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Speaker 1: Hey, hey, vaham, it's time. Wait, I sound a little pathetic.

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Speaker 1: I just realized, y'all, I'm not feeling too well. It's

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Speaker 1: been back to school and one of my two little

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Speaker 1: boys has brought back a bug already. And I don't

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Speaker 1: know what it is that I got. Maybe it's just

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Speaker 1: a case of the mid twenty twenty five blues or flu.

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Speaker 1: I don't know, but not feeling my best. So for

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Speaker 1: anyone who's listening, who, oh Lord, have mercy, there's a

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Speaker 1: cricket on my microphone. Okay, well, at least I was

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Speaker 1: able to just liberate a cricket from my studio. Oh

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Speaker 1: my gosh, in my like, is that? Do I have

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Speaker 1: like seven years of good luck Netmark? Little tiny green

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Speaker 1: crickets supposed to be good luck? Or was that just

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Speaker 1: from mulan And I don't know, but yeah, I'm not

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Speaker 1: feeling my greatest. That being said, I'm excited to be

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Speaker 1: here and I'm really excited to listen into today's question.

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Speaker 1: We actually had a listener who took the time to

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Speaker 1: send a voice note to me on IG and I

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Speaker 1: just thought it was really sweet. So I'm actually going

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Speaker 1: to play the question for y'all. Meant to this listener

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Speaker 1: who shall remain anonymous. But before I do, I just

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Speaker 1: want to say that all of the mixed feelings that

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Speaker 1: y'all are feeling in the wake of the assassination on

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Speaker 1: Charlie Kirk's life this week, I am feeling the exact

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Speaker 1: same things. I feel like Michelle Obama not going to

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Speaker 1: the inauguration at the beginning of the year. And I

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Speaker 1: know that y'all know exactly what it means if someone

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Speaker 1: sends you a picture of Michelle Obama in response to

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Speaker 1: an RSVP for an event. I'm just gonna issue my

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Speaker 1: Michelle Obama jpeg file. Just download, upload that to the Internet,

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Speaker 1: and you know, there we go. I have uploaded that file.

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Speaker 1: I also want to bring this spotlight back to us. Okay,

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Speaker 1: I am hosting in a couple of weeks here September

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Speaker 1: twenty five, at eight pm, I'm doing a webinar that's

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Speaker 1: totally free. I'm going to be sitting down with y'all

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Speaker 1: anyone who wants to join, and we're going to work

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Speaker 1: through together some of the most popular AI tools that

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Speaker 1: are available. But I'm going to show you how to

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Speaker 1: use those AI tools to get on top of your

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Speaker 1: finances and also to do what you can to beef

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Speaker 1: up your career prospects during a really challenging job market.

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Speaker 1: So I'm going beyond just how do I judge up

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Speaker 1: my resume chat GPT or how can I make my

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Speaker 1: resume fit for this job. I'm going beyond that, and

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Speaker 1: I'm hoping that I'll see some of y'all there. So

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Speaker 1: if you want to join, registration is still open. You

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Speaker 1: can go to the show notes of the podcast now

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Speaker 1: and register. It is. It's going to be a good time.

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Speaker 1: It's going to be a supermatenty fith eight pm, and

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Speaker 1: I hope to see y'all there. All right, let's get

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Speaker 1: into today's question. It is a juice you want. This

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Speaker 1: question comes from a listener who is challenged by a

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Speaker 1: couple of different types of debt, including some tax Let's

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Speaker 1: get into a bafan.

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Speaker 2: Hi, Mandy, I just started listening to your podcast in

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Speaker 2: this past year as I've for the first time in

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Speaker 2: my thirty four years of life, had started to look

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Speaker 2: at my finances and decided to stop being afraid of them.

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Speaker 2: And I listened to your eleven thousand dollars credit card

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Speaker 2: debt episode. I also have about eleven thousand dollars of

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Speaker 2: debt and credit card in credit cards. However, I also

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Speaker 2: have probably about four thousand or five thousand in debt

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Speaker 2: from the years when I worked as a contractor with

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Speaker 2: the Smithsonian and a freelancer pursuing that you know, nonprofit

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Speaker 2: art life that our immigrant parents did not want for us.

