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Speaker 1: Hey hey, hey, hey, we're back. We'll back. We're back,

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Speaker 1: We're back. I think I prefer taping on this.

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Speaker 2: Day on Monday.

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Speaker 1: I do because I feel like my life belongs to

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Speaker 1: the Live with Your Academy on Sunday.

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Speaker 2: So okay, so it's Monday, our New days talking shop schedules.

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Speaker 2: I know, this is how the sausage gets made, you.

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Speaker 1: Guys, exactly, you gotta make the donuts. So this as

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Speaker 1: you're getting to see all the behind the scenes. But yeah,

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Speaker 1: I think I like it. I was like, I like

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Speaker 1: this day because Monday's also like for for business, I

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Speaker 1: take a day off of well I'm supposed to take

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Speaker 1: a day off a week and like, like everybody who

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Speaker 1: I work with knows, you're not supposed to like send

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Speaker 1: me stuff on Mondays. I mean, I still work on Monday,

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Speaker 1: but it's just I don't have to, like my schedule

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Speaker 1: is completely empty, you know. And so and then like

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Speaker 1: for Sierra, my coo, she's the other like super hard

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Speaker 1: working that she gets Wednesdays off, and so just because

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Speaker 1: we tend to work on weekends sometimes not always, but sometimes,

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Speaker 1: so it's like no matter what, even if we work weekends,

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Speaker 1: you get this one day off. You know.

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Speaker 2: Yeah, it's like people who own restaurants restaurants clothes on Mondays? Right,

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Speaker 2: Is that fact the same kind of thing? Mm hmm,

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Speaker 2: I'm having I had one of the most Monday Mondays ever.

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Speaker 1: Really.

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Speaker 2: Yeah. Well it started out with I got off a stop,

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Speaker 2: like my brain malfunction. You know, when you just you

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Speaker 2: do your routine, you know exactly which stop to get

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Speaker 2: off at. I don't even have to look for the

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Speaker 2: names of the stations. It's just I feel when it's

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Speaker 2: my stop coming up. And today I just I don't

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Speaker 2: know what my brain. I just had a short circuit.

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Speaker 2: I need a software update or something. But I got

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Speaker 2: off a stop early, which was really annoying, and then

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Speaker 2: I had to wait, like, you know, forever for the

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Speaker 2: next train. And then you don't take the train to

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Speaker 2: work every day, but you know what it's like, like

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Speaker 2: it's crazy trying to take the train, Like there's always

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Speaker 2: a mad dash, and you know, when you're the first

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Speaker 2: person off the train and you're like right by the staircase,

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Speaker 2: you better go because you have like the entire you know,

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Speaker 2: this entire army coming behind you bearing down on you.

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Speaker 2: And I happened to be the first person out of

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Speaker 2: the station, and I ran down the stairs and I

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Speaker 2: was like, oh my god, they're coming for me. They're

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Speaker 2: coming for me. And then when I was trying to

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Speaker 2: go back up the stairs because you have to go

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Speaker 2: down and then up, my shoes caught on the staircase

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Speaker 2: and I went down so hard, so hard, and I

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Speaker 2: couldn't and it hurts so bad, and then you just

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Speaker 2: you can't stay there because you're gonna get trampled. I

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Speaker 2: was just gonna say that, Like, so I felt like

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Speaker 2: a like the weak link and like a herd or something.

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Speaker 2: So like got out and like ran to Starbucks. Yeah

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Speaker 2: that's how my day started. So I'm icing my knee

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Speaker 2: right now. Those my steps are no joke.

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Speaker 1: Yeah, no they aren't. It's like the city like and yeah,

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Speaker 1: New York Penn Station. Like if that morning commute that

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Speaker 1: like eight thirty ish, and then that afternoon or evening,

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Speaker 1: what that evening commute. First of all, it's I can't

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Speaker 1: even imagine if I was coming from another country, Like

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Speaker 1: I'm afraid that's a Joysey girl who like you know,

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Speaker 1: it's no stranger to the train, Like if I get

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Speaker 1: caught out and they have a meeting and I happen

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Speaker 1: to have to come back at like between four and five,

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Speaker 1: I'm like, oh my god, Oh my god, oh my god.

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Speaker 1: Because everyone gathers. There's like a bazillion people stuck together

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Speaker 1: looking at the little board, and it's like when it

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Speaker 1: changes to your train, like track three, and everyone will yo, manny,

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Speaker 1: that's a scary thing.

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Speaker 2: Yes, It's like when they release the horses at a

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Speaker 2: race or like a dog race or something.

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Speaker 1: And if you don't get out, get out the way,

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Speaker 1: people are like, get out that way. I mean, I

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Speaker 1: think to myself, Yo, what if I had a kid

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Speaker 1: with me, I would just be like, you know what,

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Speaker 1: I'm gonna go eat dinner and come back an hour.

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Speaker 1: When it's not like death, it's called crazy.

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Speaker 2: It's dangerous. And you know, I always think of the city.

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Speaker 2: I know people, you know, we don't drive cars series

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Speaker 2: so people may think that, you know, our commutes are

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Speaker 2: somehow easier, but I feel like it's just as treacherous.

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Speaker 2: And like walking on the New York City sidewalks is

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Speaker 2: like commuting. It's like you have your lane, you need

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Speaker 2: to pull over to the shoulder if you're going to

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Speaker 2: do things like text, don't try and text in the

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Speaker 2: middle of the road or stop in the middle of

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Speaker 2: a road. You need to signal before you turn. Sometimes

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Speaker 2: it's like it's it's insane and people are people are.

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Speaker 1: Mean, Yeah, because you know everybody, Yeah, it's crazy. People

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Speaker 1: who normally wouldn't be like evil. They will push you

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Speaker 1: and you're like, oh my gosh, that's my shoulder. They

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Speaker 1: don't care.

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Speaker 2: So solidarity to anybody who had like a hellish Monday

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Speaker 2: morning commute, because I feel you a man. But the

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Speaker 2: day turned around. Coworker brought in cookies. Yeah, that's always nice,

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Speaker 2: and one of my girlfriends just happened to be in

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Speaker 2: the neighborhood and I had a nice long lunch and

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Speaker 2: sometimes you just need like a little pick me up.

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Speaker 1: Today was like the most productive Monday. I had an

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Speaker 1: allowed time Like this morning, like I woke up a

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Speaker 1: little bit before my alarm, and I was like, today,

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Speaker 1: you're not gonna do what you normally do. You're not

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Speaker 1: going to hit this alarm because I started going back

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Speaker 1: to the gym in the morning at six and typically

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Speaker 1: six is when my alarm goes off, and then I

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Speaker 1: don't leave the house for like seven thirty and then

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Speaker 1: I catch the traffic back and I told myself, Tiffany,

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Speaker 1: we're not doing that today. And I was like, today,

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Speaker 1: you're actually going to do work today. You're going to

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Speaker 1: make your to do list, and you're gonna like things

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Speaker 1: that you've been waiting forever to do, You're going to

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Speaker 1: get them done today. So I'm like literally in the bed,

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Speaker 1: I still close halfway out of rim, like coaching myself

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Speaker 1: like you got this, you got this. Today, it's going

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Speaker 1: to be different. And I was like, and I've done

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Speaker 1: this before and then I wake up and have the

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Speaker 1: same day I always have. But today I was like,

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Speaker 1: look at you. I mean I didn't get a back six.

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Speaker 1: I did six thirty because I was like, honestly, I can't.

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Speaker 1: But I did get to the gym, and I added,

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Speaker 1: so I'm doing this thing at the gym where when

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Speaker 1: I first start, like, I work best when I added

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Speaker 1: little things on, like if like my best friend Drino,

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Speaker 1: when she goes back to the gym, she has to

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Speaker 1: go back hard and not meet well, I'll never come back.

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Speaker 1: So Week one was just go to the gym and

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Speaker 1: do twenty minutes to cardio and go home. That's it.

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Speaker 1: So now we're in week two and well stretching first

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Speaker 1: and then twenty minutes. So now week two is stretching

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Speaker 1: ads cardio go home. So that's what we're doing all

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Speaker 1: this week, and then week three I'll add something else

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Speaker 1: on because I need to like slowly bring things on.

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Speaker 1: So today I started off at the gym. I had

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Speaker 1: my to do list. I actually typically I have either

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Speaker 1: inside or outside product to day, meaning like I'm either

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Speaker 1: going to be inside all day and like knock out

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Speaker 1: all my inside work, but I'll never make it to like,

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Speaker 1: you know, run errands or I'm like ripping and running

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Speaker 1: errands all day long. And today, for the first time

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Speaker 1: and I don't know how long, I actually got all

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Speaker 1: my inside work done. And I hate going to the

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Speaker 1: mail like to like mail stuff or and you know,

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Speaker 1: I had to go to Staples and some other craft

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Speaker 1: and I actually did it. I was like, who are you?

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Speaker 1: And I got back in the house before five, and

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Speaker 1: I was like, get a nag that pep talk works,

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Speaker 1: because you know, entrepreneurial life people just think. That's why

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Speaker 1: I don't like when people trying to make it seem

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Speaker 1: like actionneur life is like the most awesome thing ever

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Speaker 1: all the time. I mean, don't get me wrong.

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Speaker 2: It looks terrible. It can't be honestly, it just takes

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Speaker 2: so much self motivation, you.

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Speaker 1: Know, hey when I say some more and literally there

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Speaker 1: are weeks when I'm like, who are you tippany yo?

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Speaker 1: There are weeks when I'm like if people only knew

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Speaker 1: this has been HGTV Binge week and have done nothing,

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Speaker 1: and I'm just like people will say to be stuff

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Speaker 1: like girl, you know, I didn't want to live because

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Speaker 1: I know you're so busy, and I'm like, uh, I'm

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Speaker 1: actually in my pjs right now, but okay.

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Speaker 2: We need we need to do once a week just

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Speaker 2: post a real, like a in real life image on Instagram,

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Speaker 2: Like I'm going to post the fifth hour of my

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Speaker 2: seven hour America or Great British Bakeoff Marathon, which I

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Speaker 2: indulged in on Saturday. That's when I baked pretzels, Like

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Speaker 2: that was literally my entire day was pretzels and watching

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Speaker 2: baking shows and like a little bit of Netflix, you know,

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Speaker 2: like I think people need that like little breath of

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Speaker 2: fresh air, like oh yeah, you're humans. You're not always

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Speaker 2: on because you can't be you can't. I like what

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Speaker 2: you said too, about not trying to go back to

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Speaker 2: the gym all at once, because I do what Drina

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Speaker 2: does too. I'm like, Okay, I'm gonna, I'm gonna. I

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Speaker 2: just I don't want to just lose ten pounds. I

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Speaker 2: got to run a half marathon in two months, you know,

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Speaker 2: And when you set those crazy expectations, like you're just

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Speaker 2: setting yourself up for failure, not to mention, if you

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Speaker 2: try and do too much at once, when you get

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Speaker 2: back to the gym after a while, you just get

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Speaker 2: so sore yep that you can't go the next day.

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Speaker 1: It's so because what I really told myself, because you know,

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Speaker 1: sometimes you just like, ugh, Like honestly, in the last

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Speaker 1: I want to say, year and a half, I've gained

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Speaker 1: like twenty pounds. This is the biggest I've ever been.

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Speaker 1: I like, I've never typically like my max weight for me.

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Speaker 1: So I'm five to eight, and you know, like I

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Speaker 1: always had a little booty. You know, I'm African, So

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Speaker 1: I'm like, okay, but I'm I'm slim. My Bill was

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Speaker 1: typically slim, muscular like my whole life. My dad's side

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Speaker 1: of the family is short and muscular. My mom's signs

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Speaker 1: long and lean, so I was like a perfect blend

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Speaker 1: between the two slim muscular build. So I always looked

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Speaker 1: slim than my weight suggested, you know, so people would

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Speaker 1: look at me and be like, what are you like

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Speaker 1: one twenty. I'm like, yeah, I tried one forty five,

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Speaker 1: so I never minded weighing a little bit more. But

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Speaker 1: my max weight used to be like one sixty five,

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Speaker 1: and I'm like once sixty five was like ooh, got

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Speaker 1: a little booty, got some thighs. I never really have

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Speaker 1: much of a bus but still looks slim. Girl. I'm

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Speaker 1: like one eighty three. I'm like, who is this woman?

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Speaker 1: Who DAEs? And I'm like when did this happen? Of

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Speaker 1: course Superman is like, yes, he's like my max. He

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Speaker 1: was like, just don't go over three hundred. Were good.

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Speaker 1: I'm like three hundred, dude, Oh I remember you said that.

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Speaker 2: Yeah, I wonder if every man has a limit.

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Speaker 1: I'm sure they do, but ee hundred.

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Speaker 2: Looks different on some people. Like some people, it just

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Speaker 2: depends on your body type. Yes, And You're like, I

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Speaker 2: don't even think for your height that weight isn't even

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Speaker 2: that bad, Like, but I know what it feels like

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Speaker 2: when you when that's like enough. Twenty pounds is enough

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Speaker 2: to where your pants are feeling tight. That's where everything

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Speaker 2: you want to wear, and that's that's demoralizing, and that's really.

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Speaker 1: What it is. Because I didn't notice because like in

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Speaker 1: the mirror, I'm like, okay, I definitely see more button,

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Speaker 1: more thighs, but I didn't really notice until like I'm

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Speaker 1: putting on my jeans, like and I'm not I don't

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Speaker 1: typically wear like tight, tight clothes, and I'm putting on

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Speaker 1: my jeans and that are like half a size or

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Speaker 1: size larger anyway, because that's how I like to wear

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Speaker 1: my clothes. And there I can't even wear them. I'm like, wait,

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Speaker 1: did these drink? And then I tried another pair. I

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Speaker 1: have like twenty pairs of jeans and I'm like, wait, weight,

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Speaker 1: none of these fits? And I'm really like, I lest say.

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Speaker 1: It took me a minute to realize, wait, am I bigger?

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Speaker 1: I stepped out a scale. I said what is this number?

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Speaker 1: And I said, okay, Tiffany, like twenty pounds. That's a

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Speaker 1: lot in a year, so we're gonna need.

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Speaker 2: I could gain that a month. Mine scared, I got, shoot,

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Speaker 2: you can get That's just that's just like that's the

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Speaker 2: kind of weight where if you just give yourself, you know,

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Speaker 2: five or six months and like just change a couple

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Speaker 2: of things, you can get you can get back to

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Speaker 2: fighting weight.

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Speaker 1: I just want to you know what it is, it's

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Speaker 1: less the weight, more the Okay, Tiffany, you live like

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Speaker 1: a sedentary lifestyle because I'm like always sitting in front

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Speaker 1: of a computer, and i just want to get back

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Speaker 1: into regular exercise and decent eating, like because that used

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Speaker 1: to be me and then one day I just fell

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Speaker 1: off a cliff and literally it was nothing for me

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Speaker 1: to have like, oh, it's nighttime, I'm hungry, let me

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Speaker 1: have some ice cream and some cereal and ooh, let

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Speaker 1: me went to the store to get a Snickers bar

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Speaker 1: and it's midnight. And then like not have moved all

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Speaker 1: the day before or that day. And so I'm just like, Tiffany,

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Speaker 1: you have to move at least three times a week

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Speaker 1: and eat eat decent. You know, you don't have to like,

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Speaker 1: you know, I'm not gonna not have pizza. But at

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Speaker 1: the same time, I'm like I need a salad in

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Speaker 1: here every once in a while. So you know, that's

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Speaker 1: like I'm taking that approach to just life in general

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Speaker 1: business Like I used to think, like I have to

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Speaker 1: be a beast and Gohard twenty four to seven and

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Speaker 1: I'm like, yeah, you don't. I mean you can, but

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Speaker 1: all for what you know. So instead even like with

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Speaker 1: like business life, I'm learning like one to chill and

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Speaker 1: you know when to be like all right, it's beastmo,

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Speaker 1: but you know that whole Like Gary Vee is awesome,

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Speaker 1: but I could not live that Gary v lifestyle were

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Speaker 1: every single second it seems like it's schedule for beast mode.

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Speaker 1: I mean, how exhausting. I feel like he's gonna drop

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Speaker 1: dead one day on one of his videos.

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Speaker 2: I feel like, well, I'm over the whole beast mode

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Speaker 2: hashtag for I have this one friend of uses it

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Speaker 2: all the time. But I think there's I think too,

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Speaker 2: and like people posting about you know, I'm doing this,

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Speaker 2: I'm doing that, and like here's my to do list,

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Speaker 2: here's so much of accomplished. I don't know how much

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Speaker 2: of it, Like are they really happy doing all that?

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Speaker 2: And like being at that level of exertion like all

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Speaker 2: the time because you only can do so much, Like

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Speaker 2: I may be killing it at work, Like before the wedding,

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Speaker 2: I was I was killing it with wedding and planning,

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Speaker 2: killing it with work, having a terrible social life and

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Speaker 2: like bad eating habits. I feel like you can't, like

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Speaker 2: I can only do through two things maybe amazingly at

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Speaker 2: one time. Mm hmmm, and then you're gonna have to

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Speaker 2: like kind of be nice to yourself and get back

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Speaker 2: to you know, trying to just find like there's never

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Speaker 2: gonna be a perfect balance. I don't think it's like

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Speaker 2: I've read a really good quote one time about how

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Speaker 2: you have four burners in life. I'm going to try

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Speaker 2: and remember the four burners, like one is family, one

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Speaker 2: is health, one is friendships, and one is work. And

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Speaker 2: you can't have all four burners on it one time.

