speaker 2: you know, they were like, She's like, I have enough 113 00:05:58,480 --> 00:06:00,000 Speaker 2: money for me to go, but I would really love 114 00:06:00,720 --> 00:06:02,840 Speaker 2: but you know, that was the struggle. So she was like, well, 115 00:06:02,839 --> 00:06:05,240 Speaker 2: I'm just gonna go because obviously it's my mom. And 116 00:06:05,279 --> 00:06:07,960 Speaker 2: I was like, well, I have points and I can 117 00:06:08,000 --> 00:06:09,719 Speaker 2: fly the three of y'all out on my points. I 118 00:06:09,720 --> 00:06:13,040 Speaker 2: had so many on my American Express because, like you Angada, 119 00:06:13,480 --> 00:06:15,680 Speaker 2: the way I use my American Express is then it 120 00:06:15,800 --> 00:06:19,640 Speaker 2: is my business card, and so all things business flow 121 00:06:19,680 --> 00:06:22,799 Speaker 2: through the American Express. So the points accumulate very quickly, 122 00:06:23,880 --> 00:06:27,800 Speaker 2: and I had seven hundred thousand American Express points. Now 123 00:06:27,800 --> 00:06:31,960 Speaker 2: here is the caveat I if I would have so 124 00:06:33,279 --> 00:06:36,960 Speaker 2: thank god for Instagram and TikTok because they have taught 125 00:06:36,960 --> 00:06:40,160 Speaker 2: me how to maximize the point. So if I would 126 00:06:40,160 --> 00:06:43,200 Speaker 2: have gone to American Express directly and said, hey, I 127 00:06:43,240 --> 00:06:46,559 Speaker 2: want you to book these three flights from the United 128 00:06:46,560 --> 00:06:51,080 Speaker 2: States to this European country, American Express would have said, okay, 129 00:06:51,160 --> 00:06:53,440 Speaker 2: it's seven hundred and fifty thousand points. So it would 130 00:06:53,480 --> 00:06:55,880 Speaker 2: have they would have used all my points, plus it 131 00:06:55,920 --> 00:06:59,680 Speaker 2: would have also it would also cost me be like, 132 00:06:59,680 --> 00:07:01,360 Speaker 2: I don't know, like you know, five hundred dollars out 133 00:07:01,400 --> 00:07:04,720 Speaker 2: of pocket or something like that, right, But because of 134 00:07:04,760 --> 00:07:07,880 Speaker 2: TikTok and Instagram, I'd recently been seeing like, you know, 135 00:07:07,880 --> 00:07:09,920 Speaker 2: how to maximize your points, how to maximize your points, 136 00:07:10,280 --> 00:07:13,200 Speaker 2: And there were all these creators who were like specifically 137 00:07:13,200 --> 00:07:16,600 Speaker 2: for an American Express, there's a website called point dot Me 138 00:07:17,800 --> 00:07:20,040 Speaker 2: and normally you paid like ten bucks a month or whatever, 139 00:07:20,120 --> 00:07:23,080 Speaker 2: but they recently partnered with American Express. I don't partner 140 00:07:23,120 --> 00:07:25,920 Speaker 2: with the R. I'm just feel serou. They recently partnered 141 00:07:25,920 --> 00:07:28,440 Speaker 2: with American Express and they said, if you have a 142 00:07:28,480 --> 00:07:31,240 Speaker 2: Platinum Card, which my business card is, you actually get 143 00:07:31,280 --> 00:07:33,800 Speaker 2: point dot me a membership for free. And I was 144 00:07:33,840 --> 00:07:36,160 Speaker 2: like okay, And so point got Me is a website 145 00:07:36,160 --> 00:07:38,840 Speaker 2: that somebody created external to American Express, but I guess 146 00:07:38,840 --> 00:07:41,240 Speaker 2: they partnered or brought them out. And you can go 147 00:07:41,280 --> 00:07:45,360 Speaker 2: in and say, hey, I have this many points and 148 00:07:45,400 --> 00:07:47,800 Speaker 2: I want to go from here to here? How do 149 00:07:47,880 --> 00:07:50,840 Speaker 2: I maximize how? When I tell you it went from 150 00:07:50,920 --> 00:07:53,040 Speaker 2: if I would have booked directly on American Express from 151 00:07:53,080 --> 00:07:55,440 Speaker 2: seven hundred and fifty thousand points basically all my points 152 00:07:55,680 --> 00:07:58,880 Speaker 2: to for three people Mandy if they flew Air Canada, 153 00:07:59,200 --> 00:08:01,320 Speaker 2: because Air Canada I had