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Speaker 1: Mandra, Do you know what I need? I need to

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Speaker 1: walk in these streets in my BA swag. You know

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Speaker 1: what I'm really looking forward to? First of all, be

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Speaker 1: your own Brown Boost. What an awesome phrase. I cannot

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Speaker 1: wait to wear that on my chest like Superman. And

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Speaker 1: what I'm really excited for, though, is I am a

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Speaker 1: sweatshirt and like hoodie girl. So the classic Brown Ambition

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Speaker 1: logo sweatshirt has my name all over it.

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Speaker 2: But where can I go? Where can I find it?

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Speaker 3: I was hoping you would ask Young Tiffany. Tiffany, get

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Speaker 3: your Brown Ambition swag at Brown Ambitionstore dot com. Five

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Speaker 3: years in the game, we finally have merch for you guys.

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Speaker 3: So get your Brown Ambition hoodie, your Brown Ambition crew

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Speaker 3: neck tea, get a onesie for your littles. We got

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Speaker 3: toddler teas. Oh my goodness, there's something for everyone. Be

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Speaker 3: your own Brown Boost T shirt for sure. We have

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Speaker 3: a Brown Ambition mug, which my family is most excited about.

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Speaker 3: I had to do the fifteen out size for my

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Speaker 3: big sister because she drinks coffee like nobody's business.

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Speaker 2: Oh you know, I'm the budgetish to write any special offer.

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Speaker 3: Oh I'm also very glad you asked that question, Tiffany. Yes,

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Speaker 3: with Brown Ambition fifteen, that's promo code Brown Ambition fifteen

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Speaker 3: all one word, you can get fifteen percent off your

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Speaker 3: order at Brown ambitionstore dot com.

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Speaker 1: I can't wait to see y'all in these BA streets

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Speaker 1: repping BA bam with your BA swag. Hey, Hey, hey,

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Speaker 1: I'm like, so, what do you think our future selves

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Speaker 1: are feeling right now?

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Speaker 3: I don't know how are you guys? Are you like, okay,

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Speaker 3: it's so bizarre. Yeah, I do feel like we're talking

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Speaker 3: to the future. I mean, or we could just be

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Speaker 3: in the same damn spot we are now. Maybe are we?

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Speaker 3: I'm gonna I hope that we're, but we could also

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Speaker 3: be uncertain.

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Speaker 1: Still, Yes, this is very true, because the future, it's

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Speaker 1: so guys. We tape typically Manday and I tape our

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Speaker 1: podcast on Mondays and then they don't go a lot

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Speaker 1: to Wednesday, And for those of you in the future,

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Speaker 1: yesterday was the election, and so we might not know.

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Speaker 1: It's Wednesday, so we might not know the outcome.

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Speaker 3: Yeah, I know how many atavand tablets I have left

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Speaker 3: to get me through these next twenty four hours. I

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Speaker 3: know that much. I counted them this morning.

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Speaker 1: I know how much toilet issue I have because has

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Speaker 1: been obsessively texting make sure you have all your mix,

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Speaker 1: make sure you have all toilet tissues and your food

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Speaker 1: and your water and yet this, and make sure you

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Speaker 1: lock the doors because apparently, you know, if we normally

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Speaker 1: sleep at the doors wide open, while we locked doors,

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Speaker 1: I'm like, Mommy, we locked the doors out of back on.

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Speaker 3: A basis they're coming for you.

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Speaker 2: Well, it was, I guess.

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Speaker 3: It wasn't until today that someone mentioned businesses have been

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Speaker 3: boarding up. And you know, here in New York, Trump

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Speaker 3: supporters shut down for a little bit. One of the

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Speaker 3: major bridges near actually the ten minutes from where we live,

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Speaker 3: the Mario Cuomo Bridge, and that freaked me out that

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Speaker 3: they just stop traffic for no good goddamn reason.

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Speaker 2: Saw well, you know, wait, okay.

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Speaker 3: Yeah, yeah, it's just and today the feeling at work

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Speaker 3: was super dense, and I felt I felt like as

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Speaker 3: a manager I needed to just bring some like just

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Speaker 3: be positive, just try so. I like, played music, I

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Speaker 3: made jokes, try to make a jerk of myself, like

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Speaker 3: make them, you know, just make fun because you know,

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Speaker 3: you can just tell everyone is on edge.

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Speaker 2: Yeah, because it's scary times, honestly.

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Speaker 3: It really is. And but I do feel the sense

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Speaker 3: of personally, I can sleep knowing I did everything I

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Speaker 3: had the time and the bandwidth in the mental you know,

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Speaker 3: space to do in terms of help encouraging family to

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Speaker 3: get out and vote, help making sure that I got

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Speaker 3: myself to vote, my husband, his family, you know. And

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Speaker 3: I feel like at this point, we just got to

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Speaker 3: see what happens, you know, and we have to hold

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Speaker 3: elected officials definitely accountable. And I really feel, you know,

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Speaker 3: I hate that we're the ones you have to suffer

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Speaker 3: through this, but this is a really good example of

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Speaker 3: what happens when citizens forget the power that they hold.

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Speaker 3: And you know, even if this has to go to

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Speaker 3: the courts, we're going to find out the repercussions, you know,

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Speaker 3: the ripple effect that was caused you know, four years

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Speaker 3: ago when this person was elected, and how it goes

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Speaker 3: so far beyond the White House. So pay attention, and

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Speaker 3: let's just I hope that we can just learn these

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Speaker 3: lessons and never forget them, ever forget.

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Speaker 1: Yes, I mean there was actually this really great post

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Speaker 1: that someone shared. It basically was like, you know, for

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Speaker 1: those of you who have been vocal. I'm not just

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Speaker 1: supporting this adminute, but some people, of course, you know,

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Speaker 1: have gone above and beyond to be instead of Black

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Speaker 1: Lives Matter having bumper sticker said that say black lives splatter.

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Speaker 1: And for those of you who have like actively been

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Speaker 1: vocally racist and transphobic and homophobica and all these other things,

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Speaker 1: that like, here's the thing that one day this man

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Speaker 1: won't be president. Whether it's in three months or maybe

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Speaker 1: the next four years, no one knows, right, but your

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Speaker 1: family and friends will always always always your your neighbors,

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Speaker 1: your coworkers, You're that stain will always be on you.

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Speaker 1: Like I just don't you know what I mean, I

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Speaker 1: just I guess what shocks me is how it's like

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Speaker 1: when I see men argue over viciously over their team,

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Speaker 1: like no the bulls are better, No the Spurs, and

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Speaker 1: you're like Michael Jordan does not know.

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Speaker 4: You, you know, because I like, you see literally people breaking

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Speaker 4: the law, putting their own freedom in jeopardy, Like there

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Speaker 4: was a I use the word gentleman loosely who took

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Speaker 4: one of those cat those like not a bulldozer, the

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Speaker 4: smaller ones.

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Speaker 1: You know, I don't know what they call I feel

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Speaker 1: like Bob kind of yeah, right, took one of those

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Speaker 1: bobcats and in his town and anybody's lawn that had

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Speaker 1: a Biden Come All a sign. He you know, didn't

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Speaker 1: just take the sign because that was just too light,

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Speaker 1: used the bobcat to basically dig the sign out of

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Speaker 1: their front lawn and went like, you know, so using

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Speaker 1: a vehicle doing more than fifteen hundred dollars worth of

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Speaker 1: damage to property, which makes it a felony. Now, so

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Speaker 1: even if this person wins the presidency either way, you'll

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Speaker 1: enjoy it from jail.

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Speaker 2: I just I guess that's the part that like.

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Speaker 1: Really flabbergasts me. For lack of a better word, it's

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Speaker 1: like what I just well, you know what, I just

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Speaker 1: don't know. That's people are just raggedy. That's been the

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Speaker 1: word that has been the pervasive word for me. There

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Speaker 1: are some people who are just really Raggedy's one thing

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Speaker 1: to say this is what I'm voting for, Okay. It's

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Speaker 1: another thing to like run your car through a crowd

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Speaker 1: of people, shoot people at a protest.

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Speaker 2: You know. I just yeah, people, and.

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Speaker 3: I'm I you know, in a way, I'm grateful because

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Speaker 3: it's shown, it's it's given people like the past four

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Speaker 3: years have made certain people feel comfortable showing sides of

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Speaker 3: themselves that they weren't showing before. And I think we

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Speaker 3: can all be where. I feel much more educated about

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Speaker 3: the people in my circle, my family, my extended family.

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Speaker 3: I know where people stand, and you know what, I'm like,

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Speaker 3: I'm glad because why continue, you know, putting on a facade,

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Speaker 3: and especially growing up in the South, being always taught,

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Speaker 3: you know, politics was and polite conversation. You don't ask

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Speaker 3: people where they stand on certain issues. I feel like

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Speaker 3: at least that's you know, one of the over linings

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Speaker 3: is that it's become you can't escape it. This pandemic

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Speaker 3: year itself, I mean, it has forced everyone to have

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Speaker 3: to reckon with what they believe and decide where they

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Speaker 3: stand in that I'm grateful for. I was also, you know,

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Speaker 3: another silver lining I was just reading. There was a

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Speaker 3: report that came out. I think it's the Center for

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Speaker 3: Women Center for American Politics put out a report. Did

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Speaker 3: you know one hundred and fifteen women of color are

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Speaker 3: running for election in the House this year, which is

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Speaker 3: pretty remarkable. Like, right now, let me look at my

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Speaker 3: let me look at my little notes. There's something like

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Speaker 3: what forty waiting to see? Let me get my notes?

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Speaker 3: Where are my paper's at?

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Speaker 2: Ooh, I'm old.

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Speaker 3: I got a squint. Forty eight out of one hundred

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Speaker 3: and twenty seven congresswomen right now, that's only forty eight

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Speaker 3: are BIPOC, and yes, one hundred and fifteen BIPOC women

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Speaker 3: are running for election. And I do feel like this

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Speaker 3: is the change that, for better or for worse, Trump

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Speaker 3: selection has brought about, and not just Trump selection, but

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Speaker 3: everything happening with racial and social unrest. It has, It's

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Speaker 3: given people, it's lit fire under our butts to realize

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Speaker 3: the power we have as women and how much we

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Speaker 3: are needed, and that you know, running for office is

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Speaker 3: not the only thing you can do to act and

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Speaker 3: better society, but it means a whole hell of a lot.

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Speaker 3: So I looked at that, and you know, I saw

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Speaker 3: that on GMA this morning, and that gives me. That

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Speaker 3: gives me hope.

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Speaker 1: Yeah, I mean I and nothing lasts for always, right,

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Speaker 1: all folks, So truble don't last always, Although I will

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Speaker 1: say tomorrow I am a little you know, like if

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Speaker 1: you could stand inside, stand inside, especially if you live

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Speaker 1: in an area where you've seen those Trump trains, because

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Speaker 1: I feel like people feel more emboldened to be wanton

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Speaker 1: in wild and.

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Speaker 3: If you do go out there, bring your cell phones

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Speaker 3: and court everything. That's how I feel.

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Speaker 1: And your taser. I mean literally, I went for a

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Speaker 1: walk today. SUPERMANO was like, you have your taser? And

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Speaker 1: every yeah, he always he got me a taser a

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Speaker 1: while ago, just because he's like, he got me everybody

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Speaker 1: in the house has a taser. And then he made

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Speaker 1: us because my sister stays with me, and of course

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Speaker 1: super Girl is here, so he's like, oh yeah, when

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Speaker 1: you need to have a taste, he got us pink

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Speaker 1: tasers because you know sex and I know. But then

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Speaker 1: if you had to have taser class with him, I

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Speaker 1: was like, I don't know, have danger class. He's like,

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Speaker 1: show we had to turn it on, so we had you.

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Speaker 1: I was like, oh my god. But I'm not gonna

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Speaker 1: lie during times like this. When I went out for

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Speaker 1: my I try to take a walk every day. I

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Speaker 1: went out for my walk, he said, do you have

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Speaker 1: your taser? Normally I'm like, oh boy, but today I

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Speaker 1: was like, you know what, I don't let me go

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Speaker 1: upstairs and get.