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Speaker 2: You really only can do three max at one time,

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Speaker 2: and the other burner's just gonna have to And it's

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Speaker 2: not like it's not necessarily a bad thing. It's just

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Speaker 2: you just have to sort of like get in the

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Speaker 2: like be nice and to yourself and then expect for

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Speaker 2: not everything to be going amazingly at the same time.

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Speaker 1: To me, though, the better word is like harmony, where

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Speaker 1: it's like, okay, you know, things are working together as

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Speaker 1: they ought to because sometimes because balance assumes that everything

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Speaker 1: is equally weighted, and harmony assumes that it all is

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Speaker 1: working together collectively, even though this thing might be a

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Speaker 1: little bit heavy at the moment than the other. So

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Speaker 1: I'm just working on harmony over balance. I support that, well,

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Speaker 1: there is no balance exactly. This is I was totally

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Speaker 1: I remembered this article that I read recently about Steve Harvey.

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Speaker 1: Did you see this about his email?

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Speaker 2: Is this someone where he's really mean to his staff

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Speaker 2: members or something?

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Speaker 1: Yeah, so he he wrote an email and I guess

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Speaker 1: you tell me what you think, and I'll tell you

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Speaker 1: what I think. So he's I'm just gonna like paraphrase it.

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Speaker 1: Steve Harvey wrote an email where he says like, let

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Speaker 1: me see, maybe I can at least read one line

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Speaker 1: of it so you can. Okay, good morning everyone, welcome back.

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Speaker 1: I'd like you alterview and adhere to the following notes

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Speaker 1: and rules for Steven Season five of my talk show.

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Speaker 1: There will be no meetings in my dressing room. No

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Speaker 1: stopping by popping or popping in no one all caps.

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Speaker 1: Do not come to my dressing room unless invited. Do

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Speaker 1: not open my dress room door. This is all caps

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Speaker 1: right now. If you open my door. Expect to be

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Speaker 1: removed and then back to regular My security team will

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Speaker 1: stop everyone from standing at my door who has the

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Speaker 1: intent to see or speak to me. I want all

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Speaker 1: the ambushing to stop now. That includes TV staff. You

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Speaker 1: must schedule an appointment. I've been taken advantage of by

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Speaker 1: my lenience see lenient policy in the past. This ends now,

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Speaker 1: all cats no more. Do not approach me while I'm

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Speaker 1: in the makeup chair unless I ask to speak to

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Speaker 1: you directly, either knock or use the doorbell. I'm seeking

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Speaker 1: more free time for me throughout the day. Do not

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Speaker 1: wait in any hallway to speak to me. I hate

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Speaker 1: being ambushed. Please make an appointment. I promise you I

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Speaker 1: will not entertain you in the hallway, and do not

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Speaker 1: attempt to walk with me. If you're reading this, yes,

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Speaker 1: I mean you. Everyone. Do not take offense to the

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Speaker 1: new way of doing business. It's good for my personal

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Speaker 1: life and enjoyment. Thank you all, Steve Harvey.

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Speaker 2: I'm telling you, moms across America are laughing their asses

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Speaker 2: off right now and desperately wish they had this letter

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Speaker 2: and they could give it to their children. Like when

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Speaker 2: moms across America just want to read a book or

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Speaker 2: I don't know, go number two without anyone walking down

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Speaker 2: in the bathroom.

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Speaker 1: I want to go to my nephew today and we

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Speaker 1: were playing, We're having a good time, and then I

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Speaker 1: had to go pee girl because my sister, she of

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Speaker 1: course was home because she has the niece and my

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Speaker 1: niece and my nephew, so she's home. I just came

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Speaker 1: to visit. I went to go to the bathroom. Close

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Speaker 1: the door. You would have thought that like I stole

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Speaker 1: his favorite toy. He was screaming outside the door like

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Speaker 1: a bad like.

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Speaker 2: Schu He didn't tell you can use the bathroom.

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Speaker 1: And I was looking at her like, so, how do

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Speaker 1: you peech? She's like I kind of don't. I just wait.

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Speaker 1: He falls asleep. I was yo. He was losing his mind.

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Speaker 1: I'm like, Roman, I'm just here. I'm just I just

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Speaker 1: have to pee. He was just like, I don't care.

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Speaker 1: I don't care what you have to do. We're playing,

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Speaker 1: we're having a good time. Name pain And I'm like, wow,

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Speaker 1: so so what do you think about? Like what's he asked,

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Speaker 1: What's I.

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Speaker 2: One hundred percent understand where he's coming from. I like

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Speaker 2: last week, it just there was just we have a

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Speaker 2: small open concept office. Okay, I've had open concept offices

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Speaker 2: for my entire career. I feel like since I moved

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Speaker 2: to New York, they're all the rage. You know, well

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Speaker 2: no walls, no doors, just you know, everyone's collaborating and creative.

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Speaker 2: But that shit gets so in and distracting, and like,

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Speaker 2: sometimes you just need to sit in a quiet place

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Speaker 2: and just focus on your work and not be distracted.

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Speaker 2: And last week I got really frustrated and I was like,

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Speaker 2: I'm just going to go across the hall to this

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Speaker 2: room and just like lock myself in here and have

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Speaker 2: some quiet time. And I understand completely like that, and

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Speaker 2: I'm sure he is, like, you know, being Steve Harvey,

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Speaker 2: being the boss of anything, people are constantly pulling you

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Speaker 2: in a million directions and you need to have boundaries.

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Speaker 2: I think the tone of this email I think would

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Speaker 2: make me if I were if I were an employee

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Speaker 2: and I got this email, I'd be like, well, I'm

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Speaker 2: never talking to him again. I'm afraid of him, Like

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Speaker 2: I wouldn't approach him at all. There's a lot of

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Speaker 2: rules in here. How could you remember all this? Like

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Speaker 2: I'd be like, wait, did he say that I could

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Speaker 2: talk to him in the break room. I can't remember,

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Speaker 2: or was yeah, only by the elevator, Like what you know,

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Speaker 2: I think it was a little intense.

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Speaker 1: Yeah, it's clear that this was written out of sheer frustration. Yeah,

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Speaker 1: it's hard because when you have could this, this is

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Speaker 1: what it read like to me, something happened, knee jerk reaction.

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Speaker 1: I'm typing this the kermit type the team. But I

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Speaker 1: completely understand and agree with the premise of what he's

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Speaker 1: saying that basically, like because one like let's just say,

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Speaker 1: you know, he's walking on the hallway and you're like

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Speaker 1: sharing important information, Like I don't like, I'm the type

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Speaker 1: that if you have to share something with me, I'm

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Speaker 1: gonna need to write it down. You know, this is important,

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Speaker 1: So like you sharing with me this is a casual walk.

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Speaker 1: How do I process this part of the business while

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Speaker 1: I'm not you know, I'm not in that mode if

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Speaker 1: I'm sitting and getting my makeup done or hair done

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Speaker 1: or whatever. So that I completely understand. Having time set

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Speaker 1: aside to handle different tasks is important. So I completely

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Speaker 1: understand that. But you're right. The tone was like, you're right.

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Speaker 1: The tone was a little scary, but to me, as

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Speaker 1: an entrepreneur. It reached of frustration versus that because people

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Speaker 1: are like, oh, you know, Steve Harvey, it is too

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Speaker 1: big for them, bredches. I mean, I'm not a huge

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Speaker 1: Steve Harvey fan. I mean, I mean, you know, I'm

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Speaker 1: kind of ambivalent. You know, I take the good the bag.

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Speaker 1: But so I didn't think that he was sounding like arrogant.

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Speaker 1: That's not what I read to me. To me, just

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Speaker 1: read as extremely frustrated. Somebody must have done it again,

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Speaker 1: and he was like, what you're not gonna do is

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Speaker 1: you know.

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Speaker 2: It sounds like he doesn't have a structure in place

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Speaker 2: to where there's someone there to field those questions for him,

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Speaker 2: Like maybe he has taken on too much of the

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Speaker 2: responsibility behind the scenes for the show, and maybe everything

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Speaker 2: requires his stamp of apparval or everything requires his input

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Speaker 2: and he set it up to be that way and

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Speaker 2: now it's coming back to bite him. Yes, it sounds

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Speaker 2: like he needs like someone to help him, like he

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Speaker 2: shouldn't be like you're the star of a show. I

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Speaker 2: don't think Oprah was dealing with this crap. You know,

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Speaker 2: I'm sure Oprah had a amazing like I've read somewhere

428
00:19:44,240 --> 00:19:46,400
Speaker 2: listened to the making of Oprah that podcast you told

429
00:19:46,440 --> 00:19:49,520
Speaker 2: me about, and it really sounded like her team did

430
00:19:49,680 --> 00:19:52,000
Speaker 2: all the you know, was really doing the legwork, and

431
00:19:52,040 --> 00:19:53,960
Speaker 2: so she could do she could do her own work

432
00:19:54,000 --> 00:19:56,600
Speaker 2: and show up and be the best, you know, version

433
00:19:56,680 --> 00:19:57,280
Speaker 2: of herself.

434
00:19:57,400 --> 00:20:00,000
Speaker 1: Yeah, and you're right, that's exactly what it sounds like

435
00:20:00,080 --> 00:20:04,160
Speaker 1: that he and I think a lot of entrepreneurs do that,

436
00:20:04,160 --> 00:20:07,080
Speaker 1: that it's their baby, so they want to be included

437
00:20:07,119 --> 00:20:09,560
Speaker 1: in everything, but they don't realize like, uh, if you're

438
00:20:09,560 --> 00:20:13,480
Speaker 1: included and everything, that's everything. So everybody comes to you

439
00:20:13,600 --> 00:20:16,600
Speaker 1: versus there's sort of like a like, you know, there's

440
00:20:16,640 --> 00:20:19,200
Speaker 1: an order of operations, like okay, because that used to

441
00:20:19,280 --> 00:20:22,159
Speaker 1: be me, but now I finally had to relinquish, and

442
00:20:22,440 --> 00:20:26,000
Speaker 1: Sierra like my coo, she is that for me, Like

443
00:20:26,400 --> 00:20:28,800
Speaker 1: I don't. I used to like everybody used to be like, hey,

444
00:20:28,840 --> 00:20:30,800
Speaker 1: Tiffany hate Tiffany, hate Tiffany. And I'm like, well, I

445
00:20:31,320 --> 00:20:33,960
Speaker 1: have to write this proposal or I have to prepare

446
00:20:34,000 --> 00:20:36,240
Speaker 1: for the speaking engagement. And I couldn't because I was

447
00:20:36,280 --> 00:20:38,560
Speaker 1: always feeling like can I go over by two hours

448
00:20:38,560 --> 00:20:40,760
Speaker 1: because I'm not finished with this? And can I Now

449
00:20:40,800 --> 00:20:43,080
Speaker 1: I don't deal with any of those things anymore. Sierra

450
00:20:43,240 --> 00:20:45,800
Speaker 1: really is like, let me operate. I am the you know,

451
00:20:46,000 --> 00:20:49,000
Speaker 1: chief operating officer, Like that's what I'm supposed to do.

452
00:20:49,119 --> 00:20:51,479
Speaker 1: And I was afraid of because I'm like, well, what's happening?

453
00:20:51,480 --> 00:20:53,320
Speaker 1: You know what's telling me things? And she's like, cause

454
00:20:53,359 --> 00:20:55,720
Speaker 1: things are running smoothly, I can't tell you it has

455
00:20:55,800 --> 00:21:00,600
Speaker 1: transformed everything. So yeah, he clearly has not. It's not

456
00:21:00,680 --> 00:21:03,119
Speaker 1: just enough to say don't talk to me, because clearly

457
00:21:03,160 --> 00:21:04,760
Speaker 1: these are conversations that need to be had.

458
00:21:04,880 --> 00:21:06,919
Speaker 2: Yeah, who was the reason been coming to you?

459
00:21:07,400 --> 00:21:07,880
Speaker 1: Exactly?

460
00:21:07,920 --> 00:21:09,520
Speaker 2: You need to set up a note you can't just

461
00:21:09,600 --> 00:21:12,480
Speaker 2: take away. And it also made me sounds like even

462
00:21:12,560 --> 00:21:15,000
Speaker 2: if he has people in power, that they're not working

463
00:21:15,040 --> 00:21:17,919
Speaker 2: together yep, because they should be able to resolve issues.

464
00:21:17,960 --> 00:21:19,959
Speaker 2: It's like when your mom says, like when we used

465
00:21:20,000 --> 00:21:22,479
Speaker 2: to call my mom fighting four kids on summer vacation

466
00:21:22,640 --> 00:21:25,640
Speaker 2: at home by ourselves, ripping each other's throats out. We'd

467
00:21:25,680 --> 00:21:29,000
Speaker 2: always call mom. Things would escalate and her response would be,

468
00:21:29,480 --> 00:21:32,040
Speaker 2: work out amongst yourselves. I cannot handle this right now.

469
00:21:32,119 --> 00:21:35,120
Speaker 2: Click you know, and we you know whatever, someone would die.

470
00:21:35,480 --> 00:21:38,560
Speaker 2: Obviously we went to work. We wouldn't have a choice

471
00:21:38,560 --> 00:21:41,640
Speaker 2: she had like removed herself from the from the from

472
00:21:41,680 --> 00:21:44,639
Speaker 2: the situation, it sounds like he needs, Yeah, he needs

473
00:21:44,880 --> 00:21:47,040
Speaker 2: like he has like a bunch of kids fighting or something,

474
00:21:47,080 --> 00:21:49,800
Speaker 2: and they don't like there's not really anyone with authority

475
00:21:49,840 --> 00:21:50,800
Speaker 2: besides him.

476
00:21:51,359 --> 00:21:53,440
Speaker 1: Yeah. So I just thought that was like, I look

477
00:21:53,560 --> 00:21:56,199
Speaker 1: like because people were really polarized on it, and I

478
00:21:56,280 --> 00:21:58,359
Speaker 1: was like, oh, you know, let's talk about it.

479
00:21:58,359 --> 00:21:59,639
Speaker 2: Well, I can tell you if it was a woman,

480
00:22:00,560 --> 00:22:02,760
Speaker 2: it would be it would not even be polarizing. It

481
00:22:02,760 --> 00:22:05,400
Speaker 2: would be like this bitch, this diva, blah blah blah,

482
00:22:05,480 --> 00:22:07,840
Speaker 2: because it isn't not always the rumor about women and

483
00:22:08,720 --> 00:22:10,600
Speaker 2: powers that they don't want you to look at them

484
00:22:10,720 --> 00:22:14,080
Speaker 2: or talk to them or something and be totally misconstrued.

485
00:22:14,119 --> 00:22:18,200
Speaker 2: But I mean he's problematic for other reasons.

486
00:22:18,640 --> 00:22:20,399
Speaker 1: Yeah. So I was like, but to me, this, I

487
00:22:20,480 --> 00:22:23,399
Speaker 1: was like, to be fair, I get it, although the

488
00:22:23,520 --> 00:22:24,960
Speaker 1: delivery was a little wonky.

489
00:22:25,640 --> 00:22:27,520
Speaker 2: Yeah, it sounds like he has bigger problems at play

490
00:22:27,560 --> 00:22:30,880
Speaker 2: here exact right, I don't really, it's not really surprising.

491
00:22:32,840 --> 00:22:35,320
Speaker 2: And in other news I just saw today, are we

492
00:22:36,000 --> 00:22:39,040
Speaker 2: I can't help but feel like has the memo not

493
00:22:39,160 --> 00:22:44,439
Speaker 2: gotten out that like rules against how young women should

494
00:22:44,440 --> 00:22:50,760
Speaker 2: wear their hair in schools. Oh, being racist and marginalized

495
00:22:50,760 --> 00:22:56,280
Speaker 2: students because I just saw another headline two young African American.

496
00:22:56,840 --> 00:22:58,960
Speaker 2: Actually they may not be American, they would be Canadian.

497
00:22:59,040 --> 00:23:02,800
Speaker 2: Oh no, Massachusetts. Yeah, so two young black female students

498
00:23:02,840 --> 00:23:06,120
Speaker 2: at a charter school in Massachusetts were kicked off their

499
00:23:06,119 --> 00:23:10,040
Speaker 2: sports teams and banned from attending prom because they had

500
00:23:10,080 --> 00:23:14,400
Speaker 2: the audacity to wear their hair in like braids. Braids.

501
00:23:14,680 --> 00:23:15,520
Speaker 1: I don't understand.

502
00:23:15,720 --> 00:23:18,080
Speaker 2: This is just outside of Boston. Apparently this you know,

503
00:23:18,200 --> 00:23:20,160
Speaker 2: charter schools, so they can make their own rules, right,

504
00:23:20,200 --> 00:23:25,119
Speaker 2: Like they're kind of like an alternative to the traditional

505
00:23:25,200 --> 00:23:27,239
Speaker 2: sort of public school system, right, is that how they

506
00:23:27,280 --> 00:23:29,800
Speaker 2: basically work? So apparently these.

507
00:23:30,200 --> 00:23:32,879
Speaker 1: Are public schools, yes, but there are public schools that

508
00:23:32,880 --> 00:23:36,679
Speaker 1: are funded like differently yet, but they act outside of

509
00:23:36,720 --> 00:23:38,480
Speaker 1: public schools kind of. But yeah, go ahead.