some special because point me 154 00:08:01,400 --> 00:08:04,120 Speaker 2: figures out the algorithm to two hundred and fifty thousand 155 00:08:04,120 --> 00:08:07,400 Speaker 2: points for the three of them around trip. So it 156 00:08:07,520 --> 00:08:10,120 Speaker 2: was like such right, and so it's like I saved 157 00:08:10,200 --> 00:08:13,560 Speaker 2: five hundred thousand points. All three of them could go there, 158 00:08:13,680 --> 00:08:16,440 Speaker 2: am back, and it was such a blessing. And she 159 00:08:16,520 --> 00:08:20,080 Speaker 2: went and you know, like many times when people like 160 00:08:20,120 --> 00:08:23,840 Speaker 2: are in hospice, they rally right before they passed away. 161 00:08:23,880 --> 00:08:25,840 Speaker 2: So she was actually a really great spirits talking and 162 00:08:25,920 --> 00:08:29,040 Speaker 2: laughing and eating cheesecake and all this stuff. And then 163 00:08:29,320 --> 00:08:32,040 Speaker 2: while they was while they were there, three days later 164 00:08:32,080 --> 00:08:33,480 Speaker 2: of them landing, she passed away. 165 00:08:34,280 --> 00:08:37,600 Speaker 1: But to me, god, they got to see her, I mean. 166 00:08:37,559 --> 00:08:40,559 Speaker 2: Right, and who wants to be there by yourself if 167 00:08:40,600 --> 00:08:43,560 Speaker 2: you you know? And so I just thought to myself, 168 00:08:43,720 --> 00:08:46,600 Speaker 2: like to so even as like you know, because sometimes 169 00:08:46,600 --> 00:08:49,080 Speaker 2: we're like I'm not gonna lie. I have become my mother. 170 00:08:49,480 --> 00:08:52,320 Speaker 2: Where any any place where I can collect points, whether 171 00:08:52,400 --> 00:08:56,400 Speaker 2: it's the supermarket, whether it's the hotel, whether it's the airline, 172 00:08:56,480 --> 00:08:59,120 Speaker 2: I collect them sometimes not even for me, because I 173 00:08:59,160 --> 00:09:00,959 Speaker 2: just don't know when somebody might need it, I'm not 174 00:09:01,000 --> 00:09:03,280 Speaker 2: gonna lie like I'm like the point purveyor, I'm like, 175 00:09:03,280 --> 00:09:06,240 Speaker 2: who is points? And so I felt so good about it. 176 00:09:06,320 --> 00:09:10,080 Speaker 1: Here, baby, can get your pocketbook out. 177 00:09:10,320 --> 00:09:13,800 Speaker 2: I got minto my bag and so, you know, so 178 00:09:13,880 --> 00:09:16,040 Speaker 2: I was so grateful and she was like, thank you 179 00:09:16,080 --> 00:09:19,360 Speaker 2: so much. I was like, no, like, honestly, I was 180 00:09:19,360 --> 00:09:21,960 Speaker 2: so grateful to be able to have done that because 181 00:09:22,320 --> 00:09:24,079 Speaker 2: and it's not even like I told her I was 182 00:09:24,080 --> 00:09:26,360 Speaker 2: a girl, It's not even it's one third of my 183 00:09:26,400 --> 00:09:30,360 Speaker 2: points because you know, thank God for the TikTok algorithm 184 00:09:30,679 --> 00:09:32,880 Speaker 2: teaching me how to maximize. And so I just say 185 00:09:32,880 --> 00:09:35,160 Speaker 2: all that to say, if you are not using points, 186 00:09:35,320 --> 00:09:36,800 Speaker 2: I mean, obviously you have to be able to you 187 00:09:36,840 --> 00:09:38,200 Speaker 2: have to want to be able to pay off the 188 00:09:38,200 --> 00:09:41,719 Speaker 2: thing in full, like I got. You know, I'm sorry. 189 00:09:41,720 --> 00:09:44,600 Speaker 2: I don't want to say I'm like I'm gonna every 190 00:09:44,640 --> 00:09:47,680 Speaker 2: single month, but it is a blessing that not just 191 00:09:47,720 --> 00:09:49,240 Speaker 2: for you, but that you might be able to help 192 00:09:49,280 --> 00:09:51,480 Speaker 2: other people with your points. I mean I have used 193 00:09:51,480 --> 00:09:53,760 Speaker 2: points where I remember a friend of mine was really struggling. 