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Speaker 3: It, Well, you might need it if you're fighting the

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Speaker 3: panic shopping comes back and people are fighting over bounty again.

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Speaker 1: Right, Well, I was just going for a walk, and

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Speaker 1: I guess he's just basically like, you know, he just yeah,

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Speaker 1: I just it's times where normally I wouldn't. I'm like,

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Speaker 1: it's so extra, but you know, if my mom making

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Speaker 1: sure make sure you have enough food and water and

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Speaker 1: this and that, and I think it's just more so

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Speaker 1: not that there's not going to be any of those things,

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Speaker 1: but if you don't have to be in the fray.

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Speaker 1: I mean where I live is live is fairly liberal,

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Speaker 1: but I walked to my neighborhood today and there were

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Speaker 1: two homes that had Trump signs. You know, everybody else,

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Speaker 1: Like I said, the New York is a pretty liberal

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Speaker 1: you know, black and brown city. But still, yeah, you know,

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Speaker 1: and you just don't know what people will do, and so.

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Speaker 3: Yeah, thinking about our future selves again, I just hope.

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Speaker 3: I hope at least if you go to vote on

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Speaker 3: an election day, that you were able to vote and

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Speaker 3: it is peaceful and your vote is counted, because I

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Speaker 3: do know there's so many especially black families in particular,

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Speaker 3: I'm saying families, but black people in particular like to

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Speaker 3: vote on election day, you know. And I think about

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Speaker 3: Fulton County and Atlanta. Everyone's got every Atlanta is in

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Speaker 3: Fulton County. But anyway, everyone's eyes are on battleground states

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Speaker 3: like Georgia and Florida and Texas, Michigan, and especially in Georgia,

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Speaker 3: where there's just there's been so much evidence of voter suppression.

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Speaker 3: Stacy Abrams was giving a really powerful speech. I don't

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Speaker 3: know if it was yesterday or today, but I saw

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Speaker 3: a clip of it, and I mean, you really have

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Speaker 3: to be determined if you're going to go on election day.

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Speaker 3: I hope people stay. Don't let people, you know, talk

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Speaker 3: you out of voting. Let's get it done. But for

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Speaker 3: you know, when when when Biden says this is a

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Speaker 3: fight for the soul of the nation, I think how

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Speaker 3: tomorrow goes is going to send a message to the world.

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Speaker 3: You know, are we still the America that we say

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Speaker 3: we are? You know, is this most powerful democracy in

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Speaker 3: the world or is it fracturing? And I really mean,

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Speaker 3: I'm pray to God, whether you support Trump or Biden,

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Speaker 3: I just want us to have a peaceful election. It

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Speaker 3: is such a fundamental part of our democracy that we

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Speaker 3: go to the polls and we vote and it is

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Speaker 3: safe and votes are counted, and if we don't have that,

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Speaker 3: that terrifies me more. So That's what I think about.

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Speaker 3: And you know, hey, futureselves, I hope, I hope you

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Speaker 3: all are doing okay.

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Speaker 2: Yeah, yeah, I mean, because what else can you say? Honestly,

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Speaker 2: I hope you're doing okay.

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Speaker 3: I hope you're planning. I'm planning a vacation. I'm taking

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Speaker 3: the last I am thinking about Crimis. I am Chrimas.

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Speaker 3: I'm thinking about Chrimas. I'm thinking about it.

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Speaker 1: It's like you can't think about Crimis until thanks Gimmen

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Speaker 1: is done.

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Speaker 3: No, I'm good. I want crimas well. Thanksgiving is like

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Speaker 3: my It's also Rio's first birthday. I'm excited about that.

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Speaker 3: I've already got some plans in the work. But for Crimas,

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Speaker 3: I have a toddler, basically he's he's not even one yet,

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Speaker 3: but he's almost walking. And I really, for my own

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Speaker 3: just my own sanity, I don't want to have to

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Speaker 3: keep him from knocking your Christmas tree down every day.

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Speaker 3: So I decided we're gonna go to like a real

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Speaker 3: live Christmas tree farm in the country now, because you

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Speaker 3: know Georgia, and we're gonna we're gonna cut down our

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Speaker 3: own tree. Did they let you cut it yourself? Whatever?

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Speaker 3: I pick out our own tree, Sorry, farmer, I mean,

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Speaker 3: but they might let me anyway. And we're gonna put

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Speaker 3: it in the front yard and I'm gonna light that

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Speaker 3: sucker up like the Rockefeller tree. We're gonna have like

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Speaker 3: a tree lighting, and I want to get a huge one.

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Speaker 3: And what inspired me was my little neighborhood. I mentioned

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Speaker 3: my neighborhood. It's it's a rare, you know, kind of

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Speaker 3: old black, middle class neighborhood in our pocket of suburbia.

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Speaker 3: And there's just a lot of really cool history here.

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Speaker 3: And there's a small kind of civic association. We don't

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Speaker 3: pay h away fees, but there is a little group

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Speaker 3: of people who, you know, try to keep the neighborhood

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Speaker 3: organize and like know your neighbors and stuff. And just

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Speaker 3: randomly this these these two people and names Paula and Josie,

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Speaker 3: they just hosted a Halloween street party and they shut down,

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Speaker 3: they got the street closed off and they had like

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Speaker 3: a bouncy castle and we got all dressed up. Rio

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Speaker 3: was baby Yoda. I was Rey from Star Wars. That's

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Speaker 3: the extent of my Star Wars knowledge. Do not ask

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Speaker 3: me any follow up questions. But we all went and

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Speaker 3: like Paula's husband was cooking on the grill, and it

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Speaker 3: was just so nice. We all social distance, but I

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Speaker 3: was like, you know, if we could just stay in

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Speaker 3: this little pocket of community in our neighborhood, things are

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Speaker 3: nice here. So hopefully I was thinking, you know, look

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Speaker 3: at the big tree. Maybe we'll do like a Christmas

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Speaker 3: festival thing just for the neighborhood or something, because it

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Speaker 3: just it felt really good.

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Speaker 1: Yeah, no, that's great. I love, you know what I

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Speaker 1: love when a neighborhood is a neighborhood. I grew up

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Speaker 1: like in a neighborhood like that, where like I knew

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Speaker 1: I would say, on our block there was maybe like

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Speaker 1: ten houses, and the ten houses, I think we basically

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Speaker 1: knew everyone, you know, and half of them more than

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Speaker 1: half of them had kids our age, and so like

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Speaker 1: a really neighborhoody neighborhood is great, where like the neighborhood's

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Speaker 1: your key, and if you leave your light on, you

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Speaker 1: get a text or a phone call or you know,

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Speaker 1: those things are those things are nice. My our favorite

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Speaker 1: neighbors from across the street, remember the guys Keith, Yeah,

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Speaker 1: Keith and Creithan's partner. He just put out his sign Biden,

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Speaker 1: come on.

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Speaker 3: OK.

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Speaker 2: That was like, I guess.

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Speaker 3: I sent one to my mother because I was like,

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Speaker 3: I was going to buy one, but it's like thirty

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Speaker 3: five bucks and they honestly, we don't need another Biden

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Speaker 3: sign in my area. We're very progressive here. But I

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Speaker 3: sent one to her because she's in like this. Uh,

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Speaker 3: she's in this pocket outside of Saint Louis, Missouri, where

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Speaker 3: it's kind of dicey. And she told me on on Halloween,

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Speaker 3: when they had all the trick or treats coming through

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Speaker 3: their neighborhood, one of her neighbors came up and he

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Speaker 3: just whispered. He's like, I don't want people to hear

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Speaker 3: me say this, but I like your sign. I like

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Speaker 3: your Biden sign. She also has a Black Lives Matter sign.

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Speaker 3: My mom has been I just wow, she has come

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Speaker 3: a long way, long way, and I don't think she

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Speaker 3: would have come this far without the pandemic and the

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Speaker 3: real uncomfortable discussions we had as a family this summer.

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Speaker 3: And I you know. I it's it's you can't. It's

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Speaker 3: hard to be grateful for something that is so awful.

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Speaker 3: Over two hundred thousand people in this country alone, millions

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Speaker 3: across the world have died. But in a way it

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Speaker 3: created the circumstances for these conversations to happen. And my

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Speaker 3: mom put out a black lives freaking math's huge. Come on.

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Speaker 1: So yeah, I know, I'm not gonna lie. I just

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Speaker 1: I have just been online just to like there's certain

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Speaker 1: pages that, like, you know, they don't do political because

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Speaker 1: I've been like super political, like what that was okay today? No, no, no, no,

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Speaker 1: but they're like, you know, like, hey, I'm rebnovating my house.

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Speaker 2: I'm like, okay, Oh look at my dog. Isn't he's

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Speaker 2: so cute in his Halloween costume. I'm like, oh, he

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Speaker 2: is so cuteness Halloween costume. Like so that's That's the

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Speaker 2: only time I've been online today is to kind of

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Speaker 2: look at that. You know.

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Speaker 1: Definitely work with the team. I will say that there

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Speaker 1: was a funny meme that Logan on my team prosts.

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Speaker 1: I said, Logan, you are a hot mess. This was

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Speaker 1: like like this weekend or late last week. She said,

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Speaker 1: what y'all wear into next week's civil war?

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Speaker 2: I said, Logan, Oh no, I was like loss.

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Speaker 3: She was like, what, I don't think our youth are prepared,

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Speaker 3: Like no one knows how to fight, Like they don't teach.

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Speaker 2: You a battle comic.

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Speaker 3: We like all the children today just game like, like

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Speaker 3: we're not prepared to fight each other. It's gonna be

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Speaker 3: a real funny battle.

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Speaker 1: And I was sicker to myself almost like you know

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Speaker 1: what Sometimes I'm you know, I'm like when I look

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Speaker 1: at Superman, I'm like, oh, he's so rough around the edges.

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Speaker 1: I'm not gonna lie times like this, I'm like, yes,

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Speaker 1: bring the roughness forward.

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Speaker 2: Remember those fights in high school? Bring them for no.

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Speaker 2: But like I'm I mean, you never know.

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Speaker 1: But like I said, nor if it is pretty liberal

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Speaker 1: and pretty you know, we're some andre for the most part,

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Speaker 1: even Keith across the street, you know he don't want

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Speaker 1: to throw them hands anyway. But plus I see his son.

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Speaker 1: Progressives can be assholes too. You know, we're allowing you

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Speaker 1: everyone to be very multifaceted.

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Speaker 2: You know, true, It's true.

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Speaker 3: You know the jerks you're gonna vote vote for Biden,

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Speaker 3: you know what I mean? Like we uh we we

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Speaker 3: need every every vote counts, okay, even Keith so he

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Speaker 3: can get a point. Yeah, all right, well let's let's

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Speaker 3: take a quick break future selves. I hope that you

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Speaker 3: know you're doing okay and coping well, but let's take

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Speaker 3: a quick break, come back with some question.

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Speaker 1: So we are back to my favorite section of the show,

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Speaker 1: which would be question questions.

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Speaker 3: I literally my brain just froze. I'm back.

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Speaker 2: What's going on? I'm not gonna lie. Yes, there's so

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Speaker 2: much going on.

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Speaker 3: There's so much going on. Well, thank y'all. I did

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Speaker 3: a really bad Instagram live yesterday because I just wanted

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Speaker 3: to say hi and thank you to all of our

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Speaker 3: BA fans. And some of you guys were like, hey,

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Speaker 3: I've asked a question, it hasn't been answered yet, ask

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Speaker 3: it again. You know, just our dms have gotten a

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Speaker 3: little Craig Cray. I still try and read them all,

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Speaker 3: but sometimes I just you know, I'll forget if I

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Speaker 3: read something, So send them again. And also you can

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Speaker 3: hit me up at Mandy Money my personal inst a

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Speaker 3: Instagram account. Be a little persistent. I'm not mad at that,

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Speaker 3: and it's Mandy with an I. But thank y'all for

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Speaker 3: joining that, and I will take this question from the

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Speaker 3: Graham All right, this comes from Instagram user. We'll call

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Speaker 3: her Sam. Sam has a question about some credit card debt.

