Speaker 1: Hey, hey, hey, we're bad. We are black. We are ambition, ambition, ambition. Hey, mandra,
Speaker 1: how are you?
Speaker 2: I'm self conscious about you now because I mean.
Speaker 1: Did you see that that that tweet when that someone
Speaker 1: was like I love what tificy starts wrapping the.
Speaker 2: B a qua our Friday b A Yeah, I was like,
Speaker 2: for real, I know, I look forward to it as well. Yeah,
Speaker 2: today I let you shine. I also feel self conscious
Speaker 2: about singing now because I'm so used to to Rio
Speaker 2: like yelling at me now. I don't know why that
Speaker 2: he's such a hater, but I can't. Let me try
Speaker 2: to sing. Let me try to, like say and imitate
Speaker 2: one of his favorite characters. It is a no mama,
Speaker 2: no stop mama. Sometimes he slaps me in the face,
Speaker 2: which I feel like is really special. Yeah, but no,
Speaker 2: you do a good job TOI never had to pay
Speaker 2: a cent for our music. I will live be free.
Speaker 1: What's new with you?
Speaker 2: How are things?
Speaker 1: Things are thanging? See something?
Speaker 2: I think that's the title of the podcast.
Speaker 1: Yeah, thanks banging well. Actually, so, a friend of mine
Speaker 1: actually reached out to me like a week or so ago,
Speaker 1: and she was just sharing like her her grandmother sold
Speaker 1: like their family home that she had inherited from her
Speaker 1: grandmother for a dollar and so so one which I
Speaker 1: thought one thing that I was like, oh, these banks
Speaker 1: are terrible. So one when when she looked into it,
Speaker 1: it turns out that she was paying an interest only mortgage.
Speaker 1: I guess at one point she had taken money out
Speaker 1: the multi family house, had taken money out to renovate whatever,
Speaker 1: and they had her just paying interests only for years,
Speaker 1: literally tens of thousands gone, you know. So but thankfully,
Speaker 1: the smart thing that she was able to do was
Speaker 1: hold out because right now it's really hot in Jersey
Speaker 1: right now for purchasing homes. So they were able to
Speaker 1: sell the property for a significant amount of money, over
Speaker 1: a million dollars. So they were able to pay off
Speaker 1: the mortgage that the you know, the whatever loan they
Speaker 1: had taken out against the house. And she's left with
Speaker 1: basically a million dollars that's just sitting in a big
Speaker 1: bank savings account. And so my friend is kind of
Speaker 1: freaked out and it's like, what are we supposed to do?
Speaker 2: And she had inherited that for a dollar?
Speaker 1: Yeah, what is that?
Speaker 2: How long has it been?
Speaker 1: I mean, the grandmother is in her seventies, her mid seventies,
Speaker 1: and so you assume, you know, maybe fifty years ago,
Speaker 1: you know, maybe because I'm assuming maybe she inherited from
Speaker 1: her grandmother when she was in her twenties or thirties,
Speaker 1: you know, and so it's been in their family for
Speaker 1: a long time. And so and I just said, well,
Speaker 1: she said, did we do the right thing by selling it?
Speaker 1: And I said, well, here's the thing we possibly could
Speaker 1: have done, is that you could have what is it
Speaker 1: called when you take money out of the house, not
Speaker 1: a home neckway line of c but a refy refinance
Speaker 1: and cash.
Speaker 2: Cash out refight mm hmmm, cash out REFI yeah.
Speaker 1: Yeah, So you know, so that could that was a possibility,
Speaker 1: you know, if you wanted to keep the house, and
Speaker 1: then you could take that money and then do other
Speaker 1: things with it. Maybe purchase another because that property was
Speaker 1: a multi family house, maybe purchase another property, you know,
Speaker 1: and you know you could have done that, but you
Speaker 1: know it's here now you sold the house. There's like
Speaker 1: a million dollars floating. Granny's in her seventies. And my
Speaker 1: friend was like, you know, everybody has obviously something to say,
Speaker 1: including the big bank where the money is of course,
Speaker 1: they're trying to get her to invest it with them
Speaker 1: so they can slowly drip away all her money because
Speaker 1: you know how that goes. Thankfully, Granny has all her
Speaker 1: her faculties in her and it's like no, so she
Speaker 1: doesn't know what to do. It's been like it's been
Speaker 1: a few months now, so it's just sitting in that
Speaker 1: savings account. My friend has been trying to, like, you know,
Speaker 1: help her, but she has every everybody in the family
Speaker 1: has something to say, and so Granny basically like, none
Speaker 1: of y'all rich, So how are you gonna tell me
Speaker 1: you do my money?
Speaker 2: That's fun thing. I was my friend that the budget
Speaker 2: needs to go, so.
Speaker 1: I'm actually gonna be meet up with her this week.
Speaker 1: She actually doesn't live far for me, which I was like,
Speaker 1: oh that's great, So I'm gonna meet up with her
Speaker 1: this week. I told my friend, at the very least
Speaker 1: to start with this is to you know, like to
Speaker 1: move the money to a high yield. You know, it's
Speaker 1: high yield the savings account that you can get. So
Speaker 1: at the very are we going to offset inflation now?
Speaker 1: But it's better than the zero points, the zero one
Speaker 1: percent that her big bank is getting her. You know,
Speaker 1: maybe you get two two and a half percent better
Speaker 1: than nothing. I said, if nothing else, I think you
Speaker 1: should be able to convince her to do that. And
Speaker 1: then but when I told him, I told my friend,
Speaker 1: I said, you know, I told her that, like, here's
Speaker 1: the thing, your your grandmother is not wrong like y'all
Speaker 1: want her to make all these fast moves. She actually
Speaker 1: is really smart, and that I'm not making any move
Speaker 1: until I decide, like what exactly that I'm doing. I said,
Speaker 1: she's actually right, that she's moving very slowly with this.
Speaker 1: And so next up, I told them that you should
Speaker 1: start to think about the team you're going to build.
Speaker 1: There should be some sort of financial team, because there
Speaker 1: are tax ramifications for this money. And so she actually,
Speaker 1: Granny's gonna be using Carlos. You know, Carlos are faved,
Speaker 1: so Carlos doose taxes for me and Mandy in our business.
Speaker 1: And so she's gonna be using Carlos, which is great,
Speaker 1: you know, I said, okay, because I trust Carlos implicitly. Second,
Speaker 1: I said, you know, because Grandy's in her seventies, you
Speaker 1: should also be thinking about estate planning, you know, And
Speaker 1: so God Willings shall be here another twenty years, but
Speaker 1: we don't know. So estate planning will help to figure out, well,
Speaker 1: what happens when I'm not here with this money. So
Speaker 1: I suggested my attorney, Tony Moore, who's amazing, you know,
Speaker 1: you know, Tony's my fave and so and then I said, third,
Speaker 1: and probably most important, a certified financial planner. And I
Speaker 1: explained the difference between a financial advisor, which is basically,
Speaker 1: anybody can be a financial advisor, but with a certified
Speaker 1: financial planner, you know, you have to pass pass a
Speaker 1: certain test, you have to be you work a certain
Speaker 1: number of years, you have to be a fiduciary. And
Speaker 1: so it's just a high tier of a financial advisor
Speaker 1: that you can get. And I suggested, because Granny does
Speaker 1: have some money, that you don't get a one that
Speaker 1: gets paid by percentage invested, that instead, it's a fee
Speaker 1: based one where you're just going to pay a fee,
Speaker 1: you know. And so he was like, okay, I said,
Speaker 1: so those are the three people on the team, and
Speaker 1: I said, you know, and so the two of them
Speaker 1: are good to go. The financial planner one is a
Speaker 1: little harder, so, you know, I use Angelie. She has
Speaker 1: a company called fit advisors, but Anjalie, as far as
Speaker 1: I know right now, is not. I emailed her, but
Speaker 1: as far as I know, she's not taking on new clients.
