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

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Speaker 2: Boo boo bo.

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Speaker 3: Come on out.

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Speaker 1: Round and they should ambition And Amanda, I feel like

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Speaker 1: we haven't been in this stew together in a little while.

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Speaker 1: How are you?

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Speaker 2: I'm like the Chris Kirkpatrick of this singing duo, do

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Speaker 2: you know what I mean? Like the en Sync member

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Speaker 2: doing the least while like you, you're just not doing

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Speaker 2: like the whole life dance, just like bye, oh man,

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Speaker 2: did I see some flights flickering flickering? Or did I

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Speaker 2: see some lights flickering? Or am I having a see shirt?

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Speaker 1: No, let's hope neither.

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Speaker 2: But it was just how okay, okay, all right, it's fine,

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Speaker 2: everything is fine. Have you been I've been good. I

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Speaker 2: feel like I haven't seen you in ages.

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Speaker 1: What happened?

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Speaker 2: Oh my kid was yes, Oh god, we've been in enough.

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Speaker 2: Remy started daycare. I just it was so funny because

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Speaker 2: after the show where I came on the day that

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Speaker 2: he started daycare, I was just I was effusively happy.

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Speaker 2: You were annoyingly so I'm sure giddy af and I

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Speaker 2: had people who respond like send messages like we're so

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Speaker 2: happy for you. Da da da da da and then

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Speaker 2: you know, what goes up must come down, and that

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Speaker 2: just means daycare germs hit us with a vengeance last week,

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Speaker 2: poor kiddo. Yeah, so anyway, I lost a week of

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Speaker 2: work productivity. But I think you and I talked, and

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Speaker 2: it's the constant reminder that I'm privileged to be able

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Speaker 2: to just set aside the work and be there with

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Speaker 2: my kiddo and the one silver lining. And I think

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Speaker 2: a lot of moms with partners, might you know, might

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Speaker 2: not judge me too harshly for this, but I was like,

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Speaker 2: ooh when husband got sick too, I said, ooh, childcare.

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Speaker 2: So I was still able to do the podcast. But

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Speaker 2: you know, since the season, how are you, my little Daisy?

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Speaker 1: I know I'm going to keete lit okay, day, I

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Speaker 1: am good. I actually so I went to Boston because

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Speaker 1: I was a bastard. I was taping the Mail Robin's show,

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Speaker 1: which was amazing. She's so great, honestly, you put me on.

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Speaker 1: I'm still behind so super nice. It's like, who's Jesus

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Speaker 1: Christ Main. I didn't know this, but she she of

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Speaker 1: course you mentioned Brianna Vission. She had the number twenty

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Speaker 1: five podcast, No. Twenty one podcast of all podcasts, like

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Speaker 1: in the United States last year, no, no, no, I

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Speaker 1: think last year she was number five, but as of

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Speaker 1: right now, she's twenty one overall. So I was like,

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Speaker 1: oh my god, this is kind of a big demo being.

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Speaker 2: The number one book on Amazon. I feel like girl podcasts.

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Speaker 1: Yes, But when I was out there, actually had so

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Speaker 1: when I go different places, I try to have meetups

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Speaker 1: with my mentees, and so I had a meet up.

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Speaker 1: It was last minute, so two menties who were available.

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Speaker 1: We had dinner at this place.

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Speaker 2: Uh.

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Speaker 1: I stayed in this hotel called the Envoy and they

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Speaker 1: had like a restaurant below and they were both avid

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Speaker 1: Brian and Vishion listeners. So I told them Marcy and Tomisha,

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Speaker 1: don't get me even say your name. I'm sorry, girl, I.

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Speaker 2: Mean you're having a whole meal with her and still

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Speaker 2: and not me. But they were so the exact same thing.

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Speaker 1: But they were so excited. They're like, oh my god.

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Speaker 1: We listened to Brian and bishon Amanda. I said, I

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Speaker 1: love you got so much. I know, so I was like,

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Speaker 1: I'm gonna shout you out. They were like, I'm like,

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Speaker 1: it's your shadow. So that was really awesome. I love that.

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Speaker 2: Yeah, in Boston, let me say, because I've got several

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Speaker 2: Boston I just don't think of like Boston being the

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Speaker 2: capital for Black America. I don't think it is. But

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Speaker 2: I'm always like, ooh, black women in Boston, what's it like?

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Speaker 2: And I've got a variety of answers. But I know

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Speaker 2: this past summer, when one of my Mandy money makers

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Speaker 2: went to Boston for the Renaissance show there, she linked

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Speaker 2: up with she was just posted in the slack our

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Speaker 2: slack channel like any other Boston Makers is going to

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Speaker 2: be around, and they were able to meet up. And

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Speaker 2: I love that. It's like we've built these communities, so

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Speaker 2: now we get to go around and too and have

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Speaker 2: friends and like hang out.

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Speaker 1: Yes, it was great, honestly, we talked about money, talk

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Speaker 1: about businesses. It was just a really great conversation. But

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Speaker 1: I just love that people were like it was crazy

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Speaker 1: because I told you I went to Puerto Rico for

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Speaker 1: that ROI conference held by Rachel Rogers, and the woman

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Speaker 1: was like a brand A vision always always delights me,

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Speaker 1: not much insta but like, oh my god, Branda Vision,

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Speaker 1: which is always crazy to me because I'm just like

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Speaker 1: I don't know how many people actually watch us visually.

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Speaker 1: I feel like brown a vision.

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Speaker 2: Is more like, you know, like we have a lot

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Speaker 2: of YouTube. We're like a few thousand YouTube subscribers. I

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Speaker 2: think now by the way.

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Speaker 1: You know, I'm like, is that on YouTube? So I

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Speaker 1: never know, like, oh, okay, you warned. I know you

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Speaker 1: listen because the girls listening according to our numbers.

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Speaker 2: I don't know how much longer we're going to get

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Speaker 2: away with that whole Taylor Swift, you know, when she

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Speaker 2: used to get so much shit for being so humble,

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Speaker 2: Like I can't believe I won my thirty fifth Grammy. Wow,

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Speaker 2: you know little me, But come on, now, we've been

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Speaker 2: in the game for a minute.

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Speaker 1: Yeah, we weren't known for it.

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Speaker 2: Yeah, it's speaking of being in the game for a minute.

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Speaker 2: I told you. I woke up like I couldn't sleep

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Speaker 2: because Remy was up again. He was sick for some reason.

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Speaker 2: I was like, I wonder what I sounded like during

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Speaker 2: the pandemic with a baby, And I went back a

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Speaker 2: few years to our catalog and listen to the episodes

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Speaker 2: before and after that. I'm so grateful that we have

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Speaker 2: this show. It's like a time capsule and I do

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Speaker 2: think I sounded younger, but I also sounded so tired.

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Speaker 3: You know.

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Speaker 2: I was really struggling with anxiety then, and I was like, oh,

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Speaker 2: I forgot I cried in that episode. Anyway, show has

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Speaker 2: just been But what really cracked me out. The show's

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Speaker 2: been so great for so long. But what cracked me

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Speaker 2: up was that the this is back when I was

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Speaker 2: editing before Emani. We hadn't gotten our new podcast partner.

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Speaker 2: I forgot to cut the beginning of the show when

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Speaker 2: I was like, Okay, Tiffany, do it again, get closer

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Speaker 2: to the mic. So if you go back to that episode,

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Speaker 2: you're gonna hear some stage momming. And I sound stern too.

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Speaker 2: I'm like, dang I did. I was like, I sounded

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Speaker 2: like you had done it before.

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Speaker 1: First of all, I love it, you know what you

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Speaker 1: brought out? Like, do you remember I didn't? Really, you're

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Speaker 1: just saying it now. Remember there was like like a

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Speaker 1: year where every episode I'm tired, That's what like I

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Speaker 1: was saying, Yeah, Like, you just brought it back, and

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Speaker 1: I was just tired.

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Speaker 3: I didn't.

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Speaker 1: I was so overworked and overwhelmed, and it literally just

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Speaker 1: brought it back because I don't feel like that now.

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Speaker 1: But every opening we're like, hey girl, how you doing? Wow?

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Speaker 2: What a skip this question?

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Speaker 1: What a difference therapy makes? Like for real? Yes, I

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Speaker 1: was so overwhelmed worked. I was so overwhelmed. I didn't

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Speaker 1: not have said boundaries. So I felt like I was

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Speaker 1: always exhausted because I was. But I don't feel like that.

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Speaker 1: I just look now thinking about it, I'm like, Wow,

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Speaker 1: I used to always be tired, and I used to think,

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Speaker 1: is this how it always is? That You're just gonna

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Speaker 1: always be exhausted because business got you like this? And

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Speaker 1: I'm like, naw, I rebuke that.

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Speaker 2: So I rebuke it in the name of the Lord.

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Speaker 2: There's one thing that I said in that show that

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Speaker 2: really resonates with what you just said, which is when

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Speaker 2: I was going through that crazy, that like really difficult

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Speaker 2: postpartum time on the show, I was articulating it really well.

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Speaker 2: I said, I was pound the back. I said, right now,

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Speaker 2: the fog or the fog feels opaque, the fog feels

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Speaker 2: like it's never going to clear. But and then a

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Speaker 2: week later, I'm like, the fog or however long. A

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Speaker 2: couple of weeks later, I had started seeing a psychiatrist,

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Speaker 2: my therapist more regularly, and I was like, okay, so

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Speaker 2: the difference is the fog feels like eventually it will lift,

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Speaker 2: like I see the other side, which is so it

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Speaker 2: just is so indicative of how when you're in this

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Speaker 2: like depressive episode or anxiety spiral, do you feel like

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Speaker 2: it's going to always be that way or can you

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Speaker 2: get yourself to a place where you at least recognize

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Speaker 2: this is a moment in time, it will pass. And

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Speaker 2: once I once that clicked for me, that helps so

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Speaker 2: much with any kind of and those anxiety loops that

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Speaker 2: those little rides I go on sometimes because we're never

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Speaker 2: for me, I'm never perfectly un anxious. You know, it's

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Speaker 2: always going to come back. There's going to be life.

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Speaker 2: Life is always going to life. But what really has

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Speaker 2: carried me through those times is just like, Okay, this

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Speaker 2: is not forever. Don't get in that spiral of like

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Speaker 2: shout out to.

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Speaker 1: Growth, I know, like the Kelly Growth. We're doing the

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Speaker 1: Kelly hands from well I speaking of growth and good news.

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Speaker 1: Me and Mandy we're talking with line as we always

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Speaker 1: zoop for this about Wall Street Journal, that awesome article.

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Speaker 2: Oh yeah, let's read that headline because I had not

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Speaker 2: seen this yet because I listen. I don't subscribe to.

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Speaker 1: The Low Street either, but I just saw a lot

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Speaker 1: of people posting it.

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Speaker 2: Black investors Yeah, oh you go you read no.

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Speaker 1: No, no, god, oh, they they're so polite.

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Speaker 2: Black investors are the biggest new group of stock buyers.

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Speaker 2: Nearly forty percent of Black Americans own stocks in twenty

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Speaker 2: twenty two, up from just under a third and twenty sixteen,

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Speaker 2: according to the Federal Reserve. That's that's like almost a

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Speaker 2: ten point Can I do math? It's like an eight

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Speaker 2: or ten point, I don't know, increase. That's huge.

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Speaker 1: And so it says, like, let me see, why do

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Speaker 1: they think this is Let's see. Let's see it says

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Speaker 1: approximately seventy percent of surveys of survey of the survey's

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Speaker 1: black participants under forty were investing. Wow, so under forty,

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Speaker 1: it's seventy percent compared to sixty percent of their white

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Speaker 1: cow apart, hold up, why do you know? Yes, I'll

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Speaker 1: be that again. A survey by Aerial Investments in Charles

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Speaker 1: Schwap revealed that the growth is led by young investors

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Speaker 1: under forty, Approximately seventy percent of the surveys, black participants

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Speaker 1: under forty were investing compared to sixty percent of their

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Speaker 1: white counterparts. So they're even out pacing. Of course, we

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Speaker 1: don't know how long, I don't know how big the

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Speaker 1: survey sample sizes, but according to the survey, they're even

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Speaker 1: out pacing white investors. You're seeing topics of money and

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Speaker 1: investing coming up at dinner tables slightly more among young

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Speaker 1: black families than ever before. They feel like it's fueled

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Speaker 1: by mobile apps, commission free trading participation in four one

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Speaker 1: K crypto means stocks, and social media experts noted young

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Speaker 1: black investors increase access to financial tools and information. So

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Speaker 1: two things. One, look what happens when access is I mean,

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Speaker 1: because you know they love to tell you, oh, people

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Speaker 1: need to not buying Jordans or whatever Shenanigan, Right, Oh

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Speaker 1: you want to get that weaker, but you know what,

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Speaker 1: the weave can be bought as well. Yes, So what

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Speaker 1: happens is that one, we know that there was a

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Speaker 1: lack of access before, not only to like low cost investing,

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Speaker 1: but also to information. Something in here to me that

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Speaker 1: kind of I feel like they missed a mark on

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Speaker 1: is that it wasn't just like, oh, there are apps

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Speaker 1: and things like that, do you understand, Like we know

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Speaker 1: the people including ourselves that have like led the charge

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Speaker 1: of like access to financial education, but we're talking about

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Speaker 1: specifically investing during the pandemic. I mean Wall Street Chrapper

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Speaker 1: blew up earning your leisure with Market Mondays, especially Ian Dunlap,

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Speaker 1: the master investor Terry Ijama of Trade and Travels. She

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Speaker 1: she's been on the show, but also for two or

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Speaker 1: three years straight, she was the number one course creator

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Speaker 1: on the teachable platform. Yeah, Like, I mean, you know,

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Speaker 1: we both know Tila Hokum Many Broadway, who was making

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Speaker 1: eight figures a year teaching investing, especially the black women.

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Speaker 1: So there there is a cadre of black educators in

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Speaker 1: the space who were literally creating tools, products, resources that

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Speaker 1: help people to navigate what sometimes can be the scary

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Speaker 1: process of investing in the stock market. In the market. Yeah,

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Speaker 1: and so you got to learn from people who were

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Speaker 1: culturally relevant as well as experts in their space. That

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Speaker 1: part is important.

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Speaker 2: Not enough, yeah girl, right?

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Speaker 1: That culture right? So I just I like, so I

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Speaker 1: wish that they really leaned into that more and here

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Speaker 1: that it wasn't just the apps, because the act doesn't

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Speaker 1: the app's been here. It was that there was somebody

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Speaker 1: to explained to you in a way that made sense.

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Speaker 1: This is how you do it.

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Speaker 2: Give the black financial influencers their flowers. That is what

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Speaker 2: I'm saying. There is this. I remember doing an interview

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Speaker 2: for one of the oldest and crustiest and most high

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Speaker 2: row magazines, The Economist. Yeah, two years ago, was twenty

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Speaker 2: twenty one, and it was an article and then reporter

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Speaker 2: and I have a background in journalism, y'all know that,

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Speaker 2: so I understand what the angle was. They were trying

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Speaker 2: to do a story on TikTok influencers and is it

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Speaker 2: safe to get your advice from social media? And I

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Speaker 2: was listening to the questions from the writer and it

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Speaker 2: was clear that she was thinking, Oh, this is not

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Speaker 2: good because like, y'all aren't experts, you're not certified and

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Speaker 2: da da da da da, And that is the old

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Speaker 2: school traditional gatekeeping. Oh, but spent a lot of money

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Speaker 2: to get this, Like what we say is a valid expert,

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Speaker 2: a valid source of information. You know, this certified financial planner,

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Speaker 2: this investment advisor who's going to sell you a bunch

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Speaker 2: of insurance that you don't need so I think that

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Speaker 2: media is still coming around to the fact that there

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Speaker 2: is legitimate power, legitimate good that can come from the

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Speaker 2: wealth of like the you know, democratization of information, the

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Speaker 2: availability of it, and the fact that we're taking it

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Speaker 2: into our own hands and educating people who look like us.

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Speaker 2: And yeah, it's about dan time. I feel like we

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Speaker 2: get that validation. Not that we need it, but no

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Speaker 2: more of this. But is it really helpful? Is it

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Speaker 2: really safe?

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Speaker 1: Yeah?

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Speaker 2: I think the best educators, like all the people you named,

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Speaker 2: are giving well rounded yes, you know, information so that

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Speaker 2: people aren't out there taking huge risks. You know that

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Speaker 2: they shouldn't because we care about because they you know,

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Speaker 2: we are speaking to our audience and we happen to

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Speaker 2: care a lot about them, yes, and not doing a

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Speaker 2: bait and switch and not just taking their money and

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Speaker 2: running for the hills and saying good luck with that

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Speaker 2: we care and that you can't. It's hard to put

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Speaker 2: a price tag or a certification on that.

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Speaker 1: But because like, what's the alternative? Before you were locked

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Speaker 1: out of this space, and so now do I think like,

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Speaker 1: certainly discernment still has to be used no matter what.

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Speaker 1: That's what's so great that there are a the myriad

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Speaker 1: of people to listen to and you can compare and contrast, like,

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Speaker 1: well Terry said this, but master Investor said this. So

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Speaker 1: you know, what you're finding is a more educated consumer

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Speaker 1: who is asking questions now like well, why should I

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Speaker 1: just get that in the atf Well should I put

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Speaker 1: my money at the marketplace? Because here's the thing. So

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Speaker 1: there is this black millionaire. His name is Cedric Nash,

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Speaker 1: and he is on the road to make like a

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Speaker 1: thousand millionaires. And Cedric is just like this awesome guy

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Speaker 1: that I met, like at a conference some of the

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Speaker 1: years back and earn your leisures investments, and Cedric is like,

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Speaker 1: I have built wealth for myself to a place where

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Speaker 1: I really don't even have to work anymore, Like tremendous wealth.

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Speaker 1: Not like there's nothing wrong with a few million like me,

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Speaker 1: but I'm talking about will will you know? So Cedric

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Speaker 1: has been teaching these free classes that I've been like,

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Speaker 1: gonna be speaking at one of them every Monday. It

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Speaker 1: was speaking of it to Day's Monday, right, Yeah, that's right,

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Speaker 1: every Monday. No, but every Monday it's free and awesome.

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Speaker 1: Every Monday, Cedric just teaches a free class like, what's

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Speaker 1: a budget? I mean that bunch a budget, which is stock.

