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Speaker 1: Hey, hey, hey, we're back. We're back. We're back, We're back.

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Speaker 2: It's Brown Ambition Tuesday.

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Speaker 1: Yes, you know you love us.

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Speaker 2: It's the best day of the week.

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Speaker 1: It is. Really Tuesdays are well, not typically, but because

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Speaker 1: it's Brown Ambition Tuesdays, it's pretty awesome.

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Speaker 2: You're still feeling fresh, you're still feeling optimistic about the

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Speaker 2: week that's later before you. It's not like the home

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Speaker 2: day Wednesday, when you're just dragging rite.

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Speaker 1: Tuesdays like anything can happen.

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Speaker 2: Thursday, when you just can't even imagine the horizon on

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Speaker 2: the weekend.

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Speaker 1: And then Friday, Oh, excited. You know Friday is Black

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Speaker 1: Girl's Rocket. I snagged a ticket.

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Speaker 2: Oh really, where's that at?

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Speaker 1: It's always at Njpack in Newark, which is literally like

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Speaker 1: a fifteen minute walk from my house. So I'm super excited.

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Speaker 2: Is that the thing that Michelle Obama was at last year?

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Speaker 1: Yes, And so it's a whole award show that just

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Speaker 1: kind of like honors black women who are doing great things.

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Speaker 1: And what I really love about Black Girl's Rocket is, yes,

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Speaker 1: they honor some famous people, but a lot of the

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Speaker 1: people they honor are just regular people doing extraordinary things

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Speaker 1: for black women.

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Speaker 2: So you will come back with the stack of wins.

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Speaker 1: Yeah, oh for sure, wins.

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Speaker 2: For the year.

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Speaker 1: Yeah. I'm excited to like go because I volunteer. They

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Speaker 1: have this summer camp called Black Girls Lead, and they

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Speaker 1: as like, as a thank you for volunteering and teaching

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Speaker 1: the girls financial education, They're like, hey, Tiffany, here's a ticket.

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Speaker 1: So I'm like, woo woo. Thanks.

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Speaker 2: Oh that's so great.

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Speaker 1: How fun.

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Speaker 2: I have no idea what I'm doing on Friday. I'll

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Speaker 2: be following on you on Instagram.

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Speaker 1: I guess all right, I'm gonna have to learn how

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Speaker 1: to use snackchat.

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Speaker 2: Just live live the life for both of us. Well,

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Speaker 2: I'm on Netflix. Man, I watched a I'm going to

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Speaker 2: get into what I've been up to this week and YouTube,

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Speaker 2: but I want to this reminds me of this this

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Speaker 2: Ted talk I just watched. It's on people who procrastinate.

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Speaker 2: It's like inside the mind of a procrastinator. And this

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Speaker 2: resonated with me. I mean, you seem like a woman

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Speaker 2: who has your stuff together, but I am a lifetime procrastinator.

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Speaker 2: It's shocking to me. It's been over ten years since

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Speaker 2: I left the care of my parents, and I have

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Speaker 2: not changed one bit. I still don't make the bed,

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Speaker 2: and I still don't do things on time. I'm like

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Speaker 2: always working up to the deadline, and I just can't

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Speaker 2: figure out why I'm like this, Why am I this way?

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Speaker 2: And this guy, the Ted, talks on the front page

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Speaker 2: of ten right now, and you can go. I actually

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Speaker 2: just read the transcript and it was really good. I

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Speaker 2: didn't have headphones to listen to it on the plane,

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Speaker 2: but I thought it was really good. He talked about

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Speaker 2: the panic monster that you have inside of you and

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Speaker 2: the little procrastinator monkey, and they're always like battling each other,

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Speaker 2: and he said that the important thing is learning how

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Speaker 2: to harness your panic monster. It makes way more sense

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Speaker 2: when he explains it all how to harness your panic monster,

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Speaker 2: which is what kicks in when you have one day

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Speaker 2: before deadlines do and then all of a sudden, you

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Speaker 2: just get all the skills you need to accomplish it

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Speaker 2: that you didn't have a month ago when it. You know,

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Speaker 2: we first we assigned it learning how to remember what

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Speaker 2: the panic monster feels like and then using that to

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Speaker 2: kick the little procrastinator monkeys. But it sounds ridiculous, but

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Speaker 2: I really encourage you to check it out.

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Speaker 1: Yeah, honestly, I am a I am not even a

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Speaker 1: reform procrastinator, because I still like am like a super procrastinator.

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Speaker 1: But what I have learned is that I surround myself

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Speaker 1: with team members, like for the Budganista, who are not procrastinators.

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Speaker 1: So they help to get me in gear because they

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Speaker 1: will set deadlines for me that are way before they

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Speaker 1: actually do, and then they will ride me until it's done.

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Speaker 1: They're like, did you do it? Did you do it?

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Speaker 1: You say you're gonna do it, did you do it?

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Speaker 1: And I'm like, okay, already.

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Speaker 2: It always works better when it's someone that you're not

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Speaker 2: super close to. Yeah, Like I've been talking about doing

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Speaker 2: a book for as long as I've been with my

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Speaker 2: fiance and he's always like, what about the book you're

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Speaker 2: supposed to do by Christmas and that kind of thing,

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Speaker 2: and I'm like, shut up, I didn't really say it.

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Speaker 2: I'm working on it. He's like, I've been watching you,

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Speaker 2: and I feel like you've been watching a lot and

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Speaker 2: Netflix lately.

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Speaker 1: Though. Don't you hate with someone that you care about,

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Speaker 1: like you know, hold you to tax on something good?

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Speaker 1: And you're like, if you don't leave me, the hell alone.

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Speaker 2: They see everything. It's it's I you know, you instantly

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Speaker 2: get defensive and annoyed instead of focusing on like what

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Speaker 2: they're actually saying.

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Speaker 1: Yeah, that's probably Boo was right, Wow, thank you so much. It'stead.

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Speaker 1: It's like, so you're stalking me now, so you're watching

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Speaker 1: so I can't enjoy myself.

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Speaker 2: But let me tell you. I went to h I visited.

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Speaker 2: I had a really surreal experience where I got to

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Speaker 2: go back to my alma mater, the University of Georgia,

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Speaker 2: and speak to some students last week. And one of

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Speaker 2: my old professors was like, Mandy, didn't last time I

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Speaker 2: talked to you, though, weren't you working on but And

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Speaker 2: I was like, oh my god, professor, Yes, you're right,

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Speaker 2: I'm getting on and I'm you know, and like instantly

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Speaker 2: I'm thinking, I gotta get on this thing. Like you know,

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Speaker 2: it's different than when someone that you don't know so

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Speaker 2: well outside Yeah, like you said, keeps you a task. Yeah, anyway,

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Speaker 2: did you do anything special for Easter, like Easter weekend

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Speaker 2: like this whole kind of like break weekend. Well, I'm

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Speaker 2: really bad. I totally forgot it was Easter when I

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Speaker 2: was booking a trip to Georgia. I was like, my

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Speaker 2: tickets so expensive cause it came so early this year,

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Speaker 2: didn't it?

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Speaker 1: It did feel like it came early this year.

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Speaker 2: But actually, since I was in Georgia, I spent my

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Speaker 2: very first Easter with my dad in like fifteen years.

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Speaker 2: We have not spent Easter together in so long. And

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Speaker 2: we took we had a long, long, long road trip

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Speaker 2: the day before, so we were so tired. We did

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Speaker 2: not go to church. I'm sorry, but we did have

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Speaker 2: a nice breakfast. He cooked me some eggs and some grits.

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Speaker 1: Oh so you ate the chickies that we see on TV.

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Speaker 1: That's what you did. Is that what you're saying?

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Speaker 2: Yes, I ate the chickies and the little piggies. I

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Speaker 2: had some ham.

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Speaker 1: You gotta ham, Yeah, you gotta have ham.

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Speaker 2: And then I had some sweet potato pie. And I

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Speaker 2: do not apologize.

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Speaker 1: I know I have been eating crazy lately. I'm just

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Speaker 1: like like, so, I just like today I took a

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Speaker 1: break and I was like, all right, so you know

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Speaker 1: the Academy launch, it did well, and I was activity like,

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Speaker 1: it's time to like groom yourself. Oh, you'd be proud

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Speaker 1: of me. I totally bought Big Girl underwear today. I

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Speaker 1: know they weren't in a pack and they were on

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Speaker 1: a hangar, and I thought about you. I was like,

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Speaker 1: Mandy would be so proud.

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Speaker 2: No more gives me such joy to know that you

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Speaker 2: think of me when you put on your underwear. It

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Speaker 2: really does. It's special.

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Speaker 1: I was like, this is not pac underwear. I was

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Speaker 1: with my sister because I was like, you know, I

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Speaker 1: the last few months, I've just been like just focused

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Speaker 1: on work, work, work, work, work, well, my business anyway,

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Speaker 1: and I have not fully taken care of like myself.

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Speaker 1: And so I was like, you know what, now that

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Speaker 1: the thing that I've been working on is launched and

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Speaker 1: it's running. You know. Once the last time, I got

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Speaker 1: my nails done, so Superman sent me to get my

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Speaker 1: nails and feet done. I got my eyes, brows done,

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Speaker 1: I got my hair done. I'm like, oh my god,

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Speaker 1: it almost looks like a person.

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Speaker 2: The eyebrows are everything.

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Speaker 1: Everything. When I say everything like that alone, I was like,

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Speaker 1: oh my goodness, there she is. You know.

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Speaker 2: That is why during times of recession, like during the

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Speaker 2: past recession, so many people were spending more on like

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Speaker 2: Manny's petties and like eyebrow waxing. Because it's like a

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Speaker 2: little inexpensive tree you could still afford to give yourself.

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Speaker 2: It means it really changes a lot.

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Speaker 1: Yes, And then even she was like, you're like glowing,

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Speaker 1: what's going on? I was like, no, I just actually

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Speaker 1: like scrub my face.

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Speaker 2: You're just like twenty pounds of hair lighter, I know,

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Speaker 2: and just like and.

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Speaker 1: So we went cause she's like my sister Tracy, She's

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Speaker 1: like the silish one. And so I asked her, I'm like,

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Speaker 1: you know, I have not bought clothes for myself in

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Speaker 1: literally years, and she's like, no, we always buy clothes.

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Speaker 1: I'm like, no, we buy close for the budgetista. And

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Speaker 1: I'm sick of her right now.

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Speaker 2: You told us, so does she take you shopping?

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Speaker 1: Oh my gosh, Mandy, I'm so excited. I have Like

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Speaker 1: I'm like, I have four pairs of jeans and shirts

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Speaker 1: and shoes. I'm just like I didn't even bring them

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Speaker 1: upstairs to my room because I was like, no, offending closet.

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Speaker 1: You gym shirts. I have to I literally have about

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Speaker 1: thirty gym shirts.

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Speaker 2: Do you hang your gym shirts up?

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Speaker 1: No? I fold them and it's got ridiculous and I'm like,

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Speaker 1: why do I have so many? And so I'm going

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Speaker 1: to clean out my closet before I put my beautiful

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Speaker 1: new things inside. But I feel like first day of school,

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Speaker 1: I'm like, oh, what read amorrow?

