1 00:00:06,080 --> 00:00:20,480 Speaker 1: Hey, hey, hey, we're bad. We are black. We are ambition, ambition, ambition. Hey, mandra, 2 00:00:20,520 --> 00:00:20,959 Speaker 1: how are you? 3 00:00:21,880 --> 00:00:24,040 Speaker 2: I'm self conscious about you now because I mean. 4 00:00:24,120 --> 00:00:26,639 Speaker 1: Did you see that that that tweet when that someone 5 00:00:26,720 --> 00:00:28,200 Speaker 1: was like I love what tificy starts wrapping the. 6 00:00:28,120 --> 00:00:31,280 Speaker 2: B a qua our Friday b A Yeah, I was like, 7 00:00:31,440 --> 00:00:36,600 Speaker 2: for real, I know, I look forward to it as well. Yeah, 8 00:00:36,640 --> 00:00:38,760 Speaker 2: today I let you shine. I also feel self conscious 9 00:00:38,760 --> 00:00:41,320 Speaker 2: about singing now because I'm so used to to Rio 10 00:00:41,880 --> 00:00:44,559 Speaker 2: like yelling at me now. I don't know why that 11 00:00:44,600 --> 00:00:47,080 Speaker 2: he's such a hater, but I can't. Let me try 12 00:00:47,120 --> 00:00:51,159 Speaker 2: to sing. Let me try to, like say and imitate 13 00:00:51,159 --> 00:00:53,560 Speaker 2: one of his favorite characters. It is a no mama, 14 00:00:53,680 --> 00:00:56,080 Speaker 2: no stop mama. Sometimes he slaps me in the face, 15 00:00:56,400 --> 00:01:00,880 Speaker 2: which I feel like is really special. Yeah, but no, 16 00:01:01,120 --> 00:01:03,200 Speaker 2: you do a good job TOI never had to pay 17 00:01:03,240 --> 00:01:10,280 Speaker 2: a cent for our music. I will live be free. 18 00:01:11,080 --> 00:01:11,960 Speaker 1: What's new with you? 19 00:01:12,280 --> 00:01:13,160 Speaker 2: How are things? 20 00:01:14,160 --> 00:01:18,679 Speaker 1: Things are thanging? See something? 21 00:01:18,800 --> 00:01:20,520 Speaker 2: I think that's the title of the podcast. 22 00:01:20,640 --> 00:01:24,319 Speaker 1: Yeah, thanks banging well. Actually, so, a friend of mine 23 00:01:24,319 --> 00:01:26,000 Speaker 1: actually reached out to me like a week or so ago, 24 00:01:26,080 --> 00:01:30,200 Speaker 1: and she was just sharing like her her grandmother sold 25 00:01:30,200 --> 00:01:32,600 Speaker 1: like their family home that she had inherited from her 26 00:01:32,600 --> 00:01:37,240 Speaker 1: grandmother for a dollar and so so one which I 27 00:01:37,480 --> 00:01:39,680 Speaker 1: thought one thing that I was like, oh, these banks 28 00:01:39,680 --> 00:01:43,040 Speaker 1: are terrible. So one when when she looked into it, 29 00:01:43,040 --> 00:01:47,400 Speaker 1: it turns out that she was paying an interest only mortgage. 30 00:01:47,640 --> 00:01:49,880 Speaker 1: I guess at one point she had taken money out 31 00:01:50,440 --> 00:01:53,000 Speaker 1: the multi family house, had taken money out to renovate whatever, 32 00:01:53,560 --> 00:01:56,240 Speaker 1: and they had her just paying interests only for years, 33 00:01:56,600 --> 00:02:01,520 Speaker 1: literally tens of thousands gone, you know. So but thankfully, 34 00:02:01,960 --> 00:02:03,480 Speaker 1: the smart thing that she was able to do was 35 00:02:03,520 --> 00:02:05,240 Speaker 1: hold out because right now it's really hot in Jersey 36 00:02:05,320 --> 00:02:08,200 Speaker 1: right now for purchasing homes. So they were able to 37 00:02:08,240 --> 00:02:11,200 Speaker 1: sell the property for a significant amount of money, over 38 00:02:11,240 --> 00:02:13,480 Speaker 1: a million dollars. So they were able to pay off 39 00:02:13,480 --> 00:02:15,520 Speaker 1: the mortgage that the you know, the whatever loan they 40 00:02:15,520 --> 00:02:17,760 Speaker 1: had taken out against the house. And she's left with 41 00:02:17,840 --> 00:02:21,040 Speaker 1: basically a million dollars that's just sitting in a big 42 00:02:21,080 --> 00:02:23,400 Speaker 1: bank savings account. And so my friend is kind of 43 00:02:23,400 --> 00:02:25,840 Speaker 1: freaked out and it's like, what are we supposed to do? 44 00:02:26,520 --> 00:02:28,320 Speaker 2: And she had inherited that for a dollar? 45 00:02:29,000 --> 00:02:30,080 Speaker 1: Yeah, what is that? 46 00:02:30,320 --> 00:02:31,040 Speaker 2: How long has it been? 47 00:02:31,480 --> 00:02:34,880 Speaker 1: I mean, the grandmother is in her seventies, her mid seventies, 48 00:02:35,480 --> 00:02:38,280 Speaker 1: and so you assume, you know, maybe fifty years ago, 49 00:02:38,480 --> 00:02:40,880 Speaker 1: you know, maybe because I'm assuming maybe she inherited from 50 00:02:40,919 --> 00:02:42,680 Speaker 1: her grandmother when she was in her twenties or thirties, 51 00:02:42,720 --> 00:02:44,600 Speaker 1: you know, and so it's been in their family for 52 00:02:44,639 --> 00:02:48,480 Speaker 1: a long time. And so and I just said, well, 53 00:02:49,120 --> 00:02:50,800 Speaker 1: she said, did we do the right thing by selling it? 54 00:02:50,840 --> 00:02:53,679 Speaker 1: And I said, well, here's the thing we possibly could 55 00:02:53,680 --> 00:02:56,840 Speaker 1: have done, is that you could have what is it 56 00:02:56,840 --> 00:02:58,800 Speaker 1: called when you take money out of the house, not 57 00:02:58,840 --> 00:03:03,320 Speaker 1: a home neckway line of c but a refy refinance 58 00:03:03,360 --> 00:03:04,040 Speaker 1: and cash. 59 00:03:03,760 --> 00:03:06,880 Speaker 2: Cash out refight mm hmmm, cash out REFI yeah. 60 00:03:06,720 --> 00:03:09,000 Speaker 1: Yeah, So you know, so that could that was a possibility, 61 00:03:09,120 --> 00:03:11,040 Speaker 1: you know, if you wanted to keep the house, and 62 00:03:11,040 --> 00:03:12,400 Speaker 1: then you could take that money and then do other 63 00:03:12,440 --> 00:03:14,960 Speaker 1: things with it. Maybe purchase another because that property was 64 00:03:14,960 --> 00:03:19,000 Speaker 1: a multi family house, maybe purchase another property, you know, 65 00:03:19,120 --> 00:03:22,240 Speaker 1: and you know you could have done that, but you 66 00:03:22,240 --> 00:03:24,600 Speaker 1: know it's here now you sold the house. There's like 67 00:03:24,639 --> 00:03:28,720 Speaker 1: a million dollars floating. Granny's in her seventies. And my 68 00:03:28,760 --> 00:03:31,320 Speaker 1: friend was like, you know, everybody has obviously something to say, 69 00:03:31,320 --> 00:03:33,639 Speaker 1: including the big bank where the money is of course, 70 00:03:33,639 --> 00:03:36,280 Speaker 1: they're trying to get her to invest it with them 71 00:03:36,280 --> 00:03:38,320 Speaker 1: so they can slowly drip away all her money because 72 00:03:38,320 --> 00:03:41,280 Speaker 1: you know how that goes. Thankfully, Granny has all her 73 00:03:41,840 --> 00:03:46,000 Speaker 1: her faculties in her and it's like no, so she 74 00:03:46,040 --> 00:03:47,760 Speaker 1: doesn't know what to do. It's been like it's been 75 00:03:47,760 --> 00:03:49,400 Speaker 1: a few months now, so it's just sitting in that 76 00:03:49,440 --> 00:03:52,720 Speaker 1: savings account. My friend has been trying to, like, you know, 77 00:03:53,200 --> 00:03:55,680 Speaker 1: help her, but she has every everybody in the family 78 00:03:55,760 --> 00:03:58,320 Speaker 1: has something to say, and so Granny basically like, none 79 00:03:58,320 --> 00:03:59,440 Speaker 1: of y'all rich, So how are you gonna tell me 80 00:03:59,480 --> 00:04:00,000 Speaker 1: you do my money? 81 00:04:02,160 --> 00:04:04,200 Speaker 2: That's fun thing. I was my friend that the budget 82 00:04:04,200 --> 00:04:06,400 Speaker 2: needs to go, so. 83 00:04:06,320 --> 00:04:09,000 Speaker 1: I'm actually gonna be meet up with her this week. 84 00:04:09,040 --> 00:04:10,440 Speaker 1: She actually doesn't live far for me, which I was like, 85 00:04:10,440 --> 00:04:11,920 Speaker 1: oh that's great, So I'm gonna meet up with her 86 00:04:11,920 --> 00:04:14,320 Speaker 1: this week. I told my friend, at the very least 87 00:04:14,640 --> 00:04:17,520 Speaker 1: to start with this is to you know, like to 88 00:04:17,640 --> 00:04:20,520 Speaker 1: move the money to a high yield. You know, it's 89 00:04:20,600 --> 00:04:22,560 Speaker 1: high yield the savings account that you can get. So 90 00:04:22,600 --> 00:04:24,800 Speaker 1: at the very are we going to offset inflation now? 91 00:04:25,080 --> 00:04:27,680 Speaker 1: But it's better than the zero points, the zero one 92 00:04:27,720 --> 00:04:30,279 Speaker 1: percent that her big bank is getting her. You know, 93 00:04:30,320 --> 00:04:32,280 Speaker 1: maybe you get two two and a half percent better 94 00:04:32,320 --> 00:04:34,840 Speaker 1: than nothing. I said, if nothing else, I think you 95 00:04:34,839 --> 00:04:36,800 Speaker 1: should be able to convince her to do that. And 96 00:04:36,839 --> 00:04:39,719 Speaker 1: then but when I told him, I told my friend, 97 00:04:39,760 --> 00:04:42,360 Speaker 1: I said, you know, I told her that, like, here's 98 00:04:42,360 --> 00:04:45,960 Speaker 1: the thing, your your grandmother is not wrong like y'all 99 00:04:45,960 --> 00:04:47,960 Speaker 1: want her to make all these fast moves. She actually 100 00:04:48,000 --> 00:04:50,080 Speaker 1: is really smart, and that I'm not making any move 101 00:04:50,960 --> 00:04:53,719 Speaker 1: until I decide, like what exactly that I'm doing. I said, 102 00:04:53,760 --> 00:04:56,680 Speaker 1: she's actually right, that she's moving very slowly with this. 103 00:04:57,200 --> 00:05:00,400 Speaker 1: And so next up, I told them that you should 104 00:05:00,400 --> 00:05:02,279 Speaker 1: start to think about the team you're going to build. 105 00:05:02,400 --> 00:05:04,640 Speaker 1: There should be some sort of financial team, because there 106 00:05:04,640 --> 00:05:08,799 Speaker 1: are tax ramifications for this money. And so she actually, 107 00:05:08,800 --> 00:05:11,040 Speaker 1: Granny's gonna be using Carlos. You know, Carlos are faved, 108 00:05:11,160 --> 00:05:14,200 Speaker 1: so Carlos doose taxes for me and Mandy in our business. 109 00:05:14,880 --> 00:05:16,799 Speaker 1: And so she's gonna be using Carlos, which is great, 110 00:05:17,320 --> 00:05:20,640 Speaker 1: you know, I said, okay, because I trust Carlos implicitly. Second, 111 00:05:20,760 --> 00:05:23,080 Speaker 1: I said, you know, because Grandy's in her seventies, you 112 00:05:23,080 --> 00:05:27,520 Speaker 1: should also be thinking about estate planning, you know, And 113 00:05:27,560 --> 00:05:29,520 Speaker 1: so God Willings shall be here another twenty years, but 114 00:05:29,560 --> 00:05:32,279 Speaker 1: we don't know. So estate planning will help to figure out, well, 115 00:05:32,320 --> 00:05:34,680 Speaker 1: what happens when I'm not here with this money. So 116 00:05:34,800 --> 00:05:38,359 Speaker 1: I suggested my attorney, Tony Moore, who's amazing, you know, 117 00:05:38,440 --> 00:05:41,960 Speaker 1: you know, Tony's my fave and so and then I said, third, 118 00:05:42,000 --> 00:05:46,279 Speaker 1: and probably most important, a certified financial planner. And I 119 00:05:46,279 --> 00:05:48,920 Speaker 1: explained the difference between a financial advisor, which is basically, 120 00:05:48,920 --> 00:05:51,440 Speaker 1: anybody can be a financial advisor, but with a certified 121 00:05:51,440 --> 00:05:53,960 Speaker 1: financial planner, you know, you have to pass pass a 122 00:05:53,960 --> 00:05:55,920 Speaker 1: certain test, you have to be you work a certain 123 00:05:56,000 --> 00:05:58,640 Speaker 1: number of years, you have to be a fiduciary. And 124 00:05:59,200 --> 00:06:02,120 Speaker 1: so it's just a high tier of a financial advisor 125 00:06:02,160 --> 00:06:05,760 Speaker 1: that you can get. And I suggested, because Granny does 126 00:06:05,800 --> 00:06:08,359 Speaker 1: have some money, that you don't get a one that 127 00:06:08,400 --> 00:06:11,680 Speaker 1: gets paid by percentage invested, that instead, it's a fee 128 00:06:11,720 --> 00:06:13,360 Speaker 1: based one where you're just going to pay a fee, 129 00:06:13,760 --> 00:06:15,479 Speaker 1: you know. And so he was like, okay, I said, 130 00:06:15,480 --> 00:06:17,400 Speaker 1: so those are the three people on the team, and 131 00:06:17,440 --> 00:06:19,400 Speaker 1: I said, you know, and so the two of them 132 00:06:19,680 --> 00:06:21,960 Speaker 1: are good to go. The financial planner one is a 133 00:06:21,960 --> 00:06:25,040 Speaker 1: little harder, so, you know, I use Angelie. She has 134 00:06:25,080 --> 00:06:27,640 Speaker 1: a company called fit advisors, but Anjalie, as far as 135 00:06:27,640 --> 00:06:29,560 Speaker 1: I know right now, is not. I emailed her, but 136 00:06:29,640 --> 00:06:31,719 Speaker 1: as far as I know, she's not taking on new clients. 