1 00:00:06,080 --> 00:00:09,559 Speaker 1: It's time for the b a q a A the 2 00:00:09,680 --> 00:00:12,039 Speaker 1: b a q a what you say the b a 3 00:00:12,400 --> 00:00:16,160 Speaker 1: qa just tiffan a the b a q a man 4 00:00:16,239 --> 00:00:20,680 Speaker 1: day had he babbey and his name is Remy. Give 5 00:00:20,840 --> 00:00:24,000 Speaker 1: this girl a record deal because I'm vi. I'm ready 6 00:00:24,040 --> 00:00:27,720 Speaker 1: for prime time. We are. This is vaqa. We don't 7 00:00:27,720 --> 00:00:30,720 Speaker 1: have Mandy today because Mandy had the baby, the baby, 8 00:00:30,840 --> 00:00:33,960 Speaker 1: the baby. Mandy had the baby, and he is so beautiful. 9 00:00:34,040 --> 00:00:37,080 Speaker 1: If you follow her Mandy with an I money on 10 00:00:37,240 --> 00:00:40,639 Speaker 1: the ig, you will see a picture of her most beautiful, 11 00:00:40,640 --> 00:00:44,440 Speaker 1: amazing baby. So now she's got two, she's got Rio 12 00:00:44,600 --> 00:00:47,800 Speaker 1: and she's got Remy. We love an alliteration queen around 13 00:00:47,880 --> 00:00:50,040 Speaker 1: these parts. So as a result, I'm here to act 14 00:00:50,080 --> 00:00:52,479 Speaker 1: up all by myself and lonesome, but I'm gonna represent 15 00:00:52,520 --> 00:00:55,640 Speaker 1: well for you, Mandy. Don't you worry, Sis, We're still 16 00:00:55,640 --> 00:00:59,400 Speaker 1: doing baqa. So we are going to take your questions 17 00:00:59,560 --> 00:01:02,440 Speaker 1: because I have some answers. But remember I'm not your 18 00:01:03,440 --> 00:01:05,640 Speaker 1: financial planner. I'm not your doctor, I'm not your attorney. 19 00:01:05,680 --> 00:01:08,120 Speaker 1: I'm not anybody that you give money to in order 20 00:01:08,120 --> 00:01:10,760 Speaker 1: to answer your question. So that means sue somebody else. 21 00:01:11,319 --> 00:01:13,480 Speaker 1: Take what I say with the smallest of smallest of 22 00:01:13,480 --> 00:01:16,600 Speaker 1: grains of salt and be well right. First question is 23 00:01:16,640 --> 00:01:19,640 Speaker 1: a Mulah question and straight from the IG. So if 24 00:01:19,640 --> 00:01:21,720 Speaker 1: you've got questions honestly, you can hit us up Brian 25 00:01:21,760 --> 00:01:25,760 Speaker 1: and Bisson podcast on IG the BA podcast on Twitter, 26 00:01:26,240 --> 00:01:30,160 Speaker 1: Briannabisson podcast dot com and click click contact us or 27 00:01:30,200 --> 00:01:33,360 Speaker 1: ask us anything and we take questions all over the place. 28 00:01:33,640 --> 00:01:37,120 Speaker 1: This is a quick one. Hey ladies, I've been listening 29 00:01:37,120 --> 00:01:39,679 Speaker 1: for a while now and I love your advice. Okay, 30 00:01:40,480 --> 00:01:43,200 Speaker 1: I'm in need of some financial guidance. This year, I 31 00:01:43,280 --> 00:01:47,600 Speaker 1: have done a lot of work on my home roof, gutters, siding, bathroom. 32 00:01:48,000 --> 00:01:50,639 Speaker 1: It was all very much needed, but of course super 33 00:01:50,640 --> 00:01:54,560 Speaker 1: expensive and a big headache. So then I took my 34 00:01:54,640 --> 00:01:58,360 Speaker 1: family on a week long vacation to decompress. However, I 35 00:01:58,520 --> 00:02:03,640 Speaker 1: have not recovered since. Financially we are a family of five. 36 00:02:03,720 --> 00:02:07,480 Speaker 1: I'm assuming two partners and three children. I don't know, 37 00:02:08,400 --> 00:02:12,560 Speaker 1: and I feel like things have increased in price over time. 38 00:02:13,720 --> 00:02:17,359 Speaker 1: Should I take drastic measures and focus on getting rid 39 00:02:17,440 --> 00:02:20,919 Speaker 1: of loans or my credit card debt? I feel like 40 00:02:20,960 --> 00:02:23,200 Speaker 1: even though my credit score will go down by focusing 41 00:02:23,200 --> 00:02:26,400 Speaker 1: on the loans, it won't go down too much where 42 00:02:26,840 --> 00:02:30,840 Speaker 1: it won't be such a huge impact. What are your thoughts, Well, 43 00:02:30,880 --> 00:02:34,880 Speaker 1: we're going to call you new home. Who this new home? 44 00:02:35,160 --> 00:02:37,519 Speaker 1: Who this? Well, first of all, let's get clear that 45 00:02:38,520 --> 00:02:42,680 Speaker 1: your credit score is not just contingent upon your credit cards. 46 00:02:42,720 --> 00:02:45,280 Speaker 1: So let's just get clear on that your credit score 47 00:02:45,480 --> 00:02:48,640 Speaker 1: is contingent on any money that you borrowed, or any 48 00:02:48,639 --> 00:02:52,440 Speaker 1: money that you have not paid back. Right, So, if 49 00:02:52,480 --> 00:02:55,000 Speaker 1: you have not paid like say your PC and G 50 00:02:55,120 --> 00:02:57,760 Speaker 1: bill or whatever you know, cont or whatever utility bill 51 00:02:57,840 --> 00:02:59,560 Speaker 1: or whatever that you have, that might go on your 52 00:02:59,560 --> 00:03:01,360 Speaker 1: credit score because you have not paid that money that 53 00:03:01,400 --> 00:03:04,840 Speaker 1: you owe someone. But if you also borrow money, your 54 00:03:04,880 --> 00:03:07,519 Speaker 1: credit score is going to be reflective on how well 55 00:03:07,600 --> 00:03:09,640 Speaker 1: or how not well you pay that back. So your 56 00:03:09,680 --> 00:03:13,000 Speaker 1: loans and your credit card debt are both contributing to 57 00:03:13,000 --> 00:03:14,880 Speaker 1: your credit score. So I don't want you to think 58 00:03:14,919 --> 00:03:17,600 Speaker 1: that like, oh, if I don't prioritize my credit card 59 00:03:17,600 --> 00:03:21,400 Speaker 1: debt and I prioritize these loans, then you know that 60 00:03:21,520 --> 00:03:24,120 Speaker 1: somehow they don't both contribute to your credit score, because 61 00:03:24,160 --> 00:03:27,000 Speaker 1: they do. So if the question is should I focus 62 00:03:27,040 --> 00:03:30,720 Speaker 1: on credit card debt or the loans, the answer is 63 00:03:30,919 --> 00:03:37,760 Speaker 1: It depends like the adult diapers, It depends, right, because 64 00:03:37,920 --> 00:03:40,800 Speaker 1: it depends on who you are and how you are. So, 65 00:03:41,080 --> 00:03:46,680 Speaker 1: for example, if