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Speaker 1: What's a bond? It's awesome. So the purpose of the channels. Yes,

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Speaker 1: it's fifty two weeks long, it doesn't cost anything. What

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Speaker 1: I love about it is that the purpose is you

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Speaker 1: kind of do this worksheet to see where your net

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Speaker 1: worth is and by the end you get to see, like,

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Speaker 1: my networth has grown. So he had people who took

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Speaker 1: the challenge last year who were taking it again. They

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Speaker 1: were like, it was so awesome, completely free. Cedric is

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Speaker 1: just like, I want to look around and see other

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Speaker 1: people like me on the private island, on the yacht,

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Speaker 1: you know, and that's what you so desire. And one

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Speaker 1: guy was on there was like I was able to

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Speaker 1: raise my net worth one hundred and forty seven percent

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Speaker 1: from before and it was awesome. So he's back for more.

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Speaker 1: So I say all that to say that, you know,

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Speaker 1: there are people are people who look like us out

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Speaker 1: here who are wanting what's best and are wanting to

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Speaker 1: share that information so other people have access. Because Cedric

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Speaker 1: is like, you know, my mentors didn't look like me,

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Speaker 1: and I wonder like, why are they're not more of

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Speaker 1: us here? And maybe it's just a lack of access

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Speaker 1: to education. And so I just love that there are

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Speaker 1: people out here who were just out here wanting what's

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Speaker 1: best for us. And so, yeah, you don't have to

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Speaker 1: navigate the space by yourself. There's so many financial educators

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Speaker 1: in general, but you know, more and more, you're seeing

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Speaker 1: more and more financial educators who are focusing on investing

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Speaker 1: in its most traditional sense, So you don't have to

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Speaker 1: like wonder, like what do I put? What do I

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Speaker 1: do with my four one k? Like Centric said something

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Speaker 1: really smart in last week's class. He said, there was

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Speaker 1: so much wealth loss because there was a mass exodus.

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Speaker 1: Studies show of black people from the market when the

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Speaker 1: recession hit two and eight one, yeah, and nine and

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Speaker 1: ten right, because all of a sudden market crash and

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Speaker 1: we were afraid because we didn't have the education, so

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Speaker 1: we pulled our money out.

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Speaker 2: Yeah, because we were.

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Speaker 1: Like, oh my gosh, I had ten thousand.

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Speaker 2: Now didn't have any money to pull out that baby, oky, So.

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Speaker 1: We pulled our money out, and a lot of us

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Speaker 1: pulled our money out to just you know, have access

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Speaker 1: to Like I pulled my money out just so I

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Speaker 1: could pay my mortgage, you know, because you know, so

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Speaker 1: we pulled our money out. He said, the problem is

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Speaker 1: between two thousand, like nine and two thousand, it was

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Speaker 1: like sixteen or seventeen or whatever. Nineteen it was the

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Speaker 1: longest bull run of this bock market in our history.

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Speaker 1: So a bull run is when the market yields. It

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Speaker 1: grows year after year after year. So when it's a bear,

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Speaker 1: the market is contracting, meaning like you're losing money. Bull

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Speaker 1: runs are when the market grows. So he said, we

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Speaker 1: had the longest bull worm in history. And guess who

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Speaker 1: wasn't in the market, My people, because we had pulled

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Speaker 1: our money out because and I mean I'm not I

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Speaker 1: was one of them. I didn't know. But folks understood

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Speaker 1: that like ooh, when there's a contraction, the market will

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Speaker 1: expand later, just stick with it. As a matter of fact,

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Speaker 1: put even more money in when things are low. And

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Speaker 1: so we didn't. And then what do we do. We

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Speaker 1: came back into the market twenty sixteen, seventeen after the

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Speaker 1: bull wing was over, when the market was back at

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Speaker 1: the high, and so we lost all of that potential

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Speaker 1: growth and income and wealth. And so when he said it,

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Speaker 1: I was like, wow.

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Speaker 2: Don't you see?

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Speaker 1: Oh, go ahead, go ahead, No, no, no, go ahead.

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Speaker 2: I was just going to bring it around to show

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Speaker 2: that even if you missed, it's not like you missed

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Speaker 2: an opportunity and that was it. Because then I do

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Speaker 2: feel like what this data shows is that we were

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Speaker 2: ready and educated for the post pandemic you know, bull market,

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Speaker 2: because the market tanked when the pandemic hit, but then

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Speaker 2: it was like gangbusters. Yes, yes, so it was the

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Speaker 2: right And I think that because a lot of the

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Speaker 2: experts today like yourself, who experienced that, went through it

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Speaker 2: and can say, okay, now we have the we felt

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Speaker 2: that we know what that's like, and still we're going

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Speaker 2: to do the the you know, the more intelligent way

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Speaker 2: of investing, the strategic way, and understand that these lulls happen,

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Speaker 2: but you don't want to miss out on the upside.

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Speaker 3: Yeah, right time. I know.

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Speaker 1: I'm just like, look at us, like, honestly, black folks,

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Speaker 1: I'm just if you're not black, you know, just come

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Speaker 1: on into the room. You can have some cake too. Well,

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Speaker 1: it's like this this is so salvatory, you know, like

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Speaker 1: look at us.

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Speaker 2: My daddy got his first four oh one k see

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Speaker 2: in the past, I opened it for him and he

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Speaker 2: recently asked me to check on it, and I was like,

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Speaker 2: you're up ten percent, look at you. Yeah, he's sixty.

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Speaker 2: So I'm just saying, for you late investors, there's no

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Speaker 2: such thing you have time. That's a really good segue, though,

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Speaker 2: because today's guest. Today's guest is someone who I met

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Speaker 2: a couple of years ago and is one of the

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Speaker 2: newer influencers like you were just saying, tip and specifically

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Speaker 2: is making huge waves and focusing on the Latina Latino

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Speaker 2: Hispanic market, I hate to say market, Hispanic community, and

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Speaker 2: is just doing extraordinary things. And I think in addition

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Speaker 2: to the strides that we've seen and black investing, I

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Speaker 2: want to know how's looking for all the minorities, you know,

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Speaker 2: for all of us over here who are making up

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Speaker 2: for lost time. So we're to be joined by Gigi Gonzalez.

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Speaker 2: You has a brand new book out called in Cash,

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Speaker 2: and she is going to be here live in the studio.

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Speaker 2: Look at that. Yeah, hold hey, hold it up. Let

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Speaker 2: people take a screenshot to watch it on YouTube. All right,

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Speaker 2: So we'll take a quick break and be right back

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Speaker 2: with our guest. Okay, hid, but.

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Speaker 1: We have to come back and say, oh, you know,

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Speaker 1: I've got a high school equivalent to Spanish. So although

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Speaker 1: Mandy speaks like she's straight the Midicanka, but I got

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Speaker 1: my little like me Nueva liber Liberal.

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Speaker 2: I love that you put the black s on the

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Speaker 2: end of Henday.

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Speaker 1: She said, Oh my god, it's like Shrimp's Walmart's aldis

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Speaker 1: write the black ass.

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Speaker 3: I am so to be in your presence, and I

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Speaker 3: remember thinking like, what if one day I get to

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Speaker 3: be on the brunt ambition? And I honestly thought I

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Speaker 3: was so out of my like reach because you guys

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Speaker 3: are so big and man day got to meet you

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Speaker 3: at fin Con, Tiffany, when you recently followed me, I

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Speaker 3: was like, oh my god. So I'm just very thankful

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Speaker 3: honestly to be here. I'm a big fan of both

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Speaker 3: of you.

431
00:22:15,920 --> 00:22:18,680
Speaker 2: Oh like wise, I was so sad I didn't get

432
00:22:18,680 --> 00:22:20,560
Speaker 2: to see y'all again at fin Con this year. But

433
00:22:20,640 --> 00:22:22,160
Speaker 2: you know, my honeymoon girl.

434
00:22:21,960 --> 00:22:28,240
Speaker 3: I had a good Excuseaby, Yeah, yeah, you had.

435
00:22:28,320 --> 00:22:29,359
Speaker 2: Yeah, you had a lot going on.

436
00:22:29,440 --> 00:22:32,119
Speaker 3: I had my honeymoon and overdue honeymoon, and Tiffany, you

437
00:22:32,359 --> 00:22:35,240
Speaker 3: boycott think on right if I remember.

438
00:22:35,080 --> 00:22:40,800
Speaker 1: No working on I'm like, let's just say I will

439
00:22:40,840 --> 00:22:42,800
Speaker 1: be kind of scared if I came around. Yeah, I

440
00:22:42,840 --> 00:22:45,680
Speaker 1: said the first year, I would, I would, girl, I

441
00:22:45,680 --> 00:22:46,840
Speaker 1: feel like they would score me off.

442
00:22:47,400 --> 00:22:49,440
Speaker 3: No, they wouldn't. I think they would make it right.

443
00:22:50,640 --> 00:22:50,800
Speaker 1: Yeah.

444
00:22:50,840 --> 00:22:52,680
Speaker 2: Yeah, there's enough of the news.

445
00:22:52,880 --> 00:22:53,080
Speaker 3: Yeah.

446
00:22:53,480 --> 00:22:55,960
Speaker 2: Yeah, people to they would be lucky to have.

447
00:22:56,440 --> 00:22:57,240
Speaker 1: I like fin Con.

448
00:22:57,320 --> 00:23:01,000
Speaker 2: Yeah, if you want to be treated like the first lady,

449
00:23:01,440 --> 00:23:04,960
Speaker 2: I think you should go because you don't understand Tiffany,

450
00:23:05,320 --> 00:23:10,200
Speaker 2: you are.

451
00:23:07,280 --> 00:23:09,280
Speaker 1: The queen of.

452
00:23:13,160 --> 00:23:17,280
Speaker 2: Everybody looks. I don't You're just gonna be you just

453
00:23:17,359 --> 00:23:19,720
Speaker 2: have to like have a no hug sign and.

454
00:23:19,720 --> 00:23:24,240
Speaker 1: Just maybe I will. Maybe I will go back because

455
00:23:24,240 --> 00:23:27,280
Speaker 1: I would like what I love about Finn one. The

456
00:23:27,320 --> 00:23:29,040
Speaker 1: breakout sessions are great, but I don't see the people

457
00:23:29,040 --> 00:23:31,199
Speaker 1: aren't just really amazing. Like that's where I met all

458
00:23:31,200 --> 00:23:33,199
Speaker 1: my financial mestide, that's where me and Manny started to

459
00:23:33,200 --> 00:23:33,560
Speaker 1: go together.

460
00:23:33,840 --> 00:23:35,240
Speaker 3: I love that I didn't know that.

461
00:23:35,119 --> 00:23:39,000
Speaker 1: I propose, Yeah, that's origin story a podcast and I

462
00:23:39,040 --> 00:23:43,840
Speaker 1: was like, I don't know what that is, but okay.

463
00:23:42,720 --> 00:23:46,080
Speaker 3: I love that I didn't know that that's magic. Wow.

464
00:23:46,440 --> 00:23:50,480
Speaker 1: Yes, but honestly I would love to learn, Like, okay,

465
00:23:50,520 --> 00:23:52,960
Speaker 1: so like more about kind of like your history. How'd

466
00:23:52,960 --> 00:23:57,440
Speaker 1: you get here. Yeah, like, what's the Brown and your Ambition?

467
00:23:57,560 --> 00:23:59,040
Speaker 1: Like yeah, like, cause, first of all, I was like

468
00:23:59,040 --> 00:24:03,679
Speaker 1: Eva Longoria, Wow, oh you to come out swinging?

469
00:24:04,640 --> 00:24:09,080
Speaker 3: Who is she dm me a video too? I don't

470
00:24:09,080 --> 00:24:11,280
Speaker 3: know if you got to see that I share that recently.

471
00:24:11,800 --> 00:24:12,040
Speaker 1: Yeah.

472
00:24:12,119 --> 00:24:14,119
Speaker 3: Yeah, So people like to say we're besties, but she

473
00:24:14,160 --> 00:24:16,320
Speaker 3: doesn't follow me back yet. So until she follows me back,

474
00:24:16,359 --> 00:24:17,720
Speaker 3: I can't claim that we're besties.

475
00:24:19,280 --> 00:24:22,600
Speaker 2: I have followed your relationship, your relationship, Can I call

476
00:24:22,640 --> 00:24:24,879
Speaker 2: it that with Eva Longoria from when you went to

477
00:24:24,920 --> 00:24:28,720
Speaker 2: her screening? Yes? And I anyway, but yeah, what Tiffany said,

478
00:24:28,760 --> 00:24:30,680
Speaker 2: tell us all about you, Gigi, and about the book

479
00:24:30,680 --> 00:24:32,000
Speaker 2: and everything you have going awesome.

480
00:24:32,119 --> 00:24:34,080
Speaker 3: Thank you both so much, and again, I'm honored to

481
00:24:34,080 --> 00:24:36,240
Speaker 3: be on the Brown Ambition podcast. I am such a

482
00:24:36,240 --> 00:24:38,480
Speaker 3: big fan. For those that don't know me, my name

483
00:24:38,520 --> 00:24:41,280
Speaker 3: is Giovanna Gonzalez, but most people know me as Gigi

484
00:24:41,480 --> 00:24:45,240
Speaker 3: or the first gen Mentor. I'm a TikTok influencer, speaker

485
00:24:45,359 --> 00:24:50,360
Speaker 3: and now the author of the best selling book and Cash.

486
00:24:50,440 --> 00:24:52,439
Speaker 3: So I'm so excited to be here and talk all

487
00:24:52,480 --> 00:24:55,560
Speaker 3: things money. But let's see, how did I get my start?

488
00:24:56,320 --> 00:24:58,760
Speaker 3: I think like most of us that are in the space.

489
00:25:00,200 --> 00:25:03,720
Speaker 3: We started in the traditional corporate route, at least that's

490
00:25:03,800 --> 00:25:07,240
Speaker 3: my story. I did things as I was told, right,

491
00:25:07,160 --> 00:25:09,399
Speaker 3: I go to college, get a good degree, get a

492
00:25:09,480 --> 00:25:12,199
Speaker 3: nice office job. So I did that. I majored in

493
00:25:12,200 --> 00:25:16,159
Speaker 3: economics when teach Santa Barbara go Gauchos, and then I

494
00:25:16,200 --> 00:25:18,840
Speaker 3: got a job, first in insurance, then I switched to

495
00:25:18,880 --> 00:25:21,320
Speaker 3: investment management, where I spent the majority of my career

496
00:25:22,320 --> 00:25:26,480
Speaker 3: and during my twenties, even though I was making decent money,

497
00:25:26,600 --> 00:25:30,800
Speaker 3: I still struggled a lot with money, which was really

498
00:25:30,800 --> 00:25:33,120
Speaker 3: frustrating to me because I'm like, I did everything right.

499
00:25:33,280 --> 00:25:34,760
Speaker 3: You guys told me to go to school, you told

500
00:25:34,800 --> 00:25:36,320
Speaker 3: me to get a good job. Why am I still

501
00:25:36,359 --> 00:25:40,000
Speaker 3: laying patrick to paycheck and living in financial chaos? And

502
00:25:40,119 --> 00:25:42,439
Speaker 3: it's then that I realized that it was because I

503
00:25:42,560 --> 00:25:45,800
Speaker 3: wasn't managing the money that I had a well, and

504
00:25:45,840 --> 00:25:49,520
Speaker 3: that was because obviously the education system doesn't teach us

505
00:25:49,520 --> 00:25:53,000
Speaker 3: this stuff. And I'm the daughter of Mexican immigrants. My

506
00:25:53,440 --> 00:25:56,160
Speaker 3: parents were living in survival mode, so they really didn't

507
00:25:56,200 --> 00:25:59,560
Speaker 3: have the space to pass any sort of financial teachings

508
00:25:59,560 --> 00:26:01,560
Speaker 3: to me, and they were learning the new system all

509
00:26:01,600 --> 00:26:04,280
Speaker 3: on their own. So that's when I kind of had

510
00:26:04,280 --> 00:26:06,119
Speaker 3: that wake up moment of like, oh, I need to

511
00:26:06,200 --> 00:26:08,280
Speaker 3: learn how this stuff works, otherwise I'm always going to

512
00:26:08,280 --> 00:26:11,320
Speaker 3: be on the struggle bus. And uh. The way that

513
00:26:11,359 --> 00:26:14,800
Speaker 3: I did that was I consumed as many money books

514
00:26:14,880 --> 00:26:17,760
Speaker 3: as I could. I read over fifty personal finance books

515
00:26:18,040 --> 00:26:21,520
Speaker 3: until I felt that I mastered the language. And then

516
00:26:21,560 --> 00:26:24,000
Speaker 3: once I learned what I learned, I implemented my financial

517
00:26:24,080 --> 00:26:26,680
Speaker 3: plan to get out of debt, build my investing, all

518
00:26:26,680 --> 00:26:29,840
Speaker 3: that good stuff. But there was definitely a fire inside

519
00:26:29,880 --> 00:26:33,359
Speaker 3: me that was mad. I'm like, why wasn't I given

520
00:26:33,440 --> 00:26:37,400
Speaker 3: this information before? Like I wasted years that I could

521
00:26:37,400 --> 00:26:41,040
Speaker 3: have been moving differently. So I looked to share this

522
00:26:41,160 --> 00:26:44,360
Speaker 3: new knowledge with other women of color, and I got

523
00:26:44,359 --> 00:26:47,160
Speaker 3: in touch with the White WCA SO nonprofit destors women

524
00:26:47,200 --> 00:26:51,000
Speaker 3: of color, and I became a volunteer financial educator. So

525
00:26:51,040 --> 00:26:53,639
Speaker 3: that was my life for a long time. In twenty nineteen,

526
00:26:53,640 --> 00:26:56,200
Speaker 3: I was a corporate boddy working in my investment management job,

527
00:26:56,640 --> 00:26:58,720
Speaker 3: and then on the side I was volunteering and it

528
00:26:58,800 --> 00:27:01,880
Speaker 3: was my passion and I love doing it. But all

529
00:27:01,920 --> 00:27:04,600
Speaker 3: of that changed in March of twenty twenty one, when

530
00:27:04,640 --> 00:27:08,800
Speaker 3: I started putting TikTok content on financial tips, so similar

531
00:27:08,880 --> 00:27:10,919
Speaker 3: to how I was already doing in my community. I

532
00:27:10,960 --> 00:27:14,800
Speaker 3: started sharing this content on TikTok, and because of the

533
00:27:14,840 --> 00:27:17,400
Speaker 3: bigness of the Internet, that took a life of its

534
00:27:17,520 --> 00:27:20,760
Speaker 3: own and I became the first gend mentor. This all

535
00:27:20,760 --> 00:27:23,720
Speaker 3: happened in March of twenty twenty one. I quit my

536
00:27:23,800 --> 00:27:27,280
Speaker 3: job three months later. A lot of people were like, wow,

537
00:27:27,320 --> 00:27:29,040
Speaker 3: that's so fast. Were were just like dying to be

538
00:27:29,080 --> 00:27:31,920
Speaker 3: a content creator? Absolutely not. I love my job. I'm

539
00:27:31,960 --> 00:27:33,919
Speaker 3: one of the rare people actually liked my job. I

540
00:27:34,000 --> 00:27:36,560
Speaker 3: like my boss, but I wasn't allowed to be a

541
00:27:36,600 --> 00:27:40,880
Speaker 3: TikToker and to be working in my very old school

542
00:27:40,960 --> 00:27:42,959
Speaker 3: traditional job. So I had to make a choice.

