WEBVTT - Cultura & Cash ft. Gigi Gonzalez

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<v Speaker 1>Hey, hey, hey, we're back. We're black, We're boo.

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<v Speaker 2>Boo boo bo.

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<v Speaker 3>Come on out.

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<v Speaker 1>Round and they should ambition And Amanda, I feel like

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<v Speaker 1>we haven't been in this stew together in a little while.

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<v Speaker 1>How are you?

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<v Speaker 2>I'm like the Chris Kirkpatrick of this singing duo, do

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<v Speaker 2>you know what I mean? Like the en Sync member

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<v Speaker 2>doing the least while like you, you're just not doing

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<v Speaker 2>like the whole life dance, just like bye, oh man,

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<v Speaker 2>did I see some flights flickering flickering? Or did I

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<v Speaker 2>see some lights flickering? Or am I having a see shirt?

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<v Speaker 1>No, let's hope neither.

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<v Speaker 2>But it was just how okay, okay, all right, it's fine,

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<v Speaker 2>everything is fine. Have you been I've been good. I

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<v Speaker 2>feel like I haven't seen you in ages.

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<v Speaker 1>What happened?

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

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<v Speaker 2>Remy started daycare. I just it was so funny because

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<v Speaker 2>after the show where I came on the day that

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<v Speaker 2>he started daycare, I was just I was effusively happy.

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<v Speaker 2>You were annoyingly so I'm sure giddy af and I

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<v Speaker 2>had people who respond like send messages like we're so

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<v Speaker 2>happy for you. Da da da da da and then

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<v Speaker 2>you know, what goes up must come down, and that

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<v Speaker 2>just means daycare germs hit us with a vengeance last week,

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<v Speaker 2>poor kiddo. Yeah, so anyway, I lost a week of

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<v Speaker 2>work productivity. But I think you and I talked, and

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<v Speaker 2>it's the constant reminder that I'm privileged to be able

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<v Speaker 2>to just set aside the work and be there with

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<v Speaker 2>my kiddo and the one silver lining. And I think

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<v Speaker 2>a lot of moms with partners, might you know, might

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<v Speaker 2>not judge me too harshly for this, but I was like,

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<v Speaker 2>ooh when husband got sick too, I said, ooh, childcare.

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<v Speaker 2>So I was still able to do the podcast. But

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<v Speaker 2>you know, since the season, how are you, my little Daisy?

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<v Speaker 1>I know I'm going to keete lit okay, day, I

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<v Speaker 1>am good. I actually so I went to Boston because

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<v Speaker 1>I was a bastard. I was taping the Mail Robin's show,

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

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

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<v Speaker 1>Christ Main. I didn't know this, but she she of

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<v Speaker 1>course you mentioned Brianna Vission. She had the number twenty

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<v Speaker 1>five podcast, No. Twenty one podcast of all podcasts, like

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<v Speaker 1>in the United States last year, no, no, no, I

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<v Speaker 1>think last year she was number five, but as of

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

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<v Speaker 1>oh my god, this is kind of a big demo being.

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<v Speaker 2>The number one book on Amazon. I feel like girl podcasts.

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<v Speaker 1>Yes, But when I was out there, actually had so

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<v Speaker 1>when I go different places, I try to have meetups

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<v Speaker 1>with my mentees, and so I had a meet up.

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<v Speaker 1>It was last minute, so two menties who were available.

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<v Speaker 1>We had dinner at this place.

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<v Speaker 2>Uh.

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<v Speaker 1>I stayed in this hotel called the Envoy and they

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<v Speaker 1>had like a restaurant below and they were both avid

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<v Speaker 1>Brian and Vishion listeners. So I told them Marcy and Tomisha,

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

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<v Speaker 2>Mean you're having a whole meal with her and still

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<v Speaker 2>and not me. But they were so the exact same thing.

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

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<v Speaker 1>We listened to Brian and bishon Amanda. I said, I

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<v Speaker 1>love you got so much. I know, so I was like,

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<v Speaker 1>I'm gonna shout you out. They were like, I'm like,

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<v Speaker 1>it's your shadow. So that was really awesome. I love that.

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<v Speaker 2>Yeah, in Boston, let me say, because I've got several

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<v Speaker 2>Boston I just don't think of like Boston being the

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<v Speaker 2>capital for Black America. I don't think it is. But

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

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<v Speaker 2>And I've got a variety of answers. But I know

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<v Speaker 2>this past summer, when one of my Mandy money makers

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<v Speaker 2>went to Boston for the Renaissance show there, she linked

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<v Speaker 2>up with she was just posted in the slack our

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<v Speaker 2>slack channel like any other Boston Makers is going to

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<v Speaker 2>be around, and they were able to meet up. And

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

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<v Speaker 2>now we get to go around and too and have

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<v Speaker 2>friends and like hang out.

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<v Speaker 1>Yes, it was great, honestly, we talked about money, talk

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<v Speaker 1>about businesses. It was just a really great conversation. But

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<v Speaker 1>I just love that people were like it was crazy

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<v Speaker 1>because I told you I went to Puerto Rico for

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<v Speaker 1>that ROI conference held by Rachel Rogers, and the woman

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<v Speaker 1>was like a brand A vision always always delights me,

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<v Speaker 1>not much insta but like, oh my god, Branda Vision,

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<v Speaker 1>which is always crazy to me because I'm just like

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<v Speaker 1>I don't know how many people actually watch us visually.

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<v Speaker 1>I feel like brown a vision.

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<v Speaker 2>Is more like, you know, like we have a lot

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<v Speaker 2>of YouTube. We're like a few thousand YouTube subscribers. I

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<v Speaker 2>think now by the way.

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<v Speaker 1>You know, I'm like, is that on YouTube? So I

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<v Speaker 1>never know, like, oh, okay, you warned. I know you

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<v Speaker 1>listen because the girls listening according to our numbers.

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<v Speaker 2>I don't know how much longer we're going to get

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<v Speaker 2>away with that whole Taylor Swift, you know, when she

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<v Speaker 2>used to get so much shit for being so humble,

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

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<v Speaker 2>you know little me, But come on, now, we've been

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<v Speaker 2>in the game for a minute.

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<v Speaker 1>Yeah, we weren't known for it.

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

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<v Speaker 2>I told you. I woke up like I couldn't sleep

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<v Speaker 2>because Remy was up again. He was sick for some reason.

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<v Speaker 2>I was like, I wonder what I sounded like during

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<v Speaker 2>the pandemic with a baby, And I went back a

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<v Speaker 2>few years to our catalog and listen to the episodes

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<v Speaker 2>before and after that. I'm so grateful that we have

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<v Speaker 2>this show. It's like a time capsule and I do

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<v Speaker 2>think I sounded younger, but I also sounded so tired.

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<v Speaker 3>You know.

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<v Speaker 2>I was really struggling with anxiety then, and I was like, oh,

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<v Speaker 2>I forgot I cried in that episode. Anyway, show has

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<v Speaker 2>just been But what really cracked me out. The show's

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<v Speaker 2>been so great for so long. But what cracked me

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<v Speaker 2>up was that the this is back when I was

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<v Speaker 2>editing before Emani. We hadn't gotten our new podcast partner.

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<v Speaker 2>I forgot to cut the beginning of the show when

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<v Speaker 2>I was like, Okay, Tiffany, do it again, get closer

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<v Speaker 2>to the mic. So if you go back to that episode,

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

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<v Speaker 2>I'm like, dang I did. I was like, I sounded

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<v Speaker 2>like you had done it before.

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<v Speaker 1>First of all, I love it, you know what you

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

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<v Speaker 1>just saying it now. Remember there was like like a

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<v Speaker 1>year where every episode I'm tired, That's what like I

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<v Speaker 1>was saying, Yeah, Like, you just brought it back, and

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<v Speaker 1>I was just tired.

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<v Speaker 3>I didn't.

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<v Speaker 1>I was so overworked and overwhelmed, and it literally just

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<v Speaker 1>brought it back because I don't feel like that now.

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

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<v Speaker 2>What a skip this question?

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<v Speaker 1>What a difference therapy makes? Like for real? Yes, I

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<v Speaker 1>was so overwhelmed worked. I was so overwhelmed. I didn't

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<v Speaker 1>not have said boundaries. So I felt like I was

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<v Speaker 1>always exhausted because I was. But I don't feel like that.

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<v Speaker 1>I just look now thinking about it, I'm like, Wow,

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<v Speaker 1>I used to always be tired, and I used to think,

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<v Speaker 1>is this how it always is? That You're just gonna

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<v Speaker 1>always be exhausted because business got you like this? And

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<v Speaker 1>I'm like, naw, I rebuke that.

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<v Speaker 2>So I rebuke it in the name of the Lord.

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<v Speaker 2>There's one thing that I said in that show that

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<v Speaker 2>really resonates with what you just said, which is when

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<v Speaker 2>I was going through that crazy, that like really difficult

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<v Speaker 2>postpartum time on the show, I was articulating it really well.

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<v Speaker 2>I said, I was pound the back. I said, right now,

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<v Speaker 2>the fog or the fog feels opaque, the fog feels

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<v Speaker 2>like it's never going to clear. But and then a

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

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<v Speaker 2>couple of weeks later, I had started seeing a psychiatrist,

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<v Speaker 2>my therapist more regularly, and I was like, okay, so

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<v Speaker 2>the difference is the fog feels like eventually it will lift,

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<v Speaker 2>like I see the other side, which is so it

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<v Speaker 2>just is so indicative of how when you're in this

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<v Speaker 2>like depressive episode or anxiety spiral, do you feel like

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<v Speaker 2>it's going to always be that way or can you

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<v Speaker 2>get yourself to a place where you at least recognize

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<v Speaker 2>this is a moment in time, it will pass. And

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<v Speaker 2>once I once that clicked for me, that helps so

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<v Speaker 2>much with any kind of and those anxiety loops that

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<v Speaker 2>those little rides I go on sometimes because we're never

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

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<v Speaker 2>always going to come back. There's going to be life.

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<v Speaker 2>Life is always going to life. But what really has

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<v Speaker 2>carried me through those times is just like, Okay, this

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<v Speaker 2>is not forever. Don't get in that spiral of like

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<v Speaker 2>shout out to.

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<v Speaker 1>Growth, I know, like the Kelly Growth. We're doing the

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<v Speaker 1>Kelly hands from well I speaking of growth and good news.

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<v Speaker 1>Me and Mandy we're talking with line as we always

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<v Speaker 1>zoop for this about Wall Street Journal, that awesome article.

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<v Speaker 2>Oh yeah, let's read that headline because I had not

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<v Speaker 2>seen this yet because I listen. I don't subscribe to.

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<v Speaker 1>The Low Street either, but I just saw a lot

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<v Speaker 1>of people posting it.

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<v Speaker 2>Black investors Yeah, oh you go you read no.

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<v Speaker 1>No, no, god, oh, they they're so polite.

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<v Speaker 2>Black investors are the biggest new group of stock buyers.

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<v Speaker 2>Nearly forty percent of Black Americans own stocks in twenty

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<v Speaker 2>twenty two, up from just under a third and twenty sixteen,

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<v Speaker 2>according to the Federal Reserve. That's that's like almost a

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<v Speaker 2>ten point Can I do math? It's like an eight

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

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<v Speaker 1>And so it says, like, let me see, why do

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<v Speaker 1>they think this is Let's see. Let's see it says

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<v Speaker 1>approximately seventy percent of surveys of survey of the survey's

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<v Speaker 1>black participants under forty were investing. Wow, so under forty,

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<v Speaker 1>it's seventy percent compared to sixty percent of their white

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

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<v Speaker 1>be that again. A survey by Aerial Investments in Charles

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<v Speaker 1>Schwap revealed that the growth is led by young investors

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<v Speaker 1>under forty, Approximately seventy percent of the surveys, black participants

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<v Speaker 1>under forty were investing compared to sixty percent of their

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

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<v Speaker 1>don't know how long, I don't know how big the

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<v Speaker 1>survey sample sizes, but according to the survey, they're even

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<v Speaker 1>out pacing white investors. You're seeing topics of money and

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<v Speaker 1>investing coming up at dinner tables slightly more among young

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<v Speaker 1>black families than ever before. They feel like it's fueled

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<v Speaker 1>by mobile apps, commission free trading participation in four one

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<v Speaker 1>K crypto means stocks, and social media experts noted young

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<v Speaker 1>black investors increase access to financial tools and information. So

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<v Speaker 1>two things. One, look what happens when access is I mean,

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<v Speaker 1>because you know they love to tell you, oh, people

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<v Speaker 1>need to not buying Jordans or whatever Shenanigan, Right, Oh

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<v Speaker 1>you want to get that weaker, but you know what,

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<v Speaker 1>the weave can be bought as well. Yes, So what

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<v Speaker 1>happens is that one, we know that there was a

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<v Speaker 1>lack of access before, not only to like low cost investing,

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<v Speaker 1>but also to information. Something in here to me that

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<v Speaker 1>kind of I feel like they missed a mark on

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<v Speaker 1>is that it wasn't just like, oh, there are apps

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<v Speaker 1>and things like that, do you understand, Like we know

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<v Speaker 1>the people including ourselves that have like led the charge

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<v Speaker 1>of like access to financial education, but we're talking about

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<v Speaker 1>specifically investing during the pandemic. I mean Wall Street Chrapper

0:11:40.160 --> 0:11:44.120
<v Speaker 1>blew up earning your leisure with Market Mondays, especially Ian Dunlap,

0:11:44.320 --> 0:11:48.480
<v Speaker 1>the master investor Terry Ijama of Trade and Travels. She

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<v Speaker 1>she's been on the show, but also for two or

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<v Speaker 1>three years straight, she was the number one course creator

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<v Speaker 1>on the teachable platform. Yeah, Like, I mean, you know,

0:11:57.760 --> 0:12:02.000
<v Speaker 1>we both know Tila Hokum Many Broadway, who was making

0:12:02.000 --> 0:12:04.720
<v Speaker 1>eight figures a year teaching investing, especially the black women.

0:12:05.280 --> 0:12:09.720
<v Speaker 1>So there there is a cadre of black educators in

0:12:09.800 --> 0:12:15.679
<v Speaker 1>the space who were literally creating tools, products, resources that

0:12:15.800 --> 0:12:19.360
<v Speaker 1>help people to navigate what sometimes can be the scary

0:12:19.400 --> 0:12:22.000
<v Speaker 1>process of investing in the stock market. In the market. Yeah,

0:12:22.040 --> 0:12:23.920
<v Speaker 1>and so you got to learn from people who were

0:12:23.960 --> 0:12:27.520
<v Speaker 1>culturally relevant as well as experts in their space. That

0:12:27.559 --> 0:12:28.440
<v Speaker 1>part is important.

0:12:28.520 --> 0:12:29.880
<v Speaker 2>Not enough, yeah girl, right?

0:12:29.960 --> 0:12:32.560
<v Speaker 1>That culture right? So I just I like, so I

0:12:32.600 --> 0:12:34.640
<v Speaker 1>wish that they really leaned into that more and here

0:12:34.679 --> 0:12:36.840
<v Speaker 1>that it wasn't just the apps, because the act doesn't

0:12:36.880 --> 0:12:39.280
<v Speaker 1>the app's been here. It was that there was somebody

0:12:39.280 --> 0:12:41.800
<v Speaker 1>to explained to you in a way that made sense.

0:12:42.000 --> 0:12:44.720
<v Speaker 1>This is how you do it.

0:12:44.880 --> 0:12:48.360
<v Speaker 2>Give the black financial influencers their flowers. That is what

0:12:48.440 --> 0:12:51.560
<v Speaker 2>I'm saying. There is this. I remember doing an interview

0:12:51.640 --> 0:12:54.760
<v Speaker 2>for one of the oldest and crustiest and most high

0:12:54.840 --> 0:13:00.240
<v Speaker 2>row magazines, The Economist. Yeah, two years ago, was twenty

0:13:00.320 --> 0:13:02.760
<v Speaker 2>twenty one, and it was an article and then reporter

0:13:03.160 --> 0:13:05.120
<v Speaker 2>and I have a background in journalism, y'all know that,

0:13:05.280 --> 0:13:07.600
<v Speaker 2>so I understand what the angle was. They were trying

0:13:07.640 --> 0:13:11.440
<v Speaker 2>to do a story on TikTok influencers and is it

0:13:11.520 --> 0:13:14.800
<v Speaker 2>safe to get your advice from social media? And I

0:13:15.360 --> 0:13:17.000
<v Speaker 2>was listening to the questions from the writer and it

0:13:17.040 --> 0:13:18.800
<v Speaker 2>was clear that she was thinking, Oh, this is not

0:13:18.880 --> 0:13:21.559
<v Speaker 2>good because like, y'all aren't experts, you're not certified and

0:13:21.600 --> 0:13:25.720
<v Speaker 2>da da da da da, And that is the old

0:13:25.800 --> 0:13:30.080
<v Speaker 2>school traditional gatekeeping. Oh, but spent a lot of money

0:13:30.559 --> 0:13:33.760
<v Speaker 2>to get this, Like what we say is a valid expert,

0:13:33.960 --> 0:13:38.240
<v Speaker 2>a valid source of information. You know, this certified financial planner,

0:13:38.280 --> 0:13:40.360
<v Speaker 2>this investment advisor who's going to sell you a bunch

0:13:40.360 --> 0:13:44.320
<v Speaker 2>of insurance that you don't need so I think that

0:13:44.520 --> 0:13:48.600
<v Speaker 2>media is still coming around to the fact that there

0:13:48.679 --> 0:13:55.400
<v Speaker 2>is legitimate power, legitimate good that can come from the

0:13:55.440 --> 0:13:59.400
<v Speaker 2>wealth of like the you know, democratization of information, the

0:13:59.440 --> 0:14:02.520
<v Speaker 2>availability of it, and the fact that we're taking it

0:14:02.520 --> 0:14:05.120
<v Speaker 2>into our own hands and educating people who look like us.

0:14:05.160 --> 0:14:08.040
<v Speaker 2>And yeah, it's about dan time. I feel like we

0:14:08.080 --> 0:14:12.200
<v Speaker 2>get that validation. Not that we need it, but no

0:14:12.280 --> 0:14:16.079
<v Speaker 2>more of this. But is it really helpful? Is it

0:14:16.240 --> 0:14:17.040
<v Speaker 2>really safe?

0:14:17.760 --> 0:14:17.960
<v Speaker 1>Yeah?

0:14:18.040 --> 0:14:20.760
<v Speaker 2>I think the best educators, like all the people you named,

0:14:20.960 --> 0:14:25.760
<v Speaker 2>are giving well rounded yes, you know, information so that

0:14:25.800 --> 0:14:29.520
<v Speaker 2>people aren't out there taking huge risks. You know that

0:14:29.560 --> 0:14:31.960
<v Speaker 2>they shouldn't because we care about because they you know,

0:14:32.000 --> 0:14:34.080
<v Speaker 2>we are speaking to our audience and we happen to

0:14:34.160 --> 0:14:37.680
<v Speaker 2>care a lot about them, yes, and not doing a

0:14:37.680 --> 0:14:39.600
<v Speaker 2>bait and switch and not just taking their money and

0:14:39.640 --> 0:14:41.560
<v Speaker 2>running for the hills and saying good luck with that

0:14:41.800 --> 0:14:45.000
<v Speaker 2>we care and that you can't. It's hard to put

0:14:45.000 --> 0:14:46.920
<v Speaker 2>a price tag or a certification on that.

