WEBVTT - Ep 326: Things Are Thinging 0:00:06.080 --> 0:00:20.480 Hey, hey, hey, we're bad. We are black. We are ambition, ambition, ambition. Hey, mandra, 0:00:20.520 --> 0:00:20.959 how are you? 0:00:21.880 --> 0:00:24.040 I'm self conscious about you now because I mean. 0:00:24.120 --> 0:00:26.639 Did you see that that that tweet when that someone 0:00:26.720 --> 0:00:28.200 was like I love what tificy starts wrapping the. 0:00:28.120 --> 0:00:31.280 B a qua our Friday b A Yeah, I was like, 0:00:31.440 --> 0:00:36.600 for real, I know, I look forward to it as well. Yeah, 0:00:36.640 --> 0:00:38.760 today I let you shine. I also feel self conscious 0:00:38.760 --> 0:00:41.320 about singing now because I'm so used to to Rio 0:00:41.880 --> 0:00:44.559 like yelling at me now. I don't know why that 0:00:44.600 --> 0:00:47.080 he's such a hater, but I can't. Let me try 0:00:47.120 --> 0:00:51.159 to sing. Let me try to, like say and imitate 0:00:51.159 --> 0:00:53.560 one of his favorite characters. It is a no mama, 0:00:53.680 --> 0:00:56.080 no stop mama. Sometimes he slaps me in the face, 0:00:56.400 --> 0:01:00.880 which I feel like is really special. Yeah, but no, 0:01:01.120 --> 0:01:03.200 you do a good job TOI never had to pay 0:01:03.240 --> 0:01:10.280 a cent for our music. I will live be free. 0:01:11.080 --> 0:01:11.960 What's new with you? 0:01:12.280 --> 0:01:13.160 How are things? 0:01:14.160 --> 0:01:18.679 Things are thanging? See something? 0:01:18.800 --> 0:01:20.520 I think that's the title of the podcast. 0:01:20.640 --> 0:01:24.319 Yeah, thanks banging well. Actually, so, a friend of mine 0:01:24.319 --> 0:01:26.000 actually reached out to me like a week or so ago, 0:01:26.080 --> 0:01:30.200 and she was just sharing like her her grandmother sold 0:01:30.200 --> 0:01:32.600 like their family home that she had inherited from her 0:01:32.600 --> 0:01:37.240 grandmother for a dollar and so so one which I 0:01:37.480 --> 0:01:39.680 thought one thing that I was like, oh, these banks 0:01:39.680 --> 0:01:43.040 are terrible. So one when when she looked into it, 0:01:43.040 --> 0:01:47.400 it turns out that she was paying an interest only mortgage. 0:01:47.640 --> 0:01:49.880 I guess at one point she had taken money out 0:01:50.440 --> 0:01:53.000 the multi family house, had taken money out to renovate whatever, 0:01:53.560 --> 0:01:56.240 and they had her just paying interests only for years, 0:01:56.600 --> 0:02:01.520 literally tens of thousands gone, you know. So but thankfully, 0:02:01.960 --> 0:02:03.480 the smart thing that she was able to do was 0:02:03.520 --> 0:02:05.240 hold out because right now it's really hot in Jersey 0:02:05.320 --> 0:02:08.200 right now for purchasing homes. So they were able to 0:02:08.240 --> 0:02:11.200 sell the property for a significant amount of money, over 0:02:11.240 --> 0:02:13.480 a million dollars. So they were able to pay off 0:02:13.480 --> 0:02:15.520 the mortgage that the you know, the whatever loan they 0:02:15.520 --> 0:02:17.760 had taken out against the house. And she's left with 0:02:17.840 --> 0:02:21.040 basically a million dollars that's just sitting in a big 0:02:21.080 --> 0:02:23.400 bank savings account. And so my friend is kind of 0:02:23.400 --> 0:02:25.840 freaked out and it's like, what are we supposed to do? 0:02:26.520 --> 0:02:28.320 And she had inherited that for a dollar? 