Speaker 1: Mandra, Do you know what I need? I need to
Speaker 1: walk in these streets in my BA swag. You know
Speaker 1: what I'm really looking forward to? First of all, be
Speaker 1: your own Brown Boost. What an awesome phrase. I cannot
Speaker 1: wait to wear that on my chest like Superman. And
Speaker 1: what I'm really excited for, though, is I am a
Speaker 1: sweatshirt and like hoodie girl. So the classic Brown Ambition
Speaker 1: logo sweatshirt has my name all over it.
Speaker 2: But where can I go? Where can I find it?
Speaker 3: I was hoping you would ask Young Tiffany. Tiffany, get
Speaker 3: your Brown Ambition swag at Brown Ambitionstore dot com. Five
Speaker 3: years in the game, we finally have merch for you guys.
Speaker 3: So get your Brown Ambition hoodie, your Brown Ambition crew
Speaker 3: neck tea, get a onesie for your littles. We got
Speaker 3: toddler teas. Oh my goodness, there's something for everyone. Be
Speaker 3: your own Brown Boost T shirt for sure. We have
Speaker 3: a Brown Ambition mug, which my family is most excited about.
Speaker 3: I had to do the fifteen out size for my
Speaker 3: big sister because she drinks coffee like nobody's business.
Speaker 2: Oh you know, I'm the budgetish to write any special offer.
Speaker 3: Oh I'm also very glad you asked that question, Tiffany. Yes,
Speaker 3: with Brown Ambition fifteen, that's promo code Brown Ambition fifteen
Speaker 3: all one word, you can get fifteen percent off your
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Speaker 1: I can't wait to see y'all in these BA streets
Speaker 1: repping BA bam with your BA swag. Hey, Hey, hey,
Speaker 1: I'm like, so, what do you think our future selves
Speaker 1: are feeling right now?
Speaker 3: I don't know how are you guys? Are you like, okay,
Speaker 3: it's so bizarre. Yeah, I do feel like we're talking
Speaker 3: to the future. I mean, or we could just be
Speaker 3: in the same damn spot we are now. Maybe are we?
Speaker 3: I'm gonna I hope that we're, but we could also
Speaker 3: be uncertain.
Speaker 1: Still, Yes, this is very true, because the future, it's
Speaker 1: so guys. We tape typically Manday and I tape our
Speaker 1: podcast on Mondays and then they don't go a lot
Speaker 1: to Wednesday, And for those of you in the future,
Speaker 1: yesterday was the election, and so we might not know.
Speaker 1: It's Wednesday, so we might not know the outcome.
Speaker 3: Yeah, I know how many atavand tablets I have left
Speaker 3: to get me through these next twenty four hours. I
Speaker 3: know that much. I counted them this morning.
Speaker 1: I know how much toilet issue I have because has
Speaker 1: been obsessively texting make sure you have all your mix,
Speaker 1: make sure you have all toilet tissues and your food
Speaker 1: and your water and yet this, and make sure you
Speaker 1: lock the doors because apparently, you know, if we normally
Speaker 1: sleep at the doors wide open, while we locked doors,
Speaker 1: I'm like, Mommy, we locked the doors out of back on.
Speaker 3: A basis they're coming for you.
Speaker 2: Well, it was, I guess.
Speaker 3: It wasn't until today that someone mentioned businesses have been
Speaker 3: boarding up. And you know, here in New York, Trump
Speaker 3: supporters shut down for a little bit. One of the
Speaker 3: major bridges near actually the ten minutes from where we live,
Speaker 3: the Mario Cuomo Bridge, and that freaked me out that
Speaker 3: they just stop traffic for no good goddamn reason.
Speaker 2: Saw well, you know, wait, okay.
Speaker 3: Yeah, yeah, it's just and today the feeling at work
Speaker 3: was super dense, and I felt I felt like as
Speaker 3: a manager I needed to just bring some like just
Speaker 3: be positive, just try so. I like, played music, I
Speaker 3: made jokes, try to make a jerk of myself, like
Speaker 3: make them, you know, just make fun because you know,
Speaker 3: you can just tell everyone is on edge.
Speaker 2: Yeah, because it's scary times, honestly.
Speaker 3: It really is. And but I do feel the sense
Speaker 3: of personally, I can sleep knowing I did everything I
Speaker 3: had the time and the bandwidth in the mental you know,
Speaker 3: space to do in terms of help encouraging family to
Speaker 3: get out and vote, help making sure that I got
Speaker 3: myself to vote, my husband, his family, you know. And
Speaker 3: I feel like at this point, we just got to
Speaker 3: see what happens, you know, and we have to hold
Speaker 3: elected officials definitely accountable. And I really feel, you know,
Speaker 3: I hate that we're the ones you have to suffer
Speaker 3: through this, but this is a really good example of
Speaker 3: what happens when citizens forget the power that they hold.
Speaker 3: And you know, even if this has to go to
Speaker 3: the courts, we're going to find out the repercussions, you know,
Speaker 3: the ripple effect that was caused you know, four years
Speaker 3: ago when this person was elected, and how it goes
Speaker 3: so far beyond the White House. So pay attention, and
Speaker 3: let's just I hope that we can just learn these
Speaker 3: lessons and never forget them, ever forget.
Speaker 1: Yes, I mean there was actually this really great post
Speaker 1: that someone shared. It basically was like, you know, for
Speaker 1: those of you who have been vocal. I'm not just
Speaker 1: supporting this adminute, but some people, of course, you know,
Speaker 1: have gone above and beyond to be instead of Black
Speaker 1: Lives Matter having bumper sticker said that say black lives splatter.
Speaker 1: And for those of you who have like actively been
Speaker 1: vocally racist and transphobic and homophobica and all these other things,
Speaker 1: that like, here's the thing that one day this man
Speaker 1: won't be president. Whether it's in three months or maybe
Speaker 1: the next four years, no one knows, right, but your
Speaker 1: family and friends will always always always your your neighbors,
Speaker 1: your coworkers, You're that stain will always be on you.
Speaker 1: Like I just don't you know what I mean, I
Speaker 1: just I guess what shocks me is how it's like
Speaker 1: when I see men argue over viciously over their team,
Speaker 1: like no the bulls are better, No the Spurs, and
Speaker 1: you're like Michael Jordan does not know.
Speaker 4: You, you know, because I like, you see literally people breaking
Speaker 4: the law, putting their own freedom in jeopardy, Like there
Speaker 4: was a I use the word gentleman loosely who took
Speaker 4: one of those cat those like not a bulldozer, the
Speaker 4: smaller ones.
Speaker 1: You know, I don't know what they call I feel
Speaker 1: like Bob kind of yeah, right, took one of those
Speaker 1: bobcats and in his town and anybody's lawn that had
Speaker 1: a Biden Come All a sign. He you know, didn't
Speaker 1: just take the sign because that was just too light,
Speaker 1: used the bobcat to basically dig the sign out of
Speaker 1: their front lawn and went like, you know, so using
Speaker 1: a vehicle doing more than fifteen hundred dollars worth of
Speaker 1: damage to property, which makes it a felony. Now, so
Speaker 1: even if this person wins the presidency either way, you'll
Speaker 1: enjoy it from jail.
Speaker 2: I just I guess that's the part that like.
Speaker 1: Really flabbergasts me. For lack of a better word, it's
Speaker 1: like what I just well, you know what, I just
Speaker 1: don't know. That's people are just raggedy. That's been the
Speaker 1: word that has been the pervasive word for me. There
Speaker 1: are some people who are just really Raggedy's one thing
Speaker 1: to say this is what I'm voting for, Okay. It's
Speaker 1: another thing to like run your car through a crowd
Speaker 1: of people, shoot people at a protest.
Speaker 2: You know. I just yeah, people, and.