you're someone who is emotionally charged by 66 00:03:46,760 --> 00:03:50,320 Speaker 1: their finances, you might want to pay off whatever debt 67 00:03:51,160 --> 00:03:54,560 Speaker 1: is the least expensive debt so you can get rid 68 00:03:54,560 --> 00:03:57,160 Speaker 1: of it sooner. So let's just say you've got three loans, 69 00:03:57,200 --> 00:04:01,240 Speaker 1: you've got three credit cards right and own one two three, 70 00:04:01,360 --> 00:04:04,440 Speaker 1: one hundred, two hundred, three hundred, four five six four hundred, 71 00:04:04,480 --> 00:04:06,160 Speaker 1: five hundred, six hundred, and you're like, you know what, 72 00:04:06,240 --> 00:04:08,480 Speaker 1: I'm gonna focus on paying off the loans or paying 73 00:04:08,480 --> 00:04:10,960 Speaker 1: off the debt that I owe that has the smallest 74 00:04:11,320 --> 00:04:13,760 Speaker 1: balance first. I'm gonna pay off that one hundred dollars 75 00:04:13,840 --> 00:04:15,640 Speaker 1: debt first, and then I'm gonna work on the two hundred, 76 00:04:15,680 --> 00:04:17,920 Speaker 1: then the three hundred, then the four hundred, five hundred 77 00:04:17,920 --> 00:04:20,960 Speaker 1: and six hundred. So if you're someone who needs that 78 00:04:21,120 --> 00:04:24,159 Speaker 1: like extra boost of confidence that comes with paying off 79 00:04:24,160 --> 00:04:28,159 Speaker 1: debt and the smaller debt first, then certainly you could 80 00:04:28,160 --> 00:04:30,760 Speaker 1: do that. You could use a method called the snowball method. 81 00:04:31,040 --> 00:04:33,400 Speaker 1: That's when you list your debt from the lowest to 82 00:04:33,640 --> 00:04:37,320 Speaker 1: highest and you basically pay that minimum to everybody except 83 00:04:37,360 --> 00:04:40,320 Speaker 1: for that lowest debt. The lowest debt, you pay it 84 00:04:40,320 --> 00:04:44,440 Speaker 1: it's minimum, plus you give it any extra money that 85 00:04:44,520 --> 00:04:46,360 Speaker 1: used to give to other debts. So let's just say 86 00:04:46,360 --> 00:04:49,000 Speaker 1: it's minimum, and you find another two hundred dollars that 87 00:04:49,080 --> 00:04:51,480 Speaker 1: you can put toward that debt. So by the first 88 00:04:51,520 --> 00:04:53,080 Speaker 1: month you'll get rid of that first debt because it's 89 00:04:53,080 --> 00:04:55,960 Speaker 1: only one hundred dollars anyway. Then you roll over that 90 00:04:56,080 --> 00:04:59,159 Speaker 1: full payment to the second lowest debt. The second lowest 91 00:04:59,200 --> 00:05:02,120 Speaker 1: debt is going to get first lowest debts minimum. It's 92 00:05:02,160 --> 00:05:05,000 Speaker 1: gonna get its own minimum plus that extra two hundred 93 00:05:05,000 --> 00:05:06,800 Speaker 1: dollars you have from your budget, so it's gonna get 94 00:05:06,839 --> 00:05:09,240 Speaker 1: like three payments in one and when that's paid off, 95 00:05:09,279 --> 00:05:11,240 Speaker 1: you roll over to the thud level's debt and you 96 00:05:11,320 --> 00:05:15,160 Speaker 1: continue until you pay it off. The benefit to paying 97 00:05:15,200 --> 00:05:17,599 Speaker 1: off via the snowball method is as you get to 98 00:05:17,760 --> 00:05:20,880 Speaker 1: debt with higher and higher balances, you start to collect 99 00:05:21,040 --> 00:05:24,520 Speaker 1: minimum payments from prior debts that you've paid off along 100 00:05:24,560 --> 00:05:27,839 Speaker 1: the way. You see. So that's if you're someone who 101 00:05:27,880 --> 00:05:31,159 Speaker 1: was like like me, I need to emotion emotionally check 102 00:05:31,200 --> 00:05:33,320 Speaker 1: things off my list, so I like the snowball method 103 00:05:33,400 --> 00:05:36,400 Speaker 1: to start. Now, if you're someone who's just super logical, 104 00:05:36,440 --> 00:05:38,240 Speaker 1: let's just say you have this accounting kind of brain, 105 00:05:38,560 --> 00:05:41,120 Speaker 1: mathematical brain, you might want to do something called the 106 00:05:41,320 --> 00:05:45,120 Speaker 1: avalanche method and pay off the debt first that's costing 107 00:05:45,160 --> 00:05:47,600 Speaker 1: you the most. And you know a debt is costing 108 00:05:47,640 --> 00:05:51,520 Speaker 1: you the most because the interest rate is highest. So 109 00:05:51,560 --> 00:05:54,640 Speaker 1: you're gonna do that same method, paying off one debt 110 00:05:54,640 --> 00:05:56,760 Speaker 1: at a time while paying the minimum to everything else. 111 00:05:57,040 --> 00:05:59,480 Speaker 1: But instead of the lowest debt being paid off first, 112 00:05:59,760 --> 00:06:02,200 Speaker 1: it's the debt with the highest interest rate that's going 113 00:06:02,240 --> 00:06:04,040 Speaker 1: to be paid off first, because the debt with the 114 00:06:04,120 --> 00:06:07,119 Speaker 1: highest interest rate is the debt that's costing you the most. 115 00:06:07,320 --> 00:06:08,760 Speaker 1: So if you have a debt with like a thirty 116 00:06:08,800 --> 00:06:10,599 Speaker 1: percent interest rate and then you have a debt with 117 00:06:10,640 --> 00:06:13,120 Speaker 1: a five percent interest rate, you might say, you know what, 118 00:06:13,160 --> 00:06:15,000 Speaker 1: I'm actually going to focus on the thirty percent interest 119 00:06:15,080 --> 00:06:17,800 Speaker 1: rate first debt first, because that debt is costing me 120 00:06:17,839 --> 00:06:19,919 Speaker 1: a lot of money. For every dollar I owe them, 121 00:06:19,960 --> 00:06:22,440 Speaker 1: they talking me thirty cents, you know, oh, child, So 122 00:06:22,520 --> 00:06:25,480 Speaker 1: I like to do sometimes a mix of snowball and avalanche. 