0:02:29.000 --> 0:02:30.080 Yeah, what is that? 0:02:30.320 --> 0:02:31.040 How long has it been? 0:02:31.480 --> 0:02:34.880 I mean, the grandmother is in her seventies, her mid seventies, 0:02:35.480 --> 0:02:38.280 and so you assume, you know, maybe fifty years ago, 0:02:38.480 --> 0:02:40.880 you know, maybe because I'm assuming maybe she inherited from 0:02:40.919 --> 0:02:42.680 her grandmother when she was in her twenties or thirties, 0:02:42.720 --> 0:02:44.600 you know, and so it's been in their family for 0:02:44.639 --> 0:02:48.480 a long time. And so and I just said, well, 0:02:49.120 --> 0:02:50.800 she said, did we do the right thing by selling it? 0:02:50.840 --> 0:02:53.679 And I said, well, here's the thing we possibly could 0:02:53.680 --> 0:02:56.840 have done, is that you could have what is it 0:02:56.840 --> 0:02:58.800 called when you take money out of the house, not 0:02:58.840 --> 0:03:03.320 a home neckway line of c but a refy refinance 0:03:03.360 --> 0:03:04.040 and cash. 0:03:03.760 --> 0:03:06.880 Cash out refight mm hmmm, cash out REFI yeah. 0:03:06.720 --> 0:03:09.000 Yeah, So you know, so that could that was a possibility, 0:03:09.120 --> 0:03:11.040 you know, if you wanted to keep the house, and 0:03:11.040 --> 0:03:12.400 then you could take that money and then do other 0:03:12.440 --> 0:03:14.960 things with it. Maybe purchase another because that property was 0:03:14.960 --> 0:03:19.000 a multi family house, maybe purchase another property, you know, 0:03:19.120 --> 0:03:22.240 and you know you could have done that, but you 0:03:22.240 --> 0:03:24.600 know it's here now you sold the house. There's like 0:03:24.639 --> 0:03:28.720 a million dollars floating. Granny's in her seventies. And my 0:03:28.760 --> 0:03:31.320 friend was like, you know, everybody has obviously something to say, 0:03:31.320 --> 0:03:33.639 including the big bank where the money is of course, 0:03:33.639 --> 0:03:36.280 they're trying to get her to invest it with them 0:03:36.280 --> 0:03:38.320 so they can slowly drip away all her money because 0:03:38.320 --> 0:03:41.280 you know how that goes. Thankfully, Granny has all her 0:03:41.840 --> 0:03:46.000 her faculties in her and it's like no, so she 0:03:46.040 --> 0:03:47.760 doesn't know what to do. It's been like it's been 0:03:47.760 --> 0:03:49.400 a few months now, so it's just sitting in that 0:03:49.440 --> 0:03:52.720 savings account. My friend has been trying to, like, you know, 0:03:53.200 --> 0:03:55.680 help her, but she has every everybody in the family 0:03:55.760 --> 0:03:58.320 has something to say, and so Granny basically like, none 0:03:58.320 --> 0:03:59.440 of y'all rich, So how are you gonna tell me 0:03:59.480 --> 0:04:00.000 you do my money? 0:04:02.160 --> 0:04:04.200 That's fun thing. I was my friend that the budget 0:04:04.200 --> 0:04:06.400 needs to go, so. 0:04:06.320 --> 0:04:09.000 I'm actually gonna be meet up with her this week. 0:04:09.040 --> 0:04:10.440 She actually doesn't live far for me, which I was like, 0:04:10.440 --> 0:04:11.920 oh that's great, So I'm gonna meet up with her 0:04:11.920 --> 0:04:14.320 this week. I told my friend, at the very least 0:04:14.640 --> 0:04:17.520 to start with this is to you know, like to 0:04:17.640 --> 0:04:20.520 move the money to a high yield. You know, it's 0:04:20.600 --> 0:04:22.560 high yield the savings account that you can get. So 0:04:22.600 --> 0:04:24.800 at the very are we going to offset inflation now? 0:04:25.080 --> 0:04:27.680 But it's better than the zero points, the zero one 0:04:27.720 --> 0:04:30.279 percent that her big bank is getting her. You know, 0:04:30.320 --> 0:04:32.280 maybe you get two two and a half percent better 0:04:32.320 --> 0:04:34.840 than nothing. I said, if nothing else, I think you 0:04:34.839 --> 0:04:36.800 should be able to convince her to do that. And 0:04:36.839 --> 0:04:39.719 then but when I told him, I told my friend, 0:04:39.760 --> 0:04:42.360 I said, you know, I told her that, like, here's 0:04:42.360 --> 0:04:45.960 the thing, your your grandmother is not wrong like y'all 0:04:45.960 --> 0:04:47.960 want her to make all these fast moves. She actually 0:04:48.000 --> 0:04:50.080 is really smart, and that I'm not making any move 0:04:50.960 --> 0:04:53.719 until I decide, like what exactly that I'm doing. I said, 0:04:53.760 --> 0:04:56.680 she's actually right, that she's moving very slowly with this. 0:04:57.200 --> 0:05:00.400 And so next up, I told them that you should 0:05:00.400 --> 0:05:02.279 start to think about the team you're going to build. 