194 00:09:54,040 --> 00:09:56,240 Speaker 2: And every time I stay at a hotel, like if 195 00:09:56,240 --> 00:09:58,439 Speaker 2: someone flies me out to like speak at a speaking 196 00:09:58,480 --> 00:10:00,760 Speaker 2: engagement and it's a Hilton or Marria or whatever, I 197 00:10:00,800 --> 00:10:04,000 Speaker 2: make sure to give them my reward number and I 198 00:10:04,360 --> 00:10:07,480 Speaker 2: collect nights. But typically I never have to pay because 199 00:10:08,080 --> 00:10:10,440 Speaker 2: if typically if I'm traveling, someone has paid me to speak. 200 00:10:10,720 --> 00:10:12,400 Speaker 2: And so I've been able to help a friend who 201 00:10:12,440 --> 00:10:14,679 Speaker 2: was really struggling about not knowing where they're going to stand. 202 00:10:14,679 --> 00:10:17,400 Speaker 2: I'm like, I've got four nights at the Marriott, and 203 00:10:17,480 --> 00:10:19,480 Speaker 2: so at least in the meantime you can stay there, 204 00:10:20,160 --> 00:10:22,320 Speaker 2: you know, and then figure it out from there, you know. 205 00:10:22,440 --> 00:10:24,880 Speaker 2: And so I don't know to me, but that is 206 00:10:24,920 --> 00:10:27,880 Speaker 2: why I really love points. And so yeah, that points 207 00:10:28,400 --> 00:10:30,319 Speaker 2: can be like a tool for you to like vacation 208 00:10:30,559 --> 00:10:32,200 Speaker 2: or really a tool for you to bless other people. 209 00:10:33,320 --> 00:10:35,439 Speaker 1: I think that's a wonderful way to do it. I 210 00:10:37,080 --> 00:10:38,840 Speaker 1: have a love hate with my rewards cards. 211 00:10:38,880 --> 00:10:40,280 Speaker 2: Now all you do? 212 00:10:41,840 --> 00:10:44,280 Speaker 1: Yeah, homegirl, I can't be paying off my bills in 213 00:10:44,320 --> 00:10:49,720 Speaker 1: full each month we see previous episode, Well are you able? 214 00:10:49,760 --> 00:10:52,360 Speaker 2: Because sometimes with points, you know, how like they can 215 00:10:52,440 --> 00:10:54,480 Speaker 2: like you can use points to pay down the bill. 216 00:10:55,040 --> 00:10:57,400 Speaker 1: Yeah, you can get a statement credit, Yeah for sure, 217 00:10:57,520 --> 00:11:02,120 Speaker 1: And definitely I have done that, not to pay the 218 00:11:02,160 --> 00:11:03,920 Speaker 1: whole thing off, but Okay. 219 00:11:04,040 --> 00:11:04,719 Speaker 2: We're getting there. 220 00:11:04,960 --> 00:11:07,040 Speaker 1: Honestly, I'm in such a situation that I'm like, it's 221 00:11:07,080 --> 00:11:10,720 Speaker 1: time for a budget. I might need to uh, I 222 00:11:10,760 --> 00:11:14,240 Speaker 1: need to call in the budget, call in the budget guide. 223 00:11:14,520 --> 00:11:18,200 Speaker 1: I wish I could me somebody who you have? 224 00:11:18,200 --> 00:11:23,160 Speaker 2: Anyone I know? Girl, I'm here, I'm here. 225 00:11:23,360 --> 00:11:26,640 Speaker 1: Oh god, Okay, all right if I quick break, can 226 00:11:26,640 --> 00:11:32,320 Speaker 1: we be right back with question number two? All right, Tiffany, 227 00:11:32,320 --> 00:11:33,480 Speaker 1: want to read our next question. 228 00:11:36,160 --> 00:11:38,880 Speaker 2: And it's funny because it's like her name is missus 229 00:11:38,880 --> 00:11:40,880 Speaker 2: a Line, which I'm like, I love that because we're 230 00:11:40,880 --> 00:11:43,640 Speaker 2: going to talk about alignment. Missus the Line says, Hi, 231 00:11:44,160 --> 00:11:46,880 Speaker 2: question for missus a Line, my husband paid all of 232 00:11:46,920 --> 00:11:50,680 Speaker 2: the bills. Oh yes, girl, And I'm wondering what I 233 00:11:50,679 --> 00:11:54,080 Speaker 2: should do with my income beside save first of all, 234 00:11:54,240 --> 00:11:56,840 Speaker 2: one time for missus a lot missed a Line. Okay, 235 00:11:57,480 --> 00:12:00,840 Speaker 2: you're not mad at it? Also like I love that. 236 00:12:00,920 --> 00:12:03,480 Speaker 1: I feel like this is my wife is looking pretty good. 237 00:12:05,679 --> 00:12:09,120 Speaker 2: So what say you? Managra? Like what are the other options? 