Speaker 1: Hey hey, hey, hey, we're back. We'll back. We're back,
Speaker 1: We're back. I think I prefer taping on this.
Speaker 2: Day on Monday.
Speaker 1: I do because I feel like my life belongs to
Speaker 1: the Live with Your Academy on Sunday.
Speaker 2: So okay, so it's Monday, our New days talking shop schedules.
Speaker 2: I know, this is how the sausage gets made, you.
Speaker 1: Guys, exactly, you gotta make the donuts. So this as
Speaker 1: you're getting to see all the behind the scenes. But yeah,
Speaker 1: I think I like it. I was like, I like
Speaker 1: this day because Monday's also like for for business, I
Speaker 1: take a day off of well I'm supposed to take
Speaker 1: a day off a week and like, like everybody who
Speaker 1: I work with knows, you're not supposed to like send
Speaker 1: me stuff on Mondays. I mean, I still work on Monday,
Speaker 1: but it's just I don't have to, like my schedule
Speaker 1: is completely empty, you know. And so and then like
Speaker 1: for Sierra, my coo, she's the other like super hard
Speaker 1: working that she gets Wednesdays off, and so just because
Speaker 1: we tend to work on weekends sometimes not always, but sometimes,
Speaker 1: so it's like no matter what, even if we work weekends,
Speaker 1: you get this one day off. You know.
Speaker 2: Yeah, it's like people who own restaurants restaurants clothes on Mondays? Right,
Speaker 2: Is that fact the same kind of thing? Mm hmm,
Speaker 2: I'm having I had one of the most Monday Mondays ever.
Speaker 1: Really.
Speaker 2: Yeah. Well it started out with I got off a stop,
Speaker 2: like my brain malfunction. You know, when you just you
Speaker 2: do your routine, you know exactly which stop to get
Speaker 2: off at. I don't even have to look for the
Speaker 2: names of the stations. It's just I feel when it's
Speaker 2: my stop coming up. And today I just I don't
Speaker 2: know what my brain. I just had a short circuit.
Speaker 2: I need a software update or something. But I got
Speaker 2: off a stop early, which was really annoying, and then
Speaker 2: I had to wait, like, you know, forever for the
Speaker 2: next train. And then you don't take the train to
Speaker 2: work every day, but you know what it's like, like
Speaker 2: it's crazy trying to take the train, Like there's always
Speaker 2: a mad dash, and you know, when you're the first
Speaker 2: person off the train and you're like right by the staircase,
Speaker 2: you better go because you have like the entire you know,
Speaker 2: this entire army coming behind you bearing down on you.
Speaker 2: And I happened to be the first person out of
Speaker 2: the station, and I ran down the stairs and I
Speaker 2: was like, oh my god, they're coming for me. They're
Speaker 2: coming for me. And then when I was trying to
Speaker 2: go back up the stairs because you have to go
Speaker 2: down and then up, my shoes caught on the staircase
Speaker 2: and I went down so hard, so hard, and I
Speaker 2: couldn't and it hurts so bad, and then you just
Speaker 2: you can't stay there because you're gonna get trampled. I
Speaker 2: was just gonna say that, Like, so I felt like
Speaker 2: a like the weak link and like a herd or something.
Speaker 2: So like got out and like ran to Starbucks. Yeah
Speaker 2: that's how my day started. So I'm icing my knee
Speaker 2: right now. Those my steps are no joke.
Speaker 1: Yeah, no they aren't. It's like the city like and yeah,
Speaker 1: New York Penn Station. Like if that morning commute that
Speaker 1: like eight thirty ish, and then that afternoon or evening,
Speaker 1: what that evening commute. First of all, it's I can't
Speaker 1: even imagine if I was coming from another country, Like
Speaker 1: I'm afraid that's a Joysey girl who like you know,
Speaker 1: it's no stranger to the train, Like if I get
Speaker 1: caught out and they have a meeting and I happen
Speaker 1: to have to come back at like between four and five,
Speaker 1: I'm like, oh my god, Oh my god, oh my god.
Speaker 1: Because everyone gathers. There's like a bazillion people stuck together
Speaker 1: looking at the little board, and it's like when it
Speaker 1: changes to your train, like track three, and everyone will yo, manny,
Speaker 1: that's a scary thing.
Speaker 2: Yes, It's like when they release the horses at a
Speaker 2: race or like a dog race or something.
Speaker 1: And if you don't get out, get out the way,
Speaker 1: people are like, get out that way. I mean, I
Speaker 1: think to myself, Yo, what if I had a kid
Speaker 1: with me, I would just be like, you know what,
Speaker 1: I'm gonna go eat dinner and come back an hour.
Speaker 1: When it's not like death, it's called crazy.
Speaker 2: It's dangerous. And you know, I always think of the city.
Speaker 2: I know people, you know, we don't drive cars series
Speaker 2: so people may think that, you know, our commutes are
Speaker 2: somehow easier, but I feel like it's just as treacherous.
Speaker 2: And like walking on the New York City sidewalks is
Speaker 2: like commuting. It's like you have your lane, you need
Speaker 2: to pull over to the shoulder if you're going to
Speaker 2: do things like text, don't try and text in the
Speaker 2: middle of the road or stop in the middle of
Speaker 2: a road. You need to signal before you turn. Sometimes
Speaker 2: it's like it's it's insane and people are people are.
Speaker 1: Mean, Yeah, because you know everybody, Yeah, it's crazy. People
Speaker 1: who normally wouldn't be like evil. They will push you
Speaker 1: and you're like, oh my gosh, that's my shoulder. They
Speaker 1: don't care.
Speaker 2: So solidarity to anybody who had like a hellish Monday
Speaker 2: morning commute, because I feel you a man. But the
Speaker 2: day turned around. Coworker brought in cookies. Yeah, that's always nice,
Speaker 2: and one of my girlfriends just happened to be in
Speaker 2: the neighborhood and I had a nice long lunch and
Speaker 2: sometimes you just need like a little pick me up.
Speaker 1: Today was like the most productive Monday. I had an
Speaker 1: allowed time Like this morning, like I woke up a
Speaker 1: little bit before my alarm, and I was like, today,
Speaker 1: you're not gonna do what you normally do. You're not
Speaker 1: going to hit this alarm because I started going back
Speaker 1: to the gym in the morning at six and typically
Speaker 1: six is when my alarm goes off, and then I
Speaker 1: don't leave the house for like seven thirty and then
Speaker 1: I catch the traffic back and I told myself, Tiffany,
Speaker 1: we're not doing that today. And I was like, today,
Speaker 1: you're actually going to do work today. You're going to
Speaker 1: make your to do list, and you're gonna like things
Speaker 1: that you've been waiting forever to do, You're going to
Speaker 1: get them done today. So I'm like literally in the bed,
Speaker 1: I still close halfway out of rim, like coaching myself
Speaker 1: like you got this, you got this. Today, it's going
Speaker 1: to be different. And I was like, and I've done
Speaker 1: this before and then I wake up and have the
Speaker 1: same day I always have. But today I was like,
Speaker 1: look at you. I mean I didn't get a back six.
Speaker 1: I did six thirty because I was like, honestly, I can't.
Speaker 1: But I did get to the gym, and I added,
Speaker 1: so I'm doing this thing at the gym where when
Speaker 1: I first start, like, I work best when I added
Speaker 1: little things on, like if like my best friend Drino,
Speaker 1: when she goes back to the gym, she has to
Speaker 1: go back hard and not meet well, I'll never come back.
Speaker 1: So Week one was just go to the gym and
Speaker 1: do twenty minutes to cardio and go home. That's it.
Speaker 1: So now we're in week two and well stretching first
Speaker 1: and then twenty minutes. So now week two is stretching
Speaker 1: ads cardio go home. So that's what we're doing all
Speaker 1: this week, and then week three I'll add something else
Speaker 1: on because I need to like slowly bring things on.
Speaker 1: So today I started off at the gym. I had
Speaker 1: my to do list. I actually typically I have either
Speaker 1: inside or outside product to day, meaning like I'm either
Speaker 1: going to be inside all day and like knock out
Speaker 1: all my inside work, but I'll never make it to like,
Speaker 1: you know, run errands or I'm like ripping and running
Speaker 1: errands all day long. And today, for the first time
Speaker 1: and I don't know how long, I actually got all
Speaker 1: my inside work done. And I hate going to the
Speaker 1: mail like to like mail stuff or and you know,
Speaker 1: I had to go to Staples and some other craft
Speaker 1: and I actually did it. I was like, who are you?
Speaker 1: And I got back in the house before five, and
Speaker 1: I was like, get a nag that pep talk works,
Speaker 1: because you know, entrepreneurial life people just think. That's why
Speaker 1: I don't like when people trying to make it seem
Speaker 1: like actionneur life is like the most awesome thing ever
Speaker 1: all the time. I mean, don't get me wrong.
Speaker 2: It looks terrible. It can't be honestly, it just takes
Speaker 2: so much self motivation, you.
Speaker 1: Know, hey when I say some more and literally there
Speaker 1: are weeks when I'm like, who are you tippany yo?
Speaker 1: There are weeks when I'm like if people only knew
Speaker 1: this has been HGTV Binge week and have done nothing,
Speaker 1: and I'm just like people will say to be stuff
Speaker 1: like girl, you know, I didn't want to live because
Speaker 1: I know you're so busy, and I'm like, uh, I'm
Speaker 1: actually in my pjs right now, but okay.
Speaker 2: We need we need to do once a week just
Speaker 2: post a real, like a in real life image on Instagram,
Speaker 2: Like I'm going to post the fifth hour of my
Speaker 2: seven hour America or Great British Bakeoff Marathon, which I
Speaker 2: indulged in on Saturday. That's when I baked pretzels, Like
Speaker 2: that was literally my entire day was pretzels and watching
Speaker 2: baking shows and like a little bit of Netflix, you know,
Speaker 2: like I think people need that like little breath of
Speaker 2: fresh air, like oh yeah, you're humans. You're not always
Speaker 2: on because you can't be you can't. I like what
Speaker 2: you said too, about not trying to go back to
Speaker 2: the gym all at once, because I do what Drina
Speaker 2: does too. I'm like, Okay, I'm gonna, I'm gonna. I
Speaker 2: just I don't want to just lose ten pounds. I
Speaker 2: got to run a half marathon in two months, you know,
Speaker 2: And when you set those crazy expectations, like you're just
Speaker 2: setting yourself up for failure, not to mention, if you
Speaker 2: try and do too much at once, when you get
Speaker 2: back to the gym after a while, you just get
Speaker 2: so sore yep that you can't go the next day.
Speaker 1: It's so because what I really told myself, because you know,
Speaker 1: sometimes you just like, ugh, Like honestly, in the last
Speaker 1: I want to say, year and a half, I've gained
Speaker 1: like twenty pounds. This is the biggest I've ever been.