137 00:06:31,880 --> 00:06:33,560 Speaker 1: But I did email her to ask if she can 138 00:06:33,600 --> 00:06:36,400 Speaker 1: give a referral, you know. So that's one of the 139 00:06:36,400 --> 00:06:38,880 Speaker 1: best ways if you're looking for a financial planner to like, 140 00:06:39,000 --> 00:06:42,240 Speaker 1: you know, ask people who have financial planners, you know, 141 00:06:42,279 --> 00:06:44,359 Speaker 1: how they like them and everything else. Like I interviewed Helen, 142 00:06:44,520 --> 00:06:47,000 Speaker 1: so I had I interviewed like twenty financial planners when 143 00:06:47,040 --> 00:06:49,120 Speaker 1: I was looking. So Helen was the one that came 144 00:06:49,160 --> 00:06:51,760 Speaker 1: from Maddy. I know, I was really I was crazy, 145 00:06:52,240 --> 00:06:54,279 Speaker 1: but like, but the top ones I came up with 146 00:06:54,440 --> 00:06:57,440 Speaker 1: was Helen, your financial planner. Helen was excellent. I loved her. 147 00:06:57,800 --> 00:07:02,120 Speaker 1: A Jalie And there was another woman named Amy, something 148 00:07:02,160 --> 00:07:04,480 Speaker 1: around Amy Irving or something like that. So I didn't 149 00:07:04,520 --> 00:07:08,000 Speaker 1: choose Amy because Amy only did individuals, but meaning like 150 00:07:08,040 --> 00:07:11,080 Speaker 1: I needed somebody who also worked with people who had businesses, yeah, 151 00:07:11,480 --> 00:07:13,400 Speaker 1: you know, And so Amy was like, oh, she's great, 152 00:07:13,680 --> 00:07:15,520 Speaker 1: but she wasn't a fit for that. I was like, okay, 153 00:07:15,640 --> 00:07:17,520 Speaker 1: out of the twenty I loved her, she wasn't a fit. 154 00:07:17,840 --> 00:07:21,120 Speaker 1: But then then so between Helen and Angelie, and of 155 00:07:21,160 --> 00:07:22,920 Speaker 1: course they know each other because honestly, the top people 156 00:07:22,920 --> 00:07:24,600 Speaker 1: in the field always know each other, and they both 157 00:07:24,760 --> 00:07:29,040 Speaker 1: like they're both awesome. I ended up choosing angel because 158 00:07:29,120 --> 00:07:31,680 Speaker 1: there was something, oh you know what, because Angelie was 159 00:07:31,720 --> 00:07:34,640 Speaker 1: not only a CFP as Certified Financial Planner, she was 160 00:07:34,680 --> 00:07:39,160 Speaker 1: a CPA. She's a certified Public accountant as well. And 161 00:07:39,640 --> 00:07:42,680 Speaker 1: I was yes, because we were going through and I'm 162 00:07:42,680 --> 00:07:45,600 Speaker 1: still paying taxes from twenty eighteen because mistakes I made, 163 00:07:46,000 --> 00:07:49,520 Speaker 1: so I needed help with her working on alongside my 164 00:07:50,520 --> 00:07:53,640 Speaker 1: my accountant that I use, but also like looking at 165 00:07:53,640 --> 00:07:56,920 Speaker 1: my finances, like my business finances and my personal finances 166 00:07:57,000 --> 00:07:59,000 Speaker 1: and the tax stuff. So that is why I chose 167 00:08:00,040 --> 00:08:03,360 Speaker 1: to lead, because I needed that text thing. So anyway, 168 00:08:03,360 --> 00:08:05,320 Speaker 1: I say all that to say that like that's the 169 00:08:05,400 --> 00:08:09,320 Speaker 1: team and so hopefully you know with that team because 170 00:08:09,320 --> 00:08:10,640 Speaker 1: even with my friend, I didn't want to tell this 171 00:08:10,680 --> 00:08:12,000 Speaker 1: to my friend, but I want to be like, girl, 172 00:08:12,480 --> 00:08:15,960 Speaker 1: Granny is not wrong, becausis what do you like? This 173 00:08:16,040 --> 00:08:17,360 Speaker 1: is not what you do. This is not what I 174 00:08:17,360 --> 00:08:19,120 Speaker 1: even do. And I told because she wanted me to 175 00:08:19,160 --> 00:08:21,200 Speaker 1: be the financial If I'm like, well that's not I'm 176 00:08:21,200 --> 00:08:23,400 Speaker 1: not certified in that, you know, and your granny is 177 00:08:23,520 --> 00:08:25,760 Speaker 1: right because you look, you're coming to me thinking that 178 00:08:25,840 --> 00:08:27,760 Speaker 1: I can do a thing that I'm not capable of doing, 179 00:08:28,400 --> 00:08:30,720 Speaker 1: you know, and I'm not. I'm not. I don't have 180 00:08:30,760 --> 00:08:33,880 Speaker 1: the license to do. And so like, Granny's actually right, 181 00:08:33,920 --> 00:08:36,040 Speaker 1: and hopefully with these three people on the team, they 182 00:08:36,080 --> 00:08:38,800 Speaker 1: can help Granny choose what she wants to do. Because 183 00:08:39,120 --> 00:08:41,080 Speaker 1: I'm not gonna lie. I don't think my friend listens 184 00:08:41,080 --> 00:08:43,480 Speaker 1: to the Black Ghost sis. If you do, I'm sorry, girl, 185 00:08:43,600 --> 00:08:46,800 Speaker 1: but not sorry. I'm not gonna lie. A lot of 186 00:08:46,800 --> 00:08:48,760 Speaker 1: the choices that it south that the family is making 187 00:08:48,840 --> 00:08:51,040 Speaker 1: is about like what's going to be best for all 188 00:08:51,080 --> 00:08:54,640 Speaker 1: of us, which that's I understand, you know, and I'm 189 00:08:54,640 --> 00:08:58,400 Speaker 1: not there's something wrong with that. But honestly, this is 190 00:08:58,520 --> 00:09:02,640 Speaker 1: Granny's money, yeah, and she has to be prioritized above 191 00:09:02,679 --> 00:09:05,360 Speaker 1: all else. So we have to make sure that Granny 192 00:09:05,400 --> 00:09:07,520 Speaker 1: has a place to live, that she feels safe, that 193 00:09:07,600 --> 00:09:11,120 Speaker 1: she never has to work again, that she's fine because 194 00:09:11,120 --> 00:09:12,920 Speaker 1: she was getting she had the house was like a 195 00:09:12,920 --> 00:09:16,000 Speaker 1: three or four family house, so she you know, she 196 00:09:16,040 --> 00:09:17,880 Speaker 1: was getting income from that and living off of that, 197 00:09:18,360 --> 00:09:19,920 Speaker 1: you know, as well as paying off the you know, 198 00:09:20,000 --> 00:09:22,840 Speaker 1: the reverse mortgage they have tricked her into. And so 199 00:09:22,960 --> 00:09:25,960 Speaker 1: that to me, when I talk with Granny is going 200 00:09:26,000 --> 00:09:30,200 Speaker 1: to be my focus to say, here's my suggestion, which 201 00:09:30,280 --> 00:09:32,760 Speaker 1: is here are the three people that are going to 202 00:09:32,840 --> 00:09:35,800 Speaker 1: help you decide how best to get to what you 203 00:09:35,880 --> 00:09:38,599 Speaker 1: want to happen. Now, if that's the least stuff for 204 00:09:38,600 --> 00:09:40,560 Speaker 1: your grandkids or whatever, great, but if it's not, that's 205 00:09:40,559 --> 00:09:44,440 Speaker 1: your business, you know. And so yeah, so it's just 206 00:09:44,480 --> 00:09:46,400 Speaker 1: interesting that, like, you know, I was like, oh my gosh, 207 00:09:46,440 --> 00:09:49,080 Speaker 1: it's I felt like real life brown ambision, you know, like, yeah, 208 00:09:49,120 --> 00:09:49,439 Speaker 1: I do. 209 00:09:50,240 --> 00:09:52,440 Speaker 2: Yeah, I love that. It's kind of like what happens. 210 00:09:52,480 --> 00:09:56,199 Speaker 2: I mean, like, let's say I broke my foot and 211 00:09:56,760 --> 00:09:59,600 Speaker 2: you know, a very particular kind of like bad injury. 212 00:09:59,600 --> 00:10:02,160 Speaker 2: I would go to a general practitioner. Like that's the 213 00:10:02,240 --> 00:10:04,559 Speaker 2: point when you want to find someone who is an 214 00:10:04,600 --> 00:10:07,679 Speaker 2: expert in broken feet, Like what is that a doctor 215 00:10:07,760 --> 00:10:10,400 Speaker 2: or podiatrist? I don't know, yeah, podiatiss But yeah, I 216 00:10:10,400 --> 00:10:12,480 Speaker 2: mean you would be interviewing trying to find the best 217 00:10:12,520 --> 00:10:16,360 Speaker 2: specialist because that is a serious, it's a big issue 218 00:10:16,440 --> 00:10:19,400 Speaker 2: and you need a specific you need a specific, specific 219 00:10:19,480 --> 00:10:22,640 Speaker 2: kind of expertise, and it's different than finding people who 220 00:10:22,640 --> 00:10:24,720 Speaker 2: know a little bit about stuff, like maybe your general 221 00:10:24,760 --> 00:10:27,280 Speaker 2: practitioner can refer you just like you did, Like you're 222 00:10:27,320 --> 00:10:29,440 Speaker 2: kind of like a general practitioner here. You're referring her 223 00:10:29,559 --> 00:10:33,320 Speaker 2: to the specialists who who live and breed this, who 224 00:10:33,679 --> 00:10:36,160 Speaker 2: all they do is foot surgery day in and day out. 225 00:10:36,280 --> 00:10:38,360 Speaker 2: That's who you want like operating on your foot. 226 00:10:38,440 --> 00:10:38,640 Speaker 1: Right. 227 00:10:39,559 --> 00:10:41,800 Speaker 2: So it sounds like, I mean, regardless, sounds like she's 228 00:10:41,800 --> 00:10:44,240 Speaker 2: in great hands that you'll get to sit with her. 229 00:10:44,600 --> 00:10:47,160 Speaker 2: But I mean I almost was thinking about one point 230 00:10:47,200 --> 00:10:50,400 Speaker 2: two million dollars sitting in a savings account. It's it's 231 00:10:50,440 --> 00:10:52,920 Speaker 2: like way over that two hundred and fifty thousand dollars 232 00:10:53,360 --> 00:10:58,240 Speaker 2: limit for coverage under FDIC insurance. So that's the point 233 00:10:58,240 --> 00:11:00,679 Speaker 2: where you definitely want to, you know, if spread it, 234 00:11:00,800 --> 00:11:03,960 Speaker 2: spread it among several bank accounts, unless you have a 235 00:11:04,000 --> 00:11:07,160 Speaker 2: spouse and then you get like double the coverage, the 236 00:11:07,240 --> 00:11:09,800 Speaker 2: double the coverage. But that was my first thought, like, Okay, 237 00:11:09,880 --> 00:11:11,120 Speaker 2: we need to like spread this out. 238 00:11:11,280 --> 00:11:13,880 Speaker 1: Some of this is that Granny's gonna be like, what 239 00:11:14,160 --> 00:11:15,959 Speaker 1: all these accounts? So I'm gonna see when I be 240 00:11:16,120 --> 00:11:18,079 Speaker 1: with her how she Because I said, like, you know, 241 00:11:18,120 --> 00:11:20,040 Speaker 1: we're gonna start with this. And if I explain it 242 00:11:20,040 --> 00:11:22,560 Speaker 1: to her and she because she's sound, she's sharp. So 243 00:11:23,320 --> 00:11:24,960 Speaker 1: if I explain it to her that like, this is 244 00:11:25,000 --> 00:11:26,920 Speaker 1: what you should do at bare minimum for now, but 245 00:11:26,960 --> 00:11:29,120 Speaker 1: ideally you should do this, and she's like ooh, says 246 00:11:29,120 --> 00:11:31,679 Speaker 1: say less, then you know we're gonna work on that. 247 00:11:31,720 --> 00:11:34,040 Speaker 1: But if she's like, I'm not doing all that, baby, 248 00:11:34,760 --> 00:11:36,240 Speaker 1: then I'm gonna be like, what at the very least, 249 00:11:36,280 --> 00:11:38,720 Speaker 1: you know, put it here. Butever, I was, honestly I 250 00:11:38,760 --> 00:11:40,960 Speaker 1: was thinking about that, like, oh, like it really should 251 00:11:41,000 --> 00:11:42,920 Speaker 1: be like broken up. It's a pieces, but I don't 252 00:11:42,920 --> 00:11:43,800 Speaker 1: know how open she's. 253 00:11:43,960 --> 00:11:44,679 Speaker 2: She can handle it? 254 00:11:45,200 --> 00:11:47,520 Speaker 1: Yeah, right? And is it does? 255 00:11:47,679 --> 00:11:50,319 Speaker 2: Is it separate accounts? I'm trying to think what all 256 00:11:50,360 --> 00:11:54,560 Speaker 2: the particular requirements are. Is it up to each account 257 00:11:54,640 --> 00:11:57,640 Speaker 2: at each institution or can you have multiple accounts and 258 