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Speaker 2: And I don't know how to tackle this debt, and

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Speaker 2: I feel really stuck. I think I should probably do

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Speaker 2: my tax debt first, but that seems intimidating, and you know,

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Speaker 2: I'm trying to figure out how to do it all

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Speaker 2: to be realistic, and I get in that cycle of

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Speaker 2: I'm not doing enough, so why do anything at all? So,

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Speaker 2: you know, working through that with my therapist, but I

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Speaker 2: just wanted to know if you have very tangible strategies

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Speaker 2: for dealing with it and ways to cope with the

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Speaker 2: stress from it. And yeah, I'm ready.

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Speaker 1: All right, I'm gonna call you, Beth. I'm gonna keep

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Speaker 1: you anonymous, but Beth, thank you so much for your question.

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Speaker 1: I chuckled a little bit at the fact that, you know,

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Speaker 1: the trying to live that nonprofit art life that our

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Speaker 1: immigrant parents did not want for us. So you're a

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Speaker 1: little rebel. Huh, you try to work the Smithsonian. It's

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Speaker 1: not the kind of thing where you know you. I

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Speaker 1: don't want you to feel like your parents. My parents

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Speaker 1: were right, I should have never gotten into this space.

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Speaker 1: But it does sound to me like you did that

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Speaker 1: on a contract basis, and like so many you know,

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Speaker 1: first time contractors, consultants, anyone who's working on a ten

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Speaker 1: ninety nine, it's really challenging to then be completely responsible

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Speaker 1: for setting aside money for taxes. Same boat club over here. Okay,

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Speaker 1: I don't think anyone who's listening who on their very

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Speaker 1: first you know, contract gig where they earned. I think

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Speaker 1: you have to think it's something like if you get

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Speaker 1: more than six hundred dollars on a ten ninety nine,

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Speaker 1: then you owe taxes on it, you know, obviously depending

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Speaker 1: on the income source. But yeah, it's completely understandable. It's

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Speaker 1: this whole tax system is so jacked up. It is

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Speaker 1: so set up for the super rich to get off

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Speaker 1: scot free and for the everyday you know, solopreneurs, small

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Speaker 1: business owners, you know, individual taxpayers to really struggle and

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Speaker 1: to feel like you're constantly in like some sort of

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Speaker 1: like researchers game, like mouth trap or pac Man or something.

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Speaker 1: So I get it, and my mandy money makers know

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Speaker 1: very well that I have a lot of anxiety when

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Speaker 1: it comes to taxes myself. I can't think I haven't

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Speaker 1: particularly ended up in a ton of tax debt. Where

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Speaker 1: I have ended up struggling is like I make goals

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Speaker 1: to pay myself first, like contribute to my four one K,

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Speaker 1: my solo for one K, or my step ira and all.

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Speaker 1: My accountant will sort of make her plan for my

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Speaker 1: taxes based on the amount that I said I was

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Speaker 1: going to contribute to those retirement accounts, and then I

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Speaker 1: just won't end up doing it. And then she's like, girl,

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Speaker 1: you owe yourself. I think one year, I owe myself

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Speaker 1: eighteen thousand dollars. I said, I don't know if I

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Speaker 1: can come up with this eighteen k. I said, I

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Speaker 1: was going to contribute, but it was an issue, right

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Speaker 1: because she had sort of been putting together her my

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Speaker 1: tax liability plan and you know, trying to get me

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Speaker 1: to oh the least amount possible and by not contributing

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Speaker 1: that eighteen thousand, which in a sense meant I wasn't

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Speaker 1: reducing my taxable income by eighteen thousand. I wasn't sheltering

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Speaker 1: that money from taxes. I was kind of jacking up

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Speaker 1: her plan. I was making it harder for her to