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Speaker 2: Remember that feeling when you had enough new outfits for

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Speaker 2: the first week and then and then it felt like

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Speaker 2: you fell off a cliff the one next week, You're like,

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Speaker 2: what do I do?

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Speaker 1: No? No, one of my friends thought she was so

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Speaker 1: slick in that she the first week of school she

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Speaker 1: would wear her old clothes and let us all wear

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Speaker 1: our new ones. And then the second week is when

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Speaker 1: she'd come out and try to stun on us.

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Speaker 2: Oh kids, high school was real. I had a clothing

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Speaker 2: calendar and I would not let myself repeat the same

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Speaker 2: outfit every within two weeks.

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Speaker 1: Are you kidding? Yet?

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Speaker 2: I did? And I really kept that thing for about

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Speaker 2: a year. It was like eleven, No, tenth grade, eleventh grade,

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Speaker 2: it was it was the most.

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Speaker 1: But yeah, I just feel really happy because I'm just like, look,

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Speaker 1: I feel like myself again. I'm like, all right now,

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Speaker 1: if I can only stop overeating, because honestly, everything goes

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Speaker 1: straight to my belly these days.

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Speaker 2: It's an you know, it's a balancing act.

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Speaker 1: Yeah, but this belly is balancing itself quite lovely with

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Speaker 1: my behind. I'm like, so you have a booty, dude,

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Speaker 1: instead of a booty. Like I just feel like my

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Speaker 1: behind is getting my my my stomach is getting as

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Speaker 1: big as my behind, even though I know it's not.

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Speaker 2: But this is the time of year when those New

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Speaker 2: year's resolutions get real tough, right, January seems real far away,

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Speaker 2: and then you start thinking about next year's resolutions exact.

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Speaker 1: And then of course all the Easter candy, which is

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Speaker 1: my favorite candy of the year. I mean, the fact

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Speaker 1: that I have a favorite candy of the year tells

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Speaker 1: you something about my sugar addiction. It's like, oh my god,

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Speaker 1: Easter candy. It is the best candy. Silvers has these

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Speaker 1: eggs that like you can get like one with caramel,

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Speaker 1: you can get coconut, you can get just all these

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Speaker 1: different flavors, and it's they are everything. And they go

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Speaker 1: to sit on sale like the day after Easter to

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Speaker 1: like thirty three cents, and then the day after that

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Speaker 1: it's about twenty five cents an egg. And they're usually

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Speaker 1: about cutting and you know, honestly, they are life like

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Speaker 1: I'm telling myself, not this year, Tiffany, not this year.

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Speaker 1: And even as I speak, I'm already in my mind like, oh,

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Speaker 1: I really need to try the red velvet egg this year.

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Speaker 1: After I know it is, don't do it, please, don't boy.

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Speaker 1: Join this side.

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Speaker 2: This is like I'm sorry, sorry, sorry, sorry.

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Speaker 1: Yeah, this is like the meth addiction side.

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Speaker 2: You're like, you know what, I can hear you like

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Speaker 2: scratching over there. You know what this life I mean?

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Speaker 2: You want, by all means, get yourself to write aid.

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Speaker 1: I know, right. Oh yeah, so I'm just trying to

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Speaker 1: tell myself. I'm like, well, maybe just one, just one

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Speaker 1: camel egg, that's what you tell yourself, And then before

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Speaker 1: you know, you're like five rappers in in the bed,

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Speaker 1: like oh.

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Speaker 2: Well, damn it. I wasn't thinking about Easter candy at

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Speaker 2: all until just now, in this moment I have had one.

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Speaker 2: Now I'm kind of thinking of those little Reese's piecies eggs.

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Speaker 1: Yes, oh my god, those are so good. Yeah. I'm

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Speaker 1: telling you, there's someone listening now who's like, thanks, Tiffany,

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Speaker 1: just great.

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Speaker 2: Were starting jelly? All right, Well, I have an update

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Speaker 2: from the weekend. So while I was in Georgia. It

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Speaker 2: was a really cool thing. I got to go back

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Speaker 2: to my college. I haven't been there in five years,

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Speaker 2: and part of me was like, am I old enough

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Speaker 2: to be spreading any wisdom? And the other part of

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Speaker 2: me was just like tripping. It was like going back

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Speaker 2: in a time machine, like so much on the campus

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Speaker 2: hadn't changed, and like UGA is one of these campuses

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Speaker 2: where it's like its own little universe, you know, you

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Speaker 2: really get caught in the bubble. And I had this

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Speaker 2: weird I had a weird experience where toward the end

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Speaker 2: of my trip, I was like, I need to get

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Speaker 2: out of here before they fuck me back in. You know,

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Speaker 2: everyone's kind of like, oh, go to this grad program

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Speaker 2: and oh you know this adjunct professor thing, and why

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Speaker 2: don't you come back. I'm like I could easily just

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Speaker 2: you know, be very comfortable here, and I was like,

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Speaker 2: I need to get get out. It felt like they

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Speaker 2: were just yanking at my ankles. But while I was

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Speaker 2: in town though, I decided to so, you know, we're

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Speaker 2: thinking about where we're going to have the wedding, and

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Speaker 2: went back and forth, back and forth. Are we doing

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Speaker 2: it in the dr are we doing it in New York.

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Speaker 2: They're just way too expensive. So we decided to do

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Speaker 2: it to Georgia. And so while I was there, I

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Speaker 2: set up like two appointments, three appointments really, two around

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Speaker 2: Atlanta and then one in Savannah, and I visited them

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Speaker 2: all and it was like house hunters, but instead of houses,

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Speaker 2: it was wedding venues. And I chose where where where

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Speaker 2: We're getting married in Savannah.

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Speaker 1: I was hoping, you're gonna say that I love Savannah.

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Speaker 2: It's real pretty, it's written. Not only is it like

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Speaker 2: a beautiful town and so charming and romantical with the

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Speaker 2: trees and you know, the water being there, but it's

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Speaker 2: so affordable, so we are. It's a fraction of what

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Speaker 2: it would cost in New York, and even less than

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Speaker 2: what I thought it would cost to have a destination wedding,

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Speaker 2: which I thought was going to be. I mean, it's

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Speaker 2: still a destination wedding, but even less than getting married

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Speaker 2: in the Caribbean. Yeah, it's incredibly expensive, and I had

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Speaker 2: an inexpensive and I had a really good idea because

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Speaker 2: I had done so much research and I'd been emailing

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Speaker 2: back and forth with these venues and I was like,

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Speaker 2: you post this on your website, but it says it's

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Speaker 2: from twenty fifteen. I need the real numbers. I need

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Speaker 2: to know because I didn't want to go visit a

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Speaker 2: place if I knew it was out of my budget.

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Speaker 2: And we were mainly looking at like garden manor kind

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Speaker 2: of kind of deals, like you know, really pretty gardens

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Speaker 2: and stuff. This place ticked every single box. It's a

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Speaker 2: beautiful home on a beautiful farm, and it has but

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Speaker 2: it has a modern twist. And not only that, but

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Speaker 2: the people there are so professional, and I mean, the

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Speaker 2: price was right, really right. And I was chuckling because

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Speaker 2: so my dad and I. My dad made the road

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Speaker 2: trip with me, which was really funny, and I could

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Speaker 2: feel him kind of, you know, tearing up when we

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Speaker 2: were when we were looking around the venue and you

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Speaker 2: see the ceremony site, and he's just he's such a

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Speaker 2: tough cookie, but he was getting a little emotional. But

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Speaker 2: at the end of the tour, they bring you into

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Speaker 2: the office and that's where you talk the numbers, and

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Speaker 2: I like, I'm rearing to go. This is my favorite

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Speaker 2: part of the whole thing because I'm not messing around.

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Speaker 2: I know my stuff, and he's telling me what this

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Speaker 2: cost and what that costs. And he's like, I just

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Speaker 2: want you to know. I know it's gonna sound like

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Speaker 2: a lot, but here's your estimate. And I was like,

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Speaker 2: my god, I was so happy, Like is.

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Speaker 1: It like so like in comparison, Like let's just say,

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Speaker 1: you know, like the Northeast, is it like half a quarter?

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Speaker 2: Well, okay, so the average wedding in New York City

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Speaker 2: is over fifty thousand dollars. Let's just go ahead and

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Speaker 2: say that this wedding is gonna be less than fifteen

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Speaker 2: thousand dollars.

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Speaker 1: Okay, awesome.

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Speaker 2: And we're paying all in cash and I feel really

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Speaker 2: amazing about that. And we're paying all in cash and

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Speaker 2: we're still gonna I mean, it's not like I'm depleting

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Speaker 2: my hard saved, hard saved savings for this wedding. And

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Speaker 2: I feel amazing about that. We're still gonna have a

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Speaker 2: fun wedding. The key, the key to keeping it on

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Speaker 2: budget for us is going to be keeping that guest

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Speaker 2: list down. Yeah, which we're accomplishing in a couple of

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Speaker 2: different ways. One is we might do an eighteen and

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Speaker 2: up rule. I'm not sure yet, Okay, for attending the wedding,

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Speaker 2: I like that you know, feel free to bring your baby,

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Speaker 2: but you gotta get a sitter. And since it's four

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Speaker 2: hours away, so savannahs about four hours outside of Atlanta,

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Speaker 2: where my family's from, that you know, people may not

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Speaker 2: want to make that drive. It's terrible something to think about.

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Speaker 2: And then obviously fiance Bou's family is in New York

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Speaker 2: and they may not be able to in the d R.

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Speaker 2: And you know, I think destination weddings are awesome and

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Speaker 2: that you really get the.

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Speaker 1: That's supposed to really be there, the people.

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Speaker 2: That really want to be there. I meant not that

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Speaker 2: I'm yeah, I know, I know what you're saying, and

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Speaker 2: not that it's not that your willingness to spend money

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Speaker 2: shows how much you love. But you know, if we're

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Speaker 2: obviously going to we're prepared to help people, you know, family,

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Speaker 2: close family, if they need a little help coming down.

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Speaker 2: But it's it's it's definitely going to be less expensive

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Speaker 2: than if we were to do it in New York

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Speaker 2: when which it would be so easy for everybody to come,

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Speaker 2: I mean, or doing in Atlanta where everybody could show

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Speaker 2: up and you don't know who they're bringing, you know, friends, cousins, kids,

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Speaker 2: you didn't really had all that kind of stuff, so

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Speaker 2: I don't know. I'm so happy. It feels like this

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Speaker 2: huge weight is off my shoulders. I can't wait, and

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Speaker 2: my budget is happy. It feels really good. I encourage

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Speaker 2: everybody to save for something and then be able to

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Speaker 2: afford it. It feels very unique, it feels very special.

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Speaker 2: Go ahead, we need to do the call out for emails,

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Speaker 2: because we left that till the very last minute last time.

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Speaker 2: Just as you don't know, we want to take your questions.

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Speaker 2: We'd love your comments. If you have my tips on

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Speaker 2: how to save on a wedding, or how you saved

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Speaker 2: on a wedding, or what you regretted paying for in

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Speaker 2: your wedding, email us at Brown Ambition Podcast at gmail

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Speaker 2: dot com dot com.

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Speaker 1: You can always tweet us at the BA podcast. I

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Speaker 1: love when you tweet us, and then like even when

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Speaker 1: you tag us personally at Mandy with an I Woodruff

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Speaker 1: and at the Budgetista. I love like reading the tweets,

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Speaker 1: like especially when you tell me stuff like Tippy stay

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Speaker 1: with that pack underwear. I'm like, thanks girl.