Speaker 1: But I did email her to ask if she can
Speaker 1: give a referral, you know. So that's one of the
Speaker 1: best ways if you're looking for a financial planner to like,
Speaker 1: you know, ask people who have financial planners, you know,
Speaker 1: how they like them and everything else. Like I interviewed Helen,
Speaker 1: so I had I interviewed like twenty financial planners when
Speaker 1: I was looking. So Helen was the one that came
Speaker 1: from Maddy. I know, I was really I was crazy,
Speaker 1: but like, but the top ones I came up with
Speaker 1: was Helen, your financial planner. Helen was excellent. I loved her.
Speaker 1: A Jalie And there was another woman named Amy, something
Speaker 1: around Amy Irving or something like that. So I didn't
Speaker 1: choose Amy because Amy only did individuals, but meaning like
Speaker 1: I needed somebody who also worked with people who had businesses, yeah,
Speaker 1: you know, And so Amy was like, oh, she's great,
Speaker 1: but she wasn't a fit for that. I was like, okay,
Speaker 1: out of the twenty I loved her, she wasn't a fit.
Speaker 1: But then then so between Helen and Angelie, and of
Speaker 1: course they know each other because honestly, the top people
Speaker 1: in the field always know each other, and they both
Speaker 1: like they're both awesome. I ended up choosing angel because
Speaker 1: there was something, oh you know what, because Angelie was
Speaker 1: not only a CFP as Certified Financial Planner, she was
Speaker 1: a CPA. She's a certified Public accountant as well. And
Speaker 1: I was yes, because we were going through and I'm
Speaker 1: still paying taxes from twenty eighteen because mistakes I made,
Speaker 1: so I needed help with her working on alongside my
Speaker 1: my accountant that I use, but also like looking at
Speaker 1: my finances, like my business finances and my personal finances
Speaker 1: and the tax stuff. So that is why I chose
Speaker 1: to lead, because I needed that text thing. So anyway,
Speaker 1: I say all that to say that like that's the
Speaker 1: team and so hopefully you know with that team because
Speaker 1: even with my friend, I didn't want to tell this
Speaker 1: to my friend, but I want to be like, girl,
Speaker 1: Granny is not wrong, becausis what do you like? This
Speaker 1: is not what you do. This is not what I
Speaker 1: even do. And I told because she wanted me to
Speaker 1: be the financial If I'm like, well that's not I'm
Speaker 1: not certified in that, you know, and your granny is
Speaker 1: right because you look, you're coming to me thinking that
Speaker 1: I can do a thing that I'm not capable of doing,
Speaker 1: you know, and I'm not. I'm not. I don't have
Speaker 1: the license to do. And so like, Granny's actually right,
Speaker 1: and hopefully with these three people on the team, they
Speaker 1: can help Granny choose what she wants to do. Because
Speaker 1: I'm not gonna lie. I don't think my friend listens
Speaker 1: to the Black Ghost sis. If you do, I'm sorry, girl,
Speaker 1: but not sorry. I'm not gonna lie. A lot of
Speaker 1: the choices that it south that the family is making
Speaker 1: is about like what's going to be best for all
Speaker 1: of us, which that's I understand, you know, and I'm
Speaker 1: not there's something wrong with that. But honestly, this is
Speaker 1: Granny's money, yeah, and she has to be prioritized above
Speaker 1: all else. So we have to make sure that Granny
Speaker 1: has a place to live, that she feels safe, that
Speaker 1: she never has to work again, that she's fine because
Speaker 1: she was getting she had the house was like a
Speaker 1: three or four family house, so she you know, she
Speaker 1: was getting income from that and living off of that,
Speaker 1: you know, as well as paying off the you know,
Speaker 1: the reverse mortgage they have tricked her into. And so
Speaker 1: that to me, when I talk with Granny is going
Speaker 1: to be my focus to say, here's my suggestion, which
Speaker 1: is here are the three people that are going to
Speaker 1: help you decide how best to get to what you
Speaker 1: want to happen. Now, if that's the least stuff for
Speaker 1: your grandkids or whatever, great, but if it's not, that's
Speaker 1: your business, you know. And so yeah, so it's just
Speaker 1: interesting that, like, you know, I was like, oh my gosh,
Speaker 1: it's I felt like real life brown ambision, you know, like, yeah,
Speaker 1: I do.
Speaker 2: Yeah, I love that. It's kind of like what happens.
Speaker 2: I mean, like, let's say I broke my foot and
Speaker 2: you know, a very particular kind of like bad injury.
Speaker 2: I would go to a general practitioner. Like that's the
Speaker 2: point when you want to find someone who is an
Speaker 2: expert in broken feet, Like what is that a doctor
Speaker 2: or podiatrist? I don't know, yeah, podiatiss But yeah, I
Speaker 2: mean you would be interviewing trying to find the best
Speaker 2: specialist because that is a serious, it's a big issue
Speaker 2: and you need a specific you need a specific, specific
Speaker 2: kind of expertise, and it's different than finding people who
Speaker 2: know a little bit about stuff, like maybe your general
Speaker 2: practitioner can refer you just like you did, Like you're
Speaker 2: kind of like a general practitioner here. You're referring her
Speaker 2: to the specialists who who live and breed this, who
Speaker 2: all they do is foot surgery day in and day out.
Speaker 2: That's who you want like operating on your foot.
Speaker 1: Right.
Speaker 2: So it sounds like, I mean, regardless, sounds like she's
Speaker 2: in great hands that you'll get to sit with her.
Speaker 2: But I mean I almost was thinking about one point
Speaker 2: two million dollars sitting in a savings account. It's it's
Speaker 2: like way over that two hundred and fifty thousand dollars
Speaker 2: limit for coverage under FDIC insurance. So that's the point
Speaker 2: where you definitely want to, you know, if spread it,
Speaker 2: spread it among several bank accounts, unless you have a
Speaker 2: spouse and then you get like double the coverage, the
Speaker 2: double the coverage. But that was my first thought, like, Okay,
Speaker 2: we need to like spread this out.
Speaker 1: Some of this is that Granny's gonna be like, what
Speaker 1: all these accounts? So I'm gonna see when I be
Speaker 1: with her how she Because I said, like, you know,
Speaker 1: we're gonna start with this. And if I explain it
Speaker 1: to her and she because she's sound, she's sharp. So
Speaker 1: if I explain it to her that like, this is
Speaker 1: what you should do at bare minimum for now, but
Speaker 1: ideally you should do this, and she's like ooh, says
Speaker 1: say less, then you know we're gonna work on that.
Speaker 1: But if she's like, I'm not doing all that, baby,
Speaker 1: then I'm gonna be like, what at the very least,
Speaker 1: you know, put it here. Butever, I was, honestly I
Speaker 1: was thinking about that, like, oh, like it really should
Speaker 1: be like broken up. It's a pieces, but I don't
Speaker 1: know how open she's.
Speaker 2: She can handle it?
Speaker 1: Yeah, right? And is it does?
Speaker 2: Is it separate accounts? I'm trying to think what all
Speaker 2: the particular requirements are. Is it up to each account
Speaker 2: at each institution or can you have multiple accounts and
Speaker 2: each account gets that same coverage the FDA C You know.