543
00:27:43,160 --> 00:27:45,800
Speaker 2: Could you even invest working in you? Because some people

544
00:27:45,840 --> 00:27:47,640
Speaker 2: don't even get to invest, which is.

545
00:27:48,160 --> 00:27:50,480
Speaker 3: You do, but you have to get your transactions approved

546
00:27:50,480 --> 00:27:53,440
Speaker 3: ahead of time, so it takes like a two day delay. Yeah. Yeah,

547
00:27:53,480 --> 00:27:55,960
Speaker 3: everything has. It's very very regulated, as it should be,

548
00:27:56,119 --> 00:28:00,440
Speaker 3: as it should be. I wish our contest was that regulated. Honestly,

549
00:28:00,720 --> 00:28:01,160
Speaker 3: let's talk.

550
00:28:01,080 --> 00:28:04,200
Speaker 1: About that on podcast.

551
00:28:04,640 --> 00:28:06,879
Speaker 3: But buddy, who's yeah, so I've been I quit my

552
00:28:07,040 --> 00:28:10,080
Speaker 3: job in June of twenty twenty one and I've been

553
00:28:10,080 --> 00:28:11,840
Speaker 3: doing this for two and a half years now, and

554
00:28:12,119 --> 00:28:14,639
Speaker 3: I love it and I'm making an impact. I'm starting

555
00:28:14,680 --> 00:28:16,639
Speaker 3: my community, and I know that I'm living in my purpose.

556
00:28:16,720 --> 00:28:19,359
Speaker 3: And I've met so many amazing, like minded women like

557
00:28:19,400 --> 00:28:21,720
Speaker 3: you too. So it's it's just I can't believe this

558
00:28:21,760 --> 00:28:23,320
Speaker 3: in my life. I still get to pinch myself.

559
00:28:24,800 --> 00:28:26,359
Speaker 2: I think it's so great because you're part of this

560
00:28:26,440 --> 00:28:32,679
Speaker 2: new class of Latina or Latino you know, financial educators.

561
00:28:32,960 --> 00:28:34,479
Speaker 2: What's what's the right thing to say is to ask

562
00:28:34,800 --> 00:28:38,240
Speaker 2: latino latina. Honestly, it seems to me saying LATINX. No,

563
00:28:38,280 --> 00:28:39,200
Speaker 2: we do not mean something.

564
00:28:39,200 --> 00:28:41,880
Speaker 3: Like no, we're not saying LATINX because people will throw hands.

565
00:28:41,960 --> 00:28:45,400
Speaker 3: They can they Oh my goodness, they Okay, we hate that. Yeah,

566
00:28:45,440 --> 00:28:49,360
Speaker 3: I hate that too. So you're probably say saying hispanic

567
00:28:49,600 --> 00:28:53,880
Speaker 3: or Latino. I like to say Latine because that's exclusive,

568
00:28:54,080 --> 00:28:57,880
Speaker 3: that includes you know, non binary folks. But people will still.

569
00:28:57,680 --> 00:28:58,680
Speaker 2: Find me that's what I'm trying.

570
00:28:59,280 --> 00:29:02,280
Speaker 3: Latina's Yeah, but people will still find also.

571
00:29:02,280 --> 00:29:04,880
Speaker 2: Don't want to assume your gender because the Latina I'm like, oh,

572
00:29:06,840 --> 00:29:07,800
Speaker 2: is that her? Know?

573
00:29:08,520 --> 00:29:09,000
Speaker 3: She her?

574
00:29:09,120 --> 00:29:14,040
Speaker 2: Okay, listen, better to sound dumb asking the question, y'all

575
00:29:14,120 --> 00:29:18,080
Speaker 2: than to be dune to not ask right anyway, this

576
00:29:18,120 --> 00:29:22,480
Speaker 2: new class of Latine influencers and educators, because there were

577
00:29:22,520 --> 00:29:25,600
Speaker 2: I mean were there back in back in two thousand

578
00:29:25,680 --> 00:29:29,960
Speaker 2: and forty when Divany and or Hidingnestly it feels like

579
00:29:30,000 --> 00:29:33,760
Speaker 2: there were barely any black educators at the time, let alone,

580
00:29:33,800 --> 00:29:36,120
Speaker 2: or maybe I just wasn't looking, but for sure at

581
00:29:36,120 --> 00:29:39,480
Speaker 2: FINCN twenty twenty one or twenty twenty two, yeah, twenty two,

582
00:29:39,480 --> 00:29:41,640
Speaker 2: when I was there, it was I mean, it's you.

583
00:29:41,720 --> 00:29:46,160
Speaker 2: We got Genice. Now we have stephaniquin Zalez, Like, there's

584
00:29:46,240 --> 00:29:48,720
Speaker 2: just these really great like forgetting.

585
00:29:48,400 --> 00:29:54,280
Speaker 3: A bar, we bravely go, Maribell from mar Matters, Maria

586
00:29:54,360 --> 00:29:57,120
Speaker 3: fir Living. There's a lot of wonderful women, And I

587
00:29:57,120 --> 00:30:02,040
Speaker 3: don't think it's any best in Latino. Which one, Yes,

588
00:30:02,160 --> 00:30:05,160
Speaker 3: investing Latina, I've had, I've gotten to me have finn Con. Yeah,

589
00:30:05,160 --> 00:30:06,960
Speaker 3: a lot of wonderful women, and I don't think it's

590
00:30:06,960 --> 00:30:09,320
Speaker 3: any surprise that it's recent because I think a lot

591
00:30:09,320 --> 00:30:14,600
Speaker 3: of us kind of uh awakened after George Floyd, the

592
00:30:14,720 --> 00:30:17,440
Speaker 3: murder of George Floyd, and we're like, Okay, we need

593
00:30:17,480 --> 00:30:20,800
Speaker 3: to show up as ourselves and stop playing small and

594
00:30:20,840 --> 00:30:23,560
Speaker 3: take up space. So I think that definitely motivated me

595
00:30:23,640 --> 00:30:25,600
Speaker 3: to be louder. And I'm here and I have my

596
00:30:25,640 --> 00:30:27,200
Speaker 3: own issues to talk about and I don't care if

597
00:30:27,240 --> 00:30:28,440
Speaker 3: you don't want to listen to them, but I want

598
00:30:28,440 --> 00:30:32,200
Speaker 3: to talk about them.

599
00:30:30,680 --> 00:30:31,959
Speaker 2: And you're fully embracing.

600
00:30:32,520 --> 00:30:37,000
Speaker 1: Go ahead, Sorry, Mandy, What do you think is like uniquely?

601
00:30:37,720 --> 00:30:40,520
Speaker 1: There are some things that like are uniquely I feel

602
00:30:40,520 --> 00:30:44,520
Speaker 1: like the black experience brings out there are some unique

603
00:30:45,200 --> 00:30:48,360
Speaker 1: challenges that like being black presents itself when it comes

604
00:30:48,400 --> 00:30:51,760
Speaker 1: to you know, financial like access, right, Like we know

605
00:30:51,800 --> 00:30:54,080
Speaker 1: that there's a black wealth gap, we know that there's

606
00:30:54,120 --> 00:31:01,000
Speaker 1: red lining. There's just like this uh visceral racism that

607
00:31:01,080 --> 00:31:04,760
Speaker 1: even now, I mean like a social media friend of

608
00:31:04,800 --> 00:31:07,080
Speaker 1: mine has something called the Fearless Fun that just raises

609
00:31:07,080 --> 00:31:10,080
Speaker 1: money for black women in entrepreneurship, and they suit her

610
00:31:10,840 --> 00:31:13,800
Speaker 1: to say, no, you can't do that, and so there's

611
00:31:13,840 --> 00:31:18,040
Speaker 1: just this like campaign against black people getting ahead. But

612
00:31:18,280 --> 00:31:22,760
Speaker 1: I love that, Like you know, Cultura.

613
00:31:21,760 --> 00:31:30,080
Speaker 4: Cash, Okay, let's cool, cool cool, oh cool, okay, cool Toura,

614
00:31:30,160 --> 00:31:33,240
Speaker 4: Yeah there you go, Okay, cool Toura.

615
00:31:33,760 --> 00:31:36,000
Speaker 1: Meanwhile, my my my niece meet me. I didn't even

616
00:31:36,000 --> 00:31:39,520
Speaker 1: tell you this of Mandy. So my I have I

617
00:31:39,560 --> 00:31:41,640
Speaker 1: have two nieces, but one of them goes to a

618
00:31:41,680 --> 00:31:43,560
Speaker 1: school that is like I want to say, like sixty

619
00:31:43,640 --> 00:31:48,120
Speaker 1: or seventy percent Latine, right, and so all her friends,

620
00:31:48,200 --> 00:31:50,360
Speaker 1: like her best friend. I forget her little best friend's names.

621
00:31:50,440 --> 00:31:52,040
Speaker 1: So anyway, she told her mother, my niece is six.

622
00:31:52,240 --> 00:31:53,800
Speaker 1: She said, oh, mommy, for my birthday, I want to

623
00:31:53,840 --> 00:31:59,480
Speaker 1: go to DR. I was like, where is DR. She's

624
00:31:59,480 --> 00:32:02,480
Speaker 1: all women's the public. I was like, what do you

625
00:32:02,480 --> 00:32:04,640
Speaker 1: know about? But she said her best friend. She's like,

626
00:32:04,640 --> 00:32:06,520
Speaker 1: that's what she's from. And she says so beautiful. I

627
00:32:06,600 --> 00:32:08,479
Speaker 1: just because I just came back from perto Rica. So

628
00:32:08,520 --> 00:32:10,520
Speaker 1: she was like, girl, the girls be going out. I

629
00:32:10,600 --> 00:32:12,560
Speaker 1: want to go to And I love that because her

630
00:32:12,680 --> 00:32:15,760
Speaker 1: accent because like when she starts sitting, says certain Spanish

631
00:32:15,800 --> 00:32:18,440
Speaker 1: word is so on potant because at school, like she's

632
00:32:18,480 --> 00:32:20,240
Speaker 1: only hearing it the correct way. So anyway, I just

633
00:32:20,280 --> 00:32:23,560
Speaker 1: thought that was not the girl.

634
00:32:24,080 --> 00:32:24,600
Speaker 3: She knows what.

635
00:32:26,440 --> 00:32:30,960
Speaker 1: Wait till she finds the internet, right, But I just like,

636
00:32:31,200 --> 00:32:34,360
Speaker 1: what you know? You wrote this book who touur Cash?

637
00:32:34,720 --> 00:32:38,400
Speaker 1: And like, so what unique experiences you know? Do you

638
00:32:38,440 --> 00:32:41,400
Speaker 1: recognize as being a Latine yourself that you bring to

639
00:32:41,440 --> 00:32:43,760
Speaker 1: the table when it comes to personal finance, Like why

640
00:32:43,840 --> 00:32:46,480
Speaker 1: should there be because somebod somebody might say like, well,

641
00:32:46,840 --> 00:32:47,680
Speaker 1: why is it black?

642
00:32:47,800 --> 00:32:48,040
Speaker 2: You guys?

643
00:32:48,160 --> 00:32:51,200
Speaker 1: Why are guys talking about Latine? Why gay or LB like?

644
00:32:51,200 --> 00:32:52,600
Speaker 1: But what is it like? What are some of the

645
00:32:52,680 --> 00:32:54,840
Speaker 1: challenges They're like, No, this is unique to this community.

646
00:32:54,880 --> 00:32:56,680
Speaker 1: It needs to be like highlighted.

647
00:32:56,760 --> 00:32:59,200
Speaker 3: Yeah, And honestly, that's why I respect both of you

648
00:32:59,360 --> 00:33:02,000
Speaker 3: for going to publishing route because I know you guys

649
00:33:02,000 --> 00:33:04,800
Speaker 3: had a fight for your book. I did not have

650
00:33:04,840 --> 00:33:07,200
Speaker 3: that fight in me. I have fights for other people

651
00:33:07,240 --> 00:33:09,760
Speaker 3: in other ways, but I just did not want to

652
00:33:09,800 --> 00:33:12,280
Speaker 3: have to fight a white publishing house on why this

653
00:33:12,280 --> 00:33:15,680
Speaker 3: book was needed. So so I went traditional sorry, hybrid publishing,

654
00:33:16,040 --> 00:33:18,600
Speaker 3: And thank goodness for the TikTok Latx Creative grant that

655
00:33:18,680 --> 00:33:20,440
Speaker 3: allowed me to do that. It gave me the funding

656
00:33:20,440 --> 00:33:22,480
Speaker 3: to be able to hire a hybrid publisher because it's

657
00:33:22,520 --> 00:33:25,760
Speaker 3: not cheap. But yeah, there's a lot of unique issues

658
00:33:25,760 --> 00:33:27,880
Speaker 3: in the first gen money experience. And for anybody that

659
00:33:27,960 --> 00:33:31,320
Speaker 3: isn't familiar with that term, first gen is typically the

660
00:33:31,360 --> 00:33:34,520
Speaker 3: first to be born in America, the first to maybe

661
00:33:34,520 --> 00:33:37,200
Speaker 3: they immigrate here with their parents as children, so really

662
00:33:37,240 --> 00:33:39,520
Speaker 3: all they know is the American way of life, but

663
00:33:39,600 --> 00:33:44,120
Speaker 3: they still have strong cultural ties to their immigrant roots.

664
00:33:44,840 --> 00:33:47,560
Speaker 3: So for me, for example, I'm the daughter of Mexican immigrants.

665
00:33:47,560 --> 00:33:50,640
Speaker 3: My parents immigrated here in the nineties. I believe you're

666
00:33:50,640 --> 00:33:53,960
Speaker 3: first gen Tiffany, Are you first gen? You are, right? Yeah?

667
00:33:54,000 --> 00:33:56,400
Speaker 3: I Amia Nigerian, right, yeah.

668
00:33:56,560 --> 00:33:56,840
Speaker 1: Yeah.

669
00:33:56,880 --> 00:33:59,320
Speaker 3: So there's a lot of unique challenges that come with

670
00:33:59,440 --> 00:34:02,840
Speaker 3: being a first generation wealth builder. First, I like to

671
00:34:02,880 --> 00:34:05,200
Speaker 3: point out that we have a different starting line than

672
00:34:05,280 --> 00:34:08,959
Speaker 3: a lot of our middle class white peers, and that's

673
00:34:09,000 --> 00:34:13,880
Speaker 3: because we don't get access to financial education at home. Because,

674
00:34:13,880 --> 00:34:16,320
Speaker 3: like I mentioned, our parents are just immigrants in a

675
00:34:16,360 --> 00:34:20,040
Speaker 3: new country, trying to learn a new language, experiencing racism,

676
00:34:20,200 --> 00:34:22,759
Speaker 3: trying to get by on these low income jobs. They

677
00:34:23,040 --> 00:34:26,000
Speaker 3: do not have the space to master the financial system

678
00:34:26,040 --> 00:34:28,759
Speaker 3: and then pass on those teachings to their children, where

679
00:34:28,800 --> 00:34:31,120
Speaker 3: a lot of white middle class Americans maybe they do

680
00:34:31,239 --> 00:34:33,600
Speaker 3: learn the basics about hey, this is a checking account,

681
00:34:33,600 --> 00:34:36,239
Speaker 3: Hey you should probably avoid that. We don't ever hear

682
00:34:36,360 --> 00:34:40,240
Speaker 3: any of those money conversations at home. If anything, money

683
00:34:40,600 --> 00:34:43,960
Speaker 3: talk is very taboo in our culture. There's a phrase

684
00:34:43,960 --> 00:34:46,840
Speaker 3: that's very popular. No, we don't talk about money like No,

685
00:34:46,960 --> 00:34:49,040
Speaker 3: that's rude. And I know that we're not the only

686
00:34:49,080 --> 00:34:52,640
Speaker 3: culture that experiences it, but it's definitely very prevalent in

687
00:34:52,640 --> 00:34:57,560
Speaker 3: the Hispanic Latino Latink community as well. As we are

688
00:34:57,600 --> 00:35:01,759
Speaker 3: not on the receiving end of generating wealth because our

689
00:35:01,800 --> 00:35:04,680
Speaker 3: parents came here with nothing. They came here for the

690
00:35:04,760 --> 00:35:08,839
Speaker 3: opportunity for us to have more, and that's what we're

691
00:35:08,840 --> 00:35:13,080
Speaker 3: doing by getting college educations and professional jobs. But you know,

692
00:35:13,120 --> 00:35:15,600
Speaker 3: a lot of our white middle class peers, they do

693
00:35:15,640 --> 00:35:19,000
Speaker 3: have this advantage of having some level of generational wealth.

694
00:35:19,200 --> 00:35:20,880
Speaker 3: And I point this out because I used to think

695
00:35:20,920 --> 00:35:23,040
Speaker 3: it was only the one percenters that got to benefit

696
00:35:23,080 --> 00:35:26,200
Speaker 3: from this stuff, but I learned through research that no,

697
00:35:26,320 --> 00:35:29,759
Speaker 3: it's also you know, your typical white middle class Americans

698
00:35:30,040 --> 00:35:32,600
Speaker 3: that's been here a couple of generations. Maybe the grandparents,

699
00:35:32,600 --> 00:35:35,040
Speaker 3: the great grandparents are the ones who immigrate to this country.