0:14:47.000 --> 0:14:49.400
<v Speaker 1>But because like, what's the alternative? Before you were locked

0:14:49.400 --> 0:14:52.280
<v Speaker 1>out of this space, and so now do I think like,

0:14:52.520 --> 0:14:55.080
<v Speaker 1>certainly discernment still has to be used no matter what.

0:14:56.880 --> 0:15:00.760
<v Speaker 1>That's what's so great that there are a the myriad

0:15:00.760 --> 0:15:03.600
<v Speaker 1>of people to listen to and you can compare and contrast, like,

0:15:03.640 --> 0:15:07.560
<v Speaker 1>well Terry said this, but master Investor said this. So

0:15:07.640 --> 0:15:10.960
<v Speaker 1>you know, what you're finding is a more educated consumer

0:15:11.320 --> 0:15:14.160
<v Speaker 1>who is asking questions now like well, why should I

0:15:14.160 --> 0:15:16.600
<v Speaker 1>just get that in the atf Well should I put

0:15:16.600 --> 0:15:18.720
<v Speaker 1>my money at the marketplace? Because here's the thing. So

0:15:18.760 --> 0:15:21.960
<v Speaker 1>there is this black millionaire. His name is Cedric Nash,

0:15:22.000 --> 0:15:24.240
<v Speaker 1>and he is on the road to make like a

0:15:24.280 --> 0:15:28.960
<v Speaker 1>thousand millionaires. And Cedric is just like this awesome guy

0:15:29.440 --> 0:15:31.120
<v Speaker 1>that I met, like at a conference some of the

0:15:31.200 --> 0:15:33.960
<v Speaker 1>years back and earn your leisures investments, and Cedric is like,

0:15:34.000 --> 0:15:35.680
<v Speaker 1>I have built wealth for myself to a place where

0:15:35.680 --> 0:15:37.960
<v Speaker 1>I really don't even have to work anymore, Like tremendous wealth.

0:15:38.080 --> 0:15:40.320
<v Speaker 1>Not like there's nothing wrong with a few million like me,

0:15:40.400 --> 0:15:44.080
<v Speaker 1>but I'm talking about will will you know? So Cedric

0:15:44.120 --> 0:15:46.160
<v Speaker 1>has been teaching these free classes that I've been like,

0:15:46.680 --> 0:15:48.640
<v Speaker 1>gonna be speaking at one of them every Monday. It

0:15:48.680 --> 0:15:51.280
<v Speaker 1>was speaking of it to Day's Monday, right, Yeah, that's right,

0:15:51.400 --> 0:15:55.640
<v Speaker 1>every Monday. No, but every Monday it's free and awesome.

0:15:56.600 --> 0:15:59.840
<v Speaker 1>Every Monday, Cedric just teaches a free class like, what's

0:15:59.840 --> 0:16:02.000
<v Speaker 1>a budget? I mean that bunch a budget, which is stock.

0:16:02.320 --> 0:16:07.200
<v Speaker 1>What's a bond? It's awesome. So the purpose of the channels. Yes,

0:16:07.280 --> 0:16:10.000
<v Speaker 1>it's fifty two weeks long, it doesn't cost anything. What

0:16:10.040 --> 0:16:13.080
<v Speaker 1>I love about it is that the purpose is you

0:16:13.160 --> 0:16:15.160
<v Speaker 1>kind of do this worksheet to see where your net

0:16:15.200 --> 0:16:17.960
<v Speaker 1>worth is and by the end you get to see, like,

0:16:18.120 --> 0:16:20.520
<v Speaker 1>my networth has grown. So he had people who took

0:16:20.560 --> 0:16:22.360
<v Speaker 1>the challenge last year who were taking it again. They

0:16:22.360 --> 0:16:25.320
<v Speaker 1>were like, it was so awesome, completely free. Cedric is

0:16:25.360 --> 0:16:26.840
<v Speaker 1>just like, I want to look around and see other

0:16:26.840 --> 0:16:29.280
<v Speaker 1>people like me on the private island, on the yacht,

0:16:29.400 --> 0:16:31.240
<v Speaker 1>you know, and that's what you so desire. And one

0:16:31.280 --> 0:16:32.680
<v Speaker 1>guy was on there was like I was able to

0:16:32.760 --> 0:16:34.840
<v Speaker 1>raise my net worth one hundred and forty seven percent

0:16:35.200 --> 0:16:37.920
<v Speaker 1>from before and it was awesome. So he's back for more.

0:16:38.240 --> 0:16:41.040
<v Speaker 1>So I say all that to say that, you know,

0:16:41.200 --> 0:16:43.880
<v Speaker 1>there are people are people who look like us out

0:16:43.880 --> 0:16:47.480
<v Speaker 1>here who are wanting what's best and are wanting to

0:16:47.520 --> 0:16:51.120
<v Speaker 1>share that information so other people have access. Because Cedric

0:16:51.240 --> 0:16:53.160
<v Speaker 1>is like, you know, my mentors didn't look like me,

0:16:53.760 --> 0:16:55.680
<v Speaker 1>and I wonder like, why are they're not more of

0:16:55.760 --> 0:16:58.480
<v Speaker 1>us here? And maybe it's just a lack of access

0:16:58.520 --> 0:17:00.680
<v Speaker 1>to education. And so I just love that there are

0:17:00.720 --> 0:17:02.880
<v Speaker 1>people out here who were just out here wanting what's

0:17:02.920 --> 0:17:06.720
<v Speaker 1>best for us. And so, yeah, you don't have to

0:17:06.800 --> 0:17:10.480
<v Speaker 1>navigate the space by yourself. There's so many financial educators

0:17:10.480 --> 0:17:13.160
<v Speaker 1>in general, but you know, more and more, you're seeing

0:17:13.200 --> 0:17:16.800
<v Speaker 1>more and more financial educators who are focusing on investing

0:17:16.920 --> 0:17:19.320
<v Speaker 1>in its most traditional sense, So you don't have to

0:17:19.359 --> 0:17:20.879
<v Speaker 1>like wonder, like what do I put? What do I

0:17:20.920 --> 0:17:23.200
<v Speaker 1>do with my four one k? Like Centric said something

0:17:23.240 --> 0:17:26.320
<v Speaker 1>really smart in last week's class. He said, there was

0:17:26.359 --> 0:17:29.880
<v Speaker 1>so much wealth loss because there was a mass exodus.

0:17:30.440 --> 0:17:33.359
<v Speaker 1>Studies show of black people from the market when the

0:17:33.400 --> 0:17:38.440
<v Speaker 1>recession hit two and eight one, yeah, and nine and

0:17:38.440 --> 0:17:41.840
<v Speaker 1>ten right, because all of a sudden market crash and

0:17:41.880 --> 0:17:44.040
<v Speaker 1>we were afraid because we didn't have the education, so

0:17:44.080 --> 0:17:45.080
<v Speaker 1>we pulled our money out.

0:17:45.720 --> 0:17:46.520
<v Speaker 2>Yeah, because we were.

0:17:46.440 --> 0:17:47.679
<v Speaker 1>Like, oh my gosh, I had ten thousand.

0:17:47.680 --> 0:17:51.400
<v Speaker 2>Now didn't have any money to pull out that baby, oky, So.

0:17:51.359 --> 0:17:53.159
<v Speaker 1>We pulled our money out, and a lot of us

0:17:53.160 --> 0:17:55.520
<v Speaker 1>pulled our money out to just you know, have access

0:17:55.520 --> 0:17:57.359
<v Speaker 1>to Like I pulled my money out just so I

0:17:57.359 --> 0:18:00.560
<v Speaker 1>could pay my mortgage, you know, because you know, so

0:18:00.600 --> 0:18:02.480
<v Speaker 1>we pulled our money out. He said, the problem is

0:18:02.720 --> 0:18:08.919
<v Speaker 1>between two thousand, like nine and two thousand, it was

0:18:08.960 --> 0:18:11.639
<v Speaker 1>like sixteen or seventeen or whatever. Nineteen it was the

0:18:11.760 --> 0:18:14.680
<v Speaker 1>longest bull run of this bock market in our history.

0:18:14.720 --> 0:18:19.000
<v Speaker 1>So a bull run is when the market yields. It

0:18:19.080 --> 0:18:22.120
<v Speaker 1>grows year after year after year. So when it's a bear,

0:18:22.359 --> 0:18:26.359
<v Speaker 1>the market is contracting, meaning like you're losing money. Bull

0:18:26.440 --> 0:18:28.679
<v Speaker 1>runs are when the market grows. So he said, we

0:18:28.680 --> 0:18:31.160
<v Speaker 1>had the longest bull worm in history. And guess who

0:18:31.240 --> 0:18:34.640
<v Speaker 1>wasn't in the market, My people, because we had pulled

0:18:34.680 --> 0:18:37.000
<v Speaker 1>our money out because and I mean I'm not I

0:18:37.040 --> 0:18:40.240
<v Speaker 1>was one of them. I didn't know. But folks understood

0:18:40.280 --> 0:18:43.120
<v Speaker 1>that like ooh, when there's a contraction, the market will

0:18:43.160 --> 0:18:45.560
<v Speaker 1>expand later, just stick with it. As a matter of fact,

0:18:45.640 --> 0:18:48.639
<v Speaker 1>put even more money in when things are low. And

0:18:48.680 --> 0:18:50.399
<v Speaker 1>so we didn't. And then what do we do. We

0:18:50.480 --> 0:18:53.840
<v Speaker 1>came back into the market twenty sixteen, seventeen after the

0:18:53.840 --> 0:18:55.439
<v Speaker 1>bull wing was over, when the market was back at

0:18:55.440 --> 0:18:58.480
<v Speaker 1>the high, and so we lost all of that potential

0:18:58.520 --> 0:19:02.000
<v Speaker 1>growth and income and wealth. And so when he said it,

0:19:02.040 --> 0:19:03.600
<v Speaker 1>I was like, wow.

0:19:04.040 --> 0:19:04.720
<v Speaker 2>Don't you see?

0:19:05.119 --> 0:19:06.560
<v Speaker 1>Oh, go ahead, go ahead, No, no, no, go ahead.

0:19:07.080 --> 0:19:08.760
<v Speaker 2>I was just going to bring it around to show

0:19:08.800 --> 0:19:11.160
<v Speaker 2>that even if you missed, it's not like you missed

0:19:11.200 --> 0:19:13.320
<v Speaker 2>an opportunity and that was it. Because then I do

0:19:13.359 --> 0:19:16.640
<v Speaker 2>feel like what this data shows is that we were

0:19:16.760 --> 0:19:22.679
<v Speaker 2>ready and educated for the post pandemic you know, bull market,

0:19:22.760 --> 0:19:25.960
<v Speaker 2>because the market tanked when the pandemic hit, but then

0:19:26.000 --> 0:19:31.679
<v Speaker 2>it was like gangbusters. Yes, yes, so it was the

0:19:31.760 --> 0:19:34.359
<v Speaker 2>right And I think that because a lot of the

0:19:34.400 --> 0:19:38.320
<v Speaker 2>experts today like yourself, who experienced that, went through it

0:19:38.680 --> 0:19:41.320
<v Speaker 2>and can say, okay, now we have the we felt

0:19:41.320 --> 0:19:43.000
<v Speaker 2>that we know what that's like, and still we're going

0:19:43.040 --> 0:19:46.120
<v Speaker 2>to do the the you know, the more intelligent way

0:19:46.160 --> 0:19:49.359
<v Speaker 2>of investing, the strategic way, and understand that these lulls happen,

0:19:50.040 --> 0:19:51.879
<v Speaker 2>but you don't want to miss out on the upside.

0:19:52.200 --> 0:19:55.440
<v Speaker 3>Yeah, right time. I know.

0:19:56.760 --> 0:19:59.440
<v Speaker 1>I'm just like, look at us, like, honestly, black folks,

0:19:59.480 --> 0:20:01.280
<v Speaker 1>I'm just if you're not black, you know, just come

0:20:01.280 --> 0:20:03.639
<v Speaker 1>on into the room. You can have some cake too. Well,

0:20:03.680 --> 0:20:06.399
<v Speaker 1>it's like this this is so salvatory, you know, like

0:20:06.480 --> 0:20:07.320
<v Speaker 1>look at us.

0:20:07.880 --> 0:20:10.680
<v Speaker 2>My daddy got his first four oh one k see

0:20:11.240 --> 0:20:12.960
<v Speaker 2>in the past, I opened it for him and he

0:20:13.000 --> 0:20:14.560
<v Speaker 2>recently asked me to check on it, and I was like,

0:20:14.600 --> 0:20:20.159
<v Speaker 2>you're up ten percent, look at you. Yeah, he's sixty.

0:20:20.240 --> 0:20:22.159
<v Speaker 2>So I'm just saying, for you late investors, there's no

0:20:22.200 --> 0:20:25.320
<v Speaker 2>such thing you have time. That's a really good segue, though,

0:20:25.320 --> 0:20:29.280
<v Speaker 2>because today's guest. Today's guest is someone who I met

0:20:29.280 --> 0:20:30.840
<v Speaker 2>a couple of years ago and is one of the

0:20:30.880 --> 0:20:35.240
<v Speaker 2>newer influencers like you were just saying, tip and specifically

0:20:36.119 --> 0:20:40.679
<v Speaker 2>is making huge waves and focusing on the Latina Latino

0:20:41.200 --> 0:20:46.000
<v Speaker 2>Hispanic market, I hate to say market, Hispanic community, and

0:20:46.160 --> 0:20:49.360
<v Speaker 2>is just doing extraordinary things. And I think in addition

0:20:49.440 --> 0:20:52.240
<v Speaker 2>to the strides that we've seen and black investing, I

0:20:52.280 --> 0:20:56.399
<v Speaker 2>want to know how's looking for all the minorities, you know,

0:20:56.520 --> 0:20:58.359
<v Speaker 2>for all of us over here who are making up

0:20:58.400 --> 0:21:01.600
<v Speaker 2>for lost time. So we're to be joined by Gigi Gonzalez.

0:21:01.640 --> 0:21:04.399
<v Speaker 2>You has a brand new book out called in Cash,

0:21:04.560 --> 0:21:08.840
<v Speaker 2>and she is going to be here live in the studio.

0:21:09.520 --> 0:21:11.239
<v Speaker 2>Look at that. Yeah, hold hey, hold it up. Let

0:21:11.240 --> 0:21:13.920
<v Speaker 2>people take a screenshot to watch it on YouTube. All right,

0:21:13.960 --> 0:21:15.720
<v Speaker 2>So we'll take a quick break and be right back

0:21:15.760 --> 0:21:22.639
<v Speaker 2>with our guest. Okay, hid, but.

0:21:22.800 --> 0:21:27.479
<v Speaker 1>We have to come back and say, oh, you know,

0:21:27.560 --> 0:21:32.240
<v Speaker 1>I've got a high school equivalent to Spanish. So although

0:21:32.359 --> 0:21:35.160
<v Speaker 1>Mandy speaks like she's straight the Midicanka, but I got

0:21:35.160 --> 0:21:38.600
<v Speaker 1>my little like me Nueva liber Liberal.

0:21:42.400 --> 0:21:44.399
<v Speaker 2>I love that you put the black s on the

0:21:44.480 --> 0:21:45.480
<v Speaker 2>end of Henday.

0:21:45.359 --> 0:21:54.960
<v Speaker 1>She said, Oh my god, it's like Shrimp's Walmart's aldis

0:21:55.080 --> 0:21:56.000
<v Speaker 1>write the black ass.

0:21:56.040 --> 0:21:58.639
<v Speaker 3>I am so to be in your presence, and I

0:21:59.119 --> 0:22:00.960
<v Speaker 3>remember thinking like, what if one day I get to

0:22:00.960 --> 0:22:02.720
<v Speaker 3>be on the brunt ambition? And I honestly thought I

0:22:02.840 --> 0:22:04.960
<v Speaker 3>was so out of my like reach because you guys

0:22:04.960 --> 0:22:06.960
<v Speaker 3>are so big and man day got to meet you

0:22:07.040 --> 0:22:09.480
<v Speaker 3>at fin Con, Tiffany, when you recently followed me, I

0:22:09.520 --> 0:22:12.639
<v Speaker 3>was like, oh my god. So I'm just very thankful

0:22:12.680 --> 0:22:14.320
<v Speaker 3>honestly to be here. I'm a big fan of both

0:22:14.320 --> 0:22:14.520
<v Speaker 3>of you.

0:22:15.920 --> 0:22:18.680
<v Speaker 2>Oh like wise, I was so sad I didn't get

0:22:18.680 --> 0:22:20.560
<v Speaker 2>to see y'all again at fin Con this year. But

0:22:20.640 --> 0:22:22.160
<v Speaker 2>you know, my honeymoon girl.

0:22:21.960 --> 0:22:28.240
<v Speaker 3>I had a good Excuseaby, Yeah, yeah, you had.

0:22:28.320 --> 0:22:29.359
<v Speaker 2>Yeah, you had a lot going on.

0:22:29.440 --> 0:22:32.119
<v Speaker 3>I had my honeymoon and overdue honeymoon, and Tiffany, you

0:22:32.359 --> 0:22:35.240
<v Speaker 3>boycott think on right if I remember.

0:22:35.080 --> 0:22:40.800
<v Speaker 1>No working on I'm like, let's just say I will

0:22:40.840 --> 0:22:42.800
<v Speaker 1>be kind of scared if I came around. Yeah, I

0:22:42.840 --> 0:22:45.680
<v Speaker 1>said the first year, I would, I would, girl, I

0:22:45.680 --> 0:22:46.840
<v Speaker 1>feel like they would score me off.

0:22:47.400 --> 0:22:49.440
<v Speaker 3>No, they wouldn't. I think they would make it right.

0:22:50.640 --> 0:22:50.800
<v Speaker 1>Yeah.

0:22:50.840 --> 0:22:52.680
<v Speaker 2>Yeah, there's enough of the news.

0:22:52.880 --> 0:22:53.080
<v Speaker 3>Yeah.

0:22:53.480 --> 0:22:55.960
<v Speaker 2>Yeah, people to they would be lucky to have.

0:22:56.440 --> 0:22:57.240
<v Speaker 1>I like fin Con.

0:22:57.320 --> 0:23:01.000
<v Speaker 2>Yeah, if you want to be treated like the first lady,

0:23:01.440 --> 0:23:04.960
<v Speaker 2>I think you should go because you don't understand Tiffany,

0:23:05.320 --> 0:23:10.200
<v Speaker 2>you are.

0:23:07.280 --> 0:23:09.280
<v Speaker 1>The queen of.

0:23:13.160 --> 0:23:17.280
<v Speaker 2>Everybody looks. I don't You're just gonna be you just

0:23:17.359 --> 0:23:19.720
<v Speaker 2>have to like have a no hug sign and.

0:23:19.720 --> 0:23:24.240
<v Speaker 1>Just maybe I will. Maybe I will go back because

0:23:24.240 --> 0:23:27.280
<v Speaker 1>I would like what I love about Finn one. The

0:23:27.320 --> 0:23:29.040
<v Speaker 1>breakout sessions are great, but I don't see the people

0:23:29.040 --> 0:23:31.199
<v Speaker 1>aren't just really amazing. Like that's where I met all

0:23:31.200 --> 0:23:33.199
<v Speaker 1>my financial mestide, that's where me and Manny started to

0:23:33.200 --> 0:23:33.560
<v Speaker 1>go together.

0:23:33.840 --> 0:23:35.240
<v Speaker 3>I love that I didn't know that.

0:23:35.119 --> 0:23:39.000
<v Speaker 1>I propose, Yeah, that's origin story a podcast and I

0:23:39.040 --> 0:23:43.840
<v Speaker 1>was like, I don't know what that is, but okay.

