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Speaker 1: Hey, hey, hey, oh I forgot that's the Navis and Wednesday.

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Speaker 1: Oh it's time for the b a q a A

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Speaker 1: to b a q a, which you say the b

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Speaker 1: a q eight with tiffin a the b a q

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Speaker 1: a no men day, but the b a q a nonetheless.

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Speaker 1: So today is a snow day. It's get you if

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Speaker 1: you will, and so cous it's a snow day. Men.

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Speaker 1: They got the babies, and you know the babies will

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Speaker 1: not let you tape nobody's podcast. So you just have me, child,

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Speaker 1: because although it is a snow day for me as well,

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Speaker 1: it's just me, So I figure i'll do a We're

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Speaker 1: gonna answer two questions, one about business because y'all love that,

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Speaker 1: and one about personal finance because y'all love that as well.

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Speaker 1: If you're new to the stew the studio for short,

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Speaker 1: we answer questions here, but we answer questions on career,

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Speaker 1: on business, personal finance, your money, and life in general.

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Speaker 1: But Mandy and I are not your attorney. We're not

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Speaker 1: your financial advisor. We're not your doctor, we're not your engineer. Shoot,

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Speaker 1: we're not even a poc in g Man. Okay. We

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Speaker 1: are just two smart brown girls that have a thing

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Speaker 1: or two to say, and we will give you our

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Speaker 1: best to give you some advice that you take with

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Speaker 1: the smallest grain of salt, and then you consult with

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Speaker 1: the people you pay to take the advice to the king. Okay,

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Speaker 1: all right, So if you got questions, we have answers.

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Speaker 1: You can always slide into our DMS on IG that's

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Speaker 1: our preferred place. That is Brown Ambition Podcast on IG.

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Speaker 1: Or you can always go to Brown Ambition Podcast and

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Speaker 1: there's like a contact us button dot com on our

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Speaker 1: website and there's a contact us button so you can

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Speaker 1: hit us there too, but IG is our favorite place

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Speaker 1: sliding them DMS. Honey, all right, So I am taking

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Speaker 1: these questions I'm answering today just in general from what

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Speaker 1: the people have been asking and people say budgetiestae question.

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Speaker 1: So I have these financial resolutions and it's not looking good, queen,

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Speaker 1: even though we're in week two. How do I stay

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Speaker 1: on track for the year? Who has that question? Raise

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Speaker 1: your hand? Raise your hand, right? I know I have

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Speaker 1: that question sometimes and so I have found a system,

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Speaker 1: if you will, that allows me to stay on relative

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Speaker 1: financial track for the year. Want to hear it? Hear it?

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Speaker 1: Go first things first, you do have to kind of identify.

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Speaker 1: I don't necessarily do resolutions, but I do try to

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Speaker 1: identify what goals financial goals I'd like to meet by

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Speaker 1: the end of the year. But this is what I

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Speaker 1: ask myself. I say, Tiffany, January one, Tiffany, what would

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Speaker 1: you like January thirty one Tiffany to look like? Where

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Speaker 1: would you like for her to say? Ooh cha, I

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Speaker 1: went on these trips? What would you like her to

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Speaker 1: be wearing? You know, I was just looking at a

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Speaker 1: pair of Jordan's today, these Jordan Ones. I love the

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Speaker 1: Jordan Ones. They were raid and black and white. I

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Speaker 1: want her to be wearing those, right? What you know?

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Speaker 1: What is she a last girl? Because you see, I

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Speaker 1: got me a little last one right now? Does she

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Speaker 1: still have those? Okay? Has she finally moved into her

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Speaker 1: condo she's been renovating forever. Has she eaten at certain

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Speaker 1: restaurants la la? Has she spent time with people she

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Speaker 1: wanted to spend time with? What does January thirty one

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Speaker 1: Tiffany look like? And then infuse financially what does that

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Speaker 1: mean for her or him? Right? Or they? Then? Right?

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Speaker 1: What does that mean? Because this is more powerful than

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Speaker 1: a resolution because of the resolution is like, I'm gonna

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Speaker 1: fix my credit. That's great. What does that actually mean.

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Speaker 1: I'm literally envisioning myself December thirty first, you know, not

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Speaker 1: outside because Child is ghetto on New Year's Eve and

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Speaker 1: dangerous the December thirty first, reflecting on my year that's passed,

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Speaker 1: and I I'm gonna actually because if you know me,

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Speaker 1: you know I'm always cutting my locks, and I've cut

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Speaker 1: them to the chin, I've cut them short. But for

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Speaker 1: one thing, I'm like Child, I'm actually gonna let my

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Speaker 1: locks grow. So I imagine it's already like at Brawlink and

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Speaker 1: so I imagine they'll be like mid back and your

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Speaker 1: girl's gonna be a mermaid. I also think I'm gonna

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Speaker 1: keep the lashes up. I will have traveled. I know

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Speaker 1: for a fact, I'm going to Africa. I'm going to

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Speaker 1: go to Johannesburg and a few surrounding countries. Literally tomorrow

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Speaker 1: I leave for Puerto Rico with my sister am. I

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Speaker 1: just got back from South Carolina. Y'all never told me

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Speaker 1: about the sea islands Gullah Gulla. It was so freaking beautiful.

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Speaker 1: I was right on the Atlantic Ocean. It was moving

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Speaker 1: right so that's happening. My sisters just started taking pilates classes.

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Speaker 1: It's forty dollars a class. I'm considering it. But do

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Speaker 1: you see, like as I imagine January December thirty one, Tiffany,

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Speaker 1: like I'm looking at her holistically and then I'm attaching

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Speaker 1: the financial goals to that holistic life. Does that make sense? Right? Like?

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Speaker 1: What do I want for her? I want to have travel,

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Speaker 1: you know, I don't necessarily want to lose weight, but

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Speaker 1: certainly I would like my body to be tighter, a

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Speaker 1: little more snatched to the wakes. Okay, because I'm bringing

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Speaker 1: in forty five, I want to be given forty five

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Speaker 1: grown woman energy, but the body of thirty maybe not

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Speaker 1: thirty because thirty I was too skinny. Thirty five thirty seven, No,

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Speaker 1: just tighter than what I am now. I still give

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Speaker 1: it key though, R. But I literally am asking myself,

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Speaker 1: how do I want to show up on the last

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Speaker 1: day of the year, and what does that look like?

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Speaker 1: What I have to do now? And how does that

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Speaker 1: tie into my financial life? Is there money that I

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Speaker 1: have to save? Are there trips that I have to book?

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Speaker 1: Maybe I need to lean in, Like literally, I'm going

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Speaker 1: to Dubai in February. Your girls outside outside here go

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Speaker 1: catch this city. My trips in the month of January

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Speaker 1: and South Carolina. I started off with their doing Karen Hunter.

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Speaker 1: She's got this awesome podcast. She had this Healthy, Wealthy

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Speaker 1: Wise conference, which was inpecably done. I started there. I

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Speaker 1: go to Puerto Rico. I just got back on Sunday.