510
00:23:39,720 --> 00:23:42,240
Speaker 2: So they apparently have the strict dress code and one

511
00:23:42,240 --> 00:23:44,160
Speaker 2: of the rules is like, I actually want to read

512
00:23:44,160 --> 00:23:49,240
Speaker 2: the policy because on its face it sounds it sounds

513
00:23:50,960 --> 00:23:56,200
Speaker 2: racist or it sounds like discriminatory against African American African Americans,

514
00:23:56,200 --> 00:23:57,920
Speaker 2: So I'll read this. It says a dress code policy

515
00:23:57,920 --> 00:24:00,920
Speaker 2: on the student on the website says students cannot wear

516
00:24:01,040 --> 00:24:04,919
Speaker 2: drastic or unnatural hair colors or styles such as shaved

517
00:24:04,960 --> 00:24:08,920
Speaker 2: lines or shaved sides, or have a hairstyle that could

518
00:24:08,960 --> 00:24:12,920
Speaker 2: be distracting. In parentheses, extra long hair or hair more

519
00:24:12,960 --> 00:24:15,880
Speaker 2: than two inches in thickness or height is not allowed.

520
00:24:16,240 --> 00:24:19,879
Speaker 2: This means no coloring, dyeing, lightning, or streaking if any sort.

521
00:24:19,960 --> 00:24:23,159
Speaker 2: Hair extensions are not allowed, and on and on and

522
00:24:23,160 --> 00:24:27,080
Speaker 2: on and on and on. So this basically completely bans

523
00:24:27,119 --> 00:24:29,320
Speaker 2: any natural hair. Like my hair was like six inches

524
00:24:29,359 --> 00:24:32,640
Speaker 2: tall right now, you know my natural hair, Like this

525
00:24:32,720 --> 00:24:34,800
Speaker 2: is the hair I wash. I go out in the

526
00:24:34,840 --> 00:24:37,280
Speaker 2: world and it becomes six inches high, So I would

527
00:24:37,320 --> 00:24:39,600
Speaker 2: be banned. I would get kicked out of this school.

528
00:24:40,200 --> 00:24:42,639
Speaker 1: But you know that's just crazy because it's like, I

529
00:24:42,680 --> 00:24:44,439
Speaker 1: guess what really is so crazy to me. It's like,

530
00:24:44,560 --> 00:24:49,840
Speaker 1: so that's like saying if your skin is brown, you

531
00:24:49,880 --> 00:24:52,000
Speaker 1: cannot attend. You're like, well, girl, you know I was

532
00:24:52,000 --> 00:24:54,760
Speaker 1: born like this, right, Like like my hair, I don't

533
00:24:54,840 --> 00:24:58,320
Speaker 1: I'm not manipulating it to be this. It just is this.

534
00:24:58,600 --> 00:25:00,840
Speaker 1: So what you're saying is that I have to be

535
00:25:01,119 --> 00:25:05,240
Speaker 1: unnatural in order to be acceptable. That to me is

536
00:25:05,359 --> 00:25:10,280
Speaker 1: just insane, crazy and totally racist. Oh lord, I'm weary. Right.

537
00:25:10,359 --> 00:25:12,560
Speaker 1: You read some of these things and you're just like, oh,

538
00:25:12,600 --> 00:25:13,680
Speaker 1: this world sucks.

539
00:25:16,560 --> 00:25:21,280
Speaker 2: It's a it's a mad I mean where it's I mean,

540
00:25:21,720 --> 00:25:26,480
Speaker 2: this was happening before the you know, current leadership changed

541
00:25:26,480 --> 00:25:30,680
Speaker 2: in America. But it just makes everything seems much worse,

542
00:25:30,720 --> 00:25:32,840
Speaker 2: doesn't it feel like everything that happens now, it's like

543
00:25:32,960 --> 00:25:39,200
Speaker 2: and Trump is president. You can't even look for comfort

544
00:25:39,240 --> 00:25:42,960
Speaker 2: at our black president anymore and have hope. Now it's

545
00:25:43,000 --> 00:25:45,480
Speaker 2: like all signs are pointing too terrible.

546
00:25:53,240 --> 00:25:56,840
Speaker 1: Yeah, and now it's time for brown break, brown boost,

547
00:25:57,600 --> 00:25:59,280
Speaker 1: brown break, brown booths. I wish you could see me

548
00:25:59,480 --> 00:26:02,480
Speaker 1: my shoulders that I'm doing like this hand thing. You

549
00:26:02,480 --> 00:26:04,280
Speaker 1: can hear it right, Like brown break brown I'm doing

550
00:26:04,320 --> 00:26:06,600
Speaker 1: like this little shoulder shindy and like you know, my

551
00:26:06,680 --> 00:26:09,840
Speaker 1: hands are I'm giving jazz hands and they're like pumping

552
00:26:09,840 --> 00:26:11,400
Speaker 1: the air. Brown break, brown booths.

553
00:26:11,800 --> 00:26:14,600
Speaker 2: So just a really good picture.

554
00:26:15,000 --> 00:26:17,000
Speaker 1: Yeah, so you could see me, you know, just a

555
00:26:17,040 --> 00:26:19,919
Speaker 1: little something for the fans. I hope that was not

556
00:26:20,000 --> 00:26:22,960
Speaker 1: too long. So I was telling Mandy before we started

557
00:26:23,000 --> 00:26:27,000
Speaker 1: taping that Superman and I were at a home a

558
00:26:27,000 --> 00:26:28,919
Speaker 1: first time Homebuyers class that he has to take in

559
00:26:29,000 --> 00:26:31,480
Speaker 1: order to be certified and so he can get like

560
00:26:31,480 --> 00:26:34,920
Speaker 1: a certain mortgage. And when we were in there, a

561
00:26:34,920 --> 00:26:36,280
Speaker 1: guy comes up to me. He's like, oh my gosh,

562
00:26:36,280 --> 00:26:39,080
Speaker 1: ire the budget Tista. I was like, Nista, but close enough,

563
00:26:39,320 --> 00:26:43,240
Speaker 1: and so I can't remember his name. I think your

564
00:26:43,280 --> 00:26:45,520
Speaker 1: name is Jamal. I can't remember though, because I have

565
00:26:45,560 --> 00:26:49,000
Speaker 1: a bad memory. But anyway, he said he loved the podcast,

566
00:26:49,280 --> 00:26:51,719
Speaker 1: you know, but we chatted too much in the beginning.

567
00:26:51,720 --> 00:26:54,199
Speaker 1: I'm like, dude, like that's what we do. So I

568
00:26:54,240 --> 00:26:57,040
Speaker 1: hope that wasn't too long for you, Jamal, I think

569
00:26:57,119 --> 00:26:58,000
Speaker 1: you know it doesn't.

570
00:26:57,720 --> 00:26:59,639
Speaker 2: You also want us to smile more or something.

571
00:27:02,000 --> 00:27:03,520
Speaker 1: Now. He was really nice though, but he was like

572
00:27:03,560 --> 00:27:05,320
Speaker 1: it's a great podcast and that you know, we're doing

573
00:27:05,359 --> 00:27:07,800
Speaker 1: great work. So shots to you, even though I should

574
00:27:07,800 --> 00:27:09,560
Speaker 1: have gotten your name down, but I'm sorry. You know

575
00:27:09,600 --> 00:27:10,080
Speaker 1: who you are.

576
00:27:10,520 --> 00:27:11,320
Speaker 2: It's okay.

577
00:27:13,119 --> 00:27:15,480
Speaker 1: So are you breaking or are you basting?

578
00:27:16,160 --> 00:27:19,000
Speaker 2: I'm gonna do a break and a boost. I feel

579
00:27:19,040 --> 00:27:21,919
Speaker 2: like every break should be followed by a boost. That

580
00:27:22,080 --> 00:27:24,960
Speaker 2: is the way it should be. So my I'm gonna

581
00:27:24,960 --> 00:27:26,800
Speaker 2: take a break. So my break is going to be

582
00:27:27,080 --> 00:27:31,639
Speaker 2: insurance deductibles. Now, I know you're all falling asleep right now,

583
00:27:31,720 --> 00:27:34,359
Speaker 2: but I don't know if you've noticed if you have insurance,

584
00:27:34,359 --> 00:27:39,359
Speaker 2: but like deductibles are becoming increasingly and I mean like increasingly,

585
00:27:39,440 --> 00:27:42,880
Speaker 2: like record levels of health plans have deductibles where it's

586
00:27:42,920 --> 00:27:46,320
Speaker 2: like you pay money for health coverage and then they're like, okay,

587
00:27:46,320 --> 00:27:48,400
Speaker 2: thanks for your money. Now we're going to need more

588
00:27:48,440 --> 00:27:51,520
Speaker 2: money before we actually start giving you insurance. And it's

589
00:27:51,680 --> 00:27:53,840
Speaker 2: I've never had a plan until now. I guess I've

590
00:27:53,840 --> 00:27:57,560
Speaker 2: been really fortunate that has a deductible. So when I,

591
00:27:58,240 --> 00:28:00,920
Speaker 2: for example, my deductibles one thousand dollar, and that means

592
00:28:00,960 --> 00:28:04,640
Speaker 2: anything beyond like my preventative care, like my little ten

593
00:28:04,680 --> 00:28:07,080
Speaker 2: dollars copay or whatever it is, twenty five dollars copay

594
00:28:07,160 --> 00:28:12,359
Speaker 2: for my physical or PAP smerror or whatever. Anything beyond

595
00:28:12,400 --> 00:28:15,960
Speaker 2: that I have to pay out of pocket. So for

596
00:28:16,000 --> 00:28:19,399
Speaker 2: the first time this year, I've really taken advantage and

597
00:28:19,400 --> 00:28:22,360
Speaker 2: this is gonna be my boost. So the break is deductibles.

598
00:28:22,400 --> 00:28:25,520
Speaker 2: I feel your pain, and I'm a single person. My

599
00:28:25,640 --> 00:28:28,120
Speaker 2: deductible would be way higher if I were a family.

600
00:28:28,560 --> 00:28:32,240
Speaker 2: I think the average I mean some plan, some plans

601
00:28:32,280 --> 00:28:34,560
Speaker 2: for families, Like if you have a couple kids can

602
00:28:34,600 --> 00:28:38,840
Speaker 2: easily be six seven thousand dollars deductible for the year.

603
00:28:40,240 --> 00:28:42,720
Speaker 2: So if your kid, like you know, breaks their arm

604
00:28:42,800 --> 00:28:45,120
Speaker 2: or they need like you know, you need, you need

605
00:28:45,200 --> 00:28:48,120
Speaker 2: care beyond the preventative stuff that's covered you know, one

606
00:28:48,200 --> 00:28:51,960
Speaker 2: hundred percent under the current healthcare law, which you know

607
00:28:52,160 --> 00:28:55,560
Speaker 2: may change, then yeah, you have to pay out of

608
00:28:55,560 --> 00:28:59,680
Speaker 2: pocket for that crap. So deductible's boo. So one of

609
00:28:59,680 --> 00:29:01,440
Speaker 2: the quot should we get a lot of magnified money.

610
00:29:01,440 --> 00:29:03,840
Speaker 2: And one of the things that I've learned, especially this

611
00:29:03,920 --> 00:29:07,479
Speaker 2: year having a plan with a deductible, is how to

612
00:29:08,200 --> 00:29:11,720
Speaker 2: get discounts for paying for out of pocket for services.

613
00:29:11,760 --> 00:29:14,680
Speaker 2: So I realized and I should have known, because my

614
00:29:14,760 --> 00:29:17,400
Speaker 2: dad has been playing this system for years because he's

615
00:29:17,560 --> 00:29:20,440
Speaker 2: like hardly ever had health insurance. And when you pay

616
00:29:20,560 --> 00:29:24,200
Speaker 2: cash for things, for example, I need I need to

617
00:29:24,200 --> 00:29:26,120
Speaker 2: get a tooth taken out, which I've needed to taken

618
00:29:26,200 --> 00:29:27,680
Speaker 2: like for a year. I've had to get this tooth

619
00:29:27,680 --> 00:29:30,960
Speaker 2: taken out. I'm currently negotiating with my dentist to try

620
00:29:31,000 --> 00:29:34,480
Speaker 2: and get a more affordable cash rate because my insurance

621
00:29:34,520 --> 00:29:38,200
Speaker 2: isn't covering it, so they're giving me like five hundred

622
00:29:38,240 --> 00:29:41,760
Speaker 2: dollars off what they would typically charge the ensure. Oh,

623
00:29:42,640 --> 00:29:47,000
Speaker 2: and what I'm going to do? Well, what I tried

624
00:29:47,000 --> 00:29:49,000
Speaker 2: to do. What I kind of did, but I didn't

625
00:29:49,000 --> 00:29:51,600
Speaker 2: put enough in there. My plan was to put put

626
00:29:51,720 --> 00:29:56,280
Speaker 2: enough money in my flex Savings account, my flexible savings account,

627
00:29:56,320 --> 00:29:59,240
Speaker 2: which is an account you can create a lot of

628
00:29:59,280 --> 00:30:01,400
Speaker 2: employers off for it, and you can put money into

629
00:30:01,400 --> 00:30:04,640
Speaker 2: your FSA and it's pre tax dollars and you can

630
00:30:04,760 --> 00:30:08,640
Speaker 2: use those pre tax dollars to pay for medical expenses, copays,

631
00:30:09,040 --> 00:30:11,360
Speaker 2: even some over the counter medicines. Like I think I

632
00:30:11,400 --> 00:30:14,800
Speaker 2: paid for allergy nasal spray and it was covered by

633
00:30:14,800 --> 00:30:17,320
Speaker 2: my copay. I think they even covered a heating pad

634
00:30:17,360 --> 00:30:20,880
Speaker 2: I bought one time I forget, you know, any anytime

635
00:30:20,920 --> 00:30:23,280
Speaker 2: I go to a doctor, I use my FSA debit card.

636
00:30:23,800 --> 00:30:26,320
Speaker 2: Or I pay for prescription, I use my FSA debit card.

637
00:30:27,160 --> 00:30:30,280
Speaker 2: So my plan was to, yeah, I and I've really

638
00:30:30,680 --> 00:30:32,720
Speaker 2: learned a lot about FSAs and I and I found

639
00:30:32,760 --> 00:30:35,800
Speaker 2: out that my husband doesn't even use his FSA, and

640
00:30:35,840 --> 00:30:39,240
Speaker 2: I'm like, we all need to have FSAs because I

641
00:30:39,240 --> 00:30:42,320
Speaker 2: mean I even use it to buy my eyeglasses. So

642
00:30:42,360 --> 00:30:46,160
Speaker 2: my glasses are one hundred bucks and buy you. By

643
00:30:46,200 --> 00:30:48,920
Speaker 2: paying for my glasses with pre tax dollars, I'm basically

644
00:30:49,000 --> 00:30:51,360
Speaker 2: saving like fifteen twenty percent. Depending on what your tax

645
00:30:51,360 --> 00:30:54,160
Speaker 2: bracket is, it changes like how much you're actually taxed.

646
00:30:54,680 --> 00:30:57,400
Speaker 2: So that's my boost for an FSA. If you if

647
00:30:57,440 --> 00:31:00,000
Speaker 2: you even if you don't have a high deductible health

648
00:31:00,040 --> 00:31:04,000
Speaker 2: care plan, if you buy things like glasses, contact Solution,

649
00:31:04,320 --> 00:31:07,760
Speaker 2: even if you have to buy new contacts a couple

650
00:31:07,760 --> 00:31:10,200
Speaker 2: of times a year, or you just want to, you know,

651
00:31:10,240 --> 00:31:13,280
Speaker 2: get a little discount off your basic copays. I would

652
00:31:13,360 --> 00:31:16,480
Speaker 2: highly suggest looking into getting an FSA, and it may

653
00:31:16,560 --> 00:31:20,720
Speaker 2: seem complicated, but it's well worth it. And even some

654
00:31:20,880 --> 00:31:25,120
Speaker 2: employers you can get your So some employers have an

655
00:31:25,200 --> 00:31:28,280
Speaker 2: FSA where and this kind of sucks where you put

656
00:31:28,280 --> 00:31:29,960
Speaker 2: the money in and either use it or you lose it.

657
00:31:31,120 --> 00:31:33,200
Speaker 2: So at like decemberg rolls around, you're like, oh god,

658
00:31:33,240 --> 00:31:36,160
Speaker 2: I gotta go to dayne read and get everything. But

659
00:31:36,440 --> 00:31:40,080
Speaker 2: some employers are now so my employer, for example, we

660
00:31:40,160 --> 00:31:43,600
Speaker 2: can roll over anything under five hundred dollars, so I

661
00:31:43,600 --> 00:31:45,440
Speaker 2: have a little bit of a cushion. But if you

662
00:31:45,480 --> 00:31:47,080
Speaker 2: sit down like I did, and I was like, Okay,

663
00:31:47,080 --> 00:31:48,600
Speaker 2: I'm I had to get this tooth taken out, and

664
00:31:48,640 --> 00:31:51,440
Speaker 2: I'm adding up, I'm kind of estimating how much I'm

665
00:31:51,440 --> 00:31:54,640
Speaker 2: going to need for my healthcare expenses for the year,

666
00:31:54,720 --> 00:31:57,239
Speaker 2: and I just put that onto my FSA and then

667
00:31:57,280 --> 00:31:59,800
Speaker 2: hopefully it kind of all works out. So I'm going

668
00:32:00,480 --> 00:32:04,320
Speaker 2: I'm negotiating the cash rate for paying out of pocket

669
00:32:04,640 --> 00:32:06,560
Speaker 2: at my dentist, and then I'm also going to be

670
00:32:06,560 --> 00:32:10,720
Speaker 2: paying with my FSA card and hopefully saving We'll definitely

671
00:32:10,760 --> 00:32:13,200
Speaker 2: saving more on top of that.

672
00:32:13,200 --> 00:32:15,240
Speaker 1: That's a great but you have me looking into it.

