Speaker 1: Mandra, Do you know what I need? I need to
Speaker 1: walk in these streets in my BA swag. You know
Speaker 1: what I'm really looking forward to? First of all, be
Speaker 1: your own Brown Boost. What an awesome phrase. I cannot
Speaker 1: wait to wear that on my chest like Superman. And
Speaker 1: what I'm really excited for, though, is I am a
Speaker 1: sweatshirt and like hoodie girl. So the classic Brown Ambition
Speaker 1: logo sweatshirt has my name all over it.
Speaker 2: But where can I go? Where can I find it?
Speaker 3: I was hoping you would ask Young Tiffany. Tiffany, get
Speaker 3: your Brown Ambition swag at Brown Ambitionstore dot com. Five
Speaker 3: years in the game, we finally have merch for you guys.
Speaker 3: So get your Brown Ambition hoodie, your Brown Ambition crew
Speaker 3: neck tea, get a onesie for your littles. We got
Speaker 3: toddler teas. Oh my goodness, there's something for everyone. Be
Speaker 3: your own Brown Boost T shirt for sure. We have
Speaker 3: a Brown Ambition mug, which my family is most excited about.
Speaker 3: I had to do the fifteen out size for my
Speaker 3: big sister because she drinks coffee Like nobody's business.
Speaker 2: Oh you know, I'm the budget nesh to write any
Speaker 2: special offer.
Speaker 3: I'm also very glad you asked that question, Tiffany. Yes,
Speaker 3: with Brown Ambition fifteen, that's promo code Brown Ambition fifteen
Speaker 3: all one word, you can get fifteen percent off your
Speaker 3: order at Brown ambitionstore dot com.
Speaker 1: I can't wait to see y'all in these BA streets
Speaker 1: repping bapam with your BA swag.
Speaker 2: Ho ho ho wait? Is that too early? Hey? Hey?
Speaker 3: I mean I'm not mad at it. I am in
Speaker 3: full holiday mode.
Speaker 1: We deserve because we're back, we're black, we're Brown Ambition.
Speaker 1: But yeah, I'm not gonna lie. If I wasn't so lazy,
Speaker 1: I would have had my tree apart ready because I
Speaker 1: just feel like we deserve.
Speaker 2: We deserve.
Speaker 3: We deserve all of fa la la la las and
Speaker 3: the decking the halls. However, you deck your halls if
Speaker 3: you're not into Christmas, if you're a Hanka family, Kwan's
Speaker 3: a family, or just whatever non denominational celebration family, this
Speaker 3: time is always so magical. Yeah, people are figuring out,
Speaker 3: trying to figure out how they're going to celebrate the
Speaker 3: pandemic holiday season, which is sad. But I'm just trying,
Speaker 3: like my mom has been, you know, she's been in
Speaker 3: her feeling she's been having a little pity party. If
Speaker 3: she's listening, Mom, this is fair. She looks, you know,
Speaker 3: because she's missing not only Thanksgiving, but it's Rio's first
Speaker 3: birthday on Thanksgiving this week, and I'm just trying to
Speaker 3: be like, look, we have to like make the most
Speaker 3: of it. I'm trying to figure out how to do
Speaker 3: a virtual birthday extravaganza where there's like activities, and maybe
Speaker 3: I'm like trying to do too much. I just want
Speaker 3: folks to feel to still have an experience and not
Speaker 3: be like so sad.
Speaker 1: I know, and I thought, like for a moment, my
Speaker 1: mom is she's avkia of nurse. I said, Mommy, you
Speaker 1: know you guys are going to come over for Thanksgiving.
Speaker 1: Will keep it really small, just like I couldn't even finish.
Speaker 1: She's like no, I said nope.
Speaker 2: I was like nope.
Speaker 1: She think my dad doesn't listen to podcasts, so I
Speaker 1: can spills a little shade. She's like, why don't you
Speaker 1: ask your dad? He likes gallivanting around when there's a pandemic.
Speaker 3: About it, don't All the older men in our lives
Speaker 3: love love a good grocery store trip in.
Speaker 2: The middle of the day, just the gallivants.
Speaker 1: I was like, well she you know, She's like, honestly,
Speaker 1: it's serious business.
Speaker 2: You know. She's like, I'm in my sixties, your dad
Speaker 2: is in his seventies. It's just not safe.
Speaker 1: And I'm like, you know what, She's right, So we're
Speaker 1: honestly not It's just going to be who's here. My
Speaker 1: sister Carol that lives up the street with the two kids,
Speaker 1: and my sister Lisa Superman family, they all are like, nope,
Speaker 1: We're going to be in our own houses. So yeah,
Speaker 1: it's this will be the smallest Thanksgiving I've ever celebrated.
Speaker 1: And still I'm not cooking already. It's so crazy. I
Speaker 1: call Vonda, who does like all of the because looking
Speaker 1: for my major holidays. I didn't even I just said, hey, banda,
Speaker 1: she said, got you for Thanksgiving? I said, okay, bye girl.
Speaker 1: She already bless her yes, cause my husband asked, he said,
Speaker 1: you gotta cook. I was like, do you want to
Speaker 1: have a good Thanksgiving or not?
Speaker 3: I love Thanksgiving cooking. Oh but that's amazing. Listen, you
Speaker 3: do your thing if that because like I can, that
Speaker 3: also sounds amazing. Just to have the food show up
Speaker 3: and you're like in your cozy socks and out whatever
Speaker 3: you're gonna wear.
Speaker 1: And if I was a good cook, honestly, I would
Speaker 1: be like, you know what, I'm going to spend the time,
Speaker 1: But is that what we're doing?
Speaker 2: You want my cooking for thanks?
Speaker 1: Again, I'm not the worst, but I could give you
Speaker 1: a good salmon you know, pallet sandwich. Meanwhile, just the
Speaker 1: salmon burger that you know you get from Trader Joe's
Speaker 1: that those.
Speaker 3: Are good, Those are good, real talk. If they want
Speaker 3: to respond to the show, I would. I would wax
Speaker 3: poetic about their salmon burgers for a very long time. Yeah,
Speaker 3: I have a whole I took this week off of
Speaker 3: work and in true Mandy fashion, listen, my therapist at
Speaker 3: this point just laughs. I don't know if we're supposed
Speaker 3: to be laughing as much as we do on our calls,
Speaker 3: but anyway, because I was like, yeah, I'm taking the
Speaker 3: week off work. But here's my plan. We are gonna
Speaker 3: surprise Abuela Enrique's mom tomorrow with We're gonna take her
Speaker 3: Christmas tree. Because speaking of grandma's getting in their fields,
Speaker 3: she's all, you know, sad. Because I made the executive
Speaker 3: decision not to do a traditional Christmas tree in my
Speaker 3: house because I'm sorry, God gave me a spider monkey
Speaker 3: for a baby, not an actual human, and I really
Speaker 3: don't want to have to go to the emergency room
Speaker 3: when he pulls that tree down on top of himself.
Speaker 3: So I decided no Christmas tree inside, but we're gonna
Speaker 3: get a tree for the front yard anyway, so we're
Speaker 3: gonna surprise her tomorrow. And then I'm listen, I started
Speaker 3: to like hire people for stuff, like for Rio's birthday,
Speaker 3: which is on Thanksgiving, I was like, okay, we can
Speaker 3: go to that same bakery. I got, you know, a
Speaker 3: cake from before for his birthday cake. And then you know,
Speaker 3: I had a really cool balloon arch at my baby
Speaker 3: shower and I was like, let me get their phone number.
Speaker 3: But then the dollar started to add up, and then
Speaker 3: I started to google, like how much is a balloon tape?
Speaker 3: Like how long? What's a helium tank cost? Like can
Speaker 3: I do this myself? And next thing you know, I'm
Speaker 3: making a whole dam's loth cake carved caricature cake, and
Speaker 3: a whole damn balloon arch from scratch, and I'm doing
Speaker 3: a whole damn Thanksgiving lunch and it's gonna be delicious.