Speaker 1: That's that's a good question. I'm gonna look that in up.
Speaker 2: I used to know that like the back of my
Speaker 2: hand when that's what I did every day when I
Speaker 2: was at a content director for a financial brand, Like
Speaker 2: we would write those really nuanced like the only there'
Speaker 2: shit that people want to google. And so I used
Speaker 2: to know that, but I.
Speaker 1: Don't know here it is. I'm on FDIC dot gov.
Speaker 1: So the standard assured the standard insurance amount is two
Speaker 1: hundred and fifty thousand dollars per depositor, per insured bank,
Speaker 1: per each account. Yeah, for each account ownership category. Okay.
Speaker 1: The FDIC provides separate covers for deposits holls in different accounts. Oh,
Speaker 1: different account ownership count So it might be that it
Speaker 1: could be a checking and a saving. That's what it's
Speaker 1: sounding like. And a's CD yeah, yes, yeah, oh see, Okay,
Speaker 1: here it is again. So from the FDI c as well,
Speaker 1: the FDIC adds up all single accounts owned by the
Speaker 1: same person at the same bank and insures the total
Speaker 1: up to two fifty. So the FDI is like, you
Speaker 1: can have six Sames accounts, but you tried it. That's
Speaker 1: not how that goes if you're going to have to
Speaker 1: have six different things.
Speaker 2: So we all know, mo money more problems, granny, yes, but.
Speaker 1: Yeah, So I mean, here's what I'm happy about. That
Speaker 1: Grant is not gonna have to work anymore and they
Speaker 1: should just all breathe this.
Speaker 2: That's the key. And one point two million is is
Speaker 2: a lot of money. But when you have another twenty
Speaker 2: something years and I know Granny takes care of herself
Speaker 2: and I'm sure she does her walks and she's very healthy,
Speaker 2: you need like that's that's just enough. I feel like
Speaker 2: if you do it right, yep, but if you do
Speaker 2: it wrong, that can disappear. Like it makes me think
Speaker 2: of then that documentary that you know, your documentary that
Speaker 2: you were filmed, then get smart with money streaming on
Speaker 2: Netflix now the top forty of all Netflix New movies anyway.
Speaker 2: That Ross Mack his makeover person, well I forget his name,
Speaker 2: but he was a football player, Tease. His name is Tease,
Speaker 2: the football player who like got those you know, million
Speaker 2: dollar contracts in the NFL and then just was like,
Speaker 2: oh dang, A couple of chains, a couple houses later
Speaker 2: and he had like barely anything left, you know. So yeah,
Speaker 2: that's what we don't want for Granny.
Speaker 1: Because I was thinking I was thinking that too. I
Speaker 1: was like, I don't know that there's gonna be a
Speaker 1: lot left over for you if that's what you're wanting.
Speaker 1: I just like, you know, a million doesn't do what
Speaker 1: it used to do.
Speaker 2: Yeah, they need to have to just take a lesson
Speaker 2: from Granny and you know, maybe invest in some real
Speaker 2: estate and hold on to it for fifty years.
Speaker 1: I know. Granny's like, I don't know about y'all, but
Speaker 1: we I'm gonna be I I said, I can't wait
Speaker 1: to meet here and I'll give you like an update.
Speaker 1: I have a feeling that she's sassy because she sounds
Speaker 1: like he's sassy. You know. I feel like old black
Speaker 1: women get to that point where they're like, I say
Speaker 1: what I want. I love the fact she's saved y'all.
Speaker 1: Y'all know so much about money, Why y'all ain't rich?
Speaker 1: I was like, she's my kind of lady.
Speaker 2: I bet they're still going to get those birthday cards
Speaker 2: that have like a single five dollar bill in it.
Speaker 2: Be like, damn it, Granny, how do you think she
Speaker 2: became a millionaire exactly? You know? Yeah, speaking of which,
Speaker 2: I have a two thousand dollars savings bond that my
Speaker 2: grandma gave to me still waiting for me somewhere in
Speaker 2: Georgia that I need to claim. It came up in
Speaker 2: like one of the you know, like those you can
Speaker 2: go to unclaimed property websites, and I found out my
Speaker 2: uncle had done that for her estate, like she's been
Speaker 2: passed now for over ten years, and he's like, Mandy,
Speaker 2: are you gonna come get this, And I'm like, ah, yeah,
Speaker 2: I need to do that.
Speaker 1: Yeah, those things are that's a great We have to
Speaker 1: we have to find a link for that, because I
Speaker 1: found I was old. I got the first check for
Speaker 1: like one hundred and eighty and then apparently when I
Speaker 1: lost my house to the foreclosure, there was a there
Speaker 1: was a balance between what I paid and what the
Speaker 1: house was so or something to that effect, and it
Speaker 1: was like nine hundred dollars, and so I have to
Speaker 1: get the check for that. I found. I couldn't believe.
Speaker 1: And here's the thing. I had checked that unclaimed whatever.
Speaker 1: I can't remember the name of the website. I had
Speaker 1: checked it some years back. That wasn't on there. So
Speaker 1: I guess years later there finally was some sort of
Speaker 1: reconciliation and I'm old, like, nine hundred dollars from Chase Bank,
Speaker 1: you owe me. Matter of fact, I go speak for
Speaker 1: them Detroit next week. I said to be like, can
Speaker 1: I just get home put that on top of the money.
Speaker 2: Yeah, oh man, that's great. Yeah, we're gonna put that
Speaker 2: in the show link. We'll find the right link. It's
Speaker 2: something like Unclaimed Funds dot go or something something like that.
Speaker 2: But that's a good reminder that there may be money
Speaker 2: out there for you guys. All right, Well in Mandy
Speaker 2: money Land, I am very very excited and Tiff, like,
Speaker 2: you're going to be in the hot seat on this
Speaker 2: week's B a Q and A episode, y'all. Last week,
Speaker 2: Tif got to pepper me with her questions about negotiating
Speaker 2: her rates. This week, as a baby business owner, I
Speaker 2: get to ask tiffany lots and lots of questions too.
Speaker 2: But I had offline tip Tiff, and I already I'm
Speaker 2: already like peppering her with those types of questions. So
Speaker 2: Tiff helped me with my epiphany about this webinar that
Speaker 2: I wanted to hold because I had been thinking of
Speaker 2: I've been doing and I've done three webinars so far,
Speaker 2: and I always want to like pack a lot of
Speaker 2: value into them, but I feel like I'm just like
Speaker 2: covering so much and the themes are very broad. So Tiff,
Speaker 2: I know we were talking and you helped me just
Speaker 2: focus in and talk about negotiating. So and then one
Speaker 2: SiZ start to just focus my teaching and my methods
Speaker 2: just on salary negotiation. I got so excited and that
Speaker 2: free free masterclass nailed and nail your negotiation. It's going
Speaker 2: to be next Tuesday, September twenty seven at eight pm Eastern.
Speaker 2: Seating is limited. I just announced it last night, so
Speaker 2: this was Sunday night. We're recording on Monday, and already
Speaker 2: over two hundred people have signed up. There's only going
Speaker 2: to be five hundred live seats, y'all. And my goal
Speaker 2: is to get fifteen hundred registered because not everybody is gonna,
Speaker 2: you know, show up, because we know how y'all be anyway.
Speaker 2: So I already see just based on the fact that
Speaker 2: already two hundred have registered, and that's just for me
Speaker 2: emailing my list and posting a little bit on my stories,
Speaker 2: like I'm like, okay, tif Noel the thing or two
Speaker 2: tif No' is the project about specificity just a little
Speaker 2: fifteen years in the game.