123 00:06:25,600 --> 00:06:27,480 Speaker 1: So I like to see what debt can I pay 124 00:06:27,480 --> 00:06:31,440 Speaker 1: off fairly quickly first, relatively speaking, and then slowly move 125 00:06:31,520 --> 00:06:34,640 Speaker 1: toward debt that's costing me more money because the interest 126 00:06:34,720 --> 00:06:37,880 Speaker 1: rate is higher. So that's what I would do. Ooh, 127 00:06:37,960 --> 00:06:40,880 Speaker 1: but I would definitely set a plan. I would also 128 00:06:41,160 --> 00:06:45,680 Speaker 1: automate those payments and check in with it monthly. And 129 00:06:45,880 --> 00:06:48,400 Speaker 1: good luck to you, but you know you definitely want to. 130 00:06:48,440 --> 00:06:50,200 Speaker 1: You know, you've gone on your vacation. You have your 131 00:06:50,200 --> 00:06:53,040 Speaker 1: beautiful house, so sit down and enjoy it while you 132 00:06:53,080 --> 00:06:54,719 Speaker 1: start to pay off some of this debt that you owe, 133 00:06:55,080 --> 00:06:57,320 Speaker 1: because one of the best ways to give your family 134 00:06:57,360 --> 00:06:58,920 Speaker 1: a raise is to get rid of debt so you 135 00:06:58,920 --> 00:07:02,200 Speaker 1: don't have to make that monthly pay All right, new house, 136 00:07:02,240 --> 00:07:05,680 Speaker 1: who is okay? Hopefully that was helpful. Hopefully that was youthful. 137 00:07:06,040 --> 00:07:09,640 Speaker 1: Useful because I'm youthful, but hopefully that was useful because 138 00:07:09,680 --> 00:07:10,960 Speaker 1: I know what it is like. I mean, I have 139 00:07:11,040 --> 00:07:14,880 Speaker 1: been nearly three hundred thousand dollars in debt my condo 140 00:07:15,000 --> 00:07:16,680 Speaker 1: at the time I was in my twenties. I bought 141 00:07:16,680 --> 00:07:19,400 Speaker 1: it for two twenty. Then I just finished my masters 142 00:07:19,720 --> 00:07:21,760 Speaker 1: and I was like fifty two thousand dollars give or 143 00:07:21,800 --> 00:07:25,560 Speaker 1: take my master's in education and then I had thirty 144 00:07:25,560 --> 00:07:29,760 Speaker 1: five thousand dollars in credit card debt, which was a 145 00:07:29,800 --> 00:07:33,800 Speaker 1: lot because of a scam that I unfortunately stumbled into, 146 00:07:34,240 --> 00:07:36,000 Speaker 1: and so it left me, you know, about three hundred 147 00:07:36,040 --> 00:07:40,320 Speaker 1: thousand dollars in debt and it was really scary. So 148 00:07:40,360 --> 00:07:43,280 Speaker 1: I know how overwhelming debt can be. And it seems 149 00:07:43,360 --> 00:07:46,960 Speaker 1: like it's like something that you can't get past. But 150 00:07:47,120 --> 00:07:49,760 Speaker 1: I promise you know that it's one foot in front 151 00:07:49,760 --> 00:07:52,880 Speaker 1: of the other. It's writing down who you owe, how much, 152 00:07:52,960 --> 00:07:55,120 Speaker 1: and what are the terms of the how much, and 153 00:07:55,160 --> 00:07:58,360 Speaker 1: then slowly working your way through it. I was able to. 154 00:07:58,840 --> 00:08:01,480 Speaker 1: I had foreclosures, so kind of like the debt from 155 00:08:01,520 --> 00:08:04,800 Speaker 1: the comb was wiped away because during that time, because 156 00:08:04,840 --> 00:08:09,600 Speaker 1: it was the recession, they didn't make us pay Typically, 157 00:08:09,600 --> 00:08:12,880 Speaker 1: when you lose a home to foreclosure the debt that 158 00:08:12,920 --> 00:08:14,840 Speaker 1: you owe, you might still have to pay taxes on 159 00:08:14,880 --> 00:08:18,640 Speaker 1: the money forgiven, which is who horrendous. But thankfully I 160 00:08:18,680 --> 00:08:20,360 Speaker 1: didn't have to pay taxes on the two twenty because 161 00:08:20,400 --> 00:08:22,640 Speaker 1: it was like I think President Obama or somebody at 162 00:08:22,680 --> 00:08:24,360 Speaker 1: that time had put a law in place saying you 163 00:08:24,400 --> 00:08:27,200 Speaker 1: don't have to pay taxes on that money forgiven. Thank God, 164 00:08:27,240 --> 00:08:30,239 Speaker 1: because imagine paying thirty percent taxes on two hundred and twenty 165 00:08:30,200 --> 00:08:33,040 Speaker 1: thousand dollars. That's over sixty thousand dollars. Your girl didn't 166 00:08:33,040 --> 00:08:35,240 Speaker 1: have the two hundred. How I have the sixty, you know. 167 00:08:35,720 --> 00:08:37,160 Speaker 1: So that was one I was able to get rid 168 00:08:37,200 --> 00:08:39,720 Speaker 1: of the house, which was hard because I had already 169 00:08:39,720 --> 00:08:42,880 Speaker 1: paid five years worth of a mortgage into it. And 170 00:08:42,920 --> 00:08:45,360 Speaker 1: then my student loan debt, I was able to basically 171 00:08:45,400 --> 00:08:48,240 Speaker 1: pause payments because they were federal loans. And then the 172 00:08:48,280 --> 00:08:50,959 Speaker 1: credit card debt. I just used the snowball method and 173 00:08:51,040 --> 00:08:54,760 Speaker 1: the avalanche method to slowly but surely pay them down. 174 00:08:54,880 --> 00:08:58,240 Speaker 1: That took me. The credit card debt took me about 175 00:08:58,320 --> 00:09:01,959 Speaker 1: three years of like hardcore going at it to pay 176 00:09:02,000 --> 00:09:04,120 Speaker 1: it off. And then I worked on my student loan 177 00:09:04,160 --> 00:09:05,960 Speaker 1: debt much more slowly because I was like the girl. 178 00:09:06,000 --> 00:09:07,960 Speaker 1: The government can wait. The girl can wait. Okay, the 179 00:09:08,000 --> 00:09:10,160 Speaker 1: door all can wait. So I'm just sharing that as 180 00:09:10,200 --> 00:09:12,880 Speaker 1: somebody who has been through owing a lot of money, 181 00:09:12,920 --> 00:09:16,280 Speaker 1: and now your girl is debt free like a toddler. 182 00:09:17,400 --> 00:09:20,040 Speaker 1: Your girl is debt free like Rammy, like Rio and 183 00:09:20,160 --> 00:09:24,119 Speaker 1: Rammy Mandy's babies. Okay, I am. I own two properties, 184 00:09:24,480 --> 00:09:26,600 Speaker 1: both of which I brought cast, both of which I've renovated. 