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Speaker 1: I go to Puerto Rico tomorrow to celebrate my sister's

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Speaker 1: fortieth Hey, Hairyl, that's rooming a Milia's mama Inenda because

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Speaker 1: my friend Rachel Rogers is having her ROI conference that

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Speaker 1: she has every year in Puerto Rico, So we're gonna

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Speaker 1: I'm gonna go to the conference but also enjoy pr

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Speaker 1: Okay and Dean. The week after that, I have to

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Speaker 1: go to Boston because I'm taping this huge podcast. Y'all

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Speaker 1: heard of mel Robbins. You know you have Okay, I'm

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Speaker 1: taping her podcast. It's in Boston, so I'll be flying

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Speaker 1: out to do that and Dean. I got booked to

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Speaker 1: do this gig in la a week after that, and

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Speaker 1: so I might We'll see how long I stay because

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Speaker 1: I have some friends in La hey Evon and my

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Speaker 1: cousin Chris. So maybe I'll stay a couple of days

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Speaker 1: to hang out with them, and then two weeks. Then

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Speaker 1: the week after that I'm going to be going to

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Speaker 1: DC to see my friend. And so that's happened in DC.

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Speaker 1: And then the week after that I go to Dubai

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Speaker 1: for this Mastermind, and during this Mastermind, my friend Terry

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Speaker 1: is going to be there. She said, I've always wanted

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Speaker 1: to go to Singapore. I said, okay, girl, so we

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Speaker 1: are going to go to Singapore the Mastermind for Dubai.

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Speaker 1: It's just two days. But who goes all the way

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Speaker 1: to Dubai just to stay for two days? Not me.

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Speaker 1: So I'm gonna be in a way for about ten days.

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Speaker 1: And so we're gonna spend time in Dubai and then

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Speaker 1: spend time in Singapore and then bring myself on home.

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Speaker 1: That's just January and February. Your girl is what outside?

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Speaker 1: So as I think of December thirty one, Tiffany, she

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Speaker 1: has been well traveled, right, I didn't even talk about

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Speaker 1: May when I go to Africa, when I go to

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Speaker 1: Johannesburg and the surrounding countries, right, I even book all

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Speaker 1: the other things I plan on doing. Okay, But in

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Speaker 1: order to do that, I am currently looking at one

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Speaker 1: my finances two points. I'm literally like, I was watching

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Speaker 1: YouTube videos today about the best way to medeem points

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Speaker 1: because I got a lot of ANX points, a lot

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Speaker 1: of United Airline points, some Chase Venture Card points, and

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Speaker 1: so but do you see that? Like, I don't want

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Speaker 1: you to think of your December thirty first self just

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Speaker 1: from a financial place. I want you to think of like,

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Speaker 1: how will you show up holistically and then match your

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Speaker 1: money to that. That's how you stick to the quote

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Speaker 1: unquote resolutions. Because resolutions are dry, honey and ashy. But

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Speaker 1: if you make them about your holistic, wonderful life, then

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Speaker 1: you say, hey, money, catch up. I need you to

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Speaker 1: do this, honey. I need you to give this. We

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Speaker 1: need to give savings, we need to give pay down

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Speaker 1: this credit card debt, we need to give maximize these points.

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Speaker 1: Do you see? Do you see? Do you see? We

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Speaker 1: need to give strong credit score? And so that's what

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Speaker 1: I do first and foremost in order to stick to

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Speaker 1: my quote unquote resolutions is that I make it about

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Speaker 1: a bigger life, not just about the money, and then

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Speaker 1: I match the money to the life. I don't try

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Speaker 1: to match my life to the money. That's one. Then two.

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Speaker 1: One of the things I do is I look for help.

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Speaker 1: I look to you. Is that windy I look not Whitney, right,

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Speaker 1: I look to you when I don't even know the song.

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Speaker 1: But it's a cute song. I just don't have a

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Speaker 1: great voice anyway, right. So one of the things I

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Speaker 1: have learned in my almost forty five years of life.

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Speaker 1: When I'm gonna say almost forty five because my birthday's

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Speaker 1: not in October, so we're gonna live this cute forty four.

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Speaker 1: I mean some of y'all be hung up on about age,

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Speaker 1: not me, girl, because you see the skin botox and

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Speaker 1: feeler free, still looking like what I'm giving. I feel

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Speaker 1: like I look in my forties, which is great, But

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Speaker 1: I feel like I look like in a cute in

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Speaker 1: my forties. Okay. The body is still body, and the

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Speaker 1: face is still facing and the skin is still skinning. Guy. Okay,

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Speaker 1: So so I'm always looking for help. So in my

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Speaker 1: years of living, I have learned the fastest way to

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Speaker 1: get from where you are to where you want to

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Speaker 1: be is typically through someone else. Because, girl, why we

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Speaker 1: learn a new lessons when the lessons have been learned

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Speaker 1: and written about and podcast about and blogged about. Okay,

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Speaker 1: So for example, I'm like, Hey, I've never flown Emirates

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Speaker 1: or Qatar, and I've heard they're really beautiful, and I

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Speaker 1: want to fly like to when I go to Dubai.

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Speaker 1: I want to have that luxury experience business or first class,

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Speaker 1: that luxury experience. I mean, I've flowed obviously first class

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Speaker 1: and this is before, but those are supposed to be

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Speaker 1: very high upscale airlines. So I'm currently like in these

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Speaker 1: ANX groups learning through people, how do I maximize the

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Speaker 1: points that I have in order to like not have

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Speaker 1: to pay for that girl because Baye, So through someone

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Speaker 1: else you get to maximize the lessons that you want

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Speaker 1: to learn. Why should you learn from scratch? That's why

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Speaker 1: you're here listening to about ambition. If you want to

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Speaker 1: do anything that has anything to do with financial wholeness,

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Speaker 1: that's budgeting, savings, debt, credit, income, investing for both retirement

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Speaker 1: and wealth, your net worth, insurance, your financial team, and

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Speaker 1: estate planning, any of those ten things. Child, That's why

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Speaker 1: I wrote the book Made Whole. It's the workbook version

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Speaker 1: of good with Money, right, and so looking for guidance

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Speaker 1: do not do it alone. Money is a team sport.

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Speaker 1: So finding people, tools and resources to help you get

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Speaker 1: to the goal, the financial goal that you need to

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Speaker 1: live the life that your January thirty first self is

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Speaker 1: like I did that? I did that? Does that make sense?

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Speaker 1: So one identify your January thirty first self what they

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Speaker 1: fin to say about how the year went? Cute. Two,

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Speaker 1: get yourself a guide. While you're out here by yourself,

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Speaker 1: it's getto out here, go ahead. Get you a partner.

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Speaker 1: When I used to teach free school, we would always

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Speaker 1: tell the kids hold your partner's hand. Right, you would

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Speaker 1: have to hold your partner's hand because if you was missing,

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Speaker 1: one of these kids is gonna be like, my partner's missing,

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Speaker 1: And I could be like Joahim, where are you, sir?

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Speaker 1: Why are you always behind? Right? So get yourself a partner.

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Speaker 1: I love an accountability partner. So that's like a little friend.

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Speaker 1: Friend that's going to walk you through well, that will

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Speaker 1: walk with you on your journey. They don't have to

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Speaker 1: know personal finance, but they're there to cheer you on

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Speaker 1: and hold you accountable and support you and share their

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Speaker 1: goals too. Right. But then you find somebody that's done

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Speaker 1: the thing you're wanting to do. Like, I don't know everything.