Speaker 1: I like, I've never typically like my max weight for me.
Speaker 1: So I'm five to eight, and you know, like I
Speaker 1: always had a little booty. You know, I'm African, So
Speaker 1: I'm like, okay, but I'm I'm slim. My Bill was
Speaker 1: typically slim, muscular like my whole life. My dad's side
Speaker 1: of the family is short and muscular. My mom's signs
Speaker 1: long and lean, so I was like a perfect blend
Speaker 1: between the two slim muscular build. So I always looked
Speaker 1: slim than my weight suggested, you know, so people would
Speaker 1: look at me and be like, what are you like
Speaker 1: one twenty. I'm like, yeah, I tried one forty five,
Speaker 1: so I never minded weighing a little bit more. But
Speaker 1: my max weight used to be like one sixty five,
Speaker 1: and I'm like once sixty five was like ooh, got
Speaker 1: a little booty, got some thighs. I never really have
Speaker 1: much of a bus but still looks slim. Girl. I'm
Speaker 1: like one eighty three. I'm like, who is this woman?
Speaker 1: Who DAEs? And I'm like when did this happen? Of
Speaker 1: course Superman is like, yes, he's like my max. He
Speaker 1: was like, just don't go over three hundred. Were good.
Speaker 1: I'm like three hundred, dude, Oh I remember you said that.
Speaker 2: Yeah, I wonder if every man has a limit.
Speaker 1: I'm sure they do, but ee hundred.
Speaker 2: Looks different on some people. Like some people, it just
Speaker 2: depends on your body type. Yes, And You're like, I
Speaker 2: don't even think for your height that weight isn't even
Speaker 2: that bad, Like, but I know what it feels like
Speaker 2: when you when that's like enough. Twenty pounds is enough
Speaker 2: to where your pants are feeling tight. That's where everything
Speaker 2: you want to wear, and that's that's demoralizing, and that's really.
Speaker 1: What it is. Because I didn't notice because like in
Speaker 1: the mirror, I'm like, okay, I definitely see more button,
Speaker 1: more thighs, but I didn't really notice until like I'm
Speaker 1: putting on my jeans, like and I'm not I don't
Speaker 1: typically wear like tight, tight clothes, and I'm putting on
Speaker 1: my jeans and that are like half a size or
Speaker 1: size larger anyway, because that's how I like to wear
Speaker 1: my clothes. And there I can't even wear them. I'm like, wait,
Speaker 1: did these drink? And then I tried another pair. I
Speaker 1: have like twenty pairs of jeans and I'm like, wait, weight,
Speaker 1: none of these fits? And I'm really like, I lest say.
Speaker 1: It took me a minute to realize, wait, am I bigger?
Speaker 1: I stepped out a scale. I said what is this number?
Speaker 1: And I said, okay, Tiffany, like twenty pounds. That's a
Speaker 1: lot in a year, so we're gonna need.
Speaker 2: I could gain that a month. Mine scared, I got, shoot,
Speaker 2: you can get That's just that's just like that's the
Speaker 2: kind of weight where if you just give yourself, you know,
Speaker 2: five or six months and like just change a couple
Speaker 2: of things, you can get you can get back to
Speaker 2: fighting weight.
Speaker 1: I just want to you know what it is, it's
Speaker 1: less the weight, more the Okay, Tiffany, you live like
Speaker 1: a sedentary lifestyle because I'm like always sitting in front
Speaker 1: of a computer, and i just want to get back
Speaker 1: into regular exercise and decent eating, like because that used
Speaker 1: to be me and then one day I just fell
Speaker 1: off a cliff and literally it was nothing for me
Speaker 1: to have like, oh, it's nighttime, I'm hungry, let me
Speaker 1: have some ice cream and some cereal and ooh, let
Speaker 1: me went to the store to get a Snickers bar
Speaker 1: and it's midnight. And then like not have moved all
Speaker 1: the day before or that day. And so I'm just like, Tiffany,
Speaker 1: you have to move at least three times a week
Speaker 1: and eat eat decent. You know, you don't have to like,
Speaker 1: you know, I'm not gonna not have pizza. But at
Speaker 1: the same time, I'm like I need a salad in
Speaker 1: here every once in a while. So you know, that's
Speaker 1: like I'm taking that approach to just life in general
Speaker 1: business Like I used to think, like I have to
Speaker 1: be a beast and Gohard twenty four to seven and
Speaker 1: I'm like, yeah, you don't. I mean you can, but
Speaker 1: all for what you know. So instead even like with
Speaker 1: like business life, I'm learning like one to chill and
Speaker 1: you know when to be like all right, it's beastmo,
Speaker 1: but you know that whole Like Gary Vee is awesome,
Speaker 1: but I could not live that Gary v lifestyle were
Speaker 1: every single second it seems like it's schedule for beast mode.
Speaker 1: I mean, how exhausting. I feel like he's gonna drop
Speaker 1: dead one day on one of his videos.
Speaker 2: I feel like, well, I'm over the whole beast mode
Speaker 2: hashtag for I have this one friend of uses it
Speaker 2: all the time. But I think there's I think too,
Speaker 2: and like people posting about you know, I'm doing this,
Speaker 2: I'm doing that, and like here's my to do list,
Speaker 2: here's so much of accomplished. I don't know how much
Speaker 2: of it, Like are they really happy doing all that?
Speaker 2: And like being at that level of exertion like all
Speaker 2: the time because you only can do so much, Like
Speaker 2: I may be killing it at work, Like before the wedding,
Speaker 2: I was I was killing it with wedding and planning,
Speaker 2: killing it with work, having a terrible social life and
Speaker 2: like bad eating habits. I feel like you can't, like
Speaker 2: I can only do through two things maybe amazingly at
Speaker 2: one time. Mm hmmm, and then you're gonna have to
Speaker 2: like kind of be nice to yourself and get back
Speaker 2: to you know, trying to just find like there's never
Speaker 2: gonna be a perfect balance. I don't think it's like
Speaker 2: I've read a really good quote one time about how
Speaker 2: you have four burners in life. I'm going to try
Speaker 2: and remember the four burners, like one is family, one
Speaker 2: is health, one is friendships, and one is work. And
Speaker 2: you can't have all four burners on it one time.
Speaker 2: You really only can do three max at one time,
Speaker 2: and the other burner's just gonna have to And it's
Speaker 2: not like it's not necessarily a bad thing. It's just
Speaker 2: you just have to sort of like get in the
Speaker 2: like be nice and to yourself and then expect for
Speaker 2: not everything to be going amazingly at the same time.
Speaker 1: To me, though, the better word is like harmony, where
Speaker 1: it's like, okay, you know, things are working together as
Speaker 1: they ought to because sometimes because balance assumes that everything
Speaker 1: is equally weighted, and harmony assumes that it all is
Speaker 1: working together collectively, even though this thing might be a
Speaker 1: little bit heavy at the moment than the other. So
Speaker 1: I'm just working on harmony over balance. I support that, well,
Speaker 1: there is no balance exactly. This is I was totally
Speaker 1: I remembered this article that I read recently about Steve Harvey.
Speaker 1: Did you see this about his email?
Speaker 2: Is this someone where he's really mean to his staff
Speaker 2: members or something?
Speaker 1: Yeah, so he he wrote an email and I guess
Speaker 1: you tell me what you think, and I'll tell you
Speaker 1: what I think. So he's I'm just gonna like paraphrase it.
Speaker 1: Steve Harvey wrote an email where he says like, let
Speaker 1: me see, maybe I can at least read one line
Speaker 1: of it so you can. Okay, good morning everyone, welcome back.
Speaker 1: I'd like you alterview and adhere to the following notes
Speaker 1: and rules for Steven Season five of my talk show.
Speaker 1: There will be no meetings in my dressing room. No
Speaker 1: stopping by popping or popping in no one all caps.
Speaker 1: Do not come to my dressing room unless invited. Do
Speaker 1: not open my dress room door. This is all caps
Speaker 1: right now. If you open my door. Expect to be
Speaker 1: removed and then back to regular My security team will
Speaker 1: stop everyone from standing at my door who has the
Speaker 1: intent to see or speak to me. I want all
Speaker 1: the ambushing to stop now. That includes TV staff. You
Speaker 1: must schedule an appointment. I've been taken advantage of by
Speaker 1: my lenience see lenient policy in the past. This ends now,
Speaker 1: all cats no more. Do not approach me while I'm
Speaker 1: in the makeup chair unless I ask to speak to
Speaker 1: you directly, either knock or use the doorbell. I'm seeking
Speaker 1: more free time for me throughout the day. Do not
Speaker 1: wait in any hallway to speak to me. I hate
Speaker 1: being ambushed. Please make an appointment. I promise you I
Speaker 1: will not entertain you in the hallway, and do not
Speaker 1: attempt to walk with me. If you're reading this, yes,
Speaker 1: I mean you. Everyone. Do not take offense to the
Speaker 1: new way of doing business. It's good for my personal
Speaker 1: life and enjoyment. Thank you all, Steve Harvey.
Speaker 2: I'm telling you, moms across America are laughing their asses
Speaker 2: off right now and desperately wish they had this letter
Speaker 2: and they could give it to their children. Like when
Speaker 2: moms across America just want to read a book or
Speaker 2: I don't know, go number two without anyone walking down
Speaker 2: in the bathroom.
Speaker 1: I want to go to my nephew today and we
Speaker 1: were playing, We're having a good time, and then I
Speaker 1: had to go pee girl because my sister, she of
Speaker 1: course was home because she has the niece and my
Speaker 1: niece and my nephew, so she's home. I just came
Speaker 1: to visit. I went to go to the bathroom. Close
Speaker 1: the door. You would have thought that like I stole
Speaker 1: his favorite toy. He was screaming outside the door like
Speaker 1: a bad like.
Speaker 2: Schu He didn't tell you can use the bathroom.
Speaker 1: And I was looking at her like, so, how do
Speaker 1: you peech? She's like I kind of don't. I just wait.
Speaker 1: He falls asleep. I was yo. He was losing his mind.
Speaker 1: I'm like, Roman, I'm just here. I'm just I just
Speaker 1: have to pee. He was just like, I don't care.
Speaker 1: I don't care what you have to do. We're playing,
Speaker 1: we're having a good time. Name pain And I'm like, wow,
Speaker 1: so so what do you think about? Like what's he asked,
Speaker 1: What's I.
Speaker 2: One hundred percent understand where he's coming from. I like
Speaker 2: last week, it just there was just we have a
Speaker 2: small open concept office. Okay, I've had open concept offices
Speaker 2: for my entire career. I feel like since I moved
Speaker 2: to New York, they're all the rage. You know, well
Speaker 2: no walls, no doors, just you know, everyone's collaborating and creative.
