WEBVTT - Ep. 80 — Saving on medical expenses, refinancing student debt + busting the myth about balance

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<v Speaker 1>Hey hey, hey, hey, we're back. We'll back. We're back,

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<v Speaker 1>We're back. I think I prefer taping on this.

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<v Speaker 2>Day on Monday.

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<v Speaker 1>I do because I feel like my life belongs to

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<v Speaker 1>the Live with Your Academy on Sunday.

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<v Speaker 2>So okay, so it's Monday, our New days talking shop schedules.

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<v Speaker 2>I know, this is how the sausage gets made, you.

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<v Speaker 1>Guys, exactly, you gotta make the donuts. So this as

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<v Speaker 1>you're getting to see all the behind the scenes. But yeah,

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<v Speaker 1>I think I like it. I was like, I like

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<v Speaker 1>this day because Monday's also like for for business, I

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<v Speaker 1>take a day off of well I'm supposed to take

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<v Speaker 1>a day off a week and like, like everybody who

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<v Speaker 1>I work with knows, you're not supposed to like send

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<v Speaker 1>me stuff on Mondays. I mean, I still work on Monday,

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<v Speaker 1>but it's just I don't have to, like my schedule

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<v Speaker 1>is completely empty, you know. And so and then like

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<v Speaker 1>for Sierra, my coo, she's the other like super hard

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<v Speaker 1>working that she gets Wednesdays off, and so just because

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<v Speaker 1>we tend to work on weekends sometimes not always, but sometimes,

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<v Speaker 1>so it's like no matter what, even if we work weekends,

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<v Speaker 1>you get this one day off. You know.

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<v Speaker 2>Yeah, it's like people who own restaurants restaurants clothes on Mondays? Right,

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<v Speaker 2>Is that fact the same kind of thing? Mm hmm,

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<v Speaker 2>I'm having I had one of the most Monday Mondays ever.

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<v Speaker 1>Really.

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<v Speaker 2>Yeah. Well it started out with I got off a stop,

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<v Speaker 2>like my brain malfunction. You know, when you just you

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<v Speaker 2>do your routine, you know exactly which stop to get

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<v Speaker 2>off at. I don't even have to look for the

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<v Speaker 2>names of the stations. It's just I feel when it's

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<v Speaker 2>my stop coming up. And today I just I don't

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<v Speaker 2>know what my brain. I just had a short circuit.

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<v Speaker 2>I need a software update or something. But I got

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<v Speaker 2>off a stop early, which was really annoying, and then

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<v Speaker 2>I had to wait, like, you know, forever for the

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<v Speaker 2>next train. And then you don't take the train to

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<v Speaker 2>work every day, but you know what it's like, like

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<v Speaker 2>it's crazy trying to take the train, Like there's always

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<v Speaker 2>a mad dash, and you know, when you're the first

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<v Speaker 2>person off the train and you're like right by the staircase,

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<v Speaker 2>you better go because you have like the entire you know,

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<v Speaker 2>this entire army coming behind you bearing down on you.

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<v Speaker 2>And I happened to be the first person out of

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<v Speaker 2>the station, and I ran down the stairs and I

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<v Speaker 2>was like, oh my god, they're coming for me. They're

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<v Speaker 2>coming for me. And then when I was trying to

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<v Speaker 2>go back up the stairs because you have to go

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<v Speaker 2>down and then up, my shoes caught on the staircase

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<v Speaker 2>and I went down so hard, so hard, and I

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<v Speaker 2>couldn't and it hurts so bad, and then you just

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<v Speaker 2>you can't stay there because you're gonna get trampled. I

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<v Speaker 2>was just gonna say that, Like, so I felt like

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<v Speaker 2>a like the weak link and like a herd or something.

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<v Speaker 2>So like got out and like ran to Starbucks. Yeah

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<v Speaker 2>that's how my day started. So I'm icing my knee

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<v Speaker 2>right now. Those my steps are no joke.

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<v Speaker 1>Yeah, no they aren't. It's like the city like and yeah,

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<v Speaker 1>New York Penn Station. Like if that morning commute that

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<v Speaker 1>like eight thirty ish, and then that afternoon or evening,

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<v Speaker 1>what that evening commute. First of all, it's I can't

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<v Speaker 1>even imagine if I was coming from another country, Like

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<v Speaker 1>I'm afraid that's a Joysey girl who like you know,

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<v Speaker 1>it's no stranger to the train, Like if I get

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<v Speaker 1>caught out and they have a meeting and I happen

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<v Speaker 1>to have to come back at like between four and five,

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<v Speaker 1>I'm like, oh my god, Oh my god, oh my god.

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<v Speaker 1>Because everyone gathers. There's like a bazillion people stuck together

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<v Speaker 1>looking at the little board, and it's like when it

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<v Speaker 1>changes to your train, like track three, and everyone will yo, manny,

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<v Speaker 1>that's a scary thing.

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<v Speaker 2>Yes, It's like when they release the horses at a

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<v Speaker 2>race or like a dog race or something.

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<v Speaker 1>And if you don't get out, get out the way,

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<v Speaker 1>people are like, get out that way. I mean, I

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<v Speaker 1>think to myself, Yo, what if I had a kid

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<v Speaker 1>with me, I would just be like, you know what,

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<v Speaker 1>I'm gonna go eat dinner and come back an hour.

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<v Speaker 1>When it's not like death, it's called crazy.

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<v Speaker 2>It's dangerous. And you know, I always think of the city.

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<v Speaker 2>I know people, you know, we don't drive cars series

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<v Speaker 2>so people may think that, you know, our commutes are

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<v Speaker 2>somehow easier, but I feel like it's just as treacherous.

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<v Speaker 2>And like walking on the New York City sidewalks is

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<v Speaker 2>like commuting. It's like you have your lane, you need

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<v Speaker 2>to pull over to the shoulder if you're going to

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<v Speaker 2>do things like text, don't try and text in the

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<v Speaker 2>middle of the road or stop in the middle of

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<v Speaker 2>a road. You need to signal before you turn. Sometimes

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<v Speaker 2>it's like it's it's insane and people are people are.

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<v Speaker 1>Mean, Yeah, because you know everybody, Yeah, it's crazy. People

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<v Speaker 1>who normally wouldn't be like evil. They will push you

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<v Speaker 1>and you're like, oh my gosh, that's my shoulder. They

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<v Speaker 1>don't care.

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<v Speaker 2>So solidarity to anybody who had like a hellish Monday

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<v Speaker 2>morning commute, because I feel you a man. But the

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<v Speaker 2>day turned around. Coworker brought in cookies. Yeah, that's always nice,

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<v Speaker 2>and one of my girlfriends just happened to be in

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<v Speaker 2>the neighborhood and I had a nice long lunch and

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<v Speaker 2>sometimes you just need like a little pick me up.

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<v Speaker 1>Today was like the most productive Monday. I had an

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<v Speaker 1>allowed time Like this morning, like I woke up a

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<v Speaker 1>little bit before my alarm, and I was like, today,

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<v Speaker 1>you're not gonna do what you normally do. You're not

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<v Speaker 1>going to hit this alarm because I started going back

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<v Speaker 1>to the gym in the morning at six and typically

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<v Speaker 1>six is when my alarm goes off, and then I

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<v Speaker 1>don't leave the house for like seven thirty and then

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<v Speaker 1>I catch the traffic back and I told myself, Tiffany,

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<v Speaker 1>we're not doing that today. And I was like, today,

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<v Speaker 1>you're actually going to do work today. You're going to

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<v Speaker 1>make your to do list, and you're gonna like things

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<v Speaker 1>that you've been waiting forever to do, You're going to

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<v Speaker 1>get them done today. So I'm like literally in the bed,

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<v Speaker 1>I still close halfway out of rim, like coaching myself

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<v Speaker 1>like you got this, you got this. Today, it's going

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<v Speaker 1>to be different. And I was like, and I've done

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<v Speaker 1>this before and then I wake up and have the

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<v Speaker 1>same day I always have. But today I was like,

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<v Speaker 1>look at you. I mean I didn't get a back six.

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<v Speaker 1>I did six thirty because I was like, honestly, I can't.

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<v Speaker 1>But I did get to the gym, and I added,

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<v Speaker 1>so I'm doing this thing at the gym where when

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<v Speaker 1>I first start, like, I work best when I added

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<v Speaker 1>little things on, like if like my best friend Drino,

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<v Speaker 1>when she goes back to the gym, she has to

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<v Speaker 1>go back hard and not meet well, I'll never come back.

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<v Speaker 1>So Week one was just go to the gym and

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<v Speaker 1>do twenty minutes to cardio and go home. That's it.

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<v Speaker 1>So now we're in week two and well stretching first

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<v Speaker 1>and then twenty minutes. So now week two is stretching

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<v Speaker 1>ads cardio go home. So that's what we're doing all

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<v Speaker 1>this week, and then week three I'll add something else

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<v Speaker 1>on because I need to like slowly bring things on.

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<v Speaker 1>So today I started off at the gym. I had

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<v Speaker 1>my to do list. I actually typically I have either

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<v Speaker 1>inside or outside product to day, meaning like I'm either

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<v Speaker 1>going to be inside all day and like knock out

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<v Speaker 1>all my inside work, but I'll never make it to like,

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<v Speaker 1>you know, run errands or I'm like ripping and running

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<v Speaker 1>errands all day long. And today, for the first time

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<v Speaker 1>and I don't know how long, I actually got all

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<v Speaker 1>my inside work done. And I hate going to the

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<v Speaker 1>mail like to like mail stuff or and you know,

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<v Speaker 1>I had to go to Staples and some other craft

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<v Speaker 1>and I actually did it. I was like, who are you?

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<v Speaker 1>And I got back in the house before five, and

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<v Speaker 1>I was like, get a nag that pep talk works,

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<v Speaker 1>because you know, entrepreneurial life people just think. That's why

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<v Speaker 1>I don't like when people trying to make it seem

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<v Speaker 1>like actionneur life is like the most awesome thing ever

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<v Speaker 1>all the time. I mean, don't get me wrong.

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<v Speaker 2>It looks terrible. It can't be honestly, it just takes

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<v Speaker 2>so much self motivation, you.

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<v Speaker 1>Know, hey when I say some more and literally there

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<v Speaker 1>are weeks when I'm like, who are you tippany yo?

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<v Speaker 1>There are weeks when I'm like if people only knew

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<v Speaker 1>this has been HGTV Binge week and have done nothing,

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<v Speaker 1>and I'm just like people will say to be stuff

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<v Speaker 1>like girl, you know, I didn't want to live because

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<v Speaker 1>I know you're so busy, and I'm like, uh, I'm

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<v Speaker 1>actually in my pjs right now, but okay.

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<v Speaker 2>We need we need to do once a week just

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<v Speaker 2>post a real, like a in real life image on Instagram,

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<v Speaker 2>Like I'm going to post the fifth hour of my

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<v Speaker 2>seven hour America or Great British Bakeoff Marathon, which I

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<v Speaker 2>indulged in on Saturday. That's when I baked pretzels, Like

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<v Speaker 2>that was literally my entire day was pretzels and watching

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<v Speaker 2>baking shows and like a little bit of Netflix, you know,

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<v Speaker 2>like I think people need that like little breath of

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<v Speaker 2>fresh air, like oh yeah, you're humans. You're not always

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<v Speaker 2>on because you can't be you can't. I like what

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<v Speaker 2>you said too, about not trying to go back to

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<v Speaker 2>the gym all at once, because I do what Drina

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<v Speaker 2>does too. I'm like, Okay, I'm gonna, I'm gonna. I

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<v Speaker 2>just I don't want to just lose ten pounds. I

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<v Speaker 2>got to run a half marathon in two months, you know,

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<v Speaker 2>And when you set those crazy expectations, like you're just

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<v Speaker 2>setting yourself up for failure, not to mention, if you

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<v Speaker 2>try and do too much at once, when you get

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<v Speaker 2>back to the gym after a while, you just get

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<v Speaker 2>so sore yep that you can't go the next day.

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<v Speaker 1>It's so because what I really told myself, because you know,

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<v Speaker 1>sometimes you just like, ugh, Like honestly, in the last

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<v Speaker 1>I want to say, year and a half, I've gained

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<v Speaker 1>like twenty pounds. This is the biggest I've ever been.

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<v Speaker 1>I like, I've never typically like my max weight for me.

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<v Speaker 1>So I'm five to eight, and you know, like I

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<v Speaker 1>always had a little booty. You know, I'm African, So

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<v Speaker 1>I'm like, okay, but I'm I'm slim. My Bill was

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<v Speaker 1>typically slim, muscular like my whole life. My dad's side

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<v Speaker 1>of the family is short and muscular. My mom's signs

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<v Speaker 1>long and lean, so I was like a perfect blend

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<v Speaker 1>between the two slim muscular build. So I always looked

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<v Speaker 1>slim than my weight suggested, you know, so people would

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<v Speaker 1>look at me and be like, what are you like

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<v Speaker 1>one twenty. I'm like, yeah, I tried one forty five,

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<v Speaker 1>so I never minded weighing a little bit more. But

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<v Speaker 1>my max weight used to be like one sixty five,

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<v Speaker 1>and I'm like once sixty five was like ooh, got

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<v Speaker 1>a little booty, got some thighs. I never really have

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<v Speaker 1>much of a bus but still looks slim. Girl. I'm

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<v Speaker 1>like one eighty three. I'm like, who is this woman?

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<v Speaker 1>Who DAEs? And I'm like when did this happen? Of

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<v Speaker 1>course Superman is like, yes, he's like my max. He

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<v Speaker 1>was like, just don't go over three hundred. Were good.

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<v Speaker 1>I'm like three hundred, dude, Oh I remember you said that.

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<v Speaker 2>Yeah, I wonder if every man has a limit.

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<v Speaker 1>I'm sure they do, but ee hundred.

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<v Speaker 2>Looks different on some people. Like some people, it just

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<v Speaker 2>depends on your body type. Yes, And You're like, I

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<v Speaker 2>don't even think for your height that weight isn't even

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<v Speaker 2>that bad, Like, but I know what it feels like

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<v Speaker 2>when you when that's like enough. Twenty pounds is enough

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<v Speaker 2>to where your pants are feeling tight. That's where everything

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<v Speaker 2>you want to wear, and that's that's demoralizing, and that's really.

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<v Speaker 1>What it is. Because I didn't notice because like in

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<v Speaker 1>the mirror, I'm like, okay, I definitely see more button,

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<v Speaker 1>more thighs, but I didn't really notice until like I'm

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<v Speaker 1>putting on my jeans, like and I'm not I don't

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<v Speaker 1>typically wear like tight, tight clothes, and I'm putting on

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<v Speaker 1>my jeans and that are like half a size or

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<v Speaker 1>size larger anyway, because that's how I like to wear

0:10:16.040 --> 0:10:18.679
<v Speaker 1>my clothes. And there I can't even wear them. I'm like, wait,

0:10:18.880 --> 0:10:21.240
<v Speaker 1>did these drink? And then I tried another pair. I

0:10:21.240 --> 0:10:23.880
<v Speaker 1>have like twenty pairs of jeans and I'm like, wait, weight,

0:10:24.679 --> 0:10:26.920
<v Speaker 1>none of these fits? And I'm really like, I lest say.

0:10:26.920 --> 0:10:30.079
<v Speaker 1>It took me a minute to realize, wait, am I bigger?

0:10:31.960 --> 0:10:34.280
<v Speaker 1>I stepped out a scale. I said what is this number?

0:10:34.320 --> 0:10:37.520
<v Speaker 1>And I said, okay, Tiffany, like twenty pounds. That's a

0:10:37.520 --> 0:10:40.000
<v Speaker 1>lot in a year, so we're gonna need.

0:10:40.440 --> 0:10:44.439
<v Speaker 2>I could gain that a month. Mine scared, I got, shoot,

0:10:45.000 --> 0:10:47.559
<v Speaker 2>you can get That's just that's just like that's the

0:10:47.640 --> 0:10:49.520
<v Speaker 2>kind of weight where if you just give yourself, you know,

0:10:49.880 --> 0:10:52.240
<v Speaker 2>five or six months and like just change a couple

0:10:52.320 --> 0:10:54.920
<v Speaker 2>of things, you can get you can get back to

0:10:55.040 --> 0:10:55.720
<v Speaker 2>fighting weight.

0:10:56.480 --> 0:10:57.920
<v Speaker 1>I just want to you know what it is, it's

0:10:58.000 --> 0:11:00.800
<v Speaker 1>less the weight, more the Okay, Tiffany, you live like

0:11:00.840 --> 0:11:03.440
<v Speaker 1>a sedentary lifestyle because I'm like always sitting in front

0:11:03.480 --> 0:11:06.440
<v Speaker 1>of a computer, and i just want to get back

0:11:06.440 --> 0:11:11.000
<v Speaker 1>into regular exercise and decent eating, like because that used

0:11:11.000 --> 0:11:12.640
<v Speaker 1>to be me and then one day I just fell

0:11:12.679 --> 0:11:14.480
<v Speaker 1>off a cliff and literally it was nothing for me

0:11:14.559 --> 0:11:17.320
<v Speaker 1>to have like, oh, it's nighttime, I'm hungry, let me

0:11:17.360 --> 0:11:19.679
<v Speaker 1>have some ice cream and some cereal and ooh, let

0:11:19.679 --> 0:11:20.960
<v Speaker 1>me went to the store to get a Snickers bar

0:11:21.080 --> 0:11:23.920
<v Speaker 1>and it's midnight. And then like not have moved all

0:11:23.960 --> 0:11:26.920
<v Speaker 1>the day before or that day. And so I'm just like, Tiffany,

0:11:27.040 --> 0:11:28.959
<v Speaker 1>you have to move at least three times a week

0:11:29.200 --> 0:11:31.520
<v Speaker 1>and eat eat decent. You know, you don't have to like,

0:11:31.520 --> 0:11:33.760
<v Speaker 1>you know, I'm not gonna not have pizza. But at

0:11:33.760 --> 0:11:35.400
<v Speaker 1>the same time, I'm like I need a salad in

0:11:35.400 --> 0:11:37.520
<v Speaker 1>here every once in a while. So you know, that's

0:11:37.559 --> 0:11:40.160
<v Speaker 1>like I'm taking that approach to just life in general

0:11:40.200 --> 0:11:42.679
<v Speaker 1>business Like I used to think, like I have to

0:11:42.720 --> 0:11:44.520
<v Speaker 1>be a beast and Gohard twenty four to seven and

0:11:44.559 --> 0:11:47.000
<v Speaker 1>I'm like, yeah, you don't. I mean you can, but

0:11:47.360 --> 0:11:50.079
<v Speaker 1>all for what you know. So instead even like with

0:11:50.760 --> 0:11:53.600
<v Speaker 1>like business life, I'm learning like one to chill and

0:11:53.679 --> 0:11:55.319
<v Speaker 1>you know when to be like all right, it's beastmo,

0:11:55.400 --> 0:11:59.000
<v Speaker 1>but you know that whole Like Gary Vee is awesome,

0:11:59.120 --> 0:12:01.400
<v Speaker 1>but I could not live that Gary v lifestyle were

0:12:01.440 --> 0:12:04.600
<v Speaker 1>every single second it seems like it's schedule for beast mode.