00:11:57,679 --> 00:12:00,839 Speaker 2: each account gets that same coverage the FDA C You know. 259 00:12:00,920 --> 00:12:03,160 Speaker 1: That's that's a good question. I'm gonna look that in up. 260 00:12:03,679 --> 00:12:05,000 Speaker 2: I used to know that like the back of my 261 00:12:05,040 --> 00:12:07,199 Speaker 2: hand when that's what I did every day when I 262 00:12:07,240 --> 00:12:09,600 Speaker 2: was at a content director for a financial brand, Like 263 00:12:09,600 --> 00:12:12,679 Speaker 2: we would write those really nuanced like the only there' 264 00:12:12,720 --> 00:12:15,280 Speaker 2: shit that people want to google. And so I used 265 00:12:15,280 --> 00:12:16,040 Speaker 2: to know that, but I. 266 00:12:16,000 --> 00:12:18,760 Speaker 1: Don't know here it is. I'm on FDIC dot gov. 267 00:12:19,360 --> 00:12:23,000 Speaker 1: So the standard assured the standard insurance amount is two 268 00:12:23,080 --> 00:12:27,360 Speaker 1: hundred and fifty thousand dollars per depositor, per insured bank, 269 00:12:28,320 --> 00:12:33,160 Speaker 1: per each account. Yeah, for each account ownership category. Okay. 270 00:12:33,200 --> 00:12:36,520 Speaker 1: The FDIC provides separate covers for deposits holls in different accounts. Oh, 271 00:12:36,520 --> 00:12:40,200 Speaker 1: different account ownership count So it might be that it 272 00:12:40,200 --> 00:12:42,120 Speaker 1: could be a checking and a saving. That's what it's 273 00:12:42,120 --> 00:12:47,520 Speaker 1: sounding like. And a's CD yeah, yes, yeah, oh see, Okay, 274 00:12:47,559 --> 00:12:49,880 Speaker 1: here it is again. So from the FDI c as well, 275 00:12:49,880 --> 00:12:53,600 Speaker 1: the FDIC adds up all single accounts owned by the 276 00:12:53,640 --> 00:12:56,440 Speaker 1: same person at the same bank and insures the total 277 00:12:56,520 --> 00:12:58,800 Speaker 1: up to two fifty. So the FDI is like, you 278 00:12:58,840 --> 00:13:01,600 Speaker 1: can have six Sames accounts, but you tried it. That's 279 00:13:01,640 --> 00:13:02,840 Speaker 1: not how that goes if you're going to have to 280 00:13:02,840 --> 00:13:03,920 Speaker 1: have six different things. 281 00:13:03,960 --> 00:13:08,319 Speaker 2: So we all know, mo money more problems, granny, yes, but. 282 00:13:08,320 --> 00:13:10,560 Speaker 1: Yeah, So I mean, here's what I'm happy about. That 283 00:13:10,640 --> 00:13:12,080 Speaker 1: Grant is not gonna have to work anymore and they 284 00:13:12,080 --> 00:13:12,839 Speaker 1: should just all breathe this. 285 00:13:13,080 --> 00:13:16,160 Speaker 2: That's the key. And one point two million is is 286 00:13:16,200 --> 00:13:18,720 Speaker 2: a lot of money. But when you have another twenty 287 00:13:18,800 --> 00:13:21,400 Speaker 2: something years and I know Granny takes care of herself 288 00:13:21,520 --> 00:13:23,760 Speaker 2: and I'm sure she does her walks and she's very healthy, 289 00:13:25,120 --> 00:13:28,280 Speaker 2: you need like that's that's just enough. I feel like 290 00:13:28,280 --> 00:13:30,400 Speaker 2: if you do it right, yep, but if you do 291 00:13:30,440 --> 00:13:33,040 Speaker 2: it wrong, that can disappear. Like it makes me think 292 00:13:33,040 --> 00:13:36,520 Speaker 2: of then that documentary that you know, your documentary that 293 00:13:36,600 --> 00:13:39,640 Speaker 2: you were filmed, then get smart with money streaming on 294 00:13:39,679 --> 00:13:43,600 Speaker 2: Netflix now the top forty of all Netflix New movies anyway. 295 00:13:43,679 --> 00:13:49,000 Speaker 2: That Ross Mack his makeover person, well I forget his name, 296 00:13:49,000 --> 00:13:51,520 Speaker 2: but he was a football player, Tease. His name is Tease, 297 00:13:51,880 --> 00:13:55,360 Speaker 2: the football player who like got those you know, million 298 00:13:55,440 --> 00:13:57,920 Speaker 2: dollar contracts in the NFL and then just was like, 299 00:13:58,040 --> 00:14:01,040 Speaker 2: oh dang, A couple of chains, a couple houses later 300 00:14:01,880 --> 00:14:05,800 Speaker 2: and he had like barely anything left, you know. So yeah, 301 00:14:05,880 --> 00:14:08,000 Speaker 2: that's what we don't want for Granny. 302 00:14:08,200 --> 00:14:09,760 Speaker 1: Because I was thinking I was thinking that too. I 303 00:14:09,800 --> 00:14:11,840 Speaker 1: was like, I don't know that there's gonna be a 304 00:14:11,840 --> 00:14:13,600 Speaker 1: lot left over for you if that's what you're wanting. 305 00:14:13,640 --> 00:14:16,160 Speaker 1: I just like, you know, a million doesn't do what 306 00:14:16,200 --> 00:14:16,720 Speaker 1: it used to do. 307 00:14:17,320 --> 00:14:20,760 Speaker 2: Yeah, they need to have to just take a lesson 308 00:14:20,760 --> 00:14:23,000 Speaker 2: from Granny and you know, maybe invest in some real 309 00:14:23,080 --> 00:14:25,800 Speaker 2: estate and hold on to it for fifty years. 310 00:14:26,360 --> 00:14:28,600 Speaker 1: I know. Granny's like, I don't know about y'all, but 311 00:14:28,600 --> 00:14:31,360 Speaker 1: we I'm gonna be I I said, I can't wait 312 00:14:31,360 --> 00:14:33,200 Speaker 1: to meet here and I'll give you like an update. 313 00:14:33,280 --> 00:14:35,000 Speaker 1: I have a feeling that she's sassy because she sounds 314 00:14:35,040 --> 00:14:37,560 Speaker 1: like he's sassy. You know. I feel like old black 315 00:14:37,600 --> 00:14:39,000 Speaker 1: women get to that point where they're like, I say 316 00:14:39,000 --> 00:14:40,960 Speaker 1: what I want. I love the fact she's saved y'all. 317 00:14:41,200 --> 00:14:43,080 Speaker 1: Y'all know so much about money, Why y'all ain't rich? 318 00:14:43,120 --> 00:14:44,800 Speaker 1: I was like, she's my kind of lady. 319 00:14:45,440 --> 00:14:47,400 Speaker 2: I bet they're still going to get those birthday cards 320 00:14:47,400 --> 00:14:49,160 Speaker 2: that have like a single five dollar bill in it. 321 00:14:49,440 --> 00:14:53,040 Speaker 2: Be like, damn it, Granny, how do you think she 322 00:14:53,080 --> 00:14:57,120 Speaker 2: became a millionaire exactly? You know? Yeah, speaking of which, 323 00:14:57,200 --> 00:15:00,160 Speaker 2: I have a two thousand dollars savings bond that my 324 00:15:00,200 --> 00:15:03,840 Speaker 2: grandma gave to me still waiting for me somewhere in 325 00:15:03,880 --> 00:15:06,000 Speaker 2: Georgia that I need to claim. It came up in 326 00:15:06,040 --> 00:15:07,680 Speaker 2: like one of the you know, like those you can 327 00:15:07,720 --> 00:15:11,280 Speaker 2: go to unclaimed property websites, and I found out my 328 00:15:11,400 --> 00:15:14,160 Speaker 2: uncle had done that for her estate, like she's been 329 00:15:14,200 --> 00:15:17,160 Speaker 2: passed now for over ten years, and he's like, Mandy, 330 00:15:17,160 --> 00:15:19,760 Speaker 2: are you gonna come get this, And I'm like, ah, yeah, 331 00:15:19,840 --> 00:15:20,680 Speaker 2: I need to do that. 332 00:15:21,440 --> 00:15:23,480 Speaker 1: Yeah, those things are that's a great We have to 333 00:15:23,520 --> 00:15:25,360 Speaker 1: we have to find a link for that, because I 334 00:15:25,560 --> 00:15:28,280 Speaker 1: found I was old. I got the first check for 335 00:15:28,320 --> 00:15:31,400 Speaker 1: like one hundred and eighty and then apparently when I 336 00:15:31,440 --> 00:15:34,600 Speaker 1: lost my house to the foreclosure, there was a there 337 00:15:34,640 --> 00:15:37,160 Speaker 1: was a balance between what I paid and what the 338 00:15:37,160 --> 00:15:39,200 Speaker 1: house was so or something to that effect, and it 339 00:15:39,240 --> 00:15:41,640 Speaker 1: was like nine hundred dollars, and so I have to 340 00:15:41,640 --> 00:15:43,680 Speaker 1: get the check for that. I found. I couldn't believe. 341 00:15:43,680 --> 00:15:46,600 Speaker 1: And here's the thing. I had checked that unclaimed whatever. 342 00:15:46,640 --> 00:15:48,040 Speaker 1: I can't remember the name of the website. I had 343 00:15:48,120 --> 00:15:50,120 Speaker 1: checked it some years back. That wasn't on there. So 344 00:15:50,160 --> 00:15:52,760 Speaker 1: I guess years later there finally was some sort of 345 00:15:52,800 --> 00:15:55,760 Speaker 1: reconciliation and I'm old, like, nine hundred dollars from Chase Bank, 346 00:15:55,960 --> 00:15:58,280 Speaker 1: you owe me. Matter of fact, I go speak for 347 00:15:58,320 --> 00:15:59,960 Speaker 1: them Detroit next week. I said to be like, can 348 00:15:59,960 --> 00:16:02,200 Speaker 1: I just get home put that on top of the money. 349 00:16:02,560 --> 00:16:06,520 Speaker 2: Yeah, oh man, that's great. Yeah, we're gonna put that 350 00:16:06,560 --> 00:16:08,080 Speaker 2: in the show link. We'll find the right link. It's 351 00:16:08,080 --> 00:16:11,880 Speaker 2: something like Unclaimed Funds dot go or something something like that. 352 00:16:12,160 --> 00:16:13,840 Speaker 2: But that's a good reminder that there may be money 353 00:16:13,840 --> 00:16:16,440 Speaker 2: out there for you guys. All right, Well in Mandy 354 00:16:16,480 --> 00:16:19,280 Speaker 2: money Land, I am very very excited and Tiff, like, 355 00:16:19,440 --> 00:16:20,800 Speaker 2: you're going to be in the hot seat on this 356 00:16:20,840 --> 00:16:23,360 Speaker 2: week's B a Q and A episode, y'all. Last week, 357 00:16:23,400 --> 00:16:26,000 Speaker 2: Tif got to pepper me with her questions about negotiating 358 00:16:26,000 --> 00:16:28,680 Speaker 2: her rates. This week, as a baby business owner, I 359 00:16:28,720 --> 00:16:30,680 Speaker 2: get to ask tiffany lots and lots of questions too. 360 00:16:31,640 --> 00:16:34,720 Speaker 2: But I had offline tip Tiff, and I already I'm 361 00:16:34,760 --> 00:16:37,080 Speaker 2: already like peppering her with those types of questions. So 362 00:16:37,600 --> 00:16:40,880 Speaker 2: Tiff helped me with my epiphany about this webinar that 363 00:16:40,920 --> 00:16:43,280 Speaker 2: I wanted to hold because I had been thinking of 364 00:16:43,440 --> 00:16:45,920 Speaker 2: I've been doing and I've done three webinars so far, 365 00:16:46,680 --> 00:16:48,080 Speaker 2: and I always want to like pack a lot of 366 00:16:48,120 --> 00:16:50,080 Speaker 2: value into them, but I feel like I'm just like 367 00:16:50,120 --> 00:16:53,680 Speaker 2: covering so much and the themes are very broad. So Tiff, 368 00:16:53,720 --> 00:16:55,600 Speaker 2: I know we were talking and you helped me just 369 00:16:55,680 --> 00:16:59,560 Speaker 2: focus in and talk about negotiating. So and then one 370 00:16:59,640 --> 00:17:04,000 Speaker 2: SiZ start to just focus my teaching and my methods 371 00:17:04,200 --> 00:17:08,520 Speaker 2: just on salary negotiation. I got so excited and that 372 00:17:08,640 --> 00:17:13,560 Speaker 2: free free masterclass nailed and nail your negotiation. It's going 373 00:17:13,600 --> 00:17:18,000 Speaker 2: to be next Tuesday, September twenty seven at eight pm Eastern. 374 00:17:18,520 --> 00:17:21,320 Speaker 2: Seating is limited. I just announced it last night, so 375 00:17:21,480 --> 00:17:25,040 Speaker 2: this was Sunday night. We're recording on Monday, and already 376 00:17:25,040 --> 00:17:28,040 Speaker 2: over two hundred people have signed up. There's only going 377 00:17:28,119 --> 00:17:30,480 Speaker 2: to be five hundred live seats, y'all. And my goal 378 00:17:30,560 --> 00:17:34,480 Speaker 2: is to get fifteen hundred registered because not everybody is gonna, 379 00:17:34,480 --> 00:17:37,320 Speaker 2: you know, show up, because we know how y'all be anyway. 380 00:17:37,640 --> 00:17:40,639 Speaker 2: So I already see just based on the fact that 381 00:17:40,720 --> 00:17:43,679 Speaker 2: already two hundred have registered, and that's just for me 382 00:17:43,840 --> 00:17:46,480 Speaker 2: emailing my list and posting a little bit on my stories, 383 00:17:47,080 --> 00:17:49,600 Speaker 2: like I'm like, okay, tif Noel the thing or two 384 00:17:49,840 --> 00:17:53,760 Speaker 2: tif No' is the project about specificity just a little 385 00:17:53,760 --> 00:17:54,760 Speaker 2: fifteen years in the game. 386 00:17:54,840 --> 00:17:57,359 Speaker 1: Now, now here's a question what if I was going 387 00:17:57,440 --> 00:17:58,679 Speaker 1: to register? Where do I where do I go to 388 00:17:58,680 --> 00:17:59,119 Speaker 1: register with? 389 00:17:59,400 --> 00:17:59,960 Speaker 2: You're gonna love this? 390 00:18:00,840 --> 00:18:03,080 Speaker 1: You see what I'm doing to you. I'm not talking 391 00:18:03,080 --> 00:18:04,240 Speaker 1: man to get that damn domain. 