185 00:09:26,600 --> 00:09:29,240 Speaker 1: Cash my car that I own, I have bought that 186 00:09:29,360 --> 00:09:31,960 Speaker 1: cash certified pre own a baby. They used to call 187 00:09:32,000 --> 00:09:34,559 Speaker 1: it used cars, but we fancy now certified pre own. 188 00:09:35,440 --> 00:09:38,679 Speaker 1: I don't have no debt and so and I love 189 00:09:38,720 --> 00:09:42,600 Speaker 1: it here because it keeps my lifestyle, my my monthly 190 00:09:42,640 --> 00:09:47,360 Speaker 1: expenses low low Lou Lou lou. Look, it keeps them low, 191 00:09:47,760 --> 00:09:50,480 Speaker 1: so I can maintain my lifestyle without having to worry 192 00:09:50,480 --> 00:09:53,160 Speaker 1: about my monthly expenses. To me, let me tell you 193 00:09:53,200 --> 00:09:56,520 Speaker 1: something about adulting. My thing is, I want to ask 194 00:09:56,559 --> 00:09:59,600 Speaker 1: myself self. I want you to be able to afford 195 00:09:59,800 --> 00:10:02,679 Speaker 1: this current life for as long as possible, if not 196 00:10:02,760 --> 00:10:04,400 Speaker 1: for the rest of my life, you know, my rest 197 00:10:04,400 --> 00:10:06,920 Speaker 1: of my foreseeable life. And so one of the ways 198 00:10:06,960 --> 00:10:09,680 Speaker 1: to do that is to try your best not to 199 00:10:09,760 --> 00:10:14,080 Speaker 1: incur too many monthly expenses. And so wherever I can 200 00:10:14,160 --> 00:10:16,440 Speaker 1: kind of cut out a monthly expense. So do I 201 00:10:16,480 --> 00:10:18,480 Speaker 1: have credit cards, Yes, but I pay them off every 202 00:10:18,480 --> 00:10:21,160 Speaker 1: full and full every month. I don't finance things like 203 00:10:21,400 --> 00:10:25,240 Speaker 1: a couch and a desk and a lamp and a cat, 204 00:10:25,440 --> 00:10:27,920 Speaker 1: things like that. Although there have been times when I've 205 00:10:27,920 --> 00:10:30,280 Speaker 1: done that, but I tried my best, as my finances 206 00:10:30,320 --> 00:10:33,200 Speaker 1: has done better, to save and buy those things. I 207 00:10:33,200 --> 00:10:35,560 Speaker 1: know everybody can't buy a house cash or a car cash, 208 00:10:35,800 --> 00:10:38,840 Speaker 1: but I have worked toward intentionally putting myself in that 209 00:10:38,880 --> 00:10:42,360 Speaker 1: position with my business the income I've made for my 210 00:10:42,400 --> 00:10:45,079 Speaker 1: business to do so, because I want, no matter how 211 00:10:45,160 --> 00:10:47,640 Speaker 1: much I make, I want to be able to afford 212 00:10:47,679 --> 00:10:50,199 Speaker 1: my lifestyle. While I make, you know, a million dollars 213 00:10:50,200 --> 00:10:51,839 Speaker 1: a year, or one hundred thousand dollars a year or 214 00:10:51,840 --> 00:10:54,600 Speaker 1: fifty thousand dollars a year, I can fit within the life, 215 00:10:54,679 --> 00:10:58,240 Speaker 1: my bare bones basic lifestyle because sometimes things fluctuate. So 216 00:10:58,320 --> 00:11:01,560 Speaker 1: just keep in mind that, like ideally, you do want 217 00:11:01,600 --> 00:11:04,440 Speaker 1: to live a beautiful, wonderful life, but can you do 218 00:11:04,559 --> 00:11:09,840 Speaker 1: so without incurring additional monthly expenses? That's really the key. Okay, 219 00:11:10,200 --> 00:11:12,280 Speaker 1: all right, Well we're gonna take a brizz ake and 220 00:11:12,320 --> 00:11:16,000 Speaker 1: we're gonna come back to being black and brown on 221 00:11:16,040 --> 00:11:19,120 Speaker 1: brown ambition. And I have another question to answer from 222 00:11:19,559 --> 00:11:23,640 Speaker 1: one of our amazing listeners, Akau, see you in a 223 00:11:23,679 --> 00:11:31,600 Speaker 1: few I am black, I am brown ambition, and I'm 224 00:11:31,600 --> 00:11:34,120 Speaker 1: here by myself in a stew because, like I said, 225 00:11:34,120 --> 00:11:37,000 Speaker 1: Mandy's just had her baby, honey, And because Mandy ain't here, 226 00:11:37,000 --> 00:11:39,040 Speaker 1: we acting up. We do a business question. Next time, 227 00:11:39,040 --> 00:11:41,040 Speaker 1: I'm gonna do all business Mandy, because who go stop me? 228 00:11:41,080 --> 00:11:43,480 Speaker 1: Who go check me? Blue? You know I love answering 229 00:11:43,520 --> 00:11:46,880 Speaker 1: business questions. And this one actually came from one of 230 00:11:46,880 --> 00:11:50,640 Speaker 1: my mentees this morning. She called me literally, it was 231 00:11:50,640 --> 00:11:54,680 Speaker 1: a ten minute conversation, and she said, Tiffany, you told 232 00:11:54,679 --> 00:11:57,720 Speaker 1: me about someone who was able to give one hundred 233 00:11:57,760 --> 00:12:01,800 Speaker 1: thousand people on their email list in one month. But 234 00:12:01,840 --> 00:12:03,240 Speaker 1: I don't remember how she was able to do, so 235 00:12:03,280 --> 00:12:05,600 Speaker 1: can you tell me? I said, girl, I can't cause 236 00:12:05,640 --> 00:12:08,880 Speaker 1: I remember, I said one of my other mentees she 237 00:12:08,960 --> 00:12:10,880 Speaker 1: did something that I did. Now, I was not able 238 00:12:10,920 --> 00:12:12,760 Speaker 1: to get one hundred thousand people on my email list 239 00:12:12,760 --> 00:12:14,240 Speaker 1: in a month, but it took about a year, which 240 00:12:14,280 --> 00:12:17,480 Speaker 1: one hundred thousand people for this one thing. Okay, well, 241 00:12:17,480 --> 00:12:20,800 Speaker 1: first let's dial it back. Why is it important to 242 00:12:20,920 --> 00:12:23,800 Speaker 1: have people on your email list when you have a business. 243 00:12:24,120 --> 00:12:29,120 Speaker 1: I'll tell you why, because you want to own access 244 00:12:29,160 --> 00:12:32,640 Speaker 1: to your audience. Because the facebooks, if you're even still 245 00:12:32,679 --> 00:12:36,360 Speaker 1: on there, the Instagrams like look, look, look what they're 246 00:12:36,400 --> 00:12:39,920 Speaker 1: doing to tick off the talk, right, the girls was ticking, 247 00:12:39,960 --> 00:12:42,760 Speaker 1: talking and filling themselves. And now the US government is 248 00:12:42,800 --> 00:12:44,840 Speaker 1: looking like they might say, girl, you know what's gonna 249 00:12:44,840 --> 00:12:47,120 Speaker 1: be out of here in a minute. TikTok. She can't 250 00:12:47,160 --> 00:12:50,120 Speaker 1: sit with us, okay. And so if they take TikTok 251 00:12:50,160 --> 00:12:52,800 Speaker 1: out of here, what are these TikTok stars going to do? Right? 