Speaker 2: But that shit gets so in and distracting, and like,
Speaker 2: sometimes you just need to sit in a quiet place
Speaker 2: and just focus on your work and not be distracted.
Speaker 2: And last week I got really frustrated and I was like,
Speaker 2: I'm just going to go across the hall to this
Speaker 2: room and just like lock myself in here and have
Speaker 2: some quiet time. And I understand completely like that, and
Speaker 2: I'm sure he is, like, you know, being Steve Harvey,
Speaker 2: being the boss of anything, people are constantly pulling you
Speaker 2: in a million directions and you need to have boundaries.
Speaker 2: I think the tone of this email I think would
Speaker 2: make me if I were if I were an employee
Speaker 2: and I got this email, I'd be like, well, I'm
Speaker 2: never talking to him again. I'm afraid of him, Like
Speaker 2: I wouldn't approach him at all. There's a lot of
Speaker 2: rules in here. How could you remember all this? Like
Speaker 2: I'd be like, wait, did he say that I could
Speaker 2: talk to him in the break room. I can't remember,
Speaker 2: or was yeah, only by the elevator, Like what you know,
Speaker 2: I think it was a little intense.
Speaker 1: Yeah, it's clear that this was written out of sheer frustration. Yeah,
Speaker 1: it's hard because when you have could this, this is
Speaker 1: what it read like to me, something happened, knee jerk reaction.
Speaker 1: I'm typing this the kermit type the team. But I
Speaker 1: completely understand and agree with the premise of what he's
Speaker 1: saying that basically, like because one like let's just say,
Speaker 1: you know, he's walking on the hallway and you're like
Speaker 1: sharing important information, Like I don't like, I'm the type
Speaker 1: that if you have to share something with me, I'm
Speaker 1: gonna need to write it down. You know, this is important,
Speaker 1: So like you sharing with me this is a casual walk.
Speaker 1: How do I process this part of the business while
Speaker 1: I'm not you know, I'm not in that mode if
Speaker 1: I'm sitting and getting my makeup done or hair done
Speaker 1: or whatever. So that I completely understand. Having time set
Speaker 1: aside to handle different tasks is important. So I completely
Speaker 1: understand that. But you're right. The tone was like, you're right.
Speaker 1: The tone was a little scary, but to me, as
Speaker 1: an entrepreneur. It reached of frustration versus that because people
Speaker 1: are like, oh, you know, Steve Harvey, it is too
Speaker 1: big for them, bredches. I mean, I'm not a huge
Speaker 1: Steve Harvey fan. I mean, I mean, you know, I'm
Speaker 1: kind of ambivalent. You know, I take the good the bag.
Speaker 1: But so I didn't think that he was sounding like arrogant.
Speaker 1: That's not what I read to me. To me, just
Speaker 1: read as extremely frustrated. Somebody must have done it again,
Speaker 1: and he was like, what you're not gonna do is
Speaker 1: you know.
Speaker 2: It sounds like he doesn't have a structure in place
Speaker 2: to where there's someone there to field those questions for him,
Speaker 2: Like maybe he has taken on too much of the
Speaker 2: responsibility behind the scenes for the show, and maybe everything
Speaker 2: requires his stamp of apparval or everything requires his input
Speaker 2: and he set it up to be that way and
Speaker 2: now it's coming back to bite him. Yes, it sounds
Speaker 2: like he needs like someone to help him, like he
Speaker 2: shouldn't be like you're the star of a show. I
Speaker 2: don't think Oprah was dealing with this crap. You know,
Speaker 2: I'm sure Oprah had a amazing like I've read somewhere
Speaker 2: listened to the making of Oprah that podcast you told
Speaker 2: me about, and it really sounded like her team did
Speaker 2: all the you know, was really doing the legwork, and
Speaker 2: so she could do she could do her own work
Speaker 2: and show up and be the best, you know, version
Speaker 2: of herself.
Speaker 1: Yeah, and you're right, that's exactly what it sounds like
Speaker 1: that he and I think a lot of entrepreneurs do that,
Speaker 1: that it's their baby, so they want to be included
Speaker 1: in everything, but they don't realize like, uh, if you're
Speaker 1: included and everything, that's everything. So everybody comes to you
Speaker 1: versus there's sort of like a like, you know, there's
Speaker 1: an order of operations, like okay, because that used to
Speaker 1: be me, but now I finally had to relinquish, and
Speaker 1: Sierra like my coo, she is that for me, Like
Speaker 1: I don't. I used to like everybody used to be like, hey,
Speaker 1: Tiffany hate Tiffany, hate Tiffany. And I'm like, well, I
Speaker 1: have to write this proposal or I have to prepare
Speaker 1: for the speaking engagement. And I couldn't because I was
Speaker 1: always feeling like can I go over by two hours
Speaker 1: because I'm not finished with this? And can I Now
Speaker 1: I don't deal with any of those things anymore. Sierra
Speaker 1: really is like, let me operate. I am the you know,
Speaker 1: chief operating officer, Like that's what I'm supposed to do.
Speaker 1: And I was afraid of because I'm like, well, what's happening?
Speaker 1: You know what's telling me things? And she's like, cause
Speaker 1: things are running smoothly, I can't tell you it has
Speaker 1: transformed everything. So yeah, he clearly has not. It's not
Speaker 1: just enough to say don't talk to me, because clearly
Speaker 1: these are conversations that need to be had.
Speaker 2: Yeah, who was the reason been coming to you?
Speaker 1: Exactly?
Speaker 2: You need to set up a note you can't just
Speaker 2: take away. And it also made me sounds like even
Speaker 2: if he has people in power, that they're not working
Speaker 2: together yep, because they should be able to resolve issues.
Speaker 2: It's like when your mom says, like when we used
Speaker 2: to call my mom fighting four kids on summer vacation
Speaker 2: at home by ourselves, ripping each other's throats out. We'd
Speaker 2: always call mom. Things would escalate and her response would be,
Speaker 2: work out amongst yourselves. I cannot handle this right now.
Speaker 2: Click you know, and we you know whatever, someone would die.
Speaker 2: Obviously we went to work. We wouldn't have a choice
Speaker 2: she had like removed herself from the from the from
Speaker 2: the situation, it sounds like he needs, Yeah, he needs
Speaker 2: like he has like a bunch of kids fighting or something,
Speaker 2: and they don't like there's not really anyone with authority
Speaker 2: besides him.
Speaker 1: Yeah. So I just thought that was like, I look
Speaker 1: like because people were really polarized on it, and I
Speaker 1: was like, oh, you know, let's talk about it.
Speaker 2: Well, I can tell you if it was a woman,
Speaker 2: it would be it would not even be polarizing. It
Speaker 2: would be like this bitch, this diva, blah blah blah,
Speaker 2: because it isn't not always the rumor about women and
Speaker 2: powers that they don't want you to look at them
Speaker 2: or talk to them or something and be totally misconstrued.
Speaker 2: But I mean he's problematic for other reasons.
Speaker 1: Yeah. So I was like, but to me, this, I
Speaker 1: was like, to be fair, I get it, although the
Speaker 1: delivery was a little wonky.
Speaker 2: Yeah, it sounds like he has bigger problems at play
Speaker 2: here exact right, I don't really, it's not really surprising.
Speaker 2: And in other news I just saw today, are we
Speaker 2: I can't help but feel like has the memo not
Speaker 2: gotten out that like rules against how young women should
Speaker 2: wear their hair in schools. Oh, being racist and marginalized
Speaker 2: students because I just saw another headline two young African American.
Speaker 2: Actually they may not be American, they would be Canadian.
Speaker 2: Oh no, Massachusetts. Yeah, so two young black female students
Speaker 2: at a charter school in Massachusetts were kicked off their
Speaker 2: sports teams and banned from attending prom because they had
Speaker 2: the audacity to wear their hair in like braids. Braids.
Speaker 1: I don't understand.
Speaker 2: This is just outside of Boston. Apparently this you know,
Speaker 2: charter schools, so they can make their own rules, right,
Speaker 2: Like they're kind of like an alternative to the traditional
Speaker 2: sort of public school system, right, is that how they
Speaker 2: basically work? So apparently these.
Speaker 1: Are public schools, yes, but there are public schools that
Speaker 1: are funded like differently yet, but they act outside of
Speaker 1: public schools kind of. But yeah, go ahead.
Speaker 2: So they apparently have the strict dress code and one
Speaker 2: of the rules is like, I actually want to read
Speaker 2: the policy because on its face it sounds it sounds
Speaker 2: racist or it sounds like discriminatory against African American African Americans,
Speaker 2: So I'll read this. It says a dress code policy
Speaker 2: on the student on the website says students cannot wear
Speaker 2: drastic or unnatural hair colors or styles such as shaved
Speaker 2: lines or shaved sides, or have a hairstyle that could
Speaker 2: be distracting. In parentheses, extra long hair or hair more
Speaker 2: than two inches in thickness or height is not allowed.
Speaker 2: This means no coloring, dyeing, lightning, or streaking if any sort.
Speaker 2: Hair extensions are not allowed, and on and on and
Speaker 2: on and on and on. So this basically completely bans
Speaker 2: any natural hair. Like my hair was like six inches
Speaker 2: tall right now, you know my natural hair, Like this
Speaker 2: is the hair I wash. I go out in the
Speaker 2: world and it becomes six inches high, So I would
Speaker 2: be banned. I would get kicked out of this school.
Speaker 1: But you know that's just crazy because it's like, I
Speaker 1: guess what really is so crazy to me. It's like,
Speaker 1: so that's like saying if your skin is brown, you
Speaker 1: cannot attend. You're like, well, girl, you know I was
Speaker 1: born like this, right, Like like my hair, I don't
Speaker 1: I'm not manipulating it to be this. It just is this.
Speaker 1: So what you're saying is that I have to be
Speaker 1: unnatural in order to be acceptable. That to me is
Speaker 1: just insane, crazy and totally racist. Oh lord, I'm weary. Right.
Speaker 1: You read some of these things and you're just like, oh,
Speaker 1: this world sucks.
Speaker 2: It's a it's a mad I mean where it's I mean,
Speaker 2: this was happening before the you know, current leadership changed
Speaker 2: in America. But it just makes everything seems much worse,
Speaker 2: doesn't it feel like everything that happens now, it's like
Speaker 2: and Trump is president. You can't even look for comfort
Speaker 2: at our black president anymore and have hope. Now it's
Speaker 2: like all signs are pointing too terrible.
Speaker 1: Yeah, and now it's time for brown break, brown boost,
Speaker 1: brown break, brown booths. I wish you could see me
Speaker 1: my shoulders that I'm doing like this hand thing. You
Speaker 1: can hear it right, Like brown break brown I'm doing
Speaker 1: like this little shoulder shindy and like you know, my
Speaker 1: hands are I'm giving jazz hands and they're like pumping
Speaker 1: the air. Brown break, brown booths.