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Speaker 3: All right, you ready? I have about forty three hundred

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Speaker 3: dollars left of credit card debt between two credit cards

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Speaker 3: with high interest rates. Lending Tree. Oh, I know that company.

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Speaker 3: Blending Tree suggests that I take out a personal loan

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Speaker 3: and transfer both balances to the personal loan. They also

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Speaker 3: suggest that I get more credit because my credit utilization

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Speaker 3: or what does she mean? Her my credit is low?

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Speaker 3: Probably her just available credit?

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Speaker 2: Yeah, utilization, I know. She means.

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Speaker 3: I'm nervous. If I attempt to get a loan for

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Speaker 3: a house or a car, I may not be approved

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Speaker 3: because I don't have enough credit history. I have several

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Speaker 3: cards with under twelve hundred dollars credit limits? Is it

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Speaker 3: a smart idea to get a personal loan? By the way,

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Speaker 3: I love your show, and thank you both for all

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Speaker 3: your help through these last few years. Oh, thank you.

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Speaker 2: What's her name again?

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Speaker 3: Her name is Sam?

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Speaker 2: I am Sam? Sam? I am hm. Okay. So here's

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Speaker 2: the thing.

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Speaker 1: In theory, it is smart to combine your loans or

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Speaker 1: to combine what you owe to the credit cards and

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Speaker 1: have one loan to pay it off. And and especially

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Speaker 1: well only if the loan that they're providing is going

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Speaker 1: to be less than the average interust rate of the

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Speaker 1: two cards. So let's just say your two cards, you

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Speaker 1: average the interestrate, I mean, you add it divided by two,

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Speaker 1: and let's just say the interest rate of the two

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Speaker 1: credit cards is fifteen percent. But the loan that London

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Speaker 1: Tree says, we can give you a loan for nine percent.

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Speaker 1: Then yes, in theory logically, so that would make sense.

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Speaker 1: But you want to just be careful because what they

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Speaker 1: have found is that many people end up yes, consolidating

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Speaker 1: their loans, getting the consolidating their credit card dead, getting

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Speaker 1: the loan, and then going back and running up the

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Speaker 1: credit card dead again. So now you owe lending Tree

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Speaker 1: and you still owe the credit cards. It's the reason why.

431
00:22:44,520 --> 00:22:46,720
Speaker 3: Okay, you don't know, we're not a lender. Yeah, well

432
00:22:46,760 --> 00:22:49,800
Speaker 3: you know you owe whatever whatever lender we help you find. Yes, Oh,

433
00:22:49,920 --> 00:22:51,560
Speaker 3: thank you for that clarity. Do you think about that

434
00:22:51,800 --> 00:22:53,639
Speaker 3: marketing problem? People think we're a lender, we're not.

435
00:22:54,480 --> 00:22:58,480
Speaker 1: See we have a London Tree expert. So so if

436
00:22:58,520 --> 00:23:00,800
Speaker 1: you think to yourself. You know what I'm actually not

437
00:23:00,880 --> 00:23:02,879
Speaker 1: I'm going to be able to put the credit cards down.

438
00:23:03,359 --> 00:23:05,080
Speaker 1: Then it might not be a bad idea. I'm not

439
00:23:05,119 --> 00:23:07,800
Speaker 1: a post to. I know some people are like, don't

440
00:23:07,800 --> 00:23:09,679
Speaker 1: get into debt trying to get out of debt. I

441
00:23:09,760 --> 00:23:13,320
Speaker 1: get that, But if you can lower your interest rates significantly,

442
00:23:13,359 --> 00:23:14,119
Speaker 1: it could be worth it.

443
00:23:14,200 --> 00:23:15,760
Speaker 2: Now, here's the thing.

444
00:23:16,400 --> 00:23:18,679
Speaker 1: You're talking about buying a house or getting a car.

445
00:23:19,240 --> 00:23:20,920
Speaker 1: When are you planning on doing those things in the

446
00:23:21,000 --> 00:23:25,080
Speaker 1: next six months. Then you're gonna want to wait because lenders,

447
00:23:25,480 --> 00:23:28,080
Speaker 1: other lenders don't like to see that you've gone gotten

448
00:23:28,119 --> 00:23:31,600
Speaker 1: into a new relationship with a new lender anytime you

449
00:23:31,640 --> 00:23:33,640
Speaker 1: know within usually they'll take you three or four months.

450
00:23:33,680 --> 00:23:35,480
Speaker 1: I always say six months or more to be on

451
00:23:35,480 --> 00:23:37,720
Speaker 1: the super safe side. So if you're looking to do

452
00:23:37,760 --> 00:23:40,200
Speaker 1: any of those those big changes, I would wait, or

453
00:23:40,240 --> 00:23:43,600
Speaker 1: I would just continue to pay down without entering into

454
00:23:43,720 --> 00:23:45,560
Speaker 1: a new agreement with a new loan, because that's what

455
00:23:45,560 --> 00:23:48,920
Speaker 1: really refinancing is. It's just entering into a new loan

456
00:23:48,960 --> 00:23:52,200
Speaker 1: with a new agreement and swapping swapping over old debt

457
00:23:52,200 --> 00:23:54,000
Speaker 1: for new dead So you have to just depend.

458
00:23:54,000 --> 00:23:55,200
Speaker 2: It depends on your discipline.

459
00:23:55,480 --> 00:23:57,120
Speaker 1: You if you know that you could put those cards

460
00:23:57,160 --> 00:23:59,240
Speaker 1: up and not use it, then that means you'll be

461
00:23:59,280 --> 00:24:01,800
Speaker 1: able to pay down that debt faster and cheaper.

462
00:24:02,640 --> 00:24:05,440
Speaker 2: But yeah, so Sam, that's that's my advice.

463
00:24:06,200 --> 00:24:08,600
Speaker 3: Yeah, and I agree. And in terms of credit history,

464
00:24:09,160 --> 00:24:12,200
Speaker 3: when you consolidate credit card debt with a personal loan,

465
00:24:12,600 --> 00:24:15,439
Speaker 3: you're not closing your credit cards. So you know, if

466
00:24:15,440 --> 00:24:17,840
Speaker 3: they're old credit accounts that have been on your credit

467
00:24:17,920 --> 00:24:19,439
Speaker 3: report for a while and you want to keep them

468
00:24:19,480 --> 00:24:22,000
Speaker 3: open because it shows you have a longer credit history,

469
00:24:22,440 --> 00:24:25,879
Speaker 3: they'll still be there. What will happen is that you

470
00:24:25,920 --> 00:24:28,400
Speaker 3: know you'll have a new line of credit on your history,

471
00:24:28,640 --> 00:24:30,960
Speaker 3: and it can it can help your credit score in

472
00:24:31,000 --> 00:24:34,240
Speaker 3: a lot of ways, especially when it comes to utilization rate,

473
00:24:34,840 --> 00:24:37,960
Speaker 3: which is after paying your debts on time. One of

474
00:24:38,000 --> 00:24:40,359
Speaker 3: the most like the most second most important factor in

475
00:24:40,400 --> 00:24:42,680
Speaker 3: your credit score, which is you know how much debt

476
00:24:42,680 --> 00:24:44,680
Speaker 3: you have borrowed against how much debt you have available

477
00:24:44,720 --> 00:24:47,280
Speaker 3: to you. So once those credit cards are down to zero,

478
00:24:47,600 --> 00:24:49,280
Speaker 3: that should really help your rate and you might see

479
00:24:49,280 --> 00:24:52,280
Speaker 3: a lift in your score. And if you're preparing to

480
00:24:52,320 --> 00:24:54,679
Speaker 3: borrow for a home or a car, I think getting

481
00:24:54,680 --> 00:24:56,639
Speaker 3: your credit score in the best possible shape should be

482
00:24:56,640 --> 00:25:00,000
Speaker 3: a priority. And you know, getting that credit card debt

483
00:25:00,000 --> 00:25:03,359
Speaker 3: that paid off is true, and Tiffany's absolutely right. People

484
00:25:03,359 --> 00:25:06,879
Speaker 3: who borrow personal loans to consolidate credit card debt, it

485
00:25:06,960 --> 00:25:08,879
Speaker 3: can feel like, oh, I'm debt free, you know, I

486
00:25:08,920 --> 00:25:11,600
Speaker 3: have this personal loan now, and then you might start

487
00:25:12,000 --> 00:25:14,439
Speaker 3: going down the same path you were on before. And

488
00:25:14,600 --> 00:25:17,159
Speaker 3: sad to say, I have heard that a lot of

489
00:25:17,200 --> 00:25:20,240
Speaker 3: folks who apply for you know, debt consolidation loans, it's

490
00:25:20,240 --> 00:25:22,359
Speaker 3: not their first rodeo. They're doing it again and again

491
00:25:22,960 --> 00:25:25,800
Speaker 3: because they have that issue with credit card debt and

492
00:25:25,840 --> 00:25:27,680
Speaker 3: they kind of think, oh, well, you know, I can

493
00:25:27,760 --> 00:25:31,240
Speaker 3: consolidate it, and I have this kind of band aid.

494
00:25:31,280 --> 00:25:33,359
Speaker 3: But you really have to, you know, get your spending

495
00:25:33,600 --> 00:25:37,119
Speaker 3: under control if you can. But thanks for shopping with

496
00:25:37,200 --> 00:25:39,960
Speaker 3: lending tree, and lending tree is not the only site.

497
00:25:40,000 --> 00:25:42,040
Speaker 3: But you know the good thing about lending tree is

498
00:25:42,760 --> 00:25:46,880
Speaker 3: insights like it you know, a bank rate, geez credible,

499
00:25:47,000 --> 00:25:50,840
Speaker 3: all my competitors. But is you can get matched with

500
00:25:50,920 --> 00:25:53,960
Speaker 3: different lenders and have soft polls on your credits so

501
00:25:54,000 --> 00:25:56,480
Speaker 3: you don't have to like go to physical go to

502
00:25:56,520 --> 00:25:59,760
Speaker 3: bank websites or into physical bank branches to apply for loans.

503
00:25:59,760 --> 00:26:02,800
Speaker 3: You can do it online and get matched with different lenders.

504
00:26:03,040 --> 00:26:06,000
Speaker 3: It's kind of like a marketplace you have or a

505
00:26:06,040 --> 00:26:09,639
Speaker 3: grocery store. You have many different brands of catchup and

506
00:26:09,680 --> 00:26:11,200
Speaker 3: you can choose and see them all on the shelf

507
00:26:11,200 --> 00:26:12,920
Speaker 3: and look at the ingredients and stuff like that. That's

508
00:26:13,000 --> 00:26:16,639
Speaker 3: kind of what lending Tree offers. But yeah, thank you

509
00:26:16,640 --> 00:26:20,239
Speaker 3: for your question, Sam, and hope that helped. All right,

510
00:26:20,320 --> 00:26:22,439
Speaker 3: let's take our next question. This comes from our email

511
00:26:22,480 --> 00:26:26,679
Speaker 3: Brandonbission Podcast at gmail dot com. This listener wants to

512
00:26:26,680 --> 00:26:30,200
Speaker 3: remain anonymous. All right, we love it when you guys

513
00:26:30,240 --> 00:26:32,520
Speaker 3: are brutally honest with us. This is a safe space, okay,

514
00:26:32,560 --> 00:26:35,840
Speaker 3: no judgment zone. Anonymous says, this is a tough question

515
00:26:35,880 --> 00:26:39,560
Speaker 3: for me because I know I'm out of control. Okay, no,

516
00:26:39,680 --> 00:26:40,600
Speaker 3: I'm out of control.

517
00:26:40,720 --> 00:26:43,080
Speaker 2: That's a interesting way to start, Okay.