673
00:32:15,280 --> 00:32:17,520
Speaker 1: I'm like, sit, man, let's say baby.

674
00:32:17,560 --> 00:32:19,520
Speaker 2: And then if you have and just real quick, if

675
00:32:19,520 --> 00:32:21,520
Speaker 2: you have a high deductible health plan, there's like a

676
00:32:21,520 --> 00:32:24,440
Speaker 2: certain benchmark and it depends on whether you're and the

677
00:32:24,520 --> 00:32:26,160
Speaker 2: I don't won't get into the nitty gritty, but basically,

678
00:32:26,160 --> 00:32:28,080
Speaker 2: if you have a really high deductible like mine's only

679
00:32:28,120 --> 00:32:31,320
Speaker 2: a thousand, that's not considered a high deductible. If you

680
00:32:31,360 --> 00:32:33,680
Speaker 2: have a high one, then you probably have what's called

681
00:32:33,680 --> 00:32:35,920
Speaker 2: an HSA, which is a health savings account, which is

682
00:32:36,000 --> 00:32:39,160
Speaker 2: very very similar to an FSA. It's where you put

683
00:32:39,200 --> 00:32:41,960
Speaker 2: money in your account before taxes come out. So you

684
00:32:42,000 --> 00:32:45,240
Speaker 2: can have tax free money to use for your out

685
00:32:45,280 --> 00:32:47,800
Speaker 2: of pocket healthcare expenses. But the better thing about the

686
00:32:47,920 --> 00:32:50,240
Speaker 2: HSA is that you can take it with you. Doesn't

687
00:32:50,280 --> 00:32:53,000
Speaker 2: there's no you know, use it or lose it rule.

688
00:32:53,480 --> 00:32:56,080
Speaker 2: So definitely, and if you guys have we don't really

689
00:32:56,080 --> 00:32:59,160
Speaker 2: get a lot of questions about the cost of health care,

690
00:32:59,200 --> 00:33:01,400
Speaker 2: and I feel like that's it's definitely something that people

691
00:33:01,400 --> 00:33:02,880
Speaker 2: out there are dealing with. So if you guys have

692
00:33:02,920 --> 00:33:07,120
Speaker 2: any you know, medical or you know debt situations, even

693
00:33:07,240 --> 00:33:11,120
Speaker 2: that's a huge and common problem that people have as

694
00:33:11,200 --> 00:33:14,160
Speaker 2: medical debts. So if you guys have any issues like that,

695
00:33:14,800 --> 00:33:15,720
Speaker 2: don't be a stranger.

696
00:33:17,440 --> 00:33:18,680
Speaker 1: Don't be a stranger.

697
00:33:18,960 --> 00:33:20,480
Speaker 2: Oh, I guess I should say where you can send

698
00:33:20,520 --> 00:33:24,280
Speaker 2: questions to. Yeah, just go to Brown Ambition Podcast dot

699
00:33:24,320 --> 00:33:28,040
Speaker 2: com or email us at Brown Ambition Podcast at gmail

700
00:33:28,280 --> 00:33:30,440
Speaker 2: dot com dot com.

701
00:33:30,440 --> 00:33:34,440
Speaker 1: I'm back. So I'm gonna boost. I'm gonna boost, and

702
00:33:34,480 --> 00:33:38,240
Speaker 1: my boost is going to be black girls. And here's why.

703
00:33:38,360 --> 00:33:40,760
Speaker 1: So I'm not sure how I feel about the title,

704
00:33:40,800 --> 00:33:43,760
Speaker 1: but Forbes just put out an article today and the

705
00:33:43,800 --> 00:33:47,080
Speaker 1: name of the article is the next trend in leadership

706
00:33:47,320 --> 00:33:51,920
Speaker 1: Black Women. And I feel a little somehow about the word.

707
00:33:51,800 --> 00:33:55,760
Speaker 2: Trendla women are in now, I know, let's let's promote them.

708
00:33:56,520 --> 00:33:58,320
Speaker 1: Yeah. So I'm like, I don't know, I find like

709
00:33:58,320 --> 00:34:01,160
Speaker 1: the word trend, but I you know, I definitely want

710
00:34:01,200 --> 00:34:05,120
Speaker 1: to say that there is definitely this surge in not

711
00:34:05,240 --> 00:34:08,719
Speaker 1: in black girl magic and blacker awesomeness because clearly it's

712
00:34:08,719 --> 00:34:12,759
Speaker 1: been here, but the surge and recognizing it. And so

713
00:34:12,800 --> 00:34:15,719
Speaker 1: the article, I guess the person who wrote it, they

714
00:34:15,760 --> 00:34:20,480
Speaker 1: attended several like either conferences or events, and one of

715
00:34:20,520 --> 00:34:23,080
Speaker 1: the events I was part of it was for this

716
00:34:23,160 --> 00:34:26,719
Speaker 1: company called genie Box. It was at Google in New York,

717
00:34:27,160 --> 00:34:30,360
Speaker 1: and they had like a I forget the name of

718
00:34:30,400 --> 00:34:32,680
Speaker 1: the group at Google. It was like either Black Women

719
00:34:32,680 --> 00:34:35,120
Speaker 1: in Tech or something to that effect, and they invited

720
00:34:35,160 --> 00:34:37,480
Speaker 1: genie Box, and genie Box invited me and a bunch

721
00:34:37,520 --> 00:34:39,600
Speaker 1: of other awesome, amazing women to speak and I got

722
00:34:39,600 --> 00:34:43,000
Speaker 1: to do a keynote, which is pretty awesome. And it

723
00:34:43,120 --> 00:34:45,400
Speaker 1: just was dope because there was all these different type

724
00:34:45,480 --> 00:34:49,399
Speaker 1: of just all this brown ambition in the room representing

725
00:34:49,480 --> 00:34:51,879
Speaker 1: whether it's like there was Veronica Web, for example, who

726
00:34:51,920 --> 00:34:54,520
Speaker 1: is a supermodel, one of the original supermodels, but then

727
00:34:54,560 --> 00:34:57,000
Speaker 1: there were also women in business we were like, and

728
00:34:57,040 --> 00:35:01,960
Speaker 1: then there was Jamila LaRue. She's like an editor, she's

729
00:35:01,960 --> 00:35:03,880
Speaker 1: been an editor at Ebony for a long time, and

730
00:35:04,600 --> 00:35:06,919
Speaker 1: so there were just all these amazing women who were there,

731
00:35:07,120 --> 00:35:10,640
Speaker 1: and I just think that I just want to give

732
00:35:10,680 --> 00:35:13,440
Speaker 1: a boost to that that in all of this darkness,

733
00:35:13,480 --> 00:35:17,520
Speaker 1: there's this bright brightness in brown girl awesomeness and black

734
00:35:17,520 --> 00:35:20,480
Speaker 1: girl awesomeness. And it was just nice to see, even

735
00:35:20,520 --> 00:35:22,160
Speaker 1: though I didn't like the whole fact that it was

736
00:35:22,160 --> 00:35:24,200
Speaker 1: a trend. Like I said, we've been out here, we've

737
00:35:24,239 --> 00:35:27,719
Speaker 1: been here, but finally y'all are starting to recognize. I

738
00:35:27,719 --> 00:35:29,400
Speaker 1: mean not y'all, because you know, y'all are brown ambition,

739
00:35:29,520 --> 00:35:33,280
Speaker 1: but y'all as in the world at large is starting

740
00:35:33,320 --> 00:35:43,920
Speaker 1: to recognize. All right, So that's brown, my brown booths,

741
00:35:43,920 --> 00:35:47,239
Speaker 1: black women and that Forbes articles sand the trend part

742
00:35:48,400 --> 00:35:49,400
Speaker 1: absolutely Monday.

743
00:35:49,600 --> 00:35:51,640
Speaker 2: So shall we move on to our question?

744
00:35:52,160 --> 00:35:55,120
Speaker 1: Yes, question, So you can come back now, Jamal, even

745
00:35:55,160 --> 00:35:56,719
Speaker 1: if that's not your name, that's your name now, so

746
00:35:56,760 --> 00:35:58,400
Speaker 1: you can come back now. We're gonna stalk.

747
00:36:00,760 --> 00:36:09,520
Speaker 2: He's like, it's Jeffrey, but thanks budget Tista.

748
00:36:10,760 --> 00:36:12,920
Speaker 1: Why He's like, you know what, I'm purposely calling you

749
00:36:12,960 --> 00:36:13,760
Speaker 1: that for now.

750
00:36:15,719 --> 00:36:17,200
Speaker 2: He wanted you to know that you as a fan,

751
00:36:17,760 --> 00:36:19,480
Speaker 2: but like not such a fan that you would get

752
00:36:19,520 --> 00:36:20,080
Speaker 2: your name right?

753
00:36:21,440 --> 00:36:26,360
Speaker 1: Why is like that? Oh my gosh, all right, so

754
00:36:26,800 --> 00:36:28,680
Speaker 1: question questions.

755
00:36:29,160 --> 00:36:32,120
Speaker 2: Yes, so today's question just comes. We'll just call her

756
00:36:32,239 --> 00:36:34,800
Speaker 2: g since I'm not sure if she wants to be

757
00:36:34,840 --> 00:36:38,680
Speaker 2: out there or not. She has a question about refinancing

758
00:36:38,760 --> 00:36:41,560
Speaker 2: her student loans. Oh, she just saysn't it's fine to

759
00:36:41,640 --> 00:36:43,600
Speaker 2: use my name, thank you. Her name is Grace. I

760
00:36:43,640 --> 00:36:47,120
Speaker 2: love that name me too, Grace a pretty name. Okay,

761
00:36:47,200 --> 00:36:51,920
Speaker 2: Gray says, I'm considering refinancing my student loans, federal student loans.

762
00:36:52,520 --> 00:36:56,560
Speaker 2: I have a little over thirty seven thousand dollars perfectly normal,

763
00:36:56,719 --> 00:36:59,880
Speaker 2: with an interest rate of six point eight percent and

764
00:37:00,360 --> 00:37:04,720
Speaker 2: over one hundred payments left. My question is, I'm worried

765
00:37:04,760 --> 00:37:08,759
Speaker 2: about the security of this public service student loan forgiveness

766
00:37:08,800 --> 00:37:12,239
Speaker 2: program and this potential seven to eight year window that

767
00:37:12,280 --> 00:37:14,360
Speaker 2: I have left. And just as a side note, if

768
00:37:14,400 --> 00:37:16,959
Speaker 2: you guys aren't familiar, if you have federal student debt

769
00:37:17,200 --> 00:37:21,680
Speaker 2: and you work for a nonprofit or a public organization

770
00:37:21,719 --> 00:37:26,280
Speaker 2: of government organization, basically, after making one hundred and twenty

771
00:37:26,320 --> 00:37:29,160
Speaker 2: on time payments for your federal student loans. You are

772
00:37:29,200 --> 00:37:33,000
Speaker 2: supposed to be eligible for public student loan forgiveness. And

773
00:37:33,080 --> 00:37:35,319
Speaker 2: I don't know if you guys caught this, but about

774
00:37:35,360 --> 00:37:37,439
Speaker 2: a month ago, I want to say, but maybe yeah,

775
00:37:37,560 --> 00:37:40,160
Speaker 2: April or March, there was this big story in the

776
00:37:40,160 --> 00:37:42,400
Speaker 2: New York Times. I don't think it got very much attention,

777
00:37:43,000 --> 00:37:46,680
Speaker 2: but basically, the public student loan forgiveness program came about

778
00:37:46,719 --> 00:37:47,680
Speaker 2: in two thousand and seven.

779
00:37:48,160 --> 00:37:48,799
Speaker 1: That was.

780
00:37:50,960 --> 00:37:54,160
Speaker 2: About ten years ago, and obviously one hundred and twenty

781
00:37:54,160 --> 00:37:57,760
Speaker 2: on time payments is ten years. So the first class

782
00:37:57,800 --> 00:38:00,520
Speaker 2: of people who were supposed to be eligible for this

783
00:38:00,640 --> 00:38:02,960
Speaker 2: public student loan forgiveness that they've been promised, you know,

784
00:38:03,000 --> 00:38:06,040
Speaker 2: for the past decade came forward. Obviously, they're starting to

785
00:38:06,040 --> 00:38:08,720
Speaker 2: come forward and be like, so how about that student

786
00:38:08,760 --> 00:38:10,920
Speaker 2: loan forgiveness? Can I get these loans taken care of?

787
00:38:11,560 --> 00:38:13,239
Speaker 2: And it turns out that a lot of them are

788
00:38:13,239 --> 00:38:17,799
Speaker 2: finding out that their jobs didn't qualify or this one

789
00:38:17,880 --> 00:38:21,040
Speaker 2: job did qualify, but then when you move jobs, they didn't.

790
00:38:21,120 --> 00:38:24,120
Speaker 2: And so they're finding out that it's not as you know, shockingly,

791
00:38:24,280 --> 00:38:26,319
Speaker 2: that it's not as that it's not as cut and

792
00:38:26,400 --> 00:38:29,560
Speaker 2: dry and easy to get that public student loan forgiveness

793
00:38:29,600 --> 00:38:32,280
Speaker 2: as it's they sort of make it seem and it's

794
00:38:32,560 --> 00:38:35,319
Speaker 2: kind of a complicated thing, and you have to make

795
00:38:35,360 --> 00:38:39,400
Speaker 2: sure that your employer is sending every year that your

796
00:38:39,440 --> 00:38:42,640
Speaker 2: employer still counts under the public student loan forgiveness program,

797
00:38:42,680 --> 00:38:45,960
Speaker 2: which you can figure out by calling your loan servicer

798
00:38:46,760 --> 00:38:50,280
Speaker 2: directly and discussing it. And you also have to reapply

799
00:38:50,400 --> 00:38:53,920
Speaker 2: I think every year get your I think you have

800
00:38:53,960 --> 00:38:57,120
Speaker 2: to be enrolled in the income driven Repayment plan. And

801
00:38:57,520 --> 00:39:00,880
Speaker 2: when you're enrolled in income driven Repayment Plan, you have

802
00:39:00,920 --> 00:39:02,719
Speaker 2: to call over or not call every year, but you

803
00:39:02,800 --> 00:39:07,680
Speaker 2: have to recertify your enrollment every year, which I think

804
00:39:08,000 --> 00:39:10,200
Speaker 2: mainly it means you go to the website and you

805
00:39:10,239 --> 00:39:13,560
Speaker 2: submit your income once again, and then they just sort

806
00:39:13,600 --> 00:39:16,759
Speaker 2: of say, okay, cool, you're still enrolled in this plan.

807
00:39:17,200 --> 00:39:18,600
Speaker 2: And you had to keep doing that for ten years.

808
00:39:18,600 --> 00:39:23,239
Speaker 2: So anyway, I had to give all that back that background,

809
00:39:23,600 --> 00:39:25,480
Speaker 2: I guess to sort of like set up the context

810
00:39:25,520 --> 00:39:28,600
Speaker 2: for what her question is. So she says, she has

811
00:39:28,640 --> 00:39:31,640
Speaker 2: one hundred and seven payments left, and now she's worried

812
00:39:31,640 --> 00:39:35,880
Speaker 2: about the security of this public student loan forgiveness program

813
00:39:36,120 --> 00:39:39,520
Speaker 2: because she still has about eight years left. She shows

814
00:39:39,520 --> 00:39:41,600
Speaker 2: that if I forgive my loans, I'll be able to

815
00:39:41,640 --> 00:39:46,240
Speaker 2: defer twelve thousand dollars of the total loan balance plus interest.

816
00:39:47,440 --> 00:39:49,879
Speaker 2: But if I were to refinance my loans, that would

817
00:39:49,920 --> 00:39:52,600
Speaker 2: save me six to ten thousand dollars over the lifetime

818
00:39:52,600 --> 00:39:55,400
Speaker 2: of the loan right now, So I'm wondering if it

819
00:39:55,440 --> 00:39:58,040
Speaker 2: isn't in my best interest to stick it out and

820
00:39:58,160 --> 00:40:01,160
Speaker 2: wait for the public service forgiveness and hope Congress doesn't

821
00:40:01,160 --> 00:40:04,719
Speaker 2: pull it, or should I just switch over now with

822
00:40:04,800 --> 00:40:07,880
Speaker 2: our current political climate, I have six month of income

823
00:40:07,960 --> 00:40:10,200
Speaker 2: saved for a rainy day, so I'm less concerned about

824
00:40:10,200 --> 00:40:13,560
Speaker 2: the benefits of deferment and more concerned about overall payments

825
00:40:13,920 --> 00:40:15,600
Speaker 2: towards the loans.

826
00:40:16,320 --> 00:40:18,840
Speaker 1: Does she say how much? How much would be forgiven

827
00:40:19,080 --> 00:40:19,760
Speaker 1: at the end.

828
00:40:19,800 --> 00:40:23,440
Speaker 2: So yes, so her she's looked at her schedule and

829
00:40:23,480 --> 00:40:26,480
Speaker 2: it says that if she were to have if she

830
00:40:26,520 --> 00:40:29,960
Speaker 2: were to wait and stick, keep making her payments and

831
00:40:30,000 --> 00:40:32,120
Speaker 2: then wait for the next seven eight years to go

832
00:40:32,160 --> 00:40:34,440
Speaker 2: buy and get the rest of her debt forgiven, she

833
00:40:34,440 --> 00:40:38,240
Speaker 2: would save twelve thousand dollars, and that includes the leftover

834
00:40:38,280 --> 00:40:41,840
Speaker 2: balance plus interest. So she stands to save twelve thousand

835
00:40:41,840 --> 00:40:45,120
Speaker 2: dollars potentially if this public student loan forgiveness program goes

836
00:40:45,160 --> 00:40:48,800
Speaker 2: perfectly for her, if she refinances and gets a lower

837
00:40:49,200 --> 00:40:51,360
Speaker 2: interest rate. Remember her interest rate on this three seven

838
00:40:51,440 --> 00:40:54,640
Speaker 2: thousand dollars loan is six point eight percent, which is

839
00:40:54,719 --> 00:40:57,880
Speaker 2: quite high. Yeah, so if she were to refinance, she'd

840
00:40:57,880 --> 00:41:01,680
Speaker 2: be saving between six and ten thousand dollars over the lifetime.