Speaker 2: So just a really good picture.
Speaker 1: Yeah, so you could see me, you know, just a
Speaker 1: little something for the fans. I hope that was not
Speaker 1: too long. So I was telling Mandy before we started
Speaker 1: taping that Superman and I were at a home a
Speaker 1: first time Homebuyers class that he has to take in
Speaker 1: order to be certified and so he can get like
Speaker 1: a certain mortgage. And when we were in there, a
Speaker 1: guy comes up to me. He's like, oh my gosh,
Speaker 1: ire the budget Tista. I was like, Nista, but close enough,
Speaker 1: and so I can't remember his name. I think your
Speaker 1: name is Jamal. I can't remember though, because I have
Speaker 1: a bad memory. But anyway, he said he loved the podcast,
Speaker 1: you know, but we chatted too much in the beginning.
Speaker 1: I'm like, dude, like that's what we do. So I
Speaker 1: hope that wasn't too long for you, Jamal, I think
Speaker 1: you know it doesn't.
Speaker 2: You also want us to smile more or something.
Speaker 1: Now. He was really nice though, but he was like
Speaker 1: it's a great podcast and that you know, we're doing
Speaker 1: great work. So shots to you, even though I should
Speaker 1: have gotten your name down, but I'm sorry. You know
Speaker 1: who you are.
Speaker 2: It's okay.
Speaker 1: So are you breaking or are you basting?
Speaker 2: I'm gonna do a break and a boost. I feel
Speaker 2: like every break should be followed by a boost. That
Speaker 2: is the way it should be. So my I'm gonna
Speaker 2: take a break. So my break is going to be
Speaker 2: insurance deductibles. Now, I know you're all falling asleep right now,
Speaker 2: but I don't know if you've noticed if you have insurance,
Speaker 2: but like deductibles are becoming increasingly and I mean like increasingly,
Speaker 2: like record levels of health plans have deductibles where it's
Speaker 2: like you pay money for health coverage and then they're like, okay,
Speaker 2: thanks for your money. Now we're going to need more
Speaker 2: money before we actually start giving you insurance. And it's
Speaker 2: I've never had a plan until now. I guess I've
Speaker 2: been really fortunate that has a deductible. So when I,
Speaker 2: for example, my deductibles one thousand dollar, and that means
Speaker 2: anything beyond like my preventative care, like my little ten
Speaker 2: dollars copay or whatever it is, twenty five dollars copay
Speaker 2: for my physical or PAP smerror or whatever. Anything beyond
Speaker 2: that I have to pay out of pocket. So for
Speaker 2: the first time this year, I've really taken advantage and
Speaker 2: this is gonna be my boost. So the break is deductibles.
Speaker 2: I feel your pain, and I'm a single person. My
Speaker 2: deductible would be way higher if I were a family.
Speaker 2: I think the average I mean some plan, some plans
Speaker 2: for families, Like if you have a couple kids can
Speaker 2: easily be six seven thousand dollars deductible for the year.
Speaker 2: So if your kid, like you know, breaks their arm
Speaker 2: or they need like you know, you need, you need
Speaker 2: care beyond the preventative stuff that's covered you know, one
Speaker 2: hundred percent under the current healthcare law, which you know
Speaker 2: may change, then yeah, you have to pay out of
Speaker 2: pocket for that crap. So deductible's boo. So one of
Speaker 2: the quot should we get a lot of magnified money.
Speaker 2: And one of the things that I've learned, especially this
Speaker 2: year having a plan with a deductible, is how to
Speaker 2: get discounts for paying for out of pocket for services.
Speaker 2: So I realized and I should have known, because my
Speaker 2: dad has been playing this system for years because he's
Speaker 2: like hardly ever had health insurance. And when you pay
Speaker 2: cash for things, for example, I need I need to
Speaker 2: get a tooth taken out, which I've needed to taken
Speaker 2: like for a year. I've had to get this tooth
Speaker 2: taken out. I'm currently negotiating with my dentist to try
Speaker 2: and get a more affordable cash rate because my insurance
Speaker 2: isn't covering it, so they're giving me like five hundred
Speaker 2: dollars off what they would typically charge the ensure. Oh,
Speaker 2: and what I'm going to do? Well, what I tried
Speaker 2: to do. What I kind of did, but I didn't
Speaker 2: put enough in there. My plan was to put put
Speaker 2: enough money in my flex Savings account, my flexible savings account,
Speaker 2: which is an account you can create a lot of
Speaker 2: employers off for it, and you can put money into
Speaker 2: your FSA and it's pre tax dollars and you can
Speaker 2: use those pre tax dollars to pay for medical expenses, copays,
Speaker 2: even some over the counter medicines. Like I think I
Speaker 2: paid for allergy nasal spray and it was covered by
Speaker 2: my copay. I think they even covered a heating pad
Speaker 2: I bought one time I forget, you know, any anytime
Speaker 2: I go to a doctor, I use my FSA debit card.
Speaker 2: Or I pay for prescription, I use my FSA debit card.
Speaker 2: So my plan was to, yeah, I and I've really
Speaker 2: learned a lot about FSAs and I and I found
Speaker 2: out that my husband doesn't even use his FSA, and
Speaker 2: I'm like, we all need to have FSAs because I
Speaker 2: mean I even use it to buy my eyeglasses. So
Speaker 2: my glasses are one hundred bucks and buy you. By
Speaker 2: paying for my glasses with pre tax dollars, I'm basically
Speaker 2: saving like fifteen twenty percent. Depending on what your tax
Speaker 2: bracket is, it changes like how much you're actually taxed.
Speaker 2: So that's my boost for an FSA. If you if
Speaker 2: you even if you don't have a high deductible health
Speaker 2: care plan, if you buy things like glasses, contact Solution,
Speaker 2: even if you have to buy new contacts a couple
Speaker 2: of times a year, or you just want to, you know,
Speaker 2: get a little discount off your basic copays. I would
Speaker 2: highly suggest looking into getting an FSA, and it may
Speaker 2: seem complicated, but it's well worth it. And even some
Speaker 2: employers you can get your So some employers have an
Speaker 2: FSA where and this kind of sucks where you put
Speaker 2: the money in and either use it or you lose it.
Speaker 2: So at like decemberg rolls around, you're like, oh god,
Speaker 2: I gotta go to dayne read and get everything. But
Speaker 2: some employers are now so my employer, for example, we
Speaker 2: can roll over anything under five hundred dollars, so I
Speaker 2: have a little bit of a cushion. But if you
Speaker 2: sit down like I did, and I was like, Okay,
Speaker 2: I'm I had to get this tooth taken out, and
Speaker 2: I'm adding up, I'm kind of estimating how much I'm
Speaker 2: going to need for my healthcare expenses for the year,
Speaker 2: and I just put that onto my FSA and then
Speaker 2: hopefully it kind of all works out. So I'm going
Speaker 2: I'm negotiating the cash rate for paying out of pocket
Speaker 2: at my dentist, and then I'm also going to be
Speaker 2: paying with my FSA card and hopefully saving We'll definitely
Speaker 2: saving more on top of that.
Speaker 1: That's a great but you have me looking into it.
Speaker 1: I'm like, sit, man, let's say baby.
Speaker 2: And then if you have and just real quick, if
Speaker 2: you have a high deductible health plan, there's like a
Speaker 2: certain benchmark and it depends on whether you're and the
Speaker 2: I don't won't get into the nitty gritty, but basically,
Speaker 2: if you have a really high deductible like mine's only
Speaker 2: a thousand, that's not considered a high deductible. If you
Speaker 2: have a high one, then you probably have what's called
Speaker 2: an HSA, which is a health savings account, which is
Speaker 2: very very similar to an FSA. It's where you put
Speaker 2: money in your account before taxes come out. So you
Speaker 2: can have tax free money to use for your out
Speaker 2: of pocket healthcare expenses. But the better thing about the
Speaker 2: HSA is that you can take it with you. Doesn't
Speaker 2: there's no you know, use it or lose it rule.
Speaker 2: So definitely, and if you guys have we don't really
Speaker 2: get a lot of questions about the cost of health care,
Speaker 2: and I feel like that's it's definitely something that people
Speaker 2: out there are dealing with. So if you guys have
Speaker 2: any you know, medical or you know debt situations, even
Speaker 2: that's a huge and common problem that people have as
Speaker 2: medical debts. So if you guys have any issues like that,
Speaker 2: don't be a stranger.
Speaker 1: Don't be a stranger.
Speaker 2: Oh, I guess I should say where you can send
Speaker 2: questions to. Yeah, just go to Brown Ambition Podcast dot
Speaker 2: com or email us at Brown Ambition Podcast at gmail
Speaker 2: dot com dot com.
Speaker 1: I'm back. So I'm gonna boost. I'm gonna boost, and
Speaker 1: my boost is going to be black girls. And here's why.
Speaker 1: So I'm not sure how I feel about the title,
Speaker 1: but Forbes just put out an article today and the
Speaker 1: name of the article is the next trend in leadership
Speaker 1: Black Women. And I feel a little somehow about the word.
Speaker 2: Trendla women are in now, I know, let's let's promote them.
Speaker 1: Yeah. So I'm like, I don't know, I find like
Speaker 1: the word trend, but I you know, I definitely want
Speaker 1: to say that there is definitely this surge in not
Speaker 1: in black girl magic and blacker awesomeness because clearly it's
Speaker 1: been here, but the surge and recognizing it. And so
Speaker 1: the article, I guess the person who wrote it, they
Speaker 1: attended several like either conferences or events, and one of
Speaker 1: the events I was part of it was for this
Speaker 1: company called genie Box. It was at Google in New York,
Speaker 1: and they had like a I forget the name of
Speaker 1: the group at Google. It was like either Black Women
Speaker 1: in Tech or something to that effect, and they invited
Speaker 1: genie Box, and genie Box invited me and a bunch
Speaker 1: of other awesome, amazing women to speak and I got
Speaker 1: to do a keynote, which is pretty awesome. And it
Speaker 1: just was dope because there was all these different type
Speaker 1: of just all this brown ambition in the room representing
Speaker 1: whether it's like there was Veronica Web, for example, who
Speaker 1: is a supermodel, one of the original supermodels, but then
Speaker 1: there were also women in business we were like, and
Speaker 1: then there was Jamila LaRue. She's like an editor, she's
Speaker 1: been an editor at Ebony for a long time, and
Speaker 1: so there were just all these amazing women who were there,
Speaker 1: and I just think that I just want to give
Speaker 1: a boost to that that in all of this darkness,
Speaker 1: there's this bright brightness in brown girl awesomeness and black
Speaker 1: girl awesomeness. And it was just nice to see, even
Speaker 1: though I didn't like the whole fact that it was
Speaker 1: a trend. Like I said, we've been out here, we've
Speaker 1: been here, but finally y'all are starting to recognize. I
Speaker 1: mean not y'all, because you know, y'all are brown ambition,
Speaker 1: but y'all as in the world at large is starting
Speaker 1: to recognize. All right, So that's brown, my brown booths,
Speaker 1: black women and that Forbes articles sand the trend part
Speaker 1: absolutely Monday.