0:23:42.720 --> 0:23:46.080
<v Speaker 3>I love that I didn't know that that's magic. Wow.

0:23:46.440 --> 0:23:50.480
<v Speaker 1>Yes, but honestly I would love to learn, Like, okay,

0:23:50.520 --> 0:23:52.960
<v Speaker 1>so like more about kind of like your history. How'd

0:23:52.960 --> 0:23:57.440
<v Speaker 1>you get here. Yeah, like, what's the Brown and your Ambition?

0:23:57.560 --> 0:23:59.040
<v Speaker 1>Like yeah, like, cause, first of all, I was like

0:23:59.040 --> 0:24:03.679
<v Speaker 1>Eva Longoria, Wow, oh you to come out swinging?

0:24:04.640 --> 0:24:09.080
<v Speaker 3>Who is she dm me a video too? I don't

0:24:09.080 --> 0:24:11.280
<v Speaker 3>know if you got to see that I share that recently.

0:24:11.800 --> 0:24:12.040
<v Speaker 1>Yeah.

0:24:12.119 --> 0:24:14.119
<v Speaker 3>Yeah, So people like to say we're besties, but she

0:24:14.160 --> 0:24:16.320
<v Speaker 3>doesn't follow me back yet. So until she follows me back,

0:24:16.359 --> 0:24:17.720
<v Speaker 3>I can't claim that we're besties.

0:24:19.280 --> 0:24:22.600
<v Speaker 2>I have followed your relationship, your relationship, Can I call

0:24:22.640 --> 0:24:24.879
<v Speaker 2>it that with Eva Longoria from when you went to

0:24:24.920 --> 0:24:28.720
<v Speaker 2>her screening? Yes? And I anyway, but yeah, what Tiffany said,

0:24:28.760 --> 0:24:30.680
<v Speaker 2>tell us all about you, Gigi, and about the book

0:24:30.680 --> 0:24:32.000
<v Speaker 2>and everything you have going awesome.

0:24:32.119 --> 0:24:34.080
<v Speaker 3>Thank you both so much, and again, I'm honored to

0:24:34.080 --> 0:24:36.240
<v Speaker 3>be on the Brown Ambition podcast. I am such a

0:24:36.240 --> 0:24:38.480
<v Speaker 3>big fan. For those that don't know me, my name

0:24:38.520 --> 0:24:41.280
<v Speaker 3>is Giovanna Gonzalez, but most people know me as Gigi

0:24:41.480 --> 0:24:45.240
<v Speaker 3>or the first gen Mentor. I'm a TikTok influencer, speaker

0:24:45.359 --> 0:24:50.360
<v Speaker 3>and now the author of the best selling book and Cash.

0:24:50.440 --> 0:24:52.439
<v Speaker 3>So I'm so excited to be here and talk all

0:24:52.480 --> 0:24:55.560
<v Speaker 3>things money. But let's see, how did I get my start?

0:24:56.320 --> 0:24:58.760
<v Speaker 3>I think like most of us that are in the space.

0:25:00.200 --> 0:25:03.720
<v Speaker 3>We started in the traditional corporate route, at least that's

0:25:03.800 --> 0:25:07.240
<v Speaker 3>my story. I did things as I was told, right,

0:25:07.160 --> 0:25:09.399
<v Speaker 3>I go to college, get a good degree, get a

0:25:09.480 --> 0:25:12.199
<v Speaker 3>nice office job. So I did that. I majored in

0:25:12.200 --> 0:25:16.159
<v Speaker 3>economics when teach Santa Barbara go Gauchos, and then I

0:25:16.200 --> 0:25:18.840
<v Speaker 3>got a job, first in insurance, then I switched to

0:25:18.880 --> 0:25:21.320
<v Speaker 3>investment management, where I spent the majority of my career

0:25:22.320 --> 0:25:26.480
<v Speaker 3>and during my twenties, even though I was making decent money,

0:25:26.600 --> 0:25:30.800
<v Speaker 3>I still struggled a lot with money, which was really

0:25:30.800 --> 0:25:33.120
<v Speaker 3>frustrating to me because I'm like, I did everything right.

0:25:33.280 --> 0:25:34.760
<v Speaker 3>You guys told me to go to school, you told

0:25:34.800 --> 0:25:36.320
<v Speaker 3>me to get a good job. Why am I still

0:25:36.359 --> 0:25:40.000
<v Speaker 3>laying patrick to paycheck and living in financial chaos? And

0:25:40.119 --> 0:25:42.439
<v Speaker 3>it's then that I realized that it was because I

0:25:42.560 --> 0:25:45.800
<v Speaker 3>wasn't managing the money that I had a well, and

0:25:45.840 --> 0:25:49.520
<v Speaker 3>that was because obviously the education system doesn't teach us

0:25:49.520 --> 0:25:53.000
<v Speaker 3>this stuff. And I'm the daughter of Mexican immigrants. My

0:25:53.440 --> 0:25:56.160
<v Speaker 3>parents were living in survival mode, so they really didn't

0:25:56.200 --> 0:25:59.560
<v Speaker 3>have the space to pass any sort of financial teachings

0:25:59.560 --> 0:26:01.560
<v Speaker 3>to me, and they were learning the new system all

0:26:01.600 --> 0:26:04.280
<v Speaker 3>on their own. So that's when I kind of had

0:26:04.280 --> 0:26:06.119
<v Speaker 3>that wake up moment of like, oh, I need to

0:26:06.200 --> 0:26:08.280
<v Speaker 3>learn how this stuff works, otherwise I'm always going to

0:26:08.280 --> 0:26:11.320
<v Speaker 3>be on the struggle bus. And uh. The way that

0:26:11.359 --> 0:26:14.800
<v Speaker 3>I did that was I consumed as many money books

0:26:14.880 --> 0:26:17.760
<v Speaker 3>as I could. I read over fifty personal finance books

0:26:18.040 --> 0:26:21.520
<v Speaker 3>until I felt that I mastered the language. And then

0:26:21.560 --> 0:26:24.000
<v Speaker 3>once I learned what I learned, I implemented my financial

0:26:24.080 --> 0:26:26.680
<v Speaker 3>plan to get out of debt, build my investing, all

0:26:26.680 --> 0:26:29.840
<v Speaker 3>that good stuff. But there was definitely a fire inside

0:26:29.880 --> 0:26:33.359
<v Speaker 3>me that was mad. I'm like, why wasn't I given

0:26:33.440 --> 0:26:37.400
<v Speaker 3>this information before? Like I wasted years that I could

0:26:37.400 --> 0:26:41.040
<v Speaker 3>have been moving differently. So I looked to share this

0:26:41.160 --> 0:26:44.360
<v Speaker 3>new knowledge with other women of color, and I got

0:26:44.359 --> 0:26:47.160
<v Speaker 3>in touch with the White WCA SO nonprofit destors women

0:26:47.200 --> 0:26:51.000
<v Speaker 3>of color, and I became a volunteer financial educator. So

0:26:51.040 --> 0:26:53.639
<v Speaker 3>that was my life for a long time. In twenty nineteen,

0:26:53.640 --> 0:26:56.200
<v Speaker 3>I was a corporate boddy working in my investment management job,

0:26:56.640 --> 0:26:58.720
<v Speaker 3>and then on the side I was volunteering and it

0:26:58.800 --> 0:27:01.880
<v Speaker 3>was my passion and I love doing it. But all

0:27:01.920 --> 0:27:04.600
<v Speaker 3>of that changed in March of twenty twenty one, when

0:27:04.640 --> 0:27:08.800
<v Speaker 3>I started putting TikTok content on financial tips, so similar

0:27:08.880 --> 0:27:10.919
<v Speaker 3>to how I was already doing in my community. I

0:27:10.960 --> 0:27:14.800
<v Speaker 3>started sharing this content on TikTok, and because of the

0:27:14.840 --> 0:27:17.400
<v Speaker 3>bigness of the Internet, that took a life of its

0:27:17.520 --> 0:27:20.760
<v Speaker 3>own and I became the first gend mentor. This all

0:27:20.760 --> 0:27:23.720
<v Speaker 3>happened in March of twenty twenty one. I quit my

0:27:23.800 --> 0:27:27.280
<v Speaker 3>job three months later. A lot of people were like, wow,

0:27:27.320 --> 0:27:29.040
<v Speaker 3>that's so fast. Were were just like dying to be

0:27:29.080 --> 0:27:31.920
<v Speaker 3>a content creator? Absolutely not. I love my job. I'm

0:27:31.960 --> 0:27:33.919
<v Speaker 3>one of the rare people actually liked my job. I

0:27:34.000 --> 0:27:36.560
<v Speaker 3>like my boss, but I wasn't allowed to be a

0:27:36.600 --> 0:27:40.880
<v Speaker 3>TikToker and to be working in my very old school

0:27:40.960 --> 0:27:42.959
<v Speaker 3>traditional job. So I had to make a choice.

0:27:43.160 --> 0:27:45.800
<v Speaker 2>Could you even invest working in you? Because some people

0:27:45.840 --> 0:27:47.640
<v Speaker 2>don't even get to invest, which is.

0:27:48.160 --> 0:27:50.480
<v Speaker 3>You do, but you have to get your transactions approved

0:27:50.480 --> 0:27:53.440
<v Speaker 3>ahead of time, so it takes like a two day delay. Yeah. Yeah,

0:27:53.480 --> 0:27:55.960
<v Speaker 3>everything has. It's very very regulated, as it should be,

0:27:56.119 --> 0:28:00.440
<v Speaker 3>as it should be. I wish our contest was that regulated. Honestly,

0:28:00.720 --> 0:28:01.160
<v Speaker 3>let's talk.

0:28:01.080 --> 0:28:04.200
<v Speaker 1>About that on podcast.

0:28:04.640 --> 0:28:06.879
<v Speaker 3>But buddy, who's yeah, so I've been I quit my

0:28:07.040 --> 0:28:10.080
<v Speaker 3>job in June of twenty twenty one and I've been

0:28:10.080 --> 0:28:11.840
<v Speaker 3>doing this for two and a half years now, and

0:28:12.119 --> 0:28:14.639
<v Speaker 3>I love it and I'm making an impact. I'm starting

0:28:14.680 --> 0:28:16.639
<v Speaker 3>my community, and I know that I'm living in my purpose.

0:28:16.720 --> 0:28:19.359
<v Speaker 3>And I've met so many amazing, like minded women like

0:28:19.400 --> 0:28:21.720
<v Speaker 3>you too. So it's it's just I can't believe this

0:28:21.760 --> 0:28:23.320
<v Speaker 3>in my life. I still get to pinch myself.

0:28:24.800 --> 0:28:26.359
<v Speaker 2>I think it's so great because you're part of this

0:28:26.440 --> 0:28:32.679
<v Speaker 2>new class of Latina or Latino you know, financial educators.

0:28:32.960 --> 0:28:34.479
<v Speaker 2>What's what's the right thing to say is to ask

0:28:34.800 --> 0:28:38.240
<v Speaker 2>latino latina. Honestly, it seems to me saying LATINX. No,

0:28:38.280 --> 0:28:39.200
<v Speaker 2>we do not mean something.

0:28:39.200 --> 0:28:41.880
<v Speaker 3>Like no, we're not saying LATINX because people will throw hands.

0:28:41.960 --> 0:28:45.400
<v Speaker 3>They can they Oh my goodness, they Okay, we hate that. Yeah,

0:28:45.440 --> 0:28:49.360
<v Speaker 3>I hate that too. So you're probably say saying hispanic

0:28:49.600 --> 0:28:53.880
<v Speaker 3>or Latino. I like to say Latine because that's exclusive,

0:28:54.080 --> 0:28:57.880
<v Speaker 3>that includes you know, non binary folks. But people will still.

0:28:57.680 --> 0:28:58.680
<v Speaker 2>Find me that's what I'm trying.

0:28:59.280 --> 0:29:02.280
<v Speaker 3>Latina's Yeah, but people will still find also.

0:29:02.280 --> 0:29:04.880
<v Speaker 2>Don't want to assume your gender because the Latina I'm like, oh,

0:29:06.840 --> 0:29:07.800
<v Speaker 2>is that her? Know?

0:29:08.520 --> 0:29:09.000
<v Speaker 3>She her?

0:29:09.120 --> 0:29:14.040
<v Speaker 2>Okay, listen, better to sound dumb asking the question, y'all

0:29:14.120 --> 0:29:18.080
<v Speaker 2>than to be dune to not ask right anyway, this

0:29:18.120 --> 0:29:22.480
<v Speaker 2>new class of Latine influencers and educators, because there were

0:29:22.520 --> 0:29:25.600
<v Speaker 2>I mean were there back in back in two thousand

0:29:25.680 --> 0:29:29.960
<v Speaker 2>and forty when Divany and or Hidingnestly it feels like

0:29:30.000 --> 0:29:33.760
<v Speaker 2>there were barely any black educators at the time, let alone,

0:29:33.800 --> 0:29:36.120
<v Speaker 2>or maybe I just wasn't looking, but for sure at

0:29:36.120 --> 0:29:39.480
<v Speaker 2>FINCN twenty twenty one or twenty twenty two, yeah, twenty two,

0:29:39.480 --> 0:29:41.640
<v Speaker 2>when I was there, it was I mean, it's you.

0:29:41.720 --> 0:29:46.160
<v Speaker 2>We got Genice. Now we have stephaniquin Zalez, Like, there's

0:29:46.240 --> 0:29:48.720
<v Speaker 2>just these really great like forgetting.

0:29:48.400 --> 0:29:54.280
<v Speaker 3>A bar, we bravely go, Maribell from mar Matters, Maria

0:29:54.360 --> 0:29:57.120
<v Speaker 3>fir Living. There's a lot of wonderful women, And I

0:29:57.120 --> 0:30:02.040
<v Speaker 3>don't think it's any best in Latino. Which one, Yes,

0:30:02.160 --> 0:30:05.160
<v Speaker 3>investing Latina, I've had, I've gotten to me have finn Con. Yeah,

0:30:05.160 --> 0:30:06.960
<v Speaker 3>a lot of wonderful women, and I don't think it's

0:30:06.960 --> 0:30:09.320
<v Speaker 3>any surprise that it's recent because I think a lot

0:30:09.320 --> 0:30:14.600
<v Speaker 3>of us kind of uh awakened after George Floyd, the

0:30:14.720 --> 0:30:17.440
<v Speaker 3>murder of George Floyd, and we're like, Okay, we need

0:30:17.480 --> 0:30:20.800
<v Speaker 3>to show up as ourselves and stop playing small and

0:30:20.840 --> 0:30:23.560
<v Speaker 3>take up space. So I think that definitely motivated me

0:30:23.640 --> 0:30:25.600
<v Speaker 3>to be louder. And I'm here and I have my

0:30:25.640 --> 0:30:27.200
<v Speaker 3>own issues to talk about and I don't care if

0:30:27.240 --> 0:30:28.440
<v Speaker 3>you don't want to listen to them, but I want

0:30:28.440 --> 0:30:32.200
<v Speaker 3>to talk about them.

0:30:30.680 --> 0:30:31.959
<v Speaker 2>And you're fully embracing.

0:30:32.520 --> 0:30:37.000
<v Speaker 1>Go ahead, Sorry, Mandy, What do you think is like uniquely?

0:30:37.720 --> 0:30:40.520
<v Speaker 1>There are some things that like are uniquely I feel

0:30:40.520 --> 0:30:44.520
<v Speaker 1>like the black experience brings out there are some unique

0:30:45.200 --> 0:30:48.360
<v Speaker 1>challenges that like being black presents itself when it comes

0:30:48.400 --> 0:30:51.760
<v Speaker 1>to you know, financial like access, right, Like we know

0:30:51.800 --> 0:30:54.080
<v Speaker 1>that there's a black wealth gap, we know that there's

0:30:54.120 --> 0:31:01.000
<v Speaker 1>red lining. There's just like this uh visceral racism that

0:31:01.080 --> 0:31:04.760
<v Speaker 1>even now, I mean like a social media friend of

0:31:04.800 --> 0:31:07.080
<v Speaker 1>mine has something called the Fearless Fun that just raises

0:31:07.080 --> 0:31:10.080
<v Speaker 1>money for black women in entrepreneurship, and they suit her

0:31:10.840 --> 0:31:13.800
<v Speaker 1>to say, no, you can't do that, and so there's

0:31:13.840 --> 0:31:18.040
<v Speaker 1>just this like campaign against black people getting ahead. But

0:31:18.280 --> 0:31:22.760
<v Speaker 1>I love that, Like you know, Cultura.

0:31:21.760 --> 0:31:30.080
<v Speaker 4>Cash, Okay, let's cool, cool cool, oh cool, okay, cool Toura,

0:31:30.160 --> 0:31:33.240
<v Speaker 4>Yeah there you go, Okay, cool Toura.

0:31:33.760 --> 0:31:36.000
<v Speaker 1>Meanwhile, my my my niece meet me. I didn't even

0:31:36.000 --> 0:31:39.520
<v Speaker 1>tell you this of Mandy. So my I have I

0:31:39.560 --> 0:31:41.640
<v Speaker 1>have two nieces, but one of them goes to a

0:31:41.680 --> 0:31:43.560
<v Speaker 1>school that is like I want to say, like sixty

0:31:43.640 --> 0:31:48.120
<v Speaker 1>or seventy percent Latine, right, and so all her friends,

0:31:48.200 --> 0:31:50.360
<v Speaker 1>like her best friend. I forget her little best friend's names.

0:31:50.440 --> 0:31:52.040
<v Speaker 1>So anyway, she told her mother, my niece is six.

0:31:52.240 --> 0:31:53.800
<v Speaker 1>She said, oh, mommy, for my birthday, I want to

0:31:53.840 --> 0:31:59.480
<v Speaker 1>go to DR. I was like, where is DR. She's

0:31:59.480 --> 0:32:02.480
<v Speaker 1>all women's the public. I was like, what do you

0:32:02.480 --> 0:32:04.640
<v Speaker 1>know about? But she said her best friend. She's like,

0:32:04.640 --> 0:32:06.520
<v Speaker 1>that's what she's from. And she says so beautiful. I

0:32:06.600 --> 0:32:08.479
<v Speaker 1>just because I just came back from perto Rica. So

0:32:08.520 --> 0:32:10.520
<v Speaker 1>she was like, girl, the girls be going out. I

0:32:10.600 --> 0:32:12.560
<v Speaker 1>want to go to And I love that because her

0:32:12.680 --> 0:32:15.760
<v Speaker 1>accent because like when she starts sitting, says certain Spanish

0:32:15.800 --> 0:32:18.440
<v Speaker 1>word is so on potant because at school, like she's

0:32:18.480 --> 0:32:20.240
<v Speaker 1>only hearing it the correct way. So anyway, I just

0:32:20.280 --> 0:32:23.560
<v Speaker 1>thought that was not the girl.

0:32:24.080 --> 0:32:24.600
<v Speaker 3>She knows what.

0:32:26.440 --> 0:32:30.960
<v Speaker 1>Wait till she finds the internet, right, But I just like,

0:32:31.200 --> 0:32:34.360
<v Speaker 1>what you know? You wrote this book who touur Cash?

0:32:34.720 --> 0:32:38.400
<v Speaker 1>And like, so what unique experiences you know? Do you

0:32:38.440 --> 0:32:41.400
<v Speaker 1>recognize as being a Latine yourself that you bring to

0:32:41.440 --> 0:32:43.760
<v Speaker 1>the table when it comes to personal finance, Like why

0:32:43.840 --> 0:32:46.480
<v Speaker 1>should there be because somebod somebody might say like, well,

0:32:46.840 --> 0:32:47.680
<v Speaker 1>why is it black?