Speaker 1: Now, now here's a question what if I was going
Speaker 1: to register? Where do I where do I go to
Speaker 1: register with?
Speaker 2: You're gonna love this?
Speaker 1: You see what I'm doing to you. I'm not talking
Speaker 1: man to get that damn domain.
Speaker 2: Man, get that domain, you can go to nail your
Speaker 2: negotiation dot com see you.
Speaker 1: For ten dollars. You make it easy for people to
Speaker 1: find it.
Speaker 2: Now.
Speaker 1: It's a negotiation with the S.
Speaker 2: Or no S. Nail your negotiation. Don't do the said
Speaker 2: an S at the end of Kroger's. There's no S
Speaker 2: on the end of Kroger, y'all, So just nail your negotiation.
Speaker 1: Of course, the link will be in the show notes
Speaker 1: description in case you don't notice my negotiation, which is fine.
Speaker 2: It was just fine, yes, But if you don't, you
Speaker 2: got bigger problems and what my webinar can call. But
Speaker 2: it is and I've yeah, I'm so damn excited. It's
Speaker 2: a five step method to feel more confident, get the
Speaker 2: money that you deserve, and never leave money on the
Speaker 2: table when you're negotiating. Again, it's a strategy that I
Speaker 2: have used my whole career to ten x my income
Speaker 2: from three hundred from thirty K to three hundred K.
Speaker 2: And it's also the methods that I have been teaching
Speaker 2: over a year now to the clients that I work
Speaker 2: with through my coaching services. So I've never ever done
Speaker 2: a negotiation. Only webinar and if you're there live, I'm
Speaker 2: actually going to give you a free guide that's brand new.
Speaker 2: It's a free guide to calculate your target salary, which
Speaker 2: is a very common question that I get. Yeah, and
Speaker 2: I'm like, let me just put together here's how I
Speaker 2: thought about it mathematically through my career. How do you
Speaker 2: actually target your salary when you see what the market
Speaker 2: rates are and you know what you're making, and then
Speaker 2: how do you kind of go in there knowing the
Speaker 2: number that you have. So if you come live and
Speaker 2: again seats are limited, nail yournegotiation dot com to get
Speaker 2: your seats. If you come live, you will get that freebie.
Speaker 2: So I hope to see you guys there. I'm so excited.
Speaker 1: Yeah, And honestly, here's here's here's the BIS. Like if
Speaker 1: we do this is what I do for when I
Speaker 1: talk to about mentees, right, so like this is the
Speaker 1: I call it. Like I'm sharing, like pulling back the
Speaker 1: curtain of the back end of this. Like, so, what
Speaker 1: the thing Minnie and I talked about is she was
Speaker 1: like she was over delivering in her webinar and she
Speaker 1: was like, well, if I do all of that, you know,
Speaker 1: then what will I teach? Like you know, with the
Speaker 1: like my mentees, her mentees, her Mandy money makers, and
Speaker 1: we just talked about that, like the key to a
Speaker 1: really great like free class is one to make sure
Speaker 1: that you teach something to its completion, because there is
Speaker 1: this weird thing that people do where let's just say,
Speaker 1: you're like, I'm going to have a credit webinar, Like
Speaker 1: I have a credit webinar, right, I'm gonna have a
Speaker 1: credit webinar, but I'm only gonna there's five five ways
Speaker 1: to raise your credit score. I'm only teaching it too.
Speaker 1: It's like, that doesn't I don't like I call that
Speaker 1: a gotcha, gotcha and I don't like that, you know.
Speaker 1: So instead I was like, I'm gonna teach you if
Speaker 1: I in my credit webinar, I'm gonna teach you everything
Speaker 1: I know about credit. And then but I also know
Speaker 1: I have an online school where we teach credit and
Speaker 1: debt and budgeting and saving, and so it's like, even
Speaker 1: though you're getting all things credit, it doesn't mean that
Speaker 1: I'm devaluing what people who are paying for the school
Speaker 1: are getting, you know, because to me, the purpose of
Speaker 1: the webinar, of a really good webinar is someone should
Speaker 1: be able to walk away fully feeling like I learned
Speaker 1: the complete lesson. If I do buy something else from
Speaker 1: you later, not like well why should I pay for
Speaker 1: this because it was free over here? You know that
Speaker 1: the complete lesson is part of a greater whole. So
Speaker 1: for those of you in businesses and you have like
Speaker 1: a service, and your service in some way is to
Speaker 1: educate the masses, just keep that in mind that it
Speaker 1: is okay to fully give something away as long as
Speaker 1: part of a greater hole. Like you know, you give
Speaker 1: away all the apples because you know you have like
Speaker 1: seven other different types of fruit. And what it lets
Speaker 1: people know is if this apple is so good, I
Speaker 1: for sure want to shop at your market because I
Speaker 1: need bananas, I need pears and need so I just like,
Speaker 1: you know, like that was just something that like I've
Speaker 1: learned over so many years of like I've been doing
Speaker 1: webinars now for like ten years, and you know, you
Speaker 1: learn that lesson of like I used to teach every
Speaker 1: single lesson. I was like, wait, if I give all
Speaker 1: this way for free, what they're gonna do with the
Speaker 1: academy and then how much do I do when it
Speaker 1: comes to credit? I just I love when someone takes
Speaker 1: a webinar of mine and says, I literally raise my
Speaker 1: credit score because of it. And sometimes people will take
Speaker 1: a webinar and never buy anything from me, you know,
Speaker 1: they never assigned for academy, they never buy a book.
Speaker 1: And that's okay because if your if your desired outcome
Speaker 1: is to reach into teach, then do that. Some people
Speaker 1: will additionally get other things, not everyone, but I'm okay
Speaker 1: with that because my you know, my desired outcome is
Speaker 1: to reach into teach. So just keep that in mind.
Speaker 1: For those of you who have businesses, would that makes
Speaker 1: sense for him take that little GM. So I'm just
Speaker 1: proud of me because we were talking about it back
Speaker 1: and forth, and just like, I'm just so glad that
Speaker 1: she's honing in on that because she teaches so much
Speaker 1: more than that, but it's such a valuable chunk of
Speaker 1: like what she teaches, so am out here.
Speaker 2: I think I'm mormonal because I'm just getting misty. No,
Speaker 2: but I know I love that you said that too,
Speaker 2: because and the thought that went into this is and
Speaker 2: I kind of explain this, if you're on an email list,
Speaker 2: you can sign up in anybody dot com. But the
Speaker 2: thought that went into this is Yes, I have done
Speaker 2: it myself. I have ten x my salary. I have
Speaker 2: become an expert negotiator for myself for the past year
Speaker 2: and a half that I've been doing coaching. That was
Speaker 2: me proving that I could teach it. That was me
Speaker 2: proving that other and would benefit from hearing how I
Speaker 2: did it, and that I could I could create a
Speaker 2: method that could work for many more people than just me.
Speaker 2: And that's the point, Like, I'm not happy until every
Speaker 2: woman of color out there, first and foremost is feeling
Speaker 2: more confident and able to ask for more at the
Speaker 2: negotiating table. So I love that. Yes, the mission, the
Speaker 2: mission is to reach and then teach, and I you know,
Speaker 2: I spent the past year and a half and I
Speaker 2: have the testimonials and the receipts to prove that I
Speaker 2: know what I'm talking about. And it's not just something
Speaker 2: and that should inspire everyone. It's not just something that
Speaker 2: you can say, well, that's Mandy, you know, she's this,
Speaker 2: she's that, she had this, she had that. No, like,
Speaker 2: I'm boiling it all down and I am specifically talking
Speaker 2: about the method that will help you negotiate more confidently
Speaker 2: and actually actually get first of all, position yourself to
Speaker 2: get the juicy offers. People think that it's all about
Speaker 2: negotiating when you get to the table, but you have
Speaker 2: to actually get to the table. So when you talk
Speaker 2: about what else is there to be taught, it's about
Speaker 2: that journey to the table that I think people skip.