Speaker 3: And we're having turkey and sweet potato soufle and dressing
Speaker 3: and all the trimmings and it's gonna be great. So
Speaker 3: this is my week off. Yeah, but I'll know it
Speaker 3: makes me happy though it's not. You know, I enjoyed.
Speaker 3: I enjoy crafts, I always have. I enjoy cooking, So
Speaker 3: this this brings joy. And I had to literally convince
Speaker 3: my therapist to like, get on board. I was like,
Speaker 3: get on board, Lauren, get on board. This is what's happening.
Speaker 3: I'm in a great mood. I'm amazing. She's like, are
Speaker 3: you Yes, It's gonna be fabulous. I just can't wait
Speaker 3: to see Rio's face when he sees his his cake
Speaker 3: and all the balloons. I feel like he's gonna have
Speaker 3: a really fun reaction.
Speaker 2: Yes, balloons and kid. I feel like balloons and bubbles
Speaker 2: are like kids' best friends.
Speaker 3: Yeah, he was never in I remember and got him
Speaker 3: like a balloon a bubble machine over this, and he
Speaker 3: would just stare at it with the deadest of stairs,
Speaker 3: like the digits of stairs doesn't.
Speaker 2: Make that noise.
Speaker 1: Because I have to say that I've seen a lot
Speaker 1: of times kids don't like the bubble machine noise, because
Speaker 1: I definitely got my nephew and he was like, girl, do.
Speaker 2: You want to kill me? Is that what this is?
Speaker 1: But the actual bubbles themselves, he was like, Okay, these
Speaker 1: are cute.
Speaker 2: I can pop these, these are cute.
Speaker 3: My mom My mom was like, look at this viral
Speaker 3: video of this baby sing bubbles for the first time.
Speaker 3: It's adorable. And then it's one of those things where
Speaker 3: you're like, yeah, I recreate that. No. I mean, he
Speaker 3: couldn't have been less interested in the bubbles. But the
Speaker 3: things we do for.
Speaker 1: The cheatment, right, I'm talking about these kids, you just
Speaker 1: be shady out here. The other day, my nephew asked
Speaker 1: my sister. He was like, how old are you? Because
Speaker 1: now he's you know, they get to an age where
Speaker 1: they're like, wait, people are like different ages.
Speaker 2: He's how old are you? And she said, oh, I'm
Speaker 2: thirty nine. He said, oh, so almost.
Speaker 1: Forty yo, Mandy the way, And at first I thought
Speaker 1: he's not wrong.
Speaker 3: How can you not congratulate him on being so smart?
Speaker 1: And at first I thought he knew the shade because
Speaker 1: he's fine. I was like, how does he know the shade?
Speaker 1: I'm like, girl, you get old, right, But and then
Speaker 1: I realized, oh, like he's just rounding, because then he
Speaker 1: was like, I'm almost six because I'm five.
Speaker 2: Amelia is almost four because she's three.
Speaker 1: And I realized, oh, he doesn't understand the social dynamic
Speaker 1: of being forty, and like, you know, I'm all.
Speaker 2: That comes along. I really could for a minute. Then
Speaker 2: I was like, oh, Robin is wait. Oh we don't know.
Speaker 2: The shame the way he looks. She looked like, oh,
Speaker 2: that's what we're doing, hen't he don't know?
Speaker 3: Because a baby, you know your numbers.
Speaker 1: Oh but yeah, these babies out here, no, oh, definitely
Speaker 1: postpics because you know, I love picks.
Speaker 3: Of real I'm so excited. I'm dreaming of cakes now.
Speaker 3: I'm just I have all the accessories. Listen, you ever
Speaker 3: been to a Wegman's, Tiffany, I feel.
Speaker 2: Like maybe once before. They're pretty fancy, aren't.
Speaker 3: They They're I mean, they're fancy, but they're just like
Speaker 3: I guess, down south, we have publics and like in
Speaker 3: North Carolina there's Harris Heaters. Up here, there's something called
Speaker 3: and we finally have one. And listen when I tell
Speaker 3: you their bakery section, they're like bake, not their bakery section,
Speaker 3: which is amazing, but they're actual like accessories where you
Speaker 3: have like piping bags and all the sprinkles. Girl, I
Speaker 3: probably spend like two hundred dollars in that section, just
Speaker 3: like getting I'm very, very excited. Ultimately, it will indeed
Speaker 3: cost far more to make the cake myself than it
Speaker 3: would have to outsource it. But I'm calling it in
Speaker 3: an investment, you know, like, who know, this won't be
Speaker 3: the last cake I make.
Speaker 2: No. I love it, especially with all that's been going on.
Speaker 2: It's pretty crazy. This is a random side.
Speaker 1: Now, what are you thinking about the the ugh.
Speaker 2: Not the pandemic, darn it?
Speaker 1: The vaccine? How comfortable do you feel about being in
Speaker 1: line for a vaccine?
Speaker 3: Listen? I would just go back to what Kamala Harris
Speaker 3: said during the vice presidential debate when she was like, listen,
Speaker 3: if doctor Fauci and the scientists tell me to take
Speaker 3: the vaccine, I'll be first in line. And I feel
Speaker 3: the same way. I trust science and I'm super excited that.
Speaker 2: You know.
Speaker 3: I think the third of the pharmaceutical companies that were
Speaker 3: working on a vaccine released preliminary results and it was
Speaker 3: it wasn't like the ninety percent the first two got,
Speaker 3: but it was still really high for the success rate.
Speaker 3: That's freaking exciting. I don't think even the general public
Speaker 3: will have a chance to get it till like the spring,
Speaker 3: though maybe the summer. So but you know, when when
Speaker 3: it's out here, I'll definitely be really listening to what
Speaker 3: the researchers say. I did, though, you know, in terms
Speaker 3: of how you know black households, black people tend to
Speaker 3: feel about vaccines. It ain't great. We can't forget the
Speaker 3: early Testigee, like the Testigee experiment where they use black men.
Speaker 3: I think it was it was just black men, right,
Speaker 3: We're told they were going to get you know, could
Speaker 3: be getting given treatment for syphilis, but we're just left
Speaker 3: to suffer. So and I was reading about this that
Speaker 3: there's actually it's really difficult to get Black Americans to
Speaker 3: participate in these types of trials. And it's important for
Speaker 3: people to participate from all voices and genders and stuff,
Speaker 3: just on the off chance that there may be something
Speaker 3: that causes one to react differently. But yeah, they had
Speaker 3: a hard time getting a large sample size for black Americans.
Speaker 3: But I totally I get oh, thousand percent. I get it,
Speaker 3: and there's like, it's this. I mean, there's just this
Speaker 3: level of suspicion for government, for you know, especially big pharma,
Speaker 3: Like listen, they're gonna make boku boku money off of this.
Speaker 3: We all know this. But I'll definitely be letting science
Speaker 3: and whatever I read, like, really looking at the sources
Speaker 3: of what I read to before we line up to
Speaker 3: get the vaccine.
Speaker 1: What about you, Yeah, I mean, well, I think the
Speaker 1: good thing is that I've got a lot of medical
Speaker 1: folks in my family, So definitely reaching out to her
Speaker 1: mom and her friends, Definitely reaching out my my sister's
Speaker 1: husband actually works with the Navy.
Speaker 2: He's a he's a doctor, a medical doctor.
Speaker 1: So even I remember when Corona first first first came out,
Speaker 1: of course we all ran to ask him, and he
Speaker 1: what's happening now is exactly what he said was going
Speaker 1: to happen. He's like, honestly, the vast majority of people
Speaker 1: at some point are going to get COVID. Most people
Speaker 1: will be fine, some people will actually get sick, and
Speaker 1: you know, and some people will get sick and in past,
Speaker 1: but you know, not the majority of people. But I
Speaker 1: just remember thinking, like, no, most people can't get it.