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Speaker 1: do her job. I did end up finding the eighteen K,

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Speaker 1: and I'm so glad I did. But yeah, taxes as

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Speaker 1: a an entrepreneur, solopreneur, you know, even just someone who

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Speaker 1: has a side hustle, it's difficult. It sure is. But

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Speaker 1: you don't need me to tell you that. You're already

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Speaker 1: living in the challenge. You have that four to five

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Speaker 1: thousand dollars in debt from those years that you worked

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Speaker 1: as a contractor. You also have about eleven thousand dollars

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Speaker 1: of credit card debt and different credit cards. So what

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Speaker 1: is it about that number eleven thousand. I know you

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Speaker 1: said you listened to that episode. I did from another

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Speaker 1: listener who had about eleven thousand dollars of debt. So

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Speaker 1: all I can say is, y'all ate alone. Y'all already

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Speaker 1: know that. But when you're looking at these different types

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Speaker 1: of debt and wondering which one to tackle first, I

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Speaker 1: think taxes have to come first in this case. Oh wait,

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Speaker 1: I didn't do my spiel. I am not your financial advisor.

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Speaker 1: I'm not your investment advisor. I'm not a professional you

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Speaker 1: certified in any of those things. So I'm just a

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Speaker 1: girl with some advice and some knowledge based on my

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Speaker 1: experience and obviously decades of work in business and finance journalism.

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Speaker 1: But what I will say is the IRS don't play.

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Speaker 1: The IRS has many ways to recoup a debt in

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Speaker 1: many different in different and more potentially damaging to your

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Speaker 1: life ways than just a credit card would. So the

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Speaker 1: thing about the IRS is they can put a lean

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Speaker 1: on your property. So if you own property like a

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Speaker 1: home that's most typical, Typically what happens the IRS can say, oh,

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Speaker 1: you don't actually own this, we do now for four

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Speaker 1: to five thousand dollars of debt. That's not enough for

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Speaker 1: them to like take over ownership of your house, but

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Speaker 1: it can be something that goes. You know, they can

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Speaker 1: put a lien on it, and then if you were

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Speaker 1: to ever sell, like they would make sure they get

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Speaker 1: their cut. They can also potentially garnish your wages in

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Speaker 1: the future if the debt gets delinquent for too long

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Speaker 1: and then they sue you, And that is a possibility.

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Speaker 1: If you're not making payments on a tax debt, it

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Speaker 1: is likely that you could end up being sued and

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Speaker 1: then taken to court, and unless you're able to mount

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Speaker 1: a strong case for why you're unable to pay that debt,

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Speaker 1: the judge may rule. And a lot of people don't

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Speaker 1: even show up to fight those types of complaints, you know,

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Speaker 1: when it comes to tax debts, and so they end

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Speaker 1: up the judge will automatically rule in favor of the creditor,

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Speaker 1: whether it's a credit card company, the lender, or in

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Speaker 1: this case, the IRS, and say, okay, we're going to

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Speaker 1: garnish any w two wages you earn. We're going to

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Speaker 1: garnish for a certain amount. I believe it's up to

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Speaker 1: fifteen percent. And even like Social Security income can be

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Speaker 1: garnished and you may face other penalties, late penalties, things

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Speaker 1: like that. So it can be riskier to leave tax

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Speaker 1: debt unpaid. And I would say, when it comes to

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Speaker 1: tax debt, I need you to be on the phone.

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Speaker 1: And this is really hard to do, right because the

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Speaker 1: IRS has never been I don't know if it has

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Speaker 1: been as under resourced as it is now. Maybe there's

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Speaker 1: other times in history, but they've had mass layoffs. They

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Speaker 1: got doged, and even before they were doged, they were

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Speaker 1: struggling with understaffing and old systems and all that. But anyway,

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Speaker 1: you want to try to get on the phone with

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Speaker 1: the IRS and ask to be put on a payment plan. Also,

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Speaker 1: make sure that you are actually filing your tax returns

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Speaker 1: each year, so even if you haven't been able to

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Speaker 1: pay your taxes, you still have to file your tax returns.