Speaker 2: And that's all what I'm about. That's like your professional
Speaker 2: brand and your interviewing skills and developing rare unique value
Speaker 2: that you can sell. So all of that is what
Speaker 2: I'm sort of covering on a much larger grander scale
Speaker 2: through Mandy money Makers. But in this specific webinar, we're
Speaker 2: talking about negotiating and you're talk about.
Speaker 1: Business enough, Like I just thought about that because in vaq,
Speaker 1: like if you don't, if you don't listen to Baqwa,
Speaker 1: you probably don't get it to hear us talk chat
Speaker 1: about business stuff. I think we should integrate that more
Speaker 1: into like our brand ambition CHET because I was just
Speaker 1: thinking of it, Like, you know, we we don't talk
Speaker 1: about business. I mean we we it's almost strictly personal finance,
Speaker 1: which is great and we will continue. But there's so
Speaker 1: many of you who are thinking about starting your business,
Speaker 1: have a business, are not really sure, and I'm like,
Speaker 1: you know, it would be great for us to include
Speaker 1: some that chat. Now. If you like it, we love it.
Speaker 1: Let us know. Send us some you know, an email
Speaker 1: at brandebischionpocast at gmail dot com, you know, send us
Speaker 1: a message on Instagram on Twitter, you know, like if
Speaker 1: you're like, yes, I would love you to talk about
Speaker 1: some business things as well as financial things, you know,
Speaker 1: during Briannavision, not just be a QA Fridays, because yeah,
Speaker 1: this's just I just think that, like, one of the
Speaker 1: best ways to secure your finances in your financial future,
Speaker 1: one of the best ways, not the only, because certainly
Speaker 1: could do it through a nine to five. One of
Speaker 1: the best ways is business because especially if I'm being
Speaker 1: honest as a woman of color, you know, there's so
Speaker 1: many places where people tell us no. But in your
Speaker 1: own business, you know, you get to tell yourself yes,
Speaker 1: you know what I mean. Are there still hindrances and
Speaker 1: things that hold back, Absolutely, but I have way more
Speaker 1: space and freedom to make a way versus waiting for
Speaker 1: someone to see me, you know. And I'm definitely not
Speaker 1: poop pulling on jobs because I had a job longer
Speaker 1: than I didn't have a job, and it was helpful
Speaker 1: to where I am now. And everyone's not built to
Speaker 1: have a business, and businesses are very stressful and you're
Speaker 1: gonna work way more that whole if you love what
Speaker 1: you do, you never work a day and you're like,
Speaker 1: it's a lie, it's a lie. I love being a
Speaker 1: budget of these day and I work every day, you know.
Speaker 1: So I'm certainly not saying businesses is better, but it
Speaker 1: gave me a more of an opportunity to make wealth
Speaker 1: that I would not have normally had the direction that
Speaker 1: I was going in. And so I think we'll just
Speaker 1: have more chatbat about that because I think it's important
Speaker 1: for our listeners who are even just thinking about it
Speaker 1: to hear that that that chat and here are our
Speaker 1: early archejectory and story.
Speaker 2: So my nine to five career was my venture capital
Speaker 2: fund for my business exactly. That was the seed money.
Speaker 2: I wasn't spending, as I mean, yeah, I was spending,
Speaker 2: but I was always saving for freedom and when I
Speaker 2: you know what I mean. So that gave me the
Speaker 2: freedom to then you know, launch my own launch my
Speaker 2: own business venture. And I'm so exciting, but yeah, I
Speaker 2: wouldn't have had that without my nine to five, So
Speaker 2: shout out to you payroll and the paychecks. I still
Speaker 2: miss them. I'm not gonna.
Speaker 3: Girl who doesn't, because they're coming radically given Now, fifteen
Speaker 3: years later, there'll be a month where was like, al Tiffany, here,
Speaker 3: here's six figures, and then the next month zero.
Speaker 1: So it please, it's it's.
Speaker 2: It's a whole episode about net sixty and how I
Speaker 2: those are my two least favorite words.
Speaker 1: Oh my gosh, I try to do fifteen thirty because
Speaker 1: you literally there'll be so much for you, like everything hitting,
Speaker 1: and it's like, yeah, nothing hits this month, so yeah,
Speaker 1: just but we're gonna have more chat about that. Do
Speaker 1: you want to do? Do you want to take a
Speaker 1: quick break? And I know we've been chatting for a while.
Speaker 2: Yeah, let's take a quick break and be right back
Speaker 2: with your brown Boost brown break.
Speaker 1: Yeah, and now it's time to boost a break with
Speaker 1: all our family. Okay, is she going boost? Is she
Speaker 1: going break? What you're gonna do? What you're gonna do? Mandy, Mandy,
Speaker 1: Mandy Man.
Speaker 2: That was like a combo of all the brown boots. Damns.
Speaker 2: I like that. That's like the remix. I'm gonna boost,
Speaker 2: I'm gonna boost the queen the goat, the real queen
Speaker 2: that we should all be talking about, Viola Damn Davis
Speaker 2: and her film, her starring, multi million dollar earning movie
Speaker 2: that just came not this weekend called The Woman King.
Speaker 2: I heard that it was number one at the box office. Yeah,
Speaker 2: so I'm so damn excited. I am desperate to go
Speaker 2: see it. I had agreed with some like other women
Speaker 2: in the neighborhood who I'm friends with, to go see
Speaker 2: it like a couple of weeks from now, but I
Speaker 2: don't tell them I'm going to go see it tomorrow
Speaker 2: because I don't want to be the one who hasn't
Speaker 2: seen it yet, you know, like I got fomos. So
Speaker 2: that's the beauty of working from home. I'm going to
Speaker 2: go see it tomorrow. But I'm so damn excited because
Speaker 2: y'all know what happens if movies that you know, for
Speaker 2: women that look like the women this is all like
Speaker 2: dark skinned, powerful women not being the objects you know
Speaker 2: that are that are taken advantage of or victimize. They
Speaker 2: are the warriors, they are the winners. Plus it's based
Speaker 2: on a true story. Like the fact that this movie
Speaker 2: is doing so well, it bodes so much. It's bodes
Speaker 2: so well for you know, black female led films in
Speaker 2: the future. So if you haven't gone to see it,
Speaker 2: please go support this film, and not just because you
Speaker 2: you know, feel that like a bit of obligation. The
Speaker 2: reviews are in and the reviews are phenomenal, like a
Speaker 2: a score on Cinema Score, like fans are loving it.
Speaker 2: Everyone I know who has seen it has loved it.
Speaker 2: So it looks really spectacular and I can't wait to see.
Speaker 1: Yeah, it's a little flex. I went to one of
Speaker 1: my friends, Stanley owns this really great African restaurant in
Speaker 1: Harlem called Taurannga. So he hit me up, was like, Hey,
Speaker 1: We're having a forty person dinner with the director of
Speaker 1: the film and some of the I know and some
Speaker 1: of the the actresses from the film. And I was like,
Speaker 1: oh my gosh, it's not gonna got to be there.