700
00:35:35,920 --> 00:35:38,279
Speaker 3: So yeah, the more entrenched you are in the US

701
00:35:38,360 --> 00:35:41,400
Speaker 3: financial system because you've been living longer, you will pass

702
00:35:41,440 --> 00:35:45,400
Speaker 3: on those financial teachings to family, right and pass on

703
00:35:45,520 --> 00:35:49,360
Speaker 3: generational wealth to help pay for college or if Grandma

704
00:35:49,400 --> 00:35:52,239
Speaker 3: Gertrude kicks a bucket, you might get a little windfall

705
00:35:52,320 --> 00:35:59,440
Speaker 3: of a little inheritance. Yeah, I love saying that one,

706
00:35:59,520 --> 00:36:04,239
Speaker 3: and the book too, so so yeah, we don't. That's

707
00:36:04,280 --> 00:36:06,759
Speaker 3: a completely different experience from what's going to happen with

708
00:36:06,840 --> 00:36:09,719
Speaker 3: me when my might not. Now that's what I call her,

709
00:36:09,760 --> 00:36:12,320
Speaker 3: what I dread the day she dies, because not only

710
00:36:12,400 --> 00:36:15,880
Speaker 3: will we lose the matriarch of our family, but we

711
00:36:15,920 --> 00:36:18,680
Speaker 3: will also be expected to pitch in to help cover

712
00:36:18,960 --> 00:36:22,440
Speaker 3: burial costs and any other sort of expenses that come up.

713
00:36:22,480 --> 00:36:25,040
Speaker 3: And again that's very different from white middle class America

714
00:36:25,080 --> 00:36:29,120
Speaker 3: that gets some sort of small inheritance. And then lastly,

715
00:36:29,680 --> 00:36:32,600
Speaker 3: a lot of us because our parents come from immigrant

716
00:36:32,680 --> 00:36:35,160
Speaker 3: roots and they didn't have the ability to save for

717
00:36:35,200 --> 00:36:37,799
Speaker 3: the future, for retirement or anything like that, we have

718
00:36:37,880 --> 00:36:41,759
Speaker 3: additional financial responsibility, similar to the black community with the

719
00:36:41,760 --> 00:36:43,800
Speaker 3: Black tax, which I'm sure you talk about a lot.

720
00:36:44,640 --> 00:36:47,319
Speaker 3: And yeah, for us, we're so family oriented, so we

721
00:36:47,360 --> 00:36:49,759
Speaker 3: can't just turn our back on our people. So we

722
00:36:50,040 --> 00:36:53,000
Speaker 3: want to give, but we also can't give to the

723
00:36:53,000 --> 00:36:55,000
Speaker 3: point where we don't have nothing left for ourselves at

724
00:36:55,000 --> 00:36:56,520
Speaker 3: the end of the day. So that's a big focus

725
00:36:56,520 --> 00:36:57,040
Speaker 3: of the book.

726
00:36:58,680 --> 00:37:00,960
Speaker 2: I mean, married to a Dominican here, and it's like

727
00:37:01,640 --> 00:37:04,440
Speaker 2: his parents are building a house now, they're renovating their

728
00:37:04,440 --> 00:37:08,440
Speaker 2: house in dr And they had a washer drwer delivered

729
00:37:08,480 --> 00:37:10,279
Speaker 2: to our house because then they have to ship it

730
00:37:10,320 --> 00:37:12,799
Speaker 2: to dr and somehow that's cheaper than just buying a

731
00:37:12,880 --> 00:37:16,160
Speaker 2: washer dryer on the island. I guess you can't anyway.

732
00:37:16,280 --> 00:37:18,600
Speaker 2: And I was like, okay, cool, you know, and then

733
00:37:18,600 --> 00:37:21,680
Speaker 2: my husband's like, yes, we're paying for that washer dry Yeah.

734
00:37:21,800 --> 00:37:30,920
Speaker 2: I was like, oka, like yeah, I've had to uh yeah,

735
00:37:30,960 --> 00:37:34,600
Speaker 2: I've had to like factor that into our budget. But

736
00:37:34,719 --> 00:37:36,960
Speaker 2: that being said, like they have been generous with us

737
00:37:37,000 --> 00:37:38,759
Speaker 2: in the past, with like helping a little bit with

738
00:37:38,800 --> 00:37:41,200
Speaker 2: our wedding. And like, I mean his dad like just

739
00:37:41,200 --> 00:37:44,040
Speaker 2: like you said, he's first generation and his dad came

740
00:37:44,080 --> 00:37:48,600
Speaker 2: here and worked I mean several jobs before finally scrounging

741
00:37:48,640 --> 00:37:51,400
Speaker 2: up enough money to like buy a grocery store in

742
00:37:51,440 --> 00:37:55,400
Speaker 2: the Bronx. And I mean and he never saw his

743
00:37:55,480 --> 00:37:58,080
Speaker 2: kids because he was he worked up until last year.

744
00:37:58,239 --> 00:38:00,799
Speaker 2: The man was still working till eleven pm, not there

745
00:38:00,840 --> 00:38:05,400
Speaker 2: on Christmas, not there on you know. Anyway, And I

746
00:38:05,560 --> 00:38:09,719
Speaker 2: have with marrying my husband sort of also married that

747
00:38:10,760 --> 00:38:17,600
Speaker 2: married into that mindset of they brought themselves here. They

748
00:38:17,640 --> 00:38:20,920
Speaker 2: made it possible for my husband to you know, create

749
00:38:20,960 --> 00:38:24,680
Speaker 2: the American dream that he has and to pay it forward. Yeah.

750
00:38:24,719 --> 00:38:27,120
Speaker 2: But my little, my little Grenga heart was a little

751
00:38:27,160 --> 00:38:29,680
Speaker 2: bit like, but that's my But.

752
00:38:29,680 --> 00:38:31,960
Speaker 1: That's how it is. And I mean, honestly, so much

753
00:38:31,960 --> 00:38:34,640
Speaker 1: of my parents' money went back home, you know, like

754
00:38:34,680 --> 00:38:37,160
Speaker 1: to Nigeria because there's just not the access. And so

755
00:38:37,360 --> 00:38:39,560
Speaker 1: I mean I paid off my parents' house. You know,

756
00:38:39,719 --> 00:38:42,440
Speaker 1: my husband was still here. I was like, just the

757
00:38:42,480 --> 00:38:45,239
Speaker 1: many ideas to love to pay off their house. I mean,

758
00:38:45,239 --> 00:38:47,439
Speaker 1: he was down for it because his father wasn't his life.

759
00:38:47,480 --> 00:38:51,080
Speaker 1: His mother had passed away. But that's just the expectation

760
00:38:51,360 --> 00:38:54,560
Speaker 1: is that you are going to help. Even now I've

761
00:38:54,560 --> 00:38:57,320
Speaker 1: got you know, WhatsApp, you know, you know, our foreigners

762
00:38:57,320 --> 00:39:02,720
Speaker 1: love what's hey, cousin, I'm like, who is this? Everybody

763
00:39:02,719 --> 00:39:06,080
Speaker 1: want to coin and what's that? So yeah, that's certainly

764
00:39:06,400 --> 00:39:09,120
Speaker 1: something like first gen. And I wonder too because when

765
00:39:09,120 --> 00:39:11,480
Speaker 1: I taught in Newark, I had a lot, a lot

766
00:39:11,480 --> 00:39:16,080
Speaker 1: a lot of Hispanic young children and their parents spoke

767
00:39:16,360 --> 00:39:18,840
Speaker 1: mostly Spanish, a little bit of a mostly Spanish, and

768
00:39:18,960 --> 00:39:21,160
Speaker 1: I just was always so amazed at how my three

769
00:39:21,200 --> 00:39:24,680
Speaker 1: and four year olds would be these amazing translators. You know,

770
00:39:25,200 --> 00:39:30,520
Speaker 1: my mommy said that, Mommy, you know, let's close, and

771
00:39:30,560 --> 00:39:32,920
Speaker 1: I'm like looking back and forth, like meanwhile, gino, I

772
00:39:33,000 --> 00:39:35,520
Speaker 1: told you to tie your shoe, but you over here

773
00:39:35,640 --> 00:39:38,359
Speaker 1: like you one translator, because these kids are so smart. Yeah,

774
00:39:38,400 --> 00:39:40,359
Speaker 1: and so I wondered that that also play a room

775
00:39:40,719 --> 00:39:44,239
Speaker 1: because financial education is not often translated. Yeah, like in

776
00:39:44,280 --> 00:39:47,160
Speaker 1: a way that is culturally relevant, you know, like whether

777
00:39:47,200 --> 00:39:49,960
Speaker 1: it's the language itself or just even in a meaningful way.

778
00:39:50,080 --> 00:39:52,960
Speaker 3: Yeah. Absolutely, And you very much spoke to me. I

779
00:39:53,120 --> 00:39:56,759
Speaker 3: was a child, and a lot of my audiences translating

780
00:39:56,800 --> 00:40:02,840
Speaker 3: at parent teacher conferences, or translating doctor appointments, or even

781
00:40:03,000 --> 00:40:05,640
Speaker 3: translating tax documents that come in the mill that the

782
00:40:05,680 --> 00:40:06,280
Speaker 3: parents are.

783
00:40:06,160 --> 00:40:06,880
Speaker 1: Like, what is this?

784
00:40:07,000 --> 00:40:09,359
Speaker 3: It looks important and then you're just like a ten

785
00:40:09,440 --> 00:40:11,680
Speaker 3: year old, you know what it means, but you speak

786
00:40:11,719 --> 00:40:12,240
Speaker 3: some English.

787
00:40:12,280 --> 00:40:15,239
Speaker 2: Apartment internal revenues.

788
00:40:16,680 --> 00:40:16,919
Speaker 1: Yeah.

789
00:40:17,040 --> 00:40:19,400
Speaker 3: Yeah, So a lot of us have been parentified in

790
00:40:19,440 --> 00:40:22,759
Speaker 3: that way. I'm fortunate that I don't. Maybe I need

791
00:40:22,760 --> 00:40:26,560
Speaker 3: to do more, more deeper dive into my inner child,

792
00:40:26,640 --> 00:40:29,719
Speaker 3: but I don't remember any bad memories from that, but

793
00:40:29,760 --> 00:40:31,279
Speaker 3: I know a lot of people in my community do

794
00:40:31,840 --> 00:40:36,200
Speaker 3: of having to deliver bad health news at the doctor, right,

795
00:40:36,280 --> 00:40:38,280
Speaker 3: So it's it's it's tough, it's tough for a kid,

796
00:40:39,200 --> 00:40:42,319
Speaker 3: and and yeah, that's just been for a lot of us.

797
00:40:42,400 --> 00:40:45,400
Speaker 3: It's a it's a collective experience that we experienced. But

798
00:40:45,480 --> 00:40:47,759
Speaker 3: on top of that, you know, with yes, us having

799
00:40:47,800 --> 00:40:50,640
Speaker 3: to be translators, sometimes I look like us being translators

800
00:40:50,640 --> 00:40:54,920
Speaker 3: at the bank too, right, So that often leads to

801
00:40:56,200 --> 00:41:01,839
Speaker 3: our community, specifically our elders being unbanked, underbanked because they

802
00:41:01,840 --> 00:41:05,960
Speaker 3: don't trust the banks because they don't have enough bilingual

803
00:41:06,000 --> 00:41:09,239
Speaker 3: speakers that can help them in the language that they

804
00:41:09,239 --> 00:41:13,600
Speaker 3: feel most comfortable, and they can't even offer a translation language.

805
00:41:13,600 --> 00:41:15,239
Speaker 3: When I used to work at Progressive Insurance, we at

806
00:41:15,280 --> 00:41:18,080
Speaker 3: least had that it was better than nothing. But yeah,

807
00:41:18,120 --> 00:41:20,360
Speaker 3: we definitely need more bilingual folks to be able to

808
00:41:20,400 --> 00:41:24,000
Speaker 3: help us. So yeah, in the meantime, our folks are underbanked,

809
00:41:24,040 --> 00:41:26,520
Speaker 3: they're not investing because they don't understand the system. So

810
00:41:26,560 --> 00:41:28,759
Speaker 3: that's why I think it's so important for me to

811
00:41:28,840 --> 00:41:33,480
Speaker 3: reach these first generation professionals, which are the children of

812
00:41:33,560 --> 00:41:37,319
Speaker 3: these immigrants, educate them on how to do better with

813
00:41:37,400 --> 00:41:39,480
Speaker 3: money even though they weren't taught. And then I encourage

814
00:41:39,480 --> 00:41:42,560
Speaker 3: them to teach back right to go to their parents. Hey,

815
00:41:42,640 --> 00:41:44,879
Speaker 3: this is what I learned. We should be doing this right.

816
00:41:44,920 --> 00:41:46,920
Speaker 3: Let's talk about what you're planning to do for retirement.

817
00:41:47,040 --> 00:41:49,440
Speaker 3: You should probably put these savings in the HIO savings account,

818
00:41:49,560 --> 00:41:53,680
Speaker 3: because again, that wasn't the experience of our immigrant parents, or.

819
00:41:53,680 --> 00:41:55,880
Speaker 2: They can, at least if they're anything like my parents.

820
00:41:55,920 --> 00:41:57,640
Speaker 2: It's like they don't want to hear from me with

821
00:41:57,719 --> 00:42:00,840
Speaker 2: my advice. But if I'm like they're missing out me,

822
00:42:00,920 --> 00:42:03,160
Speaker 2: look at her, say yeah, read her book. They're like, oh,

823
00:42:03,480 --> 00:42:06,960
Speaker 2: some great information. So you can be their proxy.

824
00:42:07,000 --> 00:42:07,200
Speaker 3: Yeah.

825
00:42:07,200 --> 00:42:08,640
Speaker 2: They can be like, well, don't listen to me, listen

826
00:42:08,680 --> 00:42:11,280
Speaker 2: to gg. She has this book, gig.

827
00:42:11,600 --> 00:42:12,000
Speaker 1: Look at this.

828
00:42:11,960 --> 00:42:13,919
Speaker 3: TikTok video that she made on this and they asked

829
00:42:13,960 --> 00:42:15,640
Speaker 3: me a lot, can you transay this to Spanish because

830
00:42:15,640 --> 00:42:17,279
Speaker 3: I want to send it to my mom. So, yeah,

831
00:42:17,280 --> 00:42:18,799
Speaker 3: when I have the capacity to, I do.

832
00:42:20,640 --> 00:42:21,960
Speaker 1: I was going to say that, like, I'm not really

833
00:42:22,000 --> 00:42:24,680
Speaker 1: want to on TikTok do you do Spanish? And anyone no,

834
00:42:24,840 --> 00:42:26,960
Speaker 1: So I was going to ask you about this.

835
00:42:27,040 --> 00:42:31,800
Speaker 3: Yeah, that's a great question. You know Netflix. Oh my god, Tiffany,

836
00:42:31,800 --> 00:42:33,680
Speaker 3: I have to tell you what she's referring to. So

837
00:42:33,800 --> 00:42:37,120
Speaker 3: I made a TikTok this summer where I said, that's it.

838
00:42:37,239 --> 00:42:40,319
Speaker 3: I'm sick of Ben Affleck speaking better Spanish than me, Like,

839
00:42:40,640 --> 00:42:43,719
Speaker 3: how is this possible? I'm Mexican, that was my first language.

840
00:42:43,760 --> 00:42:46,040
Speaker 3: But Ben Affleck is out here promoting his film in

841
00:42:46,080 --> 00:42:48,319
Speaker 3: Spanish and I still don't feel comfortable enough to show

842
00:42:48,400 --> 00:42:51,040
Speaker 3: up speaking Spanish in professional spaces. So this is the

843
00:42:51,120 --> 00:42:52,799
Speaker 3: year that I'm going to put in the work. I'm

844
00:42:52,800 --> 00:42:55,360
Speaker 3: going to take lessons and I'm going to improve my Spanish.

845
00:42:55,400 --> 00:42:58,160
Speaker 3: And I actually did I you know, I put it

846
00:42:58,160 --> 00:43:00,520
Speaker 3: into the universe and then guess what happened. I did one.

847
00:43:00,560 --> 00:43:03,719
Speaker 3: Now we're all Spanish webinar with Fidelity. It took a

848
00:43:03,719 --> 00:43:06,160
Speaker 3: lot of work, thank you. It took a lot of work.

849
00:43:06,600 --> 00:43:07,080
Speaker 1: Thank you.

850
00:43:07,200 --> 00:43:09,840
Speaker 3: It took a lot a lot of work, and but

851
00:43:09,880 --> 00:43:11,640
Speaker 3: I'm so proud that I put that resource. It's a

852
00:43:11,680 --> 00:43:13,960
Speaker 3: free resource out for the community through Fidelity.

853
00:43:15,000 --> 00:43:20,080
Speaker 2: But sorry Fidelity for investing in a speaker and in

854
00:43:20,080 --> 00:43:20,680
Speaker 2: that Spanish.

855
00:43:20,680 --> 00:43:22,400
Speaker 3: But we did it in the English and language, so

856
00:43:22,400 --> 00:43:25,080
Speaker 3: they got a two for one deal. I don't know.

857
00:43:25,680 --> 00:43:28,120
Speaker 1: I love it. It's funny because I'm doing the Fidelity

858
00:43:28,120 --> 00:43:29,799
Speaker 1: one because they've been doing it a lot. I'm doing

859
00:43:29,800 --> 00:43:31,920
Speaker 1: my Fidelity one in a couple of weeks, so I

860
00:43:31,960 --> 00:43:32,680
Speaker 1: know exactly the thing.

861
00:43:33,160 --> 00:43:35,959
Speaker 3: Yeah, very highly produced. A lot of people on the call.

862
00:43:37,040 --> 00:43:38,680
Speaker 1: It's a all productions.

863
00:43:38,840 --> 00:43:41,279
Speaker 2: I listened to those calls. They got Mandy Kalin on those,

864
00:43:41,440 --> 00:43:42,920
Speaker 2: all kinds of celebrities.

865
00:43:43,280 --> 00:43:43,560
Speaker 1: Yeah.

866
00:43:43,600 --> 00:43:46,920
Speaker 3: But regarding the question if I make content in Spanish,

867
00:43:47,000 --> 00:43:50,359
Speaker 3: because my the person that I'm trying to target is

868
00:43:50,440 --> 00:43:53,480
Speaker 3: mostly English dominant. So again, there's somebody that grew up

869
00:43:53,480 --> 00:43:56,960
Speaker 3: in America, but they have they probably learned Spanish as

870
00:43:57,000 --> 00:43:59,359
Speaker 3: their first language, or maybe they didn't learn Spanish at all.