518
00:26:44,040 --> 00:26:48,400
Speaker 3: I currently own four time shares, but now I can

519
00:26:48,440 --> 00:26:51,199
Speaker 3: honestly say they are a waste of money. Do you

520
00:26:51,280 --> 00:26:54,000
Speaker 3: have any legitimate and effective tips on how I can

521
00:26:54,080 --> 00:26:57,320
Speaker 3: get rid of them? I try to timeshare reseller once before,

522
00:26:57,359 --> 00:27:00,600
Speaker 3: but I only lost money on that path. Three are

523
00:27:00,640 --> 00:27:02,920
Speaker 3: paid off and the fourth one has one more year

524
00:27:02,960 --> 00:27:06,280
Speaker 3: of payments. The annual fees are outrageous for locations I

525
00:27:06,320 --> 00:27:08,159
Speaker 3: have yet to find the time to get to on

526
00:27:08,200 --> 00:27:11,720
Speaker 3: a regular basis. This is my only significant budget issue,

527
00:27:11,720 --> 00:27:15,760
Speaker 3: as my retirement account, emergency savings, and life insurance are

528
00:27:15,840 --> 00:27:18,480
Speaker 3: all good. My next goal is to buy a house

529
00:27:18,520 --> 00:27:21,480
Speaker 3: and start my own coaching business. Please help.

530
00:27:22,280 --> 00:27:25,880
Speaker 1: Ooh okay, so we're gonna call you time share Tina,

531
00:27:26,520 --> 00:27:27,359
Speaker 1: time share Tina.

532
00:27:27,840 --> 00:27:29,080
Speaker 2: So, Tina, do you know.

533
00:27:29,160 --> 00:27:31,040
Speaker 3: She's out of control? Though, Tiffany, does she get points

534
00:27:31,040 --> 00:27:31,200
Speaker 3: for that?

535
00:27:31,359 --> 00:27:31,560
Speaker 2: Yeah?

536
00:27:31,600 --> 00:27:33,160
Speaker 1: No, I'm not gonna hear to judge you, Tina, because

537
00:27:33,200 --> 00:27:35,439
Speaker 1: my parents have a time share, so you know it happens.

538
00:27:35,480 --> 00:27:37,160
Speaker 1: And you know, y'all know my dad is super smart

539
00:27:37,160 --> 00:27:39,239
Speaker 1: when it comes to finances. And I can remember as

540
00:27:39,240 --> 00:27:41,119
Speaker 1: a kid going on the free vacations because he was

541
00:27:41,160 --> 00:27:43,320
Speaker 1: like oky' nobody afford to take five kids on vacation,

542
00:27:43,640 --> 00:27:46,040
Speaker 1: so we would go on the timechare vacation, pretend like

543
00:27:46,080 --> 00:27:48,239
Speaker 1: he was going to get something and never do. But

544
00:27:48,280 --> 00:27:50,359
Speaker 1: then one day they came back with a timeshare.

545
00:27:50,400 --> 00:27:51,960
Speaker 2: This is when we were grown. I'm like, did y'all

546
00:27:52,000 --> 00:27:53,040
Speaker 2: get soft? Apparently?

547
00:27:53,080 --> 00:27:56,600
Speaker 1: So, so I'm not here to judge, but Okay, so

548
00:27:57,200 --> 00:27:59,400
Speaker 1: there's the study. I just looked it up the University

549
00:27:59,440 --> 00:28:02,119
Speaker 1: of Central They did the study that found this is

550
00:28:02,119 --> 00:28:04,600
Speaker 1: for people who have never brought a time share, that

551
00:28:04,920 --> 00:28:08,800
Speaker 1: eighty five percent of times share buyers regret their purchase.

552
00:28:09,200 --> 00:28:12,280
Speaker 1: So just letting that being a lesson that very few

553
00:28:12,320 --> 00:28:15,960
Speaker 1: people ever are happy about their time share purchase for

554
00:28:15,960 --> 00:28:18,439
Speaker 1: those people who've never had one. And there usually is

555
00:28:18,480 --> 00:28:22,720
Speaker 1: like a three to fifteen day period in most states

556
00:28:22,760 --> 00:28:24,600
Speaker 1: it's like five to seven days, but sometimes it's up

557
00:28:24,640 --> 00:28:26,600
Speaker 1: to fifteen days where you can change your mind. But

558
00:28:26,640 --> 00:28:29,920
Speaker 1: I'm assuming time share Tina that you know, obviously we're

559
00:28:29,960 --> 00:28:33,840
Speaker 1: past that period. The only thing that I could see

560
00:28:33,880 --> 00:28:40,000
Speaker 1: as a solution is that you can you can you

561
00:28:40,040 --> 00:28:41,920
Speaker 1: can try to resell people literally you will try to

562
00:28:41,920 --> 00:28:44,120
Speaker 1: sell their timeshare for like a dollar on like Craigslist

563
00:28:44,240 --> 00:28:46,360
Speaker 1: or something. So you can certainly do that, but it's

564
00:28:46,360 --> 00:28:50,160
Speaker 1: almost like finding another time share Tina to pass, like

565
00:28:50,240 --> 00:28:53,120
Speaker 1: push it off on I the sites for example, like

566
00:28:53,160 --> 00:28:56,560
Speaker 1: red week where you can list or eBay where you

567
00:28:56,560 --> 00:29:01,080
Speaker 1: can list your your time share. The only other thing

568
00:29:01,880 --> 00:29:05,160
Speaker 1: is to allow to be foreclosed upon. But it doesn't

569
00:29:05,200 --> 00:29:07,800
Speaker 1: mean that that's it, you know, according to debt dot org.

570
00:29:09,120 --> 00:29:12,080
Speaker 1: You can still have some outstanding fees like late charges,

571
00:29:12,120 --> 00:29:17,040
Speaker 1: attorney's fees, unpaid assessments, fines and interests. So you know,

572
00:29:17,240 --> 00:29:21,000
Speaker 1: I don't know, like if it was overwhelming me, you know,

573
00:29:21,520 --> 00:29:23,480
Speaker 1: I might just take the l for foreclosure, but you

574
00:29:23,520 --> 00:29:24,160
Speaker 1: have four of them.

575
00:29:24,520 --> 00:29:25,640
Speaker 2: I wish I had what.

576
00:29:25,640 --> 00:29:27,680
Speaker 1: I hate about time shares, and there has to be

577
00:29:27,680 --> 00:29:31,200
Speaker 1: some law enacted because honestly, Mandy, just like, no solution.

578
00:29:31,280 --> 00:29:34,160
Speaker 1: How is that the solution that you know what I

579
00:29:34,200 --> 00:29:37,520
Speaker 1: mean that like you should be able to say, well,

580
00:29:37,560 --> 00:29:39,520
Speaker 1: I can pay two years or something like that, but

581
00:29:39,560 --> 00:29:42,240
Speaker 1: it's literally like you find somebody else to take it

582
00:29:42,280 --> 00:29:45,960
Speaker 1: off your hands, or you file, you know, you stop

583
00:29:46,000 --> 00:29:48,320
Speaker 1: paying and you get a foreclosure. I don't see how

584
00:29:48,360 --> 00:29:51,760
Speaker 1: those are the solutions, but unfortunately that's what's out there

585
00:29:51,760 --> 00:29:52,160
Speaker 1: for now.

586
00:29:52,960 --> 00:29:55,920
Speaker 3: I mean, I have I feel like we did an

587
00:29:56,000 --> 00:29:57,520
Speaker 3: article on this a while back. I don't have to

588
00:29:57,560 --> 00:29:58,479
Speaker 3: take up and go find it.

589
00:29:58,520 --> 00:29:59,240
Speaker 2: But I feel like.

590
00:30:00,680 --> 00:30:02,880
Speaker 3: If it's through a resort, is that often through times

591
00:30:02,880 --> 00:30:06,080
Speaker 3: shares are usually through resorts right oftentimes? Yeah, I wonder

592
00:30:06,120 --> 00:30:09,000
Speaker 3: if given the circumstances with the pandemic, like even just

593
00:30:09,080 --> 00:30:13,000
Speaker 3: calling and asking, you know, can you do something for me.

594
00:30:13,080 --> 00:30:15,560
Speaker 3: Can you help me out? Like I wonder if you

595
00:30:15,600 --> 00:30:17,560
Speaker 3: know the resorts might be willing to. I don't know

596
00:30:17,640 --> 00:30:19,840
Speaker 3: whether it's foreclosed or just buy it back from you

597
00:30:19,880 --> 00:30:22,840
Speaker 3: at like a reduced a reduced rate or something like that.

598
00:30:23,280 --> 00:30:25,000
Speaker 3: But I mean it is like a take an l

599
00:30:25,080 --> 00:30:27,560
Speaker 3: kind of situation. I don't know if there's and you've

600
00:30:27,560 --> 00:30:31,120
Speaker 3: already been losing money on it. The yeah, any any

601
00:30:31,160 --> 00:30:33,200
Speaker 3: solution any way to get rid of them, whether it's

602
00:30:33,560 --> 00:30:35,840
Speaker 3: you know, selling it, giving it away for free, finding

603
00:30:35,880 --> 00:30:38,040
Speaker 3: someone else to buy it for a really really cheap price.

604
00:30:38,440 --> 00:30:40,120
Speaker 3: It's going to be one of those take the l

605
00:30:40,440 --> 00:30:43,160
Speaker 3: lesson learned. No more time shares, time share Tina, no

606
00:30:43,240 --> 00:30:45,680
Speaker 3: more cutting you off, ye cutting you off. You need

607
00:30:45,720 --> 00:30:47,320
Speaker 3: to get you know, you want to buy your house

608
00:30:47,360 --> 00:30:49,840
Speaker 3: and all that, and you say that you've got your

609
00:30:49,880 --> 00:30:53,360
Speaker 3: emergency fund and everything else situated, which is good. This

610
00:30:53,600 --> 00:30:57,840
Speaker 3: just maybe one of those times where Okay, we know better,

611
00:30:57,880 --> 00:31:01,040
Speaker 3: we do better. You take the laws now, and you

612
00:31:01,040 --> 00:31:01,640
Speaker 3: you know, move on.

613
00:31:02,200 --> 00:31:06,360
Speaker 1: What I would say is I would probably if I

614
00:31:06,400 --> 00:31:07,680
Speaker 1: was going to get my house, I would get my

615
00:31:07,720 --> 00:31:10,600
Speaker 1: house before I felt like let the other things lapse,

616
00:31:10,680 --> 00:31:13,560
Speaker 1: because it's one thing to have one foreclosure, it's another

617
00:31:13,600 --> 00:31:16,040
Speaker 1: thing to have four for closures on you on your

618
00:31:16,120 --> 00:31:19,360
Speaker 1: credit report. So if you're able and like, you know,

619
00:31:19,400 --> 00:31:21,760
Speaker 1: maybe if all things considered, you know, you're looking pretty

620
00:31:21,800 --> 00:31:23,440
Speaker 1: good because you said you pay the other ones off.

621
00:31:24,040 --> 00:31:26,760
Speaker 1: So if you're able to get your home with these

622
00:31:27,160 --> 00:31:29,160
Speaker 1: while still like you know, having these four time chairs,

623
00:31:29,200 --> 00:31:31,560
Speaker 1: I would probably try to do that first, because I'm

624
00:31:31,560 --> 00:31:33,840
Speaker 1: telling you this is I'm not judging you because firsthand,

625
00:31:33,840 --> 00:31:36,320
Speaker 1: now is my condo that I bought in my twenties

626
00:31:36,360 --> 00:31:40,200
Speaker 1: it foreclosed upon, and so there's some years before I

627
00:31:40,240 --> 00:31:42,920
Speaker 1: was able to be considered for a home, even though

628
00:31:42,920 --> 00:31:44,840
Speaker 1: my credit score was better and I had savings all

629
00:31:44,920 --> 00:31:47,200
Speaker 1: the other stuff. So if it was me and I

630
00:31:47,240 --> 00:31:50,280
Speaker 1: was able to get my home before I potentially just

631
00:31:50,360 --> 00:31:52,560
Speaker 1: like let the other things like lapse, I would do

632
00:31:52,640 --> 00:31:55,080
Speaker 1: that first because unless you're like, oh, I'm not trying

633
00:31:55,080 --> 00:31:56,520
Speaker 1: to buy a home for the next like five years

634
00:31:56,600 --> 00:31:59,000
Speaker 1: or so, then maybe so, but I would get those

635
00:31:59,000 --> 00:32:00,760
Speaker 1: things out of the way first, and then you know,

636
00:32:01,480 --> 00:32:03,840
Speaker 1: rock out in your beautiful home and let those things

637
00:32:03,880 --> 00:32:06,000
Speaker 1: fore close upon. You're going to see a significant dropping

638
00:32:06,040 --> 00:32:07,520
Speaker 1: your credit score, but you'll be able to bring that

639
00:32:07,560 --> 00:32:10,120
Speaker 1: back up again, mine drop from an eight oh two

640
00:32:10,200 --> 00:32:13,440
Speaker 1: to a five forty seven, and now I'm back like

641
00:32:13,480 --> 00:32:14,960
Speaker 1: to like, I think I'm aut a eight to ten now.