0:12:04.640 --> 0:12:06.840
<v Speaker 1>I mean, how exhausting. I feel like he's gonna drop

0:12:06.880 --> 0:12:09.200
<v Speaker 1>dead one day on one of his videos.

0:12:10.520 --> 0:12:13.480
<v Speaker 2>I feel like, well, I'm over the whole beast mode

0:12:13.520 --> 0:12:15.719
<v Speaker 2>hashtag for I have this one friend of uses it

0:12:15.760 --> 0:12:19.920
<v Speaker 2>all the time. But I think there's I think too,

0:12:19.960 --> 0:12:22.320
<v Speaker 2>and like people posting about you know, I'm doing this,

0:12:22.400 --> 0:12:23.920
<v Speaker 2>I'm doing that, and like here's my to do list,

0:12:23.960 --> 0:12:25.800
<v Speaker 2>here's so much of accomplished. I don't know how much

0:12:25.840 --> 0:12:28.240
<v Speaker 2>of it, Like are they really happy doing all that?

0:12:28.320 --> 0:12:30.839
<v Speaker 2>And like being at that level of exertion like all

0:12:30.880 --> 0:12:33.560
<v Speaker 2>the time because you only can do so much, Like

0:12:34.040 --> 0:12:36.679
<v Speaker 2>I may be killing it at work, Like before the wedding,

0:12:36.920 --> 0:12:39.160
<v Speaker 2>I was I was killing it with wedding and planning,

0:12:39.280 --> 0:12:41.800
<v Speaker 2>killing it with work, having a terrible social life and

0:12:41.840 --> 0:12:44.240
<v Speaker 2>like bad eating habits. I feel like you can't, like

0:12:44.320 --> 0:12:47.160
<v Speaker 2>I can only do through two things maybe amazingly at

0:12:47.200 --> 0:12:49.320
<v Speaker 2>one time. Mm hmmm, and then you're gonna have to

0:12:49.400 --> 0:12:51.560
<v Speaker 2>like kind of be nice to yourself and get back

0:12:52.160 --> 0:12:55.280
<v Speaker 2>to you know, trying to just find like there's never

0:12:55.320 --> 0:12:57.920
<v Speaker 2>gonna be a perfect balance. I don't think it's like

0:12:58.240 --> 0:13:00.360
<v Speaker 2>I've read a really good quote one time about how

0:13:00.400 --> 0:13:02.320
<v Speaker 2>you have four burners in life. I'm going to try

0:13:02.320 --> 0:13:04.360
<v Speaker 2>and remember the four burners, like one is family, one

0:13:04.440 --> 0:13:08.280
<v Speaker 2>is health, one is friendships, and one is work. And

0:13:08.320 --> 0:13:11.000
<v Speaker 2>you can't have all four burners on it one time.

0:13:11.080 --> 0:13:13.600
<v Speaker 2>You really only can do three max at one time,

0:13:13.640 --> 0:13:16.199
<v Speaker 2>and the other burner's just gonna have to And it's

0:13:16.240 --> 0:13:18.560
<v Speaker 2>not like it's not necessarily a bad thing. It's just

0:13:18.720 --> 0:13:21.000
<v Speaker 2>you just have to sort of like get in the

0:13:21.200 --> 0:13:25.000
<v Speaker 2>like be nice and to yourself and then expect for

0:13:25.080 --> 0:13:27.200
<v Speaker 2>not everything to be going amazingly at the same time.

0:13:27.960 --> 0:13:30.000
<v Speaker 1>To me, though, the better word is like harmony, where

0:13:30.000 --> 0:13:33.319
<v Speaker 1>it's like, okay, you know, things are working together as

0:13:33.360 --> 0:13:36.320
<v Speaker 1>they ought to because sometimes because balance assumes that everything

0:13:36.360 --> 0:13:39.120
<v Speaker 1>is equally weighted, and harmony assumes that it all is

0:13:39.160 --> 0:13:42.640
<v Speaker 1>working together collectively, even though this thing might be a

0:13:42.640 --> 0:13:44.480
<v Speaker 1>little bit heavy at the moment than the other. So

0:13:44.520 --> 0:13:50.800
<v Speaker 1>I'm just working on harmony over balance. I support that, well,

0:13:50.920 --> 0:13:55.760
<v Speaker 1>there is no balance exactly. This is I was totally

0:13:55.800 --> 0:13:59.480
<v Speaker 1>I remembered this article that I read recently about Steve Harvey.

0:13:59.520 --> 0:14:01.120
<v Speaker 1>Did you see this about his email?

0:14:02.280 --> 0:14:04.360
<v Speaker 2>Is this someone where he's really mean to his staff

0:14:04.400 --> 0:14:05.319
<v Speaker 2>members or something?

0:14:05.840 --> 0:14:09.480
<v Speaker 1>Yeah, so he he wrote an email and I guess

0:14:09.520 --> 0:14:10.680
<v Speaker 1>you tell me what you think, and I'll tell you

0:14:10.720 --> 0:14:13.080
<v Speaker 1>what I think. So he's I'm just gonna like paraphrase it.

0:14:13.640 --> 0:14:16.520
<v Speaker 1>Steve Harvey wrote an email where he says like, let

0:14:16.520 --> 0:14:18.080
<v Speaker 1>me see, maybe I can at least read one line

0:14:18.080 --> 0:14:20.840
<v Speaker 1>of it so you can. Okay, good morning everyone, welcome back.

0:14:21.120 --> 0:14:23.880
<v Speaker 1>I'd like you alterview and adhere to the following notes

0:14:24.280 --> 0:14:27.000
<v Speaker 1>and rules for Steven Season five of my talk show.

0:14:27.440 --> 0:14:30.920
<v Speaker 1>There will be no meetings in my dressing room. No

0:14:31.120 --> 0:14:34.800
<v Speaker 1>stopping by popping or popping in no one all caps.

0:14:35.320 --> 0:14:37.920
<v Speaker 1>Do not come to my dressing room unless invited. Do

0:14:38.000 --> 0:14:40.360
<v Speaker 1>not open my dress room door. This is all caps

0:14:40.400 --> 0:14:42.760
<v Speaker 1>right now. If you open my door. Expect to be

0:14:42.840 --> 0:14:46.360
<v Speaker 1>removed and then back to regular My security team will

0:14:46.360 --> 0:14:49.440
<v Speaker 1>stop everyone from standing at my door who has the

0:14:49.560 --> 0:14:52.240
<v Speaker 1>intent to see or speak to me. I want all

0:14:52.320 --> 0:14:55.520
<v Speaker 1>the ambushing to stop now. That includes TV staff. You

0:14:55.600 --> 0:14:59.360
<v Speaker 1>must schedule an appointment. I've been taken advantage of by

0:14:59.360 --> 0:15:03.000
<v Speaker 1>my lenience see lenient policy in the past. This ends now,

0:15:03.320 --> 0:15:06.120
<v Speaker 1>all cats no more. Do not approach me while I'm

0:15:06.160 --> 0:15:08.520
<v Speaker 1>in the makeup chair unless I ask to speak to

0:15:08.560 --> 0:15:11.840
<v Speaker 1>you directly, either knock or use the doorbell. I'm seeking

0:15:11.880 --> 0:15:14.720
<v Speaker 1>more free time for me throughout the day. Do not

0:15:14.880 --> 0:15:17.040
<v Speaker 1>wait in any hallway to speak to me. I hate

0:15:17.080 --> 0:15:20.240
<v Speaker 1>being ambushed. Please make an appointment. I promise you I

0:15:20.280 --> 0:15:22.480
<v Speaker 1>will not entertain you in the hallway, and do not

0:15:22.560 --> 0:15:25.200
<v Speaker 1>attempt to walk with me. If you're reading this, yes,

0:15:25.400 --> 0:15:27.680
<v Speaker 1>I mean you. Everyone. Do not take offense to the

0:15:27.680 --> 0:15:30.280
<v Speaker 1>new way of doing business. It's good for my personal

0:15:30.280 --> 0:15:33.360
<v Speaker 1>life and enjoyment. Thank you all, Steve Harvey.

0:15:33.960 --> 0:15:37.240
<v Speaker 2>I'm telling you, moms across America are laughing their asses

0:15:37.240 --> 0:15:39.480
<v Speaker 2>off right now and desperately wish they had this letter

0:15:39.840 --> 0:15:42.720
<v Speaker 2>and they could give it to their children. Like when

0:15:42.720 --> 0:15:45.840
<v Speaker 2>moms across America just want to read a book or

0:15:45.920 --> 0:15:48.360
<v Speaker 2>I don't know, go number two without anyone walking down

0:15:48.360 --> 0:15:50.640
<v Speaker 2>in the bathroom.

0:15:51.840 --> 0:15:53.520
<v Speaker 1>I want to go to my nephew today and we

0:15:53.520 --> 0:15:55.360
<v Speaker 1>were playing, We're having a good time, and then I

0:15:55.400 --> 0:15:58.120
<v Speaker 1>had to go pee girl because my sister, she of

0:15:58.200 --> 0:16:00.720
<v Speaker 1>course was home because she has the niece and my

0:16:00.760 --> 0:16:02.440
<v Speaker 1>niece and my nephew, so she's home. I just came

0:16:02.480 --> 0:16:04.520
<v Speaker 1>to visit. I went to go to the bathroom. Close

0:16:04.560 --> 0:16:07.480
<v Speaker 1>the door. You would have thought that like I stole

0:16:07.480 --> 0:16:09.640
<v Speaker 1>his favorite toy. He was screaming outside the door like

0:16:10.280 --> 0:16:11.400
<v Speaker 1>a bad like.

0:16:13.560 --> 0:16:15.640
<v Speaker 2>Schu He didn't tell you can use the bathroom.

0:16:16.560 --> 0:16:18.160
<v Speaker 1>And I was looking at her like, so, how do

0:16:18.200 --> 0:16:20.280
<v Speaker 1>you peech? She's like I kind of don't. I just wait.

0:16:20.320 --> 0:16:24.280
<v Speaker 1>He falls asleep. I was yo. He was losing his mind.

0:16:24.320 --> 0:16:27.800
<v Speaker 1>I'm like, Roman, I'm just here. I'm just I just

0:16:27.800 --> 0:16:29.640
<v Speaker 1>have to pee. He was just like, I don't care.

0:16:29.760 --> 0:16:31.920
<v Speaker 1>I don't care what you have to do. We're playing,

0:16:31.920 --> 0:16:35.000
<v Speaker 1>we're having a good time. Name pain And I'm like, wow,

0:16:35.600 --> 0:16:38.280
<v Speaker 1>so so what do you think about? Like what's he asked,

0:16:38.480 --> 0:16:39.640
<v Speaker 1>What's I.

0:16:39.600 --> 0:16:43.720
<v Speaker 2>One hundred percent understand where he's coming from. I like

0:16:43.840 --> 0:16:46.200
<v Speaker 2>last week, it just there was just we have a

0:16:46.240 --> 0:16:49.800
<v Speaker 2>small open concept office. Okay, I've had open concept offices

0:16:49.840 --> 0:16:52.160
<v Speaker 2>for my entire career. I feel like since I moved

0:16:52.160 --> 0:16:54.520
<v Speaker 2>to New York, they're all the rage. You know, well

0:16:54.640 --> 0:16:58.080
<v Speaker 2>no walls, no doors, just you know, everyone's collaborating and creative.

0:16:58.520 --> 0:17:01.640
<v Speaker 2>But that shit gets so in and distracting, and like,

0:17:01.720 --> 0:17:04.160
<v Speaker 2>sometimes you just need to sit in a quiet place

0:17:04.240 --> 0:17:06.600
<v Speaker 2>and just focus on your work and not be distracted.

0:17:07.200 --> 0:17:09.879
<v Speaker 2>And last week I got really frustrated and I was like,

0:17:09.920 --> 0:17:11.280
<v Speaker 2>I'm just going to go across the hall to this

0:17:11.400 --> 0:17:13.000
<v Speaker 2>room and just like lock myself in here and have

0:17:13.080 --> 0:17:18.399
<v Speaker 2>some quiet time. And I understand completely like that, and

0:17:18.440 --> 0:17:20.639
<v Speaker 2>I'm sure he is, like, you know, being Steve Harvey,

0:17:20.640 --> 0:17:22.840
<v Speaker 2>being the boss of anything, people are constantly pulling you

0:17:22.840 --> 0:17:25.080
<v Speaker 2>in a million directions and you need to have boundaries.

0:17:25.720 --> 0:17:28.880
<v Speaker 2>I think the tone of this email I think would

0:17:29.160 --> 0:17:31.680
<v Speaker 2>make me if I were if I were an employee

0:17:31.920 --> 0:17:33.240
<v Speaker 2>and I got this email, I'd be like, well, I'm

0:17:33.240 --> 0:17:35.399
<v Speaker 2>never talking to him again. I'm afraid of him, Like

0:17:35.440 --> 0:17:37.560
<v Speaker 2>I wouldn't approach him at all. There's a lot of

0:17:37.600 --> 0:17:40.119
<v Speaker 2>rules in here. How could you remember all this? Like

0:17:40.359 --> 0:17:41.720
<v Speaker 2>I'd be like, wait, did he say that I could

0:17:41.720 --> 0:17:43.399
<v Speaker 2>talk to him in the break room. I can't remember,

0:17:43.880 --> 0:17:46.760
<v Speaker 2>or was yeah, only by the elevator, Like what you know,

0:17:46.880 --> 0:17:48.120
<v Speaker 2>I think it was a little intense.

0:17:48.520 --> 0:17:53.160
<v Speaker 1>Yeah, it's clear that this was written out of sheer frustration. Yeah,

0:17:53.200 --> 0:17:55.399
<v Speaker 1>it's hard because when you have could this, this is

0:17:55.400 --> 0:17:58.479
<v Speaker 1>what it read like to me, something happened, knee jerk reaction.

0:17:58.640 --> 0:18:03.959
<v Speaker 1>I'm typing this the kermit type the team. But I

0:18:04.000 --> 0:18:08.200
<v Speaker 1>completely understand and agree with the premise of what he's

0:18:08.240 --> 0:18:12.160
<v Speaker 1>saying that basically, like because one like let's just say,

0:18:12.160 --> 0:18:14.000
<v Speaker 1>you know, he's walking on the hallway and you're like

0:18:14.080 --> 0:18:16.960
<v Speaker 1>sharing important information, Like I don't like, I'm the type

0:18:17.000 --> 0:18:19.080
<v Speaker 1>that if you have to share something with me, I'm

0:18:19.080 --> 0:18:21.639
<v Speaker 1>gonna need to write it down. You know, this is important,

0:18:21.840 --> 0:18:24.560
<v Speaker 1>So like you sharing with me this is a casual walk.

0:18:24.600 --> 0:18:27.920
<v Speaker 1>How do I process this part of the business while

0:18:27.920 --> 0:18:29.880
<v Speaker 1>I'm not you know, I'm not in that mode if

0:18:29.920 --> 0:18:32.280
<v Speaker 1>I'm sitting and getting my makeup done or hair done

0:18:32.320 --> 0:18:36.160
<v Speaker 1>or whatever. So that I completely understand. Having time set

0:18:36.200 --> 0:18:41.080
<v Speaker 1>aside to handle different tasks is important. So I completely

0:18:41.160 --> 0:18:44.520
<v Speaker 1>understand that. But you're right. The tone was like, you're right.

0:18:44.720 --> 0:18:46.920
<v Speaker 1>The tone was a little scary, but to me, as

0:18:46.960 --> 0:18:50.640
<v Speaker 1>an entrepreneur. It reached of frustration versus that because people

0:18:50.640 --> 0:18:53.080
<v Speaker 1>are like, oh, you know, Steve Harvey, it is too

0:18:53.080 --> 0:18:55.720
<v Speaker 1>big for them, bredches. I mean, I'm not a huge

0:18:55.800 --> 0:18:57.720
<v Speaker 1>Steve Harvey fan. I mean, I mean, you know, I'm

0:18:57.760 --> 0:19:00.560
<v Speaker 1>kind of ambivalent. You know, I take the good the bag.

0:19:01.080 --> 0:19:05.280
<v Speaker 1>But so I didn't think that he was sounding like arrogant.

0:19:05.480 --> 0:19:07.159
<v Speaker 1>That's not what I read to me. To me, just

0:19:07.280 --> 0:19:10.600
<v Speaker 1>read as extremely frustrated. Somebody must have done it again,

0:19:10.640 --> 0:19:12.159
<v Speaker 1>and he was like, what you're not gonna do is

0:19:12.920 --> 0:19:13.200
<v Speaker 1>you know.

0:19:13.600 --> 0:19:16.399
<v Speaker 2>It sounds like he doesn't have a structure in place

0:19:16.440 --> 0:19:19.000
<v Speaker 2>to where there's someone there to field those questions for him,

0:19:19.040 --> 0:19:21.600
<v Speaker 2>Like maybe he has taken on too much of the

0:19:21.680 --> 0:19:24.639
<v Speaker 2>responsibility behind the scenes for the show, and maybe everything

0:19:24.680 --> 0:19:28.840
<v Speaker 2>requires his stamp of apparval or everything requires his input

0:19:29.200 --> 0:19:31.280
<v Speaker 2>and he set it up to be that way and

0:19:31.320 --> 0:19:33.840
<v Speaker 2>now it's coming back to bite him. Yes, it sounds

0:19:33.840 --> 0:19:36.359
<v Speaker 2>like he needs like someone to help him, like he

0:19:36.400 --> 0:19:38.960
<v Speaker 2>shouldn't be like you're the star of a show. I

0:19:38.960 --> 0:19:40.960
<v Speaker 2>don't think Oprah was dealing with this crap. You know,

0:19:40.960 --> 0:19:44.119
<v Speaker 2>I'm sure Oprah had a amazing like I've read somewhere

0:19:44.240 --> 0:19:46.400
<v Speaker 2>listened to the making of Oprah that podcast you told

0:19:46.440 --> 0:19:49.520
<v Speaker 2>me about, and it really sounded like her team did

0:19:49.680 --> 0:19:52.000
<v Speaker 2>all the you know, was really doing the legwork, and

0:19:52.040 --> 0:19:53.960
<v Speaker 2>so she could do she could do her own work

0:19:54.000 --> 0:19:56.600
<v Speaker 2>and show up and be the best, you know, version

0:19:56.680 --> 0:19:57.280
<v Speaker 2>of herself.