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Speaker 1: I lean into my financial advisor Angelie for certain things.

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Speaker 1: I lean into my my peers. You hear me talk

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Speaker 1: about Cabrella a lot. He's one of my business peers

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Speaker 1: that I bounce things off of. My friend Brandess of HFR,

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Speaker 1: I bounce things off of her. I lean into my

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Speaker 1: mentors Lynett, Cole, Boddy Cox, Sondra Davis of what is

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Speaker 1: it Stage Financial Right, and so like, these are my mentors.

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Speaker 1: And so I am quick to raise my hand and

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Speaker 1: say I need help. Let's get good at that. I

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Speaker 1: need help. I don't know, And it's okay finding those

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Speaker 1: people that are doing the thing you're wanting to do

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Speaker 1: and then following their lead. Some people you'll know personally

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Speaker 1: and some people just follow digitally. That's fine, okay. So

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Speaker 1: if you want the book, honey, go ahead and made

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Speaker 1: whole workbook can certainly help me with the financial part.

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Speaker 1: So that's the second part and the third part of

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Speaker 1: keeping these financial resolutions is building a community around you.

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Speaker 1: We work best in community. So when I said, like

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Speaker 1: looking for guidance, that's typically a person or a number

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Speaker 1: of people that have achieved the thing but the community

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Speaker 1: around you are like your family, your friends, your work friends,

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Speaker 1: your work husband whoever, your partner, your children, building this

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Speaker 1: community around you and sharing the things you're wanting to do,

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Speaker 1: you know. So for example, I was telling my sisters

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Speaker 1: I want us to go on a sister lunch date

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Speaker 1: once a month. So one, that's still a financial choice.

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Speaker 1: How much does that cost? How do we set that side?

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Speaker 1: Maybe we have like a sister account where, like you know,

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Speaker 1: the money goes there so that when when we pay,

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Speaker 1: we're just paying with one bill, but we've all contributed

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Speaker 1: to say like fifty bucks a month. I don't know,

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Speaker 1: child right, I was just thinking that. I was like, okay,

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Speaker 1: I want by December thirty. First that Tiffany says, like,

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Speaker 1: oh my gosh, I had, Like I mean, I hang

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Speaker 1: out my sisters all the time, but I intentionally had

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Speaker 1: at least twelve sister lunch dates with my sisters this year.

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Speaker 1: My friend Cabrell, who's one of my besties. Cabrel is

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Speaker 1: definitely my fancy friend, and he has a list of

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Speaker 1: places that he like. Cabrel's a foody, so he has

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Speaker 1: this list called Tiffany Eats. So we will go and

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Speaker 1: like to this really nice restaurant and eat good, honey,

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Speaker 1: because leave it up to me. Your girl doesn't have

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Speaker 1: a sophisticated pallet, at least not at first. But Cabrell

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Speaker 1: be like, girl, we're not eating there. Get yourself together,

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Speaker 1: like and so we have these amazing places that Cabrell,

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Speaker 1: I'm like, how did you find this place? So I

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Speaker 1: told Cabrell, Yo, I wanted on the calendar once a month,

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Speaker 1: on the calendar, like every third Thursday of the month

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Speaker 1: that we go out to dinner, or we choose a

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Speaker 1: place off the Tiffany Eats list because you are liabily

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Speaker 1: to get you are liable to get in the car

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Speaker 1: with Cabrel end up in Delaware and we live in

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Speaker 1: New Jersey. Hate don't mind driving. You're like, well, where

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Speaker 1: we going to eat today? I was taking Rhode Island.

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Speaker 1: You're like, what. But it's always fabulous, it's always fun,

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Speaker 1: it's always a time, honey. But that's also a financial

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Speaker 1: choice because how much does that cost? What does that

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Speaker 1: look like? Because we take it, we take turns treating

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Speaker 1: each other like I pay for one dinner, he picks

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Speaker 1: for the next dinner. So what does that look like?

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Speaker 1: You know? And so, but creating a community around you

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Speaker 1: to share. I want to do this thing. I have

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Speaker 1: something called Sunday Supper that I try to do. We

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Speaker 1: used to do a monthly, but now I'm trying to

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Speaker 1: do at least every other month. These are my family,

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Speaker 1: my friends, my neighbors. I invite them to the house.

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Speaker 1: I hire this amazing cook, chef Nishe that used to

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Speaker 1: cook for Jirella and I when he was here, and

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Speaker 1: Nisha will make food for Sunday Supper. And it's just

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Speaker 1: literally like a mini Thanksgiving every other month. But that cost?

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Speaker 1: What does that look like? You know? So these are

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Speaker 1: the things like you know, but as I have a

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Speaker 1: Sunday Supper group chat and we'll talk through it. Because

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Speaker 1: building community around your hopes, goals and dreams hold you

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Speaker 1: more accountable. So those are three things that will really

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Speaker 1: help you to make your financial resolution stick. Is that

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Speaker 1: you have to make it bigger than the resolution. One right,

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Speaker 1: just for recap, because you know, I'm a teacher. Plan

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Speaker 1: do review one right, identify your December thirty first self

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Speaker 1: and what they want holistically and match the money to that. Two,

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Speaker 1: get you some help, a guide whether it's made whole.

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Speaker 1: My new book whether it's this podcast someone or a

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Speaker 1: collection of someone that have accomplished the thing you want

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Speaker 1: to accomplish, Let them help you through it, whether it's

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Speaker 1: digitally or in person or whatever. And then three builds

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Speaker 1: community around that life you want to live, that goal

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Speaker 1: you want, and so they can hold you accountable and

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Speaker 1: you can keep them updated on your progress. Okay, Well,

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Speaker 1: hopefully that's a helpful child, because when we check in

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Speaker 1: December thirty, first, honey, I want to be like I

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Speaker 1: went here, I did this, I did Oh child to

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Speaker 1: be a time I can already tell. My sister Tracy

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Speaker 1: has already coined it. She said, twenty twenty four is

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Speaker 1: gonna be a banner year. A banner year meaning an

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Speaker 1: excellent year. My business is already cooking with grease, the

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Speaker 1: budget stas making coin already. We started the month of

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Speaker 1: January off strong. My personal life is looking cute, kai like,

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Speaker 1: my family and my friends super connected. And yeah, I'm

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Speaker 1: exploring the possibility of love again, don't ask me questions.

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Speaker 1: I just said it because he'd be listening, hey anyway.

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Speaker 1: And yeah, I just think twenty twenty four is gonna

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Speaker 1: be a banner year, and it can be for you too,

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Speaker 1: but it's intentional. These things happen intentionally, especially when you're grown.

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Speaker 1: All right, let's take a break, and I'm gonna do

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Speaker 1: a business question, honey, because y'all be asking me in

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Speaker 1: the corments and I we'll see you back in a

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Speaker 1: moment of as we pay some of these bills. I'm

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Speaker 1: back and blacker than ever. First of all, if you're

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Speaker 1: watching on YouTube, I'm not gonna lie. I'm loving this lip.