Speaker 2: So shall we move on to our question?
Speaker 1: Yes, question, So you can come back now, Jamal, even
Speaker 1: if that's not your name, that's your name now, so
Speaker 1: you can come back now. We're gonna stalk.
Speaker 2: He's like, it's Jeffrey, but thanks budget Tista.
Speaker 1: Why He's like, you know what, I'm purposely calling you
Speaker 1: that for now.
Speaker 2: He wanted you to know that you as a fan,
Speaker 2: but like not such a fan that you would get
Speaker 2: your name right?
Speaker 1: Why is like that? Oh my gosh, all right, so
Speaker 1: question questions.
Speaker 2: Yes, so today's question just comes. We'll just call her
Speaker 2: g since I'm not sure if she wants to be
Speaker 2: out there or not. She has a question about refinancing
Speaker 2: her student loans. Oh, she just saysn't it's fine to
Speaker 2: use my name, thank you. Her name is Grace. I
Speaker 2: love that name me too, Grace a pretty name. Okay,
Speaker 2: Gray says, I'm considering refinancing my student loans, federal student loans.
Speaker 2: I have a little over thirty seven thousand dollars perfectly normal,
Speaker 2: with an interest rate of six point eight percent and
Speaker 2: over one hundred payments left. My question is, I'm worried
Speaker 2: about the security of this public service student loan forgiveness
Speaker 2: program and this potential seven to eight year window that
Speaker 2: I have left. And just as a side note, if
Speaker 2: you guys aren't familiar, if you have federal student debt
Speaker 2: and you work for a nonprofit or a public organization
Speaker 2: of government organization, basically, after making one hundred and twenty
Speaker 2: on time payments for your federal student loans. You are
Speaker 2: supposed to be eligible for public student loan forgiveness. And
Speaker 2: I don't know if you guys caught this, but about
Speaker 2: a month ago, I want to say, but maybe yeah,
Speaker 2: April or March, there was this big story in the
Speaker 2: New York Times. I don't think it got very much attention,
Speaker 2: but basically, the public student loan forgiveness program came about
Speaker 2: in two thousand and seven.
Speaker 1: That was.
Speaker 2: About ten years ago, and obviously one hundred and twenty
Speaker 2: on time payments is ten years. So the first class
Speaker 2: of people who were supposed to be eligible for this
Speaker 2: public student loan forgiveness that they've been promised, you know,
Speaker 2: for the past decade came forward. Obviously, they're starting to
Speaker 2: come forward and be like, so how about that student
Speaker 2: loan forgiveness? Can I get these loans taken care of?
Speaker 2: And it turns out that a lot of them are
Speaker 2: finding out that their jobs didn't qualify or this one
Speaker 2: job did qualify, but then when you move jobs, they didn't.
Speaker 2: And so they're finding out that it's not as you know, shockingly,
Speaker 2: that it's not as that it's not as cut and
Speaker 2: dry and easy to get that public student loan forgiveness
Speaker 2: as it's they sort of make it seem and it's
Speaker 2: kind of a complicated thing, and you have to make
Speaker 2: sure that your employer is sending every year that your
Speaker 2: employer still counts under the public student loan forgiveness program,
Speaker 2: which you can figure out by calling your loan servicer
Speaker 2: directly and discussing it. And you also have to reapply
Speaker 2: I think every year get your I think you have
Speaker 2: to be enrolled in the income driven Repayment plan. And
Speaker 2: when you're enrolled in income driven Repayment Plan, you have
Speaker 2: to call over or not call every year, but you
Speaker 2: have to recertify your enrollment every year, which I think
Speaker 2: mainly it means you go to the website and you
Speaker 2: submit your income once again, and then they just sort
Speaker 2: of say, okay, cool, you're still enrolled in this plan.
Speaker 2: And you had to keep doing that for ten years.
Speaker 2: So anyway, I had to give all that back that background,
Speaker 2: I guess to sort of like set up the context
Speaker 2: for what her question is. So she says, she has
Speaker 2: one hundred and seven payments left, and now she's worried
Speaker 2: about the security of this public student loan forgiveness program
Speaker 2: because she still has about eight years left. She shows
Speaker 2: that if I forgive my loans, I'll be able to
Speaker 2: defer twelve thousand dollars of the total loan balance plus interest.
Speaker 2: But if I were to refinance my loans, that would
Speaker 2: save me six to ten thousand dollars over the lifetime
Speaker 2: of the loan right now, So I'm wondering if it
Speaker 2: isn't in my best interest to stick it out and
Speaker 2: wait for the public service forgiveness and hope Congress doesn't
Speaker 2: pull it, or should I just switch over now with
Speaker 2: our current political climate, I have six month of income
Speaker 2: saved for a rainy day, so I'm less concerned about
Speaker 2: the benefits of deferment and more concerned about overall payments
Speaker 2: towards the loans.
Speaker 1: Does she say how much? How much would be forgiven
Speaker 1: at the end.
Speaker 2: So yes, so her she's looked at her schedule and
Speaker 2: it says that if she were to have if she
Speaker 2: were to wait and stick, keep making her payments and
Speaker 2: then wait for the next seven eight years to go
Speaker 2: buy and get the rest of her debt forgiven, she
Speaker 2: would save twelve thousand dollars, and that includes the leftover
Speaker 2: balance plus interest. So she stands to save twelve thousand
Speaker 2: dollars potentially if this public student loan forgiveness program goes
Speaker 2: perfectly for her, if she refinances and gets a lower
Speaker 2: interest rate. Remember her interest rate on this three seven
Speaker 2: thousand dollars loan is six point eight percent, which is
Speaker 2: quite high. Yeah, so if she were to refinance, she'd
Speaker 2: be saving between six and ten thousand dollars over the lifetime.
Speaker 1: Of the loan. Okay.
Speaker 2: And this is actually it's an interesting question because my Enrique,
Speaker 2: my husband, is going through the exact same thing, that
Speaker 2: same conundrum, because he's got he's got about twenty thousand dollars.
Speaker 2: He's in a bit better shape because only one of
Speaker 2: his loans is at six percent, but he's got about
Speaker 2: twenty thousand dollars. And we just asked our planner. We
Speaker 2: keep going back and forth. We just asked her finally,
Speaker 2: you know, is it a good idea, like should we
Speaker 2: count on this public student loan forgiveness or should we
Speaker 2: just go ahead and aggressively pay it down and just
Speaker 2: get rid of it? And I think she's done the
Speaker 2: right thing by actually doing the math first. And I'm
Speaker 2: gonna I mean, it's really up to you. It's sort
Speaker 2: of I would say, I'll tell you what our planner says. Okay,
Speaker 2: she's a certify financial planner. I'm putting you on the spot. Helen.
Speaker 2: She said, I would not count on this government program
Speaker 2: being there seven to eight years down the line. I
Speaker 2: would not put I would not bet on it. Anything
Speaker 2: can happen. And this was an O the error policy.
Speaker 2: Anything happened to this program.
Speaker 1: Because there's a program like this before Obama reinstated it,
Speaker 1: and I applied for it when I was still teaching
Speaker 1: preschool and President Bush had dismantled it. So when I
Speaker 1: went to go apply, they're like, oh, yeah, under this
Speaker 1: president's no longer. So that's very real because I remember
Speaker 1: being a teacher. This is before you know, it's over
Speaker 1: ten years ago, and I remember trying apply for because
Speaker 1: I'm like, oh, I'm a teacher. I teach in Newark.
Speaker 1: I totally qualify and it's not only my teacher, but
Speaker 1: it's also a nonprofit double whammy. And they were like, yeah,
Speaker 1: unfortunately this program is no longer in existence. I'm like, wait, what,
Speaker 1: So that's a very real fear so question. So the
Speaker 1: she refinancing with the federal government or with a private
Speaker 1: student loan company.
Speaker 2: So when you have federal student loan debt, you actually
Speaker 2: can't refinance it. You have to do a debt consolidation.
Speaker 2: And it's actually not a good option for her because
Speaker 2: all that happens when you consolidate your debt through the
Speaker 2: direct loan program the federal program is that they take
Speaker 2: the average of your interest rates. So it sounds like
Speaker 2: all her loans are six point eight percent. So she's
Speaker 2: not gonna save anything. So her question, her second question
Speaker 2: is if I do refinance, how do I pick a
Speaker 2: refinancing option. So this is where these new lenders, these
Speaker 2: new alternative refile lenders come in, Like so far common bond,
Speaker 2: this is what they're doing. They're taking people's student debt
Speaker 2: private and federal and bundling it into one loan and
Speaker 2: then they give you a reduced interest rate and that's
Speaker 2: how you save. And of course, the pros and cons
Speaker 2: of refinancing student loan debt, which we've talked about before,
Speaker 2: but just real quick, the pros Obviously, you save money
Speaker 2: on interest because it's awesome and it can help you
Speaker 2: get better organized, like if you go to school, if
Speaker 2: you go to college for four years, you have a
Speaker 2: loan every semester. That's like eight loans when you graduate,
Speaker 2: and people may and it's hard to keep track, and
Speaker 2: so it's easy if you just refinance everything into one
Speaker 2: individual loan at a lower rate than obviously it just
Speaker 2: makes things easier to manage. But when you do that,
Speaker 2: you have to understand, especially if it's federal loan. If
Speaker 2: it's a federal student loan, then you're going to give
Speaker 2: up your flexible repayment options because you're swapping out your
Speaker 2: federal student loan for a private loan. These companies are private,
Speaker 2: and that's just something to consider too. So if you
Speaker 2: feel like you are struggling to make payments as it is,
Speaker 2: you just have to think about it. There won't be
Speaker 2: a safety net necessarily, there's no you know, private lenders
Speaker 2: don't have forbearans or deferment. You know, they may, but
Speaker 2: it's at their own discretion. It's not like the government
Speaker 2: where it's set in stone. But so my planner basically said,
Speaker 2: don't count on it, just go ahead and pay it off.
Speaker 2: And that's my personal thing. I like the active approach
Speaker 2: to paying down debt. I don't feel like and it
Speaker 2: also just kind of feels like we're relying on like
Speaker 2: we're in a position where we can pay it down.