0:19:57.400 --> 0:20:00.000
<v Speaker 1>Yeah, and you're right, that's exactly what it sounds like

0:20:00.080 --> 0:20:04.160
<v Speaker 1>that he and I think a lot of entrepreneurs do that,

0:20:04.160 --> 0:20:07.080
<v Speaker 1>that it's their baby, so they want to be included

0:20:07.119 --> 0:20:09.560
<v Speaker 1>in everything, but they don't realize like, uh, if you're

0:20:09.560 --> 0:20:13.480
<v Speaker 1>included and everything, that's everything. So everybody comes to you

0:20:13.600 --> 0:20:16.600
<v Speaker 1>versus there's sort of like a like, you know, there's

0:20:16.640 --> 0:20:19.200
<v Speaker 1>an order of operations, like okay, because that used to

0:20:19.280 --> 0:20:22.159
<v Speaker 1>be me, but now I finally had to relinquish, and

0:20:22.440 --> 0:20:26.000
<v Speaker 1>Sierra like my coo, she is that for me, Like

0:20:26.400 --> 0:20:28.800
<v Speaker 1>I don't. I used to like everybody used to be like, hey,

0:20:28.840 --> 0:20:30.800
<v Speaker 1>Tiffany hate Tiffany, hate Tiffany. And I'm like, well, I

0:20:31.320 --> 0:20:33.960
<v Speaker 1>have to write this proposal or I have to prepare

0:20:34.000 --> 0:20:36.240
<v Speaker 1>for the speaking engagement. And I couldn't because I was

0:20:36.280 --> 0:20:38.560
<v Speaker 1>always feeling like can I go over by two hours

0:20:38.560 --> 0:20:40.760
<v Speaker 1>because I'm not finished with this? And can I Now

0:20:40.800 --> 0:20:43.080
<v Speaker 1>I don't deal with any of those things anymore. Sierra

0:20:43.240 --> 0:20:45.800
<v Speaker 1>really is like, let me operate. I am the you know,

0:20:46.000 --> 0:20:49.000
<v Speaker 1>chief operating officer, Like that's what I'm supposed to do.

0:20:49.119 --> 0:20:51.479
<v Speaker 1>And I was afraid of because I'm like, well, what's happening?

0:20:51.480 --> 0:20:53.320
<v Speaker 1>You know what's telling me things? And she's like, cause

0:20:53.359 --> 0:20:55.720
<v Speaker 1>things are running smoothly, I can't tell you it has

0:20:55.800 --> 0:21:00.600
<v Speaker 1>transformed everything. So yeah, he clearly has not. It's not

0:21:00.680 --> 0:21:03.119
<v Speaker 1>just enough to say don't talk to me, because clearly

0:21:03.160 --> 0:21:04.760
<v Speaker 1>these are conversations that need to be had.

0:21:04.880 --> 0:21:06.919
<v Speaker 2>Yeah, who was the reason been coming to you?

0:21:07.400 --> 0:21:07.880
<v Speaker 1>Exactly?

0:21:07.920 --> 0:21:09.520
<v Speaker 2>You need to set up a note you can't just

0:21:09.600 --> 0:21:12.480
<v Speaker 2>take away. And it also made me sounds like even

0:21:12.560 --> 0:21:15.000
<v Speaker 2>if he has people in power, that they're not working

0:21:15.040 --> 0:21:17.919
<v Speaker 2>together yep, because they should be able to resolve issues.

0:21:17.960 --> 0:21:19.959
<v Speaker 2>It's like when your mom says, like when we used

0:21:20.000 --> 0:21:22.479
<v Speaker 2>to call my mom fighting four kids on summer vacation

0:21:22.640 --> 0:21:25.640
<v Speaker 2>at home by ourselves, ripping each other's throats out. We'd

0:21:25.680 --> 0:21:29.000
<v Speaker 2>always call mom. Things would escalate and her response would be,

0:21:29.480 --> 0:21:32.040
<v Speaker 2>work out amongst yourselves. I cannot handle this right now.

0:21:32.119 --> 0:21:35.120
<v Speaker 2>Click you know, and we you know whatever, someone would die.

0:21:35.480 --> 0:21:38.560
<v Speaker 2>Obviously we went to work. We wouldn't have a choice

0:21:38.560 --> 0:21:41.640
<v Speaker 2>she had like removed herself from the from the from

0:21:41.680 --> 0:21:44.639
<v Speaker 2>the situation, it sounds like he needs, Yeah, he needs

0:21:44.880 --> 0:21:47.040
<v Speaker 2>like he has like a bunch of kids fighting or something,

0:21:47.080 --> 0:21:49.800
<v Speaker 2>and they don't like there's not really anyone with authority

0:21:49.840 --> 0:21:50.800
<v Speaker 2>besides him.

0:21:51.359 --> 0:21:53.440
<v Speaker 1>Yeah. So I just thought that was like, I look

0:21:53.560 --> 0:21:56.199
<v Speaker 1>like because people were really polarized on it, and I

0:21:56.280 --> 0:21:58.359
<v Speaker 1>was like, oh, you know, let's talk about it.

0:21:58.359 --> 0:21:59.639
<v Speaker 2>Well, I can tell you if it was a woman,

0:22:00.560 --> 0:22:02.760
<v Speaker 2>it would be it would not even be polarizing. It

0:22:02.760 --> 0:22:05.400
<v Speaker 2>would be like this bitch, this diva, blah blah blah,

0:22:05.480 --> 0:22:07.840
<v Speaker 2>because it isn't not always the rumor about women and

0:22:08.720 --> 0:22:10.600
<v Speaker 2>powers that they don't want you to look at them

0:22:10.720 --> 0:22:14.080
<v Speaker 2>or talk to them or something and be totally misconstrued.

0:22:14.119 --> 0:22:18.200
<v Speaker 2>But I mean he's problematic for other reasons.

0:22:18.640 --> 0:22:20.399
<v Speaker 1>Yeah. So I was like, but to me, this, I

0:22:20.480 --> 0:22:23.399
<v Speaker 1>was like, to be fair, I get it, although the

0:22:23.520 --> 0:22:24.960
<v Speaker 1>delivery was a little wonky.

0:22:25.640 --> 0:22:27.520
<v Speaker 2>Yeah, it sounds like he has bigger problems at play

0:22:27.560 --> 0:22:30.880
<v Speaker 2>here exact right, I don't really, it's not really surprising.

0:22:32.840 --> 0:22:35.320
<v Speaker 2>And in other news I just saw today, are we

0:22:36.000 --> 0:22:39.040
<v Speaker 2>I can't help but feel like has the memo not

0:22:39.160 --> 0:22:44.439
<v Speaker 2>gotten out that like rules against how young women should

0:22:44.440 --> 0:22:50.760
<v Speaker 2>wear their hair in schools. Oh, being racist and marginalized

0:22:50.760 --> 0:22:56.280
<v Speaker 2>students because I just saw another headline two young African American.

0:22:56.840 --> 0:22:58.960
<v Speaker 2>Actually they may not be American, they would be Canadian.

0:22:59.040 --> 0:23:02.800
<v Speaker 2>Oh no, Massachusetts. Yeah, so two young black female students

0:23:02.840 --> 0:23:06.120
<v Speaker 2>at a charter school in Massachusetts were kicked off their

0:23:06.119 --> 0:23:10.040
<v Speaker 2>sports teams and banned from attending prom because they had

0:23:10.080 --> 0:23:14.400
<v Speaker 2>the audacity to wear their hair in like braids. Braids.

0:23:14.680 --> 0:23:15.520
<v Speaker 1>I don't understand.

0:23:15.720 --> 0:23:18.080
<v Speaker 2>This is just outside of Boston. Apparently this you know,

0:23:18.200 --> 0:23:20.160
<v Speaker 2>charter schools, so they can make their own rules, right,

0:23:20.200 --> 0:23:25.119
<v Speaker 2>Like they're kind of like an alternative to the traditional

0:23:25.200 --> 0:23:27.239
<v Speaker 2>sort of public school system, right, is that how they

0:23:27.280 --> 0:23:29.800
<v Speaker 2>basically work? So apparently these.

0:23:30.200 --> 0:23:32.879
<v Speaker 1>Are public schools, yes, but there are public schools that

0:23:32.880 --> 0:23:36.679
<v Speaker 1>are funded like differently yet, but they act outside of

0:23:36.720 --> 0:23:38.480
<v Speaker 1>public schools kind of. But yeah, go ahead.

0:23:39.720 --> 0:23:42.240
<v Speaker 2>So they apparently have the strict dress code and one

0:23:42.240 --> 0:23:44.160
<v Speaker 2>of the rules is like, I actually want to read

0:23:44.160 --> 0:23:49.240
<v Speaker 2>the policy because on its face it sounds it sounds

0:23:50.960 --> 0:23:56.200
<v Speaker 2>racist or it sounds like discriminatory against African American African Americans,

0:23:56.200 --> 0:23:57.920
<v Speaker 2>So I'll read this. It says a dress code policy

0:23:57.920 --> 0:24:00.920
<v Speaker 2>on the student on the website says students cannot wear

0:24:01.040 --> 0:24:04.919
<v Speaker 2>drastic or unnatural hair colors or styles such as shaved

0:24:04.960 --> 0:24:08.920
<v Speaker 2>lines or shaved sides, or have a hairstyle that could

0:24:08.960 --> 0:24:12.920
<v Speaker 2>be distracting. In parentheses, extra long hair or hair more

0:24:12.960 --> 0:24:15.880
<v Speaker 2>than two inches in thickness or height is not allowed.

0:24:16.240 --> 0:24:19.879
<v Speaker 2>This means no coloring, dyeing, lightning, or streaking if any sort.

0:24:19.960 --> 0:24:23.159
<v Speaker 2>Hair extensions are not allowed, and on and on and

0:24:23.160 --> 0:24:27.080
<v Speaker 2>on and on and on. So this basically completely bans

0:24:27.119 --> 0:24:29.320
<v Speaker 2>any natural hair. Like my hair was like six inches

0:24:29.359 --> 0:24:32.640
<v Speaker 2>tall right now, you know my natural hair, Like this

0:24:32.720 --> 0:24:34.800
<v Speaker 2>is the hair I wash. I go out in the

0:24:34.840 --> 0:24:37.280
<v Speaker 2>world and it becomes six inches high, So I would

0:24:37.320 --> 0:24:39.600
<v Speaker 2>be banned. I would get kicked out of this school.

0:24:40.200 --> 0:24:42.639
<v Speaker 1>But you know that's just crazy because it's like, I

0:24:42.680 --> 0:24:44.439
<v Speaker 1>guess what really is so crazy to me. It's like,

0:24:44.560 --> 0:24:49.840
<v Speaker 1>so that's like saying if your skin is brown, you

0:24:49.880 --> 0:24:52.000
<v Speaker 1>cannot attend. You're like, well, girl, you know I was

0:24:52.000 --> 0:24:54.760
<v Speaker 1>born like this, right, Like like my hair, I don't

0:24:54.840 --> 0:24:58.320
<v Speaker 1>I'm not manipulating it to be this. It just is this.

0:24:58.600 --> 0:25:00.840
<v Speaker 1>So what you're saying is that I have to be

0:25:01.119 --> 0:25:05.240
<v Speaker 1>unnatural in order to be acceptable. That to me is

0:25:05.359 --> 0:25:10.280
<v Speaker 1>just insane, crazy and totally racist. Oh lord, I'm weary. Right.

0:25:10.359 --> 0:25:12.560
<v Speaker 1>You read some of these things and you're just like, oh,

0:25:12.600 --> 0:25:13.680
<v Speaker 1>this world sucks.

0:25:16.560 --> 0:25:21.280
<v Speaker 2>It's a it's a mad I mean where it's I mean,

0:25:21.720 --> 0:25:26.480
<v Speaker 2>this was happening before the you know, current leadership changed

0:25:26.480 --> 0:25:30.680
<v Speaker 2>in America. But it just makes everything seems much worse,

0:25:30.720 --> 0:25:32.840
<v Speaker 2>doesn't it feel like everything that happens now, it's like

0:25:32.960 --> 0:25:39.200
<v Speaker 2>and Trump is president. You can't even look for comfort

0:25:39.240 --> 0:25:42.960
<v Speaker 2>at our black president anymore and have hope. Now it's

0:25:43.000 --> 0:25:45.480
<v Speaker 2>like all signs are pointing too terrible.

0:25:53.240 --> 0:25:56.840
<v Speaker 1>Yeah, and now it's time for brown break, brown boost,

0:25:57.600 --> 0:25:59.280
<v Speaker 1>brown break, brown booths. I wish you could see me

0:25:59.480 --> 0:26:02.480
<v Speaker 1>my shoulders that I'm doing like this hand thing. You

0:26:02.480 --> 0:26:04.280
<v Speaker 1>can hear it right, Like brown break brown I'm doing

0:26:04.320 --> 0:26:06.600
<v Speaker 1>like this little shoulder shindy and like you know, my

0:26:06.680 --> 0:26:09.840
<v Speaker 1>hands are I'm giving jazz hands and they're like pumping

0:26:09.840 --> 0:26:11.400
<v Speaker 1>the air. Brown break, brown booths.

0:26:11.800 --> 0:26:14.600
<v Speaker 2>So just a really good picture.

0:26:15.000 --> 0:26:17.000
<v Speaker 1>Yeah, so you could see me, you know, just a

0:26:17.040 --> 0:26:19.919
<v Speaker 1>little something for the fans. I hope that was not

0:26:20.000 --> 0:26:22.960
<v Speaker 1>too long. So I was telling Mandy before we started

0:26:23.000 --> 0:26:27.000
<v Speaker 1>taping that Superman and I were at a home a

0:26:27.000 --> 0:26:28.919
<v Speaker 1>first time Homebuyers class that he has to take in

0:26:29.000 --> 0:26:31.480
<v Speaker 1>order to be certified and so he can get like

0:26:31.480 --> 0:26:34.920
<v Speaker 1>a certain mortgage. And when we were in there, a

0:26:34.920 --> 0:26:36.280
<v Speaker 1>guy comes up to me. He's like, oh my gosh,

0:26:36.280 --> 0:26:39.080
<v Speaker 1>ire the budget Tista. I was like, Nista, but close enough,

0:26:39.320 --> 0:26:43.240
<v Speaker 1>and so I can't remember his name. I think your

0:26:43.280 --> 0:26:45.520
<v Speaker 1>name is Jamal. I can't remember though, because I have

0:26:45.560 --> 0:26:49.000
<v Speaker 1>a bad memory. But anyway, he said he loved the podcast,

0:26:49.280 --> 0:26:51.719
<v Speaker 1>you know, but we chatted too much in the beginning.

0:26:51.720 --> 0:26:54.199
<v Speaker 1>I'm like, dude, like that's what we do. So I

0:26:54.240 --> 0:26:57.040
<v Speaker 1>hope that wasn't too long for you, Jamal, I think

0:26:57.119 --> 0:26:58.000
<v Speaker 1>you know it doesn't.

0:26:57.720 --> 0:26:59.639
<v Speaker 2>You also want us to smile more or something.

0:27:02.000 --> 0:27:03.520
<v Speaker 1>Now. He was really nice though, but he was like

0:27:03.560 --> 0:27:05.320
<v Speaker 1>it's a great podcast and that you know, we're doing

0:27:05.359 --> 0:27:07.800
<v Speaker 1>great work. So shots to you, even though I should

0:27:07.800 --> 0:27:09.560
<v Speaker 1>have gotten your name down, but I'm sorry. You know

0:27:09.600 --> 0:27:10.080
<v Speaker 1>who you are.

0:27:10.520 --> 0:27:11.320
<v Speaker 2>It's okay.

0:27:13.119 --> 0:27:15.480
<v Speaker 1>So are you breaking or are you basting?

0:27:16.160 --> 0:27:19.000
<v Speaker 2>I'm gonna do a break and a boost. I feel

0:27:19.040 --> 0:27:21.919
<v Speaker 2>like every break should be followed by a boost. That

0:27:22.080 --> 0:27:24.960
<v Speaker 2>is the way it should be. So my I'm gonna

0:27:24.960 --> 0:27:26.800
<v Speaker 2>take a break. So my break is going to be

0:27:27.080 --> 0:27:31.639
<v Speaker 2>insurance deductibles. Now, I know you're all falling asleep right now,

0:27:31.720 --> 0:27:34.359
<v Speaker 2>but I don't know if you've noticed if you have insurance,

0:27:34.359 --> 0:27:39.359
<v Speaker 2>but like deductibles are becoming increasingly and I mean like increasingly,

0:27:39.440 --> 0:27:42.880
<v Speaker 2>like record levels of health plans have deductibles where it's

0:27:42.920 --> 0:27:46.320
<v Speaker 2>like you pay money for health coverage and then they're like, okay,

0:27:46.320 --> 0:27:48.400
<v Speaker 2>thanks for your money. Now we're going to need more

0:27:48.440 --> 0:27:51.520
<v Speaker 2>money before we actually start giving you insurance. And it's

0:27:51.680 --> 0:27:53.840
<v Speaker 2>I've never had a plan until now. I guess I've

0:27:53.840 --> 0:27:57.560
<v Speaker 2>been really fortunate that has a deductible. So when I,

0:27:58.240 --> 0:28:00.920
<v Speaker 2>for example, my deductibles one thousand dollar, and that means

0:28:00.960 --> 0:28:04.640
<v Speaker 2>anything beyond like my preventative care, like my little ten

0:28:04.680 --> 0:28:07.080
<v Speaker 2>dollars copay or whatever it is, twenty five dollars copay

0:28:07.160 --> 0:28:12.359
<v Speaker 2>for my physical or PAP smerror or whatever. Anything beyond

0:28:12.400 --> 0:28:15.960
<v Speaker 2>that I have to pay out of pocket. So for

0:28:16.000 --> 0:28:19.399
<v Speaker 2>the first time this year, I've really taken advantage and

0:28:19.400 --> 0:28:22.360
<v Speaker 2>this is gonna be my boost. So the break is deductibles.

0:28:22.400 --> 0:28:25.520
<v Speaker 2>I feel your pain, and I'm a single person. My

0:28:25.640 --> 0:28:28.120
<v Speaker 2>deductible would be way higher if I were a family.

0:28:28.560 --> 0:28:32.240
<v Speaker 2>I think the average I mean some plan, some plans

0:28:32.280 --> 0:28:34.560
<v Speaker 2>for families, Like if you have a couple kids can

0:28:34.600 --> 0:28:38.840
<v Speaker 2>easily be six seven thousand dollars deductible for the year.