841
00:41:01,280 --> 00:41:02,760
Speaker 1: Of the loan. Okay.

842
00:41:03,239 --> 00:41:08,520
Speaker 2: And this is actually it's an interesting question because my Enrique,

843
00:41:08,640 --> 00:41:11,640
Speaker 2: my husband, is going through the exact same thing, that

844
00:41:11,719 --> 00:41:15,640
Speaker 2: same conundrum, because he's got he's got about twenty thousand dollars.

845
00:41:15,680 --> 00:41:18,120
Speaker 2: He's in a bit better shape because only one of

846
00:41:18,120 --> 00:41:20,960
Speaker 2: his loans is at six percent, but he's got about

847
00:41:21,000 --> 00:41:23,600
Speaker 2: twenty thousand dollars. And we just asked our planner. We

848
00:41:23,719 --> 00:41:25,920
Speaker 2: keep going back and forth. We just asked her finally,

849
00:41:25,960 --> 00:41:27,520
Speaker 2: you know, is it a good idea, like should we

850
00:41:27,560 --> 00:41:30,640
Speaker 2: count on this public student loan forgiveness or should we

851
00:41:30,719 --> 00:41:32,799
Speaker 2: just go ahead and aggressively pay it down and just

852
00:41:32,800 --> 00:41:36,800
Speaker 2: get rid of it? And I think she's done the

853
00:41:36,840 --> 00:41:39,920
Speaker 2: right thing by actually doing the math first. And I'm

854
00:41:39,960 --> 00:41:42,879
Speaker 2: gonna I mean, it's really up to you. It's sort

855
00:41:42,880 --> 00:41:45,959
Speaker 2: of I would say, I'll tell you what our planner says. Okay,

856
00:41:45,960 --> 00:41:48,600
Speaker 2: she's a certify financial planner. I'm putting you on the spot. Helen.

857
00:41:49,000 --> 00:41:52,720
Speaker 2: She said, I would not count on this government program

858
00:41:52,760 --> 00:41:55,040
Speaker 2: being there seven to eight years down the line. I

859
00:41:55,040 --> 00:41:58,400
Speaker 2: would not put I would not bet on it. Anything

860
00:41:58,440 --> 00:42:00,960
Speaker 2: can happen. And this was an O the error policy.

861
00:42:01,040 --> 00:42:03,279
Speaker 2: Anything happened to this program.

862
00:42:03,200 --> 00:42:07,640
Speaker 1: Because there's a program like this before Obama reinstated it,

863
00:42:07,840 --> 00:42:10,040
Speaker 1: and I applied for it when I was still teaching

864
00:42:10,080 --> 00:42:15,520
Speaker 1: preschool and President Bush had dismantled it. So when I

865
00:42:15,560 --> 00:42:17,120
Speaker 1: went to go apply, they're like, oh, yeah, under this

866
00:42:17,120 --> 00:42:21,160
Speaker 1: president's no longer. So that's very real because I remember

867
00:42:21,520 --> 00:42:23,960
Speaker 1: being a teacher. This is before you know, it's over

868
00:42:24,000 --> 00:42:25,919
Speaker 1: ten years ago, and I remember trying apply for because

869
00:42:25,920 --> 00:42:27,840
Speaker 1: I'm like, oh, I'm a teacher. I teach in Newark.

870
00:42:27,920 --> 00:42:31,040
Speaker 1: I totally qualify and it's not only my teacher, but

871
00:42:31,040 --> 00:42:33,879
Speaker 1: it's also a nonprofit double whammy. And they were like, yeah,

872
00:42:34,000 --> 00:42:37,719
Speaker 1: unfortunately this program is no longer in existence. I'm like, wait, what,

873
00:42:38,680 --> 00:42:41,680
Speaker 1: So that's a very real fear so question. So the

874
00:42:42,120 --> 00:42:45,960
Speaker 1: she refinancing with the federal government or with a private

875
00:42:45,960 --> 00:42:46,840
Speaker 1: student loan company.

876
00:42:47,000 --> 00:42:49,080
Speaker 2: So when you have federal student loan debt, you actually

877
00:42:49,120 --> 00:42:51,480
Speaker 2: can't refinance it. You have to do a debt consolidation.

878
00:42:52,280 --> 00:42:54,640
Speaker 2: And it's actually not a good option for her because

879
00:42:54,680 --> 00:42:57,719
Speaker 2: all that happens when you consolidate your debt through the

880
00:42:57,760 --> 00:43:01,040
Speaker 2: direct loan program the federal program is that they take

881
00:43:01,040 --> 00:43:03,840
Speaker 2: the average of your interest rates. So it sounds like

882
00:43:03,880 --> 00:43:06,359
Speaker 2: all her loans are six point eight percent. So she's

883
00:43:06,400 --> 00:43:09,800
Speaker 2: not gonna save anything. So her question, her second question

884
00:43:10,239 --> 00:43:13,320
Speaker 2: is if I do refinance, how do I pick a

885
00:43:13,760 --> 00:43:16,680
Speaker 2: refinancing option. So this is where these new lenders, these

886
00:43:16,719 --> 00:43:21,480
Speaker 2: new alternative refile lenders come in, Like so far common bond,

887
00:43:21,480 --> 00:43:25,560
Speaker 2: this is what they're doing. They're taking people's student debt

888
00:43:25,640 --> 00:43:29,640
Speaker 2: private and federal and bundling it into one loan and

889
00:43:29,680 --> 00:43:32,680
Speaker 2: then they give you a reduced interest rate and that's

890
00:43:32,719 --> 00:43:35,680
Speaker 2: how you save. And of course, the pros and cons

891
00:43:35,719 --> 00:43:38,760
Speaker 2: of refinancing student loan debt, which we've talked about before,

892
00:43:38,800 --> 00:43:42,239
Speaker 2: but just real quick, the pros Obviously, you save money

893
00:43:42,239 --> 00:43:44,480
Speaker 2: on interest because it's awesome and it can help you

894
00:43:44,600 --> 00:43:47,440
Speaker 2: get better organized, like if you go to school, if

895
00:43:47,480 --> 00:43:49,200
Speaker 2: you go to college for four years, you have a

896
00:43:49,239 --> 00:43:51,960
Speaker 2: loan every semester. That's like eight loans when you graduate,

897
00:43:52,600 --> 00:43:54,560
Speaker 2: and people may and it's hard to keep track, and

898
00:43:54,600 --> 00:43:57,040
Speaker 2: so it's easy if you just refinance everything into one

899
00:43:57,200 --> 00:44:00,440
Speaker 2: individual loan at a lower rate than obviously it just

900
00:44:00,480 --> 00:44:03,480
Speaker 2: makes things easier to manage. But when you do that,

901
00:44:03,560 --> 00:44:06,680
Speaker 2: you have to understand, especially if it's federal loan. If

902
00:44:06,680 --> 00:44:09,040
Speaker 2: it's a federal student loan, then you're going to give

903
00:44:09,160 --> 00:44:13,279
Speaker 2: up your flexible repayment options because you're swapping out your

904
00:44:13,280 --> 00:44:17,240
Speaker 2: federal student loan for a private loan. These companies are private,

905
00:44:18,400 --> 00:44:21,840
Speaker 2: and that's just something to consider too. So if you

906
00:44:21,920 --> 00:44:25,120
Speaker 2: feel like you are struggling to make payments as it is,

907
00:44:27,200 --> 00:44:28,920
Speaker 2: you just have to think about it. There won't be

908
00:44:28,960 --> 00:44:32,080
Speaker 2: a safety net necessarily, there's no you know, private lenders

909
00:44:32,080 --> 00:44:36,279
Speaker 2: don't have forbearans or deferment. You know, they may, but

910
00:44:36,360 --> 00:44:38,440
Speaker 2: it's at their own discretion. It's not like the government

911
00:44:38,480 --> 00:44:44,560
Speaker 2: where it's set in stone. But so my planner basically said,

912
00:44:44,600 --> 00:44:46,399
Speaker 2: don't count on it, just go ahead and pay it off.

913
00:44:46,400 --> 00:44:50,800
Speaker 2: And that's my personal thing. I like the active approach

914
00:44:50,840 --> 00:44:53,319
Speaker 2: to paying down debt. I don't feel like and it

915
00:44:53,360 --> 00:44:55,920
Speaker 2: also just kind of feels like we're relying on like

916
00:44:55,960 --> 00:44:57,879
Speaker 2: we're in a position where we can pay it down.

917
00:44:57,920 --> 00:45:00,560
Speaker 2: You know, it's not like we're really struggle, Like we

918
00:45:00,640 --> 00:45:02,920
Speaker 2: can afford to put extra payments on it. So I'm like,

919
00:45:02,960 --> 00:45:04,839
Speaker 2: why not just do it? You know, we took out,

920
00:45:05,200 --> 00:45:07,839
Speaker 2: you took out the debt. You know, you got the

921
00:45:07,880 --> 00:45:10,320
Speaker 2: services that you needed the debt for, you got your education.

922
00:45:10,719 --> 00:45:13,719
Speaker 2: Let's just pay it down because we can. And it

923
00:45:13,760 --> 00:45:17,719
Speaker 2: sounds like Grace isn't a good situation too financially. She's

924
00:45:18,239 --> 00:45:21,280
Speaker 2: got six months and then come safe for a rainy day.

925
00:45:21,440 --> 00:45:23,360
Speaker 2: It sounds like she maybe could afford to be putting

926
00:45:23,360 --> 00:45:26,600
Speaker 2: a little bit more towards her debt and paying it down.

927
00:45:27,160 --> 00:45:30,279
Speaker 2: So I could see how she maybe would, you know,

928
00:45:30,360 --> 00:45:33,000
Speaker 2: take a similar approach and maybe not count on this

929
00:45:33,080 --> 00:45:36,000
Speaker 2: program being around and just kind of pay things free

930
00:45:36,040 --> 00:45:37,879
Speaker 2: finance to get a lower rate and then just sort

931
00:45:37,880 --> 00:45:41,759
Speaker 2: of attack her debt a little bit more aggressively.

932
00:45:43,120 --> 00:45:48,359
Speaker 1: Yeah, I mean, yeah, I mean I agree honestly, because

933
00:45:48,360 --> 00:45:52,000
Speaker 1: you know, just because seeing how a program like this

934
00:45:52,520 --> 00:45:55,840
Speaker 1: can be here and then not here, it's definitely you

935
00:45:55,840 --> 00:45:57,359
Speaker 1: don't want to I mean, it's a long time. If

936
00:45:57,440 --> 00:45:59,520
Speaker 1: you told me six months or something, I might be like, oh,

937
00:45:59,560 --> 00:46:02,000
Speaker 1: you know, but like seven to eight years, I mean,

938
00:46:02,040 --> 00:46:07,480
Speaker 1: who knows we can have armageddon? Then we've already had

939
00:46:07,520 --> 00:46:10,600
Speaker 1: them again and it's called the elections. That I'm done, Chang,

940
00:46:10,760 --> 00:46:13,359
Speaker 1: I'll be here all night. But yeah, now I.

941
00:46:13,280 --> 00:46:16,560
Speaker 2: Agree, And I can post if you guys are out

942
00:46:16,560 --> 00:46:18,960
Speaker 2: there and you're wondering what some great student loan refi

943
00:46:19,040 --> 00:46:22,799
Speaker 2: options are, we have amazing resources. I can post some

944
00:46:22,840 --> 00:46:26,360
Speaker 2: links to if you go to our website Brand Ambition podcast.

945
00:46:26,400 --> 00:46:29,040
Speaker 2: Every episode on the website, sometimes I'll post some links

946
00:46:29,080 --> 00:46:30,719
Speaker 2: to to stuff we talk about, so I can post

947
00:46:30,719 --> 00:46:34,399
Speaker 2: a couple of helpful articles and her her very last

948
00:46:34,480 --> 00:46:37,960
Speaker 2: question was how do I decide between a fixed or

949
00:46:38,120 --> 00:46:44,080
Speaker 2: variable rate loan when I'm going to refinance? So typically

950
00:46:44,640 --> 00:46:48,120
Speaker 2: variable rate loans have a lower rate, right, Yeah, they're

951
00:46:48,120 --> 00:46:50,319
Speaker 2: a little bit You really need to read the fine

952
00:46:50,360 --> 00:46:53,319
Speaker 2: print when it comes to variable rates because variable it

953
00:46:53,360 --> 00:46:58,319
Speaker 2: means it can change, and they could they could say

954
00:46:58,320 --> 00:46:59,919
Speaker 2: it's going to be you know, one point two percent

955
00:47:00,120 --> 00:47:01,520
Speaker 2: for the first six months, and then we're going to

956
00:47:01,600 --> 00:47:05,560
Speaker 2: start jacking up every six months after that, yep, And

957
00:47:06,040 --> 00:47:07,719
Speaker 2: you just have to sort of read the fine print

958
00:47:07,840 --> 00:47:10,600
Speaker 2: and see if you're really going to be saving fixed rates.

959
00:47:10,680 --> 00:47:12,320
Speaker 2: You have the comfort of knowing that you're going to

960
00:47:12,400 --> 00:47:15,560
Speaker 2: lock it in and they can't change it around on you.

961
00:47:17,120 --> 00:47:20,200
Speaker 1: Yeah, and that's I was gonna say, Like variable It

962
00:47:20,280 --> 00:47:22,800
Speaker 1: sounds great at first because you're like, ooh, so low,

963
00:47:23,400 --> 00:47:26,440
Speaker 1: but then you know if it's like usually typically a

964
00:47:26,520 --> 00:47:28,919
Speaker 1: variable will be like variable for a year, five years

965
00:47:29,000 --> 00:47:31,480
Speaker 1: or whatever, and then it could be whatever, and that's

966
00:47:31,480 --> 00:47:34,640
Speaker 1: the scary part. I prefer fixed. I remember my first

967
00:47:34,640 --> 00:47:38,440
Speaker 1: mortgage was it was one of those. It was like

968
00:47:38,480 --> 00:47:41,080
Speaker 1: it started off as fixed and then it could be

969
00:47:41,160 --> 00:47:44,959
Speaker 1: variable like five years later, and you know, I lost

970
00:47:44,960 --> 00:47:47,000
Speaker 1: the house before it got to that. But I was like, yeah,

971
00:47:47,040 --> 00:47:48,840
Speaker 1: we're never going to do that again because it was

972
00:47:48,840 --> 00:47:50,319
Speaker 1: a little bit scary because I didn't even know if

973
00:47:50,360 --> 00:47:51,640
Speaker 1: I was going to be able to afford it later.

974
00:47:52,080 --> 00:47:55,879
Speaker 1: And so I typically leaned toward fixed unless it's something

975
00:47:55,960 --> 00:47:57,960
Speaker 1: that I know I'm going to be out of before

976
00:47:58,160 --> 00:48:00,919
Speaker 1: that that rate change is going to go to a back. Yeah.

977
00:48:00,960 --> 00:48:02,719
Speaker 2: I was just going to say that if you if

978
00:48:02,719 --> 00:48:04,640
Speaker 2: you look at the variable rate terms and you're like,

979
00:48:04,680 --> 00:48:06,680
Speaker 2: I can pay that down in three years, then yeah,

980
00:48:06,800 --> 00:48:08,719
Speaker 2: do it, because you know they tell you that it's

981
00:48:08,760 --> 00:48:10,360
Speaker 2: going to be a certain rate for three years and

982
00:48:10,440 --> 00:48:12,719
Speaker 2: it'll get jacked up after that. Then if you're sure

983
00:48:12,760 --> 00:48:14,759
Speaker 2: you can do it in three years, definitely, But if

984
00:48:14,880 --> 00:48:17,440
Speaker 2: especially for you know, you have thirty seven thousand dollars

985
00:48:17,440 --> 00:48:19,719
Speaker 2: in debt, I don't know if you'll be able to

986
00:48:19,719 --> 00:48:22,560
Speaker 2: do that and you know before those variable rates start

987
00:48:22,600 --> 00:48:25,799
Speaker 2: to change, So it might be smarter to go with

988
00:48:26,600 --> 00:48:28,960
Speaker 2: the fix just to lock it in. And I think

989
00:48:28,960 --> 00:48:31,840
Speaker 2: it's usually with so FI because I'm most familiar with

990
00:48:31,880 --> 00:48:34,960
Speaker 2: so FI and their their REFI their student loan refis.

991
00:48:35,040 --> 00:48:38,520
Speaker 2: I think that the difference between the fix and the variables,

992
00:48:38,520 --> 00:48:45,640
Speaker 2: like a percentage or two, not super terribly different. Yeah,

993
00:48:46,000 --> 00:48:47,040
Speaker 2: hopefully that was helpful.

994
00:48:47,080 --> 00:48:49,000
Speaker 1: I hope yes, I was gonna say it.