Speaker 1: He's like, no, most people at some point are going
Speaker 1: to get COVID, and maybe we won't even know they
Speaker 1: have it. Like for example, in Newark where I live.
Speaker 1: So New Jersey is ten percent of the population currently
Speaker 1: has COVID, this is what they're estimating. And Newark is
Speaker 1: up to twenty. But that's because of one particular area
Speaker 1: in Newark. It's the Ironbound section. It's largely Portuguese and
Speaker 1: it's a community that is super community oriented, like lots
Speaker 1: of families live together. It's also really tight enit. They're
Speaker 1: not that many parking spots, so people walk a lot.
Speaker 1: I mean, you can go into like it's one of
Speaker 1: my favorite places to eat because the food is amazing.
Speaker 2: You can go you could walk from spot to spot
Speaker 2: to spot. So I'm not surprised they're up to forty percent.
Speaker 1: Oh, because of the close quarters and so you know
Speaker 1: when he said, you know, most people at some point
Speaker 1: are going to give COVID, and this is what he
Speaker 1: told me in the very very beginning when it broke,
Speaker 1: I didn't really see how that was possible, and now
Speaker 1: I see how it could run the population.
Speaker 2: So I'm just hoping.
Speaker 1: That these vaccines work because honestly, it's like, how do
Speaker 1: we get back to normal life if there's not a vaccine?
Speaker 3: You know, Well, there's also you know, I think there
Speaker 3: are some treatments and some what are they called some
Speaker 3: some therapies, some types of therapies that have proven to
Speaker 3: be effective against COVID, Like when you're when you're being
Speaker 3: treated for it in the hospital, you know, maybe they'll
Speaker 3: come up with something and continue to advance, you know,
Speaker 3: the types of medical care you can receive if you
Speaker 3: get it. It's just a big unknown, and you know,
Speaker 3: I think people are also afraid of potential long term
Speaker 3: impacts of COVID. You know, we don't necessarily know what
Speaker 3: the long term implications can be. You know, will you
Speaker 3: have like long issues in the future. I do feel
Speaker 3: like shit, I mean, I don't know that I haven't
Speaker 3: had it. I don't know that I've not had it
Speaker 3: because I obviously don't get tested every day. When I
Speaker 3: have been tested, it's negative. But part of me is
Speaker 3: just like, Okay, we just got to hang in there, y'all, listen.
Speaker 3: Like I have had some family, close family who's who's
Speaker 3: gotten it in other states. But I'm just like let's
Speaker 3: just keep it together. Can we just not get COVID?
Speaker 3: Just hang in there so I and I understand what
Speaker 3: you're saying about you and your brother in law about
Speaker 3: you know, community spread, and eventually people will get it,
Speaker 3: just just because that's that's the nature of these things.
Speaker 3: But I think we can agree that in the US
Speaker 3: it did not have to.
Speaker 1: Be this bad.
Speaker 3: It did not It did not have to be if
Speaker 3: y'all just wore your damn masks, if there wasn't I mean,
Speaker 3: if I mean, honestly, I mean, it should be criminal
Speaker 3: what people like what the Trump administration has put out
Speaker 3: there in terms of trying to break people's trust in
Speaker 3: medicine and in science. It should be criminal because I
Speaker 3: really do think it's caused lives, and you know, I
Speaker 3: just that it's kind of like when you I think
Speaker 3: of it the way that my mom would think about
Speaker 3: me going out and learning to drive. She's like, baby,
Speaker 3: I'm not afraid of you not being a good driver.
Speaker 3: It's everyone else on the road that's the problem.
Speaker 2: I agree, And.
Speaker 3: I think that's the thing with COVID. It's it's maybe
Speaker 3: you're taking all your precautions and wearing your mask and
Speaker 3: limiting where you go. And you go to the one event,
Speaker 3: but how do you trust everyone else at that event
Speaker 3: has been you know, I can't as you have. So yeah,
Speaker 3: here I sit in this that's.
Speaker 1: I'm ordering everything all I'm like, shut and I'm like,
Speaker 1: who's on my list? My saying a list naughty or nice?
Speaker 1: I'm like, everything's coming directly to the house. I'm just
Speaker 1: like I'm not. I have not even like thankfully, I
Speaker 1: see that, you know, the folks have brought up all
Speaker 1: the toilet paper as usual.
Speaker 3: But really I thought we were over this, I know.
Speaker 1: So what I did was last time, when when things
Speaker 1: were decent, I knew it was going to happen again, honestly,
Speaker 1: So when things were decent, had gone to Costco maybe
Speaker 1: like two months ago and got like four months worth
Speaker 1: of stuff because I was just like, I don't like
Speaker 1: going food shopping or anything shopping really, so we are
Speaker 1: still living off of that. We have plenty, So I
Speaker 1: just but I remember that that was going to happen.
Speaker 1: Besidewhile this is random, do you have one of those?
Speaker 1: This is for the audience too, because they're kind of pricey,
Speaker 1: so you know me, I'm not really one for spending
Speaker 1: a ton of money, you know, those like is that
Speaker 1: a temperate tempora pedic bed? What's the beds that go
Speaker 1: that go up and down?
Speaker 3: I think that's gonna be repedic.
Speaker 2: Yeah right, But so I lately, like my like, my
Speaker 2: shoulder has been like killing me. I'm a I'm a
Speaker 2: shoulder sleeper, and I don't know if it's just because
Speaker 2: of age.
Speaker 1: And so my husband too, he's like, oh, my shoulder.
Speaker 1: I'm like you too, it's but you know, our bet
Speaker 1: is not that old. It's maybe like a year and
Speaker 1: a half old. And lately our shoulders have been like
Speaker 1: killing us because we're both like shoulders. I'm a I'm
Speaker 1: a stomach sleeper and a shoulder sleeper.
Speaker 2: It depends.
Speaker 1: But I don't know what I'm doing in the middle
Speaker 1: of the night, you know. But I'm like, lately my
Speaker 1: shoulder has been killing me, and I'm like, is that
Speaker 1: I want to bed? I know it's gonna cost because
Speaker 1: beds always cost a bajillion dollars, But for those of
Speaker 1: you are out there with those temper pedic whatever bajillion
Speaker 1: dollar beds, is it worth it now that my body's
Speaker 1: getting all beat.
Speaker 2: Up and old?
Speaker 1: I'm like, oh, I can't even sleep on my shoulder anymore.
Speaker 1: Roman is right, you almost forty, except for I'm not almost.
Speaker 1: I am forty forty one. Yeah, I know it sounds random,
Speaker 1: but I'm like, cause you know, it's one of those
Speaker 1: things where it's like Peloton, it's expensive, but it seems
Speaker 1: to be worth the price because you love yours and honestly,
Speaker 1: most people that I know that paid for Peloton, I
Speaker 1: have to say I haven't. I've heard very few people
Speaker 1: that have said I regret it, but like of my
Speaker 1: friends that I've bought it, but is it one of
Speaker 1: those buys where it's like, girl, I didn't need this tempopedic,
Speaker 1: like it feels the same as my regular bed, or
Speaker 1: you're like, girl, it's expensive, but it's so worth it.
Speaker 2: So I'd love to.
Speaker 3: Now, hold on't get me started on a peloton. I'm
Speaker 3: going to make a hard left from that topic because
Speaker 3: I will go on and on. I'm turning into one
Speaker 3: of those people. Okay, back to mattresses. I would say,
Speaker 3: talk to a chiropractor or talk to like someone on
Speaker 3: there such thing as a yeah chiropractor is a back doctor, right,
Speaker 3: and just see what they think about the temper pedick
Speaker 3: and where you're having pain, because if you're going to
Speaker 3: sleep on your shoulder regardless, maybe it's just you shouldn't
Speaker 3: do that anymore, I know, on your back.
Speaker 1: Like if I wake up in the middle of the
Speaker 1: night and I realize I am, i roll on to
Speaker 1: my back. But you know, you're like you don't know
Speaker 1: when you're sleeping because you know when the sleep gets
Speaker 1: good to you get in your comfort position.