871
00:43:59,719 --> 00:44:03,000
Speaker 3: It's why my content is in English. But when I

872
00:44:03,040 --> 00:44:06,520
Speaker 3: get those viral videos that they're like, please translate these

873
00:44:06,560 --> 00:44:09,799
Speaker 3: in Spanish, I will. It's just an extra lift for me,

874
00:44:09,960 --> 00:44:11,960
Speaker 3: you know, because I'm the only one creating content at

875
00:44:11,960 --> 00:44:14,239
Speaker 3: this point. But but but yeah, I would love to

876
00:44:14,280 --> 00:44:17,719
Speaker 3: do more future content and Spanish because it'll only helped

877
00:44:17,760 --> 00:44:19,800
Speaker 3: me practice and get out there in the community.

878
00:44:21,239 --> 00:44:23,400
Speaker 2: Such a good point. You're you're speaking to my husband

879
00:44:23,480 --> 00:44:28,120
Speaker 2: because he is he's a little a shame DNA Verguenza.

880
00:44:29,040 --> 00:44:32,799
Speaker 2: He has some shame around his his Spanish because he

881
00:44:32,920 --> 00:44:35,839
Speaker 2: basically unlearned it so he could be the translator and

882
00:44:35,880 --> 00:44:40,640
Speaker 2: like thrive in this American society. And he is nervous

883
00:44:40,719 --> 00:44:43,640
Speaker 2: talking to his parents sometimes and his family who I'm

884
00:44:43,680 --> 00:44:45,560
Speaker 2: so he's in it. I had to understand that the

885
00:44:45,600 --> 00:44:48,200
Speaker 2: way that I'm so comfortable calling my dad up or

886
00:44:48,200 --> 00:44:50,880
Speaker 2: calling my mom up or having a deep conversation with them,

887
00:44:51,160 --> 00:44:54,439
Speaker 2: he will hesitate because he's like, how much you mentioned

888
00:44:54,480 --> 00:44:58,320
Speaker 2: the emotional and the emotional with the mental lift to

889
00:44:58,360 --> 00:45:00,480
Speaker 2: take a subject matter and then think about it in

890
00:45:00,520 --> 00:45:03,080
Speaker 2: two languages, and he'll like, never mind too much money.

891
00:45:03,160 --> 00:45:04,960
Speaker 3: Yeah, I actually get bullied by my brothers all the

892
00:45:05,040 --> 00:45:06,640
Speaker 3: time that I was in Mexico because both of them

893
00:45:06,680 --> 00:45:08,560
Speaker 3: am still in Mexico, and they make fun of me

894
00:45:08,600 --> 00:45:12,359
Speaker 3: because my finish, my Spanish will slip up. But not

895
00:45:12,400 --> 00:45:14,919
Speaker 3: only that, not only did we have to get used,

896
00:45:16,239 --> 00:45:18,200
Speaker 3: but there are a bunch of brats. There are brads. Yeah,

897
00:45:18,239 --> 00:45:20,400
Speaker 3: we're yeah, let's don't even Oh my god, if you

898
00:45:20,440 --> 00:45:23,560
Speaker 3: knew girl, if you knew stories, like, yeah, i'll DM

899
00:45:23,600 --> 00:45:25,080
Speaker 3: you later because it's another show.

900
00:45:25,880 --> 00:45:26,800
Speaker 1: I'll dem you lator.

901
00:45:27,320 --> 00:45:30,200
Speaker 3: But let's see. But well, the thing is, not only

902
00:45:30,360 --> 00:45:34,640
Speaker 3: is it hard because we assimilated and became English dominant

903
00:45:34,680 --> 00:45:37,480
Speaker 3: by being in this country and doing all our education

904
00:45:37,680 --> 00:45:40,960
Speaker 3: and working in all English spaces, but on top of that,

905
00:45:41,080 --> 00:45:44,360
Speaker 3: financial literacy is a new language of itself. Right, So

906
00:45:44,400 --> 00:45:47,239
Speaker 3: there's all these terms, yeah, that we have to learn

907
00:45:47,400 --> 00:45:48,920
Speaker 3: for the fidelity w I when on for example, I

908
00:45:48,920 --> 00:45:51,640
Speaker 3: had to learn all these terms financial literacy terms in

909
00:45:51,680 --> 00:45:54,359
Speaker 3: Spanish that even my family doesn't know because they're not

910
00:45:54,360 --> 00:45:58,160
Speaker 3: financially literate in Spanish. So it's it's a double lift.

911
00:45:58,360 --> 00:46:00,279
Speaker 3: It really is a double lift. So I really I'm

912
00:46:00,280 --> 00:46:01,480
Speaker 3: thankful for the creators.

913
00:46:01,840 --> 00:46:01,960
Speaker 2: Uh.

914
00:46:02,000 --> 00:46:03,560
Speaker 3: The one that I can think about the top of

915
00:46:03,560 --> 00:46:07,040
Speaker 3: my head is Louli Finances called Louli. She does all

916
00:46:07,080 --> 00:46:12,080
Speaker 3: Spanish content and Marivel also our Wealth Matters does bilingual.

917
00:46:12,239 --> 00:46:15,319
Speaker 3: She's fully fluent in English and Spanish, so she does

918
00:46:15,840 --> 00:46:19,000
Speaker 3: both videos in English and Spanish. And yeah, I hope

919
00:46:19,000 --> 00:46:21,359
Speaker 3: to get there one day. But I know that I'm

920
00:46:21,360 --> 00:46:24,200
Speaker 3: serving my people by by being English only at the moment.

921
00:46:25,239 --> 00:46:26,680
Speaker 1: Yeah, but I love that. You know, it's very clear

922
00:46:26,719 --> 00:46:28,920
Speaker 1: about who your audience is, but that makes sense, like

923
00:46:28,960 --> 00:46:30,880
Speaker 1: this is the audience. This is like a little like

924
00:46:31,000 --> 00:46:33,440
Speaker 1: left turn because my business brain was like, huh, I

925
00:46:33,480 --> 00:46:36,160
Speaker 1: heard that. You said you did a hybrid publisher. Yeah,

926
00:46:36,200 --> 00:46:38,320
Speaker 1: and so I did a hybrid publisher when I published

927
00:46:38,320 --> 00:46:41,440
Speaker 1: my children's well Every Birthday Molly Moore. And so I'm

928
00:46:41,560 --> 00:46:44,440
Speaker 1: curious as to like who was the publisher and how

929
00:46:44,440 --> 00:46:46,800
Speaker 1: did that work, because I don't think that our audience

930
00:46:46,840 --> 00:46:49,120
Speaker 1: gets a lot of exposure to, like you haven't. You know,

931
00:46:49,200 --> 00:46:51,800
Speaker 1: you can self published, which is just do everything yourself.

932
00:46:52,200 --> 00:46:55,440
Speaker 1: You can go traditional publishing route, which they're gonna distribute

933
00:46:55,440 --> 00:46:57,719
Speaker 1: and print and things, and then take a big part

934
00:46:57,719 --> 00:47:00,560
Speaker 1: of the pie. And then there's hybrid Oh can you

935
00:47:00,600 --> 00:47:01,880
Speaker 1: tell us about like that process.

936
00:47:01,960 --> 00:47:04,480
Speaker 3: Yeah, I'm so glad you're asking about this because it's

937
00:47:04,560 --> 00:47:07,400
Speaker 3: definitely a viable option that we should be aware of.

938
00:47:08,000 --> 00:47:10,399
Speaker 3: And to be frank, when I first heard of it,

939
00:47:10,440 --> 00:47:12,360
Speaker 3: I was like, no, because the way hy red publishing

940
00:47:12,400 --> 00:47:15,960
Speaker 3: works is you pay them to publish your book and

941
00:47:16,000 --> 00:47:19,239
Speaker 3: they still get to keep typically thirty percent royalties, so

942
00:47:19,239 --> 00:47:19,799
Speaker 3: they still get a.

943
00:47:19,840 --> 00:47:22,680
Speaker 2: Cut, And like, how does that work?

944
00:47:22,760 --> 00:47:24,600
Speaker 3: Right? This doesn't make sense that I'm paying you and

945
00:47:24,640 --> 00:47:26,560
Speaker 3: you still get to keep a cut. But it's the

946
00:47:26,600 --> 00:47:28,400
Speaker 3: way that they have skin in the game right, so

947
00:47:28,400 --> 00:47:31,120
Speaker 3: that they truly care about the production quality of the book.

948
00:47:31,640 --> 00:47:34,440
Speaker 3: And the reason I decided to do higher publishing and

949
00:47:34,480 --> 00:47:36,640
Speaker 3: I did it with green Leaf Book Group, was because

950
00:47:36,640 --> 00:47:38,440
Speaker 3: of my book coach. My book coach, shout out to

951
00:47:38,520 --> 00:47:42,200
Speaker 3: Stacy Ennis. She's wonderful and she's the one that when

952
00:47:42,239 --> 00:47:44,400
Speaker 3: I first started working with her, I was planning to

953
00:47:45,280 --> 00:47:48,279
Speaker 3: self publish. And the more that we work together and

954
00:47:48,360 --> 00:47:50,839
Speaker 3: she learned about my goal and my business, she said,

955
00:47:50,880 --> 00:47:52,759
Speaker 3: you know what, I think you might be a better

956
00:47:52,800 --> 00:47:56,359
Speaker 3: candidate for hybrid publishing. So she told me why, and

957
00:47:56,400 --> 00:47:58,640
Speaker 3: she said, you know what, You're really busy with your business.

958
00:47:58,719 --> 00:48:01,399
Speaker 3: You really don't have the time to be vetting all

959
00:48:01,440 --> 00:48:04,400
Speaker 3: these publishing professionals. You're going to need to self publish

960
00:48:04,600 --> 00:48:07,760
Speaker 3: all these different types of editors, the cover designer, the format.

961
00:48:08,040 --> 00:48:10,000
Speaker 3: I mean, unless you have those contacts good for you,

962
00:48:10,120 --> 00:48:14,000
Speaker 3: then please self publish, right. But I didn't and I

963
00:48:14,040 --> 00:48:15,640
Speaker 3: didn't want to put in the time because I'm still

964
00:48:15,640 --> 00:48:18,600
Speaker 3: growing my business. So because I had the support of

965
00:48:18,680 --> 00:48:21,799
Speaker 3: the TikTok LATINX Creative grant, I was able to cover

966
00:48:21,840 --> 00:48:23,760
Speaker 3: a lot of those costs. It was a fifty thousand

967
00:48:23,760 --> 00:48:26,600
Speaker 3: dollars grant. So yeah, at first, just to start my

968
00:48:26,680 --> 00:48:29,200
Speaker 3: higher publisher, I believe it was thirty five thousand dollars,

969
00:48:29,440 --> 00:48:32,600
Speaker 3: a nice trunk of change. And then I've added additional services.

970
00:48:32,600 --> 00:48:35,360
Speaker 3: I've added the audiobook, the hardcover. I think we're probably

971
00:48:35,400 --> 00:48:38,600
Speaker 3: at fifty thousand dollars right now. And for production costs, Yeah,

972
00:48:38,600 --> 00:48:39,080
Speaker 3: it's a lot.

973
00:48:39,320 --> 00:48:40,640
Speaker 2: Does a grant that's text for you?

974
00:48:40,719 --> 00:48:40,879
Speaker 3: Right?

975
00:48:40,960 --> 00:48:41,200
Speaker 1: Yeah?

976
00:48:41,200 --> 00:48:42,680
Speaker 3: Because it went straight to expenses.

977
00:48:43,560 --> 00:48:44,239
Speaker 1: Oh we like that.

978
00:48:44,640 --> 00:48:47,239
Speaker 2: Okay, But did the grant come before the book idea

979
00:48:47,280 --> 00:48:48,600
Speaker 2: or did you have to have the book idea to

980
00:48:48,600 --> 00:48:49,040
Speaker 2: get the grind?

981
00:48:49,120 --> 00:48:52,080
Speaker 3: The book idea has been in my mind since December

982
00:48:52,080 --> 00:48:55,520
Speaker 3: of twenty twenty. Yeah, so again posts George Floyd and

983
00:48:55,640 --> 00:48:58,400
Speaker 3: kind of seeing there needs to be diverse voices in money.

984
00:48:59,200 --> 00:49:01,400
Speaker 3: That was before I was a TikToker. I was nobody

985
00:49:01,440 --> 00:49:03,520
Speaker 3: when I first thought of this idea of like, oh,

986
00:49:03,600 --> 00:49:06,080
Speaker 3: let's do a personal finance book from the lens of

987
00:49:06,200 --> 00:49:10,879
Speaker 3: the first gen experience. Uh, and then TikTok came surprisingly

988
00:49:10,960 --> 00:49:14,399
Speaker 3: three months later. So TikTok came. I know it's that

989
00:49:14,360 --> 00:49:15,960
Speaker 3: it's magic, right, it's a universe.

990
00:49:16,040 --> 00:49:17,040
Speaker 2: I love a girl who gets shit.

991
00:49:17,560 --> 00:49:19,920
Speaker 3: Thank you. Well, you know what's funny is I actually

992
00:49:20,200 --> 00:49:23,319
Speaker 3: started writing the book in December twenty twenty, and I

993
00:49:23,320 --> 00:49:25,680
Speaker 3: see starting because I didn't even have an outline. You

994
00:49:26,000 --> 00:49:27,600
Speaker 3: both are authors, so you know how it goes like

995
00:49:27,640 --> 00:49:29,759
Speaker 3: you have to have a writing plan. I didn't do

996
00:49:29,760 --> 00:49:30,120
Speaker 3: any of that.

997
00:49:30,120 --> 00:49:32,880
Speaker 1: I was just bla la la la la.

998
00:49:33,360 --> 00:49:35,720
Speaker 3: So now I know that I wasn't really starting anything.

999
00:49:36,200 --> 00:49:37,719
Speaker 3: But when TikTok popped.

1000
00:49:37,480 --> 00:49:40,960
Speaker 2: Off, you were doing something kind of it wasn't gonna

1001
00:49:41,000 --> 00:49:42,920
Speaker 2: go doing it. I was going to get still believing

1002
00:49:42,960 --> 00:49:44,600
Speaker 2: in yourself. Now, I know I was going to get

1003
00:49:44,640 --> 00:49:46,799
Speaker 2: stuck because I had no blueprint. Right now, I know

1004
00:49:46,880 --> 00:49:48,719
Speaker 2: that you very much need an outline to keep you

1005
00:49:48,800 --> 00:49:52,040
Speaker 2: focused and a writing plan and a routine, because otherwise

1006
00:49:52,040 --> 00:49:53,720
Speaker 2: you would just not get the manuscript done.

1007
00:49:53,960 --> 00:49:58,120
Speaker 3: Yeah you both know, yeah.

1008
00:49:56,719 --> 00:49:58,200
Speaker 1: So yeah no.

1009
00:49:58,600 --> 00:50:01,359
Speaker 3: And then TikTok popped off in March of twenty twenty one,

1010
00:50:01,960 --> 00:50:04,720
Speaker 3: and I slowly started introducing my audience to the idea

1011
00:50:04,840 --> 00:50:07,080
Speaker 3: of ooh, like, I want to write this book. Would

1012
00:50:07,080 --> 00:50:09,120
Speaker 3: you guys be interested? And they're like, yes, yes, we

1013
00:50:09,200 --> 00:50:11,719
Speaker 3: need it. But I couldn't write it because I was

1014
00:50:11,840 --> 00:50:14,160
Speaker 3: just starting my business. I had to build a solid

1015
00:50:14,200 --> 00:50:18,560
Speaker 3: financial foundation. The opportunity for the grant came up in

1016
00:50:18,600 --> 00:50:22,440
Speaker 3: April of twenty twenty two, a year later. So with

1017
00:50:22,560 --> 00:50:24,239
Speaker 3: that funding, that's when I was able to kind of

1018
00:50:24,280 --> 00:50:26,719
Speaker 3: take a step back in my business and be able

1019
00:50:26,760 --> 00:50:30,160
Speaker 3: to handle those publishing costs and go into a writing cave.

1020
00:50:30,160 --> 00:50:32,640
Speaker 3: I've been turning down a lot of speaking work and

1021
00:50:32,680 --> 00:50:34,759
Speaker 3: stepping back my business to be able to give the

1022
00:50:34,840 --> 00:50:36,040
Speaker 3: energy that I needed to writing.

1023
00:50:37,440 --> 00:50:39,279
Speaker 1: Yeah, that's the hard part when you're doing it because

1024
00:50:39,320 --> 00:50:42,279
Speaker 1: there's like you have to it's like the bow and

1025
00:50:42,560 --> 00:50:44,839
Speaker 1: go back, like go back. Yeah, and sometimes it means

1026
00:50:44,920 --> 00:50:48,320
Speaker 1: less money, yeah, less opportunity, you know, temporary fomo.

1027
00:50:48,560 --> 00:50:51,480
Speaker 3: Can we talk about the fomo? Yeah, I am experiencing

1028
00:50:51,480 --> 00:50:53,239
Speaker 3: the phone right now, Mandy.

1029
00:50:54,200 --> 00:50:57,600
Speaker 2: I mean, I'm a mom, so like half my life

1030
00:50:57,680 --> 00:51:01,920
Speaker 2: is followed. So a book is just adding you mentioned

1031
00:51:01,920 --> 00:51:05,440
Speaker 2: a routine and I'm like, yeah, even even for the

1032
00:51:05,560 --> 00:51:08,240
Speaker 2: if it adds another layer when you have tiny humans,

1033
00:51:08,280 --> 00:51:10,919
Speaker 2: because it's like I've had to get comfortable. But there's

1034
00:51:10,960 --> 00:51:13,320
Speaker 2: never going to be a routine. It's just going to

1035
00:51:13,360 --> 00:51:16,640
Speaker 2: be It's going to be guerrilla warfare, is what it's like.

1036
00:51:16,880 --> 00:51:17,120
Speaker 3: Yeah.

1037
00:51:17,440 --> 00:51:19,920
Speaker 2: So if that's in the car on the hill in

1038
00:51:19,960 --> 00:51:22,960
Speaker 2: front of my my in law's house with their babysitting

1039
00:51:22,960 --> 00:51:25,680
Speaker 2: for one hour and twenty four minutes. Well, I'm gonna

1040
00:51:25,680 --> 00:51:27,600
Speaker 2: see how many words I can do in an hour

1041
00:51:27,680 --> 00:51:30,239
Speaker 2: and twenty four minutes. And that's that's how the book

1042
00:51:30,280 --> 00:51:30,440
Speaker 2: is going.