0:32:47.800 --> 0:32:48.040
<v Speaker 2>You guys?

0:32:48.160 --> 0:32:51.200
<v Speaker 1>Why are guys talking about Latine? Why gay or LB like?

0:32:51.200 --> 0:32:52.600
<v Speaker 1>But what is it like? What are some of the

0:32:52.680 --> 0:32:54.840
<v Speaker 1>challenges They're like, No, this is unique to this community.

0:32:54.880 --> 0:32:56.680
<v Speaker 1>It needs to be like highlighted.

0:32:56.760 --> 0:32:59.200
<v Speaker 3>Yeah, And honestly, that's why I respect both of you

0:32:59.360 --> 0:33:02.000
<v Speaker 3>for going to publishing route because I know you guys

0:33:02.000 --> 0:33:04.800
<v Speaker 3>had a fight for your book. I did not have

0:33:04.840 --> 0:33:07.200
<v Speaker 3>that fight in me. I have fights for other people

0:33:07.240 --> 0:33:09.760
<v Speaker 3>in other ways, but I just did not want to

0:33:09.800 --> 0:33:12.280
<v Speaker 3>have to fight a white publishing house on why this

0:33:12.280 --> 0:33:15.680
<v Speaker 3>book was needed. So so I went traditional sorry, hybrid publishing,

0:33:16.040 --> 0:33:18.600
<v Speaker 3>And thank goodness for the TikTok Latx Creative grant that

0:33:18.680 --> 0:33:20.440
<v Speaker 3>allowed me to do that. It gave me the funding

0:33:20.440 --> 0:33:22.480
<v Speaker 3>to be able to hire a hybrid publisher because it's

0:33:22.520 --> 0:33:25.760
<v Speaker 3>not cheap. But yeah, there's a lot of unique issues

0:33:25.760 --> 0:33:27.880
<v Speaker 3>in the first gen money experience. And for anybody that

0:33:27.960 --> 0:33:31.320
<v Speaker 3>isn't familiar with that term, first gen is typically the

0:33:31.360 --> 0:33:34.520
<v Speaker 3>first to be born in America, the first to maybe

0:33:34.520 --> 0:33:37.200
<v Speaker 3>they immigrate here with their parents as children, so really

0:33:37.240 --> 0:33:39.520
<v Speaker 3>all they know is the American way of life, but

0:33:39.600 --> 0:33:44.120
<v Speaker 3>they still have strong cultural ties to their immigrant roots.

0:33:44.840 --> 0:33:47.560
<v Speaker 3>So for me, for example, I'm the daughter of Mexican immigrants.

0:33:47.560 --> 0:33:50.640
<v Speaker 3>My parents immigrated here in the nineties. I believe you're

0:33:50.640 --> 0:33:53.960
<v Speaker 3>first gen Tiffany, Are you first gen? You are, right? Yeah?

0:33:54.000 --> 0:33:56.400
<v Speaker 3>I Amia Nigerian, right, yeah.

0:33:56.560 --> 0:33:56.840
<v Speaker 1>Yeah.

0:33:56.880 --> 0:33:59.320
<v Speaker 3>So there's a lot of unique challenges that come with

0:33:59.440 --> 0:34:02.840
<v Speaker 3>being a first generation wealth builder. First, I like to

0:34:02.880 --> 0:34:05.200
<v Speaker 3>point out that we have a different starting line than

0:34:05.280 --> 0:34:08.959
<v Speaker 3>a lot of our middle class white peers, and that's

0:34:09.000 --> 0:34:13.880
<v Speaker 3>because we don't get access to financial education at home. Because,

0:34:13.880 --> 0:34:16.320
<v Speaker 3>like I mentioned, our parents are just immigrants in a

0:34:16.360 --> 0:34:20.040
<v Speaker 3>new country, trying to learn a new language, experiencing racism,

0:34:20.200 --> 0:34:22.759
<v Speaker 3>trying to get by on these low income jobs. They

0:34:23.040 --> 0:34:26.000
<v Speaker 3>do not have the space to master the financial system

0:34:26.040 --> 0:34:28.759
<v Speaker 3>and then pass on those teachings to their children, where

0:34:28.800 --> 0:34:31.120
<v Speaker 3>a lot of white middle class Americans maybe they do

0:34:31.239 --> 0:34:33.600
<v Speaker 3>learn the basics about hey, this is a checking account,

0:34:33.600 --> 0:34:36.239
<v Speaker 3>Hey you should probably avoid that. We don't ever hear

0:34:36.360 --> 0:34:40.240
<v Speaker 3>any of those money conversations at home. If anything, money

0:34:40.600 --> 0:34:43.960
<v Speaker 3>talk is very taboo in our culture. There's a phrase

0:34:43.960 --> 0:34:46.840
<v Speaker 3>that's very popular. No, we don't talk about money like No,

0:34:46.960 --> 0:34:49.040
<v Speaker 3>that's rude. And I know that we're not the only

0:34:49.080 --> 0:34:52.640
<v Speaker 3>culture that experiences it, but it's definitely very prevalent in

0:34:52.640 --> 0:34:57.560
<v Speaker 3>the Hispanic Latino Latink community as well. As we are

0:34:57.600 --> 0:35:01.759
<v Speaker 3>not on the receiving end of generating wealth because our

0:35:01.800 --> 0:35:04.680
<v Speaker 3>parents came here with nothing. They came here for the

0:35:04.760 --> 0:35:08.839
<v Speaker 3>opportunity for us to have more, and that's what we're

0:35:08.840 --> 0:35:13.080
<v Speaker 3>doing by getting college educations and professional jobs. But you know,

0:35:13.120 --> 0:35:15.600
<v Speaker 3>a lot of our white middle class peers, they do

0:35:15.640 --> 0:35:19.000
<v Speaker 3>have this advantage of having some level of generational wealth.

0:35:19.200 --> 0:35:20.880
<v Speaker 3>And I point this out because I used to think

0:35:20.920 --> 0:35:23.040
<v Speaker 3>it was only the one percenters that got to benefit

0:35:23.080 --> 0:35:26.200
<v Speaker 3>from this stuff, but I learned through research that no,

0:35:26.320 --> 0:35:29.759
<v Speaker 3>it's also you know, your typical white middle class Americans

0:35:30.040 --> 0:35:32.600
<v Speaker 3>that's been here a couple of generations. Maybe the grandparents,

0:35:32.600 --> 0:35:35.040
<v Speaker 3>the great grandparents are the ones who immigrate to this country.

0:35:35.920 --> 0:35:38.279
<v Speaker 3>So yeah, the more entrenched you are in the US

0:35:38.360 --> 0:35:41.400
<v Speaker 3>financial system because you've been living longer, you will pass

0:35:41.440 --> 0:35:45.400
<v Speaker 3>on those financial teachings to family, right and pass on

0:35:45.520 --> 0:35:49.360
<v Speaker 3>generational wealth to help pay for college or if Grandma

0:35:49.400 --> 0:35:52.239
<v Speaker 3>Gertrude kicks a bucket, you might get a little windfall

0:35:52.320 --> 0:35:59.440
<v Speaker 3>of a little inheritance. Yeah, I love saying that one,

0:35:59.520 --> 0:36:04.239
<v Speaker 3>and the book too, so so yeah, we don't. That's

0:36:04.280 --> 0:36:06.759
<v Speaker 3>a completely different experience from what's going to happen with

0:36:06.840 --> 0:36:09.719
<v Speaker 3>me when my might not. Now that's what I call her,

0:36:09.760 --> 0:36:12.320
<v Speaker 3>what I dread the day she dies, because not only

0:36:12.400 --> 0:36:15.880
<v Speaker 3>will we lose the matriarch of our family, but we

0:36:15.920 --> 0:36:18.680
<v Speaker 3>will also be expected to pitch in to help cover

0:36:18.960 --> 0:36:22.440
<v Speaker 3>burial costs and any other sort of expenses that come up.

0:36:22.480 --> 0:36:25.040
<v Speaker 3>And again that's very different from white middle class America

0:36:25.080 --> 0:36:29.120
<v Speaker 3>that gets some sort of small inheritance. And then lastly,

0:36:29.680 --> 0:36:32.600
<v Speaker 3>a lot of us because our parents come from immigrant

0:36:32.680 --> 0:36:35.160
<v Speaker 3>roots and they didn't have the ability to save for

0:36:35.200 --> 0:36:37.799
<v Speaker 3>the future, for retirement or anything like that, we have

0:36:37.880 --> 0:36:41.759
<v Speaker 3>additional financial responsibility, similar to the black community with the

0:36:41.760 --> 0:36:43.800
<v Speaker 3>Black tax, which I'm sure you talk about a lot.

0:36:44.640 --> 0:36:47.319
<v Speaker 3>And yeah, for us, we're so family oriented, so we

0:36:47.360 --> 0:36:49.759
<v Speaker 3>can't just turn our back on our people. So we

0:36:50.040 --> 0:36:53.000
<v Speaker 3>want to give, but we also can't give to the

0:36:53.000 --> 0:36:55.000
<v Speaker 3>point where we don't have nothing left for ourselves at

0:36:55.000 --> 0:36:56.520
<v Speaker 3>the end of the day. So that's a big focus

0:36:56.520 --> 0:36:57.040
<v Speaker 3>of the book.

0:36:58.680 --> 0:37:00.960
<v Speaker 2>I mean, married to a Dominican here, and it's like

0:37:01.640 --> 0:37:04.440
<v Speaker 2>his parents are building a house now, they're renovating their

0:37:04.440 --> 0:37:08.440
<v Speaker 2>house in dr And they had a washer drwer delivered

0:37:08.480 --> 0:37:10.279
<v Speaker 2>to our house because then they have to ship it

0:37:10.320 --> 0:37:12.799
<v Speaker 2>to dr and somehow that's cheaper than just buying a

0:37:12.880 --> 0:37:16.160
<v Speaker 2>washer dryer on the island. I guess you can't anyway.

0:37:16.280 --> 0:37:18.600
<v Speaker 2>And I was like, okay, cool, you know, and then

0:37:18.600 --> 0:37:21.680
<v Speaker 2>my husband's like, yes, we're paying for that washer dry Yeah.

0:37:21.800 --> 0:37:30.920
<v Speaker 2>I was like, oka, like yeah, I've had to uh yeah,

0:37:30.960 --> 0:37:34.600
<v Speaker 2>I've had to like factor that into our budget. But

0:37:34.719 --> 0:37:36.960
<v Speaker 2>that being said, like they have been generous with us

0:37:37.000 --> 0:37:38.759
<v Speaker 2>in the past, with like helping a little bit with

0:37:38.800 --> 0:37:41.200
<v Speaker 2>our wedding. And like, I mean his dad like just

0:37:41.200 --> 0:37:44.040
<v Speaker 2>like you said, he's first generation and his dad came

0:37:44.080 --> 0:37:48.600
<v Speaker 2>here and worked I mean several jobs before finally scrounging

0:37:48.640 --> 0:37:51.400
<v Speaker 2>up enough money to like buy a grocery store in

0:37:51.440 --> 0:37:55.400
<v Speaker 2>the Bronx. And I mean and he never saw his

0:37:55.480 --> 0:37:58.080
<v Speaker 2>kids because he was he worked up until last year.

0:37:58.239 --> 0:38:00.799
<v Speaker 2>The man was still working till eleven pm, not there

0:38:00.840 --> 0:38:05.400
<v Speaker 2>on Christmas, not there on you know. Anyway, And I

0:38:05.560 --> 0:38:09.719
<v Speaker 2>have with marrying my husband sort of also married that

0:38:10.760 --> 0:38:17.600
<v Speaker 2>married into that mindset of they brought themselves here. They

0:38:17.640 --> 0:38:20.920
<v Speaker 2>made it possible for my husband to you know, create

0:38:20.960 --> 0:38:24.680
<v Speaker 2>the American dream that he has and to pay it forward. Yeah.

0:38:24.719 --> 0:38:27.120
<v Speaker 2>But my little, my little Grenga heart was a little

0:38:27.160 --> 0:38:29.680
<v Speaker 2>bit like, but that's my But.

0:38:29.680 --> 0:38:31.960
<v Speaker 1>That's how it is. And I mean, honestly, so much

0:38:31.960 --> 0:38:34.640
<v Speaker 1>of my parents' money went back home, you know, like

0:38:34.680 --> 0:38:37.160
<v Speaker 1>to Nigeria because there's just not the access. And so

0:38:37.360 --> 0:38:39.560
<v Speaker 1>I mean I paid off my parents' house. You know,

0:38:39.719 --> 0:38:42.440
<v Speaker 1>my husband was still here. I was like, just the

0:38:42.480 --> 0:38:45.239
<v Speaker 1>many ideas to love to pay off their house. I mean,

0:38:45.239 --> 0:38:47.439
<v Speaker 1>he was down for it because his father wasn't his life.

0:38:47.480 --> 0:38:51.080
<v Speaker 1>His mother had passed away. But that's just the expectation

0:38:51.360 --> 0:38:54.560
<v Speaker 1>is that you are going to help. Even now I've

0:38:54.560 --> 0:38:57.320
<v Speaker 1>got you know, WhatsApp, you know, you know, our foreigners

0:38:57.320 --> 0:39:02.720
<v Speaker 1>love what's hey, cousin, I'm like, who is this? Everybody

0:39:02.719 --> 0:39:06.080
<v Speaker 1>want to coin and what's that? So yeah, that's certainly

0:39:06.400 --> 0:39:09.120
<v Speaker 1>something like first gen. And I wonder too because when

0:39:09.120 --> 0:39:11.480
<v Speaker 1>I taught in Newark, I had a lot, a lot

0:39:11.480 --> 0:39:16.080
<v Speaker 1>a lot of Hispanic young children and their parents spoke

0:39:16.360 --> 0:39:18.840
<v Speaker 1>mostly Spanish, a little bit of a mostly Spanish, and

0:39:18.960 --> 0:39:21.160
<v Speaker 1>I just was always so amazed at how my three

0:39:21.200 --> 0:39:24.680
<v Speaker 1>and four year olds would be these amazing translators. You know,

0:39:25.200 --> 0:39:30.520
<v Speaker 1>my mommy said that, Mommy, you know, let's close, and

0:39:30.560 --> 0:39:32.920
<v Speaker 1>I'm like looking back and forth, like meanwhile, gino, I

0:39:33.000 --> 0:39:35.520
<v Speaker 1>told you to tie your shoe, but you over here

0:39:35.640 --> 0:39:38.359
<v Speaker 1>like you one translator, because these kids are so smart. Yeah,

0:39:38.400 --> 0:39:40.359
<v Speaker 1>and so I wondered that that also play a room

0:39:40.719 --> 0:39:44.239
<v Speaker 1>because financial education is not often translated. Yeah, like in

0:39:44.280 --> 0:39:47.160
<v Speaker 1>a way that is culturally relevant, you know, like whether

0:39:47.200 --> 0:39:49.960
<v Speaker 1>it's the language itself or just even in a meaningful way.

0:39:50.080 --> 0:39:52.960
<v Speaker 3>Yeah. Absolutely, And you very much spoke to me. I

0:39:53.120 --> 0:39:56.759
<v Speaker 3>was a child, and a lot of my audiences translating

0:39:56.800 --> 0:40:02.840
<v Speaker 3>at parent teacher conferences, or translating doctor appointments, or even

0:40:03.000 --> 0:40:05.640
<v Speaker 3>translating tax documents that come in the mill that the

0:40:05.680 --> 0:40:06.280
<v Speaker 3>parents are.

0:40:06.160 --> 0:40:06.880
<v Speaker 1>Like, what is this?

0:40:07.000 --> 0:40:09.359
<v Speaker 3>It looks important and then you're just like a ten

0:40:09.440 --> 0:40:11.680
<v Speaker 3>year old, you know what it means, but you speak

0:40:11.719 --> 0:40:12.240
<v Speaker 3>some English.

0:40:12.280 --> 0:40:15.239
<v Speaker 2>Apartment internal revenues.

0:40:16.680 --> 0:40:16.919
<v Speaker 1>Yeah.

0:40:17.040 --> 0:40:19.400
<v Speaker 3>Yeah, So a lot of us have been parentified in

0:40:19.440 --> 0:40:22.759
<v Speaker 3>that way. I'm fortunate that I don't. Maybe I need

0:40:22.760 --> 0:40:26.560
<v Speaker 3>to do more, more deeper dive into my inner child,

0:40:26.640 --> 0:40:29.719
<v Speaker 3>but I don't remember any bad memories from that, but

0:40:29.760 --> 0:40:31.279
<v Speaker 3>I know a lot of people in my community do

0:40:31.840 --> 0:40:36.200
<v Speaker 3>of having to deliver bad health news at the doctor, right,

0:40:36.280 --> 0:40:38.280
<v Speaker 3>So it's it's it's tough, it's tough for a kid,

0:40:39.200 --> 0:40:42.319
<v Speaker 3>and and yeah, that's just been for a lot of us.

0:40:42.400 --> 0:40:45.400
<v Speaker 3>It's a it's a collective experience that we experienced. But

0:40:45.480 --> 0:40:47.759
<v Speaker 3>on top of that, you know, with yes, us having

0:40:47.800 --> 0:40:50.640
<v Speaker 3>to be translators, sometimes I look like us being translators

0:40:50.640 --> 0:40:54.920
<v Speaker 3>at the bank too, right, So that often leads to

0:40:56.200 --> 0:41:01.839
<v Speaker 3>our community, specifically our elders being unbanked, underbanked because they

0:41:01.840 --> 0:41:05.960
<v Speaker 3>don't trust the banks because they don't have enough bilingual

0:41:06.000 --> 0:41:09.239
<v Speaker 3>speakers that can help them in the language that they

0:41:09.239 --> 0:41:13.600
<v Speaker 3>feel most comfortable, and they can't even offer a translation language.

0:41:13.600 --> 0:41:15.239
<v Speaker 3>When I used to work at Progressive Insurance, we at

0:41:15.280 --> 0:41:18.080
<v Speaker 3>least had that it was better than nothing. But yeah,

0:41:18.120 --> 0:41:20.360
<v Speaker 3>we definitely need more bilingual folks to be able to

0:41:20.400 --> 0:41:24.000
<v Speaker 3>help us. So yeah, in the meantime, our folks are underbanked,

0:41:24.040 --> 0:41:26.520
<v Speaker 3>they're not investing because they don't understand the system. So

0:41:26.560 --> 0:41:28.759
<v Speaker 3>that's why I think it's so important for me to

0:41:28.840 --> 0:41:33.480
<v Speaker 3>reach these first generation professionals, which are the children of

0:41:33.560 --> 0:41:37.319
<v Speaker 3>these immigrants, educate them on how to do better with

0:41:37.400 --> 0:41:39.480
<v Speaker 3>money even though they weren't taught. And then I encourage

0:41:39.480 --> 0:41:42.560
<v Speaker 3>them to teach back right to go to their parents. Hey,

0:41:42.640 --> 0:41:44.879
<v Speaker 3>this is what I learned. We should be doing this right.

0:41:44.920 --> 0:41:46.920
<v Speaker 3>Let's talk about what you're planning to do for retirement.

0:41:47.040 --> 0:41:49.440
<v Speaker 3>You should probably put these savings in the HIO savings account,

0:41:49.560 --> 0:41:53.680
<v Speaker 3>because again, that wasn't the experience of our immigrant parents, or.