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Speaker 1: This is a combo. The problem with me is this

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Speaker 1: is my toxic trait. I will put together a lip

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Speaker 1: with like a mix of like you know, like I

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Speaker 1: use like a macliner. I couldn't tell you the name

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Speaker 1: I use. It was a lip bar, which is a

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Speaker 1: black on brand Hay Melissa Butler black on bland lip.

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Speaker 1: I don't even know what they call. Not that it's

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Speaker 1: not a lip gloss. It's not a lipstick child whatever

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Speaker 1: you know, lip color. And then I added some like

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Speaker 1: I don't know an N y X like in the middle.

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Speaker 1: I'm loving this color. But asked me to recreate it.

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Speaker 1: I can't because I forgot which ones I use. Anyway,

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Speaker 1: So get into the lip color, come feeling myself. So

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Speaker 1: we're back, right, for ba QA, and we're gonna do

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Speaker 1: a business question for the second half. How do you

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Speaker 1: plan to have a cause y'all know that one I mentor,

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Speaker 1: the girl is in business, and some of the guys,

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Speaker 1: Guy Lese. I've got about four thousand mentors over at

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Speaker 1: my men Tour Tiffany dot com. It's like twenty bucks

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Speaker 1: a month. We have a live session every month and

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Speaker 1: you do a live session with just the mentees, and

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Speaker 1: then we're also gonna be doing a live working session

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Speaker 1: once a month, so you get three live sessions a month,

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Speaker 1: and then all these tools and resources. Every Thursday, I

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Speaker 1: share a tool or resource that has helped my business

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Speaker 1: explode or at least stay alive. It's always awesome, sauce.

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Speaker 1: It's my mentor Tiffany dot com, and we use this

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Speaker 1: platform called Patreon. So there's a question that has come

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Speaker 1: up because twenty twenty three was hard for so many businesses,

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Speaker 1: so so many businesses, including my own. I had a

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Speaker 1: rough year, you know, like I probably made like one

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Speaker 1: third of what we used to make, Like and even

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Speaker 1: the budgeonista like this is how bad the year was.

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Speaker 1: Today I'm taking on Tuesday. Today is taxes Day, Like

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Speaker 1: if you have a big enough business, you're supposed to

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Speaker 1: pay taxes quarterly. So today is the quarterly tax payment

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Speaker 1: that's due for the end of the year, the end

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Speaker 1: of twenty twenty three, even though it's twenty twenty four,

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Speaker 1: you pay it in January. So I hit up my CFO.

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Speaker 1: I was a girl because usually she will send me

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Speaker 1: the tax money because I have an LLC as corp,

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Speaker 1: which means that the it's a pass through business. When

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Speaker 1: you have an LLC, that means that although you have

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Speaker 1: a business, the tax passes through to the individual, which

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Speaker 1: I am the individual, which means when taxes are due,

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Speaker 1: Tiffany has to pay taxes. So but I get my

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Speaker 1: tax money from my business. So if I owe thirty

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Speaker 1: thousand dollars this quarter, the business will give me the

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Speaker 1: thirty and I give it to the government, the state

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Speaker 1: and the federal government. So I was like, well, dang,

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Speaker 1: this is odd because George, my CFO, is usually on it.

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Speaker 1: So I messaged her, like, girl, you didn't give me

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Speaker 1: my tax money for the budgetista girl? The girl said,

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Speaker 1: what we made is what we spent. Girl, we ain't

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Speaker 1: make no money. I'll say, say, what, ah right. So

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Speaker 1: normally you pay taxes in a business on what's left over.

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Speaker 1: So let's just say you made a million dollars now,

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Speaker 1: but she spent a million. Ooh, you really supposed to

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Speaker 1: pay tax on what's left over. There's nothing left over,

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Speaker 1: so you don't pay taxes. If you made a million

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Speaker 1: and you spend five hundred thousand, then you're going to

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Speaker 1: pay taxes on the five hundred thousand. What we made

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Speaker 1: is basically what we spent, because I did pay taxes

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Speaker 1: throughout the year quarterly, but she basically like girl, we

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Speaker 1: was like net net even aka, we didn't really make

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Speaker 1: no money, you know, like I mean, of course, we

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Speaker 1: made enough to pay bills and pay my salary and

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Speaker 1: pay the salaries of other employees and things like that.

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Speaker 1: But usually this excess and I usually get a big

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Speaker 1: old tax bill, even quarterly. Typically my tax bill quarterly.

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Speaker 1: Sometimes it's supports of six figures for the quarter. I said, damn,

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Speaker 1: it was a beatty honey, so much so that we

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Speaker 1: started off with six months worth of emergency savings, and

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Speaker 1: by December we were down to one month because we

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Speaker 1: lived off our savings. So I'm just sharing this candidly

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Speaker 1: because every year and cute but you live to see

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Speaker 1: another day if you smart. So how do you maximize

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Speaker 1: twenty twenty four if you do have a business, okay,

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Speaker 1: gather around children. One that if you do have a

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Speaker 1: banner year in twenty twenty four, which I'm claiming it,

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Speaker 1: because we already started off strong, like the Bunjanista has

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Speaker 1: already made like it's the money it needs for six months,

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Speaker 1: which is great. But I know this, and so I

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Speaker 1: inherently trying to refill our emergency savings because for the

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Speaker 1: first time we leaned on it so heavily. We've never

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Speaker 1: done that before. But during twenty twenty, when the pandemic

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Speaker 1: was making all the businesses all juicy and good, I said, girl,

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Speaker 1: you made ten million dollars this year. That's cute. But

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Speaker 1: guess what, I suspect that this is going to be

424
00:22:33,800 --> 00:22:35,960
Speaker 1: a great year, which means a not so great year

425
00:22:36,240 --> 00:22:39,920
Speaker 1: might be coming. Twenty twenty best year ever, twenty twenty three,

426
00:22:40,240 --> 00:22:43,919
Speaker 1: worst year ever. Thankfully, I understood that twenty twenty twenties

427
00:22:44,000 --> 00:22:47,000
Speaker 1: earnings were supposed to also pay for when the worst

428
00:22:47,080 --> 00:22:50,320
Speaker 1: year came. So I had the six months of emergency

429
00:22:50,320 --> 00:22:55,520
Speaker 1: savings of operating expenses and operating expenses, meaning payroll, like

430
00:22:55,840 --> 00:22:58,840
Speaker 1: any kind of like you know, like any kind of bills,

431
00:22:59,000 --> 00:23:02,320
Speaker 1: like you know you have Facebook ads, you know, we

432
00:23:02,359 --> 00:23:07,800
Speaker 1: have like website, platforms, domain, all the stuff it costs,

433
00:23:07,800 --> 00:23:10,600
Speaker 1: it costs to run of business. And so we had

434
00:23:10,640 --> 00:23:13,359
Speaker 1: six months of that saved. So if you happen to

435
00:23:13,359 --> 00:23:16,840
Speaker 1: have a good year, I say, you want to have

436
00:23:17,720 --> 00:23:21,919
Speaker 1: ideally about six months saved or more in business. You know,

437
00:23:23,560 --> 00:23:26,640
Speaker 1: I only knew to do that because about God's great.