1043
00:51:30,600 --> 00:51:34,200
Speaker 3: I've heard that, I've heard the strategy of doing voice

1044
00:51:34,239 --> 00:51:36,960
Speaker 3: notes and then having those transcribed. Have you heard of that,

1045
00:51:37,000 --> 00:51:38,120
Speaker 3: Mandy too?

1046
00:51:38,239 --> 00:51:40,960
Speaker 2: Yeah, I love Otter. I use Otter, which is my

1047
00:51:41,200 --> 00:51:46,799
Speaker 2: transcription AI bought, and yes, I will try. But the

1048
00:51:47,000 --> 00:51:50,279
Speaker 2: editing is impossible to do when you know, so I

1049
00:51:50,320 --> 00:51:52,319
Speaker 2: can like put a bunch of word vomit out there,

1050
00:51:52,680 --> 00:51:55,480
Speaker 2: but the actual like it's really art for me. It's

1051
00:51:55,520 --> 00:51:58,920
Speaker 2: it feels like a creative, artistic process when I am

1052
00:51:59,000 --> 00:52:02,440
Speaker 2: like words from here and putting them there and adding

1053
00:52:02,480 --> 00:52:05,359
Speaker 2: some more like adding some more description. For me, it's

1054
00:52:05,400 --> 00:52:08,719
Speaker 2: like it really is like cooking or painting for me

1055
00:52:09,120 --> 00:52:11,319
Speaker 2: the way that I approach writing. So, yeah, it's really

1056
00:52:11,360 --> 00:52:13,319
Speaker 2: hard to do when I can't just sit down and

1057
00:52:13,360 --> 00:52:14,840
Speaker 2: be laser focused.

1058
00:52:14,520 --> 00:52:17,040
Speaker 3: Because the voice is so important. If you just put

1059
00:52:17,080 --> 00:52:20,120
Speaker 3: something vanilla out there, that won't hit. But both of

1060
00:52:20,120 --> 00:52:23,000
Speaker 3: you guys have such big personalities, right, so it's important

1061
00:52:23,040 --> 00:52:25,160
Speaker 3: that your voice is also infused in there. And that's

1062
00:52:25,160 --> 00:52:27,160
Speaker 3: a feedback I've gone from my readers. I feel like

1063
00:52:27,280 --> 00:52:29,720
Speaker 3: you're like saying this to me, Yeah, because I infuse

1064
00:52:29,840 --> 00:52:30,640
Speaker 3: my voice in there.

1065
00:52:31,200 --> 00:52:34,799
Speaker 2: Yeah. Okay, So talk more about the highway. So you pay,

1066
00:52:34,880 --> 00:52:38,080
Speaker 2: you pay thirty five, now fifty thousand dollars into the process.

1067
00:52:38,760 --> 00:52:42,600
Speaker 2: So what's your expectation because I think in traditional publishing,

1068
00:52:42,600 --> 00:52:45,000
Speaker 2: we all, you know, because we have friends like Tiffany

1069
00:52:45,080 --> 00:52:47,520
Speaker 2: has been great and other friends of minew written books.

1070
00:52:47,800 --> 00:52:49,920
Speaker 2: Like my expectation is you ain't gonna make money from

1071
00:52:49,920 --> 00:52:53,840
Speaker 2: this in like for a minute, if ever, et cetera,

1072
00:52:53,880 --> 00:52:55,600
Speaker 2: and it's really hard and all that kind of stuff.

1073
00:52:56,040 --> 00:52:58,840
Speaker 2: But what's your expectation with the hybrid process? Do you

1074
00:52:58,880 --> 00:53:00,000
Speaker 2: expect to get the money back?

1075
00:53:00,320 --> 00:53:00,839
Speaker 1: Are you okay?

1076
00:53:00,880 --> 00:53:02,560
Speaker 2: If you don't like? What is that?

1077
00:53:02,680 --> 00:53:06,520
Speaker 3: Yeah? So luckily you know out of so let me

1078
00:53:06,520 --> 00:53:10,399
Speaker 3: give you a breakdown of the money spent. So out

1079
00:53:10,400 --> 00:53:12,920
Speaker 3: of the fifty thousand dollars grant, thirty five went to

1080
00:53:13,000 --> 00:53:15,120
Speaker 3: my hyperd publisher and then the rest went to my

1081
00:53:15,160 --> 00:53:17,840
Speaker 3: book coach. So out of my own pocket, I have

1082
00:53:17,960 --> 00:53:21,759
Speaker 3: probably spent thirty thousand dollars on the book marketing. I

1083
00:53:21,800 --> 00:53:25,240
Speaker 3: had a book launch party and other efforts and additional

1084
00:53:25,239 --> 00:53:27,239
Speaker 3: add ons that I've done with the publisher. Right, So,

1085
00:53:28,800 --> 00:53:30,839
Speaker 3: am I worried about those fifty thousand that I got

1086
00:53:30,880 --> 00:53:33,200
Speaker 3: for free? No? Right there there were grant it'd be

1087
00:53:33,200 --> 00:53:35,919
Speaker 3: great to get them back. But really I really would

1088
00:53:35,960 --> 00:53:38,320
Speaker 3: love those thirty thousand back, and I'm more than comfortable

1089
00:53:38,360 --> 00:53:42,000
Speaker 3: I will because my strategy is not to get the

1090
00:53:42,040 --> 00:53:44,160
Speaker 3: money back through book sales, because we all know well,

1091
00:53:44,239 --> 00:53:47,000
Speaker 3: unless you're a New York Times bestselling author like Tiffany

1092
00:53:47,080 --> 00:53:49,400
Speaker 3: over and over again, then yes, you will make that

1093
00:53:49,440 --> 00:53:52,439
Speaker 3: sh money. But the rest of us, we typically don't

1094
00:53:52,440 --> 00:53:54,719
Speaker 3: make money off book sales. So we have to think

1095
00:53:54,760 --> 00:53:56,560
Speaker 3: of how are we going to use this cloud that

1096
00:53:56,560 --> 00:53:59,759
Speaker 3: we're getting as authors to monetize? And for me, I

1097
00:53:59,800 --> 00:54:03,080
Speaker 3: don't already been speaking. I'd already been speaking on financial education,

1098
00:54:03,600 --> 00:54:07,759
Speaker 3: on career advocacy for latinas, on influencer marketing, financial inclusivity

1099
00:54:07,800 --> 00:54:12,839
Speaker 3: for financial institutions. So I've revamped my speaker page. I

1100
00:54:12,920 --> 00:54:16,560
Speaker 3: have a new speaking brochure now with my evil Longoria blurb,

1101
00:54:16,640 --> 00:54:19,080
Speaker 3: endorsement and all these things. So yeah, now they're getting

1102
00:54:19,080 --> 00:54:22,040
Speaker 3: the they're not getting the TikToker Gigi they're getting the

1103
00:54:22,760 --> 00:54:27,040
Speaker 3: exactly put some respect on my men best selling author

1104
00:54:27,560 --> 00:54:31,160
Speaker 3: Giovanna Gonzaniz exactly. So so so yeah, and that's how

1105
00:54:31,200 --> 00:54:34,919
Speaker 3: I very much intend to recover my investment and then

1106
00:54:35,000 --> 00:54:37,279
Speaker 3: some and that's where I want my career to go.

1107
00:54:37,440 --> 00:54:39,719
Speaker 3: You know, I love TikTok is how I started. I

1108
00:54:39,719 --> 00:54:41,600
Speaker 3: would not have started any of this had it not

1109
00:54:41,680 --> 00:54:45,840
Speaker 3: been for TikTok because of the authenticity and the rawness

1110
00:54:45,840 --> 00:54:48,040
Speaker 3: of what it takes to show up and just be yourself.

1111
00:54:48,120 --> 00:54:51,160
Speaker 3: I love that about TikTok. But honestly, you know, with

1112
00:54:51,200 --> 00:54:54,560
Speaker 3: the political environment that we're in, TikTok can go away tomorrow.

1113
00:54:55,160 --> 00:54:57,840
Speaker 3: So I can't have TikTok be my forever. I have

1114
00:54:57,920 --> 00:54:59,840
Speaker 3: to have several irons in the fire, and for me,

1115
00:55:00,000 --> 00:55:03,080
Speaker 3: I really want to land some more speaking, and.

1116
00:55:03,040 --> 00:55:04,759
Speaker 1: I will say too, just so you know, Gig, it's

1117
00:55:04,800 --> 00:55:07,680
Speaker 1: not so typically for those who are listening who are

1118
00:55:07,680 --> 00:55:13,080
Speaker 1: considering the traditional space usually get like whatever that upfront

1119
00:55:13,400 --> 00:55:16,520
Speaker 1: number is. So for me, it was a few hundred

1120
00:55:16,560 --> 00:55:18,960
Speaker 1: thousand dollars. Well, I'll just be honest. I'm like it's

1121
00:55:18,960 --> 00:55:21,120
Speaker 1: over now, six hundred thousand. It was a six hundred

1122
00:55:21,120 --> 00:55:22,960
Speaker 1: between Yeah, it was a lot. I'm not gonna lie

1123
00:55:22,960 --> 00:55:25,320
Speaker 1: even oh well, because there was a little bit of

1124
00:55:25,320 --> 00:55:27,840
Speaker 1: a bidding war because when I came out, there were.

1125
00:55:27,800 --> 00:55:28,520
Speaker 2: She had to fight.

1126
00:55:29,400 --> 00:55:33,200
Speaker 3: Yeah, there were no they had their trail, but.

1127
00:55:33,120 --> 00:55:35,640
Speaker 1: There were no financial books that were like pending. It

1128
00:55:35,680 --> 00:55:37,560
Speaker 1: was a perfect time. Right now, there's a lot coming out.

1129
00:55:37,680 --> 00:55:41,080
Speaker 1: But it was like right before pandemic is right, so

1130
00:55:41,160 --> 00:55:42,919
Speaker 1: it was like there was a gap. They were like, girl,

1131
00:55:42,920 --> 00:55:44,560
Speaker 1: you're the only game in town right now. So it

1132
00:55:44,600 --> 00:55:45,200
Speaker 1: was perfect time.

1133
00:55:45,200 --> 00:55:45,680
Speaker 3: Amazing.

1134
00:55:46,480 --> 00:55:49,520
Speaker 1: So so I got a lot of money upfront. But

1135
00:55:49,880 --> 00:55:51,880
Speaker 1: the thing is is that you know, I wanted to

1136
00:55:51,880 --> 00:55:53,640
Speaker 1: make money on the back end, and so you get

1137
00:55:53,680 --> 00:55:56,839
Speaker 1: seventy percent to keep. I only get fifteen percent. That's

1138
00:55:56,840 --> 00:55:59,799
Speaker 1: the that's typical of the of the space. And then

1139
00:55:59,840 --> 00:56:02,279
Speaker 1: you have to pay back the six hundred thousand. Now

1140
00:56:02,280 --> 00:56:04,360
Speaker 1: here's the thing. Let's just say they gave me the

1141
00:56:04,360 --> 00:56:06,400
Speaker 1: money and I didn't sell the books. I still get

1142
00:56:06,440 --> 00:56:09,520
Speaker 1: to keep the six hundred thousand, you know. And it's

1143
00:56:09,520 --> 00:56:11,239
Speaker 1: not like the record business where he's like no, no, no,

1144
00:56:11,280 --> 00:56:13,480
Speaker 1: you owe it, no matter what, why about it. It's

1145
00:56:13,520 --> 00:56:15,719
Speaker 1: just kind of like yes, it's kind of just like

1146
00:56:15,840 --> 00:56:18,759
Speaker 1: we hope we get it back. And so it took

1147
00:56:18,800 --> 00:56:20,839
Speaker 1: me two years. And some people never pay it back,

1148
00:56:20,880 --> 00:56:22,640
Speaker 1: but it took me about two years to pay back

1149
00:56:22,880 --> 00:56:26,279
Speaker 1: through book sales the six hundred thousand, and just so

1150
00:56:26,320 --> 00:56:29,040
Speaker 1: we're clear, I didn't even realize this. I have to

1151
00:56:29,080 --> 00:56:32,719
Speaker 1: pay it back in the fifteen percent increments. So yeah,

1152
00:56:32,840 --> 00:56:35,800
Speaker 1: that's my mind. I was like, oh, yes, So let's

1153
00:56:35,800 --> 00:56:38,440
Speaker 1: just say I sell my book and it's a dollar.

1154
00:56:39,520 --> 00:56:42,960
Speaker 1: So normally my take of that dollar is fifteen cents

1155
00:56:43,160 --> 00:56:46,160
Speaker 1: for every dollar that I sell. They're like, okay, but

1156
00:56:46,239 --> 00:56:47,799
Speaker 1: we're not going to give you fifteen cents for every

1157
00:56:47,800 --> 00:56:49,560
Speaker 1: dollar you sell, Tiffany, until you pay us back the

1158
00:56:49,600 --> 00:56:51,600
Speaker 1: six hundred thousand that we gave you. But she did,

1159
00:56:51,640 --> 00:56:55,200
Speaker 1: no problem. Yes, but it's not like this book is

1160
00:56:55,200 --> 00:56:57,200
Speaker 1: a dollar. I paid you back a dollar. They're like, no,

1161
00:56:57,520 --> 00:57:00,000
Speaker 1: this book is a dollar. You paid us back fifteen cents.

1162
00:57:01,040 --> 00:57:05,720
Speaker 2: What do you say, girl?

1163
00:57:06,440 --> 00:57:08,640
Speaker 1: So that's so when people so I did not know that.

1164
00:57:08,719 --> 00:57:10,719
Speaker 1: I wanted you to explain, girl, I did not know that.

1165
00:57:12,000 --> 00:57:14,839
Speaker 1: But that's how book math goes. And so that's why

1166
00:57:14,920 --> 00:57:18,320
Speaker 1: I'm so glad you're introducing this a hybrid model available

1167
00:57:18,440 --> 00:57:22,440
Speaker 1: they're self publishing. Certainly am I regretful of traditional publishing.

1168
00:57:22,480 --> 00:57:25,640
Speaker 1: Now I'm really grateful because I self published before. I

1169
00:57:25,640 --> 00:57:28,000
Speaker 1: self published like five books and I could, and I

1170
00:57:28,080 --> 00:57:32,400
Speaker 1: hybrid published before, and I decided to traditionally publish, not

1171
00:57:32,520 --> 00:57:34,640
Speaker 1: for the money, but for a certain like there were

1172
00:57:34,640 --> 00:57:37,200
Speaker 1: certain things that I wanted to have access to, yea,

1173
00:57:37,280 --> 00:57:38,480
Speaker 1: you know, so I was like, okay, I'm going to

1174
00:57:38,560 --> 00:57:41,200
Speaker 1: do this. So I knew in general. I'm joking about

1175
00:57:41,280 --> 00:57:42,880
Speaker 1: not knowing when I signed a contract. I did because

1176
00:57:42,880 --> 00:57:46,600
Speaker 1: at my attorney was like, are you sure? Because book contracts,

1177
00:57:46,600 --> 00:57:48,880
Speaker 1: you know, they're not so great in your favor because

1178
00:57:48,960 --> 00:57:52,120
Speaker 1: essentially you have to pay back way more than you're

1179
00:57:52,160 --> 00:57:54,360
Speaker 1: so you have to basically pay back millions of dollars

1180
00:57:54,360 --> 00:57:56,320
Speaker 1: for me for them to get their six hundred thousands, right,

1181
00:57:56,840 --> 00:57:57,520
Speaker 1: you see what I mean?

1182
00:57:57,680 --> 00:57:57,760
Speaker 3: Right?

1183
00:57:57,800 --> 00:57:59,000
Speaker 1: Because I just take that math.

1184
00:57:58,880 --> 00:58:01,280
Speaker 2: That means you had to self four million dollars worth of.

1185
00:58:01,280 --> 00:58:03,600
Speaker 3: Oh my goodness, girl, look at my face.

1186
00:58:03,840 --> 00:58:04,400
Speaker 2: I went.

1187
00:58:06,520 --> 00:58:09,440
Speaker 1: Fifteen, I've done it already, so I gave them, so, yes, girl,

1188
00:58:09,960 --> 00:58:12,120
Speaker 1: they had to make millions before they're like, oh, thanks

1189
00:58:12,120 --> 00:58:12,960
Speaker 1: for the six hundred.

1190
00:58:12,720 --> 00:58:15,320
Speaker 2: Thousand and over one hundred and thirty thousand copies of

1191
00:58:15,360 --> 00:58:15,720
Speaker 2: your book.

1192
00:58:15,760 --> 00:58:16,920
Speaker 1: Well, girl, we're at two sixty.

1193
00:58:17,320 --> 00:58:20,040
Speaker 2: I love math, yeah yeah, yeah, no no, but to

1194
00:58:20,120 --> 00:58:21,760
Speaker 2: get there, to get there.

1195
00:58:21,680 --> 00:58:23,520
Speaker 1: The other thing, and so that took me two years,

1196
00:58:23,560 --> 00:58:24,880
Speaker 1: and so I'm just sorry. And so I just want

1197
00:58:24,880 --> 00:58:27,120
Speaker 1: people to understand, like, you know, there's benefits, pros and cons.

1198
00:58:27,120 --> 00:58:30,080
Speaker 1: And then I just like, you know, now that I'm

1199
00:58:30,080 --> 00:58:34,320
Speaker 1: starting to get my I guess it's every two twice

1200
00:58:34,320 --> 00:58:36,560
Speaker 1: a year, I'm starting to get those like whatever checks are.

1201
00:58:36,560 --> 00:58:39,280
Speaker 1: But there's still only fifteen percent of the books sold.

1202
00:58:39,560 --> 00:58:41,280
Speaker 1: And so I didn't do it for the money. I

1203
00:58:41,320 --> 00:58:44,040
Speaker 1: did it for the It raised the value of the

1204
00:58:44,040 --> 00:58:47,560
Speaker 1: brand over all. To your point, gg, I raised my credibility,

1205
00:58:47,920 --> 00:58:50,200
Speaker 1: I raised my spokesperson with I raised all of that.

1206
00:58:50,320 --> 00:58:52,560
Speaker 1: So yeah, so I got paid. It was worth it

1207
00:58:52,560 --> 00:58:53,280
Speaker 1: to me to do it for.