Speaker 2: And I'm just lately, I'm like.
Speaker 3: If you're like squishing your shoulder, but I wholeheartedly believe
Speaker 3: in a good night's sleep. Whatever you need to get there.
Speaker 3: Like it's a crime that I have not replaced my
Speaker 3: lumpy ass sad pillow in a long time because I
Speaker 3: have all this neck pain when I wake up. I
Speaker 3: need to do that. So while you guys are giving
Speaker 3: tiffany mattress recommendations, let me know, holler about a good pillow.
Speaker 1: Yes, because if you had, if you had, if you're
Speaker 1: I'm man if was sure that it's the mattress, you know,
Speaker 1: like I said, it's not some cheap mattress. But I'm
Speaker 1: just like, oh, is this age, this is how we
Speaker 1: live now? Is this half your little stretch my shoulder, like,
Speaker 1: is this life? Now?
Speaker 2: I don't want it to be life?
Speaker 3: Listen, Oh, man aging is a privilege, right, it is
Speaker 3: a privilege. All right, Well, should we take a quick
Speaker 3: break and come back to answer some questions from other people?
Speaker 2: Yes? We should?
Speaker 3: All right, be right back guys with y'all's questions. All right,
Speaker 3: we are back with your questions. We love when you
Speaker 3: guys send us your questions. You can hit us up
Speaker 3: at Brand Ambition Podcast on Instagram or Brand Ambition Podcast.
Speaker 2: At gmail dot com.
Speaker 3: Your old school. All right, let's uh, let's shake up
Speaker 3: this reader mail bag. Tiffany, I don't know if you remember, well, silly,
Speaker 3: of course you remember because you were interviewed for their
Speaker 3: freaking New York Times about this but a few months ago,
Speaker 3: doesn't it feel like years over the summer when you
Speaker 3: were interviewed in the Times about your experience with your
Speaker 3: the home appraisal experience because you were gonna what were
Speaker 3: you gonna do? You're gonna get a cash out REFI
Speaker 3: on the investment property that y'all.
Speaker 1: On the on the on my primary house because it's
Speaker 1: paid off. I was basically, I want to pull out
Speaker 1: the money that the house was worth at least partially
Speaker 1: because I wanted to invest it. So yeah, so we
Speaker 1: we we Basically you have to go through almost as
Speaker 1: if you're buying a house. You have to you know,
Speaker 1: go to like a mortgage broker and and they have
Speaker 1: to send a praiser to your house and how is
Speaker 1: it worth? And I was like that seems low and yeah,
Speaker 1: and it was.
Speaker 2: But yeah, so I remember that. I remember.
Speaker 3: I remember around that same time we were talking about it,
Speaker 3: there was that viral video and y'all still we still
Speaker 3: get messages from listeners forwarding us this story of the
Speaker 3: where were they from? Florida? I think there was a
Speaker 3: biracial couple, black women as black guys white and they
Speaker 3: they experimented because their appraisal came in low for their house.
Speaker 3: And the woman was like, Okay, I'm going to take
Speaker 3: down all the black art, all the black paraphernalia, whatever
Speaker 3: indicators that I'm black, And by the way, I'm gonna
Speaker 3: take my own black self and our child and go
Speaker 3: somewhere else when the appraiser comes back and just leave
Speaker 3: my white husband. And of course, the appraisal came in
Speaker 3: again above expectations. And what was interesting about this, you know,
Speaker 3: the past few months is it does feel like people
Speaker 3: are more willing to discuss racism and how it can
Speaker 3: hurt people in terms of home value. But I wanted
Speaker 3: to preface, like say all that because the question, our
Speaker 3: first question actually comes from someone who's who says that
Speaker 3: they're refinancing their home, which means an appraiser is coming
Speaker 3: to appraise it. They want to know, how do I
Speaker 3: make sure I'm not a victim of anti black racism? Tiffany, Well,
Speaker 3: how do you erase your blackness? Well, it's freaking sad.
Speaker 1: It is, And I would say this one. You want
Speaker 1: to look at your appraisal. So this is what the
Speaker 1: New York Times did for me. They asked me for
Speaker 1: my appraisal and I was like okay, And then once
Speaker 1: she when the report came back, they didn't end up
Speaker 1: using me for the story because there are people.
Speaker 2: Who had way worse thing, which is terrible.
Speaker 1: But she gave me the feedback of like what their
Speaker 1: independent appraiser said that he was looking for. So they're
Speaker 1: looking for one, are the comparables which ours weren't. Are
Speaker 1: they comparable? So comparable is other homes in the area
Speaker 1: that have recently sold, and they are are kind of
Speaker 1: a match for your home. They have three bedrooms, you
Speaker 1: have three bedrooms. They have two bathrooms, You have two bathrooms.
Speaker 1: They're you know, twenty five hundred twenty five one hundred
Speaker 1: scrap feet you're twenty five hundred squriffeet Are they comparable? Like,
Speaker 1: for example, for our home, we had recently renovated, like
Speaker 1: I'm talking about, like you know, new plumbing, new electric,
Speaker 1: new everything. The comps that they had and our appraisal
Speaker 1: were not renovated at all. Some of them were actually
Speaker 1: like really broken down. So you're literally comparing apple to
Speaker 1: spoiled apples.
Speaker 2: So that's one, that's what you're going to look for. Two.
Speaker 1: Some other ways that sometimes appraisers can get sneaky with
Speaker 1: it is that they will budge the rooms sizes. So
Speaker 1: know what, what are the dimensions of your bedrooms, of
Speaker 1: your bathrooms, of your common areas? To make sure that
Speaker 1: the dimensions of your home are they is it the
Speaker 1: same what's in the appraisal? You know?
Speaker 3: Also Two, can you ask for a copy? I forget
Speaker 3: Actually yeah, I remember getting a copy of my appraisal
Speaker 3: now that I'm talking out loud, So you should definitely
Speaker 3: review that.
Speaker 1: Yeah, and you can get it typically because it's the
Speaker 1: it's the bank, because the bank is wanting to see
Speaker 1: how much is this house worth if for whatever reason,
Speaker 1: you cannot afford this mortgage. If I have to snatch
Speaker 1: this house from you, will I get my money back?
Speaker 1: So it's the bank that is in charge of the appraiser,
Speaker 1: of picking the appraiser, sending them out and getting you
Speaker 1: the report. So you have to ask you you typically
Speaker 1: they'll send it to you the bank, but you could say, hey,
Speaker 1: can I get my appraisal report?
Speaker 2: So you're looking for things like that something else too.
Speaker 1: There's a code that they give you, and I believe
Speaker 1: it starts with the A sea. It's like C one,
Speaker 1: C two, C three. This is how our racist appraiser
Speaker 1: tried to get over is that he knew the house
Speaker 1: was newly renovated. And there's a code like C two
Speaker 1: for example, for brand new renovated house. Not brand new house,
Speaker 1: but newly renovated house. He put us down for C
Speaker 1: three normal wear and tear house. So there's a cap
Speaker 1: for how much house that is not renovated can be
Speaker 1: worth versus a house that we hadn't even lived here
Speaker 1: for five months. Yet when we got it and he
Speaker 1: kept remarking, upon wasn't an accident, it was intentionally done
Speaker 1: because he was this is what's so funny. He was
Speaker 1: so nice and he kept saying, this house.
Speaker 2: Is so beautiful, beautiful in the house when he came,
Speaker 2: this renovation is so great.
Speaker 1: So he said those things, hi stuff, and we said, yep,
Speaker 1: were newly renovated and new plumbing, new electric. We showed
Speaker 1: him all the new pipes, everything. So for him to
Speaker 1: put down this to classify us as a house that
Speaker 1: has not been renovated but in fact has normal wear
Speaker 1: and tear, which we say, which we for example, like
Speaker 1: my parents' house, it is well cut, but that's not
Speaker 1: newly renovated, you know.