Speaker 1: He's like, you tried it now, but the director will
Speaker 1: be here. And it was amazing. The food was they
Speaker 1: they What I loved was is that Stanley made because
Speaker 1: normally his chef is a is an African man his
Speaker 1: head chef, but he specifically chose an African woman who
Speaker 1: was amazing, and she made authentic African food across the diaspora,
Speaker 1: like food from benin Nigeria, food from Liberia, food from Ghana. Synically,
Speaker 1: it was. It was so many courses and so delicious,
Speaker 1: and I felt like I almost teared up because she
Speaker 1: served Okra soup, which is like such an Ebo. So
Speaker 1: I'm Nigerian, but I'm Ebo such an Ebo staple and
Speaker 1: like that's one of like my mom my favorite things
Speaker 1: and my momkes So I was like, oh my god.
Speaker 1: I felt like I was sitting at home because Okra
Speaker 1: soup is not something that you like get at a
Speaker 1: restaurant necessarily, you know. It's like the thing that like
Speaker 1: it's like Peter buturn and jelly, you know what I mean,
Speaker 1: Like you're not gonna order Peter and jelly from restaurant,
Speaker 1: but it's a.
Speaker 3: Home, you know.
Speaker 1: So I was just like, oh my gosh. It's just
Speaker 1: it was this room full of like beautiful brown and
Speaker 1: Black people from the diaspora from all different walks of life,
Speaker 1: you know, just like celebrating the film. It's just felt
Speaker 1: amazing to be in the room. And so yeah, I'm
Speaker 1: excited to see it too, so that's for us. So
Speaker 1: I'm gonna do a mini boost and then a bigger boost.
Speaker 1: So mini boosts. I don't know if y'all have been
Speaker 1: seeing it, but my skin has been growing okay, And
Speaker 1: I was like, what is going on? Because I mean,
Speaker 1: I'm not really one of that out anyway, but I'm
Speaker 1: never I wasn't really giving you velvety salt. I was
Speaker 1: just giving you every day, you know, day to day.
Speaker 1: But the other day my makeup artist was like, why
Speaker 1: do you have foundation on already? Because I was like,
Speaker 1: I forget what I was getting my face made for
Speaker 1: some TV thing and I was like, girl, I don't
Speaker 1: And I said, you're the second makeup artist this month
Speaker 1: that told me that, and she was like, well, who's
Speaker 1: the first. I thought I was making bars I'm my girl.
Speaker 1: I was in Atlanta and so she was like, no, Tiffany,
Speaker 1: what do you do with your skin? And I was
Speaker 1: trying to figure out what it was because I don't
Speaker 1: nothing different. And then my sister Carol came over yesterday
Speaker 1: and I was like, greener skins, looking great. And Carol
Speaker 1: has been taking zinc and because she she she was
Speaker 1: she kept getting these cold because she's got kids in school,
Speaker 1: so you know, her her son is like seven, her
Speaker 1: daughter's five. So you're, you know, coming home with everything
Speaker 1: and so everything but your winter jacket, right, you don't
Speaker 1: even kids just be leaving everything at school, but they
Speaker 1: bring every disease home. Where's your coat? And so she
Speaker 1: said that she like, my mom's a nurse. So my
Speaker 1: mom was like, you know, zinc is like a I
Speaker 1: guess it's a reparative compound, you know, Like so when
Speaker 1: you like when even when I had gotten COVID, one
Speaker 1: of the things that everyone told me to take was
Speaker 1: like zinc, vitamin C blah blah blah. So she was
Speaker 1: taking it and she noticed her skin was looking amazing.
Speaker 1: So she googled it and found that lots of boxers
Speaker 1: take zinc because it is a reparative I guess compound
Speaker 1: and it brings your so you know, boxes get hit
Speaker 1: in the face, skin, skin gets broken, so it helps
Speaker 1: to make your skin like repair faster. And so when
Speaker 1: I was thinking about it, like, I was like, well,
Speaker 1: I haven't taken zinc since like, you know, COVID left.
Speaker 1: But then I realized because Tracy was like, even though
Speaker 1: you're black, you walk every day, tiffany where your sunscreen?
Speaker 1: Where your sunscreen? And I was like fine, And the
Speaker 1: only sunscreen I had was this zinc based sunscreen that
Speaker 1: gives you the white cast. And I was like, well, girl,
Speaker 1: these people are just gonna have to see me out
Speaker 1: here looking like a ghost. But so literally I was
Speaker 1: been slathering it all my face and taking my two
Speaker 1: hour walks, and I was like, that's what. After doing
Speaker 1: some research, I found it's the zinc that zinc especially
Speaker 1: is reperative to skin, and it's the reason why, like
Speaker 1: if you have any baby, if you if you look
Speaker 1: at what when you look at under diaper rash cream
Speaker 1: number one ingredients zinc zinc.
Speaker 2: Yes, And I was like, I'm rolling up. It's literally
Speaker 2: called butt paste.
Speaker 1: Yes, and so yeah. So honestly, I mean it's it's
Speaker 1: the zinc. I'm not taking like, you know, zinc oily
Speaker 1: because I'm like, girl, I can't do pills. I hate
Speaker 1: them unless I actually have to. But I'm like, it's
Speaker 1: really just they gonna get this white cast when I walk.
Speaker 1: That's what that just means. And make sure you get
Speaker 1: your face and your neck and so so, because there
Speaker 1: are some you know, certainly there are some sunscreens that
Speaker 1: don't have zinc in it, you know, but I found
Speaker 1: out from like my dermatosis. She's she's a black woman,
Speaker 1: and she said, oftentimes a lot of these sunscreens that
Speaker 1: they share, you know, specifically for black and brown people
Speaker 1: who don't want the white cast. She was like, I
Speaker 1: hate to say, you're not getting the full coverage and necessary,
Speaker 1: she said, because the white casts from the zinc is
Speaker 1: what's blocking. She said, not that they don't work at all,
Speaker 1: but it's that ugly white cat that's blocking. She's like,
Speaker 1: I know it feels.
Speaker 2: So she was like, sun hat too.
Speaker 1: Yeah, so she was just like, so I realized. So honestly,
Speaker 1: I just say that to say, when I tell you
Speaker 1: the zinc in it, my skin just looks like I'm where,
Speaker 1: I'm not very anything on my face right now. If
Speaker 1: you're on YouTube, I'm rubbing my face and be like,
Speaker 1: you know, and so I'm just like, I can't believe
Speaker 1: my skin is just low thanks zinc. That's my brown
Speaker 1: because you know us brownies, because everybody could use a
Speaker 1: velvety sauce. So that's one, and then two, A bigger
Speaker 1: one is that so many black and brown women who
Speaker 1: have their own businesses that have done really well have
Speaker 1: been reaching out to me lately. I was just shocked.
Speaker 1: I've been doing conferences and they'll hit me up later,
Speaker 1: and they are over the hustle, hustle, hustle, make it
Speaker 1: at any cost culture. And I'm just so happy about
Speaker 1: that because just a few years ago, everyone was like
Speaker 1: Bigger is better, more is more. And when I tell you,
Speaker 1: like the level of women that have been reaching to
Speaker 1: be women who have made millions, some women who've made
Speaker 1: tens of millions, and they were like, Tiffany, you seem
Speaker 1: not to be stressed like you were a few years ago.
Speaker 1: When I'm at you, what's happening? And I just have
Speaker 1: been like, honestly, I just have decided I after Drew
Speaker 1: passed away, I just said I don't want to live
Speaker 1: in that space anymore, like more for more, like cause
Speaker 1: what was I really working toward? I mean, I still
Speaker 1: wear my target's best, you know what I mean. Like
Speaker 1: I'm not trying to buy a Lamborghini. There's nothing wrong
Speaker 1: with Lamborghini, but I don't need one. So you have
Speaker 1: enough to actually not work anymore, So why are you
Speaker 1: still working like you need to work?