0:28:40.240 --> 0:28:42.720
<v Speaker 2>So if your kid, like you know, breaks their arm

0:28:42.800 --> 0:28:45.120
<v Speaker 2>or they need like you know, you need, you need

0:28:45.200 --> 0:28:48.120
<v Speaker 2>care beyond the preventative stuff that's covered you know, one

0:28:48.200 --> 0:28:51.960
<v Speaker 2>hundred percent under the current healthcare law, which you know

0:28:52.160 --> 0:28:55.560
<v Speaker 2>may change, then yeah, you have to pay out of

0:28:55.560 --> 0:28:59.680
<v Speaker 2>pocket for that crap. So deductible's boo. So one of

0:28:59.680 --> 0:29:01.440
<v Speaker 2>the quot should we get a lot of magnified money.

0:29:01.440 --> 0:29:03.840
<v Speaker 2>And one of the things that I've learned, especially this

0:29:03.920 --> 0:29:07.479
<v Speaker 2>year having a plan with a deductible, is how to

0:29:08.200 --> 0:29:11.720
<v Speaker 2>get discounts for paying for out of pocket for services.

0:29:11.760 --> 0:29:14.680
<v Speaker 2>So I realized and I should have known, because my

0:29:14.760 --> 0:29:17.400
<v Speaker 2>dad has been playing this system for years because he's

0:29:17.560 --> 0:29:20.440
<v Speaker 2>like hardly ever had health insurance. And when you pay

0:29:20.560 --> 0:29:24.200
<v Speaker 2>cash for things, for example, I need I need to

0:29:24.200 --> 0:29:26.120
<v Speaker 2>get a tooth taken out, which I've needed to taken

0:29:26.200 --> 0:29:27.680
<v Speaker 2>like for a year. I've had to get this tooth

0:29:27.680 --> 0:29:30.960
<v Speaker 2>taken out. I'm currently negotiating with my dentist to try

0:29:31.000 --> 0:29:34.480
<v Speaker 2>and get a more affordable cash rate because my insurance

0:29:34.520 --> 0:29:38.200
<v Speaker 2>isn't covering it, so they're giving me like five hundred

0:29:38.240 --> 0:29:41.760
<v Speaker 2>dollars off what they would typically charge the ensure. Oh,

0:29:42.640 --> 0:29:47.000
<v Speaker 2>and what I'm going to do? Well, what I tried

0:29:47.000 --> 0:29:49.000
<v Speaker 2>to do. What I kind of did, but I didn't

0:29:49.000 --> 0:29:51.600
<v Speaker 2>put enough in there. My plan was to put put

0:29:51.720 --> 0:29:56.280
<v Speaker 2>enough money in my flex Savings account, my flexible savings account,

0:29:56.320 --> 0:29:59.240
<v Speaker 2>which is an account you can create a lot of

0:29:59.280 --> 0:30:01.400
<v Speaker 2>employers off for it, and you can put money into

0:30:01.400 --> 0:30:04.640
<v Speaker 2>your FSA and it's pre tax dollars and you can

0:30:04.760 --> 0:30:08.640
<v Speaker 2>use those pre tax dollars to pay for medical expenses, copays,

0:30:09.040 --> 0:30:11.360
<v Speaker 2>even some over the counter medicines. Like I think I

0:30:11.400 --> 0:30:14.800
<v Speaker 2>paid for allergy nasal spray and it was covered by

0:30:14.800 --> 0:30:17.320
<v Speaker 2>my copay. I think they even covered a heating pad

0:30:17.360 --> 0:30:20.880
<v Speaker 2>I bought one time I forget, you know, any anytime

0:30:20.920 --> 0:30:23.280
<v Speaker 2>I go to a doctor, I use my FSA debit card.

0:30:23.800 --> 0:30:26.320
<v Speaker 2>Or I pay for prescription, I use my FSA debit card.

0:30:27.160 --> 0:30:30.280
<v Speaker 2>So my plan was to, yeah, I and I've really

0:30:30.680 --> 0:30:32.720
<v Speaker 2>learned a lot about FSAs and I and I found

0:30:32.760 --> 0:30:35.800
<v Speaker 2>out that my husband doesn't even use his FSA, and

0:30:35.840 --> 0:30:39.240
<v Speaker 2>I'm like, we all need to have FSAs because I

0:30:39.240 --> 0:30:42.320
<v Speaker 2>mean I even use it to buy my eyeglasses. So

0:30:42.360 --> 0:30:46.160
<v Speaker 2>my glasses are one hundred bucks and buy you. By

0:30:46.200 --> 0:30:48.920
<v Speaker 2>paying for my glasses with pre tax dollars, I'm basically

0:30:49.000 --> 0:30:51.360
<v Speaker 2>saving like fifteen twenty percent. Depending on what your tax

0:30:51.360 --> 0:30:54.160
<v Speaker 2>bracket is, it changes like how much you're actually taxed.

0:30:54.680 --> 0:30:57.400
<v Speaker 2>So that's my boost for an FSA. If you if

0:30:57.440 --> 0:31:00.000
<v Speaker 2>you even if you don't have a high deductible health

0:31:00.040 --> 0:31:04.000
<v Speaker 2>care plan, if you buy things like glasses, contact Solution,

0:31:04.320 --> 0:31:07.760
<v Speaker 2>even if you have to buy new contacts a couple

0:31:07.760 --> 0:31:10.200
<v Speaker 2>of times a year, or you just want to, you know,

0:31:10.240 --> 0:31:13.280
<v Speaker 2>get a little discount off your basic copays. I would

0:31:13.360 --> 0:31:16.480
<v Speaker 2>highly suggest looking into getting an FSA, and it may

0:31:16.560 --> 0:31:20.720
<v Speaker 2>seem complicated, but it's well worth it. And even some

0:31:20.880 --> 0:31:25.120
<v Speaker 2>employers you can get your So some employers have an

0:31:25.200 --> 0:31:28.280
<v Speaker 2>FSA where and this kind of sucks where you put

0:31:28.280 --> 0:31:29.960
<v Speaker 2>the money in and either use it or you lose it.

0:31:31.120 --> 0:31:33.200
<v Speaker 2>So at like decemberg rolls around, you're like, oh god,

0:31:33.240 --> 0:31:36.160
<v Speaker 2>I gotta go to dayne read and get everything. But

0:31:36.440 --> 0:31:40.080
<v Speaker 2>some employers are now so my employer, for example, we

0:31:40.160 --> 0:31:43.600
<v Speaker 2>can roll over anything under five hundred dollars, so I

0:31:43.600 --> 0:31:45.440
<v Speaker 2>have a little bit of a cushion. But if you

0:31:45.480 --> 0:31:47.080
<v Speaker 2>sit down like I did, and I was like, Okay,

0:31:47.080 --> 0:31:48.600
<v Speaker 2>I'm I had to get this tooth taken out, and

0:31:48.640 --> 0:31:51.440
<v Speaker 2>I'm adding up, I'm kind of estimating how much I'm

0:31:51.440 --> 0:31:54.640
<v Speaker 2>going to need for my healthcare expenses for the year,

0:31:54.720 --> 0:31:57.239
<v Speaker 2>and I just put that onto my FSA and then

0:31:57.280 --> 0:31:59.800
<v Speaker 2>hopefully it kind of all works out. So I'm going

0:32:00.480 --> 0:32:04.320
<v Speaker 2>I'm negotiating the cash rate for paying out of pocket

0:32:04.640 --> 0:32:06.560
<v Speaker 2>at my dentist, and then I'm also going to be

0:32:06.560 --> 0:32:10.720
<v Speaker 2>paying with my FSA card and hopefully saving We'll definitely

0:32:10.760 --> 0:32:13.200
<v Speaker 2>saving more on top of that.

0:32:13.200 --> 0:32:15.240
<v Speaker 1>That's a great but you have me looking into it.

0:32:15.280 --> 0:32:17.520
<v Speaker 1>I'm like, sit, man, let's say baby.

0:32:17.560 --> 0:32:19.520
<v Speaker 2>And then if you have and just real quick, if

0:32:19.520 --> 0:32:21.520
<v Speaker 2>you have a high deductible health plan, there's like a

0:32:21.520 --> 0:32:24.440
<v Speaker 2>certain benchmark and it depends on whether you're and the

0:32:24.520 --> 0:32:26.160
<v Speaker 2>I don't won't get into the nitty gritty, but basically,

0:32:26.160 --> 0:32:28.080
<v Speaker 2>if you have a really high deductible like mine's only

0:32:28.120 --> 0:32:31.320
<v Speaker 2>a thousand, that's not considered a high deductible. If you

0:32:31.360 --> 0:32:33.680
<v Speaker 2>have a high one, then you probably have what's called

0:32:33.680 --> 0:32:35.920
<v Speaker 2>an HSA, which is a health savings account, which is

0:32:36.000 --> 0:32:39.160
<v Speaker 2>very very similar to an FSA. It's where you put

0:32:39.200 --> 0:32:41.960
<v Speaker 2>money in your account before taxes come out. So you

0:32:42.000 --> 0:32:45.240
<v Speaker 2>can have tax free money to use for your out

0:32:45.280 --> 0:32:47.800
<v Speaker 2>of pocket healthcare expenses. But the better thing about the

0:32:47.920 --> 0:32:50.240
<v Speaker 2>HSA is that you can take it with you. Doesn't

0:32:50.280 --> 0:32:53.000
<v Speaker 2>there's no you know, use it or lose it rule.

0:32:53.480 --> 0:32:56.080
<v Speaker 2>So definitely, and if you guys have we don't really

0:32:56.080 --> 0:32:59.160
<v Speaker 2>get a lot of questions about the cost of health care,

0:32:59.200 --> 0:33:01.400
<v Speaker 2>and I feel like that's it's definitely something that people

0:33:01.400 --> 0:33:02.880
<v Speaker 2>out there are dealing with. So if you guys have

0:33:02.920 --> 0:33:07.120
<v Speaker 2>any you know, medical or you know debt situations, even

0:33:07.240 --> 0:33:11.120
<v Speaker 2>that's a huge and common problem that people have as

0:33:11.200 --> 0:33:14.160
<v Speaker 2>medical debts. So if you guys have any issues like that,

0:33:14.800 --> 0:33:15.720
<v Speaker 2>don't be a stranger.

0:33:17.440 --> 0:33:18.680
<v Speaker 1>Don't be a stranger.

0:33:18.960 --> 0:33:20.480
<v Speaker 2>Oh, I guess I should say where you can send

0:33:20.520 --> 0:33:24.280
<v Speaker 2>questions to. Yeah, just go to Brown Ambition Podcast dot

0:33:24.320 --> 0:33:28.040
<v Speaker 2>com or email us at Brown Ambition Podcast at gmail

0:33:28.280 --> 0:33:30.440
<v Speaker 2>dot com dot com.

0:33:30.440 --> 0:33:34.440
<v Speaker 1>I'm back. So I'm gonna boost. I'm gonna boost, and

0:33:34.480 --> 0:33:38.240
<v Speaker 1>my boost is going to be black girls. And here's why.

0:33:38.360 --> 0:33:40.760
<v Speaker 1>So I'm not sure how I feel about the title,

0:33:40.800 --> 0:33:43.760
<v Speaker 1>but Forbes just put out an article today and the

0:33:43.800 --> 0:33:47.080
<v Speaker 1>name of the article is the next trend in leadership

0:33:47.320 --> 0:33:51.920
<v Speaker 1>Black Women. And I feel a little somehow about the word.

0:33:51.800 --> 0:33:55.760
<v Speaker 2>Trendla women are in now, I know, let's let's promote them.

0:33:56.520 --> 0:33:58.320
<v Speaker 1>Yeah. So I'm like, I don't know, I find like

0:33:58.320 --> 0:34:01.160
<v Speaker 1>the word trend, but I you know, I definitely want

0:34:01.200 --> 0:34:05.120
<v Speaker 1>to say that there is definitely this surge in not

0:34:05.240 --> 0:34:08.719
<v Speaker 1>in black girl magic and blacker awesomeness because clearly it's

0:34:08.719 --> 0:34:12.759
<v Speaker 1>been here, but the surge and recognizing it. And so

0:34:12.800 --> 0:34:15.719
<v Speaker 1>the article, I guess the person who wrote it, they

0:34:15.760 --> 0:34:20.480
<v Speaker 1>attended several like either conferences or events, and one of

0:34:20.520 --> 0:34:23.080
<v Speaker 1>the events I was part of it was for this

0:34:23.160 --> 0:34:26.719
<v Speaker 1>company called genie Box. It was at Google in New York,

0:34:27.160 --> 0:34:30.360
<v Speaker 1>and they had like a I forget the name of

0:34:30.400 --> 0:34:32.680
<v Speaker 1>the group at Google. It was like either Black Women

0:34:32.680 --> 0:34:35.120
<v Speaker 1>in Tech or something to that effect, and they invited

0:34:35.160 --> 0:34:37.480
<v Speaker 1>genie Box, and genie Box invited me and a bunch

0:34:37.520 --> 0:34:39.600
<v Speaker 1>of other awesome, amazing women to speak and I got

0:34:39.600 --> 0:34:43.000
<v Speaker 1>to do a keynote, which is pretty awesome. And it

0:34:43.120 --> 0:34:45.400
<v Speaker 1>just was dope because there was all these different type

0:34:45.480 --> 0:34:49.399
<v Speaker 1>of just all this brown ambition in the room representing

0:34:49.480 --> 0:34:51.879
<v Speaker 1>whether it's like there was Veronica Web, for example, who

0:34:51.920 --> 0:34:54.520
<v Speaker 1>is a supermodel, one of the original supermodels, but then

0:34:54.560 --> 0:34:57.000
<v Speaker 1>there were also women in business we were like, and

0:34:57.040 --> 0:35:01.960
<v Speaker 1>then there was Jamila LaRue. She's like an editor, she's

0:35:01.960 --> 0:35:03.880
<v Speaker 1>been an editor at Ebony for a long time, and

0:35:04.600 --> 0:35:06.919
<v Speaker 1>so there were just all these amazing women who were there,

0:35:07.120 --> 0:35:10.640
<v Speaker 1>and I just think that I just want to give

0:35:10.680 --> 0:35:13.440
<v Speaker 1>a boost to that that in all of this darkness,

0:35:13.480 --> 0:35:17.520
<v Speaker 1>there's this bright brightness in brown girl awesomeness and black

0:35:17.520 --> 0:35:20.480
<v Speaker 1>girl awesomeness. And it was just nice to see, even

0:35:20.520 --> 0:35:22.160
<v Speaker 1>though I didn't like the whole fact that it was

0:35:22.160 --> 0:35:24.200
<v Speaker 1>a trend. Like I said, we've been out here, we've

0:35:24.239 --> 0:35:27.719
<v Speaker 1>been here, but finally y'all are starting to recognize. I

0:35:27.719 --> 0:35:29.400
<v Speaker 1>mean not y'all, because you know, y'all are brown ambition,

0:35:29.520 --> 0:35:33.280
<v Speaker 1>but y'all as in the world at large is starting

0:35:33.320 --> 0:35:43.920
<v Speaker 1>to recognize. All right, So that's brown, my brown booths,

0:35:43.920 --> 0:35:47.239
<v Speaker 1>black women and that Forbes articles sand the trend part

0:35:48.400 --> 0:35:49.400
<v Speaker 1>absolutely Monday.

0:35:49.600 --> 0:35:51.640
<v Speaker 2>So shall we move on to our question?

0:35:52.160 --> 0:35:55.120
<v Speaker 1>Yes, question, So you can come back now, Jamal, even

0:35:55.160 --> 0:35:56.719
<v Speaker 1>if that's not your name, that's your name now, so

0:35:56.760 --> 0:35:58.400
<v Speaker 1>you can come back now. We're gonna stalk.

0:36:00.760 --> 0:36:09.520
<v Speaker 2>He's like, it's Jeffrey, but thanks budget Tista.

0:36:10.760 --> 0:36:12.920
<v Speaker 1>Why He's like, you know what, I'm purposely calling you

0:36:12.960 --> 0:36:13.760
<v Speaker 1>that for now.

0:36:15.719 --> 0:36:17.200
<v Speaker 2>He wanted you to know that you as a fan,

0:36:17.760 --> 0:36:19.480
<v Speaker 2>but like not such a fan that you would get

0:36:19.520 --> 0:36:20.080
<v Speaker 2>your name right?

0:36:21.440 --> 0:36:26.360
<v Speaker 1>Why is like that? Oh my gosh, all right, so

0:36:26.800 --> 0:36:28.680
<v Speaker 1>question questions.

0:36:29.160 --> 0:36:32.120
<v Speaker 2>Yes, so today's question just comes. We'll just call her

0:36:32.239 --> 0:36:34.800
<v Speaker 2>g since I'm not sure if she wants to be

0:36:34.840 --> 0:36:38.680
<v Speaker 2>out there or not. She has a question about refinancing

0:36:38.760 --> 0:36:41.560
<v Speaker 2>her student loans. Oh, she just saysn't it's fine to

0:36:41.640 --> 0:36:43.600
<v Speaker 2>use my name, thank you. Her name is Grace. I

0:36:43.640 --> 0:36:47.120
<v Speaker 2>love that name me too, Grace a pretty name. Okay,

0:36:47.200 --> 0:36:51.920
<v Speaker 2>Gray says, I'm considering refinancing my student loans, federal student loans.

0:36:52.520 --> 0:36:56.560
<v Speaker 2>I have a little over thirty seven thousand dollars perfectly normal,

0:36:56.719 --> 0:36:59.880
<v Speaker 2>with an interest rate of six point eight percent and

0:37:00.360 --> 0:37:04.720
<v Speaker 2>over one hundred payments left. My question is, I'm worried

0:37:04.760 --> 0:37:08.759
<v Speaker 2>about the security of this public service student loan forgiveness

0:37:08.800 --> 0:37:12.239
<v Speaker 2>program and this potential seven to eight year window that

0:37:12.280 --> 0:37:14.360
<v Speaker 2>I have left. And just as a side note, if

0:37:14.400 --> 0:37:16.959
<v Speaker 2>you guys aren't familiar, if you have federal student debt

0:37:17.200 --> 0:37:21.680
<v Speaker 2>and you work for a nonprofit or a public organization

0:37:21.719 --> 0:37:26.280
<v Speaker 2>of government organization, basically, after making one hundred and twenty

0:37:26.320 --> 0:37:29.160
<v Speaker 2>on time payments for your federal student loans. You are

0:37:29.200 --> 0:37:33.000
<v Speaker 2>supposed to be eligible for public student loan forgiveness. And

0:37:33.080 --> 0:37:35.319
<v Speaker 2>I don't know if you guys caught this, but about

0:37:35.360 --> 0:37:37.439
<v Speaker 2>a month ago, I want to say, but maybe yeah,

0:37:37.560 --> 0:37:40.160
<v Speaker 2>April or March, there was this big story in the

0:37:40.160 --> 0:37:42.400
<v Speaker 2>New York Times. I don't think it got very much attention,

0:37:43.000 --> 0:37:46.680
<v Speaker 2>but basically, the public student loan forgiveness program came about

0:37:46.719 --> 0:37:47.680
<v Speaker 2>in two thousand and seven.