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Speaker 2: I feel like we're pretty generous retweeters. We are fas

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Speaker 2: mm hmm.

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Speaker 1: I love, I love getting tweets for y'all. So I

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Speaker 1: was telling Mandy, like, you know that I wanted to

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Speaker 1: try something different when it came to brown break, that

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Speaker 1: I wanted to have a positive alternative. So sometimes, yes, indeed,

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Speaker 1: that we want to take a brown break because it's

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Speaker 1: brown break time. But what if you're like, you know what,

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Speaker 1: I actually want more of something. What if you're just like,

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Speaker 1: you know what, I'm actually not trying to break take

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Speaker 1: a break this week. I want a little extra dollar

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Speaker 1: and of goodness. And so I came up with the

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Speaker 1: name brown Boost, and so I kind of want to

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Speaker 1: do a brown boost this week instead of a brown break.

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Speaker 2: So you are allowed, yes, So I'll do a boost too.

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Speaker 1: Okay, so my brown Boost. I mean, I don't know

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Speaker 1: if you guys can tell, I have an extra little

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Speaker 1: pep in my step, little extra happiness in my voice,

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Speaker 1: and so like, I don't know, Like I the last

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Speaker 1: few months, I've been working on a project and it's

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Speaker 1: finally done, and it just, I mean, it was a

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Speaker 1: good project. It was for my business, but it just

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Speaker 1: was very all encompassing. And now that it's done, I'm like, Oho,

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Speaker 1: I feel like I've emerged from a cocoon, and I'm

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Speaker 1: just really like excited to get back to more balance.

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Speaker 1: So I wanted to take or give myself a brown

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Speaker 1: boost of balance, like I want to hang out with

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Speaker 1: my friends more, hang out with Superman more. Of course,

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Speaker 1: it's still, you know, work on my dream and work

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Speaker 1: on my business, but not for that to be the

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Speaker 1: only focused which is I feel like it's been for

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Speaker 1: a few months. And and just even like I know,

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Speaker 1: balance is such a deceptive word because especially for women,

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Speaker 1: you know, we think that balance means that at every

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Speaker 1: given moment, everything is spread equally. And I've learned to

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Speaker 1: forgive myself to say, no, that's not true. There may

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Speaker 1: be four or five months where I'm working on a

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Speaker 1: project where that gets the majority of my attention, and

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Speaker 1: then when I'm not, I'm leaning more into family. To me,

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Speaker 1: balance is just about hitting all the things that are

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Speaker 1: important to you, but it doesn't have to happen all

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Speaker 1: the same time and right now, like I don't have

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Speaker 1: any major things on the horizon right now, so I'm

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Speaker 1: just really leaning into family and friends. Like I baby

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Speaker 1: sit my nephew. My sister just went back to work.

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Speaker 1: He's seven months A baby sit him on Tuesdays and

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Speaker 1: Thursday mornings for like four hours, and that's part of

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Speaker 1: my balance. And I love it because it forces me

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Speaker 1: to stop because he's like computer work. We'll see about that.

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Speaker 1: That computer is meant for YouTube and for me to

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Speaker 1: watch my little like baby channels, and so yeah, it

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Speaker 1: just made me really happy. I just feel like light

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Speaker 1: and balance and I feel cute since I got myself

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Speaker 1: a little bit snatched, since I was looking crazy coming

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Speaker 1: out of the and yeah, brown boosts to balance.

432
00:19:39,920 --> 00:19:42,560
Speaker 2: I like it. I like the positive spin on things,

433
00:19:42,680 --> 00:19:44,960
Speaker 2: especially given the fact that there's been like how many

434
00:19:45,040 --> 00:19:48,800
Speaker 2: terrorists attext and last yeah week, it's like every time

435
00:19:48,840 --> 00:19:50,960
Speaker 2: you turn on the news, it's bad. You know. My

436
00:19:51,040 --> 00:19:53,000
Speaker 2: brother and I are planning a trip to London and

437
00:19:53,040 --> 00:19:57,080
Speaker 2: he's like, should we still go? And I had to say,

438
00:19:57,160 --> 00:19:59,560
Speaker 2: I know this is kind of a turn, but I

439
00:20:00,680 --> 00:20:03,840
Speaker 2: I still want to go. And I guess my rationale

440
00:20:03,880 --> 00:20:07,280
Speaker 2: here is I work in Times Square in New York,

441
00:20:07,440 --> 00:20:11,400
Speaker 2: and I feel like every day is of gamble going

442
00:20:11,440 --> 00:20:14,040
Speaker 2: to work, especially in the way because of some of

443
00:20:14,080 --> 00:20:16,280
Speaker 2: these attacks. When there's you know, I go to I

444
00:20:16,320 --> 00:20:18,240
Speaker 2: get off the train and there's all these people in

445
00:20:18,359 --> 00:20:21,680
Speaker 2: swat uniform uniforms and dogs, you know, bomb sniffing dogs.

446
00:20:21,680 --> 00:20:24,320
Speaker 2: And just today there was a package that someone found,

447
00:20:24,480 --> 00:20:26,720
Speaker 2: a dog sniffed it and they had to call everybody out.

448
00:20:26,760 --> 00:20:29,439
Speaker 2: And I don't know, I just feel like, you know,

449
00:20:30,080 --> 00:20:31,760
Speaker 2: what's worse than Times Square.

450
00:20:32,240 --> 00:20:33,919
Speaker 1: You know, I feel you when people tell me, like,

451
00:20:34,160 --> 00:20:36,280
Speaker 1: don't travel there, it's dangerous. I'm like, so, I live

452
00:20:36,320 --> 00:20:37,880
Speaker 1: in Newark, New Jersey. I don't know if you've heard

453
00:20:37,880 --> 00:20:38,359
Speaker 1: of it before.

454
00:20:39,480 --> 00:20:42,199
Speaker 2: Yeah, that's true. There's probably a big a better chance,

455
00:20:42,920 --> 00:20:46,240
Speaker 2: you know, petty violence could happen. You know that after

456
00:20:46,359 --> 00:20:48,680
Speaker 2: something like that in a place like New York or

457
00:20:48,760 --> 00:20:51,560
Speaker 2: New Jersey than you know, something crazy on the scale

458
00:20:51,600 --> 00:20:54,160
Speaker 2: of a terrorist attack exactly.

459
00:20:54,280 --> 00:20:56,040
Speaker 1: So I just, I mean, I totally get it.

460
00:20:56,320 --> 00:20:57,479
Speaker 2: It's famous last words.

461
00:20:57,520 --> 00:21:01,720
Speaker 1: I know. No, I think that the truth of the

462
00:21:01,760 --> 00:21:03,560
Speaker 1: matter is, of course, you want to be smart. We

463
00:21:03,560 --> 00:21:04,720
Speaker 1: want to be We don't want to be like that

464
00:21:04,800 --> 00:21:06,840
Speaker 1: young gentleman who went to North Korea to steal a

465
00:21:06,880 --> 00:21:10,040
Speaker 1: poster and now his life is ruined. You want to

466
00:21:10,080 --> 00:21:12,160
Speaker 1: be smart, you know, when you travel, But you also

467
00:21:12,200 --> 00:21:14,000
Speaker 1: don't want to be afraid of the world, like you know,

468
00:21:14,040 --> 00:21:16,639
Speaker 1: there's always going to be something, so you have to

469
00:21:16,720 --> 00:21:19,320
Speaker 1: balance being smart with steing still seeing the world.

470
00:21:20,280 --> 00:21:23,480
Speaker 2: I think, yeah, and I've always I don't believe that

471
00:21:23,520 --> 00:21:27,919
Speaker 2: we should, let you know, terrorists dictate where we travel,

472
00:21:27,920 --> 00:21:30,560
Speaker 2: where we put our money at. But we are being

473
00:21:30,960 --> 00:21:32,800
Speaker 2: a little bit cautious. I think I will buy the

474
00:21:32,840 --> 00:21:35,439
Speaker 2: trip insurance. I don't know. I feel like in the

475
00:21:35,440 --> 00:21:39,200
Speaker 2: wake of some terrorist attacks, airlines, like especially after Paris

476
00:21:39,240 --> 00:21:44,000
Speaker 2: airlines have been understanding when it comes to refunding travelers.

477
00:21:44,680 --> 00:21:47,000
Speaker 2: So I'm gonna do some more research and look into

478
00:21:47,000 --> 00:21:49,440
Speaker 2: that and see if it's worth paying the extra a

479
00:21:49,440 --> 00:21:52,040
Speaker 2: little bit for trip insurance. But I don't foresee any

480
00:21:52,160 --> 00:21:56,800
Speaker 2: any horrible events and girls, speaking of balance, I really

481
00:21:56,840 --> 00:21:59,160
Speaker 2: need to get out of the country, I really do,

482
00:21:59,240 --> 00:22:00,920
Speaker 2: and I want I want to go see my Harry

483
00:22:00,920 --> 00:22:01,760
Speaker 2: Potter play.

484
00:22:02,359 --> 00:22:04,359
Speaker 1: When's the last time you traveled outside the country.

485
00:22:04,560 --> 00:22:08,600
Speaker 2: Well, okay, technically it is an come up to the

486
00:22:08,640 --> 00:22:11,840
Speaker 2: dr That is much different than traveling to London, though

487
00:22:11,840 --> 00:22:13,840
Speaker 2: that's a different kind of vacation. You know those trips

488
00:22:13,880 --> 00:22:16,280
Speaker 2: where you go to like feed your brain, Yeah, feed

489
00:22:16,280 --> 00:22:18,199
Speaker 2: your you know what I mean, like feed your knowledge

490
00:22:18,200 --> 00:22:20,199
Speaker 2: of the world and your worldview. This is what this

491
00:22:20,240 --> 00:22:22,280
Speaker 2: trip to London's going to be for me versus dr

492
00:22:22,320 --> 00:22:25,680
Speaker 2: where it's like give me loune chair.

493
00:22:26,520 --> 00:22:28,080
Speaker 1: I feel you though. That's like when I went to

494
00:22:28,960 --> 00:22:32,840
Speaker 1: India that was like feeding like but not so much

495
00:22:32,880 --> 00:22:35,199
Speaker 1: my brain, more so like my soul because it was

496
00:22:35,280 --> 00:22:37,760
Speaker 1: so I knew it was going to be so different

497
00:22:37,760 --> 00:22:39,800
Speaker 1: from anything I'd ever experienced, and it was. It was

498
00:22:39,840 --> 00:22:43,000
Speaker 1: just beautiful and I loved it. Honestly, it was probably

499
00:22:43,040 --> 00:22:44,720
Speaker 1: one of my favorite trips ever. But then, like when

500
00:22:44,720 --> 00:22:46,680
Speaker 1: I go to Jamaica, I'm like, look, I'm just here

501
00:22:46,720 --> 00:22:50,080
Speaker 1: for some beach, for some sun and like some fun.

502
00:22:50,200 --> 00:22:53,240
Speaker 1: Basically you know, y'all's queen. Yeah.

503
00:22:53,359 --> 00:23:00,320
Speaker 2: Sorry, I'm watching a lot of Broad City. Yeah yeah.