392 00:18:04,320 --> 00:18:07,160 Speaker 2: Man, get that domain, you can go to nail your 393 00:18:07,320 --> 00:18:10,480 Speaker 2: negotiation dot com see you. 394 00:18:10,480 --> 00:18:12,600 Speaker 1: For ten dollars. You make it easy for people to 395 00:18:12,600 --> 00:18:12,959 Speaker 1: find it. 396 00:18:13,000 --> 00:18:13,160 Speaker 2: Now. 397 00:18:13,160 --> 00:18:14,720 Speaker 1: It's a negotiation with the S. 398 00:18:14,800 --> 00:18:19,320 Speaker 2: Or no S. Nail your negotiation. Don't do the said 399 00:18:19,320 --> 00:18:21,080 Speaker 2: an S at the end of Kroger's. There's no S 400 00:18:21,280 --> 00:18:24,600 Speaker 2: on the end of Kroger, y'all, So just nail your negotiation. 401 00:18:25,840 --> 00:18:27,320 Speaker 1: Of course, the link will be in the show notes 402 00:18:27,359 --> 00:18:30,840 Speaker 1: description in case you don't notice my negotiation, which is fine. 403 00:18:30,640 --> 00:18:32,800 Speaker 2: It was just fine, yes, But if you don't, you 404 00:18:32,840 --> 00:18:34,840 Speaker 2: got bigger problems and what my webinar can call. But 405 00:18:35,119 --> 00:18:37,600 Speaker 2: it is and I've yeah, I'm so damn excited. It's 406 00:18:37,600 --> 00:18:40,520 Speaker 2: a five step method to feel more confident, get the 407 00:18:40,520 --> 00:18:42,560 Speaker 2: money that you deserve, and never leave money on the 408 00:18:42,600 --> 00:18:45,840 Speaker 2: table when you're negotiating. Again, it's a strategy that I 409 00:18:45,880 --> 00:18:48,240 Speaker 2: have used my whole career to ten x my income 410 00:18:48,240 --> 00:18:50,640 Speaker 2: from three hundred from thirty K to three hundred K. 411 00:18:51,240 --> 00:18:53,360 Speaker 2: And it's also the methods that I have been teaching 412 00:18:53,520 --> 00:18:55,480 Speaker 2: over a year now to the clients that I work 413 00:18:55,520 --> 00:18:58,560 Speaker 2: with through my coaching services. So I've never ever done 414 00:18:58,680 --> 00:19:02,600 Speaker 2: a negotiation. Only webinar and if you're there live, I'm 415 00:19:02,640 --> 00:19:05,760 Speaker 2: actually going to give you a free guide that's brand new. 416 00:19:05,800 --> 00:19:08,600 Speaker 2: It's a free guide to calculate your target salary, which 417 00:19:08,680 --> 00:19:10,600 Speaker 2: is a very common question that I get. Yeah, and 418 00:19:10,640 --> 00:19:12,520 Speaker 2: I'm like, let me just put together here's how I 419 00:19:12,600 --> 00:19:15,439 Speaker 2: thought about it mathematically through my career. How do you 420 00:19:15,560 --> 00:19:18,879 Speaker 2: actually target your salary when you see what the market 421 00:19:18,960 --> 00:19:21,000 Speaker 2: rates are and you know what you're making, and then 422 00:19:21,000 --> 00:19:22,879 Speaker 2: how do you kind of go in there knowing the 423 00:19:22,920 --> 00:19:25,720 Speaker 2: number that you have. So if you come live and 424 00:19:25,760 --> 00:19:29,120 Speaker 2: again seats are limited, nail yournegotiation dot com to get 425 00:19:29,160 --> 00:19:32,320 Speaker 2: your seats. If you come live, you will get that freebie. 426 00:19:32,880 --> 00:19:34,960 Speaker 2: So I hope to see you guys there. I'm so excited. 427 00:19:35,040 --> 00:19:37,600 Speaker 1: Yeah, And honestly, here's here's here's the BIS. Like if 428 00:19:37,600 --> 00:19:39,480 Speaker 1: we do this is what I do for when I 429 00:19:39,480 --> 00:19:41,720 Speaker 1: talk to about mentees, right, so like this is the 430 00:19:42,119 --> 00:19:44,199 Speaker 1: I call it. Like I'm sharing, like pulling back the 431 00:19:44,240 --> 00:19:47,159 Speaker 1: curtain of the back end of this. Like, so, what 432 00:19:47,240 --> 00:19:48,879 Speaker 1: the thing Minnie and I talked about is she was 433 00:19:48,960 --> 00:19:53,040 Speaker 1: like she was over delivering in her webinar and she 434 00:19:53,119 --> 00:19:55,280 Speaker 1: was like, well, if I do all of that, you know, 435 00:19:55,480 --> 00:19:57,439 Speaker 1: then what will I teach? Like you know, with the 436 00:19:57,560 --> 00:20:01,840 Speaker 1: like my mentees, her mentees, her Mandy money makers, and 437 00:20:01,880 --> 00:20:05,199 Speaker 1: we just talked about that, like the key to a 438 00:20:05,240 --> 00:20:11,280 Speaker 1: really great like free class is one to make sure 439 00:20:11,400 --> 00:20:14,639 Speaker 1: that you teach something to its completion, because there is 440 00:20:14,640 --> 00:20:16,560 Speaker 1: this weird thing that people do where let's just say, 441 00:20:16,560 --> 00:20:18,000 Speaker 1: you're like, I'm going to have a credit webinar, Like 442 00:20:18,040 --> 00:20:19,359 Speaker 1: I have a credit webinar, right, I'm gonna have a 443 00:20:19,359 --> 00:20:22,560 Speaker 1: credit webinar, but I'm only gonna there's five five ways 444 00:20:22,560 --> 00:20:24,440 Speaker 1: to raise your credit score. I'm only teaching it too. 445 00:20:24,760 --> 00:20:26,840 Speaker 1: It's like, that doesn't I don't like I call that 446 00:20:26,840 --> 00:20:29,320 Speaker 1: a gotcha, gotcha and I don't like that, you know. 447 00:20:29,760 --> 00:20:32,120 Speaker 1: So instead I was like, I'm gonna teach you if 448 00:20:32,119 --> 00:20:35,280 Speaker 1: I in my credit webinar, I'm gonna teach you everything 449 00:20:35,320 --> 00:20:38,080 Speaker 1: I know about credit. And then but I also know 450 00:20:38,119 --> 00:20:41,000 Speaker 1: I have an online school where we teach credit and 451 00:20:41,119 --> 00:20:44,320 Speaker 1: debt and budgeting and saving, and so it's like, even 452 00:20:44,359 --> 00:20:47,560 Speaker 1: though you're getting all things credit, it doesn't mean that 453 00:20:47,680 --> 00:20:50,040 Speaker 1: I'm devaluing what people who are paying for the school 454 00:20:50,080 --> 00:20:53,199 Speaker 1: are getting, you know, because to me, the purpose of 455 00:20:53,200 --> 00:20:55,640 Speaker 1: the webinar, of a really good webinar is someone should 456 00:20:55,680 --> 00:20:58,520 Speaker 1: be able to walk away fully feeling like I learned 457 00:20:58,560 --> 00:21:01,560 Speaker 1: the complete lesson. If I do buy something else from 458 00:21:01,600 --> 00:21:03,399 Speaker 1: you later, not like well why should I pay for 459 00:21:03,400 --> 00:21:05,520 Speaker 1: this because it was free over here? You know that 460 00:21:05,600 --> 00:21:07,720 Speaker 1: the complete lesson is part of a greater whole. So 461 00:21:08,440 --> 00:21:10,040 Speaker 1: for those of you in businesses and you have like 462 00:21:10,040 --> 00:21:12,520 Speaker 1: a service, and your service in some way is to 463 00:21:12,720 --> 00:21:15,359 Speaker 1: educate the masses, just keep that in mind that it 464 00:21:15,440 --> 00:21:19,520 Speaker 1: is okay to fully give something away as long as 465 00:21:19,600 --> 00:21:22,280 Speaker 1: part of a greater hole. Like you know, you give 466 00:21:22,320 --> 00:21:25,320 Speaker 1: away all the apples because you know you have like 467 00:21:25,520 --> 00:21:28,040 Speaker 1: seven other different types of fruit. And what it lets 468 00:21:28,080 --> 00:21:30,760 Speaker 1: people know is if this apple is so good, I 469 00:21:30,880 --> 00:21:32,840 Speaker 1: for sure want to shop at your market because I 470 00:21:32,880 --> 00:21:35,280 Speaker 1: need bananas, I need pears and need so I just like, 471 00:21:35,320 --> 00:21:37,160 Speaker 1: you know, like that was just something that like I've 472 00:21:37,240 --> 00:21:40,399 Speaker 1: learned over so many years of like I've been doing 473 00:21:40,440 --> 00:21:42,760 Speaker 1: webinars now for like ten years, and you know, you 474 00:21:42,840 --> 00:21:44,840 Speaker 1: learn that lesson of like I used to teach every 475 00:21:44,840 --> 00:21:46,239 Speaker 1: single lesson. I was like, wait, if I give all 476 00:21:46,240 --> 00:21:47,440 Speaker 1: this way for free, what they're gonna do with the 477 00:21:47,520 --> 00:21:50,000 Speaker 1: academy and then how much do I do when it 478 00:21:50,040 --> 00:21:52,160 Speaker 1: comes to credit? I just I love when someone takes 479 00:21:52,160 --> 00:21:54,280 Speaker 1: a webinar of mine and says, I literally raise my 480 00:21:54,320 --> 00:21:56,760 Speaker 1: credit score because of it. And sometimes people will take 481 00:21:56,760 --> 00:21:58,800 Speaker 1: a webinar and never buy anything from me, you know, 482 00:21:58,840 --> 00:22:00,840 Speaker 1: they never assigned for academy, they never buy a book. 483 00:22:00,880 --> 00:22:03,720 Speaker 1: And that's okay because if your if your desired outcome 484 00:22:04,080 --> 00:22:06,919 Speaker 1: is to reach into teach, then do that. Some people 485 00:22:07,000 --> 00:22:10,280 Speaker 1: will additionally get other things, not everyone, but I'm okay 486 00:22:10,359 --> 00:22:13,000 Speaker 1: with that because my you know, my desired outcome is 487 00:22:13,040 --> 00:22:14,600 Speaker 1: to reach into teach. So just keep that in mind. 488 00:22:14,640 --> 00:22:16,320 Speaker 1: For those of you who have businesses, would that makes 489 00:22:16,320 --> 00:22:19,080 Speaker 1: sense for him take that little GM. So I'm just 490 00:22:19,119 --> 00:22:20,600 Speaker 1: proud of me because we were talking about it back 491 00:22:20,600 --> 00:22:23,080 Speaker 1: and forth, and just like, I'm just so glad that 492 00:22:23,119 --> 00:22:26,040 Speaker 1: she's honing in on that because she teaches so much 493 00:22:26,160 --> 00:22:29,720 Speaker 1: more than that, but it's such a valuable chunk of 494 00:22:29,760 --> 00:22:32,480 Speaker 1: like what she teaches, so am out here. 495 00:22:33,040 --> 00:22:35,679 Speaker 2: I think I'm mormonal because I'm just getting misty. No, 496 00:22:35,800 --> 00:22:38,040 Speaker 2: but I know I love that you said that too, 497 00:22:38,080 --> 00:22:40,719 Speaker 2: because and the thought that went into this is and 498 00:22:40,760 --> 00:22:43,000 Speaker 2: I kind of explain this, if you're on an email list, 499 00:22:43,359 --> 00:22:45,399 Speaker 2: you can sign up in anybody dot com. But the 500 00:22:45,440 --> 00:22:47,320 Speaker 2: thought that went into this is Yes, I have done 501 00:22:47,359 --> 00:22:50,320 Speaker 2: it myself. I have ten x my salary. I have 502 00:22:50,440 --> 00:22:53,440 Speaker 2: become an expert negotiator for myself for the past year 503 00:22:53,800 --> 00:22:56,119 Speaker 2: and a half that I've been doing coaching. That was 504 00:22:56,160 --> 00:22:58,760 Speaker 2: me proving that I could teach it. That was me 505 00:22:58,880 --> 00:23:01,639 Speaker 2: proving that other and would benefit from hearing how I 506 00:23:01,680 --> 00:23:03,439 Speaker 2: did it, and that I could I could create a 507 00:23:03,480 --> 00:23:06,359 Speaker 2: method that could work for many more people than just me. 508 00:23:06,440 --> 00:23:09,639 Speaker 2: And that's the point, Like, I'm not happy until every 509 00:23:09,680 --> 00:23:12,479 Speaker 2: woman of color out there, first and foremost is feeling 510 00:23:12,520 --> 00:23:15,080 Speaker 2: more confident and able to ask for more at the 511 00:23:15,080 --> 00:23:18,199 Speaker 2: negotiating table. So I love that. Yes, the mission, the 512 00:23:18,240 --> 00:23:20,720 Speaker 2: mission is to reach and then teach, and I you know, 513 00:23:20,800 --> 00:23:22,600 Speaker 2: I spent the past year and a half and I 514 00:23:22,640 --> 00:23:25,600 Speaker 2: have the testimonials and the receipts to prove that I 515 00:23:25,640 --> 00:23:27,760 Speaker 2: know what I'm talking about. And it's not just something 516 00:23:27,800 --> 00:23:30,119 Speaker 2: and that should inspire everyone. It's not just something that 517 00:23:30,160 --> 00:23:32,560 Speaker 2: you can say, well, that's Mandy, you know, she's this, 518 00:23:32,720 --> 00:23:34,879 Speaker 2: she's that, she had this, she had that. No, like, 519 00:23:34,920 --> 00:23:38,040 Speaker 2: I'm boiling it all down and I am specifically talking 520 00:23:38,080 --> 00:23:42,040 Speaker 2: about the method that will help you negotiate more confidently 521 00:23:42,080 --> 00:23:45,560 Speaker 2: and actually actually get first of all, position yourself to 522 00:23:45,560 --> 00:23:48,280 Speaker 2: get the juicy offers. People think that it's all about 523 00:23:48,280 --> 00:23:50,520 Speaker 2: negotiating when you get to the table, but you have 524 00:23:50,600 --> 00:23:53,760 Speaker 2: to actually get to the table. So when you talk 525 00:23:53,800 --> 00:23:56,720 Speaker 2: about what else is there to be taught, it's about 526 00:23:56,760 --> 00:23:59,959 Speaker 2: that journey to the table that I think people skip. 527 00:24:00,320 --> 00:24:03,000 Speaker 2: And that's all what I'm about. That's like your professional 528 00:24:03,040 --> 00:24:07,720 Speaker 2: brand and your interviewing skills and developing rare unique value 529 00:24:07,800 --> 00:24:09,560 Speaker 2: that you can sell. So all of that is what 530 00:24:09,640 --> 00:24:12,879 Speaker 2: I'm sort of covering on a much larger grander scale 531 00:24:13,200 --> 00:24:16,440 Speaker 2: through Mandy money Makers. But in this specific webinar, we're 532 00:24:16,440 --> 00:24:19,400 Speaker 2: talking about negotiating and you're talk about. 