Speaker 3: I'm I you know, in a way, I'm grateful because
Speaker 3: it's shown, it's it's given people like the past four
Speaker 3: years have made certain people feel comfortable showing sides of
Speaker 3: themselves that they weren't showing before. And I think we
Speaker 3: can all be where. I feel much more educated about
Speaker 3: the people in my circle, my family, my extended family.
Speaker 3: I know where people stand, and you know what, I'm like,
Speaker 3: I'm glad because why continue, you know, putting on a facade,
Speaker 3: and especially growing up in the South, being always taught,
Speaker 3: you know, politics was and polite conversation. You don't ask
Speaker 3: people where they stand on certain issues. I feel like
Speaker 3: at least that's you know, one of the over linings
Speaker 3: is that it's become you can't escape it. This pandemic
Speaker 3: year itself, I mean, it has forced everyone to have
Speaker 3: to reckon with what they believe and decide where they
Speaker 3: stand in that I'm grateful for. I was also, you know,
Speaker 3: another silver lining I was just reading. There was a
Speaker 3: report that came out. I think it's the Center for
Speaker 3: Women Center for American Politics put out a report. Did
Speaker 3: you know one hundred and fifteen women of color are
Speaker 3: running for election in the House this year, which is
Speaker 3: pretty remarkable. Like, right now, let me look at my
Speaker 3: let me look at my little notes. There's something like
Speaker 3: what forty waiting to see? Let me get my notes?
Speaker 3: Where are my paper's at?
Speaker 2: Ooh, I'm old.
Speaker 3: I got a squint. Forty eight out of one hundred
Speaker 3: and twenty seven congresswomen right now, that's only forty eight
Speaker 3: are BIPOC, and yes, one hundred and fifteen BIPOC women
Speaker 3: are running for election. And I do feel like this
Speaker 3: is the change that, for better or for worse, Trump
Speaker 3: selection has brought about, and not just Trump selection, but
Speaker 3: everything happening with racial and social unrest. It has, It's
Speaker 3: given people, it's lit fire under our butts to realize
Speaker 3: the power we have as women and how much we
Speaker 3: are needed, and that you know, running for office is
Speaker 3: not the only thing you can do to act and
Speaker 3: better society, but it means a whole hell of a lot.
Speaker 3: So I looked at that, and you know, I saw
Speaker 3: that on GMA this morning, and that gives me. That
Speaker 3: gives me hope.
Speaker 1: Yeah, I mean I and nothing lasts for always, right,
Speaker 1: all folks, So truble don't last always, Although I will
Speaker 1: say tomorrow I am a little you know, like if
Speaker 1: you could stand inside, stand inside, especially if you live
Speaker 1: in an area where you've seen those Trump trains, because
Speaker 1: I feel like people feel more emboldened to be wanton
Speaker 1: in wild and.
Speaker 3: If you do go out there, bring your cell phones
Speaker 3: and court everything. That's how I feel.
Speaker 1: And your taser. I mean literally, I went for a
Speaker 1: walk today. SUPERMANO was like, you have your taser? And
Speaker 1: every yeah, he always he got me a taser a
Speaker 1: while ago, just because he's like, he got me everybody
Speaker 1: in the house has a taser. And then he made
Speaker 1: us because my sister stays with me, and of course
Speaker 1: super Girl is here, so he's like, oh yeah, when
Speaker 1: you need to have a taste, he got us pink
Speaker 1: tasers because you know sex and I know. But then
Speaker 1: if you had to have taser class with him, I
Speaker 1: was like, I don't know, have danger class. He's like,
Speaker 1: show we had to turn it on, so we had you.
Speaker 1: I was like, oh my god. But I'm not gonna
Speaker 1: lie during times like this. When I went out for
Speaker 1: my I try to take a walk every day. I
Speaker 1: went out for my walk, he said, do you have
Speaker 1: your taser? Normally I'm like, oh boy, but today I
Speaker 1: was like, you know what, I don't let me go
Speaker 1: upstairs and get.
Speaker 3: It, Well, you might need it if you're fighting the
Speaker 3: panic shopping comes back and people are fighting over bounty again.
Speaker 1: Right, Well, I was just going for a walk, and
Speaker 1: I guess he's just basically like, you know, he just yeah,
Speaker 1: I just it's times where normally I wouldn't. I'm like,
Speaker 1: it's so extra, but you know, if my mom making
Speaker 1: sure make sure you have enough food and water and
Speaker 1: this and that, and I think it's just more so
Speaker 1: not that there's not going to be any of those things,
Speaker 1: but if you don't have to be in the fray.
Speaker 1: I mean where I live is live is fairly liberal,
Speaker 1: but I walked to my neighborhood today and there were
Speaker 1: two homes that had Trump signs. You know, everybody else,
Speaker 1: Like I said, the New York is a pretty liberal
Speaker 1: you know, black and brown city. But still, yeah, you know,
Speaker 1: and you just don't know what people will do, and so.
Speaker 3: Yeah, thinking about our future selves again, I just hope.
Speaker 3: I hope at least if you go to vote on
Speaker 3: an election day, that you were able to vote and
Speaker 3: it is peaceful and your vote is counted, because I
Speaker 3: do know there's so many especially black families in particular,
Speaker 3: I'm saying families, but black people in particular like to
Speaker 3: vote on election day, you know. And I think about
Speaker 3: Fulton County and Atlanta. Everyone's got every Atlanta is in
Speaker 3: Fulton County. But anyway, everyone's eyes are on battleground states
Speaker 3: like Georgia and Florida and Texas, Michigan, and especially in Georgia,
Speaker 3: where there's just there's been so much evidence of voter suppression.
Speaker 3: Stacy Abrams was giving a really powerful speech. I don't
Speaker 3: know if it was yesterday or today, but I saw
Speaker 3: a clip of it, and I mean, you really have
Speaker 3: to be determined if you're going to go on election day.
Speaker 3: I hope people stay. Don't let people, you know, talk
Speaker 3: you out of voting. Let's get it done. But for
Speaker 3: you know, when when when Biden says this is a
Speaker 3: fight for the soul of the nation, I think how
Speaker 3: tomorrow goes is going to send a message to the world.
Speaker 3: You know, are we still the America that we say
Speaker 3: we are? You know, is this most powerful democracy in
Speaker 3: the world or is it fracturing? And I really mean,
Speaker 3: I'm pray to God, whether you support Trump or Biden,
Speaker 3: I just want us to have a peaceful election. It
Speaker 3: is such a fundamental part of our democracy that we
Speaker 3: go to the polls and we vote and it is
Speaker 3: safe and votes are counted, and if we don't have that,
Speaker 3: that terrifies me more. So That's what I think about.
Speaker 3: And you know, hey, futureselves, I hope, I hope you
Speaker 3: all are doing okay.
Speaker 2: Yeah, yeah, I mean, because what else can you say? Honestly,
Speaker 2: I hope you're doing okay.
Speaker 3: I hope you're planning. I'm planning a vacation. I'm taking
Speaker 3: the last I am thinking about Crimis. I am Chrimas.
Speaker 3: I'm thinking about Chrimas. I'm thinking about it.
Speaker 1: It's like you can't think about Crimis until thanks Gimmen
Speaker 1: is done.
Speaker 3: No, I'm good. I want crimas well. Thanksgiving is like
Speaker 3: my It's also Rio's first birthday. I'm excited about that.
Speaker 3: I've already got some plans in the work. But for Crimas,
Speaker 3: I have a toddler, basically he's he's not even one yet,
Speaker 3: but he's almost walking. And I really, for my own
Speaker 3: just my own sanity, I don't want to have to
Speaker 3: keep him from knocking your Christmas tree down every day.