Speaker 2: You know, it's not like we're really struggle, Like we
Speaker 2: can afford to put extra payments on it. So I'm like,
Speaker 2: why not just do it? You know, we took out,
Speaker 2: you took out the debt. You know, you got the
Speaker 2: services that you needed the debt for, you got your education.
Speaker 2: Let's just pay it down because we can. And it
Speaker 2: sounds like Grace isn't a good situation too financially. She's
Speaker 2: got six months and then come safe for a rainy day.
Speaker 2: It sounds like she maybe could afford to be putting
Speaker 2: a little bit more towards her debt and paying it down.
Speaker 2: So I could see how she maybe would, you know,
Speaker 2: take a similar approach and maybe not count on this
Speaker 2: program being around and just kind of pay things free
Speaker 2: finance to get a lower rate and then just sort
Speaker 2: of attack her debt a little bit more aggressively.
Speaker 1: Yeah, I mean, yeah, I mean I agree honestly, because
Speaker 1: you know, just because seeing how a program like this
Speaker 1: can be here and then not here, it's definitely you
Speaker 1: don't want to I mean, it's a long time. If
Speaker 1: you told me six months or something, I might be like, oh,
Speaker 1: you know, but like seven to eight years, I mean,
Speaker 1: who knows we can have armageddon? Then we've already had
Speaker 1: them again and it's called the elections. That I'm done, Chang,
Speaker 1: I'll be here all night. But yeah, now I.
Speaker 2: Agree, And I can post if you guys are out
Speaker 2: there and you're wondering what some great student loan refi
Speaker 2: options are, we have amazing resources. I can post some
Speaker 2: links to if you go to our website Brand Ambition podcast.
Speaker 2: Every episode on the website, sometimes I'll post some links
Speaker 2: to to stuff we talk about, so I can post
Speaker 2: a couple of helpful articles and her her very last
Speaker 2: question was how do I decide between a fixed or
Speaker 2: variable rate loan when I'm going to refinance? So typically
Speaker 2: variable rate loans have a lower rate, right, Yeah, they're
Speaker 2: a little bit You really need to read the fine
Speaker 2: print when it comes to variable rates because variable it
Speaker 2: means it can change, and they could they could say
Speaker 2: it's going to be you know, one point two percent
Speaker 2: for the first six months, and then we're going to
Speaker 2: start jacking up every six months after that, yep, And
Speaker 2: you just have to sort of read the fine print
Speaker 2: and see if you're really going to be saving fixed rates.
Speaker 2: You have the comfort of knowing that you're going to
Speaker 2: lock it in and they can't change it around on you.
Speaker 1: Yeah, and that's I was gonna say, Like variable It
Speaker 1: sounds great at first because you're like, ooh, so low,
Speaker 1: but then you know if it's like usually typically a
Speaker 1: variable will be like variable for a year, five years
Speaker 1: or whatever, and then it could be whatever, and that's
Speaker 1: the scary part. I prefer fixed. I remember my first
Speaker 1: mortgage was it was one of those. It was like
Speaker 1: it started off as fixed and then it could be
Speaker 1: variable like five years later, and you know, I lost
Speaker 1: the house before it got to that. But I was like, yeah,
Speaker 1: we're never going to do that again because it was
Speaker 1: a little bit scary because I didn't even know if
Speaker 1: I was going to be able to afford it later.
Speaker 1: And so I typically leaned toward fixed unless it's something
Speaker 1: that I know I'm going to be out of before
Speaker 1: that that rate change is going to go to a back. Yeah.
Speaker 2: I was just going to say that if you if
Speaker 2: you look at the variable rate terms and you're like,
Speaker 2: I can pay that down in three years, then yeah,
Speaker 2: do it, because you know they tell you that it's
Speaker 2: going to be a certain rate for three years and
Speaker 2: it'll get jacked up after that. Then if you're sure
Speaker 2: you can do it in three years, definitely, But if
Speaker 2: especially for you know, you have thirty seven thousand dollars
Speaker 2: in debt, I don't know if you'll be able to
Speaker 2: do that and you know before those variable rates start
Speaker 2: to change, So it might be smarter to go with
Speaker 2: the fix just to lock it in. And I think
Speaker 2: it's usually with so FI because I'm most familiar with
Speaker 2: so FI and their their REFI their student loan refis.
Speaker 2: I think that the difference between the fix and the variables,
Speaker 2: like a percentage or two, not super terribly different. Yeah,
Speaker 2: hopefully that was helpful.
Speaker 1: I hope yes, I was gonna say it.
Speaker 2: Wasn't super I hope it wasn't really confusing. But it
Speaker 2: was an excellent question. And if you guys have any
Speaker 2: more questions public student loan forgiveness that that New York
Speaker 2: Times article had me shocked because out I thinking, for
Speaker 2: the past how many years have I been writing like
Speaker 2: six my entire career as a personal finance reporter and editor,
Speaker 2: I've been talking about this public student loan forgiveness program.
Speaker 2: And there's this now there's this huge question mark over it.
Speaker 2: And I'm interested if any of our listeners have had issues,
Speaker 2: If you're part of the class of two thousand and
Speaker 2: seven and you're coming forward to try and get your
Speaker 2: loans forgiven. If you're having issues, definitely send us an email.
Speaker 2: It's Brown Vision Podcast at gmail dot.
Speaker 1: Com dot com.
Speaker 2: You are on it tonight.
Speaker 1: I I am.
Speaker 2: She's back.
Speaker 1: Do you want to take another question or do you
Speaker 1: want to wrap it up with wins?
Speaker 2: Let's wrap it up with some wins.
Speaker 1: All right, I gotta win. I gotta win. Let's hear so,
Speaker 1: I've got to win. We talked about this a little
Speaker 1: bit earlier, but I want to give a shout out
Speaker 1: and I'll win to let me get their names right.
Speaker 1: Let's see if my Nigerian ancestry will allow me to
Speaker 1: keep my Nigerian car by getting their names right. So
Speaker 1: two Nigerian sisters created sunscreen for black skin. Let that
Speaker 1: sink in no pun intended. I'll be here all night.
Speaker 2: So so.
Speaker 1: Nigerian girls, Oh, look, they look like I think they're Ebo,
Speaker 1: which is what I am. Chi Nello Chi Dosi and
Speaker 1: ndd Obidoa. Hey, Yes, Okay, So these two Nigerian sisters,
Speaker 1: they wanted to create one. What I love is that
Speaker 1: they wanted to. We spoke about Avida and her her
Speaker 1: lipstick last podcast, and I just love when folks create
Speaker 1: things that know not only create a profit for themselves,
Speaker 1: but there's a purpose behind it. So one they wanted
Speaker 1: to They wanted to create, you know, this awesome product
Speaker 1: for women of color, for brown girls like us, but
Speaker 1: also they wanted to support communities that produce shae nuts,
Speaker 1: which is what they use in their products, and in
Speaker 1: Burkina Fossil, which is a very very very poor country
Speaker 1: in West Africa. And so here's how it goes. Let's see.
Speaker 2: So yeah, for the listeners who don't know, why would
Speaker 2: people why would African American women need their not just women,
Speaker 2: but like why do black people need their own sunscreen? Like?
Speaker 2: What is it about regular sunscreen that may not work?
Speaker 1: So they said that they were getting complaints from customers
Speaker 1: about hyper pigmentation, which is the discoloration of darker skin
Speaker 1: due to sun exposure. So I get this, I mean
Speaker 1: a lot of us get it. Sometimes you'll get hyperpigmentation
Speaker 1: because of acne basically where our scars are darker. Right,
Speaker 1: So if I get a pimple and I don't treat
Speaker 1: it right, I can get this like dark spot that
Speaker 1: will last forever, it seems like so. But also too,
Speaker 1: I used to play tennis and I was always out
Speaker 1: in the sun, and I found that I was also
Speaker 1: getting dark patches, so hyper pigmentation due to sun exposure.
Speaker 1: So they said, well, you know, what can we do
Speaker 1: about it? And there's a quote here a lot of
Speaker 1: black people don't wear sunblock because they don't see the
Speaker 1: damage immediately. There was an issue with education around sunscreen
Speaker 1: and black community. So true. And even though skin cancer
Speaker 1: doesn't affect people of color as much as it affects
Speaker 1: other people, it makes it even more dangerous because it's
Speaker 1: often not caught until then it's vanced stage, which I
Speaker 1: you know, which is totally true. Also too, she found
Speaker 1: that when you know, you put on some black we've
Speaker 1: all had this, if you've got brown skin, that it
Speaker 1: was just like you know, at leads, like that white
Speaker 1: mask you know, like on your skin, So it looks
Speaker 1: kind of weird. So the sunblock that they developed, it's
Speaker 1: more like a moisturizer than a sunscreen. It's cream colored
Speaker 1: it's like a serum and it dries clear on your
Speaker 1: skin instead of that white like film that most sunscreens leave. Honestly,
Speaker 1: it's a lot of reasons why it was hard for
Speaker 1: me to find a sunscreen because I'm like, because sunscreen
Speaker 1: lads so thick on my skin and it left me
Speaker 1: look looking like a ashy. Yeah, it was really weird.
Speaker 1: And so I'm just really excited about it because one
Speaker 1: the packaging looks amazing.
Speaker 2: Wait what's it called?
Speaker 1: Yeah, Bolden b O L D E N Bolden. It's
Speaker 1: made with one hundred percent actual shade oil and vitamin E.
Speaker 1: It looks like they've got a butter mint, oh, a
Speaker 1: sweet vanilla and unscented it just honestly, it's looking a
Speaker 1: little awesome. So I definitely want to try this product.
Speaker 1: And so yeah, so Bolden by Chinello Chi Doosi and
Speaker 1: indidi Obidoa. And I'm just really excited because I would
Speaker 1: have never thought, like, how genius is that? Hey, sunscreen
Speaker 1: for women of color? Oh like, because you know, you
Speaker 1: don't think of sunscreen and us together, but you should.
Speaker 1: And you know, as I've gotten older, like one of
Speaker 1: my one of my friends, her name is Felicia. She's
Speaker 1: got a brand called This That Beauty, and she really
Speaker 1: talks about why women of color really need to be
Speaker 1: using sunscreen, because you know, we think that we don't,
Speaker 1: but that's just do we have a natural melanin is
Speaker 1: a natural defense against the sun's damaged certainly, but it
Speaker 1: is not the cure all for all things sun, you know,
Speaker 1: and so like just to see like these women like
Speaker 1: this is really innovative and the fact that this sunscreen
Speaker 1: not only just addresses you know, sun, protecting you from
Speaker 1: some of the sun's damaging rays, but also addressing hyperpigmentation
Speaker 1: and just moisturizing you so you don't look ashy in
Speaker 1: these streets, in these beaches. So go get you some Bolden.
Speaker 1: I think this is awesome.