0:37:48.160 --> 0:37:48.799
<v Speaker 1>That was.

0:37:50.960 --> 0:37:54.160
<v Speaker 2>About ten years ago, and obviously one hundred and twenty

0:37:54.160 --> 0:37:57.760
<v Speaker 2>on time payments is ten years. So the first class

0:37:57.800 --> 0:38:00.520
<v Speaker 2>of people who were supposed to be eligible for this

0:38:00.640 --> 0:38:02.960
<v Speaker 2>public student loan forgiveness that they've been promised, you know,

0:38:03.000 --> 0:38:06.040
<v Speaker 2>for the past decade came forward. Obviously, they're starting to

0:38:06.040 --> 0:38:08.720
<v Speaker 2>come forward and be like, so how about that student

0:38:08.760 --> 0:38:10.920
<v Speaker 2>loan forgiveness? Can I get these loans taken care of?

0:38:11.560 --> 0:38:13.239
<v Speaker 2>And it turns out that a lot of them are

0:38:13.239 --> 0:38:17.799
<v Speaker 2>finding out that their jobs didn't qualify or this one

0:38:17.880 --> 0:38:21.040
<v Speaker 2>job did qualify, but then when you move jobs, they didn't.

0:38:21.120 --> 0:38:24.120
<v Speaker 2>And so they're finding out that it's not as you know, shockingly,

0:38:24.280 --> 0:38:26.319
<v Speaker 2>that it's not as that it's not as cut and

0:38:26.400 --> 0:38:29.560
<v Speaker 2>dry and easy to get that public student loan forgiveness

0:38:29.600 --> 0:38:32.280
<v Speaker 2>as it's they sort of make it seem and it's

0:38:32.560 --> 0:38:35.319
<v Speaker 2>kind of a complicated thing, and you have to make

0:38:35.360 --> 0:38:39.400
<v Speaker 2>sure that your employer is sending every year that your

0:38:39.440 --> 0:38:42.640
<v Speaker 2>employer still counts under the public student loan forgiveness program,

0:38:42.680 --> 0:38:45.960
<v Speaker 2>which you can figure out by calling your loan servicer

0:38:46.760 --> 0:38:50.280
<v Speaker 2>directly and discussing it. And you also have to reapply

0:38:50.400 --> 0:38:53.920
<v Speaker 2>I think every year get your I think you have

0:38:53.960 --> 0:38:57.120
<v Speaker 2>to be enrolled in the income driven Repayment plan. And

0:38:57.520 --> 0:39:00.880
<v Speaker 2>when you're enrolled in income driven Repayment Plan, you have

0:39:00.920 --> 0:39:02.719
<v Speaker 2>to call over or not call every year, but you

0:39:02.800 --> 0:39:07.680
<v Speaker 2>have to recertify your enrollment every year, which I think

0:39:08.000 --> 0:39:10.200
<v Speaker 2>mainly it means you go to the website and you

0:39:10.239 --> 0:39:13.560
<v Speaker 2>submit your income once again, and then they just sort

0:39:13.600 --> 0:39:16.759
<v Speaker 2>of say, okay, cool, you're still enrolled in this plan.

0:39:17.200 --> 0:39:18.600
<v Speaker 2>And you had to keep doing that for ten years.

0:39:18.600 --> 0:39:23.239
<v Speaker 2>So anyway, I had to give all that back that background,

0:39:23.600 --> 0:39:25.480
<v Speaker 2>I guess to sort of like set up the context

0:39:25.520 --> 0:39:28.600
<v Speaker 2>for what her question is. So she says, she has

0:39:28.640 --> 0:39:31.640
<v Speaker 2>one hundred and seven payments left, and now she's worried

0:39:31.640 --> 0:39:35.880
<v Speaker 2>about the security of this public student loan forgiveness program

0:39:36.120 --> 0:39:39.520
<v Speaker 2>because she still has about eight years left. She shows

0:39:39.520 --> 0:39:41.600
<v Speaker 2>that if I forgive my loans, I'll be able to

0:39:41.640 --> 0:39:46.240
<v Speaker 2>defer twelve thousand dollars of the total loan balance plus interest.

0:39:47.440 --> 0:39:49.879
<v Speaker 2>But if I were to refinance my loans, that would

0:39:49.920 --> 0:39:52.600
<v Speaker 2>save me six to ten thousand dollars over the lifetime

0:39:52.600 --> 0:39:55.400
<v Speaker 2>of the loan right now, So I'm wondering if it

0:39:55.440 --> 0:39:58.040
<v Speaker 2>isn't in my best interest to stick it out and

0:39:58.160 --> 0:40:01.160
<v Speaker 2>wait for the public service forgiveness and hope Congress doesn't

0:40:01.160 --> 0:40:04.719
<v Speaker 2>pull it, or should I just switch over now with

0:40:04.800 --> 0:40:07.880
<v Speaker 2>our current political climate, I have six month of income

0:40:07.960 --> 0:40:10.200
<v Speaker 2>saved for a rainy day, so I'm less concerned about

0:40:10.200 --> 0:40:13.560
<v Speaker 2>the benefits of deferment and more concerned about overall payments

0:40:13.920 --> 0:40:15.600
<v Speaker 2>towards the loans.

0:40:16.320 --> 0:40:18.840
<v Speaker 1>Does she say how much? How much would be forgiven

0:40:19.080 --> 0:40:19.760
<v Speaker 1>at the end.

0:40:19.800 --> 0:40:23.440
<v Speaker 2>So yes, so her she's looked at her schedule and

0:40:23.480 --> 0:40:26.480
<v Speaker 2>it says that if she were to have if she

0:40:26.520 --> 0:40:29.960
<v Speaker 2>were to wait and stick, keep making her payments and

0:40:30.000 --> 0:40:32.120
<v Speaker 2>then wait for the next seven eight years to go

0:40:32.160 --> 0:40:34.440
<v Speaker 2>buy and get the rest of her debt forgiven, she

0:40:34.440 --> 0:40:38.240
<v Speaker 2>would save twelve thousand dollars, and that includes the leftover

0:40:38.280 --> 0:40:41.840
<v Speaker 2>balance plus interest. So she stands to save twelve thousand

0:40:41.840 --> 0:40:45.120
<v Speaker 2>dollars potentially if this public student loan forgiveness program goes

0:40:45.160 --> 0:40:48.800
<v Speaker 2>perfectly for her, if she refinances and gets a lower

0:40:49.200 --> 0:40:51.360
<v Speaker 2>interest rate. Remember her interest rate on this three seven

0:40:51.440 --> 0:40:54.640
<v Speaker 2>thousand dollars loan is six point eight percent, which is

0:40:54.719 --> 0:40:57.880
<v Speaker 2>quite high. Yeah, so if she were to refinance, she'd

0:40:57.880 --> 0:41:01.680
<v Speaker 2>be saving between six and ten thousand dollars over the lifetime.

0:41:01.280 --> 0:41:02.760
<v Speaker 1>Of the loan. Okay.

0:41:03.239 --> 0:41:08.520
<v Speaker 2>And this is actually it's an interesting question because my Enrique,

0:41:08.640 --> 0:41:11.640
<v Speaker 2>my husband, is going through the exact same thing, that

0:41:11.719 --> 0:41:15.640
<v Speaker 2>same conundrum, because he's got he's got about twenty thousand dollars.

0:41:15.680 --> 0:41:18.120
<v Speaker 2>He's in a bit better shape because only one of

0:41:18.120 --> 0:41:20.960
<v Speaker 2>his loans is at six percent, but he's got about

0:41:21.000 --> 0:41:23.600
<v Speaker 2>twenty thousand dollars. And we just asked our planner. We

0:41:23.719 --> 0:41:25.920
<v Speaker 2>keep going back and forth. We just asked her finally,

0:41:25.960 --> 0:41:27.520
<v Speaker 2>you know, is it a good idea, like should we

0:41:27.560 --> 0:41:30.640
<v Speaker 2>count on this public student loan forgiveness or should we

0:41:30.719 --> 0:41:32.799
<v Speaker 2>just go ahead and aggressively pay it down and just

0:41:32.800 --> 0:41:36.800
<v Speaker 2>get rid of it? And I think she's done the

0:41:36.840 --> 0:41:39.920
<v Speaker 2>right thing by actually doing the math first. And I'm

0:41:39.960 --> 0:41:42.879
<v Speaker 2>gonna I mean, it's really up to you. It's sort

0:41:42.880 --> 0:41:45.959
<v Speaker 2>of I would say, I'll tell you what our planner says. Okay,

0:41:45.960 --> 0:41:48.600
<v Speaker 2>she's a certify financial planner. I'm putting you on the spot. Helen.

0:41:49.000 --> 0:41:52.720
<v Speaker 2>She said, I would not count on this government program

0:41:52.760 --> 0:41:55.040
<v Speaker 2>being there seven to eight years down the line. I

0:41:55.040 --> 0:41:58.400
<v Speaker 2>would not put I would not bet on it. Anything

0:41:58.440 --> 0:42:00.960
<v Speaker 2>can happen. And this was an O the error policy.

0:42:01.040 --> 0:42:03.279
<v Speaker 2>Anything happened to this program.

0:42:03.200 --> 0:42:07.640
<v Speaker 1>Because there's a program like this before Obama reinstated it,

0:42:07.840 --> 0:42:10.040
<v Speaker 1>and I applied for it when I was still teaching

0:42:10.080 --> 0:42:15.520
<v Speaker 1>preschool and President Bush had dismantled it. So when I

0:42:15.560 --> 0:42:17.120
<v Speaker 1>went to go apply, they're like, oh, yeah, under this

0:42:17.120 --> 0:42:21.160
<v Speaker 1>president's no longer. So that's very real because I remember

0:42:21.520 --> 0:42:23.960
<v Speaker 1>being a teacher. This is before you know, it's over

0:42:24.000 --> 0:42:25.919
<v Speaker 1>ten years ago, and I remember trying apply for because

0:42:25.920 --> 0:42:27.840
<v Speaker 1>I'm like, oh, I'm a teacher. I teach in Newark.

0:42:27.920 --> 0:42:31.040
<v Speaker 1>I totally qualify and it's not only my teacher, but

0:42:31.040 --> 0:42:33.879
<v Speaker 1>it's also a nonprofit double whammy. And they were like, yeah,

0:42:34.000 --> 0:42:37.719
<v Speaker 1>unfortunately this program is no longer in existence. I'm like, wait, what,

0:42:38.680 --> 0:42:41.680
<v Speaker 1>So that's a very real fear so question. So the

0:42:42.120 --> 0:42:45.960
<v Speaker 1>she refinancing with the federal government or with a private

0:42:45.960 --> 0:42:46.840
<v Speaker 1>student loan company.

0:42:47.000 --> 0:42:49.080
<v Speaker 2>So when you have federal student loan debt, you actually

0:42:49.120 --> 0:42:51.480
<v Speaker 2>can't refinance it. You have to do a debt consolidation.

0:42:52.280 --> 0:42:54.640
<v Speaker 2>And it's actually not a good option for her because

0:42:54.680 --> 0:42:57.719
<v Speaker 2>all that happens when you consolidate your debt through the

0:42:57.760 --> 0:43:01.040
<v Speaker 2>direct loan program the federal program is that they take

0:43:01.040 --> 0:43:03.840
<v Speaker 2>the average of your interest rates. So it sounds like

0:43:03.880 --> 0:43:06.359
<v Speaker 2>all her loans are six point eight percent. So she's

0:43:06.400 --> 0:43:09.800
<v Speaker 2>not gonna save anything. So her question, her second question

0:43:10.239 --> 0:43:13.320
<v Speaker 2>is if I do refinance, how do I pick a

0:43:13.760 --> 0:43:16.680
<v Speaker 2>refinancing option. So this is where these new lenders, these

0:43:16.719 --> 0:43:21.480
<v Speaker 2>new alternative refile lenders come in, Like so far common bond,

0:43:21.480 --> 0:43:25.560
<v Speaker 2>this is what they're doing. They're taking people's student debt

0:43:25.640 --> 0:43:29.640
<v Speaker 2>private and federal and bundling it into one loan and

0:43:29.680 --> 0:43:32.680
<v Speaker 2>then they give you a reduced interest rate and that's

0:43:32.719 --> 0:43:35.680
<v Speaker 2>how you save. And of course, the pros and cons

0:43:35.719 --> 0:43:38.760
<v Speaker 2>of refinancing student loan debt, which we've talked about before,

0:43:38.800 --> 0:43:42.239
<v Speaker 2>but just real quick, the pros Obviously, you save money

0:43:42.239 --> 0:43:44.480
<v Speaker 2>on interest because it's awesome and it can help you

0:43:44.600 --> 0:43:47.440
<v Speaker 2>get better organized, like if you go to school, if

0:43:47.480 --> 0:43:49.200
<v Speaker 2>you go to college for four years, you have a

0:43:49.239 --> 0:43:51.960
<v Speaker 2>loan every semester. That's like eight loans when you graduate,

0:43:52.600 --> 0:43:54.560
<v Speaker 2>and people may and it's hard to keep track, and

0:43:54.600 --> 0:43:57.040
<v Speaker 2>so it's easy if you just refinance everything into one

0:43:57.200 --> 0:44:00.440
<v Speaker 2>individual loan at a lower rate than obviously it just

0:44:00.480 --> 0:44:03.480
<v Speaker 2>makes things easier to manage. But when you do that,

0:44:03.560 --> 0:44:06.680
<v Speaker 2>you have to understand, especially if it's federal loan. If

0:44:06.680 --> 0:44:09.040
<v Speaker 2>it's a federal student loan, then you're going to give

0:44:09.160 --> 0:44:13.279
<v Speaker 2>up your flexible repayment options because you're swapping out your

0:44:13.280 --> 0:44:17.240
<v Speaker 2>federal student loan for a private loan. These companies are private,

0:44:18.400 --> 0:44:21.840
<v Speaker 2>and that's just something to consider too. So if you

0:44:21.920 --> 0:44:25.120
<v Speaker 2>feel like you are struggling to make payments as it is,

0:44:27.200 --> 0:44:28.920
<v Speaker 2>you just have to think about it. There won't be

0:44:28.960 --> 0:44:32.080
<v Speaker 2>a safety net necessarily, there's no you know, private lenders

0:44:32.080 --> 0:44:36.279
<v Speaker 2>don't have forbearans or deferment. You know, they may, but

0:44:36.360 --> 0:44:38.440
<v Speaker 2>it's at their own discretion. It's not like the government

0:44:38.480 --> 0:44:44.560
<v Speaker 2>where it's set in stone. But so my planner basically said,

0:44:44.600 --> 0:44:46.399
<v Speaker 2>don't count on it, just go ahead and pay it off.

0:44:46.400 --> 0:44:50.800
<v Speaker 2>And that's my personal thing. I like the active approach

0:44:50.840 --> 0:44:53.319
<v Speaker 2>to paying down debt. I don't feel like and it

0:44:53.360 --> 0:44:55.920
<v Speaker 2>also just kind of feels like we're relying on like

0:44:55.960 --> 0:44:57.879
<v Speaker 2>we're in a position where we can pay it down.

0:44:57.920 --> 0:45:00.560
<v Speaker 2>You know, it's not like we're really struggle, Like we

0:45:00.640 --> 0:45:02.920
<v Speaker 2>can afford to put extra payments on it. So I'm like,

0:45:02.960 --> 0:45:04.839
<v Speaker 2>why not just do it? You know, we took out,

0:45:05.200 --> 0:45:07.839
<v Speaker 2>you took out the debt. You know, you got the

0:45:07.880 --> 0:45:10.320
<v Speaker 2>services that you needed the debt for, you got your education.

0:45:10.719 --> 0:45:13.719
<v Speaker 2>Let's just pay it down because we can. And it

0:45:13.760 --> 0:45:17.719
<v Speaker 2>sounds like Grace isn't a good situation too financially. She's

0:45:18.239 --> 0:45:21.280
<v Speaker 2>got six months and then come safe for a rainy day.

0:45:21.440 --> 0:45:23.360
<v Speaker 2>It sounds like she maybe could afford to be putting

0:45:23.360 --> 0:45:26.600
<v Speaker 2>a little bit more towards her debt and paying it down.

0:45:27.160 --> 0:45:30.279
<v Speaker 2>So I could see how she maybe would, you know,

0:45:30.360 --> 0:45:33.000
<v Speaker 2>take a similar approach and maybe not count on this

0:45:33.080 --> 0:45:36.000
<v Speaker 2>program being around and just kind of pay things free

0:45:36.040 --> 0:45:37.879
<v Speaker 2>finance to get a lower rate and then just sort

0:45:37.880 --> 0:45:41.759
<v Speaker 2>of attack her debt a little bit more aggressively.

0:45:43.120 --> 0:45:48.359
<v Speaker 1>Yeah, I mean, yeah, I mean I agree honestly, because

0:45:48.360 --> 0:45:52.000
<v Speaker 1>you know, just because seeing how a program like this

0:45:52.520 --> 0:45:55.840
<v Speaker 1>can be here and then not here, it's definitely you

0:45:55.840 --> 0:45:57.359
<v Speaker 1>don't want to I mean, it's a long time. If

0:45:57.440 --> 0:45:59.520
<v Speaker 1>you told me six months or something, I might be like, oh,

0:45:59.560 --> 0:46:02.000
<v Speaker 1>you know, but like seven to eight years, I mean,

0:46:02.040 --> 0:46:07.480
<v Speaker 1>who knows we can have armageddon? Then we've already had

0:46:07.520 --> 0:46:10.600
<v Speaker 1>them again and it's called the elections. That I'm done, Chang,

0:46:10.760 --> 0:46:13.359
<v Speaker 1>I'll be here all night. But yeah, now I.

0:46:13.280 --> 0:46:16.560
<v Speaker 2>Agree, And I can post if you guys are out

0:46:16.560 --> 0:46:18.960
<v Speaker 2>there and you're wondering what some great student loan refi

0:46:19.040 --> 0:46:22.799
<v Speaker 2>options are, we have amazing resources. I can post some

0:46:22.840 --> 0:46:26.360
<v Speaker 2>links to if you go to our website Brand Ambition podcast.