Speaker 3: So I decided we're gonna go to like a real
Speaker 3: live Christmas tree farm in the country now, because you
Speaker 3: know Georgia, and we're gonna we're gonna cut down our
Speaker 3: own tree. Did they let you cut it yourself? Whatever?
Speaker 3: I pick out our own tree, Sorry, farmer, I mean,
Speaker 3: but they might let me anyway. And we're gonna put
Speaker 3: it in the front yard and I'm gonna light that
Speaker 3: sucker up like the Rockefeller tree. We're gonna have like
Speaker 3: a tree lighting, and I want to get a huge one.
Speaker 3: And what inspired me was my little neighborhood. I mentioned
Speaker 3: my neighborhood. It's it's a rare, you know, kind of
Speaker 3: old black, middle class neighborhood in our pocket of suburbia.
Speaker 3: And there's just a lot of really cool history here.
Speaker 3: And there's a small kind of civic association. We don't
Speaker 3: pay h away fees, but there is a little group
Speaker 3: of people who, you know, try to keep the neighborhood
Speaker 3: organize and like know your neighbors and stuff. And just
Speaker 3: randomly this these these two people and names Paula and Josie,
Speaker 3: they just hosted a Halloween street party and they shut down,
Speaker 3: they got the street closed off and they had like
Speaker 3: a bouncy castle and we got all dressed up. Rio
Speaker 3: was baby Yoda. I was Rey from Star Wars. That's
Speaker 3: the extent of my Star Wars knowledge. Do not ask
Speaker 3: me any follow up questions. But we all went and
Speaker 3: like Paula's husband was cooking on the grill, and it
Speaker 3: was just so nice. We all social distance, but I
Speaker 3: was like, you know, if we could just stay in
Speaker 3: this little pocket of community in our neighborhood, things are
Speaker 3: nice here. So hopefully I was thinking, you know, look
Speaker 3: at the big tree. Maybe we'll do like a Christmas
Speaker 3: festival thing just for the neighborhood or something, because it
Speaker 3: just it felt really good.
Speaker 1: Yeah, no, that's great. I love, you know what I
Speaker 1: love when a neighborhood is a neighborhood. I grew up
Speaker 1: like in a neighborhood like that, where like I knew
Speaker 1: I would say, on our block there was maybe like
Speaker 1: ten houses, and the ten houses, I think we basically
Speaker 1: knew everyone, you know, and half of them more than
Speaker 1: half of them had kids our age, and so like
Speaker 1: a really neighborhoody neighborhood is great, where like the neighborhood's
Speaker 1: your key, and if you leave your light on, you
Speaker 1: get a text or a phone call or you know,
Speaker 1: those things are those things are nice. My our favorite
Speaker 1: neighbors from across the street, remember the guys Keith, Yeah,
Speaker 1: Keith and Creithan's partner. He just put out his sign Biden,
Speaker 1: come on.
Speaker 3: OK.
Speaker 2: That was like, I guess.
Speaker 3: I sent one to my mother because I was like,
Speaker 3: I was going to buy one, but it's like thirty
Speaker 3: five bucks and they honestly, we don't need another Biden
Speaker 3: sign in my area. We're very progressive here. But I
Speaker 3: sent one to her because she's in like this. Uh,
Speaker 3: she's in this pocket outside of Saint Louis, Missouri, where
Speaker 3: it's kind of dicey. And she told me on on Halloween,
Speaker 3: when they had all the trick or treats coming through
Speaker 3: their neighborhood, one of her neighbors came up and he
Speaker 3: just whispered. He's like, I don't want people to hear
Speaker 3: me say this, but I like your sign. I like
Speaker 3: your Biden sign. She also has a Black Lives Matter sign.
Speaker 3: My mom has been I just wow, she has come
Speaker 3: a long way, long way, and I don't think she
Speaker 3: would have come this far without the pandemic and the
Speaker 3: real uncomfortable discussions we had as a family this summer.
Speaker 3: And I you know. I it's it's you can't. It's
Speaker 3: hard to be grateful for something that is so awful.
Speaker 3: Over two hundred thousand people in this country alone, millions
Speaker 3: across the world have died. But in a way it
Speaker 3: created the circumstances for these conversations to happen. And my
Speaker 3: mom put out a black lives freaking math's huge. Come on.
Speaker 1: So yeah, I know, I'm not gonna lie. I just
Speaker 1: I have just been online just to like there's certain
Speaker 1: pages that, like, you know, they don't do political because
Speaker 1: I've been like super political, like what that was okay today? No, no, no, no,
Speaker 1: but they're like, you know, like, hey, I'm rebnovating my house.
Speaker 2: I'm like, okay, Oh look at my dog. Isn't he's
Speaker 2: so cute in his Halloween costume. I'm like, oh, he
Speaker 2: is so cuteness Halloween costume. Like so that's That's the
Speaker 2: only time I've been online today is to kind of
Speaker 2: look at that. You know.
Speaker 1: Definitely work with the team. I will say that there
Speaker 1: was a funny meme that Logan on my team prosts.
Speaker 1: I said, Logan, you are a hot mess. This was
Speaker 1: like like this weekend or late last week. She said,
Speaker 1: what y'all wear into next week's civil war?
Speaker 2: I said, Logan, Oh no, I was like loss.
Speaker 3: She was like, what, I don't think our youth are prepared,
Speaker 3: Like no one knows how to fight, Like they don't teach.
Speaker 2: You a battle comic.
Speaker 3: We like all the children today just game like, like
Speaker 3: we're not prepared to fight each other. It's gonna be
Speaker 3: a real funny battle.
Speaker 1: And I was sicker to myself almost like you know
Speaker 1: what Sometimes I'm you know, I'm like when I look
Speaker 1: at Superman, I'm like, oh, he's so rough around the edges.
Speaker 1: I'm not gonna lie times like this, I'm like, yes,
Speaker 1: bring the roughness forward.
Speaker 2: Remember those fights in high school? Bring them for no.
Speaker 2: But like I'm I mean, you never know.
Speaker 1: But like I said, nor if it is pretty liberal
Speaker 1: and pretty you know, we're some andre for the most part,
Speaker 1: even Keith across the street, you know he don't want
Speaker 1: to throw them hands anyway. But plus I see his son.
Speaker 1: Progressives can be assholes too. You know, we're allowing you
Speaker 1: everyone to be very multifaceted.
Speaker 2: You know, true, It's true.
Speaker 3: You know the jerks you're gonna vote vote for Biden,
Speaker 3: you know what I mean? Like we uh we we
Speaker 3: need every every vote counts, okay, even Keith so he
Speaker 3: can get a point. Yeah, all right, well let's let's
Speaker 3: take a quick break future selves. I hope that you
Speaker 3: know you're doing okay and coping well, but let's take
Speaker 3: a quick break, come back with some question.
Speaker 1: So we are back to my favorite section of the show,
Speaker 1: which would be question questions.
Speaker 3: I literally my brain just froze. I'm back.
Speaker 2: What's going on? I'm not gonna lie. Yes, there's so
Speaker 2: much going on.
Speaker 3: There's so much going on. Well, thank y'all. I did
Speaker 3: a really bad Instagram live yesterday because I just wanted
Speaker 3: to say hi and thank you to all of our
Speaker 3: BA fans. And some of you guys were like, hey,
Speaker 3: I've asked a question, it hasn't been answered yet, ask
Speaker 3: it again. You know, just our dms have gotten a
Speaker 3: little Craig Cray. I still try and read them all,
Speaker 3: but sometimes I just you know, I'll forget if I
Speaker 3: read something, So send them again. And also you can
Speaker 3: hit me up at Mandy Money my personal inst a
Speaker 3: Instagram account. Be a little persistent. I'm not mad at that,
Speaker 3: and it's Mandy with an I. But thank y'all for
Speaker 3: joining that, and I will take this question from the
Speaker 3: Graham All right, this comes from Instagram user. We'll call
Speaker 3: her Sam. Sam has a question about some credit card debt.