995
00:48:48,960 --> 00:48:51,239
Speaker 2: Wasn't super I hope it wasn't really confusing. But it

996
00:48:51,320 --> 00:48:54,480
Speaker 2: was an excellent question. And if you guys have any

997
00:48:54,520 --> 00:48:58,040
Speaker 2: more questions public student loan forgiveness that that New York

998
00:48:58,040 --> 00:49:00,920
Speaker 2: Times article had me shocked because out I thinking, for

999
00:49:00,960 --> 00:49:03,279
Speaker 2: the past how many years have I been writing like

1000
00:49:03,400 --> 00:49:06,359
Speaker 2: six my entire career as a personal finance reporter and editor,

1001
00:49:06,360 --> 00:49:09,359
Speaker 2: I've been talking about this public student loan forgiveness program.

1002
00:49:09,560 --> 00:49:12,000
Speaker 2: And there's this now there's this huge question mark over it.

1003
00:49:13,080 --> 00:49:15,880
Speaker 2: And I'm interested if any of our listeners have had issues,

1004
00:49:15,960 --> 00:49:17,920
Speaker 2: If you're part of the class of two thousand and

1005
00:49:17,960 --> 00:49:20,880
Speaker 2: seven and you're coming forward to try and get your

1006
00:49:20,960 --> 00:49:24,160
Speaker 2: loans forgiven. If you're having issues, definitely send us an email.

1007
00:49:24,280 --> 00:49:27,400
Speaker 2: It's Brown Vision Podcast at gmail dot.

1008
00:49:27,160 --> 00:49:29,880
Speaker 1: Com dot com.

1009
00:49:30,200 --> 00:49:31,200
Speaker 2: You are on it tonight.

1010
00:49:31,600 --> 00:49:32,239
Speaker 1: I I am.

1011
00:49:32,680 --> 00:49:33,280
Speaker 2: She's back.

1012
00:49:43,040 --> 00:49:44,560
Speaker 1: Do you want to take another question or do you

1013
00:49:44,600 --> 00:49:45,920
Speaker 1: want to wrap it up with wins?

1014
00:49:46,160 --> 00:49:47,520
Speaker 2: Let's wrap it up with some wins.

1015
00:49:47,880 --> 00:49:51,560
Speaker 1: All right, I gotta win. I gotta win. Let's hear so,

1016
00:49:51,840 --> 00:49:53,640
Speaker 1: I've got to win. We talked about this a little

1017
00:49:53,640 --> 00:49:56,319
Speaker 1: bit earlier, but I want to give a shout out

1018
00:49:56,320 --> 00:49:58,239
Speaker 1: and I'll win to let me get their names right.

1019
00:49:58,320 --> 00:50:02,319
Speaker 1: Let's see if my Nigerian ancestry will allow me to

1020
00:50:02,440 --> 00:50:04,839
Speaker 1: keep my Nigerian car by getting their names right. So

1021
00:50:05,160 --> 00:50:10,640
Speaker 1: two Nigerian sisters created sunscreen for black skin. Let that

1022
00:50:10,760 --> 00:50:14,799
Speaker 1: sink in no pun intended. I'll be here all night.

1023
00:50:15,239 --> 00:50:18,239
Speaker 2: So so.

1024
00:50:19,640 --> 00:50:22,080
Speaker 1: Nigerian girls, Oh, look, they look like I think they're Ebo,

1025
00:50:22,200 --> 00:50:25,880
Speaker 1: which is what I am. Chi Nello Chi Dosi and

1026
00:50:26,080 --> 00:50:31,280
Speaker 1: ndd Obidoa. Hey, Yes, Okay, So these two Nigerian sisters,

1027
00:50:32,000 --> 00:50:35,840
Speaker 1: they wanted to create one. What I love is that

1028
00:50:35,880 --> 00:50:38,560
Speaker 1: they wanted to. We spoke about Avida and her her

1029
00:50:38,600 --> 00:50:44,440
Speaker 1: lipstick last podcast, and I just love when folks create

1030
00:50:44,520 --> 00:50:48,320
Speaker 1: things that know not only create a profit for themselves,

1031
00:50:48,320 --> 00:50:51,120
Speaker 1: but there's a purpose behind it. So one they wanted

1032
00:50:51,120 --> 00:50:53,280
Speaker 1: to They wanted to create, you know, this awesome product

1033
00:50:53,320 --> 00:50:56,040
Speaker 1: for women of color, for brown girls like us, but

1034
00:50:56,160 --> 00:51:00,600
Speaker 1: also they wanted to support communities that produce shae nuts,

1035
00:51:01,160 --> 00:51:02,960
Speaker 1: which is what they use in their products, and in

1036
00:51:03,640 --> 00:51:08,320
Speaker 1: Burkina Fossil, which is a very very very poor country

1037
00:51:08,400 --> 00:51:13,680
Speaker 1: in West Africa. And so here's how it goes. Let's see.

1038
00:51:13,719 --> 00:51:16,480
Speaker 2: So yeah, for the listeners who don't know, why would

1039
00:51:16,560 --> 00:51:20,080
Speaker 2: people why would African American women need their not just women,

1040
00:51:20,080 --> 00:51:22,840
Speaker 2: but like why do black people need their own sunscreen? Like?

1041
00:51:22,880 --> 00:51:25,919
Speaker 2: What is it about regular sunscreen that may not work?

1042
00:51:26,640 --> 00:51:30,120
Speaker 1: So they said that they were getting complaints from customers

1043
00:51:30,160 --> 00:51:34,600
Speaker 1: about hyper pigmentation, which is the discoloration of darker skin

1044
00:51:34,719 --> 00:51:37,520
Speaker 1: due to sun exposure. So I get this, I mean

1045
00:51:37,719 --> 00:51:39,960
Speaker 1: a lot of us get it. Sometimes you'll get hyperpigmentation

1046
00:51:40,200 --> 00:51:44,439
Speaker 1: because of acne basically where our scars are darker. Right,

1047
00:51:44,680 --> 00:51:47,279
Speaker 1: So if I get a pimple and I don't treat

1048
00:51:47,320 --> 00:51:49,040
Speaker 1: it right, I can get this like dark spot that

1049
00:51:49,080 --> 00:51:52,359
Speaker 1: will last forever, it seems like so. But also too,

1050
00:51:52,400 --> 00:51:54,719
Speaker 1: I used to play tennis and I was always out

1051
00:51:54,719 --> 00:51:56,160
Speaker 1: in the sun, and I found that I was also

1052
00:51:56,239 --> 00:51:59,680
Speaker 1: getting dark patches, so hyper pigmentation due to sun exposure.

1053
00:51:59,719 --> 00:52:03,360
Speaker 1: So they said, well, you know, what can we do

1054
00:52:03,440 --> 00:52:05,080
Speaker 1: about it? And there's a quote here a lot of

1055
00:52:05,080 --> 00:52:07,600
Speaker 1: black people don't wear sunblock because they don't see the

1056
00:52:07,680 --> 00:52:11,280
Speaker 1: damage immediately. There was an issue with education around sunscreen

1057
00:52:11,320 --> 00:52:15,520
Speaker 1: and black community. So true. And even though skin cancer

1058
00:52:15,520 --> 00:52:18,960
Speaker 1: doesn't affect people of color as much as it affects

1059
00:52:19,040 --> 00:52:22,319
Speaker 1: other people, it makes it even more dangerous because it's

1060
00:52:22,360 --> 00:52:25,360
Speaker 1: often not caught until then it's vanced stage, which I

1061
00:52:25,480 --> 00:52:29,400
Speaker 1: you know, which is totally true. Also too, she found

1062
00:52:29,400 --> 00:52:32,319
Speaker 1: that when you know, you put on some black we've

1063
00:52:32,320 --> 00:52:35,560
Speaker 1: all had this, if you've got brown skin, that it

1064
00:52:35,600 --> 00:52:37,440
Speaker 1: was just like you know, at leads, like that white

1065
00:52:38,480 --> 00:52:41,120
Speaker 1: mask you know, like on your skin, So it looks

1066
00:52:41,160 --> 00:52:43,879
Speaker 1: kind of weird. So the sunblock that they developed, it's

1067
00:52:43,920 --> 00:52:47,400
Speaker 1: more like a moisturizer than a sunscreen. It's cream colored

1068
00:52:47,440 --> 00:52:49,560
Speaker 1: it's like a serum and it dries clear on your

1069
00:52:49,560 --> 00:52:53,720
Speaker 1: skin instead of that white like film that most sunscreens leave. Honestly,

1070
00:52:54,120 --> 00:52:55,680
Speaker 1: it's a lot of reasons why it was hard for

1071
00:52:55,680 --> 00:52:58,280
Speaker 1: me to find a sunscreen because I'm like, because sunscreen

1072
00:52:58,360 --> 00:53:01,000
Speaker 1: lads so thick on my skin and it left me

1073
00:53:01,120 --> 00:53:05,680
Speaker 1: look looking like a ashy. Yeah, it was really weird.

1074
00:53:06,160 --> 00:53:08,359
Speaker 1: And so I'm just really excited about it because one

1075
00:53:08,560 --> 00:53:10,719
Speaker 1: the packaging looks amazing.

1076
00:53:10,840 --> 00:53:11,719
Speaker 2: Wait what's it called?

1077
00:53:12,120 --> 00:53:16,239
Speaker 1: Yeah, Bolden b O L D E N Bolden. It's

1078
00:53:16,280 --> 00:53:19,839
Speaker 1: made with one hundred percent actual shade oil and vitamin E.

1079
00:53:20,600 --> 00:53:24,040
Speaker 1: It looks like they've got a butter mint, oh, a

1080
00:53:24,040 --> 00:53:28,719
Speaker 1: sweet vanilla and unscented it just honestly, it's looking a

1081
00:53:28,719 --> 00:53:31,759
Speaker 1: little awesome. So I definitely want to try this product.

1082
00:53:32,440 --> 00:53:37,120
Speaker 1: And so yeah, so Bolden by Chinello Chi Doosi and

1083
00:53:37,200 --> 00:53:41,040
Speaker 1: indidi Obidoa. And I'm just really excited because I would

1084
00:53:41,080 --> 00:53:44,239
Speaker 1: have never thought, like, how genius is that? Hey, sunscreen

1085
00:53:44,760 --> 00:53:48,360
Speaker 1: for women of color? Oh like, because you know, you

1086
00:53:48,360 --> 00:53:51,880
Speaker 1: don't think of sunscreen and us together, but you should.

1087
00:53:52,080 --> 00:53:54,040
Speaker 1: And you know, as I've gotten older, like one of

1088
00:53:54,040 --> 00:53:58,160
Speaker 1: my one of my friends, her name is Felicia. She's

1089
00:53:58,200 --> 00:54:02,720
Speaker 1: got a brand called This That Beauty, and she really

1090
00:54:02,800 --> 00:54:05,640
Speaker 1: talks about why women of color really need to be

1091
00:54:05,719 --> 00:54:07,879
Speaker 1: using sunscreen, because you know, we think that we don't,

1092
00:54:07,920 --> 00:54:11,239
Speaker 1: but that's just do we have a natural melanin is

1093
00:54:11,280 --> 00:54:15,080
Speaker 1: a natural defense against the sun's damaged certainly, but it

1094
00:54:15,120 --> 00:54:17,560
Speaker 1: is not the cure all for all things sun, you know,

1095
00:54:18,040 --> 00:54:20,440
Speaker 1: and so like just to see like these women like

1096
00:54:20,480 --> 00:54:23,240
Speaker 1: this is really innovative and the fact that this sunscreen

1097
00:54:23,280 --> 00:54:26,359
Speaker 1: not only just addresses you know, sun, protecting you from

1098
00:54:26,760 --> 00:54:30,480
Speaker 1: some of the sun's damaging rays, but also addressing hyperpigmentation

1099
00:54:31,160 --> 00:54:33,520
Speaker 1: and just moisturizing you so you don't look ashy in

1100
00:54:33,560 --> 00:54:37,520
Speaker 1: these streets, in these beaches. So go get you some Bolden.

1101
00:54:37,960 --> 00:54:39,400
Speaker 1: I think this is awesome.

1102
00:54:40,239 --> 00:54:44,000
Speaker 2: Awesome Bolden mm hm Bolden? Is it BOLDENUSA dot com?

1103
00:54:44,040 --> 00:54:44,600
Speaker 2: Is that their sight?

1104
00:54:45,960 --> 00:54:47,640
Speaker 1: Mom? I'm like, is it out yet?

1105
00:54:47,760 --> 00:54:49,960
Speaker 2: I feel like I don't see it on their website,

1106
00:54:49,960 --> 00:54:55,000
Speaker 2: but this looks like them too, Nigerian women Bolden Boldusa

1107
00:54:55,080 --> 00:54:55,720
Speaker 2: dot com.

1108
00:54:55,880 --> 00:54:58,000
Speaker 1: Okay, yes it is yep, BOLDINGUSA dot Com.

1109
00:54:58,040 --> 00:55:00,080
Speaker 2: Yep. Cool. That's a good one.

1110
00:55:00,360 --> 00:55:02,040
Speaker 1: Yeah, it was a good one. No win win for

1111
00:55:02,120 --> 00:55:03,560
Speaker 1: the Nigerian street.

1112
00:55:05,880 --> 00:55:07,759
Speaker 2: So I'm gonna do my win this week. I'm gonna

1113
00:55:07,760 --> 00:55:10,440
Speaker 2: give good Win. I think he was my win the

1114
00:55:10,520 --> 00:55:14,279
Speaker 2: first like few episodes of the podcast, because that was

1115
00:55:14,320 --> 00:55:18,680
Speaker 2: what Master of None hit the Netflix airwaves in twenty fifteen,

1116
00:55:18,760 --> 00:55:21,640
Speaker 2: and they are back with their new season. It just

1117
00:55:21,719 --> 00:55:23,919
Speaker 2: got released on the weekend, and you know, I watched

1118
00:55:23,960 --> 00:55:27,640
Speaker 2: the entire thing on that rainy Saturday at home. But

1119
00:55:27,920 --> 00:55:29,840
Speaker 2: this is a Zezonzori show, if you guys don't know,

1120
00:55:29,960 --> 00:55:32,719
Speaker 2: called Master of None, and it's on Netflix, and it

1121
00:55:32,800 --> 00:55:37,360
Speaker 2: is just I can't I can't exp mean. I feel like,

1122
00:55:37,400 --> 00:55:40,200
Speaker 2: if you are a person of color and you live

1123
00:55:40,239 --> 00:55:43,200
Speaker 2: in New York or anywhere, really like you watch this show.

1124
00:55:43,320 --> 00:55:47,120
Speaker 2: It is so different and it is so good, and

1125
00:55:47,160 --> 00:55:50,480
Speaker 2: it's so clearly written by writers who know what it

1126
00:55:50,600 --> 00:55:55,120
Speaker 2: is like to be you know, knows what the experience

1127
00:55:55,239 --> 00:55:57,799
Speaker 2: is like to be a person of color. And not

1128
00:55:57,840 --> 00:55:59,360
Speaker 2: only that they know what it's like to be a

1129
00:55:59,360 --> 00:56:02,760
Speaker 2: person of color, but that they actual high they actually

1130
00:56:02,840 --> 00:56:07,040
Speaker 2: hire writers who are like the characters that they're writing.

1131
00:56:07,520 --> 00:56:11,359
Speaker 2: They hire such a diverse cast and the storytelling is

1132
00:56:11,440 --> 00:56:14,920
Speaker 2: so good. You know, I don't know if if you

1133
00:56:15,040 --> 00:56:18,160
Speaker 2: haven't watched the new season yet, have you Master of None.

1134
00:56:18,800 --> 00:56:22,080
Speaker 2: So Aziz Ansari plays like this. He plays like a

1135
00:56:22,120 --> 00:56:24,880
Speaker 2: struggling actor in New York. Not he's like a funny

1136
00:56:25,040 --> 00:56:27,560
Speaker 2: struggling actor. He was like famous for doing a gogurt

1137
00:56:27,560 --> 00:56:31,520
Speaker 2: commercial and and anyway, but he's kind of like floundering

1138
00:56:31,640 --> 00:56:33,319
Speaker 2: dating in New York. It's not working out for him.

1139
00:56:33,320 --> 00:56:35,560
Speaker 2: And he has this like really interesting cast of friends,

1140
00:56:35,960 --> 00:56:38,239
Speaker 2: not cast, but like the types of friends that like

1141
00:56:38,840 --> 00:56:41,520
Speaker 2: you like have in real life. Like he has one

1142
00:56:41,560 --> 00:56:44,040
Speaker 2: of his best friends since childhood is this like super

1143
00:56:44,080 --> 00:56:49,920
Speaker 2: tall lesbian woman, and then he has his Indian American friends,

1144
00:56:50,480 --> 00:56:52,799
Speaker 2: and his family comes on the show a lot, and

1145
00:56:52,840 --> 00:56:56,279
Speaker 2: so he talks about like the immigrant experience. And then

1146
00:56:56,360 --> 00:56:59,640
Speaker 2: he does an entire episode around what it was like

1147
00:56:59,680 --> 00:57:03,279
Speaker 2: for his is black female lesbian best friend to come

1148
00:57:03,280 --> 00:57:05,759
Speaker 2: out to her mother. There was just, I mean a

1149
00:57:05,800 --> 00:57:09,239
Speaker 2: whole half hour episode dedicated to and it was a

1150
00:57:09,280 --> 00:57:12,719
Speaker 2: beautiful episode, like with where Angela Bassett played her mother.

1151
00:57:12,800 --> 00:57:15,759
Speaker 2: Oh and they got the mom from sister sister to

1152
00:57:15,880 --> 00:57:21,120
Speaker 2: play an I forgot her name so when I saw her,

1153
00:57:21,120 --> 00:57:21,560
Speaker 2: I screamed.

1154
00:57:21,600 --> 00:57:22,360
Speaker 1: I was like, oh my god.