Speaker 2: Awesome Bolden mm hm Bolden? Is it BOLDENUSA dot com?
Speaker 2: Is that their sight?
Speaker 1: Mom? I'm like, is it out yet?
Speaker 2: I feel like I don't see it on their website,
Speaker 2: but this looks like them too, Nigerian women Bolden Boldusa
Speaker 2: dot com.
Speaker 1: Okay, yes it is yep, BOLDINGUSA dot Com.
Speaker 2: Yep. Cool. That's a good one.
Speaker 1: Yeah, it was a good one. No win win for
Speaker 1: the Nigerian street.
Speaker 2: So I'm gonna do my win this week. I'm gonna
Speaker 2: give good Win. I think he was my win the
Speaker 2: first like few episodes of the podcast, because that was
Speaker 2: what Master of None hit the Netflix airwaves in twenty fifteen,
Speaker 2: and they are back with their new season. It just
Speaker 2: got released on the weekend, and you know, I watched
Speaker 2: the entire thing on that rainy Saturday at home. But
Speaker 2: this is a Zezonzori show, if you guys don't know,
Speaker 2: called Master of None, and it's on Netflix, and it
Speaker 2: is just I can't I can't exp mean. I feel like,
Speaker 2: if you are a person of color and you live
Speaker 2: in New York or anywhere, really like you watch this show.
Speaker 2: It is so different and it is so good, and
Speaker 2: it's so clearly written by writers who know what it
Speaker 2: is like to be you know, knows what the experience
Speaker 2: is like to be a person of color. And not
Speaker 2: only that they know what it's like to be a
Speaker 2: person of color, but that they actual high they actually
Speaker 2: hire writers who are like the characters that they're writing.
Speaker 2: They hire such a diverse cast and the storytelling is
Speaker 2: so good. You know, I don't know if if you
Speaker 2: haven't watched the new season yet, have you Master of None.
Speaker 2: So Aziz Ansari plays like this. He plays like a
Speaker 2: struggling actor in New York. Not he's like a funny
Speaker 2: struggling actor. He was like famous for doing a gogurt
Speaker 2: commercial and and anyway, but he's kind of like floundering
Speaker 2: dating in New York. It's not working out for him.
Speaker 2: And he has this like really interesting cast of friends,
Speaker 2: not cast, but like the types of friends that like
Speaker 2: you like have in real life. Like he has one
Speaker 2: of his best friends since childhood is this like super
Speaker 2: tall lesbian woman, and then he has his Indian American friends,
Speaker 2: and his family comes on the show a lot, and
Speaker 2: so he talks about like the immigrant experience. And then
Speaker 2: he does an entire episode around what it was like
Speaker 2: for his is black female lesbian best friend to come
Speaker 2: out to her mother. There was just, I mean a
Speaker 2: whole half hour episode dedicated to and it was a
Speaker 2: beautiful episode, like with where Angela Bassett played her mother.
Speaker 2: Oh and they got the mom from sister sister to
Speaker 2: play an I forgot her name so when I saw her,
Speaker 2: I screamed.
Speaker 1: I was like, oh my god.
Speaker 2: Anyways, but he did a whole episode about his friend
Speaker 2: Denise and how she came out to her mother, you know,
Speaker 2: during Thanksgiving, and then it tells like the evolution of
Speaker 2: their relationship and it's just it's not like any other
Speaker 2: show out there, and it's just so nice. It's just
Speaker 2: I don't know, it's just refreshing and it's smart and
Speaker 2: it's funny as hell. And shout out to his ease
Speaker 2: and his staff of writers. And this season he even
Speaker 2: has an episode where he features uh a deaf couple
Speaker 2: or no, the woman is deaf and the guy they speak.
Speaker 2: The whole episode is like whenever they're in the scene together,
Speaker 2: it's completely silent and they're just doing asl and and
Speaker 2: there's captions and I've never seen anything like that on TV.
Speaker 2: And I learned a lot just from watching that. And
Speaker 2: and you know, they're having an argument about their sex life,
Speaker 2: and it's like he's he's he's portraying people and he's
Speaker 2: like really honest and you know, human ways, And it
Speaker 2: feels like I shouldn't have to be that grateful for
Speaker 2: it in twenty six seventeen, but it is so different
Speaker 2: and so fresh, and I just I need all y'all
Speaker 2: to go watch it.
Speaker 1: I just love that, like that's what happens when people
Speaker 1: who look like you write stories about people who look
Speaker 1: like you.
Speaker 2: I mean, I don't think it sounds so simple, and
Speaker 2: yet it is so like ah.
Speaker 1: Yes, yeah right, Like I remember when Damon Wade, Matt
Speaker 1: Damon Wade, look at me, child, you know, I'm tired
Speaker 1: when Damon oh he plays Jason Bourne.
Speaker 2: What's the name, Matt Damon Yeah.
Speaker 1: Day yo, I'm an old lady for real. So Matt Damen,
Speaker 1: Damon Wade. So I remember when Matt Damon close. Yeah,
Speaker 1: people were complained because he was like doing some movie
Speaker 1: about like I don't know, people of color.
Speaker 2: Well, he was in a yeah, he played a he
Speaker 2: was like the white savior in a movie about the
Speaker 2: cour Wall of China or something.
Speaker 1: Yeah, and he was basically like no, like representation just
Speaker 1: basically means they're in the movie. They don't have to
Speaker 1: be writing the script too. I'm like, are you eving
Speaker 1: kidding me?
Speaker 2: The I remember, yeah, you know what we're talking about.
Speaker 2: This was when he and Ben Affleck had that show
Speaker 2: and they was like, I forget what the show was,
Speaker 2: but there was like an African there's like a black
Speaker 2: woman director who was calling them out for not casting
Speaker 2: like yeah, brown people I write, yeah to write or
Speaker 2: like be in a show, And he was saying that
Speaker 2: didn't matter who the writers were. Basically, are you kidding?
Speaker 2: But if you just have them on the screen, it's fine.
Speaker 1: That to me, it's like that is so I mean,
Speaker 1: it's sometimes I want to be like, do you don't
Speaker 1: feel the white privilege branded on your chest? Like that
Speaker 1: is so ridiculous. That's like me saying I'm going to
Speaker 1: write a story about what it was like growing up
Speaker 1: in your household and I don't even know you. That
Speaker 1: would be ridiculous. But that's literally what you're saying. I'm
Speaker 1: just like, how do people not hear themselves? How do
Speaker 1: you not hear? I guess it's very difficult when you
Speaker 1: live in the privilege to kind of see the privilege.
Speaker 1: But like, there was this great post today that was
Speaker 1: floating around Facebook. It was this young white girl from
Speaker 1: she was in college and she was like I posted
Speaker 1: this picture and then she was like this is white
Speaker 1: privilege and accent. She was like I walked around campus
Speaker 1: with the sword and everybody thought, how cute this white
Speaker 1: girl with the sword, Like on campus, you know, she
Speaker 1: was like, I was playing with it, and I was like,
Speaker 1: I'm the whatever whatever reason. She had a sword, like
Speaker 1: a sword, a real sharp, live sword everything. It was
Speaker 1: cute taking pictures for the GRAM. Meanwhile, I think like
Speaker 1: a gentleman was on camp, a young black man was
Speaker 1: on campus and had a glue gun shut the whole
Speaker 1: campus down, Oh my god. And I was just like,
Speaker 1: she's like, so, how that is white privilege that I
Speaker 1: can walk around with a literal sword and a glue
Speaker 1: gun shuts the campus down because it's in a black hand.
Speaker 1: And I'm just like, I just don't understand. I'm like,
Speaker 1: I get it's hard because there's certain privileges that I
Speaker 1: enjoyed that sometimes it's hard for me to see because
Speaker 1: I enjoy them, but like when they're so blatant and
Speaker 1: obviously in your face, I'm like, are you are you
Speaker 1: perpetually up to or are you just like I enjoy
Speaker 1: it too much, I don't want to let it go,
Speaker 1: you know, like you just I just don't see how
Speaker 1: you can think that you writing about a story or
Speaker 1: a or an experience that you have not experienced, how
Speaker 1: that does not seem weird to you? Like, yeah, I
Speaker 1: don't know, I'm not being this black woman, but I'm
Speaker 1: gonna totally write her story because I mean, we're all human,
Speaker 1: are you crazy? So just yeah, see this is where
Speaker 1: I try not to like cause I'm just like lately,
Speaker 1: I've just been like, yo, honestly, I'm like, has the
Speaker 1: world always been like this?
Speaker 2: Or but you know, we need and I think just
Speaker 2: shows like Master of None. We also had Insecure this year. Yeah,
Speaker 2: they're changing the game, and I feel like the fact
Speaker 2: that they're actually hiring diverse writing staff, Like I really
Speaker 2: read the show credits on Azisa's show, and either he
Speaker 2: writes the show on the episode I talked about where
Speaker 2: it was a story of his black lesbian best friend
Speaker 2: coming out to her family. Like that actress who is
Speaker 2: a black lesbian in real life, was a co writer
Speaker 2: on that episode. So it's like he's giving someone a
Speaker 2: pen and saying, here, I don't know what it was like,
Speaker 2: you tell me that simple act in none of itself
Speaker 2: is like sadly revolutionary and we need more of it.
Speaker 2: I was just talking to my best friend as Vietnamese
Speaker 2: Chinese mix, and she was going on about she went
Speaker 2: to see or there's this musical on Broadway called Miss Sagon, Right, now,
Speaker 2: which is about a Vietnamese prostitute who falls in love
Speaker 2: with a white soldier American soldier during the Vietnam War,
Speaker 2: and like, this is my best friend. She was a refugee.
Speaker 2: She moved here when she was four, her parents brought
Speaker 2: her here. Like she's like, that's not my experience, that's
Speaker 2: not the kind of you know in the actress playing
Speaker 2: this a Vietnamese prostitutes Filipino, you know, and the two
Speaker 2: writers of the play are two white guys, you know.
Speaker 2: And she's just you know, outraged, and she's like and
Speaker 2: we were just like we need to just write, you know,
Speaker 2: you need. The only way to to change it is
Speaker 2: they're not going to change. Like people are still going
Speaker 2: to buy tickets, you know, they're not going to change.
Speaker 2: We need to be out there telling our own stories, writing,
Speaker 2: hiring people that you know, have personal experience, and making
Speaker 2: sure that it's done right.
Speaker 1: That's why we have brod Ambition. Honestly, that's why we
Speaker 1: started this. Remember, Manny, when we started, people were like
Speaker 1: black brown podcast what those words don't go together for real?
Speaker 1: Because there was like no every time like we met
Speaker 1: people who were in podcasting, they were like, ooh wow,
Speaker 1: you guys are like pioneers.