252 00:12:53,120 --> 00:12:56,079 Speaker 1: If they say they change the rules Mark Zuckerberger, if 253 00:12:56,080 --> 00:12:58,640 Speaker 1: he changes the rules down to the down to the 254 00:12:58,640 --> 00:13:01,320 Speaker 1: Facebook and the Instagram, what y'all gonna do? And so 255 00:13:01,440 --> 00:13:03,640 Speaker 1: one of the things I learned very early on in 256 00:13:03,720 --> 00:13:06,840 Speaker 1: business is that although you want to use these tools 257 00:13:07,240 --> 00:13:12,760 Speaker 1: to communicate with your audience, ideally you want to own 258 00:13:13,280 --> 00:13:16,199 Speaker 1: access to your audience. So what does that mean. It 259 00:13:16,240 --> 00:13:20,560 Speaker 1: means can I communicate with my audience without the use 260 00:13:20,640 --> 00:13:22,320 Speaker 1: of these social media tools that could tell me what 261 00:13:22,320 --> 00:13:25,079 Speaker 1: to do? Right? And so if you do, if you can't, 262 00:13:25,120 --> 00:13:27,160 Speaker 1: if all your audience exists on social media and no 263 00:13:27,240 --> 00:13:32,240 Speaker 1: place else, you are indangerble Molly, you in danger, girl 264 00:13:32,720 --> 00:13:35,640 Speaker 1: ran right, you in danger? And so if we don't 265 00:13:35,679 --> 00:13:37,960 Speaker 1: want them, and so here's how you get out of danger. 266 00:13:38,160 --> 00:13:41,120 Speaker 1: You're gonna use those platforms to get people onto your 267 00:13:41,120 --> 00:13:43,680 Speaker 1: email list. And there's a number of ways to do 268 00:13:43,760 --> 00:13:45,960 Speaker 1: so to get people slowly, but sure you're on your 269 00:13:45,960 --> 00:13:48,160 Speaker 1: email list. And so my mentee, the one who got 270 00:13:48,200 --> 00:13:50,600 Speaker 1: one hundred thousand people in one month, what she did 271 00:13:50,640 --> 00:13:52,720 Speaker 1: was something that I did. You know. She was honest, 272 00:13:52,720 --> 00:13:54,680 Speaker 1: she said, girl, I seem to do it. So I 273 00:13:54,760 --> 00:13:56,880 Speaker 1: copied or whatever. I'm not even mad at that because 274 00:13:56,920 --> 00:14:00,320 Speaker 1: I'm like, girl, the game is to be played, not 275 00:14:01,720 --> 00:14:03,400 Speaker 1: I don't even know the other part of that, I don't. 276 00:14:04,320 --> 00:14:06,120 Speaker 1: I feel like this is there's a quote there the 277 00:14:06,160 --> 00:14:08,680 Speaker 1: game is to be played, not something anyway. So I 278 00:14:08,679 --> 00:14:10,160 Speaker 1: put her on game and I'll put you on game tune. 279 00:14:10,880 --> 00:14:13,839 Speaker 1: And so one of the best ways. There's so many 280 00:14:13,840 --> 00:14:15,960 Speaker 1: ways to get people on your email list. You can 281 00:14:16,120 --> 00:14:18,920 Speaker 1: get people on your email list by offering something for free, 282 00:14:19,240 --> 00:14:22,080 Speaker 1: like hey, do you want this free budget checklist? You know, 283 00:14:22,160 --> 00:14:24,560 Speaker 1: people put in their name and email, they get the checklist. Yeah, 284 00:14:24,600 --> 00:14:28,320 Speaker 1: everybody's happy. So one you have to choose. They call 285 00:14:28,360 --> 00:14:31,720 Speaker 1: it a CRM. Don't ask me what it stands for CRM. 286 00:14:31,800 --> 00:14:34,680 Speaker 1: I don't know. But there are like there's like mad mem, 287 00:14:35,040 --> 00:14:38,400 Speaker 1: there is Oh Goodness. I use one called keep k 288 00:14:38,600 --> 00:14:41,640 Speaker 1: E a P. But keep is like the rolls Royce 289 00:14:41,680 --> 00:14:43,320 Speaker 1: of CRMs, you don't. It's a lot of money and 290 00:14:43,320 --> 00:14:45,400 Speaker 1: you don't need that to start off with. There's another 291 00:14:45,440 --> 00:14:49,280 Speaker 1: one called I used to use called oh man, I 292 00:14:49,320 --> 00:14:51,800 Speaker 1: forget the name, event don't get me the line child, 293 00:14:52,200 --> 00:14:54,880 Speaker 1: But there are Basically these are just ways to collect 294 00:14:54,880 --> 00:14:56,640 Speaker 1: people's emails and be able to email them. If you 295 00:14:56,720 --> 00:14:59,600 Speaker 1: just google CRMs, you'll see there's one. There's one that 296 00:14:59,640 --> 00:15:01,160 Speaker 1: was actually a really good one, but it wasn't so 297 00:15:01,200 --> 00:15:03,720 Speaker 1: expensive anyway. You know, your girl got the mind of 298 00:15:03,720 --> 00:15:06,680 Speaker 1: eight year old sometimes, so do your Google do a 299 00:15:06,680 --> 00:15:08,560 Speaker 1: little bit of work, right, So you're going to pick 300 00:15:08,600 --> 00:15:12,080 Speaker 1: a CRM and then you're going to link You're like, 301 00:15:12,120 --> 00:15:15,720 Speaker 1: So the CRM will allow you to people will like, 302 00:15:15,760 --> 00:15:18,080 Speaker 1: It'll allow you to create a contact form where people 303 00:15:18,120 --> 00:15:21,080 Speaker 1: will put in like, it'll say welcome dreamcatchers, this is 304 00:15:21,120 --> 00:15:23,320 Speaker 1: what I have. Like for example, if you want to 305 00:15:23,400 --> 00:15:26,240 Speaker 1: get a goodie for me, I call my things goodie 306 00:15:26,280 --> 00:15:29,840 Speaker 1: emails and one of my giveaways to get people on 307 00:15:29,840 --> 00:15:32,720 Speaker 1: my email list. If you go to budgetistogodies dot com, 308 00:15:32,760 --> 00:15:35,960 Speaker 1: for example, you will see like it'll say welcome, do 309 00:15:36,040 --> 00:15:38,360 Speaker 1: you want to get a free goodie? YadA, YadA, YadA YadA. 310 00:15:38,360 --> 00:15:40,480 Speaker 1: You put your name in your email in it adds 311 00:15:40,520 --> 00:15:43,800 Speaker 1: you to my key email list, and then you get 312 00:15:43,840 --> 00:15:45,880 Speaker 1: your free goodie right away. And then every Wednesday I 313 00:15:45,880 --> 00:15:48,640 Speaker 1: send out more free stuff. And it allows me Now 314 00:15:48,760 --> 00:15:51,600 Speaker 1: when I'm launching a book, like I have my workbook 315 00:15:51,640 --> 00:15:55,360 Speaker 1: coming out Made Whole and November of this year, when 316 00:15:55,400 --> 00:15:58,440 Speaker 1: I'm like when my Netflix special came out Get Smart 317 00:15:58,480 --> 00:16:00,800 Speaker 1: with Money, I was able to email the people on 318 00:16:00,840 --> 00:16:03,160 Speaker 1: the list. So having a list means that when I 319 00:16:03,200 --> 00:16:05,920 Speaker 1: have something to say or