Speaker 2: So hard, you know.
Speaker 1: And so I actually was talking to my friend Mark
Speaker 1: this morning, who's been an entrepreneur as long as I have,
Speaker 1: and he said, tell me what your ten thirty looks like,
Speaker 1: and I could tell you a little bit more about
Speaker 1: your life and what stayed you're in.
Speaker 2: You're ten thirty am.
Speaker 1: Yep, m hm at ten o'clock, ten thirty am. And
Speaker 1: he was like, I mean, aside you have kids. If
Speaker 1: you have kids, sorry for you, but you know, I
Speaker 1: meaning like it looks like I just dropped the babies off,
Speaker 1: but meaning like, what are you doing with that time? Like,
Speaker 1: are you at your job? Are you like, like, are
Speaker 1: you hustling still hard in ear of your business? Which
Speaker 1: is nothing wrong with that, but he said, I can
Speaker 1: tell you what stage where you're at, you know. And
Speaker 1: so five or six years ago, my ten thirty was
Speaker 1: like I was already up by four or five, you know,
Speaker 1: starting to get work in and by ten thirty I
Speaker 1: was probably on my sixth call. And Tiffany now at
Speaker 1: ten thirty is likely watering the flowers in the front
Speaker 1: of her house, you know, and so like, and I'm
Speaker 1: basically I'm working toward what does my ten thirty look like?
Speaker 1: On average, like, that's what I'm working toward. I realized
Speaker 1: is that, like, and it's okay, that's not what it is.
Speaker 2: Now.
Speaker 1: My sister Tracy just started her pr business, like you know,
Speaker 1: two years ago. Her ten times is not going to
Speaker 1: look like that. She's still in the early stages of business.
Speaker 1: But keeping that in mind that like, what do you
Speaker 1: want your ten thirty two look like? So you're not
Speaker 1: just working for working for working for working sake, you
Speaker 1: know what I mean? And so the fact that so
Speaker 1: many women, especially black women, have been reaching out to
Speaker 1: me who have accomplished the financial desire that they wanted
Speaker 1: to accomplish, and they really, why am I still working
Speaker 1: so hard? I want to spend more time with my kids.
Speaker 1: I want my ten thirty to look too, you know.
Speaker 1: I just it just warms my heart because that was
Speaker 1: not the conversation that we're being had years ago.
Speaker 2: It was just more privilege. Yeah, I feel super privileged
Speaker 2: myself to be surrounded by people who think like you
Speaker 2: because I've pre learned that I never want to reach
Speaker 2: out breaking point. That's my goal, like just baking the boundaries.
Speaker 2: Now have the have the huge blocks on my calendar.
Speaker 2: One of the more. One of the most powerful keynotes
Speaker 2: at fin Con was by Bernadette Joy. If you guys
Speaker 2: don't follow her, she has a podcast called Crush Your
Speaker 2: Crush Your Money Goals, and one of her most she
Speaker 2: put a screenshot of her schedule on the screen and this,
Speaker 2: I feel like, is the new like what you're talking about,
Speaker 2: the new mindset of being a business owner. And it
Speaker 2: was like Monday blocked out, Tuesday, Wednesday, Thursday open, Friday
Speaker 2: blocked out, you know, and having these boundaries and I'm like, yep,
Speaker 2: that feels like my calendar. This feels super affirming. So
Speaker 2: if it can't happen with these boundaries in place, that
Speaker 2: I need to you know, that I need to move things.
Speaker 2: It's not my schedule that's a problem, you know, it's
Speaker 2: the business model, or it's the way that I'm strategizing,
Speaker 2: or like let me get Tip on the phone and
Speaker 2: ask her what I can do.
Speaker 1: Like there are moments of surge and that's okay. So
Speaker 1: for example, when I was pushing Netflix for like two weeks,
Speaker 1: it was crazy. It was like go go go, go,
Speaker 1: go go go. But this today I spoke to Logan,
Speaker 1: I said, you know, we're no longer in launch mode.
Speaker 1: It's been two weeks, so crazy. We're back to Hey, girl,
Speaker 1: get off my calendar. I told Logan, you're on my calendar.
Speaker 1: I expect a PowerPoint and I gloss because that means
Speaker 1: it is over. Yes, I'm gonna be sitting with you.
Speaker 1: I was telling Mark, I said, you know, the only
Speaker 1: thing that's consistent on my calendar is Brown Ambition. That's it.
Speaker 1: Everything else is like, oh, I might have this meeting
Speaker 1: this Wednesday, but then the next Tuesday. Brown Ambition is
Speaker 1: the only weekly thing that's on my calendar every single week.
Speaker 1: Isn't that just a ma like there's nothing else. It
Speaker 1: was like not to say I don't have meetings, but
Speaker 1: it's not every Wednesday I meet with such as every
Speaker 1: Tuesday I meet with that. That's how my life is
Speaker 1: to be yes, every and now it's like, no, you
Speaker 1: have Brown Ambition, and everything else comes and goes. I
Speaker 1: don't work Wednesdays. I don't work Fridays unless something super
Speaker 1: special comes up, like you know, I'm traveling to like
Speaker 1: speak at a conference, whatever, which doesn't happen as often.
Speaker 1: I don't work Wednesdays. I don't have those days are
Speaker 1: blocked off and I don't work weekends. You know, those
Speaker 1: days are blocked off unless, like I said, I'm traveling
Speaker 1: for you know business, which I said does maybe it's
Speaker 1: a few times a year that happens. And it's okay
Speaker 1: if you want to work Wednesdays or Fridays or whatever.
Speaker 1: Because one of the things I want to do next year,
Speaker 1: should I say it now? Yeah, I'm going to say,
Speaker 1: is that I want to do something start that I
Speaker 1: want to call wealth Walks. And because we're I think
Speaker 1: I really like as I like connecting with my dream
Speaker 1: catchers in person. And so although I guess on paper
Speaker 1: it's like looks like work, but not for me. I
Speaker 1: want to literally just fly out and be like, oh,
Speaker 1: I'm coming to you know, buckhead who wants to meet
Speaker 1: me at the local park. And because I love walking
Speaker 1: and I love talking about Monday, So how do I
Speaker 1: combine those two things and I love connecting with dream catchers.
Speaker 1: Let's meet at this park. Bring a blanket, a book bag,
Speaker 1: a sandwich, and a water bottle, and we're just going
Speaker 1: to walk and talk about money for maybe like thirty minutes,
Speaker 1: forty five minutes, find a grassy knoll, sit, eat our sandwich,
Speaker 1: and just KEI key, Like, honestly, that's what I'm going
Speaker 1: to be doing next year, flying out and I'm excited,
Speaker 1: you know, I'm so excited about it. And what literally
Speaker 1: and what I love about it is that like I
Speaker 1: don't want anything for I just I just want to
Speaker 1: I want to connect because I went to invest best
Speaker 1: and part of me is like, Tiffany, are you missing
Speaker 1: out because you don't want to have a conference? And
Speaker 1: I said, because, I said, what is it about this
Speaker 1: that you like? I said, I love the connection? I said,
Speaker 1: what is it that you don't like? I said, I don't.
Speaker 1: I don't like I can't imagine how much work this is.
Speaker 1: And I don't like this super hyperstructure of this, you
Speaker 1: know not. I mean I loved it for them, but
Speaker 1: for me because I could have been had a conference.