438
00:23:26,680 --> 00:23:29,359
Speaker 1: So during the pandemic, we had that, like I said,

439
00:23:29,359 --> 00:23:31,800
Speaker 1: our banner year where we made over ten million dollars

440
00:23:32,080 --> 00:23:35,240
Speaker 1: or about ten million dollars in business, right, yeah, ten million, right,

441
00:23:35,280 --> 00:23:37,000
Speaker 1: And it was like, you know, we had a lot

442
00:23:37,000 --> 00:23:38,920
Speaker 1: of profit. It wasn't like we made ten We spent ten.

443
00:23:40,440 --> 00:23:45,000
Speaker 1: And I remember reading in that year that Microsoft had

444
00:23:45,240 --> 00:23:48,840
Speaker 1: one year's worth of operating expenses saved. And I said, huh.

445
00:23:48,920 --> 00:23:51,520
Speaker 1: Because your girl likes to read, here's the thing about

446
00:23:52,359 --> 00:23:55,480
Speaker 1: business and just life and growth. You need to take

447
00:23:55,520 --> 00:24:00,439
Speaker 1: a look. It's in a book. It's reading rainboo. Go

448
00:24:00,480 --> 00:24:02,680
Speaker 1: ahead on and get your read on. You know, even

449
00:24:02,760 --> 00:24:06,119
Speaker 1: if it's audible, I don't care what it is. Read.

450
00:24:06,600 --> 00:24:09,560
Speaker 1: The information is there. So I'd read this article and

451
00:24:09,560 --> 00:24:12,760
Speaker 1: it said, hey, you know, although, like you know, business

452
00:24:12,760 --> 00:24:15,520
Speaker 1: is booming for so many people, Microsoft has decided to

453
00:24:15,560 --> 00:24:19,119
Speaker 1: save one year's worth of operating expenses just to see

454
00:24:19,240 --> 00:24:21,000
Speaker 1: because they weren't sure how the pandemic was going to

455
00:24:21,040 --> 00:24:24,720
Speaker 1: play out. And I said, well, then, if Microsoft is

456
00:24:24,720 --> 00:24:27,040
Speaker 1: saving a year, how much do we have saved? I

457
00:24:27,040 --> 00:24:29,760
Speaker 1: had never really checked, and I knew we had emergency savings,

458
00:24:29,800 --> 00:24:32,919
Speaker 1: but it wasn't a priority because things was good. So

459
00:24:33,000 --> 00:24:34,840
Speaker 1: I reached out to my CFO, Shanta at the time.

460
00:24:34,880 --> 00:24:36,560
Speaker 1: I said, girl, how much do we have saved? She

461
00:24:36,600 --> 00:24:39,040
Speaker 1: said like two and a half months. I said that

462
00:24:39,119 --> 00:24:42,639
Speaker 1: feels light, and she was like yeah, because we had

463
00:24:42,680 --> 00:24:44,720
Speaker 1: never really needed, like in fifteen years. By then it

464
00:24:44,760 --> 00:24:46,560
Speaker 1: was like thirteen years. We had never really need to

465
00:24:46,560 --> 00:24:49,320
Speaker 1: dip into emergency savings maybe like a month and then

466
00:24:49,359 --> 00:24:51,200
Speaker 1: put it right back. And I said, I feel like

467
00:24:51,240 --> 00:24:53,960
Speaker 1: I want to get to a year, and she said okay,

468
00:24:54,880 --> 00:24:57,920
Speaker 1: and so we aggressively started saving when things were really good,

469
00:24:57,920 --> 00:25:00,240
Speaker 1: and we got to six months and I felt like, actually,

470
00:25:00,280 --> 00:25:02,960
Speaker 1: six months feels good because a year feels a little excessive.

471
00:25:03,800 --> 00:25:06,520
Speaker 1: Thank good because three years later, a guess who was

472
00:25:06,640 --> 00:25:11,400
Speaker 1: living off that lamb okay, And so I just say

473
00:25:11,400 --> 00:25:12,960
Speaker 1: all that to say that in twenty twenty four, if

474
00:25:13,000 --> 00:25:14,840
Speaker 1: you do have a good year and you have a

475
00:25:14,920 --> 00:25:20,240
Speaker 1: business set aside, like ask yourself or your bookkeeper or

476
00:25:20,280 --> 00:25:23,920
Speaker 1: your accounting or whoever's managing your finances, how much does

477
00:25:23,960 --> 00:25:27,040
Speaker 1: my company cost me to run monthly and make it

478
00:25:27,119 --> 00:25:30,080
Speaker 1: your business to work toward getting to at least six

479
00:25:30,160 --> 00:25:34,320
Speaker 1: months of emergency savings. Okay, you might not need it

480
00:25:34,320 --> 00:25:36,720
Speaker 1: in a year, two years, four years, but one day

481
00:25:36,760 --> 00:25:39,320
Speaker 1: you're gonna need it. And I know so many of

482
00:25:39,320 --> 00:25:42,960
Speaker 1: my friends small businesses closed down in twenty twenty three

483
00:25:43,280 --> 00:25:45,920
Speaker 1: because they did not have the backup. You know, thank

484
00:25:45,960 --> 00:25:49,200
Speaker 1: god we had the backup. Or I had friends that literally,

485
00:25:49,520 --> 00:25:50,760
Speaker 1: Like I had a friend I was talking to the

486
00:25:50,760 --> 00:25:53,600
Speaker 1: other day. She took the money from her personal account,

487
00:25:53,960 --> 00:25:57,919
Speaker 1: from her retirement account to save the business, you know,

488
00:25:57,960 --> 00:26:00,640
Speaker 1: because she didn't have the backup. I would have done

489
00:26:00,680 --> 00:26:02,560
Speaker 1: that too. Like, let's just say the Budgeaniessa had such

490
00:26:02,600 --> 00:26:05,399
Speaker 1: a bad year, we had no savings. Tiffany has money,

491
00:26:06,000 --> 00:26:08,119
Speaker 1: and Tiffany could have let the budgeaniese to money. But

492
00:26:08,160 --> 00:26:10,960
Speaker 1: who want to do that? Because if I take money

493
00:26:10,960 --> 00:26:14,480
Speaker 1: out of my investment accounts. Meanwhile, the market rallied the

494
00:26:14,600 --> 00:26:16,840
Speaker 1: last quarter of the year, so I would have missed

495
00:26:16,840 --> 00:26:19,880
Speaker 1: out on that earning, but I didn't because your girl

496
00:26:19,920 --> 00:26:23,679
Speaker 1: was what ready? Okay, So one that you know, if

497
00:26:23,680 --> 00:26:25,320
Speaker 1: you have a bandoned year, you want to see yourself

498
00:26:25,320 --> 00:26:27,679
Speaker 1: through for twenty twenty four. In business, make sure that

499
00:26:27,760 --> 00:26:33,119
Speaker 1: you set aside money for emergencies. Okay, that's one. Two.