1155
00:57:23,240 --> 00:57:25,680
Speaker 2: Anyways, but he did a whole episode about his friend

1156
00:57:25,760 --> 00:57:28,520
Speaker 2: Denise and how she came out to her mother, you know,

1157
00:57:28,880 --> 00:57:31,320
Speaker 2: during Thanksgiving, and then it tells like the evolution of

1158
00:57:31,360 --> 00:57:34,200
Speaker 2: their relationship and it's just it's not like any other

1159
00:57:34,240 --> 00:57:37,160
Speaker 2: show out there, and it's just so nice. It's just

1160
00:57:37,160 --> 00:57:39,120
Speaker 2: I don't know, it's just refreshing and it's smart and

1161
00:57:39,160 --> 00:57:41,959
Speaker 2: it's funny as hell. And shout out to his ease

1162
00:57:42,640 --> 00:57:46,480
Speaker 2: and his staff of writers. And this season he even

1163
00:57:46,520 --> 00:57:51,320
Speaker 2: has an episode where he features uh a deaf couple

1164
00:57:51,720 --> 00:57:54,160
Speaker 2: or no, the woman is deaf and the guy they speak.

1165
00:57:54,200 --> 00:57:56,720
Speaker 2: The whole episode is like whenever they're in the scene together,

1166
00:57:56,760 --> 00:58:00,280
Speaker 2: it's completely silent and they're just doing asl and and

1167
00:58:00,520 --> 00:58:02,959
Speaker 2: there's captions and I've never seen anything like that on TV.

1168
00:58:04,280 --> 00:58:06,240
Speaker 2: And I learned a lot just from watching that. And

1169
00:58:06,240 --> 00:58:08,840
Speaker 2: and you know, they're having an argument about their sex life,

1170
00:58:08,840 --> 00:58:12,520
Speaker 2: and it's like he's he's he's portraying people and he's

1171
00:58:12,560 --> 00:58:16,360
Speaker 2: like really honest and you know, human ways, And it

1172
00:58:16,400 --> 00:58:18,560
Speaker 2: feels like I shouldn't have to be that grateful for

1173
00:58:18,600 --> 00:58:22,000
Speaker 2: it in twenty six seventeen, but it is so different

1174
00:58:22,040 --> 00:58:24,560
Speaker 2: and so fresh, and I just I need all y'all

1175
00:58:24,600 --> 00:58:25,200
Speaker 2: to go watch it.

1176
00:58:25,840 --> 00:58:29,560
Speaker 1: I just love that, like that's what happens when people

1177
00:58:30,360 --> 00:58:35,040
Speaker 1: who look like you write stories about people who look

1178
00:58:35,160 --> 00:58:35,360
Speaker 1: like you.

1179
00:58:35,560 --> 00:58:37,680
Speaker 2: I mean, I don't think it sounds so simple, and

1180
00:58:37,760 --> 00:58:39,960
Speaker 2: yet it is so like ah.

1181
00:58:39,680 --> 00:58:42,520
Speaker 1: Yes, yeah right, Like I remember when Damon Wade, Matt

1182
00:58:42,600 --> 00:58:45,080
Speaker 1: Damon Wade, look at me, child, you know, I'm tired

1183
00:58:45,400 --> 00:58:48,320
Speaker 1: when Damon oh he plays Jason Bourne.

1184
00:58:48,360 --> 00:58:51,240
Speaker 2: What's the name, Matt Damon Yeah.

1185
00:58:51,160 --> 00:58:53,520
Speaker 1: Day yo, I'm an old lady for real. So Matt Damen,

1186
00:58:54,800 --> 00:59:00,240
Speaker 1: Damon Wade. So I remember when Matt Damon close. Yeah,

1187
00:59:00,240 --> 00:59:02,240
Speaker 1: people were complained because he was like doing some movie

1188
00:59:02,240 --> 00:59:03,640
Speaker 1: about like I don't know, people of color.

1189
00:59:03,760 --> 00:59:06,440
Speaker 2: Well, he was in a yeah, he played a he

1190
00:59:06,520 --> 00:59:08,520
Speaker 2: was like the white savior in a movie about the

1191
00:59:08,520 --> 00:59:10,000
Speaker 2: cour Wall of China or something.

1192
00:59:10,080 --> 00:59:13,440
Speaker 1: Yeah, and he was basically like no, like representation just

1193
00:59:13,520 --> 00:59:15,480
Speaker 1: basically means they're in the movie. They don't have to

1194
00:59:15,560 --> 00:59:17,480
Speaker 1: be writing the script too. I'm like, are you eving

1195
00:59:17,520 --> 00:59:17,880
Speaker 1: kidding me?

1196
00:59:17,960 --> 00:59:20,800
Speaker 2: The I remember, yeah, you know what we're talking about.

1197
00:59:20,800 --> 00:59:23,920
Speaker 2: This was when he and Ben Affleck had that show

1198
00:59:24,480 --> 00:59:26,720
Speaker 2: and they was like, I forget what the show was,

1199
00:59:26,760 --> 00:59:28,919
Speaker 2: but there was like an African there's like a black

1200
00:59:28,960 --> 00:59:33,000
Speaker 2: woman director who was calling them out for not casting

1201
00:59:33,800 --> 00:59:37,520
Speaker 2: like yeah, brown people I write, yeah to write or

1202
00:59:37,560 --> 00:59:39,520
Speaker 2: like be in a show, And he was saying that

1203
00:59:39,560 --> 00:59:42,320
Speaker 2: didn't matter who the writers were. Basically, are you kidding?

1204
00:59:42,360 --> 00:59:44,440
Speaker 2: But if you just have them on the screen, it's fine.

1205
00:59:44,640 --> 00:59:46,880
Speaker 1: That to me, it's like that is so I mean,

1206
00:59:47,520 --> 00:59:49,200
Speaker 1: it's sometimes I want to be like, do you don't

1207
00:59:49,200 --> 00:59:51,400
Speaker 1: feel the white privilege branded on your chest? Like that

1208
00:59:51,520 --> 00:59:55,040
Speaker 1: is so ridiculous. That's like me saying I'm going to

1209
00:59:55,040 --> 00:59:57,080
Speaker 1: write a story about what it was like growing up

1210
00:59:57,120 --> 01:00:00,120
Speaker 1: in your household and I don't even know you. That

1211
01:00:00,120 --> 01:00:02,320
Speaker 1: would be ridiculous. But that's literally what you're saying. I'm

1212
01:00:02,360 --> 01:00:04,480
Speaker 1: just like, how do people not hear themselves? How do

1213
01:00:04,520 --> 01:00:06,800
Speaker 1: you not hear? I guess it's very difficult when you

1214
01:00:06,840 --> 01:00:09,720
Speaker 1: live in the privilege to kind of see the privilege.

1215
01:00:09,920 --> 01:00:12,440
Speaker 1: But like, there was this great post today that was

1216
01:00:12,440 --> 01:00:15,840
Speaker 1: floating around Facebook. It was this young white girl from

1217
01:00:15,880 --> 01:00:18,000
Speaker 1: she was in college and she was like I posted

1218
01:00:18,000 --> 01:00:19,520
Speaker 1: this picture and then she was like this is white

1219
01:00:19,560 --> 01:00:22,040
Speaker 1: privilege and accent. She was like I walked around campus

1220
01:00:22,320 --> 01:00:25,200
Speaker 1: with the sword and everybody thought, how cute this white

1221
01:00:25,200 --> 01:00:26,960
Speaker 1: girl with the sword, Like on campus, you know, she

1222
01:00:27,000 --> 01:00:28,200
Speaker 1: was like, I was playing with it, and I was like,

1223
01:00:28,280 --> 01:00:31,440
Speaker 1: I'm the whatever whatever reason. She had a sword, like

1224
01:00:31,560 --> 01:00:35,040
Speaker 1: a sword, a real sharp, live sword everything. It was

1225
01:00:35,080 --> 01:00:39,480
Speaker 1: cute taking pictures for the GRAM. Meanwhile, I think like

1226
01:00:39,520 --> 01:00:42,520
Speaker 1: a gentleman was on camp, a young black man was

1227
01:00:42,560 --> 01:00:44,880
Speaker 1: on campus and had a glue gun shut the whole

1228
01:00:44,880 --> 01:00:48,160
Speaker 1: campus down, Oh my god. And I was just like,

1229
01:00:48,200 --> 01:00:51,000
Speaker 1: she's like, so, how that is white privilege that I

1230
01:00:51,000 --> 01:00:54,040
Speaker 1: can walk around with a literal sword and a glue

1231
01:00:54,080 --> 01:00:56,479
Speaker 1: gun shuts the campus down because it's in a black hand.

1232
01:00:56,880 --> 01:00:58,920
Speaker 1: And I'm just like, I just don't understand. I'm like,

1233
01:00:59,520 --> 01:01:02,640
Speaker 1: I get it's hard because there's certain privileges that I

1234
01:01:03,320 --> 01:01:05,600
Speaker 1: enjoyed that sometimes it's hard for me to see because

1235
01:01:05,600 --> 01:01:07,920
Speaker 1: I enjoy them, but like when they're so blatant and

1236
01:01:07,960 --> 01:01:10,280
Speaker 1: obviously in your face, I'm like, are you are you

1237
01:01:10,400 --> 01:01:13,520
Speaker 1: perpetually up to or are you just like I enjoy

1238
01:01:13,560 --> 01:01:14,640
Speaker 1: it too much, I don't want to let it go,

1239
01:01:15,080 --> 01:01:18,120
Speaker 1: you know, like you just I just don't see how

1240
01:01:18,560 --> 01:01:22,160
Speaker 1: you can think that you writing about a story or

1241
01:01:22,200 --> 01:01:25,640
Speaker 1: a or an experience that you have not experienced, how

1242
01:01:25,680 --> 01:01:27,520
Speaker 1: that does not seem weird to you? Like, yeah, I

1243
01:01:27,520 --> 01:01:28,920
Speaker 1: don't know, I'm not being this black woman, but I'm

1244
01:01:28,920 --> 01:01:31,000
Speaker 1: gonna totally write her story because I mean, we're all human,

1245
01:01:31,760 --> 01:01:34,040
Speaker 1: are you crazy? So just yeah, see this is where

1246
01:01:34,040 --> 01:01:35,840
Speaker 1: I try not to like cause I'm just like lately,

1247
01:01:35,880 --> 01:01:37,840
Speaker 1: I've just been like, yo, honestly, I'm like, has the

1248
01:01:37,880 --> 01:01:38,880
Speaker 1: world always been like this?

1249
01:01:39,640 --> 01:01:42,520
Speaker 2: Or but you know, we need and I think just

1250
01:01:42,560 --> 01:01:46,040
Speaker 2: shows like Master of None. We also had Insecure this year. Yeah,

1251
01:01:46,080 --> 01:01:49,080
Speaker 2: they're changing the game, and I feel like the fact

1252
01:01:49,120 --> 01:01:53,040
Speaker 2: that they're actually hiring diverse writing staff, Like I really

1253
01:01:53,040 --> 01:01:56,080
Speaker 2: read the show credits on Azisa's show, and either he

1254
01:01:56,160 --> 01:01:58,360
Speaker 2: writes the show on the episode I talked about where

1255
01:01:58,360 --> 01:02:01,880
Speaker 2: it was a story of his black lesbian best friend

1256
01:02:02,040 --> 01:02:05,720
Speaker 2: coming out to her family. Like that actress who is

1257
01:02:05,800 --> 01:02:09,160
Speaker 2: a black lesbian in real life, was a co writer

1258
01:02:09,680 --> 01:02:12,080
Speaker 2: on that episode. So it's like he's giving someone a

1259
01:02:12,120 --> 01:02:14,040
Speaker 2: pen and saying, here, I don't know what it was like,

1260
01:02:14,120 --> 01:02:17,000
Speaker 2: you tell me that simple act in none of itself

1261
01:02:17,120 --> 01:02:20,200
Speaker 2: is like sadly revolutionary and we need more of it.

1262
01:02:20,720 --> 01:02:23,360
Speaker 2: I was just talking to my best friend as Vietnamese

1263
01:02:23,480 --> 01:02:27,080
Speaker 2: Chinese mix, and she was going on about she went

1264
01:02:27,160 --> 01:02:31,120
Speaker 2: to see or there's this musical on Broadway called Miss Sagon, Right, now,

1265
01:02:31,440 --> 01:02:36,640
Speaker 2: which is about a Vietnamese prostitute who falls in love

1266
01:02:36,680 --> 01:02:40,360
Speaker 2: with a white soldier American soldier during the Vietnam War,

1267
01:02:40,480 --> 01:02:43,200
Speaker 2: and like, this is my best friend. She was a refugee.

1268
01:02:43,200 --> 01:02:45,240
Speaker 2: She moved here when she was four, her parents brought

1269
01:02:45,240 --> 01:02:47,480
Speaker 2: her here. Like she's like, that's not my experience, that's

1270
01:02:47,520 --> 01:02:49,760
Speaker 2: not the kind of you know in the actress playing

1271
01:02:49,800 --> 01:02:53,840
Speaker 2: this a Vietnamese prostitutes Filipino, you know, and the two

1272
01:02:53,920 --> 01:02:57,200
Speaker 2: writers of the play are two white guys, you know.

1273
01:02:57,400 --> 01:03:01,040
Speaker 2: And she's just you know, outraged, and she's like and

1274
01:03:01,080 --> 01:03:02,600
Speaker 2: we were just like we need to just write, you know,

1275
01:03:02,640 --> 01:03:05,880
Speaker 2: you need. The only way to to change it is

1276
01:03:06,040 --> 01:03:07,880
Speaker 2: they're not going to change. Like people are still going

1277
01:03:07,960 --> 01:03:09,800
Speaker 2: to buy tickets, you know, they're not going to change.

1278
01:03:10,120 --> 01:03:13,400
Speaker 2: We need to be out there telling our own stories, writing,

1279
01:03:13,560 --> 01:03:17,800
Speaker 2: hiring people that you know, have personal experience, and making

1280
01:03:17,840 --> 01:03:18,959
Speaker 2: sure that it's done right.

1281
01:03:19,840 --> 01:03:22,000
Speaker 1: That's why we have brod Ambition. Honestly, that's why we

1282
01:03:22,040 --> 01:03:24,240
Speaker 1: started this. Remember, Manny, when we started, people were like

1283
01:03:24,680 --> 01:03:30,919
Speaker 1: black brown podcast what those words don't go together for real?

1284
01:03:31,040 --> 01:03:33,280
Speaker 1: Because there was like no every time like we met

1285
01:03:33,280 --> 01:03:36,680
Speaker 1: people who were in podcasting, they were like, ooh wow,

1286
01:03:36,760 --> 01:03:38,120
Speaker 1: you guys are like pioneers.

1287
01:03:38,480 --> 01:03:41,680
Speaker 2: Aren't you worried about what was someone asked me, aren't

1288
01:03:41,680 --> 01:03:46,080
Speaker 2: you worried about what's the word, not marginalizing people, but

1289
01:03:46,160 --> 01:03:50,200
Speaker 2: like alienating people? Like aren't you worried about aliening your audience?

1290
01:03:50,240 --> 01:03:51,760
Speaker 2: So you're not going to get you know, a lot

1291
01:03:51,760 --> 01:03:53,360
Speaker 2: of people won't listen because if they feel like it

1292
01:03:53,360 --> 01:03:55,800
Speaker 2: won't it's not for them.

1293
01:03:56,160 --> 01:03:59,080
Speaker 1: No, I'm not worried exactly. Oh, you mean, like everything

1294
01:03:59,120 --> 01:04:01,480
Speaker 1: else in this world, like chow you know, if white

1295
01:04:01,520 --> 01:04:03,800
Speaker 1: like hello, every time I look up, nothing is for me,

1296
01:04:04,400 --> 01:04:06,680
Speaker 1: like you know, like that's just the way it goes,

1297
01:04:06,720 --> 01:04:12,880
Speaker 1: Like nude nude pantyholes, what what nude skin colored bandages? Like?

1298
01:04:13,400 --> 01:04:15,479
Speaker 1: I mean, are we not alienated at twenty four hours

1299
01:04:15,480 --> 01:04:16,960
Speaker 1: a day? But that's just life, right.

1300
01:04:17,600 --> 01:04:19,880
Speaker 2: But I will say, so many people listen to our show,

1301
01:04:19,880 --> 01:04:22,000
Speaker 2: and I don't think we are alienating people. I think,

1302
01:04:22,480 --> 01:04:25,720
Speaker 2: you know, I find out that people like just the

1303
01:04:25,800 --> 01:04:28,000
Speaker 2: other day, one of my good girlfriends, Liz in Missouri,

1304
01:04:28,960 --> 01:04:32,360
Speaker 2: Bless her heart, Marissa, Marissa, if you're listening, hey, that's

1305
01:04:32,400 --> 01:04:35,200
Speaker 2: call you out for being a super white girl. Listen,

1306
01:04:35,640 --> 01:04:39,560
Speaker 2: listens to the show Prouvi and Friends Minican friends, friends

1307
01:04:39,560 --> 01:04:41,360
Speaker 2: all over the place listen to the show, and I

1308
01:04:41,400 --> 01:04:43,360
Speaker 2: feel like, at the end of the day, what we're

1309
01:04:43,400 --> 01:04:47,480
Speaker 2: talking about isn't so different. But we're women and we

1310
01:04:47,720 --> 01:04:49,560
Speaker 2: and and I think the way that we talk about

1311
01:04:49,560 --> 01:04:53,200
Speaker 2: things is what attracts people to the show. And I

1312
01:04:53,240 --> 01:04:56,760
Speaker 2: think if you let the word brown get out of

1313
01:04:56,760 --> 01:04:59,400
Speaker 2: the way, then maybe you're not the person we want

1314
01:04:59,440 --> 01:05:03,040
Speaker 2: to be reaching it anyway. So yeah, I don't know

1315
01:05:03,080 --> 01:05:05,440
Speaker 2: if I said that very eloquently or not, but I.