642
00:32:15,040 --> 00:32:16,600
Speaker 1: Now it took a couple of years to come back

643
00:32:16,800 --> 00:32:19,640
Speaker 1: to eight ten, but still, you know, it's more than.

644
00:32:19,560 --> 00:32:23,120
Speaker 3: Possible knowing how time can heal wounds, especially credit wounds.

645
00:32:23,320 --> 00:32:25,760
Speaker 3: Like I've got family members you have an eight hundred

646
00:32:25,760 --> 00:32:29,720
Speaker 3: something credit score, and I'm like, wait a second, oh time,

647
00:32:30,200 --> 00:32:33,160
Speaker 3: just time. Seven years is the magic number? You You

648
00:32:33,240 --> 00:32:36,320
Speaker 3: have seven years and then you know, those those negative

649
00:32:36,360 --> 00:32:39,400
Speaker 3: works start falling off and your credit will come back. Well.

650
00:32:39,400 --> 00:32:42,720
Speaker 3: Thank you for bravely sharing your story. Time share Tina,

651
00:32:42,760 --> 00:32:45,160
Speaker 3: and we hope that like follow up with us, let

652
00:32:45,240 --> 00:32:47,600
Speaker 3: us know if you get anywhere, and even if you

653
00:32:47,680 --> 00:32:50,080
Speaker 3: even want to. Sometimes you guys will follow up or

654
00:32:50,240 --> 00:32:54,080
Speaker 3: send questions like, hey, I'm thinking about you know, going

655
00:32:54,120 --> 00:32:55,920
Speaker 3: with this company. Have you heard of it?

656
00:32:56,320 --> 00:32:56,520
Speaker 2: You know?

657
00:32:56,600 --> 00:32:59,280
Speaker 3: I if we have time, or if I have time,

658
00:32:59,360 --> 00:33:00,800
Speaker 3: if you guys want to share, like the name of

659
00:33:00,840 --> 00:33:03,120
Speaker 3: a company, I couldn't do a little bit of vetting,

660
00:33:03,360 --> 00:33:05,080
Speaker 3: but if I were going to do vetting, I would say,

661
00:33:05,120 --> 00:33:07,640
Speaker 3: you know, check with the Better Business Bureau, check the FTC.

662
00:33:08,320 --> 00:33:11,640
Speaker 3: This Consumer Financial Protection Bureau also keeps track of complaints

663
00:33:11,680 --> 00:33:14,640
Speaker 3: against companies. So if you're thinking about working with any

664
00:33:14,720 --> 00:33:16,880
Speaker 3: kind of firm who says that they can help you

665
00:33:16,920 --> 00:33:18,520
Speaker 3: get rid of a time share something like that, you

666
00:33:18,600 --> 00:33:20,239
Speaker 3: just want to do your due diligence first and make

667
00:33:20,240 --> 00:33:23,040
Speaker 3: sure that they're not, you know, doing something shady like

668
00:33:23,120 --> 00:33:25,320
Speaker 3: asking for all their fees up front, which is a

669
00:33:25,360 --> 00:33:29,360
Speaker 3: big red flag and things like that. So thank you

670
00:33:29,400 --> 00:33:30,200
Speaker 3: for your question.

671
00:33:30,720 --> 00:33:33,440
Speaker 2: Yeah, your quistion, would you want to do one more?

672
00:33:33,720 --> 00:33:35,800
Speaker 3: Should we do one more? Is anyone even listening? Are

673
00:33:35,840 --> 00:33:37,840
Speaker 3: they just all at protests right now? I don't know

674
00:33:38,040 --> 00:33:39,000
Speaker 3: what's happening? And more?

675
00:33:39,400 --> 00:33:40,520
Speaker 2: Yeah, let's do one more.

676
00:33:41,560 --> 00:33:46,080
Speaker 3: I've got to distract myselfs Ooh, no, Moss, Oh this

677
00:33:46,120 --> 00:33:47,520
Speaker 3: is funny. I think you and I talked about this,

678
00:33:47,600 --> 00:33:49,960
Speaker 3: But this isn't the question I planned to ask, but

679
00:33:50,000 --> 00:33:52,000
Speaker 3: it just popped up and I'm like, let's just let's

680
00:33:52,080 --> 00:33:54,520
Speaker 3: just get air this out and answer the question, because

681
00:33:54,560 --> 00:33:57,280
Speaker 3: this is not the first question we've gotten. Tiffany people

682
00:33:57,320 --> 00:34:00,479
Speaker 3: want to know you have been talking about your your

683
00:34:00,520 --> 00:34:03,719
Speaker 3: magical sister, which one is at LISTA No, Carol, Carol

684
00:34:03,880 --> 00:34:06,360
Speaker 3: who is like a stock picking wizard and they want

685
00:34:06,360 --> 00:34:07,560
Speaker 3: to know if she can come on and tell them

686
00:34:07,560 --> 00:34:08,200
Speaker 3: what stocks to pick.

687
00:34:08,239 --> 00:34:11,960
Speaker 1: Tiffany, honestly, Carol is gonna say and oh spells no

688
00:34:12,120 --> 00:34:15,719
Speaker 1: because she's like, she's like, I'm not an expert. I'm

689
00:34:15,840 --> 00:34:19,880
Speaker 1: just someone who you know, kind of pays attention to

690
00:34:19,920 --> 00:34:22,279
Speaker 1: the market. But she she's gonna say no because I

691
00:34:22,280 --> 00:34:23,840
Speaker 1: mean she, I mean Carol Supersponts.

692
00:34:23,840 --> 00:34:24,719
Speaker 2: She's an engineer, but.

693
00:34:25,200 --> 00:34:29,239
Speaker 1: She she doesn't do like She's not like Tila who

694
00:34:29,320 --> 00:34:32,160
Speaker 1: was like doing all this research whatever. She does just

695
00:34:32,320 --> 00:34:34,840
Speaker 1: enough to do what she needs to know to move forward.

696
00:34:35,239 --> 00:34:37,160
Speaker 1: And you know, and I'm not gonna say luck because

697
00:34:37,200 --> 00:34:38,640
Speaker 1: you know, like I said, she does just enough. But

698
00:34:38,680 --> 00:34:41,560
Speaker 1: I know her, she's going to be like, what, No,

699
00:34:42,000 --> 00:34:44,720
Speaker 1: I don't want to put someone else's life in my hands.

700
00:34:44,760 --> 00:34:47,440
Speaker 1: Even now, I was looking at like my wealth chat

701
00:34:48,400 --> 00:34:50,080
Speaker 1: and this is like the chat that I have with

702
00:34:50,120 --> 00:34:52,560
Speaker 1: her and a couple of other friends, and she was

703
00:34:52,600 --> 00:34:54,800
Speaker 1: posting like, hey guys, she just hit me and said,

704
00:34:55,120 --> 00:34:56,640
Speaker 1: do you have money in your robin hood?

705
00:34:56,680 --> 00:34:57,120
Speaker 2: I said yes.

706
00:34:57,160 --> 00:35:01,080
Speaker 1: She said, Okay, here are some stocks to you know

707
00:35:01,280 --> 00:35:06,200
Speaker 1: that keep an eye on, you know, especially after the election,

708
00:35:06,440 --> 00:35:09,680
Speaker 1: because you're we're likely to see some sort of dip

709
00:35:09,680 --> 00:35:12,360
Speaker 1: which is a great time to purchase. And so she

710
00:35:12,520 --> 00:35:15,520
Speaker 1: like she shared, like you know, like a screenshot of

711
00:35:15,600 --> 00:35:17,480
Speaker 1: like you know, like four or five stocks and like

712
00:35:17,800 --> 00:35:21,200
Speaker 1: what pricing I should be looking at. But like I said,

713
00:35:21,200 --> 00:35:22,680
Speaker 1: she kind of cobbles together things.

714
00:35:22,680 --> 00:35:23,680
Speaker 2: She's not just.

715
00:35:23,560 --> 00:35:26,359
Speaker 3: Teasing the people tip and he don't say, I ain't

716
00:35:26,400 --> 00:35:31,600
Speaker 3: trying to be stock advisors, y'all, but not. But you're

717
00:35:31,719 --> 00:35:34,640
Speaker 3: absolutely But her her instincts are so right. The principles

718
00:35:34,640 --> 00:35:36,480
Speaker 3: of investing are you want to buy low and sell

719
00:35:36,560 --> 00:35:39,359
Speaker 3: high and when you just have to have a good

720
00:35:39,360 --> 00:35:41,440
Speaker 3: stomach for it and money to play with play. But

721
00:35:41,480 --> 00:35:42,920
Speaker 3: I will say an operative word.

722
00:35:43,080 --> 00:35:45,279
Speaker 2: That this is what you know, what I can do.

723
00:35:45,920 --> 00:35:49,200
Speaker 1: I can share with you who she follows and really

724
00:35:49,239 --> 00:35:51,719
Speaker 1: says knows their stuff, and she like says, like you know,

725
00:35:51,760 --> 00:35:54,200
Speaker 1: they explain it well. So she really likes Tila. That's

726
00:35:54,200 --> 00:35:58,080
Speaker 1: someone she likes. She also likes a gentleman on Instagram

727
00:35:58,080 --> 00:36:00,600
Speaker 1: that she said that she likes him a lot. I

728
00:36:00,640 --> 00:36:04,000
Speaker 1: think his name is mister the Master Investor. She likes

729
00:36:04,040 --> 00:36:08,120
Speaker 1: him a lot. Now he is someone that studies study, study,

730
00:36:08,160 --> 00:36:12,520
Speaker 1: studies stocks and picks and not only picks, but she

731
00:36:12,680 --> 00:36:14,719
Speaker 1: looks at his stock picks and then compares her to

732
00:36:14,719 --> 00:36:17,120
Speaker 1: what she's thinking. But he's really good at like sharing

733
00:36:17,160 --> 00:36:20,040
Speaker 1: kind of like this is like basically historically about all

734
00:36:20,080 --> 00:36:22,839
Speaker 1: the research that I've done. If this stock falls below

735
00:36:22,880 --> 00:36:24,680
Speaker 1: this price, it's a really good price. So she really

736
00:36:24,719 --> 00:36:28,799
Speaker 1: likes Ian the Master Investor. She likes Tila Hocum, like

737
00:36:28,840 --> 00:36:30,560
Speaker 1: I said, And what I can do is I can

738
00:36:30,600 --> 00:36:33,040
Speaker 1: certainly ask who does she follow besides these two?

739
00:36:33,040 --> 00:36:34,360
Speaker 2: This is why I just heard her talk about.

740
00:36:34,480 --> 00:36:37,560
Speaker 1: But also too, maybe like what resources she's using to

741
00:36:37,600 --> 00:36:40,400
Speaker 1: make a decisions? I think that'll be a better a

742
00:36:40,440 --> 00:36:42,360
Speaker 1: better choice, Like, hey, these are the people that she

743
00:36:42,400 --> 00:36:44,160
Speaker 1: thinks are really great. These are the books that she

744
00:36:44,280 --> 00:36:46,920
Speaker 1: relied upon. This is like she uses Robin Hood and

745
00:36:47,239 --> 00:36:48,880
Speaker 1: you know, I don't know E Trade or whatever, So

746
00:36:48,920 --> 00:36:51,200
Speaker 1: I can I ask her those things, but yeah, she's

747
00:36:51,239 --> 00:36:51,719
Speaker 1: not coming on.