share or whatever, I can 320 00:16:05,920 --> 00:16:08,400 Speaker 1: speak directly to you. Sure I can post it on social, 321 00:16:08,560 --> 00:16:11,480 Speaker 1: but I can also land in your inbox. Okay, Okay, 322 00:16:11,640 --> 00:16:14,160 Speaker 1: So you're going to pick a CRM. That's one. Then 323 00:16:14,200 --> 00:16:16,040 Speaker 1: two you're going to decide how to get people on. 324 00:16:16,400 --> 00:16:19,040 Speaker 1: So one is to give them something free, another free 325 00:16:19,080 --> 00:16:21,600 Speaker 1: thing that works really great. It's a lot of work though, 326 00:16:21,640 --> 00:16:24,160 Speaker 1: but I created a Liverature challenge. A challenge is a 327 00:16:24,200 --> 00:16:27,360 Speaker 1: great way. So challenges are anywhere, are typically from three 328 00:16:27,440 --> 00:16:30,360 Speaker 1: days so minus three weeks long, where it's basically it's 329 00:16:30,360 --> 00:16:33,160 Speaker 1: like a free course, but people are more likely to 330 00:16:33,200 --> 00:16:35,600 Speaker 1: give their name and email if they're going to receive 331 00:16:35,640 --> 00:16:39,840 Speaker 1: something great and juicy in return. So my annual Literature Challenge. Well, 332 00:16:39,840 --> 00:16:41,720 Speaker 1: actually it's I mean, you can always take that at 333 00:16:41,760 --> 00:16:45,280 Speaker 1: liverature challenge dot com. It's free, but in exchange, people 334 00:16:45,280 --> 00:16:47,240 Speaker 1: give me their name and email and a lot more so, 335 00:16:47,280 --> 00:16:49,280 Speaker 1: because the challenge is three weeks, I don't just ask 336 00:16:49,280 --> 00:16:51,800 Speaker 1: for name and email the registration email. I want to 337 00:16:51,800 --> 00:16:54,760 Speaker 1: know how old you are, where you live. The Liverature 338 00:16:54,840 --> 00:16:58,360 Speaker 1: Challenge allows me every year to get a clear demographic 339 00:16:58,400 --> 00:17:00,920 Speaker 1: of whom I'm serving, so I can tailor make things 340 00:17:00,960 --> 00:17:04,960 Speaker 1: directly for my audience. So the bigger gift you give 341 00:17:05,000 --> 00:17:07,160 Speaker 1: to the audience, the more you can ask of them. 342 00:17:07,440 --> 00:17:09,560 Speaker 1: So I like to ask a lot when people set 343 00:17:09,600 --> 00:17:12,280 Speaker 1: up for my literature challenges, because then I'm clear about 344 00:17:12,280 --> 00:17:15,080 Speaker 1: oh I'm serving. This is like a specifically black women 345 00:17:15,160 --> 00:17:18,000 Speaker 1: I see on here ages, you know, thirty five to 346 00:17:18,119 --> 00:17:21,480 Speaker 1: forty five. She's educated with the college degree. So as 347 00:17:21,520 --> 00:17:23,800 Speaker 1: I build things, I know exactly who I'm building things for. 348 00:17:24,160 --> 00:17:27,400 Speaker 1: So bigger thing you're giving them more things you're allowed 349 00:17:27,440 --> 00:17:29,959 Speaker 1: to ask, so I know I'm doing this roundabout way 350 00:17:29,960 --> 00:17:31,960 Speaker 1: I'm African girl. We don't get to the point. So 351 00:17:32,560 --> 00:17:34,639 Speaker 1: the way that I was that my friend or my 352 00:17:34,720 --> 00:17:36,720 Speaker 1: mentee was able to grow her email lists in the 353 00:17:36,760 --> 00:17:40,399 Speaker 1: way that I did too. Another way was a quiz. 354 00:17:40,680 --> 00:17:43,320 Speaker 1: So we talked about one a free downloadable something to 355 00:17:43,320 --> 00:17:47,720 Speaker 1: give away, two a challenge, three a quiz. So there's 356 00:17:47,760 --> 00:17:53,480 Speaker 1: this site called out Grow out g r ow outgrow 357 00:17:54,240 --> 00:17:57,720 Speaker 1: dot us. I believe in me see because I think 358 00:17:58,040 --> 00:18:04,280 Speaker 1: I tink tink a tink outgrow owe ut out. Well, 359 00:18:04,280 --> 00:18:07,159 Speaker 1: you know what if I go to gg wm forget 360 00:18:07,160 --> 00:18:11,439 Speaker 1: Good with Money quiz ggwm mone yeah, gets Good with 361 00:18:11,520 --> 00:18:14,600 Speaker 1: Money quiz, you could actually go see Outgrowing Action and 362 00:18:14,680 --> 00:18:20,080 Speaker 1: yes it's outgrow dot us and so gg wm quiz. 363 00:18:20,119 --> 00:18:22,359 Speaker 1: You can see my financial Hollness quiz. And what I 364 00:18:22,400 --> 00:18:24,359 Speaker 1: love about it is that as I do is right 365 00:18:24,400 --> 00:18:26,919 Speaker 1: now at the bottom. It has a little window and 366 00:18:26,960 --> 00:18:30,320 Speaker 1: it says and you can see it publicly. One hundred, 367 00:18:30,960 --> 00:18:35,000 Speaker 1: one hundred thousand and seven, No, one hundred seven thousand, 368 00:18:35,160 --> 00:18:38,080 Speaker 1: six hundred and sixty seven people have taken a quiz. 369 00:18:38,119 --> 00:18:40,240 Speaker 1: So over one hundred thousand people have taken this quiz 370 00:18:40,280 --> 00:18:43,080 Speaker 1: in the last like almost two years, which is awesome. 371 00:18:43,520 --> 00:18:46,480 Speaker 1: If the quiz is literally it says your financial Honess quiz, 372 00:18:46,720 --> 00:18:49,800 Speaker 1: and it says there are ten questions and each is 373 00:18:49,840 --> 00:18:52,640 Speaker 1: worth ten percent. How close are you to being financially whole? 374 00:18:52,840 --> 00:18:56,280 Speaker 1: Take the sixty second quiz. Now. One of the things 375 00:18:56,320 --> 00:18:58,679 Speaker 1: I'm saying here, One, if you're gonna do a quiz, 376 00:18:58,760 --> 00:19:01,560 Speaker 1: what are the people gonna get? You're gonna get your score? 377 00:19:02,080 --> 00:19:03,920 Speaker 1: And two how long is it gonna take me? That's 378 00:19:03,920 --> 00:19:06,520 Speaker 1: why I have the button says take the sixty second quiz, 379 00:19:06,560 --> 00:19:09,080 Speaker 1: because now someone can decide do I have sixty seconds? 