Speaker 2: So those are things you want to look out for too.
Speaker 1: So when that happens, what you can do is your
Speaker 1: recourse is you can report them. There's like a if
Speaker 1: you do your Google's, there's like a report. There's a
Speaker 1: special agency I can't remember where you can report appraisers.
Speaker 1: But even better, you want to go back to the
Speaker 1: to the mortgage, your lender and say, hey, this appraisal
Speaker 1: seems under here are the discrepancies you might also want
Speaker 1: to reach out to your personal your realtor and ask
Speaker 1: them to pull like equitable comps so they can show like, oh,
Speaker 1: the comparables in this area, say otherwise than what the
Speaker 1: appraiser has put in here.
Speaker 2: It's so crazy.
Speaker 1: Like I said, I'm working on a law with Assembly
Speaker 1: Women Angelobe M.
Speaker 2: Knight in the state of New Jersey to make.
Speaker 1: It illegal to appraise someone's house lower or higher based
Speaker 1: upon their gender, their sexual orientation, or their race, because
Speaker 1: even though they're not allowed to, it is not there's
Speaker 1: no legal statute that I want the statue to say.
Speaker 1: If you're caught doing so, you lose your license. So
Speaker 1: you think once twice thrice about walking into a black
Speaker 1: home in New Jersey and appraising otherwise. Yeah, So unfortunately
Speaker 1: that's that's like, that's the recourse that you have. And
Speaker 1: at the end of the day, you know the bank
Speaker 1: wants a fair appraisal because you know, they're wanting to
Speaker 1: make sure they get their their money, so they have
Speaker 1: to take the house so you can go back to
Speaker 1: the bank and they can send out another appraiser. Now,
Speaker 1: the problem is is that you pay for the appraisal.
Speaker 1: So it's frustrating because I think my appraisal was like
Speaker 1: maybe like eight hundred bucks. So if I wanted to
Speaker 1: pay for another appraisal that might be another eight hundred bucks,
Speaker 1: then you might not have that. So yeah, it's it's
Speaker 1: it's not fun times over there when you're when you're worried.
Speaker 3: But I do think, do you think, because I mean,
Speaker 3: you know, it's still an it's an ongoing issue and
Speaker 3: it kills me. But do you think and you your
Speaker 3: plan originally was to like not be in the house,
Speaker 3: right you're going to have a white friend. I mean,
Speaker 3: do you think that people should do that?
Speaker 2: Yes? Is that absolutely sad?
Speaker 3: Is that the tip just go don't be there?
Speaker 2: Yea, honestly, because here's the thing.
Speaker 1: It's almost like saying like if I do I think
Speaker 1: that like in you know, in Mississippi at night, should
Speaker 1: I walk the streets?
Speaker 2: Absolutely not not as a black person.
Speaker 1: So I my plan was, and honestly, it's a shame
Speaker 1: that I have to make this recommendation that if you
Speaker 1: are black, to take down your black pictures. I see
Speaker 1: we took down our pictures and things, but we were here.
Speaker 1: My plan was to have my friend Catherine, she's white,
Speaker 1: for her to be me because you don't have to
Speaker 1: be here. You can anybody can say hey, I'm Tiffany, and.
Speaker 2: So that was my plan.
Speaker 1: But it was literally in March when the pandemic hit
Speaker 1: and it got to be really crazy and we were
Speaker 1: heavily quarantined, so she couldn't come here.
Speaker 2: So that was my plan to not be here.
Speaker 1: I know we would have gotten a different outcome, honestly,
Speaker 1: but yeah, it's some shame that you have to even
Speaker 1: think like that, but absolutely mm hm.
Speaker 3: Well thank you for Actually I realized she sent us
Speaker 3: a question before that that's mostly the answer. This really
Speaker 3: quick because I don't want her thinking that, you know,
Speaker 3: we ignore her other question. This is an interesting one.
Speaker 3: She said, Well, this isn't necessarily new, but she's looking
Speaker 3: at her bank account and how the interest rates for
Speaker 3: savings have gone down to, you know, much lower, so
Speaker 3: an online only bank, y'all know, we love our online
Speaker 3: only banks because they tend to offer rates that are way, way,
Speaker 3: way higher than national savings rates, especially for big banks.
Speaker 3: She asks, what's your perspective on taking some money out
Speaker 3: of my savings account and putting it towards stocks or
Speaker 3: an ETF to ensure my money is working for me.
Speaker 1: Well, here is my perspective that your emergency fund is
Speaker 1: your first line of events, and if you are going
Speaker 1: to invest some of it, I would leave.
Speaker 2: At least at least three.
Speaker 1: Months liquid cash available to you, because if something should happen,
Speaker 1: it gives you three months to figure out how are
Speaker 1: you going to sell some I said, are you gonna
Speaker 1: sell some stocks?
Speaker 2: Are you gonna are you gonna liquidate some things? You know? Whatever?
Speaker 2: That looks like.
Speaker 1: So a lot of people ask me that, A lot
Speaker 1: like ooh girl, like I have six months or I
Speaker 1: have got my three months and it's not making any money.
Speaker 2: It's not that is not supposed to Yeah.
Speaker 3: Right, it's not supposed to work. You don't need to
Speaker 3: expect that. I think people are expecting too much other
Speaker 3: little safety.
Speaker 1: Yeah, it's almost like you get hurt, right, and you're like,
Speaker 1: my band aid's not cute, girl.
Speaker 2: The band is not about.
Speaker 3: Cute body it belongs or is it okay?
Speaker 1: It's worth Yes, the band aid is literally there to
Speaker 1: protect your your skin from further infection. That's literally it.
Speaker 1: And then you know you can put on other things
Speaker 1: to make yourself cute. So at the very least keep
Speaker 1: your three months, I say six months or more. I'm
Speaker 1: I'm I'm at a one year because I just like,
Speaker 1: I'm super paranoid. But yeah, it's it's literally supposed to
Speaker 1: be there, to be like it's an actual emergency. Who
Speaker 1: thank goodness, I have some money here, not at it's
Speaker 1: an emergency. Oh my gosh, the market is down. We
Speaker 1: actually don't have as much money as we thought.
Speaker 2: We did. What we're gonna do?
Speaker 3: No, yeah, exactly you should when you put money in
Speaker 3: the savings account, you should think of it and its
Speaker 3: purpose a lot differently, and it's to be there for you.
Speaker 3: It's and I guess maybe you know, we can take
Speaker 3: some response, but we do get very excited about savings
Speaker 3: rates and online only banks, which is great. It's nice
Speaker 3: to make some money off your money, but it's not
Speaker 3: the you know, that's not the primary reason that you're
Speaker 3: you know, putting that savings. I don't really consider my
Speaker 3: savings a technically an investment unless you're talking about investing
Speaker 3: against or protecting me from future risks. But uh yeah,
Speaker 3: definitely a fair question. All right, let's move on to
Speaker 3: a last question. Do okay, whoa You're just going to
Speaker 3: ignore that sound of pots and pans falling on the
Speaker 3: floor upstairs. All right. This comes from listener who wants
Speaker 3: to go with a name Yes men love it Yeah,
Speaker 3: and then says I have one thousand dollars left to
Speaker 3: pay off my card note, which I intend to pay
Speaker 3: off in December. I recently did a balance transfer with
Speaker 3: my credit union for ten thousand dollars at zero percent
Speaker 3: for twenty two months, but I've still got six thousand
Speaker 3: dollars on another credit card with an APR of twenty
Speaker 3: point four percent APR. I've been focusing on paying off
Speaker 3: debt and less on savings during the pandemic, since my
Speaker 3: overall expenditures have decreased. But as I begin to restructure
Speaker 3: my finances so I no longer have a car loan
Speaker 3: to pay on, I'm wondering where I should allocate those funds.