0:46:26.400 --> 0:46:29.040
<v Speaker 2>Every episode on the website, sometimes I'll post some links

0:46:29.080 --> 0:46:30.719
<v Speaker 2>to to stuff we talk about, so I can post

0:46:30.719 --> 0:46:34.399
<v Speaker 2>a couple of helpful articles and her her very last

0:46:34.480 --> 0:46:37.960
<v Speaker 2>question was how do I decide between a fixed or

0:46:38.120 --> 0:46:44.080
<v Speaker 2>variable rate loan when I'm going to refinance? So typically

0:46:44.640 --> 0:46:48.120
<v Speaker 2>variable rate loans have a lower rate, right, Yeah, they're

0:46:48.120 --> 0:46:50.319
<v Speaker 2>a little bit You really need to read the fine

0:46:50.360 --> 0:46:53.319
<v Speaker 2>print when it comes to variable rates because variable it

0:46:53.360 --> 0:46:58.319
<v Speaker 2>means it can change, and they could they could say

0:46:58.320 --> 0:46:59.919
<v Speaker 2>it's going to be you know, one point two percent

0:47:00.120 --> 0:47:01.520
<v Speaker 2>for the first six months, and then we're going to

0:47:01.600 --> 0:47:05.560
<v Speaker 2>start jacking up every six months after that, yep, And

0:47:06.040 --> 0:47:07.719
<v Speaker 2>you just have to sort of read the fine print

0:47:07.840 --> 0:47:10.600
<v Speaker 2>and see if you're really going to be saving fixed rates.

0:47:10.680 --> 0:47:12.320
<v Speaker 2>You have the comfort of knowing that you're going to

0:47:12.400 --> 0:47:15.560
<v Speaker 2>lock it in and they can't change it around on you.

0:47:17.120 --> 0:47:20.200
<v Speaker 1>Yeah, and that's I was gonna say, Like variable It

0:47:20.280 --> 0:47:22.800
<v Speaker 1>sounds great at first because you're like, ooh, so low,

0:47:23.400 --> 0:47:26.440
<v Speaker 1>but then you know if it's like usually typically a

0:47:26.520 --> 0:47:28.919
<v Speaker 1>variable will be like variable for a year, five years

0:47:29.000 --> 0:47:31.480
<v Speaker 1>or whatever, and then it could be whatever, and that's

0:47:31.480 --> 0:47:34.640
<v Speaker 1>the scary part. I prefer fixed. I remember my first

0:47:34.640 --> 0:47:38.440
<v Speaker 1>mortgage was it was one of those. It was like

0:47:38.480 --> 0:47:41.080
<v Speaker 1>it started off as fixed and then it could be

0:47:41.160 --> 0:47:44.959
<v Speaker 1>variable like five years later, and you know, I lost

0:47:44.960 --> 0:47:47.000
<v Speaker 1>the house before it got to that. But I was like, yeah,

0:47:47.040 --> 0:47:48.840
<v Speaker 1>we're never going to do that again because it was

0:47:48.840 --> 0:47:50.319
<v Speaker 1>a little bit scary because I didn't even know if

0:47:50.360 --> 0:47:51.640
<v Speaker 1>I was going to be able to afford it later.

0:47:52.080 --> 0:47:55.879
<v Speaker 1>And so I typically leaned toward fixed unless it's something

0:47:55.960 --> 0:47:57.960
<v Speaker 1>that I know I'm going to be out of before

0:47:58.160 --> 0:48:00.919
<v Speaker 1>that that rate change is going to go to a back. Yeah.

0:48:00.960 --> 0:48:02.719
<v Speaker 2>I was just going to say that if you if

0:48:02.719 --> 0:48:04.640
<v Speaker 2>you look at the variable rate terms and you're like,

0:48:04.680 --> 0:48:06.680
<v Speaker 2>I can pay that down in three years, then yeah,

0:48:06.800 --> 0:48:08.719
<v Speaker 2>do it, because you know they tell you that it's

0:48:08.760 --> 0:48:10.360
<v Speaker 2>going to be a certain rate for three years and

0:48:10.440 --> 0:48:12.719
<v Speaker 2>it'll get jacked up after that. Then if you're sure

0:48:12.760 --> 0:48:14.759
<v Speaker 2>you can do it in three years, definitely, But if

0:48:14.880 --> 0:48:17.440
<v Speaker 2>especially for you know, you have thirty seven thousand dollars

0:48:17.440 --> 0:48:19.719
<v Speaker 2>in debt, I don't know if you'll be able to

0:48:19.719 --> 0:48:22.560
<v Speaker 2>do that and you know before those variable rates start

0:48:22.600 --> 0:48:25.799
<v Speaker 2>to change, So it might be smarter to go with

0:48:26.600 --> 0:48:28.960
<v Speaker 2>the fix just to lock it in. And I think

0:48:28.960 --> 0:48:31.840
<v Speaker 2>it's usually with so FI because I'm most familiar with

0:48:31.880 --> 0:48:34.960
<v Speaker 2>so FI and their their REFI their student loan refis.

0:48:35.040 --> 0:48:38.520
<v Speaker 2>I think that the difference between the fix and the variables,

0:48:38.520 --> 0:48:45.640
<v Speaker 2>like a percentage or two, not super terribly different. Yeah,

0:48:46.000 --> 0:48:47.040
<v Speaker 2>hopefully that was helpful.

0:48:47.080 --> 0:48:49.000
<v Speaker 1>I hope yes, I was gonna say it.

0:48:48.960 --> 0:48:51.239
<v Speaker 2>Wasn't super I hope it wasn't really confusing. But it

0:48:51.320 --> 0:48:54.480
<v Speaker 2>was an excellent question. And if you guys have any

0:48:54.520 --> 0:48:58.040
<v Speaker 2>more questions public student loan forgiveness that that New York

0:48:58.040 --> 0:49:00.920
<v Speaker 2>Times article had me shocked because out I thinking, for

0:49:00.960 --> 0:49:03.279
<v Speaker 2>the past how many years have I been writing like

0:49:03.400 --> 0:49:06.359
<v Speaker 2>six my entire career as a personal finance reporter and editor,

0:49:06.360 --> 0:49:09.359
<v Speaker 2>I've been talking about this public student loan forgiveness program.

0:49:09.560 --> 0:49:12.000
<v Speaker 2>And there's this now there's this huge question mark over it.

0:49:13.080 --> 0:49:15.880
<v Speaker 2>And I'm interested if any of our listeners have had issues,

0:49:15.960 --> 0:49:17.920
<v Speaker 2>If you're part of the class of two thousand and

0:49:17.960 --> 0:49:20.880
<v Speaker 2>seven and you're coming forward to try and get your

0:49:20.960 --> 0:49:24.160
<v Speaker 2>loans forgiven. If you're having issues, definitely send us an email.

0:49:24.280 --> 0:49:27.400
<v Speaker 2>It's Brown Vision Podcast at gmail dot.

0:49:27.160 --> 0:49:29.880
<v Speaker 1>Com dot com.

0:49:30.200 --> 0:49:31.200
<v Speaker 2>You are on it tonight.

0:49:31.600 --> 0:49:32.239
<v Speaker 1>I I am.

0:49:32.680 --> 0:49:33.280
<v Speaker 2>She's back.

0:49:43.040 --> 0:49:44.560
<v Speaker 1>Do you want to take another question or do you

0:49:44.600 --> 0:49:45.920
<v Speaker 1>want to wrap it up with wins?

0:49:46.160 --> 0:49:47.520
<v Speaker 2>Let's wrap it up with some wins.

0:49:47.880 --> 0:49:51.560
<v Speaker 1>All right, I gotta win. I gotta win. Let's hear so,

0:49:51.840 --> 0:49:53.640
<v Speaker 1>I've got to win. We talked about this a little

0:49:53.640 --> 0:49:56.319
<v Speaker 1>bit earlier, but I want to give a shout out

0:49:56.320 --> 0:49:58.239
<v Speaker 1>and I'll win to let me get their names right.

0:49:58.320 --> 0:50:02.319
<v Speaker 1>Let's see if my Nigerian ancestry will allow me to

0:50:02.440 --> 0:50:04.839
<v Speaker 1>keep my Nigerian car by getting their names right. So

0:50:05.160 --> 0:50:10.640
<v Speaker 1>two Nigerian sisters created sunscreen for black skin. Let that

0:50:10.760 --> 0:50:14.799
<v Speaker 1>sink in no pun intended. I'll be here all night.

0:50:15.239 --> 0:50:18.239
<v Speaker 2>So so.

0:50:19.640 --> 0:50:22.080
<v Speaker 1>Nigerian girls, Oh, look, they look like I think they're Ebo,

0:50:22.200 --> 0:50:25.880
<v Speaker 1>which is what I am. Chi Nello Chi Dosi and

0:50:26.080 --> 0:50:31.280
<v Speaker 1>ndd Obidoa. Hey, Yes, Okay, So these two Nigerian sisters,

0:50:32.000 --> 0:50:35.840
<v Speaker 1>they wanted to create one. What I love is that

0:50:35.880 --> 0:50:38.560
<v Speaker 1>they wanted to. We spoke about Avida and her her

0:50:38.600 --> 0:50:44.440
<v Speaker 1>lipstick last podcast, and I just love when folks create

0:50:44.520 --> 0:50:48.320
<v Speaker 1>things that know not only create a profit for themselves,

0:50:48.320 --> 0:50:51.120
<v Speaker 1>but there's a purpose behind it. So one they wanted

0:50:51.120 --> 0:50:53.280
<v Speaker 1>to They wanted to create, you know, this awesome product

0:50:53.320 --> 0:50:56.040
<v Speaker 1>for women of color, for brown girls like us, but

0:50:56.160 --> 0:51:00.600
<v Speaker 1>also they wanted to support communities that produce shae nuts,

0:51:01.160 --> 0:51:02.960
<v Speaker 1>which is what they use in their products, and in

0:51:03.640 --> 0:51:08.320
<v Speaker 1>Burkina Fossil, which is a very very very poor country

0:51:08.400 --> 0:51:13.680
<v Speaker 1>in West Africa. And so here's how it goes. Let's see.

0:51:13.719 --> 0:51:16.480
<v Speaker 2>So yeah, for the listeners who don't know, why would

0:51:16.560 --> 0:51:20.080
<v Speaker 2>people why would African American women need their not just women,

0:51:20.080 --> 0:51:22.840
<v Speaker 2>but like why do black people need their own sunscreen? Like?

0:51:22.880 --> 0:51:25.919
<v Speaker 2>What is it about regular sunscreen that may not work?

0:51:26.640 --> 0:51:30.120
<v Speaker 1>So they said that they were getting complaints from customers

0:51:30.160 --> 0:51:34.600
<v Speaker 1>about hyper pigmentation, which is the discoloration of darker skin

0:51:34.719 --> 0:51:37.520
<v Speaker 1>due to sun exposure. So I get this, I mean

0:51:37.719 --> 0:51:39.960
<v Speaker 1>a lot of us get it. Sometimes you'll get hyperpigmentation

0:51:40.200 --> 0:51:44.439
<v Speaker 1>because of acne basically where our scars are darker. Right,

0:51:44.680 --> 0:51:47.279
<v Speaker 1>So if I get a pimple and I don't treat

0:51:47.320 --> 0:51:49.040
<v Speaker 1>it right, I can get this like dark spot that

0:51:49.080 --> 0:51:52.359
<v Speaker 1>will last forever, it seems like so. But also too,

0:51:52.400 --> 0:51:54.719
<v Speaker 1>I used to play tennis and I was always out

0:51:54.719 --> 0:51:56.160
<v Speaker 1>in the sun, and I found that I was also

0:51:56.239 --> 0:51:59.680
<v Speaker 1>getting dark patches, so hyper pigmentation due to sun exposure.

0:51:59.719 --> 0:52:03.360
<v Speaker 1>So they said, well, you know, what can we do

0:52:03.440 --> 0:52:05.080
<v Speaker 1>about it? And there's a quote here a lot of

0:52:05.080 --> 0:52:07.600
<v Speaker 1>black people don't wear sunblock because they don't see the

0:52:07.680 --> 0:52:11.280
<v Speaker 1>damage immediately. There was an issue with education around sunscreen

0:52:11.320 --> 0:52:15.520
<v Speaker 1>and black community. So true. And even though skin cancer

0:52:15.520 --> 0:52:18.960
<v Speaker 1>doesn't affect people of color as much as it affects

0:52:19.040 --> 0:52:22.319
<v Speaker 1>other people, it makes it even more dangerous because it's

0:52:22.360 --> 0:52:25.360
<v Speaker 1>often not caught until then it's vanced stage, which I

0:52:25.480 --> 0:52:29.400
<v Speaker 1>you know, which is totally true. Also too, she found

0:52:29.400 --> 0:52:32.319
<v Speaker 1>that when you know, you put on some black we've

0:52:32.320 --> 0:52:35.560
<v Speaker 1>all had this, if you've got brown skin, that it

0:52:35.600 --> 0:52:37.440
<v Speaker 1>was just like you know, at leads, like that white

0:52:38.480 --> 0:52:41.120
<v Speaker 1>mask you know, like on your skin, So it looks

0:52:41.160 --> 0:52:43.879
<v Speaker 1>kind of weird. So the sunblock that they developed, it's

0:52:43.920 --> 0:52:47.400
<v Speaker 1>more like a moisturizer than a sunscreen. It's cream colored

0:52:47.440 --> 0:52:49.560
<v Speaker 1>it's like a serum and it dries clear on your

0:52:49.560 --> 0:52:53.720
<v Speaker 1>skin instead of that white like film that most sunscreens leave. Honestly,

0:52:54.120 --> 0:52:55.680
<v Speaker 1>it's a lot of reasons why it was hard for

0:52:55.680 --> 0:52:58.280
<v Speaker 1>me to find a sunscreen because I'm like, because sunscreen

0:52:58.360 --> 0:53:01.000
<v Speaker 1>lads so thick on my skin and it left me

0:53:01.120 --> 0:53:05.680
<v Speaker 1>look looking like a ashy. Yeah, it was really weird.

0:53:06.160 --> 0:53:08.359
<v Speaker 1>And so I'm just really excited about it because one

0:53:08.560 --> 0:53:10.719
<v Speaker 1>the packaging looks amazing.

0:53:10.840 --> 0:53:11.719
<v Speaker 2>Wait what's it called?

0:53:12.120 --> 0:53:16.239
<v Speaker 1>Yeah, Bolden b O L D E N Bolden. It's

0:53:16.280 --> 0:53:19.839
<v Speaker 1>made with one hundred percent actual shade oil and vitamin E.

0:53:20.600 --> 0:53:24.040
<v Speaker 1>It looks like they've got a butter mint, oh, a

0:53:24.040 --> 0:53:28.719
<v Speaker 1>sweet vanilla and unscented it just honestly, it's looking a

0:53:28.719 --> 0:53:31.759
<v Speaker 1>little awesome. So I definitely want to try this product.

0:53:32.440 --> 0:53:37.120
<v Speaker 1>And so yeah, so Bolden by Chinello Chi Doosi and

0:53:37.200 --> 0:53:41.040
<v Speaker 1>indidi Obidoa. And I'm just really excited because I would

0:53:41.080 --> 0:53:44.239
<v Speaker 1>have never thought, like, how genius is that? Hey, sunscreen

0:53:44.760 --> 0:53:48.360
<v Speaker 1>for women of color? Oh like, because you know, you

0:53:48.360 --> 0:53:51.880
<v Speaker 1>don't think of sunscreen and us together, but you should.

0:53:52.080 --> 0:53:54.040
<v Speaker 1>And you know, as I've gotten older, like one of

0:53:54.040 --> 0:53:58.160
<v Speaker 1>my one of my friends, her name is Felicia. She's

0:53:58.200 --> 0:54:02.720
<v Speaker 1>got a brand called This That Beauty, and she really

0:54:02.800 --> 0:54:05.640
<v Speaker 1>talks about why women of color really need to be

0:54:05.719 --> 0:54:07.879
<v Speaker 1>using sunscreen, because you know, we think that we don't,

0:54:07.920 --> 0:54:11.239
<v Speaker 1>but that's just do we have a natural melanin is

0:54:11.280 --> 0:54:15.080
<v Speaker 1>a natural defense against the sun's damaged certainly, but it

0:54:15.120 --> 0:54:17.560
<v Speaker 1>is not the cure all for all things sun, you know,

0:54:18.040 --> 0:54:20.440
<v Speaker 1>and so like just to see like these women like

0:54:20.480 --> 0:54:23.240
<v Speaker 1>this is really innovative and the fact that this sunscreen

0:54:23.280 --> 0:54:26.359
<v Speaker 1>not only just addresses you know, sun, protecting you from

0:54:26.760 --> 0:54:30.480
<v Speaker 1>some of the sun's damaging rays, but also addressing hyperpigmentation

0:54:31.160 --> 0:54:33.520
<v Speaker 1>and just moisturizing you so you don't look ashy in

0:54:33.560 --> 0:54:37.520
<v Speaker 1>these streets, in these beaches. So go get you some Bolden.

0:54:37.960 --> 0:54:39.400
<v Speaker 1>I think this is awesome.

0:54:40.239 --> 0:54:44.000
<v Speaker 2>Awesome Bolden mm hm Bolden? Is it BOLDENUSA dot com?

0:54:44.040 --> 0:54:44.600
<v Speaker 2>Is that their sight?

0:54:45.960 --> 0:54:47.640
<v Speaker 1>Mom? I'm like, is it out yet?

0:54:47.760 --> 0:54:49.960
<v Speaker 2>I feel like I don't see it on their website,

0:54:49.960 --> 0:54:55.000
<v Speaker 2>but this looks like them too, Nigerian women Bolden Boldusa

0:54:55.080 --> 0:54:55.720
<v Speaker 2>dot com.

0:54:55.880 --> 0:54:58.000
<v Speaker 1>Okay, yes it is yep, BOLDINGUSA dot Com.

0:54:58.040 --> 0:55:00.080
<v Speaker 2>Yep. Cool. That's a good one.

0:55:00.360 --> 0:55:02.040
<v Speaker 1>Yeah, it was a good one. No win win for

0:55:02.120 --> 0:55:03.560
<v Speaker 1>the Nigerian street.

0:55:05.880 --> 0:55:07.759
<v Speaker 2>So I'm gonna do my win this week. I'm gonna

0:55:07.760 --> 0:55:10.440
<v Speaker 2>give good Win. I think he was my win the

0:55:10.520 --> 0:55:14.279
<v Speaker 2>first like few episodes of the podcast, because that was

0:55:14.320 --> 0:55:18.680
<v Speaker 2>what Master of None hit the Netflix airwaves in twenty fifteen,

0:55:18.760 --> 0:55:21.640
<v Speaker 2>and they are back with their new season. It just

0:55:21.719 --> 0:55:23.919
<v Speaker 2>got released on the weekend, and you know, I watched

0:55:23.960 --> 0:55:27.640
<v Speaker 2>the entire thing on that rainy Saturday at home. But

0:55:27.920 --> 0:55:29.840
<v Speaker 2>this is a Zezonzori show, if you guys don't know,

0:55:29.960 --> 0:55:32.719
<v Speaker 2>called Master of None, and it's on Netflix, and it

0:55:32.800 --> 0:55:37.360
<v Speaker 2>is just I can't I can't exp mean. I feel like,

0:55:37.400 --> 0:55:40.200
<v Speaker 2>if you are a person of color and you live

0:55:40.239 --> 0:55:43.200
<v Speaker 2>in New York or anywhere, really like you watch this show.