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Speaker 1: If you are really overwhelmed by the debt and you

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Speaker 1: don't have any additional funds to pay toward it, you

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Speaker 1: can ask them to do something called an offer in compromise,

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Speaker 1: which basically is the equivalent of settling a debt for

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Speaker 1: less than ode. The IRS does have an office called

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Speaker 1: the Taxpayer Advocate Service, so you could reach out to them.

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Speaker 1: I'll put a link in the show notes where you

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Speaker 1: can find more information. Taxpayer Advocate Service is really put

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Speaker 1: in place to protect us, the taxpayer, from predatory practices

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Speaker 1: from the whole IRS process in general, So if you

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Speaker 1: ever have a complaint about an experience you had, you

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Speaker 1: can reach out to them. But also they may have

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Speaker 1: some resources for just everyday taxpayers who are struggling to

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Speaker 1: pay back their debt, and it can at least offer

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Speaker 1: you some guidance I think the scariest thing about this

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Speaker 1: advice that I'm giving is probably like getting on the

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Speaker 1: phone with the IRS? Where do you even like, what

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Speaker 1: even is the phone number to get on the phone

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Speaker 1: with the IRS. I'm like this. I think heading to

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Speaker 1: IRS dot gov as your first stop is a good

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Speaker 1: first step. Again, because they are so understaffed. I think

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Speaker 1: there's a lot of someone was doing their job. They

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Speaker 1: create a lot of documents, a lot of PDFs through

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Speaker 1: the IRS dot gov that have a lot of like

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Speaker 1: evergreen information. They have a lot of evergreen content, So

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Speaker 1: at least somebody was doing their job, got us, you know,

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Speaker 1: set up for success in spite of all these firings

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Speaker 1: and layoffs that have been happening. So I'm gonna put

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Speaker 1: a link in the show notes to like your first

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Speaker 1: you know, starting place at IRS dot gov. It's the

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Speaker 1: help page. So if you scroll down to Payments and Penalties,

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Speaker 1: they have some links here to different payment options, payment

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Speaker 1: plan or installment agreement requests. You can view your balance

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Speaker 1: and payment activity, and again it has a link to

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Speaker 1: that offer and compromise option that I talked about. There's

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Speaker 1: additional links on understanding if you'd get a federal tax lean.

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Speaker 1: Like I mentioned earlier, there's the Office of Appeals. There's

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Speaker 1: also for the future if you do take on additional work,

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Speaker 1: and I hope you do, because I don't want this

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Speaker 1: to stop you from ever doing project based work. I

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Speaker 1: think it's a lesson. It's not a cheap lesson, but

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Speaker 1: it's a lesson that you can take moving forward and

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Speaker 1: hopefully like, Okay, you're smarter your experience. Now you know

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Speaker 1: what's what. You can use this link and you can

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Speaker 1: use this tax withholding estimator tool that the IRS offers

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Speaker 1: maybe the next time that you get a contract role

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Speaker 1: and then you can you know, kind of set that

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Speaker 1: money aside in advance. And then there's also a form

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Speaker 1: even to ask for relief in terms of IRS penalties. Okay,

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Speaker 1: so I'll put that in the show notes for you,

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Speaker 1: my darlin. And then let's walk about that credit card debt.

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Speaker 1: Oh so while you're paying off this tax debt, it

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Speaker 1: may make sense like I would say, let's look at

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Speaker 1: how we can get the eleven thousand of credit card

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Speaker 1: debt kind of situated. I don't know what your credit

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Speaker 1: score is. By the way, if y'all are submitting questions,

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Speaker 1: it really helps me actually to understand and what your

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Speaker 1: credit score is, because that will dictate what some of

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Speaker 1: your best options are. I'm never going to have all

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Speaker 1: the information I need to give y'all like a completely

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Speaker 1: holistic here's a great game plan answer for y'all. Y'all

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Speaker 1: know that you listened to the show before, but still

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Speaker 1: understanding your credit score range or credit score would be

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Speaker 1: very helpful. I'm just going to assume you have decent credit.