533 00:24:19,200 --> 00:24:21,280 Speaker 1: Business enough, Like I just thought about that because in vaq, 534 00:24:21,520 --> 00:24:23,480 Speaker 1: like if you don't, if you don't listen to Baqwa, 535 00:24:23,800 --> 00:24:25,880 Speaker 1: you probably don't get it to hear us talk chat 536 00:24:25,920 --> 00:24:28,440 Speaker 1: about business stuff. I think we should integrate that more 537 00:24:28,440 --> 00:24:30,080 Speaker 1: into like our brand ambition CHET because I was just 538 00:24:30,080 --> 00:24:32,119 Speaker 1: thinking of it, Like, you know, we we don't talk 539 00:24:32,160 --> 00:24:34,800 Speaker 1: about business. I mean we we it's almost strictly personal finance, 540 00:24:34,800 --> 00:24:37,520 Speaker 1: which is great and we will continue. But there's so 541 00:24:37,600 --> 00:24:40,800 Speaker 1: many of you who are thinking about starting your business, 542 00:24:41,000 --> 00:24:43,040 Speaker 1: have a business, are not really sure, and I'm like, 543 00:24:43,040 --> 00:24:44,600 Speaker 1: you know, it would be great for us to include 544 00:24:44,640 --> 00:24:47,639 Speaker 1: some that chat. Now. If you like it, we love it. 545 00:24:47,720 --> 00:24:50,240 Speaker 1: Let us know. Send us some you know, an email 546 00:24:51,000 --> 00:24:54,399 Speaker 1: at brandebischionpocast at gmail dot com, you know, send us 547 00:24:54,520 --> 00:24:57,959 Speaker 1: a message on Instagram on Twitter, you know, like if 548 00:24:58,000 --> 00:24:59,840 Speaker 1: you're like, yes, I would love you to talk about 549 00:24:59,880 --> 00:25:02,959 Speaker 1: some business things as well as financial things, you know, 550 00:25:03,240 --> 00:25:06,880 Speaker 1: during Briannavision, not just be a QA Fridays, because yeah, 551 00:25:06,920 --> 00:25:10,880 Speaker 1: this's just I just think that, like, one of the 552 00:25:10,920 --> 00:25:14,679 Speaker 1: best ways to secure your finances in your financial future, 553 00:25:15,160 --> 00:25:16,920 Speaker 1: one of the best ways, not the only, because certainly 554 00:25:16,920 --> 00:25:18,840 Speaker 1: could do it through a nine to five. One of 555 00:25:18,880 --> 00:25:21,880 Speaker 1: the best ways is business because especially if I'm being 556 00:25:21,920 --> 00:25:24,840 Speaker 1: honest as a woman of color, you know, there's so 557 00:25:24,920 --> 00:25:28,000 Speaker 1: many places where people tell us no. But in your 558 00:25:28,000 --> 00:25:31,040 Speaker 1: own business, you know, you get to tell yourself yes, 559 00:25:32,000 --> 00:25:33,760 Speaker 1: you know what I mean. Are there still hindrances and 560 00:25:33,920 --> 00:25:36,600 Speaker 1: things that hold back, Absolutely, but I have way more 561 00:25:36,640 --> 00:25:39,879 Speaker 1: space and freedom to make a way versus waiting for 562 00:25:39,920 --> 00:25:42,320 Speaker 1: someone to see me, you know. And I'm definitely not 563 00:25:42,359 --> 00:25:44,240 Speaker 1: poop pulling on jobs because I had a job longer 564 00:25:44,240 --> 00:25:46,959 Speaker 1: than I didn't have a job, and it was helpful 565 00:25:47,160 --> 00:25:48,960 Speaker 1: to where I am now. And everyone's not built to 566 00:25:49,000 --> 00:25:51,520 Speaker 1: have a business, and businesses are very stressful and you're 567 00:25:51,560 --> 00:25:53,679 Speaker 1: gonna work way more that whole if you love what 568 00:25:53,720 --> 00:25:54,840 Speaker 1: you do, you never work a day and you're like, 569 00:25:54,920 --> 00:25:57,480 Speaker 1: it's a lie, it's a lie. I love being a 570 00:25:57,480 --> 00:25:59,520 Speaker 1: budget of these day and I work every day, you know. 571 00:26:00,480 --> 00:26:02,800 Speaker 1: So I'm certainly not saying businesses is better, but it 572 00:26:02,840 --> 00:26:06,040 Speaker 1: gave me a more of an opportunity to make wealth 573 00:26:06,040 --> 00:26:08,679 Speaker 1: that I would not have normally had the direction that 574 00:26:08,720 --> 00:26:10,280 Speaker 1: I was going in. And so I think we'll just 575 00:26:10,320 --> 00:26:12,200 Speaker 1: have more chatbat about that because I think it's important 576 00:26:12,280 --> 00:26:14,760 Speaker 1: for our listeners who are even just thinking about it 577 00:26:14,800 --> 00:26:17,280 Speaker 1: to hear that that that chat and here are our 578 00:26:17,320 --> 00:26:18,919 Speaker 1: early archejectory and story. 579 00:26:19,000 --> 00:26:22,160 Speaker 2: So my nine to five career was my venture capital 580 00:26:22,200 --> 00:26:25,359 Speaker 2: fund for my business exactly. That was the seed money. 581 00:26:25,800 --> 00:26:28,200 Speaker 2: I wasn't spending, as I mean, yeah, I was spending, 582 00:26:28,240 --> 00:26:30,800 Speaker 2: but I was always saving for freedom and when I 583 00:26:31,040 --> 00:26:32,439 Speaker 2: you know what I mean. So that gave me the 584 00:26:32,520 --> 00:26:36,000 Speaker 2: freedom to then you know, launch my own launch my 585 00:26:36,040 --> 00:26:38,520 Speaker 2: own business venture. And I'm so exciting, but yeah, I 586 00:26:38,520 --> 00:26:40,080 Speaker 2: wouldn't have had that without my nine to five, So 587 00:26:40,920 --> 00:26:44,280 Speaker 2: shout out to you payroll and the paychecks. I still 588 00:26:44,280 --> 00:26:46,760 Speaker 2: miss them. I'm not gonna. 589 00:26:46,119 --> 00:26:52,000 Speaker 3: Girl who doesn't, because they're coming radically given Now, fifteen 590 00:26:52,040 --> 00:26:54,560 Speaker 3: years later, there'll be a month where was like, al Tiffany, here, 591 00:26:54,840 --> 00:26:57,240 Speaker 3: here's six figures, and then the next month zero. 592 00:26:58,400 --> 00:27:01,560 Speaker 1: So it please, it's it's. 593 00:27:01,600 --> 00:27:03,919 Speaker 2: It's a whole episode about net sixty and how I 594 00:27:03,960 --> 00:27:06,360 Speaker 2: those are my two least favorite words. 595 00:27:06,600 --> 00:27:09,560 Speaker 1: Oh my gosh, I try to do fifteen thirty because 596 00:27:09,560 --> 00:27:11,640 Speaker 1: you literally there'll be so much for you, like everything hitting, 597 00:27:11,680 --> 00:27:13,480 Speaker 1: and it's like, yeah, nothing hits this month, so yeah, 598 00:27:13,480 --> 00:27:15,600 Speaker 1: just but we're gonna have more chat about that. Do 599 00:27:15,680 --> 00:27:16,600 Speaker 1: you want to do? Do you want to take a 600 00:27:16,680 --> 00:27:18,320 Speaker 1: quick break? And I know we've been chatting for a while. 601 00:27:18,720 --> 00:27:20,600 Speaker 2: Yeah, let's take a quick break and be right back 602 00:27:20,600 --> 00:27:22,040 Speaker 2: with your brown Boost brown break. 603 00:27:22,480 --> 00:27:26,639 Speaker 1: Yeah, and now it's time to boost a break with 604 00:27:26,840 --> 00:27:31,320 Speaker 1: all our family. Okay, is she going boost? Is she 605 00:27:31,440 --> 00:27:36,560 Speaker 1: going break? What you're gonna do? What you're gonna do? Mandy, Mandy, 606 00:27:37,160 --> 00:27:38,240 Speaker 1: Mandy Man. 607 00:27:39,600 --> 00:27:42,920 Speaker 2: That was like a combo of all the brown boots. Damns. 608 00:27:43,040 --> 00:27:46,359 Speaker 2: I like that. That's like the remix. I'm gonna boost, 609 00:27:46,520 --> 00:27:50,600 Speaker 2: I'm gonna boost the queen the goat, the real queen 610 00:27:50,760 --> 00:27:53,720 Speaker 2: that we should all be talking about, Viola Damn Davis 611 00:27:53,760 --> 00:27:59,280 Speaker 2: and her film, her starring, multi million dollar earning movie 612 00:27:59,400 --> 00:28:01,480 Speaker 2: that just came not this weekend called The Woman King. 613 00:28:02,600 --> 00:28:06,640 Speaker 2: I heard that it was number one at the box office. Yeah, 614 00:28:07,119 --> 00:28:10,040 Speaker 2: so I'm so damn excited. I am desperate to go 615 00:28:10,080 --> 00:28:13,480 Speaker 2: see it. I had agreed with some like other women 616 00:28:13,480 --> 00:28:15,240 Speaker 2: in the neighborhood who I'm friends with, to go see 617 00:28:15,240 --> 00:28:17,480 Speaker 2: it like a couple of weeks from now, but I 618 00:28:17,680 --> 00:28:19,359 Speaker 2: don't tell them I'm going to go see it tomorrow 619 00:28:19,400 --> 00:28:20,760 Speaker 2: because I don't want to be the one who hasn't 620 00:28:20,760 --> 00:28:23,000 Speaker 2: seen it yet, you know, like I got fomos. So 621 00:28:23,160 --> 00:28:24,600 Speaker 2: that's the beauty of working from home. I'm going to 622 00:28:24,640 --> 00:28:28,040 Speaker 2: go see it tomorrow. But I'm so damn excited because 623 00:28:28,520 --> 00:28:31,679 Speaker 2: y'all know what happens if movies that you know, for 624 00:28:31,800 --> 00:28:33,960 Speaker 2: women that look like the women this is all like 625 00:28:34,440 --> 00:28:38,840 Speaker 2: dark skinned, powerful women not being the objects you know 626 00:28:39,240 --> 00:28:41,920 Speaker 2: that are that are taken advantage of or victimize. They 627 00:28:41,920 --> 00:28:44,120 Speaker 2: are the warriors, they are the winners. Plus it's based 628 00:28:44,160 --> 00:28:46,840 Speaker 2: on a true story. Like the fact that this movie 629 00:28:46,920 --> 00:28:50,760 Speaker 2: is doing so well, it bodes so much. It's bodes 630 00:28:50,800 --> 00:28:54,400 Speaker 2: so well for you know, black female led films in 631 00:28:54,400 --> 00:28:57,640 Speaker 2: the future. So if you haven't gone to see it, 632 00:28:57,720 --> 00:29:01,720 Speaker 2: please go support this film, and not just because you 633 00:29:01,720 --> 00:29:04,320 Speaker 2: you know, feel that like a bit of obligation. The 634 00:29:05,160 --> 00:29:09,160 Speaker 2: reviews are in and the reviews are phenomenal, like a 635 00:29:09,160 --> 00:29:12,760 Speaker 2: a score on Cinema Score, like fans are loving it. 636 00:29:12,920 --> 00:29:15,360 Speaker 2: Everyone I know who has seen it has loved it. 637 00:29:15,440 --> 00:29:19,120 Speaker 2: So it looks really spectacular and I can't wait to see. 638 00:29:19,120 --> 00:29:21,680 Speaker 1: Yeah, it's a little flex. I went to one of 639 00:29:21,720 --> 00:29:25,640 Speaker 1: my friends, Stanley owns this really great African restaurant in 640 00:29:25,760 --> 00:29:28,760 Speaker 1: Harlem called Taurannga. So he hit me up, was like, Hey, 641 00:29:28,760 --> 00:29:30,920 Speaker 1: We're having a forty person dinner with the director of 642 00:29:30,960 --> 00:29:34,680 Speaker 1: the film and some of the I know and some 643 00:29:34,720 --> 00:29:37,920 Speaker 1: of the the actresses from the film. And I was like, 644 00:29:37,920 --> 00:29:39,120 Speaker 1: oh my gosh, it's not gonna got to be there. 