238 00:12:09,160 --> 00:12:10,920 Speaker 2: It's like, well, if I don't have to pay bills, 239 00:12:10,960 --> 00:12:13,679 Speaker 2: like what should missus the Ligne be doing with a 240 00:12:13,800 --> 00:12:15,120 Speaker 2: kolid miss the Line? 241 00:12:15,160 --> 00:12:18,320 Speaker 1: I have a confession when I saw your question. I 242 00:12:18,480 --> 00:12:20,000 Speaker 1: was like, you're going to answer that question. You don't 243 00:12:20,040 --> 00:12:24,679 Speaker 1: have problems delete and then my wise mind to talk 244 00:12:24,679 --> 00:12:27,880 Speaker 1: about wise mind and therapy. My wise mind whispered to me, Mandy, 245 00:12:27,920 --> 00:12:30,960 Speaker 1: why were you so dismissive? What about that question bothered you? 246 00:12:31,800 --> 00:12:34,760 Speaker 1: And I think in my time a financial need. It 247 00:12:34,920 --> 00:12:40,120 Speaker 1: just bothered me that someone's like I got money. But 248 00:12:40,720 --> 00:12:43,199 Speaker 1: it took me like all of two point five seconds 249 00:12:43,200 --> 00:12:47,040 Speaker 1: to realize, Oh, this is really a question about what 250 00:12:47,160 --> 00:12:49,560 Speaker 1: should I do to maximize the income that I have 251 00:12:49,720 --> 00:12:52,240 Speaker 1: and hopefully create some financial security for myself. And I 252 00:12:52,280 --> 00:12:54,480 Speaker 1: think it is especially for the you know, if you 253 00:12:54,520 --> 00:12:57,400 Speaker 1: were a partner who's fortunate enough, even if you know 254 00:12:57,440 --> 00:12:59,840 Speaker 1: you guys are chipping in, if they're still left over money. 255 00:13:00,679 --> 00:13:02,920 Speaker 1: I just immediately was thinking of like tips about what 256 00:13:02,960 --> 00:13:04,720 Speaker 1: to do with her extra money and how she could 257 00:13:04,800 --> 00:13:08,440 Speaker 1: create some safety for herself since her husband is the 258 00:13:08,480 --> 00:13:11,600 Speaker 1: breadwinner and or at least is the bill payer. It 259 00:13:11,640 --> 00:13:15,080 Speaker 1: sounds like she has income from somewhere so that she, 260 00:13:15,760 --> 00:13:20,120 Speaker 1: I thought, will immediately put away savings for yourself, like 261 00:13:20,200 --> 00:13:23,520 Speaker 1: cash savings that you can you have access to. I 262 00:13:23,520 --> 00:13:25,240 Speaker 1: think there's a lot of focus on a prenup. But 263 00:13:25,280 --> 00:13:27,560 Speaker 1: I also think just some good old cash savings so 264 00:13:27,559 --> 00:13:31,080 Speaker 1: that you're protected just in case he if it turns toxic, 265 00:13:31,280 --> 00:13:34,199 Speaker 1: or if he you know, isn't available for whatever reason. 266 00:13:34,240 --> 00:13:37,160 Speaker 1: Just to have your own money. But then also think 267 00:13:37,200 --> 00:13:39,319 Speaker 1: about your longevity and like how you're going to be 268 00:13:39,400 --> 00:13:42,360 Speaker 1: investing for your future. Women are going to live longer 269 00:13:42,880 --> 00:13:47,720 Speaker 1: typically than their husbands, and so you know, if you 270 00:13:48,280 --> 00:13:51,360 Speaker 1: want to contribute more to your own retirement fund, or 271 00:13:51,400 --> 00:13:53,480 Speaker 1: you could use that money to start a business, You 272 00:13:53,480 --> 00:13:55,640 Speaker 1: could use that money to invest in your home, to 273 00:13:55,720 --> 00:13:59,040 Speaker 1: do something for the family. You can make your I 274 00:13:59,080 --> 00:14:00,680 Speaker 1: know tip you're going to talk about this how you 275 00:14:00,720 --> 00:14:03,680 Speaker 1: and Jarrell. I'll just hush and let you do it. 276 00:14:03,720 --> 00:14:07,160 Speaker 1: But talk about how you and Jarrell, what you did 277 00:14:07,160 --> 00:14:09,040 Speaker 1: with your income and how you gave it different purposes. 