500
00:26:34,560 --> 00:26:40,240
Speaker 1: I believe that there is a shift happening that people

501
00:26:40,320 --> 00:26:43,080
Speaker 1: are wanting to engage in person. So if you have

502
00:26:43,119 --> 00:26:47,000
Speaker 1: a business, ask yourself, how can you create a more

503
00:26:47,080 --> 00:26:51,040
Speaker 1: hybrid approach? Because everyone has been digital, digital, social, social, social,

504
00:26:51,240 --> 00:26:56,240
Speaker 1: yeah yeah, yeah, But the thing is social is passive engagement. Right,

505
00:26:56,320 --> 00:26:59,040
Speaker 1: So if I tell you on social media sign up

506
00:26:59,040 --> 00:27:01,879
Speaker 1: for a thing, let's just say one or two percent

507
00:27:02,320 --> 00:27:04,600
Speaker 1: might sign up. But if you are in person with me,

508
00:27:04,800 --> 00:27:07,159
Speaker 1: sitting in a room, and I say, everybody, whip out

509
00:27:07,160 --> 00:27:10,000
Speaker 1: your phones, who are all gonna sign up for this thing? Now,

510
00:27:10,040 --> 00:27:12,199
Speaker 1: all of a sudden, you increase to sixty seventy percent.

511
00:27:12,960 --> 00:27:15,200
Speaker 1: And I have just been really contemplating on this because

512
00:27:15,200 --> 00:27:20,119
Speaker 1: I'm seeing that less and less the engagement is yielding

513
00:27:20,200 --> 00:27:24,520
Speaker 1: less and less results. Like digital engagement, and that if

514
00:27:24,520 --> 00:27:29,080
Speaker 1: you're not integrating some sort of interpersonal, in person component

515
00:27:29,119 --> 00:27:31,880
Speaker 1: to your business in your community, if you're building community

516
00:27:31,880 --> 00:27:34,560
Speaker 1: in business, which you ought to, then you might miss

517
00:27:34,640 --> 00:27:37,440
Speaker 1: out because there is this pendulum swing and people are

518
00:27:37,480 --> 00:27:41,680
Speaker 1: exhausted and lonely by digital only. I'm gonna say that

519
00:27:41,720 --> 00:27:44,640
Speaker 1: again because I was a bar. People are exhausted and

520
00:27:44,800 --> 00:27:49,000
Speaker 1: lonely by digital only, and so just consider that, Like,

521
00:27:49,000 --> 00:27:51,199
Speaker 1: that's why I started to do wealth walks. If you're

522
00:27:51,240 --> 00:27:54,080
Speaker 1: one of my Patreon members for my mentor Tiffany dot

523
00:27:54,119 --> 00:27:56,440
Speaker 1: com where I mentor, I said, we have about four

524
00:27:56,440 --> 00:28:00,879
Speaker 1: thousand mentees right there right started last year, we did

525
00:28:00,920 --> 00:28:05,080
Speaker 1: about seven mente dinners where if I had a speaking engagement,

526
00:28:05,080 --> 00:28:06,960
Speaker 1: I would say, hey, I'm going to be in Dallas

527
00:28:07,040 --> 00:28:10,120
Speaker 1: or DC or atlant or whatever, and I would invite.

528
00:28:10,200 --> 00:28:12,600
Speaker 1: I would have an open invitation and I'd say we

529
00:28:12,640 --> 00:28:14,520
Speaker 1: can max out about twenty people because that's what the

530
00:28:14,560 --> 00:28:16,520
Speaker 1: restaurant would allow without trying to charge it some sort

531
00:28:16,560 --> 00:28:19,919
Speaker 1: of like event fee. So we would meet up and

532
00:28:20,160 --> 00:28:23,399
Speaker 1: it made it really powerful because I noticed that the

533
00:28:23,520 --> 00:28:27,159
Speaker 1: churn rate for the mentees. Just business speak, churn is

534
00:28:27,200 --> 00:28:29,800
Speaker 1: the amount of people that you lose monthly if you

535
00:28:29,880 --> 00:28:32,760
Speaker 1: have a subscription. Right. Sometimes people leave because they don't

536
00:28:32,760 --> 00:28:35,439
Speaker 1: like the service. Sometimes people leave because they're not using it.

537
00:28:35,480 --> 00:28:39,600
Speaker 1: Sometimes people leave because their credit card just got declined. Whatever. Right,

538
00:28:39,800 --> 00:28:43,480
Speaker 1: so churn, So I'll give you an example. Like last

539
00:28:43,480 --> 00:28:44,920
Speaker 1: time I check, I think it was Spotify had a

540
00:28:45,000 --> 00:28:48,320
Speaker 1: churn rate about nine ten percent, meaning that every month

541
00:28:48,400 --> 00:28:52,240
Speaker 1: about ten percent of people leave, right, And so my

542
00:28:52,480 --> 00:28:57,280
Speaker 1: churn rate at Patreon was so low it was like

543
00:28:57,400 --> 00:29:01,240
Speaker 1: under three percent, meaning people were coming and staying, and

544
00:29:01,840 --> 00:29:04,800
Speaker 1: three percent was more or less people whose credit cards

545
00:29:04,800 --> 00:29:06,320
Speaker 1: just got declined and we could just tap them on

546
00:29:06,320 --> 00:29:10,240
Speaker 1: the shoulder. Why were people staying and saying? I love

547
00:29:10,240 --> 00:29:14,360
Speaker 1: being Tiffany's mentee because I think in large part because

548
00:29:14,400 --> 00:29:18,240
Speaker 1: there was this connection in person. I did about seven meetups,

549
00:29:18,520 --> 00:29:22,240
Speaker 1: so seven times twenty people. Don't give me the line?

550
00:29:22,280 --> 00:29:27,040
Speaker 1: What is that? One hundred and forty people? Eh, you know,

551
00:29:27,040 --> 00:29:31,000
Speaker 1: I'm over here trying to take out my calculator. Child, ooh,

552
00:29:31,040 --> 00:29:32,840
Speaker 1: my Ramin is here, child, We're about to wrap up.

553
00:29:33,880 --> 00:29:37,920
Speaker 1: Seven times twenty people. One hundred and forty people, yes,

554
00:29:38,320 --> 00:29:42,880
Speaker 1: one hundred and forty people, right plus right, But so

555
00:29:42,920 --> 00:29:45,440
Speaker 1: it's not just that because the people the energy that

556
00:29:45,480 --> 00:29:47,600
Speaker 1: you build when people are in person. They then go

557
00:29:47,720 --> 00:29:51,000
Speaker 1: back to the group and say, because we have like

558
00:29:51,040 --> 00:29:52,760
Speaker 1: I said, we have a monthly meetup where you guys

559
00:29:52,800 --> 00:29:55,960
Speaker 1: can see each other for that's part of being my mentee,

560
00:29:56,520 --> 00:29:59,520
Speaker 1: and the mentees kind of like network every month together.

561
00:30:00,080 --> 00:30:02,520
Speaker 1: And then we have a monthly lesson with me that

562
00:30:02,600 --> 00:30:04,240
Speaker 1: I teach a live and then you guys are going

563
00:30:04,280 --> 00:30:06,400
Speaker 1: to start to have a working session every month too.

564
00:30:06,560 --> 00:30:10,600
Speaker 1: So anyway, now the girls in those sessions be like chih,

565
00:30:10,640 --> 00:30:13,480
Speaker 1: I met Tiffy last week. It was amazing, and you

566
00:30:13,560 --> 00:30:17,360
Speaker 1: know what I learned. You now have these like amazing

567
00:30:17,520 --> 00:30:21,160
Speaker 1: cheerleaders who are like they advocate for you, like, no,

568
00:30:21,200 --> 00:30:23,840
Speaker 1: not my tify, don't talk about my budgetista, you know.