1316
01:05:05,400 --> 01:05:07,120
Speaker 1: Know what you mean. It's like the same thing like people.

1317
01:05:07,640 --> 01:05:10,560
Speaker 1: Someone asked me the other day about the Budgetista. They're like, so, like,

1318
01:05:10,640 --> 01:05:12,520
Speaker 1: do you think like you know, because I know, like

1319
01:05:12,560 --> 01:05:15,680
Speaker 1: you just speak to black women And I'm like, I don't,

1320
01:05:16,360 --> 01:05:21,520
Speaker 1: but it am I purposefully leaning toward Hey girl, Hey,

1321
01:05:21,920 --> 01:05:24,480
Speaker 1: here's a safe space for you. Hell yeah, but we

1322
01:05:24,520 --> 01:05:26,360
Speaker 1: don't turn anyone away, whether you're a man or woman

1323
01:05:26,440 --> 01:05:30,120
Speaker 1: or whatever. But literally, there were only a handful of us,

1324
01:05:30,400 --> 01:05:34,760
Speaker 1: Like everything else what it didn't make sense for women

1325
01:05:34,840 --> 01:05:39,440
Speaker 1: of color. So yes, I purposefully created what I needed

1326
01:05:39,800 --> 01:05:42,480
Speaker 1: and was like, I just need someone who's gonna explain

1327
01:05:42,600 --> 01:05:45,360
Speaker 1: money to me, and like a not a guru, but

1328
01:05:45,440 --> 01:05:48,200
Speaker 1: a girlfriend, like I am nobody's financial guru. I'm like, girls,

1329
01:05:48,240 --> 01:05:50,120
Speaker 1: so I messed up, let me tell you how to

1330
01:05:50,120 --> 01:05:52,200
Speaker 1: fix it. Like I want you to feel like you're

1331
01:05:52,200 --> 01:05:53,800
Speaker 1: talking to me about, like where's the best place to

1332
01:05:53,800 --> 01:05:56,040
Speaker 1: get your hair braided? Because your hair looks really cute.

1333
01:05:56,200 --> 01:06:00,240
Speaker 1: That's the kind of environment I wanted to create. So no, oh,

1334
01:06:00,280 --> 01:06:03,160
Speaker 1: I'm not like you know, I don't turn anyone away,

1335
01:06:03,600 --> 01:06:10,600
Speaker 1: but yes, am I positioned to specifically speak to black women. Yes,

1336
01:06:10,640 --> 01:06:12,960
Speaker 1: because I'm a black woman, So I'm speaking just from

1337
01:06:12,960 --> 01:06:15,160
Speaker 1: a voice of a black woman, meaning that like that's

1338
01:06:15,200 --> 01:06:17,439
Speaker 1: who's listening. Like in the beginning, when I first started,

1339
01:06:17,480 --> 01:06:19,360
Speaker 1: the budgetist said, I was just like, well, whoever wants

1340
01:06:19,360 --> 01:06:21,360
Speaker 1: to pick it up, here it is. And then it

1341
01:06:21,440 --> 01:06:23,880
Speaker 1: was ninety nine percent black women, and so I was like, well,

1342
01:06:23,880 --> 01:06:27,440
Speaker 1: hey girl, hey, And so I mean because honestly, everything

1343
01:06:27,480 --> 01:06:29,479
Speaker 1: else out there, I mean, even brands that I wanted

1344
01:06:29,480 --> 01:06:32,520
Speaker 1: to work with in the beginning, they were excited when

1345
01:06:32,520 --> 01:06:34,280
Speaker 1: I told them, like even my early numbers, like oh

1346
01:06:34,360 --> 01:06:36,160
Speaker 1: you know, we got two thousand on the list, And

1347
01:06:36,200 --> 01:06:38,000
Speaker 1: then when they were like, send me over your deck

1348
01:06:38,280 --> 01:06:39,960
Speaker 1: and they saw all the brown faces because I put

1349
01:06:40,000 --> 01:06:43,120
Speaker 1: brown faces on my proposal decks. We wouldn't get calls back,

1350
01:06:43,360 --> 01:06:45,240
Speaker 1: but the numbers. So I'm like and then I would

1351
01:06:45,240 --> 01:06:46,760
Speaker 1: find out, like I would go to fin Con and

1352
01:06:46,800 --> 01:06:49,360
Speaker 1: find out that some of my other like you know,

1353
01:06:49,640 --> 01:06:52,640
Speaker 1: FINCN friends who weren't black or people of color, and

1354
01:06:52,720 --> 01:06:55,040
Speaker 1: they had way less numbers, and they had like all

1355
01:06:55,080 --> 01:06:57,560
Speaker 1: these brands clamoring for them. And I'm like, well girl,

1356
01:06:57,760 --> 01:06:59,320
Speaker 1: and they're like, girl, I know you're killing it out

1357
01:06:59,320 --> 01:07:01,280
Speaker 1: here with these brands. You've got three times the numbers

1358
01:07:01,320 --> 01:07:03,560
Speaker 1: I have. And I'm like, yeah, no, I reached out

1359
01:07:03,880 --> 01:07:06,000
Speaker 1: what's that what's your contact name? Yeah, that's mine too.

1360
01:07:06,080 --> 01:07:09,080
Speaker 1: She doesnitely turned my calls anymore until a major brand,

1361
01:07:09,120 --> 01:07:10,880
Speaker 1: A brown girl from a major brand pulled me to

1362
01:07:10,880 --> 01:07:12,840
Speaker 1: the side and said, girl, I'm in the room, and

1363
01:07:12,920 --> 01:07:16,840
Speaker 1: the room says there's no money with black women, so

1364
01:07:16,920 --> 01:07:19,080
Speaker 1: we're not doing it. And I'm like, are you kidding me?

1365
01:07:19,160 --> 01:07:21,120
Speaker 1: She's like, no, I'm fighting for us, but I'm the

1366
01:07:21,120 --> 01:07:24,280
Speaker 1: only one in the room. This is a major, major, national,

1367
01:07:24,600 --> 01:07:26,280
Speaker 1: huge financial brand and I'm not going to say their

1368
01:07:26,320 --> 01:07:31,360
Speaker 1: name because they're huge, And I was like so mad,

1369
01:07:31,520 --> 01:07:33,640
Speaker 1: like are you kidding me? So even though we've got

1370
01:07:34,080 --> 01:07:37,840
Speaker 1: way more numbers than some of my my counterparts. There,

1371
01:07:38,440 --> 01:07:41,080
Speaker 1: the thought is there's no money with black women, and

1372
01:07:41,120 --> 01:07:42,480
Speaker 1: that pissed me off. So a bad man you have

1373
01:07:42,560 --> 01:07:44,760
Speaker 1: no even that's thinking about it. I'm like, like, I'm

1374
01:07:44,800 --> 01:07:47,280
Speaker 1: hot with anger, and so I was just like, all right,

1375
01:07:47,520 --> 01:07:50,280
Speaker 1: you know what, fit We're gonna do it ourselves, you

1376
01:07:50,360 --> 01:07:53,440
Speaker 1: know what, Because so we're just not gonna get any support,

1377
01:07:53,600 --> 01:07:56,080
Speaker 1: that's what you're saying. Okay, we don't need your damn support.

1378
01:07:56,360 --> 01:07:58,480
Speaker 1: And so I purposely was like, we're going to create

1379
01:07:58,520 --> 01:08:02,400
Speaker 1: something that is self sustaining that if you guys will

1380
01:08:02,560 --> 01:08:06,520
Speaker 1: will will work together create this movement where we help

1381
01:08:06,520 --> 01:08:09,520
Speaker 1: each other, you know, then we could be self sustaining.

1382
01:08:09,640 --> 01:08:11,600
Speaker 1: And so, like I would ask them, like, what are

1383
01:08:11,600 --> 01:08:14,240
Speaker 1: some ways that we could sustain this movement? So people

1384
01:08:14,240 --> 01:08:15,840
Speaker 1: were like, put out some books. I'm like, yeah, but

1385
01:08:16,400 --> 01:08:17,920
Speaker 1: anything I put in my book is basically what you

1386
01:08:17,960 --> 01:08:19,679
Speaker 1: can get for free on my blog. They're like, it's okay,

1387
01:08:19,680 --> 01:08:21,880
Speaker 1: we'll buy it anyway, and they did. And then I

1388
01:08:21,920 --> 01:08:24,240
Speaker 1: put the money back into the movement enough to sustain

1389
01:08:24,280 --> 01:08:27,920
Speaker 1: myself and enough to sustain so I can present ninety

1390
01:08:27,920 --> 01:08:30,360
Speaker 1: percent of what I do for free and honestly like

1391
01:08:30,400 --> 01:08:32,000
Speaker 1: I was just telling a brand the other day. They

1392
01:08:32,000 --> 01:08:34,000
Speaker 1: wanted to work with me, and I was asking all

1393
01:08:34,040 --> 01:08:35,439
Speaker 1: these questions and I could tell they were a bit

1394
01:08:35,479 --> 01:08:37,240
Speaker 1: taken aback, and they were like, you know, a lot

1395
01:08:37,280 --> 01:08:39,000
Speaker 1: of people are really kind of like happy to work

1396
01:08:39,000 --> 01:08:42,040
Speaker 1: with us. And I said, honestly, and I said this verbatim,

1397
01:08:42,439 --> 01:08:45,680
Speaker 1: I'm good on money. What else are you bringing to

1398
01:08:45,760 --> 01:08:48,680
Speaker 1: the table for I said that. I said, yeah, I'm

1399
01:08:48,680 --> 01:08:51,160
Speaker 1: good on money, and she was like what I said, No,

1400
01:08:51,200 --> 01:08:53,520
Speaker 1: I'm good. I mean, you know, I'm not a bajillionaire,

1401
01:08:53,560 --> 01:08:57,360
Speaker 1: but I'm good on money. My community supports the initiatives

1402
01:08:57,479 --> 01:08:59,519
Speaker 1: that keep us running. So I do not have to

1403
01:08:59,560 --> 01:09:03,080
Speaker 1: say yeah for money at all. If anything, you can't

1404
01:09:03,080 --> 01:09:05,200
Speaker 1: even touch when my community brings to the table as

1405
01:09:05,200 --> 01:09:07,920
Speaker 1: far as finances, So what are you bringing to the table.

1406
01:09:08,000 --> 01:09:11,920
Speaker 1: I'm not choosing collaborations based upon money. That's not why

1407
01:09:11,920 --> 01:09:15,280
Speaker 1: I work with Magnified by Money. It's because Magnifying Money

1408
01:09:15,360 --> 01:09:17,160
Speaker 1: is dope. I would do so for free. If I

1409
01:09:17,160 --> 01:09:19,400
Speaker 1: wouldn't work with you for free, then I wouldn't you know,

1410
01:09:19,479 --> 01:09:22,960
Speaker 1: then I wouldn't introduce you. I know. But I'm just saying, like,

1411
01:09:23,000 --> 01:09:25,080
Speaker 1: you know, I mean I'm period, you know, but it's

1412
01:09:25,160 --> 01:09:26,880
Speaker 1: just like, I don't know, it just gets so frustrating

1413
01:09:26,920 --> 01:09:30,439
Speaker 1: because I just like, I go to back so hard,

1414
01:09:30,479 --> 01:09:31,720
Speaker 1: like you know, we go to bad so hard for

1415
01:09:32,160 --> 01:09:35,720
Speaker 1: women that look like us, and it's just so disheartening

1416
01:09:35,760 --> 01:09:39,160
Speaker 1: when you see that people don't care, and you know,

1417
01:09:39,280 --> 01:09:40,920
Speaker 1: and I mean, now they're starting to care because you

1418
01:09:40,960 --> 01:09:43,280
Speaker 1: can't you know, you can't deny the numbers they're.

1419
01:09:43,080 --> 01:09:44,720
Speaker 2: Like because they did and they were like, y'all do

1420
01:09:44,800 --> 01:09:45,439
Speaker 2: have some money?

1421
01:09:45,560 --> 01:09:48,200
Speaker 1: Yeah, exactly, so now you know. And I try not

1422
01:09:48,240 --> 01:09:50,080
Speaker 1: to be bitter about it, like when like brands that

1423
01:09:50,080 --> 01:09:51,960
Speaker 1: were like, you know, gone before, I try to come

1424
01:09:52,000 --> 01:09:54,160
Speaker 1: back now because to me, if they have something that's

1425
01:09:54,240 --> 01:09:56,040
Speaker 1: good and useful, then it's good and useful. And I

1426
01:09:56,080 --> 01:09:59,280
Speaker 1: try to take my personal you know, my personality and

1427
01:09:59,320 --> 01:10:01,680
Speaker 1: my personal fear fellings out of it. But yeah, I

1428
01:10:01,840 --> 01:10:04,559
Speaker 1: just I'm just so glad that we do this brown ambition,

1429
01:10:04,760 --> 01:10:06,680
Speaker 1: that there's a bunch of Nisa, that there's stuff like

1430
01:10:06,720 --> 01:10:10,160
Speaker 1: what disease is doing and and Issa and you know

1431
01:10:10,280 --> 01:10:13,960
Speaker 1: Ava and you know, learning to be to create the

1432
01:10:14,000 --> 01:10:16,120
Speaker 1: things that we want for us. I think it's it's

1433
01:10:16,120 --> 01:10:18,479
Speaker 1: it's critical and so on that note, let me get

1434
01:10:18,479 --> 01:10:23,280
Speaker 1: off the soap bossible. I was like, don't get me

1435
01:10:23,320 --> 01:10:24,320
Speaker 1: started this damn brand.

1436
01:10:24,360 --> 01:10:27,160
Speaker 2: I'm like, let me, I'm hungry. How much longer?

1437
01:10:28,680 --> 01:10:30,479
Speaker 1: All right? All right, and then we're gonna wrap it up.

1438
01:10:30,520 --> 01:10:31,400
Speaker 1: I'm so sorry, guys.

1439
01:10:31,400 --> 01:10:31,840
Speaker 2: I love out.

1440
01:10:32,840 --> 01:10:34,880
Speaker 1: Yeah, just like this gets so bad. But I'm like,

1441
01:10:34,920 --> 01:10:36,800
Speaker 1: all right, let me bring you back. Really, I'm back in.

1442
01:10:37,080 --> 01:10:41,400
Speaker 2: That's what they came to see. Give them what they want.

1443
01:10:41,680 --> 01:10:43,920
Speaker 1: They're like, damn, okay, Tiffany, I didn't know. Tell them

1444
01:10:43,920 --> 01:10:45,720
Speaker 1: why your mad son? That's what should have a tell

1445
01:10:45,720 --> 01:10:50,719
Speaker 1: them why you mad son segment? All Right, y'all, I'm sorry.

1446
01:10:50,800 --> 01:10:52,040
Speaker 1: I mean, I'm not sorry, but you know.

1447
01:10:52,080 --> 01:10:53,760
Speaker 2: That's it is, is you weigh yourself out.

1448
01:10:54,240 --> 01:10:56,360
Speaker 1: You did. I'm like sweating now I'm sweating.

1449
01:10:56,400 --> 01:11:01,320
Speaker 2: I'm like, oh, that's the passion we're looking for. No,

1450
01:11:01,920 --> 01:11:04,519
Speaker 2: I completely agree. That's why I give you this slow clap.

1451
01:11:06,960 --> 01:11:11,160
Speaker 1: All right, So listeners, Brown Ambition Family, I hope you enjoyed.

1452
01:11:11,160 --> 01:11:13,400
Speaker 1: It is our super long podcast today.

1453
01:11:14,360 --> 01:11:17,599
Speaker 2: As ever, check us out Brown Ambition podcast dot com.

1454
01:11:17,880 --> 01:11:19,639
Speaker 2: And I haven't even looked at iTunes in a while.

1455
01:11:19,640 --> 01:11:22,639
Speaker 2: We're almost at two hundred reviews. You guys, that is amazing.

1456
01:11:23,400 --> 01:11:26,240
Speaker 2: I remember we used to have like stagnantly forty five reviews,

1457
01:11:26,240 --> 01:11:30,840
Speaker 2: So thank you so much. And if you guys, I

1458
01:11:30,880 --> 01:11:32,559
Speaker 2: love your notes. You get a lot of messages to

1459
01:11:32,600 --> 01:11:36,680
Speaker 2: our inbox if you if you have kind words, love

1460
01:11:36,720 --> 01:11:40,080
Speaker 2: your notes. But go ahead share the love on iTunes

1461
01:11:40,320 --> 01:11:43,040
Speaker 2: or wherever you listen to your podcast. It helps people

1462
01:11:43,080 --> 01:11:45,479
Speaker 2: find the show. It's the reason we get on all

1463
01:11:45,520 --> 01:11:49,200
Speaker 2: these lists for best podcasts for women or career in business,

1464
01:11:49,200 --> 01:11:53,320
Speaker 2: which is awesome. So thanks to the love, keep it coming. Yeah,

1465
01:11:53,640 --> 01:11:58,559
Speaker 2: thank you for the love and happy week. I'm gonna

1466
01:11:58,600 --> 01:11:59,439
Speaker 2: go ice mine now.

1467
01:12:00,200 --> 01:12:02,960
Speaker 1: I would ice my body fine,