278 00:14:09,080 --> 00:14:11,720 Speaker 1: So everyone was like, oh, we're contributing, even though it 279 00:14:11,760 --> 00:14:14,320 Speaker 1: was like an imbalance, you know. 280 00:14:17,800 --> 00:14:20,680 Speaker 2: Well, yeah, so so missus. The line went similar to you, 281 00:14:20,760 --> 00:14:24,560 Speaker 2: my husband paid the bills at the time when we 282 00:14:24,680 --> 00:14:28,320 Speaker 2: first got together. He was my boyfriend. I had moved 283 00:14:28,320 --> 00:14:30,320 Speaker 2: in with him, and honestly, our bills wasn't that weren't 284 00:14:30,360 --> 00:14:35,200 Speaker 2: that much because he worked for newer housing authority, and candidly, 285 00:14:35,240 --> 00:14:37,200 Speaker 2: we lived in housing, and so our rent was like 286 00:14:37,240 --> 00:14:39,040 Speaker 2: nine hundred dollars. I was like whoo. I was like, 287 00:14:39,120 --> 00:14:41,680 Speaker 2: you want to have? He was like I'm good. I 288 00:14:41,720 --> 00:14:43,800 Speaker 2: was like okay. And then because we lived in housing, 289 00:14:43,840 --> 00:14:45,600 Speaker 2: I don't think I don't even think we paid electric 290 00:14:45,680 --> 00:14:48,600 Speaker 2: bill or we did was like very modified because he 291 00:14:48,600 --> 00:14:51,880 Speaker 2: lived quote unquote on campus, like the unit that he 292 00:14:51,920 --> 00:14:53,600 Speaker 2: took care of is where he lived. So he got 293 00:14:53,600 --> 00:14:56,880 Speaker 2: to live like really inexpensively. So I was able to, 294 00:14:56,920 --> 00:14:59,640 Speaker 2: you know, live with him. And then but at the 295 00:14:59,680 --> 00:15:01,600 Speaker 2: time and the budgetest was just getting on her feet, 296 00:15:01,600 --> 00:15:04,360 Speaker 2: and then it started to make significantly more. And so 297 00:15:04,520 --> 00:15:07,880 Speaker 2: although I made more than him, at some point, he 298 00:15:08,200 --> 00:15:10,600 Speaker 2: still paid the bills. You know, I want to say, 299 00:15:10,600 --> 00:15:13,760 Speaker 2: our bills were like under fifteen hundred dollars a month 300 00:15:13,800 --> 00:15:16,880 Speaker 2: at that time. So I was able to rapidly save. 301 00:15:17,600 --> 00:15:20,320 Speaker 2: And so I saved jointly because after we got engaged, 302 00:15:20,360 --> 00:15:22,640 Speaker 2: I said, okay, so now we can have a joint 303 00:15:22,680 --> 00:15:26,320 Speaker 2: savings and then a joint like an independent savings. So 304 00:15:26,320 --> 00:15:29,560 Speaker 2: I had savings for myself and I had savings for 305 00:15:30,160 --> 00:15:33,200 Speaker 2: like us jointly. And it was with that joint savings 306 00:15:33,400 --> 00:15:37,480 Speaker 2: that I was able to purchase our property, you know, 307 00:15:37,520 --> 00:15:39,240 Speaker 2: like I mean, it was us, but it was from 308 00:15:39,280 --> 00:15:41,840 Speaker 2: the joint savings that I was contributing to because he 309 00:15:41,880 --> 00:15:44,160 Speaker 2: didn't contribute to the savings because he was paying the bills. 310 00:15:44,520 --> 00:15:47,120 Speaker 2: So we worked it out where and especially after marriage, 311 00:15:47,120 --> 00:15:49,520 Speaker 2: because you're married now, we really worked it out. We said, 312 00:15:49,560 --> 00:15:52,800 Speaker 2: we want three accounts, joint and separate. We have a 313 00:15:53,800 --> 00:15:57,600 Speaker 2: checking account, joint checking, separate checking. Separate checking was for 314 00:15:57,680 --> 00:15:59,480 Speaker 2: like spending, you want to get your nails done, hair done, 315 00:15:59,480 --> 00:16:02,080 Speaker 2: and everything did, that's what you used that for. But 316 00:16:02,120 --> 00:16:04,320 Speaker 2: then we had this joint checking where that's where we 317 00:16:04,360 --> 00:16:06,520 Speaker 2: paid the bills out of and most of his check 318 00:16:06,560 --> 00:16:09,120 Speaker 2: one there. I didn't put really any money into the 319 00:16:09,120 --> 00:16:11,080 Speaker 2: bills account except for the money that I gave my 320 00:16:11,120 --> 00:16:13,480 Speaker 2: parents every month, because I would like send them money 321 00:16:13,680 --> 00:16:15,680 Speaker 2: to help them out, you know, every single month, and 322 00:16:15,720 --> 00:16:17,640 Speaker 2: so whatever money I was giving them, I would put 323 00:16:17,640 --> 00:16:19,960 Speaker 2: into our bills account. So we had that. Then we 324 00:16:20,040 --> 00:16:23,560 Speaker 2: had joint savings and separate savings. Separate savings because