569
00:30:24,280 --> 00:30:29,040
Speaker 1: And so I am exploring that more about because I've

570
00:30:29,200 --> 00:30:32,200
Speaker 1: gotten really good at building community, but I want to

571
00:30:32,240 --> 00:30:36,680
Speaker 1: make sure that I'm providing enough in person interaction for community.

572
00:30:36,800 --> 00:30:40,680
Speaker 1: So I suggest you do the same ease and then, last,

573
00:30:40,720 --> 00:30:42,480
Speaker 1: but not least, this is something that I'm going to

574
00:30:42,520 --> 00:30:46,160
Speaker 1: be exploring more and more for twenty twenty four. Is

575
00:30:46,600 --> 00:30:48,280
Speaker 1: so I went to I told you, I went to

576
00:30:48,320 --> 00:30:52,000
Speaker 1: the conference in South Carolina, the Healthy Wealthy Wives Conference

577
00:30:52,240 --> 00:30:55,280
Speaker 1: by Karen Hunter, who's amazing. She's got this amazing podcast,

578
00:30:55,360 --> 00:30:58,600
Speaker 1: the Karen Hunter Show that I'm on every month, and

579
00:30:58,640 --> 00:31:00,520
Speaker 1: so it was my first time going to that conference.

580
00:31:00,800 --> 00:31:04,760
Speaker 1: It was in South Carolina on Kiewaka something island, which

581
00:31:04,800 --> 00:31:06,880
Speaker 1: is a sea island. So South Carolina has all these

582
00:31:06,920 --> 00:31:09,240
Speaker 1: islands like outside of it, and it was one of

583
00:31:09,280 --> 00:31:11,720
Speaker 1: those islands. And it was dropped at gorgeous. I ain't

584
00:31:11,760 --> 00:31:14,520
Speaker 1: never seen it. When I say gorgeous, I was like Mexico,

585
00:31:14,840 --> 00:31:18,680
Speaker 1: Puerto Rico gorgeous. And the resort, the Kiahwaka or whatever

586
00:31:18,880 --> 00:31:21,960
Speaker 1: it was called resort, was absolutely studying. I had three

587
00:31:22,000 --> 00:31:25,080
Speaker 1: balconies in my room. It was a sitting room that

588
00:31:25,240 --> 00:31:26,920
Speaker 1: was as big as like a New York City apartment,

589
00:31:26,920 --> 00:31:29,520
Speaker 1: and then a bedroom and two full baths, and the

590
00:31:30,520 --> 00:31:33,000
Speaker 1: master bath was so big that you opened it with

591
00:31:33,040 --> 00:31:39,000
Speaker 1: two doors. Child your girl was living living. It was amazing.

592
00:31:39,320 --> 00:31:42,640
Speaker 1: So I went there and I thought to myself, you

593
00:31:42,760 --> 00:31:45,200
Speaker 1: might be like, who's Karen Hunter, but I get Let

594
00:31:45,240 --> 00:31:47,480
Speaker 1: me tell you who knows who Karen Hunter is her audience.

595
00:31:49,000 --> 00:31:51,480
Speaker 1: I took away this amazing lesson when I was looking

596
00:31:51,520 --> 00:31:55,040
Speaker 1: around and the ticket to go and I could say

597
00:31:55,080 --> 00:31:56,480
Speaker 1: this because I mean, if you go online, try to

598
00:31:56,480 --> 00:31:59,000
Speaker 1: buy it. The ticket to go to Healthy Wealthy Wives

599
00:31:59,120 --> 00:32:01,560
Speaker 1: was about twenty one hundred dollars. Right. That doesn't include

600
00:32:01,600 --> 00:32:03,840
Speaker 1: your flight because she can't pay for your flight, So

601
00:32:03,880 --> 00:32:07,120
Speaker 1: twenty one hundred dollars right time, she had about like

602
00:32:07,160 --> 00:32:09,520
Speaker 1: two hundred and twenty people there. I'm sorry, Karen, I'm

603
00:32:09,520 --> 00:32:12,000
Speaker 1: not trying to clock your peg, but you know, right,

604
00:32:12,080 --> 00:32:15,240
Speaker 1: so twenty one hundred dollars two one hundred times two

605
00:32:15,320 --> 00:32:18,200
Speaker 1: hundred and twenty two people give her take, that's four

606
00:32:18,280 --> 00:32:25,240
Speaker 1: hundred and sixty two thousand dollars. Hello, hello, somebody? Right,

607
00:32:25,600 --> 00:32:29,720
Speaker 1: So that's almost half a million dollars. I'm gonna let

608
00:32:29,760 --> 00:32:32,200
Speaker 1: that sink in. That's almost half a million dollars. And

609
00:32:32,240 --> 00:32:34,880
Speaker 1: you might be saying, who is Karen Hunter? Right? You

610
00:32:34,960 --> 00:32:37,160
Speaker 1: might not know her. A lot of people do, but

611
00:32:37,320 --> 00:32:39,360
Speaker 1: you might not know her. You know. The lessons that

612
00:32:39,360 --> 00:32:43,120
Speaker 1: I learned is car plus. When I went there, Karen

613
00:32:44,360 --> 00:32:47,800
Speaker 1: has t shirts and sweatshirts, and I saw the shirt

614
00:32:47,880 --> 00:32:50,040
Speaker 1: so much that I literally was like, did I miss

615
00:32:50,080 --> 00:32:53,200
Speaker 1: it during registration? Where's my shirt? Where's my registration shirt?

616
00:32:53,360 --> 00:32:55,080
Speaker 1: So I asked, I said, I didn't get a regetration shirt.

617
00:32:55,120 --> 00:32:58,040
Speaker 1: She's like, girl, that's not a registration shirt. I did

618
00:32:58,040 --> 00:32:59,600
Speaker 1: a drop. I do a number of drops through the

619
00:32:59,680 --> 00:33:03,800
Speaker 1: year where I sell like merch. Her audience was so

620
00:33:03,840 --> 00:33:06,840
Speaker 1: engaged that they brought the merch with them that they

621
00:33:06,840 --> 00:33:10,200
Speaker 1: bought throughout the year and war at the conference, I

622
00:33:10,280 --> 00:33:11,800
Speaker 1: sell a hold on, hold On, hold on, hold on.

623
00:33:12,560 --> 00:33:15,200
Speaker 1: So I'm just watching in awe and amazement at how

624
00:33:15,280 --> 00:33:19,640
Speaker 1: engaged like her people. They half of them had my

625
00:33:19,640 --> 00:33:22,120
Speaker 1: book because I'm on Karen Hunter once a month. Everybody

626
00:33:22,200 --> 00:33:25,000
Speaker 1: knew me. Hey, girl, loved your last segment. I got

627
00:33:25,000 --> 00:33:26,760
Speaker 1: you your book? Can I signed it? Can you sign

628
00:33:26,800 --> 00:33:29,080
Speaker 1: it for me? Meanwhile, I was not even speaking at

629
00:33:29,080 --> 00:33:31,440
Speaker 1: her conference. You know, they knew I was coming because

630
00:33:31,440 --> 00:33:33,280
Speaker 1: I was a special guest just to attend. But I

631
00:33:33,320 --> 00:33:36,240
Speaker 1: wasn't even speaking. And a light bulb went on that

632
00:33:36,480 --> 00:33:40,800
Speaker 1: Karen has done this excellent job of not trying to

633
00:33:40,840 --> 00:33:44,480
Speaker 1: get more congregation members. Instead she has turned around and

634
00:33:44,600 --> 00:33:47,800
Speaker 1: she preaches to the choir. I'm gonna let that so again.