0:05:02.400 --> 0:05:04.640 There should be some sort of financial team, because there 0:05:04.640 --> 0:05:08.799 are tax ramifications for this money. And so she actually, 0:05:08.800 --> 0:05:11.040 Granny's gonna be using Carlos. You know, Carlos are faved, 0:05:11.160 --> 0:05:14.200 so Carlos doose taxes for me and Mandy in our business. 0:05:14.880 --> 0:05:16.799 And so she's gonna be using Carlos, which is great, 0:05:17.320 --> 0:05:20.640 you know, I said, okay, because I trust Carlos implicitly. Second, 0:05:20.760 --> 0:05:23.080 I said, you know, because Grandy's in her seventies, you 0:05:23.080 --> 0:05:27.520 should also be thinking about estate planning, you know, And 0:05:27.560 --> 0:05:29.520 so God Willings shall be here another twenty years, but 0:05:29.560 --> 0:05:32.279 we don't know. So estate planning will help to figure out, well, 0:05:32.320 --> 0:05:34.680 what happens when I'm not here with this money. So 0:05:34.800 --> 0:05:38.359 I suggested my attorney, Tony Moore, who's amazing, you know, 0:05:38.440 --> 0:05:41.960 you know, Tony's my fave and so and then I said, third, 0:05:42.000 --> 0:05:46.279 and probably most important, a certified financial planner. And I 0:05:46.279 --> 0:05:48.920 explained the difference between a financial advisor, which is basically, 0:05:48.920 --> 0:05:51.440 anybody can be a financial advisor, but with a certified 0:05:51.440 --> 0:05:53.960 financial planner, you know, you have to pass pass a 0:05:53.960 --> 0:05:55.920 certain test, you have to be you work a certain 0:05:56.000 --> 0:05:58.640 number of years, you have to be a fiduciary. And 0:05:59.200 --> 0:06:02.120 so it's just a high tier of a financial advisor 0:06:02.160 --> 0:06:05.760 that you can get. And I suggested, because Granny does 0:06:05.800 --> 0:06:08.359 have some money, that you don't get a one that 0:06:08.400 --> 0:06:11.680 gets paid by percentage invested, that instead, it's a fee 0:06:11.720 --> 0:06:13.360 based one where you're just going to pay a fee, 0:06:13.760 --> 0:06:15.479 you know. And so he was like, okay, I said, 0:06:15.480 --> 0:06:17.400 so those are the three people on the team, and 0:06:17.440 --> 0:06:19.400 I said, you know, and so the two of them 0:06:19.680 --> 0:06:21.960 are good to go. The financial planner one is a 0:06:21.960 --> 0:06:25.040 little harder, so, you know, I use Angelie. She has 0:06:25.080 --> 0:06:27.640 a company called fit advisors, but Anjalie, as far as 0:06:27.640 --> 0:06:29.560 I know right now, is not. I emailed her, but 0:06:29.640 --> 0:06:31.719 as far as I know, she's not taking on new clients. 0:06:31.880 --> 0:06:33.560 But I did email her to ask if she can 0:06:33.600 --> 0:06:36.400 give a referral, you know. So that's one of the 0:06:36.400 --> 0:06:38.880 best ways if you're looking for a financial planner to like, 0:06:39.000 --> 0:06:42.240 you know, ask people who have financial planners, you know, 0:06:42.279 --> 0:06:44.359 how they like them and everything else. Like I interviewed Helen, 0:06:44.520 --> 0:06:47.000 so I had I interviewed like twenty financial planners when 0:06:47.040 --> 0:06:49.120 I was looking. So Helen was the one that came 0:06:49.160 --> 0:06:51.760 from Maddy. I know, I was really I was crazy, 0:06:52.240 --> 0:06:54.279 but like, but the top ones I came up with 0:06:54.440 --> 0:06:57.440 was Helen, your financial planner. Helen was excellent. I loved her. 0:06:57.800 --> 0:07:02.120 A Jalie And there was another woman named Amy, something 0:07:02.160 --> 0:07:04.480 around Amy Irving or something like that. So I didn't 0:07:04.520 --> 0:07:08.000 choose Amy because Amy only did individuals, but