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Speaker 1: You have this debt, but you've been making your payments

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Speaker 1: on time. Maybe it's like in the mid six hundreds

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Speaker 1: to low seven hundreds right now. You may qualify for

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Speaker 1: a balance transfer, so you could get some of that

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Speaker 1: credit card debt and moved on to a zero percent

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Speaker 1: interest credit card for twelve months, eighteen months, and some

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Speaker 1: of the options are. If you're looking for different options,

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Speaker 1: I usually would just go to nerd wallet or bank

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Speaker 1: rate and see, you know, what the best balance transfers are.

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Speaker 1: You know, and also you may just be getting you know,

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Speaker 1: letters in the mail with balanced transfer offers. Don't obviously

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Speaker 1: just take any offer you get in the mail. You

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Speaker 1: should check the legitimacy of that, but a balance transfer

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Speaker 1: could at least maybe help you move some of that

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Speaker 1: debt onto a zero percent interest card card, which will

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Speaker 1: then you know, then you kind of can make the

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Speaker 1: minimum payment on that card while you're putting the majority

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Speaker 1: of your extra money that you have for your debt

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Speaker 1: payment toward that tax payment. So the debt snowball method

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Speaker 1: is when you put the debt in order of lowest

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Speaker 1: balance to highest balance, and then you start to pay

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Speaker 1: down the lowest balances first and work your way up.

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Speaker 1: And research there was a study that came out saying

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Speaker 1: that the debt snowball actually is the most effective in

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Speaker 1: terms of like consistency, because you build that momentum by

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Speaker 1: paying off small balances first. You start to get more

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Speaker 1: excited and you keep going. However, the best you know

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Speaker 1: on paper technique is the avalanche, where you order your

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Speaker 1: debt payments in order of most expensive interest to least

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Speaker 1: expensive interest, and that'll save you the most money over

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Speaker 1: time because you're tackling the most expensive debts first. In

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Speaker 1: your case, However, that may look like, oh, I should

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Speaker 1: pay my credit cards off first, because your credit card

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Speaker 1: interest rates are probably twenty five twenty six, you know,

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Speaker 1: twenty nine point nine to nine percent. These days, it's nuts,

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Speaker 1: whereas IRS debt, you are charge penalties and interest. But

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Speaker 1: I don't think it's anywhere near that high. So it

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Speaker 1: may look like, okay, the credit card debt should come first.

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Speaker 1: It's higher interest, but the IRS is scarier. They can

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Speaker 1: take your stuff, they can. I think I mentioned wage

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Speaker 1: garnishment leans. I will even forgot to say, like if

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Speaker 1: you have a debt unpaid, they can take your passport.

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Speaker 1: It's a little bit scarier. So I think IRS gets

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Speaker 1: a little bit of a bump on the priority list

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Speaker 1: in this case. So in the meantime, with this credit

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Speaker 1: card debt that you have, you can look at a

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Speaker 1: balance transfers also the you know, if the it doesn't

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Speaker 1: sleven thousand dollars is a lot, right, I don't want

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Speaker 1: to underplay that, But I don't think this is going

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Speaker 1: to wreck your life. I think this is the kind

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Speaker 1: of debt that with some you know, real intense focus

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Speaker 1: and budgeting and like aggressive budgeting and decreasing your expenses

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Speaker 1: and being ruthless about it. You can pay this down

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Speaker 1: the next year. I think you can find a thousand

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Speaker 1: bucks a month. I would look for five hundred extra

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Speaker 1: dollars a month, if not a thousand to start putting

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Speaker 1: toward these debts. Maybe you even need to start contracting

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Speaker 1: again to you know, create an additional income stream so

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Speaker 1: you can start paying off this debt. But I really

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Speaker 1: want to motivate you because this is not un get overable.