1208
00:58:53,240 --> 00:58:55,360
Speaker 3: That, Yeah no, And I and I love it. I

1209
00:58:55,400 --> 00:58:57,720
Speaker 3: love it. And I actually encourage my audience to request

1210
00:58:57,720 --> 00:59:00,680
Speaker 3: her book from the library or to borrow it from

1211
00:59:00,720 --> 00:59:02,880
Speaker 3: a friend, because yeah, like for them, I want to

1212
00:59:02,920 --> 00:59:05,000
Speaker 3: make it cheap. It's these organizations that have the big

1213
00:59:05,040 --> 00:59:07,400
Speaker 3: budgets to pay us right, to pay us back for

1214
00:59:07,400 --> 00:59:09,320
Speaker 3: our investment. One last thing I love to add about

1215
00:59:09,360 --> 00:59:12,040
Speaker 3: hybrid publishing, and again, There are pros and cons to

1216
00:59:12,120 --> 00:59:15,440
Speaker 3: every type of publishing model. But what really sold me

1217
00:59:15,600 --> 00:59:18,160
Speaker 3: on hybrid publishing was that I had a final say

1218
00:59:18,280 --> 00:59:22,920
Speaker 3: on title, cover, editorial, everything. I was final say on

1219
00:59:23,640 --> 00:59:26,080
Speaker 3: and thank goodness for that. Let me tell you, because

1220
00:59:26,200 --> 00:59:28,080
Speaker 3: the first batch of titles that they try to give

1221
00:59:28,120 --> 00:59:30,720
Speaker 3: me for this book, it was giving like white Boomer Vanilla.

1222
00:59:30,840 --> 00:59:32,959
Speaker 3: I'm like, no, no, no, no, no, none of this works.

1223
00:59:33,040 --> 00:59:35,560
Speaker 3: You misunderstood the assignment. Go back to the drawing board

1224
00:59:35,600 --> 00:59:37,480
Speaker 3: and come back with something better. And they came back

1225
00:59:37,520 --> 00:59:41,080
Speaker 3: with Duran cash by cultural title that my community loves

1226
00:59:41,240 --> 00:59:42,880
Speaker 3: right and the cover.

1227
00:59:42,880 --> 00:59:43,840
Speaker 2: I thought you came up with it.

1228
00:59:43,880 --> 00:59:48,440
Speaker 3: I wish I know. I paid them a titling service

1229
00:59:48,600 --> 00:59:51,040
Speaker 3: to help me cook that up. Yeah so again everything

1230
00:59:51,200 --> 00:59:54,320
Speaker 3: costs money with the high red publisher. Yeah yeah, but

1231
00:59:55,200 --> 00:59:58,600
Speaker 3: I'LLAKRK exactly, but you get final say so. Like I said,

1232
00:59:58,760 --> 01:00:02,120
Speaker 3: I like this title, I like this cover. When my edit,

1233
01:00:02,240 --> 01:00:04,919
Speaker 3: my white editor try to whitewash my writing and said

1234
01:00:04,920 --> 01:00:07,480
Speaker 3: that this part is insulting to white people, I said,

1235
01:00:07,520 --> 01:00:10,080
Speaker 3: I don't care. They're not the intended audience. So I

1236
01:00:10,120 --> 01:00:13,120
Speaker 3: was able to hold that control and write the book

1237
01:00:13,160 --> 01:00:16,000
Speaker 3: that my reader needs to hear not with some white

1238
01:00:16,040 --> 01:00:18,600
Speaker 3: publishing house we thought would do good with the market.

1239
01:00:18,960 --> 01:00:20,800
Speaker 3: So I'm really really proud of that, and that's why

1240
01:00:20,840 --> 01:00:23,760
Speaker 3: the book is resonating. I has already sixty six reviews

1241
01:00:23,760 --> 01:00:26,080
Speaker 3: on Amazon and it hasn't even been a week.

1242
01:00:26,200 --> 01:00:29,080
Speaker 2: Yeah, it's only about to have sixty seven. I forget

1243
01:00:29,080 --> 01:00:30,680
Speaker 2: all the things I have to do to support all

1244
01:00:30,720 --> 01:00:33,360
Speaker 2: my authors. Yeah, I'm like, I didn't leave a review.

1245
01:00:33,400 --> 01:00:34,120
Speaker 3: You did?

1246
01:00:34,160 --> 01:00:36,720
Speaker 1: You tell them that, like if they Amazon gives them

1247
01:00:36,880 --> 01:00:39,320
Speaker 1: a little extra push if they do a video or picture.

1248
01:00:39,480 --> 01:00:41,520
Speaker 3: I got that tip from you, Tiffany, from the men

1249
01:00:41,920 --> 01:00:45,200
Speaker 3: from the Mentorship, a mentee program that you have, so yeah,

1250
01:00:45,200 --> 01:00:47,080
Speaker 3: I actually I haven't had them do videos. Are you

1251
01:00:47,120 --> 01:00:50,920
Speaker 3: a menthi yes girl, Yes, Oh my goodness. I listened

1252
01:00:50,920 --> 01:00:53,120
Speaker 3: to you did a like a you did like a

1253
01:00:53,120 --> 01:00:55,200
Speaker 3: webinar on what you did for your book launch.

1254
01:00:55,280 --> 01:00:56,160
Speaker 1: I took notes.

1255
01:00:57,400 --> 01:00:59,959
Speaker 3: I implemented a lot of the advice the Street Team.

1256
01:01:00,040 --> 01:01:02,160
Speaker 3: For anybody that is not a part of the Mentorship,

1257
01:01:02,200 --> 01:01:05,120
Speaker 3: please join her mentorship on Patreon. It's so worth it.

1258
01:01:05,600 --> 01:01:07,680
Speaker 3: The advice on the Street Team alone. That's how I

1259
01:01:07,720 --> 01:01:10,760
Speaker 3: got all those reviews because of the power of the

1260
01:01:10,800 --> 01:01:11,360
Speaker 3: Street Team.

1261
01:01:11,480 --> 01:01:14,200
Speaker 2: Yes, yes, yes, sixty eight. By the way, about ah

1262
01:01:15,000 --> 01:01:15,640
Speaker 2: so sweet?

1263
01:01:16,080 --> 01:01:17,000
Speaker 3: Yeah, no, so I have.

1264
01:01:17,240 --> 01:01:18,240
Speaker 1: I had a couple of them.

1265
01:01:18,280 --> 01:01:19,960
Speaker 3: I gave them the book in advance so they had

1266
01:01:19,960 --> 01:01:21,880
Speaker 3: a physical copy and they could post a little cute

1267
01:01:21,880 --> 01:01:24,280
Speaker 3: aesthetic picture with the coffee next to it or the

1268
01:01:24,280 --> 01:01:26,760
Speaker 3: computer next to it. Because I learned from you, and

1269
01:01:26,800 --> 01:01:28,960
Speaker 3: thank you for not gate keeping that information. That's why

1270
01:01:28,960 --> 01:01:30,560
Speaker 3: I love both of you, because you're so open and

1271
01:01:30,600 --> 01:01:33,680
Speaker 3: honest and transparent and really about uplifting women. Because that

1272
01:01:33,760 --> 01:01:36,720
Speaker 3: helped me tremendously and making this launch successful.

1273
01:01:37,680 --> 01:01:42,160
Speaker 2: Yeah, yeah, Tiffany, never stopped, never stop giving those book jumps,

1274
01:01:42,240 --> 01:01:46,560
Speaker 2: because until you, with your candor, came out and really

1275
01:01:46,920 --> 01:01:51,000
Speaker 2: laid them all out, like there wasn't another free U

1276
01:01:51,160 --> 01:01:53,480
Speaker 2: gate kept not behind to pay, well, not behind it.

1277
01:01:53,480 --> 01:01:57,200
Speaker 2: Give me your email address, take this course. I know

1278
01:01:57,280 --> 01:01:59,120
Speaker 2: the book that the book coaches out there were like

1279
01:01:59,160 --> 01:01:59,640
Speaker 2: god damn.

1280
01:02:03,960 --> 01:02:05,680
Speaker 1: Sometimes I'll bet people they're like, you can do a

1281
01:02:05,680 --> 01:02:07,920
Speaker 1: two buy. I'm like, my bag, girl, it's just that

1282
01:02:07,960 --> 01:02:09,400
Speaker 1: I get so excited about teaching.

1283
01:02:09,520 --> 01:02:11,360
Speaker 2: No, no, you're not doing You're a giver.

1284
01:02:11,720 --> 01:02:14,080
Speaker 3: You're a giver for me and for anybody that's interested

1285
01:02:14,120 --> 01:02:15,720
Speaker 3: in my insights that I had to share as a

1286
01:02:15,800 --> 01:02:18,520
Speaker 3: Latina in a very white publishing industry. I do plan

1287
01:02:18,600 --> 01:02:21,680
Speaker 3: to hold a free webinar for any women of color

1288
01:02:21,680 --> 01:02:24,320
Speaker 3: that like to join, and that's just for me to

1289
01:02:24,400 --> 01:02:27,240
Speaker 3: pour back into the community. It'll be a one hour webinar.

1290
01:02:27,440 --> 01:02:29,280
Speaker 3: You can ask me anything. Also have a little outline

1291
01:02:29,280 --> 01:02:31,440
Speaker 3: of topics that I want to discuss. And for me,

1292
01:02:31,600 --> 01:02:33,800
Speaker 3: that's like, this is here for you to learn from

1293
01:02:33,920 --> 01:02:35,880
Speaker 3: what I am not available for are for all these

1294
01:02:35,920 --> 01:02:38,000
Speaker 3: people that are dming me, girl, I love to pick

1295
01:02:38,040 --> 01:02:41,400
Speaker 3: your brain. No, I would love to, but there's no

1296
01:02:41,440 --> 01:02:43,640
Speaker 3: time for that, right So so for me, that's my

1297
01:02:43,720 --> 01:02:47,080
Speaker 3: resource to and remember pouring into the community having this

1298
01:02:47,200 --> 01:02:50,160
Speaker 3: free webinar, which I'll probably have in May May twenty

1299
01:02:50,160 --> 01:02:50,640
Speaker 3: twenty four.

1300
01:02:51,000 --> 01:02:52,960
Speaker 1: I love that you hear the bag.

1301
01:02:53,800 --> 01:02:55,880
Speaker 3: Thank you. You guys are are starting.

1302
01:02:56,240 --> 01:02:59,000
Speaker 2: I forgot your power. Like there's just something like and

1303
01:02:59,040 --> 01:02:59,560
Speaker 2: I haven't.

1304
01:02:59,360 --> 01:03:00,760
Speaker 3: Seen you in a why I have a sing you

1305
01:03:00,800 --> 01:03:02,320
Speaker 3: know what, that's why I know.

1306
01:03:02,440 --> 01:03:03,920
Speaker 2: But I'm like, oh, I just want to be in

1307
01:03:04,000 --> 01:03:05,760
Speaker 2: your I want to be in your orbit, Like you

1308
01:03:05,800 --> 01:03:08,160
Speaker 2: know when you meet people and you're just like the shot,

1309
01:03:08,240 --> 01:03:12,080
Speaker 2: the brightness, the warmth, the power I felt I met

1310
01:03:11,600 --> 01:03:16,720
Speaker 2: true Yeah, you're just this this like just this bullet.

1311
01:03:16,760 --> 01:03:19,360
Speaker 2: That's how it feels like. And there's nothing that you

1312
01:03:19,400 --> 01:03:22,520
Speaker 2: can't do. What makes you that way? That's what my

1313
01:03:22,520 --> 01:03:23,840
Speaker 2: therapist asked me. She's like, so what is it?

1314
01:03:24,600 --> 01:03:26,160
Speaker 3: I don't really hard question. I don't know how real

1315
01:03:26,240 --> 01:03:26,880
Speaker 3: you want to get here?

1316
01:03:26,960 --> 01:03:29,160
Speaker 2: Because I want I want you to get real because

1317
01:03:29,200 --> 01:03:31,920
Speaker 2: I just it's so palpable to me. Your your presence,

1318
01:03:32,600 --> 01:03:36,440
Speaker 2: deep breath that had to take you. Thought I was

1319
01:03:36,440 --> 01:03:36,840
Speaker 2: gonna wrap.

1320
01:03:36,880 --> 01:03:38,960
Speaker 3: No, no, no, no no no, Let's talk about it. Let's

1321
01:03:38,960 --> 01:03:40,920
Speaker 3: be real, because I know your podcast is all about Roala.

1322
01:03:41,080 --> 01:03:43,960
Speaker 3: So what makes me this way?

1323
01:03:44,200 --> 01:03:44,280
Speaker 2: That?

1324
01:03:44,400 --> 01:03:49,320
Speaker 3: My mom is my biggest enemy? Unfortunately I've gone public

1325
01:03:49,360 --> 01:03:51,760
Speaker 3: about this on a Refinery twenty nine article about Haha,

1326
01:03:51,760 --> 01:03:55,600
Speaker 3: I'm estrange for my mother. But my mom, I love her,

1327
01:03:55,720 --> 01:03:58,800
Speaker 3: but she's toxic and instead of being proud of me

1328
01:03:59,000 --> 01:04:03,440
Speaker 3: and cheering on and being supported, she does a complete opposite.

1329
01:04:03,680 --> 01:04:06,000
Speaker 3: And Thank goodness for therapy because I would not be

1330
01:04:06,000 --> 01:04:07,920
Speaker 3: able to say this right now without crying. And thank

1331
01:04:07,960 --> 01:04:09,880
Speaker 3: goodness for prozac because I would definitely be crying too

1332
01:04:09,880 --> 01:04:15,400
Speaker 3: if I was not on prozac, medicated and motivated. Yeah,

1333
01:04:17,200 --> 01:04:20,880
Speaker 3: But the fact that my mom has been as challenging

1334
01:04:20,920 --> 01:04:22,600
Speaker 3: as she has been with me. And if you read

1335
01:04:22,600 --> 01:04:25,080
Speaker 3: the book, you'll see one personal story where I share

1336
01:04:25,400 --> 01:04:28,880
Speaker 3: about the importance of credit building because there was an

1337
01:04:28,880 --> 01:04:31,000
Speaker 3: incident with the car. I won't give away the story.

1338
01:04:31,080 --> 01:04:33,280
Speaker 3: You'll have to read the book, but you kind of

1339
01:04:33,280 --> 01:04:35,360
Speaker 3: get a sense for some of the challenges that I

1340
01:04:35,400 --> 01:04:37,800
Speaker 3: have with my mother. And yeah, we've been no contact

1341
01:04:37,840 --> 01:04:40,960
Speaker 3: for two years now. The last straw was she was

1342
01:04:41,160 --> 01:04:45,440
Speaker 3: physically abusive, and I'm just like, I can tolerate the

1343
01:04:45,520 --> 01:04:50,000
Speaker 3: you know, the verbal abuse, the condescending everything, the criticism,

1344
01:04:50,120 --> 01:04:53,800
Speaker 3: the judgment, the judgment, but physical abuse is just something

1345
01:04:53,840 --> 01:04:56,280
Speaker 3: that I will never tolerate from anybody, even if it's

1346
01:04:56,280 --> 01:04:59,480
Speaker 3: my own mother. Yeah. Yeah, so that's what, honestly, like,

1347
01:04:59,640 --> 01:05:01,520
Speaker 3: that's when makes me strong, because it's funny when when

1348
01:05:01,560 --> 01:05:04,240
Speaker 3: I get haters and my TikTok comments section, people are like, Gigi,

1349
01:05:04,280 --> 01:05:06,400
Speaker 3: how how does it not affect you? Like, you know,

1350
01:05:06,480 --> 01:05:09,200
Speaker 3: the the and I actually enjoy doing the clapbacks. That's

1351
01:05:09,240 --> 01:05:10,480
Speaker 3: like the unhealed part of me.

1352
01:05:12,240 --> 01:05:12,960
Speaker 2: I do.

1353
01:05:13,800 --> 01:05:14,120
Speaker 1: I do.

1354
01:05:14,200 --> 01:05:16,080
Speaker 3: I'm not gonna lie. People are like, don't waste your energy.

1355
01:05:16,120 --> 01:05:18,480
Speaker 3: I'm like, sometimes I like to waste my energy.

1356
01:05:18,200 --> 01:05:21,800
Speaker 2: This way, like, let me, let me create space for

1357
01:05:21,840 --> 01:05:24,560
Speaker 2: that pettiness, because I'm the one hand to two you

1358
01:05:24,720 --> 01:05:27,640
Speaker 2: want to choose wild, I got time to be petty.

1359
01:05:27,720 --> 01:05:28,920
Speaker 3: So yeah, I don't think that I'm not going to

1360
01:05:29,000 --> 01:05:31,480
Speaker 3: respond back. Yeah, if I have time, I will. But

1361
01:05:32,480 --> 01:05:34,600
Speaker 3: my answer to when people say, how does this not

1362
01:05:34,640 --> 01:05:37,080
Speaker 3: affect you? When people can be nasty in the comment section,

1363
01:05:37,160 --> 01:05:39,200
Speaker 3: it's always the strangers, you know, when the when the

1364
01:05:39,240 --> 01:05:41,640
Speaker 3: TikTok goes viral, it's never your own community members. It's

1365
01:05:41,680 --> 01:05:44,240
Speaker 3: just some random on the internet with a five two

1366
01:05:44,280 --> 01:05:48,880
Speaker 3: two nine nine username and no profile picture. Right, And

1367
01:05:49,320 --> 01:05:52,360
Speaker 3: I say, nothing that these people can say is worse

1368
01:05:52,400 --> 01:05:55,080
Speaker 3: than when my own mother has already said to me.

1369
01:05:55,480 --> 01:05:57,240
Speaker 3: You know, so, I'm sorry, kind of got darker than

1370
01:05:57,320 --> 01:05:59,560
Speaker 3: I hope we can end on a positive note. But

1371
01:05:59,640 --> 01:06:01,600
Speaker 3: that's the realness, honestly, of how.

1372
01:06:01,600 --> 01:06:02,960
Speaker 2: You are the positive note.

1373
01:06:03,520 --> 01:06:05,959
Speaker 1: You're so sweet just because look how you reflect joy

1374
01:06:06,120 --> 01:06:08,040
Speaker 1: despite I mean, we all, I mean, you cannot go

1375
01:06:08,040 --> 01:06:10,520
Speaker 1: through life without challenges. It's just that's just not how

1376
01:06:11,200 --> 01:06:15,320
Speaker 1: you know. And my therapist always shares that trauma is

1377
01:06:15,360 --> 01:06:18,720
Speaker 1: when something happened that should not have or something should

1378
01:06:18,720 --> 01:06:21,800
Speaker 1: have happened and it didn't, you know, so we all

1379
01:06:21,920 --> 01:06:25,080
Speaker 1: have trauma that we navigate and look how like look

1380
01:06:25,080 --> 01:06:28,800
Speaker 1: at the light. You are, you know, as a result

1381
01:06:28,840 --> 01:06:31,800
Speaker 1: of or despite despite that trauma. So we're just so grateful.