Speaker 3: All right, you ready? I have about forty three hundred
Speaker 3: dollars left of credit card debt between two credit cards
Speaker 3: with high interest rates. Lending Tree. Oh, I know that company.
Speaker 3: Blending Tree suggests that I take out a personal loan
Speaker 3: and transfer both balances to the personal loan. They also
Speaker 3: suggest that I get more credit because my credit utilization
Speaker 3: or what does she mean? Her my credit is low?
Speaker 3: Probably her just available credit?
Speaker 2: Yeah, utilization, I know. She means.
Speaker 3: I'm nervous. If I attempt to get a loan for
Speaker 3: a house or a car, I may not be approved
Speaker 3: because I don't have enough credit history. I have several
Speaker 3: cards with under twelve hundred dollars credit limits? Is it
Speaker 3: a smart idea to get a personal loan? By the way,
Speaker 3: I love your show, and thank you both for all
Speaker 3: your help through these last few years. Oh, thank you.
Speaker 2: What's her name again?
Speaker 3: Her name is Sam?
Speaker 2: I am Sam? Sam? I am hm. Okay. So here's
Speaker 2: the thing.
Speaker 1: In theory, it is smart to combine your loans or
Speaker 1: to combine what you owe to the credit cards and
Speaker 1: have one loan to pay it off. And and especially
Speaker 1: well only if the loan that they're providing is going
Speaker 1: to be less than the average interust rate of the
Speaker 1: two cards. So let's just say your two cards, you
Speaker 1: average the interestrate, I mean, you add it divided by two,
Speaker 1: and let's just say the interest rate of the two
Speaker 1: credit cards is fifteen percent. But the loan that London
Speaker 1: Tree says, we can give you a loan for nine percent.
Speaker 1: Then yes, in theory logically, so that would make sense.
Speaker 1: But you want to just be careful because what they
Speaker 1: have found is that many people end up yes, consolidating
Speaker 1: their loans, getting the consolidating their credit card dead, getting
Speaker 1: the loan, and then going back and running up the
Speaker 1: credit card dead again. So now you owe lending Tree
Speaker 1: and you still owe the credit cards. It's the reason why.
Speaker 3: Okay, you don't know, we're not a lender. Yeah, well
Speaker 3: you know you owe whatever whatever lender we help you find. Yes, Oh,
Speaker 3: thank you for that clarity. Do you think about that
Speaker 3: marketing problem? People think we're a lender, we're not.
Speaker 1: See we have a London Tree expert. So so if
Speaker 1: you think to yourself. You know what I'm actually not
Speaker 1: I'm going to be able to put the credit cards down.
Speaker 1: Then it might not be a bad idea. I'm not
Speaker 1: a post to. I know some people are like, don't
Speaker 1: get into debt trying to get out of debt. I
Speaker 1: get that, But if you can lower your interest rates significantly,
Speaker 1: it could be worth it.
Speaker 2: Now, here's the thing.
Speaker 1: You're talking about buying a house or getting a car.
Speaker 1: When are you planning on doing those things in the
Speaker 1: next six months. Then you're gonna want to wait because lenders,
Speaker 1: other lenders don't like to see that you've gone gotten
Speaker 1: into a new relationship with a new lender anytime you
Speaker 1: know within usually they'll take you three or four months.
Speaker 1: I always say six months or more to be on
Speaker 1: the super safe side. So if you're looking to do
Speaker 1: any of those those big changes, I would wait, or
Speaker 1: I would just continue to pay down without entering into
Speaker 1: a new agreement with a new loan, because that's what
Speaker 1: really refinancing is. It's just entering into a new loan
Speaker 1: with a new agreement and swapping swapping over old debt
Speaker 1: for new dead So you have to just depend.
Speaker 2: It depends on your discipline.
Speaker 1: You if you know that you could put those cards
Speaker 1: up and not use it, then that means you'll be
Speaker 1: able to pay down that debt faster and cheaper.
Speaker 2: But yeah, so Sam, that's that's my advice.
Speaker 3: Yeah, and I agree. And in terms of credit history,
Speaker 3: when you consolidate credit card debt with a personal loan,
Speaker 3: you're not closing your credit cards. So you know, if
Speaker 3: they're old credit accounts that have been on your credit
Speaker 3: report for a while and you want to keep them
Speaker 3: open because it shows you have a longer credit history,
Speaker 3: they'll still be there. What will happen is that you
Speaker 3: know you'll have a new line of credit on your history,
Speaker 3: and it can it can help your credit score in
Speaker 3: a lot of ways, especially when it comes to utilization rate,
Speaker 3: which is after paying your debts on time. One of
Speaker 3: the most like the most second most important factor in
Speaker 3: your credit score, which is you know how much debt
Speaker 3: you have borrowed against how much debt you have available
Speaker 3: to you. So once those credit cards are down to zero,
Speaker 3: that should really help your rate and you might see
Speaker 3: a lift in your score. And if you're preparing to
Speaker 3: borrow for a home or a car, I think getting
Speaker 3: your credit score in the best possible shape should be
Speaker 3: a priority. And you know, getting that credit card debt
Speaker 3: that paid off is true, and Tiffany's absolutely right. People
Speaker 3: who borrow personal loans to consolidate credit card debt, it
Speaker 3: can feel like, oh, I'm debt free, you know, I
Speaker 3: have this personal loan now, and then you might start
Speaker 3: going down the same path you were on before. And
Speaker 3: sad to say, I have heard that a lot of
Speaker 3: folks who apply for you know, debt consolidation loans, it's
Speaker 3: not their first rodeo. They're doing it again and again
Speaker 3: because they have that issue with credit card debt and
Speaker 3: they kind of think, oh, well, you know, I can
Speaker 3: consolidate it, and I have this kind of band aid.
Speaker 3: But you really have to, you know, get your spending
Speaker 3: under control if you can. But thanks for shopping with
Speaker 3: lending tree, and lending tree is not the only site.
Speaker 3: But you know the good thing about lending tree is
Speaker 3: insights like it you know, a bank rate, geez credible,
Speaker 3: all my competitors. But is you can get matched with
Speaker 3: different lenders and have soft polls on your credits so
Speaker 3: you don't have to like go to physical go to
Speaker 3: bank websites or into physical bank branches to apply for loans.
Speaker 3: You can do it online and get matched with different lenders.
Speaker 3: It's kind of like a marketplace you have or a
Speaker 3: grocery store. You have many different brands of catchup and
Speaker 3: you can choose and see them all on the shelf
Speaker 3: and look at the ingredients and stuff like that. That's
Speaker 3: kind of what lending Tree offers. But yeah, thank you
Speaker 3: for your question, Sam, and hope that helped. All right,
Speaker 3: let's take our next question. This comes from our email
Speaker 3: Brandonbission Podcast at gmail dot com. This listener wants to
Speaker 3: remain anonymous. All right, we love it when you guys
Speaker 3: are brutally honest with us. This is a safe space, okay,
Speaker 3: no judgment zone. Anonymous says, this is a tough question
Speaker 3: for me because I know I'm out of control. Okay, no,
Speaker 3: I'm out of control.
Speaker 2: That's a interesting way to start, Okay.
Speaker 3: I currently own four time shares, but now I can
Speaker 3: honestly say they are a waste of money. Do you
Speaker 3: have any legitimate and effective tips on how I can
Speaker 3: get rid of them? I try to timeshare reseller once before,
Speaker 3: but I only lost money on that path. Three are
Speaker 3: paid off and the fourth one has one more year
Speaker 3: of payments. The annual fees are outrageous for locations I
Speaker 3: have yet to find the time to get to on
Speaker 3: a regular basis. This is my only significant budget issue,
Speaker 3: as my retirement account, emergency savings, and life insurance are
Speaker 3: all good. My next goal is to buy a house
Speaker 3: and start my own coaching business. Please help.