0:55:43.320 --> 0:55:47.120
<v Speaker 2>It is so different and it is so good, and

0:55:47.160 --> 0:55:50.480
<v Speaker 2>it's so clearly written by writers who know what it

0:55:50.600 --> 0:55:55.120
<v Speaker 2>is like to be you know, knows what the experience

0:55:55.239 --> 0:55:57.799
<v Speaker 2>is like to be a person of color. And not

0:55:57.840 --> 0:55:59.360
<v Speaker 2>only that they know what it's like to be a

0:55:59.360 --> 0:56:02.760
<v Speaker 2>person of color, but that they actual high they actually

0:56:02.840 --> 0:56:07.040
<v Speaker 2>hire writers who are like the characters that they're writing.

0:56:07.520 --> 0:56:11.359
<v Speaker 2>They hire such a diverse cast and the storytelling is

0:56:11.440 --> 0:56:14.920
<v Speaker 2>so good. You know, I don't know if if you

0:56:15.040 --> 0:56:18.160
<v Speaker 2>haven't watched the new season yet, have you Master of None.

0:56:18.800 --> 0:56:22.080
<v Speaker 2>So Aziz Ansari plays like this. He plays like a

0:56:22.120 --> 0:56:24.880
<v Speaker 2>struggling actor in New York. Not he's like a funny

0:56:25.040 --> 0:56:27.560
<v Speaker 2>struggling actor. He was like famous for doing a gogurt

0:56:27.560 --> 0:56:31.520
<v Speaker 2>commercial and and anyway, but he's kind of like floundering

0:56:31.640 --> 0:56:33.319
<v Speaker 2>dating in New York. It's not working out for him.

0:56:33.320 --> 0:56:35.560
<v Speaker 2>And he has this like really interesting cast of friends,

0:56:35.960 --> 0:56:38.239
<v Speaker 2>not cast, but like the types of friends that like

0:56:38.840 --> 0:56:41.520
<v Speaker 2>you like have in real life. Like he has one

0:56:41.560 --> 0:56:44.040
<v Speaker 2>of his best friends since childhood is this like super

0:56:44.080 --> 0:56:49.920
<v Speaker 2>tall lesbian woman, and then he has his Indian American friends,

0:56:50.480 --> 0:56:52.799
<v Speaker 2>and his family comes on the show a lot, and

0:56:52.840 --> 0:56:56.279
<v Speaker 2>so he talks about like the immigrant experience. And then

0:56:56.360 --> 0:56:59.640
<v Speaker 2>he does an entire episode around what it was like

0:56:59.680 --> 0:57:03.279
<v Speaker 2>for his is black female lesbian best friend to come

0:57:03.280 --> 0:57:05.759
<v Speaker 2>out to her mother. There was just, I mean a

0:57:05.800 --> 0:57:09.239
<v Speaker 2>whole half hour episode dedicated to and it was a

0:57:09.280 --> 0:57:12.719
<v Speaker 2>beautiful episode, like with where Angela Bassett played her mother.

0:57:12.800 --> 0:57:15.759
<v Speaker 2>Oh and they got the mom from sister sister to

0:57:15.880 --> 0:57:21.120
<v Speaker 2>play an I forgot her name so when I saw her,

0:57:21.120 --> 0:57:21.560
<v Speaker 2>I screamed.

0:57:21.600 --> 0:57:22.360
<v Speaker 1>I was like, oh my god.

0:57:23.240 --> 0:57:25.680
<v Speaker 2>Anyways, but he did a whole episode about his friend

0:57:25.760 --> 0:57:28.520
<v Speaker 2>Denise and how she came out to her mother, you know,

0:57:28.880 --> 0:57:31.320
<v Speaker 2>during Thanksgiving, and then it tells like the evolution of

0:57:31.360 --> 0:57:34.200
<v Speaker 2>their relationship and it's just it's not like any other

0:57:34.240 --> 0:57:37.160
<v Speaker 2>show out there, and it's just so nice. It's just

0:57:37.160 --> 0:57:39.120
<v Speaker 2>I don't know, it's just refreshing and it's smart and

0:57:39.160 --> 0:57:41.959
<v Speaker 2>it's funny as hell. And shout out to his ease

0:57:42.640 --> 0:57:46.480
<v Speaker 2>and his staff of writers. And this season he even

0:57:46.520 --> 0:57:51.320
<v Speaker 2>has an episode where he features uh a deaf couple

0:57:51.720 --> 0:57:54.160
<v Speaker 2>or no, the woman is deaf and the guy they speak.

0:57:54.200 --> 0:57:56.720
<v Speaker 2>The whole episode is like whenever they're in the scene together,

0:57:56.760 --> 0:58:00.280
<v Speaker 2>it's completely silent and they're just doing asl and and

0:58:00.520 --> 0:58:02.959
<v Speaker 2>there's captions and I've never seen anything like that on TV.

0:58:04.280 --> 0:58:06.240
<v Speaker 2>And I learned a lot just from watching that. And

0:58:06.240 --> 0:58:08.840
<v Speaker 2>and you know, they're having an argument about their sex life,

0:58:08.840 --> 0:58:12.520
<v Speaker 2>and it's like he's he's he's portraying people and he's

0:58:12.560 --> 0:58:16.360
<v Speaker 2>like really honest and you know, human ways, And it

0:58:16.400 --> 0:58:18.560
<v Speaker 2>feels like I shouldn't have to be that grateful for

0:58:18.600 --> 0:58:22.000
<v Speaker 2>it in twenty six seventeen, but it is so different

0:58:22.040 --> 0:58:24.560
<v Speaker 2>and so fresh, and I just I need all y'all

0:58:24.600 --> 0:58:25.200
<v Speaker 2>to go watch it.

0:58:25.840 --> 0:58:29.560
<v Speaker 1>I just love that, like that's what happens when people

0:58:30.360 --> 0:58:35.040
<v Speaker 1>who look like you write stories about people who look

0:58:35.160 --> 0:58:35.360
<v Speaker 1>like you.

0:58:35.560 --> 0:58:37.680
<v Speaker 2>I mean, I don't think it sounds so simple, and

0:58:37.760 --> 0:58:39.960
<v Speaker 2>yet it is so like ah.

0:58:39.680 --> 0:58:42.520
<v Speaker 1>Yes, yeah right, Like I remember when Damon Wade, Matt

0:58:42.600 --> 0:58:45.080
<v Speaker 1>Damon Wade, look at me, child, you know, I'm tired

0:58:45.400 --> 0:58:48.320
<v Speaker 1>when Damon oh he plays Jason Bourne.

0:58:48.360 --> 0:58:51.240
<v Speaker 2>What's the name, Matt Damon Yeah.

0:58:51.160 --> 0:58:53.520
<v Speaker 1>Day yo, I'm an old lady for real. So Matt Damen,

0:58:54.800 --> 0:59:00.240
<v Speaker 1>Damon Wade. So I remember when Matt Damon close. Yeah,

0:59:00.240 --> 0:59:02.240
<v Speaker 1>people were complained because he was like doing some movie

0:59:02.240 --> 0:59:03.640
<v Speaker 1>about like I don't know, people of color.

0:59:03.760 --> 0:59:06.440
<v Speaker 2>Well, he was in a yeah, he played a he

0:59:06.520 --> 0:59:08.520
<v Speaker 2>was like the white savior in a movie about the

0:59:08.520 --> 0:59:10.000
<v Speaker 2>cour Wall of China or something.

0:59:10.080 --> 0:59:13.440
<v Speaker 1>Yeah, and he was basically like no, like representation just

0:59:13.520 --> 0:59:15.480
<v Speaker 1>basically means they're in the movie. They don't have to

0:59:15.560 --> 0:59:17.480
<v Speaker 1>be writing the script too. I'm like, are you eving

0:59:17.520 --> 0:59:17.880
<v Speaker 1>kidding me?

0:59:17.960 --> 0:59:20.800
<v Speaker 2>The I remember, yeah, you know what we're talking about.

0:59:20.800 --> 0:59:23.920
<v Speaker 2>This was when he and Ben Affleck had that show

0:59:24.480 --> 0:59:26.720
<v Speaker 2>and they was like, I forget what the show was,

0:59:26.760 --> 0:59:28.919
<v Speaker 2>but there was like an African there's like a black

0:59:28.960 --> 0:59:33.000
<v Speaker 2>woman director who was calling them out for not casting

0:59:33.800 --> 0:59:37.520
<v Speaker 2>like yeah, brown people I write, yeah to write or

0:59:37.560 --> 0:59:39.520
<v Speaker 2>like be in a show, And he was saying that

0:59:39.560 --> 0:59:42.320
<v Speaker 2>didn't matter who the writers were. Basically, are you kidding?

0:59:42.360 --> 0:59:44.440
<v Speaker 2>But if you just have them on the screen, it's fine.

0:59:44.640 --> 0:59:46.880
<v Speaker 1>That to me, it's like that is so I mean,

0:59:47.520 --> 0:59:49.200
<v Speaker 1>it's sometimes I want to be like, do you don't

0:59:49.200 --> 0:59:51.400
<v Speaker 1>feel the white privilege branded on your chest? Like that

0:59:51.520 --> 0:59:55.040
<v Speaker 1>is so ridiculous. That's like me saying I'm going to

0:59:55.040 --> 0:59:57.080
<v Speaker 1>write a story about what it was like growing up

0:59:57.120 --> 1:00:00.120
<v Speaker 1>in your household and I don't even know you. That

1:00:00.120 --> 1:00:02.320
<v Speaker 1>would be ridiculous. But that's literally what you're saying. I'm

1:00:02.360 --> 1:00:04.480
<v Speaker 1>just like, how do people not hear themselves? How do

1:00:04.520 --> 1:00:06.800
<v Speaker 1>you not hear? I guess it's very difficult when you

1:00:06.840 --> 1:00:09.720
<v Speaker 1>live in the privilege to kind of see the privilege.

1:00:09.920 --> 1:00:12.440
<v Speaker 1>But like, there was this great post today that was

1:00:12.440 --> 1:00:15.840
<v Speaker 1>floating around Facebook. It was this young white girl from

1:00:15.880 --> 1:00:18.000
<v Speaker 1>she was in college and she was like I posted

1:00:18.000 --> 1:00:19.520
<v Speaker 1>this picture and then she was like this is white

1:00:19.560 --> 1:00:22.040
<v Speaker 1>privilege and accent. She was like I walked around campus

1:00:22.320 --> 1:00:25.200
<v Speaker 1>with the sword and everybody thought, how cute this white

1:00:25.200 --> 1:00:26.960
<v Speaker 1>girl with the sword, Like on campus, you know, she

1:00:27.000 --> 1:00:28.200
<v Speaker 1>was like, I was playing with it, and I was like,

1:00:28.280 --> 1:00:31.440
<v Speaker 1>I'm the whatever whatever reason. She had a sword, like

1:00:31.560 --> 1:00:35.040
<v Speaker 1>a sword, a real sharp, live sword everything. It was

1:00:35.080 --> 1:00:39.480
<v Speaker 1>cute taking pictures for the GRAM. Meanwhile, I think like

1:00:39.520 --> 1:00:42.520
<v Speaker 1>a gentleman was on camp, a young black man was

1:00:42.560 --> 1:00:44.880
<v Speaker 1>on campus and had a glue gun shut the whole

1:00:44.880 --> 1:00:48.160
<v Speaker 1>campus down, Oh my god. And I was just like,

1:00:48.200 --> 1:00:51.000
<v Speaker 1>she's like, so, how that is white privilege that I

1:00:51.000 --> 1:00:54.040
<v Speaker 1>can walk around with a literal sword and a glue

1:00:54.080 --> 1:00:56.479
<v Speaker 1>gun shuts the campus down because it's in a black hand.

1:00:56.880 --> 1:00:58.920
<v Speaker 1>And I'm just like, I just don't understand. I'm like,

1:00:59.520 --> 1:01:02.640
<v Speaker 1>I get it's hard because there's certain privileges that I

1:01:03.320 --> 1:01:05.600
<v Speaker 1>enjoyed that sometimes it's hard for me to see because

1:01:05.600 --> 1:01:07.920
<v Speaker 1>I enjoy them, but like when they're so blatant and

1:01:07.960 --> 1:01:10.280
<v Speaker 1>obviously in your face, I'm like, are you are you

1:01:10.400 --> 1:01:13.520
<v Speaker 1>perpetually up to or are you just like I enjoy

1:01:13.560 --> 1:01:14.640
<v Speaker 1>it too much, I don't want to let it go,

1:01:15.080 --> 1:01:18.120
<v Speaker 1>you know, like you just I just don't see how

1:01:18.560 --> 1:01:22.160
<v Speaker 1>you can think that you writing about a story or

1:01:22.200 --> 1:01:25.640
<v Speaker 1>a or an experience that you have not experienced, how

1:01:25.680 --> 1:01:27.520
<v Speaker 1>that does not seem weird to you? Like, yeah, I

1:01:27.520 --> 1:01:28.920
<v Speaker 1>don't know, I'm not being this black woman, but I'm

1:01:28.920 --> 1:01:31.000
<v Speaker 1>gonna totally write her story because I mean, we're all human,

1:01:31.760 --> 1:01:34.040
<v Speaker 1>are you crazy? So just yeah, see this is where

1:01:34.040 --> 1:01:35.840
<v Speaker 1>I try not to like cause I'm just like lately,

1:01:35.880 --> 1:01:37.840
<v Speaker 1>I've just been like, yo, honestly, I'm like, has the

1:01:37.880 --> 1:01:38.880
<v Speaker 1>world always been like this?

1:01:39.640 --> 1:01:42.520
<v Speaker 2>Or but you know, we need and I think just

1:01:42.560 --> 1:01:46.040
<v Speaker 2>shows like Master of None. We also had Insecure this year. Yeah,

1:01:46.080 --> 1:01:49.080
<v Speaker 2>they're changing the game, and I feel like the fact

1:01:49.120 --> 1:01:53.040
<v Speaker 2>that they're actually hiring diverse writing staff, Like I really

1:01:53.040 --> 1:01:56.080
<v Speaker 2>read the show credits on Azisa's show, and either he

1:01:56.160 --> 1:01:58.360
<v Speaker 2>writes the show on the episode I talked about where

1:01:58.360 --> 1:02:01.880
<v Speaker 2>it was a story of his black lesbian best friend

1:02:02.040 --> 1:02:05.720
<v Speaker 2>coming out to her family. Like that actress who is

1:02:05.800 --> 1:02:09.160
<v Speaker 2>a black lesbian in real life, was a co writer

1:02:09.680 --> 1:02:12.080
<v Speaker 2>on that episode. So it's like he's giving someone a

1:02:12.120 --> 1:02:14.040
<v Speaker 2>pen and saying, here, I don't know what it was like,

1:02:14.120 --> 1:02:17.000
<v Speaker 2>you tell me that simple act in none of itself

1:02:17.120 --> 1:02:20.200
<v Speaker 2>is like sadly revolutionary and we need more of it.

1:02:20.720 --> 1:02:23.360
<v Speaker 2>I was just talking to my best friend as Vietnamese

1:02:23.480 --> 1:02:27.080
<v Speaker 2>Chinese mix, and she was going on about she went

1:02:27.160 --> 1:02:31.120
<v Speaker 2>to see or there's this musical on Broadway called Miss Sagon, Right, now,

1:02:31.440 --> 1:02:36.640
<v Speaker 2>which is about a Vietnamese prostitute who falls in love

1:02:36.680 --> 1:02:40.360
<v Speaker 2>with a white soldier American soldier during the Vietnam War,

1:02:40.480 --> 1:02:43.200
<v Speaker 2>and like, this is my best friend. She was a refugee.

1:02:43.200 --> 1:02:45.240
<v Speaker 2>She moved here when she was four, her parents brought

1:02:45.240 --> 1:02:47.480
<v Speaker 2>her here. Like she's like, that's not my experience, that's

1:02:47.520 --> 1:02:49.760
<v Speaker 2>not the kind of you know in the actress playing

1:02:49.800 --> 1:02:53.840
<v Speaker 2>this a Vietnamese prostitutes Filipino, you know, and the two

1:02:53.920 --> 1:02:57.200
<v Speaker 2>writers of the play are two white guys, you know.

1:02:57.400 --> 1:03:01.040
<v Speaker 2>And she's just you know, outraged, and she's like and

1:03:01.080 --> 1:03:02.600
<v Speaker 2>we were just like we need to just write, you know,

1:03:02.640 --> 1:03:05.880
<v Speaker 2>you need. The only way to to change it is

1:03:06.040 --> 1:03:07.880
<v Speaker 2>they're not going to change. Like people are still going

1:03:07.960 --> 1:03:09.800
<v Speaker 2>to buy tickets, you know, they're not going to change.

1:03:10.120 --> 1:03:13.400
<v Speaker 2>We need to be out there telling our own stories, writing,

1:03:13.560 --> 1:03:17.800
<v Speaker 2>hiring people that you know, have personal experience, and making

1:03:17.840 --> 1:03:18.959
<v Speaker 2>sure that it's done right.

1:03:19.840 --> 1:03:22.000
<v Speaker 1>That's why we have brod Ambition. Honestly, that's why we

1:03:22.040 --> 1:03:24.240
<v Speaker 1>started this. Remember, Manny, when we started, people were like

1:03:24.680 --> 1:03:30.919
<v Speaker 1>black brown podcast what those words don't go together for real?

1:03:31.040 --> 1:03:33.280
<v Speaker 1>Because there was like no every time like we met

1:03:33.280 --> 1:03:36.680
<v Speaker 1>people who were in podcasting, they were like, ooh wow,

1:03:36.760 --> 1:03:38.120
<v Speaker 1>you guys are like pioneers.

1:03:38.480 --> 1:03:41.680
<v Speaker 2>Aren't you worried about what was someone asked me, aren't

1:03:41.680 --> 1:03:46.080
<v Speaker 2>you worried about what's the word, not marginalizing people, but

1:03:46.160 --> 1:03:50.200
<v Speaker 2>like alienating people? Like aren't you worried about aliening your audience?

1:03:50.240 --> 1:03:51.760
<v Speaker 2>So you're not going to get you know, a lot

1:03:51.760 --> 1:03:53.360
<v Speaker 2>of people won't listen because if they feel like it

1:03:53.360 --> 1:03:55.800
<v Speaker 2>won't it's not for them.

1:03:56.160 --> 1:03:59.080
<v Speaker 1>No, I'm not worried exactly. Oh, you mean, like everything

1:03:59.120 --> 1:04:01.480
<v Speaker 1>else in this world, like chow you know, if white

1:04:01.520 --> 1:04:03.800
<v Speaker 1>like hello, every time I look up, nothing is for me,

1:04:04.400 --> 1:04:06.680
<v Speaker 1>like you know, like that's just the way it goes,

1:04:06.720 --> 1:04:12.880
<v Speaker 1>Like nude nude pantyholes, what what nude skin colored bandages? Like?