0:41:53.680 --> 0:41:55.880
<v Speaker 2>They can, at least if they're anything like my parents.

0:41:55.920 --> 0:41:57.640
<v Speaker 2>It's like they don't want to hear from me with

0:41:57.719 --> 0:42:00.840
<v Speaker 2>my advice. But if I'm like they're missing out me,

0:42:00.920 --> 0:42:03.160
<v Speaker 2>look at her, say yeah, read her book. They're like, oh,

0:42:03.480 --> 0:42:06.960
<v Speaker 2>some great information. So you can be their proxy.

0:42:07.000 --> 0:42:07.200
<v Speaker 3>Yeah.

0:42:07.200 --> 0:42:08.640
<v Speaker 2>They can be like, well, don't listen to me, listen

0:42:08.680 --> 0:42:11.280
<v Speaker 2>to gg. She has this book, gig.

0:42:11.600 --> 0:42:12.000
<v Speaker 1>Look at this.

0:42:11.960 --> 0:42:13.919
<v Speaker 3>TikTok video that she made on this and they asked

0:42:13.960 --> 0:42:15.640
<v Speaker 3>me a lot, can you transay this to Spanish because

0:42:15.640 --> 0:42:17.279
<v Speaker 3>I want to send it to my mom. So, yeah,

0:42:17.280 --> 0:42:18.799
<v Speaker 3>when I have the capacity to, I do.

0:42:20.640 --> 0:42:21.960
<v Speaker 1>I was going to say that, like, I'm not really

0:42:22.000 --> 0:42:24.680
<v Speaker 1>want to on TikTok do you do Spanish? And anyone no,

0:42:24.840 --> 0:42:26.960
<v Speaker 1>So I was going to ask you about this.

0:42:27.040 --> 0:42:31.800
<v Speaker 3>Yeah, that's a great question. You know Netflix. Oh my god, Tiffany,

0:42:31.800 --> 0:42:33.680
<v Speaker 3>I have to tell you what she's referring to. So

0:42:33.800 --> 0:42:37.120
<v Speaker 3>I made a TikTok this summer where I said, that's it.

0:42:37.239 --> 0:42:40.319
<v Speaker 3>I'm sick of Ben Affleck speaking better Spanish than me, Like,

0:42:40.640 --> 0:42:43.719
<v Speaker 3>how is this possible? I'm Mexican, that was my first language.

0:42:43.760 --> 0:42:46.040
<v Speaker 3>But Ben Affleck is out here promoting his film in

0:42:46.080 --> 0:42:48.319
<v Speaker 3>Spanish and I still don't feel comfortable enough to show

0:42:48.400 --> 0:42:51.040
<v Speaker 3>up speaking Spanish in professional spaces. So this is the

0:42:51.120 --> 0:42:52.799
<v Speaker 3>year that I'm going to put in the work. I'm

0:42:52.800 --> 0:42:55.360
<v Speaker 3>going to take lessons and I'm going to improve my Spanish.

0:42:55.400 --> 0:42:58.160
<v Speaker 3>And I actually did I you know, I put it

0:42:58.160 --> 0:43:00.520
<v Speaker 3>into the universe and then guess what happened. I did one.

0:43:00.560 --> 0:43:03.719
<v Speaker 3>Now we're all Spanish webinar with Fidelity. It took a

0:43:03.719 --> 0:43:06.160
<v Speaker 3>lot of work, thank you. It took a lot of work.

0:43:06.600 --> 0:43:07.080
<v Speaker 1>Thank you.

0:43:07.200 --> 0:43:09.840
<v Speaker 3>It took a lot a lot of work, and but

0:43:09.880 --> 0:43:11.640
<v Speaker 3>I'm so proud that I put that resource. It's a

0:43:11.680 --> 0:43:13.960
<v Speaker 3>free resource out for the community through Fidelity.

0:43:15.000 --> 0:43:20.080
<v Speaker 2>But sorry Fidelity for investing in a speaker and in

0:43:20.080 --> 0:43:20.680
<v Speaker 2>that Spanish.

0:43:20.680 --> 0:43:22.400
<v Speaker 3>But we did it in the English and language, so

0:43:22.400 --> 0:43:25.080
<v Speaker 3>they got a two for one deal. I don't know.

0:43:25.680 --> 0:43:28.120
<v Speaker 1>I love it. It's funny because I'm doing the Fidelity

0:43:28.120 --> 0:43:29.799
<v Speaker 1>one because they've been doing it a lot. I'm doing

0:43:29.800 --> 0:43:31.920
<v Speaker 1>my Fidelity one in a couple of weeks, so I

0:43:31.960 --> 0:43:32.680
<v Speaker 1>know exactly the thing.

0:43:33.160 --> 0:43:35.959
<v Speaker 3>Yeah, very highly produced. A lot of people on the call.

0:43:37.040 --> 0:43:38.680
<v Speaker 1>It's a all productions.

0:43:38.840 --> 0:43:41.279
<v Speaker 2>I listened to those calls. They got Mandy Kalin on those,

0:43:41.440 --> 0:43:42.920
<v Speaker 2>all kinds of celebrities.

0:43:43.280 --> 0:43:43.560
<v Speaker 1>Yeah.

0:43:43.600 --> 0:43:46.920
<v Speaker 3>But regarding the question if I make content in Spanish,

0:43:47.000 --> 0:43:50.359
<v Speaker 3>because my the person that I'm trying to target is

0:43:50.440 --> 0:43:53.480
<v Speaker 3>mostly English dominant. So again, there's somebody that grew up

0:43:53.480 --> 0:43:56.960
<v Speaker 3>in America, but they have they probably learned Spanish as

0:43:57.000 --> 0:43:59.359
<v Speaker 3>their first language, or maybe they didn't learn Spanish at all.

0:43:59.719 --> 0:44:03.000
<v Speaker 3>It's why my content is in English. But when I

0:44:03.040 --> 0:44:06.520
<v Speaker 3>get those viral videos that they're like, please translate these

0:44:06.560 --> 0:44:09.799
<v Speaker 3>in Spanish, I will. It's just an extra lift for me,

0:44:09.960 --> 0:44:11.960
<v Speaker 3>you know, because I'm the only one creating content at

0:44:11.960 --> 0:44:14.239
<v Speaker 3>this point. But but but yeah, I would love to

0:44:14.280 --> 0:44:17.719
<v Speaker 3>do more future content and Spanish because it'll only helped

0:44:17.760 --> 0:44:19.800
<v Speaker 3>me practice and get out there in the community.

0:44:21.239 --> 0:44:23.400
<v Speaker 2>Such a good point. You're you're speaking to my husband

0:44:23.480 --> 0:44:28.120
<v Speaker 2>because he is he's a little a shame DNA Verguenza.

0:44:29.040 --> 0:44:32.799
<v Speaker 2>He has some shame around his his Spanish because he

0:44:32.920 --> 0:44:35.839
<v Speaker 2>basically unlearned it so he could be the translator and

0:44:35.880 --> 0:44:40.640
<v Speaker 2>like thrive in this American society. And he is nervous

0:44:40.719 --> 0:44:43.640
<v Speaker 2>talking to his parents sometimes and his family who I'm

0:44:43.680 --> 0:44:45.560
<v Speaker 2>so he's in it. I had to understand that the

0:44:45.600 --> 0:44:48.200
<v Speaker 2>way that I'm so comfortable calling my dad up or

0:44:48.200 --> 0:44:50.880
<v Speaker 2>calling my mom up or having a deep conversation with them,

0:44:51.160 --> 0:44:54.439
<v Speaker 2>he will hesitate because he's like, how much you mentioned

0:44:54.480 --> 0:44:58.320
<v Speaker 2>the emotional and the emotional with the mental lift to

0:44:58.360 --> 0:45:00.480
<v Speaker 2>take a subject matter and then think about it in

0:45:00.520 --> 0:45:03.080
<v Speaker 2>two languages, and he'll like, never mind too much money.

0:45:03.160 --> 0:45:04.960
<v Speaker 3>Yeah, I actually get bullied by my brothers all the

0:45:05.040 --> 0:45:06.640
<v Speaker 3>time that I was in Mexico because both of them

0:45:06.680 --> 0:45:08.560
<v Speaker 3>am still in Mexico, and they make fun of me

0:45:08.600 --> 0:45:12.359
<v Speaker 3>because my finish, my Spanish will slip up. But not

0:45:12.400 --> 0:45:14.919
<v Speaker 3>only that, not only did we have to get used,

0:45:16.239 --> 0:45:18.200
<v Speaker 3>but there are a bunch of brats. There are brads. Yeah,

0:45:18.239 --> 0:45:20.400
<v Speaker 3>we're yeah, let's don't even Oh my god, if you

0:45:20.440 --> 0:45:23.560
<v Speaker 3>knew girl, if you knew stories, like, yeah, i'll DM

0:45:23.600 --> 0:45:25.080
<v Speaker 3>you later because it's another show.

0:45:25.880 --> 0:45:26.800
<v Speaker 1>I'll dem you lator.

0:45:27.320 --> 0:45:30.200
<v Speaker 3>But let's see. But well, the thing is, not only

0:45:30.360 --> 0:45:34.640
<v Speaker 3>is it hard because we assimilated and became English dominant

0:45:34.680 --> 0:45:37.480
<v Speaker 3>by being in this country and doing all our education

0:45:37.680 --> 0:45:40.960
<v Speaker 3>and working in all English spaces, but on top of that,

0:45:41.080 --> 0:45:44.360
<v Speaker 3>financial literacy is a new language of itself. Right, So

0:45:44.400 --> 0:45:47.239
<v Speaker 3>there's all these terms, yeah, that we have to learn

0:45:47.400 --> 0:45:48.920
<v Speaker 3>for the fidelity w I when on for example, I

0:45:48.920 --> 0:45:51.640
<v Speaker 3>had to learn all these terms financial literacy terms in

0:45:51.680 --> 0:45:54.359
<v Speaker 3>Spanish that even my family doesn't know because they're not

0:45:54.360 --> 0:45:58.160
<v Speaker 3>financially literate in Spanish. So it's it's a double lift.

0:45:58.360 --> 0:46:00.279
<v Speaker 3>It really is a double lift. So I really I'm

0:46:00.280 --> 0:46:01.480
<v Speaker 3>thankful for the creators.

0:46:01.840 --> 0:46:01.960
<v Speaker 2>Uh.

0:46:02.000 --> 0:46:03.560
<v Speaker 3>The one that I can think about the top of

0:46:03.560 --> 0:46:07.040
<v Speaker 3>my head is Louli Finances called Louli. She does all

0:46:07.080 --> 0:46:12.080
<v Speaker 3>Spanish content and Marivel also our Wealth Matters does bilingual.

0:46:12.239 --> 0:46:15.319
<v Speaker 3>She's fully fluent in English and Spanish, so she does

0:46:15.840 --> 0:46:19.000
<v Speaker 3>both videos in English and Spanish. And yeah, I hope

0:46:19.000 --> 0:46:21.359
<v Speaker 3>to get there one day. But I know that I'm

0:46:21.360 --> 0:46:24.200
<v Speaker 3>serving my people by by being English only at the moment.

0:46:25.239 --> 0:46:26.680
<v Speaker 1>Yeah, but I love that. You know, it's very clear

0:46:26.719 --> 0:46:28.920
<v Speaker 1>about who your audience is, but that makes sense, like

0:46:28.960 --> 0:46:30.880
<v Speaker 1>this is the audience. This is like a little like

0:46:31.000 --> 0:46:33.440
<v Speaker 1>left turn because my business brain was like, huh, I

0:46:33.480 --> 0:46:36.160
<v Speaker 1>heard that. You said you did a hybrid publisher. Yeah,

0:46:36.200 --> 0:46:38.320
<v Speaker 1>and so I did a hybrid publisher when I published

0:46:38.320 --> 0:46:41.440
<v Speaker 1>my children's well Every Birthday Molly Moore. And so I'm

0:46:41.560 --> 0:46:44.440
<v Speaker 1>curious as to like who was the publisher and how

0:46:44.440 --> 0:46:46.800
<v Speaker 1>did that work, because I don't think that our audience

0:46:46.840 --> 0:46:49.120
<v Speaker 1>gets a lot of exposure to, like you haven't. You know,

0:46:49.200 --> 0:46:51.800
<v Speaker 1>you can self published, which is just do everything yourself.

0:46:52.200 --> 0:46:55.440
<v Speaker 1>You can go traditional publishing route, which they're gonna distribute

0:46:55.440 --> 0:46:57.719
<v Speaker 1>and print and things, and then take a big part

0:46:57.719 --> 0:47:00.560
<v Speaker 1>of the pie. And then there's hybrid Oh can you

0:47:00.600 --> 0:47:01.880
<v Speaker 1>tell us about like that process.

0:47:01.960 --> 0:47:04.480
<v Speaker 3>Yeah, I'm so glad you're asking about this because it's

0:47:04.560 --> 0:47:07.400
<v Speaker 3>definitely a viable option that we should be aware of.

0:47:08.000 --> 0:47:10.399
<v Speaker 3>And to be frank, when I first heard of it,

0:47:10.440 --> 0:47:12.360
<v Speaker 3>I was like, no, because the way hy red publishing

0:47:12.400 --> 0:47:15.960
<v Speaker 3>works is you pay them to publish your book and

0:47:16.000 --> 0:47:19.239
<v Speaker 3>they still get to keep typically thirty percent royalties, so

0:47:19.239 --> 0:47:19.799
<v Speaker 3>they still get a.

0:47:19.840 --> 0:47:22.680
<v Speaker 2>Cut, And like, how does that work?

0:47:22.760 --> 0:47:24.600
<v Speaker 3>Right? This doesn't make sense that I'm paying you and

0:47:24.640 --> 0:47:26.560
<v Speaker 3>you still get to keep a cut. But it's the

0:47:26.600 --> 0:47:28.400
<v Speaker 3>way that they have skin in the game right, so

0:47:28.400 --> 0:47:31.120
<v Speaker 3>that they truly care about the production quality of the book.

0:47:31.640 --> 0:47:34.440
<v Speaker 3>And the reason I decided to do higher publishing and

0:47:34.480 --> 0:47:36.640
<v Speaker 3>I did it with green Leaf Book Group, was because

0:47:36.640 --> 0:47:38.440
<v Speaker 3>of my book coach. My book coach, shout out to

0:47:38.520 --> 0:47:42.200
<v Speaker 3>Stacy Ennis. She's wonderful and she's the one that when

0:47:42.239 --> 0:47:44.400
<v Speaker 3>I first started working with her, I was planning to

0:47:45.280 --> 0:47:48.279
<v Speaker 3>self publish. And the more that we work together and

0:47:48.360 --> 0:47:50.839
<v Speaker 3>she learned about my goal and my business, she said,

0:47:50.880 --> 0:47:52.759
<v Speaker 3>you know what, I think you might be a better

0:47:52.800 --> 0:47:56.359
<v Speaker 3>candidate for hybrid publishing. So she told me why, and

0:47:56.400 --> 0:47:58.640
<v Speaker 3>she said, you know what, You're really busy with your business.

0:47:58.719 --> 0:48:01.399
<v Speaker 3>You really don't have the time to be vetting all

0:48:01.440 --> 0:48:04.400
<v Speaker 3>these publishing professionals. You're going to need to self publish

0:48:04.600 --> 0:48:07.760
<v Speaker 3>all these different types of editors, the cover designer, the format.

0:48:08.040 --> 0:48:10.000
<v Speaker 3>I mean, unless you have those contacts good for you,

0:48:10.120 --> 0:48:14.000
<v Speaker 3>then please self publish, right. But I didn't and I

0:48:14.040 --> 0:48:15.640
<v Speaker 3>didn't want to put in the time because I'm still

0:48:15.640 --> 0:48:18.600
<v Speaker 3>growing my business. So because I had the support of

0:48:18.680 --> 0:48:21.799
<v Speaker 3>the TikTok LATINX Creative grant, I was able to cover

0:48:21.840 --> 0:48:23.760
<v Speaker 3>a lot of those costs. It was a fifty thousand

0:48:23.760 --> 0:48:26.600
<v Speaker 3>dollars grant. So yeah, at first, just to start my

0:48:26.680 --> 0:48:29.200
<v Speaker 3>higher publisher, I believe it was thirty five thousand dollars,

0:48:29.440 --> 0:48:32.600
<v Speaker 3>a nice trunk of change. And then I've added additional services.

0:48:32.600 --> 0:48:35.360
<v Speaker 3>I've added the audiobook, the hardcover. I think we're probably

0:48:35.400 --> 0:48:38.600
<v Speaker 3>at fifty thousand dollars right now. And for production costs, Yeah,

0:48:38.600 --> 0:48:39.080
<v Speaker 3>it's a lot.

0:48:39.320 --> 0:48:40.640
<v Speaker 2>Does a grant that's text for you?

0:48:40.719 --> 0:48:40.879
<v Speaker 3>Right?

0:48:40.960 --> 0:48:41.200
<v Speaker 1>Yeah?

0:48:41.200 --> 0:48:42.680
<v Speaker 3>Because it went straight to expenses.

0:48:43.560 --> 0:48:44.239
<v Speaker 1>Oh we like that.

0:48:44.640 --> 0:48:47.239
<v Speaker 2>Okay, But did the grant come before the book idea

0:48:47.280 --> 0:48:48.600
<v Speaker 2>or did you have to have the book idea to

0:48:48.600 --> 0:48:49.040
<v Speaker 2>get the grind?

0:48:49.120 --> 0:48:52.080
<v Speaker 3>The book idea has been in my mind since December

0:48:52.080 --> 0:48:55.520
<v Speaker 3>of twenty twenty. Yeah, so again posts George Floyd and

0:48:55.640 --> 0:48:58.400
<v Speaker 3>kind of seeing there needs to be diverse voices in money.

0:48:59.200 --> 0:49:01.400
<v Speaker 3>That was before I was a TikToker. I was nobody

0:49:01.440 --> 0:49:03.520
<v Speaker 3>when I first thought of this idea of like, oh,

0:49:03.600 --> 0:49:06.080
<v Speaker 3>let's do a personal finance book from the lens of

0:49:06.200 --> 0:49:10.879
<v Speaker 3>the first gen experience. Uh, and then TikTok came surprisingly

0:49:10.960 --> 0:49:14.399
<v Speaker 3>three months later. So TikTok came. I know it's that

0:49:14.360 --> 0:49:15.960
<v Speaker 3>it's magic, right, it's a universe.

0:49:16.040 --> 0:49:17.040
<v Speaker 2>I love a girl who gets shit.

0:49:17.560 --> 0:49:19.920
<v Speaker 3>Thank you. Well, you know what's funny is I actually

0:49:20.200 --> 0:49:23.319
<v Speaker 3>started writing the book in December twenty twenty, and I

0:49:23.320 --> 0:49:25.680
<v Speaker 3>see starting because I didn't even have an outline. You

0:49:26.000 --> 0:49:27.600
<v Speaker 3>both are authors, so you know how it goes like

0:49:27.640 --> 0:49:29.759
<v Speaker 3>you have to have a writing plan. I didn't do

0:49:29.760 --> 0:49:30.120
<v Speaker 3>any of that.

0:49:30.120 --> 0:49:32.880
<v Speaker 1>I was just bla la la la la.

0:49:33.360 --> 0:49:35.720
<v Speaker 3>So now I know that I wasn't really starting anything.

0:49:36.200 --> 0:49:37.719
<v Speaker 3>But when TikTok popped.