504
00:23:00,440 --> 00:23:02,240
Speaker 2: So let me turn this into a boost because I

505
00:23:02,280 --> 00:23:05,680
Speaker 2: have been thinking, you know, although we have been I've

506
00:23:05,680 --> 00:23:08,520
Speaker 2: been saving for a wedding longer than i've been engaged,

507
00:23:08,640 --> 00:23:12,240
Speaker 2: real talk, and I'm prepared and I'm prepared for that.

508
00:23:12,520 --> 00:23:14,879
Speaker 2: Nothing wrong with that, you know what. I encourage saving

509
00:23:14,920 --> 00:23:17,560
Speaker 2: for a wedding before going on and buying a wedding

510
00:23:17,640 --> 00:23:19,960
Speaker 2: dress before you're engaged, like that to me makes more

511
00:23:20,000 --> 00:23:22,840
Speaker 2: sense to like actually be saving for a big expense

512
00:23:22,880 --> 00:23:25,320
Speaker 2: in the future. But even though I've saved up for

513
00:23:25,440 --> 00:23:28,119
Speaker 2: and we feel pretty good. I am preparing myself for

514
00:23:28,160 --> 00:23:30,800
Speaker 2: the next year to like really scale back, not that

515
00:23:30,920 --> 00:23:35,400
Speaker 2: I've been living outrageously now, but scale back my expenses

516
00:23:35,480 --> 00:23:37,280
Speaker 2: for the next year so we can save up for

517
00:23:37,359 --> 00:23:41,359
Speaker 2: stuff that comes after the wedding, like a honeymoon. And

518
00:23:41,400 --> 00:23:44,480
Speaker 2: I still want to buy a house desperately, and I

519
00:23:44,520 --> 00:23:47,760
Speaker 2: don't want that plan to be derailed because of the wedding.

520
00:23:47,880 --> 00:23:52,400
Speaker 2: So I am in the process of rejiggering my entire budget,

521
00:23:52,640 --> 00:23:54,199
Speaker 2: and I think this is going to be less of

522
00:23:54,520 --> 00:23:57,399
Speaker 2: I usually have a bi weekly spending allowance I give myself.

523
00:23:57,440 --> 00:24:00,000
Speaker 2: I'm going to cut that back. Okay, I've got to

524
00:24:00,040 --> 00:24:02,040
Speaker 2: cut back on a lot of different things. Maybe i'll

525
00:24:02,080 --> 00:24:05,399
Speaker 2: share my new and improved budget, don't. I don't. I

526
00:24:05,440 --> 00:24:08,240
Speaker 2: think it'll be I think it'll be difficult because I've

527
00:24:08,880 --> 00:24:11,159
Speaker 2: slowly scaled up a little bit of what you know,

528
00:24:11,520 --> 00:24:14,680
Speaker 2: a little bit things like uber and the eating out

529
00:24:14,960 --> 00:24:17,320
Speaker 2: and the dropping the laundry off to get done and

530
00:24:17,400 --> 00:24:20,919
Speaker 2: picking it up later. Those things certainly.

531
00:24:20,560 --> 00:24:23,280
Speaker 1: Out of No, you're right, and it's so crazy you

532
00:24:23,320 --> 00:24:26,040
Speaker 1: said about budget, Like, I don't know. I love it's

533
00:24:26,040 --> 00:24:29,320
Speaker 1: so weird. I like literally love working through my budget.

534
00:24:29,520 --> 00:24:32,600
Speaker 1: So I spent all of Saturday, like almost since the

535
00:24:32,600 --> 00:24:34,199
Speaker 1: moment I woke up to the moment I went to

536
00:24:34,240 --> 00:24:37,359
Speaker 1: sleep working on all of my numbers for my like

537
00:24:37,359 --> 00:24:41,280
Speaker 1: my entire life. I was like, all right, okay, budgetista business,

538
00:24:41,359 --> 00:24:43,520
Speaker 1: let's work on those numbers. How much are we spending,

539
00:24:43,560 --> 00:24:45,600
Speaker 1: where's it really going? How much are we making? It

540
00:24:45,640 --> 00:24:48,720
Speaker 1: doesn't make sense these decisions. Then I did my new business,

541
00:24:48,800 --> 00:24:51,760
Speaker 1: the Literature Academy, because I actually created that as a

542
00:24:51,800 --> 00:24:55,400
Speaker 1: separate business, like a separate LLC. Do these numbers make sense?

543
00:24:55,560 --> 00:24:57,800
Speaker 1: Who do we have to pay? Let's get this down

544
00:24:57,800 --> 00:24:59,800
Speaker 1: on a spreadsheet, like, let's see what it's gonna look

545
00:24:59,840 --> 00:25:02,400
Speaker 1: like monthly. And then I did my personal budget, which

546
00:25:02,480 --> 00:25:04,440
Speaker 1: was like my most fun because I get to see,

547
00:25:04,560 --> 00:25:06,760
Speaker 1: like and you know what I found, which I was like, wow,

548
00:25:07,280 --> 00:25:09,760
Speaker 1: like I truly am the budgetia because you would not

549
00:25:09,840 --> 00:25:12,040
Speaker 1: believe how much my personal life cost me monthly.

550
00:25:13,280 --> 00:25:13,800
Speaker 2: Very little.

551
00:25:14,080 --> 00:25:16,600
Speaker 1: Yeah, I live really simply. I mean well, I will say,

552
00:25:16,640 --> 00:25:18,359
Speaker 1: because some of you might be listening in another states,

553
00:25:18,359 --> 00:25:20,359
Speaker 1: you might be like that's a lot. But for where

554
00:25:20,359 --> 00:25:23,080
Speaker 1: I live in New Jersey, I my personal life cost

555
00:25:23,160 --> 00:25:25,359
Speaker 1: me a little over eighteen hundred dollars a month that

556
00:25:25,400 --> 00:25:30,120
Speaker 1: includes everything, food, shelter, clothing, like just everything a little

557
00:25:30,119 --> 00:25:34,000
Speaker 1: over eighteen hundred dollars a month as a grown adult woman.

558
00:25:34,760 --> 00:25:37,080
Speaker 1: And so I was like wow, And so it's really

559
00:25:37,080 --> 00:25:40,320
Speaker 1: the business stuff that's like the most costly. And so

560
00:25:40,480 --> 00:25:43,320
Speaker 1: just doing my budget and seeing the numbers and just

561
00:25:43,359 --> 00:25:45,840
Speaker 1: making decisions and saying, like I actually opened up a

562
00:25:45,840 --> 00:25:49,600
Speaker 1: new savings account. I opened up a savings account for

563
00:25:49,680 --> 00:25:53,400
Speaker 1: my godson and my nephew, and it was just nice,

564
00:25:53,440 --> 00:25:54,920
Speaker 1: like to go in and click click click, Like I

565
00:25:54,960 --> 00:25:57,040
Speaker 1: went to Ally. I know, allies like what is happening.

566
00:25:57,080 --> 00:25:59,560
Speaker 1: I was like, click open new one, click open new one.

567
00:26:00,119 --> 00:26:01,840
Speaker 2: You have because I used to do this and I

568
00:26:01,960 --> 00:26:04,000
Speaker 2: stopped doing it as much, but I would open a

569
00:26:04,000 --> 00:26:06,680
Speaker 2: new savings account for each individual goal I had.

570
00:26:06,720 --> 00:26:08,879
Speaker 1: Do you U still do that I do because I

571
00:26:08,920 --> 00:26:10,600
Speaker 1: had to learn, And this is what I believe. I

572
00:26:10,640 --> 00:26:13,359
Speaker 1: think that you should work the way your mind works,

573
00:26:13,480 --> 00:26:16,960
Speaker 1: so especially with your finances, instead of working against yourself.

574
00:26:17,640 --> 00:26:20,399
Speaker 1: Like I know, I'm a very segmented person. I like

575
00:26:20,440 --> 00:26:23,199
Speaker 1: to think of things in categories, and even though for

576
00:26:23,280 --> 00:26:26,280
Speaker 1: some people it's not practical. I have eight accounts. I

577
00:26:26,480 --> 00:26:29,359
Speaker 1: like looking going to ally and seeing like, Okay, I

578
00:26:29,440 --> 00:26:33,000
Speaker 1: have one called Gabe that's my godson, my best friend's son,

579
00:26:33,400 --> 00:26:36,240
Speaker 1: one called Roman that's my nephew. I put fifty bucks

580
00:26:36,280 --> 00:26:38,480
Speaker 1: apiece in each of them. Then I have one called

581
00:26:39,600 --> 00:26:42,359
Speaker 1: taxes because I have to pay taxes quarterly. I have

582
00:26:42,440 --> 00:26:46,120
Speaker 1: one called give because I donate ten percent of my income,

583
00:26:46,480 --> 00:26:49,560
Speaker 1: and then every I used to pick an organization once

584
00:26:49,600 --> 00:26:51,360
Speaker 1: a year. Now I just kind of like pick as

585
00:26:51,359 --> 00:26:53,200
Speaker 1: I go. So you know, if I have like a

586
00:26:53,240 --> 00:26:55,200
Speaker 1: thousand bucks in there, I'm like, oh, you know, does

587
00:26:55,200 --> 00:26:56,960
Speaker 1: this school need books? Let me buy them for them,

588
00:26:57,040 --> 00:27:00,800
Speaker 1: you know. And so I like having those categories because

589
00:27:00,840 --> 00:27:03,080
Speaker 1: it lets me know right away when I look, I

590
00:27:03,200 --> 00:27:05,440
Speaker 1: know what I have and what I don't have. And

591
00:27:05,480 --> 00:27:09,879
Speaker 1: me and Superman have one. It's just called our names

592
00:27:09,920 --> 00:27:13,080
Speaker 1: Superman in Tiffany, I mean his real name, And at

593
00:27:13,119 --> 00:27:14,639
Speaker 1: first it was supposed to be to go on vacation,

594
00:27:15,160 --> 00:27:17,520
Speaker 1: and now it's really to buy our first home after

595
00:27:17,520 --> 00:27:20,159
Speaker 1: we get married. And so it's just nice that you know,

596
00:27:20,200 --> 00:27:23,040
Speaker 1: he gets to see and so I call it my allocations.

597
00:27:23,359 --> 00:27:25,199
Speaker 1: And at first Superman didn't get it, and you know,

598
00:27:25,400 --> 00:27:28,199
Speaker 1: you know, he wasn't really like super financially not that

599
00:27:28,280 --> 00:27:31,240
Speaker 1: he wasn't savvy, he just didn't like it wasn't his thing.

600
00:27:31,640 --> 00:27:33,520
Speaker 1: But the other day I heard him tell his best

601
00:27:33,520 --> 00:27:36,359
Speaker 1: friend downstairs. I was upstairs, No, man, you gotta allocate

602
00:27:36,400 --> 00:27:39,320
Speaker 1: your funds. Look, put ten percent here. I nearly peed

603
00:27:39,359 --> 00:27:42,800
Speaker 1: my pants. I was I almost ran downstairs, and I

604
00:27:42,880 --> 00:27:46,440
Speaker 1: was like, yes, yes, But I was like, Tiffany, get

605
00:27:46,480 --> 00:27:50,119
Speaker 1: yourself together, you know. But I love like knowing that,

606
00:27:50,240 --> 00:27:53,560
Speaker 1: like this part of my I'm influencing him to do

607
00:27:53,600 --> 00:27:55,920
Speaker 1: better with his finances without me being anag. I remember

608
00:27:55,920 --> 00:27:57,280
Speaker 1: we used to talk about that, like how do we

609
00:27:57,320 --> 00:28:00,560
Speaker 1: get them to change? And just like, yeah, so I

610
00:28:00,640 --> 00:28:03,080
Speaker 1: like you. I like my segments and so I worked

611
00:28:03,080 --> 00:28:06,000
Speaker 1: on that all Saturday and I feel so good. Everything

612
00:28:06,080 --> 00:28:07,840
Speaker 1: is automated, all my money is flowing.