maybe 325 00:16:23,560 --> 00:16:25,960 Speaker 2: you want to save something for yourself. But then most 326 00:16:26,360 --> 00:16:28,320 Speaker 2: most of my money that I made as Tiffany went 327 00:16:28,360 --> 00:16:31,040 Speaker 2: into our joint savings to buy a house, to get 328 00:16:31,080 --> 00:16:33,800 Speaker 2: a car, to get those types of things. And then 329 00:16:33,800 --> 00:16:35,920 Speaker 2: the last account that we had joined and separate. We 330 00:16:36,000 --> 00:16:40,560 Speaker 2: had joint retirement or investment account and separate investment accounts, 331 00:16:41,040 --> 00:16:43,760 Speaker 2: and so that way it gives you. I just found 332 00:16:43,800 --> 00:16:46,760 Speaker 2: like it found it worked best to have like separate 333 00:16:46,840 --> 00:16:48,480 Speaker 2: and join everything, so you kind of have your own 334 00:16:48,520 --> 00:16:51,720 Speaker 2: autonomy for some things. But the vast majority of the 335 00:16:52,600 --> 00:16:57,360 Speaker 2: family's money went to our joint accounts, joint investing, joint savings, 336 00:16:57,440 --> 00:16:59,800 Speaker 2: joint checking, if that makes sense, but still slice to 337 00:16:59,800 --> 00:17:02,720 Speaker 2: have thing for yourself. And so we did both, and 338 00:17:02,800 --> 00:17:05,399 Speaker 2: so you know, you could check to see if that works. 339 00:17:05,440 --> 00:17:06,919 Speaker 2: I don't know how much you make. I don't know 340 00:17:07,000 --> 00:17:10,560 Speaker 2: what your agreement is, but I believe in transparency. It 341 00:17:10,600 --> 00:17:12,959 Speaker 2: wasn't like, oh I had my secret check in you know, 342 00:17:13,040 --> 00:17:15,199 Speaker 2: if he acts up, I'm out. But I had my 343 00:17:15,280 --> 00:17:17,800 Speaker 2: money that was mine and he had his money that 344 00:17:17,960 --> 00:17:20,560 Speaker 2: was his. Because I found that, I used to look 345 00:17:20,560 --> 00:17:22,720 Speaker 2: and be like, where you get them, Jordan's from, where 346 00:17:22,760 --> 00:17:25,080 Speaker 2: you get this from? And so I realized, like we 347 00:17:25,119 --> 00:17:27,359 Speaker 2: need to have some separate money. That way, I because 348 00:17:27,400 --> 00:17:29,080 Speaker 2: I still need to have a little control. So I 349 00:17:29,119 --> 00:17:31,399 Speaker 2: needed to be able to see the bills are fine, 350 00:17:31,840 --> 00:17:34,960 Speaker 2: the savings is fine, the retirement is fine, and so 351 00:17:35,000 --> 00:17:36,800 Speaker 2: if he bought those, it must have been from his 352 00:17:36,920 --> 00:17:39,440 Speaker 2: separate money. Let it rock, Tiffany, Damn, you're not the 353 00:17:39,480 --> 00:17:43,239 Speaker 2: bulls for him, even though I want the balls. And 354 00:17:43,280 --> 00:17:46,080 Speaker 2: so it helped to have jo and separate. So that's 355 00:17:46,119 --> 00:17:49,480 Speaker 2: what I would suggest, is that yes, instead of not 356 00:17:49,600 --> 00:17:52,520 Speaker 2: just saving, you know, potentially saving for the both of 357 00:17:52,560 --> 00:17:55,200 Speaker 2: you and yourself independently, but also are you setting aside 358 00:17:55,200 --> 00:17:57,760 Speaker 2: for a retirement. That's what I would just say is misaligned. 359 00:17:58,000 --> 00:18:01,120 Speaker 2: Is that making sure that bills are paid, aid savings 360 00:18:01,119 --> 00:18:04,160 Speaker 2: is say, but you're also setting aside for the future. 361 00:18:04,200 --> 00:18:07,080 Speaker 2: And if, however that looks for you, your money can 362 00:18:07,080 --> 00:18:09,639 Speaker 2: contribute to all those or some of those things. 