0:49:37.480 --> 0:49:40.960
<v Speaker 2>Off, you were doing something kind of it wasn't gonna

0:49:41.000 --> 0:49:42.920
<v Speaker 2>go doing it. I was going to get still believing

0:49:42.960 --> 0:49:44.600
<v Speaker 2>in yourself. Now, I know I was going to get

0:49:44.640 --> 0:49:46.799
<v Speaker 2>stuck because I had no blueprint. Right now, I know

0:49:46.880 --> 0:49:48.719
<v Speaker 2>that you very much need an outline to keep you

0:49:48.800 --> 0:49:52.040
<v Speaker 2>focused and a writing plan and a routine, because otherwise

0:49:52.040 --> 0:49:53.720
<v Speaker 2>you would just not get the manuscript done.

0:49:53.960 --> 0:49:58.120
<v Speaker 3>Yeah you both know, yeah.

0:49:56.719 --> 0:49:58.200
<v Speaker 1>So yeah no.

0:49:58.600 --> 0:50:01.359
<v Speaker 3>And then TikTok popped off in March of twenty twenty one,

0:50:01.960 --> 0:50:04.720
<v Speaker 3>and I slowly started introducing my audience to the idea

0:50:04.840 --> 0:50:07.080
<v Speaker 3>of ooh, like, I want to write this book. Would

0:50:07.080 --> 0:50:09.120
<v Speaker 3>you guys be interested? And they're like, yes, yes, we

0:50:09.200 --> 0:50:11.719
<v Speaker 3>need it. But I couldn't write it because I was

0:50:11.840 --> 0:50:14.160
<v Speaker 3>just starting my business. I had to build a solid

0:50:14.200 --> 0:50:18.560
<v Speaker 3>financial foundation. The opportunity for the grant came up in

0:50:18.600 --> 0:50:22.440
<v Speaker 3>April of twenty twenty two, a year later. So with

0:50:22.560 --> 0:50:24.239
<v Speaker 3>that funding, that's when I was able to kind of

0:50:24.280 --> 0:50:26.719
<v Speaker 3>take a step back in my business and be able

0:50:26.760 --> 0:50:30.160
<v Speaker 3>to handle those publishing costs and go into a writing cave.

0:50:30.160 --> 0:50:32.640
<v Speaker 3>I've been turning down a lot of speaking work and

0:50:32.680 --> 0:50:34.759
<v Speaker 3>stepping back my business to be able to give the

0:50:34.840 --> 0:50:36.040
<v Speaker 3>energy that I needed to writing.

0:50:37.440 --> 0:50:39.279
<v Speaker 1>Yeah, that's the hard part when you're doing it because

0:50:39.320 --> 0:50:42.279
<v Speaker 1>there's like you have to it's like the bow and

0:50:42.560 --> 0:50:44.839
<v Speaker 1>go back, like go back. Yeah, and sometimes it means

0:50:44.920 --> 0:50:48.320
<v Speaker 1>less money, yeah, less opportunity, you know, temporary fomo.

0:50:48.560 --> 0:50:51.480
<v Speaker 3>Can we talk about the fomo? Yeah, I am experiencing

0:50:51.480 --> 0:50:53.239
<v Speaker 3>the phone right now, Mandy.

0:50:54.200 --> 0:50:57.600
<v Speaker 2>I mean, I'm a mom, so like half my life

0:50:57.680 --> 0:51:01.920
<v Speaker 2>is followed. So a book is just adding you mentioned

0:51:01.920 --> 0:51:05.440
<v Speaker 2>a routine and I'm like, yeah, even even for the

0:51:05.560 --> 0:51:08.240
<v Speaker 2>if it adds another layer when you have tiny humans,

0:51:08.280 --> 0:51:10.919
<v Speaker 2>because it's like I've had to get comfortable. But there's

0:51:10.960 --> 0:51:13.320
<v Speaker 2>never going to be a routine. It's just going to

0:51:13.360 --> 0:51:16.640
<v Speaker 2>be It's going to be guerrilla warfare, is what it's like.

0:51:16.880 --> 0:51:17.120
<v Speaker 3>Yeah.

0:51:17.440 --> 0:51:19.920
<v Speaker 2>So if that's in the car on the hill in

0:51:19.960 --> 0:51:22.960
<v Speaker 2>front of my my in law's house with their babysitting

0:51:22.960 --> 0:51:25.680
<v Speaker 2>for one hour and twenty four minutes. Well, I'm gonna

0:51:25.680 --> 0:51:27.600
<v Speaker 2>see how many words I can do in an hour

0:51:27.680 --> 0:51:30.239
<v Speaker 2>and twenty four minutes. And that's that's how the book

0:51:30.280 --> 0:51:30.440
<v Speaker 2>is going.

0:51:30.600 --> 0:51:34.200
<v Speaker 3>I've heard that, I've heard the strategy of doing voice

0:51:34.239 --> 0:51:36.960
<v Speaker 3>notes and then having those transcribed. Have you heard of that,

0:51:37.000 --> 0:51:38.120
<v Speaker 3>Mandy too?

0:51:38.239 --> 0:51:40.960
<v Speaker 2>Yeah, I love Otter. I use Otter, which is my

0:51:41.200 --> 0:51:46.799
<v Speaker 2>transcription AI bought, and yes, I will try. But the

0:51:47.000 --> 0:51:50.279
<v Speaker 2>editing is impossible to do when you know, so I

0:51:50.320 --> 0:51:52.319
<v Speaker 2>can like put a bunch of word vomit out there,

0:51:52.680 --> 0:51:55.480
<v Speaker 2>but the actual like it's really art for me. It's

0:51:55.520 --> 0:51:58.920
<v Speaker 2>it feels like a creative, artistic process when I am

0:51:59.000 --> 0:52:02.440
<v Speaker 2>like words from here and putting them there and adding

0:52:02.480 --> 0:52:05.359
<v Speaker 2>some more like adding some more description. For me, it's

0:52:05.400 --> 0:52:08.719
<v Speaker 2>like it really is like cooking or painting for me

0:52:09.120 --> 0:52:11.319
<v Speaker 2>the way that I approach writing. So, yeah, it's really

0:52:11.360 --> 0:52:13.319
<v Speaker 2>hard to do when I can't just sit down and

0:52:13.360 --> 0:52:14.840
<v Speaker 2>be laser focused.

0:52:14.520 --> 0:52:17.040
<v Speaker 3>Because the voice is so important. If you just put

0:52:17.080 --> 0:52:20.120
<v Speaker 3>something vanilla out there, that won't hit. But both of

0:52:20.120 --> 0:52:23.000
<v Speaker 3>you guys have such big personalities, right, so it's important

0:52:23.040 --> 0:52:25.160
<v Speaker 3>that your voice is also infused in there. And that's

0:52:25.160 --> 0:52:27.160
<v Speaker 3>a feedback I've gone from my readers. I feel like

0:52:27.280 --> 0:52:29.720
<v Speaker 3>you're like saying this to me, Yeah, because I infuse

0:52:29.840 --> 0:52:30.640
<v Speaker 3>my voice in there.

0:52:31.200 --> 0:52:34.799
<v Speaker 2>Yeah. Okay, So talk more about the highway. So you pay,

0:52:34.880 --> 0:52:38.080
<v Speaker 2>you pay thirty five, now fifty thousand dollars into the process.

0:52:38.760 --> 0:52:42.600
<v Speaker 2>So what's your expectation because I think in traditional publishing,

0:52:42.600 --> 0:52:45.000
<v Speaker 2>we all, you know, because we have friends like Tiffany

0:52:45.080 --> 0:52:47.520
<v Speaker 2>has been great and other friends of minew written books.

0:52:47.800 --> 0:52:49.920
<v Speaker 2>Like my expectation is you ain't gonna make money from

0:52:49.920 --> 0:52:53.840
<v Speaker 2>this in like for a minute, if ever, et cetera,

0:52:53.880 --> 0:52:55.600
<v Speaker 2>and it's really hard and all that kind of stuff.

0:52:56.040 --> 0:52:58.840
<v Speaker 2>But what's your expectation with the hybrid process? Do you

0:52:58.880 --> 0:53:00.000
<v Speaker 2>expect to get the money back?

0:53:00.320 --> 0:53:00.839
<v Speaker 1>Are you okay?

0:53:00.880 --> 0:53:02.560
<v Speaker 2>If you don't like? What is that?

0:53:02.680 --> 0:53:06.520
<v Speaker 3>Yeah? So luckily you know out of so let me

0:53:06.520 --> 0:53:10.399
<v Speaker 3>give you a breakdown of the money spent. So out

0:53:10.400 --> 0:53:12.920
<v Speaker 3>of the fifty thousand dollars grant, thirty five went to

0:53:13.000 --> 0:53:15.120
<v Speaker 3>my hyperd publisher and then the rest went to my

0:53:15.160 --> 0:53:17.840
<v Speaker 3>book coach. So out of my own pocket, I have

0:53:17.960 --> 0:53:21.759
<v Speaker 3>probably spent thirty thousand dollars on the book marketing. I

0:53:21.800 --> 0:53:25.240
<v Speaker 3>had a book launch party and other efforts and additional

0:53:25.239 --> 0:53:27.239
<v Speaker 3>add ons that I've done with the publisher. Right, So,

0:53:28.800 --> 0:53:30.839
<v Speaker 3>am I worried about those fifty thousand that I got

0:53:30.880 --> 0:53:33.200
<v Speaker 3>for free? No? Right there there were grant it'd be

0:53:33.200 --> 0:53:35.919
<v Speaker 3>great to get them back. But really I really would

0:53:35.960 --> 0:53:38.320
<v Speaker 3>love those thirty thousand back, and I'm more than comfortable

0:53:38.360 --> 0:53:42.000
<v Speaker 3>I will because my strategy is not to get the

0:53:42.040 --> 0:53:44.160
<v Speaker 3>money back through book sales, because we all know well,

0:53:44.239 --> 0:53:47.000
<v Speaker 3>unless you're a New York Times bestselling author like Tiffany

0:53:47.080 --> 0:53:49.400
<v Speaker 3>over and over again, then yes, you will make that

0:53:49.440 --> 0:53:52.439
<v Speaker 3>sh money. But the rest of us, we typically don't

0:53:52.440 --> 0:53:54.719
<v Speaker 3>make money off book sales. So we have to think

0:53:54.760 --> 0:53:56.560
<v Speaker 3>of how are we going to use this cloud that

0:53:56.560 --> 0:53:59.759
<v Speaker 3>we're getting as authors to monetize? And for me, I

0:53:59.800 --> 0:54:03.080
<v Speaker 3>don't already been speaking. I'd already been speaking on financial education,

0:54:03.600 --> 0:54:07.759
<v Speaker 3>on career advocacy for latinas, on influencer marketing, financial inclusivity

0:54:07.800 --> 0:54:12.839
<v Speaker 3>for financial institutions. So I've revamped my speaker page. I

0:54:12.920 --> 0:54:16.560
<v Speaker 3>have a new speaking brochure now with my evil Longoria blurb,

0:54:16.640 --> 0:54:19.080
<v Speaker 3>endorsement and all these things. So yeah, now they're getting

0:54:19.080 --> 0:54:22.040
<v Speaker 3>the they're not getting the TikToker Gigi they're getting the

0:54:22.760 --> 0:54:27.040
<v Speaker 3>exactly put some respect on my men best selling author

0:54:27.560 --> 0:54:31.160
<v Speaker 3>Giovanna Gonzaniz exactly. So so so yeah, and that's how

0:54:31.200 --> 0:54:34.919
<v Speaker 3>I very much intend to recover my investment and then

0:54:35.000 --> 0:54:37.279
<v Speaker 3>some and that's where I want my career to go.

0:54:37.440 --> 0:54:39.719
<v Speaker 3>You know, I love TikTok is how I started. I

0:54:39.719 --> 0:54:41.600
<v Speaker 3>would not have started any of this had it not

0:54:41.680 --> 0:54:45.840
<v Speaker 3>been for TikTok because of the authenticity and the rawness

0:54:45.840 --> 0:54:48.040
<v Speaker 3>of what it takes to show up and just be yourself.

0:54:48.120 --> 0:54:51.160
<v Speaker 3>I love that about TikTok. But honestly, you know, with

0:54:51.200 --> 0:54:54.560
<v Speaker 3>the political environment that we're in, TikTok can go away tomorrow.

0:54:55.160 --> 0:54:57.840
<v Speaker 3>So I can't have TikTok be my forever. I have

0:54:57.920 --> 0:54:59.840
<v Speaker 3>to have several irons in the fire, and for me,

0:55:00.000 --> 0:55:03.080
<v Speaker 3>I really want to land some more speaking, and.

0:55:03.040 --> 0:55:04.759
<v Speaker 1>I will say too, just so you know, Gig, it's

0:55:04.800 --> 0:55:07.680
<v Speaker 1>not so typically for those who are listening who are

0:55:07.680 --> 0:55:13.080
<v Speaker 1>considering the traditional space usually get like whatever that upfront

0:55:13.400 --> 0:55:16.520
<v Speaker 1>number is. So for me, it was a few hundred

0:55:16.560 --> 0:55:18.960
<v Speaker 1>thousand dollars. Well, I'll just be honest. I'm like it's

0:55:18.960 --> 0:55:21.120
<v Speaker 1>over now, six hundred thousand. It was a six hundred

0:55:21.120 --> 0:55:22.960
<v Speaker 1>between Yeah, it was a lot. I'm not gonna lie

0:55:22.960 --> 0:55:25.320
<v Speaker 1>even oh well, because there was a little bit of

0:55:25.320 --> 0:55:27.840
<v Speaker 1>a bidding war because when I came out, there were.

0:55:27.800 --> 0:55:28.520
<v Speaker 2>She had to fight.

0:55:29.400 --> 0:55:33.200
<v Speaker 3>Yeah, there were no they had their trail, but.

0:55:33.120 --> 0:55:35.640
<v Speaker 1>There were no financial books that were like pending. It

0:55:35.680 --> 0:55:37.560
<v Speaker 1>was a perfect time. Right now, there's a lot coming out.

0:55:37.680 --> 0:55:41.080
<v Speaker 1>But it was like right before pandemic is right, so

0:55:41.160 --> 0:55:42.919
<v Speaker 1>it was like there was a gap. They were like, girl,

0:55:42.920 --> 0:55:44.560
<v Speaker 1>you're the only game in town right now. So it

0:55:44.600 --> 0:55:45.200
<v Speaker 1>was perfect time.

0:55:45.200 --> 0:55:45.680
<v Speaker 3>Amazing.

0:55:46.480 --> 0:55:49.520
<v Speaker 1>So so I got a lot of money upfront. But

0:55:49.880 --> 0:55:51.880
<v Speaker 1>the thing is is that you know, I wanted to

0:55:51.880 --> 0:55:53.640
<v Speaker 1>make money on the back end, and so you get

0:55:53.680 --> 0:55:56.839
<v Speaker 1>seventy percent to keep. I only get fifteen percent. That's

0:55:56.840 --> 0:55:59.799
<v Speaker 1>the that's typical of the of the space. And then

0:55:59.840 --> 0:56:02.279
<v Speaker 1>you have to pay back the six hundred thousand. Now

0:56:02.280 --> 0:56:04.360
<v Speaker 1>here's the thing. Let's just say they gave me the

0:56:04.360 --> 0:56:06.400
<v Speaker 1>money and I didn't sell the books. I still get

0:56:06.440 --> 0:56:09.520
<v Speaker 1>to keep the six hundred thousand, you know. And it's

0:56:09.520 --> 0:56:11.239
<v Speaker 1>not like the record business where he's like no, no, no,

0:56:11.280 --> 0:56:13.480
<v Speaker 1>you owe it, no matter what, why about it. It's

0:56:13.520 --> 0:56:15.719
<v Speaker 1>just kind of like yes, it's kind of just like

0:56:15.840 --> 0:56:18.759
<v Speaker 1>we hope we get it back. And so it took

0:56:18.800 --> 0:56:20.839
<v Speaker 1>me two years. And some people never pay it back,

0:56:20.880 --> 0:56:22.640
<v Speaker 1>but it took me about two years to pay back

0:56:22.880 --> 0:56:26.279
<v Speaker 1>through book sales the six hundred thousand, and just so

0:56:26.320 --> 0:56:29.040
<v Speaker 1>we're clear, I didn't even realize this. I have to

0:56:29.080 --> 0:56:32.719
<v Speaker 1>pay it back in the fifteen percent increments. So yeah,

0:56:32.840 --> 0:56:35.800
<v Speaker 1>that's my mind. I was like, oh, yes, So let's

0:56:35.800 --> 0:56:38.440
<v Speaker 1>just say I sell my book and it's a dollar.

0:56:39.520 --> 0:56:42.960
<v Speaker 1>So normally my take of that dollar is fifteen cents

0:56:43.160 --> 0:56:46.160
<v Speaker 1>for every dollar that I sell. They're like, okay, but

0:56:46.239 --> 0:56:47.799
<v Speaker 1>we're not going to give you fifteen cents for every

0:56:47.800 --> 0:56:49.560
<v Speaker 1>dollar you sell, Tiffany, until you pay us back the

0:56:49.600 --> 0:56:51.600
<v Speaker 1>six hundred thousand that we gave you. But she did,

0:56:51.640 --> 0:56:55.200
<v Speaker 1>no problem. Yes, but it's not like this book is

0:56:55.200 --> 0:56:57.200
<v Speaker 1>a dollar. I paid you back a dollar. They're like, no,

0:56:57.520 --> 0:57:00.000
<v Speaker 1>this book is a dollar. You paid us back fifteen cents.

0:57:01.040 --> 0:57:05.720
<v Speaker 2>What do you say, girl?

0:57:06.440 --> 0:57:08.640
<v Speaker 1>So that's so when people so I did not know that.

0:57:08.719 --> 0:57:10.719
<v Speaker 1>I wanted you to explain, girl, I did not know that.

0:57:12.000 --> 0:57:14.839
<v Speaker 1>But that's how book math goes. And so that's why

0:57:14.920 --> 0:57:18.320
<v Speaker 1>I'm so glad you're introducing this a hybrid model available

0:57:18.440 --> 0:57:22.440
<v Speaker 1>they're self publishing. Certainly am I regretful of traditional publishing.

0:57:22.480 --> 0:57:25.640
<v Speaker 1>Now I'm really grateful because I self published before. I

0:57:25.640 --> 0:57:28.000
<v Speaker 1>self published like five books and I could, and I

0:57:28.080 --> 0:57:32.400
<v Speaker 1>hybrid published before, and I decided to traditionally publish, not

0:57:32.520 --> 0:57:34.640
<v Speaker 1>for the money, but for a certain like there were

0:57:34.640 --> 0:57:37.200
<v Speaker 1>certain things that I wanted to have access to, yea,

0:57:37.280 --> 0:57:38.480
<v Speaker 1>you know, so I was like, okay, I'm going to

0:57:38.560 --> 0:57:41.200
<v Speaker 1>do this. So I knew in general. I'm joking about

0:57:41.280 --> 0:57:42.880
<v Speaker 1>not knowing when I signed a contract. I did because

0:57:42.880 --> 0:57:46.600
<v Speaker 1>at my attorney was like, are you sure? Because book contracts,

0:57:46.600 --> 0:57:48.880
<v Speaker 1>you know, they're not so great in your favor because

0:57:48.960 --> 0:57:52.120
<v Speaker 1>essentially you have to pay back way more than you're

0:57:52.160 --> 0:57:54.360
<v Speaker 1>so you have to basically pay back millions of dollars

0:57:54.360 --> 0:57:56.320
<v Speaker 1>for me for them to get their six hundred thousands, right,

0:57:56.840 --> 0:57:57.520
<v Speaker 1>you see what I mean?