613
00:28:08,200 --> 00:28:10,400
Speaker 3: I have my little allowance and.

614
00:28:10,359 --> 00:28:12,560
Speaker 1: It just makes me feel happy and in control.

615
00:28:12,920 --> 00:28:14,800
Speaker 2: Yeah, I've got to sit down and do that, and

616
00:28:14,840 --> 00:28:17,120
Speaker 2: I like, I really enjoy that process too. I love

617
00:28:17,160 --> 00:28:19,840
Speaker 2: paying bills. It feels so nice. Well you know when

618
00:28:19,840 --> 00:28:21,480
Speaker 2: it's not, when you know what it's like to really

619
00:28:21,600 --> 00:28:24,440
Speaker 2: stress about that. Everyone that it feels nice and anyway,

620
00:28:24,480 --> 00:28:25,960
Speaker 2: I in order to get to where I need to

621
00:28:26,000 --> 00:28:27,640
Speaker 2: be for the year. I've gotta I've got to sit

622
00:28:27,680 --> 00:28:31,159
Speaker 2: down and readjust I haven't done that probably in two years,

623
00:28:31,200 --> 00:28:32,760
Speaker 2: and I've been living kind of the same way, and

624
00:28:32,760 --> 00:28:35,000
Speaker 2: I feel like I could use like a readjustment. It's

625
00:28:35,000 --> 00:28:37,680
Speaker 2: like getting my back realigned. It's got to feel amazing.

626
00:28:38,160 --> 00:28:40,040
Speaker 1: And I paint off my my credit card like I've

627
00:28:40,040 --> 00:28:43,320
Speaker 1: had credit card debt since I had I was a

628
00:28:43,400 --> 00:28:46,280
Speaker 1: victim of a credit card scam in my late twenties,

629
00:28:46,640 --> 00:28:49,080
Speaker 1: and then between that and just growing my business and

630
00:28:49,160 --> 00:28:51,520
Speaker 1: I use my credit card a lot, I've had debt forever.

631
00:28:52,000 --> 00:28:54,200
Speaker 1: I wrote like a lump sum check and I was like,

632
00:28:54,240 --> 00:28:56,960
Speaker 1: oh my god, Oh my god, I'm nearly debt free.

633
00:28:57,000 --> 00:28:58,920
Speaker 1: All I have is these stinked student loans. But other

634
00:28:59,000 --> 00:29:01,880
Speaker 1: than that, I don't owe any anything other than student loans.

635
00:29:02,040 --> 00:29:03,480
Speaker 2: That's a great feeling, I know.

636
00:29:03,600 --> 00:29:04,840
Speaker 1: And so I get it to these student loans. If

637
00:29:04,840 --> 00:29:07,320
Speaker 1: when I get it to these student loans, what I

638
00:29:07,360 --> 00:29:09,640
Speaker 1: am going to run naked in my new underwear in

639
00:29:09,680 --> 00:29:10,240
Speaker 1: the streets.

640
00:29:12,960 --> 00:29:15,680
Speaker 2: Yeah, I've been student loan debt free for a while,

641
00:29:15,680 --> 00:29:17,800
Speaker 2: but I had, I mean a lot less than that.

642
00:29:17,840 --> 00:29:19,320
Speaker 2: I didn't go to grad school, so I didn't have

643
00:29:19,360 --> 00:29:23,520
Speaker 2: that grad school debt can weigh you down. That's one

644
00:29:23,520 --> 00:29:25,600
Speaker 2: of the main reasons I haven't gone to grad school.

645
00:29:25,600 --> 00:29:27,360
Speaker 2: I've been kind of toying with the idea, but I

646
00:29:27,400 --> 00:29:28,840
Speaker 2: refuse to do it. If I'm gonna have to take

647
00:29:28,880 --> 00:29:30,760
Speaker 2: out fifty graind in debt, I just can't do it.

648
00:29:31,080 --> 00:29:33,840
Speaker 1: Yeah. My scholarships, Yeah, I was gonna say, somebody will

649
00:29:33,880 --> 00:29:35,520
Speaker 1: pay I was lazy about scholarships.

650
00:29:35,520 --> 00:29:38,400
Speaker 2: Somebody will pay you, yes, I think. And a lot

651
00:29:38,440 --> 00:29:41,280
Speaker 2: of the kids at the school when I was talking

652
00:29:41,280 --> 00:29:43,120
Speaker 2: to them, had, you know, talked about grad school like

653
00:29:43,120 --> 00:29:46,280
Speaker 2: it was a foregone conclusion and I'm like, you can't

654
00:29:46,400 --> 00:29:48,960
Speaker 2: or like it was, you know, they were really emotionally

655
00:29:49,000 --> 00:29:51,880
Speaker 2: tied to the idea of having that degree or studying

656
00:29:51,920 --> 00:29:54,440
Speaker 2: a certain field. And I'm like, you need to like

657
00:29:54,520 --> 00:29:57,719
Speaker 2: remove the emotional aspect of the decisions you make about education,

658
00:29:57,760 --> 00:30:00,200
Speaker 2: because so often those are also financial decisions, and I

659
00:30:00,200 --> 00:30:03,720
Speaker 2: think that people treat them too emotionally, you know, like

660
00:30:03,760 --> 00:30:06,239
Speaker 2: I gotta get that Columbia. Someone I talked to you

661
00:30:06,280 --> 00:30:09,200
Speaker 2: really had to get that Columbia University. She really wanted

662
00:30:09,200 --> 00:30:12,560
Speaker 2: that Columbia University pedigree for grad school. And I'm like,

663
00:30:12,600 --> 00:30:15,560
Speaker 2: but why I don't understand. So you can do so

664
00:30:15,640 --> 00:30:17,720
Speaker 2: much with soap for so much less, you know, closer

665
00:30:17,720 --> 00:30:19,080
Speaker 2: to where you live or a different school.

666
00:30:19,560 --> 00:30:21,360
Speaker 1: So that's funny you should say. So one of my

667
00:30:21,360 --> 00:30:23,120
Speaker 1: my baby coasts, she's not a baby because she's like

668
00:30:23,200 --> 00:30:26,080
Speaker 1: seventeen eighteen. She's super duper smart. I mean, damn near

669
00:30:26,120 --> 00:30:28,960
Speaker 1: perfect SAT scores. I think she's like fifty points away,

670
00:30:28,960 --> 00:30:31,800
Speaker 1: a hundred points away. I mean just always been like

671
00:30:31,840 --> 00:30:34,360
Speaker 1: super smart kids. So she got a full full scholarship

672
00:30:34,760 --> 00:30:40,520
Speaker 1: to Howard University, I mean full housing school books, literally everything,

673
00:30:40,520 --> 00:30:43,040
Speaker 1: they're like, all you have to do is breathe and then.

674
00:30:43,080 --> 00:30:46,680
Speaker 1: But she also got into Harvard and Princeton, and so

675
00:30:47,320 --> 00:30:49,479
Speaker 1: her dad, of course, is like, you know, struggling with

676
00:30:49,880 --> 00:30:52,000
Speaker 1: do we send her to the school that gave her

677
00:30:52,040 --> 00:30:55,000
Speaker 1: like everything, or do we send her to like these

678
00:30:55,080 --> 00:30:57,520
Speaker 1: IVG this Ivy League school which I don't know how

679
00:30:57,600 --> 00:31:01,320
Speaker 1: much money. She'll probably get something, but you know it's

680
00:31:01,360 --> 00:31:03,400
Speaker 1: like the name like, oh, I went to Harvard, and

681
00:31:03,440 --> 00:31:06,440
Speaker 1: I was like, man, send her to Howard, which is

682
00:31:06,480 --> 00:31:08,320
Speaker 1: still a good school.

683
00:31:08,080 --> 00:31:09,240
Speaker 2: And an amazing school.

684
00:31:09,360 --> 00:31:11,920
Speaker 1: Yeah, and you don't have to worry about anything. I said,

685
00:31:12,280 --> 00:31:14,840
Speaker 1: the biggest gift you can give her is that she's

686
00:31:14,880 --> 00:31:17,680
Speaker 1: got a great college education and she doesn't owe anybody

687
00:31:17,720 --> 00:31:20,040
Speaker 1: for it, not even for books. I said, you know,

688
00:31:20,120 --> 00:31:22,680
Speaker 1: Princeton and Harvard and Yale, those places are great. Now

689
00:31:22,680 --> 00:31:25,040
Speaker 1: they're going to give her full rides, then you can, like,

690
00:31:25,320 --> 00:31:27,120
Speaker 1: you know, take a look to see what she really

691
00:31:27,160 --> 00:31:29,000
Speaker 1: wants to do with her life. But if they're not

692
00:31:29,040 --> 00:31:32,720
Speaker 1: giving her any money, do not because she'll owe so much.

693
00:31:33,240 --> 00:31:36,160
Speaker 1: Just to say, I have a you know, a Harvard degree,

694
00:31:36,200 --> 00:31:39,760
Speaker 1: which you know definitely can take you places. But the

695
00:31:39,800 --> 00:31:42,080
Speaker 1: first place is going to take you is.

696
00:31:43,800 --> 00:31:45,880
Speaker 2: I feel like in that case, you could maybe try

697
00:31:45,920 --> 00:31:49,160
Speaker 2: playing the Howard University's offer off on the other incident,

698
00:31:49,280 --> 00:31:52,239
Speaker 2: like the other colleges offers. I mean, it's negotiable. If

699
00:31:52,280 --> 00:31:54,000
Speaker 2: you have a full ride from Howard and you've got

700
00:31:54,080 --> 00:31:59,840
Speaker 2: obviously amazing academic credentials, I think you have the powers

701
00:31:59,840 --> 00:32:02,120
Speaker 2: in your hands. I mean, those universities want you, especially

702
00:32:02,160 --> 00:32:05,400
Speaker 2: if your minority, they want you, and I think there's

703
00:32:05,400 --> 00:32:07,239
Speaker 2: a room for negotiation. I wonder if they'll try that.

704
00:32:07,720 --> 00:32:09,280
Speaker 1: Yeah, I'm gonna well, now that she said it, I'm

705
00:32:09,320 --> 00:32:11,440
Speaker 1: definitely gonna Like I just saw him this weekend and

706
00:32:12,160 --> 00:32:13,920
Speaker 1: we were all hanging out. And it was so crazy

707
00:32:13,960 --> 00:32:16,080
Speaker 1: to hang out with my uncle as an adult because

708
00:32:16,080 --> 00:32:17,920
Speaker 1: I'm like, yo, he's fun. You know. As a kid,

709
00:32:17,960 --> 00:32:19,800
Speaker 1: he was just like he was young when I was

710
00:32:19,800 --> 00:32:21,680
Speaker 1: a kid. He was like in his twenties and so

711
00:32:21,720 --> 00:32:23,560
Speaker 1: he's not that much older than me. But I'm like, yo,

712
00:32:23,680 --> 00:32:26,280
Speaker 1: Uncle Tony is fun. He's not like some old uncle.