635
00:33:49,800 --> 00:33:52,600
Speaker 1: Sometimes in business, we are so busy trying to get

636
00:33:52,720 --> 00:33:56,240
Speaker 1: new customers that we are not taking amazing care of

637
00:33:56,280 --> 00:33:59,600
Speaker 1: our current existing customers. And I am guilty of this,

638
00:34:00,560 --> 00:34:02,640
Speaker 1: always out trying to get new, new, new, new new

639
00:34:03,160 --> 00:34:07,040
Speaker 1: sis you have ten fifteen, one hundred, one thousand, one

640
00:34:07,080 --> 00:34:11,240
Speaker 1: hundred thousand, whatever it is people already in your audience.

641
00:34:11,719 --> 00:34:14,239
Speaker 1: Are you loving on them so good and treating them

642
00:34:14,320 --> 00:34:16,160
Speaker 1: so good and making sure they have all the tools

643
00:34:16,160 --> 00:34:18,680
Speaker 1: and resources and access and da da da that when

644
00:34:18,719 --> 00:34:21,800
Speaker 1: it's time for you to drop a tool or resource

645
00:34:22,160 --> 00:34:25,399
Speaker 1: that they're like, girl, here is my money. I bet

646
00:34:25,480 --> 00:34:28,080
Speaker 1: you're not, because I know I'm not. So for twenty

647
00:34:28,120 --> 00:34:31,480
Speaker 1: twenty four, I'm gonna be loving the hell out of y'all. Okay,

648
00:34:32,400 --> 00:34:37,160
Speaker 1: that I already have enough people in my audience that

649
00:34:37,320 --> 00:34:40,120
Speaker 1: I already treat y'all good. But I'm not as intentional

650
00:34:40,200 --> 00:34:42,000
Speaker 1: as I ought to be. I would say I was

651
00:34:42,000 --> 00:34:46,319
Speaker 1: doing fifty percent new people, fifty percent y'all. I'm doing

652
00:34:46,360 --> 00:34:49,640
Speaker 1: thirty percent new people and seventy percent what y'all need,

653
00:34:49,760 --> 00:34:51,879
Speaker 1: What y'all want? How can I help? What do you want?

654
00:34:51,960 --> 00:34:54,560
Speaker 1: Da da da da. You do that, and you don't

655
00:34:54,600 --> 00:34:56,920
Speaker 1: have to work nearly as hard if you take care

656
00:34:56,960 --> 00:35:00,160
Speaker 1: of the people who are already here. You already have

657
00:35:00,320 --> 00:35:02,400
Speaker 1: people in your audience, if you've taken the time to

658
00:35:02,400 --> 00:35:07,080
Speaker 1: build community in business. And if you do that, child, geez, like,

659
00:35:07,200 --> 00:35:10,320
Speaker 1: your business is gonna be popping for twenty twenty four. Okay,

660
00:35:10,640 --> 00:35:12,960
Speaker 1: so what do we learn about how to make the

661
00:35:13,000 --> 00:35:16,080
Speaker 1: most out of twenty twenty four? One get your savings

662
00:35:16,160 --> 00:35:20,319
Speaker 1: up right. Two I forgot the second with that, that's it, child,

663
00:35:20,400 --> 00:35:24,600
Speaker 1: my memories. Oh. Two, integrate some in person things. Okay,

664
00:35:24,600 --> 00:35:26,279
Speaker 1: the girls want to touch on people and love on

665
00:35:26,360 --> 00:35:28,560
Speaker 1: people and love on people and see you in person.

666
00:35:28,920 --> 00:35:35,120
Speaker 1: And then three focus on your current community right, speak

667
00:35:35,160 --> 00:35:38,160
Speaker 1: to the choir, not so much new congregation members. You

668
00:35:38,200 --> 00:35:39,839
Speaker 1: do that for twenty twenty four, I'm gonna do it.

669
00:35:40,080 --> 00:35:42,520
Speaker 1: Watch how twenty twenty four. I'm already started to do

670
00:35:42,560 --> 00:35:44,800
Speaker 1: it just a little bit. When I tell you, January

671
00:35:44,840 --> 00:35:47,319
Speaker 1: of last year, I don't remember what we made. It

672
00:35:47,440 --> 00:35:50,120
Speaker 1: was like next to nothing, cause January be slow sometimes.

673
00:35:51,400 --> 00:35:54,440
Speaker 1: This year already we've already made, like within the first

674
00:35:54,480 --> 00:35:58,080
Speaker 1: two weeks multiple six figures and not like with no ads,

675
00:35:58,200 --> 00:36:03,440
Speaker 1: run with no new stuff, really just focusing our current

676
00:36:03,920 --> 00:36:06,279
Speaker 1: audience and saying you want this thing that I've been

677
00:36:06,360 --> 00:36:09,440
Speaker 1: at and just letting you know what even existed. Multiple

678
00:36:09,480 --> 00:36:13,640
Speaker 1: six figures already. I'm like, gosh, start it who chall

679
00:36:13,840 --> 00:36:17,200
Speaker 1: So I hope that was a lesson for you. If

680
00:36:17,200 --> 00:36:20,960
Speaker 1: you'd like to ask any business question, career question, financial question,

681
00:36:21,120 --> 00:36:27,240
Speaker 1: or otherwise, slide into our dmsr ID at Branna Vision Podcast.

682
00:36:27,280 --> 00:36:30,160
Speaker 1: And also you can go to brownivisionpodcast dot com. Please

683
00:36:30,239 --> 00:36:33,040
Speaker 1: please please leave us a review if you find what

684
00:36:33,080 --> 00:36:35,640
Speaker 1: we're sharing so great. Like I said, if you want

685
00:36:35,640 --> 00:36:37,720
Speaker 1: to be my mentee, you can go to my mentor

686
00:36:37,800 --> 00:36:40,000
Speaker 1: Tiffany dot com. We'll put the link in the description

687
00:36:40,040 --> 00:36:43,120
Speaker 1: of the show notes for you. Also, my book Made Whole,

688
00:36:43,160 --> 00:36:45,359
Speaker 1: we'll do that too, Maid Whole Workbook dot com if

689
00:36:45,360 --> 00:36:48,080
Speaker 1: you want to get on financial track. But yeah, we'll

690
00:36:48,080 --> 00:36:50,960
Speaker 1: see you next week. Well, I'm gonna be here. I

691
00:36:51,000 --> 00:36:53,120
Speaker 1: was gonna say, I'm coming back from Puerto Rico on Sunday,

692
00:36:53,600 --> 00:36:58,960
Speaker 1: so it's cute, So I'll be here all right. Bye,