Speaker 1: Ooh okay, so we're gonna call you time share Tina,
Speaker 1: time share Tina.
Speaker 2: So, Tina, do you know.
Speaker 3: She's out of control? Though, Tiffany, does she get points
Speaker 3: for that?
Speaker 2: Yeah?
Speaker 1: No, I'm not gonna hear to judge you, Tina, because
Speaker 1: my parents have a time share, so you know it happens.
Speaker 1: And you know, y'all know my dad is super smart
Speaker 1: when it comes to finances. And I can remember as
Speaker 1: a kid going on the free vacations because he was
Speaker 1: like oky' nobody afford to take five kids on vacation,
Speaker 1: so we would go on the timechare vacation, pretend like
Speaker 1: he was going to get something and never do. But
Speaker 1: then one day they came back with a timeshare.
Speaker 2: This is when we were grown. I'm like, did y'all
Speaker 2: get soft? Apparently?
Speaker 1: So, so I'm not here to judge, but Okay, so
Speaker 1: there's the study. I just looked it up the University
Speaker 1: of Central They did the study that found this is
Speaker 1: for people who have never brought a time share, that
Speaker 1: eighty five percent of times share buyers regret their purchase.
Speaker 1: So just letting that being a lesson that very few
Speaker 1: people ever are happy about their time share purchase for
Speaker 1: those people who've never had one. And there usually is
Speaker 1: like a three to fifteen day period in most states
Speaker 1: it's like five to seven days, but sometimes it's up
Speaker 1: to fifteen days where you can change your mind. But
Speaker 1: I'm assuming time share Tina that you know, obviously we're
Speaker 1: past that period. The only thing that I could see
Speaker 1: as a solution is that you can you can you
Speaker 1: can try to resell people literally you will try to
Speaker 1: sell their timeshare for like a dollar on like Craigslist
Speaker 1: or something. So you can certainly do that, but it's
Speaker 1: almost like finding another time share Tina to pass, like
Speaker 1: push it off on I the sites for example, like
Speaker 1: red week where you can list or eBay where you
Speaker 1: can list your your time share. The only other thing
Speaker 1: is to allow to be foreclosed upon. But it doesn't
Speaker 1: mean that that's it, you know, according to debt dot org.
Speaker 1: You can still have some outstanding fees like late charges,
Speaker 1: attorney's fees, unpaid assessments, fines and interests. So you know,
Speaker 1: I don't know, like if it was overwhelming me, you know,
Speaker 1: I might just take the l for foreclosure, but you
Speaker 1: have four of them.
Speaker 2: I wish I had what.
Speaker 1: I hate about time shares, and there has to be
Speaker 1: some law enacted because honestly, Mandy, just like, no solution.
Speaker 1: How is that the solution that you know what I
Speaker 1: mean that like you should be able to say, well,
Speaker 1: I can pay two years or something like that, but
Speaker 1: it's literally like you find somebody else to take it
Speaker 1: off your hands, or you file, you know, you stop
Speaker 1: paying and you get a foreclosure. I don't see how
Speaker 1: those are the solutions, but unfortunately that's what's out there
Speaker 1: for now.
Speaker 3: I mean, I have I feel like we did an
Speaker 3: article on this a while back. I don't have to
Speaker 3: take up and go find it.
Speaker 2: But I feel like.
Speaker 3: If it's through a resort, is that often through times
Speaker 3: shares are usually through resorts right oftentimes? Yeah, I wonder
Speaker 3: if given the circumstances with the pandemic, like even just
Speaker 3: calling and asking, you know, can you do something for me.
Speaker 3: Can you help me out? Like I wonder if you
Speaker 3: know the resorts might be willing to. I don't know
Speaker 3: whether it's foreclosed or just buy it back from you
Speaker 3: at like a reduced a reduced rate or something like that.
Speaker 3: But I mean it is like a take an l
Speaker 3: kind of situation. I don't know if there's and you've
Speaker 3: already been losing money on it. The yeah, any any
Speaker 3: solution any way to get rid of them, whether it's
Speaker 3: you know, selling it, giving it away for free, finding
Speaker 3: someone else to buy it for a really really cheap price.
Speaker 3: It's going to be one of those take the l
Speaker 3: lesson learned. No more time shares, time share Tina, no
Speaker 3: more cutting you off, ye cutting you off. You need
Speaker 3: to get you know, you want to buy your house
Speaker 3: and all that, and you say that you've got your
Speaker 3: emergency fund and everything else situated, which is good. This
Speaker 3: just maybe one of those times where Okay, we know better,
Speaker 3: we do better. You take the laws now, and you
Speaker 3: you know, move on.
Speaker 1: What I would say is I would probably if I
Speaker 1: was going to get my house, I would get my
Speaker 1: house before I felt like let the other things lapse,
Speaker 1: because it's one thing to have one foreclosure, it's another
Speaker 1: thing to have four for closures on you on your
Speaker 1: credit report. So if you're able and like, you know,
Speaker 1: maybe if all things considered, you know, you're looking pretty
Speaker 1: good because you said you pay the other ones off.
Speaker 1: So if you're able to get your home with these
Speaker 1: while still like you know, having these four time chairs,
Speaker 1: I would probably try to do that first, because I'm
Speaker 1: telling you this is I'm not judging you because firsthand,
Speaker 1: now is my condo that I bought in my twenties
Speaker 1: it foreclosed upon, and so there's some years before I
Speaker 1: was able to be considered for a home, even though
Speaker 1: my credit score was better and I had savings all
Speaker 1: the other stuff. So if it was me and I
Speaker 1: was able to get my home before I potentially just
Speaker 1: like let the other things like lapse, I would do
Speaker 1: that first because unless you're like, oh, I'm not trying
Speaker 1: to buy a home for the next like five years
Speaker 1: or so, then maybe so, but I would get those
Speaker 1: things out of the way first, and then you know,
Speaker 1: rock out in your beautiful home and let those things
Speaker 1: fore close upon. You're going to see a significant dropping
Speaker 1: your credit score, but you'll be able to bring that
Speaker 1: back up again, mine drop from an eight oh two
Speaker 1: to a five forty seven, and now I'm back like
Speaker 1: to like, I think I'm aut a eight to ten now.
Speaker 1: Now it took a couple of years to come back
Speaker 1: to eight ten, but still, you know, it's more than.
Speaker 3: Possible knowing how time can heal wounds, especially credit wounds.
Speaker 3: Like I've got family members you have an eight hundred
Speaker 3: something credit score, and I'm like, wait a second, oh time,
Speaker 3: just time. Seven years is the magic number? You You
Speaker 3: have seven years and then you know, those those negative
Speaker 3: works start falling off and your credit will come back. Well.
Speaker 3: Thank you for bravely sharing your story. Time share Tina,
Speaker 3: and we hope that like follow up with us, let
Speaker 3: us know if you get anywhere, and even if you
Speaker 3: even want to. Sometimes you guys will follow up or
Speaker 3: send questions like, hey, I'm thinking about you know, going
Speaker 3: with this company. Have you heard of it?
Speaker 2: You know?
Speaker 3: I if we have time, or if I have time,
Speaker 3: if you guys want to share, like the name of
Speaker 3: a company, I couldn't do a little bit of vetting,
Speaker 3: but if I were going to do vetting, I would say,
Speaker 3: you know, check with the Better Business Bureau, check the FTC.