363 00:18:10,200 --> 00:18:12,879 Speaker 1: Yeah, And what if Husby is not actually contributing to 364 00:18:13,080 --> 00:18:15,639 Speaker 1: like retirement funds because she says paying the bills, but 365 00:18:15,720 --> 00:18:17,399 Speaker 1: is she considering retirement to be a bill? Does he 366 00:18:17,440 --> 00:18:19,719 Speaker 1: know what's a bill? He should be doing it? So 367 00:18:19,800 --> 00:18:21,040 Speaker 1: have a line. I just want her to have a 368 00:18:21,040 --> 00:18:24,240 Speaker 1: line of sight into where the money is going. Yes, 369 00:18:24,280 --> 00:18:27,360 Speaker 1: and then you know that you should encourage like either 370 00:18:27,440 --> 00:18:29,200 Speaker 1: tell him, hey, this has to be a budget line 371 00:18:29,240 --> 00:18:31,119 Speaker 1: at him, like our retirement or make sure that it's 372 00:18:31,160 --> 00:18:31,600 Speaker 1: on your. 373 00:18:31,760 --> 00:18:37,359 Speaker 2: Yes, yes, exactly, those three things should be happening. Bills, savings, retirement. 374 00:18:39,480 --> 00:18:42,840 Speaker 1: Sorry for almost deleting your question. It was a personal problem. 375 00:18:43,560 --> 00:18:44,320 Speaker 1: Nothing to do with you. 376 00:18:44,960 --> 00:18:55,040 Speaker 2: Great growth. Yes, Kelly, do you know Cyebar? Do you 377 00:18:55,080 --> 00:18:57,879 Speaker 2: know that she's doing Resa Tisa? The Who the F? 378 00:18:57,920 --> 00:18:59,399 Speaker 2: Did I marry? Who? 379 00:18:59,720 --> 00:19:01,960 Speaker 1: Did? I'm yeah, yeah, yeah, oh she's Yeah, she's doing 380 00:19:01,960 --> 00:19:02,520 Speaker 1: the series. 381 00:19:03,200 --> 00:19:06,240 Speaker 2: I cannot wait. That is amazing. You know, people said 382 00:19:06,240 --> 00:19:08,040 Speaker 2: so much about miss Lisa Tisa, but let me tell you, 383 00:19:08,040 --> 00:19:10,520 Speaker 2: she's laughing all the way to the what the Bank? 384 00:19:11,200 --> 00:19:14,760 Speaker 2: And that lady's a storyteller extraordinaire. Okay, I never watched 385 00:19:14,800 --> 00:19:15,560 Speaker 2: all eighty what was it? 386 00:19:15,560 --> 00:19:15,960 Speaker 1: Eighty hour? 387 00:19:16,119 --> 00:19:17,800 Speaker 2: Me either? Girl, I couldn't, But I'm going to watch 388 00:19:17,800 --> 00:19:19,320 Speaker 2: the show because that sounds a good place. I want 389 00:19:19,359 --> 00:19:20,040 Speaker 2: to support a sister. 390 00:19:20,720 --> 00:19:23,440 Speaker 1: And also Natasha Rothwell's show, that's what we're talking about 391 00:19:23,840 --> 00:19:29,560 Speaker 1: on Hulu how to Die Alone? Yes, yes, another black written, 392 00:19:29,600 --> 00:19:35,639 Speaker 1: black owned program on your local station. All right, Miss 393 00:19:35,640 --> 00:19:39,640 Speaker 1: Thang and ba fam, thank you for your questions. Don't 394 00:19:39,960 --> 00:19:42,200 Speaker 1: tell a friend to tell a friend and we'll see 395 00:19:42,200 --> 00:19:44,160 Speaker 1: you guys Monday for Holla back. 396 00:19:44,280 --> 00:19:47,359 Speaker 2: Yes, and they're probably likely. I've already sold out, but 397 00:19:47,440 --> 00:19:50,520 Speaker 2: if you go to Brannan Vision podcast dot com you 398 00:19:50,680 --> 00:19:53,600 Speaker 2: maybe can join the wait list or we might release 399 00:19:53,680 --> 00:19:57,560 Speaker 2: some other tickets. We're going to try to see if 400 00:19:57,560 --> 00:20:00,199 Speaker 2: the space can hold because we're just basically sold out 401 00:20:00,240 --> 00:20:05,400 Speaker 2: for our live show October ten. Oh look, I'm sorry, 402 00:20:05,480 --> 00:20:05,880 Speaker 2: were sick. 403 00:20:05,920 --> 00:20:08,960 Speaker 1: We were like, I wasn't even on a different tab. 404 00:20:09,080 --> 00:20:10,719 Speaker 2: I was like, yo, if you could have seen it, 405 00:20:10,720 --> 00:20:13,960 Speaker 2: it was literally I was like, wait, if manything that 406 00:20:14,000 --> 00:20:16,520 Speaker 2: on purpose? We're like those twins and. 407 00:20:17,200 --> 00:20:20,760 Speaker 1: We were like we were now we're trying and we're 408 00:20:20,760 --> 00:20:21,280 Speaker 1: out of sync. 409 00:20:23,200 --> 00:20:25,600 Speaker 2: You know. That was hilarious. So yes, and if you 410 00:20:25,600 --> 00:20:27,800 Speaker 2: have questions, you can sign in our d MS on 411 00:20:27,800 --> 00:20:31,480 Speaker 2: i G. You could tweet us the brod Vision Pod 412 00:20:31,720 --> 00:20:35,639 Speaker 2: don't wait, Yeah, and then. 413 00:20:35,880 --> 00:20:41,320 Speaker 1: Know the b A pod the baast. 