meaning like 0:07:08.040 --> 0:07:11.080 I needed somebody who also worked with people who had businesses, yeah, 0:07:11.480 --> 0:07:13.400 you know, And so Amy was like, oh, she's great, 0:07:13.680 --> 0:07:15.520 but she wasn't a fit for that. I was like, okay, 0:07:15.640 --> 0:07:17.520 out of the twenty I loved her, she wasn't a fit. 0:07:17.840 --> 0:07:21.120 But then then so between Helen and Angelie, and of 0:07:21.160 --> 0:07:22.920 course they know each other because honestly, the top people 0:07:22.920 --> 0:07:24.600 in the field always know each other, and they both 0:07:24.760 --> 0:07:29.040 like they're both awesome. I ended up choosing angel because 0:07:29.120 --> 0:07:31.680 there was something, oh you know what, because Angelie was 0:07:31.720 --> 0:07:34.640 not only a CFP as Certified Financial Planner, she was 0:07:34.680 --> 0:07:39.160 a CPA. She's a certified Public accountant as well. And 0:07:39.640 --> 0:07:42.680 I was yes, because we were going through and I'm 0:07:42.680 --> 0:07:45.600 still paying taxes from twenty eighteen because mistakes I made, 0:07:46.000 --> 0:07:49.520 so I needed help with her working on alongside my 0:07:50.520 --> 0:07:53.640 my accountant that I use, but also like looking at 0:07:53.640 --> 0:07:56.920 my finances, like my business finances and my personal finances 0:07:57.000 --> 0:07:59.000 and the tax stuff. So that is why I chose 0:08:00.040 --> 0:08:03.360 to lead, because I needed that text thing. So anyway, 0:08:03.360 --> 0:08:05.320 I say all that to say that like that's the 0:08:05.400 --> 0:08:09.320 team and so hopefully you know with that team because 0:08:09.320 --> 0:08:10.640 even with my friend, I didn't want to tell this 0:08:10.680 --> 0:08:12.000 to my friend, but I want to be like, girl, 0:08:12.480 --> 0:08:15.960 Granny is not wrong, becausis what do you like? This 0:08:16.040 --> 0:08:17.360 is not what you do. This is not what I 0:08:17.360 --> 0:08:19.120 even do. And I told because she wanted me to 0:08:19.160 --> 0:08:21.200 be the financial If I'm like, well that's not I'm 0:08:21.200 --> 0:08:23.400 not certified in that, you know, and your granny is 0:08:23.520 --> 0:08:25.760 right because you look, you're coming to me thinking that 0:08:25.840 --> 0:08:27.760 I can do a thing that I'm not capable of doing, 0:08:28.400 --> 0:08:30.720 you know, and I'm not. I'm not. I don't have 0:08:30.760 --> 0:08:33.880 the license to do. And so like, Granny's actually right, 0:08:33.920 --> 0:08:36.040 and hopefully with these three people on the team, they 0:08:36.080 --> 0:08:38.800 can help Granny choose what she wants to do. Because 0:08:39.120 --> 0:08:41.080 I'm not gonna lie. I don't think my friend listens 0:08:41.080 --> 0:08:43.480 to the Black Ghost sis. If you do, I'm sorry, girl, 0:08:43.600 --> 0:08:46.800 but not sorry. I'm not gonna lie. A lot of 0:08:46.800 --> 0:08:48.760 the choices that it south that the family is making 0:08:48.840 --> 0:08:51.040 is about like what's going to be best for all 0:08:51.080 --> 0:08:54.640 of us, which that's I understand, you know, and I'm 0:08:54.640 --> 0:08:58.400 not there's something wrong with that. But honestly, this is 0:08:58.520 --> 0:09:02.640 Granny's money, yeah, and she has to be prioritized above 0:09:02.679 --> 0:09:05.360 all else. So we have to make sure that Granny 0:09:05.400 --> 0:09:07.520 has a place to live, that she feels safe, that 0:09:07.600 --> 0:09:11.120 she never has to work again, that she's fine because 0:09:11.120 --> 0:09:12.920 she was getting she had the house was like a 0:09:12.920 --> 0:09:16.000 three or four family house, so she you know, she 0:09:16.040 --> 0:09:17.880 was getting income from that and living off of that, 0:09:18.360 --> 0:09:19.920 you know, as well as paying off the you know, 0:09:20.000 --> 0:09:22.840 the reverse mortgage they have tricked