380 00:19:09,800 --> 00:19:11,600 Speaker 1: You know, and you know that there's ten questions and 381 00:19:11,640 --> 00:19:13,639 Speaker 1: I love it because I can click on it and 382 00:19:13,680 --> 00:19:15,719 Speaker 1: the quiz an outgrow. What I like is I mean, 383 00:19:15,720 --> 00:19:17,520 Speaker 1: I don't know if there's other options, but I use 384 00:19:17,520 --> 00:19:19,399 Speaker 1: the thumbs up thumbs down. So it's going to take 385 00:19:19,400 --> 00:19:21,480 Speaker 1: you less than sixty seconds to just say yes I 386 00:19:21,480 --> 00:19:23,080 Speaker 1: have budget, No I don't have a budget. Yes I 387 00:19:23,119 --> 00:19:24,720 Speaker 1: have this, No I don't have this. And what I 388 00:19:24,760 --> 00:19:27,159 Speaker 1: love is at the end of the quiz, you can 389 00:19:27,320 --> 00:19:31,320 Speaker 1: you can create your own on outgrow is it'll like. 390 00:19:31,359 --> 00:19:33,160 Speaker 1: So I'm just telling myself. I'm left. I'm saying no 391 00:19:33,200 --> 00:19:34,679 Speaker 1: that I don't have any of these things, and Outgrow 392 00:19:34,760 --> 00:19:36,800 Speaker 1: is going to give me a score of like of 393 00:19:38,040 --> 00:19:40,560 Speaker 1: So before I get my score, guess what Alco asked 394 00:19:40,560 --> 00:19:42,879 Speaker 1: me for They're like, girl, before you get your score, 395 00:19:43,040 --> 00:19:45,719 Speaker 1: put your name and your email in Boom collected their 396 00:19:45,800 --> 00:19:48,320 Speaker 1: name and email after they taken a quiz, so they're 397 00:19:48,320 --> 00:19:49,760 Speaker 1: already invested. They're like, girl, I want to know my 398 00:19:50,320 --> 00:19:53,920 Speaker 1: score and it says tiffing your financial honors score zero percent. Way. 399 00:19:54,640 --> 00:19:58,560 Speaker 1: But the good thing is is that I have on 400 00:19:58,680 --> 00:20:01,960 Speaker 1: here like you can get it says want to stay 401 00:20:01,960 --> 00:20:05,200 Speaker 1: and get one hundred percent Hohle pre order made Whole 402 00:20:05,680 --> 00:20:08,480 Speaker 1: The Practical Guide to Reaching your Financial Goals, a companion 403 00:20:08,480 --> 00:20:10,440 Speaker 1: to my New York Times bestselling book Gigga of Money. 404 00:20:10,440 --> 00:20:12,240 Speaker 1: Here so you click on here and guess what it 405 00:20:12,280 --> 00:20:14,320 Speaker 1: takes you to pre order the book. So what I 406 00:20:14,480 --> 00:20:18,159 Speaker 1: love about quizzes is two things I was able to accomplish 407 00:20:18,160 --> 00:20:20,760 Speaker 1: with this quiz. I got your name and your email 408 00:20:21,240 --> 00:20:23,679 Speaker 1: added to my list, and then at the end I 409 00:20:23,680 --> 00:20:25,240 Speaker 1: can tell you about my new book that comes out 410 00:20:25,240 --> 00:20:27,959 Speaker 1: in November. How awesome is that? You know? And then 411 00:20:28,000 --> 00:20:29,520 Speaker 1: you might want to pre order it so it can 412 00:20:29,640 --> 00:20:32,800 Speaker 1: lead to pre orders. So gig of Money did really 413 00:20:32,880 --> 00:20:35,320 Speaker 1: well in large part because I was able to collect 414 00:20:35,359 --> 00:20:37,800 Speaker 1: a lot of name and emails prior to the book 415 00:20:37,840 --> 00:20:40,480 Speaker 1: coming out for people who I knew were interested in 416 00:20:40,520 --> 00:20:44,359 Speaker 1: something called financial hooleness, because the purpose of my two books, 417 00:20:44,440 --> 00:20:47,160 Speaker 1: Get Good with Money and Made Whole is to get 418 00:20:47,280 --> 00:20:50,560 Speaker 1: you to understand there's something called financial wholeness and you 419 00:20:50,640 --> 00:20:53,000 Speaker 1: may or not be You may or may not be 420 00:20:53,119 --> 00:20:55,199 Speaker 1: financially whole, but I can help you get there with 421 00:20:55,320 --> 00:20:59,200 Speaker 1: these tools. So do you see it primes you to say, hey, 422 00:20:59,840 --> 00:21:02,680 Speaker 1: I'm not quite financially whole, but hey, Tiffany can help. 423 00:21:02,800 --> 00:21:04,920 Speaker 1: Here's the tool. And then on top of that, even 424 00:21:04,920 --> 00:21:06,879 Speaker 1: if you don't get the book, adding your name and 425 00:21:06,920 --> 00:21:08,919 Speaker 1: your email to my list means I can tell you 426 00:21:08,920 --> 00:21:11,520 Speaker 1: about the book or other products and services I have later. 427 00:21:12,119 --> 00:21:15,080 Speaker 1: So having access to my audience is so critical. But 428 00:21:15,080 --> 00:21:18,480 Speaker 1: do you see how that one quiz it answered so 429 00:21:18,600 --> 00:21:22,040 Speaker 1: many business questions? Do I have access to this audience member? Yes? 430 00:21:22,359 --> 00:21:23,920 Speaker 1: Do I get to tell them about a product or 431 00:21:23,960 --> 00:21:26,639 Speaker 1: service I have? Yes? Do they get to understand more 432 00:21:26,680 --> 00:21:29,640 Speaker 1: about me by taking the quiz? Yes? Do they get 433 00:21:29,680 --> 00:21:33,600 Speaker 1: to potentially purchase the thing at the end? Yes? That 434 00:21:33,840 --> 00:21:36,800 Speaker 1: one quiz does like five things? Is that fourth things? 435 00:21:36,800 --> 00:21:40,000 Speaker 1: Four things? Right? And so that's a quiz is one. 436 00:21:40,080 --> 00:21:44,160 Speaker 1: It's an awesome way to get people on your email list. Now. 437 00:21:44,200 --> 00:21:46,480 Speaker 1: The thing is the reason why my mentee was able 438 00:21:46,480 --> 00:21:48,560 Speaker 1: to get one hundred thousand people in one month is 439 00:21:48,600 --> 00:21:50,919 Speaker 1: because she has over two million people on TikTok that 440 00:21:50,960 --> 00:21:54,760 Speaker 1: follow her and she goes viral quite often. So I 441 00:21:54,760 --> 00:21:56,520 Speaker 1: don't have two million people on TikTok. I don't you know. 442 00:21:56,560 --> 00:21:57,879 Speaker 1: I don't even know if I have ten thousand, might 443 00:21:57,960 --> 00:22:01,399 Speaker 1: be like two thousand. So it took me longer to 444 00:22:01,400 --> 00:22:03,320 Speaker 1: get to one hundred thousand people on my quiz. But 445 00:22:03,359 --> 00:22:06,400 Speaker 1: that's okay, you know. So yeah, I'm not saying you're 446 00:22:06,400 --> 00:22:08,840 Speaker 1: gonna get one hundred thousand people on your list in 447 00:22:08,840 --> 00:22:12,000 Speaker 1: in a month, but what you will get is somebody, 448 00:22:12,400 --> 00:22:14,120 Speaker 1: you know what I mean. And then what you want 449 00:22:14,119 --> 00:22:15,720 Speaker 1: to do is when you get people on your list, 450 00:22:16,040 --> 00:22:18,679 Speaker 1: keep it warm. What does that mean? It means at 451 00:22:18,800 --> 00:22:22,159 Speaker 1: least monthly reaching out to your list to add value 452 00:22:22,160 --> 00:22:25,880 Speaker 1: to someone's life. Here's a free tool, here's a free checklist. 