1:04:13.400 --> 1:04:15.479
<v Speaker 1>I mean, are we not alienated at twenty four hours

1:04:15.480 --> 1:04:16.960
<v Speaker 1>a day? But that's just life, right.

1:04:17.600 --> 1:04:19.880
<v Speaker 2>But I will say, so many people listen to our show,

1:04:19.880 --> 1:04:22.000
<v Speaker 2>and I don't think we are alienating people. I think,

1:04:22.480 --> 1:04:25.720
<v Speaker 2>you know, I find out that people like just the

1:04:25.800 --> 1:04:28.000
<v Speaker 2>other day, one of my good girlfriends, Liz in Missouri,

1:04:28.960 --> 1:04:32.360
<v Speaker 2>Bless her heart, Marissa, Marissa, if you're listening, hey, that's

1:04:32.400 --> 1:04:35.200
<v Speaker 2>call you out for being a super white girl. Listen,

1:04:35.640 --> 1:04:39.560
<v Speaker 2>listens to the show Prouvi and Friends Minican friends, friends

1:04:39.560 --> 1:04:41.360
<v Speaker 2>all over the place listen to the show, and I

1:04:41.400 --> 1:04:43.360
<v Speaker 2>feel like, at the end of the day, what we're

1:04:43.400 --> 1:04:47.480
<v Speaker 2>talking about isn't so different. But we're women and we

1:04:47.720 --> 1:04:49.560
<v Speaker 2>and and I think the way that we talk about

1:04:49.560 --> 1:04:53.200
<v Speaker 2>things is what attracts people to the show. And I

1:04:53.240 --> 1:04:56.760
<v Speaker 2>think if you let the word brown get out of

1:04:56.760 --> 1:04:59.400
<v Speaker 2>the way, then maybe you're not the person we want

1:04:59.440 --> 1:05:03.040
<v Speaker 2>to be reaching it anyway. So yeah, I don't know

1:05:03.080 --> 1:05:05.440
<v Speaker 2>if I said that very eloquently or not, but I.

1:05:05.400 --> 1:05:07.120
<v Speaker 1>Know what you mean. It's like the same thing like people.

1:05:07.640 --> 1:05:10.560
<v Speaker 1>Someone asked me the other day about the Budgetista. They're like, so, like,

1:05:10.640 --> 1:05:12.520
<v Speaker 1>do you think like you know, because I know, like

1:05:12.560 --> 1:05:15.680
<v Speaker 1>you just speak to black women And I'm like, I don't,

1:05:16.360 --> 1:05:21.520
<v Speaker 1>but it am I purposefully leaning toward Hey girl, Hey,

1:05:21.920 --> 1:05:24.480
<v Speaker 1>here's a safe space for you. Hell yeah, but we

1:05:24.520 --> 1:05:26.360
<v Speaker 1>don't turn anyone away, whether you're a man or woman

1:05:26.440 --> 1:05:30.120
<v Speaker 1>or whatever. But literally, there were only a handful of us,

1:05:30.400 --> 1:05:34.760
<v Speaker 1>Like everything else what it didn't make sense for women

1:05:34.840 --> 1:05:39.440
<v Speaker 1>of color. So yes, I purposefully created what I needed

1:05:39.800 --> 1:05:42.480
<v Speaker 1>and was like, I just need someone who's gonna explain

1:05:42.600 --> 1:05:45.360
<v Speaker 1>money to me, and like a not a guru, but

1:05:45.440 --> 1:05:48.200
<v Speaker 1>a girlfriend, like I am nobody's financial guru. I'm like, girls,

1:05:48.240 --> 1:05:50.120
<v Speaker 1>so I messed up, let me tell you how to

1:05:50.120 --> 1:05:52.200
<v Speaker 1>fix it. Like I want you to feel like you're

1:05:52.200 --> 1:05:53.800
<v Speaker 1>talking to me about, like where's the best place to

1:05:53.800 --> 1:05:56.040
<v Speaker 1>get your hair braided? Because your hair looks really cute.

1:05:56.200 --> 1:06:00.240
<v Speaker 1>That's the kind of environment I wanted to create. So no, oh,

1:06:00.280 --> 1:06:03.160
<v Speaker 1>I'm not like you know, I don't turn anyone away,

1:06:03.600 --> 1:06:10.600
<v Speaker 1>but yes, am I positioned to specifically speak to black women. Yes,

1:06:10.640 --> 1:06:12.960
<v Speaker 1>because I'm a black woman, So I'm speaking just from

1:06:12.960 --> 1:06:15.160
<v Speaker 1>a voice of a black woman, meaning that like that's

1:06:15.200 --> 1:06:17.439
<v Speaker 1>who's listening. Like in the beginning, when I first started,

1:06:17.480 --> 1:06:19.360
<v Speaker 1>the budgetist said, I was just like, well, whoever wants

1:06:19.360 --> 1:06:21.360
<v Speaker 1>to pick it up, here it is. And then it

1:06:21.440 --> 1:06:23.880
<v Speaker 1>was ninety nine percent black women, and so I was like, well,

1:06:23.880 --> 1:06:27.440
<v Speaker 1>hey girl, hey, And so I mean because honestly, everything

1:06:27.480 --> 1:06:29.479
<v Speaker 1>else out there, I mean, even brands that I wanted

1:06:29.480 --> 1:06:32.520
<v Speaker 1>to work with in the beginning, they were excited when

1:06:32.520 --> 1:06:34.280
<v Speaker 1>I told them, like even my early numbers, like oh

1:06:34.360 --> 1:06:36.160
<v Speaker 1>you know, we got two thousand on the list, And

1:06:36.200 --> 1:06:38.000
<v Speaker 1>then when they were like, send me over your deck

1:06:38.280 --> 1:06:39.960
<v Speaker 1>and they saw all the brown faces because I put

1:06:40.000 --> 1:06:43.120
<v Speaker 1>brown faces on my proposal decks. We wouldn't get calls back,

1:06:43.360 --> 1:06:45.240
<v Speaker 1>but the numbers. So I'm like and then I would

1:06:45.240 --> 1:06:46.760
<v Speaker 1>find out, like I would go to fin Con and

1:06:46.800 --> 1:06:49.360
<v Speaker 1>find out that some of my other like you know,

1:06:49.640 --> 1:06:52.640
<v Speaker 1>FINCN friends who weren't black or people of color, and

1:06:52.720 --> 1:06:55.040
<v Speaker 1>they had way less numbers, and they had like all

1:06:55.080 --> 1:06:57.560
<v Speaker 1>these brands clamoring for them. And I'm like, well girl,

1:06:57.760 --> 1:06:59.320
<v Speaker 1>and they're like, girl, I know you're killing it out

1:06:59.320 --> 1:07:01.280
<v Speaker 1>here with these brands. You've got three times the numbers

1:07:01.320 --> 1:07:03.560
<v Speaker 1>I have. And I'm like, yeah, no, I reached out

1:07:03.880 --> 1:07:06.000
<v Speaker 1>what's that what's your contact name? Yeah, that's mine too.

1:07:06.080 --> 1:07:09.080
<v Speaker 1>She doesnitely turned my calls anymore until a major brand,

1:07:09.120 --> 1:07:10.880
<v Speaker 1>A brown girl from a major brand pulled me to

1:07:10.880 --> 1:07:12.840
<v Speaker 1>the side and said, girl, I'm in the room, and

1:07:12.920 --> 1:07:16.840
<v Speaker 1>the room says there's no money with black women, so

1:07:16.920 --> 1:07:19.080
<v Speaker 1>we're not doing it. And I'm like, are you kidding me?

1:07:19.160 --> 1:07:21.120
<v Speaker 1>She's like, no, I'm fighting for us, but I'm the

1:07:21.120 --> 1:07:24.280
<v Speaker 1>only one in the room. This is a major, major, national,

1:07:24.600 --> 1:07:26.280
<v Speaker 1>huge financial brand and I'm not going to say their

1:07:26.320 --> 1:07:31.360
<v Speaker 1>name because they're huge, And I was like so mad,

1:07:31.520 --> 1:07:33.640
<v Speaker 1>like are you kidding me? So even though we've got

1:07:34.080 --> 1:07:37.840
<v Speaker 1>way more numbers than some of my my counterparts. There,

1:07:38.440 --> 1:07:41.080
<v Speaker 1>the thought is there's no money with black women, and

1:07:41.120 --> 1:07:42.480
<v Speaker 1>that pissed me off. So a bad man you have

1:07:42.560 --> 1:07:44.760
<v Speaker 1>no even that's thinking about it. I'm like, like, I'm

1:07:44.800 --> 1:07:47.280
<v Speaker 1>hot with anger, and so I was just like, all right,

1:07:47.520 --> 1:07:50.280
<v Speaker 1>you know what, fit We're gonna do it ourselves, you

1:07:50.360 --> 1:07:53.440
<v Speaker 1>know what, Because so we're just not gonna get any support,

1:07:53.600 --> 1:07:56.080
<v Speaker 1>that's what you're saying. Okay, we don't need your damn support.

1:07:56.360 --> 1:07:58.480
<v Speaker 1>And so I purposely was like, we're going to create

1:07:58.520 --> 1:08:02.400
<v Speaker 1>something that is self sustaining that if you guys will

1:08:02.560 --> 1:08:06.520
<v Speaker 1>will will work together create this movement where we help

1:08:06.520 --> 1:08:09.520
<v Speaker 1>each other, you know, then we could be self sustaining.

1:08:09.640 --> 1:08:11.600
<v Speaker 1>And so, like I would ask them, like, what are

1:08:11.600 --> 1:08:14.240
<v Speaker 1>some ways that we could sustain this movement? So people

1:08:14.240 --> 1:08:15.840
<v Speaker 1>were like, put out some books. I'm like, yeah, but

1:08:16.400 --> 1:08:17.920
<v Speaker 1>anything I put in my book is basically what you

1:08:17.960 --> 1:08:19.679
<v Speaker 1>can get for free on my blog. They're like, it's okay,

1:08:19.680 --> 1:08:21.880
<v Speaker 1>we'll buy it anyway, and they did. And then I

1:08:21.920 --> 1:08:24.240
<v Speaker 1>put the money back into the movement enough to sustain

1:08:24.280 --> 1:08:27.920
<v Speaker 1>myself and enough to sustain so I can present ninety

1:08:27.920 --> 1:08:30.360
<v Speaker 1>percent of what I do for free and honestly like

1:08:30.400 --> 1:08:32.000
<v Speaker 1>I was just telling a brand the other day. They

1:08:32.000 --> 1:08:34.000
<v Speaker 1>wanted to work with me, and I was asking all

1:08:34.040 --> 1:08:35.439
<v Speaker 1>these questions and I could tell they were a bit

1:08:35.479 --> 1:08:37.240
<v Speaker 1>taken aback, and they were like, you know, a lot

1:08:37.280 --> 1:08:39.000
<v Speaker 1>of people are really kind of like happy to work

1:08:39.000 --> 1:08:42.040
<v Speaker 1>with us. And I said, honestly, and I said this verbatim,

1:08:42.439 --> 1:08:45.680
<v Speaker 1>I'm good on money. What else are you bringing to

1:08:45.760 --> 1:08:48.680
<v Speaker 1>the table for I said that. I said, yeah, I'm

1:08:48.680 --> 1:08:51.160
<v Speaker 1>good on money, and she was like what I said, No,

1:08:51.200 --> 1:08:53.520
<v Speaker 1>I'm good. I mean, you know, I'm not a bajillionaire,

1:08:53.560 --> 1:08:57.360
<v Speaker 1>but I'm good on money. My community supports the initiatives

1:08:57.479 --> 1:08:59.519
<v Speaker 1>that keep us running. So I do not have to

1:08:59.560 --> 1:09:03.080
<v Speaker 1>say yeah for money at all. If anything, you can't

1:09:03.080 --> 1:09:05.200
<v Speaker 1>even touch when my community brings to the table as

1:09:05.200 --> 1:09:07.920
<v Speaker 1>far as finances, So what are you bringing to the table.

1:09:08.000 --> 1:09:11.920
<v Speaker 1>I'm not choosing collaborations based upon money. That's not why

1:09:11.920 --> 1:09:15.280
<v Speaker 1>I work with Magnified by Money. It's because Magnifying Money

1:09:15.360 --> 1:09:17.160
<v Speaker 1>is dope. I would do so for free. If I

1:09:17.160 --> 1:09:19.400
<v Speaker 1>wouldn't work with you for free, then I wouldn't you know,

1:09:19.479 --> 1:09:22.960
<v Speaker 1>then I wouldn't introduce you. I know. But I'm just saying, like,

1:09:23.000 --> 1:09:25.080
<v Speaker 1>you know, I mean I'm period, you know, but it's

1:09:25.160 --> 1:09:26.880
<v Speaker 1>just like, I don't know, it just gets so frustrating

1:09:26.920 --> 1:09:30.439
<v Speaker 1>because I just like, I go to back so hard,

1:09:30.479 --> 1:09:31.720
<v Speaker 1>like you know, we go to bad so hard for

1:09:32.160 --> 1:09:35.720
<v Speaker 1>women that look like us, and it's just so disheartening

1:09:35.760 --> 1:09:39.160
<v Speaker 1>when you see that people don't care, and you know,

1:09:39.280 --> 1:09:40.920
<v Speaker 1>and I mean, now they're starting to care because you

1:09:40.960 --> 1:09:43.280
<v Speaker 1>can't you know, you can't deny the numbers they're.

1:09:43.080 --> 1:09:44.720
<v Speaker 2>Like because they did and they were like, y'all do

1:09:44.800 --> 1:09:45.439
<v Speaker 2>have some money?

1:09:45.560 --> 1:09:48.200
<v Speaker 1>Yeah, exactly, so now you know. And I try not

1:09:48.240 --> 1:09:50.080
<v Speaker 1>to be bitter about it, like when like brands that

1:09:50.080 --> 1:09:51.960
<v Speaker 1>were like, you know, gone before, I try to come

1:09:52.000 --> 1:09:54.160
<v Speaker 1>back now because to me, if they have something that's

1:09:54.240 --> 1:09:56.040
<v Speaker 1>good and useful, then it's good and useful. And I

1:09:56.080 --> 1:09:59.280
<v Speaker 1>try to take my personal you know, my personality and

1:09:59.320 --> 1:10:01.680
<v Speaker 1>my personal fear fellings out of it. But yeah, I

1:10:01.840 --> 1:10:04.559
<v Speaker 1>just I'm just so glad that we do this brown ambition,

1:10:04.760 --> 1:10:06.680
<v Speaker 1>that there's a bunch of Nisa, that there's stuff like

1:10:06.720 --> 1:10:10.160
<v Speaker 1>what disease is doing and and Issa and you know

1:10:10.280 --> 1:10:13.960
<v Speaker 1>Ava and you know, learning to be to create the

1:10:14.000 --> 1:10:16.120
<v Speaker 1>things that we want for us. I think it's it's

1:10:16.120 --> 1:10:18.479
<v Speaker 1>it's critical and so on that note, let me get

1:10:18.479 --> 1:10:23.280
<v Speaker 1>off the soap bossible. I was like, don't get me

1:10:23.320 --> 1:10:24.320
<v Speaker 1>started this damn brand.

1:10:24.360 --> 1:10:27.160
<v Speaker 2>I'm like, let me, I'm hungry. How much longer?

1:10:28.680 --> 1:10:30.479
<v Speaker 1>All right? All right, and then we're gonna wrap it up.

1:10:30.520 --> 1:10:31.400
<v Speaker 1>I'm so sorry, guys.

1:10:31.400 --> 1:10:31.840
<v Speaker 2>I love out.

1:10:32.840 --> 1:10:34.880
<v Speaker 1>Yeah, just like this gets so bad. But I'm like,

1:10:34.920 --> 1:10:36.800
<v Speaker 1>all right, let me bring you back. Really, I'm back in.

1:10:37.080 --> 1:10:41.400
<v Speaker 2>That's what they came to see. Give them what they want.

1:10:41.680 --> 1:10:43.920
<v Speaker 1>They're like, damn, okay, Tiffany, I didn't know. Tell them

1:10:43.920 --> 1:10:45.720
<v Speaker 1>why your mad son? That's what should have a tell

1:10:45.720 --> 1:10:50.719
<v Speaker 1>them why you mad son segment? All Right, y'all, I'm sorry.

1:10:50.800 --> 1:10:52.040
<v Speaker 1>I mean, I'm not sorry, but you know.

1:10:52.080 --> 1:10:53.760
<v Speaker 2>That's it is, is you weigh yourself out.

1:10:54.240 --> 1:10:56.360
<v Speaker 1>You did. I'm like sweating now I'm sweating.

1:10:56.400 --> 1:11:01.320
<v Speaker 2>I'm like, oh, that's the passion we're looking for. No,

1:11:01.920 --> 1:11:04.519
<v Speaker 2>I completely agree. That's why I give you this slow clap.

1:11:06.960 --> 1:11:11.160
<v Speaker 1>All right, So listeners, Brown Ambition Family, I hope you enjoyed.

1:11:11.160 --> 1:11:13.400
<v Speaker 1>It is our super long podcast today.

1:11:14.360 --> 1:11:17.599
<v Speaker 2>As ever, check us out Brown Ambition podcast dot com.

1:11:17.880 --> 1:11:19.639
<v Speaker 2>And I haven't even looked at iTunes in a while.

1:11:19.640 --> 1:11:22.639
<v Speaker 2>We're almost at two hundred reviews. You guys, that is amazing.

1:11:23.400 --> 1:11:26.240
<v Speaker 2>I remember we used to have like stagnantly forty five reviews,

1:11:26.240 --> 1:11:30.840
<v Speaker 2>So thank you so much. And if you guys, I

1:11:30.880 --> 1:11:32.559
<v Speaker 2>love your notes. You get a lot of messages to

1:11:32.600 --> 1:11:36.680
<v Speaker 2>our inbox if you if you have kind words, love

1:11:36.720 --> 1:11:40.080
<v Speaker 2>your notes. But go ahead share the love on iTunes

1:11:40.320 --> 1:11:43.040
<v Speaker 2>or wherever you listen to your podcast. It helps people

1:11:43.080 --> 1:11:45.479
<v Speaker 2>find the show. It's the reason we get on all

1:11:45.520 --> 1:11:49.200
<v Speaker 2>these lists for best podcasts for women or career in business,

1:11:49.200 --> 1:11:53.320
<v Speaker 2>which is awesome. So thanks to the love, keep it coming. Yeah,

1:11:53.640 --> 1:11:58.559
<v Speaker 2>thank you for the love and happy week. I'm gonna

1:11:58.600 --> 1:11:59.439
<v Speaker 2>go ice mine now.

1:12:00.200 --> 1:12:02.960
<v Speaker 1>I would ice my body fine,