her into. And so 0:09:22.960 --> 0:09:25.960 that to me, when I talk with Granny is going 0:09:26.000 --> 0:09:30.200 to be my focus to say, here's my suggestion, which 0:09:30.280 --> 0:09:32.760 is here are the three people that are going to 0:09:32.840 --> 0:09:35.800 help you decide how best to get to what you 0:09:35.880 --> 0:09:38.599 want to happen. Now, if that's the least stuff for 0:09:38.600 --> 0:09:40.560 your grandkids or whatever, great, but if it's not, that's 0:09:40.559 --> 0:09:44.440 your business, you know. And so yeah, so it's just 0:09:44.480 --> 0:09:46.400 interesting that, like, you know, I was like, oh my gosh, 0:09:46.440 --> 0:09:49.080 it's I felt like real life brown ambision, you know, like, yeah, 0:09:49.120 --> 0:09:49.439 I do. 0:09:50.240 --> 0:09:52.440 Yeah, I love that. It's kind of like what happens. 0:09:52.480 --> 0:09:56.199 I mean, like, let's say I broke my foot and 0:09:56.760 --> 0:09:59.600 you know, a very particular kind of like bad injury. 0:09:59.600 --> 0:10:02.160 I would go to a general practitioner. Like that's the 0:10:02.240 --> 0:10:04.559 point when you want to find someone who is an 0:10:04.600 --> 0:10:07.679 expert in broken feet, Like what is that a doctor 0:10:07.760 --> 0:10:10.400 or podiatrist? I don't know, yeah, podiatiss But yeah, I 0:10:10.400 --> 0:10:12.480 mean you would be interviewing trying to find the best 0:10:12.520 --> 0:10:16.360 specialist because that is a serious, it's a big issue 0:10:16.440 --> 0:10:19.400 and you need a specific you need a specific, specific 0:10:19.480 --> 0:10:22.640 kind of expertise, and it's different than finding people who 0:10:22.640 --> 0:10:24.720 know a little bit about stuff, like maybe your general 0:10:24.760 --> 0:10:27.280 practitioner can refer you just like you did, Like you're 0:10:27.320 --> 0:10:29.440 kind of like a general practitioner here. You're referring her 0:10:29.559 --> 0:10:33.320 to the specialists who who live and breed this, who 0:10:33.679 --> 0:10:36.160 all they do is foot surgery day in and day out. 0:10:36.280 --> 0:10:38.360 That's who you want like operating on your foot. 0:10:38.440 --> 0:10:38.640 Right. 0:10:39.559 --> 0:10:41.800 So it sounds like, I mean, regardless, sounds like she's 0:10:41.800 --> 0:10:44.240 in great hands that you'll get to sit with her. 0:10:44.600 --> 0:10:47.160 But I mean I almost was thinking about one point 0:10:47.200 --> 0:10:50.400 two million dollars sitting in a savings account. It's it's 0:10:50.440 --> 0:10:52.920 like way over that two hundred and fifty thousand dollars 0:10:53.360 --> 0:10:58.240 limit for coverage under FDIC insurance. So that's the point 0:10:58.240 --> 0:11:00.679 where you definitely want to, you know, if spread it, 0:11:00.800 --> 0:11:03.960 spread it among several bank accounts, unless you have a 0:11:04.000 --> 0:11:07.160 spouse and then you get like double the coverage, the 0:11:07.240 --> 0:11:09.800 double the coverage. But that was my first thought, like, Okay, 0:11:09.880 --> 0:11:11.120 we need to like spread this out. 0:11:11.280 --> 0:11:13.880 Some of this is that Granny's gonna be like, what 0:11:14.160 --> 0:11:15.959 all these accounts? So I'm gonna see when I be 0:11:16.120 --> 0:11:18.079 with her how she Because I said, like, you know, 0:11:18.120 --> 0:11:20.040 we're gonna start with this. And if I explain it 0:11:20.040 --> 0:11:22.560 to her and she because she's sound, she's sharp. So 0:11:23.320 --> 0:11:24.960 if I explain it to her that like, this is 0:11:25.000 --> 0:11:26.920 what you should do at bare minimum for now, but 0:11:26.960 --> 0:11:29.120 ideally you should do this, and she's like ooh, says 0:11:29.120 --> 0:11:31.679 say less, then you know we're gonna work on that. 0:11:31.720 --> 0:11:34.040 But if she's like, I'm not doing all that, baby, 0:11:34.760 --> 0:11:36.240 then I'm gonna be