453 00:22:25,960 --> 00:22:28,040 Speaker 1: Here's a video that helped me. Whatever it is, whatever 454 00:22:28,080 --> 00:22:32,600 Speaker 1: your fitness, you know, vaginal health, I'm moving there. Whatever 455 00:22:32,640 --> 00:22:34,920 Speaker 1: it is that you teach, you can keep your list worm. 456 00:22:35,000 --> 00:22:37,399 Speaker 1: I do a weekly email to keep the list warm, 457 00:22:37,680 --> 00:22:40,880 Speaker 1: and I'm always pouring in and giving. So every once 458 00:22:40,880 --> 00:22:42,520 Speaker 1: in a while, once or twice a year, when I 459 00:22:42,560 --> 00:22:45,000 Speaker 1: say here's something that you can buy, the girls just 460 00:22:45,119 --> 00:22:48,280 Speaker 1: like say lasses you've been given, I love it. You 461 00:22:48,320 --> 00:22:50,960 Speaker 1: see what I mean? Doesn't that makes sense? Girl? I 462 00:22:51,000 --> 00:22:52,800 Speaker 1: mean knowing what stuff. It's been fifteen years of business, 463 00:22:52,800 --> 00:22:55,439 Speaker 1: over forty million dollars made. Yes, Brown Girl Tipany has 464 00:22:55,440 --> 00:22:57,280 Speaker 1: done all of that. Bland Girl Tivity has done all 465 00:22:57,320 --> 00:23:00,119 Speaker 1: of that. I have many a mentee and if you 466 00:23:00,160 --> 00:23:03,280 Speaker 1: want to be a mentee of mine, I don't take 467 00:23:03,320 --> 00:23:05,040 Speaker 1: on any more one on one mentees, even though I 468 00:23:05,080 --> 00:23:07,239 Speaker 1: always say that, but someone always wheezles their way in. 469 00:23:08,359 --> 00:23:10,000 Speaker 1: But the good thing is that when I talk to 470 00:23:10,000 --> 00:23:13,199 Speaker 1: my one on one in person mentees about I also 471 00:23:13,480 --> 00:23:18,200 Speaker 1: talk to like my mentees online. There's over about thirteen 472 00:23:18,280 --> 00:23:22,399 Speaker 1: hundred mentees that I have, and we have a monthly 473 00:23:22,480 --> 00:23:24,480 Speaker 1: chat where I teach a live lesson or do a 474 00:23:24,560 --> 00:23:27,200 Speaker 1: Q and A and the mentees actually meet with each 475 00:23:27,200 --> 00:23:29,880 Speaker 1: other weekly get to connect with each other, and then 476 00:23:29,920 --> 00:23:32,400 Speaker 1: every month for any new mentees that might have joined 477 00:23:32,560 --> 00:23:34,760 Speaker 1: that month, they have a networking session. They just did 478 00:23:34,760 --> 00:23:36,240 Speaker 1: a fun one where it was a game night, which 479 00:23:36,240 --> 00:23:38,439 Speaker 1: is so fun. Okay, So if you want to be 480 00:23:38,440 --> 00:23:40,600 Speaker 1: a mentee where you know you're gonna get a lesson 481 00:23:40,600 --> 00:23:42,879 Speaker 1: from me every month live and then they're recording you 482 00:23:42,920 --> 00:23:46,440 Speaker 1: can watch later. Connect with other mentees weekly if not daily, 483 00:23:46,480 --> 00:23:50,040 Speaker 1: because we have like a chat every week. I also 484 00:23:50,119 --> 00:23:51,840 Speaker 1: give like some sort of tool that I use in 485 00:23:51,880 --> 00:23:53,920 Speaker 1: my business. It's just a really awesome place. It's only 486 00:23:53,960 --> 00:23:56,000 Speaker 1: ten bucks a month for now, because I'm not gonna lie. 487 00:23:56,040 --> 00:23:57,760 Speaker 1: The prices going up. It might be twenty by the 488 00:23:57,760 --> 00:23:59,199 Speaker 1: time you listen to it. You lost out in the 489 00:23:59,240 --> 00:24:03,399 Speaker 1: ten bucks. But it's ten bucks a month currently right 490 00:24:03,440 --> 00:24:06,840 Speaker 1: now as I'm speaking, and it's available at my mentor 491 00:24:07,000 --> 00:24:12,320 Speaker 1: Tiffany dot com. That's my mentor Tiffany dot com. We'll 492 00:24:12,320 --> 00:24:15,320 Speaker 1: put it in the show notes. But yeah, if you 493 00:24:15,440 --> 00:24:17,640 Speaker 1: want you I just want to say, if you want 494 00:24:17,680 --> 00:24:21,680 Speaker 1: my body and you think I'm sick, name that artist, 495 00:24:21,720 --> 00:24:24,480 Speaker 1: tweet me who sang that song. Tell of y'all too young. 496 00:24:25,080 --> 00:24:27,480 Speaker 1: You're too young. That song was a jam back in 497 00:24:27,480 --> 00:24:30,080 Speaker 1: the day. So if you have a question and you 498 00:24:30,119 --> 00:24:33,520 Speaker 1: want it answered, you know, hit us up Brana Bischen 499 00:24:33,600 --> 00:24:35,720 Speaker 1: everywhere and we will help you and I will try 500 00:24:35,720 --> 00:24:39,400 Speaker 1: my best to pour into you questions about business, questions 501 00:24:39,440 --> 00:24:44,200 Speaker 1: about money, questions about career. We are here for you. 502 00:24:44,760 --> 00:24:47,040 Speaker 1: I'm here for you. And tell me Andy, I've been 503 00:24:47,040 --> 00:24:48,840 Speaker 1: all my best behavior, okay, Tell her I was the 504 00:24:48,880 --> 00:24:52,679 Speaker 1: only singing just a little bit, and that I was 505 00:24:52,760 --> 00:24:55,840 Speaker 1: real good. Okay, all right, until next week, y'all, I 506 00:24:55,880 --> 00:25:01,440 Speaker 1: will see you on the ba QA Bye hey, ba Fam. 507 00:25:01,480 --> 00:25:04,320 Speaker 1: We could not do this show without your support or 508 00:25:04,359 --> 00:25:07,160 Speaker 1: the support of our team behind the scenes. The Brown 509 00:25:07,160 --> 00:25:11,280 Speaker 1: Ambition podcast is produced by Imani Crosby and Dennis Stanplinsky 510 00:25:11,480 --> 00:25:14,040 Speaker 1: is our in house tech guru, I and your co 511 00:25:14,160 --> 00:25:17,080 Speaker 1: host Mandy Woodrif Santos and we will see y'all next week, 512 00:25:17,160 --> 00:25:20,400 Speaker 1: ba Fam.