Speaker 1: I'm not interested in that, you know, but I do
Speaker 1: want that connection. And I said, girl, do these wealth
Speaker 1: walks like you love? Connecting with dream catchup. I'm honestly
Speaker 1: so excited about it to be like wooh, so I'll
Speaker 1: be coming to a city near you. Literally, that's all
Speaker 1: I know. Like, I don't you know, people like, well
Speaker 1: when and now I'm like, I don't know I'll figure out.
Speaker 1: I'll just be like I'll post it on social or
Speaker 1: something and just be like, hey, I'm gonna be here
Speaker 1: if you want to take a walk with me. And
Speaker 1: it might even be like we're red so I know
Speaker 1: it's you, or we're blue so I know it to
Speaker 1: you or something, so we can all meet up and
Speaker 1: see each other and then that's literally walk and talk
Speaker 1: about money and then and then after that just talk
Speaker 1: because you know, as women are apt to do, not
Speaker 1: the same men. I'm not gonna be allowed because I
Speaker 1: don't know how y'all do. You can even bring the kids,
Speaker 1: which I love, like bring the babies in a stroll,
Speaker 1: you know I love me a baby or don't or don't.
Speaker 1: I'm just saying, if you done.
Speaker 2: That home so you can enjoy take her from my mama,
Speaker 2: who guys recently unlocked the magic of doing things by
Speaker 2: her damnself.
Speaker 1: But I'm just saying, if you wanted to, I wouldn't
Speaker 1: be a pot because I know some women don't have
Speaker 1: the option, and I don't want that to be the reason.
Speaker 1: But yeah, so I just share all that to say that,
Speaker 1: like my big brown boost is that there is a
Speaker 1: shift happening, which I love overall, where people are like saying,
Speaker 1: I'm not willing to work myself to the bone. There
Speaker 1: has to be a better way, and people are actively
Speaker 1: seeking that better way and it really makes me happy.
Speaker 2: So are we quite quitting our businesses? That's awesome? Oh,
Speaker 2: warm and fuzzies. I can't wait for your wealth walks.
Speaker 2: And if you go to Atlanta, I'm just a girl.
Speaker 2: You better it's going to be a mob. It's going
Speaker 2: to be people are gonna be like, what's happening. There's
Speaker 2: five hundred women work like on a grass, you know,
Speaker 2: with peanut butter and jelly.
Speaker 1: I know I'm going to see like I am the matrix.
Speaker 3: I know.
Speaker 1: I'm like, wait, I'm like, do I have to get
Speaker 1: a like a I don't think so right to go
Speaker 1: for a walk? I'm like, do I have to get
Speaker 1: like we you know, one of those things? What those
Speaker 1: things are like? You have to get like permission? I
Speaker 1: don't even know, but yeah, close right, if you plan.
Speaker 2: I've heard such good thing. I want to go in
Speaker 2: like a nature walk in Idaho or like Montana. Do
Speaker 2: you ever do something like that like a retreat? Please
Speaker 2: invite me because it's like that, Yeah, I want to
Speaker 2: get away in the mountains and just like.
Speaker 1: Yes, I would love that, cause honestly, they do that.
Speaker 1: Girl Trek does that and they go to Colorado and
Speaker 1: it's so epic and amazing. Yeah, I can see the
Speaker 1: Wealth Walk growing to something like that where it's like, Okay,
Speaker 1: now it's actually just a retreat someplace beautiful, and yes
Speaker 1: we talk about money, but we really just to get
Speaker 1: to WUSA and just hang out with each other. I
Speaker 1: could see it growing to see that I would do
Speaker 1: like a conference where it's like I'm on the stage
Speaker 1: and all my stage people are here. I don't want that,
Speaker 1: but like a retreat where we get to just hang
Speaker 1: out and just be like HUSA and share how we're
Speaker 1: scared about our budget or how we don't know how
Speaker 1: to invest in all those types of things. And certainly
Speaker 1: they're talks and chats about that, but it's more more
Speaker 1: so to just like reconnect and reset so you can
Speaker 1: make the decisions you need to make about your overall
Speaker 1: financial holeness. Like I can see myself doing a retreat,
Speaker 1: you know, over a conference. So so yeah, but we'll see.
Speaker 1: For now it's just Wealth Walk. So we're like let's
Speaker 1: not get ahead of ourselves. We just gonna do some
Speaker 1: free wealth walks in the park.
Speaker 2: It's certainly from a place of authenticity is always the key, right,
Speaker 2: So what fits you authentically and fits your spirit and
Speaker 2: that just that just leads to and the business the
Speaker 2: profits come. You know what I mean. That's what I'm
Speaker 2: learning by watching you and by watching others as well,
Speaker 2: and that's what I hope to hope to emulate.
Speaker 1: Thanks Man's Run, Thank you to all right, y'all, it's
Speaker 1: a good show.
Speaker 2: You ready to get grilled?
Speaker 1: Yeah, So if you have, if you're not listening to
Speaker 1: b a q A Hello and two days, you know,
Speaker 1: if you're listening to this on Wednesday, ba Qua lands
Speaker 1: every Friday right wherever you're listening to this, come on over,
Speaker 1: Come on over baby. So me and Mandy have been
Speaker 1: doing this thing where last time I grilled Mandy about
Speaker 1: all things negotiating. And I feel really good about it
Speaker 1: because I've been able to use like I bought your negotiating.
Speaker 1: I don't know if you saw my little purchase behind.
Speaker 2: The things I bought, there were so many I might
Speaker 2: have noted. Is Mandy scripts mandymoneyscripts dot com right.
Speaker 1: So I bought it. And then but honestly, the information
Speaker 1: that Mandy gave me last time, literally I took notes,
Speaker 1: and I've had to have some really hard conversations this
Speaker 1: past week. And when I tell you, helped tremendously. I
Speaker 1: just felt really good about it. I'm like, I did it.
Speaker 1: I did it, and I increased my rates right away,
Speaker 1: so you'd be proud of me. I did my homework
Speaker 1: that you gave me. My rates are been double for
Speaker 1: speaking I sent them out. That was genius that you
Speaker 1: told me to send them out a prior. I you know,
Speaker 1: I had my my agents send out my new rates
Speaker 1: since people are gonna be working on their finances now
Speaker 1: and for next year, and I'm ready to have the
Speaker 1: tough conversations which I've been having already, and so it
Speaker 1: was just it was just a great baqa. If you
Speaker 1: didn't listen to it last week, you should listen to it,
Speaker 1: because man, hey gave me some really great advice about negotiating,
Speaker 1: you know, beyond just like at your career, but even
Speaker 1: just like me as a business woman. And so this week,
Speaker 1: man I'm in the hot seat. Man is gonna be
Speaker 1: asking me a ton of questions, and then maybe the
Speaker 1: week after that, we want to get you guys to
Speaker 1: put us in the hot seat. You could come on
Speaker 1: here live with us and ask us questions about business,
Speaker 1: career and personal finances. So see y'all in a couple
Speaker 1: of days. If you're listening to this on Wednesday, see.
Speaker 2: Y'all at the BAQA. Bye bye, Hey ba fan. We
Speaker 2: could not do this show without your support or the
Speaker 2: support of our team behind the scenes. The Brown Emission
Speaker 2: podcast is produced by Cumulus Podcast Network. It's edited by
Speaker 2: the wonderful Imani Crosby and produced by Tanya Bustos. Dennis
Speaker 2: Stimplinsky is our in house tech guru, and I am
Speaker 2: Bandy Woodard Santos, your co host, and I will see
Speaker 2: y'all next week.