748
00:36:52,200 --> 00:36:55,520
Speaker 3: Yeah, And also it seems Carol has done her research.

749
00:36:55,600 --> 00:36:57,880
Speaker 3: And anybody can do research, like anyone can read the

750
00:36:57,880 --> 00:37:00,279
Speaker 3: books and learn the principles of investing. And I always

751
00:37:00,280 --> 00:37:03,200
Speaker 3: just tell my little brother about this because I'm like, listen,

752
00:37:03,239 --> 00:37:05,319
Speaker 3: even if you hire an investment advisor or someone who's

753
00:37:05,320 --> 00:37:07,600
Speaker 3: going to pick stocks for you. I think it's really

754
00:37:07,640 --> 00:37:10,000
Speaker 3: important for everyone to have a baseline understanding of like

755
00:37:10,040 --> 00:37:12,399
Speaker 3: what are they actually doing, and what like what's the

756
00:37:12,560 --> 00:37:15,359
Speaker 3: you know, what are standard you know, principles and and

757
00:37:15,480 --> 00:37:18,560
Speaker 3: really just understanding how the sausage gets made so that

758
00:37:18,640 --> 00:37:20,880
Speaker 3: you can be an educated consumer and you don't feel like,

759
00:37:21,880 --> 00:37:24,920
Speaker 3: I feel super uncomfortable if anyone's in a relationship with

760
00:37:24,920 --> 00:37:27,160
Speaker 3: a financial advisor or even just like a relative who's

761
00:37:27,160 --> 00:37:29,440
Speaker 3: making decisions and giving you advice, but you don't know

762
00:37:29,480 --> 00:37:32,560
Speaker 3: the thought that goes into it and the rationale behind

763
00:37:32,600 --> 00:37:36,800
Speaker 3: it exactly. But yeah, all right, no, Carol, you guys,

764
00:37:36,840 --> 00:37:37,960
Speaker 3: I know, but.

765
00:37:38,040 --> 00:37:43,839
Speaker 2: She's gonna she's going to be giggling like she's like no.

766
00:37:43,960 --> 00:37:46,279
Speaker 1: Plus, Carol has two little ones and all they do

767
00:37:46,320 --> 00:37:47,240
Speaker 1: is scream in the background.

768
00:37:47,520 --> 00:37:51,400
Speaker 3: So can I know, can Carol, can you curate a

769
00:37:51,440 --> 00:37:53,840
Speaker 3: list from Carol before this show airs?

770
00:37:55,320 --> 00:37:55,520
Speaker 2: Yeah?

771
00:37:55,520 --> 00:37:57,239
Speaker 1: Oh yeah, so certainly I can just say, you mean,

772
00:37:57,280 --> 00:37:58,880
Speaker 1: like just a list of the people that she likes

773
00:37:58,920 --> 00:37:59,440
Speaker 1: to learn.

774
00:37:59,280 --> 00:38:01,840
Speaker 3: From, I like her faceavorite resources. Yeah, I can do

775
00:38:01,920 --> 00:38:03,920
Speaker 3: that and we can send it to Cali, Carol and Kelly.

776
00:38:04,560 --> 00:38:06,520
Speaker 3: All right, and you can check the show notes for that.

777
00:38:06,960 --> 00:38:10,279
Speaker 3: All right, thank you, guys, so much for your questions. Lord,

778
00:38:10,360 --> 00:38:10,880
Speaker 3: have mercy.

779
00:38:10,960 --> 00:38:11,279
Speaker 2: I can't.

780
00:38:11,400 --> 00:38:14,640
Speaker 3: I'm like, I'm nervous to stop the show because once

781
00:38:14,800 --> 00:38:15,680
Speaker 3: the show is over.

782
00:38:15,800 --> 00:38:17,759
Speaker 2: Tiffany, Well, we do have boost and break, we do

783
00:38:17,800 --> 00:38:18,240
Speaker 2: have booster.

784
00:38:18,480 --> 00:38:20,400
Speaker 3: I know, I know, but it's like the end is

785
00:38:20,400 --> 00:38:23,160
Speaker 3: coming and I'm like, I won't talk to you again.

786
00:38:23,280 --> 00:38:25,160
Speaker 2: It's gonna be a whole different world. I know.

787
00:38:25,360 --> 00:38:26,400
Speaker 3: All Right, I'm getting it together.

788
00:38:26,800 --> 00:38:28,120
Speaker 2: Woos.

789
00:38:28,360 --> 00:38:30,800
Speaker 3: All right, let's get into these boost and breaks.

790
00:38:32,120 --> 00:38:38,080
Speaker 2: So now is it's time to boost, break up? Boost

791
00:38:38,280 --> 00:38:42,080
Speaker 2: a break? Are you gonna boost me? Or are you

792
00:38:42,080 --> 00:38:42,680
Speaker 2: going to break?

793
00:38:43,440 --> 00:38:45,879
Speaker 3: I feel like I should boost just to keep things light,

794
00:38:45,960 --> 00:38:48,360
Speaker 3: but I really wanted to share the statistic because it

795
00:38:48,400 --> 00:38:54,000
Speaker 3: freaked me out. Okay, fine, I will boost first. I

796
00:38:54,040 --> 00:38:59,080
Speaker 3: we haven't talked about Greenwood Bank yet, and thanks and

797
00:38:59,080 --> 00:39:01,120
Speaker 3: shout out to whoever Instagram was like, hey, y'all going

798
00:39:01,200 --> 00:39:03,480
Speaker 3: to talk about Greenwood because I totally we just did not.

799
00:39:03,520 --> 00:39:06,200
Speaker 3: We skipped right over it. But yeah, Greenwood Bank. I

800
00:39:06,239 --> 00:39:08,080
Speaker 3: don't know if they've officially launched it. There's a wait

801
00:39:08,080 --> 00:39:11,560
Speaker 3: list I believe to join. But this is a bank

802
00:39:11,600 --> 00:39:15,000
Speaker 3: that it's all about providing access to banking for black

803
00:39:15,080 --> 00:39:19,160
Speaker 3: and Latin X consumers check it out. Is dope great.

804
00:39:19,160 --> 00:39:22,000
Speaker 3: I think the website's just Greenwoodbank dot com. We'll put

805
00:39:22,000 --> 00:39:23,400
Speaker 3: a link in the show notes. But I thought this

806
00:39:23,560 --> 00:39:25,000
Speaker 3: was really good.

807
00:39:25,680 --> 00:39:26,560
Speaker 2: Yes, I love that.

808
00:39:26,640 --> 00:39:29,520
Speaker 1: I just I think, you know, having alternatives to banks

809
00:39:29,560 --> 00:39:31,759
Speaker 1: that don't say, hey, I would love to hire black

810
00:39:31,760 --> 00:39:34,839
Speaker 1: and brown people, but there's just no talented ones. Yeah,

811
00:39:34,880 --> 00:39:37,680
Speaker 1: so it's it's nice to have altered.

812
00:39:37,719 --> 00:39:39,840
Speaker 3: I would love to give my money to an institution,

813
00:39:40,000 --> 00:39:42,920
Speaker 3: like a black owned bank, especially like you know, the

814
00:39:42,960 --> 00:39:45,560
Speaker 3: thing is, we put it. We put together a list

815
00:39:45,640 --> 00:39:48,160
Speaker 3: Magnifi money dot com of black owned banks in America,

816
00:39:48,200 --> 00:39:50,359
Speaker 3: and you know they're dwindling, but there's still there still

817
00:39:50,400 --> 00:39:53,359
Speaker 3: are some in black owned bank institutions, black owned institutions

818
00:39:53,360 --> 00:39:57,279
Speaker 3: out there. What I found is like largely the rates

819
00:39:57,280 --> 00:39:59,960
Speaker 3: are not as competitive as like, especially the online bank.

820
00:40:00,160 --> 00:40:02,399
Speaker 3: You know, it's hard for them to compete, and when

821
00:40:02,440 --> 00:40:06,000
Speaker 3: you're trying to save strategically, it's like, ah this, you know,

822
00:40:06,160 --> 00:40:08,080
Speaker 3: you want to get the higher indust rate and you

823
00:40:08,120 --> 00:40:10,560
Speaker 3: know you have a little bit more accessibility with the

824
00:40:10,600 --> 00:40:13,200
Speaker 3: big with the big players. But at the same time,

825
00:40:13,239 --> 00:40:16,240
Speaker 3: I'm like, okay, if Greenwood can, like you know, really

826
00:40:16,840 --> 00:40:19,560
Speaker 3: get hit the map and and offer like competitive rates,

827
00:40:19,880 --> 00:40:22,920
Speaker 3: you know, modern services like all that stuff. Then that

828
00:40:22,960 --> 00:40:25,520
Speaker 3: could be really meaningful because it's so true. You know,

829
00:40:25,560 --> 00:40:29,360
Speaker 3: we have to vote with our dollars sometimes and listen

830
00:40:29,960 --> 00:40:32,360
Speaker 3: and where are money, like the banks that we go to.

831
00:40:32,440 --> 00:40:34,160
Speaker 3: If I have to read one more damn story about

832
00:40:34,160 --> 00:40:37,600
Speaker 3: Wells Fargo doing some crazy shit with people's money, it's like,

833
00:40:38,160 --> 00:40:40,080
Speaker 3: you know, I hope that this is not the first.

834
00:40:40,120 --> 00:40:41,440
Speaker 3: I hope this is the start of like a new

835
00:40:41,480 --> 00:40:45,440
Speaker 3: wave of minority owned financial institutions for our for the

836
00:40:45,480 --> 00:40:49,320
Speaker 3: sake of our our futures. Huh. I know, go Tiffany,

837
00:40:49,360 --> 00:40:50,719
Speaker 3: what's your break?

838
00:40:51,040 --> 00:40:54,359
Speaker 1: No, I just so I'll say that that I was

839
00:40:54,480 --> 00:40:57,719
Speaker 1: just thinking that today that, like you know, I am

840
00:40:57,800 --> 00:41:01,400
Speaker 1: seeing because of social media and online it has provide

841
00:41:01,440 --> 00:41:05,520
Speaker 1: opportunities for black and brown people like never before. It

842
00:41:05,600 --> 00:41:11,200
Speaker 1: has allowed you to bypass and sidestep certain gatekeepers. And

843
00:41:11,280 --> 00:41:12,799
Speaker 1: that's what I was telling myself today. I was like,

844
00:41:12,800 --> 00:41:15,320
Speaker 1: you know, I'm in a lot of like Facebook groups

845
00:41:15,320 --> 00:41:18,200
Speaker 1: and things where people are making their first six figures

846
00:41:18,239 --> 00:41:20,239
Speaker 1: because you know, they started an online business to cater

847
00:41:20,440 --> 00:41:23,080
Speaker 1: to people just like them. Like, Hey, I'm a black woman,

848
00:41:23,480 --> 00:41:25,120
Speaker 1: do black women want to buy my T shirts?

849
00:41:25,120 --> 00:41:27,279
Speaker 2: Sure do? Do you want to buy my skincare? Sure do?

850
00:41:27,920 --> 00:41:30,160
Speaker 2: So I just that kind of.

851
00:41:30,120 --> 00:41:31,840
Speaker 1: Gives me, you know, like a little bit of So

852
00:41:31,880 --> 00:41:34,000
Speaker 1: I was like really leaning heavily on that today because

853
00:41:34,040 --> 00:41:37,680
Speaker 1: I was just thinking that, you know that there there

854
00:41:37,760 --> 00:41:39,360
Speaker 1: is some hope. And you know what else happened that

855
00:41:39,440 --> 00:41:41,640
Speaker 1: was really good? Did we talk about Angela v McKnight

856
00:41:41,719 --> 00:41:42,160
Speaker 1: last time?

857
00:41:42,840 --> 00:41:43,239
Speaker 3: We did?