713
00:32:26,360 --> 00:32:29,920
Speaker 1: This is a cool uncle. And so yeah, he was

714
00:32:29,960 --> 00:32:31,560
Speaker 1: just sharing that with me. So I'm definitely gonna tell

715
00:32:31,600 --> 00:32:34,720
Speaker 1: him like yo, like definitely negotiates. She's smart, she's right,

716
00:32:34,800 --> 00:32:37,680
Speaker 1: great grades, great kid. You know, she can go anywhere.

717
00:32:38,880 --> 00:32:42,640
Speaker 2: Hm was turned into a tip segment. I know, I

718
00:32:43,600 --> 00:32:46,120
Speaker 2: break segment. We're just gonna call it a day. I'm

719
00:32:46,120 --> 00:32:49,000
Speaker 2: gonna boost. I'm gonna take a brown boost for my

720
00:32:49,280 --> 00:32:52,400
Speaker 2: budgeting and rejigger my budget. Do not be afraid to

721
00:32:52,480 --> 00:32:53,360
Speaker 2: redo your budget.

722
00:32:53,960 --> 00:32:55,120
Speaker 1: What do you call it? Rejigger?

723
00:32:55,320 --> 00:32:59,000
Speaker 2: Rejigger? That's not a real words. Sounds some kind of racist.

724
00:32:59,200 --> 00:33:02,040
Speaker 1: No, it sounds like down southing. That's what I was thinking.

725
00:33:02,040 --> 00:33:03,560
Speaker 1: I'm like, oh, did that come from Atlanta?

726
00:33:03,800 --> 00:33:07,400
Speaker 2: Listen? I have me some planes earlier, I brought them

727
00:33:07,480 --> 00:33:10,280
Speaker 2: some It gets real bad. When I talked to my

728
00:33:10,360 --> 00:33:12,960
Speaker 2: sister though she's so country. I don't know what happened.

729
00:33:13,600 --> 00:33:15,400
Speaker 2: We were raised in the same household, but she just

730
00:33:15,440 --> 00:33:18,239
Speaker 2: went one way and I went the Midwestern way, and

731
00:33:18,280 --> 00:33:20,240
Speaker 2: she is so. But anyway, when I get around her,

732
00:33:20,280 --> 00:33:21,440
Speaker 2: I get real thick in country.

733
00:33:21,640 --> 00:33:23,160
Speaker 1: Really, I want to hear it. I'm like, I just

734
00:33:23,160 --> 00:33:24,800
Speaker 1: got to rejigger my budget real quick.

735
00:33:25,360 --> 00:33:27,160
Speaker 2: Let's go and pour a little bit down there, a

736
00:33:27,240 --> 00:33:27,880
Speaker 2: little bit here.

737
00:33:28,160 --> 00:33:44,600
Speaker 1: Mm hmm. So what about yeah, sits right? Is there

738
00:33:44,640 --> 00:33:46,360
Speaker 1: any anything that stands out that you want to go

739
00:33:46,400 --> 00:33:48,479
Speaker 1: over quickly? A question someone sent to us.

740
00:33:48,720 --> 00:33:51,000
Speaker 2: Yes, we have a well, this isn't a clear and

741
00:33:51,080 --> 00:33:53,880
Speaker 2: cut tip question, but I wanted to share it because

742
00:33:53,880 --> 00:33:55,840
Speaker 2: I've been I've been keeping it in my back pocket

743
00:33:55,840 --> 00:33:58,320
Speaker 2: for a while. This is a question from someone who

744
00:33:58,400 --> 00:34:02,840
Speaker 2: wants to remain anonymous, and it's a young woman. She says,

745
00:34:02,880 --> 00:34:05,240
Speaker 2: I'm hoping you'll be able to give me a nugget

746
00:34:05,280 --> 00:34:09,719
Speaker 2: on competence. Since I haven't completed my higher education, I'm

747
00:34:09,760 --> 00:34:14,240
Speaker 2: sixty hours away. I've internalized that as a roadblock. However,

748
00:34:14,280 --> 00:34:17,799
Speaker 2: I was just recently hired as a research analyst. This

749
00:34:17,880 --> 00:34:20,359
Speaker 2: position requires a bachelor's so I think it's been a

750
00:34:20,400 --> 00:34:23,160
Speaker 2: mistake and at some point they will find me out

751
00:34:23,239 --> 00:34:25,719
Speaker 2: quote unquote. However, on the other hand, I can so

752
00:34:25,880 --> 00:34:28,920
Speaker 2: clearly do the work and have some transferable experience. So

753
00:34:28,960 --> 00:34:31,160
Speaker 2: there's something in me that's pushing me to seize the

754
00:34:31,200 --> 00:34:34,280
Speaker 2: moment and go for more, to ask to be promoted

755
00:34:34,320 --> 00:34:37,400
Speaker 2: to a project manager. My peers respect me and address

756
00:34:37,440 --> 00:34:39,399
Speaker 2: me as if I have some sort of leadership role,

757
00:34:39,520 --> 00:34:42,040
Speaker 2: and I've been very careful to display nothing less than

758
00:34:42,080 --> 00:34:45,280
Speaker 2: a very professional image. I'm now just hoping to stay

759
00:34:45,280 --> 00:34:47,840
Speaker 2: focused on the reality of me not having a degree,

760
00:34:48,400 --> 00:34:51,200
Speaker 2: but the possibility of becoming way more than I could

761
00:34:51,200 --> 00:34:53,960
Speaker 2: have ever imagined. Do you have some sort of wisdom

762
00:34:54,080 --> 00:34:57,680
Speaker 2: that you can that you can share about not having

763
00:34:57,680 --> 00:34:59,880
Speaker 2: the confidence you need to push forward and ask.

764
00:34:59,680 --> 00:35:03,440
Speaker 1: For mo hmm, this is a good one.

765
00:35:03,920 --> 00:35:05,960
Speaker 2: I think this is all about the feeling that a

766
00:35:05,960 --> 00:35:09,120
Speaker 2: lot of people have, which is the imposter syndrome. Yes,

767
00:35:09,239 --> 00:35:10,920
Speaker 2: you know what I mean, where you feel like I

768
00:35:11,239 --> 00:35:12,680
Speaker 2: feel like it's a lot. You know, when I was

769
00:35:12,760 --> 00:35:15,120
Speaker 2: hired my first few jobs and like they're paying me

770
00:35:15,120 --> 00:35:18,200
Speaker 2: this much? Do they know that I'm not? Yeah, problem

771
00:35:18,239 --> 00:35:21,520
Speaker 2: to take it? Like, you know what I mean. I

772
00:35:21,520 --> 00:35:23,800
Speaker 2: think a lot of people go through this, especially women,

773
00:35:24,360 --> 00:35:26,680
Speaker 2: and it can really it can prevent us from raising

774
00:35:26,680 --> 00:35:29,319
Speaker 2: our hands, like she says, for an opportunity, because you

775
00:35:29,320 --> 00:35:30,520
Speaker 2: feel like you're not cut out for it.

776
00:35:31,480 --> 00:35:34,319
Speaker 1: I'll say, like, honestly, I mean, like you said, man,

777
00:35:34,400 --> 00:35:37,080
Speaker 1: I think so many, especially women, I mean, and maybe

778
00:35:37,120 --> 00:35:39,680
Speaker 1: guys feel this way too, but it's just they're better

779
00:35:39,760 --> 00:35:43,760
Speaker 1: at hiding it. But I certainly when I first first

780
00:35:43,760 --> 00:35:47,239
Speaker 1: started doing when I first first started my business, I

781
00:35:47,320 --> 00:35:51,000
Speaker 1: felt like the biggest imposter because I'd gone to school

782
00:35:51,400 --> 00:35:54,600
Speaker 1: for marketing and I was a preschool teacher and here

783
00:35:54,640 --> 00:35:58,040
Speaker 1: I am teaching people basic financial education, and I kept

784
00:35:58,040 --> 00:36:01,120
Speaker 1: making it a point to like re rate, like so

785
00:36:01,280 --> 00:36:04,200
Speaker 1: I'm only a school teacher, but I am good at

786
00:36:04,200 --> 00:36:07,279
Speaker 1: budgeting because I learned at home. But I'm only like

787
00:36:07,400 --> 00:36:10,759
Speaker 1: really stressing the less, you know, because I felt like

788
00:36:11,200 --> 00:36:12,640
Speaker 1: I don't want to trick people. I don't want them

789
00:36:12,640 --> 00:36:16,120
Speaker 1: to think that I'm like this like you know, investment guru,

790
00:36:16,239 --> 00:36:19,040
Speaker 1: even though nowhere on my website or anything ever said that.

791
00:36:19,480 --> 00:36:22,600
Speaker 1: But I felt like an imposter, like why are people

792
00:36:22,640 --> 00:36:26,239
Speaker 1: listening to me? They should not? Even I remember Prudential

793
00:36:26,360 --> 00:36:29,280
Speaker 1: hired me the first people that ever flew me somewhere.

794
00:36:29,280 --> 00:36:32,560
Speaker 1: They flew me to Houston to speak on a panel

795
00:36:32,600 --> 00:36:35,560
Speaker 1: at Megafest, and which was huge. I didn't even know

796
00:36:35,600 --> 00:36:37,400
Speaker 1: what Megafest was, so I googled it and I was

797
00:36:37,480 --> 00:36:41,439
Speaker 1: like whoa. And I remember literally calling the rep and saying, so, yeah,

798
00:36:41,440 --> 00:36:45,920
Speaker 1: here's the thing I'm only And I told her, I'm like,

799
00:36:45,960 --> 00:36:48,640
Speaker 1: you know, I'm not a certified financial advisor. This is

800
00:36:48,800 --> 00:36:50,800
Speaker 1: She said, Tiffany, we know it says it on your website.

801
00:36:50,880 --> 00:36:53,000
Speaker 1: I'm like, I know, but I just I'm not sure

802
00:36:53,080 --> 00:36:55,360
Speaker 1: that maybe you have the wrong person. She was like, Tiffany,

803
00:36:55,480 --> 00:36:58,120
Speaker 1: you think Prudential doesn't do is due diligence. We're like

804
00:36:58,160 --> 00:37:00,200
Speaker 1: a billion dollar organization. You think that we have not

805
00:37:00,560 --> 00:37:03,200
Speaker 1: researched and made sure that you are everything that you

806
00:37:03,239 --> 00:37:06,320
Speaker 1: said that you are. We're choosing you because we want

807
00:37:06,680 --> 00:37:10,360
Speaker 1: someone who has this education background, that talks like in

808
00:37:10,600 --> 00:37:15,719
Speaker 1: plain simple English, and that can share like some usable

809
00:37:15,960 --> 00:37:18,440
Speaker 1: daily financial tips that people can do. We're not looking

810
00:37:18,440 --> 00:37:20,520
Speaker 1: for we already have a financial educator on the panel,

811
00:37:20,560 --> 00:37:22,400
Speaker 1: I mean a financial advisor.