645 00:29:39,120 --> 00:29:41,240 Speaker 1: He's like, you tried it now, but the director will 646 00:29:41,240 --> 00:29:44,479 Speaker 1: be here. And it was amazing. The food was they 647 00:29:44,600 --> 00:29:47,640 Speaker 1: they What I loved was is that Stanley made because 648 00:29:47,680 --> 00:29:51,320 Speaker 1: normally his chef is a is an African man his 649 00:29:51,400 --> 00:29:53,880 Speaker 1: head chef, but he specifically chose an African woman who 650 00:29:54,000 --> 00:29:58,440 Speaker 1: was amazing, and she made authentic African food across the diaspora, 651 00:29:58,520 --> 00:30:03,520 Speaker 1: like food from benin Nigeria, food from Liberia, food from Ghana. Synically, 652 00:30:03,760 --> 00:30:07,040 Speaker 1: it was. It was so many courses and so delicious, 653 00:30:07,080 --> 00:30:09,800 Speaker 1: and I felt like I almost teared up because she 654 00:30:10,000 --> 00:30:13,600 Speaker 1: served Okra soup, which is like such an Ebo. So 655 00:30:13,640 --> 00:30:16,800 Speaker 1: I'm Nigerian, but I'm Ebo such an Ebo staple and 656 00:30:16,880 --> 00:30:19,040 Speaker 1: like that's one of like my mom my favorite things 657 00:30:19,080 --> 00:30:20,680 Speaker 1: and my momkes So I was like, oh my god. 658 00:30:20,680 --> 00:30:22,360 Speaker 1: I felt like I was sitting at home because Okra 659 00:30:22,440 --> 00:30:23,920 Speaker 1: soup is not something that you like get at a 660 00:30:24,000 --> 00:30:26,240 Speaker 1: restaurant necessarily, you know. It's like the thing that like 661 00:30:26,600 --> 00:30:28,719 Speaker 1: it's like Peter buturn and jelly, you know what I mean, 662 00:30:28,720 --> 00:30:30,400 Speaker 1: Like you're not gonna order Peter and jelly from restaurant, 663 00:30:30,400 --> 00:30:30,720 Speaker 1: but it's a. 664 00:30:30,800 --> 00:30:31,680 Speaker 3: Home, you know. 665 00:30:31,800 --> 00:30:33,160 Speaker 1: So I was just like, oh my gosh. It's just 666 00:30:33,440 --> 00:30:36,920 Speaker 1: it was this room full of like beautiful brown and 667 00:30:36,960 --> 00:30:39,720 Speaker 1: Black people from the diaspora from all different walks of life, 668 00:30:40,600 --> 00:30:43,440 Speaker 1: you know, just like celebrating the film. It's just felt 669 00:30:43,440 --> 00:30:45,840 Speaker 1: amazing to be in the room. And so yeah, I'm 670 00:30:45,840 --> 00:30:50,480 Speaker 1: excited to see it too, so that's for us. So 671 00:30:50,560 --> 00:30:52,440 Speaker 1: I'm gonna do a mini boost and then a bigger boost. 672 00:30:52,480 --> 00:30:54,880 Speaker 1: So mini boosts. I don't know if y'all have been 673 00:30:54,880 --> 00:30:57,400 Speaker 1: seeing it, but my skin has been growing okay, And 674 00:30:57,600 --> 00:30:59,200 Speaker 1: I was like, what is going on? Because I mean, 675 00:30:59,200 --> 00:31:01,320 Speaker 1: I'm not really one of that out anyway, but I'm 676 00:31:01,360 --> 00:31:03,680 Speaker 1: never I wasn't really giving you velvety salt. I was 677 00:31:03,720 --> 00:31:05,360 Speaker 1: just giving you every day, you know, day to day. 678 00:31:05,640 --> 00:31:08,560 Speaker 1: But the other day my makeup artist was like, why 679 00:31:08,600 --> 00:31:10,600 Speaker 1: do you have foundation on already? Because I was like, 680 00:31:10,640 --> 00:31:12,240 Speaker 1: I forget what I was getting my face made for 681 00:31:12,360 --> 00:31:15,000 Speaker 1: some TV thing and I was like, girl, I don't 682 00:31:15,080 --> 00:31:17,440 Speaker 1: And I said, you're the second makeup artist this month 683 00:31:17,480 --> 00:31:19,440 Speaker 1: that told me that, and she was like, well, who's 684 00:31:19,440 --> 00:31:20,880 Speaker 1: the first. I thought I was making bars I'm my girl. 685 00:31:20,880 --> 00:31:25,160 Speaker 1: I was in Atlanta and so she was like, no, Tiffany, 686 00:31:25,160 --> 00:31:26,360 Speaker 1: what do you do with your skin? And I was 687 00:31:26,440 --> 00:31:28,800 Speaker 1: trying to figure out what it was because I don't 688 00:31:28,880 --> 00:31:32,360 Speaker 1: nothing different. And then my sister Carol came over yesterday 689 00:31:32,600 --> 00:31:35,240 Speaker 1: and I was like, greener skins, looking great. And Carol 690 00:31:35,280 --> 00:31:40,680 Speaker 1: has been taking zinc and because she she she was 691 00:31:41,840 --> 00:31:44,120 Speaker 1: she kept getting these cold because she's got kids in school, 692 00:31:44,200 --> 00:31:46,000 Speaker 1: so you know, her her son is like seven, her 693 00:31:46,320 --> 00:31:48,160 Speaker 1: daughter's five. So you're, you know, coming home with everything 694 00:31:49,720 --> 00:31:51,640 Speaker 1: and so everything but your winter jacket, right, you don't 695 00:31:51,640 --> 00:31:53,280 Speaker 1: even kids just be leaving everything at school, but they 696 00:31:53,320 --> 00:31:58,760 Speaker 1: bring every disease home. Where's your coat? And so she 697 00:31:58,880 --> 00:32:00,720 Speaker 1: said that she like, my mom's a nurse. So my 698 00:32:00,800 --> 00:32:04,160 Speaker 1: mom was like, you know, zinc is like a I 699 00:32:04,240 --> 00:32:07,120 Speaker 1: guess it's a reparative compound, you know, Like so when 700 00:32:07,160 --> 00:32:08,920 Speaker 1: you like when even when I had gotten COVID, one 701 00:32:08,920 --> 00:32:10,680 Speaker 1: of the things that everyone told me to take was 702 00:32:10,760 --> 00:32:13,960 Speaker 1: like zinc, vitamin C blah blah blah. So she was 703 00:32:14,160 --> 00:32:16,760 Speaker 1: taking it and she noticed her skin was looking amazing. 704 00:32:17,080 --> 00:32:20,480 Speaker 1: So she googled it and found that lots of boxers 705 00:32:20,680 --> 00:32:24,520 Speaker 1: take zinc because it is a reparative I guess compound 706 00:32:24,520 --> 00:32:26,200 Speaker 1: and it brings your so you know, boxes get hit 707 00:32:26,240 --> 00:32:29,240 Speaker 1: in the face, skin, skin gets broken, so it helps 708 00:32:29,280 --> 00:32:33,760 Speaker 1: to make your skin like repair faster. And so when 709 00:32:33,760 --> 00:32:34,880 Speaker 1: I was thinking about it, like, I was like, well, 710 00:32:34,920 --> 00:32:37,040 Speaker 1: I haven't taken zinc since like, you know, COVID left. 711 00:32:37,320 --> 00:32:39,120 Speaker 1: But then I realized because Tracy was like, even though 712 00:32:39,120 --> 00:32:41,920 Speaker 1: you're black, you walk every day, tiffany where your sunscreen? 713 00:32:42,280 --> 00:32:44,240 Speaker 1: Where your sunscreen? And I was like fine, And the 714 00:32:44,280 --> 00:32:48,120 Speaker 1: only sunscreen I had was this zinc based sunscreen that 715 00:32:48,200 --> 00:32:49,960 Speaker 1: gives you the white cast. And I was like, well, girl, 716 00:32:50,000 --> 00:32:51,120 Speaker 1: these people are just gonna have to see me out 717 00:32:51,120 --> 00:32:53,240 Speaker 1: here looking like a ghost. But so literally I was 718 00:32:53,320 --> 00:32:55,200 Speaker 1: been slathering it all my face and taking my two 719 00:32:55,240 --> 00:32:57,640 Speaker 1: hour walks, and I was like, that's what. After doing 720 00:32:57,680 --> 00:33:01,640 Speaker 1: some research, I found it's the zinc that zinc especially 721 00:33:02,120 --> 00:33:04,600 Speaker 1: is reperative to skin, and it's the reason why, like 722 00:33:04,640 --> 00:33:06,880 Speaker 1: if you have any baby, if you if you look 723 00:33:06,920 --> 00:33:08,960 Speaker 1: at what when you look at under diaper rash cream 724 00:33:09,080 --> 00:33:10,760 Speaker 1: number one ingredients zinc zinc. 725 00:33:11,520 --> 00:33:15,120 Speaker 2: Yes, And I was like, I'm rolling up. It's literally 726 00:33:15,200 --> 00:33:16,200 Speaker 2: called butt paste. 727 00:33:16,240 --> 00:33:20,000 Speaker 1: Yes, and so yeah. So honestly, I mean it's it's 728 00:33:20,120 --> 00:33:22,080 Speaker 1: the zinc. I'm not taking like, you know, zinc oily 729 00:33:22,120 --> 00:33:23,680 Speaker 1: because I'm like, girl, I can't do pills. I hate 730 00:33:23,720 --> 00:33:25,680 Speaker 1: them unless I actually have to. But I'm like, it's 731 00:33:25,720 --> 00:33:27,800 Speaker 1: really just they gonna get this white cast when I walk. 732 00:33:27,880 --> 00:33:30,960 Speaker 1: That's what that just means. And make sure you get 733 00:33:30,960 --> 00:33:34,320 Speaker 1: your face and your neck and so so, because there 734 00:33:34,360 --> 00:33:37,600 Speaker 1: are some you know, certainly there are some sunscreens that 735 00:33:37,640 --> 00:33:40,840 Speaker 1: don't have zinc in it, you know, but I found 736 00:33:40,880 --> 00:33:43,880 Speaker 1: out from like my dermatosis. She's she's a black woman, 737 00:33:44,160 --> 00:33:48,840 Speaker 1: and she said, oftentimes a lot of these sunscreens that 738 00:33:49,200 --> 00:33:51,720 Speaker 1: they share, you know, specifically for black and brown people 739 00:33:51,720 --> 00:33:53,760 Speaker 1: who don't want the white cast. She was like, I 740 00:33:53,840 --> 00:33:56,640 Speaker 1: hate to say, you're not getting the full coverage and necessary, 741 00:33:57,120 --> 00:33:59,400 Speaker 1: she said, because the white casts from the zinc is 742 00:33:59,560 --> 00:34:02,080 Speaker 1: what's blocking. She said, not that they don't work at all, 743 00:34:02,440 --> 00:34:05,120 Speaker 1: but it's that ugly white cat that's blocking. She's like, 744 00:34:05,160 --> 00:34:06,000 Speaker 1: I know it feels. 745 00:34:06,240 --> 00:34:08,000 Speaker 2: So she was like, sun hat too. 746 00:34:08,360 --> 00:34:11,080 Speaker 1: Yeah, so she was just like, so I realized. So honestly, 747 00:34:11,120 --> 00:34:12,560 Speaker 1: I just say that to say, when I tell you 748 00:34:13,040 --> 00:34:16,200 Speaker 1: the zinc in it, my skin just looks like I'm where, 749 00:34:16,239 --> 00:34:17,960 Speaker 1: I'm not very anything on my face right now. If 750 00:34:18,400 --> 00:34:20,400 Speaker 1: you're on YouTube, I'm rubbing my face and be like, 751 00:34:20,719 --> 00:34:23,200 Speaker 1: you know, and so I'm just like, I can't believe 752 00:34:23,840 --> 00:34:26,080 Speaker 1: my skin is just low thanks zinc. That's my brown 753 00:34:26,400 --> 00:34:28,680 Speaker 1: because you know us brownies, because everybody could use a 754 00:34:28,760 --> 00:34:31,640 Speaker 1: velvety sauce. So that's one, and then two, A bigger 755 00:34:31,719 --> 00:34:35,719 Speaker 1: one is that so many black and brown women who 756 00:34:35,840 --> 00:34:37,920 Speaker 1: have their own businesses that have done really well have 757 00:34:38,040 --> 00:34:39,959 Speaker 1: been reaching out to me lately. I was just shocked. 