Speaker 3: Do you recommend paying off my other credit card or
Speaker 3: aggressively paying off the balance transfer credit card which has
Speaker 3: ten thousand dollars on it, or with all the pandemic uncertainty,
Speaker 3: should I put money in savings. Thank you for your recommendation.
Speaker 3: This was interesting, Yasmin.
Speaker 1: YESI girl, so it's not like me that guess he
Speaker 1: doesn't have much in savings, which makes me, and I'm
Speaker 1: sure you, Mandy, because you know we're savaholics, very nervous.
Speaker 1: I'm glad that, you know, I mean, I'm glad that
Speaker 1: you're being more responsible, you know, kind of like reconfiguring
Speaker 1: your your your debt so you can pay less and
Speaker 1: the money that you do pay out has packed more
Speaker 1: of a punch. But it's Showtime synergy. Some of y'all
Speaker 1: don't know what that's from. Where's that from, Mandy? It's
Speaker 1: Showtime energy?
Speaker 3: Come on, Mandy, Wait, wait a second, because did you
Speaker 3: say that on a previous episode, because I got an
Speaker 3: email about it. Yes, y'all said y'all, and I was like,
Speaker 3: I don't think it.
Speaker 2: Was me, but it was, well, you know, to be fair,
Speaker 2: you I don't even know. No.
Speaker 1: So it's Gem and the Holograms. I used to watch
Speaker 1: when I was in the second grade, so clearly you
Speaker 1: were like Rio's age.
Speaker 2: At that time. If that.
Speaker 1: Yeah, So what happened in Jem and the Holograms is
Speaker 1: that she used to wear these these star earrings and
Speaker 1: Jericho was like the Clark Kent and then Jim was Superman,
Speaker 1: so she would touch the ear rings and say it's
Speaker 1: showtime synergy and she would turn into gem. So I'm
Speaker 1: just sharing that, like basically, now was the time to
Speaker 1: take like we're in it, now, you're on stage. You
Speaker 1: should have savings because if things don't, if things go left,
Speaker 1: what will you rely on. It's not the debt freedom.
Speaker 1: Not to say you shouldn't pay off debt, but you
Speaker 1: certainly should have some savings at least at least at
Speaker 1: least three months of your bare bones savings that I
Speaker 1: like to call your noodle budget because it makes me
Speaker 1: nervous because you are assuming that everything's going to go right,
Speaker 1: you're going to keep your job, that the economy is
Speaker 1: not going to certainly like swerve to the left or
Speaker 1: to the right. Meanwhile, even the FED is not assuming
Speaker 1: the economy is not going to swerve. They put on
Speaker 1: an article or they well, the bet is not a person,
Speaker 1: but basically the FED is the report said, I think
Speaker 1: it was a CNBC that they're going to keep interest
Speaker 1: rates this low to twenty twenty three, and so that
Speaker 1: should make everyone not nervous, but to put you on
Speaker 1: alert because the FED uses the interest rate as a
Speaker 1: gear when things are going really fast and good they're like,
Speaker 1: wh whoa, whoa, whoa, gear up, gear up, gear up,
Speaker 1: raise interest rates so less people can borrow, slow down
Speaker 1: the economy when things are really slow and sluggish where
Speaker 1: we are now, and worries them.
Speaker 2: They gear down and.
Speaker 1: They say, okay, make interest rates as low as possible
Speaker 1: so more people can borrow to make money flow to
Speaker 1: the economy. So for them to say we are going
Speaker 1: to stay in the gear that is meant to bring
Speaker 1: the economy back to life until twenty twenty three, No,
Speaker 1: let you know how long we're going to be in
Speaker 1: this financially uncertain time.
Speaker 2: At least for another two years.
Speaker 1: So I say, saves, get your savings on at least
Speaker 1: three months, and then go back to aggressively putting putting
Speaker 1: away for debt.
Speaker 2: Yeah.
Speaker 3: I mean, it's interesting that you're so, and I understand
Speaker 3: it because your car is in your driveway and it
Speaker 3: just looks like debt and you want to pay it
Speaker 3: off and you want to feel that freedom of having
Speaker 3: a totally paid off car. You say, you've got one
Speaker 3: thousand dollars left to pay on that car. It's not
Speaker 3: that much. I mean, if you're planning to pay that
Speaker 3: off in December, why don't you plan instead to put
Speaker 3: that in savings, Like one thousand dollars is a nice
Speaker 3: head start for your savings account, and you can keep
Speaker 3: paying off your regular car note. And I'm saying that
Speaker 3: because your wealth the I'm trying to name banks, But anyway,
Speaker 3: her credit card that has the six thousand dollars on
Speaker 3: it and an APR of twenty point four percent, I'm
Speaker 3: guessing if you got to prove for it that suite
Speaker 3: of a balance transfer like she got ten k a
Speaker 3: zero percent for twenty two months, you need a pretty
Speaker 3: decent credit score to qualify. So I'm going to guess
Speaker 3: that your car note is not a higher APR than
Speaker 3: that credit card that you have left that twenty point
Speaker 3: four APR. So even so, if you're really, you know,
Speaker 3: organizing your debts for the most expensive to least expensive,
Speaker 3: I would think your car note would come at the
Speaker 3: bottom of the priority list because it's not costing you
Speaker 3: quite as much. But regardless, I do agree. I mean,
Speaker 3: if you're if you have you've gotten to a place
Speaker 3: where you have sixteen thousand dollars in debt, perhaps that
Speaker 3: is because you know you haven't had much in savings,
Speaker 3: or you have. You know, you're you've been spending more
Speaker 3: than you earn so and I'm glad to see to
Speaker 3: hear that you've been, you know, focusing on saving now
Speaker 3: that your expenses have decreased. But I would I really
Speaker 3: like to see you continue that. So instead of paying
Speaker 3: off the car loan in December, I would say, I mean, eventually,
Speaker 3: hope you'll get there, but try to start funding your
Speaker 3: emergency fund and then focus on that six K balance
Speaker 3: on your Wells Fargo card. But don't sleep on that
Speaker 3: twenty two month balance transfer offer at zero percent. Definitely
Speaker 3: read the fine print and know what you're in for.
Speaker 3: If that balance is not paid off after twenty two months,
Speaker 3: you can do another balance transfer. You know, hit when
Speaker 3: you hit twenty one months and you've still got like
Speaker 3: a thousand dollars or however much you know, let's say
Speaker 3: you have a little bit of money left on it.
Speaker 3: You just want to be sure to do another balance
Speaker 3: transfer or pay it off before that intro period ends.
Speaker 3: Because if they have our least favorite thing ever in
Speaker 3: a balance transfer, it's called deferred interest. If they have
Speaker 3: a deferred interest clause, it could mean that they're going
Speaker 3: to go back to the beginning and pretend like you've
Speaker 3: been paying interest on that ten k for two years
Speaker 3: and add that to your balance, and you don't want
Speaker 3: that to happen, So set a calendar alert for around
Speaker 3: the twenty month mark, just to be safe and see
Speaker 3: where you're at, and then make a plan what you're
Speaker 3: going to do next. Another balance transfer, pay it off
Speaker 3: with hopefully your fat savings account that you can related.
Speaker 3: But I'm you know, I think you're in. You're in
Speaker 3: pretty good shape. You're on the way out. It's just
Speaker 3: really focus on how do I avoid getting in this
Speaker 3: much credit card debt again? And like Tiffany said, the
Speaker 3: best way to do that is to shore up your
Speaker 3: your rainy day fund.
Speaker 2: Exactly exactly, you know, hopefully, you know, hopefully that's some
Speaker 2: good advice for you, and you will, Yeah, you'll, you'll,
Speaker 2: you'll save, create a great foundation for yourself, and then
Speaker 2: prosper forward by getting rid of that deck. Congratulations to you, Jazzy,
Speaker 2: yazzy yeazzy.
Speaker 3: All right, y'all, that is it for questions.
Speaker 2: And now it's time to boost to break for all
Speaker 2: our family. If you going booze, is you gonna break?