0:57:57.680 --> 0:57:57.760
<v Speaker 3>Right?

0:57:57.800 --> 0:57:59.000
<v Speaker 1>Because I just take that math.

0:57:58.880 --> 0:58:01.280
<v Speaker 2>That means you had to self four million dollars worth of.

0:58:01.280 --> 0:58:03.600
<v Speaker 3>Oh my goodness, girl, look at my face.

0:58:03.840 --> 0:58:04.400
<v Speaker 2>I went.

0:58:06.520 --> 0:58:09.440
<v Speaker 1>Fifteen, I've done it already, so I gave them, so, yes, girl,

0:58:09.960 --> 0:58:12.120
<v Speaker 1>they had to make millions before they're like, oh, thanks

0:58:12.120 --> 0:58:12.960
<v Speaker 1>for the six hundred.

0:58:12.720 --> 0:58:15.320
<v Speaker 2>Thousand and over one hundred and thirty thousand copies of

0:58:15.360 --> 0:58:15.720
<v Speaker 2>your book.

0:58:15.760 --> 0:58:16.920
<v Speaker 1>Well, girl, we're at two sixty.

0:58:17.320 --> 0:58:20.040
<v Speaker 2>I love math, yeah yeah, yeah, no no, but to

0:58:20.120 --> 0:58:21.760
<v Speaker 2>get there, to get there.

0:58:21.680 --> 0:58:23.520
<v Speaker 1>The other thing, and so that took me two years,

0:58:23.560 --> 0:58:24.880
<v Speaker 1>and so I'm just sorry. And so I just want

0:58:24.880 --> 0:58:27.120
<v Speaker 1>people to understand, like, you know, there's benefits, pros and cons.

0:58:27.120 --> 0:58:30.080
<v Speaker 1>And then I just like, you know, now that I'm

0:58:30.080 --> 0:58:34.320
<v Speaker 1>starting to get my I guess it's every two twice

0:58:34.320 --> 0:58:36.560
<v Speaker 1>a year, I'm starting to get those like whatever checks are.

0:58:36.560 --> 0:58:39.280
<v Speaker 1>But there's still only fifteen percent of the books sold.

0:58:39.560 --> 0:58:41.280
<v Speaker 1>And so I didn't do it for the money. I

0:58:41.320 --> 0:58:44.040
<v Speaker 1>did it for the It raised the value of the

0:58:44.040 --> 0:58:47.560
<v Speaker 1>brand over all. To your point, gg, I raised my credibility,

0:58:47.920 --> 0:58:50.200
<v Speaker 1>I raised my spokesperson with I raised all of that.

0:58:50.320 --> 0:58:52.560
<v Speaker 1>So yeah, so I got paid. It was worth it

0:58:52.560 --> 0:58:53.280
<v Speaker 1>to me to do it for.

0:58:53.240 --> 0:58:55.360
<v Speaker 3>That, Yeah no, And I and I love it. I

0:58:55.400 --> 0:58:57.720
<v Speaker 3>love it. And I actually encourage my audience to request

0:58:57.720 --> 0:59:00.680
<v Speaker 3>her book from the library or to borrow it from

0:59:00.720 --> 0:59:02.880
<v Speaker 3>a friend, because yeah, like for them, I want to

0:59:02.920 --> 0:59:05.000
<v Speaker 3>make it cheap. It's these organizations that have the big

0:59:05.040 --> 0:59:07.400
<v Speaker 3>budgets to pay us right, to pay us back for

0:59:07.400 --> 0:59:09.320
<v Speaker 3>our investment. One last thing I love to add about

0:59:09.360 --> 0:59:12.040
<v Speaker 3>hybrid publishing, and again, There are pros and cons to

0:59:12.120 --> 0:59:15.440
<v Speaker 3>every type of publishing model. But what really sold me

0:59:15.600 --> 0:59:18.160
<v Speaker 3>on hybrid publishing was that I had a final say

0:59:18.280 --> 0:59:22.920
<v Speaker 3>on title, cover, editorial, everything. I was final say on

0:59:23.640 --> 0:59:26.080
<v Speaker 3>and thank goodness for that. Let me tell you, because

0:59:26.200 --> 0:59:28.080
<v Speaker 3>the first batch of titles that they try to give

0:59:28.120 --> 0:59:30.720
<v Speaker 3>me for this book, it was giving like white Boomer Vanilla.

0:59:30.840 --> 0:59:32.959
<v Speaker 3>I'm like, no, no, no, no, no, none of this works.

0:59:33.040 --> 0:59:35.560
<v Speaker 3>You misunderstood the assignment. Go back to the drawing board

0:59:35.600 --> 0:59:37.480
<v Speaker 3>and come back with something better. And they came back

0:59:37.520 --> 0:59:41.080
<v Speaker 3>with Duran cash by cultural title that my community loves

0:59:41.240 --> 0:59:42.880
<v Speaker 3>right and the cover.

0:59:42.880 --> 0:59:43.840
<v Speaker 2>I thought you came up with it.

0:59:43.880 --> 0:59:48.440
<v Speaker 3>I wish I know. I paid them a titling service

0:59:48.600 --> 0:59:51.040
<v Speaker 3>to help me cook that up. Yeah so again everything

0:59:51.200 --> 0:59:54.320
<v Speaker 3>costs money with the high red publisher. Yeah yeah, but

0:59:55.200 --> 0:59:58.600
<v Speaker 3>I'LLAKRK exactly, but you get final say so. Like I said,

0:59:58.760 --> 1:00:02.120
<v Speaker 3>I like this title, I like this cover. When my edit,

1:00:02.240 --> 1:00:04.919
<v Speaker 3>my white editor try to whitewash my writing and said

1:00:04.920 --> 1:00:07.480
<v Speaker 3>that this part is insulting to white people, I said,

1:00:07.520 --> 1:00:10.080
<v Speaker 3>I don't care. They're not the intended audience. So I

1:00:10.120 --> 1:00:13.120
<v Speaker 3>was able to hold that control and write the book

1:00:13.160 --> 1:00:16.000
<v Speaker 3>that my reader needs to hear not with some white

1:00:16.040 --> 1:00:18.600
<v Speaker 3>publishing house we thought would do good with the market.

1:00:18.960 --> 1:00:20.800
<v Speaker 3>So I'm really really proud of that, and that's why

1:00:20.840 --> 1:00:23.760
<v Speaker 3>the book is resonating. I has already sixty six reviews

1:00:23.760 --> 1:00:26.080
<v Speaker 3>on Amazon and it hasn't even been a week.

1:00:26.200 --> 1:00:29.080
<v Speaker 2>Yeah, it's only about to have sixty seven. I forget

1:00:29.080 --> 1:00:30.680
<v Speaker 2>all the things I have to do to support all

1:00:30.720 --> 1:00:33.360
<v Speaker 2>my authors. Yeah, I'm like, I didn't leave a review.

1:00:33.400 --> 1:00:34.120
<v Speaker 3>You did?

1:00:34.160 --> 1:00:36.720
<v Speaker 1>You tell them that, like if they Amazon gives them

1:00:36.880 --> 1:00:39.320
<v Speaker 1>a little extra push if they do a video or picture.

1:00:39.480 --> 1:00:41.520
<v Speaker 3>I got that tip from you, Tiffany, from the men

1:00:41.920 --> 1:00:45.200
<v Speaker 3>from the Mentorship, a mentee program that you have, so yeah,

1:00:45.200 --> 1:00:47.080
<v Speaker 3>I actually I haven't had them do videos. Are you

1:00:47.120 --> 1:00:50.920
<v Speaker 3>a menthi yes girl, Yes, Oh my goodness. I listened

1:00:50.920 --> 1:00:53.120
<v Speaker 3>to you did a like a you did like a

1:00:53.120 --> 1:00:55.200
<v Speaker 3>webinar on what you did for your book launch.

1:00:55.280 --> 1:00:56.160
<v Speaker 1>I took notes.

1:00:57.400 --> 1:00:59.959
<v Speaker 3>I implemented a lot of the advice the Street Team.

1:01:00.040 --> 1:01:02.160
<v Speaker 3>For anybody that is not a part of the Mentorship,

1:01:02.200 --> 1:01:05.120
<v Speaker 3>please join her mentorship on Patreon. It's so worth it.

1:01:05.600 --> 1:01:07.680
<v Speaker 3>The advice on the Street Team alone. That's how I

1:01:07.720 --> 1:01:10.760
<v Speaker 3>got all those reviews because of the power of the

1:01:10.800 --> 1:01:11.360
<v Speaker 3>Street Team.

1:01:11.480 --> 1:01:14.200
<v Speaker 2>Yes, yes, yes, sixty eight. By the way, about ah

1:01:15.000 --> 1:01:15.640
<v Speaker 2>so sweet?

1:01:16.080 --> 1:01:17.000
<v Speaker 3>Yeah, no, so I have.

1:01:17.240 --> 1:01:18.240
<v Speaker 1>I had a couple of them.

1:01:18.280 --> 1:01:19.960
<v Speaker 3>I gave them the book in advance so they had

1:01:19.960 --> 1:01:21.880
<v Speaker 3>a physical copy and they could post a little cute

1:01:21.880 --> 1:01:24.280
<v Speaker 3>aesthetic picture with the coffee next to it or the

1:01:24.280 --> 1:01:26.760
<v Speaker 3>computer next to it. Because I learned from you, and

1:01:26.800 --> 1:01:28.960
<v Speaker 3>thank you for not gate keeping that information. That's why

1:01:28.960 --> 1:01:30.560
<v Speaker 3>I love both of you, because you're so open and

1:01:30.600 --> 1:01:33.680
<v Speaker 3>honest and transparent and really about uplifting women. Because that

1:01:33.760 --> 1:01:36.720
<v Speaker 3>helped me tremendously and making this launch successful.

1:01:37.680 --> 1:01:42.160
<v Speaker 2>Yeah, yeah, Tiffany, never stopped, never stop giving those book jumps,

1:01:42.240 --> 1:01:46.560
<v Speaker 2>because until you, with your candor, came out and really

1:01:46.920 --> 1:01:51.000
<v Speaker 2>laid them all out, like there wasn't another free U

1:01:51.160 --> 1:01:53.480
<v Speaker 2>gate kept not behind to pay, well, not behind it.

1:01:53.480 --> 1:01:57.200
<v Speaker 2>Give me your email address, take this course. I know

1:01:57.280 --> 1:01:59.120
<v Speaker 2>the book that the book coaches out there were like

1:01:59.160 --> 1:01:59.640
<v Speaker 2>god damn.

1:02:03.960 --> 1:02:05.680
<v Speaker 1>Sometimes I'll bet people they're like, you can do a

1:02:05.680 --> 1:02:07.920
<v Speaker 1>two buy. I'm like, my bag, girl, it's just that

1:02:07.960 --> 1:02:09.400
<v Speaker 1>I get so excited about teaching.

1:02:09.520 --> 1:02:11.360
<v Speaker 2>No, no, you're not doing You're a giver.

1:02:11.720 --> 1:02:14.080
<v Speaker 3>You're a giver for me and for anybody that's interested

1:02:14.120 --> 1:02:15.720
<v Speaker 3>in my insights that I had to share as a

1:02:15.800 --> 1:02:18.520
<v Speaker 3>Latina in a very white publishing industry. I do plan

1:02:18.600 --> 1:02:21.680
<v Speaker 3>to hold a free webinar for any women of color

1:02:21.680 --> 1:02:24.320
<v Speaker 3>that like to join, and that's just for me to

1:02:24.400 --> 1:02:27.240
<v Speaker 3>pour back into the community. It'll be a one hour webinar.

1:02:27.440 --> 1:02:29.280
<v Speaker 3>You can ask me anything. Also have a little outline

1:02:29.280 --> 1:02:31.440
<v Speaker 3>of topics that I want to discuss. And for me,

1:02:31.600 --> 1:02:33.800
<v Speaker 3>that's like, this is here for you to learn from

1:02:33.920 --> 1:02:35.880
<v Speaker 3>what I am not available for are for all these

1:02:35.920 --> 1:02:38.000
<v Speaker 3>people that are dming me, girl, I love to pick

1:02:38.040 --> 1:02:41.400
<v Speaker 3>your brain. No, I would love to, but there's no

1:02:41.440 --> 1:02:43.640
<v Speaker 3>time for that, right So so for me, that's my

1:02:43.720 --> 1:02:47.080
<v Speaker 3>resource to and remember pouring into the community having this

1:02:47.200 --> 1:02:50.160
<v Speaker 3>free webinar, which I'll probably have in May May twenty

1:02:50.160 --> 1:02:50.640
<v Speaker 3>twenty four.

1:02:51.000 --> 1:02:52.960
<v Speaker 1>I love that you hear the bag.

1:02:53.800 --> 1:02:55.880
<v Speaker 3>Thank you. You guys are are starting.

1:02:56.240 --> 1:02:59.000
<v Speaker 2>I forgot your power. Like there's just something like and

1:02:59.040 --> 1:02:59.560
<v Speaker 2>I haven't.

1:02:59.360 --> 1:03:00.760
<v Speaker 3>Seen you in a why I have a sing you

1:03:00.800 --> 1:03:02.320
<v Speaker 3>know what, that's why I know.

1:03:02.440 --> 1:03:03.920
<v Speaker 2>But I'm like, oh, I just want to be in

1:03:04.000 --> 1:03:05.760
<v Speaker 2>your I want to be in your orbit, Like you

1:03:05.800 --> 1:03:08.160
<v Speaker 2>know when you meet people and you're just like the shot,

1:03:08.240 --> 1:03:12.080
<v Speaker 2>the brightness, the warmth, the power I felt I met

1:03:11.600 --> 1:03:16.720
<v Speaker 2>true Yeah, you're just this this like just this bullet.

1:03:16.760 --> 1:03:19.360
<v Speaker 2>That's how it feels like. And there's nothing that you

1:03:19.400 --> 1:03:22.520
<v Speaker 2>can't do. What makes you that way? That's what my

1:03:22.520 --> 1:03:23.840
<v Speaker 2>therapist asked me. She's like, so what is it?

1:03:24.600 --> 1:03:26.160
<v Speaker 3>I don't really hard question. I don't know how real

1:03:26.240 --> 1:03:26.880
<v Speaker 3>you want to get here?

1:03:26.960 --> 1:03:29.160
<v Speaker 2>Because I want I want you to get real because

1:03:29.200 --> 1:03:31.920
<v Speaker 2>I just it's so palpable to me. Your your presence,

1:03:32.600 --> 1:03:36.440
<v Speaker 2>deep breath that had to take you. Thought I was

1:03:36.440 --> 1:03:36.840
<v Speaker 2>gonna wrap.

1:03:36.880 --> 1:03:38.960
<v Speaker 3>No, no, no, no no no, Let's talk about it. Let's

1:03:38.960 --> 1:03:40.920
<v Speaker 3>be real, because I know your podcast is all about Roala.

1:03:41.080 --> 1:03:43.960
<v Speaker 3>So what makes me this way?

1:03:44.200 --> 1:03:44.280
<v Speaker 2>That?

1:03:44.400 --> 1:03:49.320
<v Speaker 3>My mom is my biggest enemy? Unfortunately I've gone public

1:03:49.360 --> 1:03:51.760
<v Speaker 3>about this on a Refinery twenty nine article about Haha,

1:03:51.760 --> 1:03:55.600
<v Speaker 3>I'm estrange for my mother. But my mom, I love her,

1:03:55.720 --> 1:03:58.800
<v Speaker 3>but she's toxic and instead of being proud of me

1:03:59.000 --> 1:04:03.440
<v Speaker 3>and cheering on and being supported, she does a complete opposite.

1:04:03.680 --> 1:04:06.000
<v Speaker 3>And Thank goodness for therapy because I would not be

1:04:06.000 --> 1:04:07.920
<v Speaker 3>able to say this right now without crying. And thank

1:04:07.960 --> 1:04:09.880
<v Speaker 3>goodness for prozac because I would definitely be crying too

1:04:09.880 --> 1:04:15.400
<v Speaker 3>if I was not on prozac, medicated and motivated. Yeah,

1:04:17.200 --> 1:04:20.880
<v Speaker 3>But the fact that my mom has been as challenging

1:04:20.920 --> 1:04:22.600
<v Speaker 3>as she has been with me. And if you read

1:04:22.600 --> 1:04:25.080
<v Speaker 3>the book, you'll see one personal story where I share

1:04:25.400 --> 1:04:28.880
<v Speaker 3>about the importance of credit building because there was an

1:04:28.880 --> 1:04:31.000
<v Speaker 3>incident with the car. I won't give away the story.

1:04:31.080 --> 1:04:33.280
<v Speaker 3>You'll have to read the book, but you kind of

1:04:33.280 --> 1:04:35.360
<v Speaker 3>get a sense for some of the challenges that I

1:04:35.400 --> 1:04:37.800
<v Speaker 3>have with my mother. And yeah, we've been no contact

1:04:37.840 --> 1:04:40.960
<v Speaker 3>for two years now. The last straw was she was

1:04:41.160 --> 1:04:45.440
<v Speaker 3>physically abusive, and I'm just like, I can tolerate the

1:04:45.520 --> 1:04:50.000
<v Speaker 3>you know, the verbal abuse, the condescending everything, the criticism,

1:04:50.120 --> 1:04:53.800
<v Speaker 3>the judgment, the judgment, but physical abuse is just something

1:04:53.840 --> 1:04:56.280
<v Speaker 3>that I will never tolerate from anybody, even if it's

1:04:56.280 --> 1:04:59.480
<v Speaker 3>my own mother. Yeah. Yeah, so that's what, honestly, like,

1:04:59.640 --> 1:05:01.520
<v Speaker 3>that's when makes me strong, because it's funny when when

1:05:01.560 --> 1:05:04.240
<v Speaker 3>I get haters and my TikTok comments section, people are like, Gigi,

1:05:04.280 --> 1:05:06.400
<v Speaker 3>how how does it not affect you? Like, you know,

1:05:06.480 --> 1:05:09.200
<v Speaker 3>the the and I actually enjoy doing the clapbacks. That's

1:05:09.240 --> 1:05:10.480
<v Speaker 3>like the unhealed part of me.

1:05:12.240 --> 1:05:12.960
<v Speaker 2>I do.

1:05:13.800 --> 1:05:14.120
<v Speaker 1>I do.

1:05:14.200 --> 1:05:16.080
<v Speaker 3>I'm not gonna lie. People are like, don't waste your energy.

1:05:16.120 --> 1:05:18.480
<v Speaker 3>I'm like, sometimes I like to waste my energy.

1:05:18.200 --> 1:05:21.800
<v Speaker 2>This way, like, let me, let me create space for

1:05:21.840 --> 1:05:24.560
<v Speaker 2>that pettiness, because I'm the one hand to two you

1:05:24.720 --> 1:05:27.640
<v Speaker 2>want to choose wild, I got time to be petty.