Speaker 3: This Consumer Financial Protection Bureau also keeps track of complaints
Speaker 3: against companies. So if you're thinking about working with any
Speaker 3: kind of firm who says that they can help you
Speaker 3: get rid of a time share something like that, you
Speaker 3: just want to do your due diligence first and make
Speaker 3: sure that they're not, you know, doing something shady like
Speaker 3: asking for all their fees up front, which is a
Speaker 3: big red flag and things like that. So thank you
Speaker 3: for your question.
Speaker 2: Yeah, your quistion, would you want to do one more?
Speaker 3: Should we do one more? Is anyone even listening? Are
Speaker 3: they just all at protests right now? I don't know
Speaker 3: what's happening? And more?
Speaker 2: Yeah, let's do one more.
Speaker 3: I've got to distract myselfs Ooh, no, Moss, Oh this
Speaker 3: is funny. I think you and I talked about this,
Speaker 3: But this isn't the question I planned to ask, but
Speaker 3: it just popped up and I'm like, let's just let's
Speaker 3: just get air this out and answer the question, because
Speaker 3: this is not the first question we've gotten. Tiffany people
Speaker 3: want to know you have been talking about your your
Speaker 3: magical sister, which one is at LISTA No, Carol, Carol
Speaker 3: who is like a stock picking wizard and they want
Speaker 3: to know if she can come on and tell them
Speaker 3: what stocks to pick.
Speaker 1: Tiffany, honestly, Carol is gonna say and oh spells no
Speaker 1: because she's like, she's like, I'm not an expert. I'm
Speaker 1: just someone who you know, kind of pays attention to
Speaker 1: the market. But she she's gonna say no because I
Speaker 1: mean she, I mean Carol Supersponts.
Speaker 2: She's an engineer, but.
Speaker 1: She she doesn't do like She's not like Tila who
Speaker 1: was like doing all this research whatever. She does just
Speaker 1: enough to do what she needs to know to move forward.
Speaker 1: And you know, and I'm not gonna say luck because
Speaker 1: you know, like I said, she does just enough. But
Speaker 1: I know her, she's going to be like, what, No,
Speaker 1: I don't want to put someone else's life in my hands.
Speaker 1: Even now, I was looking at like my wealth chat
Speaker 1: and this is like the chat that I have with
Speaker 1: her and a couple of other friends, and she was
Speaker 1: posting like, hey guys, she just hit me and said,
Speaker 1: do you have money in your robin hood?
Speaker 2: I said yes.
Speaker 1: She said, Okay, here are some stocks to you know
Speaker 1: that keep an eye on, you know, especially after the election,
Speaker 1: because you're we're likely to see some sort of dip
Speaker 1: which is a great time to purchase. And so she
Speaker 1: like she shared, like you know, like a screenshot of
Speaker 1: like you know, like four or five stocks and like
Speaker 1: what pricing I should be looking at. But like I said,
Speaker 1: she kind of cobbles together things.
Speaker 2: She's not just.
Speaker 3: Teasing the people tip and he don't say, I ain't
Speaker 3: trying to be stock advisors, y'all, but not. But you're
Speaker 3: absolutely But her her instincts are so right. The principles
Speaker 3: of investing are you want to buy low and sell
Speaker 3: high and when you just have to have a good
Speaker 3: stomach for it and money to play with play. But
Speaker 3: I will say an operative word.
Speaker 2: That this is what you know, what I can do.
Speaker 1: I can share with you who she follows and really
Speaker 1: says knows their stuff, and she like says, like you know,
Speaker 1: they explain it well. So she really likes Tila. That's
Speaker 1: someone she likes. She also likes a gentleman on Instagram
Speaker 1: that she said that she likes him a lot. I
Speaker 1: think his name is mister the Master Investor. She likes
Speaker 1: him a lot. Now he is someone that studies study, study,
Speaker 1: studies stocks and picks and not only picks, but she
Speaker 1: looks at his stock picks and then compares her to
Speaker 1: what she's thinking. But he's really good at like sharing
Speaker 1: kind of like this is like basically historically about all
Speaker 1: the research that I've done. If this stock falls below
Speaker 1: this price, it's a really good price. So she really
Speaker 1: likes Ian the Master Investor. She likes Tila Hocum, like
Speaker 1: I said, And what I can do is I can
Speaker 1: certainly ask who does she follow besides these two?
Speaker 2: This is why I just heard her talk about.
Speaker 1: But also too, maybe like what resources she's using to
Speaker 1: make a decisions? I think that'll be a better a
Speaker 1: better choice, Like, hey, these are the people that she
Speaker 1: thinks are really great. These are the books that she
Speaker 1: relied upon. This is like she uses Robin Hood and
Speaker 1: you know, I don't know E Trade or whatever, So
Speaker 1: I can I ask her those things, but yeah, she's
Speaker 1: not coming on.
Speaker 3: Yeah, And also it seems Carol has done her research.
Speaker 3: And anybody can do research, like anyone can read the
Speaker 3: books and learn the principles of investing. And I always
Speaker 3: just tell my little brother about this because I'm like, listen,
Speaker 3: even if you hire an investment advisor or someone who's
Speaker 3: going to pick stocks for you. I think it's really
Speaker 3: important for everyone to have a baseline understanding of like
Speaker 3: what are they actually doing, and what like what's the
Speaker 3: you know, what are standard you know, principles and and
Speaker 3: really just understanding how the sausage gets made so that
Speaker 3: you can be an educated consumer and you don't feel like,
Speaker 3: I feel super uncomfortable if anyone's in a relationship with
Speaker 3: a financial advisor or even just like a relative who's
Speaker 3: making decisions and giving you advice, but you don't know
Speaker 3: the thought that goes into it and the rationale behind
Speaker 3: it exactly. But yeah, all right, no, Carol, you guys,
Speaker 3: I know, but.
Speaker 2: She's gonna she's going to be giggling like she's like no.
Speaker 1: Plus, Carol has two little ones and all they do
Speaker 1: is scream in the background.
Speaker 3: So can I know, can Carol, can you curate a
Speaker 3: list from Carol before this show airs?
Speaker 2: Yeah?
Speaker 1: Oh yeah, so certainly I can just say, you mean,
Speaker 1: like just a list of the people that she likes
Speaker 1: to learn.
Speaker 3: From, I like her faceavorite resources. Yeah, I can do
Speaker 3: that and we can send it to Cali, Carol and Kelly.
Speaker 3: All right, and you can check the show notes for that.
Speaker 3: All right, thank you, guys, so much for your questions. Lord,
Speaker 3: have mercy.
Speaker 2: I can't.
Speaker 3: I'm like, I'm nervous to stop the show because once
Speaker 3: the show is over.
Speaker 2: Tiffany, Well, we do have boost and break, we do
Speaker 2: have booster.
Speaker 3: I know, I know, but it's like the end is
Speaker 3: coming and I'm like, I won't talk to you again.
Speaker 2: It's gonna be a whole different world. I know.
Speaker 3: All Right, I'm getting it together.
Speaker 2: Woos.
Speaker 3: All right, let's get into these boost and breaks.
Speaker 2: So now is it's time to boost, break up? Boost
Speaker 2: a break? Are you gonna boost me? Or are you
Speaker 2: going to break?
Speaker 3: I feel like I should boost just to keep things light,
Speaker 3: but I really wanted to share the statistic because it
Speaker 3: freaked me out. Okay, fine, I will boost first. I
Speaker 3: we haven't talked about Greenwood Bank yet, and thanks and
Speaker 3: shout out to whoever Instagram was like, hey, y'all going
Speaker 3: to talk about Greenwood because I totally we just did not.
Speaker 3: We skipped right over it. But yeah, Greenwood Bank. I
Speaker 3: don't know if they've officially launched it. There's a wait
Speaker 3: list I believe to join. But this is a bank
Speaker 3: that it's all about providing access to banking for black
Speaker 3: and Latin X consumers check it out. Is dope great.