Speaker 2: What you're gonna do Mandy.
Speaker 3: I thought that I was going to come up with
Speaker 3: something better, but I thought I would do a boost.
Speaker 3: I mean, maybe this is best. But I don't know
Speaker 3: if you've watched yet, but the fresh principal Lair had
Speaker 3: a reunion on AHBO Max definitely worthy year. However long
Speaker 3: it is forty five minutes hour of your time. It
Speaker 3: was so I didn't realize how much I needed to
Speaker 3: heal from one Aunt Viv was kicked off the show,
Speaker 3: but I really didn't need to heal, and so did she.
Speaker 3: The actress who played Aunt Viv, whose name I am
Speaker 3: blinking on now, dang was her name?
Speaker 2: I'm so oh oh yes.
Speaker 3: Right, But that's the problem. We don't know her name
Speaker 3: because her career was ruined after you know, she had
Speaker 3: to leave the show. But I just loved that moment
Speaker 3: because Will surprises the cast. They're all, you know, sitting
Speaker 3: in the on the set, all the original cast, and
Speaker 3: it's with Aunt Viv two point oh is there, Hubert Janet? Yes,
Speaker 3: thank you, thank you, thank you. So first of all,
Speaker 3: she is still gorgeous, blasting that crack. I mean, we
Speaker 3: knew it when she was in that pink leotard, in
Speaker 3: that dance scene. We knew that she was like going
Speaker 3: to age like a fine wine, but she looks gorgeous
Speaker 3: and it was really nice to see her and will
Speaker 3: Bury the hatchet and have they I don't know their
Speaker 3: conversation that they had where it was like I coused
Speaker 3: you pain, you caused me pain. You didn't know what
Speaker 3: I was going through and you know he was young
Speaker 3: at the time. I've this year has been the year
Speaker 3: where I've had those types of conversations and it and
Speaker 3: I just thought it was so powerful. And if there's
Speaker 3: someone in your life who you haven't talked to in
Speaker 3: a long time, you had a falling out, you you
Speaker 3: exchange word, you hurt each other, and they're out of
Speaker 3: your life, but you want them back. I think it
Speaker 3: was a really beautiful moment. You know, even thirty years later,
Speaker 3: they could come back and and heal. So I really
Speaker 3: recommend watching that. And now I'm, you know, binging the
Speaker 3: French Fresh principal Air, which is not a bad way
Speaker 3: to spend my holiday week.
Speaker 2: No.
Speaker 1: I thought it looked amazing and I'm it did seem
Speaker 1: like I haven't watched it, but it did seem like,
Speaker 1: you know, she was going through a lot, and he
Speaker 1: was really really young, and neither one of them behave
Speaker 1: perfectly and so just to see them come together to
Speaker 1: both acknowledge that but then also acknowledge that, you know,
Speaker 1: here's where we could have done better, but here's where
Speaker 1: we are now. I'm just like, honest say, I had
Speaker 1: all the fields. I was like, yay, this is this
Speaker 1: is lovely. So I'm definitely I was like, I didn't
Speaker 1: need enough streaming service, but I guess for this, I'm
Speaker 1: gonna I'm gonna get it. I'm not gonna lie. And
Speaker 1: also too, Nicki Minajs has the docuseries coming out, and
Speaker 1: I kind of want to know her business, so I'm
Speaker 1: gonna get it.
Speaker 2: For that too. Was it about her? Yes, I kind of.
Speaker 1: I like watching documentaries on you know, like kind of
Speaker 1: like current people to see how they navigate, Like Beyonce
Speaker 1: has a number of them, and I'm always fascinated, like, wow.
Speaker 3: She does enough. There's enough.
Speaker 2: There's never enough.
Speaker 3: I still do behind the music on VH one that
Speaker 3: was my jam they used to.
Speaker 2: I don't know, but it's really good to see.
Speaker 1: I love stuff like that, like I don't I'm not
Speaker 1: even to talking about like you said, the pretty stuff.
Speaker 1: I like to know, like you know, the the Tea,
Speaker 1: not for gossip sake, but for learning sake.
Speaker 2: So it's just and I don't.
Speaker 3: Think there's enough out there about black figures in history
Speaker 3: and their flaws and what they went through. Because we're
Speaker 3: watching the Crown this week or this weekend rather, and
Speaker 3: it's you know, it's the Princess Diana season. Everyone's like
Speaker 3: flipping out, and I'm like, we have told this woman's
Speaker 3: story one hundred million times, Like I know her shoe size,
Speaker 3: I know way too much about her, like and I mean,
Speaker 3: it's a compelling story, but like why is it so?
Speaker 3: Why is she captured our hearts in this way? And
Speaker 3: you know, and of course she's beautiful, princess blonde and
Speaker 3: blue whited all that, But I'm like, where are the
Speaker 3: other We need more? We need more or more? Yeah,
Speaker 3: there's got to be other stories out there to be told.
Speaker 2: How do you like it?
Speaker 1: Like, I'm gonna boosty breaky. I'll start with the break.
Speaker 1: It's a little like so I've seen this happen a
Speaker 1: couple of times, and I was kind of conflicted. So
Speaker 1: there's somebody who's following me on ig but I noticed recently,
Speaker 1: there's an uptick of her in my comments chatting with folks.
Speaker 1: She she teaches financial education as well. It's literally like
Speaker 1: her buyo financial education and power women.
Speaker 2: It's cool.
Speaker 1: But I noticed that she was chatting with folks like
Speaker 1: my page was her page.
Speaker 3: Oh, she trying to go fishing. She's trying to fish
Speaker 3: on your peer.
Speaker 2: And at first I was like that people are shady.
Speaker 1: And at first I was like no, you know, because
Speaker 1: it was very like benign, like oh my gosh, congratulations,
Speaker 1: that's awesome, you know, like light things, or like oh,
Speaker 1: like maybe I wouldn't get a chance to answer a question.
Speaker 1: And she's like, oh no, no, you can go to
Speaker 1: experience dot com and check that out. So I'm like, okay,
Speaker 1: no problem, the problem And.
Speaker 3: Then I know, sorry, So I'm Tiffany's number two.
Speaker 2: So I let it slide and I'm gonna lie.
Speaker 1: I looked at it and I was like, oh, that's
Speaker 1: a little weird, but I mean this is good information.
Speaker 1: I don't always get a chance to answer all my questions.
Speaker 1: And it wasn't crazy. It was enough that I was like, oh,
Speaker 1: these are four or five different answers that you did today.
Speaker 1: And then recently, I posted something and she said, oh
Speaker 1: my gosh to me, congratulations, you're my inspiration blah blah blah.
Speaker 1: So then I felt like, oh, well, girl, she's just
Speaker 1: being nice. And then today Instagram was like, girl, let
Speaker 1: me let me hit you to something. Someone wrote, Hey, Tiffany,
Speaker 1: I just joined and I know I know she meant
Speaker 1: she joined the Literature Academy. I just joined, but I'm
Speaker 1: not really sure where to start. Super excited, so she
Speaker 1: goes in and it's giving her all this information about, oh,
Speaker 1: first start with your budgets and that, and Liddy was like,
Speaker 1: what are you talking about. I'm talking to Tiffany and
Speaker 1: I'm talking about I joined her online school. And Lady's like, oh, well,
Speaker 1: in case you do want something else, you can always
Speaker 1: DM me girl with a quickness.
Speaker 2: Yes.
Speaker 1: And then so before now I felt hesitant. I said,
Speaker 1: I don't want to be a hater people. You know,
Speaker 1: people help people.
Speaker 2: You can DM me, ma'am. And so I just blocked her.
Speaker 2: I felt I'm not glad.
Speaker 1: I still felt kind of bad about it, but that
Speaker 1: was it, like, don't do that, y'all, Finn book. Yes,
Speaker 1: I'm all for you know, being in comments and being helpful,
Speaker 1: and sometimes I do that, Like, for example, somebody might
Speaker 1: say something like, let's just say I'm in you know,
Speaker 1: not that I go to the shade Room Instagram. I do,
Speaker 1: and let's just say it's a financial post.