858
00:41:43,320 --> 00:41:43,600
Speaker 2: Okay?

859
00:41:43,680 --> 00:41:43,919
Speaker 3: Good?

860
00:41:44,360 --> 00:41:47,400
Speaker 1: So that too, because what I'm realizing too is that

861
00:41:47,400 --> 00:41:50,160
Speaker 1: there are you know, there's these little windows of opportunity

862
00:41:50,160 --> 00:41:53,560
Speaker 1: that really can really transform people's lives. So the more

863
00:41:53,800 --> 00:41:57,040
Speaker 1: that we are capable of being self sufficient, the more

864
00:41:57,080 --> 00:41:59,120
Speaker 1: we can bring other people up as well. And so

865
00:41:59,160 --> 00:42:00,840
Speaker 1: it just gave me kind of like that hope. You

866
00:42:00,880 --> 00:42:02,960
Speaker 1: know who put the battery in my back? I remember

867
00:42:03,000 --> 00:42:05,799
Speaker 1: it was far nouche at that conference that shall in

868
00:42:05,840 --> 00:42:06,239
Speaker 1: your back?

869
00:42:06,400 --> 00:42:11,359
Speaker 3: She did. I've hearned that expression. Really, no, let's go

870
00:42:11,480 --> 00:42:13,240
Speaker 3: for energized certificate exactly.

871
00:42:13,280 --> 00:42:15,520
Speaker 1: So it was a far nouche at that conference that

872
00:42:15,560 --> 00:42:18,799
Speaker 1: shall shall not be named. And she was sitting on

873
00:42:18,840 --> 00:42:21,880
Speaker 1: a panel and I think I asked a question about

874
00:42:23,120 --> 00:42:25,400
Speaker 1: I was like I had just my company had just

875
00:42:25,440 --> 00:42:28,520
Speaker 1: made six figures. And although I think I made like

876
00:42:28,520 --> 00:42:31,120
Speaker 1: thirty five thousand dollars that year, but I just was

877
00:42:31,160 --> 00:42:33,560
Speaker 1: saying that as I started to do better, I was

878
00:42:33,600 --> 00:42:36,680
Speaker 1: feeling a little guilty, like am I being greedy? Should

879
00:42:36,680 --> 00:42:39,520
Speaker 1: I slow down? And how much do I really need?

880
00:42:39,560 --> 00:42:42,480
Speaker 1: Because I'm kind of fine? And she said, well, if

881
00:42:42,680 --> 00:42:44,680
Speaker 1: I remember if far Noise was just so dope, she said,

882
00:42:45,080 --> 00:42:47,600
Speaker 1: that's great that you're fine. Then the other money is.

883
00:42:47,560 --> 00:42:48,080
Speaker 2: Not for you.

884
00:42:48,320 --> 00:42:51,920
Speaker 1: It's for the causes that only you will champion. It's

885
00:42:51,960 --> 00:42:54,759
Speaker 1: for the people that only you will see. It's for

886
00:42:54,960 --> 00:42:58,839
Speaker 1: the communities that only you are a part of. And

887
00:42:58,880 --> 00:43:02,440
Speaker 1: I remember what Farnoush effectively did. I don't even know

888
00:43:02,480 --> 00:43:04,880
Speaker 1: why I ever thanked her for this, was she made

889
00:43:05,360 --> 00:43:10,239
Speaker 1: my success less about me, because it was hard for

890
00:43:10,239 --> 00:43:12,200
Speaker 1: me to be like, well, how much money do I need?

891
00:43:12,280 --> 00:43:12,719
Speaker 2: How much?

892
00:43:12,880 --> 00:43:14,680
Speaker 1: And there's nothing wrong with having a lot of money,

893
00:43:14,760 --> 00:43:17,719
Speaker 1: but for me, it wasn't motivation enough, and she was

894
00:43:17,760 --> 00:43:21,640
Speaker 1: just selectifany if that's not moving you, then she said,

895
00:43:21,760 --> 00:43:24,560
Speaker 1: not everyone has the opportunity to grow great wealth. Let's

896
00:43:24,600 --> 00:43:26,680
Speaker 1: just like not pretend like we could all do whatever.

897
00:43:26,760 --> 00:43:29,480
Speaker 1: Now there are some of us who have the opportunity

898
00:43:29,719 --> 00:43:32,359
Speaker 1: to make a lot of money, and some even beyond that,

899
00:43:32,400 --> 00:43:35,080
Speaker 1: to grow great wealth. And if you have the opportunity,

900
00:43:35,120 --> 00:43:37,680
Speaker 1: it's selfish not to because it's not just about you.

901
00:43:37,719 --> 00:43:39,439
Speaker 1: It's about the people that you can help and serve.

902
00:43:39,719 --> 00:43:42,360
Speaker 1: And since then, I have never been ashamed to go

903
00:43:43,680 --> 00:43:48,040
Speaker 1: for it, because I honestly don't. I use the money

904
00:43:48,040 --> 00:43:50,880
Speaker 1: that I make, like largely really to because I'm my

905
00:43:50,880 --> 00:43:52,319
Speaker 1: family and I for the most part are good.

906
00:43:52,680 --> 00:43:52,880
Speaker 2: You know.

907
00:43:52,960 --> 00:43:55,800
Speaker 1: I really think about like what's the legacy, what schools

908
00:43:55,840 --> 00:43:58,920
Speaker 1: do I want to build, What people do I want

909
00:43:58,960 --> 00:44:01,560
Speaker 1: to put through through to, you know, give education to.

910
00:44:02,560 --> 00:44:04,960
Speaker 1: So yeah, those are That's really my boost is that,

911
00:44:05,080 --> 00:44:07,840
Speaker 1: like I think that as things change, I think you

912
00:44:07,840 --> 00:44:10,480
Speaker 1: said the best right earlier, Mandy, that like with credit

913
00:44:10,600 --> 00:44:13,719
Speaker 1: or whatever, that with time it's kind of like the

914
00:44:13,760 --> 00:44:17,920
Speaker 1: healer of things. And so as things change, I love

915
00:44:17,960 --> 00:44:20,239
Speaker 1: to see the change of access to opportunities that black

916
00:44:20,239 --> 00:44:23,040
Speaker 1: and brown people have. And if you have those opportunities,

917
00:44:23,280 --> 00:44:25,840
Speaker 1: go for it, go for it as hard as you

918
00:44:25,920 --> 00:44:28,600
Speaker 1: can and come back and bring the rest of us

919
00:44:28,680 --> 00:44:28,920
Speaker 1: with you.

920
00:44:29,760 --> 00:44:30,680
Speaker 2: Oh amen.

921
00:44:30,880 --> 00:44:33,680
Speaker 3: I love that you can tell that anecdote every freaking

922
00:44:33,719 --> 00:44:36,279
Speaker 3: episode for all I care, because it's true and I

923
00:44:36,640 --> 00:44:41,200
Speaker 3: and the and I think it's also just unfortunately or

924
00:44:41,239 --> 00:44:44,600
Speaker 3: fortunately because that's how we're you know, most of us,

925
00:44:44,640 --> 00:44:46,920
Speaker 3: a lot of us women are built is to to

926
00:44:47,040 --> 00:44:51,239
Speaker 3: not to not do things just for ourselves and to

927
00:44:51,280 --> 00:44:54,319
Speaker 3: feel guilty when you're doing them for yourselves. And you know,

928
00:44:54,360 --> 00:44:57,319
Speaker 3: there isn't a ton of virtue and just building a

929
00:44:57,360 --> 00:44:59,800
Speaker 3: big stock pile of money for you to stand on alone,

930
00:44:59,840 --> 00:45:02,040
Speaker 3: like there's my baby in the background who I'm building

931
00:45:02,080 --> 00:45:06,280
Speaker 3: wealth for. But that's why women in power are so needed.

932
00:45:06,280 --> 00:45:08,200
Speaker 3: That one hundred and fifteen women who are running for

933
00:45:08,280 --> 00:45:12,279
Speaker 3: Congress this election, like that women at the table. We

934
00:45:12,360 --> 00:45:14,880
Speaker 3: need a seat. And this is the statistic that I

935
00:45:15,040 --> 00:45:16,920
Speaker 3: was going to break, and I'll share it now in

936
00:45:16,960 --> 00:45:20,840
Speaker 3: this context. Because of the pandemic one and this was

937
00:45:20,880 --> 00:45:24,799
Speaker 3: a survey of forty thousand people, huge survey by McKenzie.

938
00:45:25,080 --> 00:45:27,960
Speaker 3: Because of the pandemic, one in four women say they're

939
00:45:28,000 --> 00:45:32,680
Speaker 3: considering leaving the workforce, work down or significantly taking a

940
00:45:32,719 --> 00:45:36,840
Speaker 3: step back from their workload. And that is that is huge,

941
00:45:36,880 --> 00:45:40,239
Speaker 3: and not in a good way. Fewer women in the

942
00:45:40,280 --> 00:45:43,400
Speaker 3: workforce is bad for families, but it's also bad for

943
00:45:44,040 --> 00:45:47,280
Speaker 3: just the future of our country. We have a different

944
00:45:47,320 --> 00:45:49,640
Speaker 3: point of view. And not just women like Carte Blonde,

945
00:45:49,719 --> 00:45:52,840
Speaker 3: like you know in general, but women have different backgrounds,

946
00:45:52,840 --> 00:45:58,279
Speaker 3: diverse backgrounds, socioeconomic, racial backgrounds. We need more women in

947
00:45:58,360 --> 00:46:02,359
Speaker 3: places of power because we have We're just much more likely,

948
00:46:02,400 --> 00:46:05,280
Speaker 3: I think, to think from a community aspect and to think,

949
00:46:05,600 --> 00:46:07,160
Speaker 3: you know, who can we help and who can we

950
00:46:07,200 --> 00:46:10,000
Speaker 3: bring up, and to think about people beyond ourselves. And

951
00:46:10,520 --> 00:46:12,480
Speaker 3: you know, I saw that stat and I was super

952
00:46:12,800 --> 00:46:15,319
Speaker 3: one grateful that I haven't had to step back that

953
00:46:15,400 --> 00:46:18,520
Speaker 3: I'm just making. I'm determined to just make COVID life

954
00:46:18,600 --> 00:46:23,000
Speaker 3: work with work and childcare. But I'm privileged in that I,

955
00:46:23,040 --> 00:46:24,880
Speaker 3: you know, have resources to help, and I have a

956
00:46:25,000 --> 00:46:27,560
Speaker 3: job that is flexible and I can stay at home,

957
00:46:27,600 --> 00:46:31,880
Speaker 3: and there's not women out there and God and people

958
00:46:31,920 --> 00:46:36,200
Speaker 3: need support. Like it is. People should be enraged about

959
00:46:36,239 --> 00:46:38,160
Speaker 3: so many things, but one of the things we should

960
00:46:38,200 --> 00:46:41,359
Speaker 3: really be enraged about is how our government only did

961
00:46:41,480 --> 00:46:44,600
Speaker 3: one round of stimulus checks for consumers, and that was

962
00:46:44,719 --> 00:46:48,560
Speaker 3: months ago. Unemployment benefits are running out, like families are

963
00:46:48,600 --> 00:46:51,960
Speaker 3: on the brink, and we need elected officials who are

964
00:46:52,000 --> 00:46:56,640
Speaker 3: going to care about the working families and women. I

965
00:46:56,800 --> 00:46:59,560
Speaker 3: believe wholeheartedly. If we get more of them in power,

966
00:47:00,040 --> 00:47:02,120
Speaker 3: we wouldn't have problems like we do now. You know,

967
00:47:02,200 --> 00:47:04,600
Speaker 3: where working families are just being left in the dust

968
00:47:05,000 --> 00:47:09,200
Speaker 3: while you know, politicians squabble. It's unfortunate. But Tiffany, you're

969
00:47:09,280 --> 00:47:11,919
Speaker 3: so you're so so right. We should go and get

970
00:47:11,920 --> 00:47:15,040
Speaker 3: that wealth and know that it's not just for us,

971
00:47:15,080 --> 00:47:17,560
Speaker 3: and let that if you need an excuse to feel

972
00:47:17,560 --> 00:47:20,520
Speaker 3: greedy or selfish, whatever, just remember you're not doing it

973
00:47:20,600 --> 00:47:22,319
Speaker 3: just for yourself, for everybody else.