1:05:27.720 --> 1:05:28.920
<v Speaker 3>So yeah, I don't think that I'm not going to

1:05:29.000 --> 1:05:31.480
<v Speaker 3>respond back. Yeah, if I have time, I will. But

1:05:32.480 --> 1:05:34.600
<v Speaker 3>my answer to when people say, how does this not

1:05:34.640 --> 1:05:37.080
<v Speaker 3>affect you? When people can be nasty in the comment section,

1:05:37.160 --> 1:05:39.200
<v Speaker 3>it's always the strangers, you know, when the when the

1:05:39.240 --> 1:05:41.640
<v Speaker 3>TikTok goes viral, it's never your own community members. It's

1:05:41.680 --> 1:05:44.240
<v Speaker 3>just some random on the internet with a five two

1:05:44.280 --> 1:05:48.880
<v Speaker 3>two nine nine username and no profile picture. Right, And

1:05:49.320 --> 1:05:52.360
<v Speaker 3>I say, nothing that these people can say is worse

1:05:52.400 --> 1:05:55.080
<v Speaker 3>than when my own mother has already said to me.

1:05:55.480 --> 1:05:57.240
<v Speaker 3>You know, so, I'm sorry, kind of got darker than

1:05:57.320 --> 1:05:59.560
<v Speaker 3>I hope we can end on a positive note. But

1:05:59.640 --> 1:06:01.600
<v Speaker 3>that's the realness, honestly, of how.

1:06:01.600 --> 1:06:02.960
<v Speaker 2>You are the positive note.

1:06:03.520 --> 1:06:05.959
<v Speaker 1>You're so sweet just because look how you reflect joy

1:06:06.120 --> 1:06:08.040
<v Speaker 1>despite I mean, we all, I mean, you cannot go

1:06:08.040 --> 1:06:10.520
<v Speaker 1>through life without challenges. It's just that's just not how

1:06:11.200 --> 1:06:15.320
<v Speaker 1>you know. And my therapist always shares that trauma is

1:06:15.360 --> 1:06:18.720
<v Speaker 1>when something happened that should not have or something should

1:06:18.720 --> 1:06:21.800
<v Speaker 1>have happened and it didn't, you know, so we all

1:06:21.920 --> 1:06:25.080
<v Speaker 1>have trauma that we navigate and look how like look

1:06:25.080 --> 1:06:28.800
<v Speaker 1>at the light. You are, you know, as a result

1:06:28.840 --> 1:06:31.800
<v Speaker 1>of or despite despite that trauma. So we're just so grateful.

1:06:32.120 --> 1:06:35.760
<v Speaker 1>Thank you you are here, you show fully like you know,

1:06:36.000 --> 1:06:38.800
<v Speaker 1>because you're here, You're gonna have a bunch of daughters.

1:06:38.960 --> 1:06:40.480
<v Speaker 1>Right when someone comes to me and they're like, oh

1:06:40.480 --> 1:06:43.919
<v Speaker 1>my gosh, I started like Burner, I love burn Yeah,

1:06:44.160 --> 1:06:49.080
<v Speaker 1>oh my god, that's I'm like, that's my daughter, you know,

1:06:49.280 --> 1:06:52.080
<v Speaker 1>Like I love that though, because you know, she's like

1:06:52.120 --> 1:06:54.120
<v Speaker 1>because if you know Berner, I mean you think I'm crazy.

1:06:54.120 --> 1:06:59.000
<v Speaker 1>Berna is we've mad so Burna. You know, She's like,

1:06:59.040 --> 1:07:01.360
<v Speaker 1>I didn't know that I could be my full silly,

1:07:01.400 --> 1:07:03.360
<v Speaker 1>crazy self online and then one day sift me I

1:07:03.360 --> 1:07:05.960
<v Speaker 1>saw you. I was like, wait a minute, I recognize crazy.

1:07:05.960 --> 1:07:06.760
<v Speaker 1>I could be crazy to.

1:07:06.800 --> 1:07:09.320
<v Speaker 2>Yeah, so you did it to another level.

1:07:15.040 --> 1:07:15.640
<v Speaker 1>On the internet.

1:07:15.800 --> 1:07:19.040
<v Speaker 3>But I love it. I love it because some people

1:07:19.080 --> 1:07:21.360
<v Speaker 3>need to see Bernard t working on the internet to

1:07:21.360 --> 1:07:23.560
<v Speaker 3>pay attention, you know, otherwise.

1:07:23.720 --> 1:07:25.840
<v Speaker 2>I'm that people exactly, I'm people.

1:07:26.240 --> 1:07:28.320
<v Speaker 1>But you, as a result of you showing up fully

1:07:28.360 --> 1:07:31.320
<v Speaker 1>as yourself, if somebody is like nodding like, oh my gosh,

1:07:31.320 --> 1:07:34.320
<v Speaker 1>that's my dad or that's my brother or that's my whatever,

1:07:34.360 --> 1:07:35.960
<v Speaker 1>and I'd be like, wait, so I can show up

1:07:35.960 --> 1:07:39.840
<v Speaker 1>fully and wonderfully and with joy and beauty while also.

1:07:39.720 --> 1:07:41.600
<v Speaker 3>Navigating family estrangement.

1:07:41.920 --> 1:07:43.960
<v Speaker 1>So yeah, it's so taboo, So thank you.

1:07:44.720 --> 1:07:46.680
<v Speaker 3>Yeah, And you know, I would also like to technowledge that,

1:07:46.760 --> 1:07:49.120
<v Speaker 3>thank God, I have an amazing father. My father is

1:07:49.160 --> 1:07:50.960
<v Speaker 3>like my best friend, so at least I feel that

1:07:51.040 --> 1:07:52.680
<v Speaker 3>I have some sort of parental support.

1:07:53.480 --> 1:07:54.080
<v Speaker 1>I also have.

1:07:54.040 --> 1:07:57.000
<v Speaker 3>An amazing grandmother and my aunt, and I actually dedicate

1:07:57.080 --> 1:07:59.320
<v Speaker 3>the book to both these women because I wouldn't be

1:07:59.320 --> 1:08:01.440
<v Speaker 3>who I am without them, So I have other family

1:08:01.480 --> 1:08:03.760
<v Speaker 3>that I can lean on for support. But yeah, I

1:08:03.800 --> 1:08:06.960
<v Speaker 3>mean the Evil Loungore endorsement that we talked about earlier.

1:08:07.080 --> 1:08:09.640
<v Speaker 3>That's something that my mom knows more than anybody. Now

1:08:09.640 --> 1:08:12.560
<v Speaker 3>I'm going to cry. My mom knows more than anybody

1:08:12.600 --> 1:08:15.920
<v Speaker 3>how much that means to me because we used to

1:08:15.960 --> 1:08:18.880
<v Speaker 3>watch Desperate Housewives together, and the fact that I can't

1:08:18.920 --> 1:08:23.000
<v Speaker 3>can I cuss here, the fact that I can't share

1:08:23.040 --> 1:08:25.760
<v Speaker 3>this one with her toxic as it hurts, you know,

1:08:25.880 --> 1:08:29.599
<v Speaker 3>But I'm learning to celebrate myself, so I'll show you

1:08:29.640 --> 1:08:32.599
<v Speaker 3>this ring if for anybody that's watching visually. I went

1:08:32.640 --> 1:08:35.000
<v Speaker 3>to Tiffany when I got the news, and I bought

1:08:35.000 --> 1:08:38.360
<v Speaker 3>myself a very expensive Tiffany ring and it's an everyday

1:08:38.400 --> 1:08:41.120
<v Speaker 3>piece of jewelry. So now I don't need my mom's validation.

1:08:41.240 --> 1:08:43.720
<v Speaker 3>I have my own validation that I treated myself to

1:08:44.120 --> 1:08:46.080
<v Speaker 3>as well as the launch party. You know, most people

1:08:46.080 --> 1:08:47.920
<v Speaker 3>don't make to spend on the launch party, but I said,

1:08:48.040 --> 1:08:50.040
<v Speaker 3>because of the challenges that I've been through in my

1:08:50.080 --> 1:08:52.880
<v Speaker 3>life and health, recent health issues that I've had, is

1:08:52.920 --> 1:08:55.160
<v Speaker 3>important for me to take the time to pause and

1:08:55.280 --> 1:08:57.560
<v Speaker 3>celebrate this big milestone. And it was one of the

1:08:57.600 --> 1:09:00.160
<v Speaker 3>happiest days of my life. It was last Monday, and

1:09:00.200 --> 1:09:02.439
<v Speaker 3>I had people fly in from like five different states.

1:09:02.479 --> 1:09:04.920
<v Speaker 3>There was about sixty people at a Mexican restaurant. It

1:09:05.000 --> 1:09:05.920
<v Speaker 3>was such a good time.

1:09:06.120 --> 1:09:08.759
<v Speaker 2>Yes, yeah, I told you half my life it's fomo

1:09:08.840 --> 1:09:09.479
<v Speaker 2>because I wish I.

1:09:09.439 --> 1:09:10.880
<v Speaker 3>Could be the gig.

1:09:10.960 --> 1:09:11.559
<v Speaker 1>Where do you live.

1:09:11.600 --> 1:09:14.160
<v Speaker 3>I'm in Chicago, Chicago based and Mandy, you were invited,

1:09:14.160 --> 1:09:15.240
<v Speaker 3>but I don't think you can make it, and I know

1:09:15.280 --> 1:09:16.600
<v Speaker 3>you had the babies and no.

1:09:16.920 --> 1:09:19.439
<v Speaker 2>I definitely was invited and I knew and I would

1:09:19.600 --> 1:09:21.200
<v Speaker 2>if I had said yes, I would have had to

1:09:21.200 --> 1:09:23.800
<v Speaker 2>disappoint you because my son, of course got sick.

1:09:23.920 --> 1:09:25.759
<v Speaker 3>But I know it's hard with the kiddos.

1:09:25.840 --> 1:09:28.240
<v Speaker 1>We next, I come to Chicago because myself listen to Deerfield,

1:09:28.360 --> 1:09:29.280
<v Speaker 1>so I go a few times.

1:09:29.400 --> 1:09:31.360
<v Speaker 3>Well, Tiffany, the reason I signed because I was already

1:09:31.360 --> 1:09:33.880
<v Speaker 3>a montee and your Patreon, but I was a month

1:09:33.920 --> 1:09:35.479
<v Speaker 3>to month and then when you started saying if you

1:09:35.479 --> 1:09:37.920
<v Speaker 3>sign up for the annual, you'll get first DIBs for

1:09:38.120 --> 1:09:40.240
<v Speaker 3>when I come to your city, I like immediately signed

1:09:40.280 --> 1:09:41.920
<v Speaker 3>up for the annual membership. So I'm waiting for you

1:09:41.920 --> 1:09:43.960
<v Speaker 3>to come to Chicago to meet your life.

1:09:44.280 --> 1:09:46.840
<v Speaker 1>Come back. I'm gonna definitely for sure, because like I said,

1:09:46.880 --> 1:09:48.720
<v Speaker 1>i'd go visit her a few times a year, So

1:09:49.080 --> 1:09:50.720
<v Speaker 1>next time I come, yeah, we're gonna have because we

1:09:50.760 --> 1:09:52.120
<v Speaker 1>have such a good time.

1:09:52.200 --> 1:09:54.639
<v Speaker 3>Yeah, I can't wait to meet everybody. I'll like minded

1:09:54.680 --> 1:09:56.280
<v Speaker 3>women and to meet you that'd be amazing.

1:09:56.760 --> 1:09:59.719
<v Speaker 1>Yes, Well, thank you for coming gig. Is there anything

1:09:59.800 --> 1:10:02.040
<v Speaker 1>like where can people buy the book? Where can they

1:10:02.320 --> 1:10:03.160
<v Speaker 1>connect with you?

1:10:03.400 --> 1:10:03.639
<v Speaker 2>Yeah?

1:10:03.680 --> 1:10:05.840
<v Speaker 3>You're so sweet and thank you again for having me on.

1:10:06.600 --> 1:10:10.920
<v Speaker 3>The book is available on all major online retailers Amazon, Barnes,

1:10:10.920 --> 1:10:15.120
<v Speaker 3>and Noble Bookshop dot org, which supports independent bookstores. You

1:10:15.160 --> 1:10:18.400
<v Speaker 3>can also request a book from the library to access

1:10:18.400 --> 1:10:22.240
<v Speaker 3>it for free, or from your local bookstore to support

1:10:22.280 --> 1:10:25.360
<v Speaker 3>a small business owner. It is available to order through

1:10:25.439 --> 1:10:27.680
<v Speaker 3>what's called ingram sparks. You don't have to memorize. I

1:10:27.800 --> 1:10:30.360
<v Speaker 3>just say, hey, I want this book, can you stock it?

1:10:30.760 --> 1:10:32.880
<v Speaker 3>Give them the IPN number, the name of the book,

1:10:33.280 --> 1:10:35.880
<v Speaker 3>and cash to learn more about the book and where

1:10:35.920 --> 1:10:39.000
<v Speaker 3>to buy. These are all linked on my page cash

1:10:39.080 --> 1:10:42.080
<v Speaker 3>dot com. And again that's Tiffany. You taught me that.

1:10:43.680 --> 1:10:45.080
<v Speaker 1>What's that website looking like?

1:10:45.280 --> 1:10:48.360
<v Speaker 3>Yeah, you don't tell me because you're not a gatekeeper.

1:10:48.400 --> 1:10:50.599
<v Speaker 3>So you said, don't send people to Amazon, create your

1:10:50.600 --> 1:10:53.160
<v Speaker 3>own website where you control. Yeah, So if you go

1:10:53.240 --> 1:10:55.320
<v Speaker 3>to duran cash dot com you will see all those

1:10:55.360 --> 1:10:58.559
<v Speaker 3>online retailers linked, as well as some fun freebies and

1:10:58.600 --> 1:11:01.760
<v Speaker 3>the blurb from Eva and all these other wonderful women,

1:11:01.800 --> 1:11:04.800
<v Speaker 3>including Mandy who let me cloud chase off them so

1:11:04.840 --> 1:11:06.799
<v Speaker 3>that I could get my book out into this community.

1:11:08.040 --> 1:11:09.559
<v Speaker 1>And we're going to put it in the description, like

1:11:09.560 --> 1:11:11.160
<v Speaker 1>the link in the description We're going to give you

1:11:11.960 --> 1:11:14.320
<v Speaker 1>for Forkutu and cash. Well, we'll put that link and

1:11:14.320 --> 1:11:16.320
<v Speaker 1>then where can they find you. They're like.

1:11:18.200 --> 1:11:20.040
<v Speaker 3>So sweet and actually I forgot to mention also about

1:11:20.120 --> 1:11:23.640
<v Speaker 3>the kudur and cash dot com website. There's also a

1:11:23.720 --> 1:11:27.240
<v Speaker 3>freebie which is access to the first the introduction chapter,

1:11:27.320 --> 1:11:30.360
<v Speaker 3>the full introduction chapter of the book in pedia format

1:11:30.520 --> 1:11:32.640
<v Speaker 3>and in audio format. So that way, if you're kind

1:11:32.640 --> 1:11:34.120
<v Speaker 3>of like I'm still on the fence about the book,

1:11:34.160 --> 1:11:37.680
<v Speaker 3>that's completely free. You can accessit there and by visiting you.

1:11:37.640 --> 1:11:39.800
<v Speaker 2>Read your book. What did you read the audio book?

1:11:40.240 --> 1:11:41.800
<v Speaker 3>Not yet. I'm going to read it in May. And

1:11:41.840 --> 1:11:43.080
<v Speaker 3>I'm terrified.

1:11:43.040 --> 1:11:45.360
<v Speaker 2>Because wait, you're going to record it, okay, because I'm like,

1:11:45.360 --> 1:11:46.760
<v Speaker 2>I want to listen to you read the book to.

1:11:46.800 --> 1:11:50.360
<v Speaker 3>Me, I know, tell me her story. Yeah, they wanted

1:11:50.360 --> 1:11:52.200
<v Speaker 3>me to record in November, but I talked to a

1:11:52.280 --> 1:11:54.120
<v Speaker 3>voice coach and she said, you're not ready. You have

1:11:54.200 --> 1:11:55.960
<v Speaker 3>to wait. You have to do some lessons because it's

1:11:56.000 --> 1:11:58.479
<v Speaker 3>a skill, and I understand that. I didn't want to

1:11:58.479 --> 1:12:00.240
<v Speaker 3>make it cringey for people to listen to. I'm like,

1:12:00.320 --> 1:12:02.360
<v Speaker 3>let me take my time, take my voice lessons, and

1:12:02.400 --> 1:12:04.000
<v Speaker 3>I'll do it in May and it'll be out in

1:12:04.040 --> 1:12:06.240
<v Speaker 3>September of twenty twenty four, so that's coming. It'll be

1:12:06.320 --> 1:12:07.920
<v Speaker 3>a while, but it'll come.

1:12:08.800 --> 1:12:09.000
<v Speaker 1>Yeah.

1:12:09.040 --> 1:12:11.160
<v Speaker 3>And if you go to the first Gator dot com,

1:12:11.160 --> 1:12:13.720
<v Speaker 3>which is also work with and cash Lives, you will

1:12:13.720 --> 1:12:16.360
<v Speaker 3>see all my socials. I'm very active on TikTok, Instagram

1:12:16.400 --> 1:12:16.880
<v Speaker 3>and LinkedIn.

1:12:18.160 --> 1:12:21.080
<v Speaker 1>Okay, you're so, you're the first gen mentor on TikTok, and.

1:12:22.040 --> 1:12:26.080
<v Speaker 3>On TikTok is the first gen mentor on Instagram. Somebody

1:12:26.080 --> 1:12:28.200
<v Speaker 3>had already taken it and they're not using it. They're

1:12:28.240 --> 1:12:30.320
<v Speaker 3>not doing anything with it. So it's gig the first

1:12:30.400 --> 1:12:33.479
<v Speaker 3>jad mentor Yeah on Instagram gg the first sad mentor.

1:12:33.560 --> 1:12:35.160
<v Speaker 1>Yeah it is. It is so me and me and

1:12:35.160 --> 1:12:37.120
<v Speaker 1>Mandy and we're like, we're the BA podcast brought a

1:12:37.200 --> 1:12:38.679
<v Speaker 1>busy here, but we were so paid.

1:12:38.680 --> 1:12:45.240
<v Speaker 2>They're not doing what they do still to this day.

1:12:45.840 --> 1:12:48.519
<v Speaker 2>That's why on TikTok, I'm many money with free.

1:12:50.960 --> 1:12:52.320
<v Speaker 3>Oh my god, that's so much fun.

1:12:53.280 --> 1:12:54.439
<v Speaker 1>Maybe myself made you know how?

1:12:54.680 --> 1:12:57.519
<v Speaker 2>Such a joy, Gigi. I can't wait to talk to

1:12:57.560 --> 1:13:00.120
<v Speaker 2>you again and just catch up and.

1:12:59.560 --> 1:13:02.759
<v Speaker 3>Hopefully thank come this year or sooner.

1:13:02.760 --> 1:13:03.759
<v Speaker 1>Okay, who knows.

1:13:04.200 --> 1:13:05.240
<v Speaker 3>Yeah, where do you live again?

1:13:05.320 --> 1:13:07.680
<v Speaker 2>I can't I can't plan anything. That's what I'm saying. Oh,

1:13:07.720 --> 1:13:10.280
<v Speaker 2>I know, I live in New York. Oh, New York

1:13:10.360 --> 1:13:14.120
<v Speaker 2>City and Tips and Jersey Girl, I will be adjacent.

1:13:14.200 --> 1:13:16.160
<v Speaker 3>Okay, I will be in New York City the first

1:13:16.160 --> 1:13:18.559
<v Speaker 3>week of April, so I would love to reach out.

1:13:18.960 --> 1:13:22.160
<v Speaker 2>Yeah, you got my number? Please?

1:13:24.000 --> 1:13:26.160
<v Speaker 3>All right, thank you, thank you for having me on