like, what at the very least, 0:11:36.280 --> 0:11:38.720 you know, put it here. Butever, I was, honestly I 0:11:38.760 --> 0:11:40.960 was thinking about that, like, oh, like it really should 0:11:41.000 --> 0:11:42.920 be like broken up. It's a pieces, but I don't 0:11:42.920 --> 0:11:43.800 know how open she's. 0:11:43.960 --> 0:11:44.679 She can handle it? 0:11:45.200 --> 0:11:47.520 Yeah, right? And is it does? 0:11:47.679 --> 0:11:50.319 Is it separate accounts? I'm trying to think what all 0:11:50.360 --> 0:11:54.560 the particular requirements are. Is it up to each account 0:11:54.640 --> 0:11:57.640 at each institution or can you have multiple accounts and 0:11:57.679 --> 0:12:00.839 each account gets that same coverage the FDA C You know. 0:12:00.920 --> 0:12:03.160 That's that's a good question. I'm gonna look that in up. 0:12:03.679 --> 0:12:05.000 I used to know that like the back of my 0:12:05.040 --> 0:12:07.199 hand when that's what I did every day when I 0:12:07.240 --> 0:12:09.600 was at a content director for a financial brand, Like 0:12:09.600 --> 0:12:12.679 we would write those really nuanced like the only there' 0:12:12.720 --> 0:12:15.280 shit that people want to google. And so I used 0:12:15.280 --> 0:12:16.040 to know that, but I. 0:12:16.000 --> 0:12:18.760 Don't know here it is. I'm on FDIC dot gov. 0:12:19.360 --> 0:12:23.000 So the standard assured the standard insurance amount is two 0:12:23.080 --> 0:12:27.360 hundred and fifty thousand dollars per depositor, per insured bank, 0:12:28.320 --> 0:12:33.160 per each account. Yeah, for each account ownership category. Okay. 0:12:33.200 --> 0:12:36.520 The FDIC provides separate covers for deposits holls in different accounts. Oh, 0:12:36.520 --> 0:12:40.200 different account ownership count So it might be that it 0:12:40.200 --> 0:12:42.120 could be a checking and a saving. That's what it's 0:12:42.120 --> 0:12:47.520 sounding like. And a's CD yeah, yes, yeah, oh see, Okay, 0:12:47.559 --> 0:12:49.880 here it is again. So from the FDI c as well, 0:12:49.880 --> 0:12:53.600 the FDIC adds up all single accounts owned by the 0:12:53.640 --> 0:12:56.440 same person at the same bank and insures the total 0:12:56.520 --> 0:12:58.800 up to two fifty. So the FDI is like, you 0:12:58.840 --> 0:13:01.600 can have six Sames accounts, but you tried it. That's 0:13:01.640 --> 0:13:02.840 not how that goes if you're going to have to 0:13:02.840 --> 0:13:03.920 have six different things. 0:13:03.960 --> 0:13:08.319 So we all know, mo money more problems, granny, yes, but. 0:13:08.320 --> 0:13:10.560 Yeah, So I mean, here's what I'm happy about. That 0:13:10.640 --> 0:13:12.080 Grant is not gonna have to work anymore and they 0:13:12.080 --> 0:13:12.839 should just all breathe this. 0:13:13.080 --> 0:13:16.160 That's the key. And one point two million is is 0:13:16.200 --> 0:13:18.720 a lot of money. But when you have another twenty 0:13:18.800 --> 0:13:21.400 something years and I know Granny takes care of herself 0:13:21.520 --> 0:13:23.760 and I'm sure she does her walks and she's very healthy, 0:13:25.120 --> 0:13:28.280 you need like that's that's just enough. I feel like 0:13:28.280 --> 0:13:30.400 if you do it right, yep, but if you do 0:13:30.440 --> 0:13:33.040 it wrong, that can disappear. Like it makes me think 0:13:33.040 --> 0:13:36.520 of then that documentary that you know, your documentary that 0:13:36.600 --> 0:13:39.640 you were filmed, then get smart with money streaming on 0:13:39.679 --> 0:13:43.600 Netflix now the top forty of all Netflix New movies anyway. 0:13:43.679 --> 0:13:49.000 That Ross Mack his makeover person, well I forget his name, 0:13:49.000 --> 0:13:51.520 but he was a football player, Tease. His name is Tease, 0:13:51.880 --> 0:13:55.360 the football player who like got those you know, million 0:13:55.440 --> 0:13:57.920 dollar contracts in the NFL and then just was like, 0:13:58.040 --> 0:14:01.040 oh dang, A couple of chains, a couple houses later 0:14:01.880 --> 0:14:05.800 and he had like barely anything left, you know. So yeah, 0:14:05.880 --> 0:14:08.000 that's what we don't want for Granny. 