974
00:47:22,800 --> 00:47:24,719
Speaker 1: When she said that, she said their causes that you're

975
00:47:24,760 --> 00:47:27,040
Speaker 1: going to champion and people that only you would want

976
00:47:27,040 --> 00:47:28,880
Speaker 1: to help, they need you, And I was like, oh

977
00:47:28,920 --> 00:47:30,440
Speaker 1: my gosh, I have to It makes me want to

978
00:47:30,520 --> 00:47:32,880
Speaker 1: text for now if you guys so far I know,

979
00:47:33,120 --> 00:47:34,560
Speaker 1: if you guys don't know far news, she'd.

980
00:47:34,400 --> 00:47:36,400
Speaker 2: Probably love to hear that, right. It's f A R

981
00:47:36,640 --> 00:47:37,880
Speaker 2: N O O s h.

982
00:47:38,000 --> 00:47:41,879
Speaker 1: She is amazing and she is one of the women

983
00:47:41,880 --> 00:47:44,160
Speaker 1: that we just highly respect and love in the in

984
00:47:44,200 --> 00:47:47,000
Speaker 1: the financial education space. She's always been such like an

985
00:47:47,040 --> 00:47:50,320
Speaker 1: amazing giver. She's brown herself. She's actually a New Jersey

986
00:47:50,320 --> 00:47:52,160
Speaker 1: girl living not too far for where I live now.

987
00:47:52,560 --> 00:47:54,920
Speaker 1: But yeah, that was just the like I said, the

988
00:47:54,920 --> 00:47:57,319
Speaker 1: battery in my back, and I just think I'm just

989
00:47:57,320 --> 00:48:00,160
Speaker 1: trying to hold onto that because I don't know, I'm

990
00:48:00,160 --> 00:48:01,719
Speaker 1: not you know, like I'm okay now, but I'm not

991
00:48:01,760 --> 00:48:03,360
Speaker 1: gonna lie. I huh whoo.

992
00:48:03,840 --> 00:48:05,239
Speaker 2: It's like starting to come over with me. I'm like, ah,

993
00:48:05,239 --> 00:48:09,360
Speaker 2: it's getting duck. It's getting duck. I help me almost tomorrow.

994
00:48:09,800 --> 00:48:13,360
Speaker 3: I know, I think we we're gonna have to just

995
00:48:14,440 --> 00:48:19,200
Speaker 3: listen whatever happens. I I have to be I have

996
00:48:19,239 --> 00:48:23,359
Speaker 3: to have I choose optimism because I just don't want

997
00:48:23,360 --> 00:48:26,600
Speaker 3: to be miserable. But however you're feeling, wherever you're at,

998
00:48:26,680 --> 00:48:29,680
Speaker 3: remember to take care of yourselves and your family, whatever happens.

999
00:48:29,680 --> 00:48:32,920
Speaker 3: To protect yourselves, protect your neighbor as well. Reach out

1000
00:48:32,920 --> 00:48:35,960
Speaker 3: to neighbors, your community. That's one thing that I think

1001
00:48:36,040 --> 00:48:37,759
Speaker 3: is another thing that's come out of this is just

1002
00:48:37,760 --> 00:48:40,120
Speaker 3: feeling more so closely connected to my neighbors and my

1003
00:48:40,120 --> 00:48:43,280
Speaker 3: neighborhood and my community. So reaching out of helping hand,

1004
00:48:43,760 --> 00:48:46,279
Speaker 3: you know, sharing what you have with others, just being

1005
00:48:46,320 --> 00:48:49,600
Speaker 3: a kind person. And you know, I think if we

1006
00:48:49,640 --> 00:48:52,400
Speaker 3: could just do more of that, then you know, we

1007
00:48:52,400 --> 00:48:55,680
Speaker 3: wouldn't have to be so terrified of what's happening. But

1008
00:48:56,400 --> 00:48:59,319
Speaker 3: if this podcast, if anyone's listening, I thank you. If

1009
00:48:59,320 --> 00:49:01,920
Speaker 3: you're in your bunker is listening, thank you. If we

1010
00:49:01,960 --> 00:49:04,960
Speaker 3: can be for this hour together, just a little bit

1011
00:49:04,960 --> 00:49:07,360
Speaker 3: of refuge from the insanity out there, so you know

1012
00:49:07,360 --> 00:49:10,439
Speaker 3: you're not alone, then we thank you for for being

1013
00:49:10,560 --> 00:49:11,560
Speaker 3: in this bunker with us.

1014
00:49:11,800 --> 00:49:12,000
Speaker 1: Yeah.

1015
00:49:13,680 --> 00:49:20,640
Speaker 2: Oh, a safe space even if you're well, what is it? Uh?

1016
00:49:20,960 --> 00:49:22,799
Speaker 2: Trade not trademark to you know? What do we say?

1017
00:49:23,400 --> 00:49:27,839
Speaker 3: Tia time char Tina, you're you're in the bunk? Or two?

1018
00:49:28,840 --> 00:49:29,640
Speaker 2: Okay?

1019
00:49:31,920 --> 00:49:34,520
Speaker 3: Oh man, well here's another I guess we have to

1020
00:49:34,560 --> 00:49:38,960
Speaker 3: I'm like, you hang up, you hang up? What do

1021
00:49:39,000 --> 00:49:40,560
Speaker 3: we have to look forward to? I would like to

1022
00:49:40,600 --> 00:49:42,919
Speaker 3: say last week we did talk about Angela mcviee that's

1023
00:49:42,920 --> 00:49:45,640
Speaker 3: her name or Angela Midnight. Why do I see to

1024
00:49:45,680 --> 00:49:49,160
Speaker 3: keep doing that? Sorry? She just does not deserve that anyway.

1025
00:49:50,120 --> 00:49:52,480
Speaker 3: Who is the what councilwoman.

1026
00:49:51,960 --> 00:49:55,840
Speaker 1: Or she's assembly woman of a New Jerseymily woman in

1027
00:49:55,920 --> 00:49:58,680
Speaker 1: Jersey City, New Jersey, amazing in Jersey.

1028
00:49:58,400 --> 00:50:01,640
Speaker 3: City, who wrote the budget to law with Tiffany years ago.

1029
00:50:01,880 --> 00:50:04,960
Speaker 3: And so we talked about that and just about women

1030
00:50:05,000 --> 00:50:08,640
Speaker 3: in power and locally elected officials not just on the

1031
00:50:08,680 --> 00:50:10,880
Speaker 3: national stage, and how important they are and how impactful

1032
00:50:10,920 --> 00:50:15,560
Speaker 3: they can be. And I reached out to the founders

1033
00:50:15,600 --> 00:50:19,440
Speaker 3: of Higher Heights, which is a nonprofit that their whole

1034
00:50:19,520 --> 00:50:22,320
Speaker 3: mission is to get women of color into elected office

1035
00:50:22,719 --> 00:50:26,440
Speaker 3: from the ground up, from super local to national stage,

1036
00:50:26,480 --> 00:50:29,000
Speaker 3: and they are definitely interested in coming on the show,

1037
00:50:29,040 --> 00:50:31,560
Speaker 3: so I am working on booking them, and the whole

1038
00:50:31,600 --> 00:50:33,040
Speaker 3: point of that show. I want to make it all

1039
00:50:33,080 --> 00:50:36,040
Speaker 3: about how like I want a brand ambition listener to

1040
00:50:36,120 --> 00:50:39,320
Speaker 3: run for office, Like I want to help people understand

1041
00:50:39,320 --> 00:50:41,960
Speaker 3: what does it take. How can you get involved at

1042
00:50:41,960 --> 00:50:44,879
Speaker 3: your local level? Because like if you look at who

1043
00:50:44,960 --> 00:50:47,640
Speaker 3: was in your town, you know, your town council or

1044
00:50:47,719 --> 00:50:50,920
Speaker 3: I don't know what kind of different like municipal governments

1045
00:50:50,920 --> 00:50:53,319
Speaker 3: out there. Everyone's a little bit different. But there are

1046
00:50:53,719 --> 00:50:55,920
Speaker 3: a lot of people serving who have just been serving

1047
00:50:56,200 --> 00:50:59,480
Speaker 3: for years and decades, like just because no one else

1048
00:50:59,520 --> 00:51:02,879
Speaker 3: has ever chetchallenge that. And I really want to. I'm

1049
00:51:02,880 --> 00:51:05,600
Speaker 3: excited to talk to Higher Heights and hear, you know,

1050
00:51:05,680 --> 00:51:08,680
Speaker 3: what guidance and tips they might have for anyone listening

1051
00:51:08,719 --> 00:51:10,920
Speaker 3: who who has been thinking. You know, I'm ready to

1052
00:51:10,960 --> 00:51:14,120
Speaker 3: step up and do something a little bit more that

1053
00:51:14,160 --> 00:51:17,200
Speaker 3: would be amazing an ambition pack.

1054
00:51:17,840 --> 00:51:18,480
Speaker 2: Exactly, why not?

1055
00:51:18,719 --> 00:51:21,799
Speaker 1: Yeah, no, really, honestly, that would be amazing. So I

1056
00:51:21,800 --> 00:51:24,480
Speaker 1: want to focus on what we can do so regardless of.

1057
00:51:24,400 --> 00:51:29,200
Speaker 3: What happens, well right now, if we can go hug

1058
00:51:29,280 --> 00:51:33,560
Speaker 3: our families and take some time and breathe and try

1059
00:51:33,560 --> 00:51:34,920
Speaker 3: to avoid the news, that's what I feel like I

1060
00:51:35,000 --> 00:51:38,839
Speaker 3: can do right now. Yes, all right, all.

1061
00:51:38,800 --> 00:51:41,160
Speaker 2: Right now you on the other side, darling, I'll see

1062
00:51:41,160 --> 00:51:44,200
Speaker 2: you at the cross. Well you will be lowly. Let me.

1063
00:51:46,200 --> 00:51:47,839
Speaker 3: In my head. Is not what I need right now.

1064
00:51:48,000 --> 00:51:49,680
Speaker 2: This is This is a little funny that we could

1065
00:51:49,719 --> 00:51:50,000
Speaker 2: end with.

1066
00:51:50,080 --> 00:51:52,200
Speaker 1: I was taking a walk today and I saw a

1067
00:51:52,239 --> 00:51:54,120
Speaker 1: sign and that said, this doesn't look like, you know,

1068
00:51:54,239 --> 00:51:56,040
Speaker 1: a Trump sign or a Biden kamala.

1069
00:51:56,600 --> 00:51:58,840
Speaker 2: You know Joe Joe Biden kamala. How as signed? I

1070
00:51:58,880 --> 00:51:59,520
Speaker 2: looked up closely.

1071
00:51:59,560 --> 00:52:03,879
Speaker 1: Why it's said presidents come and go, but Wu tang

1072
00:52:03,960 --> 00:52:04,360
Speaker 1: is forever.

1073
00:52:05,320 --> 00:52:06,719
Speaker 3: Oh my god, I'm not gonna lie.

1074
00:52:06,800 --> 00:52:08,640
Speaker 2: That gave you a little chuckle all my walk today

1075
00:52:08,680 --> 00:52:10,640
Speaker 2: and I said, get no what Wu.

1076
00:52:10,560 --> 00:52:14,040
Speaker 1: Tang is forever? So let that sizzle in your spirit,

1077
00:52:14,480 --> 00:52:16,240
Speaker 1: no matter what happens tomorrow.

1078
00:52:17,600 --> 00:52:21,680
Speaker 3: In your spirit. All right, y'all, hang in there. We'll

1079
00:52:22,520 --> 00:52:25,160
Speaker 3: you know, we'll talk to you next week.

1080
00:52:25,560 --> 00:52:27,480
Speaker 2: We hope all right.