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Speaker 1: This is not insurmountable. Eleven thousand plus five thousand in

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Speaker 1: texts at sixteen thousand. I know you got this, girl.

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Speaker 1: I know you do maybe a year, maybe a couple

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Speaker 1: of years. But I think what's really challenging in this

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Speaker 1: situation is that that feeling of like you're kind of

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Speaker 1: a deer in headlights because it seems really stressful. And

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Speaker 1: I'm just really proud of you for even you know,

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Speaker 1: obviously leaving this question because it takes a lot too

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Speaker 1: and you're so transparent about it. That's wonderful. But then

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Speaker 1: it's like sitting down to actually do the thing, to

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Speaker 1: start chipping away at the debts that you have, break

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Speaker 1: up what you got to do into some small, realistic goals.

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Speaker 1: So you're listening to this, now, let's make the goal

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Speaker 1: to go to the IRIS link that I sent and

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Speaker 1: look through all of the options to see if you

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Speaker 1: can get on a payment plan or if you can

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Speaker 1: get an offer and compromise. But make that that's a big,

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Speaker 1: kind of hairy, scary goal for one day, but not undoable.

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Speaker 1: Let's make that your first task for one for the

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Speaker 1: next day, download some sort of budgeting app. I've been

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Speaker 1: using Rocket Money. I've also been using Monarch Money. Hear

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Speaker 1: good things about those two. I like Rocket, I like Monernic.

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Speaker 1: I think they're very similar. Rocket has this feature where

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Speaker 1: it helps you identify recurring payments and offers to call

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Speaker 1: and get rid of those recurring payment for subscriptions that

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Speaker 1: you no longer want. Although I've had really terrible luck

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Speaker 1: a lot of times they're not able to contact the

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Speaker 1: companies for whatever reason. But anyway, they do offer that

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Speaker 1: as a as a service. At least it makes it

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Speaker 1: easy for me to see how many subscriptions I have

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Speaker 1: and then figure out which ones I want to get

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Speaker 1: rid of. But I want you to get one of

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Speaker 1: these apps. I want you to have everything in one

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Speaker 1: place and then look at your credit cards and order

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Speaker 1: them the way that you want to tap them. You

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Speaker 1: can start make one day the day where you're going to,

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Speaker 1: you know, get those budgeting get those management money management

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Speaker 1: apps set up and at least have all your accounts

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Speaker 1: in one place. I need you to make a decision

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Speaker 1: about credit cards in general, it's really hard to get

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Speaker 1: out of credit card debts while credit card debt while

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Speaker 1: still using your credit card. And the thing about the

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Speaker 1: balance transfer I think about the balance transfer is it's

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Speaker 1: going to feel like once that money you know has

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Speaker 1: been transferred to a new card, it's going to feel

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Speaker 1: like you have no more credit card debt on that card,

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Speaker 1: and you may start to rack up more charges on

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Speaker 1: that card. So one of the days, one of the

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Speaker 1: tasks on one of the days you have to do is, Okay,

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Speaker 1: let's look at the budget and decide how am I

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Speaker 1: going to pay for my necessary expenses and not have

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Speaker 1: to continue putting money on these cards. And I need

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Speaker 1: you to have an answer for that. It may not

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Speaker 1: be the most comfortable answer. Sometimes it may mean, well, damn,

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Speaker 1: I had to find some extra income or else I'm

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Speaker 1: not going to be able to cover my expenses for

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Speaker 1: the month. Things are just I don't got to tell y'all,

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Speaker 1: it's expensive out here, and it may be that your

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Speaker 1: expenses are just outweighing your cash flow for the month.

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Speaker 1: So hopefully with that money app and kind of assessing everything.