812
00:37:22,000 --> 00:37:22,520
Speaker 2: On the panel.

813
00:37:23,080 --> 00:37:26,760
Speaker 1: And I was like, oh okay. And so the only

814
00:37:26,800 --> 00:37:29,640
Speaker 1: thing that helped me gain the confidence was to continue

815
00:37:29,640 --> 00:37:31,680
Speaker 1: to do the work and to do a good job.

816
00:37:32,280 --> 00:37:34,839
Speaker 1: Like it didn't just come overnight. It was just I

817
00:37:34,920 --> 00:37:37,279
Speaker 1: just kept doing the work. I was always honest and

818
00:37:37,320 --> 00:37:40,319
Speaker 1: transparent and you know, and doing a good job. And

819
00:37:40,600 --> 00:37:42,719
Speaker 1: as I continue to do a good job, I was

820
00:37:42,760 --> 00:37:45,160
Speaker 1: able to kind of say, Tiffany, you're doing a good job, Like,

821
00:37:45,239 --> 00:37:47,000
Speaker 1: regardless of the fact that you don't have a degree

822
00:37:47,040 --> 00:37:49,479
Speaker 1: in this or whatever, you're doing a good job because

823
00:37:49,480 --> 00:37:51,560
Speaker 1: you put the work in. And so I don't know

824
00:37:51,600 --> 00:37:54,520
Speaker 1: that there's any magic wand to tell her, you know,

825
00:37:54,719 --> 00:37:59,560
Speaker 1: anonymous other than when you do good work. That in

826
00:37:59,600 --> 00:38:03,120
Speaker 1: itself kind of helped for me anyway to boost my confidence.

827
00:38:03,640 --> 00:38:07,080
Speaker 1: And you know, now I still have moments, of course

828
00:38:07,120 --> 00:38:09,799
Speaker 1: of self doubt, but not nearly what I had when

829
00:38:09,800 --> 00:38:10,520
Speaker 1: I first started.

830
00:38:11,480 --> 00:38:14,080
Speaker 2: I think that I think that her confidence will grow

831
00:38:14,120 --> 00:38:16,520
Speaker 2: with time. But I feel like, I mean, realistically speaking,

832
00:38:16,560 --> 00:38:19,080
Speaker 2: it is a lot tougher to move up without a

833
00:38:19,080 --> 00:38:22,520
Speaker 2: bachelor's degree today. I mean, countless research has shown that.

834
00:38:23,200 --> 00:38:25,319
Speaker 2: But she's in a unique position in which she's been

835
00:38:25,360 --> 00:38:29,440
Speaker 2: able to get into a position where she can move

836
00:38:29,560 --> 00:38:33,120
Speaker 2: up without having that experience. And I would say, so

837
00:38:33,160 --> 00:38:37,200
Speaker 2: long as nobody's complaining about it, keep moving forward as

838
00:38:37,280 --> 00:38:39,040
Speaker 2: much as you can. I don't think it's worth you

839
00:38:39,200 --> 00:38:41,880
Speaker 2: worth giving up this job opportunity to go back to school,

840
00:38:42,320 --> 00:38:45,480
Speaker 2: especially if that means, you know, taking on more debt,

841
00:38:46,120 --> 00:38:47,759
Speaker 2: you know, with the idea that maybe when you get

842
00:38:47,760 --> 00:38:50,640
Speaker 2: out you will, you know, get you'll have the experience

843
00:38:50,640 --> 00:38:53,160
Speaker 2: to be that project manager. Meanwhile, you've given up two

844
00:38:53,239 --> 00:38:57,040
Speaker 2: years of work experience to, you know, to finish your degree.

845
00:38:57,239 --> 00:38:59,640
Speaker 2: I think that when you're in a comfortable position you

846
00:38:59,680 --> 00:39:02,160
Speaker 2: and you find somebody in the company, I would ask them,

847
00:39:02,200 --> 00:39:05,360
Speaker 2: maybe ask someone from HR, or ask someone else in

848
00:39:05,400 --> 00:39:08,279
Speaker 2: the company in a similar role, and say, do you

849
00:39:08,320 --> 00:39:13,160
Speaker 2: think this will be an issue for me to move up? Otherwise,

850
00:39:13,200 --> 00:39:16,160
Speaker 2: maybe just raise your hand and don't ask any questions

851
00:39:16,640 --> 00:39:18,400
Speaker 2: and see if they'll, you know, they'll bring it up.

852
00:39:18,560 --> 00:39:21,440
Speaker 2: Chances are they have your resume, they know your work experience,

853
00:39:21,440 --> 00:39:23,400
Speaker 2: and they're impressed by it, and they're not thinking so

854
00:39:23,480 --> 00:39:26,719
Speaker 2: much about your college experience. I think as we move

855
00:39:26,800 --> 00:39:28,920
Speaker 2: up in your career, it's less and less about what

856
00:39:29,000 --> 00:39:31,400
Speaker 2: you studied or where you studied. It then whether or

857
00:39:31,440 --> 00:39:33,160
Speaker 2: not you can do the work and you have the skills,

858
00:39:33,200 --> 00:39:35,360
Speaker 2: and clearly you do, and I think that you should

859
00:39:35,400 --> 00:39:36,600
Speaker 2: be more confident about that.

860
00:39:37,560 --> 00:39:39,520
Speaker 1: I would say, though, like, you know, go ahead and

861
00:39:39,560 --> 00:39:41,719
Speaker 1: finish your degree, because I have known people who have

862
00:39:41,920 --> 00:39:44,600
Speaker 1: moved up in higher ranks in one company because of

863
00:39:44,640 --> 00:39:48,200
Speaker 1: their skill set, but they weren't able. They wanted to

864
00:39:48,239 --> 00:39:51,239
Speaker 1: go and go work for another company, but because the

865
00:39:51,239 --> 00:39:54,760
Speaker 1: other company didn't necessarily know them and know their work,

866
00:39:54,960 --> 00:39:58,800
Speaker 1: and so that that's when the degree became an issue. Like, oh,

867
00:39:58,840 --> 00:40:00,720
Speaker 1: you want to come here and you want to be VP. Yeah,

868
00:40:00,840 --> 00:40:03,000
Speaker 1: I know you're a VP over there, but you don't

869
00:40:03,000 --> 00:40:04,360
Speaker 1: have your master's here, you know.

870
00:40:05,000 --> 00:40:07,840
Speaker 2: So it's one of those like getting your name on

871
00:40:07,880 --> 00:40:09,680
Speaker 2: the top of the pile, you have to you have

872
00:40:09,719 --> 00:40:12,760
Speaker 2: to tick off the first few boxes first exactly.

873
00:40:12,880 --> 00:40:14,520
Speaker 1: So you know, I definitely like, you know, if you're

874
00:40:14,560 --> 00:40:16,960
Speaker 1: if you're I'm assuming that you're continuing to work on

875
00:40:17,000 --> 00:40:20,040
Speaker 1: your degree. So yeah, I say finish and you know,

876
00:40:20,280 --> 00:40:22,960
Speaker 1: put the work in and with time and she start

877
00:40:23,000 --> 00:40:25,279
Speaker 1: to you know, you'll start to hopefully, So I have

878
00:40:25,320 --> 00:40:27,000
Speaker 1: to believe in yourself as you start to do good

879
00:40:27,000 --> 00:40:28,959
Speaker 1: work or continue to do good work.

880
00:40:29,320 --> 00:40:32,280
Speaker 2: It would be really nice if your current employer offered

881
00:40:32,280 --> 00:40:36,120
Speaker 2: some sort of tuition reimbursement. Yeah, if you haven't asked,

882
00:40:36,200 --> 00:40:38,919
Speaker 2: or if you if they do offer it, take full

883
00:40:38,960 --> 00:40:41,200
Speaker 2: advantage of that. I think anybody who has that option

884
00:40:41,280 --> 00:40:44,120
Speaker 2: at their jobs, if you have a little money that

885
00:40:44,160 --> 00:40:46,080
Speaker 2: you that they'll pay you to go to school and

886
00:40:46,080 --> 00:40:48,680
Speaker 2: in further education, do it. I mean, that's an investment

887
00:40:48,719 --> 00:40:50,560
Speaker 2: directly in yourself and you can take that with you

888
00:40:50,600 --> 00:40:53,799
Speaker 2: to the next job, and that's no questions asked. Most

889
00:40:53,840 --> 00:40:55,560
Speaker 2: of the time, they don't like make you stay there

890
00:40:55,600 --> 00:40:56,800
Speaker 2: for several years afterward.

891
00:40:57,360 --> 00:41:00,239
Speaker 1: Xat. My sister did that and she's like, man like

892
00:41:00,280 --> 00:41:03,279
Speaker 1: the best she has her MBA, you know, courtesy of

893
00:41:03,320 --> 00:41:06,120
Speaker 1: her last position, and then she left. I mean that's

894
00:41:06,120 --> 00:41:08,400
Speaker 1: not why she let she you know, she wasn't like, hey, suckers,

895
00:41:08,400 --> 00:41:12,360
Speaker 1: thank you, you know, but it definitely was great to say, like,

896
00:41:12,400 --> 00:41:14,319
Speaker 1: I don't even think she owns any student loans because

897
00:41:14,320 --> 00:41:16,840
Speaker 1: she had paid off her undergrad and she her graduate

898
00:41:16,840 --> 00:41:19,760
Speaker 1: school student loans are gone. So it's a great feeling

899
00:41:19,800 --> 00:41:21,800
Speaker 1: you have to have those dagon student loans.

900
00:41:22,360 --> 00:41:24,400
Speaker 2: Yeah, and it can weigh on you, I think personally,

901
00:41:24,440 --> 00:41:27,360
Speaker 2: if it's something that you feel really embarrassed by or

902
00:41:27,400 --> 00:41:31,040
Speaker 2: you feel like you're disappointed in yourself for not finishing,

903
00:41:31,120 --> 00:41:33,040
Speaker 2: then I mean that's I think it's worth it to

904
00:41:33,200 --> 00:41:35,120
Speaker 2: finish that so you can be really proud of yourself.

905
00:41:37,239 --> 00:41:48,000
Speaker 3: So good luck, Yeah, good luck Anonymous.

906
00:41:49,800 --> 00:41:52,000
Speaker 2: All right, moving on to wins Man when.