1382
01:06:32,120 --> 01:06:35,760
Speaker 1: Thank you you are here, you show fully like you know,

1383
01:06:36,000 --> 01:06:38,800
Speaker 1: because you're here, You're gonna have a bunch of daughters.

1384
01:06:38,960 --> 01:06:40,480
Speaker 1: Right when someone comes to me and they're like, oh

1385
01:06:40,480 --> 01:06:43,919
Speaker 1: my gosh, I started like Burner, I love burn Yeah,

1386
01:06:44,160 --> 01:06:49,080
Speaker 1: oh my god, that's I'm like, that's my daughter, you know,

1387
01:06:49,280 --> 01:06:52,080
Speaker 1: Like I love that though, because you know, she's like

1388
01:06:52,120 --> 01:06:54,120
Speaker 1: because if you know Berner, I mean you think I'm crazy.

1389
01:06:54,120 --> 01:06:59,000
Speaker 1: Berna is we've mad so Burna. You know, She's like,

1390
01:06:59,040 --> 01:07:01,360
Speaker 1: I didn't know that I could be my full silly,

1391
01:07:01,400 --> 01:07:03,360
Speaker 1: crazy self online and then one day sift me I

1392
01:07:03,360 --> 01:07:05,960
Speaker 1: saw you. I was like, wait a minute, I recognize crazy.

1393
01:07:05,960 --> 01:07:06,760
Speaker 1: I could be crazy to.

1394
01:07:06,800 --> 01:07:09,320
Speaker 2: Yeah, so you did it to another level.

1395
01:07:15,040 --> 01:07:15,640
Speaker 1: On the internet.

1396
01:07:15,800 --> 01:07:19,040
Speaker 3: But I love it. I love it because some people

1397
01:07:19,080 --> 01:07:21,360
Speaker 3: need to see Bernard t working on the internet to

1398
01:07:21,360 --> 01:07:23,560
Speaker 3: pay attention, you know, otherwise.

1399
01:07:23,720 --> 01:07:25,840
Speaker 2: I'm that people exactly, I'm people.

1400
01:07:26,240 --> 01:07:28,320
Speaker 1: But you, as a result of you showing up fully

1401
01:07:28,360 --> 01:07:31,320
Speaker 1: as yourself, if somebody is like nodding like, oh my gosh,

1402
01:07:31,320 --> 01:07:34,320
Speaker 1: that's my dad or that's my brother or that's my whatever,

1403
01:07:34,360 --> 01:07:35,960
Speaker 1: and I'd be like, wait, so I can show up

1404
01:07:35,960 --> 01:07:39,840
Speaker 1: fully and wonderfully and with joy and beauty while also.

1405
01:07:39,720 --> 01:07:41,600
Speaker 3: Navigating family estrangement.

1406
01:07:41,920 --> 01:07:43,960
Speaker 1: So yeah, it's so taboo, So thank you.

1407
01:07:44,720 --> 01:07:46,680
Speaker 3: Yeah, And you know, I would also like to technowledge that,

1408
01:07:46,760 --> 01:07:49,120
Speaker 3: thank God, I have an amazing father. My father is

1409
01:07:49,160 --> 01:07:50,960
Speaker 3: like my best friend, so at least I feel that

1410
01:07:51,040 --> 01:07:52,680
Speaker 3: I have some sort of parental support.

1411
01:07:53,480 --> 01:07:54,080
Speaker 1: I also have.

1412
01:07:54,040 --> 01:07:57,000
Speaker 3: An amazing grandmother and my aunt, and I actually dedicate

1413
01:07:57,080 --> 01:07:59,320
Speaker 3: the book to both these women because I wouldn't be

1414
01:07:59,320 --> 01:08:01,440
Speaker 3: who I am without them, So I have other family

1415
01:08:01,480 --> 01:08:03,760
Speaker 3: that I can lean on for support. But yeah, I

1416
01:08:03,800 --> 01:08:06,960
Speaker 3: mean the Evil Loungore endorsement that we talked about earlier.

1417
01:08:07,080 --> 01:08:09,640
Speaker 3: That's something that my mom knows more than anybody. Now

1418
01:08:09,640 --> 01:08:12,560
Speaker 3: I'm going to cry. My mom knows more than anybody

1419
01:08:12,600 --> 01:08:15,920
Speaker 3: how much that means to me because we used to

1420
01:08:15,960 --> 01:08:18,880
Speaker 3: watch Desperate Housewives together, and the fact that I can't

1421
01:08:18,920 --> 01:08:23,000
Speaker 3: can I cuss here, the fact that I can't share

1422
01:08:23,040 --> 01:08:25,760
Speaker 3: this one with her toxic as it hurts, you know,

1423
01:08:25,880 --> 01:08:29,599
Speaker 3: But I'm learning to celebrate myself, so I'll show you

1424
01:08:29,640 --> 01:08:32,599
Speaker 3: this ring if for anybody that's watching visually. I went

1425
01:08:32,640 --> 01:08:35,000
Speaker 3: to Tiffany when I got the news, and I bought

1426
01:08:35,000 --> 01:08:38,360
Speaker 3: myself a very expensive Tiffany ring and it's an everyday

1427
01:08:38,400 --> 01:08:41,120
Speaker 3: piece of jewelry. So now I don't need my mom's validation.

1428
01:08:41,240 --> 01:08:43,720
Speaker 3: I have my own validation that I treated myself to

1429
01:08:44,120 --> 01:08:46,080
Speaker 3: as well as the launch party. You know, most people

1430
01:08:46,080 --> 01:08:47,920
Speaker 3: don't make to spend on the launch party, but I said,

1431
01:08:48,040 --> 01:08:50,040
Speaker 3: because of the challenges that I've been through in my

1432
01:08:50,080 --> 01:08:52,880
Speaker 3: life and health, recent health issues that I've had, is

1433
01:08:52,920 --> 01:08:55,160
Speaker 3: important for me to take the time to pause and

1434
01:08:55,280 --> 01:08:57,560
Speaker 3: celebrate this big milestone. And it was one of the

1435
01:08:57,600 --> 01:09:00,160
Speaker 3: happiest days of my life. It was last Monday, and

1436
01:09:00,200 --> 01:09:02,439
Speaker 3: I had people fly in from like five different states.

1437
01:09:02,479 --> 01:09:04,920
Speaker 3: There was about sixty people at a Mexican restaurant. It

1438
01:09:05,000 --> 01:09:05,920
Speaker 3: was such a good time.

1439
01:09:06,120 --> 01:09:08,759
Speaker 2: Yes, yeah, I told you half my life it's fomo

1440
01:09:08,840 --> 01:09:09,479
Speaker 2: because I wish I.

1441
01:09:09,439 --> 01:09:10,880
Speaker 3: Could be the gig.

1442
01:09:10,960 --> 01:09:11,559
Speaker 1: Where do you live.

1443
01:09:11,600 --> 01:09:14,160
Speaker 3: I'm in Chicago, Chicago based and Mandy, you were invited,

1444
01:09:14,160 --> 01:09:15,240
Speaker 3: but I don't think you can make it, and I know

1445
01:09:15,280 --> 01:09:16,600
Speaker 3: you had the babies and no.

1446
01:09:16,920 --> 01:09:19,439
Speaker 2: I definitely was invited and I knew and I would

1447
01:09:19,600 --> 01:09:21,200
Speaker 2: if I had said yes, I would have had to

1448
01:09:21,200 --> 01:09:23,800
Speaker 2: disappoint you because my son, of course got sick.

1449
01:09:23,920 --> 01:09:25,759
Speaker 3: But I know it's hard with the kiddos.

1450
01:09:25,840 --> 01:09:28,240
Speaker 1: We next, I come to Chicago because myself listen to Deerfield,

1451
01:09:28,360 --> 01:09:29,280
Speaker 1: so I go a few times.

1452
01:09:29,400 --> 01:09:31,360
Speaker 3: Well, Tiffany, the reason I signed because I was already

1453
01:09:31,360 --> 01:09:33,880
Speaker 3: a montee and your Patreon, but I was a month

1454
01:09:33,920 --> 01:09:35,479
Speaker 3: to month and then when you started saying if you

1455
01:09:35,479 --> 01:09:37,920
Speaker 3: sign up for the annual, you'll get first DIBs for

1456
01:09:38,120 --> 01:09:40,240
Speaker 3: when I come to your city, I like immediately signed

1457
01:09:40,280 --> 01:09:41,920
Speaker 3: up for the annual membership. So I'm waiting for you

1458
01:09:41,920 --> 01:09:43,960
Speaker 3: to come to Chicago to meet your life.

1459
01:09:44,280 --> 01:09:46,840
Speaker 1: Come back. I'm gonna definitely for sure, because like I said,

1460
01:09:46,880 --> 01:09:48,720
Speaker 1: i'd go visit her a few times a year, So

1461
01:09:49,080 --> 01:09:50,720
Speaker 1: next time I come, yeah, we're gonna have because we

1462
01:09:50,760 --> 01:09:52,120
Speaker 1: have such a good time.

1463
01:09:52,200 --> 01:09:54,639
Speaker 3: Yeah, I can't wait to meet everybody. I'll like minded

1464
01:09:54,680 --> 01:09:56,280
Speaker 3: women and to meet you that'd be amazing.

1465
01:09:56,760 --> 01:09:59,719
Speaker 1: Yes, Well, thank you for coming gig. Is there anything

1466
01:09:59,800 --> 01:10:02,040
Speaker 1: like where can people buy the book? Where can they

1467
01:10:02,320 --> 01:10:03,160
Speaker 1: connect with you?

1468
01:10:03,400 --> 01:10:03,639
Speaker 2: Yeah?

1469
01:10:03,680 --> 01:10:05,840
Speaker 3: You're so sweet and thank you again for having me on.

1470
01:10:06,600 --> 01:10:10,920
Speaker 3: The book is available on all major online retailers Amazon, Barnes,

1471
01:10:10,920 --> 01:10:15,120
Speaker 3: and Noble Bookshop dot org, which supports independent bookstores. You

1472
01:10:15,160 --> 01:10:18,400
Speaker 3: can also request a book from the library to access

1473
01:10:18,400 --> 01:10:22,240
Speaker 3: it for free, or from your local bookstore to support

1474
01:10:22,280 --> 01:10:25,360
Speaker 3: a small business owner. It is available to order through

1475
01:10:25,439 --> 01:10:27,680
Speaker 3: what's called ingram sparks. You don't have to memorize. I

1476
01:10:27,800 --> 01:10:30,360
Speaker 3: just say, hey, I want this book, can you stock it?

1477
01:10:30,760 --> 01:10:32,880
Speaker 3: Give them the IPN number, the name of the book,

1478
01:10:33,280 --> 01:10:35,880
Speaker 3: and cash to learn more about the book and where

1479
01:10:35,920 --> 01:10:39,000
Speaker 3: to buy. These are all linked on my page cash

1480
01:10:39,080 --> 01:10:42,080
Speaker 3: dot com. And again that's Tiffany. You taught me that.

1481
01:10:43,680 --> 01:10:45,080
Speaker 1: What's that website looking like?

1482
01:10:45,280 --> 01:10:48,360
Speaker 3: Yeah, you don't tell me because you're not a gatekeeper.

1483
01:10:48,400 --> 01:10:50,599
Speaker 3: So you said, don't send people to Amazon, create your

1484
01:10:50,600 --> 01:10:53,160
Speaker 3: own website where you control. Yeah, So if you go

1485
01:10:53,240 --> 01:10:55,320
Speaker 3: to duran cash dot com you will see all those

1486
01:10:55,360 --> 01:10:58,559
Speaker 3: online retailers linked, as well as some fun freebies and

1487
01:10:58,600 --> 01:11:01,760
Speaker 3: the blurb from Eva and all these other wonderful women,

1488
01:11:01,800 --> 01:11:04,800
Speaker 3: including Mandy who let me cloud chase off them so

1489
01:11:04,840 --> 01:11:06,799
Speaker 3: that I could get my book out into this community.

1490
01:11:08,040 --> 01:11:09,559
Speaker 1: And we're going to put it in the description, like

1491
01:11:09,560 --> 01:11:11,160
Speaker 1: the link in the description We're going to give you

1492
01:11:11,960 --> 01:11:14,320
Speaker 1: for Forkutu and cash. Well, we'll put that link and

1493
01:11:14,320 --> 01:11:16,320
Speaker 1: then where can they find you. They're like.

1494
01:11:18,200 --> 01:11:20,040
Speaker 3: So sweet and actually I forgot to mention also about

1495
01:11:20,120 --> 01:11:23,640
Speaker 3: the kudur and cash dot com website. There's also a

1496
01:11:23,720 --> 01:11:27,240
Speaker 3: freebie which is access to the first the introduction chapter,

1497
01:11:27,320 --> 01:11:30,360
Speaker 3: the full introduction chapter of the book in pedia format

1498
01:11:30,520 --> 01:11:32,640
Speaker 3: and in audio format. So that way, if you're kind

1499
01:11:32,640 --> 01:11:34,120
Speaker 3: of like I'm still on the fence about the book,

1500
01:11:34,160 --> 01:11:37,680
Speaker 3: that's completely free. You can accessit there and by visiting you.

1501
01:11:37,640 --> 01:11:39,800
Speaker 2: Read your book. What did you read the audio book?

1502
01:11:40,240 --> 01:11:41,800
Speaker 3: Not yet. I'm going to read it in May. And

1503
01:11:41,840 --> 01:11:43,080
Speaker 3: I'm terrified.

1504
01:11:43,040 --> 01:11:45,360
Speaker 2: Because wait, you're going to record it, okay, because I'm like,

1505
01:11:45,360 --> 01:11:46,760
Speaker 2: I want to listen to you read the book to.

1506
01:11:46,800 --> 01:11:50,360
Speaker 3: Me, I know, tell me her story. Yeah, they wanted

1507
01:11:50,360 --> 01:11:52,200
Speaker 3: me to record in November, but I talked to a

1508
01:11:52,280 --> 01:11:54,120
Speaker 3: voice coach and she said, you're not ready. You have

1509
01:11:54,200 --> 01:11:55,960
Speaker 3: to wait. You have to do some lessons because it's

1510
01:11:56,000 --> 01:11:58,479
Speaker 3: a skill, and I understand that. I didn't want to

1511
01:11:58,479 --> 01:12:00,240
Speaker 3: make it cringey for people to listen to. I'm like,

1512
01:12:00,320 --> 01:12:02,360
Speaker 3: let me take my time, take my voice lessons, and

1513
01:12:02,400 --> 01:12:04,000
Speaker 3: I'll do it in May and it'll be out in

1514
01:12:04,040 --> 01:12:06,240
Speaker 3: September of twenty twenty four, so that's coming. It'll be

1515
01:12:06,320 --> 01:12:07,920
Speaker 3: a while, but it'll come.

1516
01:12:08,800 --> 01:12:09,000
Speaker 1: Yeah.

1517
01:12:09,040 --> 01:12:11,160
Speaker 3: And if you go to the first Gator dot com,

1518
01:12:11,160 --> 01:12:13,720
Speaker 3: which is also work with and cash Lives, you will

1519
01:12:13,720 --> 01:12:16,360
Speaker 3: see all my socials. I'm very active on TikTok, Instagram

1520
01:12:16,400 --> 01:12:16,880
Speaker 3: and LinkedIn.

1521
01:12:18,160 --> 01:12:21,080
Speaker 1: Okay, you're so, you're the first gen mentor on TikTok, and.

1522
01:12:22,040 --> 01:12:26,080
Speaker 3: On TikTok is the first gen mentor on Instagram. Somebody

1523
01:12:26,080 --> 01:12:28,200
Speaker 3: had already taken it and they're not using it. They're

1524
01:12:28,240 --> 01:12:30,320
Speaker 3: not doing anything with it. So it's gig the first

1525
01:12:30,400 --> 01:12:33,479
Speaker 3: jad mentor Yeah on Instagram gg the first sad mentor.

1526
01:12:33,560 --> 01:12:35,160
Speaker 1: Yeah it is. It is so me and me and

1527
01:12:35,160 --> 01:12:37,120
Speaker 1: Mandy and we're like, we're the BA podcast brought a

1528
01:12:37,200 --> 01:12:38,679
Speaker 1: busy here, but we were so paid.

1529
01:12:38,680 --> 01:12:45,240
Speaker 2: They're not doing what they do still to this day.

1530
01:12:45,840 --> 01:12:48,519
Speaker 2: That's why on TikTok, I'm many money with free.

1531
01:12:50,960 --> 01:12:52,320
Speaker 3: Oh my god, that's so much fun.

1532
01:12:53,280 --> 01:12:54,439
Speaker 1: Maybe myself made you know how?

1533
01:12:54,680 --> 01:12:57,519
Speaker 2: Such a joy, Gigi. I can't wait to talk to

1534
01:12:57,560 --> 01:13:00,120
Speaker 2: you again and just catch up and.

1535
01:12:59,560 --> 01:13:02,759
Speaker 3: Hopefully thank come this year or sooner.

1536
01:13:02,760 --> 01:13:03,759
Speaker 1: Okay, who knows.

1537
01:13:04,200 --> 01:13:05,240
Speaker 3: Yeah, where do you live again?

1538
01:13:05,320 --> 01:13:07,680
Speaker 2: I can't I can't plan anything. That's what I'm saying. Oh,

1539
01:13:07,720 --> 01:13:10,280
Speaker 2: I know, I live in New York. Oh, New York

1540
01:13:10,360 --> 01:13:14,120
Speaker 2: City and Tips and Jersey Girl, I will be adjacent.

1541
01:13:14,200 --> 01:13:16,160
Speaker 3: Okay, I will be in New York City the first

1542
01:13:16,160 --> 01:13:18,559
Speaker 3: week of April, so I would love to reach out.

1543
01:13:18,960 --> 01:13:22,160
Speaker 2: Yeah, you got my number? Please?

1544
01:13:24,000 --> 01:13:26,160
Speaker 3: All right, thank you, thank you for having me on