414 00:20:40,280 --> 00:20:43,440 Speaker 2: On our that's on Twitter, but broad A Vision podcast 415 00:20:43,600 --> 00:20:44,040 Speaker 2: on i G. 416 00:20:45,000 --> 00:20:47,480 Speaker 1: I tried to look into X It's like where's our money? 417 00:20:47,480 --> 00:20:48,400 Speaker 1: You don't have an account? 418 00:20:49,560 --> 00:20:53,960 Speaker 2: Oh my god. But you can also also besides going 419 00:20:54,000 --> 00:20:57,440 Speaker 2: to Brandabision podcast dot com for tickets or the wait list, 420 00:20:57,680 --> 00:20:59,760 Speaker 2: you can also send us an email or a message 421 00:20:59,800 --> 00:21:02,600 Speaker 2: there if you have questions you want answered. 422 00:21:02,720 --> 00:21:06,120 Speaker 1: Okay, okay, can I do a baby quick shout out 423 00:21:06,119 --> 00:21:10,320 Speaker 1: to listener l T. Shine, who wrote a review. Yes, please, 424 00:21:10,880 --> 00:21:12,919 Speaker 1: leaving a review is a kind thing to do, so 425 00:21:13,040 --> 00:21:15,600 Speaker 1: go do it all right? Five Stars car Buying. She said, 426 00:21:15,600 --> 00:21:18,160 Speaker 1: I'd never leave reviews, but I felt compelled after listening 427 00:21:18,200 --> 00:21:20,400 Speaker 1: to your car buying episode. This is the one where 428 00:21:20,440 --> 00:21:23,320 Speaker 1: you talked about Alyssa buying her first used car. I 429 00:21:23,359 --> 00:21:25,840 Speaker 1: literally was buying a used car the next day, and 430 00:21:25,880 --> 00:21:28,440 Speaker 1: the information you provided was so helpful. Keep doing the 431 00:21:28,480 --> 00:21:30,600 Speaker 1: work you're doing. You never know who's listening and what's 432 00:21:30,600 --> 00:21:33,080 Speaker 1: happening in their lives that your information will help them with. 433 00:21:33,240 --> 00:21:33,560 Speaker 1: Thank you. 434 00:21:33,840 --> 00:21:37,439 Speaker 2: Yes, not only did Lizzie pooh gear, tomorrow's her birthday. Actually, 435 00:21:37,440 --> 00:21:39,840 Speaker 2: well you guys will Her birthday is a second is 436 00:21:39,840 --> 00:21:42,840 Speaker 2: the first, so you won't. We're taping this on Monday. 437 00:21:42,920 --> 00:21:45,760 Speaker 2: But yeah, so I'm like, look at her. Do do 438 00:21:45,800 --> 00:21:47,280 Speaker 2: I have to get her present? We just got a car? 439 00:21:50,040 --> 00:21:52,280 Speaker 1: Listen that is between you and. 440 00:21:52,240 --> 00:21:54,000 Speaker 2: I know, you know she really wants to. I might 441 00:21:54,040 --> 00:21:55,520 Speaker 2: get them for her because she's been such a good kid. 442 00:21:55,600 --> 00:22:00,199 Speaker 2: She really wants the Airmax head homes. I know she 443 00:22:00,240 --> 00:22:01,520 Speaker 2: really wants some Airbax headphones. 444 00:22:01,560 --> 00:22:03,160 Speaker 1: If you got it, give it. That's all I'm saying. 445 00:22:03,800 --> 00:22:06,000 Speaker 2: Right, so we don't see. I was gonna surprise her, 446 00:22:06,000 --> 00:22:07,480 Speaker 2: but then I was like, she's probably gonna want some 447 00:22:07,480 --> 00:22:11,640 Speaker 2: specific color because she's busy like that. So we're gonna see. 448 00:22:11,640 --> 00:22:13,280 Speaker 2: We're gonna see what kind of attitude she gives me. 449 00:22:13,359 --> 00:22:15,200 Speaker 2: So we're gonna have breakfast tomorrow for her birthdays. I'm 450 00:22:15,200 --> 00:22:15,960 Speaker 2: excited to see her. 451 00:22:16,280 --> 00:22:21,320 Speaker 1: Oh that's all, have a birthday breakfast so wholesome. Okay, y'all. 452 00:22:21,600 --> 00:22:24,639 Speaker 1: For the fifth we're trying to say goodbye, goodbye. 453 00:22:24,840 --> 00:22:26,960 Speaker 2: Bye, and it's a churche goodbye, you know, like they're 454 00:22:26,960 --> 00:22:29,840 Speaker 2: five minutes by, let you go. 455 00:22:30,200 --> 00:22:30,840 Speaker 1: But what I was. 456 00:22:30,760 --> 00:22:35,920 Speaker 2: Saying, by y'all until next week. 457 00:22:35,960 --> 00:22:36,480 Speaker 1: Bye