Speaker 3: I think the website's just Greenwoodbank dot com. We'll put
Speaker 3: a link in the show notes. But I thought this
Speaker 3: was really good.
Speaker 2: Yes, I love that.
Speaker 1: I just I think, you know, having alternatives to banks
Speaker 1: that don't say, hey, I would love to hire black
Speaker 1: and brown people, but there's just no talented ones. Yeah,
Speaker 1: so it's it's nice to have altered.
Speaker 3: I would love to give my money to an institution,
Speaker 3: like a black owned bank, especially like you know, the
Speaker 3: thing is, we put it. We put together a list
Speaker 3: Magnifi money dot com of black owned banks in America,
Speaker 3: and you know they're dwindling, but there's still there still
Speaker 3: are some in black owned bank institutions, black owned institutions
Speaker 3: out there. What I found is like largely the rates
Speaker 3: are not as competitive as like, especially the online bank.
Speaker 3: You know, it's hard for them to compete, and when
Speaker 3: you're trying to save strategically, it's like, ah this, you know,
Speaker 3: you want to get the higher indust rate and you
Speaker 3: know you have a little bit more accessibility with the
Speaker 3: big with the big players. But at the same time,
Speaker 3: I'm like, okay, if Greenwood can, like you know, really
Speaker 3: get hit the map and and offer like competitive rates,
Speaker 3: you know, modern services like all that stuff. Then that
Speaker 3: could be really meaningful because it's so true. You know,
Speaker 3: we have to vote with our dollars sometimes and listen
Speaker 3: and where are money, like the banks that we go to.
Speaker 3: If I have to read one more damn story about
Speaker 3: Wells Fargo doing some crazy shit with people's money, it's like,
Speaker 3: you know, I hope that this is not the first.
Speaker 3: I hope this is the start of like a new
Speaker 3: wave of minority owned financial institutions for our for the
Speaker 3: sake of our our futures. Huh. I know, go Tiffany,
Speaker 3: what's your break?
Speaker 1: No, I just so I'll say that that I was
Speaker 1: just thinking that today that, like you know, I am
Speaker 1: seeing because of social media and online it has provide
Speaker 1: opportunities for black and brown people like never before. It
Speaker 1: has allowed you to bypass and sidestep certain gatekeepers. And
Speaker 1: that's what I was telling myself today. I was like,
Speaker 1: you know, I'm in a lot of like Facebook groups
Speaker 1: and things where people are making their first six figures
Speaker 1: because you know, they started an online business to cater
Speaker 1: to people just like them. Like, Hey, I'm a black woman,
Speaker 1: do black women want to buy my T shirts?
Speaker 2: Sure do? Do you want to buy my skincare? Sure do?
Speaker 2: So I just that kind of.
Speaker 1: Gives me, you know, like a little bit of So
Speaker 1: I was like really leaning heavily on that today because
Speaker 1: I was just thinking that, you know that there there
Speaker 1: is some hope. And you know what else happened that
Speaker 1: was really good? Did we talk about Angela v McKnight
Speaker 1: last time?
Speaker 3: We did?
Speaker 2: Okay?
Speaker 3: Good?
Speaker 1: So that too, because what I'm realizing too is that
Speaker 1: there are you know, there's these little windows of opportunity
Speaker 1: that really can really transform people's lives. So the more
Speaker 1: that we are capable of being self sufficient, the more
Speaker 1: we can bring other people up as well. And so
Speaker 1: it just gave me kind of like that hope. You
Speaker 1: know who put the battery in my back? I remember
Speaker 1: it was far nouche at that conference that shall in
Speaker 1: your back?
Speaker 3: She did. I've hearned that expression. Really, no, let's go
Speaker 3: for energized certificate exactly.
Speaker 1: So it was a far nouche at that conference that
Speaker 1: shall shall not be named. And she was sitting on
Speaker 1: a panel and I think I asked a question about
Speaker 1: I was like I had just my company had just
Speaker 1: made six figures. And although I think I made like
Speaker 1: thirty five thousand dollars that year, but I just was
Speaker 1: saying that as I started to do better, I was
Speaker 1: feeling a little guilty, like am I being greedy? Should
Speaker 1: I slow down? And how much do I really need?
Speaker 1: Because I'm kind of fine? And she said, well, if
Speaker 1: I remember if far Noise was just so dope, she said,
Speaker 1: that's great that you're fine. Then the other money is.
Speaker 2: Not for you.
Speaker 1: It's for the causes that only you will champion. It's
Speaker 1: for the people that only you will see. It's for
Speaker 1: the communities that only you are a part of. And
Speaker 1: I remember what Farnoush effectively did. I don't even know
Speaker 1: why I ever thanked her for this, was she made
Speaker 1: my success less about me, because it was hard for
Speaker 1: me to be like, well, how much money do I need?
Speaker 2: How much?
Speaker 1: And there's nothing wrong with having a lot of money,
Speaker 1: but for me, it wasn't motivation enough, and she was
Speaker 1: just selectifany if that's not moving you, then she said,
Speaker 1: not everyone has the opportunity to grow great wealth. Let's
Speaker 1: just like not pretend like we could all do whatever.
Speaker 1: Now there are some of us who have the opportunity
Speaker 1: to make a lot of money, and some even beyond that,
Speaker 1: to grow great wealth. And if you have the opportunity,
Speaker 1: it's selfish not to because it's not just about you.
Speaker 1: It's about the people that you can help and serve.
Speaker 1: And since then, I have never been ashamed to go
Speaker 1: for it, because I honestly don't. I use the money
Speaker 1: that I make, like largely really to because I'm my
Speaker 1: family and I for the most part are good.
Speaker 2: You know.
Speaker 1: I really think about like what's the legacy, what schools
Speaker 1: do I want to build, What people do I want
Speaker 1: to put through through to, you know, give education to.
Speaker 1: So yeah, those are That's really my boost is that,
Speaker 1: like I think that as things change, I think you
Speaker 1: said the best right earlier, Mandy, that like with credit
Speaker 1: or whatever, that with time it's kind of like the
Speaker 1: healer of things. And so as things change, I love
Speaker 1: to see the change of access to opportunities that black
Speaker 1: and brown people have. And if you have those opportunities,
Speaker 1: go for it, go for it as hard as you
Speaker 1: can and come back and bring the rest of us
Speaker 1: with you.
Speaker 2: Oh amen.
Speaker 3: I love that you can tell that anecdote every freaking
Speaker 3: episode for all I care, because it's true and I
Speaker 3: and the and I think it's also just unfortunately or
Speaker 3: fortunately because that's how we're you know, most of us,
Speaker 3: a lot of us women are built is to to
Speaker 3: not to not do things just for ourselves and to
Speaker 3: feel guilty when you're doing them for yourselves. And you know,
Speaker 3: there isn't a ton of virtue and just building a
Speaker 3: big stock pile of money for you to stand on alone,
Speaker 3: like there's my baby in the background who I'm building
Speaker 3: wealth for. But that's why women in power are so needed.
Speaker 3: That one hundred and fifteen women who are running for
Speaker 3: Congress this election, like that women at the table. We
Speaker 3: need a seat. And this is the statistic that I
Speaker 3: was going to break, and I'll share it now in
Speaker 3: this context. Because of the pandemic one and this was
Speaker 3: a survey of forty thousand people, huge survey by McKenzie.