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Speaker 1: You can get a sense of here's what I have

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Speaker 1: coming in, here's all my bills and expenses. You know,

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Speaker 1: Rocket Money and Monarch can help you identify some of

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Speaker 1: your discretionary money, some of your extras that you can

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Speaker 1: you can get rid of to free up more money

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Speaker 1: and your budget each month. And you're going to have

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Speaker 1: to be really focused on paying down this debt, and

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Speaker 1: that's going to mean saying no to some experiences you

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Speaker 1: maybe want to have this year, some events you maybe

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Speaker 1: wanted to attend, gifts you wanted to give. It's not

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Speaker 1: gonna lie. It's gonna suck. It's gonna suck while you're

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Speaker 1: paying this down. And I think that's a little bit of,

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Speaker 1: you know, just a reality check there. It's not gonna

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Speaker 1: be fun. And I don't I don't think anyone. This

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Speaker 1: is not one of those like commercials for like weight

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Speaker 1: loss drugs or diabetes medications where it's like, oh, we're

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Speaker 1: canoeing and we are you know, painting on a mountaintop

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Speaker 1: and it's all joyous while we're getting over these these issues.

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Speaker 1: Now it's it sucks because it means you can't you

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Speaker 1: can't do what you were doing before. You know as

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Speaker 1: much because you have this new goal. But you're with us,

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Speaker 1: You're in the BA fam, and we're all on this

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Speaker 1: journey together. So check in with me like dm me.

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Speaker 1: I wish you you could even join the Patreon and

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Speaker 1: keep BA fam. We have a chat function there you

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Speaker 1: can let us know how it's going. But find your

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Speaker 1: people who can support you on this journey and people

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Speaker 1: who are who are just aware of what you're going

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Speaker 1: through because they're gonna make it like the least painful possible.

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Speaker 1: You're not gonna feel like you're missing out because they're

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Speaker 1: just gonna keep encouraging you. And that's what we're here

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Speaker 1: to do right now. On top of all this, I

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Speaker 1: also want to encourage you to practice some self care.

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Speaker 1: Self care can be free, okay, but during the time

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Speaker 1: when you're paying down this debt and even now, like

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Speaker 1: there's stress, there's anxiety. I'm really happy to hear that.

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Speaker 1: And you said you were working with a life coach.

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Speaker 1: I think you also mentioned in therapy, but like find

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Speaker 1: a way to check in with yourself mentally and to

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Speaker 1: save some space for yourself just to yeah, take a breather,

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Speaker 1: relieve some of the stress and remove some of the

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Speaker 1: shape around. This can be talking with a friend, it

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Speaker 1: can be talking with you know, be a fan, whatever

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Speaker 1: community that you want to turn to. But do something

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Speaker 1: that pours back into you at least once a week,

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Speaker 1: maybe even once a day. Little ten minute meditation a

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Speaker 1: day really keeps the scaries away sometimes. But use mindfulness, journaling,

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Speaker 1: any regular routine to pour back into yourself and remind

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Speaker 1: yourself that you're okay, you got this. You'll get through this.

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Speaker 1: There's no shame in it. You have a strategy. It's

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Speaker 1: just going to take time now, time and consistency and

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Speaker 1: discipline to get through it. And I know you got this.

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Speaker 1: This okay, all right, va Fam, Thank you so much

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Speaker 1: for listening to the show. If you want to submit

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Speaker 1: your question, voice memos are more than welcome. You can

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Speaker 1: DM me at Brown Ambition Podcast on Instagram. You can

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Speaker 1: also email me Brown Ambition Podcast at gmail dot com.

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Speaker 1: Thank y'all so much. I hope to see you at

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Speaker 1: my AI Strategy Workshop webinar later this month for twenty

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Speaker 1: fifth Again, RSVP link is going to be the show

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Speaker 1: notes and until that, ba Fam, I'm sending you so

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Speaker 1: much love and listen if y'all want to send your

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Speaker 1: Michelle Obama RSVP to the Internet like I'm collecting them now.

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Speaker 1: It's fine, don't don't. We don't got to be there, Okay,

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Speaker 1: we got other things to do. We are otherwise occupied. Okay,

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Speaker 1: take care of via fam. Bye.