907
00:41:52,880 --> 00:41:54,680
Speaker 1: So this was the oldie but a goodie. We kind

908
00:41:54,680 --> 00:41:57,600
Speaker 1: of talked about her before. Marley she had the movement

909
00:41:58,640 --> 00:42:03,400
Speaker 1: Thousand Black Girls Books, and she just got Forbes just

910
00:42:03,440 --> 00:42:06,799
Speaker 1: did this really great article about her where they kind

911
00:42:06,800 --> 00:42:10,000
Speaker 1: of went into like, really I think fully explaining why

912
00:42:11,120 --> 00:42:14,040
Speaker 1: black girl books are important for black young women, and

913
00:42:14,080 --> 00:42:16,080
Speaker 1: you know, why she started this movement. I know, we've

914
00:42:16,120 --> 00:42:17,719
Speaker 1: seen her on Ellen and all these other things, and

915
00:42:17,760 --> 00:42:19,560
Speaker 1: it's so crazy because I actually know her mother really

916
00:42:19,560 --> 00:42:22,680
Speaker 1: well and I volunteer for their organization like for the

917
00:42:22,760 --> 00:42:24,920
Speaker 1: last few years, so just to kind of see her

918
00:42:25,000 --> 00:42:26,680
Speaker 1: all over the place, it's kind of surreal. I'm like

919
00:42:26,719 --> 00:42:29,759
Speaker 1: Marley really from down the streets. But so yeah, So

920
00:42:29,800 --> 00:42:31,440
Speaker 1: if you don't get it, didn't get a chance, you

921
00:42:31,440 --> 00:42:34,120
Speaker 1: should definitely read the Forbes article. It's on our Brown

922
00:42:34,160 --> 00:42:38,000
Speaker 1: Ambition page on Facebook. You can just click on it

923
00:42:38,760 --> 00:42:40,560
Speaker 1: and you just kind of get a better understanding of

924
00:42:40,640 --> 00:42:44,040
Speaker 1: like why it's so essential for young women to see

925
00:42:44,080 --> 00:42:46,520
Speaker 1: themselves in the things that they read. And experience and

926
00:42:46,560 --> 00:42:49,600
Speaker 1: how that can really shape and transform lives. And so

927
00:42:50,040 --> 00:42:52,080
Speaker 1: that's kind of my when Marley's still killing it in

928
00:42:52,120 --> 00:42:54,239
Speaker 1: these streets A thousand Black Girl books.

929
00:42:55,400 --> 00:42:56,960
Speaker 2: Well, I want to do a shout out for a

930
00:42:56,960 --> 00:42:58,480
Speaker 2: friend of mine. I'm not going to share her name

931
00:42:58,480 --> 00:43:00,600
Speaker 2: because I didn't ask for permission to put them to

932
00:43:00,640 --> 00:43:03,160
Speaker 2: put her business out there on the podcast, But this

933
00:43:03,239 --> 00:43:04,960
Speaker 2: is a friend of mine who I worked with, and

934
00:43:05,000 --> 00:43:09,560
Speaker 2: she was recently let go from her job, and within

935
00:43:09,640 --> 00:43:12,680
Speaker 2: two weeks she managed to score an even better gig

936
00:43:12,840 --> 00:43:16,640
Speaker 2: at a very big national magazine in New York, based

937
00:43:16,640 --> 00:43:18,320
Speaker 2: in New York, and I wanted to give her a

938
00:43:18,360 --> 00:43:21,560
Speaker 2: shout out because I feel like so often people are afraid.

939
00:43:21,560 --> 00:43:24,239
Speaker 2: And this is really fresh for me because a lot

940
00:43:24,239 --> 00:43:27,080
Speaker 2: of the kids I talked to at UGA last week

941
00:43:27,440 --> 00:43:28,960
Speaker 2: wanted to hear about what I did when I was

942
00:43:29,040 --> 00:43:31,440
Speaker 2: laid off my very first job in New York, and

943
00:43:31,840 --> 00:43:35,240
Speaker 2: I really wanted to express them that layoffs happen, especially

944
00:43:35,239 --> 00:43:37,680
Speaker 2: when you're in you know, working for other people besides

945
00:43:38,080 --> 00:43:41,040
Speaker 2: you know yourself, and it's a it's a reality, and

946
00:43:41,080 --> 00:43:44,279
Speaker 2: I feel like it's really important to keep that in mind,

947
00:43:44,280 --> 00:43:46,280
Speaker 2: that they can happen. But then to prepare for the worst.

948
00:43:46,400 --> 00:43:47,960
Speaker 2: I mean the same way that I save up, or

949
00:43:48,000 --> 00:43:51,320
Speaker 2: you should save up for emergencies. You should be working

950
00:43:51,320 --> 00:43:54,560
Speaker 2: your contacts, you should be saving your emails. You should

951
00:43:54,600 --> 00:43:57,440
Speaker 2: be leaving a trail of happiness wherever you work, so

952
00:43:57,480 --> 00:43:59,399
Speaker 2: that when you're in need of a job, you could

953
00:43:59,400 --> 00:44:01,560
Speaker 2: reach out to those contacts and people will lift you

954
00:44:01,640 --> 00:44:04,200
Speaker 2: up and help you move on to the next phase

955
00:44:04,320 --> 00:44:07,680
Speaker 2: as quickly as possible. And I'm not saying that anyone

956
00:44:07,680 --> 00:44:10,000
Speaker 2: who's ever been laid off and really struggled to find work,

957
00:44:10,000 --> 00:44:13,120
Speaker 2: because I've been that person before, especially when you're early

958
00:44:13,160 --> 00:44:15,360
Speaker 2: in your career, you don't have any don't have many contacts.

959
00:44:15,360 --> 00:44:18,400
Speaker 2: I'm not saying that you are not working hard or

960
00:44:18,480 --> 00:44:23,279
Speaker 2: worthy of finding something. I'm just saying that people who

961
00:44:23,400 --> 00:44:27,000
Speaker 2: pay close attention to their to the bridges they cross

962
00:44:27,160 --> 00:44:30,319
Speaker 2: along the way and don't burn them down, it's so

963
00:44:30,400 --> 00:44:33,200
Speaker 2: much easier for you to get back on your feet,

964
00:44:33,360 --> 00:44:35,680
Speaker 2: and it's so possible. And I was really inspired by

965
00:44:35,719 --> 00:44:37,920
Speaker 2: how quickly she bounced back.

966
00:44:38,520 --> 00:44:40,799
Speaker 1: Yeah, and that's great, but like you said, sometimes, like

967
00:44:41,400 --> 00:44:44,280
Speaker 1: I've had like friends of mine bounce back really quickly

968
00:44:44,320 --> 00:44:46,880
Speaker 1: and then the next time not as quickly, And sometimes

969
00:44:46,880 --> 00:44:48,600
Speaker 1: I just think that, you know, there's such a such

970
00:44:48,600 --> 00:44:51,120
Speaker 1: a flow to life, so sometimes you're not supposed to

971
00:44:51,120 --> 00:44:53,080
Speaker 1: bounce back as quickly because there's something you're supposed to

972
00:44:53,160 --> 00:44:55,960
Speaker 1: do in the meantime. Maybe you know, I don't know,

973
00:44:56,080 --> 00:44:58,560
Speaker 1: maybe you need a break because you've been going too

974
00:44:58,640 --> 00:45:01,200
Speaker 1: hard and your body's like, actually we need a break.

975
00:45:01,239 --> 00:45:02,759
Speaker 1: So you're not going to get a job right now,

976
00:45:03,320 --> 00:45:06,680
Speaker 1: or maybe you have to really ask yourself. I'm chasing

977
00:45:06,719 --> 00:45:09,200
Speaker 1: after a position, but it's just what I really want.

978
00:45:09,239 --> 00:45:11,600
Speaker 1: Have I taken a step back and ask myself what

979
00:45:11,680 --> 00:45:14,480
Speaker 1: is it that I desire? So there's always reasons for

980
00:45:14,800 --> 00:45:17,360
Speaker 1: not necessarily getting a job right away. But congrats to

981
00:45:17,400 --> 00:45:19,880
Speaker 1: your friends, because that's awesome. Especially if you're let go.

982
00:45:20,360 --> 00:45:23,480
Speaker 1: It's like, oh thanks, because I'm living a doper life

983
00:45:23,520 --> 00:45:27,240
Speaker 1: living le Vita Loca. And some people.

984
00:45:27,400 --> 00:45:29,640
Speaker 2: They some people and I've seen this happen. They get

985
00:45:29,719 --> 00:45:33,279
Speaker 2: real they so much with their identity is steeped and

986
00:45:33,320 --> 00:45:35,680
Speaker 2: where they work and you know where they hang your

987
00:45:35,680 --> 00:45:38,319
Speaker 2: hat at work every day. And I feel like if

988
00:45:38,320 --> 00:45:42,120
Speaker 2: you have your in your real value system set where

989
00:45:42,120 --> 00:45:45,879
Speaker 2: you're valuing things that are within your control that matter

990
00:45:45,920 --> 00:45:47,640
Speaker 2: a lot to you like family, and you know where

991
00:45:47,680 --> 00:45:49,680
Speaker 2: you're putting your money and the things you do with

992
00:45:49,719 --> 00:45:52,880
Speaker 2: your free time, and you're really happy and feeling confident

993
00:45:52,920 --> 00:45:55,319
Speaker 2: in that part of your life. Jobs come and go,

994
00:45:55,480 --> 00:45:59,680
Speaker 2: you know, companies have bottom lines, Companies have businesses, and

995
00:45:59,719 --> 00:46:02,719
Speaker 2: share holders and other people who you know have higher

996
00:46:02,760 --> 00:46:05,840
Speaker 2: priority than you sometime, and that's just a reality. And

997
00:46:05,880 --> 00:46:09,040
Speaker 2: I think we should all be like, have a good

998
00:46:09,080 --> 00:46:11,640
Speaker 2: perspective on that and then know what really counts, which

999
00:46:11,640 --> 00:46:13,479
Speaker 2: is usually you know, not the nine to five.

1000
00:46:17,200 --> 00:46:19,000
Speaker 1: Ah, that's the showman.

1001
00:46:20,360 --> 00:46:24,080
Speaker 2: Another episode of Brown Ambition under in the in the can.

1002
00:46:24,120 --> 00:46:26,440
Speaker 2: What's the expression? Sometimes I feel like I'm like a

1003
00:46:26,520 --> 00:46:27,600
Speaker 2: foreign exchange student.

1004
00:46:27,600 --> 00:46:33,040
Speaker 1: I got you something. My dad, Oh my gosh, he'll

1005
00:46:33,080 --> 00:46:35,520
Speaker 1: just say stuff. We're like, what do you say? He'll

1006
00:46:35,520 --> 00:46:38,160
Speaker 1: say something like don't put me on that space book.

1007
00:46:38,200 --> 00:46:41,120
Speaker 1: You're like daddy Facebook, you know, or like I remember,

1008
00:46:41,200 --> 00:46:42,920
Speaker 1: like when Biggie Smalls is out, he said, you and

1009
00:46:43,000 --> 00:46:45,400
Speaker 1: this Biggie g you love him too much. I'm like

1010
00:46:45,600 --> 00:46:49,399
Speaker 1: big yes, and so like he used to always mess

1011
00:46:49,480 --> 00:46:51,279
Speaker 1: up saying that. We used to think because my dad

1012
00:46:51,320 --> 00:46:54,080
Speaker 1: is he's born and raised in Nigeria, so American sayings

1013
00:46:54,080 --> 00:46:56,800
Speaker 1: are not obviously something that they say in Nigeria too often,

1014
00:46:57,200 --> 00:46:58,879
Speaker 1: so we need be like, what is he trying to say?

1015
00:46:59,200 --> 00:47:01,439
Speaker 1: He might say like instead of like like a moth

1016
00:47:01,480 --> 00:47:04,280
Speaker 1: to a flame, he may be like like a moss

1017
00:47:04,320 --> 00:47:07,479
Speaker 1: flying around. You're always drawn to these things. You're like, Daddy,

1018
00:47:07,520 --> 00:47:12,160
Speaker 1: that's what I was like. Oh, I aspired to be

1019
00:47:12,200 --> 00:47:50,560
Speaker 1: like that one day