Speaker 3: Because of the pandemic, one in four women say they're
Speaker 3: considering leaving the workforce, work down or significantly taking a
Speaker 3: step back from their workload. And that is that is huge,
Speaker 3: and not in a good way. Fewer women in the
Speaker 3: workforce is bad for families, but it's also bad for
Speaker 3: just the future of our country. We have a different
Speaker 3: point of view. And not just women like Carte Blonde,
Speaker 3: like you know in general, but women have different backgrounds,
Speaker 3: diverse backgrounds, socioeconomic, racial backgrounds. We need more women in
Speaker 3: places of power because we have We're just much more likely,
Speaker 3: I think, to think from a community aspect and to think,
Speaker 3: you know, who can we help and who can we
Speaker 3: bring up, and to think about people beyond ourselves. And
Speaker 3: you know, I saw that stat and I was super
Speaker 3: one grateful that I haven't had to step back that
Speaker 3: I'm just making. I'm determined to just make COVID life
Speaker 3: work with work and childcare. But I'm privileged in that I,
Speaker 3: you know, have resources to help, and I have a
Speaker 3: job that is flexible and I can stay at home,
Speaker 3: and there's not women out there and God and people
Speaker 3: need support. Like it is. People should be enraged about
Speaker 3: so many things, but one of the things we should
Speaker 3: really be enraged about is how our government only did
Speaker 3: one round of stimulus checks for consumers, and that was
Speaker 3: months ago. Unemployment benefits are running out, like families are
Speaker 3: on the brink, and we need elected officials who are
Speaker 3: going to care about the working families and women. I
Speaker 3: believe wholeheartedly. If we get more of them in power,
Speaker 3: we wouldn't have problems like we do now. You know,
Speaker 3: where working families are just being left in the dust
Speaker 3: while you know, politicians squabble. It's unfortunate. But Tiffany, you're
Speaker 3: so you're so so right. We should go and get
Speaker 3: that wealth and know that it's not just for us,
Speaker 3: and let that if you need an excuse to feel
Speaker 3: greedy or selfish, whatever, just remember you're not doing it
Speaker 3: just for yourself, for everybody else.
Speaker 1: When she said that, she said their causes that you're
Speaker 1: going to champion and people that only you would want
Speaker 1: to help, they need you, And I was like, oh
Speaker 1: my gosh, I have to It makes me want to
Speaker 1: text for now if you guys so far I know,
Speaker 1: if you guys don't know far news, she'd.
Speaker 2: Probably love to hear that, right. It's f A R
Speaker 2: N O O s h.
Speaker 1: She is amazing and she is one of the women
Speaker 1: that we just highly respect and love in the in
Speaker 1: the financial education space. She's always been such like an
Speaker 1: amazing giver. She's brown herself. She's actually a New Jersey
Speaker 1: girl living not too far for where I live now.
Speaker 1: But yeah, that was just the like I said, the
Speaker 1: battery in my back, and I just think I'm just
Speaker 1: trying to hold onto that because I don't know, I'm
Speaker 1: not you know, like I'm okay now, but I'm not
Speaker 1: gonna lie. I huh whoo.
Speaker 2: It's like starting to come over with me. I'm like, ah,
Speaker 2: it's getting duck. It's getting duck. I help me almost tomorrow.
Speaker 3: I know, I think we we're gonna have to just
Speaker 3: listen whatever happens. I I have to be I have
Speaker 3: to have I choose optimism because I just don't want
Speaker 3: to be miserable. But however you're feeling, wherever you're at,
Speaker 3: remember to take care of yourselves and your family, whatever happens.
Speaker 3: To protect yourselves, protect your neighbor as well. Reach out
Speaker 3: to neighbors, your community. That's one thing that I think
Speaker 3: is another thing that's come out of this is just
Speaker 3: feeling more so closely connected to my neighbors and my
Speaker 3: neighborhood and my community. So reaching out of helping hand,
Speaker 3: you know, sharing what you have with others, just being
Speaker 3: a kind person. And you know, I think if we
Speaker 3: could just do more of that, then you know, we
Speaker 3: wouldn't have to be so terrified of what's happening. But
Speaker 3: if this podcast, if anyone's listening, I thank you. If
Speaker 3: you're in your bunker is listening, thank you. If we
Speaker 3: can be for this hour together, just a little bit
Speaker 3: of refuge from the insanity out there, so you know
Speaker 3: you're not alone, then we thank you for for being
Speaker 3: in this bunker with us.
Speaker 1: Yeah.
Speaker 2: Oh, a safe space even if you're well, what is it? Uh?
Speaker 2: Trade not trademark to you know? What do we say?
Speaker 3: Tia time char Tina, you're you're in the bunk? Or two?
Speaker 2: Okay?
Speaker 3: Oh man, well here's another I guess we have to
Speaker 3: I'm like, you hang up, you hang up? What do
Speaker 3: we have to look forward to? I would like to
Speaker 3: say last week we did talk about Angela mcviee that's
Speaker 3: her name or Angela Midnight. Why do I see to
Speaker 3: keep doing that? Sorry? She just does not deserve that anyway.
Speaker 3: Who is the what councilwoman.
Speaker 1: Or she's assembly woman of a New Jerseymily woman in
Speaker 1: Jersey City, New Jersey, amazing in Jersey.
Speaker 3: City, who wrote the budget to law with Tiffany years ago.
Speaker 3: And so we talked about that and just about women
Speaker 3: in power and locally elected officials not just on the
Speaker 3: national stage, and how important they are and how impactful
Speaker 3: they can be. And I reached out to the founders
Speaker 3: of Higher Heights, which is a nonprofit that their whole
Speaker 3: mission is to get women of color into elected office
Speaker 3: from the ground up, from super local to national stage,
Speaker 3: and they are definitely interested in coming on the show,
Speaker 3: so I am working on booking them, and the whole
Speaker 3: point of that show. I want to make it all
Speaker 3: about how like I want a brand ambition listener to
Speaker 3: run for office, Like I want to help people understand
Speaker 3: what does it take. How can you get involved at
Speaker 3: your local level? Because like if you look at who
Speaker 3: was in your town, you know, your town council or
Speaker 3: I don't know what kind of different like municipal governments
Speaker 3: out there. Everyone's a little bit different. But there are
Speaker 3: a lot of people serving who have just been serving
Speaker 3: for years and decades, like just because no one else
Speaker 3: has ever chetchallenge that. And I really want to. I'm
Speaker 3: excited to talk to Higher Heights and hear, you know,
Speaker 3: what guidance and tips they might have for anyone listening
Speaker 3: who who has been thinking. You know, I'm ready to
Speaker 3: step up and do something a little bit more that
Speaker 3: would be amazing an ambition pack.
Speaker 2: Exactly, why not?
Speaker 1: Yeah, no, really, honestly, that would be amazing. So I
Speaker 1: want to focus on what we can do so regardless of.
Speaker 3: What happens, well right now, if we can go hug
Speaker 3: our families and take some time and breathe and try
Speaker 3: to avoid the news, that's what I feel like I
Speaker 3: can do right now. Yes, all right, all.
Speaker 2: Right now you on the other side, darling, I'll see
Speaker 2: you at the cross. Well you will be lowly. Let me.
Speaker 3: In my head. Is not what I need right now.
Speaker 2: This is This is a little funny that we could
Speaker 2: end with.
Speaker 1: I was taking a walk today and I saw a
Speaker 1: sign and that said, this doesn't look like, you know,
Speaker 1: a Trump sign or a Biden kamala.
Speaker 2: You know Joe Joe Biden kamala. How as signed? I
Speaker 2: looked up closely.
Speaker 1: Why it's said presidents come and go, but Wu tang
Speaker 1: is forever.
Speaker 3: Oh my god, I'm not gonna lie.
Speaker 2: That gave you a little chuckle all my walk today
Speaker 2: and I said, get no what Wu.
Speaker 1: Tang is forever? So let that sizzle in your spirit,
Speaker 1: no matter what happens tomorrow.
Speaker 3: In your spirit. All right, y'all, hang in there. We'll
Speaker 3: you know, we'll talk to you next week.
Speaker 2: We hope all right.