758 00:34:40,239 --> 00:34:42,600 Speaker 1: I've been doing conferences and they'll hit me up later, 759 00:34:43,200 --> 00:34:48,440 Speaker 1: and they are over the hustle, hustle, hustle, make it 760 00:34:48,520 --> 00:34:51,720 Speaker 1: at any cost culture. And I'm just so happy about 761 00:34:51,760 --> 00:34:54,480 Speaker 1: that because just a few years ago, everyone was like 762 00:34:54,800 --> 00:34:58,200 Speaker 1: Bigger is better, more is more. And when I tell you, 763 00:34:58,480 --> 00:35:00,160 Speaker 1: like the level of women that have been reaching to 764 00:35:00,200 --> 00:35:02,719 Speaker 1: be women who have made millions, some women who've made 765 00:35:02,760 --> 00:35:05,840 Speaker 1: tens of millions, and they were like, Tiffany, you seem 766 00:35:06,800 --> 00:35:09,040 Speaker 1: not to be stressed like you were a few years ago. 767 00:35:09,040 --> 00:35:11,560 Speaker 1: When I'm at you, what's happening? And I just have 768 00:35:11,680 --> 00:35:15,279 Speaker 1: been like, honestly, I just have decided I after Drew 769 00:35:15,320 --> 00:35:17,279 Speaker 1: passed away, I just said I don't want to live 770 00:35:17,320 --> 00:35:20,440 Speaker 1: in that space anymore, like more for more, like cause 771 00:35:20,480 --> 00:35:22,600 Speaker 1: what was I really working toward? I mean, I still 772 00:35:22,600 --> 00:35:24,640 Speaker 1: wear my target's best, you know what I mean. Like 773 00:35:24,640 --> 00:35:26,319 Speaker 1: I'm not trying to buy a Lamborghini. There's nothing wrong 774 00:35:26,320 --> 00:35:29,160 Speaker 1: with Lamborghini, but I don't need one. So you have 775 00:35:29,440 --> 00:35:31,800 Speaker 1: enough to actually not work anymore, So why are you 776 00:35:31,840 --> 00:35:33,040 Speaker 1: still working like you need to work? 777 00:35:33,080 --> 00:35:34,480 Speaker 2: So hard, you know. 778 00:35:35,040 --> 00:35:37,040 Speaker 1: And so I actually was talking to my friend Mark 779 00:35:37,080 --> 00:35:38,719 Speaker 1: this morning, who's been an entrepreneur as long as I have, 780 00:35:39,200 --> 00:35:41,960 Speaker 1: and he said, tell me what your ten thirty looks like, 781 00:35:42,120 --> 00:35:43,640 Speaker 1: and I could tell you a little bit more about 782 00:35:43,640 --> 00:35:45,480 Speaker 1: your life and what stayed you're in. 783 00:35:46,200 --> 00:35:47,200 Speaker 2: You're ten thirty am. 784 00:35:47,440 --> 00:35:49,840 Speaker 1: Yep, m hm at ten o'clock, ten thirty am. And 785 00:35:49,920 --> 00:35:51,400 Speaker 1: he was like, I mean, aside you have kids. If 786 00:35:51,400 --> 00:35:53,080 Speaker 1: you have kids, sorry for you, but you know, I 787 00:35:53,160 --> 00:35:55,839 Speaker 1: meaning like it looks like I just dropped the babies off, 788 00:35:56,200 --> 00:35:59,360 Speaker 1: but meaning like, what are you doing with that time? Like, 789 00:35:59,440 --> 00:36:02,080 Speaker 1: are you at your job? Are you like, like, are 790 00:36:02,160 --> 00:36:04,359 Speaker 1: you hustling still hard in ear of your business? Which 791 00:36:04,400 --> 00:36:06,239 Speaker 1: is nothing wrong with that, but he said, I can 792 00:36:06,280 --> 00:36:09,520 Speaker 1: tell you what stage where you're at, you know. And 793 00:36:09,680 --> 00:36:12,279 Speaker 1: so five or six years ago, my ten thirty was 794 00:36:12,400 --> 00:36:15,719 Speaker 1: like I was already up by four or five, you know, 795 00:36:16,040 --> 00:36:17,920 Speaker 1: starting to get work in and by ten thirty I 796 00:36:18,000 --> 00:36:20,640 Speaker 1: was probably on my sixth call. And Tiffany now at 797 00:36:20,680 --> 00:36:22,839 Speaker 1: ten thirty is likely watering the flowers in the front 798 00:36:22,880 --> 00:36:26,839 Speaker 1: of her house, you know, and so like, and I'm 799 00:36:26,920 --> 00:36:30,160 Speaker 1: basically I'm working toward what does my ten thirty look like? 800 00:36:30,239 --> 00:36:32,880 Speaker 1: On average, like, that's what I'm working toward. I realized 801 00:36:32,960 --> 00:36:34,680 Speaker 1: is that, like, and it's okay, that's not what it is. 802 00:36:34,760 --> 00:36:34,880 Speaker 2: Now. 803 00:36:35,080 --> 00:36:38,640 Speaker 1: My sister Tracy just started her pr business, like you know, 804 00:36:38,800 --> 00:36:40,560 Speaker 1: two years ago. Her ten times is not going to 805 00:36:40,600 --> 00:36:42,880 Speaker 1: look like that. She's still in the early stages of business. 806 00:36:43,080 --> 00:36:45,759 Speaker 1: But keeping that in mind that like, what do you 807 00:36:45,800 --> 00:36:48,200 Speaker 1: want your ten thirty two look like? So you're not 808 00:36:48,360 --> 00:36:50,680 Speaker 1: just working for working for working for working sake, you 809 00:36:50,760 --> 00:36:52,759 Speaker 1: know what I mean? And so the fact that so 810 00:36:52,840 --> 00:36:55,279 Speaker 1: many women, especially black women, have been reaching out to 811 00:36:55,400 --> 00:36:58,719 Speaker 1: me who have accomplished the financial desire that they wanted 812 00:36:58,719 --> 00:37:01,280 Speaker 1: to accomplish, and they really, why am I still working 813 00:37:01,360 --> 00:37:03,680 Speaker 1: so hard? I want to spend more time with my kids. 814 00:37:04,120 --> 00:37:06,520 Speaker 1: I want my ten thirty to look too, you know. 815 00:37:06,760 --> 00:37:08,440 Speaker 1: I just it just warms my heart because that was 816 00:37:08,480 --> 00:37:10,239 Speaker 1: not the conversation that we're being had years ago. 817 00:37:10,800 --> 00:37:14,160 Speaker 2: It was just more privilege. Yeah, I feel super privileged 818 00:37:14,200 --> 00:37:17,120 Speaker 2: myself to be surrounded by people who think like you 819 00:37:17,840 --> 00:37:20,520 Speaker 2: because I've pre learned that I never want to reach 820 00:37:20,600 --> 00:37:24,360 Speaker 2: out breaking point. That's my goal, like just baking the boundaries. 821 00:37:24,520 --> 00:37:28,080 Speaker 2: Now have the have the huge blocks on my calendar. 822 00:37:28,160 --> 00:37:31,320 Speaker 2: One of the more. One of the most powerful keynotes 823 00:37:31,400 --> 00:37:34,399 Speaker 2: at fin Con was by Bernadette Joy. If you guys 824 00:37:34,400 --> 00:37:36,319 Speaker 2: don't follow her, she has a podcast called Crush Your 825 00:37:36,600 --> 00:37:39,040 Speaker 2: Crush Your Money Goals, and one of her most she 826 00:37:39,480 --> 00:37:42,719 Speaker 2: put a screenshot of her schedule on the screen and this, 827 00:37:42,920 --> 00:37:45,080 Speaker 2: I feel like, is the new like what you're talking about, 828 00:37:45,120 --> 00:37:47,520 Speaker 2: the new mindset of being a business owner. And it 829 00:37:47,680 --> 00:37:53,640 Speaker 2: was like Monday blocked out, Tuesday, Wednesday, Thursday open, Friday 830 00:37:53,800 --> 00:37:57,399 Speaker 2: blocked out, you know, and having these boundaries and I'm like, yep, 831 00:37:57,480 --> 00:38:01,400 Speaker 2: that feels like my calendar. This feels super affirming. So 832 00:38:01,560 --> 00:38:04,360 Speaker 2: if it can't happen with these boundaries in place, that 833 00:38:04,480 --> 00:38:06,839 Speaker 2: I need to you know, that I need to move things. 834 00:38:07,000 --> 00:38:09,319 Speaker 2: It's not my schedule that's a problem, you know, it's 835 00:38:09,360 --> 00:38:12,440 Speaker 2: the business model, or it's the way that I'm strategizing, 836 00:38:12,600 --> 00:38:13,960 Speaker 2: or like let me get Tip on the phone and 837 00:38:14,040 --> 00:38:14,880 Speaker 2: ask her what I can do. 838 00:38:15,120 --> 00:38:20,640 Speaker 1: Like there are moments of surge and that's okay. So 839 00:38:20,800 --> 00:38:23,880 Speaker 1: for example, when I was pushing Netflix for like two weeks, 840 00:38:23,960 --> 00:38:26,160 Speaker 1: it was crazy. It was like go go go, go, 841 00:38:26,280 --> 00:38:29,480 Speaker 1: go go go. But this today I spoke to Logan, 842 00:38:29,520 --> 00:38:31,399 Speaker 1: I said, you know, we're no longer in launch mode. 843 00:38:31,840 --> 00:38:35,120 Speaker 1: It's been two weeks, so crazy. We're back to Hey, girl, 844 00:38:35,400 --> 00:38:37,880 Speaker 1: get off my calendar. I told Logan, you're on my calendar. 845 00:38:37,920 --> 00:38:41,440 Speaker 1: I expect a PowerPoint and I gloss because that means 846 00:38:41,440 --> 00:38:44,560 Speaker 1: it is over. Yes, I'm gonna be sitting with you. 847 00:38:44,840 --> 00:38:47,080 Speaker 1: I was telling Mark, I said, you know, the only 848 00:38:47,200 --> 00:38:50,880 Speaker 1: thing that's consistent on my calendar is Brown Ambition. That's it. 849 00:38:51,560 --> 00:38:53,359 Speaker 1: Everything else is like, oh, I might have this meeting 850 00:38:53,440 --> 00:38:55,840 Speaker 1: this Wednesday, but then the next Tuesday. Brown Ambition is 851 00:38:55,880 --> 00:38:59,120 Speaker 1: the only weekly thing that's on my calendar every single week. 852 00:38:59,280 --> 00:39:02,520 Speaker 1: Isn't that just a ma like there's nothing else. It 853 00:39:02,640 --> 00:39:04,560 Speaker 1: was like not to say I don't have meetings, but 854 00:39:04,680 --> 00:39:07,120 Speaker 1: it's not every Wednesday I meet with such as every 855 00:39:07,160 --> 00:39:09,000 Speaker 1: Tuesday I meet with that. That's how my life is 856 00:39:09,080 --> 00:39:12,040 Speaker 1: to be yes, every and now it's like, no, you 857 00:39:12,120 --> 00:39:14,279 Speaker 1: have Brown Ambition, and everything else comes and goes. I 858 00:39:14,360 --> 00:39:17,279 Speaker 1: don't work Wednesdays. I don't work Fridays unless something super 859 00:39:17,320 --> 00:39:18,880 Speaker 1: special comes up, like you know, I'm traveling to like 860 00:39:18,920 --> 00:39:21,480 Speaker 1: speak at a conference, whatever, which doesn't happen as often. 861 00:39:21,760 --> 00:39:23,359 Speaker 1: I don't work Wednesdays. I don't have those days are 862 00:39:23,360 --> 00:39:25,279 Speaker 1: blocked off and I don't work weekends. You know, those 863 00:39:25,360 --> 00:39:27,240 Speaker 1: days are blocked off unless, like I said, I'm traveling 864 00:39:27,320 --> 00:39:29,839 Speaker 1: for you know business, which I said does maybe it's 865 00:39:29,840 --> 00:39:32,520 Speaker 1: a few times a year that happens. And it's okay 866 00:39:32,520 --> 00:39:34,319 Speaker 1: if you want to work Wednesdays or Fridays or whatever. 867 00:39:34,520 --> 00:39:36,120 Speaker 1: Because one of the things I want to do next year, 868 00:39:37,040 --> 00:39:38,480 Speaker 1: should I say it now? Yeah, I'm going to say, 869 00:39:38,480 --> 00:39:39,800 Speaker 1: is that I want to do something start that I 870 00:39:39,880 --> 00:39:42,560 Speaker 1: want to call wealth Walks. And because we're I think 871 00:39:42,600 --> 00:39:44,359 Speaker 1: I really like as I like connecting with my dream 872 00:39:44,400 --> 00:39:47,520 Speaker 1: catchers in person. And so although I guess on paper 873 00:39:47,560 --> 00:39:49,400 Speaker 1: it's like looks like work, but not for me. I 874 00:39:49,480 --> 00:39:51,359 Speaker 1: want to literally just fly out and be like, oh, 875 00:39:51,480 --> 00:39:55,040 Speaker 1: I'm coming to you know, buckhead who wants to meet 876 00:39:55,040 --> 00:39:58,000 Speaker 1: me at the local park. And because I love walking 877 00:39:58,520 --> 00:40:00,560 Speaker 1: and I love talking about Monday, So how do I 878 00:40:00,600 --> 00:40:02,840 Speaker 1: combine those two things and I love connecting with dream catchers. 879 00:40:03,160 --> 00:40:06,200 Speaker 1: Let's meet at this park. Bring a blanket, a book bag, 880 00:40:06,600 --> 00:40:08,440 Speaker 1: a sandwich, and a water bottle, and we're just going 881 00:40:08,520 --> 00:40:10,839 Speaker 1: to walk and talk about money for maybe like thirty minutes, 882 00:40:10,840 --> 00:40:14,080 Speaker 1: forty five minutes, find a grassy knoll, sit, eat our sandwich, 883 00:40:14,120 --> 00:40:16,160 Speaker 1: and just KEI key, Like, honestly, that's what I'm going 884 00:40:16,200 --> 00:40:19,920 Speaker 1: to be doing next year, flying out and I'm excited, 885 00:40:24,480 --> 00:40:28,320 Speaker 1: you know, I'm so excited about it. And what literally 886 00:40:28,400 --> 00:40:29,640 Speaker 1: and what I love about it is that like I 887 00:40:29,680 --> 00:40:31,960 Speaker 1: don't want anything for I just I just want to 888 00:40:32,040 --> 00:40:35,120 Speaker 1: I want to connect because I went to invest best 889 00:40:35,160 --> 00:40:36,839 Speaker 1: and part of me is like, Tiffany, are you missing 890 00:40:36,920 --> 00:40:39,560 Speaker 1: out because you don't want to have a conference? And 891 00:40:39,719 --> 00:40:41,560 Speaker 1: I said, because, I said, what is it about this 892 00:40:41,680 --> 00:40:44,239 Speaker 1: that you like? I said, I love the connection? I said, 893 00:40:44,280 --> 00:40:46,080 Speaker 1: what is it that you don't like? I said, I don't. 894 00:40:46,120 --> 00:40:48,640 Speaker 1: I don't like I can't imagine how much work this is. 895 00:40:48,680 --> 00:40:52,480 Speaker 1: And I don't like this super hyperstructure of this, you 896 00:40:52,560 --> 00:40:53,960 Speaker 1: know not. I mean I loved it for them, but 897 00:40:54,120 --> 00:40:56,040 Speaker 1: for me because I could have been had a conference. 