0:14:08.200 --> 0:14:09.760 Because I was thinking I was thinking that too. I 0:14:09.800 --> 0:14:11.840 was like, I don't know that there's gonna be a 0:14:11.840 --> 0:14:13.600 lot left over for you if that's what you're wanting. 0:14:13.640 --> 0:14:16.160 I just like, you know, a million doesn't do what 0:14:16.200 --> 0:14:16.720 it used to do. 0:14:17.320 --> 0:14:20.760 Yeah, they need to have to just take a lesson 0:14:20.760 --> 0:14:23.000 from Granny and you know, maybe invest in some real 0:14:23.080 --> 0:14:25.800 estate and hold on to it for fifty years. 0:14:26.360 --> 0:14:28.600 I know. Granny's like, I don't know about y'all, but 0:14:28.600 --> 0:14:31.360 we I'm gonna be I I said, I can't wait 0:14:31.360 --> 0:14:33.200 to meet here and I'll give you like an update. 0:14:33.280 --> 0:14:35.000 I have a feeling that she's sassy because she sounds 0:14:35.040 --> 0:14:37.560 like he's sassy. You know. I feel like old black 0:14:37.600 --> 0:14:39.000 women get to that point where they're like, I say 0:14:39.000 --> 0:14:40.960 what I want. I love the fact she's saved y'all. 0:14:41.200 --> 0:14:43.080 Y'all know so much about money, Why y'all ain't rich? 0:14:43.120 --> 0:14:44.800 I was like, she's my kind of lady. 0:14:45.440 --> 0:14:47.400 I bet they're still going to get those birthday cards 0:14:47.400 --> 0:14:49.160 that have like a single five dollar bill in it. 0:14:49.440 --> 0:14:53.040 Be like, damn it, Granny, how do you think she 0:14:53.080 --> 0:14:57.120 became a millionaire exactly? You know? Yeah, speaking of which, 0:14:57.200 --> 0:15:00.160 I have a two thousand dollars savings bond that my 0:15:00.200 --> 0:15:03.840 grandma gave to me still waiting for me somewhere in 0:15:03.880 --> 0:15:06.000 Georgia that I need to claim. It came up in 0:15:06.040 --> 0:15:07.680 like one of the you know, like those you can 0:15:07.720 --> 0:15:11.280 go to unclaimed property websites, and I found out my 0:15:11.400 --> 0:15:14.160 uncle had done that for her estate, like she's been 0:15:14.200 --> 0:15:17.160 passed now for over ten years, and he's like, Mandy, 0:15:17.160 --> 0:15:19.760 are you gonna come get this, And I'm like, ah, yeah, 0:15:19.840 --> 0:15:20.680 I need to do that. 0:15:21.440 --> 0:15:23.480 Yeah, those things are that's a great We have to 0:15:23.520 --> 0:15:25.360 we have to find a link for that, because I 0:15:25.560 --> 0:15:28.280 found I was old. I got the first check for 0:15:28.320 --> 0:15:31.400 like one hundred and eighty and then apparently when I 0:15:31.440 --> 0:15:34.600 lost my house to the foreclosure, there was a there 0:15:34.640 --> 0:15:37.160 was a balance between what I paid and what the 0:15:37.160 --> 0:15:39.200 house was so or something to that effect, and it 0:15:39.240 --> 0:15:41.640 was like nine hundred dollars, and so I have to 0:15:41.640 --> 0:15:43.680 get the check for that. I found. I couldn't believe. 0:15:43.680 --> 0:15:46.600 And here's the thing. I had checked that unclaimed whatever. 0:15:46.640 --> 0:15:48.040 I can't remember the name of the website. I had 0:15:48.120 --> 0:15:50.120 checked it some years back. That wasn't on there. So 0:15:50.160 --> 0:15:52.760 I guess years later there finally was some sort of 0:15:52.800 --> 0:15:55.760 reconciliation and I'm old, like, nine hundred dollars from Chase Bank, 0:15:55.960 --> 0:15:58.280 you owe me. Matter of fact, I go speak for 0:15:58.320 --> 0:15:59.960 them Detroit next week. I said to be like, can 0:15:59.960 --> 0:16:02.200 I just get home put that on top of the money. 