Speaker 2: Aren't you worried about what was someone asked me, aren't
Speaker 2: you worried about what's the word, not marginalizing people, but
Speaker 2: like alienating people? Like aren't you worried about aliening your audience?
Speaker 2: So you're not going to get you know, a lot
Speaker 2: of people won't listen because if they feel like it
Speaker 2: won't it's not for them.
Speaker 1: No, I'm not worried exactly. Oh, you mean, like everything
Speaker 1: else in this world, like chow you know, if white
Speaker 1: like hello, every time I look up, nothing is for me,
Speaker 1: like you know, like that's just the way it goes,
Speaker 1: Like nude nude pantyholes, what what nude skin colored bandages? Like?
Speaker 1: I mean, are we not alienated at twenty four hours
Speaker 1: a day? But that's just life, right.
Speaker 2: But I will say, so many people listen to our show,
Speaker 2: and I don't think we are alienating people. I think,
Speaker 2: you know, I find out that people like just the
Speaker 2: other day, one of my good girlfriends, Liz in Missouri,
Speaker 2: Bless her heart, Marissa, Marissa, if you're listening, hey, that's
Speaker 2: call you out for being a super white girl. Listen,
Speaker 2: listens to the show Prouvi and Friends Minican friends, friends
Speaker 2: all over the place listen to the show, and I
Speaker 2: feel like, at the end of the day, what we're
Speaker 2: talking about isn't so different. But we're women and we
Speaker 2: and and I think the way that we talk about
Speaker 2: things is what attracts people to the show. And I
Speaker 2: think if you let the word brown get out of
Speaker 2: the way, then maybe you're not the person we want
Speaker 2: to be reaching it anyway. So yeah, I don't know
Speaker 2: if I said that very eloquently or not, but I.
Speaker 1: Know what you mean. It's like the same thing like people.
Speaker 1: Someone asked me the other day about the Budgetista. They're like, so, like,
Speaker 1: do you think like you know, because I know, like
Speaker 1: you just speak to black women And I'm like, I don't,
Speaker 1: but it am I purposefully leaning toward Hey girl, Hey,
Speaker 1: here's a safe space for you. Hell yeah, but we
Speaker 1: don't turn anyone away, whether you're a man or woman
Speaker 1: or whatever. But literally, there were only a handful of us,
Speaker 1: Like everything else what it didn't make sense for women
Speaker 1: of color. So yes, I purposefully created what I needed
Speaker 1: and was like, I just need someone who's gonna explain
Speaker 1: money to me, and like a not a guru, but
Speaker 1: a girlfriend, like I am nobody's financial guru. I'm like, girls,
Speaker 1: so I messed up, let me tell you how to
Speaker 1: fix it. Like I want you to feel like you're
Speaker 1: talking to me about, like where's the best place to
Speaker 1: get your hair braided? Because your hair looks really cute.
Speaker 1: That's the kind of environment I wanted to create. So no, oh,
Speaker 1: I'm not like you know, I don't turn anyone away,
Speaker 1: but yes, am I positioned to specifically speak to black women. Yes,
Speaker 1: because I'm a black woman, So I'm speaking just from
Speaker 1: a voice of a black woman, meaning that like that's
Speaker 1: who's listening. Like in the beginning, when I first started,
Speaker 1: the budgetist said, I was just like, well, whoever wants
Speaker 1: to pick it up, here it is. And then it
Speaker 1: was ninety nine percent black women, and so I was like, well,
Speaker 1: hey girl, hey, And so I mean because honestly, everything
Speaker 1: else out there, I mean, even brands that I wanted
Speaker 1: to work with in the beginning, they were excited when
Speaker 1: I told them, like even my early numbers, like oh
Speaker 1: you know, we got two thousand on the list, And
Speaker 1: then when they were like, send me over your deck
Speaker 1: and they saw all the brown faces because I put
Speaker 1: brown faces on my proposal decks. We wouldn't get calls back,
Speaker 1: but the numbers. So I'm like and then I would
Speaker 1: find out, like I would go to fin Con and
Speaker 1: find out that some of my other like you know,
Speaker 1: FINCN friends who weren't black or people of color, and
Speaker 1: they had way less numbers, and they had like all
Speaker 1: these brands clamoring for them. And I'm like, well girl,
Speaker 1: and they're like, girl, I know you're killing it out
Speaker 1: here with these brands. You've got three times the numbers
Speaker 1: I have. And I'm like, yeah, no, I reached out
Speaker 1: what's that what's your contact name? Yeah, that's mine too.
Speaker 1: She doesnitely turned my calls anymore until a major brand,
Speaker 1: A brown girl from a major brand pulled me to
Speaker 1: the side and said, girl, I'm in the room, and
Speaker 1: the room says there's no money with black women, so
Speaker 1: we're not doing it. And I'm like, are you kidding me?
Speaker 1: She's like, no, I'm fighting for us, but I'm the
Speaker 1: only one in the room. This is a major, major, national,
Speaker 1: huge financial brand and I'm not going to say their
Speaker 1: name because they're huge, And I was like so mad,
Speaker 1: like are you kidding me? So even though we've got
Speaker 1: way more numbers than some of my my counterparts. There,
Speaker 1: the thought is there's no money with black women, and
Speaker 1: that pissed me off. So a bad man you have
Speaker 1: no even that's thinking about it. I'm like, like, I'm
Speaker 1: hot with anger, and so I was just like, all right,
Speaker 1: you know what, fit We're gonna do it ourselves, you
Speaker 1: know what, Because so we're just not gonna get any support,
Speaker 1: that's what you're saying. Okay, we don't need your damn support.
Speaker 1: And so I purposely was like, we're going to create
Speaker 1: something that is self sustaining that if you guys will
Speaker 1: will will work together create this movement where we help
Speaker 1: each other, you know, then we could be self sustaining.
Speaker 1: And so, like I would ask them, like, what are
Speaker 1: some ways that we could sustain this movement? So people
Speaker 1: were like, put out some books. I'm like, yeah, but
Speaker 1: anything I put in my book is basically what you
Speaker 1: can get for free on my blog. They're like, it's okay,
Speaker 1: we'll buy it anyway, and they did. And then I
Speaker 1: put the money back into the movement enough to sustain
Speaker 1: myself and enough to sustain so I can present ninety
Speaker 1: percent of what I do for free and honestly like
Speaker 1: I was just telling a brand the other day. They
Speaker 1: wanted to work with me, and I was asking all
Speaker 1: these questions and I could tell they were a bit
Speaker 1: taken aback, and they were like, you know, a lot
Speaker 1: of people are really kind of like happy to work
Speaker 1: with us. And I said, honestly, and I said this verbatim,
Speaker 1: I'm good on money. What else are you bringing to
Speaker 1: the table for I said that. I said, yeah, I'm
Speaker 1: good on money, and she was like what I said, No,
Speaker 1: I'm good. I mean, you know, I'm not a bajillionaire,
Speaker 1: but I'm good on money. My community supports the initiatives
Speaker 1: that keep us running. So I do not have to
Speaker 1: say yeah for money at all. If anything, you can't
Speaker 1: even touch when my community brings to the table as
Speaker 1: far as finances, So what are you bringing to the table.
Speaker 1: I'm not choosing collaborations based upon money. That's not why
Speaker 1: I work with Magnified by Money. It's because Magnifying Money
Speaker 1: is dope. I would do so for free. If I
Speaker 1: wouldn't work with you for free, then I wouldn't you know,
Speaker 1: then I wouldn't introduce you. I know. But I'm just saying, like,
Speaker 1: you know, I mean I'm period, you know, but it's
Speaker 1: just like, I don't know, it just gets so frustrating
Speaker 1: because I just like, I go to back so hard,
Speaker 1: like you know, we go to bad so hard for
Speaker 1: women that look like us, and it's just so disheartening
Speaker 1: when you see that people don't care, and you know,
Speaker 1: and I mean, now they're starting to care because you
Speaker 1: can't you know, you can't deny the numbers they're.
Speaker 2: Like because they did and they were like, y'all do
Speaker 2: have some money?
Speaker 1: Yeah, exactly, so now you know. And I try not
Speaker 1: to be bitter about it, like when like brands that
Speaker 1: were like, you know, gone before, I try to come
Speaker 1: back now because to me, if they have something that's
Speaker 1: good and useful, then it's good and useful. And I
Speaker 1: try to take my personal you know, my personality and
Speaker 1: my personal fear fellings out of it. But yeah, I
Speaker 1: just I'm just so glad that we do this brown ambition,
Speaker 1: that there's a bunch of Nisa, that there's stuff like
Speaker 1: what disease is doing and and Issa and you know
Speaker 1: Ava and you know, learning to be to create the
Speaker 1: things that we want for us. I think it's it's
Speaker 1: it's critical and so on that note, let me get
Speaker 1: off the soap bossible. I was like, don't get me
Speaker 1: started this damn brand.
Speaker 2: I'm like, let me, I'm hungry. How much longer?
Speaker 1: All right? All right, and then we're gonna wrap it up.
Speaker 1: I'm so sorry, guys.
Speaker 2: I love out.
Speaker 1: Yeah, just like this gets so bad. But I'm like,
Speaker 1: all right, let me bring you back. Really, I'm back in.
Speaker 2: That's what they came to see. Give them what they want.
Speaker 1: They're like, damn, okay, Tiffany, I didn't know. Tell them
Speaker 1: why your mad son? That's what should have a tell
Speaker 1: them why you mad son segment? All Right, y'all, I'm sorry.
Speaker 1: I mean, I'm not sorry, but you know.
Speaker 2: That's it is, is you weigh yourself out.
Speaker 1: You did. I'm like sweating now I'm sweating.
Speaker 2: I'm like, oh, that's the passion we're looking for. No,
Speaker 2: I completely agree. That's why I give you this slow clap.
Speaker 1: All right, So listeners, Brown Ambition Family, I hope you enjoyed.
Speaker 1: It is our super long podcast today.
Speaker 2: As ever, check us out Brown Ambition podcast dot com.
Speaker 2: And I haven't even looked at iTunes in a while.
Speaker 2: We're almost at two hundred reviews. You guys, that is amazing.
Speaker 2: I remember we used to have like stagnantly forty five reviews,
Speaker 2: So thank you so much. And if you guys, I
Speaker 2: love your notes. You get a lot of messages to
Speaker 2: our inbox if you if you have kind words, love
Speaker 2: your notes. But go ahead share the love on iTunes
Speaker 2: or wherever you listen to your podcast. It helps people
Speaker 2: find the show. It's the reason we get on all
Speaker 2: these lists for best podcasts for women or career in business,
Speaker 2: which is awesome. So thanks to the love, keep it coming. Yeah,
Speaker 2: thank you for the love and happy week. I'm gonna
Speaker 2: go ice mine now.
Speaker 1: I would ice my body fine,