898 00:40:56,080 --> 00:40:58,200 Speaker 1: I'm not interested in that, you know, but I do 899 00:40:58,400 --> 00:41:01,600 Speaker 1: want that connection. And I said, girl, do these wealth 900 00:41:01,640 --> 00:41:04,080 Speaker 1: walks like you love? Connecting with dream catchup. I'm honestly 901 00:41:04,239 --> 00:41:06,520 Speaker 1: so excited about it to be like wooh, so I'll 902 00:41:06,520 --> 00:41:08,680 Speaker 1: be coming to a city near you. Literally, that's all 903 00:41:08,719 --> 00:41:09,960 Speaker 1: I know. Like, I don't you know, people like, well 904 00:41:10,000 --> 00:41:12,040 Speaker 1: when and now I'm like, I don't know I'll figure out. 905 00:41:12,040 --> 00:41:13,640 Speaker 1: I'll just be like I'll post it on social or 906 00:41:13,680 --> 00:41:15,239 Speaker 1: something and just be like, hey, I'm gonna be here 907 00:41:15,280 --> 00:41:16,800 Speaker 1: if you want to take a walk with me. And 908 00:41:17,600 --> 00:41:19,080 Speaker 1: it might even be like we're red so I know 909 00:41:19,120 --> 00:41:20,320 Speaker 1: it's you, or we're blue so I know it to 910 00:41:20,360 --> 00:41:21,880 Speaker 1: you or something, so we can all meet up and 911 00:41:21,920 --> 00:41:24,279 Speaker 1: see each other and then that's literally walk and talk 912 00:41:24,280 --> 00:41:26,520 Speaker 1: about money and then and then after that just talk 913 00:41:26,840 --> 00:41:29,279 Speaker 1: because you know, as women are apt to do, not 914 00:41:29,520 --> 00:41:30,800 Speaker 1: the same men. I'm not gonna be allowed because I 915 00:41:30,800 --> 00:41:32,600 Speaker 1: don't know how y'all do. You can even bring the kids, 916 00:41:32,640 --> 00:41:34,279 Speaker 1: which I love, like bring the babies in a stroll, 917 00:41:34,360 --> 00:41:37,400 Speaker 1: you know I love me a baby or don't or don't. 918 00:41:38,320 --> 00:41:39,720 Speaker 1: I'm just saying, if you done. 919 00:41:39,600 --> 00:41:43,120 Speaker 2: That home so you can enjoy take her from my mama, 920 00:41:43,200 --> 00:41:46,160 Speaker 2: who guys recently unlocked the magic of doing things by 921 00:41:46,239 --> 00:41:46,880 Speaker 2: her damnself. 922 00:41:47,360 --> 00:41:49,040 Speaker 1: But I'm just saying, if you wanted to, I wouldn't 923 00:41:49,040 --> 00:41:50,320 Speaker 1: be a pot because I know some women don't have 924 00:41:50,400 --> 00:41:52,160 Speaker 1: the option, and I don't want that to be the reason. 925 00:41:52,239 --> 00:41:53,600 Speaker 1: But yeah, so I just share all that to say that, 926 00:41:53,760 --> 00:41:56,200 Speaker 1: like my big brown boost is that there is a 927 00:41:56,280 --> 00:42:00,560 Speaker 1: shift happening, which I love overall, where people are like saying, 928 00:42:01,239 --> 00:42:03,839 Speaker 1: I'm not willing to work myself to the bone. There 929 00:42:03,880 --> 00:42:06,560 Speaker 1: has to be a better way, and people are actively 930 00:42:06,600 --> 00:42:08,520 Speaker 1: seeking that better way and it really makes me happy. 931 00:42:08,680 --> 00:42:16,239 Speaker 2: So are we quite quitting our businesses? That's awesome? Oh, 932 00:42:16,520 --> 00:42:18,600 Speaker 2: warm and fuzzies. I can't wait for your wealth walks. 933 00:42:18,600 --> 00:42:20,479 Speaker 2: And if you go to Atlanta, I'm just a girl. 934 00:42:20,640 --> 00:42:23,560 Speaker 2: You better it's going to be a mob. It's going 935 00:42:23,640 --> 00:42:28,200 Speaker 2: to be people are gonna be like, what's happening. There's 936 00:42:28,280 --> 00:42:30,960 Speaker 2: five hundred women work like on a grass, you know, 937 00:42:31,120 --> 00:42:32,400 Speaker 2: with peanut butter and jelly. 938 00:42:34,360 --> 00:42:37,320 Speaker 1: I know I'm going to see like I am the matrix. 939 00:42:39,040 --> 00:42:39,200 Speaker 3: I know. 940 00:42:39,239 --> 00:42:40,600 Speaker 1: I'm like, wait, I'm like, do I have to get 941 00:42:40,600 --> 00:42:42,680 Speaker 1: a like a I don't think so right to go 942 00:42:42,760 --> 00:42:44,560 Speaker 1: for a walk? I'm like, do I have to get 943 00:42:44,600 --> 00:42:45,640 Speaker 1: like we you know, one of those things? What those 944 00:42:45,640 --> 00:42:47,360 Speaker 1: things are like? You have to get like permission? I 945 00:42:47,400 --> 00:42:51,160 Speaker 1: don't even know, but yeah, close right, if you plan. 946 00:42:52,000 --> 00:42:53,680 Speaker 2: I've heard such good thing. I want to go in 947 00:42:53,800 --> 00:42:56,400 Speaker 2: like a nature walk in Idaho or like Montana. Do 948 00:42:56,480 --> 00:42:59,080 Speaker 2: you ever do something like that like a retreat? Please 949 00:42:59,160 --> 00:43:02,360 Speaker 2: invite me because it's like that, Yeah, I want to 950 00:43:02,400 --> 00:43:04,080 Speaker 2: get away in the mountains and just like. 951 00:43:04,200 --> 00:43:06,160 Speaker 1: Yes, I would love that, cause honestly, they do that. 952 00:43:06,400 --> 00:43:08,279 Speaker 1: Girl Trek does that and they go to Colorado and 953 00:43:08,320 --> 00:43:11,200 Speaker 1: it's so epic and amazing. Yeah, I can see the 954 00:43:11,239 --> 00:43:14,000 Speaker 1: Wealth Walk growing to something like that where it's like, Okay, 955 00:43:14,600 --> 00:43:17,319 Speaker 1: now it's actually just a retreat someplace beautiful, and yes 956 00:43:17,400 --> 00:43:18,960 Speaker 1: we talk about money, but we really just to get 957 00:43:19,000 --> 00:43:21,480 Speaker 1: to WUSA and just hang out with each other. I 958 00:43:21,480 --> 00:43:23,000 Speaker 1: could see it growing to see that I would do 959 00:43:23,480 --> 00:43:25,640 Speaker 1: like a conference where it's like I'm on the stage 960 00:43:25,680 --> 00:43:27,719 Speaker 1: and all my stage people are here. I don't want that, 961 00:43:27,840 --> 00:43:29,440 Speaker 1: but like a retreat where we get to just hang 962 00:43:29,520 --> 00:43:32,759 Speaker 1: out and just be like HUSA and share how we're 963 00:43:32,800 --> 00:43:35,080 Speaker 1: scared about our budget or how we don't know how 964 00:43:35,080 --> 00:43:37,120 Speaker 1: to invest in all those types of things. And certainly 965 00:43:37,160 --> 00:43:39,560 Speaker 1: they're talks and chats about that, but it's more more 966 00:43:39,640 --> 00:43:43,040 Speaker 1: so to just like reconnect and reset so you can 967 00:43:43,120 --> 00:43:45,480 Speaker 1: make the decisions you need to make about your overall 968 00:43:45,520 --> 00:43:48,280 Speaker 1: financial holeness. Like I can see myself doing a retreat, 969 00:43:48,560 --> 00:43:51,080 Speaker 1: you know, over a conference. So so yeah, but we'll see. 970 00:43:51,120 --> 00:43:52,480 Speaker 1: For now it's just Wealth Walk. So we're like let's 971 00:43:52,520 --> 00:43:54,040 Speaker 1: not get ahead of ourselves. We just gonna do some 972 00:43:54,200 --> 00:43:55,839 Speaker 1: free wealth walks in the park. 973 00:43:55,960 --> 00:43:58,920 Speaker 2: It's certainly from a place of authenticity is always the key, right, 974 00:43:59,040 --> 00:44:02,160 Speaker 2: So what fits you authentically and fits your spirit and 975 00:44:02,239 --> 00:44:04,560 Speaker 2: that just that just leads to and the business the 976 00:44:04,840 --> 00:44:07,680 Speaker 2: profits come. You know what I mean. That's what I'm 977 00:44:07,760 --> 00:44:10,279 Speaker 2: learning by watching you and by watching others as well, 978 00:44:10,320 --> 00:44:12,600 Speaker 2: and that's what I hope to hope to emulate. 979 00:44:14,160 --> 00:44:17,920 Speaker 1: Thanks Man's Run, Thank you to all right, y'all, it's 980 00:44:17,960 --> 00:44:18,600 Speaker 1: a good show. 981 00:44:19,880 --> 00:44:21,160 Speaker 2: You ready to get grilled? 982 00:44:22,560 --> 00:44:24,920 Speaker 1: Yeah, So if you have, if you're not listening to 983 00:44:25,000 --> 00:44:27,960 Speaker 1: b a q A Hello and two days, you know, 984 00:44:28,000 --> 00:44:30,440 Speaker 1: if you're listening to this on Wednesday, ba Qua lands 985 00:44:30,560 --> 00:44:34,600 Speaker 1: every Friday right wherever you're listening to this, come on over, 986 00:44:35,080 --> 00:44:38,600 Speaker 1: Come on over baby. So me and Mandy have been 987 00:44:38,640 --> 00:44:41,200 Speaker 1: doing this thing where last time I grilled Mandy about 988 00:44:41,239 --> 00:44:43,600 Speaker 1: all things negotiating. And I feel really good about it 989 00:44:43,640 --> 00:44:46,440 Speaker 1: because I've been able to use like I bought your negotiating. 990 00:44:46,440 --> 00:44:48,280 Speaker 1: I don't know if you saw my little purchase behind. 991 00:44:48,080 --> 00:44:50,480 Speaker 2: The things I bought, there were so many I might 992 00:44:50,600 --> 00:44:57,399 Speaker 2: have noted. Is Mandy scripts mandymoneyscripts dot com right. 993 00:44:57,360 --> 00:44:59,640 Speaker 1: So I bought it. And then but honestly, the information 994 00:44:59,680 --> 00:45:02,400 Speaker 1: that Mandy gave me last time, literally I took notes, 995 00:45:02,640 --> 00:45:04,560 Speaker 1: and I've had to have some really hard conversations this 996 00:45:04,600 --> 00:45:06,880 Speaker 1: past week. And when I tell you, helped tremendously. I 997 00:45:06,960 --> 00:45:08,640 Speaker 1: just felt really good about it. I'm like, I did it. 998 00:45:08,920 --> 00:45:12,600 Speaker 1: I did it, and I increased my rates right away, 999 00:45:12,960 --> 00:45:14,480 Speaker 1: so you'd be proud of me. I did my homework 1000 00:45:14,520 --> 00:45:16,480 Speaker 1: that you gave me. My rates are been double for 1001 00:45:16,560 --> 00:45:19,120 Speaker 1: speaking I sent them out. That was genius that you 1002 00:45:19,160 --> 00:45:21,160 Speaker 1: told me to send them out a prior. I you know, 1003 00:45:21,239 --> 00:45:23,759 Speaker 1: I had my my agents send out my new rates 1004 00:45:23,920 --> 00:45:25,719 Speaker 1: since people are gonna be working on their finances now 1005 00:45:26,640 --> 00:45:30,400 Speaker 1: and for next year, and I'm ready to have the 1006 00:45:30,480 --> 00:45:32,960 Speaker 1: tough conversations which I've been having already, and so it 1007 00:45:33,120 --> 00:45:35,320 Speaker 1: was just it was just a great baqa. If you 1008 00:45:35,320 --> 00:45:36,880 Speaker 1: didn't listen to it last week, you should listen to it, 1009 00:45:36,880 --> 00:45:39,200 Speaker 1: because man, hey gave me some really great advice about negotiating, 1010 00:45:39,560 --> 00:45:42,480 Speaker 1: you know, beyond just like at your career, but even 1011 00:45:42,600 --> 00:45:44,960 Speaker 1: just like me as a business woman. And so this week, 1012 00:45:45,080 --> 00:45:46,600 Speaker 1: man I'm in the hot seat. Man is gonna be 1013 00:45:46,600 --> 00:45:48,759 Speaker 1: asking me a ton of questions, and then maybe the 1014 00:45:48,800 --> 00:45:50,880 Speaker 1: week after that, we want to get you guys to 1015 00:45:50,960 --> 00:45:52,279 Speaker 1: put us in the hot seat. You could come on 1016 00:45:52,360 --> 00:45:54,760 Speaker 1: here live with us and ask us questions about business, 1017 00:45:54,840 --> 00:45:58,120 Speaker 1: career and personal finances. So see y'all in a couple 1018 00:45:58,160 --> 00:46:00,800 Speaker 1: of days. If you're listening to this on Wednesday, see. 1019 00:46:00,680 --> 00:46:05,719 Speaker 2: Y'all at the BAQA. Bye bye, Hey ba fan. We 1020 00:46:05,800 --> 00:46:08,120 Speaker 2: could not do this show without your support or the 1021 00:46:08,200 --> 00:46:11,200 Speaker 2: support of our team behind the scenes. The Brown Emission 1022 00:46:11,280 --> 00:46:15,000 Speaker 2: podcast is produced by Cumulus Podcast Network. It's edited by 1023 00:46:15,080 --> 00:46:19,280 Speaker 2: the wonderful Imani Crosby and produced by Tanya Bustos. Dennis 1024 00:46:19,280 --> 00:46:22,360 Speaker 2: Stimplinsky is our in house tech guru, and I am 1025 00:46:22,440 --> 00:46:25,439 Speaker 2: Bandy Woodard Santos, your co host, and I will see 1026 00:46:25,520 --> 00:46:26,399 Speaker 2: y'all next week.