0:16:02.560 --> 0:16:06.520 Yeah, oh man, that's great. Yeah, we're gonna put that 0:16:06.560 --> 0:16:08.080 in the show link. We'll find the right link. It's 0:16:08.080 --> 0:16:11.880 something like Unclaimed Funds dot go or something something like that. 0:16:12.160 --> 0:16:13.840 But that's a good reminder that there may be money 0:16:13.840 --> 0:16:16.440 out there for you guys. All right, Well in Mandy 0:16:16.480 --> 0:16:19.280 money Land, I am very very excited and Tiff, like, 0:16:19.440 --> 0:16:20.800 you're going to be in the hot seat on this 0:16:20.840 --> 0:16:23.360 week's B a Q and A episode, y'all. Last week, 0:16:23.400 --> 0:16:26.000 Tif got to pepper me with her questions about negotiating 0:16:26.000 --> 0:16:28.680 her rates. This week, as a baby business owner, I 0:16:28.720 --> 0:16:30.680 get to ask tiffany lots and lots of questions too. 0:16:31.640 --> 0:16:34.720 But I had offline tip Tiff, and I already I'm 0:16:34.760 --> 0:16:37.080 already like peppering her with those types of questions. So 0:16:37.600 --> 0:16:40.880 Tiff helped me with my epiphany about this webinar that 0:16:40.920 --> 0:16:43.280 I wanted to hold because I had been thinking of 0:16:43.440 --> 0:16:45.920 I've been doing and I've done three webinars so far, 0:16:46.680 --> 0:16:48.080 and I always want to like pack a lot of 0:16:48.120 --> 0:16:50.080 value into them, but I feel like I'm just like 0:16:50.120 --> 0:16:53.680 covering so much and the themes are very broad. So Tiff, 0:16:53.720 --> 0:16:55.600 I know we were talking and you helped me just 0:16:55.680 --> 0:16:59.560 focus in and talk about negotiating. So and then one 0:16:59.640 --> 0:17:04.000 SiZ start to just focus my teaching and my methods 0:17:04.200 --> 0:17:08.520 just on salary negotiation. I got so excited and that 0:17:08.640 --> 0:17:13.560 free free masterclass nailed and nail your negotiation. It's going 0:17:13.600 --> 0:17:18.000 to be next Tuesday, September twenty seven at eight pm Eastern. 0:17:18.520 --> 0:17:21.320 Seating is limited. I just announced it last night, so 0:17:21.480 --> 0:17:25.040 this was Sunday night. We're recording on Monday, and already 0:17:25.040 --> 0:17:28.040 over two hundred people have signed up. There's only going 0:17:28.119 --> 0:17:30.480 to be five hundred live seats, y'all. And my goal 0:17:30.560 --> 0:17:34.480 is to get fifteen hundred registered because not everybody is gonna, 0:17:34.480 --> 0:17:37.320 you know, show up, because we know how y'all be anyway. 0:17:37.640 --> 0:17:40.639 So I already see just based on the fact that 0:17:40.720 --> 0:17:43.679 already two hundred have registered, and that's just for me 0:17:43.840 --> 0:17:46.480 emailing my list and posting a little bit on my stories, 0:17:47.080 --> 0:17:49.600 like I'm like, okay, tif Noel the thing or two 0:17:49.840 --> 0:17:53.760 tif No' is the project about specificity just a little 0:17:53.760 --> 0:17:54.760 fifteen years in the game. 0:17:54.840 --> 0:17:57.359 Now, now here's a question what if I was going 0:17:57.440 --> 0:17:58.679 to register? Where do I where do I go to 0:17:58.680 --> 0:17:59.119 register with? 0:17:59.400 --> 0:17:59.960 You're gonna love this? 0:18:00.840 --> 0:18:03.080 You see what I'm doing to you. I'm not talking 0:18:03.080 --> 0:18:04.240 man to get that damn domain. 0:18:04.320 --> 0:18:07.160 Man, get that domain, you can go to nail your 0:18:07.320 --> 0:18:10.480 negotiation dot com see you. 0:18:10.480 --> 0:18:12.600 For ten dollars. You make it easy for people to 0:18:12.600 --> 0:18:12.959 find it. 0:18:13.000 --> 0:18:13.160 Now. 0:18:13.160 --> 0:18:14.720 It's a negotiation with the S. 0:18:14.800 --> 0:18:19.320 Or no S. Nail your negotiation. Don't do the said 0:18:19.320 --> 0:18:21.080 an S at the end of Kroger's. There's no S 0:18:21.280 --> 0:18:24.600 on the end of Kroger, y'all, So just nail your negotiation. 0:18:25.840 --> 0:18:27.320