Speaker 2: It rarely is.
Speaker 1: And then someone says something, I might say, oh, you know,
Speaker 1: you know you can. I might give a little bit
Speaker 1: of an advice, but I'm not going to be like,
Speaker 1: go to my website. But every once in a while
Speaker 1: that'll come up where I'll see something and it's so
Speaker 1: quick like, oh no, girl, that's not true.
Speaker 2: Your credit score is not gonna affected by that.
Speaker 1: I might say something like that, but to literally lay
Speaker 1: up in someone's comments and then to divert them from
Speaker 1: what they came to your thing, it said, no, no,
Speaker 1: I don't know if she listens to the podcast. And
Speaker 1: I'm such a punk because I still feel kind of
Speaker 1: bad about blocking her because I was.
Speaker 2: Like, maybe I should just be out and say, hey,
Speaker 2: that's not appropriate. I'm like, girl, are we five?
Speaker 3: She knows yeah, no, no, no, I think he did the
Speaker 3: right thing. I mean, also, it just it's I wish
Speaker 3: I could I'm trying to think of a really good analogy.
Speaker 3: But she is just trying to she's like a bottom feeder.
Speaker 2: I was like, she.
Speaker 1: Basically like I have a McDonald set up and she's
Speaker 1: she set up a barbecue grill outside my McDonald's.
Speaker 3: Like I, yes, yes, that is exactly I was thinking of,
Speaker 3: like ticket scalpers outside of like a stenium or something.
Speaker 3: Were like, how at any protest there's always the guy
Speaker 3: who selling the T shirts and the plates, like the
Speaker 3: you know, think about all the people hustling out there
Speaker 3: at the Joe Biden celebrations, Like all of a sudden
Speaker 3: there were shirts and plates to be sold, of course,
Speaker 3: but even that is but listen, if you're if you're
Speaker 3: going on the shade room, which listen, Instagram knows what
Speaker 3: I want to see and it's always a shade room first.
Speaker 3: But if you're going there, that's not a financial podcast,
Speaker 3: that's not a financial page. So it's not like they're
Speaker 3: offering you know, personal finance tips. So that's that's that's different.
Speaker 1: But I said, I don't really like, I'm not on
Speaker 1: the shame looking to answer financial questions just everyone, you know,
Speaker 1: something might randomly pop up, but yeah, so just don't
Speaker 1: do that, y'all. And if you're listening. Lady who are blocked.
Speaker 1: I'm not going to unblock you, but I will say,
Speaker 1: don't do that. It's not okay, don't do that. Don't
Speaker 1: people not a good one. But my my, my boost
Speaker 1: is super excited. I didn't even mention this because I'll
Speaker 1: be forgetting. But I applied for something called we Are
Speaker 1: the Culture. I don't even remember. I vaguely remember. It
Speaker 1: might have been months and months and months ago. It
Speaker 1: was through Facebook. Facebook said that they want to amplify
Speaker 1: black and brown voices and as relates to creators, and
Speaker 1: so I I vaguely remember applying for it and I
Speaker 1: got it. So it's a year long partnership with Facebook.
Speaker 1: And I just create content like I normally would, but
Speaker 1: I have to. I do it basically for Facebook, and they,
Speaker 1: you know, they they support it.
Speaker 2: So you'll see it on IG you'll see it on Facebook.
Speaker 1: So I was trying to figure out, like, what was
Speaker 1: I gonna do versus because you could do literally.
Speaker 2: Whatever you want.
Speaker 1: So I decided to come up with a new series
Speaker 1: specifically for this, so you guys would know, Oh, this
Speaker 1: is the this is the Facebook series. It's called the
Speaker 1: budget needs to breakdown, you know, They're usually about five
Speaker 1: or six minutes, and I break down a term or
Speaker 1: something that's happening in the news, or a question that
Speaker 1: you guys some might have asked me. But yeah, I
Speaker 1: just I break it down and I try to keep
Speaker 1: it short and fun and brief. And just like Brianna Mission,
Speaker 1: it does not have a theme song either.
Speaker 2: I sing in the beginning.
Speaker 1: Literally, I say, the budget needs to breakdown. Please, somebody
Speaker 1: send me a song. I'm not gonna lie. A few
Speaker 1: people send me some songs.
Speaker 3: You know, songs is okay, just a cold open.
Speaker 2: Some of the songs, I'm not gonna lie. I'll just tried.
Speaker 3: Just why don't you started with short time synergy? That's
Speaker 3: how she said it.
Speaker 2: Oh my god. Some of the songs y'all got me.
Speaker 1: First of all, one song, you know, not to be
Speaker 1: shady because if you're listening, but we cannot take Michael
Speaker 1: Jackson's I Want to Rock with You and make it
Speaker 1: the Budget's song.
Speaker 2: G you trying to get me? So yeah, So I'm
Speaker 2: excited about it.
Speaker 3: So that's really cool and shout out. I love that
Speaker 3: Facebooks doing that. I did not know that that is awesome.
Speaker 3: So well, and so it's not like a sponsored thing.
Speaker 3: It'll be so okay mm hmm.
Speaker 2: So but you'll see it, like, you know, like it
Speaker 2: won't look any different than my other content. You'll just
Speaker 2: see more video to me. At least once a week,
Speaker 2: you'll see a.
Speaker 1: Video where I'm breaking stuff down, and you are free
Speaker 1: in the comments to let me know what you want
Speaker 1: to break down, because I keep a list of them
Speaker 1: and then I take them and I you know, so
Speaker 1: it's not gonna look any different than my normal, Like
Speaker 1: I'm not.
Speaker 2: It's gonna be on IG.
Speaker 1: And Facebook, but it'll just be labeled budgeties to break
Speaker 1: down and I'll like, I think this past week I
Speaker 1: broke down. I still have the breakdown taxes as it
Speaker 1: relates to personal taxes and business taxes.
Speaker 2: I broke down. Should you co sign?
Speaker 1: I broke down something that I call illustrate your oprah,
Speaker 1: which just means like illustrate your value in such a
Speaker 1: strong way you're undeniable. And so it's only been one
Speaker 1: month and so yeah, it's a year long thing, and
Speaker 1: I was just like really geek to get it.
Speaker 2: And I wanted to share the good news with y'all.
Speaker 3: Yeah, can't wait to check it out.
Speaker 2: The butet needs to breakdown. That's lovely. You know you're
Speaker 2: not like me. A little noation, little ration.
Speaker 3: Oh lord, Well the early Turkey Day and hopefully you
Speaker 3: get in the holiday spirit. Are you going to start
Speaker 3: decorating this week?
Speaker 2: Yes?
Speaker 1: I told the kids. They're super excited. We're going to
Speaker 1: decorate on Thanksgiving.
Speaker 2: So I'm excited. Thankfully.
Speaker 1: I went really it was my first Christmas Thanksgiving last year,
Speaker 1: so I went really crazy on the decorations, like as
Speaker 1: far as buying them. So I'm excited because I don't
Speaker 1: have to go out to the stores because I already
Speaker 1: have a nauseous amount of nauseating amount of Christmas decoration
Speaker 1: never enough.
Speaker 3: Also, you should watch the Christmas Home Makeover series on Netflix.
Speaker 3: It's a it's a feel good, fun type event. I
Speaker 3: can't wait to decorate, and I'm gonna put everything very high.
Speaker 3: But I am going to try to decorate so you know,
Speaker 3: I don't have any baby accidents. But I'm so excited.
Speaker 3: Ya yay, We'll have a good, safe Thanksgiving to all
Speaker 3: of you guys out there celebrating, you know, emphasize the
Speaker 3: word safe and distant. And we will see y'all after
Speaker 3: Turkey Day.
Speaker 2: Yes, bye bye bye